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published in Achieving Your Dreams, Book Reviews, Dreams/Goals, Financial Planning, Inspiration, Money by Maryanne | February 23, 2016 | No Comment
Money Matters Part 2 – Saving Saavy for the Not-So-Young
"The best time to plant an oak tree was 20 years ago…the second best time is today."
– Chinese Proverb
In my recent blog, The Greatest Financial Gift to Give a Child Won't Cost YOU a Cent, I wrote about the importance of encouraging young people to start putting aside money on a regular basis to build a significant-sized nest egg.
The numbers, of course, speak for themselves…when it comes to getting compound interest to work its magic, time is the key ingredient.
But what about all those people who don't have 40 or 50 years left to save for retirement?
Well, according to financial expert, David Bach, it's never too late to start. "Even if you're starting late," Bach writes in his book, Start Late; Finish Rich, "you can still amass quite a respectable amount of money."
And you don't have to be earning some sort of mega annual income either. In fact:
"How much you earn has almost no bearing on whether or not you can build wealth."
– David Bach, Start Late; Finish Rich
Rather, explains Bach, "It's not how much we earn, it is how much we spend." And some of that spending can easily be trimmed by looking at what Bach calls the "Latte factor." If, for example, you are currently buying a fancy coffee every day for $5 – and you instead saved and invested that $5 per day, you could actually build a nice little sum of money.
Here are some numbers 🙂
If you save $5 a day ($150/month) and got an average 10% return on your money (compounded annually), then in 10 years, you would have $30,727. But in 30 years, you would have $339,073.
Now, if you double your savings and were able to save $10 a day ($300/month) and got an average of 10% return on your money (compounded annually), then in 10 years, you'd have $61,453. But in 30 years, you'd have $678,146. Now we're talkin' – especially if you put that $3600 a year into a TFSA as then that money can be withdrawn tax-free.
And let's say you can afford to put aside $20 a day ($600/month) and got an average of 10% return (compounded annually), then in just 20 years, you would have $455,621. But in 30 years, you'd have $1,356,293.
Now of course, the stock market at the moment isn't exactly reflecting a 10% rate of return. And you'd be lucky to find a GIC for 2% these days, let alone 10%. Fair enough. But building wealth by regular saving and prudent investing – regardless of our age – isn't usually a quick rich scheme.
Rather, it is slow and steady wins the race, even if you're just starting that race in your mid-forties. Because historically, the stock market has provided investors with a decent average return on their money. Between 1900 and 2012, the average total return/year of the Dow Jones Industrial Average was approximately 9.4% and that, of course, includes the crash of 1929.
Looking at the stock market returns over shorter chunks of time, the 1990's, for example, were a phenomenal decade with the average return per year being 18.17%. The next decade (2000 to 2009) was not so great: 1.07%. But then in the following three years (2010 to 2013), the average return was 16.74%.
"What counts is your time in the market, not market timing."
– Investment Funds Institute of Canada
Alas, David Chilton, in his book, The Wealthy Barber Returns, suspects the stock markets may have more rocky times ahead in the short term. "Going forward," writes Chilton, "we might have to deal with "muddle-through" financial markets fighting the headwinds of excessive public and private debt and the resultant slow economic growth."
I suspect he's right (but then again, that also means that there are – and will likely continue to be – some tremendous buying opportunities in the markets).
According to Stats Canada, personal debt is on the rise: Canadians owed almost $1.64 for every dollar of disposable income they earned in the third quarter of 2015. In 1990, this figure was about 90 cents.
And on the subject of personal debt: if one is carrying any sort of a balance on their credit card and only paying the minimum monthly payments, accumulating any sort of wealth is going to be extremely difficult.
Here's a powerful example from Start Late, Finish Rich:
If you owe $10,000 on a credit card and pay only the minimum payment (with an interest rate of 19.98%), it will take you more than 37 years to get out of debt – and before you do, you will have forked out nearly $19,000 in interest charges.
"Credit cards allow us to act wealthier than we are," explains Chilton in The Wealthy Barber Returns, "and acting wealthy now makes it tough to be wealthy later."
So what to do? Well, I think this observation speaks volumes:
"When I sit down with people who have saved sufficiently throughout their lives, I see three common denominators: 1) They paid themselves first; 2) They started young, or if not, they compensated with increased savings rates; and 3) Their debt management followed the approach of "Owe No!"
– David Chilton, The Wealthy Barber Returns
As for how much to pay yourself, experts suggest you set aside 10% to 15% of your gross income – especially if you're starting late in the game to save.
And if you have significant credit card debt, David Bach suggests your first step is to call your credit card company and ask for a lower interest rate. And if they won't give you a lower rate, then find a credit company that will – and transfer your balance.
Interestingly, however, Bach does NOT suggest you pay down debt first and THEN start saving. Rather, he strongly suggests you do both!
But I reckon if a person is concerned about their financial future, perhaps the worst thing they can do is…nothing at all. For it is better to plant a small seed that will grow into a little oak tree than plant no seed whatsoever 🙂
Related blogs by Maryanne:
The Greatest Financial Gift to Give a Child Won't Cost YOU a Cent
The Magic of Compound Interest – Why Geometric Progression Matters
Tales, Tears & Triumphs – Transforming Your Relationship to Money
A Great Gift Gone Bad – A Cautionary Tale about Investing Properly for a Child's Education
Maryanne Pope is the author of A Widow's Awakening, the playwright of Saviour and the screenwriter of God's Country. Maryanne is the CEO of Pink Gazelle Productions and the Chair of the John Petropoulos Memorial Fund. If you would like to receive Maryanne's weekly blog, please sign up here.
published in Financial Planning, Habits, Inspiration, Money by Maryanne | February 16, 2016 | 3 Comments
Money Matters – The Greatest Financial Gift to Give a Child Won't Cost YOU a Cent
"It is crucial to understand that wealth flows from savings, not from income."
– David Chilton, The Wealthy Barber Returns
What if the greatest financial gift you ever gave a child didn't cost you a cent…but meant that they ended up with a nest egg of a million – or two – dollars?
If you're the frugal sort, that should put a smile on your face 🙂
So what IS this great financial gift?
Why, advice, of course. Which is: if one starts to save regularly as a young person, then the amount of money that can be accumulated over a significant period of time is staggering.
For it's not the amount of money a person earns that determines whether or not they will be wealthy; it is the amount of money the person sets aside that really matters. And the sooner they get started, the better.
A few weeks ago, I read an excellent article in the Globe & Mail about the importance of teaching kids about how – and why – to start saving when they are young.
"Financial freedom occurs when a person's investment income is greater than their monthly expenses. Many people who appear wealthy simply have high incomes but little or no net worth; they may also be in huge debt and not even close to financially free."
– Nancy Phillips, author of The Teen Steps to Success Guide, as quoted in the Globe & Mail article, "Parents of millennials, teach your children well," by Gail Johnson, Jan 16, 2016
"Financial experts agree that teaching children about money early is vital, as early as 5 or 6, or at least well before they start using credit cards and apps," said Johnson.
"Research has shown our belief system around money is set by age 7," explained Phillips, "mostly from modeling the behaviour of those who raise us."
To illustrate the importance of starting young to save, here is an example by Nancy Phillips in her book, :
"Say you start investing $2000 a year at 19, then stop at 29 (so a total of 10 years) for a total investment of $22,000, while your brother starts putting aside $2000 a year at age 38 until he's 60 (so 22 years for a total investment of $46,000). Assuming an annual return of 6.5%, you'll have more than $231,000 in your portfolio by age 60, while your brother will have about $107,000."
In other words, time is what is needed for compound interest to work its magic.
And money, of course. But surprisingly – and this is the beautiful part – not necessarily a lot of it. In fact, what is far more important than the amount of money saved is developing the habit of regularly setting aside money i.e. paying yourself first.
I've yet to read a financial book (and Lord knows, I've read an awful lot of them) that doesn't drive this crucial point home to the reader.
Pay yourself first – and you will become wealthy.
As for how much to pay yourself?
"Wealth beyond your wildest dreams is possible if you learn the gold secret: invest 10% of all you make for long-term growth."
– David Chilton, The Wealthy Barber
Here are some further figures to ponder (from The Wealthy Barber):
"If you invest $2400 a year, say $200 a month, for the next 30 years and averaged a 15% return a year, how much money do you think you'd end up with?"
$1.4 million.
But, for all the young 'uns out there, get this: "If you put $30 a month away at age 18 and you continue until you are 65 (so 47 years), averaging 15% annual return, how much would you end up with?"
$2 million.
But wait…there's even better news!
TFSA Contributions in Canada
Now, if you live in Canada, the annual TFSA contribution limit is $5500.
So if a 20-year-old invested $5500 in a TFSA that earns an average of 7% interest per year (compounded quarterly) and contributed the max of $5500 each year (and don't draw any money out) for 40 years, by the time the person is 60, how much money would they have accumulated?
$1.3 million! AND NO TAX WILL BE PAID ON THAT MONEY!!
So why don't more people – young or not-so-young – save on a regular basis?
"One of the biggest reasons that it's so difficult to save is that no one out there really wants you to. It's true. Almost everyone want you to spend as much as possible."
– David Chilton, The Wealthy Barber Returns
Sadly, it IS true. But I wonder if it is also the WAY we try to communicate the savings message to young people that could use some improvement? I mean, when I was 16, I pretty much tuned out whenever I heard the words, "saving," "retirement," "compound interest" and "tax."
Blah, blah, blah…bo-ring.
So the other day, I just happened to be with a friend's daughter on her 16th birthday and the subject of personal finance happened to come up 🙂
Now, as perhaps you may have noticed, teens DO tend to like the words "money," "cash," and "rich," so I tried to make sure those words made an appearance…at least in the first part of the conversation.
And before I knew it, I was googling a compound interest calculator on my phone and punching in numbers – at the birthday girl's request!
"So let's say I put aside $100 a month, starting now," she said. "How much would that be worth in 50 years, when I'm 66?"
I began punching in the numbers. "I'm going to put in an average annual return of 7%, compounded monthly…"
She shrugged and resumed looking at her phone.
"The amount," I said, a moment later, "would be $551,263.17."
She nodded, somewhat impressed.
"But," I continued, "if we raise that rate of return to 9%, compounded monthly, which is achievable over a 50-year span, let's see what you get…"
A minute later, I had the answer: "$1,184,513.84."
The birthday girl looked significantly more impressed. She even looked up from her phone!
Then her eyes narrowed a little and she said, "Since I will be making a LOT of money someday, I'll be able to save more than $100 a month. So what if I increase the monthly amount?"
Unable to contain my excitement (that a teenager was actually interested in a personal finance discussion…on her birthday yet!), I made a quick change in the criteria on the compound interest calculator.
"Let's say you increase your monthly payments by just 5% each year," I said. "So this year, you contribute $100 per month. Then next year, you contribute $105 per month. Then the year after that, you contribute $110.25 per month, and so on, so very do-able…"
I saw the new total, smiled, and looked up from my phone.
"What?" she said.
I read her the amount: "$2,225,421.89."
The birthday girl and her sisters – a 14-year old and a 7-year old – also in the room, all looked at me…rather impressed.
Fair enough, you say. So the 16-year olds are gonna get rich. But what about all of those, er, not-so-young people out there? Is it ever too late to start building a healthy nest egg? Nope. But you can read more about that in this blog: Money Matters Part 2 – Saving Saavy for the Not-So-Young.
In the meantime, if you have any teens in your life, please do pass this blog on to them. You just never know where the seed of an idea will take root…and grow into a multi-million dollar tree 🙂
Related blogs by Maryanne:
The Magic of Compound Interest – Why Geometric Progression Matters
Tales, Tears & Triumphs – Transforming Your Relationship to Money
A Great Gift Gone Bad – A Cautionary Tale about Investing Properly for a Child's Education
Maryanne Pope is the author of A Widow's Awakening, the playwright of Saviour and the screenwriter of God's Country. Maryanne is the CEO of Pink Gazelle Productions and the Chair of the John Petropoulos Memorial Fund. If you would like to receive Maryanne's weekly blog, please sign up here.
published in Assumptions, Change, Financial Planning, Gratitude, Habits, Inspiration, Money, Travel by Maryanne | November 3, 2015 | No Comment
Tears, Tales & Triumphs – Transforming Our Relationship to Money
"It's easy to look back on the past and beat ourselves up for all the wrong turns, incorrect assumptions, and false hopes that have led us to our current financial disappointments. We label them "mistakes" and write them down in our book of life as failures, then wonder why we feel overwhelmed, oppressed, and too scared to try again."
– Sarah Ban Breathnach, Peace and Plenty; Finding Your Path to Financial Serenity
Ah, money…when it comes to taboo discussion topics, personal finance is often right up there with sex. And that's a shame. Literally. Talking about money is usually avoided because of shame. Unfortunately, this avoidance simply tends to lead to more of the same mistakes being made.
Fiscally questionable patterns arise when assumptions and habits are left…unquestioned.
In mid-October, a friend and I took a one-day course at Royal Roads University entitled, Transforming Your Relationship to Money. The workshop was taught by Inga Michaelsen, who is a business coach.
The day was a real eye-opener – and heart opener. I was actually pretty surprised at how emotional many of the participants became. Tears fell as tales were told.
When it comes to money, people are often not just ashamed of the choices they've made (and the impacts these choices have had on their lives and loved ones), they often also struggle to understand why they made them in the first place – never mind forgiving themselves for doing so.
But of course, before one can understand why a certain financial decision was made, one needs to first be aware that one actually was made. Oddly enough, this isn't as obvious as it sounds. Apparently, many of our financial "decisions" are, in fact, made more or less unconsciously.
To help us better understand this, Inga started the day off with a group discussion around three common cultural myths beneath many of our beliefs, based on the teachings of Lynne Twist, author of The Soul of Money:
1. There isn't enough to go around
2. More is better
3. That's just the way it is
When it comes to money, time or love, it would seem that a real scarcity mindset exists.
Twist explains the danger of this: "When your attention is on what's lacking and scarce – in your life, in your work, in your family, in your town – then that becomes what you're about."
In other words, what we focus on/pay attention to expands, so we would be wise to focus on all that we do have versus what we do not.
"What you appreciate appreciates."
– Lynne Twist
However, in my experience and observation, we tend to dwell on what we don't have – or don't have enough of…particularly when it comes to money.
But what is enough?
To help us get to the heart of this rather loaded question, right before lunch Inga had us do a simple but effective exercise on gratitude. In our small groups, we each shared all that we have – or have had – in our lives to be grateful for.
After listening to myself tell the others in my group my rather extensive list of all that I am grateful for, I laughed out loud at my bounty of blessings.
I already have enough…of everything. All I have is all I need.
Another interesting concept discussed during the day was that how we spend, save and/or invest our money is connected to our story about money. And apparently we all have one.
To help us get to the root of what our story about money might be, Inga gave us homework to do over lunch. We had to think back on our life, in 5-year intervals, and recall an incident or event in each interval that had to do with money – and then see if any sort of pattern emerged.
Oh yeah.
In the afternoon we discussed spending habits and how money flows in our lives.
Intentional spending refers to spending your money on what you are committed to rather than on what others want you to want.
In other words, do we spend our money on things we really care about? Or things we think we're supposed to care about i.e. what advertisers tell us we should care about?
Inga suggested that spending our money is one way for us to express our life's purpose in this lifetime – so to try and think of our purchases in terms of whether or not they are in line with our life values.
Is the way we spend and/or save and/or invest our money a reflection of our values?
This is an interesting question because when we discussed it further as a group, it became clear that we often struggle with conflicting interests; how we spend our money may have negative impacts on others.
For example, one woman in the class raised the issue of fast fashion and how the dyes used in the garment industry pollute rivers plus millions of tonnes of clothes end up in the landfill after scarcely being worn. She also mentioned the harsh realities of child labour and the horrific working conditions for many people working in the garment factories in developing countries.
Then I brought up my personal concern about my love of travel and how I struggle to reconcile my passion for exploring new places with the reality of the significant impacts that travel has on the planet, such as greenhouse gas emissions.
All in all, I would say the day was a resounding success. The course certainly got me thinking differently about money, which is a step in the right direction towards transforming my relationship to it.
Ten Tips That Can Help Transform Our Relationship to Money:
1. Ask yourself: what is your relationship to money? Love, hate or indifference?
2. Focus on all that you already have – people, pets, purpose, possessions, health, etc
3. What you appreciate appreciates
4. Do not dwell on what you don't yet have i.e. what you lack
5. What you focus on expands
6. Pay attention to how money flows through your life
7. Think of all the good you currently do – and have done – in the world with your money
8. Forgive yourself for past financial decisions
9. Be mindful of how you spend your money: do your purchases reflect your values?
10. Are you aware of your "story" about money? Is it serving you or holding you back?
Is our definition of success dependent on our financial earnings?
Interestingly, after I finished writing this blog, I watched an excellent interview with Elizabeth Gilbert, author of Eat, Pray, Love. My friend Sherry had sent me the link to the interview months ago but I hadn't got around to watching it. Timing is everything 🙂
In the interview by Marie Forleo, Elizabeth discusses her recent book, Big Magic; Creative Living Beyond Fear, and speaks candidly about how people working on creative projects, such as writers, often expect or demand that their efforts make money – and if they don't, then it is not really a "success."
In other words, deep down, do we equate success with the financial rewards our efforts bring us?
That is a question that's certainly making me squirm, so for the next leg of my transformational journey, I shall be picking up both Big Magic and Lynne Twist's The Soul of Money. If I can get them at a used bookstore, even better!
Maryanne Pope is the author of A Widow's Awakening, the playwright of Saviour and the screenwriter of God's Country. Maryanne is the CEO of Pink Gazelle Productions and the Chair of the John Petropoulos Memorial Fund. If you would like to receive Maryanne's weekly blog, please sign up here.


