text: I installed a D2Pro with wiiclip today along with the ribbon cable. Got a few questions about this. 1) My ribbon cable is plugged into the d2pro and routed to the outside of the case, but it's just dangling there. Is this setup alright or will something go wrong if I keep it like this? 2) All games work so far, except for SSBB. I put in the SSBB disk (works fine on my WiiKey Wii), and it prompted for the expected update which I accepted. The game loads fine at the beginning, and then goes to the screen where it tells me to strap on the wiimote. It then goes to a black screen that says "loading" with a small Smash Bros icon rotating. It then proceeds to a white screen and never changes. Occasionally when I insert the SSBB disk, it will spin for about 3 seconds and then stop. The wii then tells me the disk cannot be read and/or tells me to turn off the wii after ejecting. What's the problem with the game? I tried SMG, and it works fine. 3) I booted up the d2pro utility disk v1.6 (provided by d2pro site) and did the update. There is no noticable dofference in performace. What else do I need to do to get the most up to date d2pro? I do not have a d2prog; do I absolutely need one now?


text:
Develop the capacity to navigate cross-cultural challenges.
About Global Adaptivity™
Competence leading in a global context is a must-have in today's business environment. Leaders are challenged with a host of unique problems and cross-cultural issues in a climate that is more volatile, uncertain, and complex than ever before. Global Adaptivity™ is a suite of offerings designed to assess and develop the capabilities needed to work effectively across borders, span different cultures, economies, politics, and geographies, think systemically across multiple networks, deal with rapid change and layers of complexity, and speak the language of global business.
Cambria's Approach
Cambria's Global Adaptivity suite includes two flagship workshops: The Globally Adaptive Leader™ workshop is ideal for organizations preparing leaders for global roles and supporting them through the transition, as well as for building broad-based leader effectiveness in cross-cultural situations. Additionally, The Globally Adaptive Team™workshop is designed for intact global and multi-cultural teams, to build cohesion as they form or to enhance the effectiveness of established teams. It is also available as a highly- engaging 3½-hour facilitated session for up to 20 participants.
Our Results
Participants in each program gain valuable insight into themselves and receive guidance around actions to take to be more effective in interacting with others in a global environment. They will be able to increase their ability to influence and lead across cultures; adapt their leadership styles to become more versatile as leaders; deepen their perspectives on their own cultures in the context of understanding other cultures; develop the skills to expand their global networks; and create a personal roadmap to apply what they learn to their own lives.

subset: commoncrawl


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The relationship between certain peer-to-peer or marketplace lending platforms and the banks who actually make the loans to consumers leads to the often-debated question of "Who is the true lender?" Recent court decisions have made it more difficult to answer that question because courts have come to two different conclusions: One court supported the bank as the true lender, and another court found that the servicing partner was the true lender, not the bank. The consequences of these decisions for non-banks involved in these relationships are significant. If a bank is deemed not to be the true lender, then the third party risks losing the exportation advantage that the bank has and could be subject to substantial penalties and fines for violating a state's usury laws.
Sawyer v. Bill Me Later, Inc.
On May 23, 2014, the U.S. District Court for the District of Utah dismissed a consumer class action against an online payment processer for alleged violations of California laws, including the Consumers Legal Remedies Act, the Business and Professions Code, and various usury provisions in the California Constitution. In Sawyer v. Bill Me Later, Inc., No. 2:11-cv-00988, 2014 U.S. Dist. LEXIS 71261 (D. Utah May 23, 2014), the plaintiff, a California consumer, purchased a computer online using Bill Me Later to finance the purchase price. Bill Me Later provided a real-time credit decision to determine whether the consumer qualified for financing.
In the Bill Me Later case, the plaintiff signed a contract with CIT Bank, a Federal Deposit Insurance Corporation (FDIC)–insured industrial bank located in Utah, acknowledging that CIT Bank was the lender and owner of the plaintiff's account. WebBank, also an FDIC-insured bank chartered in Utah, subsequently acquired CIT Bank's rights to the plaintiff's account. The contract required the plaintiff to pay the entire loaned amount within 30 days or pay a 19.99 percent interest rate in connection with the remaining balance, together with any applicable late fees.
The plaintiff alleged that Bill Me Later structured its partnership with the bank to take advantage of the bank's ability to lend at higher rates, without regard to the usury laws in a consumer's home state. Under section 27 of the Federal Deposit Insurance Act, 12 U.S.C. § 1831(d) (2014), a bank that has a state charter and is federally insured may impose finance charges and late fees in accordance with usury laws in the state where the bank is located. See12 U.S.C. § 1831(d) (2014). However, if the third-party service provider or non-bank entity is deemed to be the "true lender," the usury law in the consumer's state may apply, depending on whether the choice of law provision of the contract is enforceable.
In Bill Me Later, the district court found the FDIC-insured bank, not Bill Me Later, was the "true lender." Thus, section 27 preempted the plaintiff's state law usury claims. In so holding, the court noted that the plaintiff failed to sufficiently allege facts that would indicate that Bill Me Later acted as the true lender. Specifically, the court pointed to the following facts as determinative in its analysis:
- The bank was a party to the consumer loan agreements.
- The bank funded the consumer loans and owned the credit accounts.
- The bank held the credit receivables for two days.
- The bank owned the consumer accounts and profited from the financial gain based on interest collected on the consumer loans.
Importantly, the court noted that, regardless of the true lender analysis, the plaintiff's claims would have been preempted by section 27. The court reasoned that, under section 1876(c) of the Bank Service Company Act, 12 U.S.C. 1867(c) (2014), loans serviced by third parties, such as Bill Me Later, are subject to federal regulation and oversight to the same extent as if they were directly serviced by an FDIC-insured bank. Therefore, these loans are included in the definition of "any loan" under section 27 and are expressly preempted under federal law.
CashCall, Inc. v. Morrisey
In stark contrast to the Bill Me Later case, on May 30, 2014, the Supreme Court of Appeals of West Virginia's decision in CashCall, Inc. v. Morrisey, No. 12-1274, 2013 W. Va. LEXIS 587 (W. Va. May 30, 2014), held that section 27 did not preempt claims against the defendant for violations of the West Virginia Consumer Credit Protection Act (WVCCPA). In CashCall, Patrick Morrisey, the Attorney General of West Virginia (Attorney General), alleged that CashCall, a California-based consumer finance institution, violated various provisions of the WVCCPA because its partner bank was not the true lender.
The alleged violations related to agreements between CashCall and First Bank and Trust of Millbank, South Dakota (FB&T), an FDIC-insured, South Dakota–chartered bank. CashCall agreed to purchase small, high-interest loans, with annual percentage rates between 59 percent and 96 percent, made by FB&T to consumers three days after the loans' origination dates. The Attorney General alleged that the relationship between CashCall and FB&T allowed CashCall to evade West Virginia's usury and consumer protection laws. CashCall removed the case to federal court, arguing that section 27 preempted the state law claims. However, the district court remanded the case to the state trial court because the Attorney General's claims did not implicate section 27.
In characterizing CashCall as the true lender, the Supreme Court of Appeals of West Virginia emphasized the need to view the substance, rather than the form, of the loan transactions. Further, the court affirmed the trial court's use of the "predominant economic interest" test to determine which party should be deemed to be the true lender. The predominant economic interest test discerns which party—the bank or the non-bank entity—has the prevailing economic interest in the consumer loan transaction in order to determine which is the true lender.
Unlike in Bill Me Later, the West Virginia court found CashCall to be the true lender for the following reasons:
- CashCall bore the economic burden and risk associated with the loan program.
- CashCall acquired the loans from FB&T for more than the amount financed by FB&T.
- CashCall had its owner and only stockholder personally guarantee all financial obligations to FB&T.
- CashCall agreed to indemnify FB&T for any losses, including claims asserted by borrowers.
- CashCall agreed only to purchase loans originating from FB&T if they complied with CashCall's underwriting policies.
- For financial reporting purposes, CashCall treated the loans as if CashCall had funded them.
Because the court characterized CashCall as the true lender, section 27 did not preempt the state law claims for violations of the WVCCPA.
Pepper Points
- Following the opinions in Bill Me Later and CashCall, the law relating to true lenders remains unsettled as to when section 27 expressly preempts state law usury claims. The bright-line test adopted by the Bill Me Later court follows the U.S. Court of Appeals for the Eighth Circuit's decision in Krispin v. May Department Stores Co., 218 F.3d 919 (8th Cir. 2000). It does not delve into the economic substance of the relationship, which is a slippery slope for those non-bank lenders attempting to structure relationships that can survive this type of challenge.
- The predominant economic interest test should be of particular concern to banks that securitize their assets or sell mortgage loans in table-funded transactions because, in those cases, the bank typically does not retain any interest in the loans being sold at or shortly after consummation. As the court made clear in Krispin, what happens after the loan is made should not be the concern of the court so long as the bank is the lender when the loan is consummated.
- The recent decision by the FDIC and the Office of the Comptroller of the Currency that requires a 5 percent retention for loans sold may suggest a "safe harbor" for banks to maintain their true lender status.
Ashleigh K. Reibach


