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Hello and welcome! My name is Sandy, I am a professional top rated newborn baby and maternity photographer serving locations in Northern NJ and Morris County New Jersey.
Newborn and Maternity photo shoot are focused on capturing the beauty of your journey. Your growing bump and your brand new baby that will stop this very timeless moment. My photos will take you back to the first time you felt your baby in your tummy, to when you held them close to your chest, and whispered sweet words of promises and hopes for their future. These images as they hang on your walls, will bring you back to how you felt right at this very moment. Their new smell, their tiny features, their touch, their innocence of being a newborn. All the details of their newborn second that quickly passes by.
My aim for every photography session is to produce art quality images that become heirloom art pieces for your home. Images you will be proud to show off, for generations to come. I specialize in newborn photography capturing babies as the main focus in each photograph. As a trained and experienced newborn photographer for the past 10 years, your baby's safety is the utmost importance to me. Your new tiny bundle will be photographed and handled in the most safest way.
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Photographing moms to be and newborn is my passion! I have trained with some of the top maternity and newborn photographers in the world. The highest level of professionalism and care is applied in making you look your best in photos, and posing and handling babies. Due to extensive exposure to infants, I am up to date with all immunizations including the TDAP, and flu vaccine.
Silveira's Touch Photography is a New Jersey Newborn Photographer, New Jersey Maternity Photographer, NJ Baby Photographer and NJ Family Photographer focusing on modern, classic and timeless photography. Based out of Mount Olive NJ and serves location in the surrounding areas of NJ. Including but not limited to Morris County, Sussex County, Essex County, Warren County, Passaic County, Hudson County, Bergen County, Union County, Somerset County, Hunterdon County New Jersey.
Offering family lifestyle photography, in home photo session, outdoor and portrait studio photography. Contact Us for full details, I would love to hear from you!


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In my recent post Old School St. Louis Baseball: Part 2, I wrote about 19th century pitching star Tony Mullane, who is best remembered today for his ability to pitch with both hands.
Well, it turns out there is another switch-pitcher playing professionally right now. His name is Pat Venditte, and he's in the Yankees' system. Here's an AP wire article about him.
Venditte was taken in the 20th round of last year's draft, because he was already 23 in his last year in college at Creighton, where he started as a walk-on. He pitched in Rookie Ball last year and is currently playing in the Class A South Atlantic (Sally) league. These leagues are below the level of a pitcher with his level of college success, and he has completely dominated them. So far in his professional career, he has 37 saves in 49 appearances, with a 0.85 ERA, and 74 K's, 29 hits allowed and 11 BBs in 53.2. The Yankees should have him pitching at Tampa in the A+ Florida State League already.
According to the article, as right-hander Venditte throws the ball over the top and can hit 90 mph with his fastball. As a left-hander, he throws side-arm and gets more break on his pitches. He apparently has great command with both sides. Needless to say, the Yankees have decided to let him pitch from both sides until he proves he isn't good enough to do it.

subset: commoncrawl


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(12pm, Abercrombie Street, Darlington)
Hello, everyone, welcome to Darlington Village!
One of the city's smallest and most historic localities, Darlington is bounded by City Road and Cleveland Street to the north, Abercrombie Street to the east, the old Eveleigh railways yards to the south, and Golden Grove Street to the west.
Blackwattle Creek once ran near its eastern border, and local Aboriginal people fished its waters and lived among the turpentine and ironbark trees which then flourished in its rich soils.
In European times, Governor Phillip set aside the Crown reserve he called Grose Farm and the part of this reserve that is now Darlington was given to the trustees of the Female Orphan School, who leased it to timber-getters.
After 1819, the land was doled out to colonists including William Hutchinson and William Chippendale. This coincided with Sydney's westward spread and brewer Robert Cooper was one granted a large estate along this route.
By the 1830s, Abercrombie Street was formed, stretching originally from Parramatta Road to Cleveland Street. Robert Cooper built a row of houses abutting it, in an effort to stop its use as a roadway, but the road was eventually extended to Golden Grove Street.
The street was possibly named for one of several generations of Abercrombies who were British politicians and military men.
The work done here has made the section of Abercrombie Street between Shepherd and Lawson Streets safer and more inviting. Wider footpaths and traffic-calming measures will make it more pleasant for pedestrians, and there are also garden beds, new lighting and street furniture. And we've moved the overhead power-lines underground. We've also upgraded the stormwater drainage.
We also installed smart poles at the Lawson and Abercrombie Streets intersection and rebuilt the road pavement there. Shepherd Lane has become a shared zone and raised pedestrian thresholds at Ivy Street and Shepherd Lane. There is also new brick paving to replace the old asphalt and concrete surfaces.
As I mentioned, there is new street furniture, including specially designed sandstone seats. One of those seats has a memorial plaque to remember Trevor Davies, who died in 2011, aged 55. I'd like to welcome his family today.
Trevor lived in Redfern and then Darlington from 1979. He was a local character and was active in the Uniting Church, and in Labor politics, and in community groups like RedWatch and he was involved in the South Sydney Herald.
So we were pleased to be able to include this tribute to him as part of the improvements to his much-loved Darlington neighbourhood. It was still as a reminder of the great work that he did.
I'd like to thank everyone who has contributed to these improvements, including:
- Our designers, Group GSA
- Sydney Civil, who were responsible for construction and
- Our City staff, especially project manager Anton Leddin and design manager, Jacqueline Ong
And once again, welcome to Darlington Village - and welcome to the family of Trevor Davies.
Trevor, as a great community activist, and a committed democrat, would be appalled by the State Government's latest efforts to take control of the City of Sydney through amalgamation with Woollahra, Waverley, Randwick and Botany - none of whom want the amalgamation either.
It would give the City a population the size of Tasmania, and would diminish the voices of our local communities partly because of the sheer size of the new LGA, and also because the government plans on giving every business -whether the owner lives in Sydney or in Shanghai - two votes to your one.
They're calling this "Fit for the Future" but you have to ask yourself what sort of future will it mean for you and your families. Will a state-controlled City of Sydney provide the parks and child-care and strong local villages that we have been developing since 2004?
Will you get cheaper or more efficient services? Will you get carefully planned, well-designed developments that also bring benefits to the local community? Or will you get the sort of ad hoc, overblown, look after the big end of town development that's now taking place at Barangaroo?
If you know the answers to those questions, make your voices heard and help put a stop to it.


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Soundtrack review: Beyond: two souls (Lorne Balfe – 2016)
"Beyond: Two Souls" is an interactive drama action-adventure video game for the PlayStation 3 home video game console, created by French game developer Quantic Dream and published by Sony Computer Entertainment. It was released in October of 2013. The game features Jodie Holmes, one of two player characters. The other is an incorporeal entity named Aiden: a separate soul linked to Jodie since birth. Jodie, who is portrayed by actress Ellen Page, possesses supernatural powers through her psychic link to Aiden, growing from adolescence to adulthood while learning to control Aiden and the powers they share. Willem Dafoe co-stars as Nathan Dawkins, a researcher in the Department of Paranormal Activity and Jodie's surrogate-father-figure. The actors in the game worked during the year-long project in Quantic Dream's Paris studio to perform on-set voice acting and motion capture acting. The score was composed by Lorne Balfe.
I know it's Lorne and I shouldn't be surprised anymore but even by his standards a theme like "Jodie's suite" is exceptional. In the past couple of years there have been some unbelievably beautiful game scores and all of them featured at least one stunning female vocal theme that left me with goose bumps. This epic opening is no different and from the epic and spectacular instrumental delight which makes me think of Klaus Badelt's "The promise" with almost Asian influences to the angelic voice vocalizing in the background, I could stop this score right after this first cue and consider it a winner. Consider me already on the same side as our heroine.
The theme for her father figure is dominated by a haunting string section that just breaks my heart and makes me care for the character. What makes the feeling even more poignant is the idea that I won't just be a spectator in this; I could get involved and help these characters because this is a game and I am controlling them. Careful Lorne, you might make me care too much.
The game mood really settles in when I hear "Beyond". A gorgeous atmospheric soundscape, deep and addictive adds a new layer between me and the real world. This cue couldn't' have a more appropriate title. I recognize the atmosphere that worked so well in his "Terminator Genisys" score from last year. "Aiden's theme" is yet another stunner to add to Lorne's huge list of memorable themes. Aiden is an incorporeal entity, a soul with supernatural powers and I go from intrigued through hypnotized to frightened when I hear his theme.
As the score progresses joy fills me up as I realized I am listening to an even better sequel to one of my favorite scores of 2015. What worked so well in "Terminator" goes beyond and I can't wait to play this game and experience the music in context. The cues touch me, move me, affect me and I hide myself in this thick and dark musical forest not caring about the danger, looking for that angelic voice and embracing every moment of my experience.
With dark action pieces, eerie music box cues like "My imaginary friend", deep emotional moments and standing on pillars made of perfect themes for each character, "Beyond: two souls" is the kind of score I will never forget. If this one will leave my top 10 of 2016 it means we will have an incredible year for film and game music. Lorne Balfe has crafted his own special edgy sound for emotional darkness and I am addicted to it.
Cue rating: 100 / 100
Total minutes of excellence: 44 / 44
Album excellence: 100 / 100
01 Jodie's Suite
02 Dawkin's Suite
03 Beyond
04 Aiden's Theme
05 The Experiment
06 My Imaginary Friend
07 Childhood Memories
08 Homeless Life
09 The Party Revenge
10 Hunted
11 Treason
12 Norah
13 Lost Cause
14 Black Sun
15 Jodie's Story
16 The Infraworld


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Polisport Guppy Mini Front Mounted Child Seat
SAVE: 36% or £17.99
Now £32.00
Polisport Guppy Mini Front Mounted Child Seat
By winning an iF Design Award, Guppy baby seats proved how well designed they were from day one. Its innovative design, its comfort and special features made it an instant hit. However Polisport found ways to improve it. Both Mini and Maxi models now feature new safety belts that are softer to the touch and come with new and soft padding that is easier to adjust. Fits to head tube of bike, suitable for tubes from 22 to 40mm.
- Type of the Baby Seat: Front frame mounted (head tube)
- Child weight: from 9 to 15 kg
- Front mounting for round and oval head tubes Ø22-40mm
- 5-point safety harness with paddings
- Adjustable safety harness
- Extra security belt
- Foot protection and retention
- Resistant to the UV
- Adjustable footrests in 4 positions
- Washable cushion
- Increased side protection
- IF design product award
- Conforms to EN 14344 standard
- Seat weight: 2,29 kg / 5,05 lb
All goods are in stock and delivered within 2 working days of cleared payment. Smaller items are sent by Royal mail 1st Class and do not require a signature, larger items are delivered Monday to Friday between 9am and 6pm by our couriers, a signature is required upon receipt of goods.
When your order is despatched our system will automatically send you an email. We only use premium next day delivery services, so you can expect your order the following day.