text:
The message was too long to send. I tried rephrasing it and make it a little shorter, but the emotion i put into writing could not cover up the long a waited goodbye message I've been wanting to send you. Minutes gone to hours, hours gone to days, a shorter version of the message is still kept here unsent. I see your image on my LINE account with a happy photo on..imagining how happy you are while I struggle myself in ending this pathetic relationship I created with you. As i count the days and hours and moments, i got to realized what is holding me back in relaying a very simple message..it was the thought of finally losing you. Ending is really the hardest part of anything. It is like killing your favorite character in a movie..It's like finishing a dish you have been wanting to eat in ages..It is like going home from a very fun-filled trip abroad. I am a coward and I know I fear the reality of being alone. Though I've been so lonely for a long time search of happy ending with you...and now without the word HAPPY,..I have to end this with a courage here in my heart.
At exactly 11 in the morning, I sent the message I never thought it would be read by you. I said that you won't hear from me anymore and this means GOODBYE. I waited for his reply, but after minutes of waiting, i deactivated my account. It was like hearing a drumroll with the words sounding like; CONGRATULATIONS! from my ears, my heart stopped a beat and tears stayed in my duct glands. I didn't feel the need of crying, though my heart hurt. It'll take time to heal and let go of the memories we've had for 4 years. I felt happy and free with a sad heart. This is the end and I am so excited to start anew;)

subset: commoncrawl


text:
Piperine is the alkaloid accountable for the taste (spiciness) and smell of black pepper. It has also been facilitated in some types of conventional medicine and as an insecticide. The term black pepper is applicable for the plant Piper nigrum and the spice that is usually in the fruit of the plant. Piperine is a solid material insoluble in water.
Weight loss – Piperine assists in losing weight as it increase thermogenic activity. Thermogenesis is the way of developing cellular energy and this result in an increase in the metabolic rate of the body.
Inflammation – Piperine is also beneficial in relieving pain, specifically against illnesses where inflammation is involved for instance rheumatoid arthritis and osteoarthritis.
Cancer- According to studies, piperine is also good for lung cancer, studies conducted on mice has manifested a comprehensive drop in the formation of tumor nodules.
Enhances Absorption of Nutrients – Piperine is also considered to be promoter of nutrients like vitamin B6, glucose, curcumin, selenium, amino acids, and beta-carotene.
Mood Booster- Piperine is an alkaloid that catapults production of serotonin, a neurotransmitter that boost ones mood and also simmers down pain. When taken in the appropriate amount, piperine will offer you all the health benefits it has to provide.
The side effects of Piperine may include odor in feces/urine, change in taste, and diarrhea. The expecting women and nursing mothers should not take piperine supplementation without the advice of doctors.
However, precaution should be taken particularly for pregnant women. They should first consult a doctor prior to starting any supplements with piperine.
The recommended effective dosage of Piperine is 10 to 15 mg on regular basis.
Although you can consume piperine through natural dietary sources like black pepper, you can also intake supplements with piperine and with other nutrients for instance vitamins, minerals, amino acids, and herbal intakes which enhance utilization.
All those individuals who are suffering from cancer, obesity, and mood swing disorder can get the benefits of piperine if used regularly and with right advice of physician.


