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Dining: Chicks and dudes will love Chicken Salad Chick
Chicks have their own flicks and now - apparently - restaurants.
But don't be fooled by Chicken Salad Chick's more feminine-inspired interior, with celery and avocado green-colored walls and tomato-red pansies painted on them.
Men inhabit this place too, drawn to the 16 choices of chicken salad, as they were on a recent weekday afternoon. And also may have been the welcoming atmosphere, the staff who checks on diners a few times per meal and cleanliness.
The toughest part of dining at this Auburn, Alabama-based chain is deciding what to eat. The best option is the Chick Trio ($9.49), where you choose from three chicken salads. My choices: the Fancy Nancy (chicken salad with Fuji apples, pecans and seedless grapes); Sassy Scotty (blend of ranch, bacon and shredded cheddar cheese); and Buffalo Barclay (a zesty Buffalo wing flavor).
Surprisingly, the salad trio brought a different taste to the table. Fancy Nancy still included whole white grapes, which is preferred to having them ground up; Sassy Scotty proved a bacon-lovers dream but was not overpowering with actual shreds of cheddar throughout; and the Buffalo Barclay was my gamble that paid off, with a chicken wing flavor that was spicy enough but won't offend those who prefer their wings mild.
All three chicken scoops come with wheat crackers to spread them on and a pickle.
The soup of the day ended up as my other solid choice: artichoke and chicken with potatoes in a creamy broth.
Flavor stood out again, a nice surprise from a place that seemed just another lunch stop. All of this would have served nicely as dinner because it was all filling, as my dining companion and I agreed the Chick Trio is perhaps the best way to try a variety of items.
He also agreed about the amount of food served. The Gourmet Chick special proved to be quite filling for lunch. At $8.99, the order came with a choice of any sandwich or scoop, two side items, a pickle spear and a cookie.
My lunch partner enjoyed the residual heat from the Jazzy Julie sandwich on wheat. The spicy mixture of chicken salad is jazzed up with cayenne pepper, bacon and shredded cheddar.
Choosing the scoops of chicken salad may be a better way to truly taste the creations, though. We found the subtle tastes get gobbled up a bit in the bread.
Both accompanying sides were just OK. The fresh fruit and broccoli salad were great options, but they really were nothing special. Other choices include pasta salad, grape salad and potato chips.
And Chicken Salad Chick offers delicious fresh-brewed tea (sweet and unsweet) along with sodas.
The white chocolate chip cookie was soft, chewy and seemed freshly homemade. It was a nice finish to a different kind of lunch.
The Chicken Salad Chick obviously gears up for female patrons, with Michael Buble quietly singing Sinatra standards in the background. And there's black-and-white photos of Naples along a wall, with tall grass flowing from vases set on small, dark-brown wood shelves.
Yet guys should try it too, with tasty, freshly made and hearty food.
4 forks out of 5
What: Fast-casual chain of restaurants primarily serving chicken salads and sandwiches with outdoor seating as well.
Where: 11180 U.S. 41 N., Naples
Prices: Fresh sides, such as grape and pasta salads from $2.69; soups, $3.69 (cup) to quart for $12.99; 16 flavors of chicken salad, at $10.99 per pound; specials include choice of samplings of chicken salad, with crackers and pickle slice,l for $9.49; sandwiches (non-chicken) $6.49; desserts from $1.19
When: 11 a.m. to 7 p.m. Monday-Saturday; closed Sunday
More information: chickensaladchick.com or 239-431-5678


text:
The Uncensored Household
Luxurious velvet in your mouth made in 30 minutes.
Thanks Jamie Oliver. x
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Secret Santas are great fun but can be quite tricky if you are buying for someone you don't really know. In the past I have had great Secret Santas andbad ones!!!
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subset: commoncrawl


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Managing An Attack of Hives
Disclaimer: I am not a doctor. I am not a nurse. I do not even play a doctor or a nurse on the Internet. But I have been unlucky enough to suffer from poison ivy on N (N rounds up pretty high; it involves the number of fingers on both hands) occasions so I know a lot about suffering through itchiness. And I've had hives myself.
I recently watched a dear, dear friend come down with hives out of the clear blue. One day they were fine and the next day there were "an itchy, splotchy mess". Hives are one of those things that generally are an allergic reaction that you never quite understand. They come over you, your life sucks beyond belief and then they go away. As another friend would say, "How Rude!".
We ultimately figured out a good way to help deal with the itchiness but it took about a day so I thought I'd write down some tips and recommendations. I know this is not the sort of content I usually produce but it made at least one person's life better so …
Managing Hives or Poison Ivy
Here are some techniques for managing hives or poison ivy:
- Cool water; never hot. Getting under a hot shower with an itchy condition actually feels good but it is a complete mistake. It seems to reactivate the underlying cause.
- Benedryl. If you're looking for a medicine and don't mind the associated drowsiness, Benedryl really does help.
- Colloidal Oatmeal Bath. If you have the ability to soak in a tub, a cool tub filled with the Aveeno Oatmeal works well. Or you can make your own.
- Spray Benadryl. This is a topical spray and while it makes you sticky, it provides solid relief.
- Gold Bond Ultimate Eczema Relief. This is a colloidal oatmeal lotion and it has specific ingredients (since its an eczema solution) to "deal with the itches".
- Zanfel. I listed this last but it is ABSOLUTELY THE BEST THING EVER for hives or poison ivy. It is ridiculously expensive ($50 for a tube in downtown Chicago) but it is completely worth it. Follow the directions exactly and it provides fantastic relief.
Of the recommendations above, #6, Zanfel, is the best. You won't want to spend the money but it really is worth it. #5 also comes very, very highly recommended.


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Real-time Payments: Benefits and Continued Challenges in 2020
With the challenges being brought by COVID-19, markets are unsure at best and financial institutions are being forced to make big decisions daily to continue to provide service to customers and help to their employees. While this is the current climate, efficiency and speed of payments are still top of mind.
For financial services organizations across the globe, the restructuring of payments to make the process leaner, faster and less complex has been a priority for years. Yet while some countries, including India, who recently received a 5+ rating for its real-time payment system, Australia, Denmark, Poland, Romania, Singapore and Sweden, who received a 4+ rating,[1] have implemented instant, or real-time payments, others, like the U.S., have been slow to adopt the process. Understanding why it's happening in some places and not others is as complex as payments themselves. So, why bother? Why real-time payments? Because, according to a recent report from Deloitte, "Real-time payments enable people, businesses, and governments to make payments more quickly with funds immediately available for use."[2] Simple, right? Getting there is not so simple.
Demand for faster payments
Let's first explore why we believe there is global demand for faster payments. Today, consumers expect instant transactions – when we buy goods and services, when we pay bills and get paid. For companies, having instant payments means greater liquidity, which makes it easier to borrow money, make large purchases, and maintain positive status with vendors (all of which are far more important in times of economic uncertainty). Other factors, such as advancements in technology, increase demand for faster payments. APIs, for example, are enabling non-bank, 3rd-party apps like Zelle, PayPal and Venmo to transact instant payments between parties. The open banking concept and universal desire to eliminate paper checks are also driving innovation and faster payments, as are regulations such as PSD2 in Europe.
For the financial system, the slow speed of non-real-time payment processing basically locks up money, making it unusable by consumers and businesses during processing. This can be a substantial amount of money at any given time (the average daily value of checks being processed in Germany in 2016, for example, was $654M2), especially in places like the U.S. that still write billions of checks per year. Freeing up this money would keep it in circulation – and in use – rather than locked up. In addition, the cost of check processing is significantly higher than real-time electronic payments, at $2.79 and $1.95 per transaction2, respectively.
Benefits of real-time payments for financial institutions
Real-time payments and new payment models can:
- Stimulate consumer spending and boost revenue
- Reduce payment costs and enable higher value services to customers
- Engage new customer segments
- Reduce fraud risk
- Improve long-term customer relationships
- Enable innovative new product offerings to increase market share
Of course, banks need to start preparing for real-time payment ubiquity.
Understanding Real-time Payments Today
According to Deloitte, the main aspects of real-time payment systems are:
- Authorization – certification of the payment
- Posting – funds are made immediately available to the transaction
- Settlement – instant settlement of outstanding obligations between financial institutions
- Notification – payee receives the funds and payer receives confirmation of the transaction
All four of these processes must happen instantly in order for a real-time payment to occur. There are multiple initiatives today that are moving the needle toward widespread use. For real-time payments in the U.S., The Clearing House (TCH) Real-time Payments (RTP) system is being used by larger financial institutions to clear and settle payments. Customers of connected institutions can transfer funds to others that are connected to RTP within minutes. Reconciliation occurs several times per day and the system is limited to only those connected to the system.
The U.S. Federal Reserve announced, after much deliberation and input from both politicians and banks of all sizes, that its FedNowTM Service, an around-the-clock real-time payment and settlement service, will launch in 2023 or 2024. While this may be good for smaller banks, those that invested nearly a billion dollars in RTP may see it as competition, or a hindrance to real-time payments for all.
In Asia, Immediate Payment Service (IMPS) and Unified Payments Interface (UPI) in India, Real-time Retail Payments Platform (RPP) in Malaysia, PromptPay in Thailand, Fast And Secure Transfers (FAST) in Singapore and Faster Payment System (FPS) in Hong Kong are some examples of payment systems that developed under the supervision of the respective monetary authorities.
Wherever they are in the world, in order to utilize real-time payments management software or systems, banks need to prepare their backend systems to integrate with others. For many, this type of modernization falls within current initiatives for digital transformation, and therefore is part of a much larger picture that cannot take place overnight.
"While many successful RTPs solutions have flourished, there remains a critical lack of a uniform comprehensive infrastructure, and alleviating this will require countries to set up their own domestic infrastructure at a significant cost—it can range from €45.54 million to €0.91 billion."[3]
So where does this leave us?
Even with economic changes happening daily, we will believe Payments trends of 2019 continue today, with most financial institutions making use of standards such as ISO 20022 to improve continuity and global exchange. Enabling open banking to increase products and services as customers demand them, utilizing APIs to address global payment needs and empower customers – all of these objectives, for now, are still on the docket.
Where does your organization stand on real-time payments? The SEEBURGER financial services team is here to discuss your payments systems and the future of payments in your market.
[1] "54 countries have activated real-time payment systems," Finextra.com, September 19, 2019.
[2] "Economic Impact of Real-time Payments," Deloitte, July 2019.
[3] Real-time payments in Asia: An opportunity for the entire financial ecosystem by Rama Sridhar, May 16, 2019
Get in contact with us:
Please enter details about your project in the message section so we can direct your inquiry to the right consultant.
Written by: Ulf PerssonAs SVP, Global Analyst Relations and Business Development, Ulf is responsible for global analyst relations and strategic business development, including strategic sales and marketing strategies, technology and market initiatives, and leadership related to SEEBURGER Integration (technology, platform, solutions, cloud integration services, etc.). Ulf works across multiple industry verticals such as Financial Services, Automotive, Logistics, Utilities, Retail, CPG and Manufacturing. Ulf has more than 30 years of global business and technology experience working with product and solution delivery of integration technologies (EAI, EDI, B2B, MFT, API, etc.), Analytics and Big Data, Mobile, Cloud Services, Digital Transformation and various industry initiatives. Before joining SEEBURGER in October 2016, Ulf worked in various global leadership roles with international business integration technology and cloud services providers.