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Today UNN is one of the top Russian classical universities, and one of the largest educational, scientific and cultural centres of Russia. In 2009 Lobachevsky State University of Nizhny Novgorod was awarded a prestigious category «National Research University» by the Government of the Russian Federation. Holding the leading positions among Russian universities, it is a worldwide recognised institute of higher education: it is a member of the European University Association (EUA), UNN is represented in the Deans European Academic Network(DEAN) and has direct contractual relations with more than twenty foreign educational and research centres.
The UNN has been implementing a great number of international projects, funded by the European Commission, IREX (the International Research & Exchanges Board), National Fund for Staff Training and other widely known organisations. The University also closely cooperates with the institutes of the Russian Academy of Sciences and the largest transnational high-tech companies (Microsoft, Intel etc.).
UNN has a high-tech science base that perfectly fits your chosen profession. The high-tech base includes Lobachevsky supercomputer, 12 world-class research labs, a biomedical cluster & Media Centre. UNN takes part in the major government's science programmes and cooperates with the Russian Academy of Sciences. Our graduates are widely sought after by employers. So welcome!
Download Application Form
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Undergraduate Admissions (Bachelor, Specialist)
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Admissions Procedure, Required Documents, Online Application Form, Entrance Requirements, Deadlines
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Description of the opportunities to study a semester at UNN
You should not wait until the day of the deadline to submit your application!
Answers to the most frequently asked questions on admissions
Costs & Scholarships
Tuition Fees for Academic Year 2016-2017, Scholarships, Payment Terms
Halls of Residence/Dormitories, Facilities
Invitation & Visa
Delivering of Your Student Invitation. Applying for Your Student Visa
Hear from Our Students


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Are you a fan of dark chocolate? If yes, then you must have heard about the many health benefits that accompany it. However, you still might be in the dark about the negative side effects of dark chocolates. To expose you to the truth, here are 5 demerits of consuming dark chocolate:
1 – It contributes to weight gain
It's no secret that while dark chocolate is a haven of antioxidants and healthy fatty acids, it also packed with calories. The more the calories you consume, the closer you come to more and more weight gain. To gain the health benefits provided by dark chocolate, you don't need to eat too much of it. A bar or two can suffice. However, spending your entire day munching on dark chocolate obviously is not a good idea.
2 – It shoos away sleep
Who wants to be sleep-deprived? No one. And who wants more dark chocolate? Everyone. Unfortunately, both of these don't go hand in hand. That is because dark chocolate contains caffeine, about 135 mg of it per ounce. This caffeine can mess with your sleep quality. Of course, the results would be like when you take lots of coffee and regret it because excess caffeine content is a no-no for your health.
3 – It can give you a migraine
Is it not ironic that we crave chocolate the most when we are feeling stressed out, but dark chocolate can only worsen your condition in a way by giving you a severe headache? Before you go and get worried, wait. Some people think that this is not true as dark chocolate intake has not interfered with their health and triggered migraines. However, you may want to reduce your dark chocolate intake by a bit if you want to keep migraine attacks at bay.
4 – It can be housing toxins
This is a bad one – dark chocolate contains mycotoxins which are mold-produced toxins. However, nothing to fret over here either. That's because the level of mycotoxins present in dark chocolate is typically too low to be unsafe. Most people do not experience any negative side effects. However, those who are sensitive might struggle with some adverse impacts. If you belong to the latter scenario, reduce your dark chocolate intake.
5 – It can up your risks of kidney stones
Clearly this snack is not all about health benefits. It does come along with a handful of downsides too. Dark chocolate contains oxalates. This, in turn, can raise urinary oxalate excretion which can up your risks of developing kidney stones. Those who have dealt with this issue in the past or already are at the risk of kidney stone formation, must lower their intake of dark chocolate and other foods that are abundant sources of oxalates.
For most people dark chocolate is safe and healthy. However, dark chocolate side effects do exist. Dark chocolate should be consumed in moderation, particularly by those people who are prone to getting migraines.
If you don't want to put on weight, you should avoid consuming more dark chocolate than recommended. If you are already at the risk of developing kidney stones, limit dark chocolate intake. Moreover, also eat dark chocolate in less quantities if you don't want to ruin your sleep or are sensitive to mycotoxins.


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Fun Video Contest for French classes
Fun Video Contest for French classes
The Cultural Service of the Consulate General of France in Boston is organizing a free video contest on the topic: "Flash-info francophone en humour".
Pretend your class is a crazy TV team working for a French news broadcast (such as the famous "Journal de 20 heures"). A certain strange, silly, or outlandish event just took place. What would your team's news video look like?
Get inspired! Encourage your students to use their creativity and electronic devices, and send us a video of 90-120 seconds by March 1st, 2013. Exciting French-related prizes will be awarded! No photomontage is required.
For more details, click here. To participate, fill in the entry form/bulletin de participation by January 21st, 2013.


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Quote of the Day - Television enables you to be entertained in your home by people you wouldn't have in your home.
- David Frost
Another Radio Lawyer's Perspective on the Jackson VerdictOur own intrepid Craig Lindberg (yes, there are two Craigs in this firm) was interviewed yesterday on a Palm Springs-area radio station, KMRJ m99.5 FM, about the verdict in the Michael Jackson case.
Check out the podcast below for the Other Craig's interview.
P.S. Post updated to identify radio station in response to first comment below.


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Al-Qaeda in Iraq claims deadly attack on Syrian troops
A militant umbrella group that includes al-Qaeda in Iraq has said it was behind the killing of 48 Syrian soldiers and nine Iraqi guards in Iraq last week.
In an online statement, the Islamic State of Iraq said its fighters had set ambushes on roads to the border and "annihilated" an entire convoy.
The presence of Syrian troops showed Iraqi leaders' "firm co-operation" with President Bashar al-Assad, it added.
Meanwhile, the UN has announced it has evidence of further massacres in Syria.
In a new report for the Human Rights Council, the Independent International Commission of Inquiry (CoI) on Syria accused both government and opposition forces of showing a reckless disregard for the lives of civilians across the country.
Investigators found evidence of three massacres in the central city of Homs between December and March. In one, 50 prisoners were executed by government forces, while in the other two entire families were killed in their homes, though it remains unclear by whom.
The report says that fighting has spread right across Syria and that nowhere is safe for civilians. Basic human rights like access to food, medicine and education have all but disappeared, it adds.
It calls for those responsible for war crimes to be brought to justice, but only the UN Security Council can refer a country to the International Criminal Court (ICC) if it is not party to the Rome Statute, and the Security Council remains divided, the BBC's Imogen Foulkes in Geneva says.
'Safavid army'
The Syrian soldiers who were killed in Iraq last week reportedly entered through the Yaarubiyeh border in the northern Nineveh province over the weekend of 2-3 March after Syrian rebels attacked them.
On 4 March, the soldiers were being escorted to the al-Waleed border crossing further south in Anbar province when they were ambushed near the town of Akashat, Iraqi officials said.
A statement posted on jihadist websites by the Islamic State of Iraq on Monday claimed that its military detachments had "succeeded in annihilating an entire column of the Safavid army", a reference to the Shia dynasty which ruled Iran between the 16th and 18th centuries.
President Assad's Alawite sect is a heterodox offshoot of Shia Islam.
The assailants detonated explosive charges on military escort vehicles assigned to protect the lorries carrying the Syrian soldiers, then opened fire with "light and medium-range weapons, as well as rocket-propelled grenades", the statement added.
The Sunni Islamist group also said the presence of Syrian forces showed the "firm co-operation" of Iraq's Shia-led government with Syria's president.
Syria's majority Sunni community has been at the forefront of the uprising against the state, which the UN says has left 70,000 people dead.
Iraqi Prime Minister Nouri Maliki has said he is taking no sides and blamed last week's attack on Syrian armed groups which had infiltrated his country.
He has previously expressed concern that the two-year-long conflict in Syria could spill over the 600km (372-mile) shared border.