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TCU Florist delivers flowers to Burleson, Texas every day. We also deliver
to all Burleson hospitals, churches
and funeral homes.
Families are choosing Burleson for the strong sense of community, proximity
to the Metroplex, excellent schools, and low crime rate. Major companies
are taking notice of Burleson's pro-business climate, available labor
force, and easy access to major interstates, railways and airports. Large
retailers are targeting Burleson as a shopping destination for 500,000
people in Johnson and southwest Tarrant counties. Smart commuters are
discovering that Burleson is just 12 short miles from downtown Fort Worth.
City of Burleson
Texas Wikipedia
Active Life in Burleson
The town of Burleson was founded in 1881. According to "Burleson
- The First Hundred Years," the land for the town was purchased by
Mr. G. M. Dodge from Reverend H. C. Renfro. An early abstract records
Mr. Dodge as being from Pottowattamie County, Iowa. The town was named
for Dr. Rufus C. Burleson, President of Baylor University at Waco.
As your local florist for Burleson, Texas, TCU Florist commits to offering
the best in flower arrangements and design, as well as knowledgeable customer
service. We have been voted "Best in Reader's Choice" in the
Fort Worth Star Telegram.
TCU Florist has been serving the Burleson area since 1946 with an outstanding
variety of floral products. We are a full service florist located in the
TCU area of Fort Worth. TCU Florist is known for a large variety of fresh
flowers and creative floral artists. Flowers express many emotions. What
better way to convey a message than natures own product of flowers or
plants. Trust our floral artists to create something special for your
loved on today. We appreciate your business!
Spine Center
220 NE Wilshire Blvd
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Huguley Memorial Medical Cente
11801 South Fwy
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Calvary Southwest Metro
130 E Renfro St
Burleson, TX 76028-4258
Calvary Baptist Church
116 N Clark St
Burleson, TX 76028-4206
Lighthouse Church
301 S Dobson St
Burleson, TX 76028-4811
First Baptist Church-Burleson
317 W Ellison St
Burleson, TX 76028-4727
Revival Time United Pentecostal Church
220 N Dobson St
Burleson, TX 76028-4216
Victory Family Church
129 NW Ellison St
Burleson, TX 76028-4767
Boulevard Baptist Church
315 N Burleson Blvd
Burleson, TX 76028-3907
St Matthew Cumberland Presbyterian
250 NW Tarrant Ave
Burleson, TX 76028-3865
Burleson Church of Nazarene
127 SW Thomas St
Burleson, TX 76028-3817
Reorganized Church-Jesus Chrst
380 SW Johnson Ave
Burleson, TX 76028-5352
Laurel Land Funeral Home
201 W Bufford St
Burleson, TX 76028-4717
Lucas & Blessing Chapel
518 SW Johnson Ave
Burleson, TX 76028-5313
Mayfield Kiser Funeral Home
12301 South Fwy
Burleson, TX 76028-7031
Florist Burleson TX
Burleson TX Florist
Flower Delivery in Burleson TX
Local Florist Burleson Texas


text:
- I walk into an Upstate New York post office in my lovely Indonesian calf-length kaftan. I spot an American friend. Her eyes flicker my way, and without a word, she bolts. Later I ask her why on the phone, and she tells me she didn't want to embarrass me by letting on that she caught me sneaking out in my nightie.
- I walk into a supermarket in Guyana in my North American style frayed cut-off jeans, and the security guard strides towards me purposefully, ready to show me the door. He thinks I'm a vagrant.
- I'm sailing through an European airport, my designer lambswool cape billowing behind me, spike heels, showgirl hairstyle, two English colleagues with bags in tow, and onlookers stop them to ask, "Who is she? Which film star?"
- In Hong Kong, I'm riding up an hospital elevator in a raw silk Chinese top, my hair swept upwards in an Oriental 'do, and I'm chatting with a friend in Mandarin. She gets off, and then I notice the Egyptian man in the corner of the elevator giving me furtive glances. Eventually he plucks up the courage to ask, "Are you Chinese?"
Am I simply being judged by the garments I wear, or is there a chameleon in me that allows me to convincingly play the role my clothes dictate?


text:
Combatives/Master Cycle Lesson Calendars
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Black Belt Todd Tanaka Seminar
Gracie Game Day #5 - 12/12/15
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text:
How to make a simple bow
When I was a young boy, my brothers and I used to make a bow out of a hardwood stick and a piece of string. This was always a fun project. Sometimes I like just messing around and decide to make a bow out of a stick harvested from the woods behind my house. You know, not every bow has to be what I call a "glam" bow…a glamorous, fiberglass laminated bow. Primitive bows made from natural materials have a beauty all of their own. Plus, they are cheap and easy to make. If you have always wanted to learn how to make a bow, but don't have a woodworking shop, or expensive shop tools, you might consider learning how to make wood bows first. Continue reading


text:
JERUSALEM (AFP) – Prime Minister Benjamin Netanyahu said on Wednesday that Israel would upgrade its ties with the 28-member NATO military alliance by opening a permanent mission to its Brussels headquarters.
"I declare that Israel will accept the invitation and open an office, in the near future," Netanyahu said at the start of a cabinet meeting.
"The countries of the world want to cooperate with us because of our determined fight against terror, our technicological know-how, our intelligence network and other things," his office quoted him as saying.
The Israeli foreign ministry said in a statement late Tuesday that NATO had invited the Jewish state to "open an office at NATO headquarters in Brussels and complete the process of accrediting its representatives to NATO."
An Israeli expert told AFP that the invitation was a result of pressure by other NATO members on Turkey, which joined in 1952, to drop its veto on closer alliance ties with its former ally.
"It's a Turkish confidence-building measure vis-a-vis Israel," said Tommy Steiner, an expert on NATO-Israel ties at the Institute for Policy and Strategy near Tel Aviv.
"Since the introduction of the new (NATO) partnership policy in 2014 Israel was formally invited," he said. "But Israel never did that because there was a Turkish veto on such a measure."
Turkey was a key regional ally of Israel until the two cut ties in 2010 over the deadly storming by Israeli commandos of a Turkish aid ship bound for Gaza, which left 10 Turkish activists dead.
After years of bitter accusations and rhetoric the two sides held secret talks in December on a rapprochement, with another round taking place in February in Geneva.
Steiner said that the geographically and politically diverse NATO alliance would not invite Israel into a full-fledged mutual-defence pact.
"Israel is not going to be a full member, it's not on the cards," he said. "Israel will be officially accredited to NATO, it will have a permanent mission at NATO headquarters as a partner."
Israel already participates in military exercises with NATO members other than Turkey, notably the United States.


