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Grand Lake, Colo. -- The Intercollegiate Women's Lacrosse Coaches Association recognized five University of Lynchburg women's lacrosse players on its Division III Academic Honor Roll, the IWLCA announced Wednesday.
Lynchburg's team also earned the distinction of IWLCA Academic Honor Squad, bestowed on teams that reached a GPA of 3.0 or higher in 2018-19.
Seniors Hannah Creasey (Virginia Beach, Va.), Kelsey Nock (Salisbury, Md.), Allie O'Leary (Salisbury, Md.) and Alicia Sandoval (Montclair, Va.) and junior Emmy Yarmy (New Rochelle, N.Y.) claimed honor roll status, which is given to student-athletes who have at least junior status and maintained a 3.5 or greater cumulative GPA.
The IWLCA included 630 players from 166 Division III programs on its 2019 honor roll. Three-hundred and three teams across Divisions I, II, III and the NAIA were named academic honor squads.
RELATED: IWLCA Academic Awards Webpage
Lynchburg's team played to a 9-8 mark in 2019, including a 6-3 record in the Old Dominion Athletic Conference.
Visit Lynchburg athletics' home online, LynchburgSports.com, anytime for up-to-the-minute news on all Hornets sports and coverage from the Lynchburg Hornets Sports Network. Click here to sign up for email and text alerts from Lynchburg athletics.
Give Lynchburg Sports a like on Facebook, and follow @LynchburgSports on Instagram and Twitter.

subset: commoncrawl


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text:
From NAMIC Wiki
Home < OpenIGTLink < ProtocolV2 < Index
OpenIGTLink version 2 Summary
- The header format will not be changed.
- Simple querying mechanism is defined. See querying mechanism in version 2.
- The protocol version 2 continue to focus on message formats. Supporting tools (simulators and interfaces for specific applications e.g. 3D Slicer, Matlab) and transportation layer (use of UDP or other network communication middleware) should be discussed separately.
- More information is available in Version 2 Summary page.
OpenIGTLink Protocol Rules
- The OpenIGTLink protocol is a network communication protocol works in the Application Layer in the OSI model.
- The minimum unit in data transfer in OpenIGTLink protocol is an OpenIGTLink message.
- An OpenIGTLink message consists of header and body sections. The header format is consistent and can be interpreted by all software that has OpenIGTLink interface. The header contains device type (or data type) name, which specifies the format of the body.
- The OpenIGTLink protocol is stateless.


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text:
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Macbook pro retina 2014 13'' A1502 Board = 820-3476 i5 4.6 8gb 512 ssd
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Hello all I purchased this on ebay and the seller said the logic board was bad turns on but will not boot, I do get a green light then amber on the charger but no power. The inside of this is spotless no dust or corrosion that I can find anywhere (under high magnification) So I purchased a new logic board installed it and now I have no lights on the charger and no power. Any Idea's ?? ..... I'm thinking DC in board may be bad ? Does anyone know of a video that show's where to test for all the power rails on this board ??
Thanks for any input on this.
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More competition in the race for the 4th congressional seat currently held by Dr. Scott DesJarlais is a possibility. Reports indicate a retired CPA who once worked on behalf of President Barack Obama during his past campaigns, is thinking about running.
Democratic activist from Monteagle Lenda Sherrell, is weighing a bid in the sprawling district which is now held by. Rep. DesJarlais. At this point the South Pittsburg, Tennessee doctor, faces GOP primary opposition in 2014 from state Republican Sen. Jim Tracy, of Shelbyville, and state Rep. Joe Carr, of Lascassas.
According to an article about Sherrell posted by the Tennessee Democratic Party in 2012, "As an activist and Obama campaigner, she learned that the best way to organize is through building one-on-one relationships with like-minded individuals who share a desire for a better America and a better Tennessee."


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Michael Jordan's comeback from his first retirement. His new number 45. His 55 point performance against the New York Knicks in only his fifth game back. All this lore from MJ's legacy is back this month in the form of two recreated pieces of his most important equipment that March of 1995: the Air Jordan X and his #45 Chicago Bulls jersey. Each looking like they could have just came off the court the night of March 28, 1995 when Michael dropped 55 on the Knicks, Jordan Brand brings back the remastered Air Jordan 10 Retro in the original "Chicago" colorway complete with #45 embroidered on each heel, while Mitchell & Ness offers up the matching road Bulls jersey in red.
With an interesting twist, this is actually the first time both of these artifacts from Jordan's past have been re-released. The Chicago Air Jordan 10 colorway has released before, but never with the #45 detailing. Longtime throwback supplier Mitchell & Ness has, of course, released Jordan jerseys before, but never with the #45. It's no coincidence that the shoes and jersey both happen to be releasing now, as this March 28th is the twenty year anniversary of Micheal's "Double Nickel" performance in the Garden. Enjoy this look at both pieces of recreated relics of Jordan history, and remember that the jersey releases on the anniversary of MJ's return to the NBA, March 19th, and the Air Jordan 10 follows on the date of the 55-point performance on March 28th.
The Air Jordan 10 "Chicago" releases at select Jordan Brand retailers on March 28th for $190.


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I dont like this last batch so much, too much bokeh smearing in the background. I get that you want to emphasize your subject, but I would try to do that naturally, with a short focal plane at the subject, or lighting, rather than introducing fake bokeh in post production. And your bird shots never need this kind of post editing because your afinity with bird subjects is remarkable, and you naturally are able to emphasize your bird subjects.
Also, the previous set of photos, of quaint French Glen (i think), you found some great subjects. Instead of taking the photos head on, maybe you can practice picking an object in the foreground, with the subjects of your pictures in the background. This can sometimes feel more evocative of a mood. Here are some examples:
The Hotel with the aged wooden picket fence in the foreground
The street with the old fashioned phone booth in the foreground
The old commercial space with the rusty gas pumps in the foreground
The outhouse with the ceramic toilet in the foreground
And I dont know if I would be so gutsy, but drag out that old horse carriage from the garage and take a shot of any place on the horizon with the carriage in the foreground
I normally sharpen with a radius of .7 to 1.3, I think I was close to 4.0 for these images. Whenever sharpening that heavily, it usually benefits when only applied it to specific subjects. I'll post the results in the before and after thread. It's a look into saving a soft image to at least presentable in a smaller web format.
This is the only image I bothered to smooth out the background again and it still looks like crap. I'll try processing it correctly using layers, sharpening the back layer and then using a layer mask to paint the sharpening in on just the foreground elements. I tried to fix it post-sharpening using Gaussian blur, and you can tell.
I was shooting the town as quickly as I could before taking off for the morning, I don't think the owners would have been keen with me moving stuff around, but I should definitely be more patient in composition.
Beautiful shots. Chance favored you with an overcast day at the Painted Hills. We were there with similar conditions and the colors were great.
Wow. Beautiful.
"There is no creature more arrogant than a self-righteous libertarian on the web, am I right? Those folks are just intolerable."
"It's no secret that the great American pastime is no longer baseball. Now it's sanctimony." -- Guy Periwinkle, The Nix.
"Juilliardk N I ibuprofen Hyu I U unhurt u" - creekster
And for those that are gluttons for punishment, and had not already realized that you can click on any image and get to the entire collection, here's the link to all 1109 images (so far--and not all of which are shared here).
I will continue to grow it and post selective images directly.
All very cool pictures. There's a guy at work who always wears bright neon sneakers. Now I know the look he's going for.
Just don't stand below that cliff face.


