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Emergency Funds – Funds that you can save for your ill time and never be touched except emergency.
Having an emergency fund isn't mean that you are rich or doing well for your living, it means a lot more than that. You can easily fulfill all your financial needs when you have a good job, Can you imagine if time changes or you don't have any job and also suffer from financial crises. It's always a good idea to plan you for future and start saving funds as an emergency fund that helps you to fulfill almost most of the requirements. An emergency fund makes you confident and wise vision for future aspects.
Saving funds for the emergency is always a wise idea, rather than to borrow money from Credit Excel Money Lender as the interests can honestly be overwhelming for some people. Emergency funds help you avoid that extra cost of interest rates that money lenders charge for the money lend you in your emergency times.
Questions are – why do we need an Emergency Fund?
Well, everyone should know why it is important to all. You don't even have an idea or may never know what happens to life. In that case, money lenders will lend you money but, they will also charge high-interest rates on your mortgage in return. To avoid this high-interest rate and ask money from money lenders, using your emergency funds are way better than anything else.
Here are the top priorities that can be considered as Emergency funds.
• Lost your job – It doesn't matter how much you love your job but the question is – you never know when your company stops feeding you. You know how much cost when you lost your job or still have bills to pay and mortgages. Monthly regular income is most important to make your living smoothly. But this isn't smooth or cool if you lost your job and not able to find a new job for days or even month. What should you do? How can you make your living? How can you pay your bills, mortgage, Travel expenses, Home, food expenses? The only thing you can save yourself by using your emergency funds and can make your living better till you get the new job.
• Medical Emergency – health is wealth, that why everyone understands how important our health matters to us. In today's modern life, maintaining yourself fit and fine is quite important to all of us. But, you don't know how when you need a medical emergency. Medical emergencies are not only related to your health issues but also related to accidental cases. We need money instant to pay medical bills when there is any medical emergency and for the sake of life, we have to arrange funds from anywhere, Money lenders are the only option left to you if you don't have any emergency funds in your account. Even if you are Singaporeans, Medisave might not be enough as you will need cash payment as well.
• Unplanned visits – Everyone knows there monthly income and expense and definitely can maintain budgets according to their income source. Most of us are only have the limited or fixed amount of earning and never expect to have an unwanted expense or visits. This may cause them a financial crisis and due to a limited source of earning they won't afford unwanted expense or visits.
Saving money isn't an easy task. But you can start saving your emergency funds systematically. Here are few tips that help you to know how you can save emergency funds.
Calculate your monthly expenses and budget accordingly
You must know your monthly expenses to start your savings. If you don't know what your monthly budget is, you can calculate all your bills, home rent, mortgage etc. whatever expenses you have in a month, calculate all and compare it with your income. An ideal way of leaving is – income is always more than your expenses. That's the only way you can save your money for future or in emergency times, as no one knows, how life treats you in coming days. This is what we say, Life Happens.
Set a monthly goal for your emergency fund
Make a goal, so that you must have monthly saving unless you have an emergency. Buying new clothes or going out for weekend or movie is not an emergency. Lost your job, robbed and out of money and have to pay bills are the considered to be real life emergencies. Prepare yourself accordingly and start saving apart from your salary or monthly income.
Develop a plan – with a time period
Start making a target right from the first month and then increases it to three months to nine months and after 1 year. You can increase your saving only by setting goals for yourself. There are expenses for daily life that must be paid like – transportation, food, electricity, credit card bills, and mortgages.
Remember, Emergency funds must be the minimum 3 times of your monthly income to maximum 18 months. Assume, your monthly expense is $3000, in your saving account or emergency funds you must have at least a minimum balance of $9000 to $18000 dollars in your saving account.
Save your funds accessible from anywhere
Save your emergency money from where you can access it easily. Bank saving accounts are the ideal place to maintain weekly, monthly, quarterly, half or yearly. You have to decide yourself, how things work or suited best for you.
Stand strong – Stick to your plan
Be strong and stick what you committed to yourself. If you have decided that you have to save $500 from every month then you must stay strong to your decision. Doesn't matter, what difficulties you are facing. This is the most essential and difficult job to save funds continuously every month to your saving accounts. Anyone can start saving your emergency funds; you just need to have perfect planning and right target in your life.
By maintaining healthy emergency funds in your account, you will help yourself to stay strong and take the decision of yours with complete freedom and confidence. This gives you the luxury to spend the funds that matter the most for you. So, start saving your emergency funds.


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The noise Thursday mornings at the Savannah National Wildlife Refuge visitor center near Hardeeville isn't the racket of deer breaking through the brush or flocks of noisy migrating birds filling the trees.
It's the sound of volunteer Rick Shields trimming the edges of the sidewalks and operating the riding mower over the common area lawns.
Shields, who is also president of the Friends of the Savannah Coastal Wildlife Refuges, is out at the refuge nearly every week doing something, from mowing to discussing possible projects with rangers that will help enhance the visitor experience.
"They are indispensible to us," said Refuge Ranger Peter Range. "In the last 25 to 30 years the federal budget has not been keeping up with growth, so the U.S. Fish and Wildlife Service here wisely decided to tap into the wealth of volunteers."
One of those volunteers is Twila Gray, who just spent the day before with her sister spreading 84 bales of pine straw around the grounds.
"I started out at Pinckney (Pinckney Island NWR) because it was going to close if it didn't get work done on it," Gray said. "So Rick then started me over here and I started out working in the store."
The store is in the new visitor center and is run by the Friends for the refuge. Staffing the desk is another volunteer, Diane Rand, also a Sun City resident and an avid birdwatcher.
"We bring the club here frequently, especially in the winter," Rand said. "It was an opportunity to get into the new visitors center.
"It's unfortunate that the refuge road is closed for repair of the water controls but once it's done, it'll be good for a long time," she said.
The refuge has solved that issue temporarily by providing visitors a list of other refuges nearby and that's what Rand tells a caller from Florida coming to see the water birds that live and stop near the Savannah River.
Not that there isn't plenty to do and see in the center.
"I like the mix of people who come through," Rand said. "I've had a lot of people come from out-of-state and as a birder it's great to meet birders from other areas and talk about the best places to spot birds."
There are inside jobs, like filing, dusting, answering phones and other things, according to Monica Harris, the visitor center manager.
"I always have an ongoing list of things and some days we need volunteers more than others for bigger projects," Harris said.
Outside, the work gets a little heavier but still there's painting, lawn work and, thanks to Lowcountry Master Gardeners, the new butterfly garden to maintain.
A new project set up by Range is a bird banding station. Range and Gray spent the morning setting up poles and stretching a series of fine mesh nets the length of three volunteer-cleared paths deep in the woods.
The nets will catch birds that fly through the pine stand and be there for Range and others to collect for biological monitoring and environmental education.
At some point there may be an opportunity for the public to observe the process but for the moment, the staff and volunteers are the only ones involved, particularly with keeping the paths clear of growth and helping with documentation.
Steve Calver is one of those keeping the paperwork as Range examines and IDs the birds netted in the first round. He's been volunteering in local refuges for more than 20 years.
"I came because Pat Metz talked me into it," Calver said.
Metz was a refuge ranger for 32 years who saw the visitor center project through to completion and retired in March once it was opened to the public.
"I believe in what the Fish and Wildlife Service does," he said.
Because there is always a need for help but people didn't always know when they could volunteer, the Friends and the refuge decided to set aside one day when those willing would know they were welcome. Every Thursday, Harris or someone is ready with a list of things as easy or as complicated as the volunteers can handle.
"It's not all hard work," Gray said. "There are always posts to paint."
"As we develop the visitor center more, the demand for volunteers will grow with it," Range said.
Wanna help out?
Those interested in volunteering from 9 a.m. to 3 p.m. Thursdays are asked to call 784-9911, ext. 103, and ask for Monica Harris, but if you forget to call, show up anyway. Someone will hand you a duster, rake or paintbrush. Stay an hour or stay all day.
The visitor center is on U.S. 17 about 6 miles north of Savannah and 7 miles south of Hardeeville. The center is open from 9 a.m. to 4:30 p.m. Monday through Saturday.