text:
Long before Ghost Chips, and "don't use your back like a...
Another curious slant on road safety education
A 70s NFU bush safety educational film
A feature film with plenty of road rule breaking
A short film featuring a wet weather car accident
A rainy, noir short film
A feature film featuring car wrecks and accidents
More noir time travel
More 50s traffic safety lessons
More ghostly 50s road safety lessons
Another quirky road safety film
More troubled souls in bad weather at a bus stop
Another date with destiny
A water safety film from the same year
A short film set after a car crash
More 50s traffic safety lessons
Another wacky purgatorial road crash
Another tragic bus stop
Also directed by Michael Forlong
Also directed by Michael Forlong
A contemporary public safety film
Also directed by Michael Forlong
Deer Hunter-inspired drink driving lessons
Contemporary road safety
Another offbeat angle on safe driving
Another near-death experience
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Essays on Financial Economics and Macroeconomics
Agarwal, Ruchir
MetadataShow full item record
CitationAgarwal, Ruchir. 2012. Essays on Financial Economics and Macroeconomics. Doctoral dissertation, Harvard University.
AbstractThe first chapter studies mass layoff decisions. Firms in the SP 500 often announce layoffs within days of one another, despite the fact that the average SP 500 constituent announces layoffs once every 5 years. By contrast, similar-sized privately-held firms do not behave in this way. This paper provides a theoretical model and empirical evidence illustrating that such clustering behavior is largely due to CEOs managing their reputation in financial markets. The model's predictions are tested using two novel datasets of layoff announcements and actual mass layoffs. I compare the layoff behavior of publicly-listed and privately-held firms to estimate the impact of reputation-based incentives on cyclicality of layoffs. I find that relative to private firms, public firms are twice as likely to conduct mass layoffs in a recession month. In addition, I find that the firms that cluster layoff announcements at high frequencies are also the ones that are more likely to engage in mass layoffs during recessions. My findings suggest that reputation management is an important driver of layoff policies both at daily frequencies and over the business cycle, and can have significant macroeconomic consequences. In the second chapter I present a theory of the safe assets market and make three central points. First, the quantity of safe assets has a strong influence on equilibrium risk premium and households' willingness to hold risky assets. Second, the banking system and its regulation largely determine the quantity of safe assets (money-like claims) available to households. Lastly, by regulating banks' safe asset creation, central bank policy influences risk premium even in a flexible-price world. I show that the optimal central banking policy involves managing risk in the economy, which sometimes calls for large interventions. The third chapter studies the asset allocation decisions of investors and central banks. This chapter identifies the fundamental drivers for these decisions and determines whether their influence has been altered by the global financial crisis and
subsequent low interest rate environment in advanced economies. The fourth chapter analyzes the welfare losses of taxation in a simple dynamic moral hazard model under symmetric information.
Terms of UseThis article is made available under the terms and conditions applicable to Other Posted Material, as set forth at http://nrs.harvard.edu/urn-3:HUL.InstRepos:dash.current.terms-of-use#LAA
Citable link to this pagehttp://nrs.harvard.edu/urn-3:HUL.InstRepos:9295156
- FAS Theses and Dissertations [7063]
Contact administrator regarding this item (to report mistakes or request changes)


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Yorkshire > West Yorkshire > Hipperholme cum Brighouse > Owler Ings Mill
Aerial photographic view of Owler Ings Mill (Hipperholme cum Brighouse, West Yorkshire).
Map of Hipperholme cum Brighouse with its 22 textile mills.
Get the conversation started by leaving the first comment on Owler Ings Mill using the specific Owler Ings Mill comment form.
Yorkshire textile mills, 2010-22. This site is kindly hosted by Cédula de habitabilidad.


text: I have kept a journal, where I can safely express the deep longings and raw struggles of my heart for decades. It is Lois 1.0 where I pour out my soul to God. Unedited. He can handle it. But writing poetry is different. For me, at least, that is a process of elimination, purification andContinue reading "Heart Surgery"


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Prime Minister Narendra Modi and Uzbekistan President Shavkat Mirziyoyev have expressed their continued commitment to take India-Uzbekistan strategic partnership to a new and higher level. A Joint Statement issued yesterday after the virtual Summit held between the two leaders said, India and Uzbekistan have agreed to work towards an early conclusion of Bilateral Investment Treaty to facilitate investment promotion and protection for further improvement of trade and economic cooperation. The Indian side confirmed the approval of a 448 million US dollar Line of Credit to be extended by India for four developmental projects in Uzbekistan in the fields of road construction, sewerage treatment and information technology. The Indian side reiterated its commitment to further deepen the development partnership between India and Uzbekistan, including under the framework of India-Central Asia dialogue.The Uzbek side conveyed its desire to explore the possibility of implementing priority developmental projects in Uzbekistan as part of the one billion US dollar Line of Credit offered by India for Central Asian countries during the second meeting of the India-Central Asia Dialogue.
Noting the importance of a safe and secure regional environment for development and prosperity, the two sides agreed to cooperate in addressing threats and challenges to national as well as regional security. Both sides agreed to further strengthen cooperation between the law enforcement agencies and special services of the two countries, including under the framework of the Uzbekistan-India Joint Working Group on Counter-Terrorism.The leaders strongly condemned terrorism in all its forms and manifestations and reaffirmed the determination of their countries to combat this menace by destroying terrorist safe-havens, networks, infrastructure and funding channels. They also emphasized on the need for every country to ensure that its territory is not used to launch terrorist attacks against other countries. Both sides also called for an early finalization of a Comprehensive Convention on International Terrorism. The leaders noted that establishment of peace and stability in Afghanistan is of great importance to the security and stability of the entire region. They called for the settlement of the Afghan conflict on the principle of Afghan-led, Afghan-owned and Afghan-controlled peace process.
Both sides agreed to strengthen their cooperation, including through mutual support, in the United Nations and other international and regional organizations. They called for comprehensive reform of the UN structures including the Security Council with expansion in both categories of membership. Uzbekistan reaffirmed its support to India's candidature for permanent membership of the UN Security Council.
Earlier, India and Uzbekistan signed nine Agreements and Memorandum of Understandings, MoUs in various areas including in the field of Solar Energy, Digital Technologies and on High Impact Community Development Projects (HICDP).