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Rakhi gift for my sister
I ordered this customized mug for my sister and she loved it soo much! Its even better than the picture. I was not expecting the mug to be this nice. It was worth the purchase.Giftalove's Customer on 27 Aug 2018


text:
Exhibition catalogue published in conjunction with show held January 9 - February 20, 1993. Curated and with texts by Christian Leigh. Artists included Pedro Almodóvar, Janine Antoni, Lutz Bacher, Jo Baer, Jean-Michel Basquiat, Raymond Bellour, Philipe Venault, Janet Biggs, Nayland Blake, Ross Bleckner, Peter Bogdanovich, Louise Bourgeois, Richmond Burton, Laurie Ann Campbell, Larry Clark, Chuck Close, Robert Colescott, George Condo, Maureen Connor, John Coplans, James Croak, Brian De Palma, Walt Disney, Jiri Georg Dokoupil, Christian Eckart, Robert Feintuch, Dan Flavin, Llyn Foulkes, Frank Gehry, Jean-Luc Godard, Robert Graham, Peter Greenaway, Robert Greene, Timothy Greenfield-Sanders, Zaha M. ... [details]
An impressive book in which Seth Siegelaub reconnects with artists he engaged with in the late 1960s within the exhibition March 1969 as well as within the exhibitions Op Losse Schroeven, Live in Your Head, When Attitudes Become Form, Konzeption Conception, and Prospekt 69. ... [details]
Exhibition catalogue published in conjunction with show held at Museen der Stadt, Köln, Germany, May 20 - August 16, 1981. Texts by Laszlo Glozer, Hugo Borger, Karl Ruhrberg, and Kasper Koenig. Artists include Laszlo Glozer, Hugo Borger, Karl Ruhrberg, Kasper Koenig, Georges Roualt, Marc Chagall, Oskar Kokoschka, Man Ray, Salvador Dali, Yves Tanguy, Constantin Brancusi, Otto Freundlich, Henry Moore, Max Beckmann, Oskar Schlemmer, Paul Klee, Julius Bissier, Fritz Winter, Kurt Schwitters, Wassily Kandinsky, Georges Vantongerloo, Jean Arp, Alberto Magnelli, Sophie Taeuber-Arp, Max Bill, Richard Paul Lohse, Camille Graeser, Julio Gonzalez, Henri Laurens, Pablo Picasso, Piet Mondrian, Joan Miró, Alexander Calder, Fernand Léger, Stuart Davis, László Moholy-Nagy, Max Ernst, Marcel Duchamp, André Masson, Roberto Echaurren Matta, Wilfredo Lam, Mark Tobey, Robert Motherwell, Arshile Gorky, Joseph Cornell, Giorgio de Chirico, Giorgio Morandi, Ivan Le Lorraine Albright, Eugene Berman, Paul Delvaux, Horace Pippin, Abraham Rattner, Stanley Spencer, Dorothea Tanning, Hans Bellmer, Balthus, Jean Hélion, Georges Braque, Jean Fautrier, Jean Dubuffet, Antonin Artaud, Henri Michaux, Alberto Giacometti, Wols (Wolfgang Schulze), Francis Picabia, René Magritte, Karel Appel, Constant (Constant Nieuwenhuys), Henry Heerup, Carl-Henning Pedersen, Willi Baumeister, Werner Heldt, Ernst Wilhelm Nay, Hans Hartung, Lucio Fontana, Jackson Pollock, David Smith, Clyfford Still, Barnett Newman, Henri Matisse, Bram Van Velde, Jean Bazaine, Serge Poliakoff, Maria Helena Veira da Silva, Nicolas De Staël, Pierre Soulages, Jean-Paul Riopelle, Sam Francis, Georges Mathieu, César Domela, Fritz Glarner, Josef Albers, Auguste Herbin, Ellsworth Kelly, Norbert Kricke, Reg Butler, Lynn Chadwick, Pietro Consagra, Etienne Martin, Herbert Ferber, Bernhard Heiliger, Barbara Hepworth, Berto Lardera, Luciano Minguzzi, Mirko (Mirko Basaldella), Eduardo Paolozzi, Theodore Roszak, Nicolas Schoeffer, Hans Uhlmann, Alberto Burri, Giuseppe Capogrossi, Emilio Vedova, K. ... [details]
Single sided postcard / announcement published in conjunction with show of video works held September 29 - October 20, 1973. Artists include Lynda Benglis, John Chamberlain, Hermine Freed, Joan Jonas, Paul Kos, Richard Landry, Robert Morris, Bruce Nauman, Richard Serra, Keith Sonnier, and Lawrence Weiner. [details]
Poster published in conjunction with the 14th Annual Avant Garde Festival, New York City, and the 2nd Cambridge River Festival, Cambridge, MA held on May 20, 1978 presented by Charlotte Moorman. Participating artists included Gregory Battcock, Joseph Beuys, John Cage, Jean Dupuy, Dick Higgins, Geoff Hendricks, Richard Kostelanetz, Suzanne Lacy, Jackson Mac Low, Eileen Myles, Pauline Oliveros, Yoko Ono, Nam June Paik, Faith Ringgold, Carolee Schneemann, and many, many others. [details]
Exhibition catalogue published in conjunction with show held June 10 - July 9, 1978. Texts by Paul Maenz, Gerd de Vries and Joseph Kosuth. Text in Dutch. [details]
Exhibition catalogue published in conjunction with "Projekt '74" held at the Wallraf-Richartz-Museum, Köln, Germany, October 19 - October 24, 1974. Curated by Paul Maenz. Artists include Art & Language, David Askevold, Robert Barry, Mark Boyle, Victor Burgin, Hans-Peter Feldmann, Hans Haacke, Joseph Kosuth, Giulio Paolini, Giuseppe Penone, Anne & Patrick Poirier, Ulrich Rückriem, Salvo. ... [details]
Exhibition catalogue published in conjunction with show held at MoMA July 2 - September 20, 1970. Curated, edited and with brief text by Kynaston L. McShine. Alleged "first edition" copies of catalogue have one or more green foredges on one side of page-edges and alleged "second printing" having all white page-edges. ... [details]
Critical anthology of essays on the Experiments in Art and Technology [EAT] Pavilion at Expo '70 in Osaka, Japan. Edited by Billy Klüver, Julie Martin, and Barbara Rose. Essays "The Pavillion," by Billy Klüver; "Into the Collaboration," by Nilo Lindgren; "Art as Experience, Environment, Process," by Barbara Rose; "Outside Art," by Calvin Tomkins; "An Overview," by Elsa Garmire; "Making of 'Fog' or Low-Hanging Stratus Cloud," by Fujiko Nakaya; "Notes and Comments on Clouds and Fog," by Thomas R. ... [details]
Issue edited by Walter Robinson and Edith deAk. Essays "Market Research," statements about artists' books by Kathy Acker, John Baldessari, Luciano Bartonlini, Roberta Allen, Ulises Carrion, Daniel Buren, Robert Delford, Brown, Robert Cumming, Ted Castle, Agnes Denes, Peter Downsbrough, Mary Fish, Jon Gibson, Peter Grass, George Griffin, Judith A. ... [details]


text:
Defense lawyers in journalist's murder case appeal verdict
MOSCOW, May 11 – RAPSI. The lawyers of Nikita Tikhonov and Yevgenia Khasis, who were convicted in the daytime slaying of lawyer Stanislav Markelov and journalist Anastasia Baburova, have appealed the verdict in the Supreme Court, defense lawyer Gennady Nebritov told RIA Novosti.
The court sentenced Tikhonov to life imprisonment. Khasis was given 18 years behind bars.
Nebritov said he filed a brief appeal, which would be followed by a complete appeal at a later point.
Lawyer Vladimir Zherebenkov, who represents the plaintiffs in the case, told the Russian Legal Information Agency (RAPSI) that the appeal might be considered by the Supreme Court in late summer based on existing practice. He questioned the validity of the appeal and the prospects of it being upheld by the court.
Markelov and Baburova were shot dead in Moscow on Jan. 19, 2009. Tikhonov and Khasis were convicted by a majority jury vote of murdering Markelov and illicit arms trafficking. Tikhonov was also found guilty of murdering Baburova and using forged documents.