subset: commoncrawl


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Visit NBCNews.com for breaking news, world news, and news about the economy
"Well, I think he's so extreme and so tone deaf that he actually helps the cause of us passing sensible gun legislation in the Congress. Look, he blames everything but guns: movies, the media, President Obama, gun-free school zones. You name it, and the video games, he blames them. Now, trying to prevent shootings in schools without talking about guns is like trying to prevent lung cancer without talking about cigarettes." – Senator Chuck Schumer
NRA, PHONE Donny Deutsch, your reputation is taking a hit every time Wayne LaPierre shows his mug on television, and it wasn't anything to brag about when this nightmare began.
LaPierre's performance on Meet the Press was ugly and it couldn't have happened to an organization that deserves it more.
But playing the victim? Poor Wayne, the big bad media and all those anti gun meanies are causing him to have to defend his soulless organization.
A bit of the transcript:
This Sunday morning it's been nine days since the tragic shooting at Sandy Hook Elementary in Newtown, Connecticut. And the debate over gun control has been revived. Here with us exclusively this morning, the man at the center of that debate at the moment, the CEO and executive vice president of the N.R.A., Wayne LaPierre, who is answering questions for the first time since the shootings. I want to get right to it. Welcome back to the program.
WAYNE LAPIERRE:Thank you, David.
DAVID GREGORY:You promised in the wake of this massacre, 26 people murdered, that the N.R.A. would, quote, "Offer meaningful contributions to help make sure this never happens again." If we boil down your appearance before the news media on Friday, this was your message.
The only thing that stops a bad guy with a gun is a good guy with a gun.
You proposed armed guards in school. We'll talk about that in some detail in a moment. You confronted the news media. You blamed Hollywood and the gaming industry. But never once did you concede that guns could actually be part of the problem. Is that a meaningful contribution, Mr. LaPierre, or a dodge?
David, I said what I honestly thought, and what millions and hundreds of millions of people all over this country believe will actually make a difference. You know, I can't imagine a more horrible tragedy than what happened. We all have five year olds– in our families in some way. I mean we all put ourselves in that situation, and the tears flow down our eyes.
The N.R.A., made up of all these moms and dads, parents, we have 11,000 police training instructors. We have 80,000 police families. We're four million members. And we sat down and we said, "What we can we do will actually make a difference today to make these kids safe?
But conceding that guns play any role, that's a meaningful contribution?
You know, look. I know there's a media machine in this country that wants to blame guns every time something happens. I know there's an anti-second amendment industry in this country. I know there are political (UNINTEL) for 20 years always try to say it's because Americans own guns.
I'm telling you what I think will make people safe. And what every mom and dad will make them feel better when they drop their kid off at school in January, is if we have a police officer in that school, a good guy, that if some horrible monster tries to do something, they'll be there to protect them.
All right, we'll talk about that in more specifics. But you're talking about some of the old complaints you make against the news media and such. Nobody's actually said that it's only about guns, so far as I've heard, not the president, not anyone else. But just I'd like to get your reaction to some of the reaction to you on Friday, which a lot of people were frankly shocked by your presentation.
Here was The New York Post, a conservative publication, I don't think part of the media conspiracy you talk about, and there's the headline: "Gun Nut. N.R.A. Loon in Bizarre Rant over Newtown." The Hartford Courant headline says that "The N.R.A.'s response falls flat."
The Congressman from the district of Newtown, Chris Murphy tweeted this: "Walking out of another funeral and was handed the N.R.A. transcript, the most revolting, tone-deaf statement I've ever seen." Just your reaction to that very harsh reaction to your words.
If it's crazy to call for putting police and armed security in our school to protect our children, then call me crazy. I'll tell you what the American people– I think the American people think it's crazy not to do it. It's the one thing that would keep people safe.
And the N.R.A. is going to try to do that. We're going to support an immediate appropriation before Congress to put police officers in every school. And we're going to work with Asa Hutchinson, who has agreed to work with us to put together a voluntary program, drawing on retired military, drawing on retired police, drawing on former Secret Service, and all these people that can actually go in and make our kids safe. That's the one thing, the one thing that we can do–
The one and only thing?
It's a–
You don't think guns should be part of the conversation?WAYNE LAPIERRE:
I think that is the one thing that we can do immediately that will immediately make our children safe.
Is it the only thing?
Gun control, you could ban all Dianne Feinstein's, you could do whatever she wants to do with magazines, it's not going to make any kid safer. We've got to get to the real problems, the real causes. And that's what the N.R.A. is trying to do.
And I think, I'll tell you this, I have people all over the country calling me saying, "Wayne, I went to bed safer last night because I have a firearm. Don't let the media try to make this a gun issue."
But that's argument, that's not fact. So let's–
No, it is fact.
Well, a feeling is not fact. A feeling is a sense of reassurance. That's not evidence. And I know that's not what you're presenting. But let's talk more specifically about what you're talking about, armed guards in schools. Because I know there are successful examples.Fairfax County, Virginia, has student resource officers. I'm sure you know a lot about that program. But you know, there's examples where it hasn't worked. The Columbine tragedy, Virginia Tech, there were armed guards there, weren't there? It didn't stop the carnage.
And let's talk about what happened at Columbine, okay? There were armed guards there, and they didn't go in. They were under orders that if something happened, they would have called the police for backup.
They exchanged fire with the shooters.
And they waited for the SWAT team to show up, and the SWAT team set outside and tried to figure out what to do. Every procedure has been changed since Columbine as a result of that– the way–
They exchanged fire with the shooters. So your principle of having armed guards was true in Columbine, was it not?
Look at the facts at Columbine. They've changed every police procedure since Columbine. I mean I don't understand why you can't, just for a minute, imagine that when that horrible monster tried to shoot his way into Sandy Hook School, that if a good guy with a gun had been there, he might have been able to stop–
I'm just trying to test your views here, Mr. LaPierre, about how it would actually work. So how many do you think you have to have on campus, and where? Is it sufficient to have them at the front of the school?WAYNE LAPIERRE:
I think– you know, that's up to our police. Our police do this every day. They protect the president, The Secret Service does. They protect The Capitol. They protect office buildings. Most of the media, I know you don't have armed guards here, but most of the media, when I go around this country, they're protected by armed guards.
Why can't we protect our most precious resource? Look, there was a Secret Service study that was done, okay? You know what it showed? It showed that the police, trying to get there in time, only stopped 25% of the shooters. The rest of them are either stopped by somebody in the system or they turn the gun on themselves. That's a pretty darned good argument for putting a good guy in the system somewhere with a gun to help our kids.
And again, it may be the case. Do you allow volunteers, or do they have to be police officers? Would you have volunteer forces there?
I think that what you need, you need police immediately, because that's something that we can get done. And then I think that Congressman Asa Hutchinson's going to look to do. And he got there long before we ever called him. Former head of the Drug Enforcement Administration. Deputy Director of Homeland Security.
He's going to put together a program like they have in Israel. Israel had a whole lot of school shootings until they did one thing. They said, "We're going to stop it," and they put armed security in every school, and they have not had a problem since then. Let's make our kids safe. Let's not argue about this endless argument about gun control.
But you would concede that, as good as an idea as you think this is, it may not work. Because there have been cases where armed guards have not prevented this kind of massacre, this kind of carnage. I want you would concede that point, wouldn't you?
I'm saying that if I'm a mom or a dad and–
You say you want to try it.
–and I'm dropping my child off at school, I'd feel a whole lot safer with these great men and women on police forces–
But look, you have to concede it may not work. It may be part of the solution.
Nothing's perfect, David.
But gosh, it's going to be better than–
And who pays? Because we know that a third of the schools that already have armed policemen or some kind of armed guards there. Will the N.R.A. be prepared to help financially? Is it really– is a budgetary matter feasible? Would federal grants be necessary to provide this kind of– firepower?
Well, as I said, I mean we have all kinds of federal foreign aid we do. My gosh, we're doing two billion to train the police in Iraq right now. With all the money in the federal budget, if we can't come up with to do this, or something long it's country, the N.R.A. will. I'll tell you, we fund the (UNINTEL PHRASE) child safety program right now as a model, the schools, for kids too young to be around guns.
You know what it teaches them? If you see a gun, stop, don't touch it, leave the area, all an adult. Written by the best child psychologist and elementary school curriculum experts in the country. And we have child actions down to the lowest level every–
So here's something you said on Friday that struck me. Because I think this is really the nub of the argument about armed security.
WAYNE LAPIERRE: What if, when Adam Lanza started shooting his way into Sandy Hook Elementary School last Friday, he had been confronted by qualified, armed security? Will you at least admit it's possible that 26 innocent lives might have been spared? Is that so abhorrent to you that you would rather continue to risk the alternative?
Because that's your standard is that fewer people should be killed. That's the goal here. And the standard is, if it's possible, your words, if it's possible that lives could be spared, shouldn't we try that? That's your standard, isn't it?
I tell you, my standard is this. You can't legislate morality. Legislation works on the sane. Legislation works on the law abiding.
It doesn't work on criminals. It doesn't work on the–
If it's possible to reduce the loss of life–
There are–
–you're up for trying it.
There are monsters out there every day, and we need to do something to stop them. And they're not–
If it's possible to reduce the loss of life, you're worth trying it, correct?
If it's possible to reduce the loss of life–
That's what you say.
Yeah, I want it. That's what I'm proposing.
Okay. So let me widen the argument. Let's stipulate that you're right. Let's say armed guards might work. Let's widen the argument out a little bit. So here is a magazine for ammunition that carries 30 bullets. Now isn't it possible that, if we got rid of these, if we replaced them in said, "Well, you could only have a magazine that carries five bullets or ten bullets," isn't it just possible that we can reduce the carnage in a situation like Newtown?
I don't believe that's going to make one difference. There are so many different ways to evade that, even if you had that. You had that for ten years when Dianne Feinstein passed that ban in '94. It was on the books. Columbine occurred right in the middle of it. It didn't make any difference. I know everybody– that this town wants to argue about gun control. I don't think it's what will work. What will work is this. I'll tell you this.
But (INAUDIBLE PHRASE) this a matter of logic, Mr. LaPierre. Because anybody watching this is going to say, "Hey, wait a minute. I just heard Mr. LaPierre say that the standard is we should try anything that might reduce the violence." Are you telling me it's not a matter of common sense that, if you don't have an ability to shoot off 30 rounds without reloading that just possibly you could reduce the loss of life?
That Adam Lanza may not have been able to shoot as many kids–
–if he didn't have as much ammunition?
I don't buy your argument for a minute. There are so many–
It's not possible?
There are so many different ways he could have done it. And there's an endless amount of ways a monster–
But here's some– don't take it from me. Here's Larry Alan Burns, federal district judge of San Diego, he sentenced Jared Loughner, appointed by President Bush, a gun owner, and supports the N.R.A.. Here's what he wrote in The Los Angeles Times: "Bystanders got to Tucson shooter, Jared Loughner and subdued him only after he emptied one 30 round magazine and was trying to load another. Adam Lanza, the Newtown shooter, chose his primary weapon as a semi-automatic rifle with 30-round magazines. And we don't even bother to call the 100-rounder that James Holmes is accused of emptying in an Aurora, Colorado movie theater a magazine, it's a drum. How is this not an argument for regulating the number of rounds a gun can fire? I get it. Someone bent on mass murder, who has only a ten-round magazine or a revolver at his disposal probably is not going to abandon his plan and instead try to talk his problems out. But we might be able to take the "mass" out of "mass shooting," or at least make the perpetrator's job a bit harder."
I don't think it will. I keep saying it, and you just won't accept it. It's not going to work. It hasn't worked. Dianne Feinstein had her ban, and Columbine occurred. It's not going to work. I'll tell you what would work. We have a mental health system in this country that has completely and totally collapsed. We have no national database of these lunatics.
23 states, my (UNINTEL) however long ago was Virginia Tech? 23 states are still putting only a small number of records into the system. And a lot of states are putting none. So, when they go through the national instant check system, and they go to try to screen out one of those lunatics, the records are not even in the system.
I talked to a police officer the other day. He said, "Wayne," he said, "let me tell you this. Every police officer walking the street knows s lunatic that's out there, some mentally disturbed person that ought to be in an institution, is out walking the street because they dealt with the institutional side. They didn't want mentally ill in institutions. So they put them all back on the streets. And then nobody thought what happens when you put all these mentally ill people back on the streets, and what happens when they start taking their medicine."
We have a completely cracked mentally ill system that's got these monsters walking the streets. And we've got to deal with the underlying causes and connections if we're ever going to get to the truth in this country and stop this–
Again, a lot of people would agree with that. There are a lot of difficulties with regard to getting that kind of mental health information, because there's privacy laws, there are states not contributing to a national registry. Isn't part of the issue background checks? I mean you have 40% of sales that go on without any background checks. Are you prepared to back broader background checks, if you don't think that the ammunition road is the way to go?
We have backed the National Instant Check System. We have backed putting anyone adjudicated mentally incompetent into the system. Now, I know where you're going with this. They come with this whole, "Ah, the gun show loophole." There's not a gun show loophole. It's illegal for felons to do anything like that, to buy guns.
What the anti-second amendment movement wants to do is put every gun sale in he country under the thumb of the federal government. Congress debated this at length. They said if you're a hobbyist or collector, if someone in West Virginia, a hunter, wants to sell a gun to another hunter, he ought to be able to do it without being under the thumb of the federal government.
But if you want to check and screen more thoroughly for the mentally ill, why not screen more thoroughly for everybody and eliminate the fact that 40% can buy a weapon without any background check?
We– we don't prosecute anybody under the federal gun laws right now. That's one of the–
But that's not a response to my question, Mr. LaPierre. What I hear you saying is, "Well, you can't do anything about the high capacity ammunition magazines because it simply won't work, yet you're proposing things that you don't know will completely work. But you're into the art of the possible, because your standard is anything that has a chance of work we ought to try, except when it has to do with guns or ammunition. Don't you see that people see that as a complete dodge?
You know what N.R.A. supports, David? N.R.A. supports what works, and we always have. We funded the (UNINTEL) Child Safety Program. We have accidents down to one tenth of what they used to be. We have supported prison building. We have supported programs like Project Exile where, every time you catch a criminal with a gun, a drug dealer with a gun, a violent felon with a gun, you prosecute him 100% of the time.
If you want to control violent criminals, take them off the street. That's what every police officer out there knows works. We've supported the Instant Check System. We supported getting these records into the Instant Check List.
But you don't deny that there are– that even the Instant Check System has huge holes, just like the mental health registry has huge holes.
And you know the biggest hole? I'll tell you the biggest single hole in it right now. If you're a felon and you walk into a gun store and you try to buy a gun, and they go, "Oh, you're a felon, and we're going to turn you down," they let you walk out, and they don't prosecute you. It's like Bonnie and Clyde. It's like Clyde goes in and tries to buy a gun, he goes bask to Bonnie and says, "Well, I got some bad news, they didn't sell me the gun. The good news is they let me go. They didn't do anything to me." So they go about, and they commit their crime.


