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Stoptech Racing STR 600 High Performance Brake Fluid
Stoptech Racing STR 600 High Performance Brake Fluid is the brake fluid upgrade over stock fluid that is ideal for a range of driving that includes; commuting, towing, high performance and track-day sessions. Compatible with DOT 3 and DOT 4 brake fluids for a top-up or you can order 3 cans for a complete flush.
- $16.96
Brembo Sport 500+ Brake Fluid for 1947 GMC FC281 Base
- $15.02
Brembo Sport 500+ Brake Fluid
Brembo Sport 500 Fluid is 520°F rated and ideal for the driver who is sometimes in performance driving situations and occasionally runs timed track events.
- $15.02
Brembo Sport 500 Brake Fluid is recommended for high performance vehicles, including vehicles with ABS.
Each brake fluid container holds 250ML and ordering 5-6 bottles is recommended for complete flush.
EBC DOT-4 Brake Fluid 1 Litre for 1947 GMC FC281 Base
EBC Brakes
- $14.67
EBC DOT-4 Brake Fluid 1 Litre
EBC Brakes
Typical dry boiling point – 270°C (518°F). Typical wet boiling point – 170°C (338°F)
- $14.67
NOT SUITABLE FOR USE WITH MINERAL OIL SYSTEMS. If in doubt consult vehicle handbook.
This product conforms to and exceeds the current international specifications U.S. FMVSS No.116 DOT 4 & DOT 3, SAE J1703 & J1704 and ISO 4925 (Classes 3 & 4).
Stoptech Racing STR 660 Ultra Performance Brake Fluid
If you're running track events or otherwise drive on the extreme side, StopTech STR-660 Ultra Performance Race Brake Fluid prevents brake fluid boiling and loss of efficiency. The best rated racing grade brake fluid maintains viscosity, lubricating properties and non-compressibility while offering protection from the punishing world of high performance motoring.
- $27.93
Brembo LCF600+ Racing Brake Fluid
Brake fluid engineered specifically and exclusively for racing use, Brembo's Racing LCF 600 plus has been specifically formulated to provide the highest performance under all racing conditions and comes in 500ml bottle.
- $23.02
With a typical dry boiling point of 312°C (593°F), this Brembo racing brake fluid has a low compressibility, meaning brake pedal pressure input gets effectively transferred full force to the brake calipers for maximum squeeze.
Motul Brake Fluid 5.1 for 1947 GMC FC281 Base
- $10.47
Motul Brake Fluid 5.1
MOTUL DOT 5.1 Performance Brake Fluid is ideal when building or preparing high performance and temperature capable brake systems. Top Crew Chiefs and high performance expert drivers trust Motul to keep their brake hydraulics at optimum pressures, viscosity and temperature range. 500ML (1/2 liter bottles, recommend 3 for complete flush).
- $10.47
This Motul Brake Fluid is ABS compatible, features a high dry boiling point of 270°C/518°F and a high wet boiling point of 185°C/365°F.
Special long-life formula is superior to DOT 4 and DOT 3 fluids enables to use this product longer.
EBC Highly Refined Dot 4 Racing Brake Fluid - 1 Liter
EBC Brakes
Typical dry boiling point – 310°C (590°F). Typical wet boiling point – 204°C (399°F)
- $34.25
NOT SUITABLE FOR USE WITH MINERAL OIL SYSTEMS. If in doubt consult vehicle handbook.
This product conforms to and exceeds the current specification U.S. FMVSS No.116 DOT 4.


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Used 2014 ChevroletEquinox LT w/1LT SUV
- Stock: 618
Chevrolet Equinox
Highlighted Features
- Emergency communication system
- Wireless phone connectivity
- Exterior parking camera rear
- Split folding rear seat
- Perimeter/approach lights
- Remote keyless entry
- Steering wheel mounted audio controls
- Rear window wiper
KBB.com Consumer Reviews
- 5.0
This vehicle in the AWD set up is excellent
By WV golfer on Monday, December 05, 2016Overall excellent; no defects and handles super in the AWD configuration; would prefer the 6 cyl for our WV hills
- 5.0
Roomy, Sporty, Smooth and Fast
By Big Guy on Thursday, June 22, 2017We were looking for a vehicle for my wife to use around town but one that I could drive if need be; we tested 5 other models and picked the Equinox LTZ. Im 6 feet 5 inches tall and 275 pounds and easily fit in this vehicle. Even with the driver seat all the way back there is still plenty of leg room for the back passenger. The 6 cylinder is very responsive, smooth and quiet; you cannot feel the transmission shifting from gear to gear. The LTZ looks more expensive than what we paid for it and considering all of the high-tech gadgetry in the vehicle we feel the Equinox was a great buy. Love the OnStar feature, once you use it you have to have it. My wife really likes all of the safety features (back up camera, lane change warning, vehicle approaching, etc.)...the leather in this vehicle is great looking and I particularly like the red baseball stitching around the seats. Just something to set it apart. Overall a great vehicle. Will purchase again.
- 5.0
Great driving car
By Paul on Wednesday, August 21, 2019Handles well on curves and hills. Only needed oil changes, never any other issues. Well made Chevy product.
* The advertised price does not include sales tax, vehicle registration fees, other fees required by law, finance charges and any documentation charges. A negotiable administration fee, up to $115, may be added to the price of the vehicle.
* Images, prices, and options shown, including vehicle color, trim, options, pricing and other specifications are subject to availability, incentive offerings, current pricing and credit worthiness.
New Arrivals
2014 Ford F-150 Truck SuperCre…
- Please Call
- Truck SuperCrew Cab
- Gray Exterior
- 5.0L V-8 cyl Engine

subset: commoncrawl


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New England Revolution 0, Chicago Fire 1 | MLS Match Recap
FOXBOROUGH, Mass. – An early goal and a big save late propelled Chicago to a 1-0 victory over the New England Revolution at Gillette Stadium on Saturday night.
The win was the second straight for the Fire, who improve to 3-4-10 on the season, while New England dropped their fifth straight game to fall to 7-8-2.
It didn't take long for the Fire to ignite, sparked by a Jeff Larentowicz interception just before midfield that found the feet of Mike Magee.
With a quick turn Magee sent a pass up over the Revolution back line and into the box, where Quincy Amarikwa, who missed the Fire's last game due to a yellow card accumulation, picked up the ball. He muscled out Andrew Farrell and right-footed a shot past Bobby Shuttleworth, giving Chicago a 1-0 lead in the third minute.
It was Amarikwa's sixth goal in league play this season, and his second versus New England.
The Revs did hold an edge in possession in the first half, but did not get their first shot on goal until the 25th minute, when Teal Bunbury took a Chris Tierney feed into the Chicago box, but his shot low right found the extended reach of Sean Johnson (7 saves).
A bigger knock to the Revs came in the 26th minute when Andy Dorman, coming up on a loose ball, collided with Bakary Soumare and crashed to the turf with a right knee injury that sent him to the locker room.
New England came out in controlling the pace for the better part of the second half and put heavy pressure on in the 60th minute, with Tierney and Bunbury saw excellent bids pushed aside by the diving Johnson.
Chicago had a golden opportunity to put things away in the 78th minute when Matthew Fondy picked defender AJ Soares' pocket and faced up Shuttleworth one-on-one from ten yards out, but hesitated and his shot was ultimately snuffed out by the Revs keeper.
The Revs were gift wrapped the opportunity to equalize after Jerry Bengtson was brought down in the box in the 84th minute, giving New England a shot from the spot, but Tierney's blast was again saved by Johnson, giving the Chicago netminder his second shutout of the season.
The Fire return home to host the Philadelphia Union next Saturday while the Revolution hit the road for two games, starting with a Wednesday night tilt at the LA Galaxy.
MLSsoccer.com Men of the Match
|What We Saw
|Sean Johnson
|Shutouts have been tough to come by this season in Chicago, but he earned this one. No better save this week than that PK.
|Jeff Larentowicz
|Solid night in the midfield, and a little rookie hazing off the ball on New England's Patrick Mullins.
|Quincy Amarikwa
|Not the most active night, but his opening goal was all it took. Not many guys muscle Andrew Farrell off the ball.


