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Using your CUB Debit MasterCard® is faster than writing a check and safer than carrying cash. Plus, it's accepted at millions of merchant locations worldwide!
- Purchases are deducted from your checking account
- Cash access at ATMs worldwide
- Liability protection for unauthorized purchases2
- Continue to receive Dime-A-Sign Rewards if already qualified
Chip Technology
Improves the global usability and security of your card as more merchants at home and abroad switch to advanced chip card terminals. Your card has been enhanced with an embedded microchip that provides increased protection against fraud.
Learn More
Mastercard Global Service™
Provides 24 hour a day, seven day a week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.1
Learn More
Mastercard Airport Concierge™
Provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.
Learn More
Extended Warranty
Doubles most manufacturer or U.S. store brand warranties for up to one additional year when you pay for eligible items with your CUB Debit MasterCard.1
Learn More
Price Protection
Can refund the difference if you buy something and then see it advertised for less within 60 days of the date of purchase.1
Learn More
Satisfaction Guarantee
Can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.1
Learn More
Identity Theft Resolution Services
Assists you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.1
Learn More
Mastercard Priceless® Cities
Offers unique access and special experiences so you can enjoy more of the cities you love.
Learn More
Zero Liability
Means that in the event that your card is used to make unauthorized purchases—whether made in a store, by phone or online—you won't be held liable.2
Learn More
1. Certain restrictions apply. CLICK HERE to see the Guide to Benefits for Mastercard Debit Cards.
CLICK HERE to see the Guide to Benefits for Mastercard Business Card Debit Cards.
2. Certain restrictions apply. See www.mastercard.us/zero-liability for details.
1. Certain restrictions apply. See www.mastercard.us/zero-liability for details.
2. Certain restrictions apply. CLICK HERE to see the Guide to Benefits for Mastercard Health Savings Account cards.
Need to order a new Debit Card?
Visit your nearest Citizens Union Bank location, call us at 866-633-4450.
Lost Card? Stolen Card? CLICK HERE
Never used a Chip Card before?
Chip Card FAQs – Click Here
Regardless of what type of terminal a merchant has, you'll be able to use your card anywhere MasterCard is accepted.
- At retailers with chip-enabled terminals – Insert your card and follow the prompts on the terminal.
- At retailers without chip-enabled terminals –Swipe your card and proceed as you normally would.
- Over the phone or online – Provide your card information the way you always have when you're ready to make a purchase.
Insert your card "chip first" into the chip-enabled terminal. With chip transactions, your card remains in the terminal throughout the transaction.
Provide your signature or PIN as prompted by the terminal. If the amount is low, you may not have to do either.
Remove the chip card after the transaction is approved and you are prompted to do so.
Still have questions?
Contact us at 866.633.4450 or call 1-800-MASTERCARD for assistance.
Surcharge Free ATM Networks
Citizens Union Bank is proud to offer our customers surcharge-free access to over 55,000 ATMs worldwide. When using any Allpoint ATMs, CUB debit cardholders will not be charged a surcharge. Just look for the following logo when using an ATM or view our ATM locator to find your nearest surcharge-free ATM.
1. Certain restrictions apply. CLICK HERE see the Guide to Benefits for Mastercard Debit Cards.
2. Certain restrictions apply. See www.mastercard.us/zero-liability for details.
Must be an existing customer to apply for a Debit Card or ATM card. Contact 1-800-MASTERCARD for assistance.
Applicable to U.S. Cardholders only. Mastercard and the Mastercard brand mark are registered trademarks and Mastercard Global Service and Mastercard Airport Concierge are trademarks of Mastercard International Incorporated, used pursuant to a license. All third party trademarks referenced herein are the property of their respective owners. If an ATM outside of the 55,000+ network is used there is a $2 per withdrawal fee, in addition to any fees charged by the ATM itself. Internet provider and mobile carrier fees may apply. Ask for details.


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This video from the USCG is the first real look at Gavelston, TX since Ike struck.
Extensive flooding on Galveston Island can be seen in this video captured around 2:45 p.m. Saturday by an HU-25 Falcon jet from Coast Guard. Video provided by the U.S Coast Guard. Sept. 13, 2008.
The flooding looks pretty extensive and not far from what was predicted.
Video of Crystal Beach – Just north east of Gavelston, TX
The damage is just as extensive here.
9/17/2008 Update:
Google before and after Satellite images:
House & road damage near Gilchrist, Texas
Oil spill near Crystal Beach, Texas
Destroyed docks in Galveston, Texas
Filed under: Disasters | Tagged: Crystal Beach, Gavelston, Hurricane Ike, Texas, USCG | 3 Comments »

subset: commoncrawl


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I hope you are enjoying your Thursday! Today I have a manicure for breast cancer awareness to show you.
The pictures aren't the best. My camera is slowly going haywire. These were the best of the ones I took. For this manicure, I started with two coats of Wet n Wild Candy-licious. The awareness ribbons are nail decal tattoos that I purchased from Michaels.


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Chocolate Beetroot Cake with Hazelnuts
Beetroot (or as we would say in the U.S., "beets") and I go way back. As a child, I could not (or, more accurately, would not) tolerate beets - whether pickled or just plain roasted. It's probably an understatement to say I didn't like beets. I could tell you a story about one particular unfortunate encounter with beets, but then you wouldn't want to keep reading, would you?
As an adult, when I started traveling to Ireland, over time I became more exposed to beetroot. Mostly the pickled variety, but occasionally roasted as well. One dish I really liked, the recipe I am still searching for, was a beetroot and carrot jelly (jello, is U.S. terms). The beets and carrots were grated and added to a gelatin with, I believe, some orange juice or other orange flavoring. Quite tasty.


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A nice set of Goxhill clay pantiles. Recovered from the roof of a house near Southwold in Suffolk which was about to fall over the cliff.
Size 342 x 250 mm. Dimensions will vary a little from tile to tile.
Price is for collection but delivery can be arranged at cost.
Need help? Just ask firstname.lastname@example.com
Product Code: REC0CKKL29
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Africa New Life
Africa New Life exists to break the cycle of poverty in Rwanda by providing education, spiritual insight and basic necessities to poor children and families.
In partnership with Africa New Life Ministries (ANLM), Willamette Christian Church is serving poor and vulnerable children and their families, growing Christ-centered leadership, and developing best practices for ministry both in Rwanda and here at home.
We have seen first-hand, both the poverty and sorrow of this third world country, as well as the hope that is dawning as a result of the intentional, gospel-centered missions efforts of ANLM.
Through our partnership with ANLM, we are honored to be part of God's BIG plan for raising up Christ-centered leadership in this tiny central-east African country.
We're getting ready to send another team to Rwanda in October and would love for you to consider joining us! This is a great way to learn more about what God is doing in Rwanda and even meet your sponsored child.
If you'd like more information about this year's trip or an application, please email Angie Rettmann.
Sponsorship is the heart of Africa New Life. Today, more than 7,000 children are sponsored at some of the best schools in Rwanda. By sponsoring a child, you help to break the cycle of poverty in Rwanda and free a child to dream. You change the world for one. In addition to education, each sponsored child receives shoes, a school uniform, scholastic materials and basic medical insurance. Children attend a bimonthly Christian day camp and a four-day Bible camp each fall. 90% of child sponsorship funds directly help your sponsored child in Rwanda. Your relationship as a sponsor is critical in your sponsored child's life. As a sponsor, you are considered family. They love you, pray for you, and know you by name!
Prayer Calendar
Join us in praying for Africa New Life and the children in Rwanda each month by signing-up for the monthly prayer calendar!
- Hotel Rwanda
- Sometimes in April
- Frontline: The Ghosts of Rwanda
- As We Forgive (Documentary)
- Beyond the Gates
- When Helping Hurts: How to Alleviate Poverty Without Hurting the Poor and Yourself, by Brian Fikkert and Steve Corbett
- Left to Tell: Discovering God Amidst the Rwandan Holocaust, by Immaculee Ilibagiza
- Led by Faith: Rising from the Ashes of the Rwandan Genocide, by Immaculee Ilibagiza
- We Wish to Inform You That Tomorrow We Will be Killed With Our Families: Stories from Rwanda, by Philip Bourevitch
- A Thousand Hills: Rwanda's Rebirth and the Man Who Dreamed It, by Stephen Kinzer
- Land of a Thousand Hills, by Rosamund Halsey Carr and Ann Howard Halsey