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The Book Thief by Markus Zusak
Check out The Book Thief
A poignant, heart wrenching story, written in an experimental style that is at times challenging and at times delightful.
Author's Website: http://zusakbooks.tumblr.com/
(note: I've actually never been on tumblr before and just got absorbed while reading the author's tagged notes on The Book Thief and the actors who brought his characters to life. Makes me like the author even more – he seems like someone it would be wonderful and enriching to sit down with and just chat.)


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Related: Around Hua Hin | Khao Tao | Khao Kalok
out and about in paradise city ...
This fast developing town is situated only some 7 kms from Hua Hin and is quickly becoming a fully self-contained holiday destination with amenities ranging from accommodation, beaches, activities, restaurants and bars.
It would not have been that many years ago that the town was little visited, but now it can support package tours and independent travellers for any length of time. Things have changed and the town is certainly worth a visit for a day, or even longer.
Meaning literally "chopstick hill" Khao Takiab is dominated by a 272 m high headland that juts out into the sea. It is clearly visible at the southern end of Hua Hin beach. If you approach the hill this way, you are rewarded with the sight of a 20m tall Lord Buddha statue and there are other religious figures, both Thai and Chinese, at the summit, together with a statue of King Rama V. The hill is also know as "Monkey Mountain" due to large numbers of monkeys (macaques) that are resident there. Whilst not really fierce, care should be taken when they are around as they have a habit of grabbing and making off with anything that takes their fancy, especially handbags and cameras. It is probably better not to feed them as the larger males can sometimes become aggressive if the bananas have run out.
There are two good beaches either side of "chopstick hill" and both are less busy than Hua Hin's, offering quiet places to relax and enjoy good food from the many nearby beach restaurants. Note: the area can get busy at weekends and public holidays with visiting Thais and important Buddhist holidays are generally marked by hundreds of devotees flocking to the temples to give offerings to the monks and thereby making merit.
Accommodation is springing up all over town and you can now find a full range, from 5 star resorts and spas to mid range hotels and guesthouses. (See Khao Takiab accommodation for further options).
Khao Takiab has always been renowned for its fish and seafood (just as is Hua Hin), but nowadays you can find good international cuisine as well. There are a number of small local restaurants on the main road through Khao Takiab and they all offer great local fare at very reasonable prices. The 5 star resorts have a number of top-quality restaurants that are certainly worth visiting if you are feeling extravagant. Other places worth trying are La Mer which is close to the temple and offers fantastic views of Hua Hin, Supatra on the beach and Rua Rimtarn that is constructed in the shape of a boat.
There is a good selection of temples in Khao Takiab, including Wat Khao Lad at the top of "Monkey Mountain". Activities include all kinds of watersports, including jetskiing, parasailing, banana boat rides, kayaking and waterskiing. Bookings can be made at a local company on the main beach. There is an elephant camp down the first soi to the beach south of the mountain and you can arrange rides and feeding there. Even martial arts can be learnt and practised by people of all ages either on the beach or in local temple grounds.
As the beach at Khao Takiab is flatter and wider than Hua Hin's, it's perfect for beach games such as football, beach volleyball and takraw. If the tide is right (ie low) a boat ride to Koh Singto (Lion Island) is good fun and you can fish, rock climb and explore the rock formations and vegetation there.
Getting to Khao Takiab is easy. Songtaews are the cheapest method to take, costing 10 baht to and from central Hua Hin. Tuk tuks ply the route for around 200 baht and motorcycle taxis should transport you for 100 baht. All-in-all, Khao Takiab provides a quiet get-away from Hua Hin. Try to enjoy it before it becomes too developed.
If you'd like to find out more about Khao Takiab or want to ask for information about it or surrounding areas, visit our South of Hua Hin forum.


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A full council tax bill assumes that there are 2 adults living in a dwelling. However, for council tax purposes certain people will not be counted when looking at the number of adults.
How is Severely Mentally Impaired defined?
For the purposes of the Local Government Finance Act 1992 a person is Severely Mentally Impaired if he/she has a severe impairment of intelligence and social functioning (however caused) which appears to be permanent. Some examples of severe mental impairment include:
- Alzheimer's disease
- dementia
- schizophrenia
Does the person applying need to be getting any benefits?
A person will be disregarded on the grounds of being Severely Mentally Impaired if he or she is entitled to one of the following benefits:
- Incapacity Benefit or Employment Support Allowance
- Severe Disablement Allowance or Invalidity Pension
- Unemployability Supplement or Unemployability Allowance
- Attendance Allowance or Constant Attendance Allowance
- Higher or Middle Rate of the care component of a Disability Living Allowance
- Disability Working Allowance
- An increase in the rate of Disablement Pension
- Income Support where the applicable amount includes a Disability Premium.
- He/she is confirmed as being Severely Mentally Impaired by a registered medical practitioner.
What if this person doesn't get benefits?
Please contact the Department for Work and Pensions (DWP) who will be able to advise on which benefits you could be entitled to.
How to apply
Fill in our online discount form below.
How long does the discount last?
For as long as there are less than two adults in the property who are not disregarded. If there is any change in circumstances then you must notify us. Failure to do so may result in a penalty being imposed.


