text:
Your Questions About Investing In Bonds
William asks…
What steps must I take if I wana start investing in stocks/bonds. How do I get started, I know its challenged.
I'm interested in investing-trade/stocks/bonds. What steps must I take if I wana start investing in stocks/bonds. How do I get started, I know its challenged.
Tell me how can I get started…schools..whatever available…the best…
Help me out…
financi4 answers:
Try http://www.goldenbullstocks.com
Steven asks…
How to calculate the present values of two corporate bonds? What would be the risk investing in these bonds?
First one issued 25 years ago at a coupon rate of 7% and the second 5 years ago also at a coupon rate of 7%. Both bonds have terms of 30 years and face values of $1,000. The interest rate on these today is at 10%.
financi4 answers:
Do you have a financial calc?Assuming annual payments. If so, the first bond has 5 years left (n=5). The coupon is $70 (assuming $1000 par value) so pmt=70, future value is fv=1000, and you said interes rates are 10%, so i=10. Hit PV to get $886.28. For the next one i=10, n=25, fv=1000, pmt= 70 so PV=$727.69. Since the only thing that changed between the 2 probs was n, then you could have just entered the new n and hit the PV key again. The answers are negative to show that you would have to pay out that much to get back $1000 at maturity @ 10% compounded interest.
Joseph asks…
Apart from investing in shares, bonds ond fixed deposits, what are other investment instruments can I invest?
I'm new to the investing scene so I've heard about Unit trusts being "safer" investments? What other options are available besides Unit trusts?
financi4 answers:
As a new investor, the safe option is to invest in no-load, low-expense-ratio mutual funds from Vanguard or Fidelity. Alternative investments like unit trusts are Not safer.
Michael asks…
What are the risks involved with investing in bonds?
financi4 answers:
Risks of Investing in Bonds
All investments offer a balance between risk and potential return. The risk is the chance that you will lose some or all the money you invest. The return is the money you stand to make on the investment.
The balance between risk and return varies by the type of investment, the entity that issues it, the state of the economy and the cycle of the securities markets. As a general rule, to earn the higher returns, you have to take greater risk. Conversely, the least risky investments also have the lowest returns.
The bond market is no exception to this rule. Bonds in general are considered less risky than stocks for several reasons:
Bonds carry the promise of their issuer to return the face value of the security to the holder at maturity; stocks have no such promise from their issuer.
Most bonds pay investors a fixed rate of interest income that is also backed by a promise from the issuer. Stocks sometimes pay dividends, but their issuer has no obligation to make these payments to shareholders.
Historically the bond market has been less vulnerable to price swings or volatility than the stock market.
The average returns from bond investments have also been historically lower, if more stable, than average stock market returns.
Higher Risks=Higher Yields
A specific bond's risk level is reflected in its yield, another name for return on a bond investment. "Current" yield is a function of the bond's:
Coupon rate: the annual interest rate the issuer promises to pay the investor, stated as a percentage of the bond's face value or "par," which is the amount the investor can expect to have returned on the bond's maturity date.
Current price, which may be a premium (more than) or discount (less than) in relation to the bond's face or par value.
Yield-to-maturity reflects the relationship between the total coupon interest payments remaining between now and maturity, and the difference between today's market value (price) and par value. Yield-to-call is the same calculation based on the total coupon interest payments remaining between now and the first call date (rather than the maturity date) as well as the difference between today's market value (price) and the call price.
The higher the risk in a given bond, the higher its yield needs to be to compensate the investor for taking the risk. When the market perceives the yield on a bond to be too low, its price will fall to bring the yield in line with market expectations or prevailing interest rates.
It's All Relative to "Riskless" Treasury Yields
Bonds issued by the U.S. Treasury are backed by the full faith and credit of the U.S. Government and therefore considered to have no credit risk. The market for U.S. Treasury securities is also the most liquid in the world, meaning there are always investors willing to buy. U.S. Treasury yields will almost always be lower than other bonds with comparable maturities because they have the fewest risks.
Relative yields—which may be discussed in terms of "spread" or difference in yield between a given bond and a "riskless" U.S. Treasury security with comparable maturity—vary with the type of bond, maturity date, the issuer and the economic cycle.
Callable bonds are riskier than non-callable bonds, for example, and therefore offer a higher yield, particularly if the call date is soon and interest rates have declined since the bond was issued, making it more likely to be called.
Short-term bonds with maturities of three years or less will usually have lower yields than long-term bonds with maturities of 10 years or more, which are more susceptible to interest rate risk. All bonds have more risk when interest rates are rising, but those with the lowest coupons stand to lose the most value.
Understand the Risks Before You Invest
Bonds have a role to play in virtually every investor's portfolio (See the article on Asset Allocation for more information.) Before you invest, however, you need to understand these risks of bond investments.
Risks of investing in all types of bonds: Government, Municipal, Corporate and Mortgage-backed/Asset-backed securities (MBS/ABS)
Interest rate risk When interest rates rise, bond prices fall; conversely, when rates decline, bond prices rise. The longer the time to a bond's maturity, the greater its interest rate risk.
Duration riskThe modified duration of a bond is a measure of its price sensitivity to interest rates movements, based on the average time to maturity of its interest and principal cash flows. Duration enables investor to more easily compare bonds with different maturities and coupon rates by creating a simple rule: with every percentage change in interest rates, the bond's value will decline by its modified duration, stated as a percentage. For example, an investment with a modified duration of 5 years will rise 5% in value for every 1% decline in interest rates and fall 5% in value for every 1% increase in interest rates.
Bond portfolio managers increase average duration when they expect rates to decline, to get the most benefit, and decrease average duration when they expect rates to rise, so minimize the negative impact. If rates move in a direction contrary to their expectations, they lose.
Reinvestment risk When interest rates are declining, investors have to reinvest their interest income and any return of principal, whether scheduled or unscheduled, at lower prevailing rates.
Inflation risk Inflation causes tomorrow's dollar to be worth less than today's; in other words, it reduces the purchasing power of a bond investor's future interest payments and principal, collectively known as "cash flows." Inflation also leads to higher interest rates, which in turn leads to lower bond prices. Inflation-indexed securities such as Treasury Inflation Protection Securities (TIPS) are structured to remove inflation risk.
Market risk The risk that the bond market as a whole would decline, bringing the value of individual securities down with it regardless of their fundamental characteristics.
Selection risk The risk that an investor chooses a security that underperforms the market for reasons that cannot be anticipated.
Timing risk The risk that an investment performs poorly after its purchase or better after its sale.
Risk that you paid too much for the transaction The risk that the costs and fees associated with an investment are excessive and detract too much from an investor's return.
Additional risks for some government agency, corporate and municipal bonds
Legislative risk The risk that a change in the tax code could affect the value of taxable or tax-exempt interest income.
Call risk Some corporate, municipal and agency bonds have a "call provision" entitling their issuers to redeem them at a specified price on a date prior to maturity. Declining interest rates may accelerate the redemption of a callable bond, causing an investor's principal to be returned sooner than expected. In that scenario, investors have to reinvest the principal at the lower interest rates. (See also Reinvestment risk.)
If the bond is called at or close to par value, as is usually the case, investors who paid a premium for their bond also risk a loss of principal. In reality, prices of callable bonds are unlikely to move much above the call price if lower interest rates make the bond likely to be called.
Liquidity risk The risk that investors may have difficulty finding a buyer when they want to sell and may be forced to sell at a significant discount to market value. Liquidity risk is greater for thinly traded securities such as lower-rated bonds, bonds that were part of a small issue, bonds that have recently had their credit rating downgraded or bonds sold by an infrequent issuer. Bonds are generally the most liquid during the period right after issuance when the typical bond has the highest trading volume.
Additional risks for corporate and municipal bonds and mortgage-backed or asset-backed securities
Credit risk The risk that a borrower will be unable to make interest or principal payments when they are due and therefore default. (See also Default risk.) This risk is minimal for mortgage-backed securities issued by government agencies or government-sponsored enterprises—also known as "agency" securities issued by Ginnie Mae, Fannie Mae or Freddie Mac—and most asset-backed securities, which tend to carry bond insurance that guarantees payments of interest and principal to investors.)
Default risk The possibility that a bond issuer will be unable to make interest or principal payments when they are due. If these payments are not made according to the agreements in the bond documentation, the issuer can default. This risk is minimal for mortgage-backed securities issued by government agencies or government-sponsored enterprises—also known as "agency" securities issued by Ginnie Mae, Fannie Mae or Freddie Mac—and most asset-backed securities, which tend to carry bond insurance that guarantees payments of interest and principal to investors.
Event risk The risk that a bond's issuer undertakes a leveraged buyout, debt restructuring, merger or recapitalization that increases its debt load, causing its bonds' values to fall, or interferes with its ability to make timely payments of interest and principal. Event risk can also occur due to natural or industrial accidents or regulatory change. (This risk applies more to corporate bonds than municipal bonds.)