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Self-Discovery the Jungian way: The Watchword Technique was first published by Routledge in 1992.
The first edition has been out of print for many years. Second-hand copies can sometimes be found from online booksellers.
The book was subsequently updated and revised in ebook (PDF) editions. The most up-to-date version is the 3rd revised edition (2014).
In 2015, Routledge reissued the latest revision in hardback, paperback and Kindle editions as Volume 4 of their prestigious Routledge Library Editions: Jung series.
|Buy the Latest 3rd Revised Edition
Paperback, Hardback & Kindle
Transpersonal Psychology concerns the study of those states and processes in which people experience a deeper sense of who they are, or a greater sense of connectedness to nature, or the spiritual dimension. Michael Daniels PhD taught the subject as part of a University psychology curriculum, and this book brings together the fruits of his studies. It will be of special value to students, and its accessible style will appeal also to all who are interested in the spiritual dimension of human experience.
Buy Shadow, Self, Spirit from amazon.com
Buy Shadow, Self, Spirit from amazon.co.uk


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Order Online or by Phone:
Code: 12218
Vintage 1970s mens brocade tuxedo jacket! Funky and sophisticated light purplish gray swirly paisley and floral pattern with a muted purple base. Black trim along the lapels and the pockets. Top portion of the collar is black velvet! Extra wide split lapels. Closes with off white pearlescent buttons outlined in black with one matching button on each cuff. Center back vented to let your booty pop! Fully lined in white acetate. Tagged by Palm Beach Formal Wear. No material tag but feels like polyester.
Condition: Very Good.
Chest: 36"
Sleeves: 30" collar to cuff / 24" shoulder seam to cuff
Shoulders: 17"
Length: 32"


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Want to stop nail bitting for girls & boys naturally?
Then head to www.chewbeads.com!
Nail bitting can cause many issues, infections to nail beds, illness, and is a habit that most parents want to put an end to!
There are many products on the market, & polishes which taste horrible! Why have your child ingest chemicals or have their fingers wrapped and feel embarrassed right?
Chewbeads are BPA, Phthalates, Lead, Metal & Cadmium FREE, & are dishwasher safe! ~LOVE this!
This fab company features necklaces and bracelets for girls & boys, as well as for moms, & teething rings for babies.
My Goddaughter who is seven, has been biting her nails for a while, and her mother was besides herself! I had students years ago who had the same issue, and therapeutic rings to chew helped, then I had the idea to give her a Chewbeads necklace!
The plan was to have her wear the necklace and when she felt like bitting her nails, she was to chew on the beads. I promised her that we would get fun nail art if she didn't bite her nails. In just a few weeks her nails have grown & her nail bitting is a thing of the past!
As a reward, we are heading to my fave, Valley Nails in NYC for a fun leopard manicure!
Some other great ideas are to take pictures before and after, choose a unique reward, or have a small celebration!
Take it from a Mom Who is so proud of her Goddaughter's success thanks to Chewbeads, & it is worth a try!


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The Truth About Bank Owned Homes and Foreclosures in Central New York and Syracuse NY
Due to the low inventory in this area and the rise of "bank owned" homes, many buyers like yourself may come across these types of homes. They can be a good investment if you fully understand the process and have the time, money and patience.
Listen below to this episode on my weekly podcast
"Bank owned" type homes still only make up about 7 to 8% of the total real estate market in Central New York. Many of these homes are reserved for "investors."
**It is imperative that you read and understand this before placing an offer on any pre-foreclosure, short sale, or bank owned home**
- What is a Pre-Foreclosure? A pre-foreclosure is a property in the process of foreclosure but is still legally owned by the owner.
- What is a Short Sale? A short sale is when an owner is selling a home less than the mortgage owed on the home. Lenders may agree to take a short on the mortgage to release it for sale. This is a process before the property is actually foreclosed.
- What is a Pre-Foreclosure Auction? A pre-foreclosure auction is set when the owner fails to satisfy their loan terms with the lender. Most pre-foreclosure auction are handled at the courthouse in the County where the foreclosure occurred. Most homes at pre-foreclosure auctions are taken back by the bank and sold at a later time as a bank owned home (REO)
- What is a Bank Owned Home? A bank-owned or real estate owned (REO) property is one that has reverted to the mortgage lender after the home fails to sell in a foreclosure auction. Once the bank owns the property, it will handle eviction, if necessary, pay off tax liens and may do some repairs.
- What is a HUD Home? A HUD home is when a government-insured loan (FHA) gets foreclosed and the Federal Housing and Urban Development pays the defaulted loan off, and then puts the home on the market.
- What is a VA foreclosure? The Veterans Affairs helps veterans buy homes by guaranteeing loans to the lenders. When a veteran defaults on a VA-guaranteed home loan, the VA buys the property from the lender and offers them for sale
Common Questions
- Are Bank Owned Homes Sold AS-IS? Yes, all bank owned homes are sold "AS-IS" which means that the seller will not do any repairs to the property.
- Can I still perform an inspection and "walk away" if the house needs too much work? In most cases, the contract can not be contingent on a home inspection, and you can not walk away. There are some circumstances, where the bank will allow you to complete an inspection and "walk away" if needed. Be prepared to do an inspection and perform your own "due diligence" in advance before you make the offer.
- Will the bank turn the water and power on for the inspection? Maybe, but in most cases it will be your responsibility and cost to "De winterize" a property and "Winterize" again before the closing. In most cases, the bank is not responsible to have the power and water on. **Please understand this*
- Will the bank accept an offer if I have a home to sell first? No, all offers must be "non contingent" regarding your home sale.
- Will the bank pay for the buyers closing costs? Most banks will not pay the buyer's closing costs. However, there are some special programs through "HomePath" and other Fannie Mae foreclosures. Also, you may be able to add the closing costs to your mortgage and increase the offer price. Consult with us regarding this.
- Do all lenders and mortgage companies offer financing for bank owned homes? Depending on the condition of the property, the lender may or may not offer financing. There are special programs for renovation type loans and some banks will provide their own financing. Consult with your lender regarding this.
- Does the bank provide a marketable title and survey to the property? In most cases they would not provide a title and or survey only a warranty deed. This additional cost could be between $1,000 and $1,500 or more. Please consult with your attorney.
- How are offers made for bank owned homes? We would make the offer for you and send you an necessary paperwork to sign. Most offers require a lot of paperwork and made online and through electronic signature in some cases.
- Are there deadlines to submitting an offer? Yes, many times there will be an offer or bid and paperwork deadlines. We will let you know of these deadlines.
- Can we adjust or change our offer once it is submitted to the bank? Most times the offer will be "highest and best" especially, when there are multiple offers or an auction style bid. We would consult with you regarding this.
- How long does it take the bank to decide on the offers? It can take days or weeks. Please be patient!!!!
- Do I have to show a bank pre approval or proof of funds with an offer? Yes, no exceptions.
- Will the property taxes reduce once we purchase the property? Probably not, as the property taxes are based on many factors, and the assessor may not adjust to the lower purchase price. Be prepared!!!
- How long does it take to close on a bank owned home? It depends, but the typical time once the contracts are accepted by all parties is about 60 days.
- What are some of the websites to find bank owned homes? There are many websites. Here are the most popular: homestore.com, auction.com, Xome.com, Homepath.com, Hubzu.com
- Once the offer is made can I continue to look at other homes and make an offer on another home? Yes, you are not obligated to purchase the home, until the bank agrees to accept your offer and you can cancel the offer at any time.
For More Information - Call Bob McTague at 315-882-6610


