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Adding a Pond to your Garden
Water is required by all forms of life, so one of the best ways to quickly promote activity in your garden is to build a pond. There are many benefits to having one, on both the environmental and aesthetic sides. Let's look at some of them:
A pond brings an entirely new dimension to the types of plant and animal life that will want to live in your garden. It provides both a sanctuary and a breeding ground for beautiful fish, dragonflies, amphibians and birds. As custodian, you will reap the benefits by being able to observe the interesting life cycles and behaviour patterns of creatures, and the colours and shapes of new plant species.
Ponds are relaxing! It has long been known that the presence of water helps reduce stress and bring a sense of calm to any environment. They also make gardens cooler in summertime, so are most welcome in the warmest months.
As you lounge in your garden in a summer's day, the gentle splashes of water from fish and frogs will relax your nerves as you gaze upon the subtle ripples and reflections. Children will love them too and spend hours amusing themselves, looking into the pond to try and spot creatures, while you take a well-earned break from their demands.
Wildlife Attraction
Ponds promote a much broader ecosystem around them. The diversity leads to a healthier garden that seems more alive, and the wildlife they attract is worth much more than its aesthetic value alone.
Birds and insects will come to drink and bathe, and while they are there they will eat. Of course, the most important thing for vegetable gardeners is that ponds provide a home for beneficial predators like frogs, toads, and newts, which kill slugs, aphids and other pests.
Ponds are also low-maintenance, so building one and keeping an army of frogs is like having your own team of workers for free. If you are lucky you might even occasionally find a heron or a snake stopping off on their travels, unfortunately they might take a frog or two, but what a sight!
Moisture Retention
The presence of a pond keeps nearby plants moist in hot weather. As the pond is heated by the sun, water vapour rises and settles on leaves and soil, so the pond acts like a built in mist-sprayer for your garden.
This humidity also helps maintain soil moisture during the driest months and promotes a less arid garden overall.
Green Fertilizer Source
A pond can be a great source of natural organic fertilizer because the algae and organic matter that collects in there is excellent plant food.
You can dredge the bottom occasionally and use the pond sludge as a fantastic mulch, and to make use of the nutrient-rich water, simply in dip your watering can in every so often being careful not to suck up any creatures.
How to Build a Simple Garden Pond
Let's consider the construction of a very simple garden pond, large enough for frogs, but cheap and basic enough for anyone to afford and create. If you want a more extravagant pond, then simply adapt this idea to your own requirements.
The best time to build ponds is late summer/autumn so that they can establish through the winter. You will need a spade, some PVC pond liner, some large rocks, sand, and gravel.
Choose Your Spot
First, find a place to put your pond. This is entirely up to you and should suit the style of your garden. Don't build a pond that is too large or small for your garden, plan it so it will look proportionate. You may wish to have it in a corner out of the way, or you may like it as the centrepiece to your garden. That is up to you too, however, it is best if the pond gets a decent amount of light and is away from trees, because the leaves can fall in and turn the water acidic.
Mark your pond shape on the ground with some ground spray. The pond shape and size is also up to you, but a 3' (1 m) by 3' (1 m) square is a good place to start for a small pond.
Dig a Hole
Start digging out the pond shape and mounding up the earth. It will be hard work but worth it, so just put your back into it and don't complain, that's the way now!
Dig the pond as deep as you like it, but 2' (60 cm) is the correct depth for goldfish, so that is a good rule of thumb. Over 3' (90 cm) is getting a little too deep.
You can dig the entire thing to 2' if you like, or you can vary the depth. For example, you might want a deeper drop at one end, or you may wish the depth to be evenly slanted from one end to another. It is again down to personal taste, but design a home you think pond creatures would like. Also be aware of the drowning risk if you have very small children.
Cut Your Pond Liner
With your hole dug, you need cut your PVC pond liner to shape. Throw the liner over the hole so it is completely covered. Now push it down and stand on it so that the PVC liner is pulled down around and neat to the sides of your hole. Now put a few rocks there to keep it in place while you jump back out and put rocks around the edges to hold it there too. Finally, you can cut around the PVC liner with a pair of scissors. Make sure you leave at least a 1' (30 cm) excess of PVC around the hole.
Camouflage Your Pond
So now you have your basic pond, it is time to blend it into the environment.
Get back in the pond and take out the rocks from the bottom. Now shovel back in some of the soil you got from digging the hole, or alternatively use some sand. Not too much, or it can make the water acidic. Add just enough to cover the bottom with a fine layer. This will provide some substrate for pond life to hide in and lay their larvae.
Now start adding some gravel to the bottom of the pond, followed by pebbles and then some large rocks. Don't add too much stuff, leave plenty of space for water. But a few biggies here and there is good.
Some people advise against putting rocks and substrate in a pond at all, because it can turn the water too acidic. However, that does not really apply to frogs and other traditional pond life so long as you don't add too many. However, your prize koi carp will do better without.
It is excellent if you have a large rock that will peek out of the water because amphibious creatures love them. You should arrange it so that some of your rocks form at least one bank or staircase that creatures can use to get in and out of the pond. If you don't allow frogs to get out they will drown! But make sure the rocks will not topple over or move.
Once you have added rocks to the bottom, get out of the pond, go around the outside and remove the rocks from there. Then cover over the protruding PVC liner with soil or sand and start adding rocks back on top of it to hide the entire circumference of your pond. Try to get that unsightly PVC liner really covered up and your garden will look all the better for it.
If you want to plant any pond plants at the bottom of the pond before filling, then now is a good time to do it. Otherwise, you are done, and congratulations on building your pond!
Fill Your Pond
Now for the moment of truth. Get your hosepipe and fill it up.
If you have done everything correctly and assuming there are no holes in your PVC liner, your pond will stay filled without a hitch. If you have a leak, then unfortunately you will have to sort it out and that may mean taking up your PVC again.
When you fill the pond you will see that the water goes murky and cloudy. Don't worry, this is just because you disturbed the substrate. It needs time to settle, and when you come back in a day or two you will find it clear again.
You will need to leave the pond overwinter to establish before you can start putting any creatures in. At the very least give it enough time so that the chlorine can evaporate.
Adding Plants and Animals to your Pond
A lot of pond life will come automatically, but you might wait years for some creatures to show up, and sometimes they won't at all. So the impatient ones among us like to stock our ponds from items given to us by other gardeners.
Remember not to get carried away and overstock your pond! Just like any environment, a pond has limited resources and if you have too many plants and animals fighting for food and oxygen your pond will end up dying.
Let's look at some of the most common plants and animals you may want to introduce.
Water Lily
The water lily is perhaps the most famous of all pond plants. It has beautiful flowers and large pads which sit on the surface. The pads provide stepping stones for creatures such as frogs to jump on, and the plant is oxygenating, which means it prevents your pond going stagnant.
Water lilies should be planted at the deepest end of the pond. A depth of 2' (60 cm) is about the minimum to support them and they are quite large, so they may not be suitable for the smallest ponds. Water lilies grow from rhizomes you can get from aquatic garden centres. There are various types, so do some research and find the best ones for your pond.
You need to plant the rhizomes into aquatic water baskets and then lower them into the pond so that the plant's leaves sit on the surface. You won't be able to lower them to their full depth until they are fully grown. Instead, you need to start off at about 8" (20 cm) and then keep increasing the depth as the plant matures.
Hornwort is a submerged oxygenating plant that is very attractive to spawning creatures like frogs and toads. It is that evergreen-looking stuff they hide amongst, that you have probably seen as a kid when fishing in local ponds.
Hornwort needs to be planted in aquatic planters or at the bottom of your pond in the deepest areas. There are many varieties so make sure to select those that are suitable for your pond size.
Water Soldier
Water soldiers are attractive floating plants that winter at the bottom of the pond then float up to spend summer on the surface producing white flowers. They are propagated from cuttings which can be had from others with ponds, or bought at aquatic garden centres.
Marginal Plants
Marginal plants are those plants that grow in the shallows of your pond on the banks. There are literally thousands of different marginal plants to choose from and most are flowering species with spindly leaves and stems. They can be planted directly into the soil of your pond bank or into aquatic planters.
Marsh Marigold
This marigold is planted around the outside of the pond in boggy soil and produces clusters of bright yellow flowers that are highly attractive to insects. They are best propagated by division or bought from garden centres.
Frogs are probably the best creatures to get into your pond because they come out and take trips around your garden eating slugs and flies.
You might be lucky and have a pair of frogs come into your pond and spawn. But sometimes you can wait forever and no frogs come, even though you have plenty round about. This is because frogs seem to return to the ponds which they were born into, or which they have spawned in before. So it is often a good idea to get some spawn and put it in the pond.
The best way is to just ask someone you know who owns a pond for some spawn. Or, you can go and collect it from wild ponds or lakes in February/March. Despite the urban legend, it is not illegal to collect frogspawn from public land, it is just illegal to sell it.
You will find frogspawn around the edges of ponds and lakes. It is clumps of clear jelly with black dots in the centre. Just collect the spawn with a net and put it in a bucket with water, before releasing it back into your own pond.
But do not take loads of spawn, and if there is little to begin with don't take any. Just take what you need and let the wild frogs thrive. The amount you need will be very small, since one clump can contain about 1000 frogs. But don't take whole clumps either, break a little off different clumps. If you take the whole clump you are taking all the offspring of one frog pair and that is detrimental to the ecosystem.
When the spawn hatches into tadpoles you will need to dangle a piece of beef on a string into the pond to give them some food.
Toads live on dry land for most of the year but go into ponds to spawn. They are often slightly larger and more impressive than frogs but hibernate more. Like frogs, they are good creatures to have around because they will also attack pests.
Toadspawn is the same as frogspawn but rarer, and instead of coming in clumps it comes in long necklaces attached to plants. It is legal to collect toadspawn, unless it belongs to the natterjack toad which you should leave well alone.
Newts are amphibians that look much more like lizards, some have fiery-coloured bellies and are an impressive sight. They are great to have in the garden for the same reason as frogs and toads.
Newt eggs look similar to frog and toadspawn except they are laid more randomly, and usually on the underside of plant leaves. You are not allowed to collect the eggs of the great crested newt or handle him, so leave him be.
Pond Snails
These little hoovers perform the beneficial function of cleaning away rubbish and detritus from your pond. They are part of the ecosystem and are difficult to keep out of any pond, so you might as well learn to love them!
If you want to introduce them, then you can catch them from someone else's pond and transfer them to yours, you will find them at the edges sucking onto rocks.
Happy hunting!