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Not very many people live in South Dakota, but a lot of people drive across it going somewhere else. A few come to the tourist attractions in the western part of the state, often on their way to other vacation spots. So most people see I-90 and get convinced this is one of the most boring travel locations in the U.S.
Now there is a big exception to this and that is bikers (motorcycles, not bicycles, this is a tough place to bicycle across). Certainly all the publicity about Sturgis has put South Dakota on the map to attract bikers (and they are here in droves), but I think that interest probably started even before Sturgis was such a big deal.
When I moved to Great Plains from California I was initially terribly disappointed about the lack of places to "go for a drive". Around the Bay Area in a few hours you can reach wildly different and scenic places, plus have lots of fun driving roads (for cars, or motorcycles, or bikes) But in Omaha I can drive for hours and hardly see any change in what I see outside the window. And in many ways South Dakota is even worse. Driving from Omaha to Rapid City (where I am now) in one day is certainly one of the most boring and tiring drives you can find.
BUT, with a little luck you can do a lot better than that.
Due to lack of places to go, to get out of home, I started doing geodashing, which is an Internet "game" to find randomly generated coordinates. The slogan of the game is "getting there is all the fun". This has been a huge help to me. The 'there' for most dashpoints is just a farmer's field, usually corn and thus of little interest. But getting there, esp. finding backwoods routes can be an adventure.
And that's what I've found about South Dakota. If you only experience South Dakota via I90 or even getting off for the Black Hills for a quick look at Mt. Rushmore (or worse, the actual tourist trap attractions) or a quick pass through the Badlands you will miss a lot.
Since I was looking for dashpoints my route from Valentine, Nebraska to Rapid City bypassed most of the major roads (briefly on US83, on I90). And out in the wide open nowhere there is stuff to see that is certainly different from wherever you call home. The real thing is that the scenery is "micro" rather than the "macro" of a Yellowstone or Glacier or Yosemite or Big Sur or Napa. But it's there, just a bit more hidden and subtle.
And that's the interesting point of South Dakota. If you expect to be wowed you'll mostly be disappointed. But if you get off on some backroads and open your vision to what is actually there you can find some pleasant surprises. In my budget I rarely get to eat at expensive restaurants (like my favorite, Domain Chandon) so it's a treat. If I could afford to eat there all the time it would get boring to. And that's my point – after miles and miles of open prairie grasslands when you descend into a river valley or see an erosion feature along the road, the rarity of those treats increases their value. So rather than see the boring, look for the interesting and you'll find it.
Also 15 years of living in flat country has gradually changed my perspective. Craggy coastlines, soaring mountains, lush forests used to catch my attention. But gradually I've learned to like the prairies. There is a nice kind of solitude there. Once, driving on a backroad near the Missouri River (in South Dakota) I stopped for a stretch. And outside the car I found an environment more alive than one experiences at 60mph. Birds singing, clear and cut air with a good feel, more plants species (when you look closely) than you can imagine. I spent an hour just soaking it in. Some people already liked prairies, I had to learn to like them.
So next time you pass through South Dakota check your maps more closely and take a few hours to get off I90 and find an alternative route, some backroad that may not even be labeled on your map (I use detailed computer maps with every road that ever existed, even many that no longer exist, so I really get off the main roads). Stop in some isolated place, especially with little traffic. Get out. Look around, not just left and right, but up and down. Smell the air. Listen to the sounds (ideally with no manmade sound). There is good stuff to consume, it's just hiding a bit and takes some searching to find. And perhaps when you do find something it will be even more interesting due to the monotony of the rest of the drive.
Now, the question is, can I find something in North Dakota? I just hope I get my toe fixed here so I can continue on my trip. I've only been on I94 in North Dakota (which might even be more boring than I90) so hopefully I can have the chance to find some micro-features there as well. And, btw, get off I80 too, when you cross Nebraska, there's interesting stuff there as well.
Most people think of the Great Plains states as "flyover" states. You look down out of an airplane and don't see much. The minutes and hours roll by and even at jet speeds there is little change.
When spaces are large and open, the big picture is pretty boring, so it's the little details that can be unexpected and pleasant surprises.
Look for them, they're there.


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Cocktails with Andrew$510 current bid
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Enjoy a cocktail party with Andrew Grams and ten of your friends at Libby Hoeft's home, complete with delicious appetizers, cocktails of your choice, and great conversation!
Donated By Libby Hoeft, Andrew Grams