Additional risks for callable and mortgage-backed securitiesNegative convexity risk the convexity of a bond shows the rate of change of the dollar duration of a bond (modified duration expressed in dollars rather than years or percentage). Used in conjunction with modified duration, convexity improves the estimate of price sensitivity to large changes in interest rates. Option free bonds have positive convexity; bonds with embedded options, such as callable bonds and mortgage-backed securities, have negative convexity, meaning the graph of the relationship between their price and yield is convex rather than concave. Negative convexity creates extension risk when interest rates rise, and contraction risk when interest rates fall.
Additional risks of mortgage-backed securities
Prepayment risk For mortgage-backed securities, the risk that declining interest rates or a strong housing market will cause mortgage holders to refinance or otherwise repay their loans sooner than expected and thereby create an early return of principal to holders of the loans.
Contraction risk For mortgage-related securities, the risk that declining interest rates will accelerate the assumed prepayment speeds of mortgage loans, returning principal to investors sooner than expected and compelling them to reinvest at the prevailing lower rates.
Extension risk For mortgage-related securities, the risk that rising interest rates will slow the assumed prepayment speeds of mortgage loans, delaying the return of principal to their investors and causing them to miss the opportunity to reinvest at higher yields.
Additional risks of asset-backed securities
Early amortization risk Early amortization of asset-backed securities can be triggered by events including but not limited to insufficient payments by underlying borrowers and bankruptcy on the part of the sponsor or servicer. In early amortization, all principal and interest payments on the underlying assets are used to pay the investors, typically on a monthly basis, regardless of the expected schedule for return of principal. For more information, see An Investor's Guide to Asset-Backed Securities.
Ken asks…
how would i go about investing in bonds?
i need to know who i should talk to and where should i go?
financi4 answers:
Visit www.nbtco.com
they take money out of you paycheck and send you a bond every month or so
Donald asks…
Is investing Government saving bonds a good investment?
I remember buying stamps at 10 cents a stamp to put in a book. Then took it when full to redeem for a bond. Does it still work this way and is it even wise to buy bonds anymore?
financi4 answers:
I hold many bonds (not stamp type). The ones from the 80s are earning 5 or 6 percent. Buying bonds now have very low interest, but they are considered a safe investment.
John asks…
Please help lol I would like to start investing in stocks & bonds ?
I want to start investing but I don't know where to start I Googled like a million things but I'm still lost. I tried to contact an financial advisor but no one is getting back to me as if I'm not serious about it, but I am. I really want my child to have something besides a house when I die.
financi4 answers:
Go to your local library, and borrow the book:
" Investing for Dummies ".
It does a neat job of explaining the basic terminology of stocks and the market. It gives a good, but limited understanding of the way the market works.
I consider it a very good tool, to provide you a basic foundation of the intricacies of the market and trading. You should not stop there, of course, and go on to other books as your knowledge and experience increases.
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£9,599 | Lexus GS 300 2.5 Luxury E-CVT 4dr1 YEAR FREE WARRANTY INCLUDED!
Key factsPrint summary
MASSIVE SPEC, EXTREMELY WELL KEPT, Dealership Service History and Full Hybrid Checks, 2 Keys, 1 Year Free Warranty, 1 Year Fresh MOT , White, Part Exchange Welcome, Finance Available (Ts&Cs Apply), Postcode: UB9 4DN, £9,599
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Lexus Premium Navigation w. 12.3in Multi. Screen, 18in 10-Spoke Alloy Wheels (235/45/R18), Premium Sound System, Parking Sensors (Front and Rear) with Rear Camera, Heated and Cooled Seats, Leather Seats - Electric and Vented, 2 Zone Climate Control, Alarm/Anti-Theft (with Siren and 2 Sensors), Bluetooth Mobile Phone Connectivity, Cruise Control, DAB, One-Touch Electrically Operated Front and Rear Windows, Rain Sensor, TPWS (Tyre Pressure Warning System), Tuner, AM/FM, Single Slot CD/DVD Player MP3, AUX Socket, USB Port
- 201903286368216
- 2013
- 63
- £9,599
- 960
- 197,000
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- rSFOOtDBV6I=
Technical specifications
Vehicle summary
|Body style
|Engine size
|2494 cc
|Fuel type
|Petrol Hybrid
|Number of doors
|Number of seats
|Gearbox type
|CVT Auto
|CO2 emissions
|113 g/km
|Insurance group
|Standard manufacturer's warranty (miles)
|60000 miles
|Standard manufacturer's warranty (years)
|5 years
|Standard paintwork guarantee
|No details available
Performance & economy
|Fuel consumption (urban)
|56.5 mpg
|Fuel consumption (extra urban)
|58.9 mpg
|Fuel consumption (combined)
|57.6 mpg
|0 - 60 mph
|No details available
|Top speed
|119 mph
|Engine power
|220 bhp
|Engine torque
|163 lbs/ft
|1455 mm
|Height inclusive of roof rails
|No details available
|4880 mm
|2850 mm
|1845 mm
|Width including mirrors
|No details available
|Fuel tank capacity
|66 litres
|Minimum kerb weight
|1735 kg
|Interior features
|Exterior features
|12.3in Navigation and Multimedia Screen
|18in Alloy Wheels - 10 Spoke
|12V Front Power Outlet
|Door Mirrors - Electrically Foldable - Heated - Electrochromatic
|12V Rear Power Outlet
|Electric Windows - Front and Rear
|AUX Connection
|Glass - Green UV
|Ambient Lighting - LED
|Scuff Plates - Aluminium Front and Rear
|Analogue Clock with Illumination LED
|Temporary Spare Wheel
|Ashtray - Rear - Integrated in Doors
|Water Repellent Front Door Glass
|Auto Dimming Rear View Mirror
|Bluetooth Connectivity
|Climate Control - Clean Air Filter
|Climate Control - Dual Zone
|DAB Radio
|DVD Player
|Daytime Running Lights - LED
|Drive Mode Select Controller
|Front Fog Lights - LED
|Headlights - AHB - Automatic High Beam
|Headlights - Bi-LED
|Inserts - Console - Black
|Inserts - Door Trim - Black
|Inserts - Instrument Panel - Black
|Lane Change Flasher Function
|Leather Shift Knob
|Lexus Premium Navigation System
|Power Steering - Electric Speed Sensitive
|Push Start Button
|Rain Sensing Wipers
|Remote Touch Interface
|Seats - Drivers 10-Way Electric Adjustment
|Seats - Drivers Memory
|Seats - Front 2-Way Electric Lumbar Support
|Seats - Front Heated
|Seats - Front Height Adjustment
|Seats - Passengers 10-Way Electric Adjustment
|Seats - Ventilated Front
|Speakers x12
|Steering Column - Easy Entry
|Steering Column - Electric Adjustment
|Steering Wheel - Leather
|Steering Wheel - Paddle Shift
|USB Connection x2
|ABS - Anti-Lock Braking System
|ACC - Adaptive Cruise Control
|Airbags - Curtain Shield
|Airbags - Driver 2-Stage
|Airbags - Front Knee
|Airbags - Front Side
|Airbags - Passenger 2-Stage
|Airbags - Passenger Cut Off Switch
|Airbags - Rear Side
|Anti Theft System Alarm
|Camera - Rear View with Guide Monitor
|Colour Multi Display - 4.2in
|Driving Modes - Normal - EV - Eco - Sport
|EPB - Electronic Parking Brake
|HAC - Hill-start Assist Control including Brake Hold
|Keyless Entry
|Lane Keep Assist
|Lexus Safety System Plus
|PCS - Pre-Crash Safety System
|Parking Assistance - Front Sensor
|Parking Assistance - Rear Sensor
|Pedestrian Detection Function
|Speed Sensitive Auto Door Lock
|TPWS - Tyre Pressure Warning System
|TRC - Traction Control System
|Traffic Sign Recognition
|Two Motion Door Lock - Double Lock
|VDIM - Vehicle Dynamics Integrated Management
|VSC - Vehicle Stability Control
Please note
This includes MPG figures which are calculated under European Standards, in test conditions, and will vary under normal driving conditions. The information displayed above describes the typical specification of the most recent model of this vehicle. It is not the exact specification for the actual vehicle being offered for sale which may vary. Specifications for older models may also vary. Please contact us prior to purchase to confirm the exact specification of this vehicle.
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- Description
Rawleigh® Medicated Ointment provides the time tested result to help relieve and heal both congestion and nasal irritation. It can also be used to cure muscular soreness and pain.*
Concentrated with agents such as camphor, menthol, and oil of eucalyptus, Medicated Ointment is ideal for prompt and satisfying results. It can be applied to chest and nasal areas for quick and lasting relief of minor nasal irritation and congestion. It can also be used to treat chafed skin and superficial cuts and burns. It also helps temporarily relieve anal itch and the discomfort generally associated with haemorrhoids.*
Some of the ingredients used in Rawleigh's Medicated ointment are chosen for their superior quality. Camphor, Menthol, oil of Eucalyptus, Base petroleum, mineral oil and Cocoa butter are some of the key ingredients. For instance, camphor which acts as mild anaesthetic and antimicrobial substance is an important ingredient in vapour rubs, balms and liniments. It helps relieve pain and swelling especially on the skin. It temporarily causes numbness of sensory nerve ending of the skin helping relieve the inflammation. It also helps in treating cold and coughs which is why it is an ingredient that is used in many vapours and decongestants.*
Camphor and its essential oil also
- Improves blood circulation and metabolism*
- Prevents bacterial and fungal infections of the skin*
- Relieves spasms and cramp pain*
- Reduces inflammation and the pain caused by it*
Another important ingredient, menthol is known for its cooling, anaesthetic, decongestant, antiseptic, and antibacterial properties. They help with the following:
- Calms sunburns when mixed with Aloe Vera gel*
- Reduces fever*
- Reduces inflammation that causes a sore throat*
- Reduces irritation when applied directly to cuts, scrapes and bruise*
- Relieves stress, anxiety and nervousness when used in aromatherapy *
Oil of Eucalyptus in ointments and inhalants helps relieve congestion. Eucalyptus oil in Rawleigh Medicated Ointment uses antibacterial, decongestant, analgesic and anti-inflammatory properties. Base petroleum, mineral oil and cocoa butter helps in softening and moisturizing the skin.*
* These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease. It is recommended that a physician be consulted before taking any supplements. Results not typical and may vary.
Burrow, A., Eccles, R., and Jones, A. S. The effects of camphor, eucalyptus and menthol vapour on nasal resistance to airflow and nasal sensation. Acta Otolaryngol. 1983;96(1-2):157-161. View abstract.
Dutta, B. K., Karmakar, S., Naglot, A., Aich, J. C., and Begam, M. Anticandidial activity of some essential oils of a mega biodiversity hotspot in India. Mycoses 2007;50(2):121-124. View abstract
Eccles, R., Lancashire, B., and Tolley, N. S. The effect of aromatics on inspiratory and expiratory nasal resistance to airflow. Clin Otolaryngol.Allied Sci 1987;12(1):11-14. View abstract.
Lee, H. J., Hyun, E. A., Yoon, W. J., Kim, B. H., Rhee, M. H., Kang, H. K., Cho, J. Y., and Yoo, E. S. In vitro anti-inflammatory and anti-oxidative effects of Cinnamomum camphora extracts. J.Ethnopharmacol. 1-16-2006;103(2):208-216. View abstract.
Kroll, M., Ring, C., Gaus, W., and Hempel, B. A randomized trial of Korodin Herz-Kreislauf-Tropfen as add-on treatment in older patients with orthostatic hypotension. Phytomedicine 2005;12(6-7):395-402. View abstract
- Additional Information
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- Reviews