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text: Hi guys, is everyone enjoying the new year and accomplishing your 2017 goals? All I can say I've been super busy and believe it or not, this is my FIRST, yes, you heard that right, my FIRST post this year. I'm trying not to be so hard on myself and just keep doing the best … Continue Reading


text:
Saturday, April 11, 2009
We Have a Flicker!
25 comments:
- Carrie said...
I have to start thinking about the success of this pregnancy rather than waiting for the other shoe to drop.
That is so hard. I'm now 8 months pregnant and STILL don't truly believe this is happening. I still check the toilet paper each time I go to the bathroom - well, maybe not everytime now as I'm in there half the day; I still sometimes wake up in the morning convinced I've lost the baby over night. He doesn't appreciate the morning pokes he gets, but as soon as I feel him move, I can get on with my day.
It's hard. The positive pregnancy test, good betas and the heartbeat don't stop the pain of infertility. We are definitey more aware of how precious the pregnancy is and how lucky we are, but at the same time we are a thousand times more aware of what can go wrong... and for anyone who has been on this path, waiting for the other shoe to drop becomes second nature.
Your shrink is right though. You have to try to enjoy it... because how sad would it be to get to the birth of your child only to realize that the previous nine months were filled with nothing but heartache and worry.
Anyway! Sorry for the book! Congrats on the heartbeat! You didn't mention so I'm assuming you didn't get to hear it? I highly suggest looking around on Craig's List for a used fetal doppler. We got one for $65 and it has been a Godsend for my sanity... especially during the first trimester.
- April 11, 2009 at 10:37 AM
- Emily said...
Wonderful! Congrats! Sounds like your Doc is one smart lady! Easier said than done though - one day at a time :)
- April 11, 2009 at 11:26 AM
- Mick said...
That's utterly fantastic! Congratulations on the healthy heartbeat!
- April 11, 2009 at 11:29 AM
- Lea said...
That is so wonderful!!! Congratulations! :)
I know it's hard to believe it, and even harder to move past all the failure. You've been through alot. It sounds like you are in good hands though.
- April 11, 2009 at 12:29 PM
- Alex and Jill said...
Hearing the heartbeat was AMAZING for us, as well. I can't wait to hear it again next week! I'm so happy for you guys. Praying that you have a happy, healthy pregnancy.
Happy Easter!
- April 11, 2009 at 12:56 PM
That is awesome - congrats!
- April 11, 2009 at 3:16 PM
- Lauren said...
Thanks for you comment, and I'm so excited you have a heartbeat! I could have written part of you post myself...about wanting to enjoy the pregnancy rather than waiting for the other shoe to drop. You're right, the difficulty of infertility doesn't go away with the positive pregnancy test. But I'm working on enjoying where we are right now and not wasting this time worrying. COngrats to you!
- April 11, 2009 at 4:27 PM
- Penny said...
Yay, congratulations!
Tucking the fears away seemed to get better for me after that ultrasound. In the second trimester, I was able to actually embrace the pregnancy better. So, I think it takes time. It's good to keep wanting to get to a better place, but I think it's a long process.
- April 11, 2009 at 5:10 PM
- womb for improvement said...
That is fantastic. I hope you manage to start enjoying it soon.
- April 12, 2009 at 9:07 AM
Congratulations! I've enjoyed following your journey and look forward to reading more as you learn to embrace your pregnancy with excitement. Hoping for many more healthy ultrasounds in the coming months!
- April 12, 2009 at 11:19 AM
- nishkanu said...
We look towards our approaching 1st ultrasound with the same trepidation. So, so happy for you that it went so well!! Hope to be standing on the "other side" with you soon. Embracing a pregnancy is hard when you've dealt with loss and failure, your emotions sound very familiar to me. Hope you find some ways to hope and believe soon.
- April 12, 2009 at 11:28 AM
- Bottoms Off said...
Awesome! Congratulations!
- April 12, 2009 at 7:52 PM
- courtney said...
Oh how wonderful! Love each one of those 140 beats per minute!
- April 12, 2009 at 9:15 PM
- Cassandra said...
Congratulations!!! So exciting!
I hope you're able to enjoy every day as much as a (recovering) infertile can. :)
- April 13, 2009 at 12:50 AM
- Barefoot said...
Congratulations! What wonderful news. :)
- April 13, 2009 at 1:11 PM
- I Believe in Miracles said...
YEAH!! this is so exciting.
- April 13, 2009 at 2:17 PM
- Meant to be a mom said...
I found your blog through another girl and wanted to tell you CONGRATULATIONS on the heartbeat. Thats such an amazing thing to hear. My prayers are with you and your baby. How exciting.
- April 13, 2009 at 5:33 PM
- just me said...
I am so incredibly happy for you!!! I hadn't been on here in a couple of days, but I have thought about you often and wondered if you were beginning to see your dream turn into reality. Yeah!!! It doesn't get more real than a tiny heart beating. Isn't that one of the most amazing things EVER!!! I hope you have been able to let some of the joy sink in and are starting to realize that you are actually PREGNANT!!! You ARE a mommy! WOW!!!!
- April 13, 2009 at 5:34 PM
- Rose's Daughter said...
Hey, I decided to delurk to comment. Congrats on seeing the Heartbeat! I am so happy for you. But I understand completely when you say "I have to start thinking about the success of this pregnancy rather than waiting for the other shoe to drop." I've been doing that for 3 weeks now. I have my first ultrasound tommorrow. I hope I will be able to say the same thing.
- April 13, 2009 at 6:21 PM
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Hi, swinging on by from LFCA. I have my very first U/S tomorrow for this pregnancy. I've never seen a live baby or heartbeat on U/S before, so this is HUGE! I pray that I get the same perfect results you did. Congratulations!!!
- April 13, 2009 at 8:01 PM
- LANIE said...
That is wonderful!!!I am so happy for you!!
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ELEVATION by ANNE MOURIER{0}
OCTOBER 7 – NOVEMBER 4 – EXHIBITION – Anne Mourier's second solo exhibition at the Invisible Dog Art Center, Elevation, invokes the forces of the feminine reemerging in today's society. A pensive procession of pails of water leads from the entrance into the reaches of the gallery. Three monumental wooden altars display both utilitarian cleaning supplies and sculptural reliquaries of them. Floating overhead, the ethereal image of a figure in peaceful surrender is fragmented across three delicate silk panels. In a continued exploration of site-specific installations, Elevation relies primarily on the gallery's natural light to transform the space into one of self-reflection as it conjures a conversation about the spiritual and symbolic implications of acts of cleaning.
Anne Mourier is a French-born, Brooklyn-based artist. She had her first solo show in 2013 at the Glass House @ The Invisible Dog Art Center, which she designed to host her work. In 2015 she exhibited at the CAOS Gallery in Venice, Italy, during the Biennale, and the following year showed large installations in France, as well as an exhibition at the Musée Yvonne Guegan in Normandy. This October she is returning to The Invisible Dog with her largest installation yet, Elevation. Her book Maries, a monograph of her work of the past ten years, its origins, and the process it derived from, which she published in June 2017, will be presented during Elevation this fall.
Opening reception:
Saturday October 7th, 6-10PM
October 7 – November 4
Thursday to Saturday from 1 to 7PM
Sunday from 1 to 5PM
Tuesday and Wednesday by appointment only
Closed on Monday


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University of Iowa Foundation News Release
Jan. 26, 2012
Iowa Ladies Football Academy commits $1 million toward new UI Children's Hospital
As registration opens today for the second annual Iowa Ladies Football Academy, set for June 9, the event's organizers have announced a five-year, $1 million pledge toward the construction of the new University of Iowa Children's Hospital.
In partnership with the UI football program, the Iowa Ladies Football Academy offers women an intensive one-day immersion in the Hawkeye football experience and the opportunity to benefit UI Children's Hospital through their personal fundraising. Nearly 300 participants raised more than $150,000 at the inaugural academy in June 2011. Leaders of the 2012 Iowa Ladies Football Academy anticipate even more impressive numbers this year.
Mary Ferentz, chair of the UI Children's Hospital Council, and her husband, UI Head Football Coach Kirk Ferentz, described the significance to them of this gift commitment.
"It is especially meaningful to us that our time associated with the university be defined by more than X's and O's and wins and losses," says Mary Ferentz. "We are very pleased to be part of the Ladies Football Academy's pledge for UI Children's Hospital, and we look forward to the group's recognition in the new facility. It is a collective effort all the way, from the coaches, players, planning committee, and volunteers, to the hundreds of women who will participate in this event."
Kirk Ferentz adds, "All of us involved with this project are grateful for the opportunity to make a difference in the lives of sick and injured children. Mary and I and the entire Iowa football family have been enriched by the experience and are very proud to be a part of it."
The planned new UI Children's Hospital will be an 11-story, 213-bed, 371,600-square-foot building located adjacent to UI Hospitals and Clinics, just east of Kinnick Stadium. It also will include 56,250 square feet of renovated space in the existing facility. The new UI Children's Hospital will have dedicated operating rooms, procedure suites, pediatric clinical services, and support spaces for patients and families such as classrooms and an outdoor healing garden. Plans call for groundbreaking in the coming year and completion of the new hospital in 2016.
"The new UI Children's Hospital represents a significant step forward in creating a system of care for Iowa's children, and this very generous $1 million commitment from the Iowa Ladies Football Academy gives us great momentum in our fundraising efforts for the new children's hospital," says Jean E. Robillard, M.D., UI vice president for medical affairs. "All the women taking part in this special event should know that while they are engaging in football drills and running through plays, they can be proud of their hard work off the field, too, and be confident that their efforts will be a game-changer in the lives of our pediatric patients and their families."
Online registration and other information about the academy can be found on its website, www.iowaladiesfootballacademy.com.
The UI acknowledges the UI Foundation as the preferred channel for private contributions that benefit all areas of the university. For more information about the foundation, visit its website at http://www.uifoundation.org.
STORY SOURCE: The University of Iowa Foundation, P.O. Box 4550, Iowa City, Iowa 52244-4550
MEDIA CONTACT: Forrest Meyer, UI Foundation, 319-467-3661 or 319-530-1558, firstname.lastname@example.com
PHOTOS: http://news-releases.uiowa.edu/2012/january/images/012612ladiesfootballacademy.png