text:
Frequently Asked Questions
Do we need an instrument at home?
For all keyboard courses you will need at least a 61note keyboard with full size keys, or a piano. These can be purchased cheaply in BigW or Target or a music supplier will have more up market models.
For all other instruments, the student must own an instrument that they need to bring to lessons each week and for practice purposes at home. The teacher will be able to advise on the correct size of instrument required for guitar and string students. All other instruments only come in one size so the child must be big enough, usually 8 years old, to be able to manage the instrument.
How much does my child need to practice?
It is important to understand that a parent or caregiver is involved in the practice. 4-7 year olds need lots of support and encouragement. Young children are not able to practice effectively on their own. Read more on our Blog 6 Ways to make Practice 'Perfect' not Painful
The first thing in the morning seems to be a good time for most but if another time works better, great. The important thing is to try to make it the same time each day, so that you can establish a routine. It is good to link a practice schedule in with homework. Make sure you mark down the practices for a reward from the teacher.
Younger children only require a small amount of time each day, usually 5 to 10 minutes. When students start practicing for AMEB exams it is important for the practice routine to be consistent and the amount of time needed will increase with the increase in the level of skill required. Consult your teacher for their advice on the amount of time needed for your child's grade level.
How much are lessons?
The price of lessons depends on the appropriate course.
|40 mins
|45 mins
|Keyboard class
|45 mins
|Shared Private
|30 mins
|30 mins
|Vocal Private
|30 mins
What are the payment terms?
Fees are payable on the 3rd week of every school term for the term upfront.
Fees are paid 2 weeks in advance into the following term to confirm enrolment ongoing.
At the beginning of the year, families can pay for the year upfront and receive a 7.5% discount.
If a term in advance is difficult, you can opt to pay for a month at a time on request with a 2% monthly fee added to the payment.
Cancellation of lessons must be made in writing 2 weeks in advance.
Do I just enrol for a term at a time?
All of our music courses cover at least 6 months, therefore enrolment is ongoing until you notify us in writing with 2 weeks notice.
Benefits of music lessons are more obvious over an extended period of time, especially for small children. Consistent practice and attendance at weekly lessons will produce the best results.
When are fees due?
Term fees are due on week 3 of the school term.
Monthly payments are due on the 1st day of the month.
How old must my child be to start music?
We begin teaching music to children as young as 12 months.
Our Jigglemusic classes are for children aged 12 months to 3 years. Kinderbeat classes are designed for preschoolers aged 3 to 5 years and our Keyboard classes are for school aged children aged 5 to 11 years.
Private lessons ideally begin at 8 years of age, but sometimes we teach younger children in a private lesson. This is especially for violin and other string instruments which can be sourced in instruments as small as 1/16th of a full size instrument.
Can we trial a class to see if we like it?
Jigglemusic, Kinderbeat and Keyboard class students are eligible for a Free trial lesson in a group setting.
If the student is beginning in a private lesson, the first lesson is only $16 as a half price trial lesson.
How many students are in a class?
Our Jigglemusic classes are capped at 8 students per class.
Kinderbeat and Keyboard classes are limited to 6 or 7 students in a class.
Shared private lessons are for 2 students and private lessons are a 1 on 1 lesson with the teacher.
Is the parent allowed in the class?
Parents are necessary as a learning partner in Jigglemusic, Kinderbeat and younger Junior keyboard classes. This parent presence not only assists the teacher but also provides the student with extra assistance and the parent with the knowledge of the skills that the child is supposed to be practicing later at home.
Jigglemusic and Kinderbeat classes require the parent to be very involved in the class as smaller children require alot of help and modelling examples.
Parents are allowed to sit in with students in private lessons but this isn't necessary and sometimes is counterproductive depending on the parent /child relationship. All teachers have been certified by NSW Working with Children Check.
What happens if the child has younger siblings that must attend?
Younger siblings are welcome to attend our classes. In most cases they will be included in the fun in Jigglemusic if they are old enough to participate.
Kinderbeat and Keyboard classes require more concentration and structure so there are limited opportunities for younger siblings to join in and they must be restrained when skills are being learnt at the keyboards.
If younger siblings become disruptive and distracting, they should be removed from the room until control can be regained.
What happens if we miss a lesson?
If you need to miss a lesson due to illness or an important committment, at least 1 hours notice must be given.
If notice is given and there is another class at the same level on another day, a make up lesson can be arranged in that class.
In the case of private lessons, if notice is given, make up lessons usually can be organised at another time that the teacher is teaching, alternatively, make up lessons during the holidays may be possible. Keep in mind that most teachers only work on 1 or 2 afternoons a week.
There are no refunds given for missed lessons.
What happens when the teacher cancels?
If a teacher needs to cancel a lesson due to illness or a previous committment, firstly we try and find a replacement teacher for the lesson. If that is not possible, we can try and reschedule the lesson or we will give you a credit for the lesson off your fees.
Why do we use solfege when teaching young children?
Solfege is used world wide – it is a universal music language
Solfege are the notes that we sing, CDE are the notes that we play.
It is much easier to teach young children to sing the notes first as their reading skill is still developing and we find that the ability to read music develops in line with their ability to read words.


text: Live Tags is a standalone installation of an interactive hashtag game kiosk using hands-on media controllers. The use of hashtags in the game creates a communal and dynamic gaming platform, as it can be modified in regards to content, place, product, or event. Companies have the opportunity to promote their products using this engaging hashtag game where users can better understand the promoted products.