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This post is pretty specific, but it's something I never EVER had any idea was possible during pregnancy. You read the books, you browse the phone apps, you read the weekly "here's what's coming!" and reflux is one of those symptoms you read but it doesn't have anything beside it really telling you how potentially…Read More
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Well, more than anything I REALLY prefer to be Susie Sunshine. I LOVE to blog about the best ways to find happiness in the simple things, how good can be seen anywhere and how we choose to live a very HAPPY life in this household! And…we DO!! We still do!! But in the spirit of…Read More
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This is something photographers dread and anyone in an industry where they can't miss a day! You wouldn't believe it and I won't go into details to spare you the grossness of the situation, but UPON ARRIVING at my wedding Saturday….I got really, really, really sick out of nowhere. This isn't morning sickness, I'm past…Read More


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"In a memoir, your main contract with the reader is to tell the truth, no matter how bizarre."
– Edmund White
Do you enjoy reading memoirs? Think of the last memoir which you read. It may have been recent or long ago, but what stood out about it? The memoir may have revealed a portion of the author's life. They may have gone on an extraordinary adventure or experienced a traumatic event (and came out on the other side of it). Why do we enjoy reading memoirs? I personally enjoy these because it enlightens me to the life experiences of others. You may not have the aptitude or desire to climb Mount Everest, but reading about it puts you on the mountain's summit too. You may not have the expense of globetrotting around the world, but the author's memoir makes you feel like their travel companion.
Memoirs allow us to experience life in a whole new way. While most of us enjoy just reading memoirs, a portion of us want to sit down and pen our own life story. Before you do that, however, understand that there are misconceptions to it. Here are a handful to look out as you think about your experiences and the content of your book.
Myth #1: Writing a memoir will help me recover from physical, psychological or emotional pain.
Quite honestly, I am a huge fan of writing out negative feelings. I have done this ever since I was a kid. I am not a stranger to depression or life struggles. As a child, I wore a brace on my leg which caused me to be bullied frequently. Then, I battled spurts of depression in high school and college. The depression returned shortly after my car accident in 2012 after I had to learn how to use my hands and my right foot all over again. It was a traumatic process getting past the accident but a strong and encouraging support system helped me recover from it.
There may be events in your own life which create road blocks for you. Start by sitting down at your computer and writing these out. Don't expect the words to come easy. Likewise, don't be hard on yourself if this is the case. Trauma and pain are hurdles we have to jump over. But, sometimes it's hard (and long) process. If you find that you are blocked from writing, it may be too soon. The event may be too fresh. It's possible that you're not ready to approach the deep emotions which you encountered as a result of experiencing it. And you know what — that's okay. Some day down the road (a month, six months or a year, ten years…) you're going to sit down and these words are going to flow. Writing a memoir will not always heal your pain, but it can be a great first step at looking at it in an objective way.
Myth #2: We have monopoly over our past — and everyone in it.
We all have a host of fantastic (and not-so-fantastic) childhood memories. With those memories always come people. Be careful writing about people, especially if they don't know you are writing your book. Hear me out on this. First and foremost, everyone has a different perspective. Your first boyfriend may have a completely different perspective of your first date. Interview him for your book if you want to be a hundred percent accurate. Each claim you make in your book should have proof or evidence to support it. Realistically, I would go as far as changing the person's name for their protection. This puts doubt in the reader's mind that you're writing about a real-life person.
Do you own your memories? Absolutely. On the contrary, freedom of speech is not absolute. Defamation, slander and libel are all not covered under the first amendment. Defamation are false statements which damage a person's reputation. Be cautious of libel (written defamation) and slander (oral defamation) because they could easily turn into a court case. These may be regulated by different statutes within each state throughout the United States.
While anecdotes and personalization are important in memoirs, it may be best to stick to the truth and only the truth. Don't blur the lines and tell half-truths about anyone involved. This is how most defamation cases arise. While the memoir is about a portion of your own life, it may be interesting to include the perspective of another person involved in the situation. Readers are going to enjoy this in-depth writing because they're getting all sides of the story. It makes your story well-rounded; and, it makes you (the author) more credible.
Myth #3: Memoirs cover your entire life.
This is a complete misconception. Most memoirs I have read only cover a portion of the writer's life. Anything else would be fluff and dull to the reader. We don't want to read a play-by-play of every second. Choose the highlights and put them in your book. Have a brainstorm session if you don't know the focus of your book. What has been the high points of your life? Write a list of 5 events. Now, explain more in-depth how you got there. Maybe you're a star athlete who's been skiing since you were five years old. Even those that don't enjoy sports would enjoy your book. It focuses on your career and the process of achieving your life dream. Focus on your message. What can people learn from your book? Why would they care about what you write? Hook them with an anecdote of your passion and you're going to keep them until the last page.
Myth 4: You're writing a memoir only for family.
Are you? Think about your target audience. Brainstorm who would be holding your book in a bookstore. This goes back to focusing on your book's message. You have a wonderful story to tell readers. You have a powerful voice. Writing for family is a fantastic goal — but don't clip your wings. You are so much more than a hobby writer. Your memoir has the ability to climb the best seller's list if that is your goal. Make that your goal and you're sure to achieve it. You have the capability of writing an awesome memoir. Don't let these misconceptions stand in your way. Get back to writing!