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You may have heard about soft skills, but you may not know who in your office needs to use them and why. We'll explain it all.
Bob Graham '0:00': You may have heard about soft skills, but you may not know who in your office needs to use them and why. We will enlighten you in just a few seconds.
Graham '0:22': Welcome to Episode 2 of Serious Soft Skills. I am Bob Graham, and with me is Dr. Tobin Porterfield. We each teach college, we collaborate on researching soft skills, and we both have used and seen others use soft skills in various jobs over our careers. We think our experience and expertise give us a unique lens for looking at soft skills. So let's get to it.
We explained what soft skills were and were not in Episode 1. But before we get to our topic today, let's answer a few emails we received.
Dr. Tobin Porterfield '1:06': It's always good to hear from our listeners.
Aren't Soft Skills Just Being Nice To People?
Graham '1:09': Tim asked, aren't soft skills just being friendly and nice to the people you work with? Toby?
Porterfield '1:13': Wow. That's dangerous. While we certainly want to be engaging with people and interested in the people we work with, that's an oversimplification. That casual smile and looking like you are paying attention are not what we are looking for. When we are talking about soft skills, we are talking about intentionality here. It's not just being nice, it's not just being there, but that's important. It's the intentionality of engaging in such a way that it enables us to apply our technical skills, our hard skills, in a new way.
Graham '2:19': You aren't saying we shouldn't be nice. You're just saying that soft skills are more than just being nice.
Porterfield '2:23': That just isn't going to get us where we need to go at work.
Why Did It Take So Long to Recognize Soft Skills?
Graham '2:27': We also have a great question from Kaitlyn. If researchers working with the Army first coined the phrase soft skills in the early 1970s, why did it take so long for people to really start talking about them?
Porterfield '2:49': The work for the Army in the early 70s is where they coined that term "soft skills." I wish I had coined that term myself. It would have been a great thing. They were pretty forward-looking on soft skills. They really were able to grab hold of that. I don't think we are arguing that soft skills didn't exist way before the 1970s. People have been working in teams, using listening skills, perseverance. We have a country made of pioneers who persevered and captains of industry who built the economy that we live in today. It comes back to intentionality in what we have seen as we have progressed from the 1970s, the 1980s to today is, as we talked about in Episode 1, the economy has changed, the workplace has changed and there is a need now to approach work in a new way. We have emphasized those hard skills, we have a lot of disciplinary knowledge in so many fields, but those soft skills are what are coming into play today that are making us say, what do we need today to be competitive, innovative. We've got the hard skills and soft skills, but how do we mobilize them? That's where soft skills really are coming into the discussion today.
Graham '4:26': I want to thank Tim and Katlyn for their great questions. Keep those questions coming. You can email them to firstname.lastname@example.com or tweet them to us at @realsoftskills. We will answer more questions in future episodes.
Which Employees Use Soft Skills?
Graham '5:19': Now, Toby, let's talk about which employees have to use soft skills. Is it the leaders, the new employees or only people who have to interact with a firm's "customers"? I have heard all three of these.
Porterfield '5:46': We both have heard all three of those and that is because all three are true. We use the term that we take a lens. We look in our camera and get a slice of it. Historically, we have seen a lot of that come to fruition when we looked at leadership. We saw these people who were moved into leadership, promoted into leadership and they weren't able to rally the team and take it where it needed to go. Oh, that leader, they didn't have the soft skills they need to be successful. And we get fixed in on that. Then we look out at the new hires and they come out of college with all these disciplinary skills and they know how to use the technology. And we are seeing in the job descriptions that oh, by the way, you need communication skills. You need self-discipline, self-motivation. Depending on which lens we flip to, we see those soft skills. I hate that pat answer where we say, "Everybody needs soft skills."
The Story of Doug, Whose Soft Skills Were Lacking
'7:02': But let me share one more story that will frame this up a bit better. We have a shared connection, Bob, and I met with him for coffee recently. We were talking about these soft skills issues. He's quite a leader. He has established a marketing and Internet company. And he had an industry career before that. Like us, he had that industry experience, then moved on to other opportunities. He shared from his technical background back in industry. He had this guy, we'll call him Doug, and he was an incredible database administrator. He was just a genius with it. We could put anything we need in front of him and he would take care of the databases for their clients. Certainly Doug was an outstanding resource for them to have. But then as time went on, clients started to say they wanted to meet Doug. We want Doug to come to the meetings. And they started bringing Doug along, and pretty soon they found that he didn't want to communicate what would be challenging, what would be easy. Doug clearly lacked those soft skills and even cost them some relationships. That is where we see that fallback. Oh, this person has the technical expertise. In most situations these days, we are seeing that those technical skills are not enough. Just being that technical expert and being locked in your office or your cubicle, and never having to interact is not feasible in a competitive environment. You can't have a resource that needs to be locked away to protect them from anyone they might encounter.
Graham '9:01': You scare me when you tell me about Doug because you make me think there is no hope for Doug. The reality is we can all build our soft skills. If we want to be better at teamwork, then we have to put ourselves in positions where we have to work on teamwork. If we want to work on problem-solving, which is another soft skills, we need to work on solving problems. We can't easily be in the work world and not be adapting to change. We all have the ability to improve on these things. It's not like guys like Doug that you described are consigned to working in the basement of the building and never interacting with people.
Porterfield '9:54': I would say that's not going to be our most effective organization if we are going to have that type of situation. We probably need to devote a couple of episodes just to how to develop soft skills because it's different than developing technical skills.
Soft skills can be developed, they can be strengthened, but it takes some different approaches.
Graham '10:22': Probably the first thing is awareness, knowing, so someone like Doug realizing that he cost the company some business and someone having a hard discussion with Doug about the situation. He has to take stock and may say, "I had no idea." We aren't always aware of our weaknesses. It's not like technical skills. If I can't write a press release for a client of mine, I am in trouble. If I can't teach the course I am teaching to my students, then I am in trouble. I get feedback almost immediately and I can make corrections right away.
But with soft skills, it's a little more fuzzy and a little more in the background.
Porterfield '11:18': Soft skills are hiding beneath the current sometimes. But for talent professionals, they really need to get an eye for those soft skills. They need to be able to detect and have an awareness for soft skills, which ones they need at the time and where the weaknesses are.
Seeing Soft Skills Everywhere
Graham '11:39': Maybe it's time for you to bring up the idea I idea you mentioned a few weeks ago: the eye of the hunter and how that might apply for people. I have found this idea to be a really valuable part of this discovery.
Porterfield '11:55': We had that discussion because as we started into this process, we were looking at teamwork, we were looking at different aspects of the work situation, and soft skills started coming in to our discussions. We started to unwrap them ourselves and to demystify them. We found out that there are specific things that are soft skills, and as we started learning them and unwrapping them and started looking at what are the Individual soft skills and what do they look like, and other ways of looking at them, we ran across the idea of the eye of the hunter. I know with my father-in-law, he lives out in the country and when we are driving down the road, he will be looking around and he'll ask if I saw that pheasant over there or that deer over there. I'm thinking, I'm looking around and you're driving. I didn't see any of this. That's where the eye of the hunter comes from. Once you know what you are looking for and I have heard it described as when you look down a hedge row and you see that item. That's not found in nature. It's a rabbit. You have to know what to look for and you see it. That's what we're experiencing with soft skills. We've become sensitized to soft skills. We're seeing them all the time. Unfortunately, we are seeing or not seeing them in ourselves. I realize that I wasn't listening really well, was I? Or we see it in other people who have this idea or something they are trying to endorse, and they didn't have the communication skills ready to put that out there. That's what we want to help people with. We really want them to become sensitized to soft skills, but in an informed way. We actively identify them and then actively work to correct them or improve them in the situation.
We want that eye of the hunter for soft skills in everyone. We want them to be attuned to the soft skills.
How Soft Skills Can Change Us
Graham '14:09': It's interesting and fun to have this new set of skills that you can bring to the table and be more strategic and more conscious of them. I don't want anyone to be listening to this and saying this too much work. I can't deal with all this soft skills stuff. The me with awareness of soft skills is a much better me. I see things differently now. I find times that I might act differently now than I would have in the past and to good effect for me and the people around me.
Porterfield '14:57': I guess what I am seeing is what we have started to promote and what we have started to promote. As a researcher and an educator in my current role, having sensitive to my soft skills and where I am weak, it's really helped me apply my technical skills in new ways, in my research, in my engagement with students. It's exciting.
Graham '15:29': That's probably a good place to stop things. The idea that it's exciting allows us to continue on with this podcast week after week. Next week, I am going to make the case — be ready for it Toby — that this one soft skill is the most important, one that enables so many other soft skills to appear. If you think you know what it is that I am going to bring to the table next week, why don't you send us your guess. You can email us at firstname.lastname@example.com or send it on Twitter at @realsoftskills. We hope you will join us next time. Until then, thanks for listening, good day and good soft skills.


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The Main Street Vancouver area is the perfect place to enjoy sports of all kinds, from watching professionals battle it out on the field to enjoying a fun family competition or practicing to reach perfection. No matter the sport or experience level, Main Street Vancouver offers up something for everyone.
As one of the greenest areas in British Columbia, Main St. Vancouver is home to a plethora of community parks that are perfect for outdoor sports like field hockey, football, soccer, and more. Many have fields and courts specifically designed for various sports, while others simply offer up green spaces that can be used for a variety of sports. 'Andy Livingstone Park' in the Chinatown neighbourhood is a fantastic place for these types of sports, offering up a double, artificial turf, lighted field that is quite popular amongst residents who enjoy soccer and field hockey. In the Strathcona neighbourhood, 'Strathcona Park' is the perfect place for an outdoor game of basketball, offering up a court in addition to a skate park and a climbing wall.
Every neighbourhood in the Main Street Vancouver area boasts an excellent community or recreation center that caters to sports players of many kinds. 'Hillcrest Centre' in Mount Pleasant and the 'Sunset Community Recreation Centre' in Sunset both offer ice rinks that are perfect for individuals who love hockey, ice skating and figure skating. Many of these recreation centres also offer planned sports and activities that are affordable and easy to join. For instance, the 'Creekside Community Recreation Centre' plays host to a variety of scheduled games, including badminton and basketball. Players can register for games or simply drop in and play if space is available. Some offer lessons for those who would like to perfect their abilities with certain sports or recreational activities.
Clubs exist throughout the Main Street Vancouver area for a variety of sports and activities, making it easy for those who are interested to get involved. The 'Pacific Indoor Lawn Bowling Club' and the 'Vancouver Lawn Bowling Club' are great examples; the latter practices and plays at Queen Elizabeth Park and welcomes drop-ins who are interested in playing a round or two. 'Tennis BC' offers yearly memberships which permit players to join in competitions and play for trophies and awards. The 'Queen Elizabeth Tennis Club' welcomes new members and practices and plays at the Queen Elizabeth Park tennis courts, which are also open to the public.
Sports programs of all kinds are offered through most of the middle and high schools throughout Vancouver, making it easy for children to get involved in the sports they love most. The Main Street Vancouver area makes it very easy to get out and enjoy the sports and activities individuals love, from super exciting hockey games to fast-paced tennis matches. The huge variety of community parks, recreation centres and organizations available throughout the area are a large benefit to residents and visitors.


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Developer launches sales of Akoya Play, a collection of three-bed villas with prices at AED1m
Damac Properties has unveiled Akoya Play, a collection of 3-bedroom villas in an international golf community set around a one-of-a-kind water park in Dubai.
Located at Akoya Oxygen master development, Akoya Play went on sale in Dubai on Wednesday, the developer said.
The new homes are priced at AED1,050,000 with a payment plan spanning three and a half years, Damac added in a statement.
Niall McLoughlin, senior vice president, Damac Properties, said: "Sitting on a quiet enclave within the Akoya Oxygen community, Akoya Play offers a harmonious and enriching community living experience that sets the bar higher for Dubai's vibrant luxury living landscape."
Akoya Oxygen is a 55 million sq ft master development that will showcase one of the greenest living spaces in Dubai and is home to the 18-hole championship golf course by Tiger Woods Design.
The new launch comes just days after Damac Properties unveiled MOD, a collection of townhouses in the heart of Akoya Oxygen.
The developer said that the MOD townhouses, which went on sale last week, are priced at AED595,000 with payment over three years.For all the latest real estate news from the UAE and Gulf countries, follow us on Twitter and Linkedin, like us on Facebook and subscribe to our YouTube page, which is updated daily.


