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Tag Archives: Godfrey
First steps
I imagine Madeleine Peyroux gently swaying in the background as I experiment with the first words of the Miller blog. The journey began with a small photograph album Miller sent to his sister, my grandmother. The sepia photos, the size … Continue reading
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It may be an oversimplification of modern-day Costa Rican society but the country's complete lack of a national army, commitment to democracy and innovation in eco-tourism makes it a remarkably refreshing destination in an increasingly turbulent world.
It's tough to know where to start with Costa Rica, such is the diversity of things to experience, but its commitment to eco-tourism, which is something of a best in show on the global stage, is certainly something to shout about. And the key stats could boggle the best of brains; 25% of Costa Rica is protected in National Parks or biological reserves and the country boasts 6% of the planet's biodiversity. There are over 200 species of mammal, nearly 600 species of bird and approximately a whopping 10,000 species of plant and tree.
Onto the diving. Costa Rica sits at the crossroads between the Caribbean Sea and the Pacific Ocean and this narrow strip that connects the two Americas also separates two totally different marine habitats. The Pacific's nutrient rich waters are wilder and cooler than those of the Caribbean, but they attract a blizzard of sea life; washing up from the south, they also bathe the Galapagos. You almost wonder whether the country's Spanish settlers had early access to scuba gear when they named it the 'Rich Coast'.
Key dive sites include Cocos Island (best done by liveaboard) where you can see plenty of pelagics and Bat Island, known for its famous bull shark dive. More generally, divers can expect to see species such as eagle rays, white tipped reef sharks and parrotfish while diving in Costa Rica.
Showing 1 - 2 of 2 destinations in Costa Rica
Showing 1 - 2 of 2 hotels in Costa Rica
We had a wonderful time in Costa Rica and really enjoyed our trip immensely. Your choices of route and accommodation really contributed to us having an amazing holiday in a beautiful part of the world, and in a couple of instances exceeded our expectations.
The quality of service from Original Diving has been irreproachable. We have not hesitated to recommend you and your company to friends and family since we have been back.
We had an amazing time and I would definitely recommend both Costa Rica and Original Diving to others on the back of it.

subset: commoncrawl


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WHO certifies Sri Lanka malaria-free
On Monday 5th September 2016, Sri Lanka was certified by WHO on having eliminated malaria, a life-threatening disease which long affected the island country.
WHO has published a press release declaring Sri Lanka malaria-free. WHO underlined the innovative approach applied to tackle malaria, with the support from key partners such as WHO and the Global Fund to Fight AIDS, Tuberculosis and Malaria, of which France is one of the main donor.
The press release reads:
"Sri Lanka's achievement is truly remarkable. In the mid-20th century it was among the most malaria-affected countries, but now it is malaria-free. This is testament to the courage and vision of its leaders, and signifies the great leaps that can be made when targeted action is taken. It also demonstrates the importance of grass-roots community engagement and a whole-of-society approach when it comes to making dramatic public health gains," WHO Regional Director, Dr Poonam Khetrapal Singh, said here.
Sri Lanka's road to elimination was tough, and demanded well-calibrated, responsive policies. After malaria cases soared in the 1970s and 80s, in the 1990s the country's anti-malaria campaign adjusted its strategy to intensively target the parasite in addition to targeting the mosquito.
The change in strategy was unorthodox, but highly effective.
To maintain elimination and ensure the parasite is not reintroduced to the country, the anti-malaria campaign is working closely with local authorities and international partners to maintain surveillance and response capacity and to screen high-risk populations entering the country.
Sri Lanka is the second country in the WHO South-East Asia Region to eliminate malaria after Maldives. (...)"


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A West Texas school district has called off classes for the day after nearly 7 inches of rain left behind flooded roads.
The Tahoka Independent School District canceled classes Tuesday. Superintendent George McFarland cited unsafe travel conditions.
The Texas Department of Transportation reports some roads closures south of Lubbock due to flooding, in areas near Tahoka and Lamesa.
Texas News
News from around the state of Texas.
National Weather Service forecaster Chris Morris says Tahoka had received almost 6.9 inches of rain in the 24-hour period ending Tuesday morning.
Morris says Lubbock set a precipitation record Monday with 3.42 inches of rain. The previous record for May 4 was set in 2001, when Lubbock received .82 inches of rain.
The National Weather Service says showers that began Monday in West Texas should ease off by Wednesday.


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Ed Bechervaise –
Unwell Bunny 2018
The mountains we climb is just as much about
self exploration, as it is about Japan.
Ed's work has always explored two sides of the human experience, The moment in time, and the effect and the memory of it, the re interpretation and the re processing of a glimpse..
That's exactly what Ed does in exploring Japan, and its sensations. Its layers of feeling, through the chaos of
Tokyo to the stillness of Kanazawa hills.
Each image is broken down into fragments, with slabs of colour, texture and tone, that symbolise the experience, weather by night or day, dusk or after dawn. This is a time capsule of travel, but also of the struggle and exploration each of us go through in growing as people and evolving beyond what we know.
The mountains we climb is about pushing limits of understanding. Exploring that place that brings discomfort, pushing the elements of your processing ability. For Ed he has done just this with his exploration of abstraction, and re interpretation.
Discover more at www.unwellbunny.com or Marfa Gallery http://www.marfagallery.com/exhibtion


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Wilson Audio Specialties MAXX loudspeaker Measurements part 3
Leaving the upper range safe from overload, I drove the bass system to the practical power limit. At 106dB it still averaged 1% of second harmonic and 0.3% of third, both down to 30Hz. At 25Hz I got -32dB (2.4%) of second harmonic and -26dB of third (5%)—only just audible at this low frequency. A true power sinewave of 140W—equivalent to full-power orchestral bass—was sustained at 30Hz and remained tolerably pure.
Taken overall, the distortion performance was exceptionally good over the entire bandwidth. Dynamic range and dynamic linearity met the high expectations for a speaker of this engineering profile and price.
The physical structure is so well controlled that checks using an accelerometer revealed little of interest in terms of cabinet vibration. There was negligible coloration from this source.
The MAXX's step response (fig.8) was complicated by the 17kHz treble peak, which intruded at the start. Due to the delay paths to the microphone, not too much I should be read into this graph. Above 300Hz, the speaker's output had low phase shift with frequency. For the broadband energy/time response, both the unweighted (fig.9) and the Blackman/Harris weighted results (fig.10) were impressive for uniformity of decay rate, though I suspect the residual output from the bass system in the lower treble will slow the visible decay rate.
Fig.8 Wilson MAXX, step response on tweeter axis at 1.4m (5ms time window, 20kHz bandwidth).
Fig.9 Wilson MAXX, Energy-Time Curve on tweeter axis, unwindowed (5ms time window).
Fig.10 Wilson MAXX, Energy-Time Curve on tweeter axis, windowed with Blackman/Harris function (5ms time window).
For longer-term decay behavior, the waterfall graph using 10dB/div. scaling and 0.2ms decay filtering (fig.11) showed a complex field due to the driver overlap, but with no dominant features save the nearly inaudible treble resonance at 17kHz (the clean "ridge" visible in this graph). A good idea of the MAXX's transient attack is given by fig.12, which shows good phase integrity from 500Hz to 16kHz, and fast leading-edge decay. This fine performance was borne out by the listening tests.—Martin Colloms
Fig.11 Wilson MAXX, cumulative spectral-decay plot at 50" (0.2ms risetime).
Fig.12 Wilson MAXX, cumulative spectral-decay plot at 50" (0.1ms risetime).