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The Mandalorian's Popularity | The Loop
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Alec sends Bet his change of address and nothing else on their anniversary. Vicky phones Bet after getting Alec's new address and demands to know what's going on. She takes the news of the spilt badly. Alf tries to get out of his bet with Percy. Don starts to get out and about, he meets Jack and agrees to watch Percy's bowling match with him. Alf is amazed when Percy beats a semi-pro and gets through to the quarter finals. Nicky finds Weatherfield Comprehensive frightening. He feels better after talking to Carmel Finnan who advises him not to give in. Lisa feels suffocated by Vera's attention all the time. After letting everyone think she doesn't care about Alec, Bet has a quiet weep whilst on her own.
Regular castEdit
- Martin Platt - Sean Wilson
- Gail Platt - Helen Worth
- Nicky Platt - Warren Jackson
- Sarah Louise Platt - Lynsay King
- David Platt - Thomas Ormson
- Vera Duckworth - Elizabeth Dawn
- Lisa Duckworth - Caroline Milmoe
- Jack Duckworth - William Tarmey
- Ivy Brennan - Lynne Perrie
- Rita Sullivan - Barbara Knox
- Betty Turpin - Betty Driver
- Raquel Wolstenhulme - Sarah Lancashire
- Bet Gilroy - Julie Goodyear
- Audrey Roberts - Sue Nicholls
- Deirdre Barlow - Anne Kirkbride
- Alf Roberts - Bryan Mosley
- Victoria Arden - Chloe Newsome
- Des Barnes - Philip Middlemiss
- Don Brennan - Geoff Hinsliff
- Liz McDonald - Beverley Callard
- Percy Sugden - Bill Waddington
- Phyllis Pearce - Jill Summers
- Alma Baldwin - Amanda Barrie
Guest castEdit
- Rovers Return Inn - Public and hallway
- 5 Coronation Street - Downstairs rooms
- 8 Coronation Street - Downstairs rooms
- 9 Coronation Street - Back room/kitchen and hallway
- 10a Coronation Street - Living room and kitchen
- Corner Shop
- Franklins Bookmakers
- Codrington School - School grounds
- TV Times synopsis: Bet receives some post from Alec. Could it be anniversary card?
- Viewing Figures: UK broadcast - 17,790,000 viewers (2nd place).
|September 1992 episodes
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Certified. Black 2019 Toyota Sienna LE 8 Passenger FWD 8-Speed Automatic 3.5L V6 SMPI DOHC **TOYOTA FACTORY WARRANTY**, **BOUGHT, SERVICED AND TRADED AT EXPRESSWAY**, **SERVICE RECORDS AVAILABLE**, **RECENT EXPRESSWAY TRADE IN**, ***ONE OWNER***, **CLEAN CARFAX....NO ACCIDENTS!!!!**, **TOYOTA CERTIFIED**, ABS brakes, Bumpers: body-color, Compass, Electronic Stability Control, Front dual zone A/C, Heated door mirrors, Illuminated entry, Low tire pressure warning, Power door mirrors, Remote keyless entry, Roof rack: rails only, Spoiler, Traction control.Toyota Certified - Limited Time Offer - 7YR/100K Warranty - Recent Arrival! 19/27 City/Highway MPGToyota Certified Used Vehicles Details:* Roadside Assistance* 160 Point Inspection* Vehicle History* Limited Comprehensive Warranty: 12 Month/12,000 Mile (whichever comes first) from certified purchase date. Roadside Assistance for 1 Year* Warranty Deductible: $50* Transferable Warranty* Powertrain Limited Warranty: 84 Month/100,000 Mile (whichever comes first) from TCUV purchase dateThis has been Expressway SuperSaver Value Priced, below the competition, using Live Market Pricing Technology, saving you both Time and Money! You'll never pay too much at Expressway! The Best Way! The Most Value For The Lowest Cost! COME VISIT US AT EXPRESSWAY TOYOTA SCION. HOME OF THE SUPERSAVERS!
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Are you feeling motivated to find a fitness routine you love (or can at least tolerate) but are having trouble getting off the couch and into workout mode? You're not alone.
While those who just love exercise might seem like a foreign species to you, there are some simple steps you can take so that you too can workout with a smile on your face and maybe even look forward to it!
Here are some of our favorite tips to make working out feel less like torture and more like, dare we say it, fun!
Find a Friend
Having a workout buddy can make you look forward to your sessions at the gym or classes at the studio, as well as hold you accountable. After workout coffee or lunch dates are always a perk, too. And a friend can also mean your S.O.! Couples who sweat together, stay together!
As an extra bonus, many gyms and studios offer "bring a friend" discounts or passes, so it's a great way to introduce others to your favorite spot and vice versa.
Track Your Progress
Sometimes all you need for motivation is a little friendly competition—with yourself. Luckily, there are tons of apps at there that can track exercise metrics including calories burned, distance traveled, pace kept, and more.
Another great way to monitor your progress, though, is to step away from the data (this includes the numbers on the scale) and go for more qualitative measures instead. How your clothes feel, how well you sleep at night, and your energy levels are all signs that you're well on your way to a healthier you.
Try it All
It's easy to get discouraged from working out if you've only tried one or two workouts or classes that you've absolutely hated. There are tons of options out there, and the best way to learn to love exercise is by finding the right program for you. From low-impact yoga or barre, toning Pilates, cardio like running and kickboxing or intensive high interval training, if you try a variety of options you're bound to find a favorite over time.
It's human nature to enjoy something a bit (okay, a lot) more when you know you're getting something out of it. When it comes to exercise, the benefits (both physical and mental) are plentiful, but sometimes you might need a bit more.
Maybe you respond well to challenges, like consistency or leaderboard contests offered by your gym or treats you can reward yourself with on your own. Perhaps after hitting a goal of say, four workouts a week consistently, you'll reward yourself with a mani/pedi, or splurge on a new pair of leggings or sneakers after a particularly great month.
Entertain Yourself
It's almost impossible not to multitask these days, and working out can be no different. (In a good way, of course.) Whether you opt to listen to your favorite playlists, audiobook or podcast, you can begin to look at working out as a 2-for-1 entertainment experience, too.
If the machinery of choice allows, why not tune into your favorite show while riding a stationary bike or working out on the treadmill? You'll be able to binge watch without any of the guilt, so it's a win/win.
Just be sure to stay away from the work emails and calls while enjoying your "me" time; those potential stressors can wait.


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I have Office 365 from GoDaddy and I'm using it to send emails from a website. I have been getting the following error: Client was not authenticated to send anonymous mail during MAIL FROM [YQBPR0101CA0069.CANPRD01.PROD.OUTLOOK.COM] or a timeout.
Anyone can help? Is this type of email account allowed to send emails from a marketing service using SMTP??
The configuration is:
SMTP Secure: TLS
SMTP host: smtp.office365.com
SMTP port: 587
SMTP Auth: enabled
Solved! Go to Solution.
This must be one of the most common FAQ questions on GoDaddy - what is the correct way to send SMTP email from PHP and/or WordPress?
Is there a solution to this?
I have a WP Managed website with Go Daddy hosting. 365 email and unable to receive emails from the WordPress and Woocommerce via SMTP. HELP!
I'm fairly certain that GoDaddy makes you purchase o365 from them directly if you want to use smtp. We are a Microsoft CSP and that is just simply not an option for us. Just GoDaddy doin GoDaddy things I guess...
Did you solve this problem?
Hi, Here's an article from Microsoft that may help you resolve this issue - https://docs.microsoft.com/en-us/exchange/mail-flow-best-practices/non-delivery-reports-in-exchange-...
It refers to you error
|Client was not authenticated
|The sending email system did not authenticate with the receiving email system. The receiving email system requires authentication before message submission.


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To the Editor:
There is a crucial Democratic Primary on Tuesday, June 28, and I urge all Democrats in the 19th Congressional District to go to the polls in support of an outstanding candidate: Zephyr Teachout.
Teachout, who challenged Governor Cuomo in last year's, primary, is largely credited with pressuring the governor to ban fracking in New York State.
She is a progressive reformer with a national reputation for organizing and getting things done. She speaks nation-wide on the subject of corruption in government. She will fight in Congress for meaningful action in such fields as public education, renewable energy, small business owners, and the working poor. She believes that every person deserves respect and a chance to be heard.
Teachout lives in Dutchess County and teaches at Fordham Law School
The 19th CD has been considered a "safe seat" for Republicans, and they will spend thousands of dollars to keep it that way. Zephyr Teachout has the skills, experience, and passion to meet the opposition face to face and triumph. Let's' help her do it.
Clare Brandt


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This Friday I turn 53 and it is often a time I look back at my life and reflect. (It is also a time where my nightmares come back full force as I relive my childhood at night when I'm asleep). I have done everything I can think of to get my parents investigated for […]
Looking Back As My Life As a Whistle Blower
The Book That Caused a World Wide Mass Hysteria- A Hoaxtead Research Fable
Way back in the 80's- there was once a book entitled "Michelle Remembers" that caused a world wide mass hysteria that included the US, the UK, and Australia. The 334 page book convinced the entire world that children were being abused in the most horrible ways by people who believed in the devil. People around […]
New Paranoia Magazine Article: Lucien Greaves and this Satanic Movement Fraud- A Case of Extraordinary Deception
Lately we have been hearing a lot about this whole satanic fiasco in the media- being led by Lucien Greaves. He threw a satanic rally for Florida governor Rick Scott, has brought satanic literature in the form of coloring books to Florida school children and has pushed satanic prayer preceding several public events around the […]
The Games Being Played Concerning the Hampstead Case- A Detailed Explanation
Look, this whole dog and pony show that is going on concerning the Hampstead case in the UK isn't really all that hard to understand- and when you look at the history of all of this- you will begin to understand this is how the game has ALWAYS been played. Right now, the royal family […]
Jesus May Attract Hypocrites, But Judging by Doug Mesner ask Doug Misicko aka Lucien Greaves and His Interview with Fox, Satan Is Scraping the Bottom of the Barrel
You know, I have a lot of lies published about me by this leader of the Satanic Church- and it used to really bother me. That was until I watched the interview he had on Fox with Megan Kelly. After watching this interview- I totally understand now. With his slow speech impediment and a face […]
The Distinction Between Satanism and Luciferianism
I think it is appropriate at this time to distinguish between these two thought processes- since they are not the same thing as some people may believe. Anton LaVey – who headed up The Church of Satan, was a Satanist. Organizing his sect in the 60's, his idea was to mock Christianity and God as […]
Why I- David Shurter- Took A Break from Battling Satanism
The address for the talkshoe program is talkshoe.com, id# 123756 and it is Episode 8 to hear the other side of the story from the same Dorelliun who left the scathing review.
Florida Town Must Open Meeting With Satanic Prayer or Violate Supreme Court Ruling
The world is going to hell and it is being driven by insolent young ass wipes who have no morality or judge of what is sacred. They all follow their newly appointed leader- Lucien Greaves- who is quoted as saying…. "Let us stand now, unbowed and unfettered by arcane doctrines born of fearful minds in […]


