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We call it "Science And Religion" this conversation or, at times, contest. I think the two terms are loaded and imprecise. I hear people say that science can't explain everything. I don't disagree, but I am not sure what they mean by saying that. I don't know if the terms are science and religion so much as knowledge and meaning.
The broader meaning of science is public knowledge. What can we know about the universe and how do we know it and how do we communicate with each other about it? This public knowledge is available to anyone who can develop the skills and learn how to use the tools. An assertion to be valid must be able to be proved wrong. This knowledge builds and corrects itself.
Religion, or its new cousin, spirituality, traditionally has been based on special revelation or private revelation. You go to the cave and a supernatural being gives you the meaning of the world. You take it on faith. For those of us who didn't get called to the cave, we are required to trust the messenger. The Bible, Qur'an, or a contemporary spiritualist provides answers that are not able to be disproved.
I find this understanding of religion to be problematic. It does nothing to advance public knowledge or meaning. It is simply a matter of power. If you cannot make a reasonable argument that can withstand the critique of public knowledge, then attempt to speak for God and require that people trust you. Thankfully, this notion of religion (and "spirituality") is being exposed for its fraudulent claims.
Religion is no longer legitimate as a depository for special revelation. If it has anything to say about the natural world and its meaning for us, then we can use public knowledge to test its claims. If it tries to protect its claims from a public test, then it has no legitimacy.
When someone says to me that science cannot explain everything, I ask what the alternative might be. Outside of public knowledge, what can be explained and how is it done? If the answer is some version of "the gods told me" I call it either delusion, wishful thinking, or abuse of power. I trust no one whose claims cannot be tested.
I think it is time to do away with any claim to special revelation. This goes for our texts and creeds. They are products of a time that relied on special revelation to answer life's questions. This method has proven to be inadequate to describe the universe. Instead I advocate that religion fully embrace the principles of public knowledge and devote itself to making life meaningful in a public way.
What can religion be and what is its role? I think the task of religion is to further the possibility of survival of the human species and to preserve our ecosystem for future generations. It is time to embrace the story of the universe that we are learning via public knowledge and work within that story to inspire a meaningful present and future for human beings.
Some may argue that for them, religion and/or spirituality is about escaping this universe. They may suggest that their identity is outside of it and the purpose of life is to transcend their earthly existence via immortal souls and what have you. I have no argument. What argument can possibly be given? This is private revelation and folks are welcome to it. I have no interest in it and find no value in it for our public life (except that I think it is in our public interest to respect the freedom of private belief).
I think religion has so much more to offer than private or special revelation or speculation about matters that cannot be disproved. We are in a unique and perilous position. Humans have stretched Earth's limits to their breaking point. We are not living sustainably. Human beings may become extinct. Earth will spin for 100s of millions of years whether humans are on board or not.
The amazing thing is that the universe has evolved consciousness. We are it. We are literally the universe's eyes, ears, and thoughts. That is valuable. Far more valuable than we may realize. It is worth preserving. We have a great work at hand and that is to survive. We need the best of ourselves. We need to tell the story of the universe that we are learning through public knowledge and we need to work together to find meaningful images and metaphors that will inspire us to do this courageous work. That, to me, is religion.
What would it take, and mean, for Earth's citizens to become a cosmic society, a society capable of thinking in, and acting for, the extremely long term? The possibility of becoming a cosmic society may seem abstract, even pie-in-the-sky silly right now -- but in fact, it may only be possible now. There may be freedoms and resources available today that in a generation or two will disappear unless changes occur. How can we seize this opportunity? How can we help the world's people to recognize that the new cosmos is everyone's home, its origin story is everyone's story, and that sharing the unique place of intelligent life in this universe is a bond that unites us all?
Our goal in this book and this website is to inspire readers to imagine what a cosmic society that accepts and lives by the new cosmological concepts could become, and to start becoming it. We believe this may be humanity's best chance for a very long and successful future. And our best chance for infusing today with the hope and optimism necessary to get there.


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NEW PROVIDENCE, NJ - The NJ Sharing Network awarded four New Jersey high school students scholarships this year at a recent reception held at their headquarters in their garden in New Providence.
Emma Rothman of Cranford and Varsha Garla of Marlboro received the Betsy Niles Scholarship. Max Prince of North Caldwell and Alex Sirubi of Allendale, received the Missy's Miracle Scholarship.
Dan Sarnowski, Ms. Niles' partner, presented the Betsy Niles Scholarship which is named after the children's book editor whose donation of two kidneys on March 31, 2011, saved two lives. Missy Schwartz Rodriguez presented the Missy's Miracle Scholarship which she established to celebrate the 30th anniversary of her liver transplant. Each scholarship is for $5,000, ($2,500 per semester).
Sarnowski said "there could have been thirty-seven recipients," because each of the applicants had outstanding academic records. What set these four applicants apart was and continues to be their relentless effort to spread the word about organ donation. It's something they know well. Organ donations have figured prominently in the four awardees' lives and each sought to share their story to help educate the public on the importance of organ donations.
Emma Rothman was 12 when she found out she needed a heart transplant or "plant" as she called it then. She had suffered sudden heart failure due to hypertrophic cardiomyopathy. She didn't fully understand what was happening to her, but knew that after the surgery her life would never be the same. During Rothman's 15-day recovery at the hospital, she learned more about her diagnosis and the dire outcome if she had not received a new heart.
During her recovery, Rothman noticed the amazing support system that was readily available for her and her family and was inspired. Less than five weeks later, Rothman participated in the NJ Sharing Network's first annual 5K to honor her personal donor and has worked with them ever since.
She and her family also established the non-profit group Hearts for Emma which first offered families in the hospital a "meal plan," so they could go out to eat. That was just the beginning, Sarnowski said. Now there is Emma's closet, which provides a variety of toiletries for families in the hospital. Rothman also wrote, produced, and appeared in a video, "You Have The Power," where she explains the importance of organ and tissue donation.
Varsha Garla's inspiration came from the second chance her father received after learning there was a match for him and he would receive a new kidney. Before the surgery, Garla's father struggled to complete the most basic tasks. She said she was ecstatic that her father would now be able to watch her dance performances. She was also sad when she learned that her father's new kidney came from a teenage girl who lost her life in a car accident.
During her freshman year, Garla decided she would dedicate herself to raising awareness about organ transplants and became a certified volunteer. During her volunteer training, she learned one organ donor could help save eight lives and that the number of people on the transplant list is growing, with one person being added every 10 minutes.
Garla's experience led her to speak at various events, write articles for the website "Curious Science Writers," and, ultimately, to decide to become a doctor.
Max Prince was overjoyed at the thought of being a big brother to Sam, but his joy turned to worry when his family found out that Sam needed a new heart. This was devastating news to Prince and his family, especially since it required Sam to be isolated because of a weak immune system. After what seemed to be an endless wait, the Prince family received a phone call that a match was found and Sam received a new heart.
During Max's Bar Mitzvah, not long after Sam's heart transplant, Max decided he would create a team for NJ Sharing Network to help raise awareness and funds for the organization. During the last five years "Max's Mitzvah Movers" has acquired hundreds of new team members and raised thousands of dollars for the organization.
Alexa Sirubi has a different story. Her father died after a heart attack four years ago, and the Sirubi family decided to say "yes" to organ and tissue donation. During the NJ Sharing Network's Donors Remembrance Service, Alexa realized how the NJ Sharing Network "could turn pain into purpose," as stated in her essay. She began her involvement in organ donation outreach in April 2015 by creating a team for the NJ Sharing Network 5K Race.
Sirubi said she felt that although high school students were provided with information about being organ donors more could be done, so she created a video that features experts in the field, organ donors and recipients. Sirubi's video, has over 1,000 views on YouTube and was shown to her entire student body.
Sirubi said she will continue to spread awareness, her 2016 team raised thousands of dollars and her video will continue to be presented at her school, leaving a lasting legacy for her father.
NJ Sharing Network is located at 691 Central Avenue, New Providence, it can be reached at (908) 516-5400 or via email at