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Connecting with Canadians
Annual Report:
Annual Report [2008-2009] - Farewell
CPRN's final Annual Report, entitled Farewell, summarizes 15 years of contribution to Canada's public policy agenda and highlights the last 18 months of our work. We encourage you to share this with your friends and look for CPRN's legacy, which is now hosted by Carleton University, at www.cprn.org.
Release Date: 26 Jan 2010


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LuLaRoe Leggings (OS) #768
Click Image for Gallery
LuLaRoe Leggings (OS) #768
Having the nickname butter leggings is just a sign that our leggings are the softest around. Our leggings are ultra stretchy and super soft. They are as close to your own skin as you can get while still being clothed. Coming in both solid colors and a variety of patterns you are bound to end up with a pair for each day of the week.
Leggings Details
- 92% Polyester, 8% Spandex
- Buttery Soft Leggings
- Fits Sizes 12-18
- Made In Vietnam
Return Policy - Your business is appreciated and your satisfaction is our priority
- If for any reason you are not satisfied with your purchase, contact us within 30 days to process your refund, less shipping cost.
- Items shipped with tags must have tags attached and be in brand new condition (i.e. unworn, unused, no smoke or perfume smell).
- If the product is defective, we will replace it if we can, at no expense to the customer. If the product cannot be replaced, a full refund, including shipping cost, will be issued once the product is returned.
Shipping Policy - We Ship anywhere in the world!
- Domestic (US Only): Shipping is a flat rate of 4.50 for each item.
- International: Shipping is calculated at time of checkout.
Your order will be shipped within 1 business day of receiving payment (Monday thru Saturday) via USPS First Class Mail, you should expect to receive it within two to three days.)


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Losing to the Dutch in the World Cup got Brazilian national soccer coach Carlos Dunga booted.
The coach and his entire staff were fired Sunday, two days after Brazil was beaten 2-1 by the Netherlands in the World Cup quarterfinals. The announcement was made by the Brazilian Football Federation, but was expected after the team lost. Brazil led 1-0 on Robinho's first-half goal, but allowed two goals in a dismal second-half performance.
"With the closing of the work cycle that started in August 2006 and ended with the elimination of Brazil from the World Cup in South Africa, the CBF announces the dismissal of the Technical Commission of the Brazilian team," the federation said in a statement.
Dunga's successor could be announced y the end of the month and candidtes include former star Mano Menezes, AC Milan coach Leonardo and Wanderley Luxemburgo. Luiz Felipe Scolari, who coached Brazil to its fifth World Cup title in 2002, had been mentioned as a successor, but he has signed a two-year deal to be with the Brazilian club Palmeiras.
Dunga returned from South Africa to Brazil with the team early Sunday and was cheered by by fans in his native Porto Alegre in southern Brazil.
Brazil will host the World Cup in 2014 for the first time since 1950.


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24/7 Helpline: 1.800.272.3900
Find your chapter:
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More than 5 million Americans have Alzheimer's disease.
Everyone is at risk. Even you.
Everyone can help. Especially you.
Every little click, call, or donation adds up to something big.Do a little big thing right now.
24/7 Helpline:
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National HeadquartersAlzheimer's Association National Office, 225 N. Michigan Ave., Fl. 17, Chicago, IL 60601
Alzheimer's Association is a not-for-profit 501(c)(3) organization.
Copyright © 2019 Alzheimer's Association®. All rights reserved.
Our vision is a world without Alzheimer's Formed in 1980, the Alzheimer's Association is the world's leading voluntary health organization in Alzheimer's care, support and research.


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Bits 'n Bobs Author Blog
7/18/2014 2 Comments
The End! What a feeling!
I just typed 'The End' on Gilda and Ryan's story! Hooray! Well, it was at 1:30 this morning, but I wasn't in the mental frame to post about it just then. :-) It will go next to my critique partners for a beta read, then to my editor to begin the next step in the process.
To celebrate, here is a preview of the day Ryan and Gilda meet. A storm has blown up and they take refuge in a nearby cave.
7/18/2014 01:43:39 am
WooHOO! I can't wait! Loving the story so far.
Cathy MacRae
7/18/2014 04:38:12 am
Thanks, Cate! I can't wait to send you the beta copy! It lacks the edit of the last chapter and epilogue. Soon!
Leave a Reply.
October 2019
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CaseBuy EZ Power Supply Tester: In this review, we will be testing the CaseBuy EZ Power Supply Tester. This product is used to test your power supply for any sign of failure. Efficiency and affordability is the resulting factor we should expect to see from the CaseBuy EZ Power Supply Tester. A device that can test your power supply with ease, and offers a peace of mind assuring that no damage will result from the testing process. The sheer brilliance of this device eliminates a need to swap out power supplies in order to test multiple PSU's.
Copyright © 2019 by Phoronix Media. All rights reserved.


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For a field $K$ and a variety $X/K$ (whose characteristic could be $0$) I need a 'simple' explanation for the (Deligne's) method of defining weights of the $l$-adic etale cohomology of $\overline{X}$ (the base change of $X$ to the algebraic closure of $K$). Which 'complicated' statements does one need to define and study weights, and what statements here could be proved 'easily' (using basic properties of etale cohomology)? What is the best reference for obtaining an 'understanding' of these things (I prefer reading in English and in Russian:))?
Upd. I know some references on the subject (Weil II, Kiehl-Weissauer? SGA IV3, SGAVII2); yet it is difficult to understand which parts of these books contain the information I need. Does there exist any 'guide' to any of these texts?
On the other hand, "Weights in arithmetic geometry" by Jannsen is too short.


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Solids. They often play second fiddle but this week we'll take a look at some quilts in which they play the lead role!
All quilts are designed with composition in mind, but when you work with all solids, there's no busy or bold prints to distract your your eye or provide movement in the quilt. The design, piecing, and color choices become the tools that do that work.
Subtle variations in shape are featured and highlighted, and contrast in color value shines through.
And when a quilt is mostly solids, one patterned fabric is suddenly framed and featured.
A word of warning though: the more you use solids, the more you find you can't do without them! We hope you enjoy this Week of Solids!


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Together we imagine, design, and promote educational products, services and programs that advance learning in higher education.
Students gain real-world experience collaborating with their peers and working with Pearson professionals who help them master career-ready skills.
Connect with students, share your voice in product development and make a difference on your campus!
Join an online network of students who learn career skills, give feedback, and earn rewards!
Continue your education as a Pearson Scholar and get paired with a professional mentor.


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Quality CareFind out why Mayo Clinic is the right place for your health care. Make an appointment.
Meet the StaffFind a directory of doctors and departments at all Mayo Clinic campuses. Visit now.
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Visit Our SchoolsEducators at Mayo Clinic train tomorrow's leaders to deliver compassionate, high-value, safe patient care. Choose a degree.
Professional ServicesExplore Mayo Clinic's many resources and see jobs available for medical professionals. Get updates.
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Mayo Clinic's campus in Minnesota provides medical care for thousands of people from the United States and around the world each year.
See travel information, maps, driving directions, parking information, lodging information, video guides and more.
Request an appointment at Mayo Clinic's campus in Arizona, Florida, Minnesota or at the Mayo Clinic Health System.
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Patient Account Services can assist you with questions or concerns regarding billing and answer general insurance questions.
See your results and records as fast as your clinician does. Get updated appointment schedules and instructions. Handle your bills more quickly and simply.
Mayo Clinic and its hospital campuses in Rochester form an integrated medical center dedicated to providing comprehensive diagnosis and treatment in virtually every medical and surgical specialty.
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Silly Billyz Small Long Sleeved Bib - Cerise
Receive your purchase now, spread the total cost over 6 weekly automatic payments. Interest free!
Brilliant bib for messy eaters!
The Small Long-Sleeved Bibs are fantastic for self feeders keeping baby clean and dry - with these bibs on it really doesn't matter that most of the food doesn't end up in their mouths!
The unique Snuggle neck guard fits close around baby's neck to help protect against dribbles and spills.
Suggested Age: 6 months to 2 years +