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|Entrance - Dublin National Botanic Garden
I was attracted to the location based on the history. The first glass houses were built in the 1700's - then expanded as unusual plants from around the world started to make their way to Ireland. Between 1840 - 1860 the major glass display houses were created. This is the same time as conservatories were springing up in Chicago. It was so nice to see the similarities and differences. Oh the Victorian / Edwardian times when strolling in Greenhouses was the best day out, and when great strides were made in understanding the plant kingdom.
|Dublin National Botanic Garden
A very interesting role of this garden was the assessment of exotic trees to the Ireland environment. Strolling the grounds these old trees look simultaneously majestic and out of place. Many of these are planted in groves - so you can see several different species of Oak tree, Larch, Holly and others side by side.
Here's a quick review of garden overall - in addition I have some specific posts for the Rose Garden and an outdoor Dahlia display at the Dublin National Botanic Garden.
All photos taken in the spring of 2015. Also see my other reviews of Ireland sites and adventures.


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- Problem Definition
Emerald AACE 2017 was established during 5 days face to face class with two main targets: (1) pass AACE/PMP/GPC Certification exam at first attempt and (2) gain Return of Training Investment (RoTI). After face to face class, team will do distance learning mode (DLM) for 180 days. The first assignment of DLM is to assess the team development stage using Tuckman Model. From there we can analyze what leadership style can be effectively implemented.
- Develop the Feasible Alternative
In 1965, Tuckman published his Forming Storming Norming Performing model and completed with the fifth stage, Adjourning in 1970s. This model explains that as the team develops maturity and ability, relationships establish, and the leader changes leadership style from Directing (Telling), Coaching, Participative, and Delegating up to Directing (Concluding) [1].
Fig. 1 Tuckman's Team Development Model[1]
Illustration graph of Tuckman Model Group Development Stages is shown in the next figure[2]:
Fig 2. Tuckman Group Development Stages Model[2]
- Development of The Outcome for Alternative
To determine current Emerald AACE 2017 team stage, each individual in team fill the excel format of Tuckman Survey Scoring Template[3][4].
Table.1 – Individual responses from the Tuckman Survey Scoring Template.
- Selection Criteria
Based on the above individual's response, PERT analysis was performed to identify team behavior at P70 because there are differences in team perception.
Table 2. P70 Delphi Technique Result
- Analysis & Comparison of Alternative
Based on Table 2, we can conclude team is in Performing stage (indicated by the rank). The team has successful performance, flexible, task roles and helpfulness each other. Style of leadership this stage is "DELEGATING" mode where some leadership is shared by the team.
- Selection of the Preferred Alternative
There is only a small difference score result between each phase, this indicates that team has no clear perception of the way your team operates. The team's performance is highly variable indicate from scattered highest point on each individual (see Table 1). It means the team phase is Storming. Leadership style that should be use is selling or consulting to guide team focus on objective, avoiding friction and emotional issues.
- Performance Monitoring and The Post Evaluation of Result
Team assessment should conduct periodically in two months ahead to capture team phase changing and select appropriate style of leadership, this evaluation can help the team to improve coordination and productivity.
- Tuckman, B. (1965). Tuckman's Team Developmental Model. Retrieved from http://www.focusadventure.com/team-building/gallery/tuckmans-team-developmental-model/
- Aurora (2013). Bruce Tuckman's Team Development Model. Retrieved from http://www.lfhe.ac.uk/download.cfm/docid/3C6230CF-61E8-4C5E-9A0C1C81DCDEDCA2
- Barkema and Moran. (2013). Scoring The Tuckman Team Maturity Questionnaire Electronically. Retrieved from http://www.phf.org/resourcestools/Documents/pdf
- Barkema and Moran. (2013). Tuckman Survey Scoring Template. Retrieved from http://www.phf.org/resourcestools/Documents/pdf
- D, Ricky. (2015). W1_RD_Leadership|GARUDA AACE 2015. Retrieved from https://garudaaace2015.wordpress.com/2015/03/03/w1_rd_leadership-style-analysis-by-using-tuckman-model/
- Yushadi, E. (2015). W1_EY_Leadership|GARUDA AACE 2015. Retrieved from https://garudaaace2015.wordpress.com/2015/03/03/w1_ey_leadership-style-analysis-by-using-tuckman-model/
- Laksono, Andhy. (2014). W1_AL_Tuckman|KRISTAL AACE 2014. Retrieved from https://kristalaace2014.wordpress.com/2014/02/26/w1_al_tuckman-analysis-assignment/
- Pariangan, Wilson R. (2014). W1_WRP_Tuckman|KRISTAL AACE 2014. Retrieved from https://garudaaace2015.wordpress.com/2015/03/02/w1_wrp_tuckman-analysis-assignment/


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Grievance Procedures
The purpose of this policy document is to articulate the procedures for hearing grievances arising in Social Welfare. It applies to persons having grievances with the departments in Social Welfare, Lawrence campus.
Grievance Procedures, School of Social Welfare »
"To start the grievance process, the complainant must submit a written complaint to the dean or chair of the Faculty Executive Committee."
Dean of the School of Social Welfare
Michelle Mohr Carney
Faculty Executive Committee:
Ed Canda – Chair
Juliana Carlson
Terri Friedline
Jason Matejkowski
Chris Petr


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Visit Tijuana, Mexico
Affordable Treatment
Quality Care at Low Prices
For patients struggling with obesity, bariatric surgery combined with diet and exercise can offer incredible results. We congratulate you on taking the first step towards reclaiming your health and living the life you deserve. At Tijuana Bariatrics, you have access to a preferred provider network of highly trained bariatric doctors and nutritionists, as well as dentists and plastic surgeons. By undergoing treatment in Tijuana, Mexico, you can receive care from trusted, board-certified, and experienced weight loss specialists at much more affordable prices than in the U.S. At Hospital CER, a bariatric surgery center in Tijuana, your surgeon has access to advanced technology and can provide safe, effective treatment at prices you can afford.*
Available Services
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Gastric sleeve surgery removes a large portion of the stomach to limit the amount of food that patients are able to consume.
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This minimally invasive technique can often allow for a quicker recovery and reduced scarring.
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This advanced procedure preserves healthy tissue by creating an internal fold within your stomach.
One of the most commonly performed bariatric procedures, gastric bypass divides the stomach into two pouches to limit food consumption.
Similar to gastric bypass surgery, this procedure modifies the stomach and creates a pouch that can hold less than a cup of food.
This revolutionary procedure can reduce the size of your stomach and restrict the number of calories your body absorbs.
Revision surgery can correct complications or in some cases, may be necessary to achieve or maintain satisfactory results.
The LAP-BAND system is designed to reduce your stomach's capacity. The band can easily be adjusted to maintain results.
"The surgical team does not simply perform bariatric surgery; they dramatically enhance our patients' quality of life."Tijuana Bariatrics
Resources For Our Patients
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By choosing Tijuana Bariatrics, you have access to high-quality, affordable treatment and luxury accommodations.
Patient Forms
Access the forms you need ahead of time to provide your surgeon with your medical history and other information.
Cost and Financing
All our surgery packages now include medical tourism insurance, as well as access to our nutritional counseling services.
Medical Tourism Insurance
Safe Medical Tourism
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The network of physicians coordinating with Tijuana Bariatrics performs surgical procedures at Hospital CER. This facility is equipped with tools and technology that meet the same rigorous standards as hospitals in the U.S. From the moment you arrive at San Diego International Airport, all of your needs will be accommodated. Your surgical package includes the use of a trusted and efficient chauffeur service, as well as several nights at a nearby Marriott Hotel. In addition, medical tourism insurance is now included in every surgery package at no extra charge. By choosing Tijuana Bariatrics, you can experience safe, high-quality care from a board-certified surgeon and enjoy the comfort of luxury accommodations near the beach in beautiful Tijuana.
Exceptionalism At Tijuana Bariatrics
What Sets Tijuana Bariatrics Apart?
By choosing Tijuana Bariatrics, patients not only have access to a team of board-certified doctors and highly educated medical staff. You will also benefit from continuous post-operative medical care in a private hospital room. A limited number of surgeries are performed at the bariatric hospital each day so patients can expect to receive dedicated, personalized care at affordable prices. All patient meals are included in your surgery package. You can also take advantage of continuous post-operative nutritional counseling and a private online support group to help you achieve your weight loss goals.*
Meet DR. FERNANDO GARCIA
Featured Patient
Before and After Photo Gallery
Many patients who chose to coordinate care through Tijuana Bariatrics have achieved and maintained dramatic, life-changing results.*
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Calculator What is Your BMI?
Weight Status: Overweight
Our network of doctors has performed thousands of successful bariatric surgeries, including on patients who are not considered for candidacy at other practices, whether due to an extremely high BMI (up to 80), revision surgery, or otherwise. They have received extensive and specialized training in obesity treatment, bariatrics, and laparoscopic procedures. Their exceptional technical skills in a number of modalities allow them to meet a wide array of patient needs.
Our Policies
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Reviews From our Patients
Jose Garcia
April 5, 2019
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Articles Authored by Tijuana Bariatrics
Gastric Bypass Requirements: Who Is an Ideal Candidate?
By Tijuana Bariatrics 12/4/19
Will I Have Excess Skin After Gastric Sleeve?
By Fernando Garcia 11/3/19
Following a Nutritious Diet after Mini Gastric Bypass
By Tijuana Bariatrics 10/3/19
Blockage After Gastric Bypass
By Tijuana Bariatrics 9/17/19
MessageOur Staff
"Dr. Garcia is awesome. I chose bariatrics vertical sleeve surgery. I've lost 85 lbs. since January 2017. No complications... I regret not doing this years ago." Debbie M.


