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Common ticks in Southern California
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Ticks are little guys with big problems. Many species of ticks reside throughout California however the three most common ticks are distant cousins in the Ixodes family that includes, Ixodes Pacificus (Western Black Legged Tick), Dermacentor variabilis (American Wood Tick) andDermacentor occidentalis (Pacific Coast Tick). These ticks are found in moist coastal regions, the Sierra foothills and central valley.
Ticks scout out their hosts by crawling up vegetation near a trail and wait with arms extended on a well-placed grass stem or leaf. When an unintentional animal or human passes by, they climb onto them. Once onboard, ticks literally dig in to the host's using their needle like mouthparts to puncture the skin and obtain a blood meal.
Although some ticks can cause an intense inflammatory reaction, the tick itself does not cause the severe illnesses associated with ticks. Bacteria living within the tick's gut are transmitted to the host when the tick draws blood. These bacteria are responsible for debilitating illnesses such as Lyme disease,Tularemia and Rickettsia.
Ixodes Pacificus commonly known as the Western Black Legged Tick is widely distributed in hardwood forests, woodlands within the leaf litter and open habitats such as grasslands. This tick has a lifecycle and appearance typical of ticks in the Ixodes family. The tick has four life stages, egg, nymph, larvae and adult, of which nymphs and adults are capable of transmitting disease. Nymphs look like a poppy seed with four legs and a translucent belly. Unfed adult females are 0.12 inches long with eight legs and a dark brown plate covering a light reddish back. Feeding ticks can expand up to 150% of their body size. This tick is best known for harboring the corkscrewed bacterium, Borrelia burgorferi responsible for Lyme disease. Colorado tick fever, Q fever and tularemia are also associated but less likely.
Dermacentor occidentalis also known as the Pacific Coast Tick is distributed throughout California. These ticks harbor the bacterium Rickettsia rickets the disease causing agent of Rocky Mountain Spotted Fever. Tularemia, Colorado Tick Fever and the newly discovered 364D Rickettsiosis are equally associated with D.occidentalis.
Dermacentor variabilis, known as the American Wood Tick, is widespread in the US, Canada and Mexico. Notorious hotspots in California are the Coastal areas, Eastern Sierra range and central valley. These ticks carry Anaplasma phagocytophilum and Ehrlichia chaffeensis- causative agents of ehrlichiosis.
Rhipicephalus sanguineus also known as the Brown Dog Tick, is unique in that it can complete its entire lifecycle indoors using dogs as it's preferred host. These ticks are disease vectors forEhrlichia canis and Babesia canis.
If you or your pet is bitten by a tick- remove it immediately. Ixodes Pacificus transmits its bacterial friend, B.burgdorferi after two days of feeding whereas other tick-borne agents can be transmitted within the first day. Ticks are best removed with tweezers or a tick key, but fingers (no squashing!) can also work. Remove the tick by pulling steadily and straight-out, being sure to remove the mouthpiece. Applying alcohol, fingernail polish, petroleum jelly or heat from a lighted match is basically ineffective. However be sure to clean and disinfect the puncture wound. It is also a good idea to contact your physician or veterinarian. Resist the urge to smash the tick so it can be identified and tested for tick borne agents.
If you or your pet begin to display signs of illness such as lethargy, joint pain, rash or enlarged lymph nodes- see your doctor or veterinarian immediately. Untreated tick associated diseases have the potential to damage your heart, vision, respiratory system and mental acuity.


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When men really think of Sarah Palin.
Amid all the bluster about "foreign policy experience" and "abstinence-only education," there's been one meme missing. Thankfully, the UK's Daily Mail picks up the slack by asking: Would your guy bone Sarah Palin?
Even if your feminist bone is the size of your pinky finger, it's hard not to be offended by such sexist drivel as this:
First, there's Palin the saucepot. Despite having a voice like nails scratching down a blackboard, she is considered by most red-blooded males across all age groups, and political parties, to be attractive... So, what about Palin the wife? Frankly, she'd scare the living daylights out of most men. Don't get us wrong, we admire the multi-tasking thing because we are pretty useless at it ourselves. But there comes a point where something's going to give and, with woman like Palin, it's probably going to be the husband that gets sidelined.
Politically I'm no Sarah Palin fan. But when journalists write like this, it offends all women who aspire to be taken seriously beyond their looks. I don't need to tell you that ruminating over what kind of wife—or bed mate—she'd be is demeaning. Let's worry more about whether she'd make a good leader of the free world, eh?