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Computer KOs Gloria Estefan live show
Machine intelligence?
Gloria Estefan last night cancelled her live show in Dallas after a computer crash "affected the production and its special effects".
According to Gloria's lovely site: "Engineers guarantee that the system will be repaired by tomorrow allowing the tour to continue on schedule in Phoenix, Arizona on Thursday, August 12th."
That's what they think. What we think is that Ms Estefan's IT infrastructure may have become self-aware. If it has, then it will certainly have a preference for Rush, rather than MOR Latino pop and is likely to remain defiantly non-functioning until a group of Canadian Rock Gods takes to the stage.
Madonna, Britney, Kylie, et al, are advised to take note. Judgement Day may be upon you. ®
Related stories
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Sponsored: Beyond the Data Frontier


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The Dawn of a New Era
This past weekend, a new, glorious era began in my household. On Friday night, armed with some newfound nerve and a 10% off coupon, I drove to my local Best Buy with one goal in mind: purchasing an HDTV. My months of number crunching and watching prices drop would finally pay off. From this weekend forward, I would watch my basketball (and all other sports, for that matter) in all its high definition glory. It was a step not to be taken lightly.
Indeed, while I ultimately succeeded in my purchase of the television on Friday evening, during my drive to my favorite electronics retail outlet I was unsure of what would transpire. Would I, in the face of making a large appliance purchase, back down and make a more prudent choice like, say, socking money away so that I could someday purchase a house? Apprehension filled my mind as I pulled into the parking lot and prepared to enter the store and make perhaps the seminal purchase of my life to this point. As I approached the doors of Best Buy, I was about to embark on an internal debate of epic proportions. There was still time to turn back, and my mind knew it.
That epic debate, however, never happened. It was preempted by forces of the world that I cannot explain. As I walked up to the door of that Best Buy, you see, a player for the Wisconsin Badgers, my favorite college basketball team, walked out the door. This had to be fate. Here I am, a frightened consumer, unsure of whether I should spend my hard-earned money on a device which I would be purchasing primarily to enhance my college basketball watching experience four months from now. At the same time, a potential starter for my favorite school, which is located just over an hour away in Madison, walks out the door of the Milwaukee-area store that I am at, unknowingly reminding me why I want to make the purchase. It was as if some higher power was looking down on me and saying "Just buy the damn TV—you'll see this guy on it in November." And who am I to argue with this logic? I bought the TV.
To my surprise, I was able to arrange delivery just two days later. Admittedly, the true power of my new purchase will not truly be felt until November (though until then, football will provide an adequate diversion). However, as I learned this weekend, you don't mess with fate. And fate was telling me that the purchase needed to be made right away. If there was any lingering doubt, even after the Best Buy entry moment, it was dispelled on Sunday night. After spending hours during the day unable to correctly connect my new cable box to the television, I went to bed frustrated. During the night, I had a dream in which I connected the television perfectly. Upon awakening, I went to the television and did as I had in the dream. The connections that I had dreamt worked, proving again to me that some outside force wants me to enjoy this purchase. Either that, or my subconscious is really good with AV equipment.
And so, while we're still just over 4 months away from real basketball, I'm prepared. Come November, I'm ready for basketball as it was meant to be watched: in high definition, while drinking a beer from a beer dispensing soda machine. I see very few ways in which life could get any sweeter.


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Minsk has already become a traditional place of creative contacts for young talented architects from many countries of the world. "Leonardo" gives all participants the opportunity for friendly professional communication, information exchange, networking, and summing up.
Minsk International Biennale of Young Architects "LEONARDO" is held within the framework of the National Festival of Architecture. Today, "Leonardo" pours out into the architectural movement and becomes an integral part of the professional architectural community. The Biennale has become very popular not only in the CIS, but also in Central and Eastern Europe. More than 300 works from 28 countries of Europe and Asia participate in the competitions: Belarus, Russia, Ukraine, Kyrgyzstan, Azerbaijan, Kazakhstan, Moldova, Uzbekistan, Armenia, Tajikistan, Georgia, Latvia, Lithuania, Poland, Macedonia, Hungary, Slovakia, Finland, Austria , Slovenia, Germany, Holland, Czech Republic, Israel, Turkey, Serbia, Spain, Greece, China, etc.
The Biennale was first organized in 2005. In 2009, the Biennale was held for the first time under the auspices of the International Union of Architects and included countries I and II of the ISA Regions.
Goals and objectives of the Biennale:
Familiarization of the general public of the Republic of Belarus and other countries with the works of young architects of national creative architectural unions (sections), members of the International Union of Architects (ISA);
Increase their professional level for occupying design and research activities in the field of architecture, urban planning and architectural design;
Definition of perspective directions of development of modern architecture and town-planning;
Popularization of creative achievements of young architects;
Expansion and strengthening of cultural, creative and humanitarian ties between creative youth in the CIS countries, Europe, Asia and other continents;
The founder of the Biennale is the public association "Belarusian Union of Architects" with the support of:
Ministry of Architecture and Construction of the Republic of Belarus;
Ministry of Culture of the Republic of Belarus;
Minsk City Executive Committee;
International Union of Architects (ISA);
International Association of Architects' Unions (MASA).


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By Trevor Sudama
December 07, 2010 – newsday.co.tt
I was astounded by Panday's lack of concern for the future of the sugar workers when he was the leader of the Government.
I myself was involved in the struggles of sugar workers in the sixties and early seventies. I was a candidate of the United Labour Front in the 1981 General Election in a sugar growing constituency.
Continue reading 'An act of gross betrayal'


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Third Tuesday of Every Month
The Red Lion Lincoln Square
(4749 N Rockwell)
Sign Up List at 7:00pm
Stories at 7:30pm
Do Not Submit Lincoln Square takes place in one of the neighborhood's most welcoming pubs. Arrive at 7:00 to sign up for a spot, and when your name is called, you will get 7 minutes on stage to tell any story you'd like. (Late arrivals can sign up as long as there are spots still available. The event ends at 9:30.)
All ages.
No experience necessary to participate.
Drinks and food will be available for purchase.
Questions, comments, concerns or suggestions? Email us at firstname.lastname@example.com
All ages.
No experience necessary to participate.
Drinks and food will be available for purchase.
Questions, comments, concerns or suggestions? Email us at firstname.lastname@example.com
About Your Hosts
Maria Vorhis is a writer/performer, filmmaker, teaching artist, and human. She graduated from the University of Iowa with a B.A. in Theatre Arts where she was introduced to the wonderful world of clown, which has become the guiding force of her creative work. She tours her one-woman show "Are You There, George?" to living rooms, and was awarded "#1 Newbie of MN Fringe" by vita.mn. Film credits include web series, "Sad Dad" and feature film, "These Hopeless Savages," for which she was awarded Best Supporting Actress by The Wild Rose Film Festival. In June of 2016 she wrote, produced, and acted in a short comedy, "Sexpert Franzen." Maria currently works as a Booking Agent and Actor for Swander Woman Productions, where she tours a solo show about farm land transition. Maria lives in Chicago where she is an active member of the storytelling and live literature scene.
Martin Andrews is an actor, director, and storyteller. In 2009 he co-founded WORKING GROUP THEATRE, a nationally-recognized theatre company, whose original plays, events, and educational programs are created in collaboration with artists and community partners to tell the untold stories that surround us. He has received support from the New England Foundation for the Arts, The Association of Performing Arts Presenters, the Met Life Foundation, The National Endowment for the Humanities, The National Endowment for the Arts, and others. Martin is a certified Teacher of Fitzmaurice Voicework® and was Co-Creator and Co-Director of the FIRST INTERNATIONAL FITZMAURICE VOICEWORK CONFERENCE in Barcelona, Spain, which brought together over 100 students and teachers from twelve countries. Martin was the Core Creator and Producer of THE BROKEN CHORD PROJECT, an award-winning theatrical examination of Alzheimer's Disease and caregiving carried out through interviews with patients, doctors and caregivers. From 2010-2015 he was the creator and director of WAS THE WORD, a monthly spoken word, storytelling, and music series in Iowa City that raised money for human service organizations. Martin co-produced/co-directed TELLING: IOWA CITY and TELLING: ALBUQUERQUE, full-length plays created from the stories of returning veterans and acted by the vets themselves. As an actor, Martin has originated roles in seven world premiere plays with Working Group and has continued to act around the country developing new work and performing established plays at The Kennedy Center, Hancher Auditorium, The Know Theatre, Riverside Theatre, Duke City Repertory Company and many more. Before moving to Chicago in 2017, he served as Artistic Director of SHAKESPEARE ON THE PLAZA, a free public Shakespeare Festival in the urban center of Albuquerque. Martin has taught and directed in the Department of Theatre at Central New Mexico Community College, Cornell College, Coe College, and The University of Iowa. MFA, Theatre, University of Iowa; M.Ed, Social Science and Latin, Wright State University; BA, History and Philosophy; The Ohio State University.


text: With 894 goals, 2,857 points and four Stanley Cups to his name, there's no doubt that Wayne Gretzky is the greatest hockey player of all time. Donning the iconic 99 jersey, "The Great One" set 61 NHL records throughout his playing career (60 of them still stand today), but none of them stand out more than his incredible feat of scoring 50 goals in just 39 games during the 1980-1981 season. To commemorate this record, watchmaker Breitling has unveiled a highly limited version of its Chronomat 44 timepiece, featuring a luxurious gold case, individual numbering and Gretzky's logo placed on the subdial in the 9 o'clock position. Finished off with a genuine black leather strap and the legend's signature on the rotor, this beautiful watch is limited to just 50 pieces and can be purchased from select Breitling retailers for a cool $31,465 USD.