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Just a taste of Sarah Lynns music....
Sarah Lynn- Lead Guitar/Lead Vocals
Drums- Paul Bauer
Violin- Darren Chan
Bass- Neal Conway
Mandoline/backup vocals- Emilie Herr
Sarah Lynn is a small town country artist. She started off singing at church growing up. Her father (Bob Herr) taught Sarah everything she knows about performing, acoustic guitar, and singing. Sarah's passion for music is felt in every song she writes. Each song tells a story, and the dark twist each song has will get you hooked!
Sarahs country sound is a little darker than most country. Her music was influenced a lot by Johnny Cash, Chris Stapleton and Chris Knight. From shooting guns, to running from the law, Sarah Lynns music has it all.
Time to get country!
This video shows live performances from the Sarah Lynn Band At The Intersection and Sarah's Album release party at Bells Brewery!
Sarah Lynns First Music Video


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Cityscape and Economy
A Roman settlement called Tarsatica once occupied the site of Rijeka. It was captured and destroyed about 800 by the Frankish emperor Charlemagne. By this time Slavs had already begun to settle in the area. About 1471 control of the town passed to Austria. From about 1723 to 1776 it was a free port. Between that time and World War I, except for a few years under the French emperor Napoleon, the city was controlled…


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Episode Eighty-One - "Short answer is... too bad?"
This week, with very special guest Michael Wynne
Mind Grapes: We get after those early December blockbusters! Doctor Strange, Arrival, and Fantastic Beasts and Where to Find Them are all discussed. We also talk some books with The Expanse series, wildly popular television with The Great British Bake Off, and some real culture with the Star Trek Exhibit at the EMP in Seattle.
Class Z(ed): Michael returns to the podcast to tell us about the continuation of his career. In his first appearance in Episode 11, Michael told us all about his work at the Xwi7xwa Library at UBC. His work in this regard has continued as he is now a Digital Applications Librarian at Washington State University working with ethical curation, the Plateau Peoples Web Portal, and the Tribal Stewardship program.
Doctor Strange
Fantastic Beasts and Where to Find Them
The Expanse Series by James S. A. Corey
Great British Bake Off
Star Trek: Exploring New Worlds
The Plateau Peoples Web Portal
Mukurtu CMS
Center for Digital Scholarship and Curation - Washington State University
This work is licensed under a
Creative Commons Attribution-NonCommercial-ShareAlike 2.5 Canada License.


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One of the opportunities opened up by the wonderful world of derivatives is vote-buying in corporate elections. To do that, you buy the stock, with the vote, prior to a contested shareholder vote. At the same time, you enter into what are called "equity swaps" with a friendly broker, who for a fee agrees to reimburse any losses you might suffer from owning the shares, and to receive any profits.
One of the more outrageous cases of that came in the 2004 takeover of King Pharmaceuticals by Mylan Labs. A group of Mylan shareholders was fighting the takeover, arguing that Mylan was overpaying. That threatened the financial interests of the Perry Corporation, a hedge fund manager that owned a lot of King shares — and that had increased its bet on King through merger arbitrage trades intended to profit if the deal went through.
The S.E.C. reports:
In order to increase the likelihood of consummation, Perry purchased Mylan shares in order to vote the shares in favor of the merger. At the same time, in order to avoid the economic risk of owning Mylan shares, Perry entered into a series of swap transactions designed to hedge fully its financial exposure from owning the Mylan shares. The swap transactions provided that the swap counterparty would reimburse Perry for any decrease in the market price of Mylan shares between the time of Perry's purchase and the time Perry's position was unwound, which had the effect of insulating Perry from movements in the Mylan share price. As a result, Perry acquired the voting rights to nearly 10 percent of Mylan's outstanding shares without any economic risk of share ownership. Perry's ability to acquire the voting rights to Mylan shares without disclosure enhanced its ability to profit potentially from its merger arbitrage position.
Mylan never did buy King. The deal collapsed after Carl Icahn, a large Mylan shareholder, started a tender offer for Mylan, which also failed. It is not clear how Perry did on its positions in the companies.
The S.E.C. settled an administrative proceeding against Perry today, for a payment of $150,000.
Perry was ruled to have violated disclosure requirements by not disclosing its stake in Mylan when it passed 5 percent. (It argued that as an institutional investor, it could delay the report because the share purchases were in the normal course of business. The S.E.C. said vote-buying was not in the normal course of business.)
It is worth noting that vote-buying itself was not the subject of the S.E.C. action. There is no case that indicates there is anything illegal about that.


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Everybody loves a daycare. What's more fun than watching little babies play, nap, giggle and learn from each other? Get ready to have an extra dose of job jealousy for the workers at the Chengdu Research Base in Sichuan, China.
This "daycare" is a nursery and breeding center for these adorable little panda cubs to ensure they grow up as healthy as can be.
Hopefully as these cuties grow up together, some puppy love will spark among some of the pandas -- researchers are hoping that they'll breed together.
The panda population is dwindling rapidly and may be as low as 1,864.
Female pandas are only able to breed 2-3 days out of the year and produce a cub every two years so babies are a precious resource.
The baby pandas would be highly vulnerable out in the wild.
Adult pandas require a lot of bamboo and many predators are wily enough to wait to prey on the cubs when the mother is out feeding.
As adults, pandas have very few natural predators.
It is believed that the lifespan of a panda out in the wild would be upward of 25 years.
Humans are by far the greatest threat to the survival of pandas.
Poachers, musk deer trappers, tourists and land developers all present threats to the survival of the panda species.
But here at Chengdu, a little panda can thrive.
The research base was founded in 1987 to house pandas and other endangered animals.
Chegndu began with six giant pandas that had been captured from the wild and removed from threatening situations.
By 2008, those 6 pandas had produced 124 offspring.
Today, Chengdu's panda population is 83, one of the largest in the world.
Many organizations and zoos work with Chengdu to help preserve this amazing animal.
From the US, Zoo Atlanta lent Chengdu two giant pandas, Yang Yan and Lun Lun.
The Atlanta pandas found panda mates and produced five panda cubs in total.
The Chengdu Research Base is open to the public. You can check it out and learn more about their baby panda daycare program here.
Via: Bored Panda


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Partner Spotlight: Messiah Lutheran Church and Partner, Melissa
Another month has passed with the Salvation Army Congregational Partnership Program and we are checking in on the status of a particular partnership with Messiah Lutheran Church. The Church's efforts to end homelessness are led by Pastor Tom Bartzsch, Daina Bartzsch and Doris Kayser. They have partnered with a mother and her two children, doubling as a spiritual support and willing resource for the family.
"This is our first partnership and we have enjoyed the opportunity to get to know Melissa a little bit better, to pray for her and her children, and to get her back on her way to a self-sustaining 'homed' life with her children so that she may 'train them up in the way they should go' and be confident in HER God-given abilities as a mother to raise her children right and give them what they need," the Pastor explained.
However, Pastor Bartzsch, Daina, and Doris do not act alone in their journey to end the family's homelessness. Doris and Daina have served as the lead volunteers alongside Melissa by providing a very reliable and constant form of communication. They are also joined by a team of selfless volunteers and a new deaconess who specializes in mercy ministry, which provides a perfect avenue for her to demonstrate her gifts. The partnership has benefited both parties: a valuable learning experience for the ministry and a new beginning for the family.
Learning the true meaning of homelessness and the battle against it is one that Messiah Lutheran Church is learning every step of the way.
"The CPP helped to change our congregation's understanding of homelessness – yes, it does include those we see on the streets who are alone, but so much more. To gain an understanding of how circumstances can put a family in a homeless "crisis" opened our eyes. It then becomes easier to wrap our arms around the idea of providing the "hand up" rather than the simple "hand out," said the Pastor when asked what he has learned from the Partnership.
This is an essential but hidden learning experience that the Congregational Partnership Program hopes all who embark on the journey discover.
Messiah Lutheran Church has been blessed with an experience from which they can take away not only a sense of great service but also a lasting relationship which can spread the work of God.
"We look forward to our next partnership, knowing that each one will be a little different, and pray that just as our partner family grows, we will grow as a congregation in faith towards our Savior and in fervent love towards one another, living out that love He first showed us," explained Pastor Bartzsch.
We here at the Congregational Partnership Program are thrilled to hear of the great success that this partnership has brought and would like to share Pastor Bartzsch's words of encouragement with any congregation that may be wondering how they could become a CPP partner:
"One of the challenges of doing any mercy/charity ministry is seeking to be confident that you are helping people in the right way and being wise stewards of the resources God has given to the members and the congregation. Having the Salvation Army do the screening and providing the guidelines for what is acceptable in terms of help and assistance allows the focus to be on the partnership itself, and provides that needed confidence."
For more information on how you or your congregation can become involved, visit us at www.sasocialservices.org; or contact Raechel Wrona, at 616-454-5840 ext.3030 /[email protected]Tags: CPP