subset: commoncrawl


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A Fourth Of July Day In Downtown Minneapolis.
July 4 was a fine day for taking in the sights in downtown Minneapolis.
Downtown Minneapolis has a variety of faces.Read Full Post | Make a Comment ( None so far )
Windmills at rest
Dusk settles over a wind farm in southwestern Iowa.
Cruising The Mall
Highway and heavy way to cruise Nicollet Mall.
At The End Of The Day, We Move Forward No More Forever
Just two words of wisdom for today: Talk Normal*
Case in point:
"What I really want, at the end of the day, is to make sure we do the right thing for Clayton moving forward. I know we'll do the right thing for him, so that's not really a concern." – Don Mattingly, Los Angeles Dodgers manager, speaking about injured pitcher Clayton Kershaw. (Quote from Sept. 18, 2012 Minneapolis Star Tribune, Sports, page C4)
Rewrite (just for our purposes):
"What I really want — and what this organization wants — is what's best for Clayton."
Editorial notes:
"Moving forward" – a transition phrase, perhaps once notable for being novel, it now sounds as empty of meaning as "awesome." Delete with extreme prejudice. (See also: "going forward," its equally obnoxious sibling.)
"At the end of the day" – what's with this end of the day stuff? Do the cows come in at the end of the day? Of course they do. Was Rome built in a day? Of course not. Can we not get through one day without hearing someone, somewhere, in a position of somber authority, speaking of their earnest ambition to conclude something of a serious nature by the end of the bloody f'ing day???
No Offense Intended, Don
Sorry, Don Mattingly. I don't mean to pick on you. I know you mean well. It's just that, to see two such mindlessly over-used clichéd phrases in the same sentence, for God's sake, it defies comprehension. It drew my attention, and I took a grammatical hack at it — somewhat like you used to have your fun battering a lazy down-the-middle fastball back in the day.
Editor's note:
"Back in the day" – yadda, yadda, yadda, sounds like an early Jersey Boy phrase that went viral via some TV cop show outa New York and now passes for virile man-talk. Backinnaday ya know. Pack it in, back-in-the-day sayers. It's lost most of the street smart cred that it had back in whatever day it slunk out of.
So, at the end of the day here, let's quit embracing cliché-talk in our speech, okay?
Editor's note:
"Embracing" — a psycho-babble-ish distortion of a perfectly good word — to embrace, to clasp in the arms. Now used with great unrestraint to show affinity, as in "she embraces the culture," or "the author embraces the poor, the oppressed, the disenfranchised, the forgotten and the immoderate." If those are the author's people, so be it. Actually, it's not so far-fetched to assume that a writer of the depths, such as a Dostoyevsky, actually does emotionally embrace the lives of some such as the Russian dispossessed, as he did with great feeling and insight. Not to banish non-physical/romantic references of embracing from the vocabulary, then, but to urge more judicious use of the word at minimum. (Note: no mention of being more judicious going forward!) Gandhi may well have embraced all of humanity. Most people have a hard enough time embracing close family members, much less the multitudinous masses. (No embracing on the job. That goes without saying.)
Well, then. That puts a period to the cliché problem for now.
* A nod to Tim Phillips, author of Talk Normal, Stop The Business Speak, Jargon and Waffle, published in 2011 by Kogan Page Limited, an excellent book in which the author argues that people are more effective when they just talk like normal people do.
New McDonald's In Town (Minneapolis)
Close Encounter With A Mac And Cheese Pizza Lover
Recently I was offered a taste of macaroni and cheese pizza.
It happened, oddly enough, at the Dinkytown McDonald's, near the University of Minnesota East Bank campus in Minneapolis. Odd since pizza doesn't appear on the menu at McDonald's.
A young woman, nicely dressed in casual summer attire, seemingly benevolent, made the offer to me as I sat, hunched over a laptop computer and bag of fries, in the late-night gloaming of the restaurant.
"Have you ever had macaroni and cheese pizza?" Startled, I looked up. There she stood, soft drink in hand, smile on her face, awaiting my response.
"Never," I said. "I didn't even know such a thing existed."
"You have to try it. It's great!" she gushed.
Sounds barbaric, I thought to myself. What I said was, "It sounds pretty good."
"It's so good!" she said.
Maybe she's right, I thought. Macaroni and cheese, still within the pasta family after all.
But mac 'n cheese. On pizza. Well, why not? At least it wasn't something like carmel corn and anchovies.
Could be a joke, I thought. No harm done if it was, but maybe she was just joshing me. Didn't seem like it though.
My interloper radiated nothing but good will. She obviously wanted to share her knowledge about the special delights of mac 'n cheese pizza with me, a guy some few decades older – wiser? It's debatable — than her. Sitting by himself. Late at night. In a solitary booth in a McDonald's in the middle of a big city. Gazing intensely at a glowing computer screen. Whooaaa!
Maybe she thought I was friendless and bereft. Or a philosophy professor searching out clues to the universe online.
But it wasn't to be.
Nice as she was, she couldn't induce me to head off down the street for a slice. I wasn't hungry, for one thing. She might have been slightly tipsy, too – which could explain her enthusiasm for sharing her food tips with strangers. It was getting nigh on to midnight. A time when a lot of the college kids take a break from the nearby club scene to drop into McDonald's to recharge.
My young food confidante now settled into the booth just behind me, joining her two friends. Then she called my attention to the slice of pizza plopped on a paper plate on the table before her. Macaroni and cheese topped pizza it was, unmistakably. "See?" she said, stabbing a wayward finger toward the plate. "Doesn't it look good! You have to try some. Oh, if I just had a knife I'd cut you a piece so you could try it!"
Fearing for her good mood – she seemed on the verge of turning crestfallen — I hurried to make things right.
"That's okay," I assured her. "You don't have to do that. It's your pizza. You eat it."
Did my brow furrow over as I now studied the improbable scene? I don't know. I wasn't looking into a mirror after all. All I saw was the pizza, the three young women, one looking at me expectantly, the other two kind of peering at me anxiously, probably hoping their friend hadn't recklessly engaged with a werewolf.
"Hmmm," said I, eyeballing the cheese-sodden slice admiringly. "It does look good."
"You have to try it," my newfound foodie friend implored. "It only costs about $3 a slice at Mesa."
Mesa, it turns out, is Mesa Pizza Dinkytown (open well into the early morning hours most nights), located just down the street from the McDonald's.
"I'll give it a try the next time I want pizza," I assured her.
Satisfied, she turned back to her friends and the task at hand of devouring the pizza. I settled back in with the computer – was I really writing, or was I actually looking up the baseball scores on ESPN.com? I forget — wondering at the wonder of it all.
Mac 'n cheese pizza. Not the worst idea of all time, surely. Maybe a traditional favorite in, say, Palermo or Naples. Ha ha, I laughed to myself. An exuberant young woman interrupting my commune with cyberspace to urge me on to give mac 'n cheese pizza a chance. What a hoot!
Call For Citizen Proofreaders
A reader of the St Paul Pioneer Press asks online today, "Do newspapers do any proofreading anymore?"
My answer to him: newspapers today rely on readers like you to do their proofreading for them.
To that end it would do well for all readers everywhere to get copies of the Associated Press Stylebook — also available by subscription online at AP Stylebook Online — and The Chicago Manual of Style (online at Chicago Manual of Style). Study both diligently, commit vast portions of both to memory, and then do your jobs, readers of the world and proofread those newspaper stories and blogs! Do your work well, despite the low pay — well, no pay. Just consider yourselves citizen proofreaders. Doing your part to make for a more literate Internet.
Now get to it, youse proofers youse!
No Lovin' Feeling In Duluth
On the Northern Front: An uncouth moment for Duluth. City is one of the five worst in the country for romance, according to social network Foursquare, reported by NorthlandsNewsCenter Lovelorn In Duluth.
Makes no sense. Duluth is considered by some to be the San Francisco of the North Country, what with its hilly views of Lake Superior and storied history as a major inland port.
Cool City, Duluth
Truth be known, it's a cool city. Nicknamed the "Air-Conditioned City," in fact. Cool in the summer, wicked cold in the winter.
Hershey might want to send the mayor a big bag of chocolate Kisses this Valentine's Day. Oh, and the most romantic city in America is Lake Buena Vista, Fla., according to Foursquare. Maybe so. Love in the city of eternal childhood — it's the home of Walt Disney World.
So maybe Duluth needs to jazz itself up a bit. Some movement in that direction today, as a proposal surfaces at the state capital to build a new Minnesota Vikings football stadium in Duluth. Not even Eli Manning could pull that one off. What Duluth lacks in romance it makes up for with sheer gritty Iron Range fueled chutzpah.
Put Down That Can Of Soda Pop
Down With Risk; No Blood, No Late-Night Radio Foul
The Weekend Report:
Writing in The Wall Street Journal Weekend, Jason Zweig has a rip roaring good time poking holes in the latest work of investment wisdom from James K. Glassman. It was Glassman who co-penned the notorious "Dow 36,000" book, published in 1999 or not long before the start of one of the most dismal decades for investing ever. "Extremely exuberant" is a mild way to put Glassman's 1999 view on stock investing.
It was Glassman who said that stocks are not risky then — and he apparently still holds to that view. Zweig quotes him as saying, "The data [still] show that stocks aren't risky." Although he's now hedging his bets a bit more.
Lost In Space?
Say what, Mr. Glassman? What's the name of this alternative universe that you inhabit, Mr. Glassman? Were you there, on planet Earth, in September 2008 when the stock markets collapsed in the wake of the Lehman Brothers bust? Stocks went down down down. Sure, the short-sellers — making book on stock market risk — were happy. But most investors, some perhaps still clinging to their copies of "Dow 36,000", lost big-time. If they had money in, say, Countrywide Financial, Wachovia, General Motors, Colonial Bank, the names go on and on, they lost almost everything. No risk there?
Stocks in general have bounced back since then. But not all, many still trade well below their 2008 highs, and many were burnt to a crisp in the meltdown. People who bought into those stocks may view the market with a bit more jaded focus on the risk factor.
"Safety Net" is the name of Mr. Glassman's new book, and Zweig gives him his due — noting that Glassman has written those three little words that financial gurus most abhor: "I was wrong," But not so wrong about the risk of stocks? Maybe in theory, stocks should be a no-lose investment. Countries shouldn't fight among themselves either, theoretically speaking.
Reading Has Its Own Risks
Zweig also tells of a new book written by Howard Marks, chairman of Oaktree Capital Management. "The Most Important Thing," Mr. Marks's forthcoming tome, is a "superb" book that helps explain risk clearly, Zweig writes. Sounds like a winner to me, although I'll have to wait until I've actually read it to say for sure.
One thing's for sure. I would approach anything written by Mr. Glassman with my risk evaluation attenae on high alert.
Nice Guys Live On — On Late-Night Radio
Meanwhile this radio guy does a talk show out of Boston, he's got this doctor for a guest on his late-night show. Seems that the Doc has taken to writing about a historical family figure – a relative from the 19th century who put on trial for killing someone, perhaps a paramour or husband, who knows? I'm only paying attention to the show between loading up the clothes washer and taking out the garbage.
Anyway, the aforesaid Doc, in the course of the interview, allows as to how his relative, a female who was a loose woman by 19th century standards, was almost certainly guilt of the crime of murder. But he opines that the jury declined to find her guilty, not so much because she wasn't the culprit, but because the state was just then starting to offer up electric chair executions. This new-fangled style of putting people to death was seen by many as being perhaps a more painful way of dying than, say, the tried-and-true method of hanging or firing squad.
Being considerate people, the jury let the accused off, said the Doc, in spite of the fact that she was in all likelihood guilty as charged – and the prosecution had proved it.
And so, our late-night host comes right back with the assertion that "well they couldn't prove that she was guilty…" blah blah blah. Indicating his willingness to cut the lady in question, now long dead but obviously a woman of some spirit, a break. This despite the Doc's own assertion that the lady was guilty, the jury most likely knew it, but didn't want to send a poor woman to what was probably an unduly painful death. My takeaway was that the host was bending over backwards to make the guest feel appreciated — so much so that he failed to acknowledge what the guest had just said. It was as if he didn't hear what his guest had just said, which is no way to treat a guest.
Crime Yes, Punishment, No
All of which made me think, well, this late-night radio guy, a nice guy from the sounds of it and a very personable chap, probably goes overboard in his efforts to not cause his guests to feel distressed by his questioning. No Porfiry Petrovitch, our radio man is charged instead with providing a pleasant listening experience for his stressed out late-night audience.
America's a big place. More than 300 million people live here, which means there are more than 300 million stories to tell in this naked country alone. So why would radio hosts worry about having enough guests to fill out their air time?
So many stories, but people are not equally adept at telling their stories. Many people tend to stagger through their narratives, saying too much or — what's even worse from the interviewer's perspective — saying too little. They often over-explain, only natural for conscientious people who want to be sure their listeners understand what they're saying, and end up boring the listeners to death — perhaps more than once. And as we all know, nothing kills talk radio so quickly as boring on-air talkers.
Talking points. That's my advice to would-be stars of the talk-radio world. Work on your talking points. On radio, as in real-life occurrences such as when the cop stops you for speeding, it's not just what you say, it's how you say it. Pre-conceived talking points can get you through almost any situation. Another way of saying it, one that we all learned in our high school days when we were called in to face the music by the school principal, is the old "let's get our story straight" imperative.
Late-night talk show hosts have it tougher than most, though. For one, there's the time barrier — not that many people with productive day time jobs are up and talking coherently in the middle of the night on a regular basis. They need their go-to regulars. And the regulars would be scared off if the host came on like the relentless interrogator Porfiry, who so mercilessly bedevilled Raskolnikov in Dostoyevsky's Crime and Punishment.
Related Articles
- The Ominous Undertone of Stock Rallies (online.wsj.com)
- Beware Most Market Studies, They're Mostly Misleading, Often Incorrect – Seekingalpha.com (seekingalpha.com)
- Marks to market: buy low, sell high (openitstrategies.com)
- Excellent article From the Economist. Please Read (brokermandaniel.com)
Haste A-Pace
"Make haste slowly."
Said to be coined by Augustus, the Roman emperor who succeeded Julius Caesar.
Excellent bumper sticker material (or something to stick on the side of a sedan chair, a favorite conveyance of the Roman well-to-do back in the day), and often quoted by poets, philosophers and other pundits living and dead.
Excellent advice, when you think about it.
Act fast, but not so fast as to lose your head, shoot yourself in the foot, do something stupid you'll regret, rush to judgment, run off the rails, plunge off a cliff, etc.
I like it.
I like it more than that equally inarguable old saw, beloved by mothers everywhere, "haste makes waste."
Make haste slowly sounds much more like something I could use when starting, say, a new high impact project for a client. Especially if said project has a lot of moving parts to it which must be assembled under heavy deadline pressure.
Just something to think about in these emotionally charged times.
Is Financial Ruin The Cure?
Image via Wikipedia
Fresh from a fine walk around one of the fabulous urban lakes of Minneapolis – Lake Calhoun, in this case (pictured above) – on a glorious evening to be outdoors, and then along comes this depressing piece of opinion from David Stockman, ex-Blackstonian, former golden boy turned whipping boy of the era of Reaganomics and now sending the signal that the new age of economic austerity and consolidation is dawning. And that we the people, along with assorted governmental bigwigs, irrational optimists and media blowhards, don't have a clue.
Harsh medicine to come, if Stockman's right about a massive second shoe – a shoe constructed of iron and embedded in cement – that's about to crash, a la 1932, onto the global economy.
I do know this – fear sells today. It always has – whip up some healthy paranoia and all that to get people's attention. But this is getting to be out of all proportions.
News You Can Grit Your Teeth To
Tuning into the economic news of the day is like getting a daily assault from weasels intent on ripping your flesh from your face (credit Frank Zappa's album Weasels Ripped My Flesh! for that thought).
The cure? I don't know – hopefully it's not akin to what a Martin Amis character says about health worries (to paraphrase), "I didn't want to worry about my health, so I ruined it."
I for one don't see a future in financial ruin.
Here's the link to the Stockman piece:
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What's In The Daily Newspaper? Does Anybody Know?
It's not news that newspapers are losing readership. You'd think the PR community would be the last reader bloc to go.
Maybe not.
A friend of mine, a well-respected member of the Twin Cities PR community, recently made the society pages of a Sunday issue of the Minneapolis Star Tribune (circulation around 600,000) in a big way. She was prominently featured in a photo from a major cultural event.
Sad to say, she didn't see the photo until someone noticed it for her. Sounds like she skipped the print version of the paper that day.
I'm not knocking her or her Sunday reading habits. It's just one more indication of how much ground newspapers have lost with the public. Now if there's a bright side to this story, it's that the opportunity for PR people is to work with what the world gives them. The value of a newspaper placement — they still employ real journalists, for heaven's sake, who know what news is for the most part! — today lies in what the enterprising PR professional can do with it to help make it bigger news. Tweet it up! Talk it up on Facebook! Link to it on your client's website. In short, be a publicist for the news that's in the newspaper.
On a recent NCIS TV show, one of the investigators was complaining bitterly about having to wade through the digital swamps as she sought out news on the Internet. Jethro — the Mark Harmon character who captain's the investigative crew — overheard and laid a fresh copy of the day's newspaper on her desk. There it was, he indicated – the perfect news package, all wrapped up and begging to be read without the bothersome distraction of the Internet. It was a revelation to his young investigator.Read Full Post | Make a Comment ( None so far )
Narrow Escape From The Shack
Customer service.
We all hate it. (Not the service, the lack thereof.)
So yesterday, Saturday, I'm prowling around a Radio Shack outlet. Just kind of browsing, indulging my inner geek a bit I guess. And I'm checking out the telephones on sale – I need a new business level phone, one that has the buttons you push to end a call and make a new one. So I can make rapid fire calls. That kind of phone. But most of the phones are equipped with digital answering machines, I don't need that. And they seem mostly aimed at consumer interests, including the ones with huge buttons for elderly eyes. (Probably good for alcohol-bleared eyes as well.) Long story short, I'm about to go check out the NASCAR racing action on the LED TVs going in the store when I see this pamphlet for a telephone service called MagicJack. Hey, it's been seen on TV according to the brochure, something that obviously confers instant credibility upon the product. I mean, they wouldn't let them show this on TV unless it was good, would they?
Seems like MagicJack gives you instant access to a telephone number that you can use anywhere in the country for local and long distance calls. For $40, the service and telephone number included. That's $40 for a year's worth of telephoning, no other charges. Sounds too good to be true, me says.
"Sounds too good to be true," says I to the young guy at the cash register who's correctly observed that I'm clutching the brochure with one hand while proferring a package of telephone line connectors to him with the other one. (The connectors seem useful, like something that could be used to test automotive circuits as well as connecting telephone lines somehow.)
It's a great device, says the salesman. It really works, he swears. They can't keep them in stock, says he. People love them, some buy five at a time for their entire family to use. All you need is a broadband connection and you've got a new telephone line, he says.
"Easy as 1-2-3, to save up to $1,000 a year!" exclaims the brochure.
"Well, uh, for $40 it might be worth a try," I allow.
"You can always return it if it doesn't work," he says, closing the deal.
"Right," I say. "I'll take it too."
"Hey, what about your wireless service?" he asks. "Who do you use?"
"I just switched to Verizon," answers I.
My previous wireless provider just dropped their service and urged us subscribers to roll over to Verizon, which they are now reselling. Well I did get the Verizon service, but only after checking out other services as well. But since I hadn't actually activated the Verizon service, not yet, there was a chance I could still switch to someone else if they offered a better deal.
A better deal. Radio Shack was bursting with great telephone deals in the estimation of this energetic young salesman. Just take this Boost Mobile deal. $50 per month and all the telephone service you could want, with no long-term contract!
"Ha," I says. "Let me see." So he takes me over to the Boost Mobile display, and while I'm gingerly checking it out he gets asked a question by another customer. "Go ahead and help her," I says.
That's my break! I grab a brochure and call out to him, "I'll check this out and come back later!"
Whew. One too-good-to-be-true deal per store visit!
But that sales guy, he was good – sharp and aggressive without seeming to be too pushy. Kind of refreshing actually. And it happened in a Radio Shack of all places. A bastion of customer service! (Actually I've mostly always had good luck with customer service at Radio Shack.)Read Full Post | Make a Comment ( None so far )
All the data fit to scan
Cisco says they've got a network piece that can copy all the searchable data on the internet in 7.5 seconds or something like that. How about that for a global brain scan? Seems like the CIA and NSA and FBI would be their first customers, along with of course the big telecoms. It staggers the mind to think about how much money this rogue trader at Soc Gen burnt; I remember when I was in NY a friend of mine lost $30,000 on a bad keystroke one day for a bank he worked for. There must be some better way to detect human error and fallibility among these banks or the financial world's in more trouble than you think. Al Qaeda could destroy the international banking system with a few well-placed banking operativesRead Full Post | Make a Comment ( None so far )
Party Time 1929-style
Time to party like it's 1929.
Are we ready for depression-era fun?
Remembrance of recessions past…what worked? I seem to recall one strategy that worked was to keep your head down and work like your life depended on it. Amazing how a little economic pain focuses the mind.
The early 80s, one marketing allure was depression-chic. Cheap chic, it rears its head from time to time. Has a certain youth appeal. People don't want to spend their youth in drudgery.
When the going gets tough, I go to the bookstore.
I'm more of a fiction fan; is this escapist? I don't know. Reading other people's thoughts on the human condition — oh ye Gods that sounds so 1920s! — helps put it all in perspective for me.
I, like Vladimir Putin, have no sense of humor.
Some of my own suggested books to read for hard times (Dickens' Hard Times itself not a bad start).
John dos Passos' The 42nd Parallel trilogy.
Studs Lonigan, James T. Farrell's often-overlooked classic.
Anything by Dostoevsky, Crime and Punishment being an excellent choice.
Berlin Alexanderplatz, the book. Not so much the German made-for-TV mega-series.
Joyce Carol Oates, What I Lived For.
The Siege, a novel of the Eastern Front 1942, by Russ Schneider. If reading this book doesn't help steel your soul against feeling sorry for yourself nothing will.
On the non-fiction side, Manias, Panics, and Crashes, A History of Financial Crises, by Charles Kindleberger and Robert Aliber, is what I've been reading of late. To quote, "A crash is a collapse of the prices of assets, or perhaps the failure of an important firm or bank. A panic, 'a sudden fright without cause,' (from the God Pan, known for causing terror), may occur in asset markets or involve a rush from less liquid securities to money or government securities — in the belief that governments do not go bankrupt because they can always print more money."
Or in our modern age, maybe it's the belief that the OPEC nations can always crank up the oil spigot?
Or you could just go shopping and help prop up the economy.Read Full Post | Make a Comment ( None so far )
Who's This? « Doug Hovelson Weblog
Who's This? « Doug Hovelson WeblogRead Full Post | Make a Comment ( None so far )