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By Angela Moon
NEW YORK (Reuters) - Frenzied buying in Twitter shares grabbed Wall Street's attention on Thursday, as the social media stock surged well above expectations, while major indexes fell, with the S&P 500 suffering its worst daily decline since August.
The broader market was hurt by weak earnings from Whole Foods and Qualcomm. The tech-heavy Nasdaq index recorded its biggest daily decline in a month.
"Twitter is grabbing all the attention here, but what you should really look at is also how the Nasdaq and the small caps are suffering today while the defensive stocks are holding up. It suggests that there are cracks under the surface," said Ryan Detrick, analyst at Schaeffer's Investment Research in Cincinnati, Ohio.
Twitter Inc
The shares opened at $45.10 a share, up from the initial public offering price of $26 set Wednesday, then added to those gains, hitting a high above $50. The stock closed up 73 percent at $44.90 with 117 million shares traded.
"This crowns Twitter probably as the most expensive IPO on a price-to-sales metric ever," said Channing Smith, managing director at Capital Advisors in Tulsa, Oklahoma. "With this multiple, you're leaning on everything going right," Smith said.
The rest of the market was more downbeat. Qualcomm
The Dow Jones industrial average <.DJI> was down 152.90 points, or 0.97 percent, at 15,593.98. The Standard & Poor's 500 Index <.SPX> was down 23.34 points, or 1.32 percent, at 1,747.15. The Nasdaq Composite Index <.IXIC> was down 74.61 points, or 1.90 percent, at 3,857.33.
The Nasdaq was led lower by an 11 percent drop in Whole Foods
The Russell 2000 index <.TOY> of mid- and small-cap stocks fell 1.8 percent, its worst daily decline since late August.
Trading in OTC securities was resumed at 3:00 p.m. EST (2000 GMT) after a connectivity issue that had triggered a halt in more than 10,000 equities was resolved.
Investors in U.S. stocks shrugged off the European Central Bank's move to cut interest rates after a slump in inflation sparked fears the euro zone's economic recovery could stall. The move reinforced expectations global central banks will continue to buoy struggling economies.
Separately, data showed the U.S. economy grew 2.8 percent in the third quarter, but that estimate, which will be revised, was affected by a larger-than-expected build-up of inventories, which tends to subtract from growth later on. Initial jobless claims fell 9,000 to a seasonally adjusted 336,000 last week, roughly in line with expectations.
Those reports, as well as Friday's much-anticipated jobs numbers, will give investors some insight into how long the Fed will keep buying $85 billion a month in bonds. The central bank's stimulus has been a key component of the 24.1 percent year-to-date gain in the S&P 500, putting the index on pace for its best yearly performance since 2003.
About 6.7 billion shares of NYSE-listed securities, AMEX and regional exchange-listed securities and Nasdaq-listed securities traded on Thursday, according to data by Bats Global Markets.
(Reporting by Angela Moon; Editing by Nick Zieminski)


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Asst. Dir. of Planned Giving, Western Region
Kent Smith joined the NRA Office of Advancement in the Planned Giving Department in 2008. Born and raised in south Texas, Smith began hunting as a youth and became an NRA member at the age of 12.
Later in life, as a graduate of Texas A&M Kingsville, he went on to earn his law degree from the University of Houston. Since graduating law school, Smith has been a bank trust officer, estate planning consultant, and founding partner in a Texas law firm.
In 2006, Smith and his wife relocated to Angel Fire, New Mexico, where he became a fundraiser for the NRA Whittington Center. An avid shooter, Smith competes yearly as a member of the National Sporting Clays Association, and hunts big game in Texas and ducks in Louisiana annually.
Kent currently serves as Assistant Director of Planned Giving for the Western Division.
We are dedicated to building relationships with patriots who are seeking to secure the future of freedom and we can't wait to speak with you.Explore Ways to Give
The NRA Ring of Freedom is dedicated to building relationships with patriots who are seeking to secure the future of freedom.
© 2019 National Rifle Association of America. This may be reproduced. This may not be reproduced for commercial purposes. Privacy Policy


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You've successfully demonstrated that you are facing murderous brutality. It's clear that you can't breathe and can't be, to the powers that be. And, though a change is going to come, change takes time and... Oh my, would you look at the time! History is over and politics and culture have been put on pause, because we've reached the end credits and most of the audience has left the theater. Technology can do your research and drive your car. And now it will move our movements. The 21st century is a bodycam on an American cop, and a twitter feed in the hands of an Egyptian protester. A Skype seminar with a Palestinian organizer and a hashtag against colonialism. You can record that cop placing a weapon on a corpse, or a soldier in occupied territory blowing out the brains of an attacker, now laying on the ground.
But somewhere in the back of our heads we recite that old book we were read as children called "History Is Over" by Ronald Reagan and Margaret Thatcher, with illustrations by Brian Mulroney. A neoliberal tale of the pinnacle of politics and smooth and orderly democracy.
And if history is over, who needs to know about it? Organizing people to demand a new way of being from their societies is naive. If there's a problem there may be an app and if not, it may not be that much of a problem. There's no need for voting drives, and marches, and sit ins, and disrupting the ongoing order by taking power in education and in living and physical space. You'll only polarize people and make them angry.


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Top Items:
Tim Westergren / Pandora:
CONGRESSIONAL EMERGENCY!!! — Listeners we need your help... NOW! — After a yearlong negotiation, Pandora, artists and record companies are finally optimistic about reaching an agreement on royalties that would save Pandora and Internet radio. But just as we've gotten close …
Discussion: Mashable!, greg hughes, Off On A Tangent, The Social, Gizmodo and CNET News
Paul Glazowski / Mashable!: Pandora Hopes Upon Hope for Passage of Webcaster Settlement Act
Steve Garfield / Off On A Tangent: Save Pandora Today
Caroline McCarthy / The Social: Pandora to Congress: Vote now, we're running out of time
Wilson Rothman / Gizmodo: Pandora, Nearing Survival Deal, Gets New Threat From NAB
Greg Sandoval / CNET News: NAB tries to block fee reduction for Web radio
Jennifer Leggio / Feeds:
A call to arms for radio fans: Pandora needs you now — When I spoke to Pandora founder Tim Westergren last week he told me that there would be a time when the Internet radio site would need to issue a call to arms to its listeners — that time is now. — Westergren sent a pleading message …
Discussion: GottaBeMobile, Boy Genius Report, Techdirt and E-Commerce Times
Warner Crocker / GottaBeMobile: Pandora Needs Some Help
Michael Masnick / Techdirt: NAB Trying To Cut Off Pandora's Air Supply
Renay San Miguel / E-Commerce Times: Google's Page Makes Noise Over 'Rigged' White Space Test
Julian Sanchez / Ars Technica:
IP bill passes Senate, no civil enforcement power for DoJ — The PRO-IP Act, which would ramp up enforcement of intellectual property laws and stiffen penalties for infringers, won approval by unanimous consent in the Senate Friday—but only after legislators stripped out a controversial provision …
Discussion: p2pnet, DefectiveByDesign.org, Public Knowledge, RIAA and Public Knowledge
Stephanie Condon / CNET News:
Senate unanimously passes RIAA-backed bill
Senate unanimously passes RIAA-backed bill
Discussion: Techdirt
Michael Masnick / Techdirt: Senate Gives The White House A Copyright Czar
David Kravets / Threat Level:
Senate Passes Bill Creating 'Copyright Czar'
Senate Passes Bill Creating 'Copyright Czar'
Discussion: DSLreports, Slyck and Digg
Brad / Liliputing:
Lenovo IdeaPad S10 dissected — When some people get a new computer, the first thing they do is install their favorite applications, tweak the operating system, or even replace Windows with Linux or OS X. Others? They rip it apart to see what's on the insides.
Discussion: GottaBeMobile
Warner Crocker / GottaBeMobile: Lenovo IdeaPad S10 Laid Bare
Sergey Brin / The Official Google Blog:
Our position on California's No on 8 campaign — As an Internet company, Google is an active participant in policy debates surrounding information access, technology and energy. Because our company has a great diversity of people and opinions — Democrats and Republicans, conservatives and liberals …
Discussion: Lockergnome Blog Network, L.A. Times Tech Blog, Valleywag, The Technology Chronicles and The Inquisitr
Ron Schenone / Lockergnome Blog Network: Google Supports Gay Marriage
Jessica Guynn / L.A. Times Tech Blog: Google opposes ballot initiative that would ban same-sex marriage
Verne Kopytoff / The Technology Chronicles: Google opposes Prop. 8
Duncan Riley / The Inquisitr: Google comes out against Proposition 8
Jason Lee Miller / WebProNews:
Oops: WSJ.com Ad Calls McCain Win Before Debate — Journal blames clerical error — This morning, before Senator John McCain even agreed to attend tonight's debate, a Web ad paid for by the McCain campaign appeared alongside a Wall Street Journal article boldly declaring him the winner.
Discussion: Washington Post, Valleywag, CNET News, Silicon Alley Insider and securosis.com
Chris Cillizza / Washington Post: McCain Wins Debate
Vasanth Sridharan / Silicon Alley Insider: McCain Declares Himself Winner Of Tonight's Debate
Rmogull / securosis.com: Political Information Warfare?
Matt Marshall / VentureBeat:
Windows Mobile 7 phone release now seriously delayed — could be as late as 2010 — Microsoft is delaying the update to its mobile operating system, called Windows Mobile 7, with the new phones carrying the operating system now increasingly unlikely to hit the market before 2010, according to sources.
Discussion: TECH.BLORGE.com, mocoNews.net, Silicon Alley Insider, Gizmodo and GottaBeMobile
Erna Mahyuni / TECH.BLORGE.com: Windows Mobile 7 late and likely delayed to 2010
Jesus Diaz / Gizmodo: Internet Explorer Mobile 6 First Screens
Matt Faulkner / GottaBeMobile: Internet Explorer Mobile 6 Screenshots
Ballmer changes tune while dancing around Apple's success
Ballmer changes tune while dancing around Apple's success
Discussion: Tom Foremski: IMHO, MacDailyNews and 9 to 5 Mac
Tom Foremski / IMHO: Steve Ballmer comes to Silicon Valley . . .
Andy Space / 9 to 5 Mac: Microsoft's Ballmer says iPhone will fail
Andrea Larrumbide / coneinc.com:
Cone Finds That Americans Expect Companies to Have a Presence in Social Media — FOR IMMEDIATE RELEASE — Harder-to-reach audiences are ripe for social media interaction — Almost 60 percent of Americans interact with companies on a social media Web site, and one in four interact more than once per week.
Discussion: Terry Heaton's PoMo Blog, Andy Beal's Marketing Pilgrim and Podcasting News
Terry Heaton / Terry Heaton's PoMo Blog: Why traditional media NEEDS social media
Jordan McCollum / Andy Beal's Marketing Pilgrim: Consumers Want Businesses on Social Networks
James Lewin / Podcasting News: 93 Percent Of Americans Believe Your Company Should Be Using Social Media
Frederic Lardinois / ReadWriteWeb:
Study: 93 Percent of Americans Want Companies to Have Presence on Social Media Sites
Study: 93 Percent of Americans Want Companies to Have Presence on Social Media Sites
Discussion: The KickApps Blog and WinExtra
Michael Chin / The KickApps Blog: Your Customers Want You To Be Social
Steven Hodson / WinExtra: When Numbers Are Self-Serving Bulls**t
Sue Decker / Yodel Anecdotal:
Myth-busting and the Yahoo!-Google agreement — There's been a lot of speculation swirling around about the Yahoo!-Google agreement. We hear everything from the claim that Yahoo! and Google will be fixing prices to the prediction that the agreement is a death sentence for Yahoo!'s sponsored search business.
Discussion: TechCrunch, Search Engine Journal and Portfolio
Michael Arrington / TechCrunch: Yahoo, We Can't Afford A Monopoly In Search Advertising Even If It Kills You
Laura Rich / Portfolio: Yahoo President Defends Google Ad Pact
Joel Hruska / Ars Technica:
New clickjacking affects all browsers; cause remains unknown — Jeremiah Grossman and Robert "Rsnake" Hansen initially planned to reveal details on a new browser-agnostic clickjacking exploit at the Open Web Application Security Project (OWASP) in New York City this week …
Discussion: hackademix.net, InformationWeek, The Forrester Blog …, eWeek Security Watch and Digg
Giorgio / hackademix.net: Clickjacking and NoScript
Matthew Hines / eWeek Security Watch: Clickjacking Browser Attack Details Emerge
Royal Pingdom:
10 amazingly alternative operating systems and what they could mean for the future — This post is about the desktop operating systems that fly under the radar of most people. We are definitely not talking about Windows, Mac OS X or Linux, or even BSD or Solaris.
Discussion: CrunchGear
Devin Coldewey / CrunchGear: 10+ alternative OSes that may provide next year's innovations
The Boy Genius / Boy Genius Report:
AT&T's Pantech Matrix gets viewed and spec'd — Hated the Pantech Duo but loved the form-factor? Well, AT&Tizzle is looking to grab you as a potential customer with the Pantech Matrix. It uses the same dual-slide mechanism as the Duo, but sadly runs Pantech's run-of-the-mill OS.
Discussion: IntoMobile and Engadget Mobile
Dusan / IntoMobile: Pantech Matrix coming to AT&T
Chris Ziegler / Engadget Mobile: AT&T's C740 Matrix from Pantech gets pictured
Robert Scoble / Scobleizer:
The Scoble Top Tech Blogger/FriendFeed/Social Media List — This is my hand-picked list of the people who provide the most interesting tech blogging/tweeting/FriendFeeding. All of these point to FriendFeed. If you know someone who deserves to be on this list, please post their FriendFeed URL.
Discussion: chrisbrogan.com, GottaBeMobile and Valleywag


