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Why Denmark Is not Part of the Eurozone
Why Denmark Is not Part of the Eurozone
Denmark as a country in Europe with a population around 5.8 million people and with a GDP per capita of more than 60 thousand dollars. Since 1973, Denmark has been a part European Union, which at that time was called the "European Community." Despite being a part of EU, Denmark is not a part of Eurozone, and it looks like Denmark won't be joining any time soon.
The Voters Say No
According to the public opinion surveys in the European Union (research held in Spring 2018) only 29% of Danish responders were in favor of accepting the Euro as potential National currency. EU-wide, this number was 61%. The vast majority — 65 percent — of Danish responders were against monetary union. EU-wide, this number was 32 percent. The only area where the Danish are in line with European average is the 6% of respondents that do not have opinion on that topic.1
Moreover, in Danish modern history two referendums have taken place in regards to Euro implementation. The first referendum was held in June 2, 1992 and was a "proxy referendum." The vote was for or against ratification of the Maastricht Treaty, which established the Economic and Monetary Union of the European Union. The idea of the Maastricht Treaty was minimally rejected by Danish voters — 50.7 percent of the voters were against while 49.3 percent where in favor. The rejected referendum had impacted further negotiations, leading to the Danish-government negotiating limitations on EU mandatesknown as the Danish Opt-outs. One of these opt-outs was the decision to not adopt the europ. In 2000, Danish voters voted on whether or not the country should join the euro zone or stay with its national currency the Danish krone. The measure was rejected by 53.2 percent of voters.
Why There is Opposition
One advantage to joiuning the euro zone would be a decrease of the interests rates on Danish government bonds, despite the fact that since 2014, the interest rate of 10 years government bond is below 1%. (Denmark's government bonds are rated with rating AAA with stable outlook.)
On the other hand, a disadvantage of adopting the euro — as the voters see it — would be a loss of domestic control over monetary policy. However, under current policy, the independence of the Danish krone is only an illusion. Since 1982 ,the currency of Denmark has had fixed exchange rate with the German mark. When the mark was changed to the euro, the Danish central bank joined the ERM II (European Exchange Rate Mechanism). This mechanism fixes the currency exchange rate at 1 euro to 7.460 Danish krone with the possibility of fluctuation of 2.25 percent. Naturally, this limits the independence of the Danish central bank. Each deviation above or below 2.25 percent triggers intervention by the Danish Central Bank.
By the standards of the EU itself, Denmark is more than qualified to join the euro zone. All the criteria have been met, including the inflation rate, the size of the budget deficit, the Debt-to-GDP ratio, and more. But it looks like the Danish voters are not yet prepared to hand over control of monetary policy to the EU's central bankers.
Further reading:
- "Danish Central Bank Stumbles with Its Currency Peg to the Euro" by Uffe Merrild.
- "Whither the Euro?" by Hans Sennholz
- The Tragedy of the Euro by Philipp Bagus
- 1. "Standard Eurobarometer" Spring 2018, European Commission
How Austrian Economics Helps Entrepreneurs Understand The Mind Of The Customer
On the Mises Institute's Economics For Entrepreneurs podcast, Dr. Per Bylund has stated more than once that entrepreneurs who can develop an understanding of both the laws of economics and the mind of the customer can thereby create a competitive advantage and a successful business.
The laws of economics he refers to are the principles of Austrian economics, including customer sovereignty, subjective value, and dynamic flexibility in resource allocation. Our podcast has covered these and many more from the entrepreneurial perspective. We pursue a value-dominant logic: that the role of the entrepreneur is to facilitate valued customer experiences; that value is in the mind of the customer; and that the tools of value facilitation for the entrepreneur are empathic diagnosis and imaginative innovation.
In other words, entrepreneurs need to understand the mind of the customer. Does this mean that we are crossing over some demarcation line between economics and psychology? Not at all. Economics seeks to explain why economic actors behave in the ways we observe them behaving. What motivates them? What incentives are at work? How do they make choices? The answers to these questions can form the building blocks of entrepreneurial success.
The analytical tools for the construction of an understanding of the mind of the customer are all freely available from the Austrian economics canon. In a new e-book, Understanding The Mind Of The Customer, a publication of the Mises Institute's Mises For Business project, we offer an ordered presentation of some of the most important of these tools for entrepreneurs.
The Means-Ends Ladder
People select the means that they judge will best help them achieve their self-selected ends. It's helpful for entrepreneurs to visualize the means-ends progression as a ladder or a pyramid. At the top are the ultimate ends that people pursue. Those ends are always values that they hold dear — values such as "a life of comfort" or "family security". They are not material. People buy material things because they make a judgment about how those things will contribute to a feeling or an experience they value.
Just below the highest values on the means-ends ladder for consumers are the emotional benefits experience as a result of consuming an offering from an entrepreneur. These benefits are feelings, and it is through feelings that consumers experience economic value. For a consumer of a cola beverage, the emotional benefit might be feeling refreshed or energized or even joyful. If the beverage is consumed in a group setting, there might be a feeling of bonding or shared fun. Feeling better is a benefit that consumers seek from all their economic transactions. Feeling better is a means towards the achievement of higher values.
Supporting the emotional benefits, in the sense of occurring before them on the means-end ladder, are functional benefits. To continue with the cola beverage analogy, these might be good taste, and a distinctively enjoyable carbonated mouthfeel. The beverage container might be particularly convenient, and it may cool quickly in a refrigerator. The functional benefits are the means for the consumer to experience the associated emotional benefits.
The functional benefits result from features and attributes of the product or service itself. The consumer experiences these via sense perception, and they enable — are the means to — the experience of the higher-level benefits.
The base of the means-end ladder is the assortment of contact points at which the entrepreneur can make the consumer aware of the offering that will eventually escalate them through all these rungs of the means-end ladder. Contact points might include a retail store, or online advertising, or a coupon in the mail or word of mouth recommendation.
The means-end ladder is a business tool built on Austrian causal-realist logic. Stripping away the academic terminology, we can provide entrepreneurs with a useful tool with which to analyze the mind of the consumer when they contemplate, choose, consume and experience an economic good.
The Subjective Value Cycle
Subjective value is an important subject in economics. It's even more important in entrepreneurship, where it is fundamental to what entrepreneurs do. It's the critical factor in entrepreneurial success. Business schools talk about "creating value" and "value added" as if value creation were an objective process. But it's not. And businesses can fail if they misunderstand subjective value, because they can easily produce something for which there is no market.
Value lies entirely in the mind of the consumer or customer. Therefore, the task of the entrepreneur is to try to understand consumers' feelings and preferences, and to design a value experience — an experience in which the consumer will achieve desired ends by utilizing means made available by the entrepreneur. Ends are individually selected, and the entrepreneur can not forecast the ends for which a value proposition might be utilized. Value is uncertain.
Utilizing empathic diagnosis to give dimension to (some) customers' ends, the entrepreneur designs a potential consumer experience — a good or service that is unique — for validation. Using economic calculation and resource assembly, the entrepreneur advances the design to the marketplace at a cost that he or she believes will yield a profit because the value it represents to the customer is greater than the price the consumer will pay, which is, in turn, higher than the production cost.
If the consumer does, indeed, experience value, the entrepreneur is encouraged to produce more and spread the word to additional consumers of the opportunity to experience value. Advertising and marketing are fundamental to the value formation system. More consumers experience the value, and spread the word even further. Some make suggestions about further improvements to the experience, which the entrepreneur can attempt to incorporate in future iterations. The process continues endlessly and the entrepreneur and the consumer practice continuous dynamism.
The subjective value cycle is a system of value formation. Our free e-book provides a map of the system for entrepreneurs to follow.
Values As A Basis for Brand-Building
People adopt values as ends in themselves, and as a signpost for prioritizing their preferences and choices. Entrepreneurs who fully understand and embrace consumers' system of values can create strong brands — forms of advantaged intellectual property — and build strong relationships of loyalty and preference for their offerings.
What are the values that consumers hold so dear? Milton Rokeach was an American sociologist who wrote The Nature Of Human Values, reporting on his extensive research. There are 18 values that are classified as the "highest" that people strive for — they define people's lives. They include Freedom, Family Security, A Sense Of Achievement, Wisdom, Pleasure, and 13 more.
In addition, Rokeach also identified 18 instrumental values: guides to their behavior when they are pursuing their ends, and a signpost for prioritizing their preferences and choices.
Entrepreneurs who can identify the values that guide customers' choices can be more accurate in designing and communicating the ways that their offerings fit into people's lives. When consumers recognize their own values embedded in brands and branded communications, a strong bond is created.
Empathy For Entrepreneurs
Empathy is the most important skill in entrepreneurship, and it is critical to achieving the uniqueness that characterizes successful entrepreneurial offerings. Uniqueness is a characteristic of customer perception, and empathy helps entrepreneurs to define and understand others' perception.
Empathy is a human action: the action of understanding and even experiencing the feelings, thoughts and experience of another. Entrepreneurs employ it to understand subjective needs, dissatisfaction and unease among target customers — with a view to meeting the need, resolving the dissatisfaction and ending the unease. Entrepreneurs begin the value design process with an empathic diagnosis.
The new e-book provides a detailed description of the use of an empathic diagnosis tool called a Contextual In-Depth Interview. Understanding consumer feelings in the consumer's own context is the key to diagnostic accuracy. Processing the results from the diagnosis will help the entrepreneur to improve consumer experience functionally, cognitively and emotionally. Consumers can be confident of a future feeling of betterment because of the empathy
the entrepreneur has exercised in developing an understanding of them, their dissatisfactions and their unique individual preferences. The entrepreneurial system is best for everyone because it's based on empathy.
The Customer's Opportunity Cost
Entrepreneurs are not in competition with other entrepreneurs. Rather, they compete with the customer's opportunity cost. Opportunity cost is what the customer gives up in order to purchase your offering. Is that a direct substitute? An indirect substitute? Or a different use of the same dollars? ("Does she buy the dress or buy the handbag?") Or, quite possibly, non-purchase or savings. Understanding the customer's opportunity cost is an important part of making a sale.