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Ahmattitonttu table decoration
Hi, I'm Ahmattitonttu. I find it hard to restrain myself, and will go straight for the bowl with a ladle and gorge myself on Christmas goodies. The Pakkanen family are fantastic dinner table or window decorations and of course make excellent gifts for lovers of high quality craft work.
Designer Saija Malila.
Table decoration, maple, 18 cm, ø 68 mm


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Meditation Music Aves
Meditation Symphony Of Birds "Aves" Free to download meditation music mp3. The sounds of tropical north Queensland Australia home of the Daintree rainforest one of the world's oldest living forests, with trees dating back to the days of the dinosaur. Kept in the whispers of the ancient trees are time and history itself a … Read More
Podcast: Download (Duration: 10:14 — 9.4MB)
Subscribe To Our Podcast Apple Podcasts | Android | Stitcher | TuneIn | RSS


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Fresh baked, made from scratch with the finest ingredients! We make our pastries the old fashion way just like grandma used to bake them.
- Muffins, Scones, Croissants baked fresh right when you order them
- Breakfast Catering freshly baked pastries with coffee service too
- Quiche, Croissant Sandwiches and other savory selections also available


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Meet new kid on the Peaky Blinder block - Joe Cole: 'Each character has darkness about them'
Joe Cole talks about his Peaky Blinder character Joe Shelby
Character Background: John Shelby (Joe Cole)
Bruised and broken by Tommy's deceit, John has uprooted his family to the countryside. No longer a member of the Peaky Blinders, John is determined to start afresh, however, when new enemies launch their attack, can he ignore his brother's call to arms?
How are the audience introduced to John at the beginning of series four?
We open on Polly, John, Arthur and Michael all in prison. It is about six months after the finale of series three, where Tommy betrayed the family and stitched them up with the authorities as a result of the train explosion and various murders. The gang is completely disbanded and the brothers' trust in Tommy is completely broken. We then flash forward and we see all the family living very separate lives in different parts of Birmingham.
What moments are you particularly excited about seeing unfold when the series airs?
I'm really excited to see how the gang reforms and how those family dynamics work out. Tommy's issue this year is how does he get the Shelbys back together and protect them from this impending threat against the family.
John is very close to his brother Arthur. Is their bond as strong in series four?
Their bond is extremely strong through the series. Paul Anderson and myself have become good friends over the series. I hope we have managed to bring that close friendship to the characters. I feel that this has come across on screen in the previous series and it feels even stronger this year.
What are some of your favourite locations to return to each series?
It is always nice to go back to Powis Street in Liverpool, which is our Watery Lane location. That feels like we're back for a new series when you walk onto that street. The dock area where we shot a lot of the action sequences back in series one, which is located at the Black Country Living Museum, feels like true Peaky Blinders territory too.
What was your reaction on receiving the new scripts from Steven Knight?
It is always exciting to receive the scripts before we start on a new series. There is a real buzz from all the cast to see where Steven is taking the characters and what new characters might be joining the series.
What is it like on set when all the family get together?
I think what is special about our show is that you do get to do those large family scenes where the entire cast are altogether. It's quite rare to have that. We certainly enjoy ourselves during those big family set pieces.
What do you think makes Peaky Blinders such a global hit?
I think the appeal of the series comes from the look and style and general swagger of the Peaky Blinders. Steve has written the characters as lovable anti-heroes. Each character is multi-layered and has their own individual complexities and darkness about them.
There is a lot of Peaky Blinders fan art out there. How does this make you feel?
I've seen a few people with tattoos of my character, which just shows how popular and beloved the series is. It is a great reflection on everyone's hard work from the cast, crew, Steven and the producers.
Peaky Blinders IV returns tonight, November 15 at 9pm on BBC Two
November 15, 2017 8:32am ET by BBC TWO


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2015/2016 Middle School Campus Life Curriculum - No Filter
By , Posted on 7/17/15
#nofilter is a reaction to our attempts to present life as better than it is, it's an attempt to show life in a more real state. That is what we want Campus Life to be about this year. We want CL to be a place where we are all living with no filter. We want to know who kids really are, what they really think and how they really feel.
Videos can be downloaded now!
To download one or more of the videos for this curriculum, please click above - this will take you to a page in YFC Impact (the login page first if you are not currently logged in), so you must have a YFC Impact username and password to access the video downloads. If you don't yet have login credentials for YFC Impact, please contact the Chapter Manager of your local chapter. These video downloads are intended only for YFC staff and are not to be distributed or used outside of YFC.


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This article will provide you with a list of paramedic schools in Colorado where you can get admissions information, send applications, and graduate from in order to get a job as a working EMT Paramedic.
Do Note: This list now contains a collection of accredited and non-accredited paramedic programs.
Paramedic Schools in Colorado
Below, please click on a school to get admissions information on their healthcare programs:
Aims Community College – Windsor, CO
Emergency Medical Services – Paramedic Program
Public Safety Institute
1130 Southgate
Windsor, CO 80550
United States of America
Arapahoe Community College – Englewood, CO
5900 S Santa Fe Dr
Littleton, CO 80160
United States of America
Colorado Mountain College – Edwards, CO
150 Miller Ranch Road
Edwards , CO – 81632
Community College of Aurora – Aurora, CO
9235 E. 10th Drive
Room 154
Denver, CO – 80230
Denver Health Medical Center – Denver, CO
190 W. 6th Avenue,
Denver , CO – 80204
Pikes Peak Community College – Colorado Springs, CO
5675 South Academy Blvd
Colorado Springs , CO – 80906
Pueblo Community College – Pueblo, CO
900 West Orman Avenue
Pueblo , CO – 81004
St. Anthony Hospitals – Lakewood, CO
34 Van Gordon Street, Suite 201
Lakewood , CO – 80228
The accrediting organization for EMT Paramedic training education in the United States is the CoAEMSP (Committee on Accreditation of EMS Education Programs), which operates under the CAAHEP (Commission on Accreditation of Allied Health Education Programs). Beginning on January 1, 2013, graduation from an accredited paramedic program will be required for those seeking certification through the National Registry.
It's important to recognize and understand that the career of EMTs and paramedics is on the rise. In fact, according to the U.S. Bureau of Labor Statistics (BLS), employment of EMTs and paramedics is expected to rise 23% from 2012 to 2022. That is much faster than the average for other career fields, and it should give EMS students peace of mind knowing that they are entering a career field that is on the rise, rather than on the decline.
Also, note that all EMTs and paramedics need to complete a postsecondary educational program, which essentially means that in order to work in EMS, you will need to complete a proper training and educational program following your graduation from high school (or GED equivalent).
As far as paramedic salary is concerned, the pay rate for EMTs and paramedics can vary quite a bit. This is mostly due to region, as someone working in Colorado is likely to may more money than a paramedic in the mid-west. Still, the median salary for EMTs and medics, according to the BLS, is $31,020.
Strong EMT and paramedic traits are essential to the job, as well. A lot of discussion goes into how much you can lift, or how educated or trained you are, but at the end of the day, patients (be it in Greeley, Edwards, Denver, Aurora, etc) want to feel like you understand their pain and concerns, and that you care about their well being. And if you work in EMS, you really and truly should care about people.
And here, click on a school listed below to be taken directly to the college or university's official homepage:
Aims Community College -Windsor, CO
Arapahoe Community College – Englewood, CO
Colorado Mountain College – Edwards, CO
Community College of Aurora – Aurora, CO
Denver Health Medical Center – Denver, CO
Pikes Peak Community College – Colorado Springs, CO
Pueblo Community College – Pueblo, CO
St. Anthony Hospital – Lakewood, CO
Get more information about paramedic training online via our interactive table on our homepage.
If You Enjoyed This Article, We Recommend You Read:
How Much Does Paramedic School Tuition Cost?
How Much Weight Does a Paramedic Need to Lift?


text: Maybe you've seen this by now. I still like it. I was going to post it during Ramadan, when I was spending a lot of time alone but I didn't want you guys to think I was being maudlin. These days, I am being maudlin, so if you think I am, that's okay. As an only child and an introvert, I'm already pretty good at being alone, but maybe you're not good at it and you can learn. I'm not too thrilled about being alone at the moment, so I can too.


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I really appreciated this post from David Armano, thanking his team at Edelman for a great year. He also shares a great quote about the rewards of being on a great team: I once heard Richard Edelman tell a story about being the best stone mason in the world vs. having the ability to build […]
Tag Archives: David Armano
Have you taken a moment to say thank you?
December 31, 2010
Comments Off on Have you taken a moment to say thank you? - Read & Join the Conversation
Friends: It's quality, not quantity
August 28, 2009
The Louisville Free Public Library suffered $5 million in damage from a flash flood earlier this month. Steve Lawson, a librarian in Colorado, read about it — and wrote a single blog post asking for donations to help. It got picked up by a local radio station and mega-blog Boing Boing. Here's the post. So […]
Comments Off on Friends: It's quality, not quantity - Read & Join the Conversation
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I offer gratitude to everyone who comes to Woodstock for the day, the weekend, the week. I offer gratitude to those who seek to live here on weekends, during the summer, or as full time residents. Your energy and money are extremely important to this town.
You created the stories in this blog. All I am doing is posting them.
Good luck to us all.