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How Small Town Business Finances Work
by Tom Egelhoff
The rules of baseball haven't changed much in nearly 100 years. It's still 60'6" to the pitchers mound. Bases are still 90' apart. Three strikes you're out.
What has changed is how the game is coached and managed.
In the old days, when someone came to bat with men on base, you crossed your fingers and hoped the pitcher could get him out.
Today, the manager not only knows the batter's average, but his average with two outs and runners in scoring position.
He knows how the player bats against right handed and left handed pitching.
And, a host of other stats about every player on the opposition as well as his own team.
The same is true in business.
Your financial reports provide information about your business that you should be using whenever you make financial decisions.
However, the sad fact is, most business owners only look at a financial statement twice a year.
They look at the annual Profit and Loss Statement (P&L), (did we make any money?), and their taxes, (how much of our profit do we have to pay?).
Here's how your financial statements can affect your business.
Top : Home
First, What Kinds Of Information Are We Looking For?
Look at the numbers, ratios and percentages and how each affects your bottom line.
In order to know if your numbers are favorable or unfavorable you need something to compare them to.
Most associations will have these "base" numbers for your industry and the formulas to calculate them.
Yours may vary from the average because of location, city or company size.
If you aren't sure of your industry numbers check the "The Small Business Source Book" at your library. Or contact your local SCORE group or the Small Business Development Center nearest you. Search by state.
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Cost of Goods Sold
Cost of goods is producing, converting or buying an item that is sold.
The formula is simple: Take total sales of all products and subtract the cost of goods along with "all" expenses and the difference is your gross profit margin.
This should be done for both overall goods and again for each product.
The individual process show's which products are "winners" and increased inventory might be considered.
Or which are "losers" and should be eliminated from stock.
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Return On Sales (How Much Do You Make Per Sale)
How much does it cost to buy a widget from your business and how much do you make?
You'll need your Profit and Loss Statement (P&L) for this one.
Return on sales shows you the percentage made on each dollar of sales.
The Formula: Divide "net" pretax dollar profits by total sales.
The beauty of this formula is it measures (in percentage) how efficiently you convert a sales dollar into profit.
Cost-Benefit Analysis
Ever get an idea and wonder if it will work? The cost-benefit analysis will help make that decision.
Suppose you have an auto parts store and would like to expand to other cites.
If the expansion cost outweighs the income produced by each store, the move is not warranted.
Ever had a re-call on a household appliance?
Companies have to weigh the cost of the recall vs. the cost of customer good will, lawsuits and customer confidence.
The re-call may cost the company more in the long run if they don't do it than if they do.
Could You Make More Elsewhere?
How much have you invested in your company? How much are you taking out?
Salaries, bonuses and benefits can have a major impact on any business.
Start by dividing pretax profits (P&L) by Equity/Net Worth (Balance Sheet).
This will show your return on your investment.
If it's less than 5% you could probably make that in some other investment vehicle.
If you like what you're doing...keep doing it. If not, stop working and start living.
How Often Do You Turnover Inventory?
A retailer or wholesaler you must move inventory.
How much tells the health of your business and how well you are managing your inventory.
To calculate: divide your "average inventory" into Cost of Goods Sold (P&L).
The higher the number, the more turns you have and the healthier your business.
Accounts Receivable
You must be paid in a timely manner. Slow pay can put you out of business. You must have a "handle" on how quick the money comes.
The first step is to compute your average sales day. You can take your total sales for the year and divide by 365 "IF" you are open all year.
If not compute the number of days you are open for business.
Next, divide that number into your current accounts receivable. This will show you the average number of days it takes for you to collect from your accounts receivables.
Less than thirty days is preferred. Thirty to forty-five days are acceptable; almost anything over 45 days may cause a hardship on your business.
Top : Home
Learn To Do It Yourself
Accounting is a lot like practicing medicine. The patient comes in; you put on the heart monitor, take blood and other fluids for testing.
Then a doctor reads and evaluates the tests and arrives at a diagnosis. The patient is either in trouble or healthy.
No, I don't want you to do your own accounting. Most businesses need an accountant just to keep them out of trouble with the IRS.
Instead, learn how to read your financial statements so you know what's going on in your business. You may not always make the right decision but at least you will be making an informed one.
Return to the "Business Management" Directory
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Listen in on Tom's weekly radio show "Open For Business" on AM 1450 KMMS Radio, Bozeman.
Have a business question for Tom? Click here to get Tom's advice for free.
Stay up to date on business issues. Join Tom's Blog.
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© Eagle Marketing PO Box 271, Bozeman, MT 59771-0271
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Email: firstname.lastname@example.com.
Based in Bozeman, MT, Tom Egelhoff is the author of How To Market, Advertise & Promote Your Business Or Service In A Small Town, and The Small Town Advertising Handbook: How To Say More And Spend Less.
Tom is also a seminar and workshop presenter and trainer. He may be reached at 406-585-0219 or PO Box 271, Bozeman, MT 59771-0271
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Brian Kendrik
Mr Kendrik is a algoods teacher, puts up with my crazy as class and still manages to teach us heaps. rambles on about random stuff while teaching though
Mr Kendrick chooses the wrong people to favouritise. Rather than picking people who don't do their work. He is moody and rambles about things off topic rather than teaching us the curriculum also if you ever need to ask a que
He was a good as teacher kinda mean but teaches you lotz and is willing to help. x
Brian is a great man. he's set me up for life, along with that, has been the foundation to my educational abilities. good on ya brian
He is a pleasant sort of fellow, always contributing and doing his part for the school in a quiet, non-obtrusive manner. Mr Kendrik has long since earned my respect, and he is really easy to talk to.
K Dog is the coolest, very random but still cool! you go Dog!
noboby wats a angry, angry Mr Kendrick now do we so 9ah... hope you have handed in your project! lol
I like mr k he is so passionate about his subject and has the best general knowledge ever! he really wants you to learn and is willing to help. Us girls r lucki to hav him as a teachr.