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Three things top the list of any thought of installing new kitchen countertops.
The second and third are durability, which includes maintenance, and cost.
But first is what you want to achieve.
"I always ask clients first what their goal is. Are you doing it to sell, or is it your dream kitchen?" said Radka Sumberova, design consultant for Suran Built Inc., an award-winning remodeling design firm based in Crystal Lake.
The firm specializes in home custom projects with a team of designers and contractors whose mantra is "Making Memories Luxurious."
Focusing on kitchen countertops, Sumberova said even someone selling should consider return-on-investment value, and if planning to stay, the role the kitchen plays in the home and family.
Some kitchens are the "heart of the home" for daily use by family and close friends, while others are an extension of other areas for casual and formal entertainment.
That folds into the other factors: uniqueness and durability, which also means maintenance.
Sumberova said quartz and granite are the top choices. Quartz countertops are made from crushed quartz rock blended with resins and colors to achieve a look, even marble. Granite is a chunk of stone sliced into a slab and polished to bring out natural color.
Quartz is hard and non-porous, so spills don't seep in and heat doesn't leave marks or "bubbles."
Granite has similar qualities, but appears more unique since it is cut from natural stone, and imperfections give each piece its own character. A sealer is typically used to maintain the surface beauty.
But it comes back to Step One, your intention.
"You need to give it a lot of thought," she said. "If it's your dream kitchen, consider uniqueness. You want to express your own creativity."
Suran Built Inc.
30 N. Williams St., Crystal Lake, IL 60014
(815) 444-1293


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Return Policy
We like to keep things simple. We also want our customers to be 100% happy.
With that in mind, here is our Return Policy
Return Policy for Ready Made (Non-Custom) items
- We offer a 30 day return policy on all non-custom items
- Items must be returned in the condition in which they were received with all accompanying paperwork
- You must contact us to start the return process
- Once you expressed your intent to return an item, directions will be provided for shipping the item back
- We will pay return shipping
Policy for Custom Made pieces
Before you read the items below, we would like you to know one thing:
We have been making custom jewelry for over 25 years. In all our years of business, we haven't had one single return. In the very few cases where a client wasn't absolutely thrilled with their purchase, we discussed the reasons why they were unhappy with their purchase, and we made it right.
- Minor modifications will most likely incur no additional cost
- Re-sizing is free for the first year of ownership
- Major work that will require re-manufacture of your jewelry may require an additional fee
- We will do whatever we can, within reason, to make sure you are happy with your purchase
- If we cannot come to a mutually agreeable solution, please read the details below
We may accept returns of custom-made jewelry provided you pay all or a portion of design and labor fees, at our discretion. This represents a "sunk cost" for us, since we cannot ask our jewelers and designers to give us back money for the hours of love they've poured into making your unique piece of jewelry.


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Carlo Caldini, co-founder of Gruppo 9999, passes awayMonday March 20th 2017 by Peter Thomas Lang
Carlo Caldini, co-founder of Gruppo 9999, passed away on February 22 in his home in Florence, Italy. He was 76 years old. Together with fellow members Giorgio Birelli, Fabrizio Fiumi, and Paolo Galli, Gruppo 9999 was selected through an open competition to participate in the ground-breaking exhibition Italy: the New Domestic Landscape at MoMA in 1972, curated by Emilio Ambasz. Their contribution, Casa Orto—Vegetable Garden House, would become one of the defining projects in the early ecology movement. In revisiting the teachings of St. Francis the group introduced a new kind of architectural sensitivity, combining a deep respect for nature with advanced technology. Their "tondo" portrait of St. Francis, with a television monitor broadcasting the Saint's image above, eloquently spoke to the great dichotomy of their era, where technology was seen to defile nature. For Gruppo 9999, nature and technology could co-exist in building a better environment for living.
Gruppo 9999 emerged from the same post-war generation that engendered the Florentine Superarchitecture movement, from which emerged Archizoom and Superstudio. The first collective assembly formed in 1968 was called 1999, but reconstituted itself in 1970 as 9999. They went on to found the discotheque Space Electronic in 1969, a self-organized production, constructed on collective know-how and communal labor. Inspired by a visit to Andy Warhol's Electric Circus in New York, half ludic dance hall, half cybernetic chamber, the Space Electronic discotheque succeeded in consolidating 9999's reputation as a critical player among this second wave of Radical Italian designers.
While the discotheque hosted a number of major acts, including the Living Theatre's Paradise Now directed by Julian Beck and Judith Malina, the Nobel prize winner Dario Fo with Franca Rame, along with Rory Gallagher and Van Der Graaf Generator, it is this author's opinion that one of their most significant contributions was the launching of a new form of temporary radical design school. Born from a collaborative effort with Superstudio, the Florentine discotheque was transformed into a tactical site for full-scale installations and performance spaces during the Mondial Festival: Life, Death and Miracles of Architecture, that culminated in a three-day event in November of 1971.
This festival included the experimental learning center called S-Space: the Separate School for Expanded Conceptual Architecture. It was the first school of its kind to chart the progress of the Italian Radical design movement. This short-lived project, to an extent related to Alvin Boyarsky's International Institute of Design (IID) whose summer sessions included the participation of many of these same Italian groups, is one of the lesser-known chapters in the Radical movement's history. The Mondial Festival featured Gianni Pettena, UFO., Remo Butti, and Zziggurat, the Milanese pamphleteer and media theorist Ugo La Pietra, the Florence-based Fluxus musician Giuseppe Chiari and Florentine artist/musician Renato Ranaldi, along with several international contributors, including the American Ant Farm, and the San Francisco–based Portola Institute and from England, Street Farmer. With the slogan, "…we should better love our planet!" the event proved to be a significant study in cross-disciplinary actions, and just as importantly, the testing grounds for full-scale installations and live interventions. Space Electronic was an ideally receptive environment for the type of multi-purpose and interactive happenings that so distinctly characterized the Radical Italian design movement in this prime moment. The catalog, a white fake fur covered publication, remains a rare collector's item. Carlo Caldini ran Space Electronic right up until the end, remaining an important figure in Florentine culture. With his passing, we lose another important eye witness to this critical period in architectural history.
- Manifesta 12 is the real deal. Architect's Newspaper — 26.07.2018
- How the 1980 Venice Biennale transformed architectural discourse REVIEW — 23.05.2018
- Stalker Naked Archive Lottery the Exhibition ETH Zurich — 01.03.2018
- Beyond Change Questioning the role of design in times of global transformations Swiss Design Network Summit, March 8–10, 2018 — 07.02.2018
- book presentation at the Museo Pecci: "Neoavanguardie e controcultura a Firenze" — 23.12.2017
- Architect's Newspaper review: In Florence, an unprecedented gathering at "Radical Utopias" — 18.11.2017
- DeSingel Antwerp: Drawing Ambience — 24.10.2017
- Radicals Marathon/Maratona Radicals 23/10/17 — 13.10.2017
- Pelin Tan: talk on Autonomous Infrastructure, @ Konsthall C — 07.10.2017
- the Skissernas Museum: The Fake, The False and the Fraudulent: coding and uncoding public monuments in contested spaces — 07.10.2017
- Triple I: Investigating Interdisciplinary Informality, 3-4 Oct. 2017 — 07.10.2017
- "Anti Modus Operandi – radical strategies for social engagement in architecture and design in the 60's and 70's Italy" — 23.08.2017
- Domus Academy: Prototyping Ideas — 20.08.2017
- Interdisciplinary urban dialogue-Workshop Varberg, Sweden — 23.07.2017
- Rowe Rome: City of Good Intentions, 21-23 /6/2017 — 23.06.2017
- The Architecture of Bogdan Bogdanovic and the Iconographic Resistance to Balkanisation — 11.04.2017
- Carlo Caldini, co-founder of Gruppo 9999, passes away — 20.03.2017
- Architectures, Natures & Data: The Politics of Environments Conference Tallinn — 14.03.2017
- KTH talk: S – SPACE THE EXPERIMENTAL CLASSROOM. 1970 – 1971 — 01.03.2017
- The Last Avant-Garde, radical design in Italy 1966-1986 — 27.02.2017
- Proof Aliens Exist in Rotterdam! — 21.02.2017
- Theory's History Challenges in the historiography of architectural knowledge — 05.02.2017
- Proof Aliens Exist and other Projects about the Future — 09.01.2017
- The Society of Interiors, AADR Publishers — 30.11.2016
- Urban Day December 6 — 29.11.2016
- International Lectures Series Royal Danish Academy of Fine Arts — 04.10.2016
- Walkabout "Mandrionesca" Promiscuous interferences for Roma Poesia, Wednesday Sept 14 — 12.09.2016
- Stalker: Ground Walk, Vilnius — 21.06.2016
- Book Launch, at the Acquario, Casa dell'architettura: Rome Nome Plurale di Citta' — 15.06.2016
- Under Siege: Stories from Kurdistan in Rome/ 30 May, 17:00 — 29.05.2016
- R-Lab Reification: at Alpha and Beta Ville — 24.05.2016
- Stockholm University: Curating Architecture — 04.05.2016
- Mashup: the Birth of Modern Culture/ Vancouver Art Gallery — 22.02.2016
- Pedagogies of Space @Index — 12.02.2016
- Tank: "Bubbles" Magazine Launch, London. — 10.02.2016
- Studio Roma: Attraverso Le Istituzioni, Roma a Nudo — 30.01.2016
- Superstudio: the Continuous Room- Konstfack — 27.01.2016
- VICEVERSA Magazine No. 3, December 2105 — 23.12.2015
- REVIEW> SUPERSTUDIO'S LOST OFFSPRING A new exhibition explores the legacy of Superstudio in unexpected places. — 22.12.2015
- Code-X redux, Mardin Artuklu Mimarlik — 08.12.2015
- Code-X: Architecture, Utopia, Revolution: @Aarhus — 27.11.2015
- Italian Radical Education in the Age of Dissent, Warsaw — 21.10.2015
- Super Superstudio: PAC, Milan — 11.10.2015
- R-Lab, Architecture Design Media: new course at the Royal Institute of Art, Stockholm — 08.07.2015
- TALK SHOW "Display on Display" Tensta Konsthall April 15, 2015 — 27.04.2015
- Just out: Materia Arquitectura Magazine edited by Nicolás Stutzin — 20.03.2015
- 3 x Superstudio: Jolly 2 Pistoia 1966, Trigon Graz 1969, Mana Art Rome 1971 — 02.03.2015
- Frederick Kiesler: Visions at Work Annotated by Céline Condorelli and Six Student Groups — 08.02.2015
- Research Week at the Royal Institute of Art — 28.01.2015
- Rem Koolhaas' Biennale: or How the Tempest Swept Venice A/N BLOG — 20.10.2014
- Colonialismo e Identità Nazionale L'Oltremare tra Fascismo e Repubblica Seminario Nazionale SISSCo — 25.09.2014
- Art in Translation: the border complex. Reykjavik 18-20 September — 16.09.2014
- TallkottTalk: 29 August 2014: Stockholm: Alienlands: the New Communities — 30.08.2014
- JAE Reviews Exhibit Review: Forms of Freedom: African Independence and Nordic Models at the Venice Biennale — 15.07.2014
- radical pedagogies/ 14 biennale architecture Venice/ — 14.06.2014
- Biennale Urbana/ Swiss Pavilion/ ETH / Stalker Walking School — 11.06.2014
- Urban Re-Mix: the Final Review 27 May/ Exhibition Inauguration-28 May — 22.05.2014
- Haunted by Shadows of the Future: Horizons, Jam Session! — 27.03.2014
- Private Conversations in Public Places #1. — 09.03.2014
- Urban Re Mix: the WORKSHOP: Haunted by Shadows of the Future-Artefacts — 23.01.2014
- organising discourse Open Lecture at the Konstfack (Svarta havet) — 13.01.2014
- Architecture on Film: Italy – The New Domestic Landscape, MoMA, 1972 + Q&A with Gaetano Pesce and Peter Lang Thurs 28 November 2013, 7pm — 30.12.2013
- Gizmo magazine interview with Luca Molinari on Environments Counter Environments — 11.12.2013
- Environment and Counter Environment the INLD films screening at the Barbican — 29.11.2013
- Esra Akcan reviews Environments and Counter Environments in JAE — 23.11.2013
- Kungl. Konsthögskolans forskningsvecka Royal Institute of Art's Research Week 21—24 oktober/October 2013 — 16.10.2013
- the Normalcy Project: Talk Show video — 07.10.2013
- Graham Foundation Chicago Opening September 18 2013 — 21.08.2013
- Urban Re-Mix Course Calendar — 01.08.2013
- Space Metropoliz Screenings in Rome — 15.06.2013
- NEW: 2013-2014 "Urban Re-Mix" Arch Theory/Arch History at Mejan Arc KKH Stockholm — 24.05.2013
- Common is the Everyday: Commoning the City at the KKH — 05.03.2013
- News Update: R-otel project – Refugee Camps and Shelters ARCH 607 — 16.12.2012
- KKH/ Royal Institute of Art/ Mejan Arch/ — 12.12.2012
- east-west dialogues Symposium — 13.11.2012
- KLAT magazine — 21.10.2012
- GranTouristas populates the Venice Biennale Italian Pavilion — 21.08.2012
- "Just Architecture?" Lucerne University of Applied Sciences and Arts, Switzerland — 15.06.2012
- Little Italy Magazine for iPads and iPhones/ Milan Salone/ Portaluppi Circus — 26.04.2012
- Tischgespräch 24.04.2012, Kunstakademie Düsseldorf — 26.04.2012
- Milan Salon di Mobile — 26.04.2012
- La Liga Mexico City "Africa e Vicina" — 06.02.2012