text:
|Android 4.0.3 and up
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Duke and Duchess of Cambridge pay tribute to the Queen and Princes Diana by naming their daughter Charlotte Elizabeth Diana. Now the royal baby prepares for her first audience with the Queen.
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Scotty mccreery and lauren alaina are they dating buzzfeed
A lot of people messaged me that day and on the following day that they had seen the video and were surprised that someone could work so. these lamps, please refer to the brochure titled "OSRAM DULUX® EL Electronic .. High luminous efficacy (the relationship between luminous flux and power. Lauren Alaina may have showered Scotty McCreery with kisses when he competitors insist there's nothing romantic going on between them.
I guess what really motivates him is the challenge of finding all the best moves in the position. Sometimes after the game he would ask me, "So, how did I play?
World Juniors Round Parham Maghsoodloo is the champion! | ChessBase
The focus for Parham is always on making the best moves in any given position. No wonder, he is able to win game after game!
I have no doubt that in the years to come he will be one of the finest players in the world. Here's his last round win against Maxim Vavulin: Strategy, combinations, attack and defence, sacrifices and marvellous manoeuvres — exciting chess is all about the Najdorf!
After the game ended Parham came outside the playing hall we asked him for an interview. Here's the first interview with the World Junior Champion Secondly, he gets a direct entry into the World Cup If you love your sport you can be a fighter.
How Going Indie Helped 'Idol' Scotty McCreery Earn His First No. 1 Hit – Variety
Gulrukhbegim Tokhirjonova leads the Girls When the tenth round began she was the only non-Russian in the lead with 7. After the round ended she was the only one who could move to 8.
Everyone else drew their games. In the final round, Tokhirjonova takes on Dinara Dordzhieva with the white pieces in order to fight for the gold. Most web browsers automatically accept cookies but, if you prefer, you can usually modify your browser setting to disable or reject cookies. If you delete your cookies or if you set your browser to decline cookies, some features of the Services may not be available, work, or work as designed. We may also allow our affiliates, service providers, data management providers and advertisers to serve cookies or employ other tracking technologies from the Services.
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Life After 'Idol': How Going Indie Paved Scotty McCreery's Path to a No. 1 Country Hit
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MILTON KEYNES, England -- It was a fairy-tale ending for 20-year-old rookie Hinako Shibuno of Japan, nicknamed "Smiling Cinderella," who drained a 15-footer for birdie on her 72nd hole to win the AIG Women's British Open Sunday, Aug. 4, the LPGA's fifth and final major championship of 2019.
Shibuno, a rookie on the JLPGA with two wins in Japan already under her belt, started the day with a two-shot lead and finished with a final-round 68 at the Marquess Course at WoburnGolf Club for an 18-under 270 total to win by a shot over American Lizette Salas.
Despite carding a double bogey on the third hole and a bogey at the eighth, Shibuno had two birdies on the front before reeling off five birdies on the back nine, including the birdie at 18 for the win. She became just the second Japanese player to win a women's major championship, joining Hisako "Chako" Higuchi, who won the 1977 Women's PGA Championship.
Salas, who finished tied for fifth at the KPMG Women's PGA Championship in June, got off to a hot start with birdies on three of her first four holes before dropping a shot with a bogey at the sixth. She got back on track immediately with four birdies over her next five holes, capped with one more at the 15th, but missed her short birdie attempt at 18 to leave her one shot back. Her final-round 65 was low round of the day and tied the low round of the tournament.
"I told myself, 'You got this, you were made for this,'" Salas told NBC Sports regarding her birdie attempt at 18. "I put a good stroke on it. I'm not gonna lie I was nervous. I haven't been in that position in a long time. I gave it a good stroke ... and it just didn't drop."
"I'll take away a lot of positives," added Salas, whose only LPGA win came at the 2014 Kingsmill Championship. "We had a game plan at the beginning of the week and we stuck with it. We fought every single day and to play ... the way I did, I'm really happy. Obviously I could have finished a little better and it stings a little bit but I've just been working so hard this entire year and I'm so proud of my team.
"This is all great momentum going into the Solheim (Cup) and it's great for my confidence. I just turned 30 a couple weeks ago, and I just feel like I'm kind of reborn and I'm just happy to be in this position."
Rolex Rankings No. 1 Jin Young Ko (70), going for her third major title of 2019, shot 66 to finish in third place at 16 under. The finish assured her the Rolex ANNIKA Major Award, given to the player with the season's most outstanding major championship performance.
Morgan Pressel, who won the 2007 Kraft Nabisco Championship at the age of 18 but hasn't won on the LPGA since 2008, shot 67 to finish fourth at 15 under. South Africa's Ashleigh Buhai, the leader after the first two rounds, shot 70 to finish fifth.
Rounding out the top 10 were France's Celine Boutier, who shot 66 to finish in sixth place at 12 under; Spain's Carlota Ciganda, who shot 70 to finish in seventh at 11 under; and World No. 2 Sung Hyun Park of South Korea, who shot 73 to finish in eighth at 10 under. American Nelly Korda (68) and South Korea's Joeongeun Lee6, the reigning U.S. Women's Open champ, finished tied for ninth at 9 under (71).


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Best Places to Work No. 7: Tris3ct Services Inc.
Both the company's leadership and employees point to Tris3ct's collaborative and entrepreneurial environment as qualities that set it apart from other ad agencies.
This culture is reflected in the location of two officers' desks: in the middle of the company's open floor plan, where creative, sales and production personnel are seated next to each other.
"It creates a transparent environment where people can share. Things are a bit raw, but over time it breeds a level of trust," says Tim Nelson, Tris3ct's president, who occupies the mid-office space alongside Paul Kuzma, chief creative officer.
"When we're in a meeting, we expect to hear from the lowest-level person in the room," CEO Dick Thomas adds. "Unlike a lot of agencies, we hire entry-level people and put them in front of clients. These are ways to show that everybody's valued as long as they're participating."
Employees who show initiative also may receive opportunities to build up a business unit within the agency. Soraya Faber, senior vice president, was given the chance to develop Tris3ct's multicultural strategy practice and has grown it into a five-person team.
"They really allowed me to own that space and gave me a lot of freedom to do what I thought was right, and from there we earned a lot of significant business," Ms. Faber says.
The company also prides itself on taking care of its employees with benefits such as a health plan with no deductibles for in-network care and a profit-sharing plan that includes all employees, not just senior executives.
CUE THE WAGNER: Tris3ct has a small squadron of remote-controlled toy helicopters in the office, which employees try to land on a kitchen air duct. Few have succeeded.
Tris3ct Services Inc. 300 N. Elizabeth St., Chicago || What it does: Advertising || Year founded: 2005 || Local employees: 96 || Total employees: 98 || Rank in 2011: Not ranked
NOTE: An Excel version of the Best Places to Work is available in our Data Center. It includes complete contact information and links to each firm's job site.