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- Home
- About Us
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- 2020 Annual Conference
- Resources
- Career Opportunities
Spring Digital Champion Nominations Deadline
Wednesday, May 01, 2019, 8:00 AM EST
Category: General
Spring Digital Champion Nomination Deadline
Each quarter, the Technology Committee recognizes those who utilize technology in new or innovative ways, are new to technology, but going full-force, or those who are engaging the EACE community through exceptional social media use.
If you know an EACE member who is doing great things in this digital age, we want to hear about it. Not only will your nominee be recognized by the EACE community, nominee AND nominator both win $25 Amazon e-gift cards!
Submit Nomination
The deadline to submit your nomination is today!
Nominees must be an EACE member, not part of the Technology Committee. Not sure if you nominee is a member? Check our searchable membership directory.
Tue Jan 21, 2020Twitter Chat
Category: Twitter Chats
Fri Jan 31, 2020EACE Awards Nominations Deadline
Category: General
Sun Feb 2, 2020Digital Champions Deadline
Category: General
Tue Feb 11, 2020Twitter Chat
Category: Twitter Chats


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Zachary Tremblay looks like any healthy teenager. But the 14-year-old's bright smile and can-do personality belies the fact he's been living with kidney disease since birth.
Castlegar family go online for live kidney donor to save son
Zachary Tremblay looks like any healthy teenager.
Athletic and outgoing, he plays soccer and basketball, hangs out at the skate park in his hometown of Castlegar, and bowls competitively.
But the 14-year-old's bright smile and can-do personality belies the fact he's been living with kidney disease since birth and desperately needs a donated kidney to get a chance at a healthy life.
"He's a different kidney kid," said mom Jana Tremblay, referring to kids living with chronic kidney disease. "He's been very lucky. He's one of the more healthy kids you'll meet.
"He's not a kid to give up. He doesn't use his disease to not play or do things."Zach was born with renal hypoplasia-dysplasia, a condition which causes underdeveloped and misshapen kidneys.
For the first 12 years of his life, Zach kept the disease in check with medication and vitamins. Once puberty hit, the pressure on his kidneys mounted and his kidney function plummeted. Today, Zach has end-stage renal failure in both organs. He takes about 30 pills daily, and needs to undergo 11 hours of dialysis every night to get waste out of his system.
Two years ago, he was put on the living donation list. Last fall, his name was added to the deceased donation list.
No one in the Tremblay family or their extended family is a viable match for Zach, who has a rarer O negative blood type.
Tremblay is determined to make a push to try to find Zach a living donor. The way she sees it, "we wait for a deceased donor, or we get active."
Last week, she put up a Facebook post appealing to the kindness of strangers, asking people to "help us find our boy his miracle."
The plea can't hurt, said Tremblay. She knows of a family who did a similar appeal on social media and found a successful kidney donor that way.
Since Thursday, the post has been shared more than 6,000 times. Tremblay has received more than 30 messages from people across the country who say they want to donate a kidney to Zach.
The outpouring of support has given them hope, but Tremblay knows the process is complex and lengthy. The screening process for one person usually takes three to six months. And he's not the only one on the waiting list.
As of Dec. 1, 2016, 516 people were on the list for a kidney transplant in B.C., an increase from 457 at the end of 2015 and from 363 at the end of 2014.
In 2016, 160 transplants were performed with kidneys from deceased donors, and 92 for transplants from living donors.
"Our push is for Zachary, to get him healthy and find him a kidney, but it's also to increase organ donation," said Tremblay, who wants to raise awareness about living donation, but also to get more people to sign up to become organ donors.
"In our 14 years of going to (B.C. Children's Hospital), we've seen a lot of kids come and go and it's sad how long they have to wait."
The number of people on B.C.'s organ transplant registry is growing, said B.C. Transplant spokeswoman Tina Robinson.
As of December 1, 2016, 1,044,908 people were on the registry. But while 95 per cent of British Columbians say they support organ donation, less than 23 per cent are signed up.
Meanwhile, as he waits in hope for a kidney, Zach does his best to live as normal a life as possible.
There are some things he can't do, such as swim in lakes or rivers because of his catheter, play hockey, or do sleepovers. But that hasn't dimmed his zest for life.
"I don't think of it as a bad thing," said Zach of his kidney disease. "I think of it as a challenge I could conquer."
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Reports trickling out of Russia last week said that Stalin had taken three steps on the atomic bomb:
¶ He told Scientist Peter Kapitza to "build whatever you need" for basic atomic research.
¶ He assigned Pavel Sidorovich Maltzev, an engineer, to take charge of research on manufacturing problems which would be encountered later. Maltzev would have the help of 34 German scientists.
¶ He ordered Lazar M. Kaganovich, chief of Soviet heavy industry, to develop an atomic bomb in two years, a defense against it in six months.
Kremlin jitters may have planted a Paris report that Russia had "infra-cosmic...
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Ulcerative Colitis and Anemia
You may have been diagnosed with anemia or know someone who has. Understanding the correlation between Ulcerative Colitis and anemia can be the first step in getting effective treatment and taking care your health. Avoiding the dangers of anemia can only come with careful and frequent monitoring from your physician and following your prescribed treatment plan carefully.
What is Anemia?
Anemia is a medical condition affecting the blood. The most common causes are iron deficiency anemia from blood loss and B12 anemia from malnutrition. Anemic patients have a decreased number of red blood cells in their body, or their blood cells don't have enough hemoglobin. Hemoglobin is a necessary protein that is high in iron. It is what makes the blood appear red. Hemoglobin is important for allowing red blood cells to carry oxygen from the lungs into the entire body. The problem with anemia is that anemic patients do not receive enough oxygen to their cells and tissues. Anemia is caused by blood loss, not enough red blood cells being produced in the blood, or an increased rate of red blood cell destruction. Anemia can also be called iron-poor blood, low blood or tired blood. Treatment is an iron supplement. However, for people with Ulcerative Colitis it is important to take the proper kind of iron supplement. Iron supplements you find in the drug stores cause intestinal upset and bloody diarrhea and in some people constipation. Though constipation may sound good if you have diarrhea with your UC you have to be careful of toxic mega colon. You want an iron supplement that bypasses the digestive system and won't upset the colon. My son took angstrom minerals. Bio-sized sized ions bypass the digestive system so the body receives the iron without upset. Supplements like this are called cell ready or body ready. Click on the image to read more about the product so you can make an informed decision.
There are also several different types of anemia.
Types of Anemia
Who is at Risk for Anemia?
Anemia is a fairly common condition. It can affect patients of all ages, races, ethnic group; although some are more prone to specific types of anemia. It is not gender specific, however, women in their childbearing years can be at a higher risk due to the loss of blood from the menstrual cycle. Pregnant women can also be more at risk for anemia due to changes in the blood that create low iron levels and decreased amounts of folic acid. In the first and second trimesters of pregnancy a mother's blood becomes more diluted, decreasing the ratio of red blood cells to plasma. This puts the mother more at risk for anemia. Men, women and children with ulcerative colitis are extremely susceptible to developing anemia because of the constant blood loss in the stool from the ulcers in the large intestine.
Babies and toddlers can also be at risk for anemia. Children under one year of age can have iron deficiency anemia. Infants who are especially at risk include those born prematurely, breastfed babies, and babies fed formula that is not fortified with iron. Children between the ages of one and two may not receive enough iron in their diet, especially if their diet largely consists of cow's milk. Cow's milk does not contain enough iron for proper growth and development and it can also keep a toddler from eating the iron-rich food he or she needs.
Older adults or those with other existing medical conditions can also be at an increased risk for developing anemia. More research is currently being conducted to find out more information regarding anemia and older adults.
Anemia Risk Factors
There are additional risk factors for developing anemia. Some of these risk factors can be decreased or eliminated. These include:
• Long-term or serious illnesses, for example, cancer, HIV/AIDS, inflammatory bowel disease, including Crohn's disease, Ulcerative Colitis, diabetes, rheumatoid arthritis, liver disease, kidney disease, heart failure, and thyroid disease.
• A diet lacking enough iron, vitamins, and minerals
• Surgery or injuries resulting in blood loss
• Long-term infections
• A family history of certain types of anemia, such as Thalassemia or sickle cell anemia
Symptoms of Anemia
Most patients who have anemia experience fatigue and weakness. At times, they may lack the energy needed to participate in normal daily activities such as eating and showering. Other signs and symptoms of anemia are:
• Shortness of breath
• Dizziness
• Headaches
• Feet or hands that are often cold
• Skin that is too pale
• Chest pain
These symptoms occur because the heart works harder to get enough oxygen to various parts of the body. However, patients with mild or moderate anemia may only experience mild symptoms or possibly none at all.
How is Anemia Diagnosed?
In order to diagnose anemia, your doctor will perform a full physical examination, including blood work. He or she will discuss your symptoms and order a complete blood count to measure various parts of your blood. This test will indicate whether or not you have normal levels of hemoglobin and hematocrit. If your doctor suspects your anemia is due to internal bleeding, additional tests may be ordered.
Treating Anemia
Treatment for anemia is focused on increasing the amount of oxygen the blood can carry. The treatment you receive will be based upon the type of anemia you have, as well as how severe it is. Treatments include changes in diet, to include more iron-rich foods, as well as B12, folic acid, and iron supplements. Some patients may also require prescription medications or blood transfusions. Iron, B12 and folic acid are absorbed in the body through the large intestine. People with Ulcerative Colitis will need higher doses of B12 and folic acid. Contact your doctor regarding dosage. Regarding iron, however, iron can be very hard on the intestinal tract. It is also found in many foods that can aggravate the colon. A supplement of a special formulation of iron in a liquid form that is easy to absorb is necessary.
Receiving a diagnosis of anemia can be surprising, yet it can bring a sense of relief at the same time. When proper diet and lifestyle changes are followed, anemia can be a very manageable condition. You can live a normal life with anemia when your disease and symptoms are controlled by paying attention to nutrition, supplements, and your own energy levels.