text:
It has been incredible
to witness Israel's reaction and rejection of the announcement of the day of YEHWEH's vengeance.
of you truly are going about your lives as they were in the days of Noah with no fear and your heads are buried in the mire
of your false beliefs that you cling to and July 19th will come upon you as a thief in the night.
There is no fear and our Creator's word has no place in your rebellious hearts.
You love
washing in the make believe blood that pours out of your false images of our Messiah that you believe into.
I had one person write me recently and tell me how they are dependent on Yehshua's blood for their salvation and
not the Torah.
What this person said is typical of those of you in christianity who claim that
you are cleansed by His blood but reject nearly everything that He spoke about obeying His Father's Torah and repenting.
Your hypocrisy is off the charts.
You not only trample His shed blood under your feet,
you urinate and defecate on it by speaking that you are covered by it in your arrogant hypocrisy while rejecting the terms
to have it cleanse you.
Your false worship is abominable and it is filthy to YEHWEH Elohiym and
you are clothed in soiled garments and you are naked and full of shame before His face.
You are
so arrogant that you do not have any shame in you for your filthy garments that are washed in make believe blood.
With the exception of a few people, I have not witnessed any fear whatsoever that YEHWEH has once again risen up
His servant early to warn you of what is coming.
For the most part, there has only been scoffing
and mocking from what I have witnessed.
When Yehshua was speaking to the religious hypocrites
of the day He told them that they say in their hearts that they would not have killed the prophets like their father's had
Then He said to them;
Matt 23:31-34
Wherefore you are witnesses unto yourselves that you are the children of them which killed the
32 You will
fill up the measure of your fathers.
You are serpents and you are a generation of vipers, how will you escape the judgment of the lake of fire?
34 Wherefore, behold, you will kill and crucify the prophets
and wise men and scribes that I send to you and you will scourge them in your assemblies and persecute them from city to city:
It has been amazing what I have witnessed as I have traveled from city to city.
of you have just laughed at me in your hearts instead of fearing that the day of His judgment is upon you.
I have not experienced any physical persecution as of yet because I am sure it is being held back.
Yet it is prophesied to come and it is prophesied that most of you will be happy that I am shut up when it happens.
Yehshua said;
John 16:2
2 They
will excommunicate you from them and the time will come that whosoever kills you will think that he does Elohiym a service.
Those of you who are in christianity want nothing to do with anyone living in the truth or speaking it to you and
you excommunicate them from you.
I remember back when I was coming to my Father's call and coming
out of the lies how I would go to the false shepherds of christianity to talk to them about what He was revealing to me.
They wanted nothing to do with me after I talked to them about what the scriptures say about obeying His word.
And if I tried to speak with them again, they would not even answer the phone.
It was
incredible to witness this.
Even today, I almost never hear back from the false shepherds when
I send them the truth about what YEHWEH's word says about living by His every word.
They want
nothing to do with it and they do not even respond.
They do not even try to debate what I speak
to them because they know that they cannot.
I have been sent to you in christianity mocking your
make believe "g" guy and mocking your make believe "j" guy that you worship.
do so boldly because you worship a make believe image of who the true Creator and His Son are.
would think that your false shepherds would rise up against me to tell me how what I speak is wrong but they cannot.
Instead they just claim to others that I am false without showing where I am not in agreement with what YEHWEH's
word says as recorded by the prophets and the eye witnesses.
This is also what the individuals
do who write me and tell me that I am wrong.
You say that I am wrong but you cannot show me where
I am wrong according to the true scriptures because they testify to what I have spoken.
They testify
against the abomination of your religion.
Some of you send me the abomination of desolation Saul
of Tarsus's writings to make a claim that I am wrong.
You would think that the light bulb would
turn on in your tiny brains since you actually have to use his writings to prove me to be false and that you cannot find any
of the true scriptures to use to do so.
But the light does not come on because you love your make
believe blood that you wash in and the true word has no place in your rebellious, uncircumcised hearts.
It really is incredible how willfully ignorant nearly all of you are willing to be now that I have been sent in lieu
of the prophecies in His word that testifies that He has sent me to you and why.
Especially since
you claim that you believe these scriptures.
You would think that you would have at least a little
bit of fear considering that one has been sent to you fulfilling all of the prophesies that were recorded thousands of years
ago that the end time messenger of the covenant was to be sent with and to fulfill.
But there
is no fear; therefore there is no knowledge of truth in you.
You could care less that YEHWEH gave
us His promise that when one escapes from the captivity and is sent to you with the Ezekiel 24 sign that you can know He has
sent him.
You could care less what the rest of the prophecies that are being fulfilled say.
You have no regard for what is being restored because you love swimming in your cesspool.
I have traveled across this filthy country I have been proclaiming that you are dead people before YEHWEH's face and that
you are unclean to Him.
His Son said;
Matt 8:22
Follow after me and let the dead bury their dead.
after Him is walking as He walked.
When He said this He was saying that anyone who is not walking
as He walked is like unto a dead person.
And the Torah clearly says that dead people are unclean.
But as I have explained this to people what I see from nearly all is laughter or unbelief in their hearts.
What has been revealed about this dead people statute is such a straight forward magnification of the Torah.
It is impossible to refute it yet people still think it is a laughable matter.
You would think that upon hearing this you would fear being as a dead person in YEHWEH's eyes since it is His word
that testifies that you are dead if you are not walking as Yehshua walked but most of you do not fear.
You have no fear of not being found in His favor because you are drunk on the wine of your fornication to Him.
Your wine is make believe blood and your fornication is you sleep in satan's bed and he is your father because he
is the father of the lies that you believe into.
You believe into the lies of christianity instead
of believing into YEHWEH's righteousness that His word testifies to.
I read a headline on CNN
It said;
100 million bake under intense U.S. heat
The article started off saying;
(CNN) -- About ONE IN THREE Americans sweltered under heat warnings, watches
or advisories Friday as extremely high temperatures spread across 27 states, dealing out misery and threatening lives.
Heat warnings, watches or advisories were posted across 730,000 square miles
of the United States, an area roughly the size of Mexico, CNN meteorologist Brandon Miller said. About 100 million people
were affected, he said.
Do you think this news is a coincidence in lieu of me recently
burning a third of my hair per the Ezekiel 5 prophecy?
The headlines are full of coincidences
like this nearly every day.
A day or two after I was spit out of the plain in Miami like Jonah
was spit out of the great fish I read a head line where it said 20 co-workers in Iowa had stepped forward to claim a 241 million
dollar jackpot.
This was quite the coincidence considering that I had produced a video a few weeks
earlier on May 26th called "7 Billion Will Die".
In this video I discussed
how a prophecy in Revelations 11 testifies that 7 billion will die in the coming days.
And in
this video I spoke that the arithmetic shows that this means that 241 million will be delivered into the millennium.
Is this headline just another coincidence since these 241 million people being delivered is going to be like them
hitting an incredible jackpot?
I also read a headline that said the moon was blood red somewhere
on the night of May 26th after I produced this video.
It also must have been a coincidence
that I was spit out of the plain 30 days from July 19th in lieu of the prophecies about His wrath being accomplished
in 30 days' time.
Especially since I had absolutely no control over being sent back on this day.
The other day a man told me that in the 2012 movie, where they depicted the destruction of the world, he said the
end came in a summer time setting.
Is it possible that the producer of this movie was inspired
by our Creator to produce this apocalyptic event happening in a summer time setting of 2012?
since all of the 2012 hype is for December 21st with all of the Mayan non-sense.
would think Hollywood would have made the movie in a winter time setting in lieu of this but they did not.
There sure are a lot of coincidences that point to what I have spoken about what will happen in just 20 days, this
is for sure.
The scriptures that speak about the summer fruits associated with the end time prophecies
must be coincidences as well.
And it must be a coincidence that Isaiah prophesied that the one
who would bring the command for us to cover our heads in the last days would be the one who would proclaim the day and they
year of YEHWEH's vengeance.
There have even been some incredible coincidences like the
Japan tsunami being prophesied about ahead of time through me that even connects this tsunami to July 19th.
I have spoken about this event in another video but I will do so again today since I am hitting a couple of these
The first date that I was led to prophecy about was January 15th, 2011.
This date fell on the 10th day of the 10th month on our Creator's calendar which is the day
that Nebuchadnezzar came against Jerusalem.
I was led to produce a video a couple of days prior
to this called January 15th, 2011.
In this video I spoke about the verses in Deuteronomy
7 where Moses recorded that YEHWEH will bless them that love Him and keep His commandments for a thousand generations and
how He will repay those who don't.
I said that He is not going to deny all from being repaid for
every idle word and that all will be brought into His judgment.
Then 55 days later the Japan tsunami
resulted from an earth quake off the coast of Sendai Japan.
Sendai means "a thousand generations"
The number 55 is a number that our Creator has used to stamp His authenticity in much of what He has revealed.
January 15th also just happens to be 550 days leading up to July 19th when His vengeance will
be poured out on the inhabitants of the world who do not bear His mark in their foreheads.
I did not know that the feast of first fruits would fall on July 19th when I produced this video.
And January 15th was 188 days before July 22nd.
July 22nd
was the day when the abomination of desolation was declared in a video called "The Abomination of Desolation"
And this Japan quake just happens to be the third of the four quakes that were in the 188 day cycle.
The 4th quake occurred 55 days after July 22nd.
This quake happened
off of the Lau Ridge in the waters off the Lau Islands.
The Lau Islands are a chain of
about 100 Islands that cover an area of 188 square miles of land mass.
Yep, all of these
things have got to be coincidences indeed.
And there are so many others as well and some of them
are in the videos on this site but these things are not what matters anyway.
What matters is why
His wrath is being sent and why a double portion of it is going to be heaped upon the scattered nations of Israel which are
primarily scattered in the English speaking nations of the world today.
The calamity is being
sent in order to humble a people into hearkening to Him because sadly most of you will not hearken to Him without it.
And even with it Ezekiel prophesied that only 3.333% of you will repent.
His word says
that Israel will receive double because they have rejected His Torah and in several of the prophecies He emphasizes that this
is because you have profaned His Sabbaths and you have put no difference between the clean and the unclean.
You do not care that you are like a dead person before His face; therefore you are unclean to His eyes and a stench
to His nose.
You reject the reason why He gave you life which is to be molded by Him to become
as He is.
Isaiah recorded in chapter 55 verse 11 why He sent us His word.
have no fear of trampling His Son's blood under your feet and you could careless that you defecate upon it and defile His
You love your make believe blood that you wash with and now you will be recompensed
for your fornication and your whoredom to Him.
And dying you will die unless you repent.
Thus saith YEHWEH Elohiym.


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I have three thoughts on the state of the stem cell debate; one is upsetting, but two of them are encouraging.
1. Clearly, there is a great amount of ignorance out there about the issue. And if there are so many misunderstandings in the press and in the government, one can only imagine how little the average citizen knows about ESCR. It's a pretty bad sign that nobody seems to be able to think through what's being said, spot the flaws, and ask the right clarifying questions. It's as if people are just learning a set of words, repeating them, and then applauding others who repeat them. The most schooled generation in the history of our country seems to be unable to think clearly. Bad news.
2. There is a great amount of ignorance out there about the issue! Good news! All this time, I thought people understood our position and its moral reasoning and rejected it. But if not even Bill Clinton seems to know what ESCR involves, or even what an embryo is, then I was wrong. Now that I know how little is actually known--that most people have no idea about the poor record of ESCR and the promises of adult stem cell research, that ESCR involves cloning and/or killing embryos, that there are new methods of creating pluripotent stem cells without using human embryos, or about the one restriction Bush actually imposed--now that I know this, I think we still have a chance. If we can educate people, perhaps we can change some minds, or at least we can put an end to the dismissive anger people have against our position because they've absorbed the idea that we're "anti-science." If we can do that, we can get a real debate going.
3. The opposition to Bush's policy appears to have been mainly politically and/or emotionally motivated--more anti-Bush than pro-ESCR. I say this because when Obama brings up the subject rather than Bush, as was the case in the NYT article, there seems to actually be sympathy for the idea that it's not a good idea to experiment on human embryos. Or at the very least, the idea is respected. Very good sign.