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HKSFA Best Research Report Competition 2018
Buzz & News
BRRC Buzz
Congratulations, Top Ten Finalists of HKSFA Best Research Report Competition 2017 are shortlisted!
08 Nov 2017
Top ten finalists have been shortlisted as per the lists below. This is the fourth year of
HKSFA Best Research Report Competition (BRRC)
which aims to honour outstanding analysts and promote awareness of fundamental written research among the public. Invitations to submission have been sent to the 25 designated institutions which are the major employers of our members in Hong Kong. We are honoured to have received
41 equity research reports from 10 houses
Top Ten finalists were invited for the
Top Ten Announcement Ceremony
, as part of the HKSFA 25th Anniversary Gala Dinner, on 2nd November. Their entries are undergoing the final round grading by four experienced fund managers.
Top three winners
will be announced at
HKSFA Awards Night on 5th December 2017
, Please stay tuned!
Sector Report Category (in alphabetical order of Last Name)
Mr David Dai, Bernstein
Ms Mariana Kou, CLSA Limited
Mr Gary Lam, Citi Research
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Ms Manyi Lu, DBS Vickers (Hong Kong) Limited
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One thing I did with these "Advanced Tactical knee pads" to make them more comfortable was to remove the extra padding at the inner top of the pad. This padding is there to prevent the knee pad from slipping down on the leg. I found, however, that it tends to rub on the top of my knee cap and make a raw spot. Which takes any comfort out of the equation. Other than that these knee pads have worked well for me. They provide comfort (once this mod os done) and protection and have held up well to some serious use and abuse.
Colors: Black, Coyote tan, Foliage, OD


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Java street food is simple and quick. It can be brought from stalls on streets or from warungs ( street restaurants)-the later often offering more choice. In warungs they have precooked food set in the window, and a simple reheat on the grill allows the food to be hot and ready to eat.
The food served in a city of Java reflect the culture, tradition and people of the area. Travelling from South to North of Java you can see the change depending on the location and the ability to grow food; from Pangandaran having fresh fish to Yogyakarta at its jackfruit.
A few terms that are good to know
Nasi /rice
Nasi uduk /rice cooked with coconut milk
Mie /noodle
Ayam/ chicken
Ikan /fish
buring / pigeon
puyah /egg
betawi/ beef
lalap /raw vegetables
Lumpia /spring roll
Bubur ayam /chicken porridge
Leker /thin crisp pancake
Bakso /broth with noodle, meatballs and fresh herbs
Sio May /dim sum
Gudeg/ rice cooked in coconut milk with jack fruit curry famous in Central Java especially Yogyakarta
soto/ soup made with coconut milk
sate / skewers of meat ins sweet soy sauce
kuning/ turmeric marinade
sambal /a chilli sauce condiment
pecel /peanut sauce
Goreng /deep fried
bakar/ grilled
Kopi /coffee
teh/ tea
Es/ iced drink


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Table Tennis is far most the best game commonly known as ping pong or wiff waff game. This game was introduced in 1926 and Chinese are the masters of it. But to many enthusiasts this is a dilemma to leave busy schedule and have fun playing. Nevertheless there is some alternative which can make you satisfy for some time. However gamer geeks will love to have a Table Tennis game running on PC.
Table Tennis Pro is a freeware game. It is Two player game with customizable bats and tables. For smooth play 3D graphics card is required. The key feature about this game is its innovative control system.
It allows to control power and spin on shots for effective opponent dodge. 12 camera views have been included to monitor replays. In addition to that 12 playing environments have also been added which include playing rooms, multiple table surfaces, nets, stands and balls.
Download Table Tennis Pro (5.4MB)