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The number of students applying for study programs in Artificial Intelligence (AI), Data Science and Business Analytics is going through the roof. Some educational institutes have even received twice as many applications compared to last year. As a result, universities have instituted a limit on registrations, because they cannot deal with these huge numbers of new students. But at the same time, business demand for these data talents is increasing: IBM and Burning Glass Technologies expects the number to grow by 15% in the US by 2020. We have noticed the same trend from conversations with our clients and by taking a quick look at the number of job openings in the field of data science. Many companies are finding it virtually impossible to recruit data scientists externally, due to the limited supply and the resulting rising salaries. And the talent that is on the market is often stolen away by the many startups and born digital companies. Data science offers many lasting competitive advantages: A study conducted by the Harvard Business Review in 2012 shows that data-driven organizations are 5% more productive and 6% more profitable than their competition. Since then, technology has progressed substantially, so the impact today will be even greater. Waiting for the data science hype to die down is, evidently, not an option.
For many companies, the solution can be found much closer to home than would be expected. We are convinced that there is in fact plenty of talent walking around within companies. Talent with the potential to be re-trained as a data scientist or a related role (such as business/analytics translator, analyst or citizen data scientist). There are people that have a natural talent for quantitative challenges, but due to a variety of reasons haven't yet had an opportunity to utilize that talent. In order to take advantage of these internal opportunities, there are a wide variety of options for training the current workforce in the latest technologies and quantitative skills. These options include university programs (MBAs, elective courses), executive or professional training courses, software/tool-oriented training courses, online courses (MOOCs), in-house training, self-study, or on-the-job training. But which one do you choose? We believe in a mix of these forms of education framed in a broad program applicable to multiple layers in the organization (from C-level to analysts). That way, we ensure that the skills learned by an individual are fully embedded within the organization.
In addition to avoiding the challenges of external recruitment, training your current workforce offers the following benefits:
- In order for data scientists to conduct effective analyses, knowledge of the domain or market is a crucial skill to have. Their knowledge of the domain allows the organization to quickly recognize valuable opportunities related to data.
- The broad approach ensures that the 'simpler' analytics challenges can be solved on an ad-hoc basis by citizen data scientists (business managers and staff conducting the analyses on their own). This frees the expert/senior data scientist to focus on the more challenging and value-adding projects.
- The organization-wide approach ensures that the data-driven enthusiasm spreads more quickly throughout the organization. This creates a better pipeline of business questions for the data scientists to get started with.
- In addition to the benefits for the organization, there are also aspects that are advantageous to the individual as well. Developing skills gives employees more satisfaction in their work. We have even heard of examples of employees who have become so enthusiastic about data science, that they have devoted their weekends to experimenting with tools such as Python at home.
If you think that there are opportunities within your organization to re-train employees as data scientists, in order to optimally benefit from the opportunities presented by data science, then read about the experiences of other companies who have gone before you.


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America New York Ri Wang Food Group Co. has issued a recall for several of its seafood products due to undeclared milk, which could lead to life-threatening allergic reactions in certain consumers.
The Canadian Food Inspection Agency (CFIA) initally spotted the issue and reported it to the company, which immediately issued a voluntary recall.
The list of affected America New York Ri Wang products include all lot numbers of Fish Balls, Fried Pollock Balls, White Fish Balls, Pollock Fish Balls, Cuttlefish Balls, Imitation Lobster Balls, Fish Tofu, Fried Fish Tofu, Fish Tofu with Shrimp Filling, Fish Tofu with Shrimp, and Fish Balls with Custard and Fish Roe.
The products were sold frozen in New York, New Jersey, Massachusetts, Rhode Island, Pennsylvania, Maryland, and Illinois, but no illnesses have been reported to date in connection to the problem.
Consumers who have purchased any of the above products are urged to return them to the manufacturer for a refund. For more information, consumers can contact the company at 1-718-628-8999, Monday through Friday, from 9 a.m. to 5 p.m. EST.
Keep an eye on your inbox, the lastest consumer news is on it's way!


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Tacklebox UK just published their latest line test report. Should make for some interesting reading.
Snippet from Tacklebox.co.uk
Almost every line commonly used for carp fishing ...
has an under-rated breaking strain indicated on the spool or box. With a good knot, most lines will always break at a higher strain.
With no international guidelines for indicating breaking strain or diameter, manufacturers under-rate lines to different degrees. A line labelled 12lb by one company may consistently break around 20lb; a line labelled 12lb by a different company may regularly break at just 14lb.
To give a better idea of the specifications of lines we sell, we have tested breaking strains and diameters ourselves.
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Citizen Schools Information Session, JES A2105A, 6:00 pm - 7:00 pm
Tue, April 8, 2014 | JES A215A
Citizen Schools is currently hiring AmeriCorps National Teaching Fellows! Attend this information session and have the opportunity to speak with the current Teaching Fellowship Hiring Manager for Texas, North Carolina and California. Teaching Fellows serve as an educator, grow as a professional through a lead role ranging from data analysis to civic engagement, and serve the community as an AmeriCorps Member.
About Citizen Schools: Operating in 7 states nationwide, Citizen Schools works collaboratively with schools by connecting them with a second shift of educators: AmeriCorps service members and over 5,000 volunteer Citizen Teachers from community organizations, local businesses as well as major corporations like Google and Cognizant. Students benefit from mentorship and hands-on learning experiences that spark curiosity and illuminate the world of opportunity available through education. When you succeed as a Teaching Fellow, you'll see students who measurably increase their sense of self-efficacy and ability to advocate for themselves while also achieving significant proficiency gains in mathematics, reading, and writing. You can learn more about our results by clicking here.