subset: commoncrawl


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Written in a clear, engaging style with a straightforward chronological organization, The American Journey introduces readers to the key features of American political, social, and economic history. This new edition focuses more closely on the theme of the American journey, showing that our attempt to live up to and with our ideals is an ongoing process that has become ever more inclusive of different groups and ideas. Covering the 1600s to the Civil War, prominent coverage is given to the West and the South, and the book highlights the importance of religion in American history. Hundreds of maps, graphs, and illustrations help readers absorb history and bring it to life. For those interested in a comprehensive study of U.S. history to the Civil War given in a flowing, lively narrative.
"synopsis" may belong to another edition of this title.
David Goldfield received his Ph.D. in history from the University of Maryland. Since 1982 he has been Robert Lee Bailey Professor of History at the University of North Carolina in Charlotte. He is the author or editor of thirteen books on various aspects of southern and urban history. Two of his works—Cotton Fields and Skyscrapers: Southern City and Region, 1607-1980 (1982) and Black, White, and Southern: Race Relations and Southern Culture, 1940 to the Present (1990)—received the Mayflower Award for non-fiction and were nominated for the Pulitzer Prize in history. His most recent book is Still Fighting the Civil War: The American South and Southern History (2002). When he is not writing history, Goldfield applies his historical craft to history museum exhibits, voting rights cases, and local planning and policy issues.
Carl Abbott is a professor of Urban Studies and planning at Portland State University. He taught previously in the history departments at the University of Denver and Old Dominion University, and held visiting appointments at Mesa College in Colorado and George Washington University. He holds degrees in history from Swarthmore College and the University of Chicago. He specializes in the history of cities and the American West and serves as co-editor of the Pacific Historical Review. His books include The New Urban America: Growth and Politics in Sunbelt Cities (1981, 1987), The Metropolitan Frontier: Cities in the Modern American West (1993), Planning a New West: The Columbia River Gorge National Scenic Area (1997), and Political Terrain: Washington, D. C. from Tidewater Town to Global Metropolis (1999). He is currently working on a comprehensive history of the role of urbanization and urban culture in the history of western North America.
Virginia DeJohn Anderson is Associate Professor of History at the University of Colorado at Boulder. She received her B.A. from the University of Connecticut. As the recipient of a Marshall Scholarship, she earned an M.A. degree at the University of East Anglia in Norwich, England. Returning to the United States, she received her A.M. and Ph.D. degrees from Harvard University. She is the author of New England's Generation: The Great Migration and the Formation of Society and Culture in the Seventeenth Century (1991) and several articles on colonial history, which have appeared in such journals as the William and Mary Quarterly and the New England Quarterly. She is currently finishing a book entitled Creatures of Empire: People and Animals in Early America.
Jo Ann E. Argersinger received her Ph.D. from George Washington University and is Professor of History at Southern Illinois University. A recipient of fellowships from the Rockefeller Foundation and the National Endowment for the Humanities, she is a historian of social, labor, and business policy. Her publications include Toward a New Deal in Baltimore: People and Government in the Great Depression (1988) and Making the Amalgamated: Gender, Ethnicity, and Class in the Baltimore Clothing Industry (1999).
Peter H. Argersinger received his Ph.D. from the University of Wisconsin and is Professor of History at Southern Illinois University. He has won several fellowships as well as the Binkley-Stephenson Award from the Organization of American Historians. Among his books on American political and rural history are Populism and Politics (1974), Structure, Process, and Party (1992), and The Limits of Agrarian Radicalism (1995). His current research focuses on the political crisis of the 1890s.
William L. Barney is Professor of History at the University of North Carolina at Chapel Hill. A native of Pennsylvania, he received his B.A. from Cornell University and his M.A. and Ph.D. from Columbia University. He has published extensively on nineteenth century U.S. history and has a particular interest in the Old South and the coming of the Civil War. Among his publications are The Road to Secession (1972), The Secessionist Impulse (1974), Flawed Victory (1975), The Passage of the Republic (1987), and Battleground for the Union (1989). He is currently finishing an edited collection of essays on nineteenth-century America and a book on the Civil War. Most recently, he has edited A Companion to 19th-Century America (2001) and finished The Civil War and Reconstruction: A Student Companion (2001).
Robert M. Weir is Distinguished Professor of History Emeritus at the University of South Carolina. He received his B.A. from Pennsylvania State University and his Ph.D. from Case Western Reserve University. He has taught at the University of Houston and, as a visiting professor, at the University of Southampton in the United Kingdom. His articles have won prizes from the Southeastern Society for the Study of the Eighteenth Century and the William and Mary Quarterly. Among his publications are Colonial South Carolina: A History, "The Last of American Freemen": Studies in the Political Culture of the Colonial and Revolutionary South, and, most recently, a chapter on the Carolinas in the new Oxford History of the British Empire (1998).Excerpt. © Reprinted by permission. All rights reserved.:
The path that led us to The American Journey began in the classroom with our students. Our goal is to make American history accessible to students. The key to that goal—the core of the book—is a strong clear narrative. American history is a compelling story and we seek to tell it in an engaging, forthright way. But we also provide students with an abundance of tools to help them absorb that story and put it in context. We introduce them to the concerns of the participants in America's history with primary source documents. The voices of contemporaries open each chapter, describing their own personal journeys toward fulfilling their dreams, hopes, and ambitions as part of the broader American journey. These voices provide a personal window on our nation's history, and the themes they express resonate throughout the narrative.
But if we wrote this book to appeal to our students, we also wrote it to engage their minds. We wanted to avoid academic trendiness, particularly the restricting categories that have divided the discipline of history over the last twenty years or so. We believe that the distinctions involved in the debates about multiculturalism and identity, between social and political history, between the history of the common people and the history of the elite, are unnecessarily confusing.
What we seek is integration—to combine political and social history, to fit the experience of particular groups into the broader perspective of the American past, to give voice to minor and major players alike because of their role in the story we have to tell.
In telling our story, we had some definite ideas about what we might include and emphasize that other texts do not—information we felt that the current and next generations of students will need to know about our past to function best in a new society.
CHRONOLOGICAL ORGANIZATION. A strong chronological backbone supports the book. We have found that the jumping back and forth in time characteristic of some American history textbooks confuses students. They abhor dates but need to know the sequence of events in history. A chronological presentation is the best way to be sure they do.
GEOGRAPHICAL LITERACY. We also want students to be geographically literate. We expect them not only to know what happened in American history, bur where it happened as well. Physical locations and spatial relationships were often important in shaping historical events. The abundant maps in The American Journey—all numbered and called out in the text—are an integral part of our story.
REGIONAL BALANCE. The American Journey presents balanced coverage of all regions of the country. In keeping with this balance, the South and the West receive more coverage in this text than in comparable books.
POINT OF VIEW. The American Journey presents a balanced overview of the American past. But "balanced" does not mean bland. We do not shy away from definite positions on controversial issues, such as the nature of early contacts between Native Americans and Europeans, why the political crisis of the 1850s ended in a bloody Civil War, and how Populism and its followers fit into the American political spectrum. If students and instructors disagree, that's great; discussion and dissent are important catalysts for understanding and learning.
RELIGION. Nor do we shy away from some topics that play relatively minor roles in other texts, like religion. Historians are often uncomfortable writing about religion and tend to slight its influence. This text stresses the importance of religion in American society both as a source of strength and a reflection of some its more troubling aspects.
Historians mostly write for each other. That's too bad. We need to reach out and expand our audience. An American history text is a good place to start. Our students are not only our future historians, but more important, our future. Let their American journey begin.
The American Journey includes an array of features designed to make American history accessible to students. It provides more learning tools than any other U.S. history text.
Taken together, these organizational changes make The American Journey an even more effective textbook for both students and instructors.
In the Third Edition of The American Journey, coverage of women, minorities, and Native Americans has been expanded. The active role of Native Americans in shaping the encounters with European settlers has been emphasized. Coverage of the institution of slavery and the Holocaust has also been expanded. Additional coverage of foreign policy during the 1980s and 1990s will help students understand the dilemmas our nation faces in the post-September 11th world. The following list highlights some of these additions:
"About this title" may belong to another edition of this title.
Within U.S.A.
Book Description Upper Saddle River : Pearson Education, 2004. Condition: New. book. Seller Inventory # M0131825526
Book Description Upper Saddle River : Pearson Education, 2004. Paperback. Condition: New. 3. Seller Inventory # DADAX0131825526
Book Description Prentice-Hall, Upper Saddle River, NJ, 2004. Softcover. Condition: New. Vol. 1, 3rd Edition. New, never used. Includes CD-ROM. Quantity Available: 1. Category: History; ISBN: 0131825526. ISBN/EAN: 9780131825529. Pictures of this item not already displayed here available upon request. Inventory No: 1560782452. Seller Inventory # 1560782452
Book Description Condition: New. New. Seller Inventory # STRM-0131825526
Book Description Upper Saddle River : Pearson Education, 2004. Paperback. Condition: New. 3. Ships with Tracking Number! INTERNATIONAL WORLDWIDE Shipping available. Buy with confidence, excellent customer service!. Seller Inventory # 0131825526n


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Queen Size 5 inch Thick, Medium Firm Conventional Polyurethane Foam MattressPad, Bed Topper Made in the USA
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Medium firm polyurethane foam's ability to reduce firmness at an affordable price is one of the reasons so many people are using it to get the best night's sleep. Now you can enjoy the benefits of a softer sleep surface without having to buy a new mattress by adding this medium firm polyurethane foam mattress topper to your existing spring, latex, or even memory foam mattress. This topper will add comfort, increase the comfort and your quality of sleep from your mattress immediately. The medium firm conventional polyurethane foam used in this topper is specifically designed to enhance the feel of your current mattress, and also provides additional comfort in areas where your mattress may be too firm. The open cell urethane foam is also specially formulated to help support the contours of your body, and will give you the extra comfort you need to get the best night's sleep possible from your current mattress. Environmentally friendly processes are used to make our foam. This makes our toppers more "green" and eco-friendly, by the use of earth friendly processes. Our toppers have also earned the PURGreen certification, which means they are safe and free from harmful chemicals. PURGreen uses independent laboratories to test products and ensure they are manufactured without use of prohibited content such as ozone-depleting CFCs, PBDE fire retardants, lead, mercury and other unsafe materials. PURGreen also sets baseline requirements for foam physical performance that can contribute to foam comfort and durability.***There may be a new foam smell associated with your new topper; however, this odor is not toxic or harmful passing all EPA and CSPC standards. MADE IN THE USA
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Michal Zahornacky
Michal Zahornacky
Považská Bystrica, Slovakia, Slovakia
About Michal Zahornacky
Michal Zahornacky is professional fine art photographer from Slovakia. He bought his first camera in 2011 and since 2014 he is active on professional level. He is a self-taught. Besides his art photography you can also find a selection of wedding photographs in his portfolio. The main part in his photography plays the human. Mainly he focuses on portraits. His photographs are specific for unique emotions and atmosphere. He brings thought and moods to his photographs which he always shows in unclear imagination so the viewer must think about the message of the photography. His most famous projects are Dream series and Poems series, which were published in many magazines and prized in Slovakia as well as abroad. At the moment he is working on his Poems series, which combines art with art. Each photograph has its own little story shown through a metaphor. The photographs in this series are completed by a unique poem written by Slovak poets. By viewing Michal's photographs you find yourself thinking about the realness of the photography and about the postprocess. Most of the photographs are prepared on scene – not photoshoped.
2018 International Photo Expo, Ethereal, Paris, France
2018 Collective Exhibition APFSR, Tatranská galéria v Poprade, Slovakia
2017 Shanghai International Photographic Art Exhibition, Shanghai, China
2017 SOLO Exhibition, Poems Project, Kino Mier Považská Bystrica, Slovakia
2017 SOLO exhibition, Považská Knižnica, Slovakia
2016 11th Yixian Photo Festival, Yixian, China
2016 SOLO Exhibition, PRO.laika Gallery, Bratislava, Slovakia
2016 APFSR, Presov, Slovakia
2016 Collective Exhibition, TSK, Trenčín, Slovakia
2015 Cooltajner, Povazska Bystrica, Slovakia
2014 Dream Wernisaż Energicznej Powarsztatowej, Bełchatow, Poland
2014 Dream Project, Povazska Bystrica, Slovakia
2013 4 Pohľady/4 Views, Povazska Bystrica, Slovakia


