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One year into the regulated mortgage market, the Council of Mortgage Lenders believes the transitional costs of mortgage regulation weigh in at double the FSA's estimate.One year ago, the FSA said that one-off set-up costs would total 136m, of which 83m would be incurred by lenders. Lenders would also thereafter have to pay an annual cost of just under 68m. Total one-off costs of the regime for the FSA are set at about 5m and total ongoing costs are about 7.6m a year, according to the regulator. This includes policy decisions and supervision. But many are now scoffing at these figures which the regulator is standing by. Stroud & Swindon chief executive John Parker came up with a stratospheric 500m cost last November – more than four times the FSA's figure – but the CML's estimate is "about double" that of the regulator's although no exact figure has been given. CML senior policy adviser Kate Davies puts the FSA's misjudgement down to timing. Its original figures were calculated over two years before mortgages came under the regulator. She says: "At the time, it was the best guess they could give. No one knew of the complexities to planning for regulation. Even after implementation, lenders had to make great adjustments and developments as they have gone along." Davies says she doubts that the FSA will make a move to find out the cost of mortgage regulation as she thinks the regulator views it as "all a bit academic now and water under the bridge". But Association of Mortgage Intermediaries director Chris Cummings believes the only way the FSA can appear to be accountable is by conducting a review of the costs of mortgage regulation. He says: "At a given point, it should make an evaluation of costs and benefits to make the market look like it is accountable, otherwise firms will get the feeling that this is a one-way street. The market must feel like it has an accountable regulator." The FSA has already committed to an overall review of regulation and its affect on consumers but will not incorporate mortgages in the review which Cummings believes is an error of judgement. He says: "When the FSA announced that it will be calculating the 'real cost' of regulation, we urged them to look at and include mortgages. The FSA refused on the grounds that it has no previous data in which to assess the impact." According to Cummings, the regulator says it will "consider" looking at the cost of mortgage regulation two years into the regime. The AMI believes that the one-off cost of regulation is underestimated not only by the FSA but also by the CML as its calculations are weighted towards the costs towards lenders and not the entire industry. The Mortgages Practitioner sole trader Danny Lovey says: "The problem is that the cost of regulation, which we all know to be a lot higher than the lenders are reporting, may not be proportionate to what we are getting out of it. But how will we know until a true cost analysis can be published? What I do know about is the impact on time, especially when completing the RMAR obligations. Of course, it is the old phrase again – time is money. We all support regulation but at times it is hard to negotiate real time with clients and form-filling." Marlborough Stirling conducted its own benchmarking study last month. The report calculates that mortgage lenders' processing costs have increased over the past year by as much as 69 per cent – around 123m for the sector as a whole. The report also states that the average cost of processing mortgage applications has increased from 89.97 per case in 2004 to 146.49 in 2005, a rise of 69 per cent. Mortgage business managing director David Edwards says: "The improvements in mortgage processing by most lenders in 2004 appear to have been reversed in 2005. Regulation was probably a major factor. Many lenders have found it difficult to reconcile the needs of M-Day with maintaining low-cost high-quality services." Edwards goes on to say that more lenders now fall into low-quality segments and half the lenders sampled fall into high-cost sectors, suggesting that some lenders are struggling with the affect of regulation. Indeed, regulation and the ensuing costs will become more complicated the longer the FSA ignores the calls to make the necessary calculations. Edwards warns that lenders still have the considerations of Basel Two, home information packs and the European Credit Directive to figure into their systems. The FSA has said in its review of MCOB that it is extremely unlikely that it will initiate any major changes and as a result lenders will not have to worry about further costs. But as Mutual One commercial director David Charlton reminds us, the FSA has not strictly speaking left everything unchanged. Six months into the regime, the FSA said that it sees no reason why lenders could not make the majority of their key facts illustrations five pages long. Charlton says: "Why tell this to the industry? Why didn't they just be specific in the first place? In the interests of treating customers fairly, there must be some lenders wondering whether they may get a friendly prod from the FSA to shorten their documents. This, of course, will come at some expense." The CML, the AMI and other organisations agree that it is difficult to come to a real figure for the cost of mortgage regulation but it is certainly not impossible. As Cummings says, it is only by conducting thorough examinations of a new regime that the regulator secures an open and transparent relationship with the regulated.
Cost crunch
Andrea Tryphonides on why many believe the FSA has got its sums wrong on the cost of mortgage regulation


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- corrine1968Asked on April 18, 2016 at 07:31 PM
- JotForm SupportliyamAnswered on April 18, 2016 at 10:59 PM
Hello corrine1968,
Can you try reintegrating your form if the issue can be fixed by that? If not, can you please provide us more information such as the link to the form with the issue so we can have a deeper look?
Looking forward to your response.
- SunnyAnswered on April 18, 2016 at 11:15 PM@corrine1968. Currently, there's no existing integration for Google Docs and Jotform. But there is for Google Drive and Google Sheets. Also, when asking questions, provide as much information as possible, including error messages, what you have previously tried, what documentation and searches you have attempted. Paint a complete picture.

subset: commoncrawl


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Social health protection
Project description
Title: Social health protection
Commissioned by: German Federal Ministry for Economic Cooperation and Development (BMZ)
Country: Cambodia
Lead executing agency: Ministry of Health, Cambodia
Overall term: 2009 to 2018
Germany has been supporting efforts to reform the Cambodian health system since the mid-1990s. Cambodia has achieved most of the health-related Millennium Development Goals (MDGs) ahead of schedule. The percentage of the population living below the poverty line has fallen from 48 per cent (2007) to 19 per cent (2012), and the maternal mortality rate has halved since 2000.
However, people living in poverty or close to the poverty line as well as persons with disabilities and older persons continue to have inadequate access to appropriate health services. Only approximately one fifth of Cambodians have social health insurance and many households fall into poverty due to the health related expenditures. Health service provider lack materials, equipment and qualified staff. Low wages in the public sector affect the motivation of public servants.
Poor and vulnerable groups have more equitable access to health services of appropriate quality.
GIZ supports the Cambodian Ministry of Health and other partners in four areas of activity:
- Health care financing
- Improving health services
- Citizen participation in the health system
- Inclusion of vulnerable groups
The project provides national policy advice and supports the implementation of the national health strategy in the provinces of Kampong Thom, Kampot and Kep. It promotes reform processes on a long-term basis, strengthens state and non-state organisations, and enables specialists and managers to implement sustainable solutions designed to improve the health and social protection of the population.
The access of poor and vulnerable population groups to essential health services has improved as a result of the establishment of a social health insurance system. Poor people are covered without paying contributions. Households living just above the poverty line can voluntarily join the social health insurance scheme for a small annual contribution. Special services, such as the payment of transport costs for persons with disabilities, have been implemented by the project. These measures have contributed to providing social health protection for up to one third of those living in supported provinces.
In cooperation with selected commune councils and non-governmental organisations, patients are informed of their rights and encouraged to give feedback. Dialogue between service users, sub-national councils and health institutions strengthens mutual understanding and trust as well as transparency and accountability.


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Stocks are off to a mixed start on Wall Street ahead of a speech by Federal Reserve Chair Janet Yellen later in the day. Investors will be listening for clues Friday on whether the central bank will raise interest rates again later this month. Several companies were moving after reporting their latest quarterly results. Costco slid 3.6 percent after the ...Read More »
Tag Archives: markets
US stock indexes move lower in afternoon trading; oil falls
A sharp slide by Target and other big retailers weighed on U.S. stock indexes late Tuesday afternoon, steering the market on course for a lower close. Industrial stocks and phone companies were among the big decliners, while utilities gained the most. Investors were looking ahead to an evening speech by President Donald Trump to both houses of Congress in hopes ...Read More »
Stocks flirt with records as Macy's soars, oil rebounds
U.S. stocks advanced Thursday as better-than-expected economic data and a rebound in oil prices boosted sentiment among Wall Street investors. Weekly jobless claims pointed to continued low levels of layoffs while both import and export prices inched up despite a decline in fuel costs, suggesting a possible pick up in inflation. The S&P 500 index SPX, +0.20 percent was up 8 points, or 0.4 percent, ...Read More »
Stocks, pound fall again due to UK vote uncertainty
U.S. stocks indexes headed toward a sharply lower close in late-afternoon trading Monday, reflecting ongoing investor jitters over the fallout of Britain's vote to leave the European Union. European stock markets extended their losses from Friday. The British pound, which last week plunged to its lowest level since 1985, continued to fall as traders expected the British economy would take ...Read More »
US stocks slip as energy companies take losses
U.S. stocks are skidding Monday as energy stocks take big losses. Companies including Xerox and drugmaker Perrigo are down after reporting disappointing earnings and lowering their expectations for the year. Consumer stocks are trading higher. KEEPING SCORE: The Dow Jones industrial average fell 59 points, or 0.3 percent, to 17,944 as of 1:55 p.m. Eastern time. The Standard & Poor's ...Read More »
Stocks eke out modest gains as focus turns to US earnings
U.S. stocks were steadily higher in early trading Tuesday, as investors worked through the first batch of earnings from the first quarter of the year. KEEPING SCORE: The Dow Jones industrial average rose 42 points, or 0.3 percent, to 17,600 as of 10:09 a.m. Eastern. The Standard & Poor's 500 index rose two points, or 0.1 percent, to 2,044 and ...Read More »
Stocks rise ahead of company earnings reports
U.S. stocks were slightly higher in afternoon trading Monday as investors wait for first-quarter company earnings to start rolling in. Overseas markets were also rising as investors hoped for more stimulus in China, the world's second-largest economy. KEEPING SCORE: The Dow Jones industrial average was up 79 points, or 0.5 percent, to 17,654 as of 2:25 p.m. Eastern. The Standard ...Read More »
Stocks slip, led by energy and materials companies
Energy and mining companies led a decline for U.S. stocks in late-afternoon trading Wednesday as the prices of oil, metals and other commodities fell. Disappointing earnings from several companies, including Nike, also weighed on the market. KEEPING SCORE: The Dow Jones industrial average fell 79 points, or 0.5 percent, to 17,503 as of 3:23 p.m. Eastern Time. The Standard ...Read More »
US indexes waver; travel companies sink following attacks
U.S. stock indexes wavered between gains and losses in morning trading Tuesday, recovering from an early decline following the deadly attacks in Belgium. Health care and materials stocks were among the biggest gainers, while airlines, cruise companies and travel booking sites lagged. European markets fell slightly. KEEPING SCORE: The Dow Jones industrial average fell nine points, or 0.1 percent, to ...Read More »
Stocks open slightly lower on Wall Street
NEW YORK — Stocks are opening slightly lower on Wall Street as the market gives back some of a big gain from the day before. Materials and energy stocks were especially weak in early trading Tuesday as commodities prices moved lower. Fitbit sank 15 percent after releasing a weak forecast, and J.M. Smucker fell 2 percent after reporting sales that ...Read More »


