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Borough Park
Sponsored By
Shomrim Leader Charged With Raping 16-Year-Old Girl In BrooklynThe 59-year-old runs the Shomrim's Brooklyn South Safety Patrol in Borough Park.
Police Arrest Man For Attempted Rape Of Teen In BrooklynPolice on Wednesday arrested a man they say forced himself into a teenager's bed in Brooklyn.
Demanding Answers: What's Being Done To Stop Vehicles From Driving On Brooklyn Sidewalk?Surveillance video captured a yellow school bus driving up on the sidewalk at 40th Street and Fort Hamilton Parkway to avoid traffic last week.
Police Search For Intruder Who Crawled Into Bed With 14-Year-Old Girl In BrooklynIt happened around 3:30 a.m. Tuesday on 39th Street in Borough Park.
Exclusive: School Bus Drives On Sidewalk In BrooklynBorough Park residents say they're getting trapped by people double parking, and some drivers are going to extremes to get around.
Swastikas Found Etched Into Cars In Borough ParkPolice are investigating a possible hate crime in Borough Park, Brooklyn.
14 Hurt In 3-Alarm Apartment Building Fire In Borough ParkIt broke out around 4:20 a.m. Monday in a four-story, multi-unit building at 1225 49th St. at 12th Avenue in Borough Park.
Borough Park Congregation Divided Over Synagogue's FutureA religious family feud is brewing in Brooklyn, where some say the best way to save a congregation is to tear down its historic synagogue. Others are upset and fighting back in court.
Fire Rips Through Building In Borough Park, BrooklynAn extra-alarm fire broke out in Borough Park, Brooklyn late Sunday.
Suspect Stole Almost $250,000 Worth Of Religious Texts From Brooklyn Synagogue, Police SayPolice late Sunday were looking for a thief who broke into a Brooklyn synagogue and made off with religious texts worth almost $250,000.
School Buses Stolen From Brooklyn Yeshivas, Ditched After JoyridesSchool buses are being stolen from religious schools in Brooklyn and then ditched elsewhere, and police late Friday were trying to figure out who was behind the unusual thefts.
Video: Car Jumps Curb, Strikes Teen Girl In Borough Park, BrooklynSurveillance video captured an out-of-control car jump a curb and plow into a teenage girl in Brooklyn.


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HP Post Office Results 2015 Download hppostalcircle.gov.in
Himachal Pradesh Postal Circle will shortly publish the HP Post Office Results 2015 at its official website hppostalcircle.gov.in. Candidates who have attended for the HP Post Office Postal Assistant (PA) and Sorting Assistant (SA) 2015 written examination, those applicants are eagerly waiting for their HP Post Office Results 2015. All the appeared applicants may check and download their results, merit list and etc through its main portal.
Details about HP Post Office Results 2015:
Himachal Pradesh Postal Circle has issued the recruitment notification to hire the candidates for filling up various vacant posts like Postal Assistant and Sorting Assistant posts through this notification. Large numbers of applicants are applied for this notification and appeared for this written HP Post Office PA SA 2015 written examination. Himachal Pradesh Postal Department has conducted the written examination was held on 24 May, 2015 at various examination centers. Selection process will be based on the candidates performance in the written examination and the personal interview. After successful completion of the examination, Postal department is going to release the HP Post Office Results.
Himachal Pradesh Postal Department is going to announce the HP Post Office Results 2015 at its official site. All the appeared applicants must download their results and merit list and etc through online by entering their examination details. Candidates can follow the below rules to get their results easily.
How to download the HP Post Office Results 2015:
- Log on to the official website of HP Postal Department www.hppostalcircle.gov.in.
- Click on the results button.
- After that, click on the link of HP Post Office Results 2015.
- Enter your hall ticket number and set number and date of birth and etc.
- Click on the submit button.
- Results will be opened on your screen in the form of PDF format and take hard copy of it.
Click here to download HP Post Office Results 2015

subset: commoncrawl


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Computerized Gait Analysis
Test the effects on your feet from your current athletic shoes and custom foot orthotics with a computerized gait analysis.
For a detailed assessment of the nature of pressures occurring inside your shoes as you walk, run, golf, cycle or play on a court, consider ordering a computerized gait analysis. The information helps you understand how your shoes or orthotics are working for you or against you.
The pressure information integrates with the design of an orthotic, resulting in an orthotic that is highly effective in preventing and recovering from injury, and increasing power and efficiency in training and competition.
This is an optional service, often ordered by physicians for detailed data.
|Improving Foot Function
|Learning Center | Using Insurance | Sports | Therapeutic | Comfort | Gait Analysis | Diabetic Footcare | Foot Conditions Treated | Links


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Snap I took for Uni!
Category: Music
Snap of the Day!
First Uni Article!
Check out the link below to my first article!
My Niche!
Hello wonderful people!
I suppose this post is all about me being stuck in a bit of a 'blogger-rut!' I've been trying to find my blogging niche for quite a while now and I'm in need of some your wonderful advice!
I think the problem is that I have a passion for SO many things that I've been struggling to find a particular area to specialise in. I've tried: books, games, art, photography, writing….
Like I said, I love so many different things, it's hard to pick an area that fits me for my blog.
What is it that made you click the FOLLOW button!? Which would you prefer me to stick with? I love them all! I can't choose! Obviously, I'd have to make a few site changes, but, I love doing that too! I love being creative!
What would you like to see more of?:
- Book Reviews
- Photography
- Movie Reviews
- Game Reviews
Let me know in the comments below! Thank you so much in advance for the feedback!
Love Ya'll!
I found this video and thought it was important to share it with you all!
Doggies Play with Waterballoons!
Look what I did today!
Monday 19th September: I start University! I've wanted to go for SO long!
I feel that the course is the right one for me and even though I live a train and then a bus ride away from campus, I don't regret my choice.
Leeds Beckett University: Digital Journalism.
I love everything digital: cameras, game consoles, computers, gadgets and I love blogging! So the mix seemed perfect!
I can't wait to finish setting up my office! Currently, I am sitting on a cushion on the floor while I type away. (Eye roll) Not the most cumfy of positions! The kinks you get in your neck are awful!
But soon everything will fall into place and my adventure will begin!
I can't wait!
How are you?
You can check me out on facebook: Pinkfairygames (group)
I made the group so I can be more interactive with my readers! Any requests or suggestions welcome!!


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Facilities Management and the Office of Sustainability work across campus to improve the livability of our landscapes. A healthy environment contributes to our students' success and provides a welcoming environment in our community.
Campus Landscapes
As part of the Campus Landscape Enhancement Project, an Urban Forest (PDF [Portable Document Format File] ) was established along University Drive. The forest is a densely planted area, reminiscent of a Texas creek bed. More than 5,000 trees and shrubs were planted, many of them native to Texas. The varieties include Afghan Pines, Bur Oaks, Caddo Maples, Cedar Elms, Chinquapin Oaks, Magnolias, Pond Cypress and Shumard Oaks. The Urban Forest is set in a natural riparian corridor running through campus.
Cottonwood Creek also runs through campus. The West Fork of Cottonwood Creek runs along the west side of campus, through University Village. It ultimately joins other waterways at White Rock Lake, part of the Trinity River watershed.
Tree Campus USA
With more than 6,700 trees on campus, and as the recipient of $50 million dollars for landscape enhancement, The University of Texas at Dallas is committed to maintaining our fabulous landscapes. To demonstrate that commitment, the University has been recognized by the Arbor Day Foundation as a Tree Campus USA®, a program that helps campuses establish and maintain healthy community forests.
To maintain that certification, UT Dallas has established a Tree Advisory Committee, a standing sub-committee of the Campus Sustainability Committee. A Tree Care Plan has been developed and implemented by Facilities Management. Tree Planting events take place annually on campus. Service learning events are hosted by the Office of Student Volunteerism, both on campus and with community partners.
The UT Dallas Tree Campus USA® program began in 2016. As part of existing tree management practices, a publicly accessible campus map and tree inventory has been made available online for students, staff, and faculty to view. For any questions regarding this viewer, please feel free to contact us.
Monarch Waystation / Blackland Prairie Habitat Restoration
UT Dallas sits in Texas' Blackland Prairie. The Blackland Prairie region is a strip of dark, rich soil encompassing much of Dallas and following the I-35 corridor. Facilities Management has established a No-Mow Zone to encourage native prairie grasses and give plants an opportunity to reestablish. Mowing less and planting native species are a key part of our prairie restoration program. An eight-acre area on the southwest corner of campus is the home of the restoration and our largest Monarch Waystation. Native pollinators, like Monarch butterflies, Bumblebees, Mason Bees, and Honey Bees, are crucial to the proliferation of many flowering and fruit producing plants.
The Monarch Watch is a nonprofit managed by The University of Kansas. UT Dallas is located in the migratory path of the Monarch Butterfly. To encourage species recovery, we have planted native milkweed to serve as a breeding ground, and wildflowers to support all pollinators in their search for food. Through the Office of Student Volunteerism, students can participate in planting and maintaining the Monarch Waystation and Blackland Prairie Restoration.
Community Garden
The UT Dallas Community Garden program provides Comets with the opportunity to enjoy the benefits of natural gardening and community greening. The garden was established in 2006 with an idea from the McDermott Scholars program and a grant from the UT Dallas Alumni Development Fund. Students, staff, faculty and alumni are all invited to host garden plots. Participants should contact the Office of Student Volunteerism to inquire about joining the Community Garden.
Composting Program
Composting is an important part of the campus waste management program that is continuously evolving. In August 2017, UT Dallas Dining Services and Facilities Management have partnered with Organix Recycling to enhance the Universities' composting program. With newly installed 2 YD [2 Cubic Yard] containers near our campus kitchen locations, we have simplified the pre-consumer food waste collection process. With this new partnership, additional food items are acceptable in the waste stream that were not previously accepted (for example, meat and dairy products), increasing the amount of food waste that is recycled.
The Facilities Management team will continue to collect landscape waste from daily operations. Some of the landscape material is shredded directly into mulch. This mulch is used across campus to reduce our watering requirements and provide nutrients to our planting beds. By keeping these materials out of the consumer waste stream, the University has reduced emissions, costs, and time associated with waste management.