Successful entrepreneurs train themselves to see opportunity costs in the way the consumer sees them. To do so, entrepreneurs can employ an opportunity cost calculator. It solves an equation: consumer value = the value of what the entrepreneur is offering minus
the customer's perceived opportunity cost of acquiring it. The consumer's cost is not only in dollars (and their alternative uses for these dollars) but also in the time and effort and convenience and fun of making the transaction.
The entrepreneur applies the discipline of the opportunity cost calculator for every potential consumer transaction.
Customer Journey Mapping
There is a technique to compress all of this Austrian entrepreneurship thinking into a single analytical tool: the customer journey map. This technique decomposes a customer's purchase and usage of a service into a series of stages, and asks the question, "What is the customer doing, thinking, experiencing and feeling at each stage?"
This technique is a sound application of Austrian economics. It starts with human action — what is the observed behavior? Then, it asks about motivation (why did they act?). Finally, it examines the consequences of the action — customer experience — and tries to probe the emotional benefit, defined as feeling.
Customer journey mapping enables the kind of negative feedback that is most useful in the service improvement process. Does the customer's experience fall short? When? At what stage? Why? Under what circumstances? All of these negative feedback hooks can be pointed towards opportunities to improve, further enabling the dynamic entrepreneurial system of betterment.
A Valuable Bundle of Tools and Techniques
Our Understanding The Mind Of The Customer e-book describes these six techniques, with accompanying tools, either in the text or via e-links. You can preview one chapter , and, if you would like to receive more, we'll send it via e-mail to a valid address.
Why a "Crypto-Yuan" Won't Threaten the Dollar
A state-owned cryptocurrency is, in itself, a contradiction in terms. The main reason why citizens want to use cryptocurrencies or gold is precisely to avoid the government or central bank monopoly of money.
For a currency to be a world reserve of value, widespread means of exchange and unit of measure, there are many things that need to happen, but the first pillar of a world reserve currency is stability and transparency.
China cannot disrupt the global monetary system and dethrone the US dollar when it has one of the world's tightest capital control systems, a lack of separation of powers and weak transparency in its own financial system.
The U.S. dollar is the most traded currency in the world, and growing according to the Bank of International Settlement. The Yuan is 4% of the currency trade. This is because the financial balance of the US is the strongest, legal and investor security is one of the strongest in the world, and the currency and capital markets are open and transparent.
Unfortunately for China, the idea of a gold-backed cryptocurrency starts from the wrong premise. China's own currency, the Yuan, is not backed by either global use nor gold. At all. China's total gold reserves are less than 0.25% of its money supply. Many say that we do not know the real extent of China's gold reserves. However, this goes back to my previous point. What confidence is the world going to have on a currency where the real level of gold reserves is simply a guess? Furthermore, why would any serious government under-report its gold reserves if it wants to be a safe haven, reserve status currency? It makes no sense.
The Yuan is as unsupported as any fiat currency, like the U.S. dollar, but much less traded and used as a store of value. As such, a cryptocurrency would not be backed by gold either. Even if the government said it was, and deployed all its reserves to the cryptocurrency, what confidence does the investor have that such backing will be guaranteed when the evidence is that even Chinese citizens have enormous limits to access their own savings in gold?
China's gold reserves are an insignificant fraction of its money supply. Its biggest weakness comes from capital controls, lack of open and independent institutions safeguarding investors and constant intervention in its financial market.
China's Yuan may become a world reserve currency one day. It will never happen while capital controls remain and legal-investor security is limited.
Originally published at DLacalle.com
Economists Are Still Hooked on the Myth that Saving Is Bad for the Economy
According to new data from the US Bureau of Economic Analysis, the personal saving rate in the US in September 2019 was 8.3 percent. That puts it near a six-year high, and comparable to the saving rate we saw during the early 1990s.
Indeed, the personal saving rate has been heading upward steadily for the past eighteen months. And that's a bit of an unusual thing. For at least the past fifty years, the saving rate has tended to increase when the economy is doing poorly, and decrease when the economy is doing well.
We saw this in the last 1970 and early eighties during the age of stagflation and the 1982 recession. We certainly saw it in the wake of the 2008 financial crisis, when the saving rate quickly rose from a near-low of 3.8 percent in August 2008, more than doubling to 8.2 percent during may of 2009.
But if the BEA's numbers are correct, that pattern appears to be over, and Americans appear to be more willing to save even when job growth continues to head upward.
This change could be a result of several factors. It could be Americans are less confident about their prospects for future earnings, even if the current job situation appears bright. Many could be less confident that the assets they do have will provide a cushion in case of crisis. For example, many Americans may have learned their lesson about the myth that "housing prices always go up."
The fact that these numbers are averages makes it especially hard to guess. After all, surveys suggests a very large numbers of Americans are saving very little.
For example, CNBC reported in January that "Just 40 percent of Americans are able to cover an unexpected $1,000 expense, such as an emergency room visit or car repair, with their savings..."
A separate survey "found that 58 percent of respondents had less than $1,000 saved."
Regardless of who is doing it, however, increased saving can be a good thing for the economy overall. For instance, even if only the rich are the ones saving more, their saving increases the amount of loanable funds, decreasing the interest rate, and making lenders more likely to lend to riskier borrowers. That's good for farmers and small business owners.
Moreover, as the wealthy refrain from spending, they increase the value of cash held and spent by people at all income levels. For example, if the rich are spending less on restaurant meals and pickup trucks, this means the prices for those items are not being bid up as much. When the rich save, that means fewer dollars chasing goods and services, which can lead to more stable, or even falling prices. That can be good for many people at lower income levels.
Nonetheless, many mainstream economists continue to get hung up on the idea that saving "too much" hampers economic growth. For example, in a recent article at the Wall Street Journal titled "Americans Are Saving More, and That Isn't Necessarily Good" Paul Kiernan writes:
if saving outstrips investment opportunities for a long time, some economists say, it can hold down interest rates, inflation and economic growth. Such "secular stagnation" may leave less room to cut interest rates, making it harder for the Federal Reserve to boost growth during downturns.
"Rather than being a virtue, saving becomes a vice," said Gauti Eggertsson, an economist at Brown University.
This is an old story we've been hearing for years, and the idea that there is too much saving certainly received its share of promotion during the 2001-2002 recession, and during the 2007-2009 recession.
Economists do recognize that more saving helps increase loanable funds — and thus puts downward pressure on interests rates — and reduces inflation. But more saving does not, as they think, reduce real economic growth.
True, it might reduce economic growth as measured by government stats which mostly just add up money transactions. But properly understood, economic growth increases with saving, because the capital stock is increasing, making it easier for entrepreneurs to deliver new goods and services — and more goods and services — to consumers. As Frank Shostak explains, we need more saving to create more and better goods:
What limits the production growth of goods and services is the introduction of better tools and machinery (i.e., capital goods), which raises worker productivity. Tools and machinery are not readily available; they must be made. In order to make them, people must allocate consumer goods and services that will sustain those individuals engaged in the production of tools and machinery.
This allocation of consumer goods and services is what savings is all about. Note that savings become possible once some individuals have agreed to transfer some of their present goods to individuals that are engaged in the production of tools and machinery. Obviously, they do not transfer these goods for free, but in return for a greater quantity of goods in the future. According to Mises, "Production of goods ready for consumption requires the use of capital goods, that is, of tools and of half-finished material. Capital comes into existence by saving, i.e., temporary abstention from consumption."
The common view among many economists today, however, is that it's better for economic growth to make sure more people spend every last dime on trinkets at the discount store. Those who have been around long enough to remember previous business cycles will remember that this idea manifests itself during times of recession as pundits insist it's our patriotic duty to spend more, in order to create economic growth.
In truth, in a time like today, the best thing people can do is save more. We live in a time of multiple economic bubbles and non-productive sectors of the economy fueled by inflationary monetary policy. When recession finally does come, vast amounts of debt will never get paid back and immense numbers of "assets" held on balance sheets will evaporate. The result will be a lot of lost jobs and a lot of failed businesses. The only real cushion will be real savings which will be badly needed in a time of recession.
A Note on Asset Prices, Wealth, and Inequality
Warren and Sanders et al. are misled by the government's inflation of the money supply into believing that the stagnation and decline of our economic system in recent decades is the result of growing economic inequality.
The truth is that both the appearance of increasing wealth of the rich and the reality of declining actual wealth are the result of the government's pouring new and additional money into the stock and real estate markets, where the effect is to raise prices.
Since the rich own far more stock and real estate than the average person, the effect of this rise in prices is that economic inequality appears to increase. (Somehow the sharp declines in apparent economic inequality that necessarily accompany market busts, are not reported.)
While the rich appear to gain because of the rise in the prices of their assets, in reality they lose.
This is because the taxation of their profits on the sale of stocks and real estate prevents the funds accruing to them from keeping pace with the rise in prices. Their funds grow only to the extent of what remains after the payment of taxes.
For example, imagine that the infusion of new and additional money into the stock and real estate markets increases prices there by 10%. Originally, one had an asset worth $1 million. Now it can be sold for $1.1 million.
But if the capital gains tax is 25%, the seller ends up with only $1.075 million, a 7.5% gain, while the prices of the assets available for him to purchase have increased by 10% on average.
This is a major way in which inflation — the government's expansion of the money supply — destroys an economic system. It creates the appearance of business prosperity along with the fact of general impoverishment, which results in blaming poverty on business and profits.
The Problem with the Wealth Tax
One "solution" to inequality — put forth by Elizabeth Warren — is the wealth tax. Warren advocates a wealth tax that every year would take away 2% of the wealth of everyone worth more than $50 million, and 3% of the wealth of everyone worth more than $1 billion. This taxing away of capital means less means of production and thus less production and higher prices. At the same time, it means less demand for labor and thus lower wages. Elizabeth Warren's program is a call for mass impoverishment. And the same is true of the essentially similar programs of her fellow haters of the rich, such as Bernie Sanders and Ocasio-Cortez.