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Come to our Professional Education Webinar!
This 2 and a half hour webinar includes:
- Competency 1 - Instructional Design and Planning
- Competency 2 - Student-centered Learning Environments
- Competency 3 - Instructional Delivery and Facilitation
- Competency 4 - Assessment Strategies
- Competency 5 - Continuous Professional Development
- Competency 6 - Code of Ethics/Professional Conduct
- Competency 7 - Research-based Practices for English Language Learners (ELLs)
- Competency 8 - Effective Literacy Strategies Applied Across the Curriculum
- Practice questions and explanations.
Learn how to navigate the scenarios used on the test. Understand how key words in the question stem can lead you to the correct answer. This webinar covers everything.
Also available to webinar participants is a $20 digital download of our book (available on Amazon for $35.99).
For more info call 239-207-5755 or email email@example.com
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PERTH - Advanced Studio & Fashion Workshop
Peter Coulson
Sunday, 13 March 2016 from 10:00 am to 5:30 pm (AWST)
Event Details
Become immersed in Peter Coulson's knowledge, creativity, and his incredibly fascinating photographic World.
Peter will be teaching you how to perfect Advanced lighting setups that still keep your photography simple, easy, clean and beautiful! This workshop also covers Peter's photoshoot workflow, covering the start to end of a high-end photoshoot.
This workshop is an intensive hands-on day of learning, perfecting and shooting Beauty and Fashion. Perfect for photographers that are wanting to expand their knowledge on studio photography, from hobbiest photographers with basic knowledge of studio photography to seasonal professionals.
Peter is one of the only photographic educators teaching you how to create better photos without the expense of an high-end model, fancy lighting set-ups, stylists, makeup artists and fancy locations. Your photography and creativity is limitless, and the skills you will learn can enable this for the rest of your career.
If you book all 4 workshops, you will save $175.00 plus have the option to pay a deposit to secure your place.
Course Content:
- High & Low Key Lighting
- Using Accent Lighting
- Advanced Lighting
- Multi Lighing
- Beauty & Fashion Lighting
- Digital Work-flow
- Posing & Communicating with Models
- Planning Story Boards & Styling
- Creating your own Photographic style
- Getting it right in Camera
Location: Studio Northbridge
Time: 10.00am - 5.30pm
Places: There is a strict limit of 12 students for this workshop
What to bring:
- DSLR Camera
- Spare Memory Cards
- Spare Battery
- Camera manuals
- Most of Peter's work is shot around 85 mm but he does use lenses as wide as 16mm and telephoto as long as 200mm.
- Note pad & Pen
- Laptops are not necessary, but welcome for viewing images taken during workshop
Days Includes:
- Peter Coulson
- 2 professional models
- Lunch and refreshments
When & Where
Studio Northbridge
2/1 Fitzgerald St
Sunday, 13 March 2016 from 10:00 am to 5:30 pm (AWST)
Add to my calendar
Peter Coulson
I specialize in beauty, fashion and fetish Photography, as well as Photography education. Mixing a range of styles and fusing the latest fashion trends with my personal conceptual reflections. My images are strong, sensual and mysteriously elegant with a twist of my screwed up sense of humour.