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- Description
The Elkhart 100TR Bb 100 Series trumpet is a fantastic model for beginners who're looking to buy their first trumpet, as well as being a fantastic second trumpet for more experienced players. For such an affordable instrument, each part has been carefully crafted from the highest quality materials, to ensure that the playability of the 100TR is as smooth as possible. The valves are made using stainless steel, which not only makes the playing feel incredibly responsive, but also improves the lifespan of the instrument considerably. The rose brass lead pipe offers a fantastic response during performances. The adjustable 3rd slide ring enables extended range notes to be reached whilst maintaining correct tuning.
The 100TR Bb 100 Series trumpet is an excellent quality instrument that is suitable for players of any age or ability. Included with the trumpet is a mouthpiece and lightweight case. For those who're beginning their musical journey, this wonderful instrument is a great place to start.
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This week a discussion on the manipulated "free market" and if it will truly ever be free again. Central Bank "Buying" of Securities at $300 Billion Per Month!
06/14/2017 - McAlvany Podcast: Will The Free Market Ever Exist Again?
06/09/2017 - David Rosenberg: Thoughts On The Deflationary Headwinds Facing The US Economy, Federal Reserve Policy
"The big challenge is, if this [Boomers retiring] was happening 30 years ago, you could go to the government bond market and get 4, 5, 6%. You can't do that today."
"[Low Treasury yields] are why I don't think the dividend theme is overdone. The equity market has become a more reliable generator of the reoccurring cash flows that the Boomers need than the government bond market has."
06/07/2017 - Dr. Lacy Hunt: How Federal Reserve Monetary Policy Has Destabilized The Economy
Dr. Lacy Hunt's explains how Quantitative Easing has undermined economic growth and affected financial stability while increasing downside risk in asset markets.
06/05/2017 - Gordon T Long: Global Central Banks Won't Ever Decrease Balance Sheets?
Jason Burack of Wall St for Main St interviews Gordon T Long .. discussion on if Janet Yellen and the Federal Reserve can continue to raise interest rates? .. Gordon says that the Fed could possibly do 2 more 25 basis point interest rate increases in the near future before something in the real economy or markets breaks, but that the Federal Reserve and other major global central banks cannot ever reduce their balance sheets without collapsing markets and the real economy .. Gordon highlights how the ECB now has a balance sheet over $4 trillion and so does Japan's central bank, the Bank of Japan. Balance sheets for the PBOC and Bank of England are also massive .. Gordon thinks the Federal Reserve will have to start rapidly expanding its balance sheet in the near future rather than reducing their balance sheet .. Gordon also discusses shorting opportunities he is positioning his clients for.
06/01/2017 - Dr. Marc Faber: We Have A Bubble In Everything
"We have global debts as a percent of global GDP that is 30 to 40 percent higher than it was in 2007 .. All of us and I also own lots of assets, we're going to lose 50 percent. Either the government will to take it through taxation or expropriation or there'll be a deflation in asset prices that is surprising most people on the downside."
05/31/2017 - McAlvany Commentary: U.S. GDP Growth Is Matching The 1930s Depression Decade
This week's show:
-Normally Understated Gold Expert Jeff Christian Now Sees $1,900+ Gold Price
-Russian Ruse Being Played Politically In The U.S. To Distract From Real Issues
-U.S. GDP Growth 1.33% (10 Year Average) – Identical Match To The 1930s Depression Decade
05/30/2017 - Dr. Lacy Hunt: Indebtedness Cannot Be Solved By Taking On More Debt
Erik Townsend Interviews Dr. Lacy Hunt
Dr. Lacy Hunt: Dr. Hunt explains, the US debt load will continue to climb and velocity will continue to slow – unless, of couse, "we get lucky."
Hunt points to an excellent summary was published in 2010 by McKinsey Global Institute…
"They looked at 24 advanced economies that became extremely over-indebted. The indebtedness brought on a panic year, such as 1929, 1873, 2008, and they followed the process through to completion.
It's a very long process, and what it shows is that an indebtedness problem cannot be solved by taking on additional debt.
McKinsey says specifically that multi-year sustained rise in the savings rate, what they term austerity, is needed to solve the problem, and of course, as we all know, in modern democracies, that option doesn't seem to exist.
So, we try to continue to use what has failed, and while we get transitory improvement in economic activity, the longer-term trend is to weaker and weaker economic performance."
05/28/2017 - Chris Martenson: Non-U.S. Banks Are Being Paid By The U.S. Central Bank
"The Fed is now paying interest on so-called 'excess reserves' held at the Fed. Those 'excess reserves' include a huge chunk of money held there by foreign banks who are only too happy to receive 1% on their holdings from the Fed given that their own central banks are paying 0%, or even negative rates. The money that the Fed pays these foreign banks is deducted from the amount remitted to the US Treasury at the end of each fiscal year. It's this simple: foreign banks are being paid billions .. not one single person in the US got to vote for or approve of that action. Let me repeat that: billions and billions .. are being sent to boost the profits of foreign banks. And there's not a single thing a voting citizen can do about it .. The decision to do this has been made unilaterally by unelected people for reasons they are under no obligation to either share or even have audited by the public. I wonder if Detroit wouldn't mind getting several billion dollars to use however it wishes, courtesy of the Federal Reserve? Or the permaculture movement? Or jobs training programs?"
05/25/2017 - David Rosenberg: The Fourth Industrial Revolution Is Having A Profound Impact On Worker Anxiety
"The yield curve is flat enough that if the Fed raises rates four more times, that's all it takes. We probably will have a recession next year .. Politics, to me, unless it has a substantive impact on the earnings outlook or the economy, is just short-term noise .. What's happening in terms of artificial, robotic intelligence and the shared economy… Right now, we're going through the fourth Industrial Revolution, and it's having a profound impact on worker anxiety .. How is it that we have 23 million Americans between 25 and 54, in their prime working age, that are out of the labor force? .. There's some real structural things happening here that really transcend the need to cut taxes or what's happening in terms of immigration policy."
05/22/2017 - Russell Napier Fears The Dark Ages Of Government Allocating Resources And Capital To Run The Financial System
"The central banks try to manipulate markets to deliver growth, that's effectively what they do by manipulating the price of money. If it doesn't work, then what? Well, it's pretty straightforward. Well, people the demand the politicians do something, people demand political action. But political action for those people who invest in financial markets means in some way reducing the par of financial markets, reducing the par of price. And yeah, I've speak to a lot of people about this. People fear inflation, they fear deflation. I fear something much bigger than that, that the political reaction to this is effectively to go through one of those periods again, what we'll called 'dark ages', where we basically- the politicians can make it and then they run the financial system, or they begin to get directly involved with the allocation of resources and capital and credit and we go back into that, let's call it the 1950s, 1960s, certainly a in a European context, that type of world is a world that the population demands because they look at central banks and say 'well you haven't been able to do this using so-called market forces, so let us use non-market forces.' So, we're really dealing with something very existential, here, that this will be a shock to the face and the ability of the market to deliver, not only in the ability of central bankers, but in the ability of the market to deliver in a decided move towards intervention in markets."
Erik Townsend Interviews Russell Napier:
05/16/2017 - David Rosenberg: Investing Around The Latest Trump News? Don't
05/10/2017 - Yra Harris And Rick Santelli: Lessons From Japan & Implications Of France's Vote
"The global markets have been lulled into an eerie calm–think Minsky—as the recent Dutch and French elections have driven the anti-euro populists back underground. I caution that the economic situation still remains a very serious concern as President Draghi continues to build the ECB balance sheet in an effort to bail-out the fiscally weak states of Italy, Spain, Portugal, France and others. Italy is still a major concern as the non-performing loans plague its domestic banks. Add in that Italy has a debt-to-GDP ratio of 136% and it will take the entire EU to backstop the Italian financial system. I WARN ALL READERS THAT THE GLOBAL DEBT SITUATION IS FAR MORE PERILOUS THAN GLOBAL EQUITY MARKETS REFLECT .. The world's central banks have been busy adding liquidity to the financial system, which provides the backdrop for a Minsky Moment for complacency in the realm of ZIRP creates instability below the surface. We do not fight markets and therefore have not been sellers of equity markets by battling the power of central bank liquidity creation. But as geopolitics calm markets will return to focus on the fragile financial situation created by mountains of debt."
LINK HERE to Yra's related blog post
05/04/2017 - Kyle Bass: "All Hell Is About To Break Loose" In China
Danielle Park: "Advised and led by their US trained finance types, China has followed the same hide-your-debts-playbook that brought down Enron, Worldcom and global financial markets in 2001-03, as well as Bear Stearns, Lehman and global markets again in 2007-09. The difference this time is the unprecedented scope and scale: China is a whole country, the world's largest population and the second largest economy. The main benefactor of credit-fueled cash flows from the west over the past 15 years, China forgot that credit expansion is a finite cycle and spent like a drunken sailor throughout. Now it's left holding a leverage on leverage bomb of unprecedented proportions, with sketchy debts oozing out of every crack and crevice .. We should expect that the liquidity and solvency problems there will be felt though highly connected world markets. This is a necessary part of the great cleanse and reset so needed to reboot asset prices and the economy. So, long-run positive, but short to medium term dangerous for capital."
Kyle Bass: "Some of the longer-term assets aren't doing very well .. As soon as liabilities have problems – meaning the depositors decide to not roll their holdings – all hell breaks loose." .. The wealth management products, or WMPs, have swelled to $4 trillion in assets in the last few years, he says., on a $34 trillion banking system .. "Think about this – in the US, our asset-liability mismatch at the peak of our subprime greatness was around 2%! … China's mismatch is more than 10% of the system."
05/01/2017 - Former Federal Reserve Chairman Alan Greenspan: What Is Trump Going To Do When Inflation Hits
Greenspan thinks U.S. President Donald Trump has a math problem with his budget .. Greenspan says that interest rates will have to rise because of very large budget deficits if big programs are not cut .. Interest rates and inflation will go up right along with it.
04/28/2017 - David Rosenberg: The Bond Market Is Reacting To The Facts On The Ground
The stock market is at a critical juncture, and it may be time reduce risk, strategist David Rosenberg says .. He predicts economic growth will slow even more as the Federal Reserve resumes its tightening policy.
"The reckoning will be which market has the story right: Is it the stock market that is de facto pricing in double-digit earnings growth or is it the Treasury market with the 10-year yield at 2.3 percent? .. The bond market is really pricing in a completely different nominal GDP growth world .. The bond market is actually reacting to the facts on the ground. The facts on the ground are this: Year-over-year growth on a nominal GDP cycle already peaked at 4.9 percent. We have never before in the post-World War II period ever have seen year over year nominal GDP growth peak below 5 percent. That happened two years ago."
04/28/2017 - Dr. Albert Friedberg: Bullish On Risk Assets, Federal Reserve Will Only Shrink Its Balance Sheet When It Sees Accelerating Inflation
LINK HERE to the Quarterly Conference Call – MP3 Podcast
From the Quarterly Report
"In sum, we see a global expansion gathering strength and being liberally financed by politicians, politically influenced bankers and academics with little feel for reality. It is these academics who are now floating the idea of raising the inflation target to 4% from 2% on the pretext that it will be easier to achieve negative real rates without having to breach the zero-interestrate bound — the next time they are called on to save the world!
There is good reason to believe, then, that we are still early, that the bull is proceeding as it always has, confounding the great majority of experts, defying the well-armed but uncritical skeptics and taking its sweet time. So what is needed is patience (don't switch lanes — you will always regret it), blindness and deafness (to experts' concern about valuations, presumed political gridlock, Brexit, etc.) and discrimination (persist with active managers, for their time has come)."
LINK HERE to the latest Friedberg Quarterly Report
04/21/2017 - Alan Greenspan: Stagflation Is Here And Rising, "It's A Fiscal Issue"
Former Fed Alan Greenspan discusses U.S. entitlements growing 9% a year and that no one wants to attack that. On Stagnation he says we have a slow growth economy where you end up with inflation and slow growth just like the 70s.
04/21/2017 - Adam Andrzejewski: The Open-Government Movement – How Posting All Public Spending Online Can Transform U.S. Politics
"Sunlight is said to be the best of disinfectants; electric light the most efficient policeman," wrote Louis Brandeis in 1914. Today, the Freedom of Information Act and internet make it possible to post online all spending at the federal, state, and local levels. This kind of radical transparency can transform U.S. politics.
Since 2011, American Transparency, a nonprofit, has built and operated OpenTheBooks.com, the largest private repository of U.S. public-sector spending. The ultimate goal: post "every dime, online, in real time." To date, OpenTheBooks.com has captured 3.5 billion government-spending records, including nearly all disclosed federal government spending since 2000; 48 of 50 state checkbooks; and expenditures in 60,000 localities across America.
04/05/2017 - McAlvany Weekly: Central Bankers Cannot Create Perpetual Growth
Bullish Sentiment hits highest level on March 1st…So did the stock market. The repeating and painful Errors of Optimism. TESLA market cap exceeds FORD & has yet to turn a profit .. New studies showing one dollar of new debt giving one dollar less of GDP growth.