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Librarians usually hold master's degrees, having studied library and information science, and sometimes specialize in a particular area relevant to their workplace needs. Here you can learn more about the work of a librarian, and the salary and career outlook for this field.
Essential Information
Librarians organize and manage collections of books, magazines, newspapers, journals, electronic documents and other data resources. They also help people find and understand information they are needing within the library. Librarians work in a variety of settings including academic, public, private, school and specialty libraries. Most library positions entail master's degrees in library science or a specialty field. Librarians in public schools may need to be certified, which often requires a teaching certification.
|Required Education
|Master's degree in library science or specialty area
|Public schools may require certification
|Projected Job Growth (2018-2028)*
|6% (for all librarians)
|Mean Salary (2018)*
|$61,530 (for librarians)
Source: * U.S. Bureau of Labor Statistics (BLS).
Librarian Educational Requirements
Undergraduate Degree
The path to becoming a librarian begins with an undergraduate degree from an accredited 4-year college or university, which is required for admission into graduate school. Undergraduate students are not required to study any specific major; however, graduate schools typically only admit students with a B average or minimum 3.0 grade point average. Admission into graduate school may also entail submitting recommendation letters, sitting for interviews and passing a standardized test.
Graduate Degree
Employers typically prefer to hire librarians who have completed a master's degree program accredited by the American Library Association (ALA). Such degree programs include the Master of Library and Information Science and Master of Library Science (MLS), which typically take 1-2 years to complete. Master's programs prepare students for careers in library and information science. Courses may include:
- Library management
- Cataloging
- Information science
- Research methods
- Reference resources
- Library collections
While some librarians hold degrees in general library or information science, others pursue specialty degrees in concentrations of the field, such as school, archival or art librarianship. Specialization may be required for some positions. For example, school librarians in many states are required to earn a master's degree in education or library science with a specialty in library media.
Career Information
Employment Outlook
According to the U.S. Bureau of Labor Statistics (BLS), librarian employment is projected to grow only six percent from 2018-2028 (www.bls.gov). Librarians will be needed to manage employees and help people with research and reference questions. Demand for librarians will be hindered by budget decreases and greater use of electronic resources which require less maintenance and are easier to navigate. Job opportunities may also be reduced through the hiring of library assistants and technicians to replace librarians.
Salary Information
In May 2018, the BLS reported that librarians earned a mean salary of $61,530 per year. Many librarians worked in elementary and secondary schools, earning an average annual wage of $63,720. The highest paying positions were in the federal branch of the government, which offered an average annual wage of $88,730.
Librarians can work in academic, public, private or school libraries, overseeing collections and assisting people in finding information. They tend to hold master's degrees and often specialize in a specific area, sometimes even attaining certification. Job growth is predicted to be average for librarians, at a rate of six percent through the year 2028.


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Economic measures throw up an alphabet soup: GDP, GNP, RPI, CPI, PMI – the list goes on. But the methods of measuring economic development are a complex and not always entirely accurate business.
The larger the organisation, the more complicated the calculations. Small businesses are relatively easy to fathom by simple accounting measures, but reckoning the economic performance of a country is profoundly challenging.
But that is not the job of a trader – he must trust the economists' sums are correct and use the results to inform him of the likely mood of the market.
Economic performance and the markets
In this introductory guide, we'll deal mainly with the economic data that tends to have the largest impact on financial markets.
Investors tend to divide the data into two categories:
- Backward-looking data
- Forward-looking indicators
The first is easy to explain: this is the data that has been measured over the previous weeks or months that can then be calculated into a reasonably accurate final figure.
But with forward-looking data, how do you measure something that is yet to happen? You ask business and economic professionals for predictions based on current conditions.
So let's look at some of those measures and try to fathom just how useful they really are?
1. Gross domestic product (GDP)
This is the total economic output of a country, the value of all the finished goods and services produced, usually published quarterly. It can be calculated by adding consumer spending, government spending, investment and exports, and subtracting imports.
Market uses: As a sign of the relative economic health of a country, it is useful to investors with more of a long-term outlook to ensure their investments in a particular country are likely to be safe.
Critics: Few traders wait with nervous fingers twitching for this data to arrive. The number (usually expressed as percentage growth) is first presented as a "flash estimate" in the week or so following the end of the calculated quarter.
This will be updated a couple more times over the following weeks, so by the time the final figure is in, it is no surprise to the market.
2. Gross National Product
Although similar to GDP, GNP measures the value of all finished goods and services produced annually by a country's nationals. It, therefore, includes those goods and services produced by expatriate citizens and domestic companies based overseas, but excludes what immigrants to the country have produced and earned.
Market uses: Market analysts do not tend to use this measure, preferring the GDP number as a measure of domestic economic health.
Critics: The US Bureau of Economic Analysis prefers GDP as its measure of economic output due to "the increasingly global nature of national economies and the interdependence of labour forces, supply chains and sales channels".
Most countries including the US and UK use a measure called the consumer prices index (CPI). It is calculated using a basket of goods and services, which include transport, food and medicines.
It takes an average of the individual price changes, weighted according to reflect frequency of sales.
Market uses: Inflation is an important guide to the health of an economy, but is more important to investors as an indication of likely interest rate moves.
The higher the inflation, the more likely interest rates will be lifted to counter inflationary effects. Bonds and currencies are particularly sensitive to rates.
Critics: Some believe the retail prices index (RPI), which is rarely used now, to be a truer measure of inflation as it includes rises in mortgages, rent, housing tax – which the CPI excludes.
Differences also in the calculation of the two means that RPI is always higher than CPI – good for government pension calculations.
3. Employment
Every country has its measure of employment, but let's look specifically at that of the US, because it is a data release of global importance.
The US Non-Farm Payrolls report (published on the first Friday of every month) measures the number of jobs created during the previous month – not including seasonal farm workers. It also gives a percentage reading of the number of unemployed and wage growth.
A hierarchy of data exists and this is one of the most highly anticipated. It gives an insight into the labour market of the world's biggest economy and has the ability to move global financial markets.
Market uses: Everything stops, day trading positions closed out, everyone gathered around the newswire ticker. No-one wants to be caught out of position for this data, perhaps the most eagerly and nervously awaited release of the economic calendar.
It really can move every market if the number is big enough, but forex and bond traders are the ones most likely to get caught out if they are positioned badly for the news.
Critics: Revisions to data from past months are frequent and can vividly alter the picture. This leads to some criticism that the data are too backward looking to be entirely useful. But try telling that to the trading floors on the first Friday of each month.
4. Productivity
Productivity is a ratio between output and inputs. It measures how efficiently production inputs, such as labour and capital, are being used in an economy to produce a given level of output.
Data on productivity are included in quarterly GDP reports, while companies in certain sectors such as mining and oil production release regular statements on productivity.
Market uses: The OECD produces international league tables. Employers and governments use it as a stick to beat workers. "Productivity isn't everything, but in the long run it is almost everything. A country's ability to improve its standard of living over time depends almost entirely on its ability to raise its output per worker," argued Paul Krugman in The Age of Diminishing Expectations (1994).
Critics: Noble Francis, chief economist at the UK's Construction Products Association dismisses productivity as a crude measure: "Productivity ignores quality. Doing things better, or killing fewer people, do not count towards productivity," he says.
5. Sectoral data
There are many other important data points which are closely followed by certain sectors of the market:
- Trade account data – a measure of a country's exports compared with its imports
- Retail sales data – monthly sales from a country's retailers
- Durable goods data – monthly sales of white goods and other big-priced items (mainly US)
- House price data – useful guide to overall economic health
- Industrial production – a measure of output of the industrial sector
6. Purchasing Managers' Indexes (PMI)
Called PMI in most countries, this measure is known in the US as the ISM Index (Institute for Supply Management) and surveys the purchasing offices of industry across sectors, separating manufacturing and services.
New orders, inventory levels, production, supplier deliveries and employment data are all gathered and collated to produce an index, expressed as a number. Any number of 50 or above indicates growth, while below 50 suggests contraction.
Market uses: This data is often used as a guide by economists to estimate future GDP readings, and so is seen as a measure for likely market confidence in the coming weeks. There is a strong correlation between PMI readings above 50 and bullish stock markets.
Critics: Not all business cycles are the same. Some are seasonal, others are more linked to the overall economy. So, in countries dominated by just a couple of industrial sectors the data may not be that useful.
7. Consumer confidence
Consumer spending drives the economy. This is why inflation and unemployment are such important data, so a measure that gives some insight into levels of optimism of those spending their earnings is useful.
Every major capitalist country produces some form of confidence index and is based on a survey of a number of households that are asked about current and future business conditions, current and future employment conditions and household income.
Market uses: Changes in consumer confidence can encourage manufacturers to alter inventory levels, while markets are given a suggestion of the likely path of consumer spending. As confidence ebbs, the likely first markets to be hit are the consumer-facing sectors of the stock market – retailers, luxury and durable goods etc.
Critics: Since consumers don't necessarily have perfect knowledge of the state of the economy, their future assessments are more likely to be driven by current indications, so this data can lag actual improvements in economic growth.
8. Business/economic confidence
There are a couple of measures in Europe that are closely followed by markets:
- IFO business confidence – surveyed and compiled by IFO, the German economic think tank
- ZEW economic sentiment – surveys business and financial analysts in major economies on how optimistic they are about current and future trading conditions
Do economic measures tell the truth?
Be warned: all the indicators of economic development are merely blunt instruments without interpretation or analysis. And the markets don't necessarily react in the ways the data suggest they should.
For example, if unemployment is falling and the latest data suggest another large fall in the number of jobless, an investor might reasonably expect gains for stock markets.
Consider, however, the impact of "good" data close to the peak of the economic cycle: if the country's central bank feels the economy is getting a little "hot", then further good data might prompt interest rate increases.
If markets feel this point is close, they might react negatively to positive economic news.
It is easier to understand what the data means than it is to interpret how the markets might react.