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Las Colinas is conveniently located near shopping, schools, and public transportation.
All of the apartment homes feature ceramic tile flooring and a stackable washer/dryer. Project amenities include a swimming pool, a grass field with soccer goals, and a sail- shaded childrens playground. The community is walking distance to a grocery-anchored shopping center and public transportation.


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The roughest part of composing an article should be beginning it. This is an important variable in writing a blooming article. A superb essay is the one that carries the right information in a straightforward and comprehensible way. Before you start writing, pick your place of interest, it may possibly be something, essay writing or post writing, you'd realize most useful. The real key to attain entrance is actually not the issue, but how the essay has been composed. The next portion of your article outline centers on your own important justifications. This might make the essential skeleton and precis of your own article. Get several eyes papers help or specialist undergrad article experts that will give you a hand. A superb title sums up simply what the composition is about. Instead, it needs to be created so that the paragraphs seem connected to one another.
"bone-chilling: a history of literary terror." category literature through the ages.
The 1st article is just compared to itself. Start your composition using a thesis declaration. You must smooth out each of the kinks inside your essay. Therefore, you should be positive you do maybe not be all these errors and compose an article that is notable. This is really a quite vital measure, therefore be sure that this really is as near the closing article as it may definitely be. Then I did that using the remainder of his own composition also.


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What is the true cost of an MOT test? via autocar.co.uk
How much does your MOT cost?
I ask because the people who run MOT test centre search website MOT Angel have suggested that any garage offering a knock-down test for, say, 20 quid, may not be offering the very best attention, service or value.
Published: 29/05/2017
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Daily Divine: Friends from all over.
I love it when students show up to Intuition University from all over.
Not just from all over the United States, which is of course terrific…. but from all over the world.
Canada. China. Africa. India. Australia. Europe. South America.
All kinds of people, of all different races, religions, cultures, genders, ages.
To me, it is heartening to know that so many people on this planet are interested in spiritual intuition; that so many people are beginning to understand that the biggest thing we can do to change the world, is to change ourselves.
One way to do this is to study intuition, which leads us to spiritual growth. Another way to do this is to study spiritual growth, which leads us to intuitive opening.
One path, traveled from two different directions.
Every time we walk this path, we connect with the Divine/God/Univeres/One/All that we perceive as outside of, above, or bigger than ourselves.
And of course, when we do this the result is that we open and expand the Divine that is within ourselves.
We are doing this now, all over the world.
Opening to the Divine all around us. Opening to the Divine within us.
Soul growth may not be the majority view yet.
But consciousness is growing.
Wherever you come from, I welcome you on the soul path. Together, as One soul, we are changing the world.
Much love,
P.S. Sign up for the Goodreads Book Giveaway!
10/22/2016 09:34:09 am
Thank You,Sara. This is beautifully said.
10/24/2016 03:15:44 pm
Thank you Sakiba!
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Downhill Trek to Garbett Plateau
Trudging to the top of a mountain, staring at nothing but your shoes all the way, isn't our idea of a trek. We like treks...More3364 0
Trudging to the top of a mountain, staring at nothing but your shoes all the way, isn't our idea of a trek. We like treks...Moreaditya salvi 3364 0
Built around 500 BC, Kalavantin Durg is considered one of the most dangerous forts in the world. The rock-cut staircase snakes up the mountain, ending...MoreAditya Salvi 5876 0
Across the mountains, above the valleys, the trek to Peb fort is a picturesque trudge with an assortment of views. An old railway track lining...MoreAditya Salvi 1691 0
Do you fancy open water diving in crystal clear turquoise blue waters off the coast of Seychelles, then here is an exciting tour put...MoreStrayDog Team 2788 0
While most people will be taking the escalator to the food court at the mall, you will be climbing up to the highest peak in...MoreStrayDog Team 2489 0
Its time to hit the road this Republic day weekend as EcoAdventure brings to you an exclusive road trip to the beaches of Karnataka. Here...MoreStrayDog Team 1534 0
My first trip to Mumbai was a whirlwind one. I did not manage to go to many places. The second time, I got lucky. My...MoreRG 15593 0
"If the road is easy, you're likely going the wrong way".While leaving Mumbai just to explore the beautiful "Betaab...MoreBhakti 16818 0
"Papa where does Nanhi-pari stay!' asked my two and a half year old daughter. "Oh she stays far far away – above the tallest-trees, above...Moreupsc 1128072 0
I tried out tandem paragliding off Mount Babadag ( height: 2000 m) overlooking the Oludeniz beach, rated one of the best photographed beaches in the...MoreINDRO 15649 0
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New Works this Weekendby sarah - May 19th, 2017.
Filed under: concerts. Tagged as: American Composers Orchestra, Community Women's Orchestra, June Bonacich, Kathleen McGuire, Lisa Bielawa, Nina Young, Orchestra of the League of Composers, Sheree Clement.
There are lots of opportunities to hear works by contemporary women composers this weekend, and throughout the coming week!
On Sunday, May 21 the Community Women's Orchestra in Oakland, California will present Forbidden Voices, including June Bonacich's Sorrow is a Willow Tree and a selection from Street Requiem, an enormous and internationally performed work composed by Kathleen McGuire, Andy Payne, & Jonathan Welch that brings awareness to issues of homelessness. Find out more information and tickets about this weekend's concert here.
The American Composers Orchestra is presenting a concert titled Parables on Tuesday, May 23rd in New York City as part of Symphony Space's Fuse Project. Included in the performances is the world premiere of Nina Young's Out of whose womb came the ice, an ACO commission. The work is scored for baritone, orchestra, and electronics. Tickets and more information here. For those not able to attend, read the full program notes for the work here, and watch a Composer Portrait of the composer below:
On Thursday, May 25 the Orchestra of the League of Composers will present their season finale at Columbia University's Miller Theater. The program will include the world premiere of Stories I Cannot Tell You by Sheree Clement, which was commissioned by the ensemble, as well as Lisa Bielawa's Start (Piano Concerto). Tickets and more information available here.