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Blidworth & District Riding Club
Membership 2018
Membership is from 1st March 2018 to 28th February 2019.
Membership forms can be downloaded from the bottom of this page or collected from Cross Lane Equestrian. We can also post them if required.
Cost of Membership
Adult £12.50
Junior (aged 18 and under) £10
Under 16's must be accompanied by a competent adult at all events.
Details of this year's events will be confirmed after the New Year and booking forms will be on the website.
Please return your membership form along with membership fees to Cross Lane Equestrian, Cross Lane, Blidworth, Notts NG21 0LZ. A separate membership booking form must be completed by each person wishing to be a member of the club.
Please remember and respect that Cross Lane Equestrian is a livery yard. There will be times when horses do come through the school.
Spectators are very welcome in the area near the entrance to the school.


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Some Is Better Than None
I like being impressive. Don't you? I mean, who doesn't like setting audacious goals and accomplishing something awesome? No one doesn't like that. Because challenging yourself and stretching your limits is exciting! However, there is one side effect of this...
I like being impressive. Don't you? I mean, who doesn't like setting audacious goals and accomplishing something awesome?
No one doesn't like that. Because challenging yourself and stretching your limits is exciting!
However, there is one side effect of this that tends to hold us back: a habit of living in extremes. My entire life I have been like this. I'm either all in or all out. I'm either exercising every day or sitting on the couch eating Oreos by the sleeve. I'm either hot or cold, on or off. There's no in-between.
During a recent EntreLeadership conference, I spoke about making small changes to how we interact with our phones and technology in order to be more present for our families. Afterward an attendee came up to me and said, "I loved your talk! You're so right! I just want to rip out every electronic device in my house!" I laughed at his enthusiasm because I could relate.
I always gravitate toward the extremes in my life—never resting in the safe middle of moderation. But the problem with this cycle is that when I'm on, I'm so on that it's not sustainable. And when I'm off, I'm so off that I give up entirely.
We've trained ourselves to believe if we can't do it all then we shouldn't even try. A great example of this is trying to eat healthier. We've all eaten a huge cinnamon roll or half a box of doughnuts early in the day and concluded in our minds that we've already "messed up" so we should probably just gorge on pizza because the day is wasted. We throw in the towel and give up.
But if we want to maintain healthy and wise life choices for longer than a couple of weeks, we have to attempt something that's neither exciting nor impressive: moderation. Some is always better than none.
I had a friend say a great line to me once: "A 20-minute walk is better than not going for a four-mile run."
Good point. And today, I wanted to clean my entire house and write eight articles. I only got half of it cleaned and only managed to write three articles. This moderation thing is a daily struggle for many of us.
So if you've messed up your diet or don't have time to go to the gym to get a "good workout," that's okay. Don't give up. Make a better choice for the next meal and do a few pushups in your living room while watching TV. I'll finish the laundry tomorrow and get the articles written one at a time, a little at a time. It's not as impressive, but at the end of the day, some is always better than none.
Leave a Comment
Thanks for all you encouraging and practical articles. I love them!
I totally agree with the 'moderate' assessment. I took a day off work yesterday specifically to clean the vinyl siding on the back porch and another small area…and had hoped to clean the upstairs. I told myself as I was getting everything ready to begin that even if the siding wasn't perfectly clean when I finished, it would sure look better than it did when I started. And, I never did make it upstairs. I'll leave that for another day off. 🙂
Oh, how I can relate ! I am learning . . . and you CAN teach an old dog new tricks. Thankful that I am not wanting to be so hard on myself. Thanks for sharing your heart.


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"I was in bed on Sunday morning when Page 3 girl Nicola T rang. She informed me stills from a personal video I had made with an ex-boyfriend were in a downmarket newspaper. I got straight up and went out and bought it. I just burst into tears when I saw the images staring back at me."
Pointing the finger at ex-boyfriend Lloyd Miller, Keeley went on to say:
"Never in my wildest dreams did I think he would betray me in this way. Now I don't know who I can trust. I never had any intention of it being seen. I haven't even seen it myself and have no intention of doing so. We had taken a video camera on holiday with us to Tenerife last summer. We were both feeling relaxed after a couple of drinks and it just happened. I have turned down offers to do Playboy covers because there were certain things I simply didn't want others to see. Now I feel I have no dignity left. In future I know I will have to be more careful who I fall in love with."
So out of respect for Keeley we ask that you please don't view her sex tape, anymore, today, or at the least, right now, this minute.
Also, if you're wondering who Nicola T is, photos after the jump….
See/find out more at Nicola-T.com


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Everyone experiences feelings of tightness, stiffness and pain in their upper back and neck from time to time. You may even experience these symptoms more often than not, especially if you spend most of your day sitting slumped over your computer. Stretching and lengthening the muscles in your neck and upper back with yoga may help alleviate or eliminate symptoms of tightness and pain, increase the range of motion in your neck and upper back, and promote improved posture.
Most cases of upper-back and neck pain are caused by poor posture, stress and injury, says chiropractor David Dwyer. Stress results in tension and muscle tightness and affects your posture. Certain injuries like whiplash can also cause or exacerbate upper-back and neck pain. According to Lori Corbin, certified personal trainer and nutrition and fitness reporter for ABC7 Eyewitness News, desk workers and people who spend extended hours in front of their computers often suffer from a forward head posture, one of the most common types of poor posture that generally leads to neck, shoulder and back tightness and pain.
Benefits of Yoga
Yoga may provide physical, psychological and energetic benefits for stress and postural-related neck and upper-back pain, according to yoga therapist at Duke Integrative Medicine Carol Krucoff in her book, "Healing Yoga for Neck and Shoulder Pain: Easy, Effective Practices for Releasing Tension and Relieving Pain." On the physical level, yoga helps stretch tight, stiff muscles, increases flexibility and promotes an improved range of motion. Psychologically, yoga may equip you with enhanced stress management and relaxation skills. On the energetic level, Krucoff states that yoga may also help promote the healthy flow of "prana," or your life force energy, which can reduce physical and emotional blockages in your back, neck and entire body.
Specific yoga poses and exercises may help restore your range of motion, increase flexibility in your neck and upper back, and improve poor posture and the forward-head position, according to physician and certified Iyengar yoga instructor Mary Pullig Schatz in her book, "Back Care Basics: A Doctor's Gentle Yoga Program for Back and Neck Pain Relief." The poses include yoga neck stretches, kneeling backbends, arm raises and supported, restorative poses combined with breath work and imagery exercises.
Certain yoga postures should be avoided or modified if you suffer from neck and upper-back pain. According to Schatz, traditional head-rolling stretches and exercises can be hazardous and should be avoided. Yoga for your neck and upper back should not cause or exacerbate pain. Obtain clearance from your doctor before beginning a yoga practice, especially if you suffer from a medical condition or injury that may affect your ability to perform yoga. The Mayo Clinic advises you to consult your doctor if neck and upper-back tightness persists or is accompanied by other troublesome symptoms, such as shooting pains down your arm, numbness or loss of strength in your arms or hands, or changes in your bladder and bowel movements.
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Our Career Resource Center (CRC) is equipped with resources that would assist in making our services accessible to individuals with a disability.
Equipment includes:
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I bought this LED bulb about 21 months ago for €11.99.
I liked it!
Now, you've certainly noticed that I used the past tense in the previous sentence. It failed a couple of days ago. Today I tried to have it replaced at IKEA, but they refused. Yes, there is a 24 month 'warranty' in the EU, but the WEASELS have ways to wriggle out of that. At least if you don't want to involve a lawyer over just 12 bucks.
How long did it last? Well, less than 24 months, duh. If I use a conservative estimate of about 1-2 hours of operation a day, that translates into somewhere around 1000 hours. A surprise, maybe not. Very far from the numbers usually claimed, which are in the 10'000s of hours.
This bulb was marketed as a 60W equivalent. With a kWh price of about €0.26, the bulb has payed for itself, barely.
Symptoms: excessive heat, shuts down on its own (presumably over-T protection), very bad smell emanating from the bulb.
I didn't manage to remove the LED carrier, too much epoxy.
Texas Instruments TPS-92070-based. Interesting thing, using isolated current sense feedback using a small transformer.
It looks like there might be a crack in the capacitor, but it's OK.
The large transformer is used for DC/DC conversion, the small one provides isolated LED-current feedback. See the datasheet for some details.
I suspected a blown capacitor, but I didn't find any of that! Except for the bad smell, I didn't find anything obvious. Fortunately the LEDs are still OK (350mA-ish @ 16V-ish). The lamp should take 8.1W. The power-supply has an efficiency of about 80% (see datasheet), the LEDs should take about 6.5W (about 400mA). The current-sense resistor of 240mOhm + the current-sense threshold voltage of 100mV give about 417mA, looks OK to me.
I've removed the E27 connector, just to be on the safe side. The hole at the bottom will come in handy for adding a barrel connector.
I think I will convert this bulb to a low-voltage lamp at some point in the future – using my favourite PT4115 constant-current LED driver with an external power supply. After removing the old power-supply, there is enough room for adding a small circuit board with that driver, a micro and maybe 2 buttons for brightness control.