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Allegro Group is a results-driven consulting and talent acquisition firm.
Allegro Group is hired by businesses to partner on their growth strategies and succession plans. We are committed to understanding where our clients are today, identifying where they want to be and then partnering with them to define what leaders and talent structure will allow them to reach their full potential. The companies we work with are extremely selective about how they build their teams, so they hire us to provide advisory services and recruit top industry professionals that they wouldn't otherwise have access to.


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I think I will wait till Auber has there WiFi PID this summer instead of buying a untested over time unit that is blue tooth and will more than have the same heating problems as our units have now. Just my thoughts.
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Congressional End Run
Posted by By Scott Paterno at 6 July, at 18 : 11 PM Print
During the great debate over the Constitution – a seminal moment in human history – the Framers' fears and anxieties about government were laid bare, including a near mortal dread over the accumulation of too much power in either the Executive or Judicial branches. It was "self evident" to these former rebels and outlaws that too much power in too few hands leads to a loss of liberty – a tyranny of the minority.
Accordingly, when the Constitution was drafted, the assumption was that the legislature would be the driving force in the Republic (the idea that these were three equal branches came later as the two other branches grabbed more power). As the closest to the people, the belief was that the legislature would be a philosophical rock tumbler of ideas, regional bias, and political interest – and that the resulting policies from such a body would be a smoother middle way having come as a product of compromise.
In the Framers' mind, the executive (in the form of the King) had far too much power even limited by Parliament. It was this type power – the power of the executive to deprive the people of their liberty or property without the consent of the governed – that the Framers sought to deny the new presidency.
As their words and actions make clear, the Framers viewed almost any power in the hands of the executive, absent congressional assent, as a threat. It is for this reason that the President's power is limited by congressional consent – through the purse – in almost every regard (with a few notable exceptions like pardons). Even the President's lack of assent in congressional action is limited by the ability of Congress to override a veto.
The Framers did this because they feared too much power in the hands of the few. It was – and is – a fear rooted in the fertile soil of human experience.
In that context, this president's willingness to undermine the legislative branch stands as a rejection of the founding principles of this nation. Consider the following:
After losing a vote on Cap and Trade, the president – through the EPA – sought to achieve the same effect through executive fiat. By claiming jurisdiction to regulate CO2, the EPA appears to want to enforce the "cap" part of cap and trade. Never mind that this was specifically rejected by the Congress, it is also a prescription for an even worse recession.
More absurd than this was the president's formulation on the Libya issue. The legal and mental gymnastics required to support his position in effect condemn his aim – that is, to neither condemn the war powers act as unconstitutional nor to risk a losing vote on military action authorization from a suddenly dovish congress. So he ignores the law – granted, not for any sinister reason, but with a no less ill result; after all, we now have the precedent that, when faced with a likely losing vote, the president can simply interpret the War Powers in a manner that suits his aims. Machiavelli would be proud.
I can list many more, from using recess appointments to stack the National Labor and Mediation Boards, to granting waivers to his own healthcare law without any consistent standard, to refusing to defend the Defense of Marriage Act rather than seeking to repeal it. These actions – and many more – demonstrate the president is willing to achieve his ends through whatever avenue he can find.
And yet none of that is anywhere near as audacious – and potentially damaging – than the most recent trial balloon floated. In case you missed it, the White House and leading congressional Democrats are starting to whisper that the president does not need congress to raise the debt limit.
Consider that again – the president is contemplating "re-interpreting" the 14th Amendment in a way that allows him to raise the debt ceiling without congressional approval. He would be the first president to even attempt such a thing.
For the president and the Democrats, this would be a dream come true – more money now and no need to cut a dime to get it. It also means that – if successful – the precedent is set and our government "of the people" is weaker as a result.
This is a huge land grab, make no mistake – one that then-Senator Obama (who voted against raising the debt ceiling) would have decried from the mountaintops. It will take away legislative leverage – leverage that the Framers demanded the legislature have. After all, the power of the purse has always been Congress' greatest power.
Now, because he and his party do not want to face the reality of split power and the need to cut a deal that includes real reforms, this president is willing to permanently damage our institutions for short term political expediency.
It also takes a long step toward consolidating more power within the ever-expanding federal executive leviathan.
The Framers feared this. After thirty months under this president, I understand why.
Photo by Nancy Pelosi
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You can understand why big-pharmaceutical industries would be interested in studying the placebo effect. In order to fabricate good medicines, the effects have to be real… in the sense that the healing effects are not simply due to psychological residues.
Robin Hason, on Overcoming Bias suggests that their are gaming the system; seeing how, when and where they should conduct research on certain drugs to maximize the placebo effect. In other words, placebo effects for different drugs is widely variant based on different cultures, geographies and the like. Since no drug trial is truly randomized (despite appearances), some studies will report different effects when tested in different areas or subgroups. Pharmaceutical companies would like to test their drugs in ways that allows them to maximize their apparent effectiveness against the placebo 'background.' Worse, the NIH and (probably) FDA are staying mute on the subject because they don't want to lose their corporate funding. Talk about the importance of financial signals!
In a related post, Mind Hacks has an excellent post about how the placebo effect isn't just the effect of "mind over body" healing, but it is also statistical variations in the way different people respond to disease and medicine. If the subjects of a study are not properly randomized into groups (or a poor sample population is chosen in the first place) then the placebo effect will change the "background" signal of disease progression sans drugs, which will change the apparent effectiveness of the drug. (HT2 TGGP in the comments at OB)


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A Look At Quasi-Classical Music
Have you ever run into a situation where a piece of classical music seems appropriate but when you fly it in, the familiarity factor raises its ugly head? Yeah, it helps the scene but that Bach piece has been used to death. Might we suggest looking at the CSS Music original, quasi-classical tracks?
On the CSS Music search page, you will find our list of hand picked genres for your perusal. Click on "Classical" and you will find 400 tracks from our library in a variety of styles, tempi and arrangements. Besides the "Greatest Hits" from the Masters, there are original pieces like "Classical Touch" (Super Themes, Vl. 37,) a gentle guitar piece with a nod toward the great Andre Segovia. And on Super Themes Vl. 13 there's a playful original piece by David Wurst entitled, "Scherzando in C Major" that could work extremely well in place of a more familiar Mozart or Bach piece.
Need something that's totally whack? Listen to "Information Explosion" (Super Themes, Vl. 18) that incorporates classical themes over a busy electronic sequencer bed. And for the Holidays there's a quasi-classical piece from Project Platinum, Vl. 10, "The Christmas Waltz." Speaking of waltzes, there's an interesting piece in Repro-File Potpourri called "E flat Waltz" that evokes a scenic, travelogue vibe.
Of course if you need something from the classical era, CSS Music has an assortment of some of the most popular themes ever composed. From Bach to Vivaldi, we have conventional classical to suit any situation you might encounter. Oh! If you've never heard Mason William's "Classical Gas," Google it. J