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Bill calling for price equity for items marketed to females fails
Legislation prohibiting stores in California from charging more for products intended for females than for substantially similar items aimed at males has been scuttled in an Assembly committee under opposition from business groups.
The bill, SB899 by Sen. Ben Hueso, D-Logan Heights (San Diego County), cleared the state Senate last month on a 22-12 vote, mostly along party lines. But Hueso withdrew the bill Tuesday after fellow Democrats in the Assembly Judiciary Committee insisted on amendments that would have severely weakened it, said the Consumer Federation of California, the chief sponsor of the legislation.
State law has prohibited sex discrimination by businesses since 1959 but it hasn't been applied to disparities in pricing. A 1995 law banned price discrimination in services, like haircuts and dry cleaning, but didn't cover consumer products.
At a state Senate committee hearing, one lawmaker said he had seen a blue package of 12 Gillette Sensor disposable razors selling for $7.99 at a major retailer, while a dozen pink Gillette Daisy razors for women were priced at $12.99. Anther lawmaker said she bought her granddaughter a red scooter marketed for boys because the pink one cost $20 more.
A study in December by the New York City Department of Consumer Affairs, based largely on prices charged by nationwide retail chains, found that women paid higher prices than men 42 percent of the time for products with similar materials and general appearance, while men paid more 18 percent of the time.
SB899 bill would have forbidden any gender-based discrimination in retail pricing. To address businesses' objections that some goods for women cost more to produce, Hueso amended the measure to apply only to products with substantially similar content, quality and production costs.
But the California Retailers Association, in a letter to lawmakers, said the legislation would require a retail supply chain to establish different pricing standards for California than for other states, and would leave "thousands of products open to numerous threats of litigation."
Richard Holober, executive director of the Consumer Federation of California, said business organizations were behind the amendments that led Hueso to shelve the bill. One would have eliminated the original bill's provision for damages of up to $4,000 for violations and allowed only refunds to aggrieved consumers. Another would have required the customer to prove that the two products were "virtually identical" rather than "substantially similar."
Holober said his organization would try again next year. Women already earn less than men in wages for similar work, he said, "and then when they spend their hard-earned dollars, they're charged more."
Bob Egelko is a San Francisco Chronicle staff writer. Email: email@example.com Twitter: @egelko


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Relationship Tips: A Heater Installation Might Help With Intimacy
You may be looking for ways to spice up your love life. Perhaps you have tried numerous methods, but have you tried manipulating the temperature in your home? Temperature affects many things, from your mood to a good night's sleep. And a heater may help increase intimacy and romance in your home. The following are a few ways that a heater may change your love life. Use a Heater to Fight Libido-Killing Symptoms…Read More »


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The AgBMP Loan Program provides needed funding for local implementation of clean water practices at an extremely low cost, is unique in its structure and is not duplicated by any other source of funding.The AgBMP loan program provides 3% loans through local lenders to farmers, rural landowners, and agriculture supply businesses.
This project will support construction of three watershed framework models built using the Hydrologic Simulation Program FORTRAN (HSPF). These executable models will simulate hydrology at the subbasin scale. An HSPF model will be built for each of these major watersheds: Crow Wing River, Redeye River, and Long Prairie River.
This project supports monitoring and assessment activities by MPCA EAO staff and includes lab analysis, equipment, and fieldwork expenses associated with monitoring and assessment activities.
Lake Monitoring: Lakes are monitored for nutrients, clarity and other information to provide the data needed to assess the aquatic recreation use support.
This project will complete a chloride management plan which will lay out a strategy for addressing chloride impacts to our surface waters for the 7-county metropolitan area. This chloride management plan will satisfy EPA requirements for impaired waters, address waters not yet listed, and develop a strategy to protect waters that are currently meeting the water quality standards.
This project will provide the MPCA and all local partners in the Twin Cities Metropolitan Area (TCMA) the information and tools necessary to improve and/or maintain water quality with respect to chloride for the 7-county metropolitan area during the winter maintenace period.
This project will provide the monitoring of reaches where there are data gaps, incorporate new data and analyze relevant data, identify pollutant sources, hold a stakeholder meeting, and gather information towards the future development of a Draft Restoration (TMDL) and Protection Plan.


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At Highmark Health, we continue to uphold a strong tradition of hands-on community support and philanthropy established more than 170 years ago by our affiliate companies. We believe that we have a fundamental responsibility to be leaders and stewards in the community, working to improve the health and well-being of those we serve by giving back to, reinvesting in, and strengthening the communities where our customers and employees live, work, and play.
Each year, Highmark Health and our affiliates, including our affiliated foundations, collectively provide millions of dollars to support stronger communities of healthier people. Our employees also log thousands of volunteer hours in our communities each year.
Along with our affiliated businesses and foundations, Highmark Health contributed more than $224 million to building stronger communities in 2018. That includes charity and uncompensated care, health coverage for those unable to pay for services, funding for a wide range of community health programs, and much more.
But financial support is just part of our commitment to being actively engaged in our communities and doing what's right. You can also see our commitment at work in programs like Highmark Walk for a Healthy Community, the free support offered to grieving children by the Highmark Caring Place, advocacy for diversity and inclusion and environmental sustainability, and the efforts of our employee volunteers.
Highmark Health builds on a strong tradition of hands-on community support: Some of our affiliates have been helping their communities for more than 170 years.
In addition to reading about enterprise-wide giving in our annual report, visit the home page to learn more about community-building efforts on each business' website.


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Tag Archives: positive
Words to Live By
To start the new year our pastor, Craig Groeschel, taught a message called Words to Live By (click here to go watch it). This message really impacted my thinking, and continues to do so today. I have to admit that I … Continue reading
Battling Negativity
The mornings are becoming a challenge at home…and even the afternoons are proving to be a little difficult. I am noticing a serious thread of negativity plague this home of ours, and it is bothering me. It's also very hard … Continue reading
Turning Negative Thoughts Around
I am really hard on myself usually, and as I've read some home school blogs, as well as some FB status updates, I feel like I am doing something wrong – my kids aren't as advanced as this kid, or … Continue reading


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A PRISON warden has been suspended amid allegations he made a racist comment in front of two Liverpool sisters jailed for drug smuggling.
Kemi Osagie, 22, and Natasha Osagie, 21, who were dubbed the Cocaine Queens, claim they were subjected to a racist taunt by a guard at their prison.
The sisters from Toxteth were sentenced to eight years in April for their involvement in an international crack-cocaine smuggling ring.
It is claimed a male warden, who has not been named, made the alleged racist comment in front of the sisters and a group of fellow inmates at Foston Hall on November 12.
Home Office prison chiefs today confirmed a warden, temporarily based at the Osagie's prison in Derby, had been suspended while a full investigation got under way.
A spokeswoman for the prison said: "An officer from HMP Sudbury has been suspended for an alleged verbal abuse incident, which took place whilst he was on temporary duty at HMP Foston Hall, pending results of a full investigation."
The sisters, from Boswell Street, were jailed after they were caught trying to hand over more than £200,000 worth of cocaine at Heathrow airport after arriving from Grenada in February 2003.
The police investigation resulted in the biggest ever UK seizure of crack cocaine, worth around £1m.
Kingston crown court, Surrey, heard drug baron Lincoln White recruited the sisters to bring cocaine into the country.
Jamaica-born White, 39, sent them to destinations including Mexico and St Lucia to pick up the drugs.
White, from Dulwich, London, was handed two 25-year sentences for importing and supplying.


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In my last blog I pointed out how you can feed your family in a way that makes you feel positive about the experience, and does not cost the farm! All of these ideas and more can be found in my book, "How to Beat a Tough Economy: A Mom's Survival Guide to Living on a Tight Budget."
Today I wanted to share with you a few more ideas and we start with leftovers; those fridge inhabitants that we forget about until they turn into science experiments – yuk! Don't forget them, "upcycle" them instead. For example, let's say you made up a nice big bowl of mashed potatoes to accompany your dinner. In the case of leftovers, and by the way, you may want to actually make sure you have leftovers for this recipe, here is a yummy recipe for you. This and many more ideas are included in the book.
Mash Potato Pancakes: To 3 cups of mashed potatoes add 2 eggs, 1 Tablespoon of flour, some minced onion and a dash of nutmeg. Spoon ¼ cup of the batter onto a hot griddle, flatten, and cook on both sides until lightly browned. Serve topped with crumbled turkey bacon and/or sour cream or applesauce and you have a meal.
How about substitutions? For time-challenged moms, having to make a last minute run to the store can really throw you off your game. I have listed several surprising substitutions that will carry you through to the next grocery store trip. Did you know you could substitute the oil in baked goods with equal amounts of no-sugar-added apple sauce? It won't change the flavor or texture, and save you on calories – now that's a good deal!
Stay tuned for my next blog where we will talk about easy to make mixes to have on hand (super easy, very inexpensive and no scary ingredients) for everything from brownies to crisp coating mix!