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Superdrug MUA Shade 1 Swatch
I did actually want to wear some Deborah Lippmann Across the Universe but I didn't have any. I did, however, have an empty nail varnish bottle so I made some frankenpolish out of the MUA Shade 1 by adding some blue glitter polish to it (beauties_salon on eBay sells it). I've named the frankenpolish Across the Universal Studios Car Park.
Across The Universal Studios Car Park Nail Bling.
It's like having loads of little blue ultra-brite LEDs in my nails, but these aren't quite as dazzling and they don't use electricity. They're so bright that sailors could probably use my nail bling to navigate their way home.
This frankenpolish certainly made my camera go a bit funny, it doesn't seem able to cope with all the shinyness and makes everything look clumpy and awkard when it looks well blingtastic in real life. I had to dig out my turn-of-the-century Kodak awful-cam to get the blurry picture on the left as the phone-cam could not hack it. Seriously need to invest in a half-decent camera at some point, just need to stop buying plugs and polish and plates and posh coffee for a while.


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Having just finished my fermented buckwheat bread the day before and craving for some baked grains, I decided to make a quick bread using baking powder.
As it definitely is zucchini season and my kitchen is filled with these sweet babies constantly getting some more from both my parents and in-laws, I just had to put some in the bread.
This recipe is 100% whole food, but I'll give you a lazy-version below should you be in a hurry, like I was 🙂
300 ml (120 g) oat flour
140 ml (80 g) unroasted buckwheat flour
1 tsp baking powder
1 tsp baking soda
1 tsp cinnamon
2 cups (480 ml) coarsely grated zucchini
1 ripe banana
1 cup (240 ml) plant-based milk (I used unsweetened rice milk)
6-8 dates (I used 6 as I did not want it overly sweet)
Soak the dates in milk for about 30 minutes. Chop them first, if very dry. Put dates, milk and banana in a blender and process until smooth.
In a bowl, mix together flours, baking powder/soda and cinnamon.
Pour wet mixture into bowl and mix the ingredients well. Carefully mix in grated zucchini.
Grease a bread loaf or line it with parchment paper and pour the mixture in. Bake at 350 F (175 Celsius) for 65-70 minutes until tooth-stick comes out clean.
- Lazy-version of Zucchini Bread: Ditch the dates and use 2-3 tbsp agave syrup instead. Use a bit less milk (about 210 ml) as there are no dates to suck it in. Mash the banana with fork and mix it in.
- Save time by making muffins instead. Bake for 30-35 minutes + they cool down much quicker.
- If you use tartrate baking powder (like I did), add 10 g to the dry ingredients. Also, ditch the baking soda.
- Experiment with other vegetables/fruits: carrot, apple, or pumpkin.
- Use any plant-based milk. However, you could also use plain water or blend a small handful of preferably soaked nuts with water and the banana from the recipe.
Nutritional info (1/10 of bread or one muffin): 111 kcal, 21.2 g carbohydrates, 1.49 g fats, 3.23 g protein, 2.64 g fibre
Nele Liivlaid: founder of Nutriplanet.org She has been into healthy eating for many years, but developed a more profound interest in nutrition and related diseases when she started reading The China Study and other special books on nutrition. After being in real estate and hospitality business for more than 10 years she decided to totally change her path to spread the word about healthy and sustainable nutrition and lifestyle.


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Rumors and controversy continue to surround the mysterious absence of North Korean Dictator Kim Jong-un after he failed to appear at an important anniversary ceremony. There was no sign of the infamous figure at the 69th anniversary of the founding of the Worker's Party of Korea, during which the young ruler also traditionally marks the passing of Kim Jong-Il and Kim Il-Sung, both former North Korean dictators.
Since he stepped into power in 2011 after the death of his father, Kim Jong-un has marked each anniversary with a visit to the Kumsusan mausoleum in Pyongyang with his top military and party officials in tow. The Kumsusan Palace of the Sun is one of the country's most sacred sites and the ruler's annual visit represents an important leadership ritual, where Kim is expected to pay tribute to the mummified bodies of his father and grandfather, both former rulers of North Korea.
However, on Friday the state-operated Korean Central News Agency made no mention of Kim Jong-un among the high-ranking state officials and military personal that were present at the mausoleum. Instead the only hint of the dictator's presence was a basket of flowers that was placed before the statues of Kim's father and grandfather. The highest-ranking official to attend the ceremony was Hwang Pyong So, the nation's second most important figure.
This latest absence has served to add further fuel to the fire of the North Korean leader's mysterious disappearance from the public spotlight. Not seen since he attended a concert with his wife on September third, Kim Jong-un has been missing from the public eye for nearly 40 days. This behavior is widely regarded as unusual for Kim, who has not made less than 11 public appearances a month since the beginning of 2013.
After missing such a crucial anniversary ceremony, rumors and allegations continue to spread concerning Kim Jong-un's health and the present state of North Korea during his absence. Evidence has led some to believe that the young dictator is suffering from increased weight gain and a deterioration in health. The same news agency that reported Kim's absence from the Worker's Party anniversary also allegedly reported last month that he had been feeling unwell. In a move controversial to North Korean media, which is closely censored, the dictator was shown on national television while limping.
Another possible speculation is that Kim Jong-un has been overthrown, or at least has temporarily stepped back from power, and that North Korea now lies in the hands of his younger sister, Kim Yo Jong. The youngest of the family, Kim Yo Jong allegedly attended school with her brother in Switzerland and since returning to North Korea has taken up several roles of responsibility within the ruling Worker's Party. According to reports, Kim Yo Jong had already begun to emerge into the public eye earlier this year, making appearances at party functions, and has recently been recognized as the Worker's Party deputy director, placing her in an ideal position to step into power.
As always, the reasons behind Kim Jong-un's absence at the Worker's Party anniversary and the truthful nature of events within North Korea's borders cannot easily be verified. Officially titled the Democratic People's Republic of Korea, the country is nonetheless widely considered totalitarian and has remained mysteriously censored from external eyes for decades.
By Mathew Channer
Neuw York Times
Washington Times


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If you started your sourdough starter after reading my last post then it will be pretty much ready to bake the most delicious loaf of bread. I promise you that the wait to get to this point has been well worth it! The loaf you are about to make will have a crunchy crust and … Continue reading
Tagged with Baking …
Christmas Kitchen Fun – Gingerbread House
Well what a lot of fun! Freddie, with a small amount of help, completed the mammoth challenge of creating a gingerbread house. Having never made one myself I decided that this was not the time for experimenting and used the recipe and templates on kidspot. It provides recipes for the gingerbread and icing and detailed … Continue reading
Christmas Kitchen Fun – Christmas Cake
Well Christmas has well and truly arrived in the Freddie's Food household with a decorated Christmas tree, Carol singing and even a ride on a camel. To say Freddie is excited would be an understatement! I stumbled across a creative advent idea in The Imagination Tree, a great blog with heaps of ideas to do … Continue reading
My sugar free verdict
Well my month 'sugar free' has come to an end. I pretty much managed it with the odd slip up here and there. Sugar really is everywhere! My verdict on going sugar free is that for the whole family I want to try and keep refined sugars to a minimum, they do nothing for our … Continue reading