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Exquisite penthouse with terrace in prime city location
Exquisite penthouse with terrace in prime city location€ 4,245,000,-
- 152 sq m Living space
- 2 Bedrooms
- 1 Bathrooms
- 57 sq m Outdoor space
Exquisite penthouse with terrace in prime city location
In a classic Gründerzeit building in the middle of the former textile district in the 1st district near the stock exchange, exquisite apartments and modern penthouses have been created after thorough renovation, offering the highest level of comfort and luxurious living.
Elegant design, high-quality furnishings and modern technology characterise these flats:
- The penthouses have magnificent outdoor spaces and views over one of the most liveable cities in the world: Vienna.
- Quietly situated in the leafy inner courtyard, comfortable 2-room apartments with optimal floor plans and large window fronts have been created in an annexe. Most of them also have a balcony/loggia.
Apartment no. 47 is a 3-room penthouse on two living levels and with an additional roof terrace.
Located in the middle of a quiet residential and business district in the city's former textile quarter, the location offers the best conditions for pleasant living in Vienna's city centre.
The first district offers an ideal infrastructure with shops, restaurants, cafés, shops, doctors, pharmacies and a wide range of cultural and artistic activities. Theatres, the State Opera, museums and many other cultural institutions are within walking distance.
Public transport, such as the underground stations (U2 Schottentor and U4 Schottenring) are within walking distance and also the central station Stephansplatz U1.
Furthermore, tram lines No. 1, 71 and D (directly to the main railway station) and the city buses 2A and 3A.
Vienna Airport is about 30 minutes away by car.
The equipment includes
- Smart Home System
- Air conditioning (district cooling)
- Oak real wood parquet flooring with plank look
- Underfloor heating (district heating)
One parking space is available in the building's own underground car park.
We would like to point out that our company has been commissioned by the client to market this and other projects and that we are therefore obliged to point out the resulting "close economic relationship".
OTTO Immobilien GmbH is active as a dual agent.
Copyright Photos: WerderSix / Renderings: ZOOMVP
- Air condition
- Outdoor space
- Concierge Service
- Smart home system
- Video intercom
- Living space
- 152 sq m
- Outdoor space
- 57 sq m
- Bedrooms
- 2
- Bathrooms
- 1
- Toilets
- 2
- Terrace
- 1 (13 sq m)
- Roof terrace
- 1 (44 sq m)
- Furnished
- no
- Car spaces
- no
- Lift
- yes
- Barrier-free
- no
- Cellar
- 1 sq m
- Property-ID
- Location
- 1010 Wien
- Ready-to-use
- ready to move in
- 25.35 kWh/sq m
- Commission
- 3% commission of the purchase price + 20% VAT
- Price
- € 4,245,000,-
Thank you for your inquiry.
Herr Thomas Pinegger & Frau Evelyn Steiner
Exclusively selected
Extraordinary penthouse near Augarten with roof terraces on residential level
- 287 sq m
- € 5,961,426,-
Magnificent penthouse near Augarten with views over the city and innovative energy concept
- 153 sq m
- € 3,403,932,-
Penthouse with terrace and magnificent city view
- 235 sq m
- € 4,900,000,-
Superb villa with magnificent panoramic views of the Mediterranean Sea
- 255 sq m
- € 2,650,000,-
Spacious country house with modern elements and pool in Tuscany
- 800 sq m
- € 5,500,000,-
Feel-good ambience on the Schafberg - elegant living with a view
- 101 sq m
- € 1,680,368,-
Penthouse with terrace and magnificent city view
- 300 sq m
- € 6,300,000,-
Romantic winegrower's house with historic wine cellar and luxury pool
- 397 sq m
- € 5,300,000,-
Modern arts high above Vienna: Unique penthouse apartment with roof terrace!
- 214 sq m
- € 6,200,000,-


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Women are often facing inequality and discrimination despite the years of trying to create an equal society. A new study by scientists from the University of Denver and Harvard University have found that people are often biassed towards men. The perception exists that men are smarter and better in different fields than women.
Women are often discouraged from going into specific work fields based on stereotypes that are seeded deep into our society. People often believe that men are more brilliant than women. These scientists decided to test these stereotypes.
Instead of asking the participants directly about their stereotypes, as people often don't want to admit they have any or aren't aware, researchers tried to measure the connection between two concepts. The participants were asked to sort images they were shown based on whether they related to a particular concept. For example, participants were showed pictures and asked to sort them based on whether they are related to the word brilliant. Participants were asked to do these tests quickly. They were sorting the pictures on impulse; therefore, the stereotypes affected their responses.
To make the study relative, participants were men, women, and children from different counties in the United States. Five separate studies attributed to the conclusion. The researchers decided that there was enough evidence to prove that brilliance and genius are more often associated with the male population than the female population.
When the researchers asked participants of the study directly whether they believe men are smarter than women. They disagreed with this stereotype. This proves that people are reluctant to say that they believe in a certain stereotype. People even claimed that they think women are smarter than men when asked directly about their beliefs, but the tests conducted prove this isn't the case.
Although we have come a long way from a patriarchal society, there are still stereotypes that undermine women. This study should also force us to start with ourselves and be honest about our beliefs and whether they are justified.


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- Netflix Countries:
- Dramas, British Movies, Military Dramas, Movies based on Books, Biographical Movies, Movies based on real life
- Director(s): James Kent
An aspiring writer and the young men she grew up with come of age during the madness of World War I, experiencing love, loss and a glint of hope. In 1914, she defied convention at Oxford. By the end of World War I, she had learned enough to defy heartache and war.
Nicholas Le Prevost, Alexandra Roach, Kit Harington, Taron Egerton, Joanna Scanlan, Anna Chancellor, Colin Morgan, Miranda Richardson, Dominic West, Emily Watson, Jonathan Bailey, Alicia Vikander, Nicholas Farrell, Hayley Atwell
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Here's a few of the movies you can unlock and start watching from Germany


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Dai Young has commented several times this season that his squad now has a depth which enables it to compete with the Aviva Premiership's big hitters, and the developments of the last three days further underline the extent to which Wasps' situation has changed since Derek Richardson took over.
Saturday's bench - albeit enhanced by a couple of injury returnees - was crammed with talent. With Leinster already reeling on the ropes, the arrival of Ashley Johnson, Nathan Hughes, Ruaridh Jackson and Jake Cooper-Woolley to administer the knockout blow was a huge statement.
Read more:
This was followed by yesterday's announcement that rising Ireland front row star Marty Moore will next season join a pool of Wasps' tight heads which already includes seasoned international Lorenzo Cittadini, and the rapidly improving Cooper-Woolley.
Moore picked up an injury at the Ricoh on Saturday which seems likely to keep him out of the Six Nations, but Young has moved quickly to dispel fears that leaving Ireland will hamper the Dubliner's future international prospects.
"I don't see us having any issues with our relationship with Ireland," Young said, "We'll want Marty to play for his country.
"We've got Welsh internationals, Italians and next season we'll have an Irish international, and we want them all to play for their countries.
"If they're playing for their country it means they're probably playing well for us, and we support that 100 per cent.
"The experience of playing in different leagues and different scenarios improves players. So I don't see Marty being here next season rather than in Ireland as an issue.
"To sign a young man who's only going to get better but who is already an international is a bit of a coup for us really.
"I do believe Cooper-Woolley will go on to play for England, and obviously we have Cittadini and Phil Swainston.
"I believe you need four quality tight heads if you really want to stake a claim in the Aviva Premiership and Europe."


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6 Ways To Jumpstart Positive Change In Your Life
"We don't see things as they are, we see them as we are" - Anais Nin
Positivity is a practice that has been wildly popular in recent years and will likely persist for years to come. Positivity practitioners are always searching for "tips, tricks and potions" to successfully shift their outlook on life, and rightly so too. In fact, many believe that a positive attitude is one of the greatest things you can do to propel your self-development.
Positivity makes us feel happier and more productive, but there are also many health benefits surrounding positive thinking. While someone's positivity may be evident through a smile and cheerful glow, the systems that keep your body functioning at its best will also feel the benefits.
Lucky for you... we are bringing you 6 ways to jumpstart a positive change in your life.
Our ultimate goal is to show you:
How to remain positive, no matter what is going on around you.
1. Identify Positives in Negative Situations
One of the simplest, but most effective ways to stimulate your positive focus is to look at the bright side of every situation. All it takes is a few questions and you'll be able to see the good in a bad situation.
Always ask yourself:
- Does this negative situation bring any opportunity?
- What is one good thing that can happen to me as a result of this situation?
When you ask yourself these questions, you fill force your mind to produce positive and therapeutic thoughts.
When you train your mind to think positive, you'll be capable of finding a good in every possible situation (even those situations that seem daunting or unbearable)
2. Read, Watch & Write Positive Content
You choose what you consume and what you consume is who you become. Why not choose to consume material which stimulates positive focus and helps you find positive outlooks? With easy access to the internet, finding inspiration and positive material has never been easier.
There are plenty of books, movies and tv series which can stimulate your positive thinking. The team prefers watching movies, as it's like you're reliving the main protagonist's story - from levels of weakness to levels where happiness comes in plenty.
When you consume positive content, write down your thoughts in a notebook. This will help you to consciously get into a positive mood.
3. Practice Gratitude
Practicing gratitude for what you already have is a very simple activity that can shift your outlook over time. Instead of glancing at your mobile phone first thing in the morning, take a few minutes to think... Think and take note of the things that you appreciate in your life, both big and small.
Get yourself a notebook and list 3 to 5 things which you're grateful for once a day. It can be family, business, finance or relationship-based. It could be as simple as having food to eat or having met somebody really great.
When you begin to be grateful for the small things in your life, your positive thinking will flow easily.
Expressing gratitude has it's scientifically-proven benefits too.
4. Follow a Healthy Lifestyle
Arguably the most effective way to jumpstart a positive change in your life is to follow a healthy lifestyle.
Following a "healthy lifestyle" is so significant, as it could be the difference between feeling depressed, sad and unproductive to feeling positive, joyful and super-productive. It's all about balancing regular exercise, healthy eating and ensuring you're getting substantial rest.
Eating healthy:
We are not telling you to completely abandon junk food, as it's important to see a balance in your life, but junk food (on most occasions) provides no nutritional or positive benefit to your body or mind.
The foods we eat don't only affect our physical well-being, but they also affect our thinking and outlooks on life. Consume good and you'll see good.
Healthy eating can enhance your mood, increase energy levels, reduce depression and even help to build your self-esteem.
Exercising regularly:
Can doing one thing consistently for 30 to 45 minutes a day really help us feel happier and seek positivity? The answer is yes. That's what regular exercise can do for you.
Regular exercise boosts our mood and positive thoughts, as it releases endorphins, which are hormones that make us feel better.
"Regular exercise" doesn't mean vigorously pushing the heaviest dumbbells. It just means doing what works for you.
Go for a walk in nature, cycle around your neighborhood, practice yoga, or if you're the person - Get in a hardcore gym session.
Getting substantial rest:
"Rest and be thankful" - William Wadsworth
If your life is getting too chaotic to handle, take a break. Take a day off. Take some time off to reflect.
Taking breaks is vital for a positive focus, but you also need healthy sleep. A good night's sleep is directly correlated to a positive mood and optimism.
5. Surround Yourself With People Who Make You Happy
Have you ever noticed how the presence of a 'negative minded' can change the entire atmosphere of a room? It's not changed for the better too... A negative presence can force you into negative-thinking. Surround yourself with people who are optimistic.
You are the product of your environment. You choose who you spend time with. Why not select people who force you into being positive?
6. Help Others & Be Kind
It may sound like a cliche, but even small acts of kindness can improve your mood, force you into positive thinking and ultimately make you feel happier.
Whether it's opening a door for someone, helping a work colleague with a task, helping your mother with cooking or donating some money for a cause - These small tasks are a great way to jumpstart a positive change in your life.
After all, it's the small things that matter at the end of the day.
Final thoughts:
Positive change is a process - You can't expect regular negative thinking to transform into optimism in a day or two. However, taking action and implementing the practices as we've mentioned can speed up the process.
If you notice that you feel bombarded with negative thoughts - remember to trust the process. Apply all the steps above, give yourself time and analyze if your outlook on life changes.
Why not take your positive change to a different level? Invest in your skincare and let your personality shine through.