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They call it "money camp." Twice a week, 6- to 11-year-old scions of wealthy families take classes on being rich. They compete to corner commodities markets in Pit, the raucous Parker Brothers card game, and take part in a workshop called "business in a box," examining products that aren't obvious gold mines, such as the packaging on Apple Inc.'s iPhone rather than the phone itself.
It's all part of managing money for the wealthiest families, says Katherine Lintz, founder of Clayton, Missouri- based Financial Management Partners, which runs the camp for the children of clients. Supplying the families with good stock picks and a wily tax strategy isn't enough anymore. These days, it's about applying the human touch, she says.
Lintz, 58, is on to something. Her 22-year-old firm was No. 2 among the fastest-growing multifamily offices in the second annual Bloomberg Markets ranking of companies that manage affairs for dynastic clans, Bloomberg Markets magazine reports in its September issue. The assets that FMP supervises grew 30 percent to $2.6 billion as of Dec. 31, just behind Signature, a Norfolk, Virginia-based family office that expanded 36 percent in 2011 to $3.6 billion.
In sheer size, the family office units of banks dominate the ranking. Nine of the top 10 are associated with banks. HSBC Private Wealth Solutions, a unit of London-based HSBC Holdings Plc (HSBA), is No. 1 by total assets under advisement for the second consecutive year, with $123.6 billion as of Dec. 31, an increase of 21 percent over 2010.
Small is Beautiful
No. 2 on the list is Northern Trust Corp. (NTRS), based in Chicago, with $90 billion, while No. 3 is BNY Mellon Wealth Management, a unit of Bank of New York Mellon Corp. (BK), with $64.5 billion.
The top family office in assets per family is 1875 Finance of Geneva, which manages the wealth of three multigenerational families, whose assets average $1.7 billion.
It's easier to grow when you're small. Even so, of the top 10 fastest-growing firms in the ranking, only one -- HSBC Private Wealth Solutions -- was part of a big bank. The other nine were boutiques such as FMP -- small companies that are often willing to accept thinner profit margins to mind money, prepare taxes, pay bills and arrange the purchase of private-jet shares for the ultrawealthy.
"We're getting so good at providing things that people didn't know they wanted," Lintz says.
She was a financial planner at Chase Manhattan Bank, now part of JPMorgan Chase & Co., before moving to a sports agency called Bry & Associates, where her clients included professional football and baseball players. Many of them stuck with her when she started her own firm in 1990.
Pint-size Millionaires
Lintz kicked off her money camp three years ago. She hired a retired math teacher to design the curriculum for the pint- size millionaires -- sons and daughters of beer-brewing executives, Internet entrepreneurs and the athletes.
Much of this care and feeding comes out of the 30 to 70 basis points against assets that the firm charges the 140 families who utilize its services. A basis point is 0.01 percentage point.
FMP sometimes charges extra for extraordinary services. Lintz's profit margins are 20 percent, well below the 40 percent she says traditional asset managers aim to earn.
"Multifamily offices have been trying to figure out a profitable business model for a couple of decades," says John Davis, chair of the Families in Business program at Harvard Business School, who studies the firms. "They are seeing the limits of providing a lot of services."
Demanding Clients
Clients can be demanding. One whose assets are overseen by Signature schedules weekly meetings with its staff, founder Susan Colpitts says. The firm manages the client's money, buys and sells his real estate and helps hire household staff.
"We don't walk the dogs, but we do pay the bills and help people with private aviation," Colpitts says.
"The business of tax preparation and bill paying is a lousy business," says G. Moffett Cochran, co-founder of Silvercrest Asset Management Group LLC, which ranked 18th, with $10.2 billion under advisement. "You can't lever it up. We do it, but we insist we get paid for it properly."
Low margins and all, the business is attracting savvy buyers. In July, Affiliated Managers Group Inc. (AMG) purchased a stake in Veritable LP, a family office firm in Newtown Square, Pennsylvania, that oversees $10.3 billion for 193 hyper-rich families and that's No. 17 in the ranking. AMG won't say how much of Veritable it bought or how much it paid.
Fund Rollups
AMG normally buys mutual funds and hedge funds, which charge higher fees because they manage money directly. Family offices often farm out clients' money to professional managers. AMG's stakes in 27 managers generated $553.4 million for the firm in 2011.
"I really don't care what the margin is," AMG CEO Sean Healey says. "A lower-margin business that is stable is perfectly fine."
Boutiques such as Signature and FMP are eating into a business that the banks rely on. Their middle-class clients are getting poorer. Median household net worth in the U.S. declined to $77,300 in 2010, the lowest since 1992, according to a June study by the U.S. Federal Reserve. New laws designed to prevent a replay of the 2008 credit crisis have made trading less lucrative too.
That makes banking for the wealthiest more attractive than ever. To take in more family cash, many big institutions are trying to look smaller -- and more blue-blooded. In April, Wells Fargo & Co. (WFC) set up a unit called Abbot Downing to court family clans with $50 million or more.
Suspiciously Posh
The name -- which sounds suspiciously posh -- is real. Abbot-Downing Co. designed the Concord Coach, the 19th-century stagecoach that's part of the Wells Fargo logo.
Mark Twain called it a "cradle on wheels" because of the rocking ride.
U.S. Bancorp last year rebranded its wealth-management unit, calling it Ascent Private Capital Management. Ascent has opened sleek offices in Minneapolis and Denver that look like Apple Inc. stores, all glass and white walls, where wealthy clients can take classes, hold meetings and even throw dinner parties for as many as 50 people, with china provided.
Michael Cole, president of Ascent, says the unit will earn pretax margins of more than 30 percent because it plans to charge for many of its noninvestment services and also lend money to clients and take deposits -- services independent family offices can't perform.
Asia's Wealth
Even Swiss banks, which have minded family money for centuries, are elevating their game. Zurich-based UBS AG (UBSN), whose Global Family Office is No. 6 on the Bloomberg Markets list, is working hard to gain clients in Asia, where new dynasties are forming at the fastest clip.
The number of millionaires in the region rose 1.6 percent to 3.37 million last year, for the first time surpassing North America, which had 3.35 million, according to a report by Capgemini and RBC Wealth Management.
In Hong Kong, UBS dedicated the 48th floor of Two International Finance Centre to its "ultra" clients, those with at least $50 million in assets, says Amy Lo, head of UBS's ultra-high-net-worth unit in Asia. There, clients can meet with a fixed-income or equity specialist or talk with an investment banker about an opportunity to buy into a company preparing to do an initial public offering, Lo says.
Boutique family offices question both the big banks' level of service and their motivation; they say the banks are too eager to sell their own hedge and mutual funds to clients.
Citigroup Case
A federal judge last year ordered Citigroup Inc. (C) to pay two clients $54.1 million for losses in a hedge fund that borrowed billions of dollars to try and extract higher yields from municipal bonds. Citi had pitched the fund to private-banking clients as a safe alternative to conventional bonds.
Citi spokeswoman Danielle Romero-Apsilos said in an e-mail that Citi acted appropriately at all times.
Lately, the boutiques have been emphasizing another low- margin service: family governance. Family offices convene clan meetings and help appoint councils whose members set an agenda for the family, Harvard's Davis says.
Some bank-based firms are also providing the service. Ascent Private Capital has two experts on staff, both with Ph.D.'s in organizational psychology, who coach families on leadership, decision making and managing change. "We don't just help our clients manage wealth," Ascent's Cole says. "We help them manage the impact of wealth."
Delicate Work
This delicate work can prevent breakdowns that might land fathers and sons, or brothers and sisters, in court, says Rick Pitcairn, chief investment officer at Pitcairn, a Philadelphia- based family office started by the descendants of John Pitcairn, founder of glassmaker PPG Industries Inc. (PPG)
Pitcairn serves the fourth and fifth generations of Pitcairns, plus 41 other multigenerational families. Most have from $75 million to $300 million in assets, Pitcairn says.
Unlike Signature and FMP, which serve mostly families that are newly wealthy, Pitcairn deals with old money.
"If you are able to serve one of these complex families in an excellent way, you have the added benefit of creating an annuity effect by forming long-term relationships," Pitcairn says. "While the margins may be smaller in the beginning, the opportunity to build and expand these relationships over time is far greater."
Creating long-term family relationships is part of what Lintz's money camps are about. She says about 30 kids had gone through the program as of mid-July. Another 20 high school and college kids have taken courses on budgets and taxes.
"The firms that are growing are committed to this kind of work," Lintz says.
The big banks, she says, had better upgrade their services -- and maybe hire some camp directors -- or risk losing clients to their smaller and more nimble competitors.
How We Crunched the Numbers to Find the Richest Family Offices
Our ranking of family offices is based on data compiled by Bloomberg from information self-reported by multi-family firms. The list was compiled through research by the Bloomberg Rankings team, and via a survey of more than 1,000 firms worldwide, using a database obtained from the Portland, Oregon-based Family Offices Group. More than 115 firms responded to the survey.
We ranked the top 50 by assets under advisement, which includes wealth directly managed by the family offices and funds outsourced to money management firms.
High Net Worth
Single-family office firms were excluded. Family offices that are part of banks were included if the bank has a unit that offers direct and comprehensive investment and noninvestment services to high-net-worth families. Figures for assets under advisement include only assets managed by the family-office unit of the bank.
Money managed for pension funds was excluded; money managed for private foundations was included.
The ranked firms provide a variety of noninvestment services, including organization of family meetings, financial education, art consulting, estate planning, family governance consulting, foundation management, business consulting and concierge services such as property management, private travel arrangement and shopping assistance.
--Bloomberg News--


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A page for my Dec Daily book. A filler page. I did pages like this about the girls too for days when we just didn't have much going on.
All DD:
Katie Pertiet
Woodside Jangle Kit
Woodside Jangle Add-ons No.1
Woodside Jangle Papers Add-on No2
Wooden Flakes No2
Boxed Frames No2
Frame Hangers No1
Winter Artistry Add-on
Wooden Ornaments
Naturally Krafty
Star Glows
Days of Dec LayeredTs No5
Studio DD
layer Works 143
Layer Works 166
Cathy Z
Typesets Good Boy