Austrian Perspectives on Entrepreneurship, Strategy, and Organization, by Foss, Klein, and McCaffrey, Available Free for a Limited Time
We are happy to announce a new book by Nicolai J. Foss, Peter G. Klein, and Matthew McCaffrey, Austrian perspectives on Entrepreneurship, Strategy, and Organization, now available from Cambridge University Press. This short volume is a concise introduction to the work that's been done over the past few decades applying and extending the ideas of Austrian economics in the management disciplines. It's well-known that Austrian economics places entrepreneurship at the heart of economic theory, but Austrian work, especially the ideas of writers like Mises, also has a lot to offer scholars in disciplines like strategy and organization studies. The table of contents is as follows:
- Introduction
- What is Austrian Economics?
- Entrepreneurship
- Extensions of Entrepreneurship Theory
- Strategy in an Entrepreneurial Perspective
- The Entrepreneurial Nature of the Firm
- The Future of Austrian Economics in Management Research
Most important, the book is available free of charge until November 18th, so be sure to check it out!
The Fed Looks Increasingly Concerned About Liquidity and Growth — Even If it Says Otherwise
The Federal Reserve lowered its benchmark interest rate on Wednesday, cutting the target federal funds rate by 0.25 percent to a range of 0.5 to 0.75 percent.
The Fed's rate-setting committee, the FOMC, has now cut rates three times this year. The committee's rhetoric around the rate cut was the usual routine. The committee's statement indicated that " labor market remains strong and that economic activity has been rising at a moderate rate." But the official statement says something similar nearly every time the committee meets. So, there is no information here to suggests why the committee is cutting now versus all the other times the labor market is "strong" and economic strength is "moderate."
Two members of the committee voted against the cut: Esther L. George and Eric S. Rosengren.
Rosengren voted against the measure because he wanted a bigger ate cut. George, like her predecessor Thomas Hoenig at the Kansas City Fed, is relatively hawkish — although not the extent Hoenig was.
Thus, George noted in response to the rate cut: "While weakness in manufacturing and business investment is evident, it is not clear that monetary policy is the appropriate tool to offset the risks faced by businesses in those sectors when weighted against the costs that could be associated with such action."
In other words, George recognizes that, yes, there are downsides to expansionary monetary policy.
Although the Fed statements offer no insights, the fact the Fed continues to cut rates suggests it is working from a position of fear about the true strength of the economy. Although jobs data continues to point to expansion, a number of other indicators look less rosy. The Case-Shiller index, for example, has fallen to 2-percent growth, and appears to be headed toward zero. We have seen a similar dynamic since 2006. Moreover, new housing permit growth has been negative (year-over-year) in six of the last ten months. Tax receipt data has also been weak, with seven out of the last ten reported periods showing negative year-over-year growth.
It's true that other indicators point to strength, but if things are going so well, why cut rates?
After all, the target rate is already remarkably low even by the standards of the most recent expansion, when the Fed Funds rate was allowed to rise to over five percent.
The Fed has justified this ultra-low-rate policy with theories about the natural interest rate, and about the alleged need to keep prices at or above two-percent inflation.
The problem is that the Fed cannot actually observe the natural interest rate and the two-percent inflation standard is a completely arbitrary standard invented in recent years.
Nonetheless, the Fed continues to look relatively restrained compared to other central banks, to which its policies are in part a reaction. Other central banks have set a very low bar, to be sure, but the Fred nonetheless looks almost hawkish compared to the ECB and the Bank of Japan. Both are pursuing a negative-interest-rate policy, and even with the latest rate cut, the Fed's target rate also remains above that of the Bank of England, and equal with the Bank of Canada.
But the target rate is, of course, not the Fed's only policy tool. To address liquidity problems observed during the recent repo crisis, the Fed has stepped up purchases and added to its balance sheet.
And then there is the interest the Fed pays on reserves. On Wednesday, the FOMC also announced a cut to the interest rate "paid on required and excess reserve balances," dropping the rate from 1.8 percent to 1.55 percent, mirroring the drop in the fed funds rate.
This keeps the interest paid on reserves at 0.2 percent below the fed funds rate. That's the biggest gap we've seen since 2008, and it suggests the Fed wants more lending in the real economy, even though it's also apparently concerned about liquidity for banks.
This makes sense if we're in a late phase of the boom which brings increased demand for loans, but without sufficient savings and earnings at the street level to assure liquidity for banks through the marketplace. This is only a problem one encounters in an economy built on central-bank credit expansion. Central bankers no doubt are sure they can navigate these waters, but its unclear how long they can keep the current boom going.
Bitcoin's Past Accomplishments and Future Challenges
Oct. 31 marks the 11th anniversary of the release of the famous bitcoin whitepaper. It is worthwhile to take stock of the first crypto-currency's impressive achievements to date, while also warning of the future perils it faces.
Bitcoin has defied the critics repeatedly, being declared "dead" many times over. (In this respect it's appropriate that it was born on Halloween.) Although its price has been volatile, it's currently trading at a market cap of $170 billion — more than McDonald's, and comparable to CitiGroup.
Along the way, internecine battles led to a "hard fork" and the creation of "Bitcoin cash" (in August 2017), but the cryptocurrency community emerged wiser. As for the future, ironically a piece of otherwise good news — faster computing power — may pose serious problems if the promise of "quantum supremacy" should be fulfilled.
An estimated 5 percent of Americans hold bitcoin, and the global number of users is probably around 25 million. More impressive (and precise) details concern the financials: as of this writing, some 18 million bitcoins have been "mined" — the metaphorical term describing the procedure by which a new bitcoin becomes recognized as belonging to someone's address on the blockchain — and a single bitcoin currently fetches a market price of about $9,450. For something that critics derided as a tech fad that would soon evaporate, that's a rather impressive accomplishment.
Read more at The Hill
Why Income Is an Important Concept in Economics
At his entertaining blog, John Cochrane has a good thought experiment showing the flaws with conventional measures of income inequality. However, after making his great point, Cochrane summarizes by writing:
"Income" is really a fairly meaningless concept. We do not live in the Ancien Regime, or a Jane Austen novel in which people are described for life by the annual income they receive. Income varies a lot over a lifetime, and ebbs and flows for many. And "capital income" is not the same as earned income. The broad consensus theory of taxation states that capital income -- the rate of return you get to induce you to save some income for future consumption rather than to blow it all right away -- should not be taxed at all. It really isn't "income" in any meaningful sense. [Cochrane, bold added.]
I am amazed when economists, frustrated with arguments over inequality, conclude that the very concept of "income" itself is meaningless. Long-time readers may remember that I wrote a long article at Mises.org on the issue when Scott Sumner wrote an entire post arguing that "income" was a "meaningless, misleading, and pernicious concept." (What is it with the Chicago School that makes economists jettison the very concept of income?)
Contra Cochrane and Sumner, income is actually a critical concept. As Hayek explained in his Pure Theory of Capital, income can be defined as how much one can consume without depleting capital. All of these accounting relationships are of course integral to economic calculation, upon which—as Mises showed—civilization itself depends.
In this short blog post I won't give a full rebuttal and explanation of what income is, and how it relates to lifetime consumption (which Cochrane and Sumner do think is a meaningful concept—thank goodness). Interested readers can refer to my earlier piece. For our purposes here, let me just use an analogy to show why Cochrane and Sumner are overreacting. Imagine a PhD nutritionist surveying all the fad diet crazes and exclaiming:
"Weight" is really a fairly meaningless concept. We don't all have the same body types, and can't be described by a single number. Weight varies a lot over a lifetime, and ebbs and flows for many. And "fat weight" is not the same as "muscle weight." The broad consensus theory of health states that gaining muscle weight shouldn't be penalized at all. It really isn't "weight" in any meaningful sense.
Would the above make any sense at all? Would we excuse it by saying, "Oh, that nutritionist is just lashing out at the nonsense in the supermarket tabloids"? Of course not; we would just insist that the experts chide the novices for superficial discussions, and ask them for more nuanced analyses.
Likewise, just because politicians try to justify higher taxes through ludicrous abuses of statistics, doesn't mean the very concept of "income" is meaningless.
Dave Smith One-on-One with Jeff Deist
Cantillon and Me
As many of you know, I have been researching and writing about the economics of Irish economist and banker Richard Cantillon for over 20 years. He was the first to write a book about economic theory, circa 1730, coined the modern term entrepreneur, and the first to provide a supply and demand analysis of prices, as well as the basics of Austrian Business Cycle theory, along with many of the fundamental aspects of economic theory and beyond. In 2010, Chantal Saucier and I published a translation of his Essai into modern English.
I had a DNA done by Ancestry.com last year and it came back exactly as expected with the vast majority being "Irish or Scottish" and tiny amounts of western Europe and the Iberian peninsula. Today I received an update from Ancestry.com with a more refined analysis and it turns out that the majority of my DNA comes from the same place where Cantillon was born in the County Kerry area! Ancestry.com describes the area as a "perfect place for rebels and outlaws who sought refuge from British authority"!
Very satisfied with this Ancestry.com thing!


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Knowledge Base
The Knowledge Base provides access to information about the environmental effects of marine and wind energy, supporting OES-Environmental and WREN initiatives. Relevant documents and OES-Environmental metadata forms are compiled into a user-friendly table with advanced filtering. Filters may be selected on the right, or keywords entered in the Search Text box. Content may also be sorted alphabetically by clicking on column headers.
As an alternative to the Knowledge Base, check out the Map Viewer to access geotagged content in a spatial view.
|Type of Content
|Technology Types
|The Influence of Fisheries Exclusion and Addition of Hard Substrata on Fish and Crustaceans
|Wilhelmsson, D., Langhamer, O.
|January 2014
|Book Chapter
|Marine Energy general, Wave, Wind Energy general, Offshore Wind
|Benthic Invertebrates, Fish

subset: commoncrawl


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This week's guest on In the Drink is John Glaser, the founder and whiskymaker of Compass Box, a boutique Scotch whisky company widely recognised as the industry's leading innovator. Formerly a Johnnie Walker Global Marketing Director, John also spent several years in the wine industry in both America and France. Scotch whisky is a passion for John. In 2000, this passion led him to leave Johnnie Walker and start Compass Box from the kitchen of his west London home.