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olivia palermo: budding fashion icon.
she may not have the most sunny demeanor and she certainly has no qualms making frenemies, but the girl can dress.
olivia has easily become one of two-thousand ten's best dressed stars. she consistently frequents the pages of fashion magazines and is a regular on fashion blogs.
she's known for her skills in mixing high and low-end pieces, couture and vintage;
using a statement necklace for extra oomph and making every single outfit seem utterly effortless.
she sports froufrou frocks with the a-list crowd at lavish soiree's, and struts the streets of manhatten in leather pants, ballet flats and of course, an hermes birken bag.
fashionably speaking....
can she do anything wrong?


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(no subject)
I remember like a snake eats. Months will pass unremarked, lean times. Good times, or bad. Then one night I am night driving into rain, rain like thin fabric lit pale yellow orange in the sky ahead and drops timid on glass, growing braver until a sound like hard candy pouring onto metal. Resisting the discordant squeal of wipers, no music but this, the rush of air through cracked windows; a single or two drops reach through to skin and I am fed, senses gorged, skin registers humidity, warmth, patchwork breeze caressing like scraps of silk. The road slicks, glosses, immense columns of orange sodium light bloom in angles from the median, bend and shiver. The word for the smell of fresh rain is petrichor. The word for rain that does not reach the ground is verga.


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EatCheap: Tuesdays in Uptown
By Matt Dowgwillo - Dec 6, 2016
Attention Gourmet Food Lovers!
We'll be eating out a lot this season helping you find the best places to eat! And if you're like us, you LOVE eating at 4-star restaurants. But we get it, you're on a budget, and even if you're not, a little planning can have you eating like a king every day of the week for pennies.
Share more ways to #EatCheap @ThriftyHip on Twitter and we'll write about it. Seriously. I love an excuse to go out and try new places that are serving up big bargains!
Best Food Specials on Tuesdays in Uptown
$10 ALL-U-CAN-EAT FISH FRY TACOS | All Day
Some of the best fish tacos in Minneapolis can be found right in the heart of Uptown at Lago Tacos, an upscale Tex Mex spot that is also good for watching football games.
Their fish taco recipe calls for big chunks of freshly battered cod (or walleye) and are topped with fresh pico de gallo, crispy cabbage, and avocado…. Served in flour tortillas and they keep coming until you can eat no more (which will probably be about 3-4).
Actually, just writing this post is making me hungry just thinking about it, and it's just about time for dinner (and happy hour til 6pm). See you there?
$5 BURGER + SIDE | 5pm – Close
It might sound too good to be true, but we're not lying! You get 1 helluva giant burger and a side of Fries (or Tots) for just $5 all night on Tuesday at Bar Louie's Uptown location.
Show up before 7pm to catch the tail end of happy hour and pair that delicious burger with a pint of Craft Beer for just $4.25.
Fans of the old Uptown Minneapolis bar scene have been swarming this old infamous dive bar on Lake & Lyndale. What's new? The space received huge overhaul in the Spring of 2016, cleaning up the oil-soaked walls, adding in large windows, nicer booths, and retro-fitting a new kitchen.
So what'd they keep? The absolute best thing about the old Country Bar was the Chicken Wings. These puppies have received multiple "Best of" awards, as they should!
The wings are based on the old Shorty & Wag recipe; a mainstay of Uptown (and later, Eat Street) for over 20 years. The owners relocated to Arizona, but you can still get their wings; meaty, crispy, and coated in a light spicy vinegar buffalo sauce at their original Country Bar location.
Wanna make Shorty & Wags wings at home? I found the recipe! (sort of)
The Tuesday Chicken Wing Deal: $5 for 5 JUMBO Wings.
At 1st, it might not sound like a great special, but by most bar standards, that's like $.50 wings (because most bars cut them in half) – Not at the Country Bar though; it's a meal!


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Call Us On 0116 289 3469
or email email@example.com
Interested in a product demonstration?
Call: 0116 289 3469 for more information or Visit our Leicester showroom
We stock a range of used wood burners. Should you have any questions, please feel free to give us a call on 0116 289 3469.
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1200 Micrograms
This article needs additional citations for verification. (April 2017) (Learn how and when to remove this template message)
|1200 Micrograms
|Ibiza, Spain
|Years active
|TIP World
|Associated acts
|C.R.M.B., Electric Scientists, G.M.S., Growling Machines, Growling Mad Synchro, Growling Moon Spirits, Growlmonizer, Harmonix, Inner Reflextions, Meathead Productions, Shpongle, Soundaholix, Sound Farmers, Spacedrifters, Systembusters, Twisted Allstars, Zorba, Quintessence, The Mystery of the Yeti, The Infinity Project
Riktam Matkin
Bansi Quinteros
Raja Ram
1200 Micrograms (also known as 1200 Mics, or 1300 Mics) is an electronic group from Ibiza. The members are Riktam and Bansi Quinteros from GMS, Raja Ram from Shpongle and trance artist Chicago (David Christman). The band was formed in 1999 and split up in late 2016 following ongoing disputes; Riktam was "fed up writing all the music and splitting the money three ways", while Raja Ram and Chicago became "irritated at Riktam and Bansi's unreliability in turning up for performances".[1][2]
- 1200 Micrograms (TIP World, 2002)
- Heroes of the Imagination (TIP World, 2003)
- The Time Machine (TIP World, 2004)
- Live in Brazil (TIP World, 2005)
- 1200 Micrograms Remixed (TIP World, 2006)
- Magic Numbers (TIP World, 2007)
- Gramology (EP) (TIP World, 2010)
- 96% (EP) (TIP World, 2012)
- A Trip Inside The Outside (EP) (Tip World, 2013)
- 1200 Mic's (Tip World, 2013)
- Ritualism (EP) (Tip World, 2016)


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The old notion that "dead men tell no tales" has run up against the needs of modern entertainment. Fans of shows from "CSI" to "Bones" know that dead bodies are teeming with evidence. But for those who find forensic science insufficient, there is "Final Witness" (10 p.m., ABC, TV-14).
The old notion that "dead men tell no tales" has run up against the needs of modern entertainment. Fans of shows from "CSI" to "Bones" know that dead bodies are teeming with evidence. But for those who find forensic science insufficient, there is "Final Witness" (10 p.m., ABC, TV-14).
This seven-part summer series mixes elements of documentary, drama, fact and fantasy to recall recent, notorious murders from a victim's point of view.
The first installment revisits the slaughter of the Caffey family in rural East Texas, where on March 1, 2008, Terry Caffey and his wife were shot in their sleep and left for dead. Their sons Bubba and Tyler were then murdered in their beds. Despite being hit with five bullets, Terry managed to escape and survive and later identify one of the shooters. But Terry's road to justice was not without additional painful revelations about the nature of the crime and the motivation of the killers.
This "Final Witness" is not Terry's tale, but that of his dead wife, Penny. It includes elements of scripted drama with first-person interviews with Terry, Texas Rangers, the prosecutor and several neighbors familiar with both the victims and perpetrators. Look, or rather listen, for a suitably creepy soundtrack featuring singles by the Antlers, Marissa Nadler, Mr. Gnome, Jana Hunter and Sam Amidon. At the time this column was filed, "Final Witness" had not been made available for review.
— "Hollywood Exes" (10 p.m., VH1, TV-14) follows the antics, agonies and ambitions of the former spouses of the rich and famous. The sorority includes Nicole Murphy (actor Eddie Murphy's ex); Jessica Canseco (baseball slugger Jose Canseco); Sheree Fletcher (actor Will Smith); Mayte Garcia (Prince) and Andrea Kelly (R. Kelly).
Over the course of 10 episodes, they will try to establish themselves as more than former trophy wives (and presumably) as reality stars in their own right.
— The 2011 documentary "Runnin' Rebels of UNLV" (10 p.m., HBO) recalls the controversial reign of basketball coach Jerry Tarkanian.
— Healthy appetites on "Dogs in the City" (8 p.m., CBS, TV-PG).
— U.S. Olympics Swimming Trials (8 p.m., NBC).
— The top 20 compete on "So You Think You Can Dance" (8 p.m., Fox, TV-PG).
— A couple's unique charity event requires medical supervision on "Royal Pains" (9 p.m., USA, TV-PG).
— Christopher tells Bobby about his romantic confusion as John Ross seeks the upper hand with a competitor on "Dallas" (9 p.m., TNT, TV-14).
— "School Spirits" (10 p.m., Syfy) exhumes a tale of a student with a broken neck who haunts the halls of a SUNY campus in Geneseo, N.Y.
— A major leaguer's batting slump may be entirely mental on "Necessary Roughness" (10 p.m., USA, TV-PG).
— Marcus finds weapons as the flashbacks to the crime continue on "Inside Men" (10 p.m., BBC America, TV-14).
— "Through the Wormhole With Morgan Freeman" (10 p.m., Science) ponders the notion of nothingness, voids and truly empty spaces.
— A fresh batch of "The Real World" (10 p.m., MTV, TV-14) guinea pigs set up camp at St. Thomas in the U.S. Virgin Islands.
Newlyweds (Fred MacMurray and Joan Crawford) use their honeymoon as cover to spy on Nazis in prewar Europe in the 1943 drama "Above Suspicion" (12:45 p.m., TCM).
Brick becomes Frankie's spy on "The Middle" (8 p.m., ABC, r, TV-PG) ... "America's Next Top Model All Stars" (8 and 9 p.m., CW, r, TV-14) ... Mother's Day madness on "Suburgatory" (8:30 p.m., ABC, r, TV-PG).
On two episodes of "Modern Family" (ABC, r, TV-PG): neighborhood volunteers (9 p.m.), off their gourds (9:30 p.m.) ... Home invasions on "Criminal Minds" (9 p.m., CBS, r, TV-14) ... "America's Got Talent" (9 p.m., NBC, TV-PG).
Alarm bells sound when a dead student's photo becomes an Internet sensation on "CSI" (10 p.m., CBS, r, TV-14).
Andrew Garfield is scheduled on "The Daily Show With Jon Stewart" (11 p.m., Comedy Central) ... Chris Pine, Anthony Mackie and El-P appear on "Conan" (11 p.m., TBS) ... Melinda Gates sits down on "The Colbert Report" (11:30 p.m., Comedy Central).
Jay Leno welcomes Mila Kunis, Jim Norton and Justin Bieber on "The Tonight Show" (11:35 p.m., NBC) ... Matt LeBlanc, Selma Blair and Linkin Park appear on "Jimmy Kimmel Live" (midnight, ABC).
Salma Hayek, Aaron Sorkin, the Jacksons, LMFAO and Angelo Moore visit "Late Night With Jimmy Fallon" (12:35 a.m., NBC) ... Craig Ferguson hosts Lisa Kudrow and Harvey Weinstein on "The Late Late Show" (12:35 a.m., CBS).
Kevin McDonough can be reached at email@example.com.