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Last night I decided to have one last look at Facebook before going to bed. It turned out to be a bad move. I went to bed seething with anger.
I have quite a few young friends on Facebook, many of whom are people we met when we lived in Fort Liard, and who were barely teenagers when we moved to Whitehorse. One young man I'll call "M" posted a status update he clearly thought was hilarious. And I didn't. Well, have a look for yourself.
I enjoy irreverent humour, naughty humour, and sometimes even bathroom humour. But this is not irreverent or naughty; it's degrading and abusive. I could see that my young friend M didn't get it. What was even sadder is the person who posted "LMAO" is a young woman.
I was so so angry, I shut off my computer and headed for bed. I started brushing my teeth and thought about M. At barely 20, even though he "should" know better, he's still at an age where this kind of stupidity, er, ignorance is not surprising.
So I came back on Facebook and posted my second comment.
In fact, I don't think it's funny in the context of the movie. (I've never watched Goon, but based on this glimpse, I suspect I'd find a lot of the movie disgusting.) I was trying very hard to set aside my anger and explain what makes this kind of public declaration unacceptable. It's so hard to be reasonable and coherent when I feel this way.
I knew posting this comment made me look like a killjoy; to the group around this young man, I would probably appear to be just another a humourless adult who takes pleasure in berating youth. But to me, this kind of attitude is absolutely dangerous, especially in a community where violence against women is all too common.
After posting this, and fully expecting to be called out, I went to bed shaking.
You'll be happy to know that I found a contrite message from M this morning. I'm proud of him. A few more people had chimed in on the thread to say they thought it was funny, but no one yelled at me. I'm glad I did a little something. I hope that speaking out this once makes a difference in M's life, that he'll think twice next time.
I never watch movies anymore, but it makes me wonder how much popular culture out there promotes this kind of degrading attitude towards women. I can't do a lot about that. But at least I can help shape some small attitude shifts, just like this, every once in a while. It's better than despairing.


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Warner Bros. has officially announced the start of production on Chris Nolan's third Batman film, The Dark Knight Rises, and it seems the studio is following in the footsteps of The Dark Knight by also starting an intriguing viral campaign that will likely keep fans of the franchise both guessing about the movie and joining in the fun as the Dark Knight edges closer to theaters.
Today we have the first details on the The Dark Knight Rises official site, plus some neat little secrets about the viral campaign that reveal an awesome treat: the first image of Tom Hardy as Bane!
The TDKR official site has two URL's - you can either visit thedarkknightrises.com or thedarkknightrises.warnerbros.com to gain access. Right now there isn't much there except a black screen - however, you will be greeted by an audio file that is basically a group of people chanting some mantra that we cannot yet make out. However, we don't expect it will be too long before more tech-savvy users filter the audio to give us a better sense of what's being said.
If you happen to BE one of those tech-savvy users, you can grab the audio being played on the site by going HERE. After a few repeated listens, the immediate questions that jump to mind are:
- Are these Gotham's citizens cheering for their Dark Knight?
- Could it be prisoners in the infamous prison where Bane (Tom Hardy) was born and raised? (Our bet.)
- Could it be the mantra of the League of Shadows, the nefarious group from Batman Begins who many are speculating will return for TDKR?
- Is this chanting something else entirely?
One thing we do know for sure: with a Nolan film you never know for sure until Nolan tells you for sure. Until then it's all guesswork.
Dark Knight Rises Viral Game
One of the best things about The Dark Knight were the viral games that allowed millions of fans to participate in the movie's marketing, often yielding sweet promotional goodies like first images of The Joker or audio files of Heath Ledger's "Joker voice." The Dark Knight Rises is following suit, releasing it's first official image in a very unique way.
The game is simple: Head over to Twitter and send a tweet with the following hashtag attached:
Doing so will have your Twitter Avatar added to a collage that ultimately reveals the first official image of Tom Hardy as Bane! Check out the Bane collage (which your avatar pic can be a part of) by going HERE.
If you have no interest in the game, simply check out the finished image below ;-)
So let's hear it: How does Hardy look as Bane and are you excited for another fun and engaging Batman movie viral campaign?
BONUS - For a quick read on everything we know so far about The Dark Knight Rises, go HERE.
The Dark Knight Rises in theaters on July 20, 2012