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And so it is…
Full Moon time once again.
As with every Full Moon, we reach the point in our lunation calendar that marks a climactic event – one whose nature is high-lighted both with daytime (solar/conscious) and night-time (lunar/reflective) perspectives, although their views are in diametric opposition. The theme is often related to a whole-hearted intention made two weeks earlier at the New Moon, and its effects generally active for the two weeks around the exact event. The New Moon that follows two weeks later is a chance to set a fresh intention.
Naturally, not everybody is affected as personally by each lunation. Those whose chart (planets/point) is impacted (+/- 5° orb) will feel the affairs of the lunation most intensely, although everyone feels the indirect effects of what this critical moon-phase brings in one sense or another.
The culminating phase of the lunar cycle provides us with an opportunity to confront our personal matters head to head. Conscious desires stand opposite unconscious (emotional) needs, and our soul feels like it is being torn by inner conflict. Through some personal crisis, we come to determine whether a certain situation is being fruitful for us or not.
Hence, we may either 'reap those fruits' – in the Taurus sense, count our investment as being a sound and secure one, often validated with the inner satisfaction that something has matured; or otherwise may see what no longer serves us and decide to end the affair (divestment).
When the Taurus Sun opposes the Scorpio Moon, the central themes are specifically around what we have vs. what we desire from others. The polarity is between
- constructiveness vs. destruction;
- placidity vs. emotional rage;
- stability vs. crisis;
- security vs. meltdown.
Let's unpack this a little bit:
With the fixed, earthy Taurus Sun in opposition to the fixed, watery Scorpionic Moon, there is no hiding now. Being of a fixed nature, there is little or no flexibility for bending around the key themes. It's make or break time. Through much intense reflection and effacement, we are pressed to define in rigid, non-negotiable terms what conditions we choose. The Taurus Sun wants to see commitment and stability. Does his Moon have what it takes? Does the Sun stand by what it gives?
We find out when she stands fully before him…
Generally, Full Moons have the effect of making us exceptionally emotional. In this event, the intensely passionate sign of Scorpio makes 'emotional' seem like an understatement. Scorpio's fixity in water means they tend to hold on to feelings like nothing else. "Still waters run deep" is the old cliché, most likely coined by someone trying to explain the way the Scorpion moves. It likes to store e-motions; bury them deep beneath the surface; brood and relish upon them in a perversely secret, sequestered place where nobody else can see. Scorpio gets a certain kick from possessing and storing emotional energy, just like Taurus does with acquiring and saving material things and money.
So when the Scorpio Moon is held to account by the earthy simpleness of the Taurus Sun, those often buried feelings of great depth and extremely intense magnitude are being brought to light. This is not often a pleasant for the Scorpionic Moon, who likes to keep her feelings private. Often there will be a reason that will precipitate the necessity for her to open up. She needs something from him, and she will barter or trade secrets in order to shift him from his simple, stubborn stance.
As this deep, inner world now becomes exposed, rampant, previously unveiled feelings are brought to the table, begging for some discussion which has the power to provide some much needed insight into hidden motives. Against Taurus, our instincts are invariably around what we need in order to nourish some inner insecurity, either through financial, practical or physical resources.
These 'hidden motives', or 'secret intents' to control and manipulate the physical world in order to appease our emotional desires are either manageable or may get out of control. Scorpio Full Moon events can serve to highlight where we become fixated or addicted. Raw, unprocessed emotions are usually behind destructive or self-sabotaging habits. When these become triggered, powerful urges and designs, previously hidden may erupt uncontrollably forcing a crisis. In the extreme, these urges have the potential to be quite catastrophic, as the earthy solid nature of Taurus, who is capable of enduring all kinds of extreme weather may choose to no longer supply us with the goods to do harm.
Ultimately, with any Full Moon, it becomes a struggle between heart and mind.
The Taurus Sun commands his worth, which comes from knowing with certainty the value of where he chooses to invest his energy in order to feel comfortable: in his relationships, material things, physical property, intellectual assets, marketable ideas, tradable skills and talents etc – anything that can be secured, considered of practical use, that will enhance the quality of enjoyment of life and enrich the quantity of our reserves so that they can stay sustainable.
What do you value?
The Scorpio Moon seeks security through vested interest. She may obtain this by using her cunning survival skills – her naturally seductive allure to sniff out, coerce, sequester and emotionally manipulate or exploit the resources of her subject. Her natural instinct is always to skillfully tap into what others value most by employing her innately keen psychometric powers to evaluate others' net worth. She then applies her canny knack for hooking into and transforming the raw, untarnished resources into a highly polished, viable, tradable commodities.
What qualities do you need most in others that you can use?
Of course, her own need for security stems from a primal, reverential fear of loss, abandonment and betrayal, even death. She needs to protect her interests with ferocious intensity. This Full Moon axis highlights where we might apply our fiercest, most extreme survival tactics to stay securely in the race; will do anything to maintain possession at all costs; fight tooth and nail to stay in the game, prosper and procreate.
In desperate times we may behave in wild and ruthless ways. Underneath it all there is an emotional vulnerability. The Scorpio Moon is most prone to emotional hurt, and as such (ruled by Pluto – now conjunct Mars – both rulers of Scorpio) is vulnerable to becoming possessed by extreme moods and liable to resort to desperate measures. Whilst the intent is to protect one's survival, the way it plays out may quite easily bring things completely undone in its perversely extreme execution. We all have an emotional breaking point, as well as very strict physical limitations. The full moon in this sign can often press us to reach those limits and unleash those inner demons, particularly when the supply of what we treasure most is under threat and needs fed at all costs in order to keep alive.
What would you fight most fiercely to protect in your life, even if it killed you?
It is with this extreme set of emotions that we come to assess our decisive stance this month. How much of what you share with others do you come to expect should always be there? What are the supply & demand arrangements fixed upon? Are they sustainable?
When we demand things, we are also liable to react in ruthless, extreme ways to ensure that we get them. When we do not receive the things we expect, especially when we are most emotionally vulnerable, we may become possessed by dark moods, spells of jealousy and fits of emotional rage.
If you are feeling extreme reactions to matters lately, these are merely instinctive impulses that your relationship (to person, thing or idea) is subject to gross emotional insecurities. This very critical lunation often augurs the onset of a relationship breakdown.Ultimately, no relationship can endure the one-sided, fixed or unyielding terms of give and take. Sometimes, due to stubbornness or unwillingness to change, conditions slip into a quiet, decaying emotional paralysis. Situations are held to ransom by the highly manipulative, spiteful emotions of expectation, jealousy and possessiveness. At some point, any or all of these three elements will become toxic and possibly fatal to any arrangement. To be stung by any (or all) of these venomous pricks could mean a slow, silent but certain death once their poison enters the bloodstream of a relationship. It is nature's built-in obsolescence against fixation, lack of trust and inability to just let something just 'be'.
Possessiveness comes in only when we invite the fear of losing something. If we have assumed that we 'own' something that appears to be slipping away from our clutches, this will lead to nagging and destructive criticism. Eventually the joy in the relationship will disappear completely because the sense of freedom is gone.
Expectations soon become limiting and unreasonable and when they are no longer able to be met ultimately result in disappointment.
Jealousy is the debilitating sensation of inadequacy in a relationship that generally arises when we compare our own worth to that of a third party. This ultimately leads to the crippling fear that we may be ignored, abandoned, humiliated or unloved. Wherever there is jealousy, toxic drama and disharmony follows. This eventually spoils any chance of building true intimacy or trust.
The Moon (by dignity) in its fall in Scorpio. This is a volatile position if emotions cannot be kept in check. An exact sextile to Saturn in Capricorn keeps her grounded and mindful of her parental and social obligations.
Pitted against the very staid and stable Taurus Sun, it means that the very object of our material/practical desires will challenge any fixed/toxic emotions – bring them up to be examined. Issues of emotional attachment, fixations and addictions that feed our psychological insecurities, past grudges and spiteful behaviours are all baggage that we must learn to see, transmute and transform.
Own any negative feelings.
See how powerfully they can take over and ruin your chances of stability and peace.
Instead of continuing to feed negative, distrustful thoughts with negative emotions, focus on this word:
Repeat that word in your mind. Feel into it. Understand that a lack of trust is just a feeling of insecurity about your own self-worth. It is not the truth. You are worthy. Trust in that.
On this full moon, see how this lunar moment highlights where you must detach yourself from any expectations and possessiveness in your personal affairs. Slowly you will come to a place where your anger, rage, hatred, jealousy, suspicion, denial, secrecy, separation anxiety, and feelings of horror about being abandoned or betrayed eventually subside and the answer to your situation will appear.
Holding on to what has hurt us in the past places us at the mercy of missing what it has taught us. Similarly, if all we learned was to hold onto grudges; seek revenge; never let go or show compassion; judge others as good or evil; be suspicious or spiteful; stay on emotionally on edge, waiting to inflict some harm, then we become stuck in the lower, vicious cycle of Scorpio.
The universe does not present us with emotional conflicts to block access to our heart. The universe only presents us opportunities to open it. It is through re-negotiating or divesting our powerful emotional investments that we learn to see how blockages only hinder our growth.
When we let go of fixed emotions, we develop compassion, learn to listen patiently, understand lovingly – not through suspicion, demandingness and wild speculation but through practicing empathy and developing ways for non-violent conflict resolution. Here, on this Scorpio Full Moon is an opportunity, through our patient, loving, compassionate communication to see how successfully we can turn any emotional conflict into a spiritually transformative experience.
Enjoy the wonderful gifts showered upon you by this blessed full moon xx
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© All rights reserved, Ang Stoic 2018
How does this Full Moon affect your Sun/Rising sign? Read your full Horoscope here…


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Happy Holidays!2017-12-20
ECC would like to take this opportunity to thank our partners and customers for the year that is coming to an end, and send our warmest wishes for a happy holiday season!
One of the real joys of the Holiday Season is the opportunity to say Thank You to our customers and partners.
We wish you the very best in the New Year and look forward to a continued fruitful and productive cooperation!