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HERMOSA BEACH, CA. 90254 – 08-15-2018 (Press Release Jet) — Catalina Classic Paddleboard Race 2018
When: Sunday, August 26, 2018
Where: Start — Two Harbors, Catalina Island
Finish — Manhattan Beach Pier, Manhattan Beach
Start time: 6 a.m.
Finish time: Top finishers approximately 11 a.m
Last finishers approximately 2 p.m.
Photos: attached
Press contacts:
Buddy Bohn, 310 270-8957
Kevin Cody, (310) 944-1101,
Race Directors:
Francziska Steagall
Scott Rusher
Website: CatalinaClassicPaddleboardRace.org
Catalina Classic Paddleboard Race on
Aug. 26 is sport's oldest and longest
Los Angeles County Lifeguard Max First, of Manhattan Beach, is among the favorites to win this year's Catalina Classic Paddleboard Race, on Sunday, August 26. The 32-mile race from Two Harbors on Catalina Island to the Manhattan Beach pier is the sport's oldest and longest race.
First has won the Classic three of the past four years. Among his top challengers this year will be Jack Bark, of Palos Verdes, and Lachlan Lansdown, a Queensland, Australia, lifeguard. Bark and Lansdown have previously competed in the Classic in the stock division (paddleboards under 12 feet). This year they will compete in the unlimited division (paddleboards 16- to 19-feet). Bark won the Molokai 2 Oahu stock division race in 2012 and this past June won the Jay Moriarity Memorial Paddleboard Race stock division in Santa Cruz. Bark will compete for Team USA at the ISA World SUP and Paddleboard Championships in Denmark in September. Lansdown won the ISA Championship in the unlimited division last year and has won the Classic stock division the past two years. He set the Classic stock record in 2016 with a time of 5:38:55. Last month, he finished second in stock in the Molokai 2 Oahu race.
The top women in this year's Classic include D.J. O'Brien, of Manhattan Beach, who won the Classic in 2015, and Marisa Kuiken, of Carlsbad. Kuiken, a California State Lifeguard, finished second last month in the Molokai 2 Oahu Race coed relay.
The Catalina Classic Paddleboard Race starts at 6 a.m. Top paddlers are expected to finish the race in just over five hours. Former Los Angeles County Lifeguard Tim Gair holds the Catalina Classic record, set in 1999 in a time of five hours, two minute and 12 seconds. Finishing times vary significantly depending on the wind, current, swell and tide. Paddlers paddle prone or on their knees, using only their arms on narrow, carbon fiber or fiberglass boards.
Legendary big wave surfer Ricky Grigg won the inaugural Catalina Classic in 1955 in eight hours, 24 minutes and 17 seconds. Two other big wave legends competing that year were George Downing, who won the Makaha International big wave surf contest the previous year and Greg Noll, who pioneered surfing Waimea's big waves in 1957.
For more about the Catalina Classic Paddleboard Race visit CatalinaClassicPaddleboardRace.org.
Photo Captions:
Max First.jpg
Max First, a Los Angeles County Lifeguard from Manhattan Beach, has won the Catalina Classic Paddleboard Race three of the last four years. Photo by Chris Aguilar (FinFilmCompany.com)
Media Contacts:
Company Name: Easy Reader
Full Name: kevin cody
Phone: 3109441101
Email Address: Send Email
Website: CatalinaClassicPaddleboardRace.org
For the original news story, please visit https://pressreleasejet.com/news/worlds-top-paddlers-prepare-for-aug-26-catalina-classic-race-from-catalina-island-to-manhattan-beach.html.
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Bubba first tested positive for a peanut allergy at ten months old. She had never been exposed to or ingested peanuts and in fact still hasn't. Our house went peanut-free when she was still an infant and we have been diligent about her exposures to the 'outside world'. Our gym childcare is food-free, our preschool went nut-free for Bubba (and others), and we were always proactive about asking friends at parties to please keep nuts out of reach from Bubba's toddler hands. Keeping Bubba safe from peanuts was (relatively) easy when she was so small, but she starts Kindergarten in less than two months and a whole big world is about to open up for her: a classroom and cafeteria that will have nut products, potential playdates and Daisy meetings with unsupervised snacking, field trips and class parties. Of course I will still be involved in keeping her safe by educating others, checking ingredient labels, and providing her own food. The reality is she won't be as protected as she has been however. The reality is that I will have to rely on many other adults and Bubba herself in ways that I never have had to before.
I'm proud of the allergy education I have given Bubba. I've shown her foods in the grocery that aren't safe, pointed out different dishes at parties, compared candy bags so she can see how tricky it can be to know if something is safe just by its appearance. We've drilled into her "if we can't read it, we don't eat it" so that she knows ingredients have to be read, by an adult, every time. We've encouraged her to tell others about her allergies and to say "no thank you" when offered food. We have a plethora of children's books talking about food allergies so she can understand what happens to her body when she has an allergic reaction. Bubba knows to speak up quickly when her body feels funny or itchy. But Bubba is still LITTLE. Really, really little. Kids are curious and test boundaries and get confused and are so trusting of adults, who may or may not know what is best. As much as I'd like to think otherwise, Bubba is no smarter and no more mature than any other Kindergartener. For her safety, we'll have to make decisions about her ability to ride a bus (where kids sometimes secretly snack), whether she needs to sit at a peanut-free table in the cafeteria, whether she can participate in class parties and field trips without me present. Of course peanuts are just one of her many food allergies, but the prevalence of peanuts in children's food products and the prolific nature of peanut 'facility' warnings make peanuts a bigger concern for us.
So what if she weren't allergic?
A food allergy is defined by an allergic reaction upon ingesting a food – not by a positive skin prick or blood test. It's possible to test positive to an allergen, and yet safely eat the food. A food challenge, where the food is eaten under medical supervision in a controlled environment is the 'gold standard' of allergy testing. The decision to truly test an allergy in this way, is one made with great care and with the advice of allergists. Our decision to move forward with a peanut challenge was based on factors very specific to Bubba: (1) She has successfully passed many food challenges (six!) and we feel she is mature enough to be able to handle a potential failure, (2) Her IgE numbers have gone down over the years. Her most recent level was 1.85 which puts her at a Class II allergy, (3) I am comfortable and experienced in treating anaphylaxis after having given Bubba epinephrine numerous times, (4) our allergist's office is a five minute drive from the hospital, (5) we believe the potential benefits (increased freedom, reduced anxiety, additional safe foods) outweigh the risk.
So what are her chances? Well, unfortunately not 100%. One study of preschool children with positive peanut allergy tests but no previous peanut exposure found that 50% of those children could safely eat peanuts. The children most likely to pass had an IgE of less than 2 kU/L (like Bubba) and a wheal size of <7mm on a skin prick test. Only 5% of children who met both criteria failed the peanut challenge. Bubba's last wheal size was 13mm so I can't give her those kind of odds. But there's a chance and for us that offers us hope. Wish us luck…


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The TN Games Days held it's 9th convention from March 14th – 16th in Franklin, TN at the Cool Spring Marriott this last weekend and let me tell you it was a blast. It was my 5th time and first time as a sponsor at this board game convention and each year it gets bigger and better. This year it grew by about 80 attendees to reach 350 people total. The event run by Rick Kuehler, Bo Link and Russ Rupe (Conquest Gaming, LLC) was very well done as usual and is one of the events I most look forward to every year.
Starting at 8:00 am on Friday morning, the convention hosts events all three days including things like a flea market, math trade, 3D Battlestar Galactica (thank you Craig Herbert,) Crokinole tournament, Wits & Wagers tournament, designers showcase, a Tessen tournament, Conquest of the Empire, a charity auction plus tours of games for the attendees to participate in and register to win prizes throughout the convention.
The tours consisted of the following:
Quick Gaming Tour – Escape: the Curse of the Temple, Love Letter, For Sale, The Resistance and Snake Oil being the featured games.
Calendar Tour – Around the World in 80 Day, Kingsburg and Dungeon Lords.
Cult of the New Tour – Relic Runners, Space Sheep! and Parade.
The Constructables Tour – Steam Park, Wits & Wagers, Stecon: Infinity.
Netrunner: New Players Tour.
Personally I was able to teach two epic games of A Game of Thrones 2nd Ed., one was 4 hours, the other was seven hours (I love this game,) played Battlestar Galactica (humans lost at the last second,) Trajan, Nations, the brand new Marvel Legendary expansion: Paint the Town Red, Belfort, DC Deck Building Game twice and Spartacus: A Game of Blood and Treachery. Friday I left at 3am and Saturday at 4 am. It was fun!
One of the great things about TN Game Days is it feels very intimate. Even though there are tables full of people everywhere, it isn't to loud. You can hear the players, have plenty of space and you are close to everything you could need. The hotel is great, a bit pricey at $119 a night but it's worth it right? Every year, I meet new and amazing people who come from all over the US to attend the event. Although I only got a couple new games in this year, it was well worth it as getting the big games to the table is always hard.
Sponsors for the event were:
Game Surplus, Out of the Box Publishing, AEG, Conquest Gaming, LLC, Days of Wonder, Rio Grande Games, Roll The Dice, Bring Your A Game, Stronghold Games, Van Ryder Games, Let it Sew, Meeple Source, Z-Man Games and Club Fantasci.
Next years TN Game Days will be March 13th – 15th at the same location. Don't miss this! If you have any questions about attending in the future or sponsoring please email me or get a hold of TN Game Days here: www.tngamedays.com.
Game on!