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Final Fantasy VII
Emerald Princess of Vernea
Chapter Forty-Five
After another minute or so of climbing up in the lift, Cloud soon heard the sounds of the Gold Saucer. First he heard the carnival-like music that came from the attractions, quiet at first but growing louder as the lift rose up, fading again as they went by. Then he heard the screams of cheerful riders from the roller coaster as it sped past, although he couldn't see it.
He and Ester didn't say anything else to one another as the lift went up. At first Cloud thought she was just being quiet, until he heard her mumbling quietly to herself. He was beginning to think she was as strange as she looked, but he could just hear her mumbling Chocobo statistics to herself, and he realised what she was doing. She was mulling over all the Chocobos and jockeys in the races, and considering which Chocobo she would give to Cloud for the race.
It was another half a minute before the lift finally came to a halt, stopping with only a slight shudder. Ester finally looked up from her mumbling and pushed the button to open the doors. A wave of cool air heavy with the scent of sugar and popcorn wafted into the lift, hitting Cloud so full on that he felt a little bit sick. Along with the smells came the sudden lift of noise and sounds, and Cloud realised just where they were.
The lift had opened up right at the entrance to the Chocobo Races, the lift quite cleverly disguised by the words 'Staff Only' painted on the door. There was no doubt that no one else knew that the lift went all the way to the bottom of the Gold Saucer, unless they broke any of Dio's rules.
Ester motioned Cloud out of the lift and quickly led him through the crowds of cheering people who were watching the races. She led him towards the back of the Square to another 'Staff Only' door, and quickly pushed him through before she turned to speak to one of the other members of staff.
The door led Cloud straight into the jockey waiting room, where all of the registered Chocobo jockeys were currently waiting for the next race to start. There were maybe a dozen registered jockeys in all, but at that moment there were only five in the waiting room. The others were all currently racing; hence the sounds of cheers and groans from outside as people either won or lost their bets.
Cloud looked around at the group of jockeys, eyeing them over. They were all professionals, dressed in smart and somewhat silly-looking tunics and riding pants, boots and helmets included. Four of them were sat at a table in the middle of the room, playing cards with one another and enjoying the odd cigarette as they waited for their races to start. There was one other jockey leaning against the nearby wall – a smart-looking jockey with neatly trimmed hair and a rather upper-class expression of smugness on his face, although he didn't look unfriendly. He was the only one who looked at Cloud when he came in, and eyed him over as well.
"You new?" he asked of Cloud. His voice also carried the tone of someone from the upper classes. He looked up over Cloud's shoulder as the door behind him opened, and Ester walked into the room, the cheerful smile still on her face.
"Hi, Joe," she greeted as she looked at the upper class jockey.
"Hey, Ester," Joe replied, tilting his riding helmet slightly in politeness. "You're looking pretty as usual."
Cloud noticed Ester's cheeks flush a little as she spoke. "Thanks," she replied. Realising that she was blushing, she quickly turned to Cloud. "Let me introduce you, Cloud. This is Joe, one of the top Chocobo Jockeys."
"Nice to meet you, Cloud," replied Joe, just as politely. He even took a bow, before he suddenly put two and two together and looked up at Cloud again. "If you're with Ester, then…"
Ester nodded, almost proudly. "Right! He's an up and coming jockey," she said enthusiastically. "He's only been down here for a day, and already he made it up here!"
That caught the attention of the entire group of jockey's in the room. The four jockeys who had been playing cards and only half-listening suddenly dropped their cards down onto the table, cigarettes dropping from their mouths and helmets clattering onto the floor.
"What?" they all exclaimed loudly, and four pairs of eyes all gazed upon Cloud. They had encountered a number of prisoners from the Desert Prison trying to get out before, but never before had a prisoner made it up to the races in just a day. Looking Cloud over, he didn't look like anything special, but he must have done something pretty good to earn such a privilege.
Even Joe seemed quite startled. "Oh, I see…" he said, sounding just a little bit nervous. "So what did you do down there? Sorry… you're not supposed to ask about the past here…" He readjusted his helmet, which had become tilted when he jumped back after realising Cloud was a prisoner and not just another jockey. "Pretty interesting…" he commented. "I have a feeling that we'll meet again. Then, until we meet again, Cloud."
With another polite bow and a smile to Ester, Joe then turned away and headed off to the stables to prepare his Chocobo for the race. Cloud watched him leave. Joe wasn't at all like he had expected from someone so clearly upper class. He was not at all snooty and stuck-up, and quite clearly liked the idea of some new competition.
"I'm going to check on the Chocobo," Ester said suddenly, breaking Cloud from his thoughts. "You just wait here for a while."
Then Ester left as well, also going into the stables to prepare the Chocobo she had chosen for Cloud. Once Ester was gone the four remaining jockeys returned to their game, ignoring Cloud for the time being. They clearly had no interest in prisoners riding in the races, although they showed no hostility towards him. Cloud felt a little awkward standing in the middle of the room by himself, so he went over to where Joe had been standing before, and leaned against the wall.
After a minute or two of waiting, the speaker above the stable door finally crackled into life, and a clear masculine voice spoke through.
"The race will start in a few moments. Will the jockeys for the next race, please proceed to the paddock. I repeat…"
Cloud watched as the other jockeys put their cards back down onto the table, put out their cigarettes, picked up their riding helmets and headed briskly towards the stables to collect their Chocobos. Cloud stayed where he was for a few moments, wondering what he was supposed to do.
While he was waiting, his arm slipped off the ledge he was leaning on, and something red and shiny was knocked off and rolled onto the floor. Cloud quickly caught it before it rolled under the table and saw that it was a piece of Materia, just lying around. He hadn't seen this piece of Materia before, although he'd heard of it. The lightning bolts that flashed very faintly inside the red sphere signified that it was Ramuh, the God of Thunder. Quickly Cloud pocketed it, feeling bad about stealing what could have been someone else's Materia, but they needed every bit of help they could get.
"Cloud," came Ester's voice suddenly, and Cloud quickly bolted upright. Ester was standing in the doorway to the stables. Cloud wondered if she had seen him, but when she carried on speaking, he relaxed with the thoughts that she hadn't. "Thanks for waiting. I registered you in the next race. This is a Chocobo I prepared myself. He won't lose easily. Oh yeah… You know how to ride one?"
Cloud nodded. "Yeah, I got it."
"Then, good luck."
It was very stuffy in the racing arena, Cloud noticed. The Square had been open since morning and had already seen many races already. The stench of Chocobos and sweat filled the air, but that was only because they were all huddled together. It would soon disperse once the race started.
Ester had certainly provided him with a good Chocobo – a yellow Chocobo named Aimee, born and raised in the Chocobo stables. She was a young but very healthy Chocobo, with a sleek coat of fur and feathers and bright brown eyes. She was also very energetic, which made Cloud wonder if she would use up all her stamina before the race could end. Still, he trusted Ester's opinion.
Joe was also in the race, and gave Cloud a wink as he entered the arena with Aimee. His Chocobo, Grey, was a white Chocobo with neatly trimmed feathers and sharp, focused eyes that eagerly looked at the racecourse, stamping its feet down impatiently. Cloud tried to ignore the intimidating looks of the other jockeys and promptly climbed onto Aimee's back, holding onto the reins as he waited for the race to start.
At that moment the lights signalling the beginning of the race began to flash, and all of the jockeys prepared to launch their Chocobos into a quick, sudden dash to get them a good position at the start. Then, when the last light turned green, the race began.
The jockeys all set off, pushing their Chocobos forward in a quick, sudden dash past the starting line and through the short tunnel that was shaped like a Mog's mouth. Cloud ran with them, startled by the sudden rush of exhilaration that came with the thrill of a race.
As they passed through the Mog Mouth Tunnel and onto the blue path that quickly turned into a rainbow-coloured tunnel, the jockeys finally pulled back on the reins and forced their Chocobos to slow down a little, using just enough stamina to break ahead. Now they were more spaced out and not so cramped together, and that was when the true race began.
Cloud found himself in third place when he pulled on Aimee's reins and forced her to slow down. He could feel her resistance to his commands as she tried to continue dashing forward, but Cloud could not afford to use up all her energy before they were near the end. Eventually Aimee complied and slowed down, but he could still feel her urge to run fast and move past the other racers.
He was not surprised to see Joe leading the race as they moved out of the rainbow tunnel and into the patch of grass and forest, a single red sign with a yellow arrow pointing them round to the right slightly where the rest of the racecourse was waiting for them. Joe's Chocobo had been bred specifically for riding, and with a perfect pace and speed, it looked like it was going to be a tough challenge for Cloud to pass him.
One thing Cloud noticed as they went progressed steadily through the racecourse was just how strange and different every single area was. First had been the Mog tunnel and its blue path, and then into a short rainbow tunnel with its multicoloured walls and floors, so perfectly painted they looked natural, and now they were running on grass. It was not real grass, for Cloud could see the faint signs of dark blue-black of rubber that held the artificial grass up, but it was almost indistinguishable from the real thing.
The rubber was also helping the Chocobos move along through the racecourse. With each slam of their clawed feet against the floor it seemed to propel them along, giving them extra bursts of speed that wouldn't use up their stamina. Although Cloud was unaware of the position of the other three riders, he could see Joe and the second-place jockey right ahead of him, and Aimee's desire to speed up and pass them. Cloud was having the same feeling, but he knew he had to keep the Chocobo under his control if he was going to have any chance of winning and getting out of the Gold Saucer.