text:
If you live in Manhattan or the Bay Area, you already know that you're likely paying through the nose for your apartment. But if you live anywhere else in the U.S. and you don't have national publications bemoaning the state of your city's rental market, it can be harder to know if you're paying a decent amount for your accommodations or not.
But whether your rent is high or low, you might be wondering: how much should I spend on rent? What's a reasonable sum—and what's excessive?
And then, of course, there's the whole "home buying" thing. You might be curious at what point it makes sense to stop paying a landlord and start paying a mortgage instead.
Here's how to decide these questions for yourself.
What the Experts Say About Rent
First, let's turn to the financial experts for answers.
Bestselling author Dave Ramsey recommends a monthly payment of 25% or less of your take-home pay. This doesn't include any extras that might add to the monthly cost.
Popular TV host and author Jean Chatzky advises that your housing costs be no more than 35% of your take-home pay. Her calculation includes not just rent, but associated expenses as well, such as renter's insurance, utilities, and any repairs you're responsible for covering.
It seems fair to state that anywhere between 25%–35% of your take-home pay is a reasonable amount to spend on rent and other housing-related costs.
But perhaps more importantly: why this much? It's because you'll still need enough breathing room in the rest of your budget for other expenses.
According to Chatzky, for example, 15% of your take-home pay should go towards debt payoff (which sounds eerily similar to the amount you're probably paying on your student loans). Another 15% will go towards transportation, 10% should go into savings, and you'll need flexibility with the remaining 25% to cover everything else.
Keeping your housing costs to 35 percent (or less) of your budget will give you that flexibility and breathing room.
Where your personal comfort zone falls within that range depends on your overall financial goals and priorities. If you're trying to pay down debt, for instance, you'll want to stick closer to 25% (or less) so you can throw as much money as possible towards your repayment goals.
To do this, you'll want to use a few tricks to minimize your rent.
How to Keep Rent Down
Whether you live in a city with notoriously high rent or you're simply looking to slim down your budget, there are several ways to reduce the cost of your rent without having to move to a whole new city.
Of course living with roommates can go a long way towards alleviating rental costs. You'll have your own private room but share common rooms like the living room and kitchen—and you'll also share the cost of the monthly rent bill and utilities.
If you prefer to live alone, you can consider moving into a studio rather than a one- or two-bedroom house. Studios often come cheaper than options with bedrooms since they may have less space or a less-desirable layout for some.
Another solution is to find housing a little further away from the "hottest" neighborhoods. For instance, you could live in Queens instead of Manhattan, or in the outer suburbs of Atlanta instead of Midtown. You may have to spend extra time (and gas money) commuting each day, but those costs could be worthwhile when compared with the money you save in rent.
When Does It Make Sense to Buy Instead of Renting?
If you're a renter, you've likely had plenty of people telling you that renting is like "pouring money down the drain" or "putting money in someone else's pocket." But buying a home isn't necessarily the best solution for dealing with the high cost of renting.
There are plenty of other issues to consider when it comes to home ownership beyond the money aspect; you also have to factor in your current life situation and short- and long-term goals.
If you plan on staying in a particular area for at least 5 years, your income is stable, and you're ready for all the responsibility that comes with home ownership, then buying a home may be right for you.
If you're comfortable with the commitment of a mortgage—and/or you're willing to rent out or sell your home if you move away—you might want to start looking at home-buying options.
You may be wondering: why the 5-year rule-of-thumb? When you buy a house, you'll pay a variety of closing costs, including appraisal fees, loan origination fees, title insurance and more.
In addition, the mortgage payments that you'll make for the first five years will predominantly be applied towards interest rather than principal. This means it will take roughly 5 years for you to "break even" with the closing costs and interest and start gaining any considerable equity in your house. For a more in-depth look at this issue, though, refer to the calculator below.
If, on the other hand, you think you might like to move in the next few years, your job is uncertain or you simply don't want the responsibility of repairing the water heater and cleaning the gutters, you may find that the extra convenience and flexibility that renting allows you is worth the extra cost.
That being said, of course, to rent vs. to buy is a massively complex question. From a financial perspective, here are a few of the factors you'll need to consider:
Total cost of homeownership
As a homeowner, you'll have more expenses than just a mortgage (plus closing costs). You'll also pay for the cost of repairs, maintenance, lawn care, and other home-related expenses.
For example, if replacing your roof costs $20,000 and needs to happen every 20 years, think of it as paying $83 per month for your roof. If replacing your windows costs $15,000 and must happen every 18 years, it's like you're $70 per month for the windows.
You'll need to calculate the costs of long-term home maintenance based on the age and condition of the property and the amount of time you plan to own it. (Alternately, if you buy a house in an HOA-governed area, you'll need to factor in the associated HOA costs).
In addition, the property tax rate in your locality can add several hundred dollars each month to your costs, as does the culture of your area with regard to whether or not landlords typically cover utility costs. (All homeowners must pay for their own utilities; renters may or may not have to cover these bills.)
Total cost of renting
That being said, renting bears its own costs, including the expenses associated with moving more frequently, the cost of security deposit losses, and the higher utilities costs that might stem from energy-inefficient dwellings.
Bear in mind, also, that rent typically rises with inflation, while fixed-rate mortgages stay the same. In other words, you'll pay a $1,000 per month mortgage payment with increasingly cheaper dollars over time, while your $1,000 rent payment will continually rise. In addition, you don't receive the tax benefits that homeowners enjoy (mortgage interest is deductible).
Opportunity cost
Finally, consider the opportunity costs associated with tying your down payment into your home equity. If you put $20,000 down on a house, for example, what opportunity costs do you suffer from alternate uses of those funds, such as using that same amount of money to pay off your student loans or investing the money in the stock market? (Bear in mind that there are tradeoffs associated with using home equity to repay loans.)
As you can see, there are substantial variables to consider in deciding whether to buy or rent. To get a better idea of which option is best suited for you, here's a rent vs. buy calculator that factors in variables many variables you should consider, such as:
- length of time you'll live in the property
- your mortgage rate
- down payment
- mortgage length
- home price appreciation
- projected rent increases
- inflation rate
- growth of alternate investments
- your personal tax rate
- property taxes in your area
- maintenance and fees
- additional renting costs like rental broker fees (if applicable)
At the end of the day, though, much of this equation is conjecture. You don't know how much your home will appreciate in value, how much rental costs will rise, or what your alternate investment gains might be. At a certain point, you'll need to make the decision based on quality-of-life considerations.
As with many things in life, your decision of how much you should spend on rent and whether to buy or not comes down to your priorities.
Did you switch from renting to buying? How did you decide?
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text:
HI folks,
this is to inform you, that Slackware-live , which lets you run linux directly from the cdrom ,without the need of a hard disk , is now available at pluc.
I (Faraz.Fazil) downloaded and burned this distro to a cd and provided a free copy to pluc.
You can now get it from the PLUC, karachi.
Here is a description of Slackware-Live:
(Description as on slackware-live.org):
Slackware-Live CD is a bootable CD containing Linux operating system. It runs Linux directly from CDROM without installing. The live CD described here is based on Slackware GNU Linux distribution and is downloadable from this website as an ISO. There are also available all scripts and source codes, which can be used to build your own live CD.
Imagine the ability to boot your favorite Linux wherever you want - at home, at school or at your work. Imagine yourself walking on the street and carrying the only one thing needed for your life - the 8cm compact disk with your Linux Live CD. Do you wanna try such a feeling?
When your computer boots from Live CD, at first Linux kernel image (vmlinuz) is loaded. Then, virtual disk (ramdisk) is created in computer's RAM. Rootdisk image (initrd.gz) is unpacked into it and then mounted as a root filesystem. Large directories (like /usr, /opt, ...) are mounted directly from the CDROM (read only).
I have tried slackware-live personally, and found it to be quite good.UNlike other live cds' it runs quite fast and is quite stable compared to others like demo linux or knoppix , and does have some good packages too like mplayer movie player, noatun audio player, kppp internet dialer, kword etc which u can run directly from the cdrom as well.It has kde 3.1.2 as the desktop.It also has midnight commander (MC), icewm and other packages as well.
KNoppix is quite good too.
So do get hold of slackware-live and try it out!
Slackware-Live Cd Latest version now available at PLUC
General discussion about PLUC and Linux in Pakistan.
2 posts • Page 1 of 1
- Major General
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Slackware-Live Cd Latest version now available at PLUC
Linux for Life!
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text:
Leonardo DiCaprio Interview
Leonardo DiCaprio On Playing A Repressed Gay Man
Quick BioLeonardo DiCaprio has a problem most men would kill to have.
The superstar leading man who started out as a child star has kept his boyish, matinee-idol good looks into his late 30s. While other actors would be happy to ride a pair of dimples like that through a steady flow of derivative, predictable roles and movies, DiCaprio constantly looks for new challenges. He unfailingly lands serious roles that not only ask him to stretch his talents, but require him to bury his famous face and persona.
In his latest film, director Clint Eastwood's J. Edgar, DiCaprio plays the title role, creating a complicated portrait of the man who created and built the FBI at the cost of any recognizable personal life or emotional fulfillment.
During a recent media event, DiCaprio took a few moments to explain why he chose to play J. Edgar Hoover, a character who is remarkably alienated from himself. Along the way, DiCaprio shared a little bit about his own life and how his choice of roles reflect who he chooses to be.
If you could sum up your experience of studying and recreating the man who was J. Edgar Hoover, how would you describe it?
Leonardo DiCaprio: He was a difficult man to play because he was a difficult man to know very well. He was a man who devoted his entire life to public service. He made the FBI his church. But, as a result, he's also a man who never experienced love in his lifetime, at least not openly. That's so different from my own life experience -- to not know love in any way.
How did you prepare and get to know a man who is so unlike you?
LD: I had a chance to visit Washington and study him -- what's known about him, written about him. I got a college-level course on Hoover. It was fascinating to play a man who was so personally conflicted and philosophically conflicted. He loved freedom so much and devoted his life to fighting communism because he believed it was a threat to that freedom. But he also fought the civil rights movement.
But he's also portrayed here as a man who was personally conflicted as a closeted homosexual. How did you explore that aspect of his life?
LD: To play him as a repressed gay man, I had to explore what life was like in an era of sexual repression, that period in American life when any knowledge of the real man would have destroyed him.
When I look at that aspect of Hoover's life now in this modern era, I believe keeping those sorts of secrets would be impossible. In fact, many of the secrets he kept as the creator of the FBI would be impossible with the sort of information flow we all have access to now.
When I look at that aspect of Hoover's life now in this modern era, I believe keeping those sorts of secrets would be impossible. In fact, many of the secrets he kept as the creator of the FBI would be impossible with the sort of information flow we all have access to now.
You portray Hoover from his promising youth to his decrepit, worn-out old age. What was it like playing an old man in such detail? Did it give you any preview of what your own aging process might be like?
LD: I suppose playing an older man is a way of preparing myself for getting older. As part of my preparation and research, I had to develop a sense of how a man's ages -- how Hoover aged and how my own body will alter in years to come -- how it affects movement, posture and the voice.
With your work as an environmentalist, there's no question that your politics and Hoover's world view are very different. Was it difficult getting into the head of a man who didn't see the world as you do?
LD: I have no problem playing anyone who has different politics than me. In fact, I don't take that into consideration at all. You have to find something sympathetic in a man. It's that common ground you need to connect with someone.
Show comments