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By Jon Casbon on 17/02/2017 at 15:46
I'm trying to find out more about this man. I've found 2 references to him in FHL microfilm of parish registers: 18 May 1791 reference to a plot of land and occupation of a cottage, and 4 Jan 1796 burial record, age 75. Based on his age, I'm guessing this is John Casborn, baptised in Orwell 1721. I believe he might be the same man who married Ann Chamberlain 18 Jan 1742/3 in Wimpole. Are there any other records that might might indicate when he was appointed Parish Clerk, or give more insight into his activities? Thanks in advance!
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While the ASX is alert after the Brexit plan being unsuccessful for Theresa, the shares went up to open the day's session at a two-month high. Both S&P/ASX 200 and All Ordinaries index are up above the 5800 levels, on the back of this situation four stocks came under discussion which have made strategic moves lately.
AUSTRALIAN MINES LIMITED (ASX: AUZ) – For the 2017-18 financial year the company received $1.9 million in research and development tax rebate. Completed at the demonstration size processing plant in Western Australia, the tax rebate was received in October 2018 and is paid about the trial activities. Australian Mines has an ongoing commitment to research and development. The stock price is trading higher by 7.692% at $0.042, and in the past year, the stock has seen a decline in performance of around 70.00%. However, the stock has a negative EPS of -0.002 AUD. The market cap as at January 17, 2019, of the company is $110.07 million. [optin-monster-shortcode id="swikrbu1d9j9aq0o4cko"]
FBR LTD (ASX: FBR) – The company believes that the information contained within the announcements on 4 December 2018 and 5 December 2018, there has potentially been a lag in the market distilling and understanding. To change the company's business model for the Hadrian technology to Wall as a Service, the announcements highlighted the strategic decision (WaaS) and the discontinuation of the MOU with Caterpillar. The stock price is trading higher by 0.091% at $0.120, and in the past year, the stock has seen a decline in performance of around 43.59%. The market cap as at January 17, 201,9 of the company is $136.59 million.
BELLAMY'S AUSTRALIA LIMITED (ASX: BAL) – The company has received a license extension from the General Administration of Customs China as it announces that Camperdown Powder Pty Limited (Camperdown) blending and canning line at Braeside, Victoria. By Bellamy's announcement dated 15 January 2018, Bellamy's currently owns 90% beneficial interest in Camperdown and will complete the acquisition of the remaining 10% in Camperdown on obtaining SAMR approval. The stock price is trading higher by 1.094% at $7.400, and in the past year, the stock has seen a decline in performance of around -46.56%. The market cap as at January 17, 2019, of the company is $828.72 million.
THE A2 MILK COMPANY LIMITED (ASX: A2M) – The company has made an announcement related to two new executives in the senior leadership with Melanie Kansil as Chief Commercial Officer and Phil Rybinski as Chief Technical Officer. The company expects that new role will enhance the strategic and technical capability to the existing experienced and strong group of executives. The stock price is trading higher by 2.014% at $11.650, and in the past year, the stock has seen an incline in the performance of around 53.91%. The market capitalization as at January 17, 2019 of the company is $8.37 billion. The company has a comparatively high P/E of 46.120 and EPS of 0.248 AUD.
This website is a service of Kalkine Media Pty. Ltd. A.C.N. 629 651 672. The website has been prepared for informational purposes only and is not intended to be used as a complete source of information on any particular company. Kalkine Media does not in any way endorse or recommend individuals, products or services that may be discussed on this site. Our publications are NOT a solicitation or recommendation to buy, sell or hold. We are neither licensed nor qualified to provide investment advice.
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6 Cannabis Stocks under Investor's Limelight…
Cannabis companies that sell both medicinal weed and recreational pot. Marijuana stocks to look at. Marijuana mergers and acquisitions. Dispensary data analytics. Upcoming marijuana IPO's Those phrases have become increasingly common as marijuana legalization spreads.
Global spending on legal cannabis is expected to grow 230% to $32 billion in 2020 as compared to $9.5 in 2017, according to Arcview Market Research and BDS Analytics. As of June 29, 2018 the United States Marijuana Index, despite a lot of uncertainty around regulations, has over the past 1 year gained 71.49%, as compared to about 12% gain seen by the S&P 500.Click here for your FREE Report


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Posted in Florida December 17, 2016
Most People Have No Idea There's A Rocket Testing Site Decaying Outside Of Everglades National Park
Everglades National Park is a beautiful and beloved nature preserve, but not many people know that there's a massive and abandoned rocket testing site nearby. This place once churned out rockets and missiles for the military, and is now one of the most impressive decaying sites in the state. Read on to learn more about the history of this place, and be sure to watch the fascinating exploration footage by YouTube channel "The Proper People" below.
Take a look at the incredible footage of this place below:


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'Tis the Season…Not to Go Broke!
The season of giving is upon us! But, before you head out
the door to join the hustle and bustle at your local mall or begin filling your
shopping cart at your favorite online shopping sites, here are a few tips to keep
you from overspending and going into debt this holiday season.
Develop a holiday
shopping budget…and stick to it!
The first and most important thing you need to do is to
develop a realistic and reasonable holiday budget. This will save you from impulse buying and
If you haven't saved already, look at your current household
budget and determine how much money you can allocate each week (paycheck) to
holiday spending. This includes gifts, food (items you only purchase during the
holiday season), decorations and travel. There may be items on your current
household budget you can eliminate until after the holidays (e.g. your daily
latte) and/or you could pick up a part-time holiday job to save even more
Look for deals
Start browsing for people on your list, looking for the best
deals. Beware…the best prices are not
necessarily found on Black Friday or Cyber Monday. These days typically offer
good deals on items like electronics, apparel and beauty products. You will
usually find better deals on toys and outerwear later in December.
Many stores will negotiate their prices to meet competitors
so you will buy from them. Doing your homework, comparing prices, before you
hit the big box stores will put you in a better negotiating position.
Use your credit cards
Using your credit cards for your holiday purchases may save
you money, especially if you utilize your card member perks/rewards, but only
if you're able to pay off the monthly balance. The interest you will have to
pay if you don't far outweighs the value of the card's rewards.
Save money on
purchases with discounted gift cards
Sites like GiftCardGranny or CardPool sell discounted gift
cards. You can use them to make in-store purchases and save on whatever you
buy. If you couple the discounted gift card with a coupon, you'll really save
money on your purchase.
Don't go overboard
buying holiday attire
You don't need a new outfit for every holiday function. Make
a few solid pieces unique by accessorizing. That same little black dress will
have a whole new look with different jewelry and shoes or a colorful scarf or a
dressy sweater or jacket. Be creative!
Hold off on self-purchases
until after the holidays
Many people like to buy that special something for
themselves during the holiday season. But, resisting this temptation will give
you more wiggle room in your holiday budget. Wait until after the holidays to
satisfy this urge by using gift cards you may have received. You will also reap
the benefits of the post-holiday sales.
People love receiving homemade gifts. So, bring out your
inner Martha Stewart and make your money go even further. Come up with more
sentimental gifts that won't break the bank.
When it's all said and done, consider your long-term
financial goals. Is it worth depleting your savings or racking up high-interest
debt for one day? Think about the true meaning of the holiday season…the
special time spent with friends and loved ones.
Have an open and honest conversation about your budget with
your family prior to the holidays. Most likely, they have been stressing about
overspending too.
From our Intracoastal Bank family to yours, have a safe and
blessed holiday season!
Remembering Jane
It's hard to believe the holiday season is just around the corner. Where did the year go? As we, the Intracoastal Bank family, happily anticipate the first holiday of this wondrous season, Thanksgiving, we are also mourning the loss of a longtime member of our banking family, Jane Worthing. Jane, who was 57, passed away recently after a two-year battle with ovarian cancer.
Jane was born in Augusta, Maine. She earned a Bachelor of Arts degree in Spanish from the University of Massachusetts in Amherst. Prior to her 8 ½ -year tenure with Intracoastal Bank, as our Secrecy Act Officer, handling compliance issues and legal requests, and monitoring accounts for fraud issues, Jane worked for the Bank of New York.
Jane will be greatly missed by her Intracoastal Bank family as well as all the customers she assisted during her time with us. Jane was considered as one of the most selfless people – always going above and beyond to help others – by both her coworkers and managers.
When Jane wasn't giving of herself through her duties at the bank, she spent her time traveling, especially internationally, reading and hanging out with her two, much cherished cats. Jane is survived by her parents, a brother and sister-in-law and a niece.
Ovarian cancer, which begins in the ovaries or the fallopian tubes, has been dubbed "the silent killer" because of its low survival rate (an overall 5-year survival rate of 47 percent). Also labeled as the "whispering disease" because no specific test diagnoses it, ovarian cancer's prognosis is unfavorable due to the delay in detecting it.
The American Cancer Society estimates for ovarian cancer in the U.S. for 2019 are:
• About 22,530 women will receive a new diagnosis of ovarian cancer.
• About 13,980 women will die from ovarian cancer.
Ovarian cancer ranks fifth in cancer deaths among women and accounts for more deaths than any other cancer of the reproductive system. Ovarian cancer mostly develops in older women, about 50 percent diagnosed at age 63 or older, and is most common in white women.
Sadly, our Jane is one of these statistics.
So, this year, as our Intracoastal family sits around the Thanksgiving table, we'll be counting our many blessings, which include our health, family, friends, and the wonderful customers we continue to serve in our community. We will also take a quiet moment to fondly remember those who are no longer with us, including our Jane.
From all of us at Intracoastal Bank, may you and your family have a safe and blessed Thanksgiving holiday!
Celebrate Fall
Fall has always been my favorite season. The time when everything bursts with its last beauty, as if nature had been saving up all year for the grand finale. Lauren Destefano
Although it may not feel like fall in the Sunshine State, there
are still many wonderful ways to celebrate the season. From activities like apple
picking and attempting a corn maze to attending the many festivals around the
state, fall presents lots of fun activities for the whole family.
Here are a few fun ideas sure to make long-lasting memories:
- Go Apple
Picking – Apple picking is a great way to get fresh produce and enjoy the
beautiful fall weather as well as a wonderful learning opportunity for young kids.
You can show them how to properly pick apples from the tree and give them the
chance to try different varieties of apples to determine which ones they like
best. Google Florida U-Pick Apple Orchards for a list of
orchards near you.
- Visit
a Pumpkin Patch – One very popular family fall activity is visiting a
pumpkin patch. Like apple farms, pumpkin patches typically have other fun
activities as well like hay rides and maybe even a petting zoo. Google Florida Pumpkin Patches for one near
- Attempt
a Corn Maze – This is a great
family activity because it gives your family the opportunity to work together,
deciding which ways you should go. Some mazes can be difficult, and it provides
a great feeling of achievement when you make it to the end. Google Florida Corn Mazes for one near you.
- Bake
a Pie – The holiday season is just around the corner, so fall is the
perfect time to try your hand at making a pie. There's some work involved in
making a pie from scratch so make it a family affair. Find a great apple and/or
pumpkin pie recipe and start baking and creating fun family memories!
- Make
Caramel Apples and Roast Pumpkin Seeds –
This a wonderful and delicious way to make use of the apples you've picked
from your apple orchard trip and pumpkin you've brought back from your pumpkin
patch visit.
- Collect
Leaves and Acorns and Do a Fall Craft –The colorful leaves and acorns that drop from the trees are one of the best
things about fall. They are great for DIY projects and decorating your home.
- Enjoy a
Fall Festival – What Florida lacks in colorful foliage, it more than makes
up for in fun and entertaining fall festivals.
North Central Florida Peanut Festival – Fun, food, games,
entertainment as well as a competition for girls and boys for Little Peanut
King and Queen. October 5 at Heritage Park in Williston.
Winter Park Autumn Art Festival – Artworks by over a hundred
artists as well as musical entertainment, food and children's activities.
October 12 to 13 at Central Park, located along Park Avenue in downtown Winter
Rattlesnake Music Festival – Features snake shows, entertainment,
food, arts and crafts…and even gopher races. October 18 to 20 at the Pasco
County Fairgrounds.
Fantasy Fest in Key West – Non-stop activities including parades,
masquerades, street parties and more. October 18 to 27.
McIntosh 1890's Festival – Residents dressed in 1890's attire and
Victorian and Florida cracker-style homes surrounded by century-old oak trees
make this the perfect backdrop for going back in time. This festival also
includes arts and craft booths as well as delicacies from many food concession
stands. October 26 along Highway 441 between Gainesville and Ocala.
Florida Seafood Festival in Apalachicola – Sample delicious seafood
and enjoy arts and craft exhibits and fish-related events and displays. November
1 to 2 in Battery Park in downtown Apalachicola.
Micanopy Fall Harvest Festival – Live music, an auction and over
200 displays of works from local and southeast artists. November 2 to 3, just
off Highway 441, 12 miles south of Gainesville
Riverhawk Music Festival – Live entertainment on three stages,
all-day kids programs, song contests, great food and craft brews, and camping
in the woods. November 7 to 10 at the Sertoma Youth Ranch in Brooksville.
Epcot International Food & Wine Festival – Sample world-class
foods and wines. Enjoy live music, cooking events as well as meet and greets
with celebrity chefs. August 29 to November 23 at Epcot World Showcase.
Helping Your Child Establish Credit
Preparing your child for adulthood is daunting. As a parent, no matter how old your child becomes, worrying about their health and safety will always remain in the forefront. However, as they begin to mature into young adults, their financial future becomes a growing concern. Often overlooked, and yet, equally as important as helping your child choose a career path that is right for them, is helping your child establish credit.
Here are a few tips to help you begin building credit for
your kids.
First and foremost, begin the "money talk" with your kids
while they are young. You should begin discussing basic financial concepts like
saving (help them open a savings account) and delayed gratification when they
are in elementary school. As they get older, introduce more complex concepts,
such as insurance, investing, credit cards and borrowing, and explain what
credit really means – the building blocks of consumer credit – and why it's so
important. As a responsible parent, you should also make sure your credit
habits provide a good example.
In addition to providing a good financial
education…foundation, the following steps will help ensure your young, adult
child is well on his or her way by the time they are flying solo.
- Help them
open a checking account. Show your child how a checking account works as
well as the penalties associated with them if they overdraw their account or
bounce checks. Once they understand and are comfortable with the basics, ease
them into a debit card. This gives them some spending independence, while
limiting it to the balance in their checking account.
- Have
them get a part-time job. A strong work ethic is a vital part of your child
becoming a responsible adult. Having a part-time job in high school provides them
with a valuable life lesson – the excitement of watching their savings grow and
the frustration of seeing it disappear, especially if it's due to a poor
decision. This lesson is a precursor to understanding credit. In addition, the
income provided by a part-time job will help them when they apply for their own
credit card.
- Add
them as an authorized user on your credit card. As long as your own credit habits are sound,
this is a good way to help your child establish his or her own credit record. As an authorized user, your teen will usually
get a credit card in his or her name, tied to your account. Typically, this
account will also go on your child's credit record.By setting ground rules for what they can charge and how and when
(on-time) payments will be made, you will enhance your child's understanding of
how credit works as well as help their credit grow.
You can also add them as an authorized user without
giving them access to the account. Without giving them the possibility…opportunity
of overspending, you can still help them grow their credit as you use the