Following the grassy path area came another area that was again distinctly different from the previous areas. The new area had a floor that was like a chess board, covered in black and white squares that ran on and on ahead of them before curving sharply to the right. Cloud saw Joe push his Chocobo a little harder and swerve slightly to the right as he approached the turn, wanting to get close to the wall before the Chocobo ran round and swerved towards the far wall. Cloud figured he ought to do the same, and quickly made Aimee swerve towards the near wall.
It was a lucky thing for Cloud that he did do it right then, for the jockey in front of him swerved just a little too late, so that when he reached the corner and ran round, his Chocobo moved dangerously close to the wall. The realisation of that and a quick flash of panic caused him to tug harshly on his Chocobo's reins, and the Chocobo staggered and nearly fell over. This mistake caused him to stop as Cloud sailed past on his Chocobo, and it was only after another rider passed him that he was able to start again.
Cloud didn't look back as he continued to run around the large bend, focused on keeping Aimee's agile and energetic body in check and as close to the wall as possible so that he didn't lose control of her. He knew when the bend came to an end for he saw Joe ahead of him relax his grip on the reins, and his Chocobo slowed into a less controlled run.
They were now running on an upward slope, heading towards a small wooden bridge with yellow lights shining up on it that would guide them into the next area. Joe was still steadily pulling away from Cloud, and Cloud knew he had to catch up to the rival jockey before he pulled too far ahead, otherwise there would be no way he could win.
Now running on a brown track, passed a gigantic open oyster shell with a huge shimmering pearl glistening inside, Cloud focused on using a little more of Aimee's pent up energy and speed in order to try and pass Joe and get in the lead of the race. He got the feeling that the racer behind him was getting in fairly close and would pass him if he didn't take a risk on Aimee's stamina.
As Ester had told him to do, he dug in his heels slightly and leaned slightly forward. He felt Aimee's relieved response instantly as she began to run faster, but only until Cloud tugged gently on her reins to tell her that was the speed she needed to go. The young Chocobo did as she was told and ran steadily forwards, and they gradually began to catch up on Joe.
Turning around into the next area Cloud was awestruck by the high stone pillars that lined their path, each one tipped with a ball of holographic flames. Even though they were only holograms Cloud could feel the artificial heat against his skin, but Aimee didn't seem to mind it at all. So Cloud kept on leaning forward and pushed her onwards.
A flash of light suddenly zipped past Cloud and made him jump. Aimee squawked loudly and fluttered her wings a little, just as a second wave of eerie green light fell over her and Cloud.
Cloud looked up and saw more holograms floating above the racecourse. Holograms shaped like spaceships – at least two of them – with a number of pointy aerials and domed tops flew overhead, the light coming from the centre like some sort of beam that was scanning them over. Cloud kept his hold on the reins as they ran through that area, trying his hardest to keep Aimee under control.
He was immensely relieved once they passed through into the crystal area, where clumps of blue-shaded crystals bordered the path, and Cloud once again focused on catching up with Joe. Thankfully Joe's Chocobo had also been startled by the holographic UFOs and had fallen back a foot or two, making Cloud a little closer to him.
Cloud used this to his advantage and began to push Aimee in his direction, hoping to pass him on the right before the course swerved around again past a series of showcases containing small black globules. Slowly but surely Aimee gained speed and eventually reached the tail end of Joe's Chocobo, and was steadily getting closer to being level with them.
Joe finally noticed Cloud running up next to him as they passed the showcases and onto a second grassy path, with a log bridge just ahead of them. He smiled at Cloud and gave him a wave as Cloud ran up beside him, clearly enjoying the race more than anything else, and he seemed very impressed that Cloud had managed to catch up with him.
Cloud waved back, before something else caught his eye and he turned the other way. They were now crossing the log bridge, and to their right was a holographic waterfall, with the hologram continuing its realism way below them. There was a holographic rider on the waterfall, sitting in a canoe right on the edge. As Cloud ran past he saw the canoeist turn around sharply and quicken his strokes, trying to break away from the edge before he fell. He failed, however, and he tumbled over the edge and down towards the water. Again Cloud wondered who had designed such a racecourse, with its different areas and strange designs.
He had little time to ponder that for he and Joe were now coming up to what was most likely one of the final areas of the racecourse. The ground beneath them seemed to disappear until it was just a semi-transparent blue path, and, looking around, it looked as though they were running through space itself.
The air around them seemed very dense and Cloud felt as though it was much harder to move. Aimee had ducked her head low and was running almost at an automatic sprint as she ran alongside Joe's Chocobo, almost neck and neck, leaving Cloud to gaze at the scenery.
Below them was a large moon, obviously not life-size but very realistic. Floating above the path was a huge satellite, and Cloud nearly fell off as he craned his neck back to look at it. He didn't take too long to look around, for they were already coming to the end of the space area, and with Aimee pulling just slightly ahead of Joe's Chocobo, he had to be prepared for what would be the final sprint.
As they passed through the final turn of the space area and broke free they rapidly picked up speed again, and Cloud realised that Aimee was now running full tilt, completely out of his control, towards the finish line ahead.
Joe was just a split second behind but was steadily falling back. A quick glance back at his face made Cloud think that he was holding back a little on purpose, which surprised him a little. Still, it made him glad, for now they were in first place and so close to the finish line.
The finish line – a beam of green light that ran horizontally from end to end of the racecourse, flashed brightly as Aimee passed through it. The echo of loud and happy cheers came through the walls of the racecourse as Cloud pulled harshly on the reins and made Aimee skid into a sharp stop.
Joe stopped just a second later and instantly jumped off his Chocobo, pulling off his helmet as he did. He went straight over to Cloud and shook his hand firmly, just as the last of the racers finally pulled into the finishing area.
"Congratulations!" Ester cried happily. She ran over to Cloud as he entered the waiting room and threw her arms around him cheerfully, despite the fact that he was still hot and flustered from the race. "Now you're home free!" She gave Cloud a tight squeeze before she released him and quickly held out an envelope. "Oh yeah, the owner told me to give this letter to you when you won."
Cloud took the envelope and ripped it open, wondering what Dio had written. As he slowly unfolded the letter and looked at the hasty joined-up writing, he hoped that Ester had managed to do what she said she would, and they would all be free. He could feel Ester's eager gaze on him, and so he read the letter aloud.
Boy, if you're reading this letter, then you must've won. And won a victory I'm sure you earned. I heard about Dyne from Ester. Now that you are victorious, I promise that you and all your friends will get a full pardon, and you all will be set free. And also, by way of apology, I prepared a little gift for you to use on your journey. Sorry I couldn't be there to tell you this in person, but I am a very busy man. Sincerely, Dio.
"A gift?" Cloud asked, looking over at Ester. She didn't reply, but there was a smug smile on her face that made him figure she had something to do with it. He never had the chance to ask her, for a buzzing sound in his pocket made him jump. He quickly pulled out the PHS, which Barret had returned to him before they disembarked from the Shinra ship, and turned it on. Aeris's voice came sailing in through the phone, heavy with feelings of excitement and wonder.
"Cloud, isn't this great!" came her voice. "The assistant manager just stopped by and dropped off a 'buggy' for you! Now you can go over 'deserts' and 'rivers' no problem. Okay, Cloud. I'll be waiting outside."
The phone then clicked off, and Cloud could just picture Aeris running towards the buggy in her usual state of happiness, eager to take the wheel. Just thinking of that made him shake his head pitifully, his blond hair shaking in front of his eyes. He looked down at the letter and saw faint marks of writing on the other side.
Hmm? The letter continues… he thought, and turned it over to continue reading.
P.S: I just recently met Sephiroth. He must have a lot of fans with boys your age. Why don't you get his autograph? It seems he's headed towards the South of the river, towards Gongaga.
"Sephiroth…" Cloud whispered softly. He folded up the letter and placed it carefully back in the envelope.
So Sephiroth had been at the Gold Saucer after all. Cloud did wonder how Dio had come to meet him, and even more, how he had got out of it without being killed. But then, from the look of Dio as Cloud remembered, he figured that even Sephiroth would have a hard time getting his sword through those muscles.
"I guess this is goodbye," said Ester, and Cloud looked at her. "Yeah. Well, if you ever get your own Race Chocobo, come back again. I'll take care of your registration and everything. I'll see you again."
The buggy sure was something, and, as Cloud had expected, Aeris was sitting at the wheel with an excited look on her face. She, Tifa and Cait cheered as Cloud walked up, and he tried to ignore their cheers as he climbed up into the back of the buggy, sitting with Cait and Red XIII, as Barret had taken the seat next to Aeris.
Cloud was also relieved when Tifa handed his sword back to him. Feeling its familiar weight in his hands and the smoothness of the wide, flat blade, it beat holding Chocobo reins any day. He put it back where it should be – on the strap behind his back, and sat back in the car.
"Where to?" asked Aeris from the driver's seat.
Everyone slowly turned to Cloud, waiting for his answer. Cloud stayed silent for a moment, before he finally looked up and said just one word.
End of Part Four
You have now reached the end of Final Fantasy 7: The Story 1st Instalment. The story will continue on a separate file titled Final Fantasy 7: The Story 2nd Instalment. Thank you to all of those who have reviewed this first instalment and made it a success. I hope you will continue to read as we continue this fic soon.
Coming soon:
Final Fantasy 7: The Story 2nd Instalment
Part Five: Study of the Planet
Thank you all so much for reviewing this fic – your opinions are greatly appreciated! I know I said Part Four finishes in Cosmo Canyon, but I decided to end it here so that we can begin in Gongaga in the second instalment! I hope you will all continue reading and reviewing my work!
I will be putting my fic onto my Final Fantasy website soon, so that if it was ever deleted from here, you can find it there.
Again, thank you all so much, and I hope to see you all in the 2nd Instalment!
Sincerely, Emerald Princess of Vernea