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All interested stakeholders are invited to attend! The Round Table is the forum for reviewing progress on the Kettle River Watershed Management Plan, providing stakeholder feedback on priorities and actions, and sharing information about ongoing watershed issues. The Round Table meets as a special meeting of the Implementation Advisory Group, which will also be launched on June 3.
This meeting is also open to the public; please forward the invitation to key contacts.
The meeting will be held on June 3 from 12:30-4:30 in Grand Forks at the Senior's Centre in City Park. Please respond by June 1 if you or a representative are able to attend.
Revised Agenda:
- 12:30-1:00 – Light lunch (please RSVP)
- 1:00-1:15 – Welcome and introductions (Roly Russell, Implementation Advisory Group Chair & Grace McGregor, Steering Committee Chair)
- 1:15-1:45 – Overview of Advisory Group & Round Table Roles and Process (Roly Russell)
- 1:45-2:45 – Overview of Phase 3 Implementation – priority strategies, actions, and progress on key initiatives. Phase 3 Work Plan (Graham Watt).
- 2:45-3:00 – Break
- 3:00-3:35 – Bringing Pacific Salmon back to the Upper Columbia (and the lower Kettle) – Michael Zimmer, Biologist – Okanagan Nation Alliance
- 3:35-3:45 – Update on Kettle River Fishing Regulations
- 3:45-4:30 – Round Table Questions & Feedback
- 4:30 – Adjourn
We request that interested members of the former Stakeholder Advisory Group or others put their name forward for consideration for the Implementation Advisory Group to me or to Roly Russell (firstname.lastname@example.com) by the end of day on Monday, May 25. A Terms of Reference has been developed by the Steering Committee for the Advisory Group that identifies its structure and composition; a small number of positions on the committee are available, and the Steering Committee will finalize composition and selection and will contact invited members in advance of the June 3 meeting.


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The Million Dollar Darting Question
I have often wondered and speculated on what it would take to turn the game of darts in America to the sport of darts that England knows today. The debate has rolled on and on with a plethora of ideas on what can be done, yet I wonder, how can we really do it? Some say, that a professional tour needs to be developed, yet, what will we develop and who will devote the time and effort to do so? Some say that tournament formats need to switch to less events and higher payouts for the singles. Yet, who is going to make those changes, or try to ensure that this happens? Should we just, as a nation, throw everything as we know it out the door, forget all that has happened, and start with a fresh clean slate?
We often find that we are very much a "stereotypical" type of nation. Once we get it in our heads that this is the way things are perceived, it is a rough road to travel to change those opinions. Could our stereotypical opinion of dart players in the US be changed? It seems to be an unknown answer to a very tough question. In the UK, darts is part of their culture and what they grow up with, whereas in the US, it is not. However, there are many other games/sports that started in other cultures that we seem to have no problem embracing in the US. Why does it seem that darts cannot? Is this why we are failing as a nation to compete?
Many times I wander back in time to the early 80's where darts was on the rise in the US. What was it then that we are missing today? Why was it so successful, yet now we cannot seem to find that secret to success? Where did it all go? Was it the people involved that disappeared and they did not forward their knowledge on to new blood? Was it the changes introduced in tournament formats? Was it the influx of the soft-tip generation? We seem to want to always find a culprit in the demise, yet we cannot find an answer to fix it.
We tout the US players of today as the legends of tomorrow, yet they cannot seem to step up to the level in international play as much as the actual legends of years before them have done. Yet we do not seem to remember, or even care to know the past legends or their accomplishments. Maybe what made them the legends of days gone by needs to be relearned by the players of today before they can progress to become the legends of tomorrow?
We all have ideas on what could, should or might be done, yet we seem to be stagnating as a nation without any efforts to progress further. What will it take? Ahhh…..the million dollar darting question.


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Nicole Polizzi/Instagram
LaValle, party of five!
Nicole "Snooki" Polizzi and her husband Jionni LaValle welcomed their third child together on May 30—a baby boy named Angelo James LaValle. He weighs 7 pounds, 8 ounces and she was more than ready to meet her little boy in the days leading up to his birth. Four days before having him, she wrote on her Instagram Story, "Come out you little s--t." It's all out of love!
On Saturday, the Jersey Shore star posted some photos on her timeline and Instagram Story of herself with Angelo. She also shared some totally heartwarming snapshots of her kids Lorenzo LaValle and Giovanna LaValle holding baby Angelo.
"MY SQUAD," she captioned the pictures. "So proud of Lorenzo & Giovanna for killing it with Angelo! #ProudMawma"
In the first picture, Angelo rests in Giovanna's arm while Lorenzo wraps his arm around both of them. In another picture, the big brother snuggles with the newborn.


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Florida State starting Quarterback Jameis Winston is not going be charged in a sexual assault case stemming from late 2012. Winston was cleared after State attorney Willie Meggs announced the decision during a conference Thursday at the Leon County Courthouse. Meggs cited the accuser's changing story as the reason Winston was not charged.
"We've carefully examined all the evidence in this case and have concluded that no charges will be brought against anyone in this case," Meggs said.
Winston was facing an immediate suspension if he was formally charged on Thursday. With his name in the clear he now is the favourite to win the Heisman Trophy and his team is now the front-runner to win the BCS National Championship. Meggs answered questions regarding favouritism shown towards Winston due to his high-profile athletic status.
"We try to treat everyone fairly and I think we have a track record of doing that," he said.
Whether Winston was treated like a college star or a regular Joe it does not change the fact that the accuser's story was fairly inconsistent. In the warrant, the accuser said that she and a group of friends had shots at a local bar and her "memory is very broken from that point forward." Despite her comments toxicology reports showed that she had small amounts of alcohol in her system and that there was no evidence of drugs usage, including the popular date rape drugs. The accuser said that she recalled being in a taxi after the trip to the bar with a man and they went to an apartment before she was raped. After the rape she recalled the man dressing her and dropping her off at an intersection.
"Her recall of the events of that night have been moving around quite a bit," said Meggs. He noted that pairing up the accuser's memory lapses and her lack causes for such forgotten memories made it difficult to press charges.
The accuser's attorney, Patricia Carroll, released a statement after Meggs spoke and displayed worry for future rape victims. "The victim in this case had the courage to immediately report her rape to the police and she relied upon them to seek justice. The victim has grave concerns that her experience, as it unfolded in the public eye and through social media, will discourage other victims of rape from coming forward and reporting."
Which leads to a tough median. The desire to stand up for a potential victim's rights has people quick to assume there is a cover up in the works, but the accuser's lack of a solid story doesn't provide much evidence. Carroll, however, feels differently. Two weeks ago she wrote that a Tallahassee police officer told her that the city is a "big football town, and the victim needs to think long and hard before proceeding against [Winston] because she will be raked over the coals and her life will be made miserable." That statement alone leaves enough bait for anyone to assume that the city and school are putting a star athlete above of the law and rights of a young woman. The length it took this decision to come to light also adds to the conspiracy. The incident was reported by the accuser nearly a year ago, but Tallahasee police put the case in "open/inactive" status because the accuser had no desire to prosecute Winston, Carroll, however, denies this claim.
While people will still continue to insist that the law has once again been put aside in favour of a local football team, the accuser's changing story lacks the substance to charge Winston, whether he was shown favouritism or not.
By James Hadley