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2014 Summer Law Program
June 29 - August 3, 2014
The University of Oxford-The Ohio State University Summer Law Program, one of the oldest overseas law programs in existence, will kick off its 27th year in July 2014. The program is limited to 65 participants.
The University of Oxford-The Ohio State University Summer Law Program offers students the unique opportunity to study with faculty from both the University of Oxford in England and The Ohio State University Moritz College of Law in the United States. Students will learn about the British and American legal systems through a combination of class work, guest lectures, and excursions in Oxford and London.
The program houses students in private rooms at St. Anne's College and provides them with full board - three meals a day, seven days a week. Participants can choose from among five different courses and earn up to six hours of credit toward their law degrees. Tuition costs are kept low for a study-abroad program of this scope, making our summer of study in Oxford an excellent value.
The University of Oxford was founded in the 12th century and is known worldwide as a premier institution of higher education. St. Anne's is one of Oxford's newest colleges and has an outstanding reputation for academic excellence. Its scenic grounds are located close to all of Oxford's other colleges and libraries, as well as the downtown shopping district.
The Moritz College of Law and the University of Oxford have teamed up to run the Summer Law Program since 1987, educating law students in a variety of comparative and international law topics. This year the program will offer courses in Comparative Legal Professions, Comparative Sentencing and Punishment, European Union Law, Comparative Election Law, and International and Comparative Climate Change Law.


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Can you join the fantastic East Kent European Movement team for a really important day of campaigning in Herne Bay on Sunday April 8th?
2018 is a crucial year in our campaign to keep our country in the EU, and we need you to help us on the ground to make this happen.
The team will be meeting at 10am (at address below) and will be campaigning until 2pm.
Herne Bay Craft and Produce Market, Wimereux Square, William Street, Herne Bay,CT6 5NX
If you can come, please click the button below to register.


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No Bush League Here
Call it a Craigslist miracle! It's not as if Vancouver metal band Neck Of The Woods came together easy, but it came together nicely. Searching for prospective band members via the musicians-wanted classifieds is always a daunting task for any band. Drunks, addicts, flakes, ex-cons, too-good-for-this, and useless-at-that can make it a torturous process. Managing to avoid all that – Neck of the Woods arrived on the local metal scene in 2012.
Neck Of The Wood's guitarist Dave Carr has been in various projects over the years. The frustration of short-lived bands had set in so he proceeded to find players for something new. Ads were placed and many answered.
"Two drummers, two vocalists, three guitarists, two bassists were tried out," Carr says. "I was able to find Jeff Brown, our drummer, guitarist Travis Hein and bassist Cam King that way. Our singer Jeff Radomsky heard we were looking for a vocalist through some mutual friends and we gave him a shot." Carr was able to find an array of veteran musicians with the exception of Radomsky.
"It's all about the riffs," Carr explains. "Riffs that sound awesome, fun to play, and riffs that make you want to rock out. We like to keep our metal dynamic, too. If you're heavy all the time, it's hard to make your heavy riffs heavier. We love bands like Between the Buried and Me and Opeth, bands that aren't afraid to use their amps' clean channels."
With summer gigs booked solid both locally and throughout Western Canada, 2014 is gearing up to be a big year for the band, with the highlight being Calgary Metalfest in early June.
"We are a high energy live band. It's what all of us love to do the most. Cranked amps and our singer just goes off – he loses his shit every time."
Neck Of The Woods is cauterizing guitar leads, gold polished solos, and gravel-spitting vocals with an Aztec Warrior rhythm attack. Is there GPS for shredding intricate metal music? Do you need a direction? Just head to the woods where it is deep and dark. You'll find the way.
Neck Of The Woods play April 14th @ The Electric Owl – with King Parrot, Vattnet Viskar, Nylithia.
-Heath Fenton


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Welcome to OnTarget CPA's new payment portal, powered by QuickFee. Please click below to access the portal to pay your invoice.
For your convenience, you have the following payment options to choose from:
- Credit Card
- Electronic Funds Transfer / ACH
- QuickFee Financing for invoicing totaling $2,000 or more. Learn more below.