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Jointly produced by the Office of the Government Chief Information Officer and Radio Television Hong Kong (RTHK), IT Champions, a brand new TV drama series on ICT professionals, made its debut on Today (13 January 2014), together with the launch of RTHK's new digital TV channel – Channel 31.
The series will feature seven exciting episodes based on real life stories of ICT professionals, covering topics on entrepreneurship, mobile app development, digital entertainment, e-learning, digital inclusion, etc. GreenTomato was featured as the finale on 24 February 2014. Through IT Champions, we hope to showcase the brilliance of our ICT talents on how they use ICT innovatively to bring benefits to the society, thereby uplifting the image of the industry and attracting more young people to join the profession.
GreenTomato's episode was finally on air, enjoy!
Our team also joined us for the screening. It's funny to sit in our office while the exact same office is being shown on TV at the same time.


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The House
Sightseeing and things to do
Normandy attractions
Cycle Hire
Availability & Contact
The House
Sightseeing and things to do
Normandy attractions
Cycle Hire
Availability & Contact
Normandy attractions
Normandy is renowned for its gastronomy - cream, cheese, cider and of course Calvados, the local apple brandy! For seafood lovers, there are ample restaurants offering fresh oysters, mussels and other seafood as well as locally caught fish. The tides, being the largest in Europe, are great for going foot-fishing (peche a pied) on the beaches at low tide; with your bucket and pick, see what crabs, lobsters and mussels you can catch to BBQ when you get back!
But the whole of the Cotentin peninsula itself, steeped in history, has fantastic historic towns, abbeys and castles to visit - and all nearby and easy to get to.
William the Conquerer, who was born just outside the peninsula at Falaise, set sail to England in 1066 from the beautiful town of Barfleur which is about 40 minutes drive. Bayeux, roughly 80kms away, houses the famous 'Bayeux Tapestry' which chronicles William's battle against the English (from the Norman point of view, of course!)
Of course you mustn't miss visiting Le Mont St Michel (100kms) which is the most visited monument in the whole of France! Nearby in the walled town of
St Malo, there is a fabulous Aquarium which is well worth a visit (although, of course, this is in Brittany, not Normandy!)
To the east, just 35 minutes away by car, are the famous D-Day landing beaches - Utah, Omaha, Gold, Juno and Sword, where US, Canadian and British soldiers and airmen arrived in 1944. The local museum there at St Mere Eglise is where Tom Hanks based himself for researching his part in "Saving Private Ryan" and the TV series "Band of Brothers".
For jazz lovers, each year in May there is the annual jazz festival at Coutances (25kms) 'Jazz sous les Pommiers' where international jazz artists play to packed audiences.
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So, you live in the Caribbean, and your Puerto Rico island home gets hit by a hurricane. Major parts of your power infrastructure are either flattened, or torn away and dispersed by the furious force of the winds. 99% of the homes, businesses, streets, whole communities are without electricity. The response from the Federal Government, sniped at before it had even begun, was impressive, with pre-positioned teams from both FEMA and the U.S. Army Corps of Engineers landing hours after the winds had begun to die down. Some time after the initial response teams commmenced their work, rumours began circulating that the Puerto Rico Electric Power Authority was starving imported contractors of vital line materials, and PREPA was trying to put them out of business, and toss the costly repair contracts to its own favourite companies.
So, after learning of a secret stash of electricity distribution equipment, hoarded by PREPA for reasons unknown, FEMA and the USACE, along with armed security details, forced their way into the warehouse, and immediately began distributing the sorely-needed tensioning gear, without which the contractors could achieve nothing. Seems as though a couple of holstered M9 sidearms gave both FEMA and the USACE the leverage to 'electrify' Puerto Rico.


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Red Hat Bugzilla – Bug 118143
CAN-2004-0176 Ethereal dissector overflows
Last modified: 2015-03-04 20:13:37 EST
Stefan Esser reported that Ethereal versions 0.10.1 and earlier
contain stack overflows in the IGRP, PGM, Metflow, ISUP, TCAP, or IGAP
dissectors. On a system where Ethereal is being run a remote attacker
could send malicious packets that could cause Ethereal to crash or
execute arbitrary code. The Common Vulnerabilities and Exposures
project (cve.mitre.org) has assigned the name CAN-2004-0176 to this issue.
Treating as embargoed.
CAN-2004-0176 Affects: 2.1AS 2.1ES 2.1WS 2.1AW
CAN-2004-0176 Affects: 3AS 3ES 3WS
no longer embargoed
An errata has been issued which should help the problem described in this bug report.
This report is therefore being closed with a resolution of ERRATA. For more information
on the solution and/or where to find the updated files, please follow the link below. You may reopen
this bug report if the solution does not work for you.


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Lion Class
Ms Phipps – Class Teacher
Ms Purdessy – Teaching Assistant
Mrs Hollist – LSA
Hummingbird Class
Ms Escorial – Class Teacher
Miss Portway – Teaching Assistant
Ms O'Sullivan – LSA
Welcome to Year 2
There are new, exciting learning opportunities this term for Year 2 children. This term, children's learning will incorporate practical aspects of learning combined with the application of new skills taught. We aim to deepen children's learning in all topic areas and promote a positive attitude within.
Children will continue to practice phase 5 and learn to spell with suffixes. The spellings received every Friday will reflect their week's learning. Children will also be encouraged to use their new sounds in speaking and writing. The spelling tests will reflect their learning and we appreciate your continued support to help your child learn these weekly.
Both year 2 classes will judge the frequency of books changed based on their class' needs. Please remember that re-reading books are encouraged to boost your child's confidence, word recognition and improves their fluency. The guided reading sessions, book-based English lessons and one-to-one reading with Year 2 children also form part of their learning in reading. Any support at home is greatly appreciated. We would also like to encourage children to read a range of books at home, including non-fiction and poetry and they are welcomed to share their favourite texts in class. There is also an exciting BOOK READING CHALLENGE this term that the children are very excited about!
This term, children will re-visit their place value knowledge and apply their learning to work out operations (addition, subtraction, multiplication, and division). A wide range of teaching approaches are adopted to support and deepen children's learning.
The additional topics that will be covered are:
- Mass
- Geometry (2D & 3D, Position and Direction)
- Fractions
- Data Handling
- Capacity and Temperature
- Money
This term, children will be working on retelling stories based on the book the 'Cave Baby' and 'Jim and the Beanstalk'. The grammar focus will be on noun phrases and expanded noun phrases. We will also focus on conjunctions (and, or, but) to co-ordinate sentences and conjunctions (because, when, if) to add subordinate clauses.
We will stretch children's learning with sentence types (statements, commands, questions and exclamations) and the related punctuation marks. We will continue to reinforce the use of conjunctions and encourage children to read through and edit their work. Weekly in-class reflections will also enable children to reflect on the progress they make.
This term, children will explore materials and their properties. This topic is practical-based and gives child opportunities to discover their scientific world. We appreciate every parent contribution, support and involvement.
We are excited to introduce children to algorithms, learning about sequencing and de-bugging programmes. Children will have access to multiple computing resources to achieve their learning targets.
Year 2 will be have P.E on Tuesdays and Thursdays. Please ensure that your child has their full P.E kit on both of these days. This term the focus will be on dance, games and multi-skills.
Children are expected to read every day for roughly 20 minutes. Please record this in their reading record every day. If you have any messages relating to your child's reading please feel free to use this as a means of communication ( i.e: Please can I have 2 books sent home over this holiday period).
Homework will reflect their week's learning and include handwriting practice, write-ups and grammar-based activities.
Homework will reflect their week's learning and will include access to MyMaths for children to use at home. Please also support your child for weekly mental maths tests. Please feel free to discuss your child's learning with teachers at the end of the school day.