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Traffic Violations Attorneys Serving Suffolk County, New York
Handling a wide array of traffic violation cases
Paul G. Tuths represents clients in the Suffolk County Traffic and Parking Violations Agency (SCTPVA), the Nassau County Traffic and Parking Violations Agency (NCTPVA), the Central Islip District Court and the Justice Courts of the Town of Southampton, Village of Southampton, Village of Sag Harbor, Town of East Hampton, Town of Riverhead, Town of Shelter Island, Town of Southold, Village of Quogue, Village of Westhampton Beach, Village of West Hampton Dunes, Village of Islandia and Village of Port Jefferson in a wide variety of traffic violation cases such as the folloing matters:
Our process
Paul G. Tuths takes a detail-oriented approach to your traffic violation case. We interview you over the telephone and through emails to obtain as much information as possible regarding the circumstances surrounding your moving violation. He will provide you with detailed information on how to respond to the traffic ticket and enter a plea of NOT GUILTY. After the traffic ticket is returned to the court with a plea of not guilty, the court sets a conference date at which time Paul Tuths will appear on your behalf and discuss a proposed reduction or dismissal with the prosecutor. We are able to proceed in court on most traffic tickets without your personal appearance based upon your written authorization in order to obtain a final disposition to your traffic ticket or summons. We prepare the authorization letter for you to sign. From start to finish, Paul Tuths will be the attorney personally handling your traffic ticket. We DO NOT farm out cases to other attorneys to make our court appearances on traffic tickets. We use our many years of experience in the courts of Suffolk County and eastern Long Island to get the best possible result for you. At the conclusion of the court case, Paul Tuths will contact you to advise you of the final disposition on the ticket, the fine imposed by the court (unless the ticket has been dismissed) and the date by which payment of the fine is due.
We charge on a flat rate basis for our legal services on traffic law matters. The amount of the charge depends on the number and nature of the traffic violations which the driver has received. Our flat rate charge covers all services including review of the traffic charges and driving record, consultations and correspondence with the driver, court appeareances and final wrap-up with the driver. There is no charge for an initial consultation on traffic violations. Our fee does not include any fines and surcharges which may be imposed by a court. All fines and surcharges are the sole responsibility of the driver. Payment of fines must be received at the court by the due date. If payment is not received by the due date, driving privileges will be subject to suspension by the NYS Department of Motor Vehicles.
We do accept credit cards but clients often pay our fee with a personal check.
Contact qualified traffic violations lawyers today
Paul G. Tuths has 20 years experience representing clients in courts on traffic violations, speeding tickets and other driving related charges. Contact our Southampton office online or at 631-287-0018 to speak to Paul G. Tuths about your traffic ticket. We stand prepared to do all we can to minimize the negative repercussions of a traffic violation.


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Italian Restaurant; How to Find an Authentic Restaurant
Though most people think that they cannot get bad food in Italy, this is an occurrence that happens commonly. In fact, the greatest complaint made by people is the disappointing food. You are likely going to have a hard time trying to find a good Italian restaurant. Before your trip, you are likely not going to want to spend most of the time trying to find good restaurants and reserving them. You should know what you should look for when looking for the Italian restaurant to go to.
You need to keep away from those restaurants that tend to have staff at the door to lure you in. If the only way for the restaurant to lure you to them is by hiring staff members to make some banter; then this means that they do not have good food. In most cases, they tend to mention some of the Italian foods that you may be familiar with. Such restaurants will also tend to have English menus and also attract you to them by offering a welcome drink on the house. Good restaurants are most likely going to be fully booked and may not be able to fit you in. They will not need to stand outside luring diners to their space.
When you find that their menu is only in Italian, then you should choose that one. You are most likely going to feel intimated when you do not know any Italian. However, if the menu is translated into various languages, then it means they cater to tourist. In most cases, you are likely going to recognize a few dishes in the menu even when they are written in Italian. You also have the choice of picking a food phrase book. Getting a phrase book that has been translated to English will make it easy to use. These phrase book will also include most of the dishes that you will find at these Italian restaurants.
It is also best to keep away from those restaurants that tend to provide pizza at lunch. Pizza is not a meal that Italians take at lunchtime. Any restaurant that offers their pizza at lunch, then this will mean that they cater mostly for tourists You need to know that the Italian pizza is cooked ina wood-burning oven that will take an extended period of heating. As a lot of energy and time is needed to heat the oven, they avoid firing it up during the short lunch hour.
You should choose the Italian restaurant that is full of Italians. English is not widely spoken in Italy. When you walk into a restaurant where the staff and the customers are mostly talking Italian; then you will find that their food is great.


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A couple of weeks ago I ordered online some products from Sephora. I didn't get a lot of stuff but I thought that you would enjoy see what I got and at the same time I can give a little review of those products. I purchased products from the sale section so everything is affordable and under 12$.
|I also bought a pop-up brush but I forgot to take a photo of it
First, I got an Hello Kitty cosmetics case. I just thought it was so cute and that it will be perfect for traveling. It has a lot of room in it. There is also a pocket inside the case. I got it on sale for 11$CA and I don't think you can still get it at Sephora anymore.
I also got the Arte Palette in Lion Pappa by Tokidoki. The eyeshadows are all neutrals and there is also a blush. The blush is really pretty but in my opinion it is not very pigmented. The eyeshadows are really good for the price. The palette is really compacted and handy. There is also a mirror on the inside. I got this palette on sale for 3$CA and I don't know if Sephora still carries Tokidoki online or in store.
|I didn't know if you would be able to see the colors on my arm so
I swatched them on a piece of paper
|Here is a swatch of the eyeshadow stick
** Don't forget to follow my blog in the "followers" section at the right ( click here to follow ), also share this blog if you liked it and don't forget to leave a comment below ;) **
Hope you appreciated this little haul,
Isabelle -xxx-


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You can't no longer feel the convenience to depart if you know that your business is weak to diverse security attacks.Luckily, our company that can be found in Campaign, TN can be your best partner to in solving locksmith problems. We are going to lend our fully bonded, competent and highly skilled locksmith who can work with you in times of troubles. We can handle your locksmith issues. It won't matter if you misplace your keys or if you want to acquire the best efficient security. Our company offers various services in relevance with the given situations.
Our company is one that you can depend on to help you out on some situations which may need a highly trained locksmith.Expect us to be available anytime you face a problem such as accidentally getting locked out of your own home or car. You can count on our services even in any possible weather.
We accomplish professional locksmith services for industrial, residential and auto consumers all around USA. We supply this residential services master key installation, lock replacement, re-keys, key duplication, lock repair, and new lock installation. The commercial security products and services that we offer are high security locks, panic devices, CCTV installation, exit devices, intercom system, card access control devices. For automobile, we have emergency vehicle opening and lockout, broken keys extraction, GM VAT keys duplication, new ignition keys, transponder key programming, transponder chip key and high security vehicle key duplication.
We get all the job done right away. So make sure to dial (888) 907-2215. We'll be at your location very quick. Our locksmith agency offers locksmith services around the US. It does not matter what time you called us, what you can be sure of is that we are the number one locksmith service provider you can rely on during trouble times. Get hold of the best lockmiths in town. Call us.


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Information Analytics
I'm seeking clients that are looking for custom software development, website design and/or hosting, Android/iOS app design, Wordpress/Joomla CMS design.
Information Analytics is a full service information technology company, providing web design and hosting, custom software and database development, ecommerce applications, Android and iOS app development, dedicated and co-located hosting, project management and consulting. The company has a broad range of experience with both Windows and Linux application development.


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Hong Kong bounce back against Kenya for 39-run victory in second cricket one-dayer
Captain Babar Hayat hits 78 and Chris Carter 41 as the visitors level the two-match ICC World Cricket League Championship series at 1-1
Related topics
Hong Kong revived their ICC World Cricket League Championship hopes in Nairobi on Sunday after beating hosts Kenya by 39 runs on Duckworth-Lewis to level the series at 1-1.
The victory and two precious points, following a three-wicket defeat by Kenya on Friday, gives Hong Kong a total of 11 points from eight games – the same as Scotland. Papua New Guinea and Netherlands top the eight-team table with 12 points from eight matches.
After being let down by their batting in the first one-dayer, Hong Kong were determined to keep their wickets intact and they largely succeeded in the second and final game.
Opener Chris Carter hit a measured 41 from 63 balls while skipper Babar Hayat stepped up yet again with 78 from 68 deliveries, blasting four sixes and six fours. Nizakat Khan hit 20 as Hong Kong racked up 148 for four in 24.1 overs before rain forced the players off.
When they returned, it was Kenya's turn to bat and they were given a revised target of 173 from 25 overs at a run-rate of 6.92.
Openers Irfan Karim (33 off 40 balls) and Alex Obanda (39 of 38) gave the hosts a flying start at the Gymkhana Club Ground as they reached 79 before Obanda fell to Nadeem Ahmed, who had him stumped by wicketkeeper Carter.
From there, Kenya struggled to put partnerships together and though they tried to keep up with the run-rate, wickets fell steadily and Hong Kong ended up winning with plenty to spare.
Ahmed grabbed three wickets for 23 from five overs with Ehsan Khan and Tanveer Ahmed also taking three each. Anshuman Rath claim one scalp.
Hong Kong are hoping to finish in the top two of the competition to boost their hopes of reaching the 2018 ICC World Cup qualifiers in Bangladesh.
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Bengaluru: Actor Prakash Raj, on Monday decried a "fake" statement on secularism and tolerance attributed to him. He also urged people to question fearlessly.
The actor, who has been vocal about being anti-Modi, tweeted a photograph which features his image and the lines "All Hindus should learn secularism" "Hindus have been wiped out from Pakistan, Bangladesh, Kashmir. They never sought revenge from Muslims."
"They silently embraced death. All Hindus should learn secularism and tolerance from those Hindus."
Prakash marked it as "fake news" and captioned it: "By spreading such lies, instead of debating my views, you are proving to the world how frustrated... desperate... and the cheap levels you can stoop down."
He then urged: "Dear citizens, please like and retweet this to show such cowards ...that we stand for a fearless society which questions."
Prakash has been of late quite active with his 'Just Asking' hashtag on Twitter, where he raises pertinent questions related to socio-political issues.
During a conclave earlier this month, he had commented on Prime Minister Narendra Modi, BJP President Amit Shah and BJP leader-cum-central minister Anant Kumar Hegde, saying: "I am anti-Modi, anti-Amit Shah and anti-Hegde".