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The convergence of martech and ad tech: what it means and what's standing in its way
For several years, there has been much buzz about the convergence of marketing technology (martech) and advertising technology (ad tech). As Joe Stanhope of Forrester put it: "Some reactions to looming convergence approach satire, sometimes even intentionally. Like the war-room-bound leaders in the movie 'Dr. Strangelove,' we wonder: Are we heading for mutually assured destruction? Is somebody harboring a doomsday device? Have our deterrents been rendered useless? Which side will strike first? Who's really in charge?"
This might seem overdramatic, but the convergence of martech and ad tech have far-reaching consequences, potentially affecting the allocation of tens of billions of dollars in marketing budgets.
But is the convergence of martech and ad tech (affectionately dubbed "madtech") a sealed fate, or merely a pipe dream?
To answer this, it is important to first understand the difference between the two.
What's the difference between martech and ad tech?
This question is actually a fairly complex one, and the answer largely depends on who you ask.
According to LiveIntent, the differences boil down to 3 fundamental factors: audience, channel and data.
|Ad tech
|Reaches out to unknown individuals (a one-to-many environment)
|Reaches out to known customers (a one-to-one environment)
|Uses 3rd party paid media
|Uses owned media, like email and website
|Uses cookies augmented with 3rd party and behavioural data to build campaigns
|Uses first-party collected personally identifiable information (PII) to segment customers, as well as some of the tactics used in ad tech.
It is this data that lies at the crux of martech and ad tech convergence. By combining this once-siloed information, brands are able to build more holistic, behaviour-driven customer profiles, allowing them to create a more seamless brand experience.
What are the pros of martech and ad tech convergence?
According to a whitepaper released by AdRoll called "The Convergence of Ad Tech and Martech", there are several benefits.
Better attribution
According to Lewis Brannon at CPC Strategy, "in today's world of digital commerce … the average transaction has more than 30 touchpoints in it". But, in a first-click last-click model, the first or last click receives 100% of the credit for the eventual sale, creating a misleading representation of how other touch points are contributing to the journey.
The convergence of martech and ad tech make multi-touch attribution easier, allowing marketers to ascertain the true value of campaigns and where leads are potentially falling off the buyer's journey.
Improved customer experience
We have seen examples of how marketing technology can be used to provide outstanding customer service. Now, throw data gleaned from ad tech into the mix, and you get an all-round view of the customer, with transaction history, behavioural characteristics and social activity all linked together. By knowing exactly how customers engage with your brand, you can create more cohesive campaigns and more seamless buyer journeys, resulting in increased engagement and lifetime value.
Better personalisation
Personalisation at scale is the holy grail of marketing – and the convergence of martech and ad tech makes this possible. By knowing the identity of a customer with complete certainty, marketers can personalise not just the message, but also the product and service offering. In other words, "it is direct marketing with mass-media scale".
This has financial implications too. According to McKinsey, "personalization can reduce acquisition costs by as much as 50%, lift revenues by 5% to 15%, and increase the efficiency of marketing spend by 10 to 30%".
More sales at better prices
In the end, marketing is about selling as much product as possible at the best possible price. By having tighter integration across all marketing activities, brands can deliver the right offer to the right customer at the right time. It's no coincidence the product you were just viewing on the net is now popping up on your Instagram feed, and in-text ads on the websites you're visiting.
More control
Marketers can take control of data that was traditionally the purview of agency partners, and use attribution modelling to hold agencies to account.
What is standing in the way of martech and ad tech convergence?
So far, martech and ad tech convergence sounds pretty great, right?
But while large martech players, like Adobe and Oracle, have already started acquiring ad tech companies, the convergence of the two is not necessarily a foregone conclusion. Some, like Gartner's Martin Kihn, argue that martech and ad tech are two disciplines that differ on too many dimensions to ever fully converge.
According to Khin, there are 7 differences between martech and ad tech that makes them (possibly) incompatible:
- Buyers: While advertising is a very top-heavy industry – according to Gartner, the top 100 global advertisers are responsible for 30% of total media spend – martech is much more evenly distributed.
- Budgets: While advertising lies firmly in the purview of the CMO, martech is usually a joint investment decision between several stakeholders, including the CMO, CIO, Finance, Legal and others.
- Customer data: While the data may be complementary, the way in which they are used by ad tech and martech is very different. In martech, depth and accuracy is key, whereas in ad tech, where the stakes are much lower, recency is valued above all, including accuracy.
- Talent: Kihn writes: "Ad-tech is a big-city, latte-sipping-coastal-elite, hipster-hugging multiverse. It exists in NYC, SF, LA, Chicago and … ? Mar-tech can be anywhere; it's not owned by agency hipsters and it is quite at home in Indianapolis or Battle Creek. Different types of people work in these milieus. Enough said."
- Revenue model: Martech is subscription-based (making it much more attractive to venture capitalists because of its predictable revenue model), while ad tech relies on media pricing, which is volatile and harder to predict, making it much riskier.
- Risk: Ad tech is more susceptible to changes in consumer behaviour. The nature of trading desks and real-time bidding also opens ad tech up to fraud and viewability.
- Competitors: While martech's competitive landscape is a "controlled universe", as Kihn says, ad tech is forced to compete with some of the biggest companies on the planet, including Facebook, Google and Amazon, which adds yet another dimension of risk.
AdRoll, however, argue that these obstacles are not insurmountable, and that marketers' desire to achieve a universal view of their marketing activity will eventually make it possible.
It seems the eventual convergence of martech and ad tech is inevitable – and those that are the first to create truly seamless brand experiences will be the ones to reap the rewards.
Are you thinking about integrating marketing technologies in your business? Then check out The no-nonsense guide to streamlining and integrating marketing technologies. Download it now to ensure your integration is a success.


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The Internship takes the bromance genre film and turns it into an extended advert for Google in this disappointing comedy, which rises above mediocrity in moments only thanks to the irresistible charisma and likeability of its lead actors.
The plot is formulaic and feels like it's been done a thousand times before. Two high-end watch salesmen, Billy (Vince Vaughan) and Nick (Owen Wilson) have found themselves largely obsolete in a world increasingly dominated by tech-savvy graduates. After Billy stumbles across the Google internship programme, the pair set off on a mission to start afresh at the company, having inexplicably been given a place amongst the nation's most promising young nerds. Assigned to a group with the internship's token underdogs, the team has to fight for their future careers in an extended competition. Strip clubs, plenty of bickering and a dollop of rather sickly redemption bond the group together along the way, with suitably predictable results.
The scene in which they fight for their place on the internship via webcam from a library computer is arguably the only truly laugh out loud funny moment in the film, with Vaughan and Wilson proving that they're still capable of the quick, sharp banter that made Wedding Crashers so funny. Otherwise, The Internship drags and falters by the second half. There is very little discernable message to the movie aside from how cool Google is as a company, and how badly we should all want to work there, which leaves one wondering just how much money the web giant poured into this film's production. Rose Byrne is wasted as Nick's love interest; the script renders her a two-dimensional nerdy sex object, while the supporting cast are all vaguely funny but are weighed down by the film's script. The best moments in The Internship are when Vaughan and Wilson are allowed to bounce off each other in the style they're known for, but even their crackling screen chemistry doesn't save this rather dull affair.


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By Christensen's definition, disruptive change occurs when a new technology has some feature that is not applicable in an existing market and performance characteristics worse than existing technology in that market, but capable of growing to meet that market's needs in time. What happens is that the new technology debuts in another, often related, market and then moves back into the original market, often displacing the existing suppliers there. Christensen's key example relates to the development of the disk drive market form the '70s to the '90s and the failure of many of the incumbent 14-, 8- and 5.25-inch drive manufacturers over that period.
What struck me at TDWI was the explosion in novel and even radical approaches to the database and storage side of data warehousing that were on view. While most of the technologies are not new, the combinations and price-points are certainly innovative and maybe disruptive. For many years, the DW database market has been very quiet, but the last couple of years has seen an explosion in new entrants. What the newcomers have in common, from the more established ones like Netezza to the more recent entrants like ParAccel, is a focus on query performance and large data volumes in specific analytical applications that might traditionally be called data marts.
As these vendors' technologies and techniques are proven in largely stand-alone environments, they are beginning to raise questions in the traditional enterprise daat warehouse arena. We've already seens the incumbents (Teradata, IBM, Oracle and Microsoft) introduce appliance-like solutions. But the real question I see relates to the underlying architecture of the data warehouse itself. After more than 20 years, are we about to see a fundamental change in the way we design business intelligence environments?
I'll be exploring this question over the coming months, but I'd love to hear your views at this stage!
Posted March 3, 2009 7:10 AM
Permalink | No Comments |


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ASHP House of Delegates
The House of Delegates is the ultimate authority over ASHP professional policies, which express the Society's stance on important issues related to health-system pharmacy practice and medication use in society. The House of Delegates meets annually at the ASHP Summer Meeting, where it reviews policy proposals that have been approved by the Board of Directors; most professional policies are initially drafted by ASHP councils or the executive committees of sections and forums. The Chair of the House of Delegates is Amber Lucas.
Participating in policy making is one of the most important functions that a state affiliate society like OSHP can contribute to the larger efforts of our national society. ASHP uses these approved policies in their daily business of running ASHP, advocating for the profession, and most importantly ensuring safe and effective medication use for our patients.
OSHP is awarded 3 delegate representatives to ASHP annually. OSHP membership elects these delegates to multi-year service obligations, which overlap with each other, ensuring longitudinal consistency. The current OSHP delegates are:
3 year Delegate (ending 12/31/2019): Mike Millard
2 year Delegate (ending 12/31/2019): Katie Norton
2 year Delegate (ending 12/31/2020): Andrew Gilber
3 year Delegate Alternate (ending 12/31/2021): Zach McCall
Interested in what's going on at ASHP? Sign up for ASHP Connect (sign in required).
ASHP Delegate Reports