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The Warren Buffet Way of Trading Forex by Kathy Lien
With the outlook for the global economy brightening, the one lesson that the past few years have taught us is the need for diversification. For most people, investing means only one thing - picking which shares to buy.
However, in recent years currency trading has exploded and if you are eager to find out what the excitement is all about, you will be surprised to see that what moves currencies is not all that different from what moves shares. The best way to get started is to trade what you know - at least, that is what legendary investor Warren Buffett would do.
For example, if you are trading shares, you probably already have an opinion on the outlook for the Australian economy. Therefore, it shouldn't be a surprise that the price action of the Australian dollar also reflects the country's economic outlook.
For technical traders, the transition is even easier. Since currencies trade 24 hours a day, 5.5 days a week, there are a lot of data points, increasing the accuracy of technical analysis. You can employ the same technical toolkit you use to trade shares. In fact, you may find that the forex market is even more suitable for these strategies because of its unparalleled liquidity.
In his 2008 letter to shareholders, Warren Buffett said only four things really count when making an investment - which can also be applied to currency trading:
1. A business you understand = A currency trade you understand
Make sure you have a reason for every currency trade that you take - and it's not just because your mate thinks it is a good idea.
Your reasoning should be firmly based in fundamentals, technicals or both. Imagine that we were back in the first quarter of 2009; definitely a scary time, but one ripe with opportunities. The Australian dollar was being relentlessly hammered due to the unwinding of everything in sight and an all out push into safe haven assets. But what many global traders failed to realise was that Australia was more immune to the turmoil because of its relationship with China.
The country did not fall into a recession, avoiding much of the financial plague. If you believed in the strength and resilience of the economy at that time, and believed that the trading universe would eventually realise the disparity, you could have bought Aussies after prices consolidated in early March through forex or CFDs. The key is to understand the trade and to truly believe in it.
2. Favourable long term economics = Is the trend in your favour?
Whether you are using technicals or fundamentals, try to make sure that the trend is in your favour, because trends in the currency market can last for weeks, months and even years.
When trading currencies you are trading the outlook of a country, which usually does not turn on a dime. It typically gets progressively better or progressively worse - rarely will it get better/worse/better/worse, which explains why currencies can trade for weeks, months and in some cases even years.
Take the Australian dollar, for example. Between May and July of 2013, the currency was on a one-way downtrend against the U.S. dollar with only brief relief rallies. The uptrend in the GBP/USD between July 2013 and February 2014 lasted even longer and took the pair from a low of 1.48 to a high of 1.68. Although you may have been able to capture profits fighting those trends, you would have saved a lot of sleepless nights, been more relaxed and yielded better results if you followed the trend.
3. Able and trustworthy management = Do you have a reliable broker to execute the trade?
The most important part about trading is being able to get in and out of the trade easily. Make sure you trade with a broker that is regulated by local agencies.
It is important to trade with a trustworthy broker, because you never want to be exposed to counterparty risk. Find one that is licensed and well reviewed by trade magazines.
4. Sensible price tag = Are you paying up or coming in at value?
Since trends are so dominant, try to look for value opportunities rather than paying up and chasing a trade.
Warren Buffett always likes to find a bargain. It is important to follow this guideline as well, since trends can be very powerful and paying up would create a poor risk-to-reward ratio. Technical analysis tools could be particularly useful in helping to identify value points.
With these four rules in hand, you are on your way to exploring life outside of shares!
Kathy Lien
KATHY LIEN is Managing Director and Founding Partner of BKForex Trading Signals and BK Asset Management. Having graduated New York University 4 years early, Kathy started working on Wall St at the age of 18.
Her career started at JPMorgan Chase where she worked on the interbank FX trading desk making markets in foreign exchange and later in the cross markets proprietary trading group where she traded FX spot, options, interest rate derivatives, bonds, equities, and futures. In 2003, Kathy joined FXCM and started DailyFX.com, a leading online foreign exchange research portal. As Chief Strategist, she managed a team of analysts dedicated to providing research and commentary on the foreign exchange market. In 2008, Kathy joined Global Futures & Forex Ltd as Director of Currency Research and in 2012, she decided to branch out on her own with Boris Schlossberg to start BK Asset Management.
As an expert on G20 currencies, Kathy is often quoted in financial newspapers worldwide and appears regularly on CNBC. Kathy is an internationally published author of Day Trading & Swing Trading the Currency Market, The Little Book of Currency Trading and Millionaire Traders: How Everyday People Beat Wall Street at its Own Game.


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Praised in the Wall Street Journal as "a most mature and sensitive pianist" and named one of the "up-and-coming talents" in classical music by Musical America, Chinese-American Di Wu continues to enhance her reputation as an elegant and powerful musician. Her concerts have taken her across the globe, charming audiences from East to West with her "charisma, steely technique, and keen musical intelligence" (Philadelphia Inquirer) and her "fire and authority" (Washington Post).
Now based in New York, Di made her Philadelphia Orchestra debut in 2009. Her 2015-16 itinerary include a return to Carnegie Hall, performing Shostakovich Piano Concerto No. 1 with the Chamber Orchestra of New York, as well as a debut at Jordan Hall in Boston, performing Rachmaninoff Piano Concerto No. 3 with Longwood Symphony Orchestra. Other concerts include ree-engagements with North Carolina Symphony, Harrisburg Symphony and Flint Symphony Orchestra.
Di made her professional debut at the age of 14 with the Beijing Philharmonic, and has since appeared with orchestras such as those of Cincinnati, Fort Worth, New Jersey, Pittsburgh, Seattle and National Symphony Orchestra, in the U.S., and abroad with Hamburg Philharmoniker, Shanghai Symphony Orchestra, and Singapore Symphony Orchestra, to name a few. Some of the most eminent conductors have collaborated with Di including Charles Dutoit, Christoph Eschenbach, Miguel Harth-Bedoya, Yu Long, Ludovic Morlot and Carlos Miguel Prieto, among others.
In addition to orchestra engagements, Di is also sought after as a recitalist. In New York, she made debuts at Carnegie Hall and Alice Tully Hall at Lincoln Center, and has also appeared in such music centers as Chicago, Houston, Los Angeles and San Francisco, as well as at the Gilmore International Keyboard Festival, Ravinia Festival and the Portland Piano Festival. She is also a frequent performer in Europe and, of course, in major venues throughout Asia. Her most recent appearance in Tokyo, at an arena concert recorded and released by Sony-Epic Records in Japan, took place before an audience of over 11,000.
Ms. Wu's recording of Brahms' Variations on a Theme of Paganini, Books I and II received praise from Musical America, whose critic wrote "Her account of the Brahms is amazing. She takes all the difficult options (her glissandos are unbelievable!), and she conjures from the piano absolutely gossamer, violinistic textures, joyous humor, and brilliant air-borne tempos."
Winner of multiple awards including a coveted prize at the 2009 Van Cliburn Competition; The Juilliard School's Petschek Award; The Virtuosi Prize at Lisbon's prestigious Vendome Competition; and the winner of Astral Artists' 2007 National Auditions, Ms. Wu came to the United States in 1999 to study at the Manhattan School of Music with Zenon Fishbein. From 2000 to 2005 she studied at The Curtis Institute with Gary Graffman, subsequently earning a Master of Music degree at Juilliard under Yoheved Kaplinsky, and an Artist Diploma under the guidance of Joseph Kalichstein and Robert McDonald.


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Jason E. Lang, MD, an orthopaedic surgeon at Wake Forest Baptist Health, performs a computer-assisted total knee replacement.
Dr. Lang's areas of expertise include partial and total knee and hip replacement, minimally invasive joint replacements including uni-compartmental or partial knee replacement and anterior approach to total hip replacement, and revision surgery of the hips and knees.
Submit a question to Dr. Jason Lang


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We can always come up with long lists of reasons to travel to Greece but it's especially easy right now. We've seen a lot of Greece and want to see even more – Santorini in September maybe? These are the top 5 reasons we love Greece so much. (The first is true now but not always.): #1 Travel in Greece is affordable If your home currency is the euro then you are … [Read more...]
Plenty to do in Pelion!
Why Pelion? Did we go to the Pelion region of Greece because of its beautiful scenery from beaches to mountains? Because it's an important region in Greek mythology? To sample its exquisite pound-packing-on regional cuisine? No, we went because it's the only place that invited us! Blonde and Brunette have gone to an international conference for travel bloggers for the … [Read more...]
2014: Where we traveled , what we liked and what we didn't
Our travel in 2014 2014 was the year that we went from casual travel users to wild-eyed travel addicts. And, following in the footsteps of the late Amy Winehouse we won't go to rehab. We say "no, no, no" (but we do hope for a happier outcome). So, without further reference to dead rock stars here's our 2014 travel year in review: Doha What we liked: The … [Read more...]
Athens walking tour through the centuries and the shops!
A walking tour of Athens with Athens Insiders solved one of our recurring travel issues. We get to a city we haven't explored before and know the main things we want to see. But we don't have a good (or any) plan for how to do it all. Then we waste time trying to figure it out, ride public transportation going in the wrong direction and decide a glass of wine would be a good … [Read more...]