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This study on "Impact of the Nigerian Capital market in Financing Small and Medium Scale Enterprises (SMEs) in Nigeria" is intended to identify and consequently analyze the financial incentives available to SMEs in the Nigerian capital market. It provides solution to the financial gap existing between large enterprises and small and medium scale enterprises in terms of availability of financial resources referred to as the missing middle. The methodology adopted in conducting the research was a survey design. The independent variable of the study was the Nigerian capital market while the dependent variable was small and medium scale enterprises. A disproportionate stratified random sampling technique was adopted to select a representative sample SMEs. Questionnaire was used as instrument for data collection. The questionnaire was developed on a four-likert scale ranging from one to four (i.e. from strongly disagree to strongly agree) while, the hypothesis developed was tested using Chi-square (X2). Tables and percentage was adopted to analyze the hypotheses of the study. Base on the findings, it was concluded that SMEs always see the Nigerian Capital Market as a good source of capital for them since equity financing is always cheaper for long-term financing. Yet, many SMEs still entertain some fears in approaching the Nigeria capital market such as: the fear of losing their total control over their companies, and the fear of sharing their profit with other investors as well as hostile takeover of their companies by other investors. The study recommended that the cost of borrowing should be reviewed in order to encourage more enterprises to come into the market so as to expand and deepen the market. The Nigerian stock market needed to be built up with mass participation of SMEs to attain a meaningful sustainable growth and development. There are also needs to formulate investment friendly regulations; keep low inflationary rate; provide favorable government policies and provide stable macroeconomic framework for the sustainability of informal and SMEs sector in the developing countries.
1.1 Background to the Study
Production of goods and services in the most efficient manner has continued to be the only viable and reliable option for growth, development, and survival of world economies. Despite the importance of production, it is impossible for a sustained high productive level to be attained without a well-developed industrial sector. Industries normally operate either on a large or small scale both in the public and private sector. In Nigeria, the private sector enterprises cover a wide range of different types of industries as distinguished by various criteria such as size, sector, ownership structure, employment and technology.
The small-scale industries cover the entire range of economic activity sectors and are very heterogeneous groups (Hallberg, 2011) They include a wide variety of firms – village handicraft, restaurants, bakeries, poultry farming, hair dressing, barbers shops just to mention a few. The Small and Medium Enterprises Development Agency of Nigeria (SMEDAN), (2011) classify industries into small and medium scale enterprises (SMEs).
The significance of small and medium scale enterprises to growth, productivity and competitiveness of the economies of developing countries is universally recognized. Small and medium scale enterprises are generally acknowledged in (Kasekende& Opondo, 2003) as the bedrock of the industrial development of world economies. They are more innovative than larger firms are. Small and medium scale enterprises usually provide training grounds for entrepreneurs even as they generally rely more on the use of local materials. SMEs development can play a key role in entrepreneurs' development through their contributions to economic advancement and social empowerment.
In Oteh (2011), the Global Entrepreneurship Monitor 2009, a research program aimed at assessing the national level of entrepreneurial activity in selected countries, conducted an entrepreneurship and economic growth study on 37 countries. According to the study, the economic growth of a country is directly correlated with its level of entrepreneurial activity. The study reveals that, there is a high correlation between economic growth and entrepreneurial activity in industrialized countries, hence to achieve Nigeria Vision 20:20 then greater attentions should be paid on very vibrant and robust enterprises. Entrepreneurs create new enterprises, new commercial activities and new sectors, which have a positive multiplier effect on the economy. Entrepreneurial activities are very crucial to fostering economic and social progress in the country. The development of SMEs in Nigeria is therefore an essential element in the growth strategy. Notwithstanding the widely acknowledged role of SMEs in fostering economic growth and development, SMEs have continued to face a variety of constraints (Adelaja, 2004) and majorly that of finance.
This is quite common in many African countries, including Nigeria, where access to finance was the second most important constraint to doing business after inadequate supply of infrastructure. This is because; the conditions for financing SMEs are more restrictive to those of large enterprises. This has also confirmed the fact that, inadequate finance is a serious challenge that must be tackled before there could be any meaningful progress in the SMEs sub-sector.
Small and medium scale enterprises in Nigeria suffer from lack of access to appropriate (term and cost) funds from both the money and capital markets. This is due in part to the perception of higher risk resulting in high mortality rate of the business, information asymmetry, poorly prepared project proposals, inadequate collateral, absence of, or unverified history of past credit(s) obtained and lack of adequate accounting records of the company's transaction. In some cases, there are virtual absence of capital market facilities and instruments that SMEs can access. (Bates, 2010) The capital market in Nigeria is still evolving while other conventional sources have no confidence in the credit worthiness of SMEs. Non-bank financial intermediaries such as micro credit institutions could play a greater role in lending to SMEs. Nevertheless, some of these institutions may not consider SMEs credit worthy. .
Small and medium scale enterprises therefore rely on their retained earnings, informal savings and loan associations, which are unpredictable and insecure with little scope for risk sharing as their major source of capital. Many African countries have to deal with this chasm between the role of micro credit institutions and that of larger financial institutions. This is the space where SMEs operate and is referred to in the African Commission's Report as the missing middle. (Oteh, 2011). Yet, the panacea for solving problems of economic growth in Nigeria often resides in adequate financing of small-scale industries. The missing middle or financial gap is a serious challenge in a fast-changing knowledge based economy because of the speed of innovation. Innovative SMEs with high growth potential, many in high- technology sectors, have played a pivotal role in raising productivity and maintaining competitiveness in recent years. Nonetheless, innovative product and services need investment to flourish, however great their potential might be. SMEs depend on capital accumulation, and capital accumulation requires investment and an equivalent amount of saving to match it. Two of the most important issues in developing countries, are how to stimulate investment, and how to bring about an increase in the level of saving to fund increased investment.
Most importantly, well functioning financial systems are heavily based on trust. An investor who deposits money in the bank or contacts his/her broker to buy stocks place his/her money and trust in the hands of the financial institution that provides her with advice and transaction services (Madura, 1996).
No wonder, Kneown (1996) stressed that, one reason why underdeveloped countries are underdeveloped is because, they lack a financial system that has the confidence of those who must use it. Particularly, the stock market crash of 2008 affected the Nigeria financial sector adversely. It generated a pessimistic outlook on the economy that led to a decline in the demand for loans and higher percentage of loan defaults, causing a consequent decline in the stock prices. Despite all these illicit practices in the financial sector, the Nigerian capital market is potentially the most viable source of capital for industries in Nigeria.
The primary focus of this research work emanates from the fact that, there exist a wide financial gap between the capacity of micro financial institutions and that of larger financial institutions. While large loans are available to a certain degree for large-scale industries, there is an evident lack of access to medium and small-scale finance for SMEs. In trying to bring a solution to this problem, the Central Bank stipulated that 20% of banks' credit should be granted as loan to Small Scale Enterprises. This was not adhered to because, most loans granted to small scale holders were not repaid and so the banks did not consider them as creditworthy. In the light of these, the research has explored the financial incentives available to small-scale enterprises especially in the Nigerian capital market in order to provide the financial information needed by entrepreneurs.
1.2 Statement of Problem
In Nigeria, most small and medium enterprise ownership is indigenous. In major countries small and medium enterprises contribute close to half of the net output of the private sector and a significant proportion of the Gross Domestic product (GDP). In Nigeria however, it is being postulated that there are no adequate records to show for such growth by the small and medium enterprises. Considering the socio-economic importance and advantages to the nation, which include provision of employment, consumer and producer goods, promotion of indigenous technology, raw materials utilization, entrepreneurial Spirit, rural and industrial development.
Unfortunately, small and medium scale enterprises have relatively limited access to loan capital. They depend highly on financial resources of their owners and sometimes from friends and relatives, and retained earnings from the business as it expands. Most times all these proved grossly inadequate for finance needed projects as small scale enterprises grows further, market funds become imperative. The statements of problem that shall be addressed by this work are essentially:
- What is the impact of the Capital Market in financing small and medium enterprises (SMEs)
- How well small and medium enterprises benefited from the activities of the capital market in Nigeria
- What is the relationship between capital market and other sources of finance for small and medium enterprise
Has the performance of small and medium enterprises impacted in the increase of Gross Domestic Product
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Guide To Get A Buyer For Your House
For those that are seeking buyers to buy their houses, this process may be tricky because there are some people that may pretend to procure only to fail you in repayment process. Therefore, you need to be careful and exercise restraint as you settle on a specific customer. It's worth taking your time and gets a reliable client. However, you may need to incorporate some tips so that you can spot and get a potentials buyer quickly. In this essay, there are some superlative factors you may need to follow for you to ease the process of selling your house to a precious client. Learn more at
First, the need to create awareness about your house for sale is pivotal. You must involve all the methods of promotion where you will relay the prime details that concern your house. They will be disseminated all over making your house known. This will attract more people that will, in turn, come to see and evaluate the house. With the rise of the internet and social media, one may use the blogs and websites for that matter. Use of print media and television also serves to reach out to many people. Additionally, there is need to check the price you have set for your house. Mostly many people are enticed and even go for those houses being disposed at a cheap price. They will view this as an act of concern the sellers has for them. They will also view it as a discounted price for the house. Consequently, the majority will want to own the house and then part with the cash
. view here
for more.
Another factor is on approaching the established and legally existing realtors that operate their offices locally. They are aimed and have a task of buying and selling houses. When they view information on your house for sale, they will definitely contact you for a talk. They will then send their experts that will determine the house price. After that, they will invite you to price negotiation where they will compare your set price with their valued price. The end result will be transactions where they will pay you instantly. There are also other real estate agents that deal with the sale of houses only. As they know you have a house for sale, they will take and sell it on your behalf. They have more connections to customers and will promptly deliver cash to you minus their commissions. For more info
, check it out!


text: Today's Daily Briefing View the Archives Print Today's Stories How the growth of Medicare Advantage may explain traditional Medicare's spending slowdown Insured patients typically receive similar care regardless of their source of coverage 10:15 AM - October 5, 2016 Email Save LinkedIn Twitter Facebook Finding the answers to the "two mysteries of Medicare"—why traditional Medicare spending growth is slowing and Medicare Advantage enrollment is growing—could be key to understanding the program's future costs and structure, Austin Frakt writes for the New York Times' "The Upshot." The two trends appear to be linked, Frakt writes, with the growth in MA enrollment leading to slower Medicare spending growth. Emory's ticket to value-based care: Medicare Advantage One possibility, for instance, is that the expansion of MA has increased MA plans' influence over how clinicians and hospitals provide care. Specifically, Frakt writes that doctors and hospitals may cut costs to increase their chances of being included in MA plan networks. Since providers tend to treat insured patients similarly regardless of their type of coverage, those cost-cutting efforts could be affecting traditional Medicare spending as well, Frakt says. A growing body of research backs this theory, known as the "spillover" effect. For example, a study examining a period from 1999 to 2009 found that a 10-percentage-point increase in MA market share correlated with a 4.5 percent drop in per-beneficiary traditional Medicare hospital costs, as well as a drop in the length of hospital stays. The research predated the Affordable Care Act (ACA), which has shifted the ways Medicare pays for care. Get our 22 strategies for improving margin management A study that spanned the ACA's passage also affirms the theory. The study found that a 10-percentage-point increase in MA market penetration correlated with a 7.3 percent reduction in the amount of time traditional Medicare beneficiaries spent in hospitals. The study also found that beneficiaries received care in less costly settings. Overall, per-beneficiary annual traditional Medicare costs fell by $252 for each 10-percentage-point increase in MA market share. Further, a study published last month, which included data through 2014, found that slower growth in traditional Medicare spending was associated with MA market penetration over 17.2 percent. The study concluded that the spillover accounted for 11 percent of a recent slowdown in traditional Medicare spending. According to "The Upshot," given the study's methodology, the spillover effect could actually be greater than the authors estimated. Policy implications The data suggest policymakers should consider encouraging MA enrollment, Frakt says. That could be done by paying insurers more to drive them to enter the market MA, but Frakt says that would be "controversial." Michael Chernew, a Harvard University health economist who has researched the topic, said, "There's almost continuous policy debate about how much we should pay [MA] plans." He added, "In addressing that, we should consider the full impact of [MA], not just impact on those who choose to enroll in the program." Frakt writes, "We still don't know exactly why Medicare Advantage is growing in popularity or why Medicare spending is slowing. But now we know that the two are related." He adds, "Medicare Advantage growth doesn't completely explain slower Medicare spending growth, but it is one piece of the puzzle" (Frakt, "The Upshot," New York Times, 10/3). Why a successful population health strategy must include Medicare Advantage Many providers have recognized the necessity of having a Medicare-based population health strategy. However, the shared savings program (MSSP) has not been particularly financially rewarding: only 1 in 4 ACOs earned a bonus in the program's first year. Discover four reasons why Medicare Advantage contracts are becoming an attractive alternative to MSSP for providers seeking a higher-risk, higher-reward opportunity, and more control over the contract elements. Get the research Topics Payment Transformation, Reimbursement, Finance, Medicare Advantage Expert Insight Is now the right time to expand Medicare Advantage? Next in the Daily Briefing First-time manager? Here's how to keep your cool. Read now You May Also Like Video From Medicare ACO to Medicare Advantage


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I am hoping to join or form a Dungeons and Dragons group. I am open to host or meet, I have one player already and I am open to DM or to play.
Forum:NearbyGamers General
Gamers posting in this discussion
If you can see this, you're blocking JavaScript. Or I broke the maps.
2014-08-28 18:35:20
I'm interested. I can also host or meet.
I have 2 players including myself new to the game able to meet


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WASHINGTON — Two weeks after efforts to expand unemployment benefits and cut taxes collapsed on Capitol Hill, Senate Majority Leader Tom Daschle (D-S.D.) proposed new business tax breaks Thursday in a bid to take the offensive on economic issues in an election year.
Under Daschle's plan, companies that hire more workers this year would be eligible for a "job creation tax credit." And businesses would be able to claim a larger tax break for certain equipment--a one-year bonus meant to encourage new investment.
Daschle laid out his plan in advance of a speech he plans to deliver today at a Washington think tank. It is intended to serve as a Democratic counterpoint to President Bush's State of the Union address later this month.
Daschle, a Democratic leader and a potential contender for his party's 2004 presidential nomination, will use the speech to step up his attacks on the Bush-backed $1.35-trillion tax cut enacted last spring.