credit card and pay it off every month.
- Have
your college-aged child apply for a student credit card. Once your late
teen has established good financial habits and income to support a credit line (usually
income from a part-time job is sufficient), they may be ready to apply for
their own credit card. These cards typically have lower credit limits and
higher interest rates than general credit cards.
- Help
your college-aged child apply for a secured credit card. This is another
option if your young, adult child is unable to get a student credit card. A
secured credit card requires the cardholder to put down a deposit, typically a
few hundred dollars, which is usually the credit limit they are given. Because
there is little risk to the bank/credit card company with this type of card,
most people can get approved.
What Does the Federal Reserve's Recent Rate Reduction Mean to You?
The recent interest rate reduction, from 2.5 percent to 2.25 percent, by the Federal Reserve doesn't directly touch any of the everyday interest rates that affect Americans. This quarter-point cut, the first cut in a decade, reduced the federal funds rate, the rate banks and other financial institutions charge one another for very short-term borrowing.
Even though most Americans don't participate in this type of
borrowing, the Fed's move will still have consequences on the borrowing and
saving rates you encounter every day.
Interest rates on car loans, credit card balances,
mortgages, etc., and earned interest on the money you save won't necessarily be
directly or immediately impacted. But, consumers could, likely, over time, experience
the following trickle-down effects.
Savings Account Rates
Savers have only recently benefited from higher deposit
rates – the annual percentage yield banks pay consumers on their money – with
several online banks offering over 2.5 percent. However, the recent rate cut
will most likely cause these rates to come down. Now is the time for consumers to shop around
for short-term rates or lock in rates with a 1-, 3- or 5-year certificate of
deposit with money that doesn't need to be readily accessible.
Mortgage Rates
According to Bankrate, the current 30-year fixed mortgage
rate is about 3.93 percent, the lowest it's been since November 2016. Because
mortgage rates are tied to long-term rates, which move well in advance of any
rate changes by the Fed, the current low rate came on the heels of the
expectation that the Fed was going to cut rates. Consequently, unless the Fed hints that more
rate cuts are on the horizon, mortgage rates are not expected to fall much
With that said, if you borrowed money to purchase a home
late last year, when the average 30-year mortgage rate was nearly 5 percent, it
may be time to consider refinancing.
Credit Card Interest
The Fed's recent rate reduction is good news for Americans
who carry balances on their credit cards. Because most credit cards have
variable interest rates, there is a direct correlation to the Fed's benchmark
With the rate cut, the prime rate lowers too, and credit
card rates will likely follow. For credit cardholders, this means you should
see a reduction in your annual percentage yield or APR (the current rates on
average are as high as 17.85 percent) within a couple of billing cycles.
With almost half of all credit cardholders in the U.S.
holding balances every month, averaging approximately $1,150 in interest
yearly, this quarter-point reduction will create some savings.
Auto Loan Rates
For those of you who are planning to purchase a new vehicle,
the Fed's rate reduction will most likely have little impact on your car
payment. However, this rate cut lowers the financing costs for car manufacturers
and dealers, which can offer a better negotiating position for the would-be car
Student Loan Rates
While most student loans are fixed-rate federal loans,
approximately 1.4 million students in the U.S. today use private student loans.
Private loans can be fixed or have a variable rate tied to the Libor, prime or T-bill
rates. Consequently, the Fed's rate cut means borrowers with variable rate loans
will likely pay less interest. If you have private, variable rate loans, you
should look into refinancing to possibly lock in a lower fixed rate.
However, as borrowers begin to celebrate this recent rate
cut, retirees have begun to worry. This type of rate reduction doesn't bode
well for returns on investments preferred by those who've left or have
immediate plans to leave the workforce.
Typically, yields on fixed annuities, CDs, savings accounts
and bonds go down with a Fed rate cut. Long-term care premiums and pensions
will also be pinched. The impact will likely not be felt immediately. Retirees'
portfolios may not feel a hit for more than a year.
Investment professionals warn retirees not to chase returns
in the market, possibly placing more emphasis in their portfolio on investments
like equities and real estate, which might not be safe for those who have a lot
more to lose and generally can't afford to take on much risk. With any rate
fluctuation, it's important to work with your financial advisor or planner to
develop a portfolio that's right for your situation.
Although the Federal Reserve's recent rate cut can be viewed
as both a good thing and a bad thing, the same as any rate increase, the
guiding force behind the reduction is heading off a recession. With this move,
the Fed hopes to prevent the economy from weakening and forestall layoffs and
other economic damages that could adversely affect everyone.
Trade School or College?
By the end of the 1950s, the focus of education in the United States shifted from vocational and job-ready skills to preparing all high school students, through college prep courses, for college. However, today, statistics indicate that the highly coveted bachelor's degree doesn't seem to carry the weight it once did.
The latest figures from the U.S. Bureau of Labor Statistics (BLS) indicate that approximately 68 percent of high school students attend college. The remaining students graduate with neither academic nor job-ready skills. But even the 68 percent aren't fairing that well. Almost 40 percent of these students, as low as 10 percent for those in poverty, don't complete a four-year college program, wasting a lot of time and money, and often acquiring significant student debt. Of those students who do graduate, the BLS found that about 37 percent end up with jobs they could've obtained with a high school degree.
In the United States, a college degree has been viewed as the pathway to success, and it still is for many. Earnings studies do show that college graduates earn more over their lifetime than high school graduates. However, these studies don't take into account the amount of debt these students take on in pursuit of higher education (the outstanding student debt balance in the U.S. was $1.5 trillion as of 2018, according to the Federal Reserve) nor that more than half of recent college graduates are unemployed or underemployed. In addition, these studies don't include data on those high school students who graduated with vocational training. These graduates have gone on to well-paying, skilled jobs, creating a rosier picture for them than many of their college graduate counterparts.
The U.S. economy has changed. The manufacturing sector is growing and modernizing. This, along with the demise of vocational education in high school and retiring baby boomer, skilled trades workers, has created, and will continue to create, a significant demand for skilled labor. The skills shortage in manufacturing today has created a wealth of opportunities for high school and unemployed and underemployed graduates alike. Many of these jobs are attainable through apprenticeships, on-the-job training, and vocational programs offered at community colleges.
Even with the above statistics aside, the traditional 4-year degree isn't for everyone. People have a diverse range of skills and learning styles. Some do best in a lecture hall or classroom, studying math, biology, history and other traditional subjects, while others learn best by doing, and would thrive in a studio, workshop or shop floor.
There are still many advantages to a 4-year degree. As stated before, most college graduates will earn more money over their lifetime, especially if they continue their studies through master's or doctoral degrees. However, the cost/benefit equation to higher education is changing every day. The education system needs to recognize this and that vocational schools can offer students with valuable skills, resulting in competitive paying jobs and a secure financial future. Students need to be exposed to the possibility of vocational training as an alternative to the college degree, helping both them and their parents see a variety of paths to a successful future.
National Internet Safety Month
June is designated as National Internet Safety Month as a
means of spotlighting the importance of safe online practices for you and your
As we head into summer, and, according to the National Cyber
Security Alliance, our children and teens begin spending an average of 7.5
hours each day with electronic devices, this month provides the perfect time to
spread awareness of the various ways we can keep our families and ourselves
safe on the Internet.
Today, with social media and social networking becoming
increasingly important in people's everyday lives, even Grandma's, ensuring a
safe online experience for you and your family can seem daunting. So, here are
a few guidelines that can help you keep the entire family safe in today's
increasingly threatening digital world.
- Home
Wi-Fi Security
Your home Wi-Fi gives your children or
grandchildren access to the Internet from anywhere in your house. This makes it
more difficult to monitor their online activity. So, make sure your Wi-Fi is
highly secured by using strong router passwords, enabling wireless encryption,
to prevent strangers from seeing or having access to your network.
- Read
Online Privacy Policies Carefully
Websites and social networks that require
basic information from you when you create an account with them have privacy
policies. So, whenever you or a family member want to join a new social network
or set up a new website account make sure you know the creator's privacy
policies – how they intend to use your information and what they do to ensure
the information you give them remains safe from dangers such as phishing and
identity theft.
- Ensure the
Whole Family Practices Safe Social Networking
Unless a social network is specifically
created for kids, a child under the age of 13 shouldn't subscribe to a social
network. However, everyone else that does should use their personal information
wisely – don't use full names, disclose birthdays or addresses. In addition,
you shouldn't discuss your vacation plans or share photos with identifiable
details (your home address, car license plate number, etc.). You should also
talk to your children about cyberbullying and online predators and stalkers.
- Ensure
Safe Online Gaming
Kids and teens can interact with
their friends and people they don't know in a fun way via live online games. However,
this can expose them to dangers such as bullying and predators. Make sure your
child uses only a nickname or an avatar (a icon or a figure) when playing
games. In addition, carefully monitor your child's play and use the parental
controls – safety measures – the game offers.
- Install
Parental Control Tools on Family Computers
Although open communication and trust
is always the best practice when it comes to your child's online use, some
extra precaution doesn't hurt. Parental control tools can block your child's
access to inappropriate websites as well as monitor their online activity.
Implementing a parental control tool isn't about spying on your child. It's
about keeping them safe from the growing number of online dangers.
- Create
Safe Passwords
Creating strong account passwords will help
keep hackers from breaching your online accounts and stealing your identity.
Create a strong, unique password for each online account and change it
regularly. Make your passwords long, at
least eight characters, and a mix of letters, numbers and symbols. Also,
whenever possible, use security questions with answers only you'd know. Teach
your family members this practice as well.
- Install A
Complete Internet Security Program on Family Computers
An effective security program will protect you
and your family from malicious links, viruses and malware.
- Only
Download and Install Software from Trusted Sources
The Internet provides access to free games,
movies, etc. However, some of them contain spyware and other types of malware
that can compromise your computer as well as the whole family's Internet
- Look for
https:// in Website URLs
The https:// at the beginning of a web
address means it's a secure site. This should appear in every bank or online
shopping site you use. In addition, if you or a family member bank or shop
online, make sure the Wi-Fi is secure.