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Last night, there was a big match between Bayern and Real Madrid and the host became the winner with a 2-1 win in Alianz Arena. This is not the end for Real Madrid because they still have a chance in Bernabeu and actually they have a good opportunity because they scored an away goal. They only need 1-0 to secure their ticket to final.
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Honestly, i don't really care about who will win the champion because my favorite team, Manchester United has been kicked out of this league. I just wish for a great match for all of the team participating in the semi finals and final later on


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How to Beat the Heat at Disneyland
byAutumn Hilden
AllEars® Guest Columnist
Feature Article
This article appeared in the June 20, 2017 Issue #926 of ALL EARS® (ISSN: 1533-0753)
Editor's Note: This story/information was accurate when it was published. Please be sure to confirm all current rates, information and other details before planning your trip.
Maintaining your cool at Disneyland in the summer is just like any other aspect of an enjoyable Disney vacation: it takes planning and a little bit of practice. Check out these insider tips for what to ride and when, what to eat and where, and the things you absolutely must avoid if you want to keep cool and refreshed on your summer trip to The Happiest Place on Earth.
Wait Strategically
First off, lines for attractions can be killer no matter how hot the temp is. That's why the very best line for hot days (or any day, really) at Disneyland is Roger Rabbit's Car Toon Spin. It's sort of a predecessor to Walt Disney World's interactive queues, so not only is it cool, temp-wise, it's cool story-wise as well. You'll wind through the back alleys of a moonlit Toon Town, listening to sound effects and familiar voices while stepping through sets and around props. That lovely noir jazz from the movie soundtrack accompanies you the whole way, and it'll be a wait you'll love. Beware, though, that if you FastPass this ride, you bypass the entire queue, losing the story experience and the a/c.
Speaking of FastPasses, Indiana Jones is another strategic wait to try when it's hot out. Avoid the line if you don't have a FastPass, as the front half is entirely outdoors without shade. But if you do have a FastPass, you'll skip to the indoor wait (which is still pretty long, so on a normal day FP is barely a benefit for this ride, but when you're avoiding heat, it's great). Inside you'll enjoy the cool caverns of the Temple of the Forbidden Eye while you anticipate your encounter with Indy.
Play Inside
Sometimes you just can't mess around with the warm California sun. You need to get indoors! DCA's Animation Academy has long been a favorite for summer shade seekers, and with great reason. It's big, dark, and cool, with music and movie clips to wash over you while you recover from the heat. But choose the Animation Academy with caution. It's very often crowded with ornery guests, and when people get grouchy they tend to lose all sense of decorum (picnics spread on the floor, kids screaming while parents nap, etc.). Still, it's really your only option in DCA (other than bugging out to the Grand Californian, which I recommend as a much better alternative). At Disneyland, you can get your air conditioning with a semblance of civility by stopping at the Disney Gallery, enjoying some Great Moments with Mr. Lincoln, or taking in a few Mickey Mouse animated shorts at the quiet Main Street Cinema.
Another option, if you time it right, is Walt Disney's Enchanted Tiki Room, a glorious ode to mid-century kitsch and a wonderful respite from the weather. Waiting on the lanai for the show to start can be tough in the heat, though, so judge carefully (hint: if the pre-show introduction of tiki gods is already in progress, go ahead).
This is where some insider knowledge can help you not wilt during your Disneyland day. Certain rides that have long lines during the day (in the sun), clear out completely at night. Without fail, Buzz Lightyear Astro Blasters is a walk-on when the sun goes down. Save those for evening. Also save a couple of mega-popular rides with long, outdoor lines. These rides are still busy at night, but at least you can avoid waiting for them in the sun: Big Thunder Mountain Railroad, Haunted Mansion, Jungle Cruise (partially shaded but unusually hot, nonetheless), and Space Mountain.
Load Up on Cold Treats – the Right Way
So what is the right way to load up on tasty, cold treats at Disneyland? Without waiting in long, hot lines. Adventureland's Dole Whip is a fan favorite, but waiting in the sun for 40 minutes to get one is hardly an effective way to cool down, is it? And these days the secret is out about the second line, so there's no more beating the system there, either. Try these alternatives for delicious, frozen sweets instead. You'll wait inside — or not at all!
In Disney California Adventure, Rita's Baja Blenders pumps out delicious, affordable margaritas in no time. Get your ice cream at Clarabelle's Hand Scooped Ice Cream or Ghirardelli Soda Fountain; they both let you wait indoors for your custom treat. And for creative sodas and slushies, hit up the Cozy Cones. Cone 4 serves Red's Apple Freeze in a pretty short line. For a cool snack at the front of the park, go for Schmoozies smoothies. There's never a line and you can at least pretend you're getting something healthy.
At Disneyland, it's Gibson Girl Ice Cream Parlor for indoor yummies and Maurice's Treats in Fantasy Faire for the Boysen Apple Freeze. Maurice's is another secret spot that never has a line, and if you need a sit-down, you can grab a shady bench at the adjacent Royal Theatre and stay for a quick melodrama performance.
While many of Disneyland Resort's in-park restaurants offer shade or indoor seating, some are much better than others. If you're looking for total shade and an abundance of seating in DCA, head for Paradise Gardens. It's a beautiful beer garden-type area bordering quick-service locations Boardwalk Pizza and Pasta and Paradise Grill. Not only will you find fans, gazebos, and an atmosphere that strongly recalls old-school Magic Kingdom, you'll probably hit some live music too. At Disneyland, make cool-down lunch plans at Hungry Bear or Rancho del Zocalo. Both have adjacent restrooms and loads of covered seating.
When you need an icy blast of legitimate air conditioning at DCA, dine at Ariel's Grotto or Carthay Circle lounge or restaurant. You'll get a table service meal with your a/c. For a faster blast, try Flo's V8. With excellent food, music, and views, it's the best quick-service option with indoor seats (and they're on both sides of the ordering area, don't forget). Smokejumpers and Fiddler, Fifer & Practical will work as well, but their food is a little more of the rubbery/sitting-around-for-a-bit variety. At Disneyland, get your dose of cool air at Blue Bayou if you've got time and money for a nice meal. Otherwise visit Golden Horseshoe (with bonus music and comedy while you eat), Plaza Inn, Pizza Port, or Red Rose Taverne/Pinocchio's Village Haus.
Call a Time Out
When all else fails, don't forget that Disney's Grand Californian Hotel & Spa is connected to DCA. The lobby and halls are shady and very cool (almost too cold), and you'll find plenty of places to sit, have a beverage, and recharge from the heat. Bonus: the Hearthstone Lounge usually has some citrusy ice water on a stand outside its doors. Grab a cup to sip on while you rest. At the Grand Californian, it's easy to take a break inside and then circle back around to either park's front gates. And, since the relocation of the resort's security checkpoints, your wait to re-enter will be even shorter now than in the past. Of course if you're visiting on a full-blown vacation and can swing a deluxe hotel, make it the Grand Californian, and you can use the exclusive turnstile for hotel guests — no front gate wait required!
Know What to Avoid
Some things you just never want to do during the summer at Disneyland, period. If you are especially susceptible to heat stroke or overheating, avoid Mickey and the Magical Map, which is somehow hotter than anywhere else in the park, despite being outdoors and under a shade canopy. It's almost like a greenhouse, and the sticky, dead air there is difficult to endure or recover from. The lines for Alice in Wonderland and Mr. Toad's Wild Ride are also especially grueling. Mr. Toad has a perpetual, nearby sewer issue that compounds the misery of that line in the summer. Autopia and "it's a small world" offer no shade whatsoever, and Matterhorn offers very little and only at the end. Finally, the Disneyland monorail is totally un-air conditioned and sweltering, Sleeping Beauty Castle Walkthrough has little or no a/c in tight quarters, and the queue for Toy Story Midway Mania has an extremely hot indoor section that also lacks a/c or any kind of breeze/air movement. Experience all of the above with caution.
Be Smart
Finally, make sure to follow all the normal rules for staying cool. Wear light, loose clothing. Slather on sunscreen every two hours. Keep hydrated with plenty of water, and eat regularly. Rest before you need to. Also, keep in mind that desert summers are cool at night, even when days are scorching. Be prepared for a major change in temp when the sun goes down. It'll feel great for 20 minutes, and then don't be surprised to find yourself wishing for a light jacket.
Good luck and happy summer vacationing!
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Here Comes the Sun: Tips for Walt Disney World
Sun Survival Tips from AllEars.Net's Tips Database
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Autumn Hilden is a Los Angeles-based writer and editor. She has worked for Disney Publishing Worldwide and The Jim Henson Company and is currently writing books for young adults. Autumn grew up taking family photos in front of the waterfall pool at the Polynesian Village Resort and selecting "desert" for the final flight on Horizons. She now embraces Disneyland as her Happiest Place on Earth. You can follow her on Twitter here.
Editor's Note: This story/information was accurate when it was published. Please be sure to confirm all current rates, information and other details before planning your trip.