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1. What did Ruthie not see coming toward her face until it was too late?
2. How old is she?
3. Has Ruthie ever experienced something like this before?
4. When did Ruthie meet Hayden?
5. Why does Hayden tell Ruthie to get over in the car, her new car?
6. What does Ruthie do after she slides across the seat?
7. What does Ruthie do after she gets out of the car?
(read all 180 Short Answer Questions and Answers)
This section contains 4,560 words
(approx. 16 pages at 300 words per page)


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As Afghanistan was reeling under a series of terror attacks that left scores killed, one of the best sons of Afghanistan, former US ambassador to the UN Zalmay Khalilzad directly blamed Pakistan and called for a comprehensive strategy to defeat the war imposed on his country of birth by Pakistan.
In a series of tweet Sunday, Amdassador Khalilzad who is fondly called Zal said, "The terrorists backed by #Pakistan have declared war against the Afghan people. #Afghanistan and its allies need an effective plan to protect civilians and go after their enemies. This should be the number 1 priority.
"President Ghani should invite political leaders, seek their advice and involvement behind a strong plan. It cannot be business as usual. Afghan leaders must unite to mobilize the people and other assets to confront and defeat the barbaric threat.
"Politics should be put aside for now. Afghans should press their leaders to rise to the occasion and stop their little games. Afghanistan's future is on the line. @ashrafghani @realDonaldTrump."
Zal, the highest ranking Muslim to ever serve the US government, author of The Envoy and former professor of Columbia University, is one of the few Afghan Americans who understands the deceptive nature of Pakistan army and ISI, inside out.
The commander in chief of the United States, President Donald J. Trump, in a rare tweet of solidarity with Muslim victims Saturday tweeted, "Taliban targeted innocent Afghans, brave police in Kabul today. Our thoughts and prayers go to the victims, and first responders. We will not allow the Taliban to win!"
Ambassador Zal's views were backed by a young Pashtun-Afghan diplomat based in Geneva. Notwithstanding the Pakistan government official condemnation of the fresh spate of terrorism, Bilal Ahadyar, second secretary at the Afghan consulate in Geneva, believes Pakistan's ISI is 100 percent involved in the boorish and cruel suicide assaults and blasts in Afghanistan "by persistently supporting, financing, preparing, preparing and giving safe sky to the adversaries of Afghanistan, Taliban, Haqqani Network and other partnered radicals." Ahadyar regretted that despite being a neighbor, China consistently supports Pakistan which gives "places of refuge" to the fear mongers.
Ahadyar said irked over the US presence, Iran and Russia too were playing a role in destabilizing Afghanistan by siding with the Taliban. At the same time he lamented that while the US and the free world recognize Pakistan as the purveyor, they have failed to take action against the rogue state.
Both Khalilzad and Ahadyar are Pashtuns, which is the dominant nation in centuries old Afghanistan and the other nationalisties are Tajik, Uzbek, Hazara, Aimak, Baloch and few others. Pashtuns in Pakistan, created artificiially by the British in August 1947 by the division of India, form the second largest nation in that country.
However, a huge chunk of these Pakistan Pashtuns instead of following their legendary leader Khan Abdul Ghaffar Khan, who is buried in Jalalabad, say they follow Pakistan's tuberculosis infected leader Mohammed Ali Jinnah. These Pashtuns have earned themselves the title of Gul Khans, or dubious Pashtuns, as many Afghan, India and Baloch patriots believe Jinnah was a British agent.
Meanwhile, the stateless Baloch all over the world empathize with Afghanistan and are asking Washington DC, Kabul and New Delhi to make a joint strategy that includes freedom loving Baloch of Balochistan to defeat Pakistan terrorism.
(Ambassador Zalmay Khalilzad called this writer the "prime minister of Balochistan" at an event at the Johns Hopkin SAIS in Washington some times back).


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All this week, Rocks Off will be featuring the 2009 HPMA Nominees for Best Local Song as our MP3s of the day. Because we're going in alphabetical order and descending order of volume, American Fangs' "Le Kick" gets to lead off today. Good choice for the 40th anniversary of the moon landing, as this power-punk blast sounds like it's powered entirely by rocket fuel. Structurally, imagine the Jim Carroll Band ("People Who Died") with a Foo Fighters chorus - or hell,
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. The Houston quartet, whose self-titled 2009 EP is available for $5 download via SmartPunk.com, is currently on tour with Sick Puppies and Hurt, and returns home to play Scout Bar Clear Lake with Burn Halo July 31. You have until Sunday to vote in the music awards - ballots are in paper issues of the Press or online here.


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Join our Winemakers: JD Pretorius and Jolette Steyn for an informative and fun wine dinner at Bistro 1682. Each course, prepared by Chef Kerry Kilpin, will be paired with our elegant Steenberg wines.
Enjoy arrival canapés and bubbly followed by a 3 course wine-paired dinner hosted by JD and Jolette.
Date: 12 July 2017 | Time: 18:00 for 18:30 | Cost per person: R550 including a welcome drink, canapés, 3 course meal paired with wine, coffee/tea, truffles and gratuity. Extras to be charged accordingly.
If you are a Wine Club member, you will receive a 10% discount on tables of 6 or less.
Pre-payment is required to secure your booking.
To book, please contact us on 021 713 2211 or firstname.lastname@example.com
Prawn "Persillade"
Cheese Fritter, Truffle Honey & Rosemary
Seared Beef Tataki
Steenberg 1682 Chardonnay MCC NV
Saffron Risotto
Lightly Curried Calamari, Citrus Gremolata
Steenberg Sauvignon Blanc Semillon 2013
Porcini Dusted Pork
Celeriac Purée, Shimeji & Green Bean Salsa, Prune & Nebbiolo Jus
Steenberg Nebbiolo 2013 & Steenberg Nebbiolo 2015
Strawberry & Yoghurt Mille-feuille
Basil Crème Anglaise, Raspberry Ice Cream
Steenberg 1682 Pinot Noir MCC 2016
Chocolate Truffles


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Amazing Science
#plants #seeds #slow motion #video
Remarkable Footage of Plants That Explode to Disperse Their Seeds
The Smithsonian Channel just shared this brief new clip of three plant species that use different methods of propulsion to spread their seeds. The filmmakers captured slow motion footage of violets, touch me nots, and poisonous squirting cucumbers (!) as they explode in some pretty incredible ways. (via Boing Boing, The Kid Should See This)


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Focus School, Swansea: Heli Laiho-Murdoch reviews Gareth Morewood TrainingPosted on March 23, 2017 at 11:41 am
Autism and Education specialist Gareth Morewood gives a series of training sessions to parents and teachers at Focus School, Swansea. Heli Laiho-Murdoch gives a testimonial to Gareth's work.
Categorised in: Education, Testimonials, Training, Young People
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Tips to Help Your Pet Get Through the Cold Winter Weather.
It's no secret that humans get hit with the "winter blues," but did you know that your pet can have problems with this as well? When you are no longer getting in your daily walk and cold weather keeps your pet pent up inside, it can cause problems for your pet. Not only that, but pets can be affected by Seasonal Affective Disorder, lethargy, fatigue and withdrawal, during the winter months. Here are four tips you can use to help your pet beat the winter blues and enjoy his normal spunk during the winter months.
- Take a Walk in the Snow
If you have a dog that you regularly walk, winter can mean an end to those walks. Unless it's dangerously cold, don't let the cooler temperatures keep you indoors. Take a walk with your pet, and try to do so when the sun is up. Even if it's just a 20 minute walk across the neighborhood, the sunlight will help lift your dog's mood, and the exercise will do him some good too.
- Learn Something New
If you are stuck inside, spend the time doing some training with your dog. Learning something new can exercise his brain, and this can help lift his mood and tire him out a bit.
- Play Hide-and-Seek
If your pet is stuck indoors, play a rousing game of hide-and-seek with him. Take a favorite treat or some pieces of his food, and hide somewhere in your home. Then, with all of your enthusiasm, call him. When he comes, offer the treat. It won't take long for him to get the gist of the game, and then you can play for hours. This will get him physically and mentally active, and help encourage a happy, spunky personality to return.
- Schedule Some Play Time
It's easy to overlook play time with your pet in the middle of winter, but pets need to play even more during winter than in a season when they can be outside. Schedule play time into your day, and stick to that schedule.
If you are gone for most of the day, consider hiring a dog walker to come to your home and play with your pet. Play will lift the spirits and encourage exercise as well, and it will help strengthen your bond with your pet.
Remember, winter brings the "blahs" to us all, including our pets. Dogs and cats can be affected, so make plans now to help your pet through the end of the winter season with these helpful tips.


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November 2013
High Schoolers Visit Airfloat to Learn about Fusion ProjectNovember 20, 2013
A group of Mt. Zion High School students visited Airfloat/Align mid-November to learn about an international fusion reactor project, including the role Airfloat is playing in its development. The ITER reactor, currently under construction in Southern France, is funded by seven member countries and will produce 500 megawatts of output power when it becomes operational […]
Add Airfloat/Align to Your CONEXPO 2014 Show PlannerNovember 6, 2013
Airfloat parent company Align Production Systems will be exhibiting at CONEXPO-CON/AGG 2014 (March 4-8, Las Vegas). We will be located in the Gold Building, booth #70304. If you will be attending the show and would like to add Align to your show planner, click this link and follow the instructions. Hope to see you there!
Visiting Airfloat/Align Production SystemsNovember 4, 2013
Plan to visit Airfloat/Align Production Systems soon? Need driving directions, airport information or a place to stay or eat while in Decatur, IL? We've got you covered. Click here to download our Airfloat Visitors Guide.