- Recognize
and Avoid Phishing Scams
Cybercrooks are after your personal
information, and they'll use all kinds of email and text scams to try to obtain
it. Watch out for alarming messages and threats of bank account or credit card
closures. You and your family members should also be wary of requests for
charitable donations, lottery wins and giveaways as well as links contained in
suspicious looking emails, texts or websites.
- Backup
Important Files/Data on Your Computer Regularly
You never know when your computer will crash
or become the victim of an accident or a cyber attack. So, backup your home
computers on a regular basis to keep your data safe and sound.
- Stay
Informed About Internet Security Threats
The best defense is always a good offense.
You don't have to be an Internet security specialist/analyst to defend your
family from online dangers. You just need some basic knowledge. So, do your homework and stay informed.
Are You Ready for Hurricane Season?
Summer is just around the corner, and so is hurricane
season. The 2019 Atlantic hurricane season officially begins June 1 and runs
through November 30. With May 5-11 set
aside as National Hurricane Preparedness Week, there's no better time to make
sure you're ready if you live in an area prone to tropical cyclones.
Are you prepared?
to FDEM (Florida Division of Emergency Management), all Floridians should have a
disaster preparedness plan (if you don't one, this week, National Hurricane
Preparedness Week, is the perfect time to develop one) based on their own
personal needs as well as an emergency kit to sustain themselves and their
family for up to 72 hours after a hurricane strikes.
The most
important person to protect your life and property during a hurricane…or any
natural disaster is not the firefighter or police officer or a representative
from the federal government…it is you. By taking a few simple steps over this
next week, you'll be prepared if you are affected by hurricane this season.
Some initial steps
- Determine if you live in a storm surge hurricane evacuation zone or if your home would be unsafe during a hurricane. If so, determine where you'd go and how you'd get there in the event you have to evacuate. If you have pets, make sure to account for them in your plan.
- Get an insurance checkup. Call your insurance company/agent and review your current policy. Are you insured for a hurricane…repairs or if you have to replace your home? Keep in mind standard homeowner's insurance doesn't cover flooding. Whether you're a homeowner or renter, you'll need a separate flood policy. Flood insurance requires a 30-day waiting to period, so you'll want to act now.
- Develop a written plan. Begin by identifying an out-of-town contact that all family members know to reach should you become separated. This individual would serve as a contact person for family members to report to and to let them know where they are and that they are safe. Identify a location away from home for family members to meet in case your home is inaccessible. Be sure all family members are aware of this location.
- Prepare a disaster supply kit. This would include but would not be limited to the following:
food, canned and dried food or anything easy to prepare and doesn't require
refrigeration, and water, one gallon for each person per day, to last for 3
manual can opener
bags or cots
and lanterns with extra batteries
(prescriptions and over-the-counter medications)
and hand sanitizer
gear and tarps
Cell phone
all-hazards weather radio or battery-powered radio
cards and cash (bring enough cash keep you afloat for at least three days in
the event there is no electrical power to operate credit/debit card machines)
list of important contacts
5. Get
your home ready. Whether you decide to ride out the storm in your home or
evacuate, make sure your home is up to local hurricane building code
specifications and amply protected from the damage hurricane-force winds can
produce (e.g. have plywood on hand to cover windows, trim trees on your
property, have a safe place to store loose items such as porch/pool furniture,
steps are a good beginning. But, preparedness comes in all sizes, and you'll
want to customize your plan to meet your individual and collective needs.
However, the best plan for everyone is the plan that begins today. To be better
prepared to plan for, respond to, and recover from a hurricane, visit hurricanes.gov/prepare.
Nurturing the Entrepreneurial Spirit in the Workplace
Many employees have fantasized about being their own boss.
But, they typically don't act on it because of the responsibility and/or risk associated
with owning and running a company. This doesn't mean, however, these employees
don't harbor the entrepreneurial traits, which if nurtured, could take the
organization to a whole new level of success.
As businesses strive for increased competitiveness, creating
an entrepreneurial culture has become an important advantage. In today's business environment, the term
entrepreneurial means more than just the business intelligence required to turn
an idea into an enterprise. It's a skill or mindset embodying innovation,
creativity, calculated risk-taking and empowerment. It's the responsibility of leaders
to identify, tap into and cultivate these traits within their organization.
Sometimes referred to as an "intrapreneur" (entrepreneurs
working within a company), these employees can be identified by the following
- Creativity
– Innovation stems from creativity. This drives the company forward.
Intrapreneurs change the status quo and notice opportunities.
- Long-term
focus – A person who is creative and innovative must also be focused,
otherwise they will fleet from one shiny object…new idea to another. The
intrapreneur can identify what adds value to the company and what doesn't.
- Team
player – Naturally, teamwork is essential in a business. Yet, it's the
ability to realize that sometimes others have to take control that makes the
intrapreneur standout in the company.
- Risk-taker
– Playing it safe in today's world will get you nowhere. Intrapreneurs aren't risk
- Results
oriented – The intrapreneur is more concerned about the results than the process.
- Take
responsibility – The intrapreneur takes ownership of his or her successes
as well as his or her failures.
- Adaptable
– The business landscape is continually changing. The intrapreneur is very
flexible to change and can quickly adapt, especially in high-pressure
- Planners
– Intrapreneurs develop a plan and then work the plan.
- Effective
– Intrapreneurs are more interested in how effective each task or activity
is as opposed to concentrating solely on efficiency.
Once a company leader recognizes the intrapreneurs in
his/her organization, he or she must take the next steps to cultivate these
Create an environment
of empowerment
It's a business leader's actions that create an environment
of empowerment. It's his or her leadership style. Research shows that
leadership based on relationships increases the entrepreneurial spirit of the
company as opposed to task oriented leadership style. An effective leader leads
by example.
Encourage innovation
Innovation keeps a company competitive and growing. In large
companies with layers of management, the innovative spirit can often get lost.
Leaders must welcome, encourage and reward innovative thinking in the
Welcome internal
Competition amongst co-workers, if handled correctly, can
spur incentive and innovation. Healthy competition can drive co-workers to push
one another to be more productive and produce better work.
Communication is a fundamental function of good leadership.
Leaders often get so caught up in the day-to-day operations of the business
that they forget to tell their staff where they are going – the company's
vision and direction. Employees want to get the important information. They
also want to know that their concerns and ideas are being heard. Leaders must
continually communicate to their staff that the entrepreneurial approach is
valued, encouraged and rewarded.
Succession Planning…A Must for Business Owners
"If you fail to plan, you are planning to fail." -Benjamin Franklin
People become business owners for a variety of reasons. The driving force behind most business owners is the belief that they can do things better than anyone else, the allure of being their own "boss," and the ability to be the master of their own destiny and build their own wealth.
The natural evolution of being a business owner begins the minute you start or buy the business. The life cycle continues as you design, build and grow your business into something special…and profitable. However, at some point, the sooner the better, you must begin planning for an exit strategy, or a succession plan, to ensure the kind of legacy you want to leave behind with your business.
Most business owners don't prepare for their exit. In fact, a recent trust survey revealed that only approximately 40 percent of small business owners have a succession plan in place. The majority of those without a plan said that they enjoy what they do so much that they can't imagine a transition of ownership, while the remainder of the business owners surveyed said they were too busy to plan or felt that succession is still too far away in the future to begin thinking about it. But, life happens fast and unexpected life events can happen at any age. So, if you own your own business and you don't have your exit strategy…succession plan in place, it's time to get started!
How to build your succession plan
First, you must ask yourself a few important questions. Do you plan on selling your business to a third party at a certain price, do you want your business to live on through one or more or your children or do you see yourself selling to a third party yet maintaining a level of involvement in the company? This decision is key to how you will build your succession plan.
Once you've determined this, begin by taking the following steps:
1. Gather financial documents – A smooth transition of ownership begins with organizing the company's financial documents like valuation data, inventory and up-to-date financial reports (audited P&L and Balance Sheet Statements). Buyers and lenders will want to review these records to determine how the business has performed historically before entertaining a deal. Organizing and consolidating your financial documents also protects your business if an unexpected circumstance forces you to sell or a family member is left handling a transition.
2. Establish a buy-sell agreement – A buy-sell agreement is a legally binding contract that allocates portions of the business in the event an owner passes away, becomes seriously ill or is contemplating selling his or her share of the business. This agreement contains information about the business like its sale price, the value of each owner's share and stipulations such as who can or can't buy the business. A buy-sell agreement also reduces the risk of conflicts among family members or partners who may not have the company's best interest at heart.
3. Begin identifying your potential successor(s) – As a successful business owner, you've built your company from the ground up…it's your baby…your pride and joy. Consequently, you want the business to continue to flourish when you are no longer at the helm. For this to happen, you must select the right person. Finding the right person, however, takes time. Whether you choose a family member or an outsider to take over your business, you will need to train them to run the business. By having an active role in the training process, you're afforded the opportunity to develop and evaluate the critical skills and business traits of your potential successor to help ensure the long-term success of the business.
4. Establish a timeline – Set a timetable to determine when the control of your company will be turned over to your successor. Ease your successor into the transition, allowing him or her to make decisions, as well as mistakes, during this phase.
5. Execute your succession plan – If you've done your homework…the proper preparations, this should be as simple as handing over the keys. But, before you step aside make sure all your account information is organized and readily available to the new owner. As part of an exit strategy, you should have all sensitive login credentials for email servers, business software, IT systems, etc. organized and in a secure place to pass on to the new owner(s) or you should assist them with setting up new ones before you leave.
A well-thought-out succession plan is essential for small businesses and partnerships. Planning early and revisiting the plan as conditions change are the keys to a successful transition of ownership when that day arrives. With many options available to you and your business, you'll greatly benefit from the counsel of a business and commercial law attorney. He or she will be an invaluable resource in helping you design a plan that is right for your business as well as minimize your business's tax burden.