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Justin Verlander signed a 5 year extension worth $80 million to continue to play for the Detroit Tigers. The first thing that ran through my mind was wow that's a lot of money to pay one individual. That total is staggering to pay a person to stay with the organization to deliver the usual, high quality work that has been always delivered.
This led me to a second thought which was the Detroit Tigers paid a current employee more money so they could continue to be successful rather than sign another player to replace him or to scout new talent they could groom for the future. This organization retained an employee by paying more now to save costs in the future. What an interesting concept.
Thought number three for me was then why aren't more organizations following this model? I'm not saying that millions of dollars should be paid out to current employees. The dollar amount should be generous but realistic to the position and business revenues being brought in. The point is that leaders and organizations should look at paying current employees more money than what is usually doled out at year end evaluations or through performance bonuses. Spoiling current talent on your roster would be a pleasant surprise that would help decrease attrition, and increasing retention for those higher quality individuals. Am I wrong for feeling this way?
As I thought about this more I realized that organizations expect more from their employees. More work needs to be completed using fewer resources to accomplish this. This may come in the form of receiving more work with an increase to responsibilities because of attrition, mergers, or more work coming into the company. These expectations of more work may come in the form of being on the clock outside of the usual, traditional work space. Being on call or working additional time outside of the usual 8am-5pm, Monday through Friday workday. More work expectations exist yet more dollars doesn't seem to flow the employee's way.
I think organizations and leaders, at times, falls into gladly paying more for prospective, new individuals outside of the organization than paying to retain their own talent. Leaders, when interviewing, for open positions looks for candidates that offer everything they ever needed and pay more to bring aboard this "new toy", pardon my expression. People that tell leaders they can offer more of the skills they are searching for will be paid handsomely while current employees are at times taken for granted and paid modestly. This is my "new toy" theory. Leaders fall in love with the new toy out in the stores, pay an exorbitant amount of money for this toy, and cast away current toys to the corner of their rooms.
I challenge leaders and organizations to break this model and line of thinking. Do what the Detroit Tigers have done. Identify irreplaceable, talented, current employees and pay them a little more money than business traditions dictates to simply retain them. The extra money being offered can be saved in recruiting, hiring, and training costs. Realize that a known commodity can be more valuable to revenues than a prospect can. Known talent can relieve leaders minds compared to wondering if that new prospect will pan out based on an interviewing process. Is it so wrong to want, expect more money if you're a tenured employee to deliver great work? I don't think so.
The Leadership Corner is an opinion based blog covering specific topics in leadership. I'll offer pieces covering specific characteristics of leaders, theories of leadership with my own spin on it, and point out examples of both effective and ineffective leadership. Coming from Detroit and living in Michigan I have plenty of thoughts to offer.
Saturday, March 30, 2013
Friday, March 22, 2013
Communication Complications
I'm going to make a comment involving leadership that has been made continuously since the beginning of organized business. One of the most crucial elements in becoming a successful leader is by communicating effectively. Whew I said it! That has been bothering me for some time. I really needed to write that, and now I've solved all leaders' misery around the globe. Time to try and solve for world peace. I'm just kidding about that last statement. Communication is easier to discuss. The statement I made about effective communication has been rehashed so many times. Classes have been developed and taught, books have been written, and studies have all determined that communication is an important cog in the leadership wheel. If so much time has been spent trying to master communication then why is it so hard to conquer? Here are some of my thoughts;
Message-One of the things leaders struggle with is in delivering an effective message. This mental tussle between the brain and mouth doesn't occur with the type of message needed to be sent. I think the dilemma exists with how we want to state the communication. Is the message serious or light? Is it formal or informal? Should the leader be serious looking or smile? Serious messages have been communicated with humoristic overtones and loose, informal messages have been communicated with a serious expression and tone. Both faux pas have caused confusion, awkward moments, and have cause leaders to look aloof. The final result is an ineffective message and confused subordinates.
Scripted-In today's politically correct society the business world has developed scripting to handle all situations customers may throw at us. Leaders have scripts, dos and don'ts, and are coached to avoid saying the wrong thing. There are just too many scripts to be able to communicate properly as leaders. The message is lost in translation because it is too prepared. Employees want honest, unrehearsed dialogue with their leaders. This shows management cares enough to communicate from the heart. Being personable lets the leader be creative, warmth, and an openness that helps people better relate to leadership. If it is discovered that the message may sound inappropriate create another way to say it but make it the leaders own words not created by others.
Succinct Message-No matter what position a person holds in the organization a short but sweet mantra for communicating must be practiced. A crisp delivery helps eliminate distractions, which there is plenty of in the workplace. Remember many people are vying for each other's time to complete personal and departmental agendas. This is reality and being able to deliver shorter messages lets people know the content is important.
Mix up communication mediums-Deliver messages at different times of the day. Effectively use verbal and nonverbal communication. Try and send e-mails, instant message people, and text if possible. Change agendas, meeting times and places. Praise and criticize equally. All of these things add variety to employee's days. It makes leaders less predictable and these different options will keep attention spans high.
Communication is a skill that can always be improved on as a leader. It is difficult to deliver an effective message to a diverse staff. Keep developing this talent and trying to discover effective means of communication. Good luck.
Posted by Christopher Wroblewski at 6:09 PM 4 comments:
Labels: communication, mediums, message, non verbal, scripting, verbal
Sunday, March 17, 2013
Leadership According to Mick!
I saw the attached link,clip when I watched the movie Rocky many years ago. Through the years this scene has always stuck out in my mind that it is relevant when speaking about leadership no matter the industry.
This will probably get leaders to chuckle sarcastically, doubting this message. How can a fictional character, Mickey Goldmill, send a message to business leaders? Listen to the whole clip before judging it and realize that there are some key topics of leadership he shares with Rocky that can be used in organizations today.
After Mickey small talks with Rocky he proceeds with his first lesson. Organizations absolutely need effective managers (leaders). The importance of good leadership is essential for a business to thrive. They set goals for employees and try to keep them focused on what's important for the business, and how they can achieve success. Leaders create a vision and then need the ability to be able to share this with a diverse group of people with unique talents, different values, and a variety of priorities and then buy into it.
About halfway through this clip Mickey suggests to Rocky about not drinking a beer before his fight. He then delivers a message to him explaining that he never had management to help protect him. His opponents were able to punch holes in his face and career because he lacked leadership. Mickey Goldmill then tries to persuade Rocky to allow him to lead him to be able to share his knowledge helping him avoid failure and allowing him to climb the rankings. Leadership does the same things in business. It guides us through effective communication and passing along key knowledge acquired. This shared knowledge will help guide people through the work day, maybe their personal lives, build networks, and help us career path properly to bigger and better jobs.
Rocky, like many of us, turns Mickey down saying management, leadership isn't needed. It would be a hindrance instead of being helpful. He was willing to go into his fight without guidance. Employees need to be responsible in finding the value effective leadership brings. They need to see that success is the goal for all not failure. The knowledge, experiences, and pain shared is the value provided.
So as Rocky proceeds with his tirade about management, leadership. Yelling at Mickey as he leaves, asking him if he wants to be present as he gets pummeled know that business leaders face the same dilemma. They want to guide, we just have to want to put our hands out collectively, like Rocky at the end, to shake our leaders hands and accept the mentoring provided
Posted by Christopher Wroblewski at 7:37 PM No comments:
Labels: career path, experience, knowledge, leadership, management, manager, Micky Goldmill, Rocky
Sunday, March 10, 2013
Detroit Leaders Need To Take Action!
I need to offer my two cents involving Detroit's situation regarding the Emergency Finance Manager. Let me start by letting you know that my own opinion about the EFM working in Detroit is still being shaped. I'm not entirely sure that the leaders involved in this situation are being completely honest. There have been articles written about Detroit's financial dire straits letting people know that in order for Detroit to be saved an EFM needs to be appointed. You then here about Mayor Dave Bing disagreeing with Governor Rick Snyder's feelings about the necessity of an EFM to rescue Detroit financially. The city council, meanwhile, is prepared to challenge the legality of the Governor's decision. Mayoral candidates feel an EFM isn't necessary and that Detroit can pull out its financial Armageddon on its own. All of these differences of opinions tells me that all parties involved, from the beginning, aren't acting like good leaders.
In my opinion all parties involved are acting in their own best interests. It seems that these leaders have forgotten who their inaction affects and that is the citizens of Detroit and of Michigan. Political leaders, too often, act to preserve votes, try to accomplish part of their own agenda created as they try to enter the political arena, or are just greedy believing that a fire sale of Detroit assets will be held and they will lose something or that this is a hostile takeover of the city. Everybody knows the best route Detroit should take but too often don't get the opinions of the people that matter, Detroiters and Michiganders!
So as I remember the articles telling readers the reason that Detroit shouldn't hire an EFM or the theories of how to pull Detroit out of economic ruin. I urge leaders of Detroit and Michigan to do one thing which is DO SOMETHING FOR GOODNESS SAKE! That's right please settle on a resolution, organize the resources that will allow a vision to be followed, and lets start to actually take action to make Detroit and Michigan better places. Too often over my four decades of life has nothing been done. Bickering, lawsuits, and sheer greed have gotten in the way of progress. Leaders have turned a blind eye to all of the conflict existing which often times results in bigger conflicts.
So please constructively settle the existing conflict, let's get over self-serving statements like Charles Pugh had last week by telling people that he doesn't want to work in City Council for free, let's get all of the available resources together and lets start to rebuild Detroit. Leaders need to get in sync with each other and actually act as partners instead of their own personal hedge funds looking out for themselves instead of its citizens. So whether Detroit partners with the state to offer services, or it becomes an innovative city by getting more Campbell-Ewalds to join Detroit, or it just downsizes by demolishing empty houses and buildings and developing farmland please do one of these and create a new mantra for Detroit. Over the course of a year I'd like to be able to write about how the leaders of Michigan became more organized and transformational in 2013 which helped all cities become a little better.
Posted by Christopher Wroblewski at 10:59 AM No comments:
Labels: conflict-resolution, Detroit, Emergency Finance Manager, Michigan, resolution, transformation
Sunday, March 3, 2013
Customer Service and Leadership
My working life has been about servicing the customer to retain their business indefinitely. I have been able to teach a customer service class, and have done enough good and bad regarding service to understand that providing it in an outstanding manner is showing leadership.
I think customer service and leadership aren't linked together enough because the people providing it may not hold a management position. This doesn't matter because no matter what providing great service is offering leadership and it is becoming a lost art.
Think about some of the skills needed to provide great customer service. Listening skills have to be done effectively to be able to converse with customers. Communication should be controlled leading your customer to the product or service desired in a timely manner but this has to be done in a personable, unrehearsed manner. This is very difficult to achieve in a fluent way especially because of the diversity a customer base makes up.
A customer service provider must treat their customer base ethically. The ability to gain control of values, priorities, and responsibilities is showing leadership qualities. Power becomes intoxicating and offering customer service is powerful. Customers have to trust enough so they can be guided towards what is being offered and influenced by people they don't know. Many times the exchange of money is involved and the quest to earn more can influence the type of customer service we provide.
Many times customer service is making sure your base is listened to, talked with, making sure they receive what is asked for, and to make sure all services and products are available at all times. Providing this is showing awesome leadership.
I think customer service and leadership aren't linked together enough because the people providing it may not hold a management position. This doesn't matter because no matter what providing great service is offering leadership and it is becoming a lost art.
Think about some of the skills needed to provide great customer service. Listening skills have to be done effectively to be able to converse with customers. Communication should be controlled leading your customer to the product or service desired in a timely manner but this has to be done in a personable, unrehearsed manner. This is very difficult to achieve in a fluent way especially because of the diversity a customer base makes up.
A customer service provider must treat their customer base ethically. The ability to gain control of values, priorities, and responsibilities is showing leadership qualities. Power becomes intoxicating and offering customer service is powerful. Customers have to trust enough so they can be guided towards what is being offered and influenced by people they don't know. Many times the exchange of money is involved and the quest to earn more can influence the type of customer service we provide.
Many times customer service is making sure your base is listened to, talked with, making sure they receive what is asked for, and to make sure all services and products are available at all times. Providing this is showing awesome leadership.
Posted by Christopher Wroblewski at 1:09 PM No comments:
Labels: communication skills., customer service, Ethics, Listening
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August 31, 2017, MILPITAS, CA – noHold, the acknowledged leader in web based self-service solutions, leverages its AI platform, SICURA QuickStart, to build bots (Albert) that can answer questions about Presidential Executive Orders. Now, regular citizens can understand the details of an Executive Order without having to read it in its entirety. Visit www.albertinthehouse.com to see Executive Orders transformed into bots from four different presidents.
Albert can answer questions like "What is the purpose of this order?" or "Does this order supersede any other order?" Using Natural Language Processing (NLP) and an Inference Engine (IE), Albert is able to identify the answer to your question on your own terms, eliminating the hassle of manually sifting through the entire document. This method allows people to feel confident they are getting objective facts straight from official documents.
This concept continues to validate that there is a place for Artificial Intelligence almost anywhere. "We felt it was our civic duty to take our expertise in Artificial Intelligence and use it to empower people with uncensored knowledge that can be used to benefit the country" said Diego Ventura, CEO of noHold. Click here to hear more from Diego in a vlog discussing these Virtual Assistants.
The process to turn an Executive Order into an Albert is straightforward. Anyone can do it.
These bots will soon be available on Amazon's Alexa, as well.
noHold is a privately held company established in 1999 and is headquartered in Milpitas, CA, USA (Silicon Valley). noHold is the acknowledged leader in Web based Self-service solutions with a mission to deliver real answers to real questions - real fast. Simple to use, easy to implement and as close to human as you can get, noHold turns automated customer support into cognitive customer interaction. noHold customers include Toshiba, Lenovo, Cisco and a host of industry leaders. More information can be found at www.nohold.com or subscribe to noHold's vlog to hear more from CEO, Diego Ventura.
Veronica Cech
Marketing Associate
408.946.9200 ext. 356
Powered by noHold Inc. Copyright© noHold Inc. 1999 - 2019. All other product and service names are the property of their respective owners. Privacy Policy | Security Statement