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Columbia is a diverse town, where the schools teach children in about 60 foreign languages.
It's also a place that's bland as all get-out.
The planned community carved out of Howard County farmland 34 years ago drew people of a wide variety of races, religions and incomes. It welcomed interracial couples at a time when state statutes had just quit calling them outlaws. Then it wrapped one and all in suburban sensibilities.
Cursed with 1970s architecture, committed to subtle signage and earth-toned exteriors, the place is a radical social experiment in Sears clothing.


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Our Curriculum for Excellence (CfE) has evolved mainly from the anxieties associated with the notion of 'Teaching in the 21st Century', indeed the Organisation for Economic Co-operation and Development (OECD), has had a significant role in shaping what it believes our young people will need to flourish in the future-'Skills have become the global currency of the 21st century. Without proper investment in skills, people languish on the margins of society'.-and so we are presented with the skills versus knowledge debate-is knowledge disappearing from education?
In my blog yesterday, I argued that that it is acquired through a purposeful process and that we should not merely be transmitters of content. I was, in pedagogical terms, referring to a constructivist approach. Perhaps then, our fears and anxieties regarding the new curriculum are a manifestation of how to truly embrace interdisciplinary learning and experiences within our existing structures. I am having such an experience!
In the last academic session I became involved in a partnership with the local credit union and was lucky enough to see how such a partnership operates within a local primary school. I was thrilled to see children as young as 5 and 6 engaging in real life financial learning within the early broad general education stage of the curriculum. However, I am charged with implementation at post 16 and this provides me with a different set of challenges. There are amazing opportunities to meet the four capacities and even more means to achieve experiences and outcomes across health and wellbeing, social studies and technologies. I am not constrained by these as I'm sure you are in the compulsory sector, however, I do wish to embrace the curriculum in a way that provides the seamless transitions expected within its core. To what extent my own institutional and sectoral imperatives either help or hinder-well that remains to be seen.
I would heartily recommend that anyone interested in leading such a credit unioninitiatve search out their local provider.
I will blog on my progress in the new term.


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Went down to Vancouver, Washington for Kumoricon last weekend. If anyone here ever visits the city, you have to try eating at Little Italy's Trattoria if you have any love for Italian food. There's a certain element to the food there (Preparation? Seasoning? Extra Love?) that elevates it above any Italian food I've ever had, even the pizza, and the prices are quite reasonable for what you get.
I've eaten the Lasagne Emiliana, the Frutti de Mare, and the Vitello Scallopine, and I honestly don't know which I'd recommend the most.


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Final Major Project Blog Summary
When embarking on my final project of this year it was my intention to create a commercial product, my main area of focus was interior lighting products. My interests lay in experimenting with material and user interaction. I wanted to create an engaging piece which customers could form a sentimental attachment to. Throughout my Masters… Read More Final Major Project Blog Summary


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Realtors: Stage Your Home to Sell Faster with Essential Oils
Let's face it - smell is a powerful sense when it comes to liking a disliking a person or a place. If you are staging a home for sale, why not put it in its best light by using essential oils to clean less-than-pleasant odors and to help buyers feel inspired, motivated and confident that this is the right home for them?
Here are some tips for you to get started with using essential oils in your next home showing:
Eliminate Unpleasant Odors
1. Infuse baking soda with essential oils and use that when you vaccuum the carpet just prior to an open house. Try a single oil, or your own combination of 2-3 oils for a unique, signature scent in your next home showing: choose from lemon, lavender, peppermint, melaleuca, wild orange, lemongrass, white fir or douglas fir. The goal is to achieve a clean scent in the home that is gender neutral, which is why I tend to recommend citrus and pine smells over floral scents like jasmine, ylang ylang or rose geraium. Try 10-20 drops of essential oil to 1 cup of baking soda, sprinkle on carpet and let sit for 5 minutes before vacuuming.
2. Spritz the curtains and clean your countertops with a clean, fresh scent: Mix 1 cup distilled water with 1/2 tsp witch hazel or rubbing alcohol, add 20 drops lemon, lime or grapefruit and 5 drops melaleuca. Shake and spritz throughout the home to freshen odors from food, pets, or musty carpets.
3. Got pets? Diffuse essential oils (try lemongrass, or Purify) in the cat's litter box room to eliminate odors rather than mask them. Be sure to vacuum up any pet hair and dander before an open house to help alleviate allergy issues, and of course you can diffuse Lemon, Lavender and Peppermint to help with that as well.
Add a Pleasant Sparkle to a Bathroom or Bedroom
4. Crystal freshener bowls. Find a decorative glass bowl or vase and fill with chunky sea salt or epsom salt. Add 1 tsp grapeseed oil to make the crystals shine, then stir in 20 drops of your favorite essential oil or blend (try Lavender with Balance blend in a bedroom, lemongrass or lime in a bathroom, or wild orange with a few drops of Cassia in the kitchen. Serenity, Motivate, Citrus Bliss and Peace are also good choices for diffusing in a crystal bowl).
Diffuse Confidence and Good will
5. Use a cold diffuser to diffuse essential oils in the home. A well placed Cloud Diffuser in an entryway to set the mood when buyers enter your home, a diffuser with Passion or Balance in the Master Bedroom, a diffuser with Juniper Berry or Motivate in the study or kitchen where you have contracts ready to draw up.
Essential oils can soothe a bad mood, calm doubts or fears, inspire confidence. Try them with your next home showing and let us know how they work for you.
#essentialoils #oils.lfe
Itchy? Apply a drop of Lavender essential oil to take the itch out of a bug bite. It works immediately and may be reapplied as needed. May be used neat or diluted in a carrier oil.


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Alimentary sleep satiety in suckling rats.
- Authors
- Type
- Published Article
- Journal
- Physiology & Behavior
- Publisher
- Elsevier
- Publication Date
- Oct 01, 1986
- Volume
- 38
- Issue
- 4
- Pages
- 557–562
- Identifiers
- Source
- Medline
- License
- Unknown
Sleep/wake states were investigated in rat pups at 12-13 days of age following deprivation of milk and their dam for 9-12 hr. Early in the deprivation period each pup was equipped with bipolar stainless steel electrodes for electroencephalographic (EEG) and electromyographic (EMG) recordings. Four groups of pups were tested using anesthetized dams. The pups were either allowed to root in the dam's fur, but were not allowed to attach to a nipple; allowed to root after receiving a gut load of rat's milk; allowed to attach and suck a nipple without receiving milk; or allowed to attach and suck a nipple following a gut load of rat's milk. The results indicate that suckling elicits sleep, especially slow-wave sleep. Milk in the gut enhanced paradoxical sleep, primarily in the context of sucking. This experiment confirms that the types of sleep can be affected separately by specific internal and external events. The shift in the sleep/wake condition to slow-wave sleep in the suckling situation suggests one type of satiety. Furthermore, the selective enhancement of paradoxical sleep following the gut load of milk suggests postingestive satiety.


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Free Patterns
Welcome to Our Free Patterns Page!
The Free Patterns page is organized from top to bottom alphabetically by pattern name. You can also filter through studio or by collection on the drop downs below. If you have any questions feel free to contact us at: 212-840-3250.
Below each pattern image we have the finished size and the affiliated collection name. Below that you can view and/or download the pattern in PDF format.
PLEASE NOTE: Patterns are available via Adobe Acrobat format. When printing patterns with templates, make sure you choose: "Page Scaling: None" in the print settings
If you have trouble viewing the pattern you can download Acrobat Reader for free at www.adobe.com. Pattern download may take a minute depending on browser and network speed.
Sunshine Garden
Grab your rainboots and umbrella... we're having a quick summer shower! Cheryl's latest collection is another colorful group of fun designs. You'll find bright sunflower prints, a mini rainboot print, mini birdhouses and a delightful cutaway panel that will bring sunshine into your home. As with all Cheryl's fabrics, there will be lots of patterns and projects to support this line, and the coordinates are not only a great match to this collection, but will also coordinate with other Cheryl Hayne's groups you may have. Double the design power! Visit prairiegrovepeddler.com for more projects and patterns.
Delivery Date: Aug/Sept 2017 | Full Collection: 28 Skus
Also available as pre-cuts: 5x5's, 10x10's, Pinwheels & FQ Box
Prairie Sunflowers
- Finished Size: 15 x 22 inches
- Collection: Sunshine Garden
- Release Date: 08/01/17
Sunny Afternoon
- Finished Size: 64 x 74 inches
- Collection: Sunshine Garden
- Release Date: 08/01/17