His idea was simple: create whiskies of unassailable high quality in a style that is more in line with the tastes of today. From the beginning, his vision has been to create one of Scotland's finest and most exciting whisky companies, re-establishing the standards for quality and style in the industry. Compass Box has won the "Innovator of the Year Award" four times from Whisky Magazine, an unprecedented feat, and the "Pioneer of the Year Award" twice from the Malt Advocate.
Compass Box whiskies have been awarded over 60 medals and prizes in its short history. John, an American, has lived in London since 1998. He resides with his wife and two young boys in Kew, on the Thames River.
"The world needs small spirit companies with real people behind them and real sincerity." [10:00]
"Age does not necessarily mean quality [in scotch]." [17:00]
–John Glaser on In the Drink


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Hi Dave,Mahindra's resources are huge so there is a good chance something will get made, if it does happen lets hope its something worthy (and affordable) Not something like the AJS Bedford Beezer mentioned.
if they want volume in markets like india then don't expect too much.a friend with a recent enfield has all the pain of an unreliable old bike with all the registration costs of a new one
How about a BSA Regal ?.......a 3 wheel racing outfit based around a Reliant Regal
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The cookbook of award-winning Sweet Potatoes restaurant in Winston-Salem is titled Well Shut My Mouth!. And, when diners eat at Sweet Potatoes, that is exactly what they do. This Downtown Arts District eatery dishes out Southern cooking with a Sweet Potatoes twist.
Diners recommend Sweet Potatoes' fried green tomatoes and okra basket. Instead of serving them as a side like most Southern restaurants, these breaded and fried veggies are an appetizer with a dip featuring the restaurant's namesake – the sweet potato. Couple the appetizer with some of Sweet Potatoes' famous pimento cheese, it's easy to see why locals love this down-home restaurant.
Learn more about Winston-Salem's restaurants.


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"I still love you, but more like the way I love my sister." Those were the words that crushed all of Grace's hopes and dreams in one foul swoop. Her life was put on hold and after nine months of waiting around, she found out the truth. Kevin was a liar and nothing he had said to her was ever the truth. True love couldn't be real, because she had never known how it felt to be loved.
Waiting for her life to change she decided to take a leap into the big unknown, take a new job in London and make that trip to LA without Kevin or his extra baggage. She was not looking for love, but it found her, she was not looking for him, but she found him and bumping into business tycoon, Alec Richards' breakfast and knocking it across the restaurant floor was one of the best things to happen to her, even if at the time she didn't know it.
"Maybe I am your Kryptonite." He smiled slightly, his warm brown eyes seem to dance in the sun.
"Or I am yours," I replied.
Whether she wants to or not, the forces seem to be working in her favour and the holiday she started out alone, soon turns into an adventure of the heart. Discovering things about herself she never knew existed. Alec Richards has woken her beaten and battered heart and brought it back to life. Everything tells her it is too soon, that she could get hurt again, but her heart has a mind of its own…
After all, if a heart that has been battered and broken is so ready to love again, then I have no choice but to trust it.
Will the flames flicker out when they return to London, or will the oils that had soothed her, fuel the fire that burned so brightly on the other side of the pond? One thing she knows for sure, Alec Richards has changed her life, whether he is there forever or for a fleeting moment, she will never be the same again.
A tale of two different worlds, two different lives being burst open and entwining together, Grace is certain that Alec is her happy ever after and that no matter what happens, he owns her heart now, completely.
Forget Me Never by M J Rutter https://www.amazon.co.uk/dp/B01IL9DJI6/ref=cm_sw_r_tw_dp_x_.ziTxb98FMXM0 via @AmazonUK
Double trouble in the form of the Andrews twins, Declan is a brain stuck at a gifted academy and hates his life. Dylan is stuck at home, struggling through school, failing Math but the most valuable player on the football team, he also hates his life. It is the only thing these boys have in common. But a trip home for the holidays can change everything.
What these boys do can been seen two ways, it can be seen as a carefully orchestrated plan filled with geniality or just plain stupid, either way, the fall out is almost catastrophic.
A new rock star romance. Kaden and Skylar are neighbours, they hate each other, but that hate is soon replaced with frustration and an intense attraction to each other, Silver Bay is his hideaway, but for Skylar its her home and this good looking stranger she felt, was the last thing she needed, the thing is, he was just what she needed. He has a few secrets though and when all is revealed, will she be enough and will he be her everything?
Time To Breathe
Imagine having it all, fame, fortune, a hunky fiancé and on top of that, to be adored by millions. Imagine how it would feel to have it all blow up in your face by way of public humiliation, what would you do? Waiting by the car stands Hunter Pearson, the limo driver. As his boss and world famous pop star, Sydney Marx runs towards him, he has no idea what has happened. She tells him she needs to get away and he just drives. She pleads with him to take her away from everything just for a few days and eventually he gives in, taking her to his home. A farm in Up-State New York where his daughter, Callie, lives with his parents. Bringing home visitors is new for loner, Hunter, and when that one visitor is a famous pop star, he is surprised by his family's reaction to her. They adore her and accept her into their home. Hunter is not exactly the host of the year and Sydney has more issues than he would care to know about. Will they find a common ground, or will it all end in fireworks?
http://www.amazon.co.uk/dp/1508805113/ref=cm_sw_r_tw_dp_aCRmvb0KZJAA7 via @AmazonUK
Lunar Ryce Soul Collector.
She has a decision to make, will she choose her destiny?
They need her, they need you, all you have to do is say yes!
Lunar's journey continues, travelling to new realms where she meets new and exciting beings, but inside she only wants one person in her life, Elias. Will they? Won't they?
Out Now
Lunar Ryce, Soul Savior has arrived and launched.
I am very proud to announce that the third book in the Sheol Legacies successfully launched on December
Living with her choice is breaking her heart. Lunar cannot just move on and forgot who she had to leave behind and neither can she live with the choice she had to make.
Everyone around her is trying to help her see that she has to move on, but she can't, not when the night comes with its never ending nightmares as if that fateful day is on repeat in her head, she can't let it go.
Sheol is desperate for her to return to work, souls need collecting and life needs to return to normal. The only thing she is certain of is her love for Elias and though its forbidden, she will find a way for them to be together.
Debts have to be paid and when an innocent is stolen, ripped from their hands, revenge seems the only way forward, but what of her love, what of her destiny?
Sheol needs her but her choice has been taken away...for Lunar, time is running out.
I, Immortal The Series, Book 1 is now available on Amazon and Barnes and Nobel sites for Kindle and Nook copies. Paperbacks will be available from the middle of October.
Amelia and Peter have to take their children and run again. After years living from day to day, never knowing how long they could stay, how long they could hide, he has found them again. Cornelius, the leader of the ruthless Fallen army has searched everywhere for them and the site of him at the local supermarket makes Amelia's blood run cold.
Raised by an order of nuns after being left on the step of a convent in 1659, Amelia went on a journey to discover who she was. A story of love, loss and a journey of life. Will the world ever be ready for them?
If they passed you on the street, would you know them? Would you think they were any different to you? They look like everyday people, they love like us and they can have children, but unlike us they can live forever, imagine the possibilities.
The second book in the I, Immortal series has been re-vamped and re-released introducing some new characters and a few changes in the storyline.
The third in the I, Immortal series brings about the war to end all wars. Amelia will tolerate most things, but mess with her children, then there will be hell to pay.
Catch up with Amelia and Peter in the world of the Humangels once more.
Summer Rain is a novel set in Dorset, my home county on the south cast of England.
The wettest UK summer in over a hundred years proves to also be the hottest for a young Dorset girl. Kelsey Spires has agreed to spend three weeks at her Aunt's, when she meets a local's cousin, her whole world is blown wide open. A romance blossoms, storms are brewing and the fall out when two different worlds collide, is almost catastrophic.
Set in the beautifully scenic county of Dorset, on the south coast of England, this is a virtuous story of love, lust and lots of rain, showing you that there is so much more to do when its pouring down outside.
http://www.amazon.com/dp/B00I5PSM5M/ref=cm_sw_r_tw_dp_31E.sb14A1ZZN via @amazon
Cruel Winter, the sexy sequel to Summer Rain is out now. I am so happy to be able to continue this story and to be perfectly honest with you, I love Kelsey and Jeremy so much, I am having a hard time letting them go. Summer Rain was such a hit, I couldn't wait to release the sequel.
Here is the link to Amazon for the Kindle copy.
You didn't honestly think I was done with Kelsey and Jeremy, did you?
After the patter of tiny feet disrupts their lives beyond belief, marriage is proving to be harder than they thought. Jeremy is slogging his guts out at work and Kelsey is taking care of their son, who is extremely sick and the strain takes its toll. She adores her husband and son, but she feels she is losing a battle she can't win and Jeremy feels he can do nothing right. A misunderstanding could tear them apart once more, how many more bumps are there in the road for this couple?
Ben Marshall thought he was clever, when he duped gang lord Jock Mackenzie into cleaning the serial number off of ten million pounds worth of diamonds, just so that he could take them and leave, he discovered he was wrong.
Dragging his girlfriend Lisa with him they hit the road and run, they run until they get to her home town of Bournemouth. They lie low for a few days before hopping a ferry to Jersey so they can escape England and Jock forever.
Hot on their trail is Vic and Mason, two retired Heavies looking to make a quick bob on what they thought was going to be an easy job. They also thought wrong.
Chasing the diamonds to the USA, they are not comfortable when everything around them seems to be getting on their nerves, proving that maybe they are just too old for this job.
A fast paced story that will have you cheering on the bad guys, who aren't actually the bad guys after all. Spanning across the pond and filled with wit and humour. People have died because of these diamonds, all they can do is run.
Not suitable for anyone under the age of 18.