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Elegance and versatility—those familiar Barnes strengths define this latest story collection from the distinguished British author.
Six of these 14 stories are about contemporary relationships; another four are miscellaneous; and there's a quartet called "At Phil & Joanna's," presenting four separate evenings of dinner-table conversation. The same hosts and guests form a group of upper-middle-class Londoners; well-fed, well-lubricated, kicking back. Their collective profile is fun-loving, casually erudite, liberal and bawdy. The conversation ranges from dog poop and prosthetic testicles to Latin tags and climate change to an overview of sex and love. Barnes artfully calibrates their dialogue so that it transcends brittle repartee to convey warm conviviality and humanist concern. Two of the relationship stories ("East Wind" and "Trespass") feature male protagonists looking for a mate. In ways both funny and painful, they fumble their approaches to women. Two others are not quite so successful; "Sleeping with John Updike" fails to live up to its risqué title, while in "Gardeners' World," marital problems are obscured by horticultural detail. Their partial failure is more than redeemed by "Marriage Lines," a wrenching study of a young widower's grief, and the powerful title story about two marriages. The narrator's admiration for his parents' enduring intimacy grows as his own marriage crumbles. To diversify the collection, Barnes moves back in time."Carcassonne" is a piquant inquiry into erotic attraction; the great Italian liberator Garibaldi figures prominently. Further back, in 18th-century Vienna, a most unusual doctor seeks to cure the blindness of a musical prodigy. The formal narration fits the period like a glove ("Harmony"). Most memorable, though, is "The Limner." Long ago, a humble artist traveled on horseback, seeking commissions to paint portraits. Wadsworth was also a deaf mute. He is stiffed by a pompous bureaucrat, but nonetheless gives his undeserving sitter the dignity he craved. It is a moving affirmation of true dignity.
Another impressive addition to an already impressive oeuvre.


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"The US has just backed away from every Israeli 'red line' – Syria, Iran – and has even begun pushing for a Palestinian settlement again," Gordon Duff wrote in a column for Press TV on Wednesday.
In his joint press conference with Israeli Prime Minister Benjamin Netanyahu in Washington on September 30, US President Barack Obama refused to blame Syrian President Bashar al-Assad for using chemical weapons against civilians, Duff said.
Duff said Obama simply said the "indiscriminate, horrible weapons" must be taken out of Syria.


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text: Culture 23 July 2010 Yeats and Violence Sign-up Yeats and Violence is a stirring title, but not for this book. Michael Wood's Clarendon Lectures, given in Oxford in 2008, read like his Empson Lectures, given in Cambridge in 2003 and published under the appropriately expansive title Literature and the Taste of Knowledge. The new book appears to be a small academic exercise - thoughts on a renowned poet and his favoured theme - whereas, in reality, it is a response, or a series of responses, to "the question of what a poem, as distinct from any other sort of proposition or utterance, may have to tell us, or show us, about violence or anything else". The poem Wood is talking about here is Yeats's "The Magi", but for most of the book his attentions are turned to "Nineteen Hundred and Nineteen", a troubling, six-part poem with resemblances to T S Eliot's troubling, five-part poem "The Waste Land". It was in 1919 that Eliot wrote to his benefactor John Quinn about "a poem I have in mind", and he got properly down to work in 1921, the same year as Yeats did. Eliot's "heap of broken images" and Yeats's "tumult of images" originally went under different titles: "He Do the Police in Different Voices" and "Thoughts upon the Present State of the World". Wood does not make this comparison, but Eliot is one of the many writers whose help he enlists as he works his way around Yeats's poem and the thoughts it provokes on poetry, history and retrospective fantasy. "Nineteen Hundred and Nineteen" begins "Many ingenious lovely things are gone", yet for Wood, the poem is not about loss, but the sense of loss. Of the many pretty toys Yeats claims that human society used to have, including "A law indifferent to blame or praise,/ To bribe or threat", Wood says: "We had only the illusion of having them." He has plenty to say about the poem's formal choices, structural arrangement and "historico-spiritualist hocus-pocus", as well as the poem's vision of violence in its apocalyptic and republican forms. But he is by no means confined to these things. The book is notable for the range of subjects to which Wood applies his agile responsiveness: the relationship of the topical to the abstract and the local to the global; the significance of definite and indefinite articles; the words "strange", "reprisal" and "now". Now is the perfect time for a critic of Wood's hospitality and promiscuity. The battles between competing schools have calmed, and he is able to deploy formalism in alliance with historicism; to quote William Empson alongside, not against, Jacques Derrida, whose views Empson claimed to find "very disgusting". Wood's treatment of "Nineteen Hundred and Nineteen" is pitched between Roland Barthes's forensic approach to the Balzac story "Sarrasine" in "S/Z" and the itchy-footed ruminating of Frank Kermode in Romantic Image (1957) - especially the chapter on Yeats's "In Memory of Major Robert Gregory", a poem that deserves, Kermode says, to be asked the right questions and which rewards much painful reading.Yeats and Violence also takes a cue from Christopher Ricks's lecture-books Keats and Embarrassment and T S Eliot and Prejudice, though Wood misses a juicy opportunity by failing to consider the tough question posed by Ricks in the essay "Yeats and Facts": "The reek of the human, the stuff of life, facts, circumstance, history, are these only aerially there in Yeats's poems, so that the victories for the human imagination, for spirit and form, are too easily won?" Another rare oversight is Kermode's essay "Poetry and History", in which he argues that "good poems about historical crises" speak a different language from historical record and myth. One of Kermode's examples is Andrew Marvell's "Horatian Ode upon Cromwell's Return from Ireland", which Wood also discusses here. But this is not a book that may fairly be accused of laxity. Wood's criticism is exuberantly characterful, adventurous in its scholarship, and greedily, giddily speculative. He has no prejudices about what merits consideration, so that the accidental substitution of "ingenuous" for "ingenious" in one version of the poem is described "as a sort of Freudian message from the printer's font" and Yeats's use of the phrase "scot-free" in connection with a Scotch-accented soldier prompts the claim that "the unconscious is no great respecter of etymologies". The poem is trusted often at the expense of the poet; the court of appeal is the language itself. Wood quotes from two books called The End of the Poem (by the philosopher Giorgio Agamben and the poet Paul Muldoon), but this is not his destination. The book is incomplete and unsatisfying in the best sense - Wood honours complexities by refusing to tie them up or tidy them away. There is extensive use of the words "although" (more than 30 times), "perhaps" (more than 60) and "interesting". Henry James defined criticism, we are told, as the mind "reaching out for the reasons of its interest". Wood writes criticism with arms outstretched. He is none too convincing when he says "I don't want to get carried away here"; his real, unabashed and unappeasable personality emerges when he senses how much more a phrase or image may have to yield. And at one point he produces the ideal motto of the intrepid interpreter: "We can go further, I think." Yeats and ViolenceMichael WoodOxford University Press, 272pp, £18.99 Leo Robson is the New Statesman's lead fiction reviewer. Leo Robson is the lead fiction reviewer for the New Statesman. Subscribe £1 per month This article first appeared in the 26 July 2010 issue of the New Statesman, Wanted: leader of the Labour party SUBSCRIBE More