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Head Coach Pat Shurmur
Q: How big a loss is it not to have (Eli Apple) and (Olivier Vernon)?
A: Certainly any time your first line players go down, but we've got guys that we trust and we're going to put them in there and we trust that they're going to go out there and play well.
Q: How big of a challenge is it for (B.W. Webb) or (Donte Deayon), whoever you've got there?
A: I think they have fine receivers, so anybody that we put out there, it's going to be a challenge, but we've got a good plan, we're confident, and we feel like they're going to play well.
Q: You've played them both inside and outside, but do you have a preference to keep Deayon in one of those two spots if you can?
A: I think he has ability to play in and out, and so wherever he ends up, dependent on the defense that's called, we feel confident he can play both in and out.
Q: What stands out with Deayon with his size, or lack thereof – how is he able to overcome that?
A: He's a good cover guy and he has a good knack for getting his hands on the ball. Even though he hasn't secured some of the interceptions, he's at least getting his hands on the ball. We've just got to finish those with picks. That's really his strong suit, is being able to cover.
Q: After (Dak Prescott) had some runs against you, how much of the focus is on preventing (Deshaun Watson) from doing the same things?
A: The zone read is part of the NFL game now, especially for quarterbacks that can move around, and so certainly every team watches what the previous teams have done against a defense or an offense. I'm sure we're going to see some form of the zone read and they're going to test and see if we've corrected the mistakes.
Q: What specific things did you or didn't you do last Sunday that you have to do this week?
A: That's tactical, certainly, so I wouldn't share that.
Q: (DeAndre Hopkins) and (Will Fuller) have been on the injury report all week. Do you have a separate plan if they're out?
A: No, I think we're going to play it the same way. This time of year, there's a lot of players on the injury report that tend to play, so we don't over-evaluate that. Typically, if you have a guy like we have like OV or somebody like that, but guys that played last week and didn't really go out with an injury and are somewhat limited, we plan on playing them.
Q: (Jadeveon Clowney) seems to be one of those guys, it looks like he's going to play. What kind of challenge does he present for your line, and that whole front in general?
A: I think the whole front, obviously, we've talked about it all week, the marquee players on that front are the linebackers, both inside and out, and so it's a challenge. We've just got to go block them.
*Q: Without Eli (Apple) there, do you have to change some of the way you play defensively, maybe blitz less and protect the back more? *
A: Again, that's a tactics question, so we'll just have to see how it plays out, but we have the ability to help corners, regardless of who they are, and we have the ability to sort of leave them on an island and you make them cover their guy.
Q: So you have confidence?
A: Sure, we have confidence he'll be able to execute the plan.
Q: What's the general focus been of the players this week and trying not to put too much pressure, must-win and all that?
A: I think the important thing is just go through the process. The message today was to make today the best Friday and keep going, keep moving. We feel good about the plan we put in place, now we've just got to go out and execute it.
Q: Players have said you've stayed calm. You said the same. There's a bunch of different approaches you can take, you can turn up the heat on them, why is that the approach you've taken?
A: They tend to tell you when I stay calm, they don't tell you when I act another way, so good for them.
Q: Are you saying you have been sterner on them at times?
A: No, I think my personality is such where I tell them what I think and when I add emotion to it, that's my business and that's their business, that's not your business. That's the way I handled it. Don't misunderstand the calm, I guess. I think what's important is that our guys understand, and I tell them straight up how I feel. I just don't share it with the world.
Wide Receivers Coach Tyke Tolbert
Q: What's the challenge for your group now two games in, we know what we've talked about in terms of the struggles of the offense. What do you tell your guys as far as what their jobs need to be to turn this thing around?
A: It's just a matter of doing your job. I preach to my guys every day about being the best wide receiver you can be with and without the ball, meaning there are times – a lot of times – when you don't have the ball, but you still have to go ahead and play hard for your teammates, whether it's in the run game, or carrying out some pattern for your other teammates to get the ball. Everybody has a job to do and that's what I've been emphasizing with my guys. Everybody do their job.
Q: When Odell is not able to get involved, he wasn't really on Sunday, do you have to change anything? Do you look back and see there were opportunities for him?
A: Sometimes you can game plan things for guys to be the primary receiver in the pass pattern, but sometimes the defense -- they get paid, too -- and they did a good job of taking some things away. It's up to us as coaches to find what we can do to counteract what they were doing so we can get guys open and get them to be the primary receiver.
Q: How do you manage on the sidelines in-game and during the week the frustrations of not getting into the end zone and reassuring guys that what you're doing is going to hit?
A: I have a phrase in my room that I tell guys: keep playing hard, keep getting open, you will get the ball, because everybody has a job to do and you can't snap the ball yourself, you can't block yourself, you can't throw the ball yourself. You can't do everything, so all you have to do is your job, keep getting open and we will find you the ball.
Q: Cody (Latimer) had the deep catch the other night and in the preseason, what makes him a good deep threat?
A: Cody has size, he has good speed, he has really strong hands, and last week we actually emphasized that particular route about three or four times that he and Eli picked up on the deep ball, so I'm glad to see it has come to fruition.
Q: On Odell's attitude – What sense do you get being around him?
A: His attitude has been really good. He's a positive guy, he's one of the hardest practicing guys I've ever been around. I mean, he practices hard. You have to pull him back sometimes because he likes go, he's like a little energizer bunny. He just goes and goes and goes. His attitude has been good. Obviously all great players like him probably want the ball as much as they can get it, and when they don't get it as much sometimes, frustration may creep in a little bit, but not as much because he knows what we're trying to do. He knows he can't control everything, he can only control what he can control. Again, our phrase -- just keep getting open, we will find you the ball.
Q: When you practice the Philly Special, do you coach Odell how to throw that, or is that Mike Shula?
A: We don't practice Philly Special. I don't know what you're talking about. (Laughter)
Q: When there are opportunities to get Odell the ball deep, because we heard that a lot this week that opportunities were there, and the ball doesn't wind up going in that direction, how do you keep him dialed in? How do you keep him energized?
A: I think Odell realizes that every time you're open, the ball is not going to come your way. Again, my stress to him is keep getting open, we will find you the ball. Sometimes, it doesn't always work out the way we want it to. Sometimes it may not work out, sometimes it may work out two or three times in a game, or you'll have a huge game and a lot of touchdowns were scored, a lot of points, and win a lot of games; but at some point in time, it's going to click for all of us on offense, and when it does, it's going to be something special to watch.
Q: (Pat Shurmur) talked about needing to get the ball in his hands early this week. Does that also include early in the down, earlier in the progression, get the ball out quicker?
A: I would say early and often, that's what I would say. He's a special player, he's a one of a kind type player, generational type player. Guys like him, we want to get them the ball as much as you can and if he has the ball a lot of times, good things happen for our offense, quite frankly.
Q: (Sterling Shepard) has been kind of quiet. What are you seeing from him? He's had a couple of drops, kind of uncharacteristic. What are you seeing from him?
A: I told my guys early on in camp – if I had to go into a fight with one of you guys in the room, Sterling would be the one I would take with me. He is a football playing Jesse, as they would say in the south. He's tough, he's smart, he's feisty, it means something to him. He's a good player when he gets the chance to play with the ball in his hands, but he's really a good player without the ball. He has a lot of good blocks, a lot of good crack blocks on the safeties. I'm very happy with Sterling Shepard right now. Jerry Rice dropped passes, too, so I'm not concerned so much until dropped passes become a habit, but my focus is really on guys playing hard and playing as a team and playing for each other. Once we do that, good things will happen for us.
Q: You said you're telling your guys to get open. Through the first two games, are you seeing guys getting open enough to your liking, that the opportunities are there?
A: There are obviously things we can do a whole lot better. I'm pleased for the most part with what we're doing, but there's things obviously we can work on to get better. No one is perfect, there is no perfect person. No one's walking on water. We've just got to continue to play hard, play fast, play smart, play tough, be physical, and again, this is our first season together. There's a whole new staff and everything, so we're still learning, going through the learning process, learning curve, but I think each week we always see on tape, there's a play here or a play there, missed opportunity here or missed opportunity there, for us to have a really good offense, really good game and come out with a victory. I think we're on the brink of that, I really do.
Q: You might not know him well, but what does (Stacy Coley) bring?
A: One thing he brings is knowledge about this offense. He was in Minnesota with Coach Shurmur, so a lot of stuff we're doing offensively, he already knows. He came in yesterday and he remembered a lot of the terminology that we use and what to do. He brings some speed, I remember watching him coming out of college, out of Miami – he's a 4.4 guy, so he brings some speed, brings some versatility, he plays multiple positions as well, which is good for us on offense, because you have to be that multiple guy, especially when you get under the ball no-huddle. He brings knowledge of the offense, that's the one thing he brings that stands out right now.
Secondary Coach Lou Anarumo
Q: How's Eli Apple been?
A: He's been good so far, small sample size - only two games, but not only Eli, all of our guys are just striving for consistency and so far he's done that.
Q: How big of a void will it be if he's not able to play on Sunday?
A: That's this league, right? The next man up principle and if he's not ready to go the next guy will step up and go play.
Q: How much of a stress does that (Texans) wide receivers core put on the secondary? You got (Will) Fuller who can go deep, you got (DeAndre) Hopkins obviously, (Deshaun) Watson is a mobile quarterback.
A: Yeah, they have two really special receivers and as you mention, Hopkins is one of the most targeted guys in the league over the last few years and certainly a great player, and the other guy can really take the top off the coverage so we'll be aware of where both those guys are and it seems every week in this league you're going to get different challenges from guys that are really elite at that position. We're fortunate we get to defend guys like that everyday so that helps us.
Q: Watching their game last week against the Titans, it seemed like any chance they got to attack vertically - they're not bashful about going up the field. Does that change anything philosophically when you're going against a team that wants to attack you vertically all the time?
A: Yeah I think it puts stress on the different coverages that you're trying to do and you have to make sure, obviously, that you're accountable for that and we do every week and we're aware of it, but it adds to it when you got receivers of that caliber that are doing those type of routes so we want to make sure that hey, 15 (Fuller), he's going deep and certainly 10 (Hopkins) is great at the point of attack with the ball. We're aware of it.
Q: Janoris Jenkins has been beat on a couple of deep balls. Anything that you see there, a common thread?
A: Well you're right, a couple is two. I think that if you ask him and would it be one or two things at the line of scrimmage that he could've done better and I think that's what kind of got him in a bad spot. You saw last week he stumbled out of his break and then really in the Jacksonville game was just more of an alignment issue so we've talked about it with him and worked on it. He's a guy that has had great success in this league and is a very competitive guy. He doesn't want to give up anything so we've been working hard on that and he has and I think it won't be an issue going forward.
Q: When a player is dealing with anything personal, how do you as a coach help them lock back in?
A: I think always as a coach, I think you always try to build relationships with the guys so that when times get hard, both on the field and in life, whether it be the coaches or the players that are going through something, that they know that I have their back and it's not just about what's going on on the grass, it's about what's going on in their lives. I think that if they feel that and they believe that then it's going to be a better relationship. Again when things are rocky both on and off the field and that's kind of what I've always done. If somebody's going through something, it's going to be important to me because we spend more time as a staff with these guys than we do with our own families so I want it to be a relationship where they can trust and believe I care about what's going on with them on and off the field.
Q: Was it a challenge to get him back up for that game coming off a tough day?
A: No, Janoris is a professional and I think that he knows that when he steps out on the grass it's time to play football and we all have things we have to deal with, but when we go and its time to turn on the lights, I think he knows, hey, it's go time. He did a good job with that.
Q: Philosophically, how do you feel about your best cornerback traveling verses just staying straight up in your scheme?
A: I think there'll be, not talking specifically about schemes, I think over the years with guys that I've had, you can do both. There's merit to doing both. It's not something that you're going to say, 'hey this is what we're doing this week', but I think there's merit to both where you have a guy travel and whether they just play left or right, so we'll kind of vary that by game plan.
Q: This is our first time talking to you since you added a few guys after camp. What have you seen from (Antonio) Hamilton and (Mike) Jordan?
A: Just competitive guys. As you said, they just got here so we're still kind of getting a feel for what they can and can't do, but hard working guys. They stay around extra, kind of catching them up to speed with what our scheme is and those type of things. So far so good and I like what I've seen from them.
What did you say to Donte Deayon after that play in the end zone?
A: Catch the ball.