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Privacy Policy Summary
We knew before we got married we wanted to do things differently – here's why we chose to have an Independent Wedding Celebrant
Wedding are so expensive and it's important to consider whether the money your're spending is actually getting you everything you want for your big day. We knew for a long time before we got married that we wanted certain parts of our wedding to be different to what is considered 'the norm'. This included having an independent Wedding Celebrant performing the ceremony on the big day instead of a Vicar or a Registrar to give the day a more relaxed and informal feel.
The great thing about having an Independent Wedding Celebrant is that it meant that we could have our ceremony wherever we wanted – outside, on the beach, on mountain – the sky's the limit when there are no legalities to consider. It also meant we could say and do whatever we wanted during the ceremony – it could be religious, non religious, or a combination of anything we liked. We actually opted for some ancient pagan tradition
The legal bit
The only drawback to having an Independent Wedding Celebrant is that they can't legally marry people. To be legally married the ceremony has to be performed by a Vicar or a Registrar and it has to be inside a licensed structure, which is why many wedding venues have small arbors even if you are getting married outside (this is different in Scotland).
There are a few ways to get around this though. Having a Celebrant do the main part of the ceremony but also having a registrar present to tend to the legal side of things is one way. We chose to quietly do the registry office bit on our own a few days before what we considered to be our actual wedding day.
We chose the cheapest and most basic option for our registry office ceremony as we wanted to keep all the pomp and fuss for the actual 'big day' a few days later. This meant only being able to have two family members with us, no readings, just the legal necessities and nothing more. We didn't even exchange rings.
Now, I would like to point out at this stage that a few members of our family really struggled to get their heads around our choices. They felt that the registry office ceremony was the important bit and were upset not to be invited. We explained that we didn't consider it our wedding day, we wouldn't be dressing up and that having a celebrant do the ceremony as we wanted it a few days later was what was really important to us.
It can actually cost a huge amount to have a registrar to come out to your chosen venue or to get married in church. Having the cheap '2+2' ceremony in the registry office and then having a celebrant on the day actually saved us money. It also eradicates the need for a licensed premises to hold the ceremony at. If you've always dreamed of a relaxed backyard wedding or beach themed day this could be the perfect option for you while also saving loads of cash.
Related Post – five things that won't actually save you money on your wedding
The Main Event
To us, the legal bit was just a formality. The important bit was the promises we were making to each other in front of all our friends and family. The celebrant we chose is actually a regular in the pub we both work at so we already knew him well.
I love that when we got married, it was someone we consider a friend up there with us, performing the ceremony and helping us start our journey into married life.
The ceremony was written especially for us and included a beautiful hand holding ceremony;
'Fiona, would you please hold Pete's hands, palms up, so you can see the gift that they are to you. These are the hands that will work alongside yours, as you build your future together; These are the hands that will countless times wipe the tears from your eyes, tears of sorrow and tears of joy; These are the hands that will comfort you in illness and hold you when fear or grief engulfs your heart; These are the hands that when wrinkled and aged will still be reaching for yours, still giving you the same unspoken tenderness with just a touch'
We added some fun elements too such as 'jumping the broom' a tradition which we had wanted to include. We also singed a certificate provided by the celebrant to recreate a signing of the register photo opportunity for everyone.
Hand fasting Ceremony
Something else we wanted to include in our day was a hand fasting ceremony. This is another ancient tradition in which the couples hands are bound together with rope which is then tied in a special knot, never to be undone. We gathered everyone together and had this performed just before our first dance. Including it in the main ceremony earlier in the day would have made it very long and it was lovely for evening only guests to see part of a ceremony too.
David Parker – Independent Wedding Celebrant
The celebrant we used was David Parker of Somerset Ceremonies. While we already knew Dave prior to our wedding we could not fault his professionalism on the day. As well as providing us with an interesting and unique ceremony he also acted as a Toast master for the rest of day, announcing things like the first dance and our entrance to the room for dinner.
David will make the day as formal or informal as you would like and we cannot recommend him highly enough. As well as weddings David also does naming ceremonies, funerals and offers his services as a toastmaster for more formal events. He would also be a perfect choice for a vow renewal as there are no legalities are required. A couple that attended our wedding actually liked David's service so much they have booked him for their own wedding which we look forward to attending in the next few weeks. Having an independent celebrant gives you the freedom to have you ceremony exactly as you want it and we couldn't have asked for more on our special day.
Photographs by Adam Rumble Photography


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This was first experienced for me on my BlackBerry Torch 9800 with OS6 and the source of the problem is a conflict between Google Sync and BBM. The quickfix is to uninstall BBM and then reset your calendar sync and then reinstall BBM.
Here are the steps in detail:
- Backup your BBM contacts etc. and then remove BBM. In OS6 go to Options --> Device --> Application Management --> BlackBerry Messenger --> Delete
- Note: some users experienced difficulties deleting BlackBerry Messenger; in such cases first try to install the latest version available from the BlackBerry App World and then delete it from there; for some reason the default "core" installation bundled with the OS isn't removable.
- Consult http://brattex.blogspot.com/2011/05/blackops-that-google-calendar-syncing.html for initial steps and for methods to backup your calendar. You can skip the steps on deleting service books (i.e. do not do steps 3 and 5) but follow the rest.
- After you've run Google Sync and verified that it's all in your default calendar ... reinstall BBM.
I would be really interested to know if this solution worked for you so please feel free to leave a comment below or give this a thumbs up, +1, like, etc.


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SHL Indonesia Breakfast Meeting "Leaders Cafe" 2017
This year on 20th April, 18th May, and 27th July SHL Indonesia organized sharing session events called Leaders Cafe at SHL Indonesia Satellite Office, Jalan Senopati Raya no. 58, Jakarta. We invited nearly 20 companies to join these inspiring sessions. We shared knowledge, experience, and best practice in "Preparing Talent on Mid Year Review ", "How to Optimize The New Hire Through Online Assessment ", and "Betting on Agile Processes Than Agile People Regarding to Millenials Generation Dominations in Workplace ". Those three topics aimed to answer perplexity around human resources. A half day session which enlighten the participants who joined.
What the participants say about SHL Indonesia Leaders Cafe:
" Good Event!"
"Make this event more routine"
"Looking forward for more sharing sessions"
"Good job! Keep it up"
<We would like to say thank you to all participants who represent their company and joined this event from J Resources Nusantara, Indosat Ooredoo, Wijaya Karya, Bukit Makmur Mandiri Utama, Lion Super Indo, Perusahaan Gas Negara, Delamibrands, Sinarmas Land, Husky CNOOC Madura Limited, Pemeringkat Efek Indonesia, Kalbe Group, Medco E&P Indonesia, Astari Niagara Internasional, Domino′s Pizza, Orica Mining Services, Kaltim Nitrate Indonesia, Bank Central Asia, Danone Indonesia, and Beiersdorf Indonesia.