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Lynchburg News & Advance.


text:
From Ottawa with Love
by Pierre
McLarena just came back from Ottawa after a few weeks, and the public's feedback is making us think about how we measure the impact of our work. Could the number of wedding proposals, friendlier police interactions or resiliency to unpleasant weather become new metrics to understand how a piece has been adopted by a community? Sometimes, a good public space means contributing to the local love affairs. ❤
We sure hope they said oui!


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Search News
IDB announces winner of the 2019 Superheroes of Development Award
September 16, 2019
The winning IDB-financed project developed a new solution to monitor public infrastructure works and to empower citizens to evaluate the use of public resources in Honduras. WASHINGTON D.C., September 12, 2019. The Inter-American Development Bank (IDB) announced the winner of the Superheroes of Development contest, an award given to executing agencies that have successfully implemented innovative solutions in projects financed by the IDB.
IDB launches Superheroes of Development contest to recognize executing agencies
March 04, 2019
In its second edition, the call for proposals will be open from March 4th to May 17th, 2019. The Superheroes of Development Award will recognize executing agencies of IDB-financed projects that have successfully addressed challenges during its implementation. The contest will identify eight finalists from across Latin America and the Caribbean who will travel to IDB's Headquarters in Washington, D.C. to present their solutions.
Multilateral banks reaffirm pledge to support resilient, sustainable infrastructure
October 13, 2018
IDB President Luis Alberto Moreno participates in the opening session BALI, Indonesia - The heads of the leading multilateral development banks (MDBs) meeting at the Global Infrastructure Forum 2018 (GI Forum) today expressed their condolences following the tragic loss of lives and livelihoods in Sulawesi, Indonesia and reaffirmed their commitment to work together to deliver infrastructure that is resilient, inclusive, and sustainable.
IDB launches report detailing steps to help avoid social conflicts
September 10, 2018
A new report by the Inter-American Development Bank (IDB) identifies ten key elements that can help projects improve their sustainability and reduce potential social conflicts, from proper community engagement and legal foundations to adequate monitoring of results.
IDB to join new Caribbean Climate-Smart Accelerator to facilitate $1bn of investments
August 09, 2018
Backed by 26 Caribbean governments and the private sector, the Accelerator will fast-track investments which support climate action and economic growth The Inter-American Development Bank announced today that it will partner with the Caribbean Climate-Smart Accelerator to program and implement the additional $1 billion in funds that it pledged for climate smart-investments across the Caribbean region at the Paris One Planet summit on December 12, 2017.
Better management of tight budgets could help Latin American and Caribbean governments to raise living standards - OECD/IDB
December 06, 2016
SANTIAGO, Chile – Governments in Latin America will need to improve public sector management and capacity – including budget allocation – to compensate for the pressure on public finances from sliding commodity prices, according to a new report by the OECD and Inter-American Development Bank covering more than 15 countries in the region.
Finance ministers discuss deeper regional integration to stimulate growth and development in LAC
October 05, 2016
Latin America and the Caribbean is urged to implement a bold integration agenda Finance ministers of the Americas and the Caribbean, and the heads of the Inter-American Development Bank, International Monetary Fund, the World Bank and the U.S. Department of Treasury met today at the IDB to discuss policy options for relaunching regional integration to stimulate growth and contribute to long-term development in the region.
Chile to improve and increase productive financing for MSMEs with IDB help
May 11, 2016
The Economic Development Agency will channel funds through non-banking financial intermediaries The Inter-American Development Bank (IDB) has approved a $120 million loan to help Chile improve and increase its supply of productive financing instruments for Micro, Small, and Medium-sized Enterprises (MSMEs). The lending is part of a package of measures recently announced by the Finance and Economy ministries aimed at boosting firm productivity.
MIF invests $5 million in Chilean renewable energy fund
September 06, 2011
Equity investment seeks to spark a new development model for the local venture capital industry around renewable energy The Multilateral Investment fund (MIF), of the IDB Group, will provide equity investment of up to $5 million in the Chilean Renovarum Renewable Energy Fund, a project that seeks to create a new development model for the local venture capital industry around low-carbon and climate-friendly technologies.
Report: weak dollar, inflation blunting purchasing power of remittances
March 14, 2011
After stabilizing in 2010, money transfers to Latin America and the Caribbean are poised to rise this year, according to the MIF Remittances to Latin America and the Caribbean are likely to rise this year after stabilizing during 2010, although a weaker dollar and higher inflation are reducing their purchasing power in many countries, according to the Inter-American Development Bank's Multilateral Investment Fund (MIF).


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Hidden Art
I have many books in my library about homemaking. It's a subject I love to read and research about. Over the next few weeks I want to go through Edith Schaeffer's book: The Hidden Art of Homemaking. I think I've read this book about three times now and am due for another round of it. I … [Read more…]


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Thursday, August 15, 2019 @ 5:30 p.m.
Join us for free beans, cornbread and watermelon. The bean and watermelon feeds will be held at Walter Johnson Park under the trees, at 5:30 p.m. Bring your lawn chairs!
The bean feed is sponsored by Phelp's Hog Heaven and the Watermelon Feed is sponsored by Community National Bank.


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Spoon-billed Sandpiper: Foraging
The common foraging behaviors of Spoon-billed Sandpipers on the breeding grounds differ significantly from their behaviors on the wintering grounds. Birds move more slowly and pick food items—invertebrates and small amounts of plant material—from the surface in a fashion similar to most other small sandpipers. In this segment, a mated pair forages along the edge of a snowmelt pond during the egg-laying period of their nesting cycle.
The Spoon-billed Sandpiper is one of the most critically endangered birds in the world. To learn more about the threats they face on breeding, migration, and wintering grounds, as well as efforts to save them, see our feature article from Living Bird magazine.


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1. Conception:
Normally, the shield itself will be branded as "608 Z" even though there is a shield on both sides of the bearing. This is for practicality in manufacturing. It is much more economical to produce all the shields stamped as "608 Z" than it would be to manufacture the exact same component with two different stampings on them.
"Z" is a designation which means a steel shield covering the one side of the bearing (for most brands). "ZZ"means that the bearing has a shield on both sides.
2. Condition:
New: A brand-new, unused, unopened, undamaged item in its original packaging (where packaging is applicable). Packaging should be the same as what is found in a retail store, unless the item is handmade or was packaged by the manufacturer in non-retail packaging, such as an unprinted box or plastic bag. See the seller's listing for full details.
3. Drawing and specification:
· Model NO.: Thin-wall bearings 6805 zz
· Bore Size: 3 - 120 Mm: Outside Diameter: 4 - 240 Mm
· Precision Rating: P0 P6 P5 P4: Seals Type: Open Zz Z 2RS RS
· Noise: Z1V1 Z2V2 Z3V3: Clearance: C0 C3
· Corner Color: Black , Grey, Natural: Zz Lid Color: White, Yellow
· Samples: Free: Size: 25*37*7mm
· Specification: ROHS, SGS, ISO9001
· Structure: Deep Groove: Type: Ball
· Model: Bearings 6805 Zz: Brand Name: Rhr/OEM
· Number of Row: Single Row: Material: Gcr15 or Carbon Steel
· Certificate: SGS & RoHS: Standard: ISO9001
· Plastic Seal Color: Black, Blue, Brown,: Quality Standard: Abec-1, Abec-3, Abec-5, Abec-7
· Trademark: RHR/OEM
· Origin: zibo, China (Mainland)
4. Product advantage:
1). Low friction resistance, low power consumption, higher mechanical efficiency and light start
2). International standard, good interchangeability, convenient for installation and disassembly, and convenient for maintenance.
3). Compact structure, light weight, reduced axial size and longer life.
4). High precision, high speed, low wear and service life increased by 3 times.
5). Can bear combined radial and thrust loads simultaneously;
6). In a large load-velocity range, the unique design can achieve excellent performance;
7). Bearing performance is relatively insensitive to fluctuation of load, speed and running speed.
5. Use field:
Main applications: material handling machinery, crushing machinery agricultural machinery, mining machinery, textile machinery fluid machinery, bionic machinery casting equipment, power equipment, lifting equipment, refrigeration equipment, separation equipment and molding and packaging equipment


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iRig Keys is the first range of ultra-slim and highly portable universal MIDI controller keyboards for iPhone, iPad, iPod touch, Android and Mac/PC. iRig Keys connects directly to your iOS device via the included Lightning connector, to your Android device via the supplied OTG to Micro-USB cable and to your Mac/PC via the supplied USB cable. It can also connect to older iOS devices via an optional 30-pin cable.
iRig Keys is a 37 mini key MIDI Keyboard iRig Keys Pro offers 37 full size keys iRig Keys Mini offers 25 mini keys
Key Features
iOS: Compatible with iPhone 6 Plus, iPhone 6, iPhone 5s, iPhone 5c, iPhone 5, iPhone 4s*, iPhone 4*, iPhone 3GS*, iPod touch (3rd*, 4th* and 5th generation), iPad Air 2, iPad mini 3, iPad Air, iPad mini 2, iPad 4th generation, iPad mini, iPad 3rd generation*, iPad 2*, iPad*. iOS 4.3 or later required. Also compatible with iPhone 7 Plus**, iPhone 7**, iPhone SE, iPhone 6s Plus, iPhone 6s, iPod touch 6th generation, iPad Pro (9.7-inch), iPad Pro (12.9-inch), iPad mini 4.
Android: Compatible with any device running Android 5.0 or later and Samsung Professional Audio devices.
Mac®: Mac OS X 10.6 or later.