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by Stephanie Faris
Published on 9 September 2013
Customers today are accustomed to paying bills, checking bank balances, and locating the nearest restaurant online. So tasks that require making a phone call can easily be put off, including making medical appointments and scheduling haircuts.
BookerLooker gives customers the ability to schedule appointments for participating businesses using a smartphone, tablet or PC. In this BookerLooker Review, I'll take a look at BookerLooker's functionality through the eyes of a busy consumer, interested in quickly and reliably make appointments online.
BookerLooker was created when its founders noticed that many establishments were still booking appointments using pen and paper. Such processes are not only error-prone, they're outdated in today's technology-driven business world. Appointments should be moved online, where professionals can access them from home or work.
BookerLooker works with customer service-based businesses such as hair salons, massage parlors, spas, and law firms to automate scheduling and provide web-based access to their customers. By allowing online scheduling, BookerLooker gives customer service businesses the ability to gain an edge over the competition.
BookerLooker provides a dashboard that allows a business to see an appointment book for an entire team. Appointments can be manually entered by workers and printed for easy portability. Multiple staff members can be displayed on one screen, with each worker having his or her own column.
Dates at the bottom of the screen allow workers to easily move between dates within a month. The system can also be set to denote whether an appointment has been paid or not, as well as designating those who set appointments over the Internet.
Through BookerLooker's Clients List section, businesses can store and access a full address book listing every client alphabetically. Unlike a traditional address book, the BookerLooker Clients List provides the opportunity to track expenses and number of visits. A reporting section provides businesses information on visit activity and income for selected periods of time.
BookerLooker's online appointment book has a clean, simple interface that closely mimics a traditional appointment book. To add an appointment, workers can either click on the timeslot or choose "Add Appointment."
On the customer side, scheduling an appointment is easy. Clients can use the BookerLooker Widget to book appointments either through the business's website or Facebook page, which is great for marketing. A new visitor to a hair salon's Facebook page, for instance, might see the widget and feel tempted to make an appointment while they're there.
When the day of the appointment nears, BookerLooker can send e-mail or text reminders to customers to ensure they don't forget.
By providing customers the opportunity to make appointments online, establishments will reduce the number of phone calls, freeing up staff to focus on more important tasks. Automated reminders also take employees off the phones, since they'll no longer have to call clients to confirm appointments. Customers like being able to schedule appointments online, as well, since they can do so using their favorite mobile devices without having to make a phone call.
But BookerLooker goes beyond online appointment-setting. The app becomes a businesses' appointment book, with staff able to manually add appointments, as well. Since the app is Cloud-based, when an employee turns the book to a specific date, it's already updated, including any appointments that have been placed online. This helps prevent dual bookings and allows workers to see how busy their schedule is for weeks in advance.
One of the best features of online appointment-scheduling is that customers can set an appointment 24 hours a day, 7 days a week. No more calling a hair salon on Monday, only to remember most salons are closed that day. And for businesses that require payment as appointments are made, BookerLooker offers payment integration via PayPal.
BookerLooker also adds a few extra touches, such as the ability to send "Happy birthday" e-mails to clients. Within the Clients List section of the app, businesses can add in small details about each client, including preferences. Because the app captures the visit history of each customer, employees can easily learn more about a client before they walk in.
BookerLooker can help a business ramp up its marketing efforts by automating invitations to special events, like customer appreciation parties. And because BookerLooker provides support for a variety of languages, businesses can better serve their diverse customer bases.
BookerLooker prides itself on its stellar customer support, feeling that its clients are its business partners. When a business requests an update or new feature, BookerLooker takes that request very seriously. Customers can obtain support both online and via telephone, although the link to customer support was not visible in the version I tested.
Monthly subscriptions are available for $15 for one user or $29 per month for two to five user licenses. For larger businesses, BookerLooker offers a monthly plan that costs $49 per month and provides an unlimited number of licenses.
If a business wants to try out BookerLooker before buying, the company offers a 30-day free trial with no credit card required.
BookerLooker is more than a Cloud-based appointment book. The app makes the process of scheduling appointments for services easy and well-organized, preventing errors while freeing up staff time to focus on their current appointments. Through BookerLooker's "extras," staff can provide customer service they would not normally be able to offer, like birthday e-mails and automated reminders.


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1- 8 2s+3s set and dance La Baratte with partners:-
' Men ½ turn opposite Lady RH and retains hand but at arms length from each other, Men retrace steps with Lady turning right under Man's arm briefly 'into Allemande hold (Man behind Lady facing Lady's original place) and releasing Lady's RH she turns under Man's left arm until almost in original 'places and couples change place LH to opposite positions to end facing out in prom hold Men with person on right (not with partner)
9-16 2M+3L (prom hold) dance LSh reel of 3 on Ladies' side while their partners dance (prom hold) LSh reel of 3 on Men's side, meet in middle, change partners and continue reel (prom hold) with own partner (2s on Ladies' side and 3s on Men's)
17-24 3s+2s dance RH across, 3s lead up crossing and cast 1 place as 2s lead down crossing and cast 1 place. 1324
25-32 1s+3s also 2s+4s Set&Link and all chase ½ way. 24(1)(3)
(MINICRIB, Dance Crib compiled by Charles Upton, Deeside Caledonian Society, and his successors)
3s 4s cross on second chord.
1-2 2s3s set;
3-8 2s 3s dance la baratte:
3-4 2s 3s cross by the right and retain hold with arms fully extended;
5-5 2s 3s cross halfway back, raising right arms so that each L can dance under partner's right arm and taking left hands with partner, finishing on the centre line, Mn behind partners, 2s facing down, 3s up;
6-6 2s 3s continue to cross, releasing right arms and raising left hands so that each L can dance under partner's left arm, finishing by retaining left hand hold with arms fully extended;
7-8 2s 3s cross by the left, finishing 2L3M 2M3L in promenade hold, facing out on the sides;
9-12 giving left shoulder to start, 2L3M on the Mn's side, 2M3L on the Ls' side, promenade half reels of 3, finishing in the centre, 3L2M facing down, 3M2L facing up, releasing hold and taking promenade hold with partners;
13-16 giving right shoulder to start, 3s on the Mn's side, 2s on the Ls' side, promenade half reels of 3, finishing in the centre, 3s facing down, 2s facing up, and releasing left hands;
17-20 3s2s right hands across, finishing 3s facing up, 2s down, retaining right hand hold with partners only;
21-24 3s cross up and cast to 2nd place on own sides WHILE 2s cross down and cast up to 3rd place on opposite sides;
25-28 1s3s 2s4s set and link for 2 on the sides, finishing 3s1s4s2s, 4s 2s on opposite sides;
29-32 all chase halfway clockwise, finishing 2s4s1s3s, 1s 3s on opposite sides.
(MAXICRIB, Scottish country dancing instructions compiled by Reuben Freemantle)
5-6 In each couple, the dancers are travelling sideways for most of the time and actually backwards for each L at the end of the phrase; halfway through this movement, each couple is briefly in allemande hold but with the M behind the L, 2s facing down, 3s up.
9-16 These promenade reels and the changeover are as in bars 9-16 of The Bees Of Maggieknockater but start by going to the left when with the "wrong" partner, then to the right with the "right" one; 1s 4s dance this as a continuous full reel of 3.
17-24 This combination of figures is as in bars 25-32 of Blooms of Bon Accord; 3s 2s retain right hand hold after the right hands across to make a flowing movement into the crossing out of the ends.
Back to the top of this Scottish Country Dancing Instructions 'Hunter's Moon' page