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I paid my first subscription and went to the portal and I now have two books one new and one inactive. Help
I paid the subscription after my trail and now I have two books one that is inactive with all my data and a new one thats paid. Help?
Katrina King, 2 years ago


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Exercise: Karate
Okay, so I really need to put some more time and effort into remembering combinations and katas.
We went through all our combinations and there were so many that I couldn't remember. And I need to know these for my grading.
Note to self: Pull your finger out and do more training at home!!


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Dark Horse Motors
Welcome to Dark Horse Motors,
Our clients have high expectations for their vehicles, and equally high expectations about the dealership professionals who serve them. Dark Horse Motors is widely recognized to be among the best in quality, reliability, value and customer satisfaction.
When you're ready for a test drive, come by 8701 West 19th Street at FM 179, Lubbock, Texas.
Inventory by Make
Company Info
Ryan Brosh
Hours of Operation
10 am - 6pm Monday


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Football Friends: bringing new friends together
Football Friends is run in partnership with football clubs and their charitable foundations with the support of the Professional Footballers' Association (PFA) and brings individuals aged 65 or over together over a shared love of football.
We are currently running five-week programmes with the West Ham Foundation called Any Old Irons.
You can sign up to the next programme using the contact details below.
We have previously worked with QPR in the Community Trust, Reading F.C. and Brentford F.C. (Reading and Brentford F.C. still run programmes of their own). Contact us if you would like to be put in touch with them.


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Pearl-Pen processing:
Apply the paint to the surface directly from the pen. It forms itself into a semi-pearl. Dry thoroughly. After full drying, iron from the reverse using light pressure. Make sure this is done on a soft subsurface, i.e. a towel. Iron at medium heat (position 2 max.). In addition we recommend placing baking or ironing paper between the semi pearl and the ply.


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Been busy preparing for a group exhibition coming up in Felixstowe, Suffolk at The Reunion Gallery.
Beach huts - charcoal on paper
Waves - pastel on paper
Beach - pastel on paper
Sardines - charcoal on paper
Sardines II - oil on board.
Sunday, 17 October 2010
My New Works - 09/10 2010
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Edie Brodsky REALTOR®, CRS, ABR, Global Luxury Specialist
Contact Edie
Helping others fulfill their dreams is Edie's first priority. She puts your dreams above her own. Her skills are many from creative and organizational skills, to attention to detail and negotiation. With a Masters Degree in Art & Education, she spent over twenty years making a difference in the lives of many children all around the world. Edie has been a consistent top monthly performer since her first year in real estate and is in the top 7% of all Coldwell Banker Agents throughout the United States. Through her career in real estate, Edie's attention goes towards making a difference in the lives of everyone she works with. Edie's enthusiasm and dedication are obvious to all whom she comes in contact with. She knows how to listen and meet the needs of both customers and clients. Her professionalism, confidence, friendly manner and smile are infectious and will enable you to see that working with her will make a significant difference in the sale or purchase of your home.
Expertise & Qualifications
• Lauded for exceptional customer service by her clients
• Recognized among the top Coldwell Banker Agents worldwide
• Relocation Specialist & trained in military transition/moves
• Global Luxury Specialist
• Certified Residential Specialist, CRS
• Accredited Buyers Representative, ABR
• Certified Negotiation Specialist, CNS
• Certified Home Marketing Specialist, CHMS
"Edie is an exceptional Realtor. Her professionalism was outstanding as was her communication, thoroughness, and sensitivity towards us as sellers and buyers. We absolutely loved her and will recommend her again."
- Donna & Dick Peabody
"Edie was so helpful and a true pleasure to work with. She went above and beyond to accommodate our difficult schedule. She is impressively accessible via phone, email and in person. Her sincere and caring demeanor was the perfect fit for our Realtor needs... and will be the first person we call if we ever need to move again."
- Nellie and Chris
"As an attorney in a busy real estate practice, I have worked with scores of Realtors. I chose Edie because she is among the hardest working and most conscientious agents in Vermont, she takes a genuine personal interest in her clients' best interests &, perhaps most important to me, her honesty & integrity are beyond question"
- Kevin
"Edie is fantastic. She made my first time home buying super easy! I truly appreciate the time she took in explaining the process and thinking about what my needs were!"
- Julie Parker
"Edie's knowledge of the housing market in the Burlington area was invaluable to us. With limited time during each of our visits to Burlington, she took the time upfront to listen to our needs and then maximized the number of homes we viewed, ensuring we were able to make an informed decision about our new home. Her professionalism and genuine interest in making us "happy homebuyers" makes her a #1 realtor in our opinion."
- Greg and Ricky
Edie is terrific! She always makes herself available and is very particular about the details before during and after the transaction. She is extremely knowledgeable about all aspects of buying a home and she has wonderful connections to help in matters related to making a purchase. I would highly recommend Edie.
- Nancy, Stowe


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The physicians at Neuroscience Specialists focus on patient education through effective communication. Our team of professionals will strive to exceed your expectations in the delivery of medical services, ensuring your understanding of our policies, procedures and treatment recommendations. It is our goal to provide you with information critical to a positive post surgical outcome. Choose items below to learn more.
Hand and Wrist


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50 Cent makes it obvious he is a fan of Chief Keef, but now he is saying he is the best new artist out. 50 Cent goes on to say, "You know Chief Keef the Same age as my son? I want to see him make it out the streets only hip hop can do it." Anyone agree? Who would you give that title to?
Check 50 Cent on QVC below.


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We recently checked out the Dog Beach at Belmont Harbor and are pleased to report we had a wonderful time at this semi-hidden dog spot. This dog beach is part of Lincoln Park and is located east of Lake Shore Drive at the north end of Belmont Harbor.
We went there on a weekday evening, around dusk and there were only a handful of dogs playing there. After about 30 minutes we pretty much had the whole beach to ourselves and the dogs made full use of the space. This is not a big beach and really is tiny compared to Montrose, but it's a great change of pace and definitely has enough space for maybe 15 dogs to run free and play up and down the sand.
The beach is in the harbor, hence the name, and there are no waves washing ashore. The water seemed to be deeper there as well so if you have a little dog or a dog who doesn't like swimming, best to keep a close watch on them as they romp. My dog enjoyed watching the ducks land on the water, but quickly realized the sand drops off and the water gets deeper so she didn't venture out into the lake like she does at Montrose Dog Beach.
I really enjoyed being there at dusk, watching the sun set, having some peace and quiet in the city and watching the boats gently rock in the harbor. To get to this dog beach you have to walk through the park and into the harbor. That was also a peaceful and serene walk with the dogs and they enjoyed romping through the grass before we made our way to the beach.
Overall, the Dog Beach at Belmont Harbor is a wonderful spot for the dogs to play and enjoy the water, sand and open space. Keep in mind it is small and I would highly recommend going on a weekday night and enjoying the quiet and change of pace from the normally busy Montrose Dog Beach. This one is a little harder to find, but once you put it on your dog-list, I guarantee you will want to return.
You can read YELP reviews of the Dog Beach at Belmont Harbor. Some of the criticisms I saw dealt with the size of the beach, pollution from the boats, unfriendly owners and the cleanliness of the beach. My experience there was 5 stars all the way.


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Current Homes available in Ballard Ballard is distinctly Norwegian. Here Swedes, Finns, Danes and Norwegians all live in this community incorporated in 1888 and annexed in 1906 by Seattle. While the Ballard neighborhoods are still very Scandinavian, it is growing more … [Read More]
Capitol Hill
Homes available in Capitol Hill No neighborhood in the city has a more active sidewalk scene, day or night, than Broadway, Capitol Hill's believe-it-or-not version of Main Street. And no other neighborhood has a more diverse mix of housing, from historic mansions and elegant old homes … [Read More]
Homes available in Seattle Seattle's downtown, including the neighborhood of Belltown, features a smorgasbord of activities from visiting parks to dining at the area's superb restaurants. The waterfront activities have always been popular with both locals and visitors alike. Pike Place Market … [Read More]
West Seattle
Current Homes in West Seattle West Seattle's residential neighborhoods are varied and distinctive. All offer fine schools, great shopping, green parks and open spaces, easy access to libraries and views of snowcapped mountains and shining waterways that are simply spectacular by any … [Read More]
Homes available in Fremont This neighborhood is a self-styled "republic" of free thinking, the undisputed epicenter of funkiness in Seattle. Fremont is home to the world's only public sculpture of a troll under a bridge devouring a Volkswagen. It's a fun and eclectic neighborhood with … [Read More]
Green Lake
Current Homes in Green Lake Green Lake was once the summer destination for Seattle's early settlers. Today, it is one of the most highly desireable neighborhoods in Seattle, with commute times to downtown Seattle of only ten to fifteen minutes. Today, Green Lake is a recreation Mecca … [Read More]
Current Homes in Wallingford This is a comfortable family neighborhood just west of the University District. Its hallmark is an abundance of beautiful bungalows and Craftsman-style homes from the 1920s to '40s and the distinctive shopping and entertainment area at its … [Read More]
Current Homes in Magnolia Magnolia is well-known for its natural boundaries and limited through-traffic, giving it an almost island-like quality and one of the lowest crime rates around. Yet Magnolia remains only minutes away from downtown Seattle. Located on a peninsula west … [Read More]
Queen Anne
Current Homes in Queen Anne This is a neighborhood that saddles one of the highest points in Seattle. Minutes from downtown and right next door to the Seattle Center, Queen Anne boasts vintage houses and amazing views of the city and Puget Sound, the neighborhood is reminiscent of the … [Read More]
Current Homes in Madrona Homesteaded in the 1860's, Madrona is known for its racial diversity and integration. It is a small neighborhood located on the west side of Interstate 90. Over the last couple decades, housing values in this tight knit community have increased … [Read More]
Madison Park
Current Homes in Madison Park Madison Park is a lovely grassy park on the shores of Lake Washington, south of the Evergreen Point Bridge. The park features a bathhouse and swimming beach that is patrolled by lifeguards during the summer. The neighborhood has an exclusive feel and is … [Read More]
Current Homes in Leschi Leschi is a lovely neighborhood located on the edge of Lake Washington is named after Chief Leschi of the Nisqually nation. It offers an eclectic mix of housing opportunities that boast fantastic lake and mountain views. The many styles of homes include Craftsman, … [Read More]


text: This is the second song I wrote with kids...a group of 80 third graders. It's a very powerful piece. I knew it the moment I finished it. I had the honor to sing Give Some Back under the stars to an audience of 500 in support of a sustainable living and ecological program in our area. This song is a premiere example of what kids can come up with. Be sure to check out the powerful ending!