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- North America
- United States
- Alabama
- Armstrong (historical)
- Search
Traveling Luck for Armstrong (historical) Alabama, United States
The timezone in Armstrong (historical) is America/Iqaluit
Morning Sunrise at 08:33 and Evening Sunset at 18:37. It's light
Rough GPS position Latitude. 32.5264°, Longitude. -85.6069° , Elevation. 124m
Morning Sunrise at 08:33 and Evening Sunset at 18:37. It's light
Rough GPS position Latitude. 32.5264°, Longitude. -85.6069° , Elevation. 124m
Weather near Armstrong (historical) Last report from Alexander City, Thomas C Russell Field Airport, AL 69.2km awayTemperature: 5°C / 41°F
Wind: 5.8km/h Northwest
Cloud: Solid Overcast at 1100ft
Satellite map of Armstrong (historical) and it's surroudings...
Geographic features & Photographs around Armstrong (historical) in Alabama, United States
church a building for public Christian worship.
- Armstrong Church (0.6km)
- Cluster Church (2.8km)
- Concord Church (5km)
- McCrary Church (5km)
- Faith Tabernacle Church (6.2km)
- Saint Matthew Church (7km)
- Oak Grove Church (8.2km)
- Rising Star Church (8.3km)
- Mount Zion Church (8.5km)
- Shiloh Church (8.6km)
- High Hope Baptist Church (8.9km)
- Apostolic Church (9km)
- Hickory Grove Church (9.2km)
- Universal Mission Church (9.3km)
- Rocky Mount Methodist Church (9.8km)
cemetery a burial place or ground.
- Armstrong Cemetery (0.7km)
- McCrary Cemetery (5km)
- Concord Cemetery (5.1km)
- Oak Grove Cemetery (8.3km)
- Pine Knot Cemetery (8.5km)
- Mount Zion Cemetery (8.5km)
- Notasulga City Cemetery (8.9km)
- Hickory Grove Cemetery (8.9km)
- Elam Cemetery (8.9km)
- Union Cemetery (9.1km)
- Shiloh Cemetery (9.1km)
Local Feature A Nearby feature worthy of being marked on a map..
- Armstrong (historical) (0km)
- Vaughn Mill (historical) (4km)
- Mount Sheba Church (historical) (6.1km)
- Interchange 42 (6.6km)
- Apple Grove Church (historical) (7.4km)
- Pin Oaks Country Club (7.5km)
- Asberry Church (historical) (8.4km)
- Mount Ester Church (historical) (8.6km)
- Elam Baptist Church (historical) (8.9km)
- New Potasi (historical) (9.2km)
school building(s) where instruction in one or more branches of knowledge takes place.
- Armstrong School (historical) (0.1km)
- Brown Hill School (historical) (2.8km)
- Crossroads School (historical) (6.7km)
- Beehive School (historical) (7.5km)
- Notasulga High School (8.3km)
- Shiloh School (historical) (8.6km)
- Notasulga Block School (8.8km)
- Macedonia School (historical) (9.2km)
- Loachapoka Junior High School (9.6km)
Accommodation around Armstrong (historical)
Hampton Inn Auburn 2430 S College St, Auburn
Microtel Inn & Suites by Wyndham Auburn 2174 S College St, Auburn
Quality Inn 2283 S College St, Auburn
populated place a city, town, village, or other agglomeration of buildings where people live and work.
- Beehive (5.2km)
- Alliance (8.5km)
- Notasulga (9.3km)
- Pleasant Hill (9.8km)
stream a body of running water moving to a lower level in a channel on land.
- Hodnett Creek (4.4km)
- Mahone Creek (4.5km)
- Miles Creek (7km)
- Choctahatchee Creek (8.3km)
dam a barrier constructed across a stream to impound water.
- Vaughans Mill Pond Dam (4.1km)
- G E Kimbrough Dam (9.9km)
building(s) a structure built for permanent use, as a house, factory, etc..
- Tuskegee Ranger Station (7.1km)
tower a high conspicuous structure, typically much higher than its diameter.
- Tuskegee Lookout Tower (9.8km)
reservoir(s) an artificial pond or lake.
- Vaughans Mill Pond (4.1km)
forest(s) an area dominated by tree vegetation.
- Tuskegee National Forest (5.6km)
lake a large inland body of standing water.
- Colliers Pond (7.4km)
park an area, often of forested land, maintained as a place of beauty, or for recreation.
- Uchee Shooting Range (3.7km)
Wikipedia entries close to Armstrong (historical)
- Notasulga, Alabama city o city
- Loachapoka, Alabama city o city
- Tuskegee (Alabama) city i city
- Jordan-Hare Stadium sport landmark
- Auburn (Alabama) city h city
- Macon County (Alabama) adm2nd adm2nd
- Auburn-Opelika Robert G. Pitts Airport airport airport
- Franklin, Alabama city o city
- Waverly, Alabama city o city
- Opelika (Alabama) city i city
- Lee County (Alabama) adm2nd adm2nd
- Tallassee, Alabama city o city
- Camp Hill, Alabama city o city
- Shorter, Alabama city o city
- Hurtsboro, Alabama city o city
- Dadeville, Alabama city o city
Airports close to Armstrong (historical)Lawson aaf(LSF), Fort benning, Usa (79.7km)
Maxwell afb(MXF), Montgomery, Usa (94.2km)
Anniston metropolitan(ANB), Anniston, Usa (154.3km)
Craig fld(SEM), Selma, Usa (169.9km)
Dothan rgnl(DHN), Dothan, Usa (174.7km)


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Eastern Washington University Info
Eastern Washington University is a regional, comprehensive public university located in Cheney, Wash., with programs also offered in Bellevue, Everett, Kent, Seattle, Shoreline, Spokane, Tacoma and Vancouver.
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Watch top b-boys like Sonic (Denmark), Lilou and Junior (both France), Hong 10 (Korea) and defending champion Omar (USA) as they go one-on-one, heat after heat, until there is only one standing in the arena - the champion. Shot with 5 16mm cameras and hosted by the Godfather of Noyze himself, Rahzel (The Roots), RED BULL BC ONE BERLIN 2005 spotlights the top breakers in the world. Set to cracking beats and breaks delivered by DJ Ace, Billy Brown, and JS 1.
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We were being inside a relationship for previous 8yrs. It's been 4months he's not conversing with me. He's abroad And that i'm in India. Yesterday he blocked me in WhatsApp. I really feel broken. Plz assistance me. I want him in my lifestyle.
The place did I come up with this? Basically this truly occurred to me. I had been courting a girl and after we broke up I took place to run into her at a Starbucks and even though we had a brief pleasant conversation I couldn't take my eyes off of her because she just appeared so stunning. She appeared so superior in undeniable fact that all I could Believe was "how inside the hell did I let her get absent?"
Hello, my boyfriend break up with me yesterday, said he doesn't truly feel captivated towards me any more and like me the same as he made use of far too, but he reported he continue to treatment of me and even now texted me as well.
He will likely seek to call or textual content you through this no Speak to interval. It is vital that you just dismiss him.
if that's definitely the case, he would have created far more energy.. it seems like the other way all-around.. he doesn't want a title, so he friendzoned you..
Hi there, me and my 1yr and three mos boyfriend broke up recently like final Dec 19. We had issues but the most crucial level was he had fallen out of love mainly because he doesnt know how to open up up our challenge that needs to be clear up.
Obtaining dumped sucks. I come to feel for yourself but don't worry we are going to take a look at your breakup and discover the best way to tactic things. Once more, I would like to reiterate this point- don't presume that The key reason why your ex gave you for the break up is de facto why they broke up with you.
Severely, Doesn't that sound right? That if Many of us can visualize couples which have gotten back jointly…less than even some horrible conditions…that there could be somehidden recipe, or key even, to reigniting enthusiasm and recapturing dropped love?
Keep in mind, specializing in do the job In this particular specific case must be utilized to get your thoughts of your ex boyfriend.
and he's not looking to work as if we in no way realized each other but he can't work as if everything is alright and we have been great.
There are two ideal instances for successful your ex boyfriend back – the retrograde durations of both Mercury or Venus.
Not just that but you desire it to remain useless. Lots of times Ladies make the mistake of picking up correct where they remaining off Any time they are doing get their ex back.
Seriously while, if the thing is any book, merchandise or article that guarantees that it will get you your ex back a hundred% of some time you'll want to halt and comprehend you are most likely about to have a look at a thing that was created up simply to get you to purchase it or read it.
After 3 days i found him texting me a couple of concert we ended up purported to go together the following 7 days, soon after two days -weekly after the breakup- I had been quite sad so i commenced talking about how i loathe that and want to acquire back … but he was only reading them, the following day he told me that he couldn't uncover words to that but he can't offer with me , and he hates that get more info he cant even speak with me, and undecided if we returned to talk, he can offer with me or not and he nevertheless requires time " so i explained to him If that is so purchase my live performance's ticket because i wont go by yourself and then a buddy of mine wasnt actually guaranteed if she will Visit the concert or not so i told him not to provide it to friday, i didnt speak with him and on friday he texted me to check out if i'd consider it or not, but i didn't answer so soon after fifty percent one hour he texted me again that he gave it to a buddy , but he retured to textual content my Pal right after few several hours and didnt point out me but asked if she would come and she or he told me its The very first time to textual content her and he was making an attempt to figure out no matter whether i will go or not inderctly, it's been almost two weeks due to the fact then, i didnt speak to him and niether did he, yesterday he along with the girl vheated me with commenced next each other and he talked on the Female he sexted with and another women, I've improved alot Individuals two months but when i found out i began crying what need to i do?
A Simple Key For how to get your ex girlfriend back Unveiled
We were being inside a relationship for previous 8yrs. It's been 4months he's not conversing with me. He's abroad And that i'm in India. Yesterday he blocked me in WhatsApp. I really feel broken. Plz assistance me. I want him in my lifestyle.