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text:
|1 page 1793 views
|Scorpion Power
|Scorpion Power
|05-22-2017 07:03 AM 15 months ago
|Post 1
Somerset, NJ USA
Hi All,While cruising eBay for Heli Finds, I came across an old Concept 30 SR-T in decent shape and picked her up with the intent to restore and fly for nostalgia purposes. Maybe kinda corny, but this is the same bird I learned to fly on 19 years ago.Are there any old Concept guys out there? It's been a long time since I was familiar with this machine. Any pro tips or lines on parts would be a help.As you can see, she still has 90's era guts in her. So my plan is rummage through my spare and old hardware to get her airborne again. Found an extra DSM2 receiver, GY401 and some decent Hitec Servos from an another bird no longer with us. I am hoping the OS .32 in her will come to life. Still moves freely and has good compression. I plan to tear it down and give it a good cleaning. The wood blades are shot, so I think I will throw some Align Carbon 520's on. -I believe this machine can utilize up to 525mm blades from what I read.I did notice there is a good amount of play in the main and tail rotor grips, but they are not of the usual thrust bearing and damper designs modern birds use. I noticed from photos of Concepts that the blades do have a "droop" at the grips which seems to indicate this play is by design. Any opinions?
|05-22-2017 01:37 PM 15 months ago
|Post 2
|05-22-2017 03:20 PM 15 months ago
|Post 3
| Four Stroker
rrElite Veteran
There were two versions of this heli. Don't remember the exact nomenclature. The "beginner" version had a solid shaft/blade axel in the head and very very soft dampers. The expert version has the floppy head. The floppy heads flew great but auto-ed very poorly.I think from memory the SRT was the beginner and the SRX the pro.They came with 520 blades.
|05-22-2017 03:25 PM 15 months ago
|Post 4
| Four Stroker
rrElite Veteran
Note that the SRT does not have an autorotation clutch !
|05-22-2017 03:58 PM 15 months ago
|Post 5
Somerset, NJ USA
@ Four Stroker I did notice there was no auto-rotation one-way bearing. I remember the one I had back in the day was the same setup. -Thankfully, I never had an engine out while I flew her. Think I may look around for an SR-X one-way bearing/gear setup and swap if I can find.As far has the head goes, it's definitely the floppy setup. as tonyd mentioned above, the setup does not use a one-piece feather shaft. Rather, it is a two-piece bushed setup.
|05-22-2017 05:57 PM 15 months ago
|Post 6
| Four Stroker
rrElite Veteran
Somebody "upgraded" the head while getting the aluminum start cone! While you take it apart look at what clutch it has. There were many updates. The last clutch has a molded in brass liner that you glued the usual gasket material to plus two ball bearings. The SS clutch is self adjusting and worked quite well. It has just enough spring to work. My Kyosho's had upgrade thin wall SS torque tubes that worked fine as well. Taya attempted to make a tiny helicopter that was as stable as a 60 FAI ship. Did a good job. But don't expect to do any 3D with it.
|05-22-2017 06:01 PM 15 months ago
|Post 7
| Four Stroker
rrElite Veteran
I have a set of all metal paddles that came on the SRT. You have the upgrade paddles as well. The SRT was designed to sit in a hover and barely move while the beginner slammed the sticks all around.
|07-03-2017 11:11 PM 13 months ago
|Post 8
Somerset, NJ USA
She flew just as I remembered when I first started out. Certainly nothing like my bigger 3D birds, but oddly satisfying to fly what I learned on once more.Still have to mess with the throttle and pitch curves a bit to get her completely right. It's been a long time since flying a 30 sized machine machine without a gov, but I think the little .32 just may have enough in it for some basic loops and rolls once I get everything dialed in.
|07-03-2017 11:23 PM 13 months ago
|Post 9
| BeltFedBrowning
rrKey Veteran
Kansas City
I know the feeling. I bet you are having more fun than you could have possibly had with a new heli kit.
|07-04-2017 12:59 AM 13 months ago
|Post 10
| PaulBowen
rrKey Veteran
Victoria, Australia.
Awesome helicopter project, Concepts are cool!The older helicopters are lots of fun. I owned a Concept 46VR once upon a time. It was a lot of fun.I now have a mint JR Ergo 30 and have a ball with it as it is the same as the one I learned to fly with. And if anyone says you can't have fun with an OS32, they're just wrong.
Futaba T18SZ, JR Propo XG14, Hirobo fanatic!
|07-04-2017 02:16 AM 13 months ago
|Post 11
|banshee rider
Phoenix AZ.
Four Stroker
Note that the SRT does not have an autorotation clutch !
|07-04-2017 04:54 AM 13 months ago
|Post 12
| jschenck
La Vista, NE.
I might suggest changing the rear bearing on that engine before starting it - should be a nice project. Hope you'll post a video of it once you got it flying. My old school project still in a box is a GMP Cricket
|07-08-2017 02:09 AM 13 months ago
|Post 13
Somerset, NJ USA
@ PaulBowenI totally agree! I do love my bigger, modern 3-D birds, but I find it oddly satisfying flying this great little machine. -That's a beautiful Ergo you've got there!
|07-08-2017 02:23 AM 13 months ago
|Post 14
Somerset, NJ USA
@banshee rider:
|07-08-2017 04:24 AM 13 months ago
|Post 15
| PaulBowen
rrKey Veteran
Victoria, Australia.
Cool video!My OS32 just loves to run. What I never realised with my first Ergo in 1997 was that the 32 flies mainly on the low needle. Once I realised this the tuning became a lot easier.What I really love about flybar helicopters is that you know that it is you flying the helicopter more than what we are with a flybarless system.
Futaba T18SZ, JR Propo XG14, Hirobo fanatic!
|07-08-2017 10:49 AM 13 months ago
|Post 16
| Four Stroker
rrElite Veteran
Yeah, 3~4 sec pinch test. Enya #4 better on 30%.
|07-08-2017 12:48 PM 13 months ago
|Post 17
| PaulBowen
rrKey Veteran
Victoria, Australia.
I'm running Powermaster 20% heli in my models.I usually use OS 8 or Enya 3 plugs although I do have some Enya 4's, I'm just not sure when and if to use them. I originally had the Enya 4's for an OS 105HZ-R but couldn't detect any difference.
Futaba T18SZ, JR Propo XG14, Hirobo fanatic!
|07-10-2017 05:39 PM 13 months ago
|Post 18
Costa Rica, Central America
Great video!
|07-14-2017 08:52 PM 13 months ago
|Post 19
South Whitley, IN
I still have mine (inherited from my dad) and it needs dug out of the attic. One heck of a bird, I don't recommend doing flips because if memory is correct the flapping head will boom strike. Mine has an auto clutch, it was my Dad's personal flyer so he might have upgraded it at some point. FYI, I still have my original Cricket!!!!!!!!!! and some where a Schulter Mini Boy!AND I still fly my 1995 Hirobo Sceadu (all the upgrades), did upgrade the motor a few years back with the powerhouse OS and matching pipe and it is now a pretty decent machine that I currently fly.
|1 page 1793 views
|Scorpion Power
|Scorpion Power
|Print TOPIC
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|13 Jun 2010
Windows 7 64-bit & MIDI
Hi guys!
I connected my Casio LK-215 via USB. Widndows won't find drivers automatically so i tried to get ones from Casio but they aren't for 64 bit Windows. So i downloaded some M-Audio drivers and installed them but in device manager it shows red exclamation mark and when it's connected and i try to play after a while it just freezes (piano).
Thank you
|My System Specs
|13 Jun 2010
Win 8 Release candidate 8400
Hi guys!
I connected my Casio LK-215 via USB. Widndows won't find drivers automatically so i tried to get ones from Casio but they aren't for 64 bit Windows. So i downloaded some M-Audio drivers and installed them but in device manager it shows red exclamation mark and when it's connected and i try to play after a while it just freezes (piano).
Thank you
To do that: right click the installer>properties>compatibility>vista
Let us knwo if you need helk with this
|My System Specs
|13 Jun 2010
Well on their site its compatible only with 32-bit system. Is there any alternative driver that will work maybe?
|My System Specs
|11 Jun 2011
Windows 7 Pro 64bit
Hey Guys!
I had the same problems with my Casio LK-215 and Windows 7 64bit.
Afer a long search i've found an alternative driver which really seems to work.
A few hours i've tested it in Magix Music Maker 17, without troubles.
here is the guide:
download the driver from:
PC-50 Driver Ver.1.0.0 for Win... ::
edit the hardware-id in the .inf file(just copy/past it from hardware manager)
normally i'm not that kind of guy who share such informations, but i think its
a shame for casio, not supporting 64bit.
i hope you're enjoing, have fun
yours woolf
|My System Specs
|Thread Tools
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CSA Holiday Wine & Cheese!
The CSA is hosting a end-of-the-semester Holiday Wine & Cheese. Just something to help us forget the mounds of studying and paper writing we have left to do! The Wine & Cheese will be on Wednesday, Dec. 7th at 5:30PM in the Arts Council Room (Arts160). This is a great opportunity to meet fellow classicists and … More CSA Holiday Wine & Cheese!