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Tuesday, November 8, 2011
At last....Fragrances by Tish & Snooky!
Saturday, October 1, 2011
The Vegan Vampyre
The VEGAN VAMPYRE™ is available to you 365 days a year.
(gargoyle not included)
Item #: COL56021
Monday, August 8, 2011
Noteworthy news: Katy Perry and Dip Dye
Thursday, July 21, 2011
NY Times Fashion & Style report: 'Shock Locks' Leave Punk Behind
The article states that colored hair has found its way into the main stream, that it's not just for punks anymore. It is lovely to read how people from all walks of life are expressing themselves through their (MANIC PANIC) hair color.
Celebrity hair stylists say their customers are influenced by performers like "Nicki Minaj, Hayley Williams and Katy Perry, all of whom have gone bright in one fashion or another." Also reported is a trend of streaking and tipping with MANIC PANIC hair color.
Read the full article on the web.
Accompanying the article is a slammin' slide show that is not to be missed!
View the slideshow with even more photos!
Wednesday, July 13, 2011
Pink is for boys!
Tuesday, July 5, 2011
Lady in Blue - Atomic Turquoise!
More stunning work from the CUT Team in Serbia! The Creative Urban Team uses MANIC PANIC Hair Color and cosmetics to create these incredible styles. They write us:
The hair was bleached with AMPLIFIED FLASHLIGHTNING. After washing out the bleach, hair was divided into several sections, and hair dye was applied on each section. Shishalica used 3 bottles of classic cream formula Atomic Turquoise. After leaving it on hair for 30 minutes dye was rinsed and than another 3 bottles of AMPLIFIED Turquoise mixed with very little AMPLIFIED Shocking Blue were applied on hair. After 30 minutes dye was rinsed. Dye had to be applied twice for achieving color intensity and vibrance. Extensions applied on hair were also dyed with same process. After dyeing hair was cut and styled, and there were several hairstylings for this photo shoot created by Milica Shishalica and Marijana Gligic photographer.
We used great Manic Panic make up product to finish up the whole look. Mix of two foundations was used on face:
Dreamtone foundation and Moonlight Dreamtone foundation
Bad Boy Blue - Coffin Dust
Mermaid - Lust Dust
Raven - Spider Liner
Friday, June 17, 2011
Men in Blue
Actor, rocker Jared Leto
King Vernon
Thursday, June 16, 2011
MANIC PANIC® Hair Color is PPD Free!
What you may NOT know is that MANIC PANIC® Hair Color is PPD free.
If you suffer from allergies, this is a huge issue for you.
Read this testimonial from a grateful Dyehard:
"I had been dying my hair for several years with drugstore dyes and at the salon when suddenly, when I turned twenty-one, I developed a pretty severe allergy to PPD and black pigment. If I use permanent dyes containing PPD my ENTIRE BODY (not just the places where the dye touches) bursts into massive clusters of blotchy itchy blistery hives (unsexy). They feel like your entire body is covered in a million mosquito bites! I would NEVER wish this on my worst enemy!
This allergy became a huge pain as I hate my natural colour and my husband LOVED when I dyed my hair black. Enter Manic Panic to the rescue!
Manic Panic is virtually the ONLY dye I can use these days without risking breaking out in hivepocalypse due to dye allergies. I have NEVER had any sort of allergic reaction to it. Manic Panic came to the rescue the day of my wedding on 10/18/10 and my husband was ecstatic to see me walking down the aisle with black hair (Courtesy of Manic Panic's "Raven").
It is by far the easiest dye to work with and lasts WAY longer than the "hypoalergenic" dyes that most health supplement shops tend to sell.. and at nearly half the price!
Thank you Tish & Snooky for keeping my hair as dark as the night sky and my body hive-free!"
- Sarah
Monday, June 6, 2011
Beauty on beauty with foils
Enchanted Forest™, and Ultra™ Violet. After the color was in, I heated the foil wrapped ends with a blow dryer and let sit for 30 minutes. I rinsed with cold water and conditioner. The foil pieces were key. It allowed me to really choose where the color went. Some strands are even two-toned, half pink - half purple. I LOVE the result and it matches my favorite lipsticks!" - Abby, Manic Panic® Dyehard
Thursday, April 21, 2011
Snooky & Tish Perform at Chiller Theater Expo 4/29-5/1
We hope to see you there!
Live Fast and Dye Your Hair!
Snooky & Tish
Tuesday, April 19, 2011
RED Manic Panic Glamour - all over the world!
Hair stylist Milica Shishalica and photographer Marijana Gligic -
The sensational styling team from Serbia - have done it again! This time they have really outdone themselves with a special mix of Manic Panic Colors on hair cut in a stupendous geometric style.The cosmetics used on the model are all Manic Panic.
The CUT Team wrote us: "To achieve color intensity we used 2 jars of Pillarbox Red and one Wildfire. We bleached the hair for 30 minutes to achieve desired lightness so that red dyes could reach their full intensity. After bleach was washed out with water, Shishalica applied mix of red color dyes, which were on hair for 40 minutes, and than rinsed it out.
After dyeing, the hair cutting took place. Shishalica made some geometric and asymmetric hair cuts for this photo shoot. Than she finished with some styling, giving a final shape to hair."
As for the make up:
"We used great Manic Panic make up products to finish up the whole look.
A mix of two foundations were used on face:
•Virgin Dreamtone foundation
•Moonlight Dreamtone foundation
•Flawless Concealer
•Marilyn Red lipstick
•Paris Paris Glam lashes
•Raven-Spider Liner
(click on the product names to learn more)
Friday, April 15, 2011
Blood & Snow, MANIC PANIC Make Up by MoonWitch
The look is called Blood & Snow - by MoonWitch. Watch the video to see the lovely MoonWitch and her makeup expertise!
The Manic Panic products she used were:
Goth White Foundation by Manic Panic
Virgin Pressed Powder White by Manic Panic
Vampire Red Blush/Eyeshadow by Manic Panic
Eyeshadow "Wildfire" by Manic Panic
Spider Liner "Raven" by Manic Panic
And I think you'll all agree that MoonWitch is not only talented makeup artist, but gorgeous as well!
If you've created a YouTube tutorial using Manic Panic products, send it our way! We love seeing your creative uses for our products, and who knows maybe we'll feature you here on our blog!
Thursday, April 14, 2011
Gigantic Salon Size Bottles of AMPLFIED Hair Color on Sale to the Public
You get twice as much in a cool squeeze bottle with a flip up locking cap!
What a great way to keep your color fresh without having to constantly buy the 4oz sizes! Get your friends to pick them up to, and mix and match to make new exciting colors! (Don't forget to send us pics -- we love pics of our Diehards and may even feature you!)
Click on the photo above to take you directly to the order page and get yours before they go!
HUGE Sale on MANIC PANIC Hair Colors and Colorizing Shampoos!
Click on the photo above to take you to the order page.
Items included in sale:
Color Fiend: Temporary Hair Color -- try before you commit!
High Voltage Colorizing Shampoo -- Keep your Manic Panic Color vibrant!
Hair Color Gel -- Same Manic Panic dye in easy to use gel form!
Emily the Strange Amplified Hair Color -- Go for the extreme, amplified colors that really stand out and LAST!
Just enter the code: "mix n' match" when checking out and the discount will be applied when we process your order!
Sale ends June 1, 2011 so order soon for best availability!
Remember: FREE SHIPPING ON ALL ORDERS OVER $50.00!
(within the 48 States of the Continental USA)
What new colors will you choose?
Monday, April 4, 2011
Get RED-dy for a red hot pink purple blue green summer of COLOR!
Can you guess her secret? Only her hairdresser knows for sure!
Stylist to the stars Anthony Leonard from Oribé called us about his client RIHANNA's fantastic spread in the April 2011 issue of Vogue magazine. Mr. Palermo confirms he used several shades of MANIC PANIC Hair Color on the super star. She has her own secret mix of MANIC PANIC colors and not even Tish and Snooky know exactly what that is. One thing is certain: Rihanna has become an icon for her generation and the phones at Manic Panic headquarters are already ringing off the hook with people asking for that Rihanna Red!
We see more and more custom blending and multicolored Manic Panic hair colors than ever before. Why be satisfied with just one color? Why use a color straight from the jar when you can mix your very own custom blend? Check out our April Dyehard of the
Month, Renata. A public school teacher from Minnesota who delights her students with her multi-colored Manic Panic® styles. She even lets them vote on which colors she should do next! (You can see more of Renata on the Manic Panic® website).
In the world of fashion we have some hot news.... model Charlotte Free with pink hair! We were excited to open up the 3/27/11 Sunday edition of the New York Times and see this full color photo of the model proudly (and beautifully, I might add) showing her colors!
Sunday, February 27, 2011
Spring is coming and it's time to DYE!
This year we decided to try something new at MANIC PANIC: we ran a contest for the cover of the 2011 catalog. We posted it on our website and facebook and got loads of replies. It was a very tough decision, but we finally chose the winner (pictured left) with her fantastic MANIC multi-colored long tresses. We received incredible entries from all over the world. How could we not include some them? This year's edition of the MANIC PANIC product catalog is chock full of Dyehards in all their splendor. You can get groovy fashion and hair coloring ideas from the models in the catalog. The catalog is available in CD format just write to firstname.lastname@example.com to request one free of charge.
One of the contestants that immediately caught our eye is the CUT Team (Creative Urban Team) from Serbia. Hairstylist Milica Shishalica and photographer Marijana Gligic work together to create sensational styles using MANIC PANIC Hair Color and Cosmetics. MANIC PANIC is so impressed with these girls (all the way from Serbia!) that we have given them an Artists Sponsorship for 2011 and look forward to seeing more of their work. You can view their page on our site here. Here is one of their models who appears in the 2011 catalog, titled "Purple Rose" (not to be confused with our darling Purple Rose the 86 year old MANIC PANIC dyehard from May 3rd blog LOL).
Tish and Snooky have been busy selecting new cosmetics for Spring and Summer as well as performing regularly. Just last week they played a gig with their punk band the Sic F*cks in New York City and were guest vocalists with the band Blue Coup at a show and live video shoot in upstate New York. Blue Coup just happens to be members of Blue Oyster Cult (Albert Bouchard on drums/vocals, Joe Bouchard on guitar/vocals) and Alice Cooper (Dennis Dunaway on bass/vocals.).They play a heady mixture of Blue Oyster Cult and Alice Cooper. How cool is THAT???? The videos are being edited at this moment. Look forward to seeing clips on manicpanic.com. In the meantime there is a vid on our homepage from the movie "Alone in the Dark" - vintage Tish & Snooky and the Sic F*cks in a major motion picture from the 80's!
Tish and Snooky show their appreciation and enthusiasm other musicians by sponsoring several acts, one notable is Alissa White-Gluz from the metal band The Agonist. Based in Canada, this lovely lady is touring the world and will be doing promotions for Peta and lots of exciting stuff. She appears on our website homepage wearing MANIC PANIC synthetic 18 inch Glam Strips in Virgin™ in the awesome photo below. Did I mention that she is also wearing MANIC PANIC Cosmetics Spider Liner (her fave), Lust Dusts, and After Midnight Blue hair color?
ALSO: I have to say that every time I pick up a magazine I see another superstar sporting MANIC PANIC Hair Color! Rihanna, Lady Gaga, Jared Leto - I LOVE IT I LOVE IT I LOVE IT! We are making the world a more colorful place! Our facebook is bombarded with GORGEOUS photos of Dyehards (see our tagged photos) and every day we get more and more via email. Spring is coming - soon we will see blooms - school will be OUT - IT'S TIME TO DYE!
- xoxoxo Gooby the MANIC PANIC webmistress


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Thursday, March 16th 2017
Daily Reading
On the eve of the lecture-tour of Dr. Barrows in India at the end of 1896, Swami Vivekananda in a letter to the Indian Mirror, Calcutta, introduced the distinguished visitor to his countrymen and advised them to give him a fitting reception. He wrote among other things as follows:
28th October, 1896.
Dr. Barrows was the ablest lieutenant Mr. C. Boney could have selected to carry out successfully his great plan of the Congresses at the World's Fair, and it is now a matter of history how one of these Congresses scored a unique distinction under the leadership of Dr. Barrows.
It was the great courage, untiring industry, unruffled patience, and never-failing courtesy of Dr. Barrows that made the Parliament a grand success.
India, its people, and their thoughts have been brought more prominently before the world than ever before by that wonderful gathering at Chicago, and that national benefit we certainly owe to Dr. Barrows more than to any other man at that meeting.
Moreover, he comes to us in the sacred name of religion, in the name of one of the great teachers of mankind, and I am sure, his exposition of the system of the Prophet of Nazareth would be extremely liberal and elevating.
The Christ-power this man intends to bring to India is not that of the intolerant, dominant superior, with heart full of contempt for everything else but its own self, but that of a brother who craves for a brother's place as a co-worker of the various powers already working in India.
Above all, we must remember that gratitude and hospitality are the peculiar characteristics of Indian humanity; and as such, I would beg my countrymen to behave in such a manner that this stranger from the other side of the globe may find that in the midst of all our misery, our poverty, and degradation, the heart beats as warm as of yore, when the "wealth of Ind" was the proverb of nations and India was the land of the "Aryas"
11th November, 1896.
I shall most probably start on the 16th of December, or may be a day or two later. I go from here to Italy, and after seeing a few places there, join the steamer at Naples. Miss Müller, Mr. and Mrs. Sevier, and a young man called Goodwin are accompanying me. The Seviers are going to settle at Almora. So is Miss Müller.
Sevier was an officer in the Indian army for 5 years. So he knows India a good deal. Miss Müller was a Theosophist who adopted Akshay. Goodwin is an Englishman, through whose shorthand notes it has been possible for the pamphlets to be published.
I arrive at Madras first from Colombo. The other people go their way to Almora. I go from thence direct to Calcutta. I will write you the exact information when I start.
Yours affly.,
PS. The first edition of Rāja-Yoga is sold out, and a second is in the press. India and America are the biggest buyers.
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text:
- Author
E.I. Fried
C.D. van Borkulo
A.O.J. Cramer
L. Boschloo
R.A. Schoevers
D. Borsboom
- Date
- 1-2017
- Title
- Mental disorders as networks of problems
- Subtitle
- a review of recent insights
- Journal
- Social Psychiatry and Psychiatric Epidemiology
- Volume | Issue number
- 52 | 1
- Pages (from-to)
- 1-10
- Document type
- Review article
- Faculty
- Faculty of Social and Behavioural Sciences (FMG)
- Institute
- Psychology Research Institute (PsyRes)
- Abstract
Purpose: The network perspective on psychopathology understands mental disorders as complex networks of interacting symptoms. Despite its recent debut, with conceptual foundations in 2008 and empirical foundations in 2010, the framework has received considerable attention and recognition in the last years.
Methods: This paper provides a review of all empirical network studies published between 2010 and 2016 and discusses them according to three main themes: comorbidity, prediction, and clinical intervention.
Results: Pertaining to comorbidity, the network approach provides a powerful new framework to explain why certain disorders may co-occur more often than others. For prediction, studies have consistently found that symptom networks of people with mental disorders show different characteristics than that of healthy individuals, and preliminary evidence suggests that networks of healthy people show early warning signals before shifting into disordered states. For intervention, centrality—a metric that measures how connected and clinically relevant a symptom is in a network—is the most commonly studied topic, and numerous studies have suggested that targeting the most central symptoms may offer novel therapeutic strategies.
Conclusions: We sketch future directions for the network approach pertaining to both clinical and methodological research, and conclude that network analysis has yielded important insights and may provide an important inroad towards personalized medicine by investigating the network structures of individual patients.
- go to publisher's site
- Other links
- Link to publication in Scopus
- Language
- English
- Note
- With supplementary material online
- Permalink
- http://hdl.handle.net/11245.1/30676495-4a04-4bf9-8793-bd036afd3dc7
- Downloads
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If you believe that digital publication of certain material infringes any of your rights or (privacy) interests, please let the Library know, stating your reasons. In case of a legitimate complaint, the Library will make the material inaccessible and/or remove it from the website. Please Ask the Library, or send a letter to: Library of the University of Amsterdam, Secretariat, Singel 425, 1012 WP Amsterdam, The Netherlands. You will be contacted as soon as possible.