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Please feel free to contact us with any questions regarding our services. We do makeup for any event, so if it's not listed on the website, just ask! Give us a shout, text or email for rates. Look forward to working with you!
All Appointments done on-location are subject to a travel fee, depending on location.
Bridal/Wedding Makeup
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(Formals, events, family portraits, self portraits, parties, showers, etc.)
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Makeup Lessons
Private Makeup Lesson
As your style guide, Ashley will show you the way to beauty success in a one-on-one detailed makeup lesson. Through a 2-2 ½ hour experience, she will help organize your makeup bag to teach you how to work with what you have, and make recommendations for you. She will teach you how to do your own makeup like a pro, while enhancing your natural beauty and personal style. Feel free to ask any questions you might have about makeup during this lesson!
Update/ New Season
After you have had a private lesson with Ashley, you now want to change up your look for a new season, add on to what you learned before or refresh your makeup bag. This is recommended every 6-9 months, and is 1 ½ hours. This will allow you to amp up your look and always feel glamorous!
Glamourosity Makeup Party
"A girl's night in" with me can be one memorable night! I will take the group through an entire makeup application on a model (someone in the group), teaching step by step hints & tips of pro artistry. After each segment, the guests copy my techniques on themselves, while I give individual assistance. Guests brings their own makeup bag, so that they can learn how to achieve the look with products they already have. Of course I give suggestions on products that would enhance their makeup. Each guest will receive a face chart as a reference guide & a Glamourosity gift bag full of goodies!! Most makeup parties last between 2-3 hours, depending on number of guests. Glamourosity makeup parties are a blast, and we all know the ladies need their lady time!
Most people that book parties split the cost at the door, and invite no more than 10-12 guests.


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If you're in the business of marketing baked beans, you'll pull out a fair few stops and a large budget to cut through the noise.
Heinz has launched their new Australian ad for baked beans, as part of their new 'Can Size for Every Aussie' product launch, and it could be mistaken for a Pixar short.
Created over a year, the ad has a rather Up vibe. It focuses on central character Geoff, head of innovation at the company. Essentially, the ad is a three-minute life narrative of a man addicted to beans, and his future wife in the spaghetti department. See for yourself above. Read more…
More about Advertising, Pixar, Heinz, Culture, and Web Culture
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There are no on-screen declarations of love, no furniture is broken, and the supposedly terrifying killer spends most of his onscreen time teaching computer classes at a community college, yet the Bones season 8 premiere manages to be one of its stronger openers in recent years.
The strength of Bones has always been its characters and "The Future in the Present" continues that tradition, delivering a strong ensemble performance. While their goal focuses around restoring Brennan (Emily Deschanel) to the lab, each of the six main characters has their moment in the spotlight.
As the camera opens on a pastoral picnic in the foothills of a very fake mountain, it's revealed that three months have passed since the serial killer Pelant (Andrew Leeds) framed Brennan for murder, forcing her to go on the lam with her father, Max (Ryan O'Neal), and infant daughter, Christine. It appears that all the brilliant forensic anthropologist needed to soften her harsher edges was a progeny because the opening scene with she and her daughter is nothing short of touching. Clearly she misses Booth (David Boreanaz) and is growing weary of a life on the run. Of course she is still the top scientist in her field and she's lost nothing of the essentials of her character, but she has grown and hopefully that growth will only continue.
Meanwhile back in DC, Booth is stuck at a desk, forced to watch Special Agent Hayes Flynn (Reed Diamond) take over his office and continue a full FBI pursuit of Brennan. Boreanaz plays an excellent impatient man, giving the picture of a caged tiger just waiting for his chance to pounce. He and Diamond work very well off of one another, giving and taking barbs and exchanging weary looks that make you believe they've been at this song and dance routine about Brennan's whereabouts for far too long. Not surprising, then, that Booth heads out as soon as there's a body that could be tied to Pelant and he doesn't leave Brennan's side once she finds him. Also, it's good to see the more serious, cop, side of Booth come out to play.
Diamond, meanwhile, does a good job of convincing the audience that while he may be sympathetic to Booth, he's still going to be a professional and do his job. The character of Flynn is one of the first FBI recurring roles to not come off as a patsy since John M. Jackson leant his formidable skills to the role of Deputy Director Sam Cullen, back in the show's infancy. Let's hope that trend continues and that a larger role for Diamond is being carved around the final shot of this episode.
Angela (Michaela Conlin) and Hodgins (TJ Thyne) are also given roles that hearken back to their roots. This is not the shallow, pithy Angela of recent years, but rather a return of the woman who has been firmly on Brennan's team from the very beginning; the one who would rather be put in jail than testify against her best friend's father. Yes, she's got all of the fancy equipment she's accrued over the years, but it's a means to an end here and the major focus is on hers and Brennan's friendship.
Her husband, whose bond with Brennan was sealed in a car trapped underground, gets back in touch with his angry side. Pelant can cite all of the psych reports he wants, but fans know Hodgins will bite worse than his bark if his family is in jeopardy. Thyne's scene where he clinically chokes Pelant could've been over the top, but he reins it in and delivers instead the most intense scene in the episode. The scenes between he and Tamara Taylor's, Cam, also crackle with energy, convincing the audience there's nothing Hodgins loves more than a twisted conspiracy of his own making.
Speaking of Cam, this was one of her better outings as well. Too often Taylor is underused and while she did utter her usual "send these results to Booth" line, at least this time it proves to be a salient plot point, rather than something to transition the show from point A to point B. She demonstrates great range of emotion here too, especially in her scenes with Clark (Eugene Byrd). Though let's hope that her taking him out for drinks doesn't foreshadow a coming relationship between the two. Angela already proved how awkward boinking the squinterns can be.
If anyone did get the short end of the straw in this ensemble piece it was Sweets (John Francis Daley), but not in a bad way. Sweets has come from being the annoying shrink to a guy Booth trusts not only to play his straight man in their subterfuge against Flynn, but also to protect Brennan at the lab - Not a role Booth hands over lightly. His insights on Pelant are what keep the serial killer tension from sagging.
Three guests stars are also so tightly woven into this piece one forgets they aren't part of the regular cast. The ebullient Patricia Belcher brings as much spunk and vivacity to the small screen as she has in each of her other twenty-seven appearances as federal prosecutor Caroline Julian. Her acerbic wit is unmatched and her blatant political incorrectness is a refreshing breeze amidst the stench of death and decay. It is for this reason Bones fans secretly hope Belcher never gets her own series; or that Hanson will one day cave and hire her himself.
Eugene Byrd is another familiar face in the Bones universe. His character Clark has always been the scientist on the outside looking in at the crew of the Jeffersonian, but always with an air of professional pride in his work. Here, Cam points out that he is not petty, nor does he shy away from essentially working himself out of a job by solving Brennan's case. The binders are a great running gag that didn't get too out of hand and are even validated by Brennan in the end. For his years of hard work it's fulfilling to see Clark being rewarded with permanent employment.
Finally, Ryan O'Neal returns as Brennan's father, Max Keenan. The criminal side of Max was hinted at in the season finale last year but is now in full bloom. Where Brennan is becoming sentimental, Max is the rational one; keeping them on the run and making sure they are one step ahead of both Pelant an the FBI. Running from both the law and the bad guys is how he lived for decades, so it tracks that he thinks much more like a criminal than Booth does. It will be very interesting to see how his insight that Pelant needs to be dead pans out alongside Sweets' warning that Pelant wants one of the team members to kill him. Max also knows a thing or two about creating a new identity so perhaps he will play a role in helping to prove Pelant should not be relinquished to the Egyptians.
The Bones season 8 premiere was a strong one. It tied up some of the loose ends from season 7, while setting up an arc for the rest of the season. It establishes Booth and Brennan as a solid, yet realistic, couple and reminds us just how tight-knit the Jeffersonian crew is as a family. The Pelant story wasn't as weak as it was in the finale nor as strong as it was in "The Crack in the Code" but now they have an opportunity to expand his backstory and personality. Let's hope the writers opt to develop him more like Howard Epps (Heath Freeman) than, say, Gormogon.
Bones airs Mondays at 8/7c on Fox


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Addressing disparities in healthcare delivery
This content was COPIED from BrainMass.com - View the original, and get the already-completed solution here!
With increasing diversity in the United States, a question has arisen regarding what accommodations should be made to assist the diverse population. Some groups or individuals feel that in order to address the increasingly diverse population; we must employ a medical staff that is reflective of a community's population. For example, if half of the population in a community is Hispanic, the medical office staff should be comprised of Hispanic workers.
Do you agree or disagree with this solution for addressing diversity in healthcare and why or why not? How would you address these diversity issues of the Unites States?
In the United States healthcare system, disparities such as socioeconomic, racial, and ethnic can be found. What do you feel are the most important disparities that need to be addressed in the healthcare industry?
How do the disparities affect individuals in terms of healthcare and what do you feel is the best course of action to remedy each disparity and why?
Solution Preview
In my thirty plus years of medical practice, I have seen many examples of disparities in healthcare delivery related to race, gender, socioeconomic status, and patient labeling ("pain patient"). One of the most glaring was the revelation in differences between the treatment of men and women in regards to cardiovascular disease. (Ayanian JZ, Epstein AM, Differences in the use of procedures between women and men hospitalized for coronary heart disease, N Engl J Med. 1991 Jul 25;325(4):221-5.) There have been several studies since the initial article confirming that there is a problem, though it is not clear whether the issue is related to gender differences in presentation or gender bias. The literature is replete with articles addressing healthcare delivery discrepancies related to race and socioeconomic status, acknowledging that it is not clear whether the later is an indicator of the former.
My personal feeling from years of observation is that most, if not all physicians want to practice medicine ...
Solution Summary
Disparities in accessing equal heathcare are related to race, gender, and socioeconomic factors. The first two will not be resolved on an individual provider basis by trying to achieve provider parity alone. Since much of the bias is subconscious, provider education as to its existence is critical. Socioeconomic disparities must be addressed both on the payment side and the cost side while maintaining useful incentives to achieve healthcare goals.