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Sunday afternoon's Food City 500 at Bristol Motor Speedway is race No. 8 of 36 of the NASCAR Sprint Cup Series season.
Here's everything you need to know the field takes the green flag at the "World's Fastest Half-Mile."
Green flag:
More from FoxSports
1:13 p.m. ET
11:30 a.m. ET: "NASCAR RaceDay" (FS1)
12:30 p.m. ET: Sprint Cup Series race (FOX)
5:30 p.m. ET: "NASCAR Victory Lane" (FS1)
Race distance: 500 laps, 266.5 miles
Track size: .533-mile concrete oval
Grid size: 40 cars
Forecast: Clouds early and clearing late, 60 degrees, 10 percent chance of rain
National anthem: Country music entertainer Clare Dunn
Grand Marshal: Rusty Wallace
Honorary Race Official: NFL legend Peyton Manning
Flyover: A-10s, 74th Fighter Squadron, Moody Air Force Base
Defending race winner: Matt Kenseth
Front row: Carl Edwards and Matt Kenseth
Starting lineup:


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Our Dubrovnik food tour takes you on a 3 hour journey visiting 3 small food/wine establishments, ranging from high-quality specialty shops to home-style restaurants, each one with its own delicacies for you to taste. Your knowledgeable guide will safely lead you through the labyrinth that is Dubrovnik, all the while sharing stories about life, food,wine and history.
You will enjoy all the cuisine and due to the small size of the group, you will also enjoy a more personal, relaxed experience. Our tour is in English with very limited size of the group to be able to be very personal!
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With the Tastecapade Referral Program, you can earn dollar points to use in any of your Tastecapades by simply inviting friends to join and book. Every friend who books a tour gets 5$ off on their booking, and you also get 5$ towards your Tastecapade dollars. If 5 friends you recommend book, you will have 25$ to use on your next booking (1 Tastecapade dollar= 1 USD). It's that easy!
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Spring Forward Race Results 1
Spring Forward Race Results 2
Check back next year for the Spring 2018 Race!
Spring into Summer 5K Run/Walk was a successful partnership among the Martin Luther King Community Center and Rock Island Library. Our three organizations are committed to summer enrichment and all proceeds from the race funds summer camps which together, will serve more than 500 children this year!
ENTER YOUR TEAM! (or school)
Gather up your friends and/or co-workers and enter next year's Spring Into Summer 5K race/walk sponsored by Ascentra Credit Union. Spring Forward Learning Center, Martin Luther King Community Center and Rock Island Public Library are partnering to organize the 5K run/walk and your participation will support our organizations' 2018 summer enrichment camps and summer reading programs.
The 5K course at Sunset Park in Rock Island is fast and flat with scenic views of Potter Lake and the Mississippi River. The race is chip-timed and all participants receive a dri-fit t-shirt. Our event also includes a 1/4-mile kids run for children 12 and under, and a post-race picnic with food, games, and family activities. It will be a fun filled morning. I hope you can join us!
Spring into Summer 5K
2018 Dates TBA
9:00 am
Race Day Information
- Please enter the park at the 31st Avenue entrance to Sunset Marina (Potter Lake).
- Kids Race starts at 9:00 a.m.
- 5K starts at 9:15 a.m.
- Starting line is next to the 5K headquarters (park pavilion)
- Finish line is on the bike trail, not far from the start.
- Please check the information on your bib number for accuracy.
- Please be sure to cross the mat at the start and finish.
- Be sure to secure your bib number to the front of your race apparel in a manner visible to race officials.
- Parking is available along Sunset Lane.
- Restrooms are available at the park.
- Strollers are permitted.
- Dogs on leashes are permitted.
- Awards will be given after the 5K.
In the event of cancellation due to inclement weather registration fees will be considered a tax refundable donation to Spring Forward Learning Center.
Spring Forward would like to thank all of the Spring into Summer 5K Sponsors!


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Hotel Near The Museum of Contemporary Art
There is something for everyone at the Virginia Museum of Contemporary Art. As a guest of Four Points Virginia Beach Oceanfront, enjoy easy access to the cultural hub of the city, located just six minutes away. This museum celebrates the uniqueness of modern art, through a variety of exhibits and programs designed to drive awareness and exploration of contemporary art of the twenty-first century. However decide to spend your day, you are sure to love your stay at our hotel near the Virginia Museum of Contemporary Art.
Immerse yourself in an artistic learning experience at the Virginia Museum of Contemporary Art, and then kick back and relax at our comfortable hotel. Rest assured we have everything you need to travel the way you like:
- Fast & free WiFi throughout the hotel
- Best Brews® local craft beer
- On-site restaurant & room service
- Free bottled water and coffee, in room
- 24/7 fitness center
Book your stay at Four Points Virginia Beach Oceanfront today.


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A young neighbor brings a milf to Eve Notte a liquid remedy for cockroaches, which the woman wants to drain before a lover's visit. But, having phoned her boyfriend, she finds out that he has screwed a bolt on the lady and found a young girlfriend to fry her in all the holes. If so, a young strong guest with a big dick is a good alternative and the woman cuddles with him with great enthusiasm with live cockroaches.
Date: November 18, 2017


text:
The term foreclosure gets thrown around a lot, but what does it really mean? And while the media is reporting the "foreclosure crisis" is over, the fact remains that foreclosures will always be a part of the real estate market. Paula Savard, broker-owner of Paula K. Aberman Associates in Lancaster, explains what foreclosures are and what Realtors should know about them.
About the Expert:
Paula K. Savard is CEO of Paula K. Aberman Associates in Lancaster, MA and has been practicing real estate , moving people and coordinating selling and buying on a daily basis for over 40 years. She is a Training Instructor in Professional Standards, Certified by the National Association for REALTORS. She was the 1997 Regional Vice president for the New England States and is a past president of the Massachusetts Association of Realtors. In 1999 and 2008 she served as the Liason between the Law and Policy committees and the Executive/Leadership Team for the National Association of REALTORS. In 2003, Paula was the Massachusetts REALTOR of the Year and in 2012 she was one of two REALTORS nationwide to be honored with the Distinguished Service Award by the National Association of REALTORS.