text:
Catherine "Kate" McGill, 100
Catherine "Kate" McGill, 100, of St. Marys, formerly of Piqua, passed away at 10:56 p.m. Monday, June 23, 2014, at St. Marys Living Center.
She was born on Aug. 29, 1913, in Piqua, to the late Joseph and Frances (Zahringer) Hirschbolz.
On June 9, 1938, at St. Boniface Catholic Church in Piqua, she married Johnny L. McGill. He preceded her in death on Feb. 27, 1993.
Catherine is survived by nieces Anna English, Barbara Aldredge and Claudia Regnier and special friends Jo, Janet and Judy, who were always there for her.
She was preceded in death by two infant daughters, two brothers and four sisters.
The family would like to extend a special thanks to the staff at St. Marys Living Center for their years of care.
A Mass of Christian Burial will take place at 1 p.m. today at St. Boniface Catholic Church, Piqua, the Rev. Angelo Caserta and the Rev. Thomas Bolte officiant.
Burial will follow in Forest Hill Cemetery, Piqua.
Friends called from 11:30 a.m. to 12:30 p.m. today at Melcher-Sowers Funeral Home in Piqua.
Memorial contributions may be made to St. Boniface Catholic Church, 310 S. Downing St., Piqua, OH, 45356.
Condolences may be expressed to the family at Melcher-Sowers.com.


text: There's no doubt that designer Alessandro Michele caused a real buzz when legendary Italian luxury label Gucci named him its creative director, following the departure of Frida Giannini. In these last seasons, Michele proved an intriguing aesthetic, made of rich colors, romantic elements, dandyish touches and a geeky-chic attitude. For the fall/winter 2016 season, the designer continues to develop his signature sense of style, playing with contrasting elements and references, building up this way a playful offering, where ultra sophisticated sartorial looks are mixed with cartoon prints, vintage-inspired patterns and other beautiful motifs, which add to the garments an almost dreamy allure.


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An inexperienced Indian side managed to pull off a 2-1 upset over World No.4 the Netherlands through goals from Gurjant Singh and Mandeep Singh. The Indian team was led by Manpreet Singh and featured nine players from the junior team and Manpreet couldn't hide his joy at the result.
India started the game on the offensive as they put pressure on the hosts. It paid dividends as they drew first blood through a penalty corner awarded in the fourth minute. Though Varun Kumar's drag flick was padded away by the Dutch keeper, Gurjant Singh was quick to pick up the rebound and work his reverse stick magic to put the ball high up into the net and score his first international goal for the men's side.
And the early goal allowed India to continue on the offensive as they ventured into the striking circle at will and Armaan Qureshi was only a whisker away from doubling India's lead with a shot that went just wide. The sides went into the second-quarter with India still holding the early goal advantage, but as expected the home side come out strong in the second quarter, winning a penalty corner in the early stages. However, the flick was brilliantly saved by Indian goalkeeper Akash Chikte. And that set the tone for the Dutch to go all out in their quest for an equaliser as they put more pressure on the Indian defence with three more penalty corners, but they could not make the opportunities count with Chikte staying up to the challenge.
With a 1-0 lead, the third quarter saw the Netherlands make desperate attempts to come back into the game but India absorbed the pressure well, only to execute a stronger defensive structure that kept the Dutch from scoring.
The final quarter saw India increase their intensity in attack with Gurjant winning a PC, but it was saved. But the very next minute Sumit won another penalty corner for India for which they tried a different variation and it did the trick as Mandeep deflected the ball high into the net to double India's advantage.
Soon after, the Dutch won a PC but debutant goalkeeper Suraj Karkera was up to the task to defend. With final three minutes remaining, Dutch forwards made three strong shots on goal but an alert Karkera kept them from converting. However, Sander de Wijn, through a PC, scored in the 58th minute but that didn't stop India from walking away with a 2-1 win. The result also meant that India swept the 2 match series 2-0.
Speaking after the win an elated Manpreet said, "I think we played well in all departments to win against the Netherlands. They are a very experienced team with more than eight players with over 100 International Caps. So, to beat them we had to come up with something special," reported TOI.
"I am very happy with the way the entire team performed as one unit especially the players making their debut. They showed no sign of nervousness and played with a lot of confidence," he added.
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Jean-Michel Basquiat was an American artist, musician, and producer. He first achieved notoriety as part of SAMO, an informal graffiti group who wrote enigmatic epigrams in the cultural hotbed of the … Enjoy Jean Michel Basquiat's best quotes below.
"I start a picture and I finish it."
"The black person is the protagonist in most of my paintings. I realized that I didn't see many paintings with black people in them."
"I don't think about art when I'm working. I try to think about life."
"Since I was seventeen I thought I might be a star. I'd think about all my heroes, Charlie Parker, Jimi Hendrix… I had a romantic feeling about how these people became famous."
"Believe it or not, I can actually draw."
"Occasionally, when I get mad at a woman, I'll do some great, awful painting about her."
"The country makes me more paranoid, you know? I think the crazy people out there are little crazier."
"There are about 30 words around you all the time, like 'thread' or 'exit.'"
"I don't listen to what art critics say. I don't know anybody who needs a critic to find out what art is."
"I was a really lousy artist as a kid. Too abstract expressionist; or I'd draw a big ram's head, really messy. I'd never win painting contests. I remember losing to a guy who did a perfect Spiderman."
"I am not a black artist, I am an artist."
"I thought I was going to be a bum the rest of my life."
"I like kids' work more than work by real artists any day."
"The more I paint the more I like everything."
"I had some money, I made the best paintings ever. I was completely reclusive, worked a lot, took a lot of drugs. I was awful to people."
"I wanted to build up a name for myself."
"I have a painting where somebody's holding a chicken, and underneath the chicken is somebody's head."
"I wanted to be a star, not a gallery mascot."
"I wanted to be a cartoonist when I was young."
"If I'm away from painting for a week, I get bored."
"My favorite Twombly is 'Apollo and the Artist,' with the big 'Apollo' written across it."


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INDIANAPOLIS, Ind. – The 56-team field for the NCAA Division III Baseball Tournament has been announced and the Susquehanna baseball team will travel to PNC Field in Moosic, Pa. on May 14-18 in the regional round. SU will face Keystone on Wednesday at 4:30 p.m. Misericordia will serve as the host institution.
The Crusaders will be joined by fellow Landmark Conference opponent Moravian in addition to Rowan, Baldwin Wallace, Misericordia, Keystone, Wesleyan (Conn.) and Haverford. SU defeated Moravian one week ago to capture its first-ever Landmark Conference title and earn an automatic bid to the NCAA Tournament.
Two teams in Susquehanna's region are nationally ranked in No. 6 Rowan and No. 22/24 Moravian. The Crusaders are ranked seventh in the Mid-Atlantic Region poll with Misericordia eighth.
Six teams will compete at four regional sites and eight teams will compete at four regional sites. All regionals will use a double-elimination format. Winners of the eight regional tournaments will qualify for the double-elimination championship at Fox Cities Stadium in Appleton, Wisc., May 23-27.
The full release of regional teams can be found here.


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Do you want to know the secret of Christian living? How can some people live according to the will of God? The fact is no one can live up to the high standards. But would you rather lower the expectations … Continue reading
May 18, 2018
by Mari-Anna Stålnacke @flowingfaith
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Music Student Series 3 : Metronome, how to use it..
Ilse Lozoya, Music teacher and Online Educator
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Types of Metronome2:41
Tempo Markings4:53
About This Class
Learn what the metronome is and how to use it in your benefit. Stop struggling with the helpful device and improve your playing. In this class you are going to learn how to include the metronome in your daily study routine. You will know the tempo markings to know the best way to approach any musical piece or exercise that you want to play.
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An interesting class about metronomes and their uses.
Neil and Linda Shearing ☑
InternetSuccess.com . Marketing online since 1997!
Hello Skillshare community!!
My name is Ilse Lozoya I am a pianist and educator, I love to teach online because I can share about music, piano, and education with student around the globe and I think this a wonderful thing in our days, in the upper part of my profile I share a You Tube video where I play one of my favorite songs, a Spanish piece called "Ritual Dance of Fire" composed by Manuel de Falla.
My Skillshare classes are dedicated to music studen...