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Punk / Rockabilly from Jocke of Pluton Svea
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04. Do What You Want
05. Back With A Bang
06. Plainfield Ghoul
07. No Regrets
08. Hate KD
09. Candyland
10. Working For The Enemy
11. Green Island Hoax
12. King Of Fools
13. True Friends Always Stay
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text:
Reds: Yes. That happened.
Cards 12 Reds 11
The Reds led 7-0. The Cardinals scored 10 runs in the 6th inning and beat the Reds 12-11.
It was an embarrassing night of baseball at GABP.
The Reds have lost four in a row, 8 of 10 and have fallen a season worst 9 games under .500 and 9 games out of first place.
The Reds stand 43-52, the same record through 95 games of the 2018 team. Consider the 2018 Reds started 3-18 and 8-27.
Somehow, it seems only fitting that after all that happened Friday night the Reds lost another one run game (14-20).
To pile on further, the offensively challenged Reds collected 18 hits, scored 11 runs......and lost.
Trailing 12-9 in the bottom of the 9th, Jesse Winker singled in two runs. But Joey Votto came to the plate with runners on the corners and grounded out to end the game.
What a debut: Catcher Ryan Lavarnway went 3 for 4 with 2 HR, 6 RBI, 3 R, BB. The 31-year old had been hitting .213 in a Triple-A for the Yankees this season. Lavarnway's 3 hits, 2 HR and 6 RBI were all career-highs. He is the first player ever with more than 3 RBI in his Reds debut. His previous high of 4 RBI was set 9/14/12 with the Red Sox. He recorded his 1st MLB RBI since 9/18 of last season with the Pirates. His last prior plate appearance at the MLB level before Friday was 9/30 last season with the Pirates, a 7th inning pinch-hit single off Jared Hughes. Lavarnway's last MLB HR prior to Friday was 8/23/15 with the Braves.
The Reds hit Adam Wainright with four runs in the 3rd inning and tacked on three runs in the 4th inning to lead 7-0.
Votto doubled in a run as part of that 3rd inning outburst. It's third time he's had an RBI in consecutive games: May 26-27-31, June 23-25, July 18-19. Votto has tweaked his stance again, going more upright the last two games.
Jose Peraza roped an RBI single to extend his hitting streak to seven games. Peraza has hit .340 since June 17.
Tyler Mahle: 5.1 IN, 7 H, 4 R. Mahle also collected two hits.
Matt Bowman: 0.1, 2 H, 2 R. Jared Hughes: 0.1, 2 H, 4 R. Robert Stephenson: 1.0, 1 H, 2 R.
Eugenio Suarez was tossed after a beef with the home plate umpire over balls and strikes in the first inning. David Bell followed with his franchise record 7th ejection of the season. Peraza took over at 3rd base for his first ML appearance there.
In the 6th inning, the Reds sported an Ivy League battery of pitcher Matt Bowman (Princeton) and Lavarnway (Yale).
From listener Jeff:
2018: 59 Runs allowed in 215 Innings.
2019: 67 Runs allowed in 119 Innings.
Transportation issues prevented Amir Garrett from pitching on a rehab assignment Friday for Louisville.
Box score HERE


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