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Project Description
Beta 115T
4 cylinder, turbo-charged, diesel propulsion engine developing 115 bhp at 2,800 rpm with a swept volume of 3769 cc.
The Beta 115 is Not RCD 2 Compliant – It is for use by and on sale strictly to Non-Recreational Craft up to 24m in length.
Operators Maintenance Manual
Beta 115 ZF45
Special Feet
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Welcome to episode 036 with Jon Vroman
Here's what is on this week's Podcast…
Episode 036
This is a challenging and inspiring interview with author, speaker, and foundation founder, Jon Vroman. We discuss his life before starting a foundation, life on the road as a speaker, how he stays connected with his family. about his book and foundation, and just so much more.
You'll discover the following:
- How Jon stays connected on the road by his three key stages to traveling
- What Jon means by shaping your environment on the road to give you energy
- Jon's routine to sleep better on the road
- What snacks Jon puts in his travel snack backpack
- What Jon means by "let the kitchen be the menu not the menu be the menu"
- Advise for new Road Warriors
It's Go Time!!!
Jon's Bio – 2:30
Jon Vroman inspires others to Live Life In The Front Row™ by teaching the art of moment making. He is an award-winning speaker, #1 bestselling author of The Front Row Factor, podcast host and founder of Front Row Foundation, a charity creating front row experiences for individuals who brave life-threatening illnesses.
Question One – 3:11
Starts us off to what excites you right now?
Finding and living in Austin – the city gives us energy
Question Two – 4:31
What was like before you were on the road all of the time?
Ages 20-30 on the road as a corporate employee on the marketing side
Age 30 started Front Row Foundation and became a full time speaker in 2008
Question Three – 5:58
How do stay connected while you're on the road?
The Proximity Principle – there's something that changes when we're close to the ones we love
Depart Correctly – how I leave the house
Sitting down with the kids and look them in the eyes, let them know I love you, I need you to step up
Saying "I'm going to build our family's future" so they connect why I'm on the road and our family goals
The way we leave is so critical
Staying Connected Correctly – how I connect on the road
Connecting throughout the day
Returning Correctly – do you have any energy when you return
Too often we crush it on the road and come home exhausted
Often we need "buffer times" to allow us to catch our breath
Question Four – 11:02
What draws energy and drains energy for you on the road?
Close to quality nourishment / water / the event – finding a center to these three key areas is the sweet spot
Starving himself of people so when he's around people, he's hungry to interact with them
Key: managing all pieces of travel
Quote: Shape your environment on the road to give you energy
Question Five – 15:18
What hijacks your energy on the road quicker than anything else?
Middle rows on airplanes!
When you start to travel, you have to know yourself, whether it's silly or not.
Saving money on the road conversation with his wife – her response was "you're an athlete and this is your olympics so you need to take care of yourself"
Draining was getting in and out of the event quickly
Quote: I used to think having fun on the road was not fair to my family.
Question Six – 18:34
How do you sleep on the road?
I struggle mostly when I'm excited about something
I don't sleep on the plane but use that time to think, write, and meditating
I sleep better in nicer hotels, reading, flux on the computer screen, blue ray remover glasses
It's easy to take advantage of no family and working endlessly but I'm more productive shutting down early the proper way and getting up early
Question Seven – 20:21
Do you have any different road habits or routines than at home?
I try to keep it consistent although more of a challenge at home
One Lever or Trigger: shutting down electronics in the evening
An earlier dinner is a catalyst
Question Eight – 21:52
What is at stake for you if you're not at high energy?
We have a responsibility to those we serve to be healthy and make the healthiest versions of you
This is the long game, a sustainable lifestyle, not just for the event
Be clear about your priorities – dad / husband first not a speaker / writer
Life is a series of yes and nos
Key Quote: Learn not to be an "all in type of guy" but it's a marathon not a sprint and I'm not missing out on life
There's a fear of missing out but the real priority and party is my wife and kids
The biggest advise is awareness and enlightened
Productivity Energy Boost Tip – 25:41
5 Minute Energy Kickstart Promo – 26:41
Question Nine – 27:40
If someone is not self-aware in the moment, how do they begin to start?
Mindfulness Training – Julianna Raye
Example: See / Hear / Feel = get present to a rhythm called Noting. Take a deep breath then ask what am I seeing, hear, and feeling (externally or internally).
When you notice it, say internally "hear" or "feel" or "see"
This trains us to be in the present moment and allows us to recognize at a deeper level
Question Ten – 31:27
What is your correlation between your nutrition and your energy on the road?
I'm always asking "how can I have healthy foods available near me at all time"
I want to control as many of the environments as possible especially what goes in my mouth
Specific Examples in his Snack Backpack:
Smoked fish and oysters in olive oil
Vennesan Epic Bars
Fat coffee packets
Green Drink packets
Chia seeds to mix in with water
I always buy a pack of water so it is always available
We run to create energy – exercise creates energy
Jon travels with a yoga map
Quote: "let the kitchen be the menu not the menu be the menu"
Taking control of the menu so you can take control of your health
Question Eleven – 38:28
Has fitness and movement always been a priority to you?
I've been on both sides of fitness
Jon's Motto: Sweat Daily and the 8 out of 10 rule. The majority of the time.
Land, go to the hotel, and immediately go for a run around the area (preferably a lake)
In an Airport / On a Plane – stand as much as you can to give you energy / single leg squats in the back of the plane
Some are looking at me like I'm crazy but others are thinking this guy is genius and I should be doing that too
Always take the stairs over the escalators or elevators
Question Twelve – 42:12
What advice would you give a young road warrior?
Make list of what gives you energy and drains your energy
Develop awareness and a routine that is always improved
Preparation – thinking things through – a little bit of preparation goes a long way / what's the checklist for you?
Create a custom plan that works for you for energy and always be experimenting
Question Thirteen – 43:44
How can people find out more about you?
Facebook: Jon Vroman
Book: The Front Row Factor
Three Areas of Focus:
- Asking Powerful Questions
- Who's in our Front Row?
- How do we Shape our Environment?


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With population and pollution problems at their scale, they almost have no choice but to innovate. One such innovation is their new standard for construction reaching 3 stories per day. o_o
Check out this video on the construction of this 57 story building where a factory prefabricated much of it offsite and essentially put together on site like legos. Freaking amazing!
The crazy part? The company that is doing this is still constructing faster and faster!
January February March April May June July August September October (3) November (3) December
(1) January (1) (1) February (1) March April (1) May (1) (1) June (1) July August September October November December
January February (8) March (8) (2) April (2) May June July (1) August (1) September (3) October (3) November December
January February (1) March (1) April May June (1) July (1) August September October (2) November (2) December


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July 18/10: Porgy and Bass, originally uploaded by susanvg.
Title thanks to my daughter. She is a Gershwin fan.
Sometimes birthdays last a day, other times they extend over several days as one celebrates with friends and family. Tonight my family was all available so we went to a restaurant to enjoy good company, great food and some wine. Molivos is a Greek restaurant with great appetizers and fish that is grilled. There was a nice selection, A few of us shared porgy and bass (Mediterranean bass not endangered Chilean bass). No singing other than singing the praises of the wonderful food.
Daily Shoot: Find something that's out of context today, natural or staged, and make a photograph.( The lobster was live - walking over the fish.)


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Syncfusion Dashboards. Cloud-based. The only BI solution you need for your business.Syncfusion Dashboards
The task bar control provides a Windows-style, collapsible, grouped command item list to your UI, similar to the Windows Explorer taskbar.
The task bar control lets you add Windows-style, collapsible, grouped command item lists to your applications. The control can be rendered in many orientations, the look and feel can be templated, is blendable, and comes with several built-in themes.