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Help needed setting up RAID in PC's BIOS
Anggaran $10-30 USD
I need someone to assist with setting RAID 1 in my computer's BIOS.
I have attached a couple of photographs of my computer's BIOS screens and I would like someone who is both knowledgable about RAID and can use a tool like Adobe Fireworks to superimpose the correct values.
Please include in your bid 15 mins of your time (discussing on Skype) should I have any further questions.
Diberikan kepada:
hello! i can help you and assist make a raid1 on this motherboard. if you can make photos of every step of course.
4 freelancer menawar dengan rata-rata $24 untuk pekerjaan ini
Hello. Since you have enabled raid in bios, then save and exit from it. You'll see raid configuration utility key combination in boot process right after bios. Usuall it's a ctrl+i key combination.
I've been in IT for about 20 years and have done many RAID setups, mainly on servers, but a few desktops. I'm a bit rusty on desktop RAID, but did a quick google refresher. I'll help you get RAID 1 up and am reachabl Lebih banyak
I am a system administrator and I can help you with this easy task. But at the beginning you have to tell me, what type of RAID do you want (to prioritize fault tolerance or speed). We can discuss your task via Skype Lebih banyak


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FCi Federal has won a $25.5 million contract to support the State Department's mail and diplomatic pouch services.
Under the contract, the company will help the State Department meet their objectives by providing support services for processing all incoming and outgoing mail at two Virginia-based government sites, the company said in a release.
This contract award expands the company's footprint in the State Department. FCi also is the prime on the State Department's Visa Support Services program, the company said.
About the Author
Mark Hoover is a senior staff writer with Washington Technology. You can contact him at email@example.com, or connect with him on Twitter at @mhooverWT.
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As one of the UK's leading event security companies, we take great pride in offering only the best when it comes to event security. With experienced Security Industry Authority (SIA) licensed security guards and security staff fully trained in handling all your security needs, you can trust the professionals in ensuring your event runs smoothly and securely.
What we can offer you
From preparing the initial security details to wrapping it all up, our security staff will be there from start to finish ensuring your event stays secure throughout. Covering a broad range of events, our team of experts can cater for:
Corporate Events and Launch Parties;
Sporting Events;
Music Festivals;
Charity Galas;
Exhibitions and Conferences, as well as other events you may require security for.
Not only do we provide for a variety of events, our St Albans event security staff also offer a huge skill set involved with event security, including:
Static Security;
Front of House;
Crowd Control;
Dealing with emergencies;
Liaising with police and event organisers and more
Responsibilities such as arranging security and emergency contingency plans and being first on the scene to provide first aid assistance make up only a fraction of a Churchill Security guard's duties. Organising the event entails that a number of issues are safely under control, including the number of people involved, the venue's evacuation procedures, and custom designing your security guards relevant to your event.
Additional Event Security services
As well as providing static security, we also offer Closed-Circuit Television (CCTV) and mobile security patrol solutions. Monitoring for any suspicious activity, our CCTV systems will capture any potential dangers while our mobile security patrols the site to make sure your property and guests are safe from harm. At Churchill Security we understand that no two events are ever the same, which is why our security packages can be tailor-made to meet your requirements. And as one of the UK's most noted security firms, you can guarantee that when it comes to event security – Churchill Security will keep you Safe & Sound.


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Copperas Cove FFA holds 2nd annual Color Run
By PAMELA GRANT
Cove Leader-Press
Firefighters doused participants in a light stream of water as they began Saturday's 2nd annual FFA Color Run.
Copperas Cove's Future Farmers of America, or FFA, hosted their 2nd annual Color Run 5k at South Park on Saturday. Registration was $12 and half of the money was donated to the Wounded Warrior Project. More than 40 people participated in this year's race, 30 of which were students. Student volunteers were placed throughout the course at South Park to douse the runners in bursts of colorful powder.
"A lot of people showed up," said Tori Schwausch, CCHS's FFA president. "I was really happy with the way it turned out."
The event was organized by CCHS FFA officers Abbie Wardlow, Caden Chapman, and Sofia Pfirrmann.
Caden Chapman (15) said that part of the reason for the event was to help their FFA become a star chapter and so that they could come together with the community.
Stephanie Hedrick, FFA advisor who teaches Animal Science classes at CCHS, said the project helped the students to bond and encouraged teamwork. The students created the colorful powder in her classes over the course of two days.
"We do a lot of community service events, but this one is more hands on," said Hedrick. "It's doing really well…It's a lot more fun this year."
Hedrick added that this year, the students did a much better job of planning and advertising which is why they were able to have a much larger turnout this year.
Not only did many FFA students participate in Saturday's race, several other students came out to support their friends by either running or volunteering to throw powder at the racers.
"It's really fun," said Abbie Wardlow (17). "You just have to make sure you don't hit anyone in the face."
Nilaja Whitaker ran the event alongside her daughters, Kali and Makena Whitaker. She said that her daughter, Kali, runs cross-country, so they wanted to make running a family event. Whitaker said the family plans to run at least one 5k together per month. Whitaker's husband is a veteran which is why they chose to run in Saturday's Veterans' Day race.
Kali Whitaker said it made her happy to be able to run alongside her family.
Some of the runners ran for fun, some for the cause, and others to support their fellow students. Regardless of why they participated, all of them were donating to a good cause.
"I like to run…It was perfect weather for running," said Adam Wolf who finished the race in 1st place. "It's nice to be able to do something I love and support a really great organization."


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"Titanic" stars included Leonard DiCaprio, who played Jack Dawson, a poor man who falls in love with upper-class socialite Rose DeWitt Bukater, played by Kate Winslet, while onboard the ill-fated ship. Billy Zane stars in the movie as Caledon "Cal" Hockley, Rose's betrothed and soon arch-enemy of Jack.
While most of the characters in the movie are fictional, Kathy Bates' character, "the unsinkable" Molly Brown, was a real person who was actually on the Titanic when it foundered. Another "real" character is Captain Edward James Smith, played by Bernard Hill. John Jacob Astor, also a real passenger, is played by "The Young and the Restless" star Eric Braeden. Other notable characters include Spicer Lovejoy, Cal Hockley's valet, played by David Warner, and Brock Lovett, played by Bill Paxton. Victor Garber plays the ship's designer, Thomas Andrews, and Suzy Amis plays Lizzy Calvert.
Jack Dawson's buddy Fabrizio, who won his ticket on the Titanic in a game of cards, is played by Danny Nucci. One of the most beloved actors in the movie is Gloria Stuart, an older woman who plays the old version of Rose.
The movie, which runs more than 3 hours, was written and directed by James Cameron, director of other hits such as "Avatar" and "The Terminator."


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Michael Clayton2007
Michael Clayton (2007)
Critic Consensus: Michael Clayton is one of the most sharply scripted films of 2007, with an engrossing premise and faultless acting. Director Tony Gilroy succeeds not only in capturing the audience's attention, but holding it until the credits roll.
Michael Clayton Photos
Movie Info
Watch it now
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as Michael Clayton
as Karen Crowder
as Arthur Edens
as Marty Bach
as Barry Grissom
as Mr. Greer
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as Anna
as Walter
as Raymond Clayton
as Henry Clayton
as Fifth Year
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as Anna's Sister
as Del
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News & Interviews for Michael Clayton
Critic Reviews for Michael Clayton
All Critics (199) | Top Critics (45) | Fresh (180) | Rotten (19) | DVD (12)
Clooney's glamorous intelligence is deepened by his constant hints that slickness, like corporate integrity, is just an act.
Confident in the story's power and the moviegoers' intelligence, Gilroy uses only one explosion to own our rapt attention.
A throwback to trim, intelligent moral thrillers like The Verdict and Absence of Malice.
This doesn't begin to deserve the Oscar nominations it's likely to get, but I had a good time with it nonetheless.
Smart and exciting, Michael Clayton takes the audience on a ride whose pleasures almost sneak up on you and are all the more satisfying because of it.
Audience Reviews for Michael Clayton
Though not the most entertaining or innovative film, Michael Clayton is still a compelling, smart, and satisfying thriller that features strong acting and an interesting premise.
Super Reviewer
Corporate greed's at the middle of this look at the behind the scenes legal wrangling in a wrongful death lawsuit, greed vs. morality. The leads are good (especially Swinton) even if the pace is slow at first, so distracting.
Super Reviewer
The standard of filmmaking in ''Michael Clayton'' is impeccable. The plot threads tie together wonderfully, the performances from Clooney, Swinton and Wilkinson are outstanding and the tension that runs throughout the film is so high. Gilroy's script is wonderful with such hard-hitting dialogue and the development of each character is incredibly solid. If you're looking for a superbly assembled and suspenseful drama, ''Michael Clayton'' is as perfect as you could get.
Super Reviewer
Michael Clayton Quotes
|Michael Clayton:
|Im Sheeva, the god of death!
|Michael Clayton:
|The police don't call.
|Michael Clayton:
|I'm not the guy you kill. I'm the guy you buy! Are you so fucking blind that you don't even see what I am? I sold out Arthur for 80 grand. I'm your easiest problem and you're gonna kill me?
|Michael Clayton:
|You're so fucked. Here let me get a picture while I'm at it.