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Who really knows what to believe regarding the size of the mortgage market in 2011? One agency says it will look the same as in 2010; another predicts a 30% decline in mortgage originations.
Despite tumult in the mortgage market, mortgage services vendors see opportunities for credit unions—ones the big banks and mortgage brokers let slip away after getting stung by the housing market's recent setbacks.
"The mortgage lending opportunity has opened greatly for credit unions," says Barry Malone, vice president of sales at FICS. "In many areas of the country, credit unions are dominating the mortgage lending space. The origination volume is so high they can barely handle it."
Malone says a great credit union strength is that they can use other staff, such as call center and consumer loan employees, to pitch in and handle high mortgage demand until it slackens.
Mortgage bankers tend to hire and then lay off staff depending on mortgage demand and volume.
Still, he says, what keeps many credit unions from entering the mortgage market is lack of trained staff and the fear of possible consequences.
Linda Clampitt, senior vice president at CU Members Mortgage, agrees that lack of staff expertise can hamper credit unions' entry into the market. "There was an extraordinary volume of mortgage originations coming to credit unions in the late spring and early summer of 2009. But that market share has since fallen.
"I'm not sure why," she continues, "although I think one factor is that credit unions have been slow to hire and train staff that can accommodate the volume. So rather than waiting for a loan decision from a credit union, some home buyers go elsewhere."
If credit unions have the right staff and technology, says Malone, they can enter a market where the competition has decreased significantly over the past three years. "They can do well provided they maintain their traditionally strict lending criteria and use technology to stay in 100% compliance."
But, he adds, doing well may involve going beyond just holding portfolio loans or selling them off, servicing released. "Many credit unions act like brokers, originating mortgages and then selling them on the secondary market. But credit unions' niche is service. Many don't like keeping 30-year loans on the books so they sell them off, servicing released.
"But you can't grow doing that," Malone adds. "It's important to have other avenues to keep your 30-year loans. Selling loans to Fannie Mae, Freddie Mac, or a Federal Home Loan Bank lets a credit union originate an unlimited number of loans, retain the servicing their members desire, and earn servicing fee income."
Malone cites a credit union in Ohio that has amassed a huge secondary market mortgage portfolio. "Servicing these loans generates about $1.3 million per year in service fees, and the program requires only 1.5 employees to administer."
While keeping mortgages in portfolio may generate income, Clampitt says the practice isn't without risks. "There still are lot of defaults and high unemployment," and keeping low-rate loans in-house may not be a good long-range strategy.
Malone agrees that declining home prices can create problems for existing portfolio loans. "But if a credit union mitigated its risk with a mix of portfolioed and secondary market loans, the risk is significantly smaller."
Credit unions also have high-quality mortgages, by and large. "Credit unions didn't get caught up in subprime lending," he says. "A few years ago, if you breathed, you got a loan. Now there are more stringent approval requirements."
Malone says the practice of selling loans on the secondary market saved many credit unions a lot of distress later on when borrowers defaulted or, due to falling values, owed more on their houses than they were worth.
Credit Union National Association member credit unions can receive significant cost benefits from the two primary secondary mortgage market providers, Fannie Mae and Freddie Mac.
Next: A compliance burden


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Let Today be Tomorrow
1 May 2011
Redeemer Lutheran Church
Vancouver BC
The Rev'd Dr Richard Geoffrey Leggett
Saint Faith's Anglican Church
+ May the Holy One of Israel who sent the Word into the world to testify to the truth lead us into all truth by the power of the Spirit. Amen.
In the fall of 1978 I began my seminary career at Nashotah House Theological Seminary just west of Milwaukee, Wisconsin. At some point in the year we celebrated the successful conclusion of the first dialogue series between American Lutherans and Anglicans hosted by my seminary given the involvement of one of the faculty on the Dialogue. Two years later a similar event was held, also at Nashotah, to celebrate the beginning of the second dialogue series.
Since that beginning more than thirty years ago, my life as a presbyter of the Anglican Church has been marked by an involvement in this facet of the recovery of our visible unity in Christ which is already ours spiritually through our dying and rising with Christ in the sacrament of baptism. After so many years of involvement it was with great joy that I received an invitation from the National Bishop, Susan Johnson, and the Primate, Fred Hiltz, to preach at the first joint meeting of our two executive councils, the Lutheran National Church Council and the Anglican Council of General Synod, a month ago.
When Archbishop Morgan, the chaplain for the meeting, contacted me about the opening eucharist, he asked me whether I wanted to use the readings and prayers for John Donne, the seventeenth-century Anglican theologian, whose commemoration, for both Anglicans and Lutherans, falls on the 31st of March. Now I have a deep and abiding respect for John Donne, but I realized that the church's oldest custom is to begin a liturgical day at sunset the day before, a practice we inherited from our Jewish ancestors in the faith. That meant we could let today be tomorrow and I could honour one of my theological heroes, Frederick Denison Maurice, who died on the 1st of April in 1872.
In 1853 Maurice was a middle-aged Anglican theologian teaching at King's College London, when he published a series of essays which attracted significant attention from the religious establishment. King's College was already the subject of considerable scrutiny as an Anglican balance to the so-called 'secular' University College London. University College had been established to provide university-level education for non-Anglicans in contrast to the Anglican universities of Cambridge and Oxford. Together King's College and University College were united in the 1830's to create the University of London. But the merger did not lessen the scrutiny directed at this early ecumenical venture.
Maurice challenged a number of the commonly-held positions of some leaders of the Church of England, but he was especially critical of several views held by the so-called 'evangelical' party. In the final essay he addressed the question of 'everlasting punishment', a principle that the evangelical party saw as crucial to maintaining society's stability. Without this teaching, it was thought that the lower classes would not behave in a manner that preserved the social order of early Victorian Britain with its distinctions between the rich and poor, the upper classes and the lower classes, management and labour.
'Everlasting punishment' left no room, Maurice argued, for God's eternal love, a quality essential to God's very nature. It was God's intent that we become who we truly are, God's beloved, made in the image and likeness of God. While we could resist God's love, perhaps even into whatever awaits us after our death, God's last word to each of us is not 'everlasting death' but 'eternal life', a 'yes' that shatters any 'no' human fears and desires for control can utter. Towards the end of his essay Maurice wrote these words, ones that continue to remain with me every time I begin to doubt what the future holds for me, for my Christian community and for our world:
I ask no one to pronounce, for I dare not pronounce myself, what are the possibilities of resistance in a human will to the loving will of God. There are times when they seem to me --- thinking of myself more than of others --- almost infinite. But I know that there is something which must be infinite. I am obliged to believe in an abyss of love which is deeper than the abyss of death: I dare not lose faith in that love. I sink into death, eternal death, if I do. I must feel that this love is compassing the universe. More about it I cannot know. But God knows. I leave myself and all to Him. (From 'Eternal Life and Eternal Death' in Theological Essays, 2nd ed. published in 1853)
Maurice's confidence in the 'abyss of love' was grounded in the 'foolishness of God' that Paul speaks of in our reading from 1 Corinthians. In the death of Jesus of Nazareth we see the abyss of God's love, an abyss which is far deeper than the human sin which led to his death. While there are many ways theologians have attempted to explain why Jesus' death bridges the gap between God's love and human sin, one thing remains clear: God's 'yes' to humanity, a 'yes' embodied in the life and witness of Jesus of Nazareth, remains stronger and more faithful than any of the 'no's' human beings can express, whether that 'no' is found in the worship of power, in the poverty of human greed or in the denial that there is any more to life than the sometimes flat surface many of our sisters and brothers call 'reality'. Just as surely as plants will seek the sun, even human perversity will eventually seek the warmth of God's love and follow the path that this love tracks in the universe.
What both Paul and Maurice realized is that today is tomorrow. For Paul the story of humanity's creation and fall is recapitulated in Jesus of Nazareth with a stunning reversal of human sin, "(so) if anyone is in Christ, there is a new creation: everything old has passed away; see, everything has become new!" (2 Corinthians 5.17) Later in the same letter, Paul writes, "See, now is the acceptable time; see, now is the day of salvation!" (2 Corinthians 6.2b) For Maurice the gospel of John with its proclamation that, in Jesus of Nazareth, the Word has been made flesh and dwells among us is a clarion call to recognize that the kingdom of Christ is as well as shall be. Just as the Samaritan woman heard Jesus say, "I am he, the one who is speaking to you," surely Maurice would affirm that the same voice, the same eternal presence, speaks to you and to me today.
While it is difficult for some people to believe in God's final renewal of the kosmos and our own resurrection, it is even more difficult for many believers to live in 'eternal' life, a recognition that the reign of God is a present reality as much as it is a future hope. It seems so very foolish, in the face of natural disasters in many parts of the world, in the face of civil unrest and violence in other places and in the face of thinly-veiled apocalyptic rhetoric of a federal election campaign, to believe, as the old hymn puts it: "My life flows on in endless song above earth's lamentation. . . . No storm can shake my inmost calm, while to that Rock I'm clinging. Since Love is lord of heaven and earth, how can I keep from singing?"
My sisters and brothers, we are gathered to celebrate ten years of full communion between our two churches in Canada. Although our formal agreement of full communion is but a decade old, our work in Canada reaches back more than three decades and our relationship as two reform movements in the Catholic Church more than four hundred and fifty years. Over these past thirty years I have seen us dutifully crossing the 't's' and dotting the 'i's' and even the 'j's' in order to achieve some semblance of visible unity. But I feel the time has come for some serious foolishness on our part if we are to proclaim Christ crucified and risen to our country and, perhaps, to our world.
What I am hoping for, what I believe others in our two churches are hoping for, is some dramatic steps forward, even at the risk of looking foolish during a time of fiscal uncertainty and a natural but perhaps unwise temptation to withdraw inward in the interests of institutional survival. The irony is that retrenchment can lead to stagnation and stagnation leads eventually to death. Paul's missionary journeys to the cities of the Mediterranean world were not about institutional survival but about sharing the good news of God in Jesus of Nazareth --- even when that message was 'a stumbling block to Jews and foolishness to Gentiles' (1 Corinthians 1.23b) Maurice's essays were not about institutional survival but about sharing the good news of God in Jesus of Nazareth to an industrial working class that had been marginalized by those with power and influence and who needed a message of hope rather than the reading of a theological 'riot act'.
I am convinced that you and I, members of our two churches in Metro Vancouver, are gathered to let today be tomorrow. We are here to break the bread and drink the cup so that the world can see how truly foolish Christians can be when they are confident that the abyss of God's love is infinitely deeper than the abyss of human fear. What shape our communion will take is beyond the scope of one sermon. But I can tell you that the kingdom of Christ is among us today, that the Spirit of God moves among us today, so that we can look beyond budgets and bylaws, canons and constitutions to discover how today can be tomorrow.
If you believe, as I believe, that the Waterloo Communion is more than a convenient way to deal with economic challenges, that the Waterloo Communion is more than a guidebook to ecclesiastical etiquette, that the Waterloo Communion is actually an expression of what the kingdom of Christ can look like in the here and now of twenty-first century Canada, then I am confident that any foolishness that may occur over the next few days and months and years will turn out to be the wisdom of God. So let us go forth from here prepared to do more than celebrate anniversaries; let us go forth to make unity that is already ours a vision for the whole world to see and know. Amen.