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Saturday May 20th, 2017 Afternoon Sessions - 1:30pm-5pm
Session: "The dead and the living: where is archaeological theory today?"
Session Organizers:
Zoë Crossland, Columbia University
Shannon Novak, Syracuse University
ABSTRACT: In the theoretical ferment of the early Processual and then Post-processual archaeologies, mortuary evidence played a primary role, whether in the Binford-Saxe program of research, or the post-processual emphasis on the politics of funerary practice, and the social construction of the body. The vibrant theoretical interest in mortuary archaeology was also sustained through the work of feminist scholars and their attention both to the construction of gender and the effects of lived practice on the body.
In recent years there have been great leaps in the range and accuracy of scientific techniques available to archaeologists, opening up new perspectives on the mortuary assemblage. The effects of NAGPRA and related legislation have also shifted how researchers orient themselves to human remains and to descendant communities and other stakeholders. The expansion of the field of forensic archaeology has also opened an important and high profile new field of practice.
How do we see the role of mortuary studies today in the development of archaeological theory? What are the major contributions to archaeological debates that are currently emerging from the study of mortuary contexts, and where might we challenge the field to go? Recent programmatic statements in archaeological theory that deal with questions of with materiality and ontology seem to be focused primarily on artifacts rather than human remains. Why might this be, and what might mortuary archaeology offer to the debate? Papers are welcomed on any area of mortuary archaeology and theory.
Individual papers:
Introductory comments:
Crossland and Novak (15 minutes)
Part 1: Bioarchaeology and mortuary archaeology
Persistent Contagion: Skeletal, Memorial, and Spectral Remains from a 19th Century Cholera Epidemic
Alanna Warner, Syracuse University
In the 1850s, a cholera epidemic moved through much of the Caribbean, killing thousands from the Bahamas to British Guiana. Reports circulated of individuals abandoned in their homes and others buried alive. With shortages of able-bodied gravediggers, infectious corpses accumulated, triggering shifts in burial and funerary practices. The epidemic thus drastically altered the social and material landscape. The remains—skeletal, memorial, spectral—of the epidemic continue to exert force, as some claim that it shapes collective identities and histories in the Caribbean today.
In this paper, I present research conducted in the U.S. Virgin Islands, the Bahamas, Barbados, and Guyana (formerly British Guiana), bringing together archival research, site visits, and oral history. Key to my discussion are bodies and burials. Their presence, and more often, their absence, become marked with notions of contagion and entangled in broader post-colonial contexts and politics of race. Furthermore, many of the known cholera sites have become associated with other uneasy places and uses today. In discussing this persisting contagion, I question the definition of the mortuary site, as the properties of the dead—particularly the property of contagion—emerges with other materials and their properties on the landscape, moving beyond the grave itself.
Structural Violence in the Bioarchaeological Context: Considering the Extended Life Course.
Cullen J. Black, Syracuse University
This paper seeks to contribute to the emerging literature on the bioarchaeology of structural violence through an investigation of a contemporary cemetery context in Guatemala City, Guatemala. Drawing on Johan Galtung's (1969) conception of structural violence, whereby individuals and groups experience inequality through often vague and indirect forms of violence sanctioned by large-scale structures, I will explore the manifestations of this violence throughout the life-course, extending into the postmortem lives of the cemetery's occupants. Considering Guatemala's recent local histories and global engagements I will show how the country stands amongst the poorest in Latin America with one of the most unequal distributions of wealth and access to health care. Through the documentation of the cemetery system and layout, the interment contexts, and the physical bodies of individuals interred within, I will consider the ways in which such inequality becomes embodied and how those marginalized in life experience similar forms of unequal treatment in death.
Assembling Heads and Circulating Tales: The Doings and Undoings of Specimen 2032
Shannon A. Novak, Syracuse University
In April 1859, U.S. Army Surgeon Charles Brewer was dispatched to a remote mountain valley in the Utah Territory with orders to oversee the burial of 120 massacre victims. The scattered bones of overland immigrants who had been murdered by Mormon militiamen were gathered and interred in a series of mass graves. Though Brewer reported that his work was complete, he carried away from the site two skulls and "long tresses of dark and blonde hair of some of the tender victims" (Phelps 1859). One of the crania was recently identified in the collections of the National Museum of Health and Medicine, historically known as the Army Medical Museum in Washington, D.C. The details of "Specimen 2032" are presented, along with the history of movements and encounters that brought it to this place. Rather than focus solely on the object's authenticity or its linkages to the massacre site, I examine it within multiple assemblages—lively gatherings of materials, agents, and practices. In moving through these assemblages, the so-called specimen, I argue, is ontologically modified and transformed. This approach allows us to trace the multiplicity of histories that become entangled with seemingly stable objects, especially human remains that have moved far from the grave or mortuary site.
Discussion (15 min)
Part 2: Contemporary practices around death
Archaeology of the Contemporary and Human Objects
Shannon Lee Dawdy, University of Chicago
We can define archaeology of the contemporary to mean the study of materiality in human contexts of the present. Sometimes this involves excavation and survey, but it may also mean simply approaching contemporary life with archaeological questions – such as the venerable one of what funeral objects tell us about a society's beliefs, organization, and lived experience. In the U.S. today, death practices are changing rapidly, and creatively. The growing popularity of cremation has led to a proliferation of new things to do with human remains, including transforming them into different types of objects. In this snapshot from an ongoing project, I introduce three different innovators who are making such "human objects" that disturb conventional ontological understandings. And, I hope to show, disturb ontological theory as well.
New Understandings of the Past: Mortuary Archaeology and Contemporary Theories of Bereavement
Karina Croucher, University of Bradford
When studying archaeology from a post-processual perspective, we are all too familiar with the problematic nature of interpretation based on contemporary experience. We have moved away from the New Archaeological frameworks of using mortuary remains to reveal social organisation, and associated laws of human behaviour. However, following recent research with end-of-life care professionals, new questions are arising around the role of grief and mourning in our interpretations of mortuary material.
The 'Continuing Bonds' project is using case studies from the past to facilitate conversations around death and dying today, and to inform values, attitudes and beliefs around death for healthcare professionals. An unexpected consequence of this collaboration between archaeology and palliative care has been the reassessment of archaeological remains. Currently, bereavement counsellors are moving away from a model of 'detachment' and viewing the process of bereavement as one of distancing and 'getting over' the attachments with the deceased, to models of 'Continuing Bonds' (Klass, Silverman and Nickman 1996) and the 'Dual Process of grieving' (Stroebe and Schut 1999; 2010). The latter recognise that processes of loss are complicated, and rather than 'getting over' the dead, the dead can take up new positions within the lives of the living. One such response is the desire to keep the dead close, with modern examples including retaining ashes of the deceased and their incorporation in cremation jewellery or ornaments.
This paper takes a controversial approach and assesses whether theories such as 'Continuing Bonds' can be useful in the interpretation of archaeological funerary remains - through the case study of plastered skulls from the Neolithic of southwest Asia – and suggests that, rather than simply indicators of social stratification, these remains may also be indicative of processes of grief and mourning in the past. Following the seminal work of Tarlow (2000) and further discussions by Harris and Flor Sørensen (2010), this paper explores whether such emotive explanations have any role in our interpretative theoretical frameworks; not relevant for all peoples, times and places, but perhaps for particular moments in history/prehistory. Or, do contemporary theories have no relevance for our understandings of past mortuary practice?
Harris, O. J. T. and Sørensen, T. F. (2010) Rethinking emotion and material culture. Archaeological Dialogues, 17 (02), 145-163.
Klass, D., P.R.Sliverman and S.Nickman. (1996). Continuing Bonds: New understandings of Grief. London: Taylor and Francis.
Stroebe, M. S., & Schut, H. (1999). The Dual Process Model of coping with bereavement: Rationale and description. Death Studies, 23: 197-224.
Stroebe, M. and H. Schut (2010). The Dual Process Model of Coping with Bereavement: A decade on. Omega 61(4): 273-291.
Tarlow, S. (2000) Emotion in Archaeology. Current Anthropology, 41 (5), 713-746.
Ethnography as Prelude: The Case of Heritage in Northern Haiti
Pamela L. Geller (University of Miami)
I am an anthropological bioarchaeologist by training. But, in summer 2015, I found myself conducting ethnographic work in the northern Haitian community of Milot. The town is the location of the UNESCO World Heritage site Parc National Historique, comprised of Sans Souci Palace, Citadelle Laferrière, and Ramiers. Henri Christophe ordered his subjects to build these monumental structures after the Haitian Revolution (1791-1804). I was there to document narratives about the Parc as told by multiple groups— state officials, foreign and Haitian visitors, locals whose families have lived in Milot for generations. One aim was to determine which historic threads are celebrated, silenced, or forgotten. Which is to say that my research agenda had nothing to do with human remains or mortuary archaeology.
During the course of interviews, community members related information about Haitian heritage that was unexpected but seemed significant. Specifically, they spoke of vodou religion. While less tangible than architecture, mortuary spaces and human bones are central in rituals. People also spoke of an ontological understanding of the body that differed from my biomedically based one. With these insights in mind (and the future possibility of work at 18th/19th-century plantations and their associated cemeteries), here I challenge bioarchaeological and mortuary studies to make ethnography a starting point in research designs. To engage with contemporary communities prior to excavation and analysis of ancient or historic burials—whether the ties that bind are geographic or lineal ones—is epistemologically essential and ethically responsible.
Discussion (15 min)
Part 3: Forensic archaeology in theory
Cross-examining Evidence of Theory in Forensic Anthropology
Derek Congram, University of Toronto
Forensic anthropologists typically assess a core set of characteristics of a skeleton (sex, age, stature, and possibly biological ancestry) as well as trauma, which serve as legal evidence of a person's identity and cause of death. Recent court rulings in North America have established the Daubert standard, which mandates that the basis of expert conclusions must be generally accepted within the field and that expert conclusions must be founded in evidence. This gives the perception that forensic anthropology (which here includes archaeology) is seen, at least seen by the courts, as processual.
Since the 1990s, forensic anthropologists have been increasingly involved in international investigations of genocide and crimes against humanity. Among the core legal elements of these crimes are questions of social identity (e.g., ethnicity, "race"), which do not conform nicely to processual frameworks. Recent trials at the International Criminal Court have highlighted the complicated understanding and use of archaeological and anthropological expertise (e.g., by judges, lawyers, forensic experts, victim communities), ultimately establishing what constitutes legally admissible evidence of atrocity crime. They also demonstrate what, according to their standard, might be the limits of forensic anthropological expertise.
This paper will review court transcripts of archaeological and anthropological expert testimony in trials at the International Criminal Court. It will show the broad range and complex interplay of different criteria considered to be within the expertise of archaeologists and anthropologists (e.g., linguistics, taphonomy, mortuary behaviour, cultural diffusion/syncretism, bone biomechanics) that work against a unified theory of forensic anthropology. This is particularly clear in the context of international investigations where the so-called experts are giving testimony on people and places with which they might have little familiarity, thus provoking the question of who is an expert and how we might frame forensic anthropological expertise in discussions of theory
The Signs of the Dead: Ontologies of Semiosis and the Forensic Dead
Zoe Crossland, Columbia University
In this presentation I examine the dead body as a site of forensic investigation, looking at the semiotics of forensic practice and how it poses interesting challenges to the recent theoretical concern with ontology. Present in the various theoretical strands that argue for an 'ontological turn' is a rejection of a semiotic approach, in so far as it reduces the meaning and presence of things to representation. Forensic investigation revolves around a materially grounded semiotics that does not search for the 'real' material corpse lying behind a world of language or of discursive signs, but rather that shows an entity whose reality is disclosed and acted upon through the signs that different beings perceive inhering in it. It therefore provides insights into the semiotic practices of archaeology more generally and provides a productive site for thinking about what we mean by ontology
Lynne Goldstein (discussant, 20 min)
Discussion (30 min)