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Homeowners Say Allstate Pulled a Fast One
TALLAHASSE (CN) – Allstate Insurance persuaded the Florida Legislature to pass a law allowing insurers to buy discounted reinsurance from the state, then had the brass to ask for a 42 percent rate hike, using "falsely skewed hurricane models … in a wrongful attempt to claim that [it] did not realize any savings," homeowners say in a class action.
Lead plaintiffs David and Theresa Sapuppo claim that "following a number of hurricane events that occurred in 2004 and 2005 in Florida, the Allstate Companies, including the defendant [Allstate Floridian Insurance Company], and other insurance company interests used their marketing strategies and their sizeable legal and lobbying resources to lobby the Florida Legislature in 2007 to consider and pass a law known as 'House Bill 1-A.'
"Among other things, House Bill 1-A allowed the Allstate Companies to purchase 're-insurance' from the State at a much lower price than it could be purchased in the private market. The State of Florida assumed risk for certain amounts of storm damage that previously had been assumed by the private marketplace. This risk assumption resulted in lower risk and a reduction in costs to defendant."
According to the complaint in Leon County Court: "The Allstate Companies represented to the Legislature that House Bill 1-A would save the insurance companies a substantial amount of money, and that this savings would be passed on to Florida policyholders in the form of lower premiums. Thus, when enacting House Bill 1-A … the Legislature required the defendant to make a rate filing which reflected the savings or reduction in loss exposure to the insurer," so the savings could be passed on to consumers as quickly as possible.
However, the class of policyholders claims that "despite the Allstate Companies recording rising profits … the defendant made a rate filing … to increase the premiums it charged plaintiff, in direct contradiction of the law and the representations the Allstate Companies made to the Florida legislature." (Emphasis in complaint.)
The class claims: "The Florida Legislature and the Governor of Florida enacted the legislation to bolster Florida's economy by having the State of Florida assume billions of dollars of risk that otherwise would have been a cost of business paid by defendants and the insurance industry. In exchange, defendant and the insurance industry represented that they would pass the savings along to Florida policyholders in lower premiums, rather than increase their own profits and seek additional rate increases.
"The named defendant knowingly used lobbyists, public relations firms and other personnel to have the legislation adopted that would allow them to obtain state-subsidized reinsurance, creating billions of dollars in risk for Florida, without lowering property and casualty insurance premiums for the plaintiff and those similarly situated to the extent and within the timeframe called for by the legislation."
The complaint states: "The Allstate Companies made misrepresentations that induced their procurement of state-subsidized, low-cost reinsurance;
"The Allstate Companies retained the benefit conferred upon them by the reinsurance cost savings and failed to timely pass along the savings resulting from their purchase of state-subsidized reinsurance to their ratepayers … in the form of lower premiums, despite being legally required to do so;
"Upon information and belief, the Allstate Companies have attempted to avoid their obligations to reduce premiums by using inaccurate and misleading data, including falsely skewed hurricane models and unjustifiable hurricane risk loads, in a wrongful attempt to claim that they did not realize any savings to pass along to the people of Florida in the form of lower premiums."
Most notably, "While most insurance companies timely submitted filings which reflected a decrease in premium rates following 'presumed factor' filings, the defendants submitted a filing which sought a 41.9 percent increase in rates. Only after being sued by the Office of Insurance Regulation did the defendant agree, more than a year later, to a further reduction of 5.4 percent in residential property insurance premiums for plaintiff and other similarly situated policyholders."
The policyholders seek recovery of the 5.4 percent premium hike they paid before September 2008, and damages for unjust enrichment and breach of contract.
They are represented by Jon Moyle Jr.


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Tel. +386 41 353 392
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Myrtle Beach Golf Packages
Golf Digest rated TPC - Myrtle Beach 5 stars in "Places to Play". Designed by acclaimed architect Tom Fazio, TPC - Myrtle Beach has been a host of the Senior Tour Championship.
Enjoy perfectly groomed fairways and greens and venture forth through towering pines and expansive wetlands. TPC - Myrtle Beach recently replaced the course greens, and the greenside bunkers have been refurbished with new drainage and sand.
Prestwick CC is a fantastic club designed by Pete Dye and P.B. Dye. This course offers a serious challenge for golfers of all levels. Prestwick's undulating fairways numerous sand and water hazards offer a true test of your game. This course is known for its excellent conditions and slick greens.
World Tour Golf Links is a 27-hole facility inspired by world-renowned courses, many of which have been host to championship tournaments. Holes inspired from Augusta National, St. Andrews, Oakmont, Winged Foot, and Valderrama are carved into the Carolina terrain, enabling golfers to sample some of the most prominent layouts throughout the world, all in one day.
Prices are based on four golfers sharing a two bedroom golf villa.Contact us by phone (1-877-732-6999) or e-Mail (firstname.lastname@example.com) if you have questions or to book your golf vacation.
For a quote on this golf package with a different lodging option (golf villa, oceanfront condo, oceanfront hotel, or hotel), please do not hesitate to contact us by phone (1-877-732-6999) or e-Mail (firstname.lastname@example.com)


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As you wake in the morning to the pristine sea view from the master bedroom, you'll stroll into the spacious built in robe, grab your swimmers, glide down the central stairs, drink your freshly squeezed juice in the glistening stainless steel appliance kitchen and take a dip in your sparkling pool before you have breakfast under your shaded pergola.
Set atop a quiet court with direct views onto the water, this home is surrounded by quality and oozes charm and elegance.
Features of the home:
- Five bedrooms all located on the first floor
- Master with spacious WIR; ensuite with separate monsoon shower; pristine tiles
- 2nd bedroom has access to the panoramic shaded balcony
- 3rd and 4th bedroom with BIRs
- Centrally located bathroom services additional bedrooms
- Separate WC
- Enviable linen closet
- Ducted reverse cycle cooling/heating
- Airy and spacious formal downstairs lounge with views from outdoor entertaining area to the sea
- Open plan dining and kitchen, and informal lounge, with stunning views
- European appliances throughout the kitchen complimented with pristine white cabinetry
- Large corner pantry and a generous fridge cavity
- Two-car lock up, automatic garage with ample onsite parking
What we love about this home:
- Uninterrupted sea views
- Hillside location in a quiet court
- New plush carpets
- Bathrooms and toilets have been tastefully renovated
- Light filled, low maintenance entertaining area with established gardens
- Beautifully tiled pool (and spa) with swim jets and solar heating
- Laundry chute from upstairs directly into the downstairs laundry cupboard, perfect for hiding the washing
- A view that you want to wake and come home to every day
This lifestyle home will have you smiling each and every day. Close to beaches, bustling Brighton Road, Jetty Road and your choice of Westfield or the city, this purchase would suit an owner occupier or savvy investor.
Disclaimer: The accuracy of this information cannot be guaranteed and all interested parties should seek independent advice.
James Packham
Stephanie Callaghan


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Availability: Available for order
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This elaborate equestrian model is as much a work of art as the paintings or sculptures it inspires. Since the Renaissance, anatomically accurate and articulate miniatures have been demanded by gifted artists in their pursuit of imitating life. This large scale horse is carved from beautiful beech wood and precisely jointed to allow a wide range of motion. Two adjustable brass support posts allow you to raise or lower the animal to accommodate various positions. The rectangular base is made from maple and has a distressed black finish.
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Own this business? Learn more about offering online ordering to your diners.
Caiola's Restaurant
White bean, tuscan kale and chili pepper soup.
With fresh herbs and pickled shallots.
With fried pears and goat cheese.
With bacon, toasted nuts, gorgonzola and apples.
With fried spicy oysters.
With lime mayo and red onion.
With caramelized onions, spinach salad and a garlic cream.
With Jicama, lemon, capers and sea salt.
with Potatoes and a Mustard Dressing.
With vegetable and cured meats.
With caramelized onions and mushrooms in a tomato sauce.
With fennel grilled bread.
With gorgonzola and tomatoes.
With a cider leek sauce, mushrooms and mashed potatoes.
With a spanish almond basil sauce, creamy cauliflower with potatoes and french beans.
With roasted yukon gold potatoes and a pickled beat salad.
With grilled chicken, chorizo and shellfish.
With sweet potatoes and broccoli rabe.
With grilled onions, bacon, cheddar cheese and homemade tater tots.
With a red wine sauce, shallots, black barley and chard.
Menu for Caiola's Restaurant provided by Allmenus.com
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Process stabilisation - key assumption for implementation of Industry 4.0 concept in industrial company
Felicita Chromjakova
Implementation of Industry 4.0 concept based on the real stability of horizontal (business) and vertical (digitized) enterprise processes. Special attention will be given in this paper to the process stabilisation model including their core pillars, next to the identification of basic metric for evaluation of process model stability. Results presented in this paper based on the research project and survey realised in more industrial companies.
Full Text: PDF
DOI: http://dx.doi.org/10.20470/jsi.v8i1.295
This work is licensed under a Creative Commons Attribution-Noncommercial 3.0 Czech Republic License.


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Wednesday, February 29, 2012
♫ Up On the Roof! ♫
3 comments:
Mom, I LOVE seeing all of your pictures and hearing about your experiences. Kinshasa looks beautiful from where you are. We love you and pray for you multiple times... daily. Jackson is the best at remembering you and Grandpa George, you know he has such a sweet, tender heart. But, all of the children talk about you and pray for you.ReplyDelete
I loved the pictures too. Chloe again prayed that you and Grandpa George would be safe from all the hyenas. I don't see how they can carry all that stuff on their heads, crazy! Love you and thanks for posting pictures!ReplyDelete
The pictures are fantastic. Do they get offended when you take pictures of them? I really love seeing the little pieces of your life now. It gives us a better sense of where you're at and what you are doing. We all are praying for you. Hugs and Kisses to you both.ReplyDelete