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Surety bonds assure project owners that a contractor can complete a project according to contract specifications. Requiring a surety bond on a project helps prequalify contracting firms based on their credit strength, experience and capability to successfully complete contracts and "weeds out" contractors that do not have the wherewithal to complete a job. Before a surety company issues a bond, it prequalifies a contractor and offers assurance to a project owner that the contractor can perform the contract according to its terms and conditions. Furthermore, the surety company guarantees that the contractor will pay certain laborers, subcontractors and suppliers associated with the project. The economic risk of contractor default stays with the bonded contractor, who must sign an indemnity agreement holding the surety harmless.
How a surety bond works
Contract surety bonds are three-party agreements whereby one party (the surety company) guarantees another party (the owner) that a third party (the contractor) will perform the contract. The owner specifies the bond requirement in the contract documents. It's the contractor's responsibility to secure the bonds.
Because of the intricacy of the bonding process, and the fact that each surety company has its own unique underwriting standards and practices, contractors turn to surety bond producers (often independent surety insurance agencies) to secure the surety bond on their behalf. Contractors include the cost of the bond premium in their bid prices. The surety company typically charges only for the final bond(s) when the contractor is awarded the contract.
Bonds are required on most public work projects. Contracts for these jobs are awarded under a competitive, sealed, open-competition bidding system where the work is awarded to the lowest responsive bidder. Surety bonds have been required on public construction jobs for more than 100 years. To protect taxpayer dollars from irresponsible bidders and incapable contractors, Congress passed the Heard Act in 1894, which required contractors to obtain surety bonds on public work. The Heard Act was later replaced by the Miller Act of 1935, which mandated performance and payment bonds on all federal public work contracts in excess of $100,000. Most state and local governments have adopted similar legislation (often referred to as "Little Miller Acts"). The requirements stipulated by "Little Miller Acts" vary.
Types of contract surety bonds
The bid bond provides financial assurance that the contractor is capable of performing the contract at the price bid, and will comply with the conditions of the bid, including entering into a final contract if the contractor is the successful bidder. It also assures the owner that the surety company will issue the requisite payment and performance bonds. If the contractor is awarded the contract but fails to enter into the agreement, the surety may be required to pay the difference between the awarded bid and the next lowest bid or pay the bond penalty.
The performance bond protects the owner from financial loss, should the contractor fail to meet the terms and conditions of the contract. If the contractor defaults, the surety will respond in accordance with the terms of the bond.
A payment bond guarantees that the contractor will pay certain laborers, materials suppliers and subcontractors. Payment bonds issued by themselves only guarantee that the project will remain lien free for the obligations assumed by the principal. If the contractor fails to pay, the surety will make the payments up to the penal amount of the bond (stipulated in the contract). Generally, payment bonds are supplied at no additional cost when purchased in conjunction with a performance bond.
Benefits of a bond
Surety bonds have several key benefits:
Greater pool of qualified contractors bidding for jobs, resulting in more timely project completion and less likelihood of contractor failure;
Payment protection for subcontractors, suppliers and laborers (Subcontractors and suppliers may submit more competitive prices if they are protected by a payment bond);
Technical, management and/or financial assistance for the contractor to keep the project on schedule;
No liens from unpaid subs and suppliers covered by the payment bond, which will smooth transition from construction to permanent financing;
Guarantees correction of defects as a result of faulty material or workmanship for at least one year.
Remember that contractors must qualify for surety bonds. The process of obtaining bonds is more like obtaining bank credit than purchasing other types of insurance. When obtaining bank credit, the financial institution only provides the loan if it determines the party is capable of repaying it in full with interest. With traditional insurance, premiums are paid based upon deductibles and expected losses. However, surety companies do not expect a loss, and they will not bond a contractor that does not meet their prequalification standards.
The prequalification process
The primary service of the surety is prequalification. Therefore, the surety bond that a contractor pays is primarily a fee for service and granting of surety credit. A surety offers financial backing for the contractor. It does not lend contractor money, but rather commits its financial resources to back the commitment of the contractor. This enables the contractor to acquire a contract with the owner.
The surety company's process for prequalification (also referred to as underwriting) carefully analyzes the contractor's entire business operation, because the surety is backing the promise of that contractor to perform the contract. The company evaluates the contractor's capacity to perform this particular contract as well as other contracts already written, determines his/her financial strength, reviews his/her character and may ask for personal or corporate indemnity. The surety bond producer assists the contractor with prequalification and evaluates the company in several key areas: capacity to perform; financial strength; character; and often the strength of the indemnity agreement that they may require.
When analyzing a contractor's capacity to perform, the surety company will look at the resumes of the contractor and key personnel, the contractor's track record of successfully completed work and the adequacy of the contractor's equipment and tools required to perform the contract. The surety company will also want to know the rationale for why the contractor is undertaking the project; the continuity plan that illustrates how the company will continue performing its obligations in the event of the demise or departure of key personnel; and the contractor's future plans, short and long-term goals, objectives and growth strategies.
Surety companies will also perform an analysis of a contractor's financial strength. This will usually require that the contractor provide detailed financial statements for the past three to five years, and accounting methods that comply with Generally Accepted Accounting Principles (GAAP). These financial statements should include a balance sheet; statement of earnings; statement of changes in owner's equity; statement of cash flow; notes to financial statements; and contract schedules. The surety may ask for interim financial statements. Requirements for interim statements vary, but a six-month statement usually is the minimum.
Sureties also will require a schedule of work in progress (usually quarterly). This schedule should list each job by name and indicate the total contract price including: change orders, amount billed to date, cost incurred to date, revised estimate of the cost to complete, estimated gross profit; anticipated completion date; cost records that account for the financial status of the contractor's jobs; credit reports demonstrating how the contractor handles payment of debts; and a bank line of credit showing unsecured credit that can be used as short-term working capital.
To evaluate a contractor's character, surety companies may review trade references from owners, architects, subcontractors, general contractors and material suppliers with whom the firm has worked to get a sense of the contractor's reputation for fair, businesslike dealings.
In addition, surety companies may require the "personal indemnity" of the owners, their spouses, or major stockholder(s) of the contracting firm to assure that they are going to put forth their best efforts to meet contract obligations. In some cases, the contractor may have to declare personal assets to increase the amount of surety credit available. For a proper evaluation of how much loss the personal indemnity can cover, the surety may request the contractor to provide personal financial statements.
Contractor default
Although the prequalification process greatly reduces the likelihood of contractor default, things do happen on a construction project that can cause a contractor to fail. These problems include but are not limited to poor cost and project management systems; estimating, bidding or procurement problems; cost overruns; lack of adequate insurance; a change in leadership or personnel at the company; catastrophic weather, fire or other problems on the job site; lack of or late payments by the project owner; or a host of other problems.
When a contractor gets into trouble, the surety may look at several options to avoid further deterioration of the situation and an ultimate default. Default may be averted because of the surety company's expertise in seeing projects to completion. To avoid default, the surety company may provide trained personnel, direct payment to subcontractors, laborers and suppliers and/or offer financial assistance to the contractor.
While everyone would prefer to avoid default, it's not always possible — especially if the contractor or owner fail to talk about problems as they arise. In the event of default the surety company may, according to the particular language of the bond and construction contract, retain the original contractor and provide trained personnel offer financial assistance, provide payment for subs and suppliers, rebid the job to another contractor for completion or pay some or all of the penalties included in the bond.
Cost of surety bonds
The cost of the surety bond is referred to as the premium. The premium is a fee for the surety's prequalification, underwriting and other services. Bonds typically cost between 0.5% to 1% of the contract price, although rates vary from company to company. A payment bond generally is provided at no additional cost when issued in conjunction with a performance bond.
In charging this small fee for prequalification, the surety underwrites the contractor with the assumption that it will not incur a loss under the bond.
It's important to inquire about the rates when you are charged a premium. Rates may very depending on the type of work the contractor normally performs. Also, some surety companies offer preferred rates for contractors with proven track records. Don't just look for the absolute lowest rate in the industry. When evaluating the premium, contractors should take into account the opportunities and services that the surety company offers, such as customer service, support, confidence and capacity to grow.
Most surety companies file their individual rate plans with the various insurance departments of the states in which they operate. Almost all surety companies file multiple rate plans along with prequalification requirements for each category. Most rate plans are financial requirements based on net worth, sales volume and quality/frequency of financial reports.
Choosing a surety producer
The surety bond producer plays an essential role in helping a contractor obtain bonds, and can be an integral part of the contractor's external advisory group, which includes attorneys, bank officers and auditors. Surety bond producers, however, receive a commission on the bond premium only when the contractor is awarded the job and the bonds are issued.
By using his/her specialized knowledge of the construction industry, the surety bond producer prepares the contractor for the surety company's rigorous prequalification process. Contractors should look for a producer that specializes in bonding for the construction industry. A surety bond producer should have a reputation for integrity and respect in the industry; personal interest in the contractor's success; ability to build solid relationships with surety underwriters; and thorough knowledge of financial practices in the construction industry.
Choosing a surety company
The surety underwriter is an employee of the surety company. The underwriter reviews the contractor's case by thoroughly analyzing the financial records and the contract to determine the contractor's ability to complete the project. The underwriter ensures that bond forms, application forms, forms for indemnity, collateral and other agreements are completed and filed appropriately.
As a contractor develops a strong business relationship with a surety bond producer, a relationship will also ensue between the contractor and the surety company, who will help the contractor keep and increase its surety capacity. When choosing a surety company, look at its reputation, experience with your type of work, access to representatives, good relationships with producers and claims handling.
Work hard to develop a personal connection and credibility with the surety bond providers and underwriters. Don't underestimate the importance of developing a good working relationship with the local surety agents and the underwriters at the surety bonding companies. If they get to know you and believe in your company, they will be your best allies in securing bonds.
This article was edited from material provided by the Surety Information Office, Washington, D.C.
To learn more about surety bonding, the four best sources of information are the Surety Information Office (SIO), the Surety Association of America (SAA), the National Association of Surety Bond Producers (NASBP) and the Small Business Association (SBA). Contact information for these associations is listed here. You can get more information on surety bonding from the Associated General Contractors of America (AGC) Alexandria, Va., at www.agc.org.
Surety Information Office (SIO)
5225 Wisconsin Ave. NW, Suite 600
Washington, D.C. 20015-2014
Phone: (202) 686-7463
Fax: (202) 686-3656
Web site: www.sio.org
The Surety Information Office offers information to contractors, owners, design professionals, legislators, public officials, bankers and others about the benefits of contract surety bonds in public and private construction.
Surety Association of America (SAA)
1101 Connecticut Ave., NW, Suite 800
Washington, D.C. 20036
Phone: (202) 463-0600
Fax: (202) 463-0606
Web site: www.surety.org
The SAA is a voluntary, non-profit incorporated association of companies involved in suretyship. It has about 600 member companies that collectively underwrite the majority of security and fidelity bonds in the United States.
National Association of Surety Bond Producers (NASBP)
5225 Wisconsin Ave., NW, Suite 600
Washington, D.C. 20015
Phone: (202) 686-3700
Fax: (202) 686-3656
Web site: www.nasbp.org
NASBP is the international organization of professional security bond producers and brokers. It represents more than 5,000 members who specialize in surety bonding and provide performance and payment bonds for the construction industry.
Small Business Association (SBA)
Office of Surety Guarantees
U.S. Small Business Administration
409 Third St., SW, Suite 8600
Washington, D.C. 20416
Phone: (202) 205-6546
Web site: www.sba.gov/OSG/
The U.S. Small Business Administration (SBA) can guarantee bonds for contracts up to $2 million, covering bid, performance and payment bonds for small and emerging contractors who cannot obtain surety bonds through regular commercial channels. This program is open to small contractors whose annual revenues for the past three years have not totaled $6 million.