I'd like you to meet Aiden Kramer. An eighteen year old school graduate who is about to embark on the biggest lesson he can take in life, love. Leaving school a virgin only seemed to bother his best friend, who had told most of the senior class in an attempt to get him laid before the summer ended. Only Aiden wasn't interested, it didn't seem that important, not when his mother was sat in a hospice in what they call a Waking Coma, which means that her eyes are open, but there is no one home. So why would getting laid be important at all. His father was always too busy to be there for him and his older sister had her own life, so he ha Joel and his zombie mother, he didn't need anything else. At least, that's what he told himself to get through the day.
At his graduation ceremony his History Rachel Keller takes pity on the fact that his father wasn't there for him and invites him out to dinner. Aiden accepts and after a wonderful evening he kisses her goodnight, a moment of insanity raged his body and risked a slapped face, but it was so worth it. The he runs away, running away from her, afraid of her rejection and of her wrath. When he gets home, she is waiting for him...
Aside from a steamy relationship flourishing between them, aside from the lovers spats that keep getting in the way, or her reluctance to tell him how she feels about him, aside from all of that, the story takes a serious turn when Samantha, Aiden's older sister goes missing after a huge fight with her long term boyfriend.
Follow Aiden on this incredible journey, learning that life isn't cookie cutter perfect and mistakes can ruin everything. Lessons need to be learned.
Available on all Amazon sites in Kindle and Paperback http://www.amazon.co.uk/gp/reader/B00GKSHJDC/ref=sib_dp_kd#reader-link
Andi Harper has it all, a successful writing career, a no strings lover whenever she wants and the best friend in the world, Mike Tanner. They had been friends since she moved to the sleepy town of Sulphur when she was just 13 years old. A friendship that is about to be pushed all boundaries, and why. One man has owned Andi's heart, Laine Thomas. Can Mike's friendship take the strain of her relationship with Laine again? He bought her back to say goodbye, to let him go and it blew up in his face.
Read this heartfelt story of Andi, this is no ordinary love story. Available now at Itoh Press - Follow the link.
Daniel O'Toole has a secret, one that has plagued his life for twenty years. Now he has to come home, it's time the truth came out whether he wants it to or not.
Read the exciting book Back to Innocence, out now on Amazon.
http://www.amazon.co.uk/dp/1481102214/ref=cm_sw_r_tw_dp_sZ4mrb0P22MQD via @amazon


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It never ceases to amaze me how much the level of production quality in a theatrical production can make a good script bad or a bad script good. It doesn't matter how well Othello was if the actors, directors, and designers have no idea what they're doing. Similarly, I have enjoyed productions with bad scripts which make up for that shortcoming with high production values. It's not a guarantee either way (and the best productions utilize both), but at the end of the day I'll put more stock in production quality than script quality. With enough talent and passion artists can turn most shows into entertaining productions.
Set in 1930s Europe, She Loves Me is a musical romantic comedy by Joe Masteroff (Book), Jerry Bock (Music), and Sheldon Harnick (Lyrics) based on Parfumerie by Miklos Laszlo (also the basis for the films: The Shop Around the Corner, In the Good Old Summertime, andYou've Got Mail) in which two perfume sales clerks who despise one another are unknowingly each other's anonymous, romantic pen pal through a lonely-hearts ad. What follows is your typical miscommunication-based romp full of love, lies, and laughs.
The primarily student-acted production was contained a strong balance of vocal and acting
talents, as well as St. Edward's typical practice of including professional Equity actors. Among the student actors the two leads, Matt Buzonas (Georg Nowack) and Cheyenne Barton (Amalia Balish), definitely had the best balance of acting talent while speaking and vocal talent while singing. Both have a natural, young charm which juxtaposes well with their bitter chemistry towards one another. My only concerns with their onstage chemistry came from the source script seeming to force the initial animosity they share for plot convenience. Other than that preliminary road bump their interactions onstage all felt quite natural. Further commendations are given to Maureen Fenninger (Ilona Ritter) who easily gives one of the strongest performances, but has the unfortunate setback of not being integral enough to the main plot to have more songs. Though for the songs she's given, "I Resolve" showcases the intensity Fenninger can muster, while "A Trip to the Library" shows off her delightful/comedic charms. I'm a little torn on Kenneth Hurley's (Steven Kodaly) suave performance because, on one hand, the man sings beautifully and has a rich speaking voice, but, on the other hand, the grandiose manner in which he spoke, while fitting for the lighter moments, felt out of place for the solemn moments. His characterization of Kodaly may have been a little off, but he'll make one hell of a Don Quixote someday.
As you might expect, the guest Equity actors had their roles spot on. Jarrett King (Ladislav Sipos) always offered his ebullient yet weary support to the rest of the cast in such a way as to make him a continual joy onstage, Ev Lunning Jr. (Mr. Maraczek) gracefully walked the lines between sympathetic and insensitive as well as strict and charitable, and finally Scott Shipman's one scene as the supercilious Head Waiter was a brief but potent performance. As a whole, the ensemble was well-cast, well-blocked, and harmonized beautifully.
Having previously seen only non-musical productions in the Mary Moody Northern Theatre, I was intrigued to see how director Nick Mayo planned to tackle the 360-degree arena stage for a musical. There's no avoiding the inevitable restraints on the line-of-sight for the audience; no one is going to have a perfect view throughout. Scenic designer Leilah Stewart certainly made the right call in using minimal, easy-to-move set pieces that were low enough to the ground to prevent view blocking. However, She Loves Me is staged as well as one can hope for an arena stage. The musical numbers typically don't utilize dance sequences, while still allowing for the energy of the actors to keep them moving on their feet, which was probably a good call. The dances that were choreographed by Danny Hermann and Rocker Verastique, particularly a rather rambunctious dance sequence near the end of act I ("A Romantic Atmosphere"), definitely kept the whole audience's point of views in mind, but the constraints could definitely be felt. It's tricky business. Having the perform on all sides at once is by no means an easy task, and I congratulate the cast and crew of She Loves Me for achieving as much as they could with the space provided.
As one may have intuited from the introduction of this review, I was no the biggest fan of She Loves Me's script. The characters are mostly predictable, the melodies aren't terribly memorable (and sometimes felt unneeded such as the simply-named Act II number "Where's My Shoe?"), and anyone could guess every beat of the plot from the overture. Yet, the charismatic cast and crew of the production make it an enjoyable experience. Much like with Mary Moody's recent production of Mr. Burns, A Post-Electric Play I found myself overlooking many of the script's faults due to the superb quality of the production. And the more I think about it, even if they're not my stories of choice, a romantic comedy is probably best suited in a musical. Both depend more on emotional connections rather than clever plots and characters.She Loves Me is definitely worth your time and attention, just don't expect any Shakespeare-grade writing.
She Loves Me continues playing at the Mary Moody Northern Theatre at St. Edward's University every Wednesday through Saturday at 7:30pm and Sundays at 2pm until April 17th.


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There has been a lot written about the use of the iPhone in the enterprise. That's a good thing, simply because it is a tremendously important topic. The iPhone is the smartphone against which all others are measured-notwithstanding results like those of a recent NPD survey here and there.
The wireless industry, and the media that follows it, arbitrarily segregate the consumer and enterprise users. The reality, of course, is that people shift between the two categories throughout the day. As smart as they are-and they indeed are brilliant-the folks at Apple are missing the boat if they don't do everything in their power to make the iPhone enterprise-worthy. That doesn't mean just the applications and some begrudging set of baseline functions. It means making IT and security departments feel truly secure and supported. It extends to the deeper and more fundamental elements, such as security and management oversight, which are fretted about on a daily basis by IT staffs.
The firm Compete recently released a survey that revealed that 73 percent of iPhone owners use the device primarily for non-business purposes. Seventy-three is a big number, of course, but it also is reasonable to note that the finding suggests that 27 percent of people use their iPhone at work. That's a big number, too-especially considering where Apple's marketing focus has been. It's also probable that many of those entertainment-oriented folks also use the iPhone for work on occasion. Finally, it's also likely that if the non-workers are stripped out -- kids are big iPhone users-the percentages will equalize, at least to a degree.https://o1.qnsr.com/log/p.gif?;n=203;c=204663295;s=11915;x=7936;f=201904081034270;u=j;z=TIMESTAMP;a=20410779;e=i
The thought that the enterprise is too big and rich a market to bypass seems to be a bit of a no-brainer. It doesn't seem to be getting through, however. This eWEEK piece relays the thoughts of Odyssey CEO Mark Gentile. He says that it is impossible for IT to monitor the applications running on the iPhones under its care. The vital information is in the device, but protected in a "sandbox" to which IT doesn't have access. No IT department will find that acceptable.
Apple famously marches to the beat of its own drummer. However, with the sophistication of competitors' devices quickly catching up, it would be smart if it became more serious than it apparently is about the enterprise market.


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It is possible to place classified advertisements in the Newsletter (download our price list below).
Do You Have a Message?
If the answer to the above is 'yes', then why not diffuse your message in the Mougins School Newsletter, distributed on a monthly basis to 343 families and 480 students.
The Classified Advertising Section of the Newsletter is an increasingly popular means of communication. Download the price list or ask for a copy in the Office. We look forward to working with you.
Payment Information
On receipt of a bill payment should be made to Elisabeth Ward in the School Office. Payments can be made in cash or by cheque and should be put in an envelope with the amount noted on the outside, together with the name of the advertiser and the word: 'advertisement'.
Cheques should be made payable to 'Mougins School'. If posted, please send, together with the above information, to: Mrs E. Ward Mougins School 615 Avenue Dr Maurice Donat, CS 12180, 06252 Mougins – France.


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Save the date! Monday Dec 9th is the Elementary Christmas Programs. Two showtimes! K-3 6-6:30PM 4-6 grade 7-7:30PM. K-6 Art show will also be on display in the FEMA building 6-7:30PM.
Reminder: Please check your students lunch balance.
Reminder there is no school 11/27 - 11/29. Happy Thanksgiving Rangers. See you on Monday 12/2.
Senior Parents if you would like to purchase a Senior Ad for your student, please turn in the ad info along with phots by Dec 4th. Seniors need to have two photos turned in for Senior Video by Dec 4th. Also, the form for Senior directory needs be in by Dec 4th.
Reminder: Tomorrow is the last day of the Iberia FFA Canned Food Drive!