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New York Times
By WILLIAM GRIMES
Published: December 26, 2003
"Astoria, Queens, has never lacked for Greek restaurants. It has plenty of Italian ones, too. This neighborhood even has a Bohemian beer hall, and with the arrival of GoWasabi on 30th Avenue, it finally has a forward-looking Japanese restaurant…"
New York Times
The New Ingredient in Astoria's Kitchen? Style
By MATT LEE AND TED LEE
Published: November 3, 2004
"The spotless, modern interiors of Go Wasabi, two Japanese-Korean restaurants that opened in Astoria this year, evoked the sushi chainlets of the West Side and the East Village. Like those restaurants, Go Wasabi serves workaday maki and excellent innovations like the Red Hot, an "inside-out" roll made with spicy tuna tartare, avocado and cucumber strips, with a sprinkling of crunchy tempura flakes on top"
Customer Reviews


text: Murray, Morin & Herman is proud to announce it participation again this year in the Sun 'n Fun International Fly-In Expo at the Lakeland Linder Regional Airport in Lakeland, Florida. Sun 'n Fun offers one of the world's premier events for recreational aviation enthusiasts. Whether you are actively involved in aviation or simply an aviation enthusiast, Sun 'n Fun has an activity for every interest. The event's focus is on education with more than 250 educational forums, seminars and "hands-on" workshops, plus commercial exhibitors who offer aviation products and services. Along with daily air shows, airplanes of all shapes and sizes will be on display throughout the week. Murray, Morin & Herman, P.A. will be hosting a catered event for clients and guests from around the globe.


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LinkedIn For Small Business
Enterprise relationship necessities underneath the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and associated Rules are relevant to reporting entities of all sectors. Always go into relationships with an open thoughts, sensible expectations and by no means assume. However, if in case you have constructed nice rapport with others, they could help lend you the cash it's worthwhile to get what you are promoting off the ground. In the best B2B relationships we have studied, the supplier is aware of the shopper's enterprise and each side take possibilities on new ideas, offer transparency and take an extended-time period view.
Our business community must be a certified, selective group of individuals we count on, tap into and rely on for assist, path and insight. Are they trustworthy, form, knowledgeable, useful? Going above and past with out being advised to because the individual genuinely cares about the relationship or the products/services that they characterize.
Years in the past, when he was within the company's sales division, he was a part of a team that met with the founder and chief of a significant retailer. For those who mess up, fess up about it. Folks understand that errors are made, …


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Saturday, December 10, 2016
Tectonic Fantasy, Part Two: The Obelisk Gate by N. K. Jemisin
The Obelisk Gate is a sequel as complex and interesting as its predecessor, the Hugo-winning The Fifth Season.
First, the relatively minor issues. There's a bit of second-book-in-a-trilogy syndrome here. That new universe smell has worn off to some extent. The pace is a bit slow for much of the first half of the book. As with the first book, occasionally all that complexity and subtlety made it difficult to follow.
Despite these issues, there's a lot to love about this book on account of the world building, characters, and all-too-timely expansion of the social themes of the first book.
This world continues to be really cool. I love the Stillness, the sarcastically-named, highly tectonically active continent that provides the setting. The apocalypse that began in the first book has gotten worse. This "Fifth Season" threatens to be much, much worse than others, maybe an extinction level event. Essun and friends end up living in an underground geode for shelter from the beautifully-written terror of ash falling from the sky and general environmental mayhem. Things for humans have gotten a lot worse, creating the fantasy version of post-apocaylptic dystopia. Communities go into stark survival mode as old institutions die out. The plants and animals even get nastier as they adapt to their new environment. There are some particularly nasty bugs that play an important part in the story. The orogeny system from the first book is further explained and expanded in an interesting, if confusing, way (as more of a science fiction fan I'm always confused when fantasy authors get too deep into their magic system, so take my confusion with a grain of salt). There are other really cool big developments with the world, but I don't want to spoil them.
The two main characters of this book are Essun (one of the main characters from book one) and her daughter Nassun (who is on the run elsewhere). They're both complex characters whose bad assery is mixed with plenty of emotional nuance. There's also Alabaster, a surprise character who gets a lot of time, a few of the minor characters from book one (my favorite is Tonkee), and some new characters.
One of the strengths of the series continues to be its diversity: we meet humans of all shapes, sizes, colors, sexualities, and so forth. Women are full human beings who are often in charge. (See here for why I think diversity is a good thing for science fiction and fantasy). It's refreshing to read a fantasy epic that's not about a young white man saving the day in a vaguely medieval European setting. Jemisin continues to show that fantasy can do more than re-hash Tolkien without Tolkien's genius, thus side-stepping my typical complaint about the fantasy genre.
The Philosophy Report
As I noted in my review of the first book, one of the major themes of that book was the complexity of living in an unjust society that might simultaneously benefit and oppress the individuals within it. This theme gets an interesting complication in the second book as the institutions from the first book have dissolved, leaving the characters to find their ways in new social dynamics that nonetheless carry the scars of past injustices.
The biggest example is the continuing prejudice against the orogenes (or "roggas" in the derogatory parlance). Although the apocalypse has erased the old social structures that both privileged and controlled the orogenes, the bigotry against them still remains, often dangerously so. At one point the rights of the orogenes to exist within a community are put to a vote and ... well, I'm trying to keep this spoiler free, but it raises one of the major issues in theories of democracy: the tyranny of the majority. Majority-rule democracy may be a good thing, but what if it's used to persecute hated minorities?
I'm just going to come out and say that reading The Obelisk Gate a few weeks after the election of Donald Trump here in the US and amid the general resurgence of blatant bigotry around the world in recent years made these themes cut a bit deeper. Quite frankly, the more I think about this book the more I find it unsettling and disturbingly relevant. This is not escapist fantasy. Far from it.
Both our world and the world of The Broken Earth series face similar exigent issues. How can we live together when some segments of the population hate and fear others, when old bigotries are unleashed in new forms like the so-called "alt-right" or Rabid Puppies, an example all too familiar to Jemisin herself? Can we learn to embrace the diversity of humanity that has been with us all along, or will the tribalisms and injustices of the past reassert their dominance? How will we survive the stark possibilities of our own impending climate apocalypse?
I don't know how to answer these questions. Reading this book won't answer them, either. But if there are answers to these questions - and that's a big if - facing them squarely and thinking clearly and creatively will be essential. And there Jemisin may have something for us.
Rating: 90/100
See also my Goodreads review, which precipitated an interesting discussion on the political elements of the book with the author of the excellent blog, Weighing a Pig Doesn't Fatten It.
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Designing An Instrumental Extension with Networking Technology and PD~ (part 1)
My background and training is primarily in classical music performance and composition. I have recently began studying networking in order to develop a career that would help supplement my artistic passions. When I was doctoral candidate I had the opportunity to be a part of a laptop orchestra. That experience peaked my interest in networking especially in conjunction with Pure Data (an open source visual programming language).
Since I began studying for CCENT/CCNA examinations I have been thinking of ways to combine PD's networking capabilities to compose or create an extension of my instrument. Because Pure Data is probably almost limitless in its capabilities, I thought it would be smart to start with the basics of what can be done.
PD has tcp/udp objects that allows one to send or receive data to a network endpoint. It does this by designating an IP address and port in the PD patch. Before we delve in to creating a patch I thought it would be good to understand how ports work as well as the basics of transmission control (TCP) and user datagram (UDP) protocols.
TCP allows two hosts to establish a connection in order to send or receive data. The big difference between TCP and UDP is that UDP does not segment data or provide sequencing of packets. This means that if some data is lost that it will not be recovered. I have not tested it out, but I am imagining that UDP would be a better protocol for the purposes of live performance. If part of the data is lost in TCP we would possibly have more lag time in the performance because it would attempt to recover lost data.
When data is sent through these protocols the IPv4 header has certain fields that will point the data to a designated port. The data is processed by the host and eventually manifests itself in a designated program.
In the next post I will begin discussing hardware and begin to conceptualize what this extension or composition will eventually become.
Keith Miller


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Are you one of the many who have put off Estate Planning because you don't have the time, or think you can't afford to have legal documents prepared? If you die before you have made arrangements as to how you want your property and assets distributed, or if you become incapacitated or ill before you designate who your preferred health care agent or business agent should be, it may be the State of Florida, who ends up making these decisions for you.
Don't put off for another day the future protection and safeguarding of your personal and real property. Don't wait until it is too late to name the person you want to make health care decisions for you. Don't be without an agent to conduct business on your behalf. Don't Delay.
Make the call or send the email to schedule a consult with an Estate Planning Attorney. You will soon learn how simple and stress-free estate planning can be. It will be the best item you have ever crossed of your "To Do List".
Estate Planning is a fancy term for FUTURE PLANNING.
Estate Planning is:
– Planning your future in life and death;
– Planning for future health issues;
– Planning for future financial matters; and
– Distribution of your property upon your death.
Last Will and Testament: A Will is a legal document that disposes of a person's belongings after death. A will allows you to decide who inherits from you. You can leave money or property to your family, friends, or charities of your choice. If you have minor children, you name a guardian for them in your Will. Make it easy on those left behind by providing clear directions as to how you want your property distributed.
Trust: A trust is a document created by you to manage your assets during your lifetime and to either distribute the remaining assets after your death or to have a successor trustee continue to manage your property for the benefit of others. Several types of trusts can be designed to protect the interests of you and your loved ones. Having a trust allows you to avoid the probate process, and is less likely to be successfully challenged by others.
Advance Directives: Advance directives are legal documents which allow you to put in writing your wishes concerning any aspect of your health care, including the following:
Living Will: A living will is a document that allows you to make the decision as to what life prolonging (death delaying) measures you wish in the event that you have a terminal condition, an injury or condition resulting in an end-stage condition, or are in a persistent vegetative state. It can also dictate the type of pain management you wish to receive
Designation of Health Care Surrogate: This document allows someone you select to make health care decisions for you in the event that you are physically or mentally incapable of making those decisions for yourself. This person will typically have broad decision making authority to act in the best interest of the principal, including the authority to implement any Living Will wishes you have in place.
Declaration Naming Preneed Guardian: A preeneed guardian is a person named in a written declaration to serve as your guardian in the event of your future incapacity. Parents may also nominate a preneed guardian for their minor children in the event of their incapacity or death.
Durable Power of Attorney for Finances: This legal document authorizes an individual named by you ("agent") to act on your behalf in financial matters, including buying and selling real estate, engaging in banking transactions, entering into contracts, investing, creating and revoking trusts, executing necessary tax returns and doing anything that you can do regarding your estate, property and business affairs.
Contact Estate Planning Attorney Patricia H. Davis, at 904.614-3670 or email@example.com to learn more about how these legal documents will protect you and your family.www.essay-online.com