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MOUNT ST. MARY'S (1-8) at PENN STATE (6-5)
Sunday, December 18, 4:00 p.m.
University Park, Pa. * Bryce Jordan Center
TELEVISION: BIG10 NETWORK - Tom Hart (play-by-play) and Greg Kelser (color)
After a week of final exams, the Mount returns to action against Penn State on Sunday afternoon. Last season, the Nittany Lions needed a Talor Battle 30-foot three-pointer with 1.3 seconds left to break a tie game en route to a 57-53 victory over the Mountaineers.
Penn State holds a 6-0 advantage in the all-time series that began in 1992. This is the fourth meeting over the past eight seasons between the two programs. Four of the six matchups have been decided by seven points or less.
The Mount is coming off a 65-54 home loss to longtime rival Loyola on December 10. It was the 167th meeting between the two schools and the Mount now owns a 96-71 lead in the series.
Sophomore Julian Norfleet paced the Mountaineers with a career high 23 points while redshirt sophomore Kristijan Krajina scored all of his career-high 10 points in the opening half. Loyola used a 9-0 run to close the first half with a 33-26 lead. The Mount cut the deficit to five several times in the second half, but Loyola was able to hold the lead and earn the win.
Norfleet is averaging 20.5 points, 5.0 assists, 4.5 rebounds and 1.5 steals over the past two games, hitting 8-of-18 (.444) from three-point range over that stretch. The Mount has improved dramatically in protecting the basketball, averaging 10.7 turnovers per game over the past three games. The Mountaineers averaged 20.7 turnovers over the first six games of the season.
Penn State is 6-5 this season after a 66-59 loss at Duquesne on December 10. Jermaine Marshall had 20 points and nine rebounds in the loss to the Dukes. Tim Frazier leads the Nittany Lions in scoring (17.4), rebounding (5.6), assists (7.2) and steals (2.3). Marshall is second on the team with 9.2 points per game. Penn State defeated Long Island (77-68) in the third game of the season, but has lost three in a row.
The Mount returns to action on Thursday, December 22, with a 6:00 p.m. game at Savannah State before returning to Knott Arena to host American (Dec. 29) and Albany (Dec. 31).


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Department of Microbiology and Ecosystem Research
University of Vienna
As a soil ecologist and biogeochemist, I want to find out how microbes contribute to decomposition and formation of organic matter in soils.
The SeaCUE project investigates the microbial contribution to soil carbon sequestration. At the Department of Microbiology and Ecosystem Science at the University of Vienna I am looking into the seasonality of microbial carbon use efficiency and if carbon inputs at times of high efficiency lead to more stabilization of carbon in soils.
For a full list of my publications visit my Google Scholar profile
Carolina and Ludwig joined the SeaCUE team. Welcome! I am looking forward to exciting field and lab work with you.
Carolina Urbina Malo and Ludwig Baldaszti , University of Vienna.
Čapek P, Manzoni S, Kaštovská E, Wild B, Diáková K, Bárta J, Schnecker J, Biasi C, Martikainen PJ, Alves RJE, Guggenberger G, Gentsch N, Hugelius G, Palmtag J, Mikutta R, Shibistova O, Urich T, Schleper C, Richter A, Šantrůčková H.
Doetterl S, Berhe AA, Arnold C, Bodé S, Fiener P, Finke P, Fuchslueger L, Griepentrog M, Harden JW, Nadeu E, Schnecker J, Six J, Trumbore S, Van Oost K, Vogel C, Boeckx P.
Thanks a lot Eva and Philipp for all the help with the SeaCUE project. It was great working with you. I wish you all the best for finishing your master theses!
Eva Simon and Philipp Gündler, University of Vienna.
Microorganisms in Arctic Cryoturbated soils could be main drivers of organic matter transformations of up to 1300 Gigatons of carbon that are currently stored in Arctic permafrost soils.
A big challenge for future agriculture is to adapt management practices to establish systems that are able to deal with changes in precipitation regimes. Increasing the number of crops in rotation might be a way to establish such a system by increasing microbial diversity and very likely functional redundancy.
Soil microbes need to be in close proximity to their substrate to be able to efficiently decompose it. Soil organic carbon content could be a proxy for the average distance between microbes and their substrate in soil.
Soil warming leads to increased microbial respiration, the depleation of soil C and a transfer of carbon from the soil to the atmosphere. To simulate responses of soil systems to Climate Change, we studies a long term soil warming experiment in the Austian alps.
Arctic permafrost soils contain twice the amount of carbon than the atmosphere. These huge carbon stocks are potentially highly vulnerable to climate change.


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The Klein, TX Historical Foundation featuring Wunderlich Farm.
Plan your visit today to come experience our quiet oasis that rests among the bustling suburbs of northwest Harris County. At the farm, you will see how the rural heritage of the early Klein community and families is preserved.
Join us on December 7th for our Annual Old Fashion Christmas Market. More details can be found below.
Volunteer Application
We are currently accepting applications for volunteers. Volunteers can be for school field trips, working on a Saturday with visitors, or just volunteering to spruce the place up. Click the application link and join the team.
Upcoming Events
Here is a list of some of our upcoming events. Put them on your calendar now so you don't forget. Check back often as new events are always in the planning.
Fall Festival
Join us on October 26th for our 3rd Annual Fall Festival. Starting at 10 am till 3 pm
Lyrics and Lattes Concert Series
November will be our kickoff of our evening Acoustic concert series. Showcasing local talent from our area. Come out and sit under the trees and listen to local artist and grab a cup of coffee from our local coffee vendor.
Old Fashion Christmas Festival
Step back to a simpler time, when Christmas was about community and family. Listen to choirs, musicians, explore, shop, eat. This is the 7th year and it is becoming a local tradition to spend it with Wunderlich Farm. .
100% of the farm DEPENDS on YOU!
As a non-profit, we subsidize nearly 100% of our programming, which means we need your support to help us do what we do best—like caring for livestock, running workshops throughout the year, and training a new generation of Youth Volunteers to carry the spirit of our mission far beyond our fences.
Donate Today
Experience History
Learning from our past is more than just listening to facts. It means doing. Doing the jobs of the early settlers, experiencing life like the settlers, and at times pretending to be the settlers.
So come out and take a step back in time. Play along with our residents and truly immerse yourself into the story of Big Cypress.


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Newcastle United are alive and living in FA Cup dreamland in the backwaters of Watford.
Against all odds, Watford, on their financial uppers, are in the semi-finals, propelled to the brink of glory by their Newcastle connection.
Burnley were finally overcome in the last quarter of an hour yesterday by two goals from Newcastle supporter Tommy Smith and ex-United star Stephen Glass.
The Geordies may have gone out at the very first hurdle but we're living on in disguise.
As befits a competition built upon romance, both scorers have a great tale to tell - Smith, who scored the winner with a twice-taken penalty at Sunderland, survived a car crash only a couple of weeks ago and Glass is to be kicked out of Watford when his contract expires in the summer because they can't afford him!
Smith, a Newcastle fan through his Geordie dad, might have been in a hospital bed instead of the Vicarage Road pitch ready to break the deadlock.
In reality, the Beeb got the best and worst of Cup action, with this match as poor in terms of quality as the Arsenal-Chelsea encounter was electrifying.
But Watford certainly don't care - and neither does the First Division which, with Sheffield United defeating derby rivals Leeds, have two clubs in the semis.
Little men temporarily in a big world.


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2019 Snowflake Days
Snowflake Days History
Snowflake Buttons
Snowflake Days Events at a Glance
Mayor's Cup Golf Tourney
Medallion Hunt
Miss Coon Rapids Pageant
Kids Medallion Hunt
Sock Hop
Children's Carnival
Just for the Seniors
Chili Challenge
Junior Royalty Pageant
CRFD Belgian Waffle Breakfast
"Cookies & Canvas"
Family Day at the CRIC
Family Skating Event at the CRIC
Indoor Kids Ice Fishing Contest
Sponsors/Related Links
Contact Us
Thank You!
Snowflake Bingo for Seniors 55+
Monday, January 28th
12:45 p.m.
Coon Rapids Senior Center
11155 Robinson Drive
Free bingo with prizes and a Culver's frozen
Call 763.767.6473 to reserve a spot!
Sponsored by Culver's Restaurant & Autumn
Glen Senior Living
Proudly powered by


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1. Remove Script for Hud (Now using Default FillLevel after fix in Giants Update 1.4.
2. Small shader and texture fixes.
3. Fixed Tip to Ground Feature. Now allows full bin tip in one spot.
4. Added German (de) Translation by Bauer Hannsen – Very Special Thanks
The Amazone Profihopper is a great little mower for the small jobs around the farm. With the option to pick up the grass or windrow this is an alround great mower to have on any farm.
New Features and Model Changes for 2017.
Animated entry and exit (Chair Arms Move)
New Front and Rear Light designs.
Brand new indoor HUD including Capacity reading and night backlighting.
Dynamic fill plane
Updated textures and decals
Updated particle animations.
Openable mower deck lid.
Automatic or manual Bin Lid.
We hope you enjoy this new model of this great FS13 piece of equipment.
Multi-Player and Single Player Tested 🙂
Log is Error Free.
Textures FS17: GTX MODS
Testing, 3d Model changes: GTX MODS
German (DE) Translation: Bauer Hannsen