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Part of the process of finding the right college or university to attend includes researching something most people take for granted: a school's financial health.
Just because a school has existed for a long time, or is an integral part of a city or town, doesn't guarantee it will be there forever–especially now that COVID-19 has forced campuses to shut down.
According to the website educationdive.com, as a result of the pandemic "colleges and universities are looking at the business of education in a whole new light. The lasting impact of COVID-19 could mean some of the schools, especially the smaller ones, may have to shut their doors."
That's partially because most schools need students on campus, especially those who can pay full price, to help generate revenue.
Forbes.com reports that "it's not widely known, but for many residential colleges tuition does not cover the cost of operations and it is room and board that helps make up the difference."
Even before the pandemic hit, the business of higher education was financially challenged.
As noted by HechingerReport.org, a nonprofit, independent news organization focused on inequality and innovation in education, "More than half of university trustees in a survey conducted by the Association of Governing Boards of Universities and Colleges said they were concerned about the financial futures of their institutions. The survey was released in late January — before the market went into its slide."
There are obvious problems that affect students when a school shuts its doors, however.
The less obvious problems might be a blot on a degree that emanated from such a school, or a lack of an alumni network that can be so important to a student.
So how can you and your child know if a school is financially sound?
Checking a College's Financial Health
Search for clues…
No one can predict the financial viability of a school by judging just one aspect of that school, but there are a number of telling signs that, in combination, might send up some red flags.
First and foremost: Check the school's website and look for any published financial information, including the size of the school's endowments (more on this below) and any relevant state funding increases or decreases.
Enrollment Trends
On the website, you can also learn about their enrollment over recent years.
Look for trends downward: For a small school especially, this may mean they're not meeting their goals.
Enrollment information for many schools is compiled annually in something called the Common Data Set, and published in a variety of ways.
You can find it most easily from home by doing a search from a school's website for: Common Data Set.
International Students
Another piece of important data within the Common Data Set is the percent of students who are nonresident aliens or international. In the past, colleges (both public and private) have relied on international students to pay full price and fill budget shortfalls. With the COVID-19 crisis, the number of international students able to attend US schools will be significantly impacted.
Talk with Current Students. What to Ask/Search for:
Your child can also reach out to talk with students who've recently graduated from their own high school—and who are currently enrolled in colleges or universities they're interested in.
If they're unable to find people on their own, their high school can usually help facilitate this.
Since your child cannot visit the school, they should inquire of those students about the physical state of the school:
- Are buildings in good working order?
- Do classrooms and dorms look worn and torn?
- Is the school open to new ways of learning?
- How has the school handled things during the crisis? This is especially helpful if your son or daughter decides to go to school away from home, and then learns classes will remain online.
A few other ways for your child to find students to ask questions of: LinkedIn and Twitter, or through Facebook groups for those schools.
Online Learning
Go to the Department of Education's College Navigator and look under the enrollment section.
There, you'll be able to see the percentage of students who are enrolled in distance (online) learning.
If the percentage is low, the transition could be more difficult for them, and a sign that they might not attract as many students in the coming year.
This, in turn, can mean financial hardships for the school, at least in the short term. When talking to a school, it's good to ask them about how they're handling this sudden shift.
Tuition Discount Rate
Be aware that, much like a store offering deep discounts to attract more customers, a school offering to cut prices by a significant percentage (they're all discounting to a certain extent) may be trying to attract students in large numbers to enroll.
This can be a red flag that they're having financial difficulty. Schools need students who can pay full price in the mix.
Economic Conditional of College Town/City
What about the community that surrounds the school? Is the economy healthy? Can you glean any information about the school from their local TV news, radio, or online and print publications?
Communications From the College
If a school is having financial difficulty, rest assured, said author-educator Michael Horn during our recent Facebook Live interview, that they "have a legal obligation to their students to be upfront about it," and that it's less likely to be an issue this year than it might be in the years that follow the pandemic.
A recent article in Forbes suggested that students reach out to college admissions officers. One of those officers even encouraged it, saying, "students aren't the only ones who cannot travel and visit schools. We're in the same boat, and we are just as interested in talking to students as they are in talking to us. Take advantage of our undivided attention while we aren't on the road all the time."
Social Media
Social media can be an early warning indicator even before colleges make official announcements.
Search tweets by professors and administrators to find clues that things may be changing at the college.
Comments related to salary and hiring freezes and course cutting may be clues of a school trying to cut expenses.
Turn to the Experts
In addition to the steps above, there are a number of sites that have compiled helpful research you can easily access that will help you get a better idea of a school's financial health.
- Forbes grades of private not-for-profit colleges in the U.S. (enrollment greater than 500).
Click here to see National Center for Education Statistics database, Forbes analyzed all private not-for-profit colleges in the U.S. with enrollments greater than 500, grading them on balance sheet strength and operational soundness, plus certain other indicators of a college's financial condition, including admission yield, percentage of freshmen receiving institutional grants and instruction expenses per student.
(For Forbe's methodology, please click here)
- Bain & Company created a table classifying colleges as tuition dependent or not. The data is about 10 years old, but it's a good start to use as directional information in your continued research.
- The government publishes Financial Responsibility Composite Scores for colleges and universities. "The composite score reflects the overall relative financial health of institutions along a scale from negative 1.0 to positive 3.0. A score greater than or equal to 1.5 indicates the institution is considered financially responsible.
Schools with scores of less than 1.5 but greater than or equal to 1.0 are considered financially responsible, but require additional oversight. These schools are subject to cash monitoring and other participation requirements.
A school with a score less than 1.0 is considered not financially responsible."
- The State Higher Education Finance (SHEF) report examines the trends, context, and consequences of state higher education funding decisions. This report analyzes state-level and national funding and enrollment trends over time.
- College Viability is an independent site that investigates and publishes information relating to the financial health of colleges and universities.
- NACUBO publishes data on endowment sizes of institutions, an important indicator of whether a college can financially withstand a crisis, especially one that will impact government funding (for public universities) and family finances available for college.
The Bottom Line
Used together, the information on school websites, combined with information on the sites suggested above and aided by conversations with current and former students and school administrators, can help provide a more accurate and well-balanced picture of a school's financial health.
Encourage your child to take advantage of the opportunity to do the research, perhaps with your help, to sort it all out.
It's a worthwhile investment of time that can have a far-reaching payoff.