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Angels On The Moon by Thriving Ivory
Song Information
"Angels on the Moon" is a single written by Scott Jason and Clayton Stroope and released on March 4, 2008 by Thriving Ivory. It was the lead single from the re-release of the group's self-titled album, released on Wind-Up Records. The song was used on the debut of VH1's Scream Queens. The song was inspired by the September 11 attacks and there are many references to the city of New York in the song. Songwriter and keyboardist Scott Jason told Songfacts that "Angels on the Moon" was also inspired by the U2 song "Where The Streets Have No Name". The line, "Don't tell me if I'm dying, `cause I don't want to know" is a way of saying that life should be lived to the fullest, because a person's time on earth is unknown and if tomorrow never comes, there will be no regrets. The video begins with the band performing at various part of San Francisco while getting faded and some scenes performing together in an alley and it ends with lead singer Clayton Stroope walking and singing. The video was released on June 2, 2008 and was directed by Christopher Sims. Show video tutorial!
About the Artist
Thriving Ivory is a five-member American rock band who originated in Santa Barbara, California, California before relocating to San Francisco, California. They released their self-titled Wind-up Records debut album on June 24, 2008 and are currently featured on VH1's You Oughta Know, which showcases artists on the rise. The debut album hit #1 on the Billboard Heatseekers chart. on the strength of the charting single "Angels on the Moon". The band was also been chosen for the Yahoo! Music: Who's Next? User's Choice Competition. They were up against 3 other artists, including We The Kings, Shwayze, and Mandi Perkins. The contest launched August 14, 2008. Thriving Ivory released a video for their single "Angels on the Moon" on June 2, 2008. You can view it on their YouTube Channel - http://www.youtube.com/thrivingivoryvideo. The video was also featured as an iTunes Music Video of the Week for the week of 12/30/2008.


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Words that end in gacin
Found 1 words that end in gacin. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words that end with gacin. Or use our Unscramble word solver to find your best possible play! Related: Words containing gacin
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TEL AVIV – Billions of dollars in aid money to the Palestinian Authority (PA) are being used to fund terrorism against Israel, the Israeli Deputy Foreign Minister claimed in an oped for The Wall Street Journal on Monday.
"Large amounts of foreign aid to the Palestinians are spent to support terrorists and deepen hostility," Tzipi Hotovely wrote in the oped.
Citing one example of the PA's generous stipends to the families of convicted terrorists, amounting to 16% — or some $75 million — of its annual foreign donations, Hotovely called upon the international community to re-examine its "bizarre tolerance" for the Palestinian's "patently unacceptable conduct."
"The Palestinian regime in Ramallah pays monthly stipends of between $400 and $3,500 to terrorists and their families, the latter of which is more than five times the average monthly salary of a Palestinian worker," Hotovely wrote.
The Deputy Foreign Minister added that in the ten years following the Oslo Accords in 1993, $21.7 billion in aid was funnelled to the PA, yet curiously, there were no demands for transparency on the part of donors and neither is there any way of tracking where all the money is going.
International aid to the Palestinians, which made up a quarter of the PA's budget in 2012, is far and away the highest per capita in the world, dwarfing countries with much larger populations that are in greater need of assistance, including Syria, Sudan, Afghanistan, and Somalia.
"In other words, though the Palestinians are more than twice as wealthy on average than these eight countries, they receive more than 11 times as much foreign aid per person," Hotovely wrote.
She blasted the PA for failing to use the money to ameliorate the suffering of Palestinians and deliberately maintaining their status as destitute refugees whose only purpose is "to stoke animosity toward Israel."
"The Palestinian leadership has had ample opportunity to use these funds for economic and social development. Tragically, as seen in Hamas-run Gaza, it prefers to use the funds on its terrorist infrastructure and weaponry, such as cross-border attack tunnels and the thousands of missiles that have rained down in recent years on Israel."


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Synopsis: Seventeen-year-old Lennie Walker, bookworm and band geek, plays second clarinet and spends her time tucked safely and happily in the shadow of her fiery older sister, Bailey. But when Bailey dies abruptly, Lennie is catapulted to center stage of her own life – and, despite her nonexistent history with boys, suddenly finds herself struggling to balance two. Toby was Bailey's boyfriend; his grief mirrors Lennie's own. Joe is the new boy in town, a transplant from Paris whose nearly magical grin is matched only by his musical talent. For Lennie, they're the sun and the moon; one boy takes her out of her sorrow, the other comforts her in it. But just like their celestial counterparts, they can't collide without the whole wide world exploding.
This is the first book I have read by Jandy Nelson and I can now say I'm a fan of her work! Jandy has an incredible gift of making her readers feel the emotions that the characters are going through. With beautiful writing and wonderful characters, you'll be sure to fall in love with this book!
Throughout the book, we follow Lennie, a band geek and bookworm, as she grieves her sister's sudden death. A major part of Lennie's grieving is her constant attraction to every guy. As we follow Lennie's emotional journey, we learn about her family members' struggles as well.
During the story, Lennie begins to obtain an attraction towards her sisters boyfriend, Toby. As her and Toby begin to have a secret relationship, Lenny feels less secure around Toby and more guilty because of her feelings towards her dead sister's boyfriend. Along the way, Lennie also meets Joe, the dreamy band geek that most girls want. Joe begins to pursue Lennie and she begins to feel the same way. When facing the attraction of two guys, Lennie is enduring a confusing situation.
I shipped Joe and Lennie to a massive extent! They were the perfect dorky couple! I couldn't help the cringe on my face when Lennie would go see Toby. Mostly I felt annoyed by Toby because he knew how messed up it was for him to pursue Lennie but he continued to do it. There was even a time when Lennie told him it was not right but he still came back. Despite that, there were a few times when I felt conflicted towards both boys.
Despite my disliking of love triangles, Jandy made the triangle less irritating. Overall, it was an incredible read filled with emotion! I look forward to reading more of her books because I enjoy her writing style.