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This item is not in stock, but may be available to order. Special order pricing and lead time must be quoted by our staff, since cost and availability can vary greatly. If you're interested in getting a quote on this item, please contact us using the "Request More Info" button below.
Have questions? Find the answer in our new searchable FAQ.
This modular L-shaped sectional brings you the ultimate comfort you're looking for in a sofa. Its shape can easily seat multiple people, and you'll love adding your own flair to it by adding fun throw pillows. Its casual yet transitional appearance will complement a variety of room styles, while loose pillow back and seat cushions make this sectional easy to clean. The exposed wood block feet are finished in walnut, creating a great accent against the sofa's fabric. This is a sectional sofa that the whole family can enjoy and will keep you cozy for years to come.Customize your own on Bassett.com here: http://www.bassettfurniture.com/Custom-Upholstered-L-Shaped-Sectional-DZ21437.asp
The Beckham Beckham 5-Piece Sectional (Modular) by Bassett at Great American Home Store in the Memphis, Cordova, TN, Southaven, Olive Branch, MS area. Product availability may vary. Contact us for the most current availability on this product.
The Beckham collection is the pinnacle of transitional style, and it still brings you maximum comfort with a sectional, ottoman, and armless chair options. Each piece is armless, showing off true transitional design that will really set your living area apart. Loose pillow backs and seat cushions are durable, easy to clean, and keep you comfortable. Check out the U-shaped sectional to really maximize on cozy seating solutions, or look at the storage ottoman that features a lift-top so you can store blankets, pillows, or other small items nearby. The Beckham collection will complement a variety of home styles and will be a place where you make memories for years to come.
The Beckham collection is a great option if you are looking for Transitional furniture in the Memphis, Cordova, TN, Southaven, Olive Branch, MS area.
These images are representative of this group as a whole and may differ from this item.
Browse other items in the Beckham collection from Great American Home Store in the Memphis, Cordova, TN, Southaven, Olive Branch, MS area.
This item has been tagged as: Sectional, Couch, Sofa, Large Couches, Large Sofa, Sectional Couch, Sectional Sofa, Chaise Sectional, Sectional with Chaise, Couch with Chaise, Sofa with Chaise, Chaise Sofa, Chaise Couch, Sectional with Recliner, Recliner Sectional, Reclining Sectional, Modular Sectional, Modular Sofa Pieces, Stand Alone Couch Pieces, Curved Sectional, Conversation Sofa, Conversational Sofa, Sectional Furniture, Home Theatre Sectional, Home Theater Sectional, Sectional with Ottoman
Nothing on this page may be copied or reproduced without explicit permission.


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Industrial Service, Supply & Distributor - Listings are filtered first by Enhanced Web Package alphabetically, then alphabetically by basic web package
Alro Steel is a metals service center with 70 locations in 12 states. Alro distributes metals, industrial supplies and plastics. Alro offers cut-to-size metals and plastics with next day delivery.
3100 E. High Street
Jackson, MI 49204
- Map
- (517) 787-5500
Cutting Tools Tool Holders Threading Tool Measure/Balance Coating Abrasives Tooling Components
967 Airport Road
Jackson, MI 49204
- Map
- (517) 787-6320


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It says the government can't provide a education that everyone is happy with. On the other hand, private education does not necessarily ruin the country's flowers. Apart from the successful private schools of Louis Vuitton Belt, education, even the private education institutions in the west, many are run by the foundations set up by wealthy individuals. They are not dependent on tuition fees to keep running, and they have high quality training, replica hermes belt even more than most public education institutions. Therefore, education does not necessarily have to be provided by the government.
Why hasn't Hermes Belt private education developed? I think there are at least two possible reasons:
For one thing, has so far lacked a number of rich people with the same feelings about education. The rich generation, who grew up after the reform and opening up, are not yet in the process of thinking about the future of their property. What he or she CARES about now is how to further develop their own business and the inheritance of wealth. It is ok to make small donations to education, but it is not yet available to donate all of your property to set up a foundation to start a school or university. However, if there is no one batch have fully realized the financial freedom to initiate education, then, all the establishment of private education institutions is impossible not to make money for the purpose, so it can't be real education institutions.
Second, the government has not yet issued encouraging policy support. An important factor in the development of western private education is the inheritance tax. If a rich man is to pass on his property to the next generation, he usually pays a high inheritance tax, usually 50 percent, and in some countries up to 70 percent. However, if education is made in the form of a charitable donation, it can be tax-free. For millionaires, rather than the property to he (she) may not trust the government, also is to donate the establishment of education, both contributing to the society, but also make them a fair death honors the whole life. If the government can adjust its policies in time to encourage more private capital not to enter the education sector for profit, it may be able to improve the ecology of education in Louis Vuitton Belt to a considerable extent. As Hermes Belt economy continues to grow and its first generation of millionaires are about to enter the twilight years of their lives, that may not be hard to come by. Education should meet the needs of all groups in society. If people don't meet their needs, there will be new breakthroughs in technology, or new breakthroughs in the system. With the rapid development of Internet technology, education technology is on the eve of a new major breakthrough. What is needed now may be a breakthrough in the education management system.
I thought of another story. A mother was washing the dishes in the kitchen, and when she heard her little son bouncing up and down in the backyard, she shouted to him, what are you doing? The little boy replies proudly, I'm going to the moon. You know what mom said? She said, ok, but don't forget to go home. After the little boy grew up and became the first person to set foot on the moon, and left the other ring space classic sayings: this is a small step, a giant leap for mankind. His name was Neil Alden Armstrong.


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This fresh and sweet wrap is a celebration of summer, and makes a great lunch- even for vegetarians
|Dempster's Whole Wheat Wraps
|2 cups
|Baby spinach, washed and trimmed
|1/3 cup
|Balsamic Vinegar
|1/4 cup
|Chopped Pecans
|Peach, sliced very thin
|1/3 cup
|Crumbled Goat Cheese
In a medium bowl, toss spinach, pecans, peaches, cheese, and vinegar. Divide among four wraps, and enjoy!
Hint: I used a Maple infused Balsamic Vinegar, and it was great. Experiment with infused vinegars for this recipe and others :)
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Texas State Board of Podiatric Medical Examiners:
An Inventory of Board of Podiatric Medical Examiners Minutes at the Texas State Archives, 1923-1939, 1982-1997, 1999-2000, 2006-2007
Agency History
In 1923 the 38th Texas Legislature passed the "Act to Define and Regulate the Practice of Chiropody" (House Bill 487). Under the terms of this law a five-member Texas State Board of Chiropody Examiners was created to administer the examinations and license those seeking to practice chiropody in Texas. Membership of the Board consisted of three members of the Texas State Board of Medical Examiners and two chiropodists appointed by the Board of Medical Examiners. The secretary of the Board of Medical Examiners served as the Chiropody Board's secretary. The Chiropody Practice Act, as amended in 1951, defined a chiropodist as "anyone who treats or offers to treat any disease, physical injury or deformity or ailment of the human foot by any system or method."
In 1939 (House Bill 195, 46th Legislature, Regular Session) the board was made a separate, independent state agency, the Texas State Board of Chiropody Examiners, composed of six reputable practicing chiropodists residing in Texas who had been in practice for at least five years, and who could not be faculty members of a chiropody or medical college, or have financial interests in such an institution.
In 1967 the name was changed to Texas State Board of Podiatry Examiners (Senate Bill 80, 60th Legislature, Regular Session), and in 1995 to Texas State Board of Podiatric Medical Examiners (Senate Bill 673, 74th Legislature, Regular Session). As of 1981 (House Bill 866, 67th Legislature, Regular Session), the Board has been composed of six podiatric physicians and three consumer members, each appointed by the Governor with the advice and consent of the Senate for overlapping six-year terms. The board conducts exams in podiatric medicine, issues and renews licenses, revokes licenses for due cause, prosecutes persons who violate the act, collects license and renewal fees, adopts rules and regulations governing the practice of podiatric medicine, and registers podiatric medical personnel who administer X-rays.
(Sources include the Guide to Texas State Agencies, 11th edition (2001); the enabling legislation (1939, 1967, 1981, and 1995); and the agency website, at http://www.foot.state.tx.us/index.htm (accessed April 2, 2008).)
Scope and Contents of the Records
The Texas State Board of Podiatric Medical Examiners conducts exams in podiatric medicine, issues and renews licenses, revokes licenses for due cause, prosecutes persons who violate the act, collects license and renewal fees, and adopts rules and regulations governing the practice of podiatric medicine. All of these functions are documented by these records, which comprise the minutes of the board, dating 1923-1939 (for the Board of Chiropody Examiners) and 1982-1997, 1999-2000, and 2006-2007 (for the Board of Podiatric Examiners/Podiatric Medical Examiners).
The minutes record, in fairly summary fashion, the actions of the board at each of its meetings, including the following: inspection and acceptance or rejection of credentials of applicants; reports from the president, the vice-president, and the executive director, concerning the status of complaints and investigations, the enforcement of rules, proposed legislation, pending litigation, and other matters; reports from the treasurer; the proposal, amendment, and acceptance of rules (usually accompanied by the text of those rules); the administering of the examination (including the grades on the Chiropodists exams); and the granting of licenses to practice podiatry in Texas.
The following sizable gaps exist in the holdings of the Texas State Archives: 1940-1967 (for the Texas State Board of Chiropody Examiners); 1967-1981 (for the Texas State Board of Podiatric Examiners); and 1998 thru February 1999, November 2000 thru October 2005, and February 2007 (for the Texas State Board of Podiatric Medical Examiners).
To prepare this inventory, the described materials were cursorily reviewed to delineate series, to confirm the accuracy of contents lists, to provide an estimate of dates covered, and to determine record types.
Restrictions on Access
Materials do not circulate, but may be used in the State Archives search room. Materials will be retrieved from and returned to storage areas by staff members.
Restrictions on Use
Most records created by Texas state agencies are not copyrighted and may be freely used in any way. State records also include materials received by, not created by, state agencies. Copyright remains with the creator. The researcher is responsible for complying with U.S. Copyright Law (Title 17 U.S.C.).
Technical Requirements
Related Material
Administrative Information
Preferred Citation
(Identify the item), Texas State Board of Podiatric Medical Examiners minutes. Archives and Information Services Division, Texas State Library and Archives Commission.
Accession Information
Accession numbers: 1981/207, 2005/056, 2006/389, 2007/101, 2007/141, 2008/114
These records were transferred to the Archives and Information Services Division of the Texas State Library and Archives Commission by the Texas State Board of Medical Examiners on August 14, 1981; by the Texas State Board of Podiatric Medical Examiners on August 7, 2006; February 27, 2007; and April 2, 2008; and by the Texas Legislative Reference Library on November 3, 2004; and March 20, 2007.
Processing Information
Tony Black, April 2004, June 2005, April 2008
Other Formats for the Records
The Texas State Board of Podiatric Medical Examiners has mounted some of its minutes on the agency web site ( http://www.foot.state.tx.us/info.minutes.htm). As of April 2008, this included August 2004-July 2005.
Location of Originals
When the other side of the page in the minute books contained Texas State Board of Medical Examiners minutes, the Texas State Board of Chiropody Examiners minutes were photocopied and the original remained with Medical Examiners minutes.
The Texas State Board of Podiatric Medical Examiners maintains the record copies of their minutes.
Detailed Description of the Records