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Square Mile's team of qualitative researchers work to pinpoint funds that have real potential to deliver their stated objectives consistently for clients. Analysts undertake thorough, detailed quarterly reviews of every fund included in the rated or recommended list, following a discussion with the fund manager.
Rated funds each have a dedicated factsheet on the Academy of Funds website. The factsheet includes information on how the fund works and Square Mile's opinion and rating. They are designed to help advisers to understand what their clients can expect from the fund.
This new video service reflects the result of Square Mile's exhaustive research and is embedded within the fund factsheets to provide an easy-to-access resource for intermediaries.
The Talking Factsheets videos are an innovative way to bring the factsheets to life, combining Square Mile's independent, qualitative fund research with accessible video content. The aim is to give advisers and financial institutions further depth to their research and help them make informed decisions.
We believe this to be a unique offering in the industry where quality, insight and third-party independence ensure a new level of standing in fund videos.
Register for free http://www.squaremileresearch.com/Academy-of-Funds
By John Monaghan, 25 Apr 18


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Not only fun, dancing brings benefits to body, mind and health, bringing joy and well-being! Through small, modified and dynamic resistance training, participants can prevent bone loss associated with age, give more strength and definition to the muscles, decrease body fat and improve mobility, posture, coordination and cognition.
Ages: 12 and older
When: Tuesdays in August
Time: 10:30-11:00 am
Cost: $3 per class with punch card or $5 for drop in
Where: Valley Community Center
Contact: Gabe - 515.327.6000


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Lifting and dealing with are intricate operations that frequently impact the effective finish of a project.With our extensive variety of taking care of, lifting and profound water bringing down hardware for establishment of a wide range of seaward offices, including settled and skimming structures, we expect to enable clients to lessen costs, increment effectiveness and guarantee security to accomplish ideal outcomes on their undertakings.
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Shelby 3, Freedom 0 (25-15, 25-15, 26-24) � The Lady Golden Lions claimed a SMAC victory Tuesday.
Shelby will host Hunter Huss today at 5 p.m. in non-conference activity.
Shelby stat leaders: Drew Mabry four aces, one kills, 15 assists; Taleyah Durham one ace, two kills, three blocks, 10 digs; Jada Simms one ace, one kill, 15 digs; Chezney Baxter one kill, eight digs; Natalie Mayor five kills, seven digs, one block; Kori West three aces, 12 kills, three blocks, one assist; Hannah Appling one ace, three kills, seven digs, two blocks.
Crest 3, Hunter Huss 1 (25-17, 25-11, 24-26, 25-21) � Crest improved to 7-3 in Big South Conference play and 13-7 overall for the season.
The Lady Chargers host Kings Mountain on Thursday for Senior Night.
Crest stat leaders: Dakota Keller 12 kills, five digs; Jane Gragg eight kills; Bailey Bradshaw two aces, seven kills, four digs; Rachel Queen five aces, 15 digs.
Junior Varsity
Crest 2, Hunter Huss 0 (25-19, 25-4) � The junior Lady Chargers evened their league record at 5-5 (8-11 overall) with the triumph.
Crest stat leaders: Mikaila Linnens five aces, nine kills; Jennifer Allen six aces, four kills; Katie Harrill 16 assists.
Cross Country
The Crest High girls won first place over two opponents in a meet they hosted Tuesday.
Crest had a total of 35 points, Burns had 46 and West Lincoln 47.
West Lincoln�s Kelsey Mosteller won with a time of 23:01. Burns� Cora Tucker was second at 24:10, with Crest�s Hollyann Walker (24:46) and Taylor Mitchell (24:56) taking third and fourth, respectively. Burns� Madison Royster was fifth at 25:29.
The Crest High boys cross country team took second place and Burns was third in a race that covered a 5,000-meter distance.
West Lincoln won with 17 points, taking the top four individual spots, with Crest next with 50 and Burns with 67. Chase High had a 120 total.
West Lincoln�s effort was paced by Nick Morgan, who led the pack at 19:26.
Crest�s Jacob Turnbill was fifth with a time of 20:13. Burns� leader was Josh Beam in eighth spot with a time of 20:50.
Check stat sheet for top 10 in both girls and boys division.
Middle Schools
Crest 10, R-S 0 � The Lady Dragons blanked R-S in a contest called after five innings Tuesday.
Winning pitcher Emily Lewis allowed two hits, struck out five and issued only one walk.
Jenna Wacaster had four hits for Crest with Emily White and Caitlyn Anthony adding two each. Lewis, Sierra Warren and Rebekah Lane also hit safely for the victors.
The Dragons now wait to learn their opponent in the upcoming Tri-County playoffs.
Burns 7, Kings Mountain 6 � Jennifer Hamrick and Kassidy Hamrick pitched for the Lady Patriots on Monday.
Megan McQueen and Destiny Hamrick had hits for Kings Mountain, with Mandy Hamrick scoring two runs to lead the Patriots
In Tri-Conference Conference action, Burns hosts East Lincoln, Shelby visits Chase, Crest plays at R-S Central and Kings Mountain is at West Lincoln.
Crest 5, R-S 0 � The Dragons completed a 5-4 season by blanking their Tri-County Conference foe with John Kyle Mitchell and Spencer Howell splitting time in goal.
Nick Melton scored twice for Crest with Harrison Kratzer, Ronald Ramsey and C.J. Guest adding one apiece.
Walt Zeller contributed two assists with one apiece by George Odembo and Hunter Blanton.
Burns 4, Kings Mountain 3 � Mason Nguyen scored for the Patriots off an assist from Josh Scism on Monday. Will Robinson and Justice Lamb had goals in penalty picks for Kings Mountain
Kings Mountain 172, West Lincoln 200, East Lincoln 202, Burns 207 � The Patriots rolled to the team victory Monday. Kings Mountain�s Dawson Adams was low medalist with a 40, beating out West Lincoln�s Ben Gates (41) and Kings Mountain�s Carson Bailey (43).
Other Patriot golfers were: J.T. Cash (44), Alex Goff (45), Elliott Mann (45) and Landon Ervin (46). That meant Kings Mountain accounted for six of the nine scores in the 40s.


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Robbie Gould kicked a 41-yard field goal as time expired as the Chicago Bears rallied twice in the fourth quarter to beat the Carolina Panthers 23-22 on Sunday.
The Bears were trailing 19-7 in the fourth when the game turned in a big way.
Chicago (6-1) took over on the Carolina 38 after Brad Nortman shanked a 6-yard punt, and Jay Cutler connected with Kellen Davis on a 12-yard scoring pass with just under seven minutes left.
Then, on Carolina's next play from scrimmage, Steve Smith slipped on a pass pattern and Tim Jennings returned his second interception of the game 25 yards for the go-ahead score.
Cam Newton then drove the Panthers to the Chicago 27, and Justin Medlock's 45-yard field goal hit the right upright and went through to put Carolina (1-6) ahead 22-20 with 2:27 remaining.
Cutler then came up with the winning drive, moving the Bears 5 to the 23 before Gould nailed his game-winner. The Panthers lost their fifth straight game.


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Experimenting With QR Codes
MartinPacker 11000094DH Comments (2) Visits (17889)
Inspired by two of Bob Leah's posts on QR Codes - here and here I started experimenting with creating and consuming QR codes. But what is a QR code? In short it's a two-dimensional barcode that can contain e.g plain text or a URL. In the latter case a QR code reader can pick up the URL - maybe from a real-world object - and open it in a browser. Creating QR Codes In my experiment I created the... [More]


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$ 139.00
Ships in 2-3 business days
The Naturepedic Quilted Mattress Topper features two layers of luxurious organic cotton fabric with a comfortable layer of PLA batting in the center. PLA is a plant derived fiber made primarily from corn that offers excellent absorption and washability. Meets the strictest GREENGUARD certification standards for eliminating chemical emissions. This pad makes an excellent choice for children seeking a more plush sleep surface.
Type: Mattress Topper


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Dry Cleaners/Dry Cleaning Plants
Dry cleaner establishments are not regulated by any state agency. Consumers must seek resolution through the Better Business Bureau, Small Claims Court, or another local consumer protection agency.
The California Cleaners Association will take complaints about dry cleaning establishments and launderers, contact the business to help resolve the consumer problem, and refer to Better Business Bureau if the Dry Cleaning establishment is not a member of Association.
California Cleaners Association
2520 Venture Oaks Way, Suite 150
Sacramento, CA 95833
(916) 239-4070
(916) 924-7323 (fax)
Gender-Based Price Discrimination: see entry in G of this directory
Publications available: None are offered by the Consumer Information Center
Other referrals: Better Business Bureau and Small Claims
Consumer Resource & Referral Guide
Directory of State Agencies
Directory of Federal Agencies
Return to DCA Home Page