Due to poor road conditions and bitter cold, Iberia R-V School district will be close tomorrow, Nov 12th. Stay warm Rangers!
There will not be any HS practices or activities after school today.
High School students attending Votech will not have classes Friday Nov 8th and Monday Nov 11th. Students will need to still attend classes in Iberia in the afternoon.
Iberia R-V has a immediate opening for a Full-Time Bus Driver. Position info and application is available here https://www.iberia.k12.mo.us/employment--163 or you pick one up from Central Office.
Reminder: Please check your students lunch balance.
PTO fundraiser is in and can be picked up starting at 4:30pm.
The district soccer game at Laquey on Monday 11/4 start time has been changed to 3:00.
Reminder: The PTO Fundraiser pickup is tomorrow, Nov 1st in the Elementary foyer at 6pm.
We are currently experiencing out bound and inbound phone issues district wide. We will update this post when the issue has been resolved.
Soccer game will start at 5:00 on Monday.
The soccer game tonight has been cancelled and is rescheduled for Monday 10/28 at 4:30 in Iberia.
Today is the last day for the Arctic book fair. Stop by during parent teacher conferences tonight. Open 8-7:30pm.
Reminder: tomorrow Oct 24 is early dismissal at 1:00pm. Parent teacher conferences from 1:30-7pm. Also, No school Friday Oct 25th.
The 8th grade field trip bus is running late. They will be returning around 4:00 today.
On Tuesday Oct 22, Iberia R-V will role up our sleeves and help save lives! American Red Cross will be setup in our FEMA building from 12:30 to 6:30pm. Come help save lives with us. Donate Blood!
Mark your Calendar, our Arctic Book Fair starts tomorrow Friday Oct 18 - 24. Open 8-4, Thursday Oct 24 open 8-7:30. EWallet is available. http://bit.ly/33CqD3b
Art to Remember orders can still be sent in tomorrow. Online ordering is still open.
Tomorrow is Pink Out for JH basketball. Let's show our support and go PINK stomping out breast cancer!
Reminder - No school tomorrow.
No school on Monday, Oct. 14 - teacher training day.
The softball game at Vienna tonight has been cancelled and will not be made up.
Frisco League Baseball Tournament game has been cancelled tonight and will be played Saturday at 4:30 at Plato.
Free vision, hearing & speech screenings are available to any child age 5 or younger. This Parents As Teachers event will take place on Saturday, October 12 at 9:00 in the preschool classroom. Fun activities are also planned.
Tonight's JH basketball games in Vienna will be B boys 1/2 game, A girls full game, A boys full game starting at 5:00.
Always Hiring: Substitutes (teachers, custodians, drivers, cooks). Contact Central Office if interested. Many of our current full-time employees started as substitutes.
Reminder: Please check your students lunch balance.
Iberia Ranger Baseball will play Bourbon in Iberia at 10:00 this morning.
The softball game tonight at Versailles will be at 5:30. Bus will leave at 3:00.
The softball game in Crocker today is cancelled and will be played tomorrow.
Tomorrow's baseball game in Laquey will be varsity only.
Please visit the following link for information regarding a threat investigation. https://www.iberia.k12.mo.us/article/137374
Baseball on Monday in Iberia is varsity only. Softball in Newburg Tuesday is varsity only also
The baseball game with Crocker on Tuesday, Sept 10, will be played in Iberia. It is a HOME game starting at 5:00.
Join us tomorrow night for Title 1 Reading Night. Free hotdog dinner, parent resources, games, and loads of fun. 5-7 pm in the multipurpose room.
The fire alarm just went off here at school. One of the pull-down alarms was activated. There is no fire, and students are back in class. We turned it into a good fire drill.
Reminder: Please check your students lunch balance.
Softball at Buffalo today at 12:00 bus leaves at 9:00. There will only be 2 games.
Softball games are canceled for today. Plans for tomorrow's softball games will be shared when received.
Baseball Jamboree in Laquey is canceled for tonight.
Soccer Jamboree is canceled for tonight. Soccer practice is 3:45-5:45.
Senior Parents: First Project Grad Meeting will be Aug. 29, 2019 at 7:00 p.m. in HS Counselor's Office.
If you are not receiving text messages from Iberia R-V and would like to receive them click here: http://bit.ly/2MyuM3D
If your child is insured through Medicaid/MOHealthNet, please read the attached information. https://5il.co/9p6g
Reminder: School pictures are tomorrow. Everyone will get their picture taken, whether ordering or not, for the yearbook.
REQUEST FOR BIDS Iberia R-V School District Garbage Collection and Disposal Services Proposals are requested from qualified contractors for garbage collection and disposal services for Iberia R-V School District. RFP documents are available on the district website (www.iberia.k12.mo.us – "NEWS"), by e-mail (email@example.com), or at the district Central Office, 201 Pemberton Dr., Iberia, MO. Questions may be referred to Lyndel Whittle, District Superintendent (573-793-6818, firstname.lastname@example.com). Proposals must be received by the school district by the dates indicated on the RFP documents. The owner reserves the right to reject any and all proposals. For more information click here: https://bit.ly/31PTm3J
Need resources to help your child with reading or math at home? Parent resource available for checkout from the Title 1 staff.
All Iberia High School student drivers will park in the gravel parking lot across from the school until the first Ranger Time status is assigned.
Iberia R-V All School Open House Tuesday, Aug. 13th 5-7pm
2019-2020 Elementary Supply List Grades PK - 6th View Here: https://5il.co/8uuv High School 7th - 12th Purchase basic supplies. Each teacher will let the student know if something special needs to purchased for that class.
REQUEST FOR PROPOSALS Mowing and Landscaping Services Proposals are requested from qualified contractors for mowing and landscaping services at Iberia R-V School District. Services will include mowing and weed-eating of district grounds. More specific descriptions of the projects are found in the RFP documents. RFP documents are available at the link below or on the district website (www.iberia.k12.mo.us – "NEWS"), by e-mail (email@example.com), or at the district Central Office. Questions may be referred to Lyndel Whittle, District Superintendent (573-793-6818, email@example.com). Proposals must be received by the school district by 4 p.m. on Monday, July 22, 2019. The owner reserves the right to reject any and all proposals. Additional bidding information at this link: https://5il.co/8srx
Need to buy school supplies? The Missouri Sales Tax Holiday is approaching - From Friday, August 2 through Sunday, August 4, certain back-to-school purchases, such as clothing, school supplies, computers, and other items as defined by law, are exempt from state sales tax and local tax in participating communities.
Summer school is in session today. We will have great learning fun at school. We will not be going swimming due to the forecast.
Reminder...Credit recovery classes for students in grades 9-12 start tomorrow. Go to Mrs Byers' room when you arrive at school. Breakfast and lunch will be free for everyone.
Due to the extremely wet conditions, the summer school field trip to Mandy's Flower Farm is cancelled for tomorrow and will be rescheduled.
Reminder - Today will be a full day of school.
Today is the Final day for Iberia school greenhouse clearance. Open now until 5:00pm.
Due to snow days, in order to meet state attendance requirements we will have a full-day of school on Wed., May 15 - no early-release. Thur., May 16 remains a 1:00 dismissal.
The Iberia Greenhouse is having a clearance sale today through Wednesday May 15. Hours are 8:30-5:00
💚💚The Iberia High School Golf Team will be headed to the STATE golf match at noon today. Leaving from the school via School Road onto Hwy 17 and headed toward Tuscumbia. If you are available please join us as they leave town. We want to cheer them on to victory. ⛳⛳🏌♂🏌♂
Reminder for Seniors: Be to school by 9:00 AM Friday morning with your cap and gowns.
The FFA Banquet will be held in the school Multi purpose room, tonight.
6th Grade Graduation is Tuesday, May 7, beginning at 7 pm in the high school gym.
Elementary Track and Field Day is Wednesday, May 8.
The Iberia High School is offering credit recovery for students in grades 9-12 this summer. Credit recovery is an on-line program that will start June 3 and end June 26. Students who have failed a class can sign up in the high school office if they haven't already done so. Contact Mrs. Luttrell for more info.
Tomorrow, May 2, End Of Course American Government Exams begins. American Government students get lots of rest and bring earbuds.
Iberia R-V Blood Drive is tomorrow, Thursday, May 2nd from 12:30-6:00 p.m
Due to snow days, in order to meet state attendance requirements we will have a full-day of school on Wed., May 15 - no early-release. Thur., May 16 remains a 1:00 dismissal.
Tomorrow, April 30, End Of Course Algebra 1 Exams continue. Algebra 1 students get lots of rest and bring earbuds.
Tomorrow, April 29, End Of Course Algebra 1 Exams begins. Algebra 1 students get lots of rest and bring earbuds.
Don't forget to support the Iberia FFA Booster Club at their Breakfast this morning in the school, multi purpose room, 7:30-10:30.
The Iberia FFA Booster club Breakfast will be this Saturday 7:30-10:30
Tomorrow, April 254, End Of Course English Exams begin. English 2 students get lots of rest and bring earbuds.
It's always a great time to practice for a test! Follow this link: https://www.lumoslearning.com/llwp/resources/sbac-practice-tests-and-sample-question.html
Tomorrow, April 24, End Of Course Biology Exams begins. Biology students get lots of rest and bring earbuds.
Tomorrow, April 23, End Of Course English 2 Exams begin for 10th graders. 10th graders, get lots of rest and bring earbuds.
Reminder, Juniors Little Ceasers pizza fundraiser money is due tomorrow, April23rd.
Reminder, no school for Iberia R-V tomorrow, Monday April 22nd.
Reminder - No school tomorrow or Monday for the Rangers.
Pancakes with Parents! You are cordially invited to come eat pancakes with your Ranger! This will be a great start for our learning day! Friday, April 12, 2019 7:45 am - 8:30 am
Just a reminder - the accident recreation at school is a planned event. Not a real accident.
Letting everyone know the High School docudrama will be taking place today at 1PM. Emergency vehicles will be on campus.
Tomorrow April 5th, the High School docudrama will be taking place at 1PM. Emergency vehicles will be on campus.