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I had an enquiry on how to cut overlapped design sometime back by one of my course participants so I made this video to explain better. The narration in the video is a mix of English and Malay so fellow Malaysians won't find it strange.
I am pressed for time so I might go back to the video later and add subtitles if I ever get the time.
So, I hope this video would help the newbies with Silhouette Studio to design and work better with the software.
A few announcements:
- My telekung class will be on tomorrow, 31 March 2018 at LamanSeni Zilakasim. Details about it here.
- I have been invited to take part in Jomoiling's Live Your Passion Rally on 7 April 2018 at Lake Gardens. I will be bringing my NaturallyRozi's products for sale on that day. Stay tune for more news.
- April's Intensive Silhouette Training (read about it here)will be on Sunday, 15 April 2018 at The Craftsical. If you're interested to join the class, please contact drop me a line in my contact form on my estore here.
OK, that's all folks!


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Hand & Foot Care
Men's hands and feet take a beating day in and day out -- so keeping them in good shape can be chore. Luckily, there are plenty of hand creams,finger and toenail clippers, body lotions, manicure sets and more to keep a gent's extremities in tip-top shape. Cleansed, moisturized and manicured hands and feet say a lot about a man. Make sure yours communicate the right things.
Molton Brown Fine Liquid Handwashes
Starting at: $30.00
Tips & Advice For Hands & FeetWe our proud to offer a large selection of hand washes, hand creams, foot creams, finger and toenail clippers and other tools to keep a man's mitts and "barking dogs" in tip-top shape. When prospecting potential hand creams, pay particular attention to how greasy your hands feels after. A good hand cream should sink in fast and hydrate the hands quickly -- without leaving behind a ton of greasiness. Of course, for a hand wash, scent usually is the major factor and Molton Brown's Hand Washes deliver big-time in this area. While many guys use the same clipper for their finger and toenails, it's recommended to have two different clippers since the toes and hands have different size nails and angles they need to be trimmed at. If you have funky smelling feet, we recommend grabbing a powder and sprinkling some on the feet or in your shoes to absorb sweat. Your shoes (and friends) will thank you later.
WOW-Worthy Customer Experience
Making the men in this world even more handsome takes a lot of hard work. So, getting incredible customer reviews and feedback from thousands of satisfied customers means everything to us. Service is truly the backbone of our business in both our two barbershop & spas and online. Below, enjoy some our most recent reviews from customers via our third-party review partner Shopper Approved. If you ever need any grooming advice, or have a question about an order, please do not hesitate to reach out to us – we're here to assist.


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School evocation [force]; Level bloodrager 1, magus 1, psychic 1, sorcerer/wizard 1
Casting Time 1 standard action
Components V, S
Range medium (100 ft. + 10 ft./level)
Targets up to five creatures, no two of which can be more than 15 ft. apart
Duration instantaneous
Saving Throw none; Spell Resistance yes
A missile of magical energy darts forth from your fingertip and strikes its target, dealing 1d4+1 points of force damage.
The missile strikes unerringly, even if the target is in melee combat, so long as it has less than total cover or total concealment. Specific parts of a creature can't be singled out. Objects are not damaged by the spell.
For every two caster levels beyond 1st, you gain an additional missile – two at 3rd level, three at 5th, four at 7th, and the maximum of five missiles at 9th level or higher. If you shoot multiple missiles, you can have them strike a single creature or several creatures. A single missile can strike only one creature. You must designate targets before you check for spell resistance or roll damage.
Editor's Note
Can I use magic missile to destroy one or more images from a mirror image spell?
No. Magic missile targets a creature and does not require an attack roll, so it bypasses all the images and always hits the caster.
Pathfinder Roleplaying Game Core Rulebook. © 2009, Paizo Publishing, LLC; Author: Jason Bulmahn, based on material by Jonathan Tweet, Monte Cook, and Skip Williams.


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PD Loader lets you load plugins into PDAFT by placing them into a "plugins" folder, it includes useful ones such as input emulation and a graphical launcher.
The code included in this repository is intended for the solely usage of investigative reasons for the PDAFT videogame. Based on your current jurisdiction, it may be illegal to tamper with an arcade cabinet or its hardware and so it would be the usage of this software. You must have your own legal dump of the game to use this software. Additionally, a MIT License is provided.
Decompress everything into the root folder of the game.
Install the official "mdata". M215 to M270 are supported, custom ones are also supported.
To install them you have to drop each "mdata" update decompressed into the "mdata\" folder in the root folder of the game (create it if it doesn't exists).
e.g. For all the official "mdata" you should have the following folders inside:
Files required to make "mdata" available in the game are included ("ram\databank\PvList*" files).
IMPORTANT: Do not edit any of the .ini configuration files with Notepad. Use Notepad++ (or WordPad) with UTF-8 encoding instead, otherwise your game may crash.
Use "plugins\components.ini" to enable or disable TLAC components. Use "plugins\config.ini" to enable or disable plugins loading along other useful settings. Use "plugins\keyconfig.ini" to change your game keybinds. Use "plugins\playerdata.ini" to change your playername and other player customization.
Place any .dva plugin you want to use inside the "plugins" folder.
Launch "diva.exe". Use "--launch" argument to bypass the launcher and to be able to use other arguments.
Edit "plugins\playerdata.ini with Notepad++ (or WordPad) and set use_card to true.
If you do not hear any audio from the game, please install DivaSound.
Your root game folder should look like this:
Your "mdata" folder should look like this:
Pull requests are welcome. For major changes, please open an issue first to discuss what you would like to change.
Please make sure to update tests as appropriate.
MIT (see "LICENSE").
DiscordDiva - Discord integration by bela333.
DivaSound - Replacement audio output by somewhatlurker, this plugin is a must if you have audio issues or no audio at all.
Only NVIDIA videocards are supported for now, AMD and Intel GPU support is possible but further research needs to be done. On computers with multiple GPUs, such as most laptops, the game must be set to run on the NVIDIA GPU manually.
Linux can run the game with Wine, for audio you must use DivaSound. WMV movie videos are not supported and it is recommended to set No_Movies to 1 to prevent crashes when the game attempts to load a movie.
Windows 7 is supported except for WMV movie videos.
Previous versions used dinput8.dll in the game root folder, if you still have it you must delete it.
Always use the original game executable.
Special thanks to Brolijah, Skyth, korenkonder, Samyuu, somewhatlurker, SwigS-27, crash5band, vladkorotnev, lybxlpsv and everyone else who helped at the Project DIVA Modding 2nd Community Discord, come join us if you want to help us to improve this project.
To enable logs and dumps create a folder called "logs" in the root folder, each dump size is 200MB so watch your disk space.
This is a stripdown of ThirteenAG's Ultimate ASI Loader v4.47 for "dnsapi.dll" usage only.
Solution for Visual Studio 2019. Requires platform toolset v142. Requires Windows 10 SDK (10.0.17763.0).
Requires Desktop development with C++. Requires Windows Universal CRT SDK.
Requires .NET desktop development (Launcher plugin). Requires .NET Framework 4 targeting pack (Launcher plugin). Requires C++/CLI support for v142 build tools (14.21) (Launcher plugin)
Requires Microsoft Research Detours Package (included in the solution). Requires FreeGLUT 3.0.0 PD (included in the solution).