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Build modern, cloud native applications with your choice of technologies.
Build faster. Innovate faster.
Oracle Cloud provides a secure platform for all of your applications. Code with your choice of languages, databases, containers, and open source tooling for PaaS and SaaS on Oracle's application development platform. Build API-first, mobile-first, and cloud native applications and integrate with visual tools for business users. Build rich, digital experiences for your applications powered by Oracle AI and natural language processing tools and seamlessly integrate with identity providers such as Facebook, Slack, and WeChat.
Oracle's application development platform gives you a comprehensive DevOps platform for CI/CD, deep diagnostics for Java applications, and streamlined integration with SaaS and on-premises applications. Application development running on Oracle Cloud Infrastructure provides unmatched performance, security, elastic scaling, and high availability.
Develop applications using Java and Oracle Database as well as open source and third-party components. Oracle Cloud offers developers flexibility, portability, compatibility, and interoperability with other technologies.
Gain instant access to containers, bare-metal compute, microservices, API-based architecture, DevOps processes, and tools such as Oracle Developer Cloud Service and Oracle Application Container Cloud Service for fast, flexible development and deployment.
Provision new environments in the cloud in minutes—instead of days or weeks. Easy lift and shift capabilities using containers. Enable developers to easily deploy new or replicate DevTest environments for small- or large-scale projects. Oracle Visual Builder Cloud Service enables business users to create applications without writing code.
Build intelligent digital assistants for popular messaging apps like Facebook Messenger. Artificial intelligence and machine learning are built into every cloud category—data, software, platform, and infrastructure.
Learn what they have to say about their experiences using each company's cloud services.
Explore the analysis in The Forrester Wave for Digital Experience Platforms, Q2 2018.
Discover what tools are enabling companies to achieve agile development and how to easily get started with them.
Learn how you can utilize Oracle Cloud to accelerate the development of web, mobile, and enterprise applications while dramatically simplifying your IT environment.
See how Trek Bicycles used Oracle Cloud Platform to develop a mobile app that enabled their dealers to easily file customer claims and keep moving forward.
Veritone, an AI company, needs extreme data processing to handle massive amounts of data. Find out how they improved developer productivity, greatly increased customer satisfaction, and hastened their time to market with Oracle Pipelines.
Hear how University of Adelaide uses Oracle Intelligent Bots to automate inquiries for ATAR scores, drastically reducing the burden on its contact center and improving the digital experience for students.
Kumar Thakur, principal architect at Exelon, an American Fortune 100 utilities company, discusses how they rapidly developed an intelligent chatbot that reaches millions of consumers across the East Coast.


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Objet 3D Printer Solutions for Rapid Prototyping
OPS are the UK and Ireland's official distributor of Objet 3D printers. Based in the centre of the UK, we provide sales of Objet Desktop, Eden and Connex 3D printing solutions.
Objet printers are the latest step in rapid prototyping. They provide a faster, more cost effective and cleaner alternative to traditional rapid prototyping solutions. This performance is more than matched by their quality, with industry-leading 16 micron print layers, meaning a smoother finish and higher accuracy. If you are looking for a cost-effective, fast, high quality system, the case is closed.
Want to know more about the incredible models that Objet machines can produce? Then just call us on +44 (0)1283 585955 for a free rapid prototype from your own 3D CAD output.
Objet's strategy is not to dominate a market, but to provide every 3D printer user with the edge to dominate in his own market. They have the accuracy and resolution needed for defence and medical applications, the smoothness and complexity to impress makers of jewellery and toys. Electronics, sporting goods - any application where an object is designed, refined, produced for a customer to use benefits from the prototyping technology of an Objet 3D printer.
3D Printing
Before the advent of Computer Aided Design (CAD) or 3D printing, time-to-market was a footrace for everyone. CAD systems cut a lot of time out of the process, and those who implemented it took the lead. Objet offers manufacturers worldwide another opportunity to move forward with rapid prototyping thanks to their 3D printing technology.
Rapid Prototyping
Rapid prototyping refers to the production of a model by mechanical means rather than manual creation, greatly reducing the time required to translate a design into a market-ready product. Objet is at the forefront of this new wave, and users of its 3D printers will leap ahead of their competitors.
Objet 3D printing solutions greatly reduce the time required to produce a model by directly translating a design into a mechanically produced model that is ready for testing, even using more than one material. This is rapid prototyping, done in a unit that can be placed directly in the work area of the designer, allowing greater collaboration between designers, marketers and corporate decision-makers. In a design environment equipped with Objet 3D printers, an idea can be thoroughly vetted before any investment is made in complex injection molds or other risky manufacturing processes.
Objet 3D printers are already used around the world. Wherever a product is manufactured, designs can be produced on its 3D printers and tested in the same facility. The ability to perform rapid prototyping with multiple materials also means, for example, that a cover may be produced along with its gasket, and immediately checked for a fit in the product that is being manufactured. A hinge is created that pivots right out of the machine, or a rigid part comes out already coated with a layer of a flexible, more touch-friendly material. In this way, changes can be implemented quickly and with minimal cost and downtime.


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Navigating the Diabetes Care Landscape
Nowadays, searching for the right medical care is much more complicated than simply picking the right physician. Many barriers stand in the way of good medical care, and chief among them is navigating the complex organization of resources that insurance providers make available to insured people.
People with diabetes face an even more significant challenge when trying to build a good healthcare team. In addition to finding the right primary care physician with enough experience to understand the special needs of people with diabetes, it's also necessary to make sure they can refer you to specialists that will work together to provide the most comprehensive care possible, and prevent complications.
So what can you do to figure out how to make the healthcare system work for you? Start with these 3 easy tips.
Be your own diabetes advocate. Perhaps the single most important aspect of getting the right medical care these days is being able to ask for the service you deserve. Try to find an insurer that supports preventive measures so that you don't have to worry about long-term complications. Preventive measures can include diabetes education sessions with a Certified Diabetes Educator, meeting with a dietitian, or scheduling a session with an exercise physiologist in order to get advice on meeting fitness goals. All of these educational offerings are available at The Joslin Diabetes Center.
Visualize "the big picture." Diabetes affects all aspects of your life, from your kidneys to blood pressure and vision. It is important that your healthcare providers understand that they need to stay in touch about your care. "What we're really advocating is a holistic approach, focused on preventing problems," says Dr. Richard Jackson, of the Joslin Diabetes Center. At Joslin, this kind of care is standard. If you're not able to visit Joslin or one of its 13 affiliates, try finding a primary care physician who can refer you to a diabetes specialist in your area.
Understand your health coverage. This may sound simple, but if you have to select a new health plan for any reason, you should make sure that your current physician is in your network, or find someone in the new network that comes recommended. If you have questions, talk to your insurance provider, or speak with your current healthcare team to see if they take your new insurance.
Related Links
Questions to Ask New Insurance Providers
What co-pays and deductibles are required in the health plan I am considering? How do these differ with physicians I may see who are "out of network?"
Does my new insurance plan cover such things as diabetes education, weight loss programs, or appointments with dietitians, such as those offered at Joslin?
What coverage is provided for medical supplies such as blood sugar monitoring equipment and supplies?
Page last updated: November 07, 2019


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IMF's Lagarde Won't Speak at Smith, Part of a Growing List
Protests by Students, Faculty Have Derailed Several Commencement Addresses This Spring
The head of the International Monetary Fund on Monday joined an elite group—those whose plans to give commencement addresses this graduation season were derailed by student or faculty protests.
Christine Lagarde, managing director of the IMF, was scheduled to speak this coming Sunday at Smith College, but she withdrew her name after nearly 500 people signed a petition objecting to the policies of the IMF. Similar outcries foiled speaking engagements by former National Security Adviser Condoleezza Rice at Rutgers University...


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A Collection of Coaching Beginner Hockey Skills & Drills In A Day For Dummies Images
Sometimes it's tough to see the details of the images in your e-reader of choice. To get a closer look at the images included in Coaching Beginner Hockey Drills & Skills In A Day For Dummies, check out this gallery. The images appear in the order that they appear in the book.


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Livin' Lite Recreational Vehicles LLC this week is moving into a new 35,000-square-foot factory in Wakarusa, Ind., which replaces a temporary plant nearby that the company had been using to build RVs since an October fire destroyed Livin' Lite's production facility.
"It's going to be like the Taj Mahal for us," said Livin' Lite President Scott Tuttle. "We built it from scratch and we built it for our own needs, which is one blessing that came out of the fire."
The new factory contains separate production lines for Livin' Lite's all-aluminum Quicksilver folding camping trailers and VRV cargo trailers and aluminum-and-composite Camp Lite travel trailers.
An Oct. 1 electrical fire in a Wakarusa factory that Livin' Lite had moved into just that day destroyed most of the company's production equipment.
"The timing for moving into the new factory couldn't be better because (demand for) our product is virtually exploding," Tuttle said. "The biggest problem we have right now is there is more retail demand than we have dealers out there.
"In some cases, we are having to tell customers that the closest Livin' Lite dealer is two states away. Colorado is my No. 1 state for leads and I don't have a dealer there."
Tuttle said that the RV industry has yet to come to terms with the emerging market for 'automotive campers' such as the lightweight Quicksilver that can be towed by small passenger cars and minivans. For instance, the recently introduced 6 1/2-foot long Quicksilver 6.0, one of six Quicksilver floorplans, has a 620-pound dry weight.
"This is whole new market and there are millions and millions of people out there who want to go camping but they are not going to buy a truck or SUV to tow an RV," Tuttle said.
With traditional RV dealers reluctant to add Quicksilver to their inventories, Tuttle is turning to motorsports and cargo trailer dealers to stock his product.
Tuttle said that even during the RV industry's downturn, demand for lightweight equipment for entry-level campers has been on the increase.
"We have been working six days a week this month in order to try to keep up with product demand," said Tuttle, adding that June also produced Livin' Lites' two largest revenue weeks since the company's founding in 2002.