All Juniors take the State ACT tomorrow, April 2, 2019 in the FEMA Building 8AM - 1PM. Get lots of rest!
The Miller County Health Center has partnered with the American Red Cross and our local fire departments to provide free smoke alarms! If you are in need of an alarm, contact the Miller County Health Center at 573-369-2359 or visiting https://getasmokealarm.org/
Don't forget to support your local FFA at their annual pulled pork dinner and labor auction. Today from 11:00-2:00. Carry outs welcome.
Reminder: Please check your students lunch balance.
Iberia preschool screening for 2019-2020 school year will be April 11-12. Any child age 3 or 4 before August 1 is eligible. To schedule a screening call Iberia Elementary at 573-793-6267.
Reminder, no school for Iberia tomorrow, March 8th and no school next week, March 11-15th. Have a great break Rangers!
PTO Carnival going on now until 7:30 at the school. Great fun, food, and games. Come join us for a great time.
Title 1 Reading Night Thursday, March 7 4-7:30 at the school carnival! Come and read with your child! Put your name in the drawing to win a great book.
PTO Carnival tomorrow at Iberia School from 4-7:30. Come join us for some great fun, food, & games.
Due to temperature and poor road conditions, Iberia R-V will be closed tomorrow, Monday March 4th.
Due to school being cancelled today, there is no blood drive today, March 1st.
Due to school being cancelled, there is no book fair today, Friday March 1st.
Due to poor road conditions, Iberia R-V will be closed tomorrow, March 1st.
Scholastic has made it even easier for parents to purchase from our Dino-Mite Book Fair! Create an eWallet today! goo.gl/iSMwEn
Iberia R-V will be closed today, Feb 28th.
Iberia R-V has open teaching positions. Follow this link to apply. goo.gl/LKJ7wp
Iberia R-V will be closed today, Feb 20th.
NAEP testing for 8th grade students will be tomorrow, Feb. 19th 1st-4th hrs. in HS Lab. Get lots of rest 8th grades. Be sure to eat Breakfast.
Reminder, Iberia R-V will not be in session Monday February 18th.
The Iberia FFA Booster club breakfast has been cancelled for tomorrow, and will be rescheduled.
Reminder, Iberia R-V will not be in session Monday February 18th.
Iberia R-V will be closed today February 15th, due to anticipated weather.
Kindergarten registration is March 21-22. Please call us at 573-793-6267 to make an appointment if your child will be attending kindergarten for the 2019-20 school year.
Iberia preschool screening for 2019-2020 school year will be April 11. Any child, age 3 or 4, before August 1 is eligible. To schedule a screening call Iberia Elementary at 573-793-6267.
Iberia FFA Booster Club Breakfast The Iberia FFA Booster Club would like to invite you to join them for breakfast! When: February 16th Where: Multi-Purpose Room 7:30-10:30 a.m. or until food is gone $5 Adults $3 Kids ages 6-10 Kids 5 and under Free Menu Pancakes Biscuit
Iberia R-V will be closed today, Feb 7th.
The phone system is now working at the Iberia School.
We would like to notify parents and community of Iberia School that we are experiencing trouble with our phone system. We will announce when phone system is repaired.
Iberia R-V will be closed tomorrow, January 30th, due to anticipated temperatures. Stay warm Rangers!
Reminder: No school on Monday, 1/21, in observance of Martin Luther King, Jr. Day.
Project Grad. Hat day is tomorrow (Friday, January 18th). Bring $1 and wear a hat!
Due to anticipated road conditions, Iberia R-V will be Closed today, January 11th.
Reminder that we will dismiss today at 1 pm for Christmas break.
On Thursday, December 20, Rangers will dismiss at 1 pm for Christmas break.
Tonight at 7PM is the Elementary Christmas Concert grades K-6th. Students need to be in their classrooms at 6:45PM.
There will be a Project Grad meeting Wen, 5th at 5:00 pm in Rm 108 High School. Parents of Seniors need to attend if possible.
The Iberia School would like to introduce our school therapist, Melissa Bagnall. We are working with Central Ozarks Medical Central to provide this service to our students. If your child is struggling please give Mrs. Bagnall an opportunity to assist them. You may call the elem or high school office to request paper work or to speak with Mrs. Bagnall.
PTO items are in and available after 3:30 today - after the buses and car riders are dismissed in the elementary foyer.
There will NOT be boys or girls basketball practice tonight due to weather.
No school today, November 15, for Iberia R-V due to road conditions.
VoTech High School students do not need to check in due to dismissal at 12:30 pm today Nov 12th.
Due to weather, Iberia R-V will be releasing at 12:30 pm today, Nov 12th.
Iberia High School has canceled their 7th grade trip to Hy-vee veterans activity and the the 11th grade field trip to the capital has been canceled due to weather issues.
Oct 20-Fall Fest 10:00 a.m. Parade line up at school 11:00 a.m. Parade begins 2:00 p.m. Coronation in the lot across from Bank of Iberia
Reminder that we dismiss today at 1 p.m. for Parent/Teacher conferences and no school on Friday, October 19.
Oct 18th, 10% of your purchase at Town & Country Iberia, will go towards the Iberia R-V Technology Department. Present Flyer to donate. Flyers should have came home with students.
Street Closure for Parade Line-up...Beginning at 9:00 a.m. on Oct 20 the Hwy 17 entrance to the Iberia School will be closed. People hauling horses and headed to the ball field to park are asked to use the entrance nearest the ball field off of Hwy 42. All other people planning to line up for the parade or drop people off are asked to use the elementary entrance off of Hwy 42.
Thursday Meal Changes: Breakfast will be cereal and pop tart. No ala cart for lunch. Lunch will be chicken nuggets or Uncrustable.
Know an Iberia teacher who is doing a great job? Nominate him/her for an Excellent Teacher Award by using this link! goo.gl/zk94YX
Fall Fest Coronation will be on October 20th at 2:00 in the lot across from the Bank of Iberia.
Come to our Enchanted Forest Book Fair Oct 12 - 19th. http://www.scholastic.com/bookfairs/parentvideo
From Justin Rowden, Transportation Director - West Main St. is still closed and is expected to reopen by noon tomorrow. Because of this the school bus will not be picking up students on West Main and Walnut St. tomorrow morning (10-11-18). The bus will run as usual for the pm.
Bus I is running late this morning as he is having to go around a tree in the road. Thank you for your patience.
School picture retakes are Thursday, October 11.
Congratulations to the Iberia Ranger Baseball Team. After six full innings of play Iberia defeated Dixon, 6-4, as the game was called due to heavy rain. Iberia is back to back Frisco League Tournament Champs.
Softball game with Laquey will be played in Iberia tonight at 5:00. Senior night activities will be between games.
No school for students on Monday, October 8. Teachers will be involved in professional development.
Fall Fest Parade and Coronation Info for October 20th. Parade line up at Iberia School begins at 10:00 a.m. Parade begins at 11:00 a.m. Coronation is at 1:00 on this day in the lot across from Bank of Iberia. Please call the high school office at 573-793-2228 before Oct 15 to register your parade entry.
Celebrating Our Veterans...November 9th 7:30-9:00 a.m. breakfast will be served by Maries County Bank of Iberia to Veterans and their spouses at Iberia High School in room 108 9:00 a.m. Veterans Day Assembly in Iberia High School gym Everyone is welcome to attend.
Annual Parent Involvement Title 1 Meeting Tuesday, October 2, at 3:30 in the elementary conference room.
The Iberia FFA Booster Club Mums are available for pickup today from 12:00 to 7:30PM.
We will be conducting a lockdown drill at 10:35. No event has occurred. It's only a drill.
A great big Ranger Thank You to all the parents and guardians who signed permission slips so their child could go to Crocker for the assembly today. Thanks to all the bus drivers for a safe trip and thanks to our students who were so well behaved. We heard a powerful and sad message about bullying and it's harmful effects. Parents, please talk to your children about what they heard today. 💚💚
6-12 grade students and parents: Please remember to return your permission slips for the bullying, cyber bullying and suicide prevention assembly in Crocker on Sept. 13. 6-8 grade will attend a 10:00 assembly and 9-12 will attend a 1:15 assembly. For more info on the speaker go to www.meganmeierfoundation.org. Those not attending the assembly will receive info regarding the harmful effects of bullying in their classrooms. We hope everyone chooses to attend this very powerful assembly.
Just a fire drill. We have no fire.
A sincere Ranger thank you is extended to Mr. Ralf Trusty for speaking to students in grades 7-12 about bullying and the very harmful effects it has on people. We appreciate his time and efforts to help stop bullying. Please remember to send in permission slips for our anti-bullying assembly in Crocker on Sept 13. We want to help all kids understand this issue.
Reminder tomorrow is an early release day for Rangers. Students will be dismissed at 1pm. Also, no school on Monday Sept 3rd. Have a safe holiday!
Our fire alarm went off today due to electrical installation. Never was there a fire or an emergency. The students were evacuated per protocol but there was no emergency. The alarm was loud, we didn't like the noise it made but we now know what it sounds like in case of a real emergency.
All students in grades 6-12 will attend an anti-bullying, cyber bullying and suicide prevention assembly hosted by Crocker High school during the day on Sept 13. Please remember to return travel permission slips to the high school office. For more info about assembly go to www.meganmeierfoundation.org.
Baseball game at Tuscumbia on Thursday, Aug 30 has been CANCELED.
Free Sports Physicals are available from Lake Regional Clinic in Iberia on Aug 14 from 5:00-7:00. Call the clinic at 573-793-6900 to reserve your spot.
Check out the news article on our summer construction. Can be found on our district website - www.iberia.k12.mo.us.
Requests for proposals added to "News" on the district website. Please share with those who may have an interest in these projects.
Summer School Thursday - swimming trips Friday - prize assembly
No summer school Monday, May 28th, in observance of Memorial Day.
The Bennett Springs summer school field trip is returning to school due to storming.
Summer school days are 8-3:15. Wednesday is 8-3:15, full day. No early out Wednesdays during summer school.