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This page will from time to time list news or events that may be of interest to those visiting this webpage. Please contact us for further information about these or any other issues or events. Please call us at 401-272-2800 or refer to our Contact page for additional information.
Ringing Their Bell
We are pleased to report another judgment on behalf of a product liability victim, this time involving food poisoning. Our client visited a Taco-Bell franchise on Reservoir Avenue in Cranston, Rhode Island in April, 2014 , ordered and ate 3 "loaded grillers" (unfortunately, well-named in this case). A little later … Read more
$425,000 Settlement – Detached Cornea (Repaired) Following Auto Accident in Newton, MA
Our client was struck from behind while stopped in traffic on Brookline Street in Newton, Massachusetts. The force of impact drove his head back into a rigid headrest and shortly thereafter he developed a detached cornea in one eye. Although it took three surgical procedures to repair (re-attach) the cornea … Read more
Firearms Acquittal in Taunton District Court
Jury finds our client "not guilty" after deliberating for only 10 minutes. Following a 3 day jury trial in the Taunton District Court our client was acquitted by a 6 person jury of one count of assault and battery and three counts of improper storage of firearms (see accompanying photograph … Read more
Third Time Might be the Charm
Our client (a state employee) was involved in a motor vehicle accident with another state vehicle while at work. He was given Workers' Compensation benefits but the insurer of the at fault state vehicle denied coverage in that he could not bring a claim against a fellow employee. After consulting … Read more
Even the Seven Years' War Came to an End
In 2009 we filed a lawsuit on behalf of seven (7) persons including 4 police officials and three private citizens against the then Chairperson of the Rehoboth, Massachusetts Board of Selectmen. The complaint sought damages for defamation, infliction of emotional distress and civil rights violations. We are pleased to announce … Read more


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New Directions Wall Units
Custom configured wall units made in our Brooklyn workshop.
The wall unit pictured above, designed by Ania Stempi, can be configured with a variety of cabinets, shelves and lighting to exactly fit your space. Crafted from solid hardwood with safe oil & wax finishes.
Our Computer aided design and manufacturing process enables us to configure such units to very precisely fit nearly any space.
The process starts with your ideas. We then precisely measure the space where the unit will be positioned. From our measurements we then develop a 3D model for your approval.
When the design is complete we then craft the parts using computer controlled machinery, accurate to the thousandths of an inch. We then finish and assemble the unit in our workshop making sure that all the details are in order and then our own craftsmen install the cabinetry in your space.
The wall units seen in this page are some examples of our work. Many variations are possible using the components of this series.
Please visit our showroom at the Brooklyn Navy Yard and work with our expert staff to create similar pieces that you can enjoy for a lifetime, meticulously handcrafted for your home and your pleasure.


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Nothing spices up a lunar new year #selfie better than a red lipstick. Not only will it effortlessly match your outfit (which is probably red, too), it'll also make you twice as photo-ready than any other lip color out there. And in case you're on the lookout for a new tube, here are eight lucky picks to swipe on before the fireworks start:
1. Shiseido VisionAiry Gel Lipstick in Shizuka Red
For a shiny, gloss-free pout in a muted red hue, go for gel lipstick from Shiseido that has the smoothest glide ever.
SHISEIDO VisionAiry Gel Lipstick in Shizuka Red, P1500, Lazada
2. MAC Lunar Illusions Lipstick in Ruby Woo
If you already swear by Ruby Woo, why not grab a fresh tube in festive packaging?
MAC Lunar Illusions Lipstick in Ruby Woo, P1150, Lazada
3. Dior Rouge Dior Ultra Care Liquid in 999
Wear Dior's signature red via this flower-oil infused liquid lipstick that'll give you a soft, velvet matte pout.
DIOR Rouge Dior Ultra Care Liquid in 999 Bloom, price unavaiable, SM Makati
4. Tom Ford Lip Color in Scarlet Rouge
This deep, opulent red is Tom Ford's best-selling lipstick in the country—a single fact that makes it worth having in your collection.
TOM FORD Lip Color in Scarlet Rouge, P2820, Rustan's Makati
5. Pat McGrath Labs Lip Fetish Lip Balm in Wild Cherry
If a full-coverage red isn't your cup of tea, try this sheer tinted balm from Pat McGrath that'll give you gorgeous, cherry-stained lips.
PAT MCGRATH LABS Lip Fetish Lip Balm in Wild Cherry, P2400, Sephora.ph
6. Teviant Lip Spell Lipstick in Haute
Need a power red for the occasion? Make it this fiery matte lipstick from Teviant.
TEVIANT Lip Spell Lipstick in Haute, P750, Teviant
7. EB Advance Absolute Matte Lipstick in Galore
For those who want a more low key red, this brownish rouge is a viable candidate that won't break the bank.
EB ADVANCE Absolute Matte Lipstick in Galore, P185, Lazada
8. NARS Lipstick in Inappropriate Red
Don't let the shade name fool you because this vibrant cool-toned red is more than appropriate for all your lunar new year parties.
NARS Lipstick in Inappropriate Red, price unavailable, Greenbelt 5
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Updated March 20 from original March 19 publication to footnote Sen. Burr's curious stock sales and clarify Trump comments on drug treatments.
When we emerge from COVID-19, a filmmaking survivor is going to have to make a horror movie about spring breakers trying to return home after their binge to find that the cities are closed to them and they have to fend for themselves on the highways. C'mon people, when the president of the United States says we need to limit interactions to groups less than 10, please listen.
Also, this is not an old people's disease. The latest data shows that adults across the spectrum of age groups are getting the infection. See this Washington Post story, "Younger adults are large percentage of coronavirus hospitalizations in United States, according to new CDC data."
Count your blessings. This is weird and scary, and we don't know how all of this will shake out, but be grateful. If you are reading this, that means you have access to the internet and power. That's a lot to be thankful for. After all, with hurricanes we lose power. Being able to wash your hands with warm water during a global pandemic is a luxury. Enjoy it. Pray for others, in the United States and elsewhere, who may not be so lucky.
If idle hands do the work of the devil and you're sheltering at home feeling shell-shocked, now is the time to get to all those house projects you have put off forever. Also, deep cleaning kills two birds with one stone: it might get your mind off the pandemic (sorta) and kills germs. It might give you some sense of control, even if fleeting. If you really need to tune out the news for a bit for some self care, try Pinterest. You can just look at things that make you happy. My Pinterest boards are full of pretty gardens, beautiful home décor, cute dogs, cool Jeeps, crafting, recipes and other nesting ideas. I plan to look at it tonight with a glass of wine.
Back to reality, though, and the state of Texas has declared a state of public health emergency. During a live broadcast, Governor Abbott said that state and local officials have been in preparation discussions about COVID-19 since January. That's comforting, except why didn't he or other Republicans pipe up when Trump was still calling this a hoax in late February. Before you get defensive and annoyed with the politicization of a pandemic, consider that the chairman of the Senate Intelligence Committee in February – the same day as the "hoax" comment – was warning business leaders from his home state that this could be akin to the 1918 flu pandemic and that schools would close, travel would be limited and the military would be called on to help.
I think it's great Senator Richard Burr, R-N.C., was warning people at that time.* I only wish all Republican officials had done so on a bipartisan basis with the Democratic colleagues. The only reason I can think of goes to a failure of leadership at the very top. And the top should take responsibility. He just might be doing so now. I am opened minded. But considering he's still griping about how the media doesn't write nice things about him, I'm not hopeful he's change into a statesman. In the meantime, I am somewhat hopeful that any measures he has taken to facilitate "compassionate use" (experimental) treatment might work**. Again, any effectiveness would be a total unknown. Still, a few months ago we didn't know we'd be in this situation and I am a big believer in human ingenuity and the cooperative spirit.
Stay home, stay healthy, stay sane and stay hopeful.
* Well, now it has been reported the senator was selling stocks, the implication being he knew the pandemic would worsen and hit financial markets.
**Well, the FDA felt compelled to clarify something he said about a malaria drug being approved (it wasn't) for COVID-19. To clarify, that is being studied.


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JPMorgan Chase is helping to bankroll a new two-year college to prepare low-income Chicagoans for jobs in nursing and other high-demand fields.
Instituto College, to open this fall, is being developed by Instituto del Progreso Latino, a nonprofit community organization that provides workforce development and other services to the city's Latino community.
The $500,000 contribution from Chase, which will help provide free tuition for the first class of students, is part of the $40 million investment the bank announced last year to boost economic opportunity in Chicago's underserved South and West side communities.
"These are the kinds of programs that exemplify what those commitments are about," said Whitney Smith, head of Midwest philanthropy for JPMorgan Chase. "There is all this untapped potential that can drive our economy with the right kind of education and supports."
Instituto College will focus on training people for the growing number of middle-income jobs that employers struggle to fill, drawing from research that Chase released in 2015 that highlighted Chicago-area jobs that pay well and require a high school degree and some further education, but not a bachelor's degree.
The Illinois Board of Higher Education has approved the college to provide six programs of study, including health care, manufacturing and technology. It will launch with 30 students pursuing an associate degree in nursing, and it plans to offer a cybersecurity program next year, said Karina Ayala-Bermejo, president and CEO of Instituto del Progreso Latino. The goal is to reach 500 students within the first five years, with a capacity of 100 new students annually, she said.
[ JPMorgan Chase's $40 million investment in Chicago seeks to fight poverty through economic growth ]
Instituto College is not associated with the City Colleges of Chicago, which has campuses dedicated to health care, manufacturing, technology and other industries.
Why Chicago would need a separate college outside of its existing community college system was a key question for Chase as it considered whether to invest in the project, Smith said. The program at Instituto is designed to serve a distinct population.
"They really provide a level of extra support that students who are going through their career pathway need in order to go on to become a college-level nurse," Smith said. City Colleges, she said, "understands that this is a population that may not have succeeded in its doors," and is supportive.
In a statement, City Colleges Chancellor Juan Salgado said the system welcomes the new school. "We embrace the important role community organizations play in connecting talent to economic opportunity," he said.
The new school's target population — immigrants with limited English and no high school education — often can't succeed in a traditional community college, Ayala-Bermejo said. Its program will help build English skills alongside technical skills while also offering services such as financial coaching, transportation and job placement.
[ JPMorgan Chase CEO sees early results of $40 million investment in South, West sides during Chicago visit ]
Offering a nursing associate's degree fits with an existing program at the nonprofit called Carerras en Salud (Health Careers), also funded with help from Chase, which helps people climb the career and wage ladder, from certified nursing assistant to licensed practical nurse. The nonprofit produces more than half of the bilingual licensed practical nurses in Illinois, Ayala-Bermejo said.
Until now, participants have had to go to community college to take the next step to become a registered nurse — a job that can pay $22 to $32 an hour — but they didn't always get the necessary support there, she said.
"Our program is unique because it is a culmination of this comprehensive career pathway that we are nationally known for, and it is what our students have been dreaming of and requesting," Ayala-Bermejo said.
The new college aims to help address a shortage of bilingual nurses, but it is open to all applicants.
[ City Colleges sets 'extraordinary' goal to put thousands of graduates into apprenticeships, internships ]
Chase's seed money will allow the school to prove the success of its first graduates, who will not pay tuition, so that it can become accredited. Once the school is accredited, students can qualify for Pell grants and other federal student assistance to help cover tuition, which is expected to cost $12,000 a year.
The school will operate out of Instituto del Progreso Latino's offices in Pilsen.
Other funding, employer and clinical partners include Advocate Healthcare System, Alden Lincoln Park, Mt. Sinai Hospital and Norwegian American Hospital.
Twitter @alexiaer
[ Editorial: Applying Chase's Detroit template to Chicago ]
[ Editorial: Investing big dollars in the parts of Chicago too often forgotten ]
[ Column: Chase's $40M neighborhood revival plan will shake up local business giving ]