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Every couple of weeks I get the pleasure of putting together the CJIS ACE Newsletter for you where I try to impart insight, tips and general knowledge on various aspects of the seemingly endless CJIS policies. But…..
Did you ever wonder, "How did they come up with this policy?" or "Why do they require this?"
To help answer these questions, I pose a question to you – Do you know how CJIS policies are made?
Yes? Somewhat? Maybe? Not really?
If you answered anything but "Yes, I totally understand how CJIS policies are made," then this and the next newsletter will help shed some light on the "Process" and illustrate how the policies I write about are made.
First thing to know is that, as contributors and users of the systems, the CJIS policies are YOUR policies and are created as a result of a "shared management concept," known as the CJIS Advisory Process.
The CJIS Advisory Process was established by FBI Director Louis J. Freeh in 1994 and replaced the former NCIC Advisory Process (1969-1994).
The philosophy of shared management is one that the FBI along with federal, state, local and tribal data providers and users share responsibility for the management and operation of all FBI systems that benefit the criminal justice community.
Currently, the FBI administers the following programs that fall under this philosophy:
Next Generation Identification (NGI)
Law Enforcement National Data Exchange (N-DEx)
Law Enforcement Online (LEO)
National Instant Criminal Background Check System (NICS)
The criminal justice community, all of you, has the ability to provide advice and guidance on how these systems are operated and managed. How, you ask?
Enter the CJIS Advisory Board (APB).
The APB is responsible for reviewing policy, technical and operational issues related to CJIS Division programs listed above. It meets minimally twice yearly.
After review, the APB makes recommendations to the Director of the FBI for final approval.
Composition of the APB
The APB is made up of 34 representatives from criminal justice agencies and national security agencies and organizations throughout the United States. Membership consists of:
20 members: selected by the members of the four regional Working Groups (3 state-level and 2 local-level agency representatives are recommended). These members must be chief executives or at the policy-making level of their respective agencies. As a previous member of the APB, this is how I was selected to serve.
5 members: selected by the Director of the FBI, one member each, representing the prosecutorial, judicial and correctional sectors of the criminal justice community, a national security agency, and a tribal community representative.
8 members: selected by each of the following criminal justice professional associations to represent their respective associations: American Probation and Parole Association; International Association of Chiefs of Police; Major Cities Chiefs' Association; Major County Sheriffs' Association; National District Attorney's Association; National Sheriffs' Association; American Society of Crime Laboratory Directors and a representative from the courts or courts administrators selected by the Conference of Chief Justices.
1 member: the Chair of the Federal Working Group.
There you have it – the CJIS Advisory Policy Board!
But that's not it. There's an awful lot of work that needs to get done, so the APB gets some help from the Working Groups and the Ad Hoc Subcommittees.
Let's briefly look into what their roles are and who participates.
Working Groups
The Working Groups review operational, policy, and technical issues related to CJIS Division programs and policies and make recommendations to the APB or to one of its subcommittees.
The Working Groups often send topics to an an-hoc subcommittee for subject matter expert review and recommendation prior to sending it to the full APB.
All fifty states, as well as U.S. territories and the Royal Canadian Mounted Police are organized into five Working Groups, four regional and one federal, as follows:
– North Central
Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin
– Northeastern
Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Royal Canadian Mounted Police
– Southern
Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, Commonwealth of Puerto Rico, South Carolina, Tennessee, U.S. Virgin Islands, Virginia, West Virginia
– Western
Alaska, Arizona, California, Colorado, Guam, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Texas, Utah, Washington, Wyoming
– Federal
Federal agencies that participate in CJIS Division programs form a Federal Working Group. This Working Group is comprised of representatives from any federal agency that participates in any of the CJIS Division programs and includes one tribal law enforcement representative chosen by the U.S. Department of Interior.
The four regional Working Groups are composed of one state-level agency representative, one local-level agency representative from each state, and one tribal law enforcement representative from each region.
In addition, the FBI Director, at his or her discretion, may designate one additional representative to each of the five Working Groups.
The state-level representative is selected by the administrator of each state's CJIS Systems Agency. (A CSA is a criminal justice agency that has overall responsibility for the administration and usage of the CJIS Division programs within a state, district, territory, or foreign country. This includes any federal agency that meets the definition and provides services to other federal agencies and/or whose users reside in multiple states or territories.) There will be no more than one CSA per state, district, territory, or foreign country.
Ad- Hoc Subcommittees
Ad Hoc Subcommittees can be created by the Designated Federal Officer (DFO). The DFO is an FBI employee appointed by the FBI Director serving as a management officer, in consultation with the Chairperson of the APB, with FBI approval, and in accordance with applicable law to assist the APB in their duties.
Ad-hoc subcommittees members are subject matter experts in the specific domain of their assigned ad-hoc subcommittee. Because of their expertise, they are able to delve deeply and thoroughly review controversial policies, issues and program changes.
They formulate alternatives and recommendations for the consideration of the entire APB.
The ad-hoc subcommittees generally receive requests for topic review and direction from the APB or Working Groups. If an ad-hoc subcommittee generates a new topic it is often referred back to the Working Groups for review prior to being presented to the APB.
There are currently nine ad hoc subcommittees:
– By-Laws Ad Hoc Subcommittee
– Crisis Management Ad Hoc Subcommittee
– Identification Services Ad Hoc Subcommittee
– N-DEx Ad Hoc Subcommittee
– NCIC Ad Hoc Subcommittee
– Executive Ad Hoc Subcommittee
– Compliance Evaluation Ad Hoc Subcommittee
– Security and Access Subcommittee Ad Hoc (I was both a Member and Chairman of this ad hoc subcommittee)
– UCR Ad Hoc Subcommittee
Each subcommittee is composed of criminal justice representatives in various policy-making, operational and/or technical roles. These representatives can be subject matter experts in specific criminal justice and/or support-related fields.
Now that you know who make up the APB, the Working Groups and Ad Hoc Subcommittees, next time we'll talk about how a policy is made, from start to finish.
For those of you who may have watched Saturday morning cartoons from 1973-1985 (I did), you may remember Schoolhouse Rock's "I'm Just a Bill." "Bill" will be back, CJIS-style, to help illustrate how CJIS policies are established.
The CJIS Security Policy can be confusing with respect to what agreements are needed when. We know this is true because the lack of properly executed Management Control Agreements and CJIS Security Addenda are always top compliance issues found during FBI and State audits.
The CJIS ACE team can help you and your agency navigate this and any CJIS-related policy or compliance issue. To further discuss how we can help, drop me a line at: firstname.lastname@example.com or give me a call at 850-778-3207.
Until next time, be safe.
e: email@example.com
o: 850-778-3207
w: www.diversecomputing.com/
Were you forwarded this newsletter and find the content useful? Then please take a few seconds and subscribe to our newsletter.
CJIS ACE is a division at DCI that helps law enforcement agencies comply with the FBI CJIS Security Policy and NCIC requirements. CJIS ACE services are designed to help you be pro-active in strengthening your agency's information security profile and comply with any other security policies that may be required (e.g. a State or County IT Security Policy). CJIS ACE brings real-world experience at the ready to assist your agency's personnel in navigating the daunting and complicated path through audits and information security policy compliance.
Let us deal with your audit and compliance hassles…
You already have enough to worry about.


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But more interestingly, our students have arrived or are returning. Our new intake seems to be a sparky bunch and we've covered a lot of ground early on - 2 weeks in and already developing B&W film + printing in the darkroom, working in the studio and analysing images.
We also had some interesting takes on an early introductory mini assignment - a couple of examples below.
Generally we were impressed with the level of engagement and creativity from our new intake - we have the makings of a really good year.


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Shannon Harvey's Buyers Club
Want to know about a listing before it hits the market and get a pro to help you buy? Join my VIP club to get exclusive access to off market opportunities. Limited to specific clients, contact below to enquire.
Yes please! Help me find the home of my dreams


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Man Gets Vasectomy After 9th Child – Then He Has 11 More Children With The Same Woman
Twenty children. Sue and Noel Radford of Morecambe, Lancashire have 20 children.
But they swear that Charlie, who Sue gave birth to in September, is their last one.
"We set out to maybe have three children but enjoyed having the kids around so just carried on," Sue told The Sun. "We're addicted to having all these kids. We Just love it."
Perhaps their desire to have a large family comes from the fact they grew up without theirs. Both Sue and Noel were given up for adoption at birth. The two became friends as teenagers and started dating at the age of 13.
Sue got pregnant and gave birth to her first child at the age of 14. Noel was 18 at the time. They got married three years after that.
Sue eventually had 11 boys, one who was born stillborn, and nine girls.
"We're happy to be finishing on a nice even number," Sue told the Mirror. "I'm just chuffed he is here safe and sound. It's strange knowing you're not going to have any more. Our daughter Chloe said: 'I believe you now.' I don't think she has before, but because I've said (this is the last) a few times now she does."
Their clan includes 3-month-old Archie, Chris, 28, Sophie, 23, Chloe, 22, Jack, 20, Daniel, 18, Luke and Millie 16, Katie, 14, James, 13, Ellie, 12, Aimee, 11, Josh, 10, Max, eight, Tillie, seven, Oscar, five, Casper, four, Hallie, two, and Phoebe who is 16-months-old.
"I think I just thrive off it, my body just seems to ping back to normal afterwards," Sue told the Daily Mail. "The main thing is running around after them helped me get back into shape quite quickly.'
Noel actually had a vasectomy after their ninth child but ended up getting it reversed because they wanted to have more children.
The family lives in a large $300,000 Victorian house and spends about $400 a week on groceries. The Radfords consume 19 pints of milk, three liters of juice, and three boxes of cereal each day. They set aside about $135 for their children's birthday presents and about $135 to $270 for Christmas.
Parenting Isn't Easy
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The Radfords, who were the subject of the TV show "16 Kids and Counting", also go on an annual vacation. They also rely on their older children to help out with their younger children.
"I have to help out a lot," said 11-year-old Amy. "It's stressful."
People often compliment how well behaved the children are which is miraculous because there are so many of them.
Please SHARE this with your friends and family.
Source: Daily Mail,parentingisnteasy
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Hoke has 64% approval rating among U-M fans
Hoke has 64% approval rating among U-M fans
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- Among Michigan fans, 64 percent approve of the job Brady Hoke is doing. Six percent disapprove, while 29 percent are unsure.
- Among Michigan fans, 26 percent have a positive opinion of Rich Rodriguez, versus 32 percent who have an unfavorable opinion. Forty-two percent are unsure.
- Among Michigan fans, 39 percent approve of the way John Beilein is doing his job; eight percent disapprove, while 53 percent are unsure.
- Sparty fans approve of D'Antonio along similar lines as Hoke, 68-4-28. They approve of Izzo even more strongly, 78-3-19.
- Within the state as a whole, 37 percent of Michiganders consider themselves Michigan fans, versus 31 percent who root for Sparty. Thirty-two percent consider themselves a fan of neither.
- Voters for Obama in 2008 are slightly more inclined to favor Michigan. Of Obama voters, 40 percent favor Michigan, 27 percent favor Sparty. Of McCain voters, Michigan still leads, at 35 percent, followed by Sparty at 34 percent. (Corrects 53 to 35 for McCain)