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Market Stats
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Median PriceEastvale, CA
Avg Days on MarketEastvale, CA
Avg Price Per Sq FtEastvale, CA
Median Sq FtEastvale, CA
InventoryEastvale, CA
Median Market IndexEastvale, CA


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While medical patients and family members tend to entrust doctors and medical attendants with the highest degree of responsibility, to the extent of sometimes literally placing a life in their hands, there are circumstances wherein such trust may not always be proven to have been rightly placed. Doctors, like all human beings, are prone to errors and mistakes, and on occasion negligence.
Doctors miss cancer, leads to patient's worsened condition
It can be nerve wracking for Louisiana residents to go to the doctor. They may be afraid of having tests done on them, but the results of those tests could allow a doctor to accurately and adequately treat the condition, often leading to a remedied or vastly improved medical condition. Sometimes, though, those tests are not conducted or the results are misread. These mistakes can leave a patient with a worsened medical condition that can be life-threatening.


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Happy New Year my loves! Did you all have a fantastic festive Holiday? 2018 is going to be my year, I can just feel it and excited to see what it brings.
If you follow me on Instagram you'll know that I'm going through a pretty stressful time in my life with where we live. It's caused my anxiety to sky rocket but I take it day by day and try so hard to stay positive for our son Grayson.
We decided to create a Go Fund Me page to get some help with funds to move house as soon as we can. The generosity of strangers and friends makes us so incredibly grateful. We still have a way to go to hit target but we'll get there! If you wish to donate click here.
Grayson was definitely the highlight of my year and I'm truly grateful I get him for keeps. He turns 1 in 20 days and I'm not ready for it! My baby is growing up far too quickly but at the same time I'm excited for what adventures we'll have.
Outfit Details
Diner dress & Mak Sweater cropped cardigan both available at Campbell Crafts // Blue velvet belt: Taken from a Collectif dress // Snowflake brooch: Christmas gift a few years ago // Boots: Hush Puppies old ones // Hair flower: Tara Nashville Flowers // Glasses: Bonlook Keiko frames - similar ones here // Necklace & wedding ring: BMM
Due to the weather being freezing cold my outfit choices consist of wearing tights and cardigans with everything! I love swing dresses and this diner version from Campbell Crafts is easily a favourite of mine. Its made from soft cotton, pulls in the waist just right and overall fits like a glove. I went for my current sizing of UK 14 which was spot on. I teamed it with a cropped cardigan (full review of these here), tights, ankle boots, hair flower for added colour and finished with a brooch to complete the look.
Whats the weather like where you are? I know my best friend in SoCal doesn't really have Winter weather! Haha!
Whats the weather like where you are? I know my best friend in SoCal doesn't really have Winter weather! Haha!


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Smoking hot teen schoolgirl strips for her teacher and slurps on his big boner.
Album added: 5 years ago Viewed: times Porn Stars: Mandy Miller Album sponsored by: Naughty America
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PITTSBURGH -- The Steelers expect Ben Roethlisberger to play Sunday night in Baltimore despite suffering a mild concussion this past Sunday in Kansas City.
�We brought him in Monday and he took a battery of neurological tests done with our medical staff and he was asymptomatic,� coach Mike Tomlin said Tuesday at his weekly press conference. �He was fine. He passed all those tests. He felt fine.
�So given that information, we can anticipate him practicing and preparing this week, provided he remains symptom free.�
Meanwhile, backup quarterback Charlie Batch will have surgery on his broken left wrist Wednesday. He�s expected to be out two-to-four weeks. Tomlin said that if Batch�s surgery goes well and that if Roethlisberger is cleared to play, the Steelers won�t add a quarterback to their 53-man roster.
Both Roethlisberger and Batch were hurt in overtime in the Steelers� 27-24 loss to the Chiefs.
So for now, Dennis Dixon will move up from third-string to No. 2 QB.
Tomlin did say that the Steelers will sign a quarterback to their practice squad. Tomlin didn�t say who, but The Times has learned that it will be former West Allegheny High School and University of Pittsburgh star Tyler Palko.
Palko, who was at the UPMC Sports Performance Complex where the Steelers and Pitt have their headquarters, must first get his release from the Montreal Alouettes of the Canadian Football League.
In other news, the Steelers are preparing to make another roster move in an attempt to fix their struggling kickoff coverage team. They have already worked out two players currently not on NFL rosters. At least one other player will be worked out.
The Steelers have allowed touchdowns on kickoff returns in four of their last five games.
Last week, the Steelers cut linebacker Arnold Harrison and promoted linebacker�Donovan Woods from the practice squad in a move aimed to help the kickoff team.�
Tomlin also said that starters such as linebackers James Harrison and Lawrence Timmons and safety Ryan Clark could be added to the kickoff coverage team.


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Kim Irving and Associates
Kim Irving & Associates is an independent firm that works hard for our clients to meet their needs. We receive numerous referrals from buyers and sellers who have had a great experience with us. Our goal is to help you make the best financial decision possible.
We have experience in commercial, residential, income, and land properties. We offer real estate brokerage and property management services. So let us know what we can do to help you! Whether you are a first time home buyer, looking to upgrade, or are moving to a new city we will work tirelessly to ensure that you are completely satisfied with the final sale.
Whether you are buying or selling your home, office building or condo, we offer the experience and knowledge to help negotiate the best price possible for your real estate needs in the Denver, CO metro area. Making an informed decision about any sale is important but is not always easy. We will walk you through everything, step by step, and when you have questions we will happily go into more detail for you.
Real estate can have a lot of confusing aspects to it, which is why Kim Irving and Associates is always available to help! If you are thinking of purchasing a property, it is our job to find out if there are any problems you need to consider before signing your name on the dotted line - taking a lot of the mystery and risk out of the commitment.
When selling your home, you want to get the best price possible. We will certainly fight for you to ensure you receive exactly what you deserve. To find out more on how we can assist you, don't wait, call us today.
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What is a Reverse Mortgage?
A reverse mortgage (or home equity conversion, as it is sometimes called) involves selling the equity in a home while retaining the right to live in that home until death (a life estate). It turns a home's equity into regular cash payments. However, there are age restrictions on this procedure, as well as other disadvantages that might outweigh the benefits for some people.
We suggest that you seek legal counsel when pursuing such a plan.
What is a reverse mortgage?
A reverse mortgage is a type of home equity loan that allows you to convert some of the equity in your home into cash but retain your home ownership. Reverse mortgages work like traditional mortgages, only in reverse. Rather then making a payment to your lender each month, the lender pays you through advances against your equity. Unlike conventional home equity loans, most reverse mortgages do not require any repayment of principal, interest, or servicing fees for as long as you live in your home. Funds obtained from a reverse mortgage may be used for any purpose. This type of remortgage was originally designed so that seniors whose homes are paid for, or nearly so, can finance living expenses without having to sell their property.
Read the rest of What is a Reverse Mortgage? »
For more articles like this, please visit our Real Estate Investing Blog.
© 2013 by Marco Santarelli and Norada Real Estate Investments.
Your Premier Source for Turnkey Investment Property.


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As part of city-wide celebrations to mark Sir Kenneth being made a Freeman of Belfast, BBC Northern Ireland is delving into the archive for a one-off special screening.
Sir Kenneth Branagh's stellar career has involved many BBC appearances with a wide variety of small screen roles which have left a big impression.
As part of city-wide celebrations to mark Sir Kenneth being made a Freeman of Belfast, BBC Northern Ireland has delved into the BBC Archive and dusted off the first episode of the acclaimed drama Fortunes of War for a special screening on January 29 at Blackstaff Studio, Great Victoria Street.
Fortunes of War, which was based on a series of novels by Olivia Manning, was broadcast in 1987. It describes the relationship between Harriet and Guy Pringle (played by Emma Thompson and Kenneth Branagh) and the effects of war on them and the friends and world around them.
Olivia Manning's novels were informed by her own wartime experiences and her marriage to Reggie Smith. And they were influenced by local connections as well.
Alan Plater's seven-part adaptation of Fortunes of War (which cost £6.5m and was one of the most expensive series made by the BBC until that point) was critically acclaimed and helped to bring Olivia Manning's work to a new and wider audience. It's a beautifully filmed evocation of time and place and underscores Kenneth Branagh's skills as a major screen actor.
The screening event will feature episode one of Fortunes of War and will include a short introduction from Professor Eve Patten who has written extensively about Olivia Manning. She will be chatting with William Crawley about Olivia Manning's links with Northern Ireland and some of the themes that are explored in the Fortunes of War series.
There will also be the opportunity to revisit some of Kenneth Branagh's BBC television interviews in a BBC archive showreel.
This event complements other screenings being organised by Belfast City Council and Film Hub NI at locations around Belfast on January 30.
Tickets can now be applied for at bbc.co.uk/showsandtours.
It is expected that this will be a popular event and tickets will be restricted to two per applicant. Admission will be on a first come, first served, basis.