text: The SUNWAY ACTIVE APARTAMENTOS SANT JORDI exude a contemporary feel reflected in its lines of decoration. Of particular note are the panoramic views of the garden and of the swimming pool. After an energetic day, customers can enjoy a swim in one of the hotel swimming pools. Customers can park their car the external car park. Among the offers from the kitchen you will find Refrigerator, Table/Chairs, Freezer, Cooker, Crockery, Cutlery, Kitchen Utensils and Coffee Machine


text: The Ling O was designed to add a tingly twist to oral sex with comfortable safe and effective design. Worn at the base of the tongue with the bullet at the top your mouth becomes human vibrator and with little no movement necessary you can bring your partner to orgasm in minutes and with a powerful motor that lasts more than 40 minutes the LingO easily stimulates all pleasure zones creating the ultimate teasing foreplay experience before getting down to business. Makes oral sex easy for even the laziest licker Stretch to fit LingO on base of tongue with unit facing upward. Adjust placement so snug knobs hug tongue comfortably and does not completely cover the tongue's surface. Dispose of after use.


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More Florida homeowners brace for property insurance sticker shock | Florida
(The Center Square) – More than 60 mostly independent and often thinly capitalized property insurers are offering policies to 6.2 million homeowners in Florida, a state largely abandoned by major carriers after it was battered by hurricanes in successive years early in the century.
One-by-one, those independent insurers are seeking eye-popping rate increases in hearings before the Florida Office of Insurance Regulation (OIR), citing skyrocketing reinsurance costs, loss creep from 2017 and 2018 hurricanes, coastal flooding and excessive litigation in requesting across-the-board property insurance rate hikes.
The latest to do so is St. Petersburg-based First Community Insurance Co., operated by Texas-based Bankers Insurance Group, which submitted a proposed a 24.1% rate hike for its Florida homeowners, including thousands of policyholders in The Villages.
State law requires insurers appear before the OIR if they propose rate increases of more than 15%.
From 2013-19, only one did so. Since December, however, at least 10 insurers have requested rate hikes topping 15 percent. They include:
• Edison Insurance Co., nearly 22%;
• Velocity Risk, 28%;
• National Specialty Insurance Co., 23%;
• Capitol Preferred Insurance Co. (CPI), 26.2%;
• Southern Fidelity Property & Casualty (SFPCI), 31.1%;
• First Community Insurance Co., 24.1%.
The only rate increase approved by the OIR so far year is National Specialty Insurance Co.'s request for a 23% rate increase, initially submitted for 28%.
First Community Insurance cited rising reinsurance costs as one reason for its rate increase request. The company wants the rate to become effective for new policies Sept. 1, with an effective date of Sept. 21 for policy renewals.
The rate hikes would affect policies written before October 2018. Bankers Insurance LLC has been servicing all First Community policies since Nov. 1, 2018.
Numerous other carriers have filed for increases just under the 15% threshold. Security First, which initially sought a 17.5% increase, raised premiums by 12.8% and didn't renew 5,000 policies.
Universal Property and Casualty, the state's largest carrier, has filed for a 12.4% increase; People's Trust, 10.9%; AIG, 9.6%; Florida Family, 6.5%; and FedNat, 5.5%.
The OIR approved in May Tallahassee-based CPI's request to "shed" 23,800 policies it inherited from SFPCI in February 2019, leaving it with 84,000 Florida policies "to protect the best interests of the public and policyholders."
CPI initially proposed a 47% increase, amended it to 36.5% and then 26.2% after the OIR issued a consent order May 12 allowing it to drop the 23,800 policies because the carrier "will continue to generate unsustainable losses" without the cancellations.
Florida's insurance structure is based on "reinsurance," essentially insurance for insurers, because many of the independents that emerged when major carriers abandoned the state after the 2004-05 hurricane seasons are thinly capitalized.
Many rely on private capital from hedge funds and other sources, essentially gambling against hurricanes.
After a decade without a landfall hurricane, Hurricane Irma in 2017 caused $17 billion in damage and Hurricane Michael in 2018 caused $12 billion in damage, ending an era of "soft pricing."
Because Florida allows claims to be filed three years after an event, reinsurers are hedging bets by requesting carriers raise rates between 25%-45% to account for loss creep from 2017-18 storms.
To relieve pressure on the property insurance market, the State Board of Administration has agreed to issue $2.25 billion in bonds, with proceeds going to the Florida Hurricane Catastrophe Fund – a tax-exempt trust that lowers reinsurance costs for private insurers and funds the Citizens Property Insurance Corp., the state-owned insurer of last resort.
The state's catastrophe fund has $11.4 billion in it, but it is allowed by state law to grow to $17 billion.


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Caravan – Bring your own Caravan
You are more than welcome to stay in your own caravan, camper or alike at our camping area. All you have to do is to purchase a caravan-pass and the number of camping passes that match the amount of people staying in your caravan.
Important information on the caravans:
- Gas is not allowed in the vans.
- Power access can be purchased. It is only available to purchase BEFORE the festival – not upon arrival.
- It is allowed to some extend to bring an awning – but Heartland does not guarantee that there will be enough space for it.
Please note that a camping pass is not included in the caravan package – the right amount of camping passes needed, can easily be added when you make the purchase.


text: Introduction The healthcare sector of any country plays a significant role in health promotion and disease prevention. Therefore, it is very important for healthcare professionals and other people belonging to this industry to know the ethical and legal issues that can affect the health and wellbeing of people in the country. Healthcare organizations also need


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Work on a $35 million renovation and expansion of Tulane University's A. B. Freeman School of Business officially kicked off over the summer, but that didn't stop the Freeman School from celebrating the project with a ceremonial groundbreaking on Friday (Sept. 9).
Joining Freeman School Dean Ira Solomon in recognizing the occasion was a distinguished list of guests, including Board of Tulane Chair Darryl Berger, Tulane President Michael Fitts and Board of Tulane member and Business School Council Chairman Jerry Greenbaum. Also taking part in the ceremony were Board of Tulane and Business School Council members Bill Goldring and E. Pierce Marshall Jr.
"The incoming class at Tulane University this year is the strongest we've ever seen academically in all of the different criteria we look at," said President Fitts. "And this business school is so much a part of why students are coming to Tulane University."
"As our student body, our programming and our faculty grow, matching that growth with innovative spaces for learning, for collaboration and discovery is critical to the continuing Freeman success story."
Dean Ira Solomon
In the last five years, the Freeman School has experienced surging enrollments at both the undergraduate and graduate levels. One out of every three undergraduate students at Tulane University is currently enrolled in the Freeman School and an additional 900 students are pursuing graduate degrees. The building project, which will unite the business school's two buildings into a single structure to be known as the Goldring/Woldenberg Business Complex, will add 85,000 square feet of new and renovated space to the business school. Construction is scheduled to be completed in early 2018.
"This project is central to our future," said Freeman School Dean Ira Solomon. "As our student body, our programming and our faculty grow, matching that growth with innovative spaces for learning, for collaboration and discovery is critical to the continuing Freeman success story."
The program concluded with a golden shovel ceremony in Goldring/Woldenberg Hall II. The platform party also signed a steel beam that will eventually become part of the new structure.