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Say you want to hear the "Frozen" sound track, the Lorde album, or "The Phantom of the Opera."
Maybe there's time to catch up on movies. Did you get around to seeing "The King's Speech"? Or listen to "12 Years a Slave" on an audiobook.
It's all free, a wealth of entertainment and information — if you have a smartphone, tablet or computer and a Sno-Isle Libraries card.
On Thursday, Sno-Isle Libraries launched a new partnership with Hoopla Digital, a service that works with libraries to provide online and mobile access to movies, TV shows, music and audiobooks. By signing up with a Sno-Isle library card — a personal identification number is needed — people can borrow, instantly stream and download thousands of titles.
The content is available by downloading Hoopla's free mobile applications for Android or Apple devices, or online at www.hoopladigital.com.
Unlike regular books or e-books checked out through Sno-Isle Libraries, the collection's titles are always available.
"If a new Grisham book came out, there might be 10 copies and 150 holds. Our program is simultaneous access. There's no waiting," said Jeff Jankowski, founder and owner. "It really empowers the card holder. There is no gatekeeper."
There are time limits. "Each format is different," Jankowski said Wednesday. For a film or TV show, users can keep it three days. The limit is seven days for music albums, and 21 days for audiobooks. An automatic return feature means no late fees.
Hoopla Digital, which has been called "Netflix for libraries," is part of Midwest Tape, LLC, an Ohio-based company that has distributed audio and video products to libraries since 1989. More than 250 libraries already use Hoopla, among them the Boston Public Library, the Los Angeles Public Library, and in our state, the Pierce County Library System, Spokane County Library and others.
Jankowski said Hoopla works with 150 content providers, among them the Warner Music Group, Warner Home Video, MGM, BBC Worldwide and NBCUniversal.
"We don't charge the library any annual fees or subscription fees. The only time there's a charge is when somebody borrows an item," Jankowski said. Those charges — which depend on contractual agreements with content providers — are shared by Hoopla and the libraries using the service.
"People have a universe of things to choose from," said Jim McCluskey, collection development assistant manager for Sno-Isle Libraries. "If they wish to borrow something, that's the point the library would pay."
McCluskey didn't say the cost to the library per item borrowed. He said it would be covered by the library system's material budget. "We are trying it this year, and we will see about continued funding," he said.
Jankowski is proud of Hoopla's offerings. "It's changing all the time, and we're adding new titles every week," he said.
Already, there's a lot to enjoy.
"We have an eclectic mix, with 12,000 video titles — 'The Big Lebowski' to Deepak Chopra. And 80 percent is not available on Netflix," said Jankowski, adding that Hoopla has many offerings that aired on PBS. There are 12,000 audio books, not only best-sellers such as "Divergent," but nonfiction and educational titles.
Music is Hoopla's largest collection, with 150,000 albums. "We have new music the same days the stores have it," Jankowski said. "Coldplay is coming out with a new album May 19, and we'll have it on Hoopla the same day. You can get an entire album to see if you want to buy it."
Libraries have come a long way since I rode my bike to the Spokane Public Library's Manito Branch to check out books.
"We want to offer people as many choices as we possibly can, whether it's a novel they hold in their hand or listen to through their phone," McCluskey said.
Julie Muhlstein: 425-339-3460; firstname.lastname@example.com.
About hoopla
The Hoopla Digital collection of movies, TV shows, music and audio books is available for free through Sno-Isle Libraries. Borrowers may keep a movie or video three days, music for seven days, and an audio book 21 days. Learn more at www.sno-isle.org or www.hoopladigital.com


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HIP 30920 is the nearest star to our solar system in the constellation of Monoceros. It is located at a distance of about 13.5 light years from our Solar System. It would take a spaceship 1 year per light year distance at the speed of light. A light year is the distance that light travels in a year which is about 5.88 trillion miles.
We currently do not have any spaceship that is capable of travelling that fast. The fastest man made object is the New Horizons probe which would take 54,000 years to reach the nearest star, 4.3 light years away.
HIP 30920 has an apparent magnitude of 11.12. Apparent magnitude is a measure of how bright the object is as seen on Earth. The smaller the number, the brighter the star is. for comparison reasons, the Sun's apparent magnitude is -26.74. The dimmest star that we can see without the help of a pair of binoculars or telescope for the record is 6/6.5
The star is a red main sequence dwarf star star based on the spectral type of the star.
There's no register feature and no need to give an email address if you don't need to. All messages will be reviewed before being displayed. Comments may be merged or altered slightly such as if an email address is given in the main body of the comment.
You can decline to give a name which if that is the case, the comment will be attributed to a random star. A name is preferred even if its a random made up one by yourself.


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Theorem. Every Manifold is locally compact.
This is a problem in Spivak's Differential Geometry.
However, don't know how to prove it. It gives no hints and I don't know if there is so stupidly easy way or it's really complex.
I good example is the fact that Heine Borel Theorem, I would have no clue on how to prove it if I didn't see the proof.
So can someone give me hints. I suppose if it's local, then does this imply that it's homeomorphic to some bounded subset of a Euclidean Space?


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Queer 101: An Introduction to LGBTQ+ Identities
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On Friday night, the Baltimore Symphony Orchestra's gave, note for note, one of the most thoroughly absorbing and emotionally powerful performances of an all-Russian program since the glory days of all-Russian programs with former music director Yuri Temirkanov.
Although non-Russians can certainly shine in music from that country, as we have witnessed locally in some hot BSO concerts led by Marin Alsop, Juanjo Mena and others, Russians do tend to touch some deeper nerve.
Making his BSO debut, Moscow-born conductor Dima Slobodeniouk had the orchestra sounding all fired up at Meyerhoff Hall in some pretty tough repertoire that included the long, draining Symphony No. 11, "The Year 1905," by Shostakovich.
Slobodeniouk had the advantage of working with an orchestra that not only retains memories of Temirkanov's approach to Shostakovich, but, during Alsop's tenure at the helm, has also gained steadily in technical discipline and tonal cohesiveness. The result was a tense, incendiary account of a symphony that speaks as powerfully to the past as to the present.
In commemorating the dreadful attack on unarmed workers who sought to deliver a petition to the czar in St. Petersburg in January 1905, Shostakovich managed, intentionally or not, to depict the continuing evil of authoritarian rule, the ever-present threat against those seeking a voice, a touch of freedom and fairness.
The message comes through hauntingly in the finale, when Shostakovich suddenly brings back the hushed, ominous sounds of the symphony's start, the sounds depicting the palace square before the marchers arrived.
In that reprise, the composer reminds us that the process of struggling against tyranny keeps repeating. It was a message relevant to the Soviets when the Eleventh Symphony was premiered in 1957, and just as relevant in today's Russian, when criticism is so quickly, often brutally, suppressed.
Slobodeniouk's calm, clean direction helped hold the sprawling symphony tightly together, ensuring that even the softest, slowest-moving passages had a compelling edge. (You could tell by the gradually diminishing coughs in the hall that the audience was getting as involved as the orchestra was.)
Among the highlights of the performance: The expertly judged crescendos as the second movement evoked the build-up to violence in the square; the barely audible sounds from the lower strings in the third movement's eulogy; the jolts from the brass and percussion sections when the symphony was at its most explosive.
Like the late Mstislav Rostropovich used to do when conducting this symphony, Slobodeniouk allowed the final bell clang in the piece to resonate long after the rest of the orchestra fell silent, a terrific effect. (Some in the audience weren't expecting that, so a smattering of premature applause broke out; the conductor might want to try keeping his arm raised next time as a signal to hold on.)
Rachmaninoff dominated the first half of the program, and not over-exposed Rachmaninoff. His Piano Concerto No. 4, like No. 1, remains on the sidelines, lacking the kind of ear-worms that makes the second and third concertos so popular. But this is an endlessly fascinating score, rich in ideas and sonic brilliance.
Macedonian pianist Simon Trpceski, in a welcome return to the BSO, tackled the work with tireless bravura and keen musicality. His scintillant articulation in the third movement was but one memorable effect in a performance full of color and expressive flair. Trpceski enjoyed supple collaboration with conductor and orchestra
The evening opened with an early orchestral piece, "The Rock," which reveals Rachmaninoff's debt to Tchaikovsky (especially the "Manfred" Symphony). Slobodeniouk had the atmospheric music unfolding with a good deal of character. A little raw intonation aside, the BSO did solid work.