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Moral is (Source WordWeb):
1. Concerned with principles of right and wrong or conforming to standards of behaviour and character based on those principle (I guess this is too strong for me!)
2. Psychological rather than physical or tangible in effect (I like this better!)
Redundancy is (Source WordWeb):
1. Repetition of messages to reduce the probability of errors in transmission (Am I too sleepy or is it that this meaning could also stand for nagging?)
2. The attribute of being superfluous and unneeded (I love this)
3. (electronics) a system design that duplicates components to provide alternatives in case one component fails (Ehem!)
4. Repetition of an act needlessly (This is good, there is no need, but there could be a want!)
I guess I can do a mix and match and everything would look cool!
So much for Moral Redundancy!
My blog with any other name? Doesn't sound as weird! :P


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Today we're going to approach the topic of AIM IHT planning from the bottom up, by looking at asset manager literature and newspaper articles.
Last week we looked at Safe AIM stocks from the top down.
We took the AIM 100 – the largest 100 stocks from the junior market – and assessed whether they were desirable and eligible for an AIM portfolio designed to qualify for Business Property Relief (BPR), which makes assets exempt from inheritance task (IHT).
- It was pretty tedious, and we only got a third of the way through the job.
- More importantly, our research revealed that there is no definitive list of which AIM stocks qualify for BPR. There are some guidelines that let you guess at the stocks that could be excluded, but no rules.
Quite a few asset managers / product providers exploit this lack of information to charge through the nose (2% upfront, 2% pa in some cases) for IHT AIM portfolios.
So today we'll turn the tables on them by combing through their literature and puff-piece articles to come up with a list of which stocks they hold and don't hold.
These will then form the core of our AIM IHT portfolio, perhaps double weighted against the additional stocks that we find from our top down approach2
After a bit of digging around, I've managed to find ten sources of information – five magazine articles and five reports from asset managers.
Investors Chronicle (Canaccord Genuity article)
Yes = James Halstead (JHD), Nichols (NICL), Young & Co's Brewery (YNGA), Goals Soccer Centres (GOAL), Majestic Wine (MJW), Telford Homes (TEF)
What Investment (Miton article)
Yes = Youngs, Nichols, Manx Telecom
Motley Fool
Yes = FW Thorpe, James Halstead, Asos, Majestic Wines, Advanced Computer Software, K3 Business Technology
Sadly Advanced Computer Software has since been sold to private equity.
Shares Magazine
Yes = CVS, Gama Aviation, Youngs, RWS, GB, Staffline, Stanley Gibbons, Majestic Wine, Nichols, Alliance Pharma, James Halstead, Smart Metering Systems, Abcam, Walter Greenbank, Fyffes (dual listing but on Irish Emerging Securities market, which is allowed), Robinson (packaging, with "residue" property holdings only)
No = GW Pharmaceuticals (Nasdaq listing), MP Evans (palm oil and joint venture), Falkland Island Holdings (property, oil and gas), Abbey (property investment), Argo (investment company), Camco (associates and joint ventures)
Shares magazine is the only publication to rule out some firms on the basis of their activities or dual listings.
Daily Telegraph
Yes= Character Group, Alternative Networks, Zytronic
Fundamental Asset Management
Yes = ASOS, Nichols, Mulberry, CVS Group, RWS Group, James Halstead, AB Dynamics, Netplay TV, Majestic Wine, Quartix Holdings, Jarvis Securities, Manx Telecom, Abcam, Advanced Medical Solutions, Alternative Networks, Hayward Tyler, James Latham, Red24, Smart Metering Systems
Fundamental also noted that the sectors of Real Estate, Investment Companies and Banks were excluded for IHT planning.
Oil and gas were also omitted because of their speculative nature and common dual listings.
Octopus Asset Management
Yes = CVS Group plc (Healthcare), Renew Holdings plc (Support Services)
Staffline Recruitment Group plc (Support Services), Advanced Medical Solutions Group plc (Healthcare), RWS Holdings plc (Support Services)
Gamma Communications plc (Telecommunication Services), Restore plc (Support Services), Scapa Group plc (Chemicals), GB Group plc (Software & Computer Services) Abcam plc (Pharmaceuticals & Biotech), M&C Saatchi (Marketing Agency), Next Fifteen Communications, Walker Greenbank, Gooch and Housego, Youngs
Amati Asset Management
Yes = Sprue Aegis (smoke alarms), Nichols, EMIS group (health software)
Yes = Tracsis, Sprue Aegis
Yes = RWS, Scapa, Alternative Networks, James Halstead, Gooch and Housego, Nichols, Advanced Medical Solutions
I'm very pleased with today's results.
After wading through all those documents, we have a list of 44 companies that qualify for BPR, and have ruled out six others that don't.
I've listed the firms in order of market cap.
- The average (mean) market cap for the 44 firms is £342M, which is very satisfactory.
- This is skewed by the £3.1 bn market cap of ASOS, and only 15 of the 44 firms have a market cap greater than the mean.
- But the median market cap is £231M, which is fine.
- There are six companies with a market cap of below £50M, which I might be tempted to avoid.
- There are also four firms that are currently loss-making, which again might not be included.
Even in the worst-case scenario, that leaves thirty-four stocks that we could use, putting us almost 70% of the way towards our 50-stock target, and well-past the 20 stock minimum.
It's worth pointing out that these stocks are not cheap, with an average trailing PE of 43 (or 47 if I substitute a value of 100 for those companies that are loss-making).
- The median PE is 27, which is somewhat better.
These high valuations may be because the companies qualify for BPR and are held in a lot of IHT portfolios.
- I might deal with this by double-weighting the cheaper stocks.
Next week I'll run through the 2016 AIM 100 (which the Investor's Chronicle has now released from behind its pay wall) to fill in the gaps.
Until next time.
This article was written by Mike Rawson http://the7circles.uk/safe-aim-stocks-2-bottom-aim-iht-planning/
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19 Years of the Hit TV Show Captured in One Complete Volume
The latest edition of our all-time most popular cookbook features every recipe prepared on public television's top-rated cooking show over the last 19 seasons, including the new season that debuts in January 2019. You'll also get up-to-date equipment and ingredient ratings drawn from the show's equipment testing and taste-testing segments. And you'll see the behind-the-scenes action—how the show comes together, what it takes to be a test cook, and more.
Cook along with the latest season as it airs with these new recipes: Next-Level Chicken Piccata, Beef Short Rib Ragu, Roasted Whole Side of Salmon, One-Hour Pizza, Chinese Pork Dumplings, Crispy Ground Beef Tacos, Roasted Poblano and Black Bean Enchiladas, Falafel, Skillet-Roasted Brussels Sprouts with Lemon and Pecorino Romano, Ultimate Flaky Buttermilk Biscuits, Best Lemon Bars, Brazilian Cheese Bread, Chocolate Cream Pie, and more.
You might also like
Cover Price: $29.95
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What Good Cooks Know
Cover Price: $35.00
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Cooking at Home with Bridget and Julia
Cover Price: $40.00
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Cook's Science: How to Unlock Flavor in 50 of Our Favorite Ingredients
Cover Price: $32.95
Sale Price: $14.99
The Complete Cook's Country TV Show Season 11 Cookbook


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Karmel Covenant Church's mission is to join God in calling all people to become faithful followers of Jesus Christ through worship, fellowship, instruction, prayer, and loving service to others.
At Karmel we are united in a common ministry, yet we do not press everyone into the same mold because we believe God has shaped each of us uniquely. We strive to reach out to our neighbors through special events and ministries that serve community needs. Our ministry also extends to the world through mission teams and ongoing support of full-time missionaries.
We are passionately in love with the Lord and are being transformed day by day as the Holy Spirit does what only God can do. If you are considering a church family, we invite you to explore what Karmel Covenant Church might mean for you as you deepen your life of faith.


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Heidi Klum
Known throughout the modeling world for her sparkling blonde beauty and near-perfect figure, the 5'10" Heidi Klum was more than just a runway mannequin; she was a veritable fashion and modeling empire. Klum had one of the most successful modeling careers of all time and was featured on the covers of Vogue, Elle, Marie Claire, Cosmopolitan, Glamour and the Sports Illustrated swimsuit issue, among many others. In 1997, she became one of the most famous of Victoria Secret's Angels and served as a spokeswoman for the lingerie retailer for 13 years while also hosting several of their fashion shows. A mainstay in the world of fashion, Klum parlayed her status to the screen with a recurring role on "Spin City" (ABC, 1996-2002) and in making her film debut in the indie "Blow Dry" (2001). She went on to serve as host and executive producer of the hit reality series, "Project Runway" (Bravo/Lifetime, 2004- ), where she and her team of judges scrutinized the fashions of competing designers, as well as serve as a judge on "America's Got Talent" (NBC, 2006- ). With her down-to-earth appeal, Klum was the face and name behind designer clothes, fragrances, swimsuits and jewelry, and was an amorous presence in the harsh and often unforgiving world of fashion.