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Starting off the season with two losses spells doom for a teams chances to make the playoffs. Only 12% of teams that start 0-2 have made the big dance.
However, one team with a poor start has made postseason in the last four years. The Miami Dolphins went 10-6 in 2016, the Houston Texans went 9-7 in 2015, the Indianapolis Colts went 11-5 in 2014, and the Carolina Panthers went 12-4 in 2013. The New York Giants even won Superbowl XLII in 2007 after starting with two losses.
There are eight teams that have started 0-2, and only a few have the ability to make the playoffs.
Teams With No Chance To Beat the odds
New York Jets -The New York Jets are a complete and utter mess. They will most likely end the season with the worst record. They lack any offensive identity and have a bottom of the league defense.
Their defense has allowed 66 points which is the most points in the NFL. They have higher odds of fighting for a number one pick in next year's draft then they do fighting for a playoff spot.
Cleveland Browns -The Cleveland Browns are a few years away from being a good team, but they are not there yet. With their instability at QB and below average defense.
The Browns are unlikely to break 500. Cleveland is an another team that will be fighting for a number one pick in next year's NFL draft.
Cincinnati Bengals – The Cincinnati Bengals have only scored nine points in their last two games. They had yet to score a touchdown and fired their offensive coordinator.
The Bengals seem to be in too much disarray to turn this around. They also play in the AFC North which has the Steeler and the Ravens.
This means that they would have to win a wild-card spot and those are taken by the power division, AFC West.
Chicago Bears -The Chicago Bears have a problem at the quarterback position. With a lack of talent in their wide receivers, the Chicago Bears will not be vying for a wild-card playoff spot.
The NFC North is a stacked division, and they do not have a complete enough team to climb to the top.
Teams That Are On The Edge
Indianapolis Colts -With Andrew Luck still hurt the Indianapolis Colts are at the bottom of the AFC. Veteran running back Frank Gore can't carry this team and instability at quarterback seems to be the Colts undoing.
The Colts defense has also allowed the second most points with 62 over the first two games. With the rise of the Tennessee Titans, the Colts do not have what it takes to win the AFC South unless Luck comes back soon.
New York Giants – With two of their starting offensive tackles out Eli Manning has been sacked eight times. With virtually no pass protection, the Giants offense has only managed one touchdown.
Even though the NFC North East is open for anyone, the Giants simply do not have the offense to take it.
The only factor that could bring the Giants back is if Odell Beckham has an all-time great season.
San Francisco 49ers – The 49ers defense have had a solid two games, only giving up 17.5 points per game, ranking 9th in the league in defense. However, the 49ers offense is 31st in passing yards and 30th in points scored. This is an another team that could start winning games in a shaky division if they start producing more on offense.
New Orleans Saints – The only reason that the New Orleans Saints have any shot of making the playoffs is due to Drew Brees.
The future Hall of Fame quarterback gives New Orleans a slim chance to do anything this year.
However, if the Saints defense remains as bad as they've been then the Saints will have another mediocre year.
Teams that can beat the odds
Los Angeles Chargers – The Los Angeles Chargers have had an upsetting two weeks. They lost their first two games by missed field goals as time expired. It is unlucky if that happens to your team twice in a single year, but this happened to them in back-to-back games.
This is a team that could very easily be 2-0.


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RALEIGH --A tractor-trailer hauling concrete barriers caused major traffic problems in Raleigh Wednesday morning after it spilled its load.
The truck was attempting to negotiate a curve on Wade Avenue when the concrete barriers came off the truck's trailer and landed in the roadway.
No one was injured in the accident.
It took crews several hours to remove the debris, causing the inbound lanes of Wade Avenue and one outbound lane between Oberlin Road and Cameron Street to be closed.
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Interested in a career in welding? Then you'll want to read below for steps on how to become a certified welder (and why getting certified in welding can set you up for a successful career).
Follow these steps and you'll be on your way to getting your welding certification:
1. Complete a welding training program that's designed to prepare you for welding a certification test, such as All-State Career's Welding Technology program.
2. Practice. The welding certification exam is a practical test, which requires you to create a weld for the specific type of welding process you're testing on. Obtain a copy of the written welding procedures for the type of welding process you will be taking the exam on and practice creating these types of welds. Keep practicing until you are confident with your skill level!
3. Schedule a test in your area by visiting the American Welding Society's (AWS) website.
4. Take and pass the exam. You will find out whether you passed the exam or not on the same day. If you passed, you will receive your welding certification on the spot. In the event you don't pass the first time, keep practicing and then schedule another exam.
5. Once certified, you will need to submit paperwork to the AWS every six months in order to maintain your welding certification.
You can work as a professional welder without ever becoming certified. However, we highly recommend certification for a few reasons:
More career opportunities will be available - Certified welders are in demand across several industries, including manufacturing, automotive, construction, aerospace, and more. They have more opportunities for advancement and typically receive better pay.
A certification is tangible evidence of your skill - Certification is a great way to demonstrate your level of training and experience while job hunting. Certified welders are also more appealing to employers because statistics have shown that those that are certified have a lower rate of on the job incidents and injuries in comparison to welders who are not certified.
More Job Security - When companies reduce their welding staff, they're more likely to keep a certified welder since their certification makes them harder to replace in the future.
Contracts or project blueprints may state that certification is required - If this is the case, the welder doing the work must be certified to the correct code specified. When awarded a contract, be sure to read all requirements and ensure you are in compliance with the requirements before beginning work.
Although there is not one single certification for all processes or metals, getting certified in a one or more specific areas of interest can make all the difference in your career.
Steps to Becoming a Certified Welder
Tags: Welding, Skilled Trades, Career Prep
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All-State Career School offers programs to students ready to change their lives by starting rewarding careers. We provide postsecondary career education to both traditional and nontraditional students through a variety of diploma and degree programs that assist students in enhancing their career opportunities and improving problem-solving abilities.
"Before I started school I was living with my parents and had no car and I was working three jobs. I now have my own car, I moved into my first place in December and I am able to support myself on my own."


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This ad was nominated for an ANNAs Award
Judge's CommentMore John Lewis executions – again super simple and straightforward. More gold stars for that agency. Darren Bailes, Creative Director, VCCP
Credits2008 Copywriting Winner:Advertiser: John Lewis PartnershipAd Name: Shop AroundCreative Agency: Lowe LondonCredits: Patrick McClelland, Clive Pickering & Simon Morris
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20Q - 20 questions
I'm currently obsessed with 20Q.net! It's an online neural network that guesses your thoughts. Well sort of. Think of a thing, an animal, a metal or a plant for example, and by asking 20 or so questions it will usually have found out what you were thinking about. The really fascinating thing is the questions, they all seem so unimportant when asked but all of a sudden 20q.net has guessed your thing!