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The latest Republican healthcare plan to repeal Obamacare appears to be almost dead on arrival.
And there may be a good reason for that.
Nobody in the health industry likes it.
"This bill is as bad as or worse than the others," Leni Preston, president of Consumer Health First, told Healthline.
The Cassidy-Graham bill, as it's known, basically would give power to the states to form their own healthcare systems.
In addition, it would reduce Medicaid funding across the nation and provide the money as block grants to states to do with what they wish.
It would also redistribute some of the funds, mostly from states that expanded their Medicaid programs to those that didn't.
The bill would take effect in 2020. The block grant funding for Medicaid would expire in 2027.
A vote on the legislation is expected this week in the Senate.
The Senate Finance Committee will hold a hearing today on the bill.
Tomorrow, the Senate Homeland Security and Government Affairs Committee is also scheduled to hold a hearing.
CNN is also hosting a town hall tonight featuring Sen. Lindsay Graham (R-South Carolina) and Sen. Bill Cassidy (R-Louisiana), the bill's co-authors, as well as Sen. Bernie Sanders (I-Vermont) and Sen. Amy Klobuchar (D-Minnesota).
The bill must be approved before Saturday or Republicans lose the opportunity to approve the plan on a simple majority of 51 votes.
After that date, the bill can face a filibuster and could need 60 votes to pass.
Healthcare industry opposition
Although many Republican politicians still support the bill, it's tough to find any group in the healthcare profession who will back it.
The past week, America's Health Insurance Plans (AHIP) came out against it.
In a letter to the Senate, AHIP President Marilyn B. Tavenner listed six principles her organization feels a new healthcare bill should meet.
"The Graham-Cassidy-Heller-Johnson proposal fails to meet these guiding principles and would have real consequences on consumers and patients," she wrote.
Officials at the Blue Cross Blue Shield Association were also critical.
In a statement, the association said:
"Although we support providing states with greater flexibility in shaping healthcare options for their residents, we share the significant concerns of many healthcare organizations about the proposed Graham-Cassidy bill."
The American Hospital Association (AHA) also weighed in, listing several reasons why it opposes the bill.
"We believe that coverage could be at risk for tens of millions of Americans under the Graham-Cassidy proposal," AHA President Rick Pollack said in a statement. "We continue to urge senators to work in a bipartisan manner to address the challenges facing our healthcare system."
The American Medical Association (AMA) also joined in the chorus of criticism.
"Similar to proposals that were considered in the Senate in July, we believe the Graham-Cassidy Amendment would result in millions of Americans losing their health insurance coverage, destabilize health insurance markets, and decrease access to affordable coverage and care," said AMA Chief Executive Officer Dr. James L. Madara in a statement.
The American Academy of Pediatrics (AAP) had similar concerns.
"As a pediatrician, I am fearful for my patients and the uncertain future they would face under [the Cassidy-Graham] healthcare proposal," said AAP President Dr. Fernando Stein in a statement. "I must speak out against this dangerous, ill-conceived policy on behalf of our 66,000 pediatrician, pediatric surgical specialist and pediatric medical subspecialist members, and stop it from advancing."
These organizations are joined by dozens of consumer groups and other health-related organizations in opposition to the legislation.
In addition, the public doesn't seem enamored by the latest Republican attempt to repeal the Affordable Care Act (ACA).
A survey released last week by Public Policy Polling stated that 50 percent of those questioned opposed the Cassidy-Graham bill while 24 percent supported it.
The poll also reported that 54 percent approve of the ACA while 38 percent disapprove.
A new Washington Post/ABC News poll showed that 56 percent of Americans prefer Obamacare to the latest GOP healthcare reform plan.
So, what specifically is so bad about the Cassidy-Graham bill?
Power to the states
The bill would eliminate the "individual mandate" requirement where people who don't buy health insurance face a penalty on their income tax returns.
It also eliminates the "employer mandate" that requires larger companies to offer affordable insurance coverage to their employees.
The main provision, though, is giving states the power to craft their own healthcare systems.
Through a waiver process, states could keep or even add provisions to the ACA structure. States such as California could move toward a single-payer system.
States could also decide to drop certain ACA requirements.
That includes the provision that prevents insurance companies from denying coverage to people with preexisting conditions.
It also includes provisions that allow children to stay on their parents' health insurance until age 26 as well as allowing insurance companies to create expensive high-risk pools or charge enrollees extra for a lapse in coverage.
In theory, a state could eliminate all of these ACA protections.
And that doesn't sit well with a lot of healthcare professionals.
"The waivers are very broad," Chris Sloan, a senior manager at Avalere health consulting firm, told Healthline. "You could have vast differences from state to state."
In fact, Sloan notes, you could end up with 50 different plans in each of the 50 states.
Sloan said such a setup might discourage large, nationwide insurers from participating in regional or state marketplaces. They might just decide to provide only employer-backed health insurance.
California Congressman Eric Swalwell (D-Dublin), who has been one of the more vocal critics of Cassidy-Graham, said such a situation would be "chaotic."
"You need national standards," Swalwell told Healthline. "This would actually be worse than chaos. It would also be costly."
Sloan said the legislation does give states some leeway in setting up plans, although he can't find much else positive.
"States would enjoy the flexibility. I can see some states doing some innovative things," he said.
The Citizens' Council for Health Freedom (CCHF) is in firm opposition to Obamacare. They want the federal government out of the healthcare business.
One of their primary recommendations is to give states the authority over their health systems.
But even this group opposes the Cassidy-Graham bill.
Twila Brase, the CCHF's president and co-founder, said the Cassidy-Graham is "on the right track," but there are too many "strings attached" to its provisions and it still keeps the federal government in the healthcare system.
"It doesn't do what Republicans promised they would do," she told Healthline. "It's just a Republican version of the ACA."
Medicaid funds
The Cassidy-Graham bill would reduce federal health funds over the next decade from the current projected $489 billion to $215 billion, according to a report issued last week by Avalere.
In addition, the report says that 34 states and Washington, D.C., would experience funding cuts while 16 states would see funding increases.
Sloan said this would be accomplished by changing the formula for distributing these funds.
For starters, the Medicaid money would be part of the overall block grants given to states to spend on health programs.
In addition, he said, part of the money would be based on how many low-income residents a state has instead of how many low-income residents are being served in health programs.
This system, Sloan said, would provide additional money for states that didn't expand their Medicaid programs under the ACA and less money for states that did.
Supporters of the bill say the funding reductions would force states to be more efficient with their healthcare dollars.
However, Preston of Consumer Health First isn't buying it.
"It punishes states like Maryland that provided for its residents," she said.
Swalwell sees the same problem.
"It rewards states for not taking care of the poorest of their citizens," he said.
Sloan adds that the overall cut in Medicaid funding will create other problems.
"It will be challenging for states to cover as many people," he said. "You can only stretch a dollar so far in healthcare."
He said people who are just under the level to qualify for Medicaid might see that coverage go away.
"That person is going to be at risk of not having that money," Sloan said.
These issues led all 50 Medicaid state directors to come out in opposition to Cassidy-Graham last week.
The votes don't seem to be there
These and other problems are continuing to erode support for the Republican proposal.
Graham and Cassidy defended their plan on "ABC This Week" on Sunday.
They said they would "push ahead" with a vote this week.
Graham's office didn't respond to a Healthline request for an interview for this story.
The vast majority of Republicans in Congress still support the bill.
So does President Donald Trump.
This past week, the president said any GOP senator who votes against the Cassidy-Graham bill will be known as "the Republican who saved Obamacare."
Nonetheless, Republicans need every vote they can get.
All 47 Democrats as well as the Independent Sanders are opposed to bill. That means if even three Republicans vote "no" the bill will lose.
So far, Sen. Rand Paul (R-Kentucky) and Sen. John McCain (R-Arizona) have announced they will vote against the bill.
On Sunday, Sen. Ted Cruz (R-Texas) said at the moment Republicans "don't have my vote" for Cassidy-Graham.
On Monday afternoon, Sen. Susan Collins (R-Maine) announced she will vote "no" on the bill.
And Sen. Lisa Murkowski (R-Alaska) hasn't said yet whether she will vote in favor of the legislation.
In an effort to woo Murkowski, Republican Senate leaders have added a provision to the Cassidy-Graham bill that would exempt Alaska as well as Montana from Medicaid spending caps that would be imposed on other states.
However, even if Murkowski supports the bill, the Republicans are going to have to convince at least two other senators to switch from "nay" to "aye."