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McDonald Olympic Run 2008
Date: 29 June 2008
Time: 7.40am
Distances: 7km and 3km (Iylia je)
Runners: The Sanusi anak beranak laki bini, technical boys (Haizan, Hasif) and of course The Thing.
My first race after my wedding. I missed quite a lot of races since Bernama TV went 24 hours since 28 Feb. That plus pre and post wedding, I gain about 5 kgs and my speed went yuck.
So for today's race I took it slow, like I ran for the very first time. And for the very first time too, I'm running with my hubby and he'd slowed down his pace so we could run together, hahahah. Thank you babe.
What can I say about today's race? It is only 7km, same ole route, quite a few of hills and surprisingly there was a water station. I did not expect that at all.
Oh yes, there was this girl, category F, she kept pacing with me. I do not mind actually, tapi kalau ye pun nak pacing, jangan la rapat sangat. I got very irritated with the bumping and gesel-ing so I slowed down to a stage where she would think I was slowing down to walk. As soon as she started walking, I continue running. And I kept doing that for a few times, towards the end I think she just gave up. Hahahah, padan ngan muka dia.
Everybody went ahead of me, except for Alang. His daughter Sarah also running, so Alang has to be the caddy, bawak air, kain tuala, first aid, duit teksi .... Bagus la Alang.
At the square, as usual ada Milo and then there were also Ribena, Vitagen. I was expecting Cheese Burger or Beef Burger, but unfortunately takde. Apara, kata McDonald... tapi takde those things, tak mcdonald la.
Well that's it for this race. Next week, Siemens run 10k. Hmmmm.... With extra baggage in my butt and thight, not to mention my not-that-keras-anymore muscle kaki, could I still do it? We shall see.
By Suriati Sanusi


text:
Brand Label: Tufi Duek
55% ITEM DISCOUNT AT FARFETCH US! WAS Pin It
Grey tailored trousers from Tufi Duek featuring a high waist, a waistband, creases and a button and zip fly.
Shop other brand label items from Tufi Duek on FashionStylist.com.
This item was published for sale online by Farfetch US on March 28, 2018 12:02 pm and last updated by us October 12, 2018 7:27 pm.
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Description from manager
Description from manager
1 Shower
Reflecting its up-and-coming location, this funky attic apartment in Madrid's city centre mixes up colourful madrileño style with modern design.
In true attic character, the sloping ceilings, roof beams and skylights give the apartment plenty of light and charm, with high-tech fittings and cosy furnishings to complete the look. A fire place has been installed and it will give the flat and incredible touch of romanticism.
With its own little balconette overlooking the barrio, the attic maintains a unique appeal in Madrid culture, atmosphere and an easy-to-explore setting.
License number VT-0014
LONG STAY RATE (more than 28 days) . only 2 people allowed
More Property Details
Book this 1 bedroom apartment in Madrid today! A total of 4 people can sleep here comfortably.
Travelers are sharing their opinions on this property. It has an overall rating of 4.5/5 thanks to an average of 40 reviews.
The manager responds to 85% of inquiries and last updated the property's calendar Jan 18, 2019.
Read more Read less
About the manager
About the manager
- Response rate:
- 85%
- Calendar last updated:
- 18 Jan 2019
- Overall rating:
Languages spoken: English, French, Spanish
- Check in time:15:00, Check out time:11:00
- If you have any questions about check-in or check-out times, please contact the owner/manager.
- Payment
- This rental can only be paid for online through FlipKey using your credit/debit card or PayPal (never by bank or wire transfer).
- Smoking
- Please contact the owner
- Cancellation policy
View Policy
Proximity to TripAdvisor's Top Madrid-city Attractions
- Air conditioning
- Clothes dryer
- Fireplace
- Iron
- Washing machine
Phone / Internet
- Internet access
- Dishwasher
- Freezer
- Fridge
- Microwave
- Stove
- Toaster
- Children
- Pets
- Smoking - Ask
- 1 Shower
Reviews (40)
– based on 40 reviews
Very Good
40 reviews
- Excellent
- 29
- Very Good
- 11
- Average
- 0
- Poor
- 0
- Terrible
- 0
"Really good!"
Very nice place, clsoe to the center, clean and well equipped. Just few steps to climb, but no problem ...
"fantastic apartment"
The apartment is furnished with everything.Very very clean and nice.
"Gran apartamento"
Es un apartamento hecho con mucho gusto y multitud de detalles que hacen la estancia insuperable.Hay que saber que es un cuarto sin ascensor y que esta muy bien ubicado en el centro de la ciudad , dentro de un barrio con multitud de culturas que puede asustar en un principio , pero que enseguida vas con toda confianza por el barrio. Barrio lleno de vida nocturna y multitud de opciones a la hora de comer y cenar. Tan solo sugerimos un aislamiento lumínico mas efectivo sobretodo en la habitación . En definitiva , un magnifico apartamento .
"lovely stay in Madrid"
We had a wonderfull weekend in Madrid. The appartment is on the fouth floor is spaceous, very clean, airco, televions, you name it is there. The appartment is in walking distance of the tourists sites but in the neighbourhood you can enjoy the local costums,food and drinks. Nuria and armando are very helpfull in case you have anay question.
"Fabulous flat in great location, be ready for the stairs though!"
This flat couldnt be better in terms of its location, layout and equipment. It had coffee sugar tea etc, only had to buy milk and food at the supermarket three minutes walk away. We stayed three nights and saw The Thyssen, Prado, Palacio Real, Reina Sofia, Mercado San Miguel and the Sunday market and never had to get a cab or tube, this place is within a kilometer (half mile) of everything we wanted to see. Brilliant, will return!
"We really felt at home"
We are a Canadian couple who stayed here for our honeymoon. It was great. We basically made ourselves at home in Madrid for two weeks, staying the entire time here. We really felt comfortable, safe and content here. At the end of each day it really was like coming home. This place had all the amenities we needed, right down to kitchen materials like coffee and cooking oil, DVD movies (watch the almodovar box set and you'll feel Spain that much more!) and sheets with tips on what to do in town. It was conveniently located close to most of the major tourist areas, well within walking distance of the Plaza Mayor and good restaurants along the Calle de Cava Baja strip. Lots of other good restaurants and stores nearby, and close to metro stations and grocery stores. Be warned there is no elevator, so you'll have to walk up 85 stairs (we counted :) ) every time, but that's ok as long as you're not old or fat. Lol. The place was very clean, very modern, well furnished, and cozy, with enough little fun touches to feel homey. There was laundry, a full kitchen, and air conditioning, which was huge since it was 35C when we were there some days. The one major complaint we had was that the guy who was supposed to be there to let us in upon check-in was late. This left us stranded outside a locked apartment block in the street in an entirely new city for us, with our bags, at dusk. And after travelling for 20 hours. We were not impressed and slightly worried at first. The guy did show up after about 15 minutes, but it was 15 fairly uncomfortable minutes. Plus he didn't speak anything but Spanish, so it was a good thing one of us knew enough Spanish to be shown how to use the dishwasher, washing machine, etc. He was a nice guy though, in the end. All in all though, that was our only complaint. We really, really enjoyed this place and would definitely recommend it to anyone.
Response from the manager Samantha your plane landed 45 minutes before schedule, not so usual. We do check times, but not used to such early landing, I think you should have guessed that was the reason. In fact you arrived 15 minutes before the time you said you would arrive. Also, instead of calling, you sent an email saying you were there. I am quite fast with email, in fact I was fast, but I dont read email every second. You have instructions for eveything in English all through the apartment and you can call me or email me for free from the apartment. It couldnt be easier, If there was a way to give you the keys directly as I have managed to do in other apartments, you would not really need anyone to explain. In this apartment we prefer to do a proper check in to help with luggage, even though it should not be a suprise the lack of elevator as it is explained on the website, and mentioned in almost all comments.
"Wonderful location!!"
Has been a pleasure to deal with Nuria, she was really helpful and very professional. The apartment was probably the best fully equipped i ever seen, clean and in a remarkeable location. Only draw back, are the stairs (4th floor) but apart of this, you are literally 5 minutes away from Plaza Mayor or Puerta del Sol.. The area is well serviced and i can't say anything less that i truly recommend it!! Leonardo
"Wonderful apartments"
My family and i rented this apartment togethr with the third floor apartment during our stay in madrid and both apartments were wonderful. Fully recommended!
"Attic apartment in Madrid"
The location of this apartment makes is perfect for exploring the city. There are two Metro stations within 5 mins walk and you can also walk to most attractions. The apartment is very comfortable and really well equipped, including access to the internet, the owners have thought about everything one might need. Highly recommended.
"Was just what we were looking for and would definitely return!"
"The apt was wonderful. It was clean and very well equipped with all the basics and many extras, more than I expected. The location was great. It was central to main supermarkets and stores, 3 metro stations, and within walking distance to major sites of interest. Nuria was particularly, helpful, patient and accommodating. Anything additional we needed were immediately taken care of."
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1.STATE V-Neck Bubble Sleeve Sweater
Item Information
- 1. STATE Tops Size Chart
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- Craft the perfect weekend look with this 1.STATE™ V-Neck Bubble Sleeve Sweater.
- Sweater flaunts a cozy knit on a flared silhouette.
- V-neckline.
- Long bubble sleeves.
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1.STATE V-Neck Bubble Sleeve Sweater
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If, for any reason, you are unsatisfied with your purchase from Zappos Retail, Inc. you may return it in its original condition within 365 days for a refund. We'll even pay for return shipping!