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BOONDOCKS – Mt. Valley Drive – 4 Bedroom/ 4 Bath with Pool
BOONDOCKS is a new rental property with Frio River Vacation Rentals. It is conveniently located in the Mt. Valley development, and within walking distance to the House Pasture Restaurant and Texas Music venue. The Club at ConCan and golf course is a short distance from the home. The 2 story home has 4 bedrooms/4 baths and sleeps 24 in beds. The open floor plan for the kitchen/dining/living area open up to the covered patio for your enjoyment. The new dining table seats 16 people so most everyone can sit for one of those wonderful Frio vacation meals! The washer/dryer are located just off the kitchen area. The 2nd refrigerator and picnic table/additional seating are located on the covered patio.
Upstairs there is a spacious loft located between the two bedrooms. A giant checker table, flat screen, and DVD player create an additional entertainment area inside the house. The doors in the loft area open up to a large covered balcony, if you are looking for another gathering place. Each bedroom has a ceiling fan, closet, and bathroom.
Boondocks sits on two lots with the native oaks creating some backyard shade. The full size outdoor volleyball, tether ball, and horseshoes are there for your use. Enjoy the cool waters of your spacious pool during those hot summer evenings! Of course, your home wouldn't be complete without a BBQ pit and firepit!
There are other homes in the Mt. Valley area if you need additional room. Check with your friends and family – call and reserve today!
Click here for a map to all properties
What to bring? - Click here
Be sure to read the "WHAT TO BRING?" link on the website – detail page for your home.
Pick up keys in person at our office in Concan, 289 County Road 348, Concan, TX 78838
From the Houston area : Take I-10 West towards San Antonio. In San Antonio as you travel west on I-10 stay to the left to remain on US Hwy 90 west to Sabinal
From the Dallas-Ft Worth area : Take I-35 South to Austin
From the Austin area : Take US 290 West to Fredericksburg. In Fredericksburg take Hwy 16 South towards Kerrville. At I-10 turn right and go West on I-10 to Hwy 41. Take Hwy 41 West to US Hwy 83. Take US Hwy 83 South to Leakey.
From El Paso : Take I-10 E towards San Antonio. Go past Junction and take US Hwy 83 south to Leakey
From Corpus : Take I-37 N towards San Antonio. At San Antonio take exit 139 to merge onto I-10 WestUS 87 North/US 90 West toward El Paso. Stay in the left lane to remain on US Hwy 90 west to Sabinal.
From San Antonio : Take Hwy 90 West to Sabinal
From Sabinal : In Sabinal, at the light, take a right on to HWY 127. It is approximately 20 miles to Concan. You will cross over the 1st Frio River crossing at Neal's Lodges. On your right there will be the Concan Visitor's Center, the Post Office, and First State Bank of Uvalde. The next RIGHT will be County Road 348 (locals will refer to it as River Road). You will be turning just before "Andy's on River Road" (store and tube rentals). Drive past Andy's parking lot and campground (on your left). Our office is located approximately 1,000 yards from Hwy 127. As the road makes a sharp curve to the right, our paved parking lot will be on the left. Physical address is 289 County Road 348, Concan, TX 78838. GPS does not work well in these hills – poor signal! If you follow GPS, the directions will take you about 2 miles passed our office. Some times it works, and sometimes it doesn't. We recommend that you NOT depend on GPS.
Our office building is cedar stained and has a long, country porch – above the porch as large signs of "Frio River Vacation Rentals" & "Frio River Realty".
Additional directions from Leakey & Uvalde : Country Road 348 "River Road" is one large horseshoe. The northern part of the road is between CR 350 and Hwy 127. When coming from the south on Hwy 83 (from Uvalde), when you get to the flashing light in Concan, please take a right. County Road 348 will be first intersection to the left and just passed "Andy's on River Road".
When coming from the north on Hwy 83, (Leakey area) please go passed the first County Road 348 sign and continue driving to Concan. You will turn left onto Hwy 127, then less than ¼ mile you will turn left onto County Road 348 (the southern entrance of the road). Our office is on the left just after the first sharp turn to the right.
Additional directions to your vacation home will be given to you at check in. Please share these directions to our office with everyone in your group. AT&T is the best cell service provider. Our contact phone number is (936) 524-4545


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Modus Ponens Defended
Is modus ponens valid for the indicative conditional? McGee [1985] famously presents several alleged counterexamples to this inference rule. More recently, Kolodny and MacFarlane [2010] and Willer [2010] argue that modus ponens is unreliable in certain hypothetical contexts. However, none of these attacks undermines an informational conception of logic on which modus ponens is valid.


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Washington DC Wedding Photographer : Stephen Gosling Photography
Super early morning Cherry Blossom session #3 of 4!
Lucia & Jacob were the cutest! You can't beat a couple that fully understand my sarcasm, and play along for the fun of it!
More to come…
Contact Stephen about your wedding – firstname.lastname@example.com
View Stephen's Wedding Portfolio – www.goslingphotography.com


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Civic District Outdoor Festival offers the first outdoor multimedia circuit, across six programme zones and over 40 outdoor and indoor programmes by four iconic institutions
4 August 2017 – The Civic District precinct is set to transform with the inaugural Civic District Outdoor Festival: When Time Stood Still. Held over the first two weekends in August, visitors to the Civic District Outdoor Festival can look forward to an inaugural Projection Trail with multimedia projections being mapped onto four heritage buildings for the first time, including the façade of National Gallery Singapore. Put together by a Singapore creative team, this immense Projection Trail will be the largest outdoor multimedia circuit featuring the story of "Hemera's Dream" through a poetic and imaginative exploration of the Festival's creative theme – When Time Stood Still.
Themed 'When Time Stood Still', the Civic District Outdoor Festival will offer visitors a suite of immersive art installations, art market, food street, enthralling roving acts and live music sessions that aim to extend the art experience beyond the walls of the art and cultural institutions in the Civic District. By featuring artworks outdoor and allowing it to be a part of the Civic District landscape, visitors are offered a unique and immersive experience by four arts and culture institutions in the Civic District, which for the first time have come together to showcase an extensive suite of engaging exhibitions and programmes.
The Civic District Outdoor Festival is presented by National Gallery Singapore, in partnership with The Arts House, Asian Civilisations Museum and Victoria Theatre & Victoria Concert Hall. Known as the birthplace of modern Singapore, the Civic District has been transformed into a vibrant precinct with these arts and cultural institutions housed in the country's most historic buildings. These timeless monuments, which span 200 years of Singapore's history from the colonial period through to World War II and independence, now showcase art and culture for the enjoyment of Singaporeans and visitors from all over the world.
Said Ms Suenne Megan Tan, Festival Director, Civic District Outdoor Festival, and Director (Audience Development & Engagement), National Gallery Singapore, "The Civic District area has had a long tradition as a common, shared space where people from all walks of life meet to interact and bond, with food, displays of crafts and performances which were enjoyed by all communities. The four heritage monuments – National Gallery Singapore, Asian Civilisations Museum, The Arts House and Victoria Theatre and Victoria Concert Hall, have inter-connections through history. The Festival aims to form new connections through art and culture, now that these institutions house content that span across the visual, performing and literary arts, making this the artistic and creative pulse of the Civic District."
Some Festival highlights include:
- Hemera's Dream: Outdoor Projection Trail, an imaginative exploration of 'When Time Stood Still' with multimedia projections being mapped onto the facades of National Gallery Singapore, The Arts House, Asian Civilisations Museum and Victoria Theatre & Victoria Concert Hall
- Intrude by Amanda Parer, a stunning installation of large illuminated inflatable rabbits of varying heights with the tallest being 7-metres tall, by Tasmanian artist Amanda Parer that will be shown in Singapore for the first time in the heart of the Padang
- The Time Vortex by Adeline Loo, an outdoor installation where Loo responds to the festival's theme "When Time Stood Still" with her own version of a time tunnel. Comprising strings forming a vortex, this structure of trans-dimensional planes encourages viewers to explore the notion of time stopping, much like when Hemera and Aether left the cosmic clock at a standstill.
- Aether's Art Market, a creative marketplace where visitors can buy one-of-a-kind pieces by Singapore artisans and craft makers
- Hemera's Feast, which offers gastronomic delights to fuel visitors at the event
- A Dragon Behind The Door & More! held at Empress Lawn, a dynamic interplay of puppets, music, and larger-than-life characters for an immersive experience of theatrical performance and craft activities
- Live performances and roving acts by Singapore musicians and song-writers, such as Inch Chua, Joie Tan, Jack & Rai, MICappella, Nat Ho & Gayle Nerva,
- Alvin, Naz & Sara (53A), M1LDL1FE, STUART, Jill-Marie Thomas, ShiLi & Adi, Charmaine Pelaez, HubbaBubbas and many more
- Open House programmes and extended opening hours at National Gallery Singapore, The Arts House, Asian Civilisations Museum and Victoria Theatre and Victoria Concert Hall.
"With six programme zones, it's time for everyone to get outdoors and enjoy the Civic District with us. The programmes are specially curated for visitors to rediscover the Civic District in fresh ways and to experience Singapore's creative and artistic expressions in the heart of the city," said Ms Tan, "And beyond the two outdoor zones of the Padang and Empress Lawn, visitors are invited to explore the four indoor Open House programme zones offered by National Gallery Singapore, Asian Civilisations Museum, The Arts House and Victoria Theatre and Victoria Concert Hall."
The Festival, runs across two weekends on 4 – 5 August 2017 and 11 – 12 August 2017, offering art experiences both outdoors and indoors, with programmes running till late. National Gallery Singapore and Asian Civilisations Museum will also be extending their opening hours till midnight.
Civic District Outdoor Festival: When Time Stood Still is proudly supported by development partner, Tote Board and programme partner, National Arts Council.
"Tote Board is happy to support the inaugural Civic District Outdoor Festival, with a rich tapestry of art and culture complemented with the history of the museums in the civic district. Singaporeans from all walks of life can enjoy the festival and appreciate the excellent art and culture being presented by National Gallery Singapore," said Mr Fong Yong Kian, CE, Tote Board.
Ms Chua Ai Liang, Senior Director, Engagement & Participation, National Arts Council said, "The arts are a great way to bring people together, especially in outdoor spaces. We want both Singaporeans and international visitors to experience the Civic District, through the exciting programme that has been lined up and the showcase of home grown talent. We're confident the inaugural Civic District Outdoor Festival will grow to become a much anticipated and distinctive offering on our cultural calendar."
The Festival also kicks off two major festivals at the heart of the city in August, aimed at bringing art and culture closer to the people. Visitors can look forward to the Civic District Outdoor Festival at the start of the month, and ending with the Singapore Night Festival at the month's end.
Admission to the Festival is free. St Andrew's Road will be closed during the two weekends on Friday and Saturday from 4pm till 1am.
For more details about the Festival's activities and programmes, please refer to Annex A. You may also visit www.civicdistrictoutdoor.sg.