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Contact Evansville City Hall: 608-882-2266 | Open M-F, 7:30am - 4:30pm
City of Evansville, WI
The Eager Free Public Library is undergoing renovations. For up to date information and hours, call the Library directly at 608-882-2260 or click below to access the Library's web page.
Click Here to Visit the Eager Free Public Library Website


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BIG time wrestling will be coming to Maesteg on April 1 and will feature the Llynfi Valley's very own Bison Brody.
The Town Hall show by Welsh Wrestling was originally planned for March 25 but has been delayed a week.
Bison Brody, otherwise known as Adam Humphreys, played rugby for Maesteg Celtic Youth, Maesteg Celtic, Bridgend Under-21s and Bridgend in season 2003-4.
The 23 stone six-footer will be making his wrestling debut at Maesteg after a gruelling six months' training in the Welsh wrestling facility in Newport.
Tickets will cost £10 for adults, £8 for children and £30 for a family of four.


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Iraq's Shia leaders condemned the Sunni community Tuesday in strident outbursts that appeared to also reject President Obama's terms for offering U.S. military assistance against Islamic extremists.
Obama had called on Iraqi Prime Minister Nouri al-Maliki to reach out to the Sunnis before the U.S. would exercise military options including airstrikes on the militants of the Islamic State of Iraq and Syria.
However, Maliki announced a crackdown on Sunni politicians and military officers he considers "traitors." He said his Shia coalition would not negotiate with the Sunni bloc in parliament. The Baghdad government also charged that Saudi Arabia was backing ISIS.
"We hold them responsible for supporting these groups financially and morally, and for the outcome of that, which includes crimes that may qualify as genocide," Maliki's government said of the Saudis in a statement.
United Nations Secretary General Ban Ki-moon said he had spoken with Maliki urging inclusiveness to little effect.
"There is a real risk of further sectarian violence on a massive scale, within Iraq and beyond its borders," Ban said in Geneva. "I have been urging Iraqi government leaders including Prime Minister al-Maliki to reach out for an inclusive dialogue and solution of this issue."
The break with the Sunnis came as Pentagon officials said Iraqi forces appeared to be holding their lines against advancing ISIS fighters in the town of Baqubah about 40 miles north of Baghdad.
"We have reason to believe the Iraqi security forces are stiffening their resistance and that's encouraging," said Rear Adm. John Kirby, the Pentagon press secretary. Kirby said the Iraqi forces were backed by Shia militias who were responding to the call from Grand Ayatollah Ali Sistani to fight against ISIS.
Obama was scheduled to meet Wednesday with Congressional leaders on the military options in Iraq. The leaders include Senate Majority Leader Harry Reid, D-Nev., House Speaker John Boehner, R-Ohio, Senate Republican Minority Leader Mitch McConnell, R-Ky., and House Minority Leader Nancy Pelosi, D-Calif.
"I'm anxious to see what plan he might have, given where we are," McConnell told reporters.
On Monday night, Obama informed the Congressional leadership under the War Powers Act that he was deploying as many as 275 U.S. troops to Iraq to protect the U.S. embassy in Baghdad.
At a Pentagon briefing Tuesday, Kirby said about 175 of the troops had arrived in Baghdad while another 100 troops were being stationed in Jordan and other neighboring countries with orders to move quickly if needed for evacuations from the Embassy.
Kirby declined to say whether the 100 were Special Forces troops, but said "they're available for a wide range of missions."
The U.S. has also moved the aircraft carrier George H.W. Bush, the guided-missile cruiser Philippine Sea and the guided-missile destroyer Truxtun into the Persian Gulf in the event that Obama orders airstrikes and Tomahawk cruise missile strikes.
The U.S. also has fixed-wing attack aircraft and Predator and Reaper drones capable of firing Hellfire missiles at airbases in Qatar, Kuwait and Turkey, but it was unclear whether those states would permit airstrikes to originate from their territory.
Maliki's refusal to reach out to the Sunnis has raised the possibility that Iraq could fracture into three regions -- a Sunni sector north and west of Baghdad, a Shia region south of the capital, and a Kurdish state in the far north.
The Kurds already have a Kurdish Regional Government (KRG) in the north that has demonstrated limited allegiance to the central government. KRG Prime Minister Nechirvan Barzani said Tuesday that a breakup of Iraq might be the only solution to the sectarian violence.
"It's not only ISIS. It's the result of the wrong policy in Baghdad vis-a-vis Sunni areas," Barzani told the BBC. He said he had lost all trust in Maliki and would no longer deal with him.
-- Richard Sisk can be reached at firstname.lastname@example.com


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This app was removed from the App Store.
iOS iPhone Utilities
Diceshaker is a little dice-rolling utility for your roleplaying sessions and board games. It's designed to be simple, uncluttered and easy to use.
• Displays roll total and individual dice, to accomodate different game rules.
• Roll history provides you with previous kinds of rolls. If your weapon deals '8d6' damage, no need to fiddle to find the '8' every time you roll!
• Shake your iPhone to roll the dice!
• Optional sound effect and vibration at roll.
(PLEASE NOTE: The most current version fixes the issue with random rolls being predictable and highest rolls not being reachable. Please update if you have an older version.
Sound can be toggled on or off from the settings pane, which can be reached by touching the 'i' button. If it doesn't work as desired, please use the Support link below to notify the developer of the problem.)
German localization courtesy of Sascha Hameister (App Aware).
Swedish localization courtesy of Karl-Johan Norén.
What's New
• Includes a Polish localization.
• The 'i' button on the main screen is now easier to touch.
Polish localization courtesy of Maciej Król.


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For tailgates, Sunday suppers or a mid-week meal, wings are always a crowd-pleaser
- Ingredients
5 pounds chicken wings, cut into drums and flats
1 teaspoon kosher salt
1 teaspoon freshly ground pepper
2 tablespoons baking powder
- Directions
Preheat oven to 275 degrees.
Pat chicken wings dry with a paper towel.
Toss wings with salt, pepper and baking powder.
Place onto a baking rack nestled onto a baking sheet with sides (to prevent juices dripping out). 5 pounds of wings will fill two baking sheets.
Bake at 275 degrees for 25 minutes on a low oven rack.
Crank up the heat to 425 degrees and move wings to center of oven. Bake for 45 minutes or until wings are crispy and golden.
3 Sauces for Tossing
Whisk all ingredients together and leave in a large bowl, divide wings and toss separately.
Smoky Chipotle Honey Dijon:
1/4 teaspoon smoked chipotle powder
1/4 teaspoon salt
1 tablespoon Dijon mustard
2 tablespoon honey
1/3 cup melted butter
Cilantro Lime:
2 tablespoons melted coconut oil
Zest of 1 lime
3 tablespoons fresh lime juice
¼ cup fresh cilantro, finely chopped
1/4 teaspoon sea salt or pink Himalayan salt
2 teaspoons sugar
Orange Sesame:
2 tablespoons soy sauce
2 tablespoons sesame oil
1 teaspoon ginger
¼ teaspoon salt
2 cloves of garlic, pressed
¼ cup orange marmalade


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Granny Bee
Granny Bee
I was inspired to write this short story from my passion for children and bees. It is the adventures of a grandmother bee teaching her grandaughter how to gather pollen for their Queen. She teaches her how to "Buzz so loud that you want the whole world to hear you" Gather water from the rain, which are the best flowers for pollen. During this adventure they become seperated but with the help of humans become united. There are rhythms throughout the story starting with: "I'm busy busy busy said Granny Bee. I wont be back for supper or tea. It takes me hours and hours to visit all of the flowers." On the last page there are some 'Bee facts'. Hence it also has an educational slant to it.
Key Words:
Bees, Granny, Flowers, Pollen, Honey, Children, Illustrated, Queen.
Debbie Carnegie
I am currently living in South Devon with my second husband. Between us we have a large family including twelve grandchildren. I have worked in mental health in varying capacities for the last forty years. Since retirement I spend my time (when not with family!) writing, weaving and looking after my hives of bees. This combination now keeps me busy and happy!


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Please refer to the story below:
Portugal will be the next Greece, predicts Mohamed El-Erian (The Guardian)
El-Erian, who is also co-chief investment officer of Pimco, said he expected Portugal's first bailout package to be insufficient, prompting it to ask the EU and IMF for more money.
"Then there will be a big debate about how to split the burden between the EU, creditors, the IMF and the European Central Bank. And then financial markets will become nervous because they are worried about private sector participation," he said.
Lets look at the unemployment rate in Greece and Portugal (thanks to Google, it is much easier). As a note, I am trusting Google data feed for now, but I plan to take a look into where the data is coming from for future analysis.
The unemployment numbers are minimized by Governments, and growth is usually exaggerated. Given the current polticial situation in the Euro Zone (aka Shit), it seems that Mohammad El Erian is correct in making that call for Portugal following Greece's path. The next question is, what other countries will follow Portgual?
I found another fun "Debt" clock – thanks to The Economist. Check it out here. (The funny thing is that Greece has 141% debt to GDP ratio, Portugal: 94.6%, Spain: 78.4%, Italy: 121.6%, France: 92.5%, Germany 77.8%). As the debt increases for one country, then it has to be an asset (loan out by) another country, which will be Germany in most of the cases. Is the last card Germany?