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West Hartford
New Britain
East Hartford
Rocky Hill
Hartford Hospital
Bristol Church Sponsoring Sports Camp
July 7, 2013
Bethel Christian Church is offering a sports camp with what it calls "a different spin. " Children in grades one to five are invited to "an upbeat sports camp and rally" with snacks, music and sports stories. The church says they will discover character traits that can help them excel in sports and in life. Bethel Christian also runs a series of youth and children's ministries during the summer. Sessions are from 8:45 a.m. to noon, July 15 to 19 at the church at 750 Stevens St. The cost is $15 per child for the week. Shin guards and a labeled soccer ball are suggested for soccer camp, and each child should bring a labeled water bottle each day. Pre-registration is available through Children's Minister Michelle Brown at 860 582-3995.
Haddam Neck Church Receives Grant
Elizabeth Malloy, Haddam Neck Congregational Church and Haddam
September 2, 2014
Earlier this month, the Connecticut Trust approved Historic Preservation Technical Assistance Grants, and Maintenance & Repair Grants totaling $209,902 to 21 municipalities and nonprofit organizations. The grants will make possible a minimum initial investment of $419,804 in these historic sites. The grants, intended to encourage and support community efforts in planning for the preservation, restoration, and rehabilitation of historic buildings and places, are part of the Trust's technical assistance program, in collaboration with and with generous funding from the Connecticut General Assembly and the State Historic Preservation office, Department of Economic and Community Development, through the Community Investment Act. The Haddam Neck Congregational Church (1874)
Renting Church Is Means Of Support
May 28, 2010
Renting Church Is Supporting It It seems the Rev. Connie Sternberg missed the mark about what support means [letter, May 27, "Church OK For Graduation Use"]. Just giving one dime to a church is supporting it. End of story. Graduations should never be held in a church. She also seems to miss the discomfort that being in a church brings to some people. And, yes, a school offering its auditorium for services would and should be accused of supporting religion.
Four Wethersfield Churches Join To Clean Mill Woods Park
By CHRISTOPHER HOFFMAN, Special to The Courant
August 27, 2014
WETHERSFIELD — About 150 volunteers from four local churches will spend all day Saturday cleaning and fixing up Mill Woods Park and the town's nature center. The large volunteer effort is a complement to a joint outdoor service the churches will hold in Cove Park Sunday, First Church of Christ Associate Minister Tom Walsh said. Walsh said that the root of Christianity is to serve others, which is what led the congregations to volunteer to spruce up the park and nature center.
Church To Host Fall Craft Fair
October 27, 2010
St. Philip and St. Catherine churches are planning a fall craft fair on Nov. 6. From 9 a.m. to 2 p.m., hand-crafted items, decorations and holiday gifts will be sold at the event at St. Philip Church, 150 S. Main St. There will also be a bake sale at the fair. —Melissa Traynor
Somers Congregational Church Holds Chocolate Bake Sale
By KIM VELSEY, email@example.com and The Hartford Courant
February 9, 2012
The Congregational Church is holding an "Anything Chocolate Bake Sale," this Saturday. The bake sale will include a multitude of sweet treats for Valentines (and sweet teeth). Confections are slated to include bars, breads, cakes, candy, cookies and pies — all of them involving choclate, of course. The bake sale will take place between 9 a.m. and 1 p.m. on Saturday at the Somers Town Hall, 600 Main Street. A breakfast of cinnamon rolls and hot chocolate will be served. The congregation's historic church burned in early January and the church is in the process of rebuilding.
Church Calls Police When Money's At Stake
June 23, 2010
In response to the June 20 story "$1 M Missing, Priest Accused; Archdiocese Asks For Police Probe" [CTNow]: Typical. The church wants police intervention when a million dollars are involved. But when it's kids being molested, the church turns cartwheels to keep everything covered up — all the way to the Vatican. Sure does show where its priorities are. Gretchen Tedeschi, East Hartford We tell you what's happening, when it happens, for FREE: Sign-up for Breaking News Mobile Text Alerts Subscibe to our Breaking News E-mails Try the News@3 Newsletter
Church Fighting To Deny Justice To Victims
By KEVIN HUNT
April 25, 2010
Several weeks ago, a victim in the St. Francis Hospital child sexual abuse case called me, sobbing and suicidal. "Nobody cares," he said. "Nobody cares." The Archdiocese of Hartford doesn't care, I told him. But Catholics care. People care. Someday, I said, the church and the hospital will apologize, acknowledging their responsibility, under the weight of public pressure, legal obligation or moral repentance. Do not give up, I told the victim, now over 50 years old. An apology is worth the fight.
Haddam Neck Congregational Church Plant Sale
Haddam Neck Congregational Church and Haddam
May 12, 2013
Haddam Neck Congregational Church Ladies Aid Society will hold their annual plant sale on Saturday, May 18 from 8 a.m. to noon at the Haddam Neck Grange Hall at the Haddam Neck Fairgrounds on Quarry Hill Road, Haddam Neck. Members wil donated plants from their own gardens and geraniums will be available for purchase. Coffee will be available. Proceeds support church restorations projects.
United Methodist Church Cantata
Scott Grabowski, East Longmeadow United Methodist Church and Greater Enfield
December 4, 2013
The choir of the East Longmeadow United Methodist church will present an original contemporary cantata for Christmas, Hope for the Lowly, written by the Church's music director and accompanist John Cavicchia, on Sunday, Dec. 15 in worship at 10 a.m. All are welcomed. Please visit their website http://www.elumc.org or call 413-525-7416 for more information.
Program Receives $24,000 In Gifts From Asylum Hill Congregational Church
Natalie Zembrzuski, YMCA of Greater Hartford and Hartford
August 25, 2014
The Wilson-Gray Youth & Family Center is the recipient of two gifts from Hartford's Asylum Hill Congregational Church (AHCC). Both benefit the YMCA Teen Incentive Program (Y-TIP), which provides a support system that helps underserved teens set and achieve personal and academic goals. The program currently serves nearly 90 underserved teens from Hartford's Clay-Arsenal and Upper Albany neighborhoods. A grant of $10,000 was awarded by the AHCC's Outreach Committee as part of their annual grant program, which supports Hartford area organizations and projects.
Plans For East Hartford Church Draw Lengthy Public Comment
BY HILDA MUÑOZ, firstname.lastname@example.com
August 14, 2014
EAST HARTFORD — The Pentecostals of Greater Hartford assured the planning and zoning commission and residents during a public hearing that plans to build a church at a residential cul-de-sac won't create traffic problems. "My opinion is that the impact of the proposed use would be insignificant," said James Bubaris, a traffic engineer hired by the Pentecostals. The commission voted Wednesday to extend the hearing to Sept. 17 after public comments ran long, with members of the church speaking in favor of the project and residents expressing concern over the possible impact to surrounding neighborhoods.
Church-State Issues
Letter to the editor
August 12, 2014
When we had the debate about the Enfield schools having graduation ceremonies in a church, I asked the question, "How would these people feel if it were held in a mosque?" Well, a very similar situation did occur, with the results that my question predicted. Muslims in Tulsa, Okla., thanked police for responding to a bias-oriented threat by holding a Police Appreciation Day at a local mosque. And one police officer refused to attend, saying it conflicted with his religious convictions.
Eugene Brewer, Founder of Manchester Church of Christ, Dies At 87
By MICHAEL WALSH, email@example.com
August 5, 2014
Dillard Eugene Brewer, founder and minister of the Manchester Church of Christ for 31 years, died July 13. He was 87. Known best as Eugene or Gene, Brewer was born in the small, rural town of Chandler, Okla., to parents who were both farmers. Brewer began his long career as a preacher in Chandler at age 16. "The family was very involved in the church," said his daughter, Janet Stice. "My grandmother, when he was pretty young, said, 'Someday you're going to be my preacher boy.' He remembered that.
St. Peter's Episcopal Church Pulled Pork Dinner
Kathy Kniep, St. Peter's Episcopal Church, Hebron and Hebron
August 4, 2014
St. Peter's Episcopal Church, 30 Church St. (Rt. 85), Hebron, will be holding its monthly community dinner on Saturday, Aug. 16, from 4:30-6:30 p.m. or until we're sold out. The menu will include pulled pork on a sliced roll, corn on the cob, baked beans, coleslaw and our 'famous' dessert table. The cost is $12 for adults, and $6 for children. Take-outs will be available. For details, contact the church at 860-228-3244 or visit our website at http://www.StPetersHebron.com .
Haddam Neck Congregational Church To Host A Talent Show
Haddam Neck Congregational Church, Haddam Neck Congregational Church and East Hampton
August 4, 2014
Calling all Talents! The Haddam Neck Congregational Church will hold a Talent Show on Sunday, Aug. 17 at 6 p.m. in the church sanctuary, 408 Quarry Hill Road, Haddam Neck. Singers, musicians, poets and performers of all types are welcome to participate in the event. Prizes will be awarded and refreshments follow in the church parish house building. For information or to sign up, call Franky Dallas, at 860-267-4513 or visit http://www.haddamneckcongregationalchurch.org .
New Britain Church To Launch Series Of Arts Weekends
March 22, 2013
The First Lutheran Church's Our new worship and arts committee is hosting a series of "Arts Weekends" that will promote the work of local artists and raise money for charitable mission work. The series begins April 26 to 28 with an art show and sale featuring work by seven local artists. There will be a Friday evening opening gala with sangria and hors d'oeuvres at the church, which is at 77 Franklin Square. The arts weekend is free and parking is available at the church. As part of its work in the city, First Lutheran offers a free Wednesday night community pasta supper.
Avon Congregational Church First Friday Dinner To Feature Swedish Feast
By JULIE STAGIS, email@example.com and The Hartford Courant
January 19, 2012
The first Avon Congregational Church First Friday Dinner of the year, on Feb. 3, will feature a Swedish feast. The dinner will include Swedish meatballs, mashed potatoes, peas, pickled beets, light rye rolls, a dessert buffet and coffee and tea. Dave Will will play accordion. Dinners cost $12 for adults and $6 for children 10 and under. Tickets can be purchased at the church office, Monday through Friday from 9 a.m. to 3 p.m., or at the door. Diners can eat in or take meals to go. The dinner will run from 5:30 to 7:30 p.m. at the church, 6 W. Main St. A portion of proceeds will benefit the Avon Fuel Bank.
Churches Were The Pillars Around Which State's Towns Were Built
By JESSE LEAVENWORTH, email@example.com
August 3, 2014
For many years after its founding in 1751, a whipping post stood next to the Abington Congregational Church in Pomfret. "It was never used; no one ever suffered," Abington's current pastor, the Rev. Bruce Hedman, said, "but it was there as a symbol that the power of the state and the power of the church went hand in glove. " Connecticut was founded and apportioned around Congregational churches, a tight twining of faith and local government that has faded in memory but remains in the hard boundaries of many of the state's 169 municipalities.
Local church hosts Ice Cream Social on the Green
By Diane Church, ReminderNews and Reminder News
July 30, 2014
Few things are more refreshing on a warm summer day than ice cream. And on the afternoon of Saturday, July 26, ice cream drew dozens of residents to the Somersville Green for the Congregational Church of Somersville's Fourth Annual Ice Cream Social. The church holds the event, which is staffed by volunteers, in order to meet its neighbors. "It's a nice little break in the middle of summer," said Pastor Graham Van Keuren. "It's a good way to reach out to the community. " Van Keuren was pleased with the clear skies and warm temperatures this year.
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Ben Jacobs's height is
6ft 1in (1.85 m)
Ben Jacobs (born 17 May 1982) is an Australian rugby union footballer currently playing for London Wasps in the Aviva Premiership. Jacobs was a member of the inaugural ARC winning Central Coast Rays side in 2007. and for Kyuden Voltex in the Japanese Top League.
First Name: Ben
Last Name: Jacobs
Born: 17 May, 1982
Birthplace: Sydney, New South Wales, Australia
Height: 6ft 1in (1.85 m)
Weight: 216 lbs (98.0 kg)
Astrological Sign: Taurus
Nationality: Australian
Occupation: Rugby Union


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Provide an introductory overview of basic option concepts and terminology and offer a simple overview the broad terms used within the financial markets.
Fundamental students
18 Minutes
Joe Harwood from the OIC Help Desk reviews some basic options concepts and terminology. Without getting into complicated jargon and abstract concepts, he covers options' place in the financial markets, explains how they can be used in broad terms, and then slowly works into some of the first fundamental lessons.