text:
Ever wonder what it was like to be colorblind? Color + design blog has an interesting article (complete with pictures like this Warhol here) of what 7% of men and 0.4% of women in the US and elsewhere see every day.
That being said, I like the color palette of the color blind. I may even do a piece of art with it.
Red? What's Red?
Thursday, August 7, 2008 at 3:33 PM | Posted by Rococo Cocoa is Joe
Posted In BlogNation, Brainstorming | |
1 Responses to Red? What's Red?
penny stock guide Says:Posted on August 7, 2008 at 3:59 PM
very nice! hahahahaha
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Description: 1 online resource
ISBN/ISSN: 9781625672094 (electronic bk.), 1625672098 (electronic bk.),
Language: English
Candace Cameron Bure, Lexa Doig, Robin Dunne, Peter Benson, Miranda Frigon, Bruce Dawson, Seann Gallagher, Marilu Henner
Aurora Teagarden, small town librarian and true crime buff, is looking forward to the monthly meeting of the Real Murders Society, a group of fellow crime enthusiasts who share a unique interest in historical murders. The Society meetings are the highlight of Roe's social life in sleepy Lawrenceville, Georgia, and she's ready for a quiet night of discussion, coffee, and cookies. But after she finds the body of a Society member in a staged crime scene eerily similar to the one the group was supposed to discuss that very night, Roe finds herself at the center of a murderous story of her own. As the killer strikes again, it's obvious that members of the Real Murders Society have become targets of a knowledgeable copycat. With the help of handsome police detective Arthur Smith and the town's dashing new resident, mystery novelist Robin Crusoe, it's up to Roe to discover if the murderer is one of the group's own and to piece the perplexing puzzle together before another body appears. From #1 New York Times bestselling author Charlaine Harris, this first book in the Aurora Teagarden mystery series combines the excitement of solving the crime and the charm of Southern hospitality. Real Murders, A Bone to Pick, Three Bedrooms, One Corpse and the rest of the Aurora Teagarden mysteries have been adapted into film for Hallmark Movies & Mysteries
Mode of access: World Wide WebRelated Searches:
Teagarden, Aurora Roe (Fictitious character) -- Fiction
Women librarians -- Fiction
DVD-Video discs
Electronic books
Georgia -- Fiction
Downloadable eBooks
Added--201609 hpla
Additional Credits:
Booth, Teena, screenwriter
Wood, Brian, director
Cameron-Bure, Candace, 1976- actor
Doig, Lexa, 1973- actor
Benson, Peter, 1943-2018. actor
Henner, Marilu, actor
Harris, Charlaine.
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Teagarden, Aurora Roe (Fictitious character) -- Fiction
Women librarians -- Fiction
DVD-Video discs
Electronic books
Georgia -- Fiction
Downloadable eBooks
Added--201609 hpla
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One of the most common memories I have of my dad is when he would be doing improvement or repair and I would be hanging around aimlessly and ask questions. Like we are in the basement and he is working on something and I hear water going through this big pipe along the ceiling joists and I ask "Daddy, what's that pipe for?" His answer would ALWAYS be "To make little girls ask questions." Damn, damn, damn, I certainly did HATE that. Even though the books were not written yet about such things, I was pretty sure that if you had a kid inquisitive enough to ask such questions you should encourage the curiosity by providing a good and cheerful and honest answer. Yet, I am pretty sure I phrased those questions such that he could use the easy canned answer. For example, instead of saying "Where does that pipe come from?" or "What does that pipe do?", I would remember to ask what it was "for". "What's that hole in the floor with the motor over it for?" I would ask about the sump pump. "What is that tool for?" I would ask of the big wrench with the screwy adjustment. "What is that wire in the wall for?" Or he would be reloading shells and "What's that part for?" Or he'd be tinkering with some engine: "What's that belt for?"
And so we would play the game. I would ask using the right phrasing, he would answer with a great big grin, I would get a little annoyed, I would keep asking only maybe in different ways, now that I had afforded him the privilege of the annoying jokey family-traditional answer, and after a few rounds, the number depending on his project deadline and frustration level, he would put down his project and give me a damn good and thorough answer. Lead me to the spot under the kitchen where the pipe came down from the sink and lead me around to where it turned the inside corner with the basement wall and explain how that sharp ninety degree turn shoulda been a couple more gentler turns because egg shells from the garbage disposal get stuck there and lead me to where the pipe goes under the stairs and along to the point where I had noticed it and asked and along further to where it joins a larger pipe that goes out the basement wall and into the septic tank. Or regarding the sump pump, he might take the flat lid off so I can see down the hole and run the shower next to it and show me how the float rises and eventually triggers a switch that turns on the pump that pumps the water to the big pipe to the septic tank. Yeah, I had a pretty good understanding of the bowels of a house and the workings of a farm shop and the mechanics of some farm machinery and how to load shells and how a watch worked and how a car was put together and an odd and varied assortment of how things worked and what was inside things and what caused what to happen by the time I was old enough to not think it was cool to hang out and watch my daddy do stuff.
And sometimes even, when my kids were little, I'd take a crack, just once in a while, at answering their questions with "To make little boys ask questions" though I didn't have the heart to carry on quite as long as he did, and I had all that book learning about fostering curiosity and all. Daddy, I miss you. Thanks for all the 'splainin' you did. Even if I had to put up with the "joke".
Sunday, June 21, 2009
Questions for Daddy
Labels: cliches, family, grief, heroes, philosophy, remembering
1 comment:
I remember that.. & my Daddy's phrase to my what's that for, was... So for to make kitten britches.. Wanna buy a pair? I do so miss my Dad too!
- June 26, 2009 at 11:12 PM
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text:
Lecithin is part of every living cell in the body, especially in the brain and liver. Lecithin is also part of the glandular system and is required in the tissues and the muscles of the heart and kidneys.
Lecithin is made up from a mixture of substances that are collectively known as phospholipids. They consist of the essential fatty acids, phosphorus and the B complex vitamins choline and inositol. Research has shown that, with mentally impaired people, the brain lecithin content is often as low as 19%. With mentally stable people, the brain lecithin content is 28%.
Lecithin is vital for the prevention of nervous breakdowns in combination with the B complex vitamins and magnesium. During times of stress, lecithin within the body is used rapidly. If it is not replaced through the diet, fatigue, irritation and mental confusion may develop.
IS LECITHIN REALLY THAT IMPORTANT? Photo Gallery
Lecithin is termed 'nature's tranquilliser'. The majority of processed, refined and takeaway foods have no lecithin content, are loaded with cholesterol and often have a high glycemic index.
Protect your body, nervous system and brain for 'goodness sakes', with a little lecithin every few days!
Some margarines have added lecithin that's one positive thing about margarine but they still contain those nasty trans fatty acids. Keep a lid on things, feed your brain with lecithin! Lecithin granules are available at most supermarkets and health stores. Lecithin can be added to soups, gravy, bread, muffins, omelettes or scrambled eggs.
NOTE: d.v. refers to the daily value for women 25-50 years, refer to RDI chart for adult male and child values.
Try a 'pinch' to start and then obtain a regular pinch every few days. Your brain will regain, your blood cholesterol will naturally level, your nerves will not be disturbed and your health will be better than wealth.


text: ďťż Janica KosteliĐś - Sluzbene Internet stranice - Official Website christian drug rehabilitation ritalin online vivid herbal ev ilaçlarÄą kolit 18/01/2019 - 11:41 Zagreb (CRO), 05.11.2003.Janica: No need for concern for my health "Every fifth Croat is probably experiencing thyroid problems so I really don't see any reason for panic or concern for my health or my life" said Janica Kostelic during the press conference held today in hotel Opera in Zagreb. Janica Kostelic admitted to feeling weak lately, as well as having increased pulse and being tired which prevented her from practicing 100%, but also said that talks about ending her career are absurd and that she will begin her trainings on snow soon.The whole Kostelic family and Croatian Ski Federation think that Janica should consult a larger group of specialists from Croatia and abroad like she did for her knee surgeries. Of course nobody will force Janica to ski until she is fully recovered. After the Kostelic family consults more doctors and specialists they will be able to inform the public with more detail about her health. Croatian Ski Federation thinks the situation is not as serious as was insinuated in certain Croatian daily newspaper. Janica is receiveing treatment and will continue to do so until she is ready for new physical activities. Copyright © CroSki / Hrvatski skijaški savez 2002-2014 | Textual editing by Skijanje.hr


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The Law Of Attraction And
Manifesting Your Dreams
Have you ever noticed that when you're feeling stressed or irritated, bad things seem to keep happening?
Or that when you're in a good mood, the world seems to go your way?
These "coincidences" happen because our world follows the law of attraction — we attract whatever we imagine, good or bad.
And that includes the things that we're not actively aware of, like our hidden beliefs. Our beliefs are so powerful that they can alter our gene expression and day-to-day lives.
But that also means you can harness the beauty and power of your mind, and manifest all of your dreams.
In this truly inspiring video, the founder of "Notes from the Universe," Mike Dooley, shares the secret behind surpassing your goals and living a more extraordinary life than what you can imagine now.
He explains:
- Why you live in a dream world
- How to use your brain to manifest anything
- Why there are no coincidences
- Why your life is guaranteed for greatness
- How to lead the life you want to live.
Watch this video to learn how to manifest your dreams.
If this content resonated with you, join Christie Marie Sheldon in her wildly popular Masterclass, Unblock Your Abundance. Learn how abundance blocks are holding you back and how to overcome them: Book your spot here.
How did this video resonate with you? Are you aware of the law of attraction? Share your thoughts with us below.


text:
Shooting at Chappelle Block Party venue
A man was shot at Gates and Downing, the exact place where Block Party took place. The NY Times has the briefing here.
We rode by on our bikes a few weeks ago and just a few blocks away, you'd do well to be careful where you tread (pun intended). As the bike partner pedaled thru on the $1000 mountain bike, our partner was confronted by a litany of expletives, ie. What the fuck are you doing, bitch?


text:
காதலி முதற்றே உலகு.
காதலி சொல்மிக்க மந்திரமில்லை.
காதல் செய்து பார்.
உண்மைக்காதல் சுடுகாடு வரை.
தந்தைச்சொத்து அழிவது உறுதி.
காதலி அமைவது அவன்பாவச்செயல்.
காசுக்கரியாகும் வழி எனக்கொள்.
ஆறாதே காதலிச்சுட்ட வடு.
சொரிஞ்ச பின்னரே எரியும்.
I am so clever that sometimes I don't understand a single word of what I am saying... FR33KiLL's BL0G
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text:
This content has been marked as final. Show 2 replies
Re: Charge to bill for cash outsjerrifecatalan Mar 13, 2015 8:03 AM (in response to csdioquino)
Hi csdioquino
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Re: Charge to bill for cash outslancelot12 Mar 13, 2015 10:37 AM (in response to csdioquino)
Charge to bill promo ends last January 31, 2015. Another option is to charge the cash out to credit card.
Here's the credit card list that accept 3, 6, 9, 12, 18, and 24 months 0% interest.
· BPI · Citibank · EastWest Bank · Metrobank/PS Bank · PNB · Bankard · Security Bank/Diners Club · Unionbank · HSBC