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Woodland Hills Golf & Country Club
2 Clubhouse Dr., Pinson, TN 38366; (731) 988-5311
Located just off Highway 45 South of Jackson, Woodland Hills Golf & Country Club was designed by Bobby J. Martin and features 6,390 yards of golf from the longest tees for a par of 72. The course rating is 70.8 and it has a slope rating of 125 on Bent grass.
Shiloh Golf Course & Restaurant
2915 Caney Branch Rd., Adamsville, TN 38310-5027; (731) 632-0678; Fax: (731) 632-0856; Web Site: www.shilohgolf.com
18 Holes, par 71. Driving range, full line golf shop and restaurant on site. Total yardage: 6,418 (ladies distance: 4,650). Bent Grass Greens, Bermuda Fairways. USGA rating 69.9, slope rating 115. Open daily except Thanksgiving & Christmas. Summer Weekdays 8 a.m. until dark, weekends 6:30 a.m. until dark; Winter Weekdays 9 a.m. until dark, weekends 8 a.m. until dark.
Pickwick Landing State Park Golf Course
Hwy. 57 at Pickwick Dam, Shiloh, TN 38376; (731) 689-3149 or (800) 250-8615
Golf Digest has awarded this facility "Three Stars" in the Places to Play category. Hole #2, a tight dogleg right Par 4, 396 yards, is the Signature Hole with out of bounds protecting the entire right side of the fairway. Driving Range, Practice Green, On Site Lodging, Snack Bar, Club Rental. Lessons Available. Tee times required 7 days a week. Open daily, closed on Christmas Day.
Chickasaw Golf Course
9555 State Route 100, Henderson, TN 38340; (731) 989-3111; E-mail: email@example.com; Web Site:www.golfatchickasaw.com
Challenging, exciting, rewarding, peaceful and tranquil are just a few of the words that can be used to describe this remarkable 18-hole golf course with newly renovated greens. A Jack Nicklaus Signature Golf Course, this heavily wooded 7,118-yard, par 72 layout provides a scenic and challenging round for players of every skill level. Open daily. Private and corporate outings available.
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Tips for your Perfect Engagement Session
So you've booked your photographer and all the details for your wedding are starting to fall into place. Time to get your engagement session on the books!
Enagagement sessions are the perfect way to get comfortable in front of the camera, and also get some beautiful pictures of the two of you. A great way to use these photos is for your save the date cards, invites, and display them at your wedding.
Here are a few of my top tips to help your engagement session run smoothly and capture those perfect pictures you've been dreaming about!
This is going to sounds bit cheesy, but I think of every portrait as a recipe- it needs some basic, quality ingredients to create something yummy! Here is my list of those top 4 ingredients/tips:
1. Good Location- this is something I decide on with the help of my clients. I have a handful of go-to locations that I use often, but I always love to see you new spots! If you have close family or friends with land, open fields, old barns, etc. that can be a great place to start. Pick a location that fits your style and personality.
2. Beautiful Light- Portraits are all about light, and light can bring out your best qualities, or your worst. It's not just about a correct exposure, it's about the quality and direction of light. Leave this up to your photographer, but be ready to stand or move to spots that you don't necessarily see the potential for. Believe me, they see something you don't. I love to make the light dance behind my clients. They may not notice it at the time, but they see it in their images.
3. Wardrobe. Planning outfits can be a challenge. Pinterest is a great place to get inspiration for colors and textures. Dress for the season we are in. Summer- wear a cute dress and heals. Fall/Winter- bundle up with scarves and boots. Do add pops of bold colors, but nothing fluorescent, ever. Earth tones are soft and pretty too! Wear things that compliment you; your skin, your hair, your eyes. This is always a good excuse to go shopping ;)
Bring an outfit change. One Dressy outfit and one casual outfit are perfect. You can bring more, but do you really want to spend all your session time changing clothes?
This is also the perfect day to schedule your trial makeup run for your wedding. Professional makeup can help your photos so much! Here are links to a few of my favorite local MUA's:
4. Emotion!!! This is SO IMPORTANT!! This can make or break your photos- We can put you in beautiful light, in a breathtaking setting, dressed impeccably, but if there is no emotion, there is no flavor. Be ready to be silly, flirty, and romantic with your fiancé! Have fun!! This is such an incredibly special time in your lives, and it goes fast! enjoy it!! Don't be afraid to laugh together, dance, or even sing! Whatever it is to make it your own!
Side note/Heads up- To start out, posing is going to feel completely unnatural- yep, that's right it's not always comfortable to be infront of the camera, especial if it's not something that you're used to. It WILL fell uncomfortable, and unnatural, atleast at first. But be ready to just go with it! knowing that as we work together to figure out how the two of you pose and interact best, it will become easier, and by the end of the session you will be posing like pro's!
Well, there you have my it, my favorite engagement session "recipe ingredients". I hope this was helpful and you love every minute of your photos!
Keywords: Idaho, Idaho engagement photographer, Lisa Wise Photography, Photography, Spokane Wedding Photographer, Spokane Wedding Photography, Wedding, engagement photos
Great info and photos!
The images that you chose for this are BEAUTIFUL!! Wonderful work and advice!
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Microfinance has been a controversial development initiative in India that has attempted to alleviate poverty since the turn of the century. It is a practice that allows for individuals that are impoverished to obtain small monetary loans that would otherwise be unattainable. By looking at a case study and research done by individuals, a greater sense of knowledge can be gained about the discourse of microfinance as a tool for development. As an industry, microfinance has grown significantly in India, but led to an economic bubble that was bound to burst. In 2011, there was a financial crisis in the microfinance sector due to the model of lending and borrowing that was practiced. In addition, by analyzing the crash and other criticisms of microfinance, it is possible to propose further research on microfinance. In this presentation, we will propose three experiments to obtain information on the microfinance institutions' (MFIs) effectiveness in reducing poverty in India and find possible solutions so that it can be used as a sustainable development tool to increase economic output but also to alleviate poverty in India's poorest citizens.
Research Proposal
Importance of Microfinance as a Development tool
Earlier Work: History and Effects of Microfinance
Muhammad Yunus is the founder microfinance.
Goal --> to help the poor in his country escape the deepening pit of poverty
Provide loans that would otherwise be unavailable to them.
Ensure the loans are suitable to the individual
Teach sound financial practices so clients can help themselves
He determined that with small amount of money, personal initiative and entrepreneurship will spark and pull the poor out of poverty ("Muhammad").
Experiment 3
Will survey
One thousand micro-financial borrowers from FOR-profit MFIs
One thousand micro-financial borrowers from NON-profit MFIs
Compare the impacts of non-profit and for-profit microfinance institutions.
Experiment 2
Experiment 1
Research Question:
What are the most essential components of microfinance to improve borrower success?
Experimental Procedure
We will conduct three experiments to isolate specific components of microfinance.
The target groups in all experiments will be surveyed by field researchers and data will be gathered from the MFIs being observed.
All experiments will take place in Andhra Pradesh, India and will run for 5 years. Target groups will be surveyed regarding financial statuses, income, happiness, and growth of business. Basic information will also be recorded, including number of people in the household, age, gender, assets, literacy status, and business/occupation.
What is Microfinance?
Will survey
One thousand microfinance borrowers
One thousand individuals who are not borrowing loans
The two thousand borrowers will be of similar economic status.
Determine whether or not microfinance is addressing the critical need of poverty in India
Will survey
One thousand borrowers from for-profit MFIs
One thousand borrowers from for-profit MFIs except they will have the following changes made to their borrowing system:
Implement international personal loan supplements to increase the size of loans.
Establish a ceiling cap on interest rates for emerging entrepreneurs
Create a reward system for entrepreneurs who employ workers, offering higher loan sizes and lower interest rates.
Assess the effectiveness of microfinance currently and microfinance after implemented changes
What is the Critical Need?
Poverty in India is a central problem that oppresses a large majority of the population ("Rural").
More than 300 million people in India are in poverty which compares to the entire population of the United States ("India: Achievements")
World Bank's measurement of poverty
The international poverty line = US $1.25 per day
World Bank stated 32.7% of the total people in India were living in poverty in 2010
Why is it an Important Undertaking?
It can be used as a development tool to not only increase economic output of the country, but also to reduce the poverty so we need to determine which aspects are working and which are not.
Thousands of MFIs that raised capital in India took loans from Indian and foreign banks. The collateral was the assurance that the women borrowers had a high repayment rate more than 95 percent. This created a 'chain' of debt that was bound to break at any sign of uncertainty in the markets. In 2011 the microfinance industry saw a crash similar to the sub-prime mortgage crisis of 2008/2009 in the United States (Wichterich).
To avoid future crashes and to answer the question whether or not microfinance is a sustainable tool for development, our research will identify which components are working and which are not. We will also study the effects of microfinance in our research.
Previous Work: History
Why is further research is important?
According to Shetty and Veerashekhrappa, "In 2003, 80 million clients across the world were being financially included by approximately 2,900 such institutions. India's share in the global microfinance market in 2003 was 13% of all clients and 16% of the poorest clients"(as cited in Shetty and Veerashekharappa 7) It has the potential to alleviate poverty.
SKS Microfinance switched from a non-profit to a for-profit through its going public on the stock market. Does going for-profit benefit the borrower?
Impact of Microfinance
What are the Microeconomic Effects on Borrowers?
Case Study of SKS Microfinance:
Research has found that of the borrowers of SKS loans 95 percent are considered very poor (Akula 97).
On average the clients of SKS Microfinance are no longer considered very poor at the end of the study
The average per capita annual income for borrowers went from $113 to $150 when $133 is considered very poor (Akula 100).
Microfinance is the provision of loans for the poor (primarily women) for poverty alleviation; these loans are lent through a joint-liability model due to the poor having an inherent lack of collateral to provide for traditional loans (Akula 4).
The loan sizes from microfinance institutions are generally very small in comparison to commercial bank loans, hence the name "micro"loans.
It is common for the money to be used in an irresponsible manner.
According to Sinclair, "The benefits of the loan quickly disappear, but the debt remains, accumulating interest at an alarming rate, often encouraging the client to obtain another loan elsewhere to meet the repayments…" (Sinclair 5).
According to Wichterich, "… in only 9 percent of all cases did it really improve their economic situation in the long term" (Wicherich 410).
Microfinance does not help farmers.
Requires regular payments but farmers usually get only money when they harvest
Microfinance in India: Rethinking Finance and Development
Noah Kirschbaum
Danny Linggonegoro
Andrew Sherer
Richard Su
...to Acting Locally
From Thinking Globally...
Impact and Benefits of our Research Project
By identifying what are the most essential components of microfinance, we can improve the breadth and the depth of microfinance as a tool to alleviate poverty in India.
Once we isolate these components, we can offer our results to microfinance institutions to further the discourse of microfinance around the world so effective poverty alleviation is widespread.
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Microfinance in India: Rethinking finance and development
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Is it me or does it feel like there is a conspiracy to kill one's joy going on around us? Sad news just seems to abound. To stay above it all, I keep saying to myself, over and over "My Jesus, you are my Joy and you are Bigger".
Functional Depression. That's what I call what has ailed me at different times in my life. Especially in my late 30s and early 40s. Now, I recognize the warning signs better and snuff them out before I am consumed.
Functional Depression, according to Salt, is the kind where on the inside you are in a dark place but on the outside you are all smiles and brightness. You can still do life and those around you have no clue because you are still functioning.
If you've read any of my Diaries of a DNW and were paying attention, you'd have caught some shards of those times.
What's funny is that until recently, I didn't even know that what I was going through was depression. I just thought I was really sad about some aspects of my life and just wanted to deal with it in a dark place all by myself. Sometimes I would pray. Sometimes I would not.
But always I would write. Always, I would play inspirational music. Loud. Ask my children, they will recall a time when CeeCee Winans "Waging War" was on repeat play all day and all night in my bedroom. Because I was waging war for my life and my mind. They thought I was just being "Mommy". 😊
And that's another thing. My children. God's gift to an undeserving me. No matter how dark the moods. No matter how crazy the self-defeating and destructive thoughts, they have never been able to trump the wonder of me being mom to these three wonders of my life. The gratitude I feel in my heart eventually begins to poke holes in the arguments of the taunting voices.
What am I trying to say here? Please in this life you need to have hooks. Yes, hooks. So Jesus Christ is my spiritual hook but my writing, my music, my children and my MGM (when he's not being the cause of my stress himself *rolling eyes while smiling*
They are my sensory hooks. There has to be something or someone that 'anchors' your sanity to the ground. Something or someone that calls your name louder than the voices in your head can scream.
I love God with all my heart. I'm thankful to him for giving me my hooks. It doesn't diminish my dependence on him in anyway. On the contrary, through them, by giving them to me I see how much he cares for me and loves me. And when I remember that, the fog begins to clear.
If there is anyone in this family that EVER needs someone to talk to, reach out to me. Being depressed is not a sin. So don't be ashamed or shy. I'm not an expert but together we can talk, pray and best of all try to find your hooks. If you need more than I can offer, we can find someone with the right skills for you. Please none of us, no one we know ..... Should become a statistic for research on depression. Please.
Stay lifted above it all my people!
And now more than ever, let's hold fast to our Saltiness❤.
Love you but God loves you way more.
PapaGod, please breath over this post so it communicates my heart. Or better still, let it communicate your heart. In Jesus Christ name. Amen.
(So after I posted the above on my Salt Talks Whatsapp and Facebook pages, I got a number of inbox messages and DMs asking me to explain this my 'Hooks' theory. Here was my post in response)
Please, I'm not a Shrink.
I don't have a single 'kpali'.
This is purely Salt speak. Based on my 48 almost 49 year old reality.
Don't quote me. But it works for me.
Sensory Hooks" are people or things that you see, hear, do, taste or touch/feel that give you so much pleasure or lift you so high that the lies of the devil become laughable. Inconsequential. Nonsense. Nothing.
Think about and figure out what your own hooks are. It's important. Vital.
Jesus Christ IS Lord of our lives. He is Real but we can't see him. (I can't or haven't at least). So, sometimes, I think we need GodGiven and GodApproved things our five senses can relate to. People we love, things that bring us as much joy as our salvation in Jesus Christ does. Just more tangible.
We need such in our lives to shut down those voices in our head. To negate the darkness. To give us hope. You know?
But like I said, don't quote me.
All I know is my "hooks" help me.
Take a moment and think of what you own hooks might be and then the next time that cloud tries to settle over you, think about or action one of them and see.....
I await your feedback.
|Ah, forgot to mention. Yellow is one of my 'Hooks' too.
It's my new black. I wear it in some form every day. To say afloat.