Last day of school tomorrow, Friday, May 18. We will dismiss at 1 pm.
The annual FFA spring awards banquet will be May 7th at 6:30 pm in the FEMA building. Freshmen and sophomores need to bring a side dish juniors and seniors need to bring a dessert. Hope to see everyone there!
There will be a parent meeting for Senior Trip on Sunday, April 15th at 1:30pm in Room 108 at the High School.
Preschool screenings April 12 & 13. Any child, age 3 or 4 before August 1 is eligible. Call the elementary to schedule a time.
Preschool screenings April 12 & 13. Any child, age 3 or 4 before August 1, is eligible. Call the elementary to schedule a time.
Mrs. Swofford and students representing Iberia Elementary with their art at the Capitol Exhibit in Jefferson City.
Gather your players for 1st annual Alumni/Booster and Elementary Basketball Shootout March 24. Grades 4-7, Adult Men's & Women's. Interested? Return form to HS Office by March 9 http://5il.co/2sdv
Clearing up some confusion - The board meeting tomorrow (Feb. 27) is the regular monthly meeting. It is NOT the public comment hearing. The public comment hearing is on Tuesday, Mar. 6 (next week).
Preschool screenings, April 12 & 13. Any child, age 3 or 4 before August 1, is eligible for screening. Call the elementary to schedule a time.
The hearing for public comments regarding the school protection officer policy and the option to use armed staff members is scheduled for Tuesday, March 6, at 6:30 p.m., in the High School Gym.
The regular board meeting scheduled for Thursday, Feb. 22 has been rescheduled for Tuesday, Feb. 27 at 6:30 p.m.
The Board will have a special meeting for public comments regarding the use of school protection officers. The date and time of the meeting will be announced this Friday.
1st Grade after school Reading Club is canceled today. All students will go home as usual. Sherrill, Piggott, Colvin.
Survey Invitation - Please consider completing our survey about the use of school protection officers. More information is available under "NEWS" at www.iberia.k12.mo.us.
Gather your players for 1st annual Alumni/Booster and Elementary Basketball Shootout March 24. Grades 4-7, Adult Men's & Women's. Interested? Return form to HS Office by March 9 http://5il.co/2sdv
Reminder: No School for Iberia R-V Monday 2/19
No school for Iberia R-5 tomorrow Feb 2/12
ACT test for tomorrow has been postponed for a later date due to forecasted weather. We will inform you of rescheduled date.
Gather your players for 1st annual Alumni/Booster and Elementary Basketball Shootout March 24. Grades 4-7, Adult Men's & Women's. Interested? Return form to HS Office by March 9 http://5il.co/2sdv
For the safety of our students the street where School Road meets Pemberton Drive will be closed Monday, Tuesday, Thursday and Friday from 3:00-3:20 and from 1:55-2:15 on Wednesdays. This will begin Monday, February 12.
A TV channel mistakenly announced we were closed Wednesday. That is incorrect. As of now, we still plan to have school tomorrow. We will send a message if that changes. Mr. Whittle
Elementary - Donuts with Dad is tomorrow 745-830. No better way than to start our day than with dad!!
No school for Iberia R-5 tomorrow Feb 6th.
Due to poor road conditions, no school for Iberia R-5 on Monday 2/5/18
Iberia R-V will NOT be in session tomorrow Jan 17th due to the extreme cold and road conditions.
Iberia R-V will NOT be in session tomorrow Jan 16th due to the extreme cold and road conditions.
Reminder: No school on Monday, January 15, for MLK Day. Enjoy the 3 day weekend!
Due to forecasted weather, Iberia R-V will be dismissing at 1:00 PM today.
Reminder that elementary dismisses at 2:04 and high school at 2:08 today.
16-44 end of 3. Rangers are ahead!!
8-31 Rangers at half. Ranger Pride!
Join us today for our annual Iberia R-V Veterans Day Celebration Breakfast 7:30-9 AM followed by our Veteran's program
Halloween mummy wrapping contest.
The Preschool field trip to the Pumpkin Patch will be rescheduled. They will not be going today.
School dismisses at 1 pm tomorrow.
We've got a heap of new books at the Wild West Book Fair! Reading adventures await - Oct 13th - 19th
No school on Monday, October 9.
No school on Monday, October 9.
It's Book Fair Time! Oct 13 - 19th. https://bookfairs.scholastic.com/bookfairs/cptoolkit/assetuploads/130398_parent_commercial.mp4.mp4
Grades 3-6: Ozark Youth Basketball League for Fall 2017 Sign up now, no later than September 22.
Elementary Drama Club:5/6 graders interested, please attend a meeting in the elementary office on Monday, September 25, 3:15-4:15. If you can't make it and interested, please see Mrs. Shelton
Reminder - Project Graduation parents meeting, 9/13 at 7PM Room 108
Reminder: School dismisses at 1:00 today and there is no school on Monday, September 1.
Is your child missing an item? Iberia R-V now has a lost and found Facebook Group. Join the following group to see what has been lost. https://www.facebook.com/groups/169428363615357/
We have been told the city has completed their work on the water system. We experienced no problems here at school. Thanks for your cooperation.
The city has assured us that we will have enough water pressure available to take care of our needs. Unless we hear otherwise, we plan to be in session tomorrow. To be safe, if you have bottled water available, please send a bottle or two to school with your student(s). If you do not have water available, we will have some available for students.


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24 Aug Bogus Bill Collectors – Have You Been Called?
Yesterday, I opened up my email account to find a email from a debt collector who snarled at me that I had failed to pay for items ordered through paypal and demanded immediate payment as the debt had now been assigned to collection. It looked pretty legitimate, the email had the required language about how "this is an attempt to collect a debt" and so forth. But, no original creditor was listed. The amount was small. I knew I didn't owe them any money so I certainly wasn't going to pay them any money, or even respond to the email. And I started wondering….how much money has this outfit managed to scare out of folks?
A recent article on MSNBCcom notes that bogus debt collectors are on the rise. Bogus debt collectors frequently violate the Fair Debt Collection Practices Act by threatening arrest, prosecution, or garnishment on debts. These threats must be successful as the stories of debt collectors calling or billing on these non-existent accounts increase every day. Even my non-computer savvy 73-year-old mother recently got a bill from a debt collector which stated it was collecting on a debt from her deceased husband's illness. Only problem was, is that her husband died 9 years ago and never was treated in the state where the original medical provider operated.
The MSNBC article provided good direction:
1. Ask that the debt be verified, in writing.
2. Call the original creditor to verify that the debt (if you do owe a debt) was sent to the debt collector.
3. Do not give (or verify) any personal information to the debt collector until you are positive it is a legitimate outfit.
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When you start Googling where to go and what to do in Bacolod, they're almost impossible not to be included in all of their lists - from news articles, blogs, and Instagram posts. With that said, I will not bore you with all the what's that and where's that of these spots. Instead...oh okay, I … Continue reading Lakwatsa in a day: The Ruins + Compuestuhan Highland Resort
The Ruins: at least something lasts longer than relationships (pun intended)
Not all who left bring bitterness to our lives. Some remind us of its beauty, leaving a beautiful scar from the past. It's overrated for some, but The Ruins of Talisay was still one of the items in my bucket list. Not just because it is very pretty in the pictures, but I also am … Continue reading The Ruins: at least something lasts longer than relationships (pun intended)


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The U.S. Navy has instructed housekeepers to remove Gideon-placed Bibles from every hotel room on its military bases after it received a letter from the atheist group Freedom From Religion Foundation.
"We were told today, June 23, 2014, that due to a new policy by the CEO of NEXCOM, Rear Adm. Robert J. Bianchi, we were to remove the Bibles from the rooms," a housekeeper told American Family Association in an email. "They told us to put them in boxes, where they would be taken to a donation center somewhere."
Earlier this summer, NEXCOM (the Navy Exchange Service Command) issued the directive to bases offering hotel accommodations, ordering them to impound Bibles from 34 Navy Lodge locations and 24,000 Navy Gateway Inns & Suites guest rooms on Navy bases worldwide.
The directive orders lodge managers to contact base commanders and chaplains and facilitate removing the Bibles and other "religious material currently in the guest rooms." The Air Force tried unsuccessfully to remove Bibles from its lodgings in 2012, but after public outcry, the Air Force reversed its decision.
"The Navy is pushing for the mass removal of Bibles in hotel rooms across the country, yet U.S. soldiers are being encouraged to respect Muslims," said AFA President Tim Wildmon. "Where is the priority here—in a country founded on religious freedom? Take Bibles out of hotel rooms but support an Islamic observance. This is a truest definition of a double standard."
Earlier this summer, soldiers were told to respect the rights of Muslims during Ramadan, which ended July 28, through a directive at the Uniformed Services University of the Health Sciences, a Department of Defense medical and graduate school in Bethesda, Md., that urged members of the military to show respect to Muslim colleagues.
"This is a period of great personal restraint and commitment in addition to renewed focus on worship," Brigade Commander Col. Kevin Glasz wrote. "I'd like to encourage you to learn just a little more about this religion, but more importantly, I'm asking you to be considerate and do not consume food or drink in front of our Muslim colleagues; it is a simple, yet respectful action."
Navy officials also ordered personnel serving in Bahrain to dress more conservatively off base during Ramadan, according to a report in Stars and Stripes. Men were ordered to wear long-sleeved shirts and women were told to wear blouses that cover their elbows and skirts or pants that cover the knees.
"Our U.S. soldiers are being asked to respect the Muslim religion while Christians are being categorically discriminated against," Wildmon said. "Such an attack on religious liberty has no place in the United States military."
AFA sent an online Action Alert to its friends and supporters Tuesday, encouraging them to take action and contact Bianchi (phone: 757-631-3600 / email: email@example.com) to ask him why the U.S. military continues to be antagonistic to Christians and to contact Michael Bockelman, VP of NEXCOM, who approved the directive (phone: 757-502-7496 / email: firstname.lastname@example.com).
Supporters are encouraged to express their concern over the removal of the Bibles and to request that the Navy follow the Air Force's 2012 example and reverse this decision.


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