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The Syrian army destroyed terrorists gathering centers with all weapons and equipment inside them in Kafernaha and West of al-Hader in Aleppo province on Tuesday.
Scores of militants were also killed in the military operations.
Earlier on Tuesday, dozens of Ahrar al-Sham terrorists were killed in Syrian military operations against their positions in the countryside of Aleppo.
The Syrian army destroyed a number of Ahrar al-Sham positions in al-Kamari in al-Hader area in the Southern countryside of Aleppo, and killed scores of the Takfiri militants.
The Syrian army has been plowing the positions of all terrorist groups all across the Northern Province of Aleppo on Tuesday morning. The army has killed hundreds of militants in its massive joint operations with popular and Hezbollah forces from South to East and Northeastern Aleppo.


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Description Download a full report from our March 2015 CTO Forum, presented at the CoSN 2015 Annual Conference in Atlanta, GA. Greg DeYoung (Chief Information Officer, Blue Valley Schools, KS) moderated a discussion among expert CTOs and Superintendents from across the nation. School districts across the country are at different stages of their digital transformation. Many have created the vision and broad strategic plan to integrate technology into their learning environments but how do we shift the conversation from if and why it is important to how we do it? For more information on CTO Forums, click here.


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Creamy Cashew Citrus Smoothie. A protein packed, dairy free and gluten free smoothie loaded with fresh orange flavor. Made in minutes! This recipe is sponsored by Nielsen-Massey.
I know I've talked about this before but my kids go through phases with their love for smoothies. When they are in a smoothie phase, they are all in, requesting smoothies for breakfasts and snacks. Wanting to make extra to freeze into popsicles and thinking of creative new ideas.
Right now, we are in a hard-core smoothie phase. Probably has a lot to do with this weather – not complaining – it's nice and hot in Seattle and you all we don't really have air-conditioning. A frosty smoothie is a super refreshing treat!
When Nielsen-Massey reached out to me and asked to collaborate with them and develop a fruity summer treat using one of their high quality extracts, I started immediately thinking of this Creamy Cashew Citrus Smoothie that I have been making and how their Pure Orange Extract could enhance the citrus flavor.
All of their extracts are GMO-Free, certified gluten-free, certified Kosher and allergen-free and I've been using their products for years (their Vanilla is amazing!). One of the things that I like the most about the brand is that their products are consistent and always high-quality.
My kids have a bit of an obsession with all things citrus, especially oranges and this smoothie is super creamy and tastes like a healthier creamsicle!
I used unsweetened vanilla hemp milk but unsweetened vanilla cashew milk or even unsweetened vanilla soymilk would work. If you don't have unsweetened vanilla, use unsweetened plain and add 1/4 teaspoon of pure vanilla extract.
P.S. If you have leftovers, this freezes nicely in popsicle molds!!
Did you make this recipe? Please give it a star rating below!
Creamy Cashew Citrus Smoothie. A protein packed, dairy free and gluten free smoothie loaded with fresh orange flavor. Made in minutes! This recipe is sponsored by Nielsen-Massey.
- 12 ounces unsweetened vanilla non-dairy milk
- 1/4 teaspoon Nielsen-Massey Pure Orange Extract
- pinch sea salt
- 1 1/2 tablespoon cashew butter
- 2 medium Navel oranges peeled and quartered
- 2 medium ripe bananas sliced into 1/2" pieces and frozen
- handful ice
- chopped cashews and orange slice for serving optional
- Ripe bananas need to be frozen ahead of time. Peel, cut into 1/2" pieces and freeze until solid. Transfer to an air-tight storage container until ready to use. Can be done up to 1 month in advance.
- Peel oranges and quarter.
- Place all ingredients in the body of a blender in the order listed.
- Process until smooth and creamy. Serve immediately topped with chopped cashews and an orange slice. Enjoy!
Did you make this recipe? Tag @EverydayMaven on Instagram with the hashtag #EveryDayMaven and please give a star rating below.
DISCLOSURE: This post is sponsored by Nielsen-Massey. Nielsen-Massey has compensated me for my time to develop this recipe and share about my experience using their products. All opinions are my own.


text: Disabled Parking: How Disappointing is the Current System! Swallow a Few of These FactsThe more information I gather on disabled parking, the more I am disappointed in the current system. Swallow a few of these facts:The total number of disabled parking plates and placards have nearly DOUBLED… Read the rest


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The issue with teenagers and smartphones, specialists say, is "they're generally on".
Furthermore, that can incur significant damage on their psychological well-being. Another examination joins nervousness, extreme melancholy, suicide endeavors and suicide with the ascent being used of cell phones, tablets and different gadgets.
For as brilliant as telephones might be nowadays, they just don't know when to stop. To secure their children's emotional wellness, guardians must develop techniques for outmaneuvering them, specialists say, and frequently that includes basically turning them off.
Jean Twenge, brain science teacher at San Diego State University and an alum of the University of Chicago, has composed broadly on youth and emotional wellness. She has discharged an investigation that demonstrates a correlation between the ascent of the cell phone and expanding rates of discouragement, suicide endeavors and suicide itself among adolescents.
As per news reports, the finding depends on CDC information and high schooler issued reviews that uncovered that sentiments of misery and self-destructive examination had gone up by 12% amid the day and age and that about portion of the teenagers who demonstrated they burn through at least five hours every day on a smartphone, workstation or tablet said they had thought about, arranged or endeavored suicide at any rate once – contrasted and 28% of the individuals who said they spend not as much as a hour daily on a gadget.
Read More : WHAT'S THE DIFFERENCE WINDOWS 10 HOME VS. WINDOWS 10 PRO
Nearby school advocates and social laborers and in addition clinical psychological wellness specialists at neighborhood hospitals in the United States confirm they are seeing an uptick in indications of sadness or potentially anxiety among youngsters. Yet, they likewise say, there are things guardians and experts can do to help control the dangers.
Equal access to good and bad
In her 17 years as a social worker at Argo High School in Summit, Illinois, Allison Bean said she's had "a front row seat to the shift from a time where kids couldn't wait to leave the house to hang out with their peers to the present day digital age where our kids are reluctant to leave the couch".
"Many of my students may not have adequate clothing, food or even running water in their homes; but they have phones," she said.
Teens, she said, "are (physically) isolating themselves more and more from their real support systems during a period of their lives that, even under the best circumstances, is very turbulent and stressful".
Exacerbating the situation, Bean said, is that the very device that can cause depression is also giving fragile teens access to websites that can encourage them to engage in self-harming behaviours. To complicate matters, she said, mental health experts are warning about the dangers of technology at a time when more schools are going paperless and issuing tablets to students.


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Posted in Northern California November 03, 2017
Ocean Lovers Will Have a Blast at This Hands-On Marine Museum in Northern California
Love the oceans of Northern California? Take that appreciation a step further by visiting the Seymour Marine Discovery Center. Here, you can see, touch, and feel different marine animals. Your youngsters will love the experience of getting up close to their favorite aquatic species.
Thanks to its proximity to the ocean, NorCal is the perfect place to learn about aquatic animals. For more unique attractions around the state, check out these.
Address: 100 McAllister Way, Santa Cruz, CA 95060


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Posted By George Reith | On 18th, Mar. 2011 Under Industry News, News | Follow This Author @GNReith
Treyarch have launched fixes for the Zombies and Multiplayer modes for the 360 and PS3 versions of Call of Duty: Black Ops.
Released last night, the update should sort out "several" unspecified Zombies exploits, and fix the annoying bugs that let players get outside of the designated map boundaries on Nuketown and Kowloon in multiplayer. It also adds a team deathmatch exclusive Mercenary playlist, and disables split-screen play in Mercenary playlists.
Black Ops is a game that is so popular that glitches will always be discovered and regularly exploited, so fingers crossed there will be many more fixes to come in the future.
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100522 – Team WOD Saturday
Emergency – 911+
Team must complete the following in ORDER:
- wb x AMRAP – 10 min.
- 2200m run — (1 mile + 600m)
- 100 x thrusters – 45# / 35#
- 100 x sdhp
- 400m run
- 50 x pull-ups (ea)
- 50 x burpees (ea)
- 5000m row (TEAM) – Finally.
9 Responses
911 – They will give you great compressions with trained personnel and uniforms, attach electrodes and defib your butt so that you can continue your WOD. No Slack.
BDCF – We give you great compressions via the old lead foot method. We also give you mouth to mouth, sans the mouth ;P and expect you to not only LIVE, but to LIKE IT and then FINISH YOUR WOD!
I was dragging and feeling tired but because we needed a 3rd person to make the teams even I jumped in. Glad I did. Was it tough? yes. Is it always tough? yes. It was rather surprising that with all of our members the turnout was so low. Maybe we'll stop posting the WODs ahead of time. Then you'll just have to show up to find out what we're doing. Don't forget we'll be open tomorrow at 9:00 for make up work and punishment.


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No reviews | Be the first to review this product
Measures approx. 24 x 26.5 x 1.9 cm
Weight approx. 646g
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