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Style guide quiz! Does this entry mean
(i) The correct style to use in all situations is "Stratford-on-Avon", given that the usual approach in the Tribune's style guide is to give the correct style in the bold heading of the entry?
(ii) This is the correct style to use for the district council and parliamentary seat only, and that another, unspecified, style is correct for other usages? (This is the only entry in the guide that covers the issue, however.)
(iii) If the answer to (i) is no and the answer to (ii) is yes, do you take the second part of the style note to mean
(a) That the use of "upon" by most other local organisations is a guide to what our style should be; or
(b) Only that the sub-editor should be aware of this common variant when giving the names of the organisations in question?
(iv) If the answer to (iii)(a) is no and the answer to (iii)(b) is yes … does anyone know what our style for the town is?
To find a style guide entry with too much explanation and too little instruction is a rare thing: usually, it's the other way around. For example, AP lists several commonplace and rarely misspelled words, such as "countryside" and "sandwich", in its guide with no indication as to the reason for their presence. Similarly, the Telegraph's banned word list contains, without a word of explanation, "huge" and "toilet". But perhaps the best place for fascinating but under-glossed entries these days is BuzzFeed, which I'm sure is an oversight on its part and nothing to do with the fact that fortysomething broadsheet sub-editors are now being comprehensively left behind by the pace of events:


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Fifty years ago, when women had babies that was it for their careers, they were then expected to stay at home and raise their children. Today, however, things are very different. While there's nothing wrong with being a stay at home mum (or at stay at home dad for that matter), there are options out there to balance both a career and the ideal family dynamic. Once our kids become toddlers, a lot of us choose to go back to work. Either full-time or on a part-time basis. While working is good for our bank accounts, it can sometimes be a nightmare to balance your family and your career. In case you're struggling to do this, I thought I would share a few options to consider for successfully balancing family life and a career.
Get your kids into a local nursery or preschool
It's recommended that once children reach two or three years old that they attend a nursery or pre-school to help them learn to socialise. Today, most nurseries and pre-schools are open normal office hours, so if you have to work, they're the perfect place to leave your little ones. Think finger painting, story time, and lots of fun learning; nurseries are a lot of fun. They'll get a chance to meet other kids their own age, make friends, and learn how they should behave when in a learning environment.
Book them into kid's clubs
Another great option for your children while you work is kid's clubs. There are various clubs that run throughout the year that are perfect for leaving your little one's at while you work. From sports-related options to arts and crafts clubs, there are plenty to choose from.
It's just a case of finding the perfect one of your children. For younger kids, there are locations that offer a range of fun and exciting kids clubs. As well as a selection of after school clubs for older children. There are also clubs held at local schools and children's centres, so you have plenty of choices.
Find a career that you want to do
One of the biggest things we face is choosing the right career. What may have suited you in your twenties in regards to pressurised deadlines and long hours may not suit you now that you have a family. Consider your strengths, so if you have a head for numbers then looking at payroll jobs could be the answer. If you have like the idea of sales then maybe a more suitable commitment on part time or just a monday to friday basis could be the answer. Even starting up on your own in a field you have knowledge in.
Make time for your family
As well as making time for your career, an important part of being a working mum is making time for your family. This means having a couple of set days a week when you spend some quality time with your little ones. This is important as being a working mum is all about getting the balance right. You don't want to spend all your time working and miss out on seeing your little ones growing up. You need to make sure that you have some time off to spend with your kids.
There you go, all the best options for balancing your career and family life.


text: In response to the devastation wrought by Hurricane Harvey, the Ad Council launched public service advertisements on August 31 to encourage Americans to make monetary contributions to relief efforts. The PSAs direct audiences to visit HurricaneHarveyAid.org, where they can contribute to the rescue and recovery efforts by donating to organizations providing necessary supplies and services to those affected by Hurricane Harvey. The new PSAs can be found here.


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As the devotees gear up for the Snana Purnima of the Trinity, we bring you a glimpse of the ritual held during auspicious 'Nabakalebara' in 2015.
Snana Purnima (Bathing Festival) of Lord Jagannath, Balabhadra and Devi Subhadra is annual event held prior to world-famous Rath Yatra (Car Festival). Deities are kept on a 'Snana Bedi,' where the ceremonial bathing rituals are performed. The deities take bath from 108 pitchers of religiously purified water.
It is a common belief that devotees are cleansed from all their sins if they see the deities on the day of 'Snana Purnima.'
After the ceremonial bathing ritual, the deities are adorned in elephant's gear, called the 'Gajavesha.'


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திரை கானம்
Let us listen to some songs for a change [ ha..ha.. DVD தீந்து போச்சா 🙂 ]. I have been collecting and listening to music for a long time. Right from my school days, I used to move with slightly elderly friends and hence I was attracted to the songs they listened that time. I remember listening to 'Poondhaliraada' from 'Paneer pushpangall', in Ungall viruppam. I remember in UKG [ yei.. Yei.. Mister.. என்ன இதெல்லாம் :) ], I listened to this 'Mayile Mayile' from 'Kadavull amaitha medai'. Slowly, I grew with All India Radio programme on on film songs – உங்கள் விருப்பம், திரை கானம், ஒலிச்சித்திரம், ஒரு படப் பாடல், சிறுவர் சோலை, தேன்கிண்ணம்.[ sometimes, Hindi songs used to come 'aap kee parmaayeesh' !].
I spent a lot in recording songs [ in empty 90 mins cassettes ] in my early days of my career. I had a box full of 90mins Maxell/Sony cassettes. I had a friend who owned a music shop with very rare collection. The shop was filled with LP records – I found that as a treasure.. Nandu [ Manjall veyil maalayitta poove ], Mudhal Iravu [ Manjall nilavuku indru ], Karumbu Vil [ Meen kodi theril ], Kazhugu [ Kaadhal ennum Kovil ] are some of the rare gems ! . I even recorded MNM songs in a 90 mins cassette – just for fun [ Crankx knows what is MNM 🙂 ]. I'll recollect more in a separate blog [ இது வேறயா ! ] .
The only topic I am comfy and confident talking with Mysskin is Tamil film music and films [ not much on books 🙁 ]. He introduced instrumental music like Santoor [ Pt Shivkumar Sharma ] ,Ramana malai, English film soundtracks [ Braveheart ] to me.
Slowly, my music gadgets changed from Sony walkman, CD – MAN player and now it's a ZEN mp3 player with FM Radio. Now, I have settled with FM radio [ around 9 channels in Chennai ]. The beauty of FM channel is it's unpredictability. Suddenly, you hear the prelude of 'Poo maalaiye' from Pagal nilavu or the mesmerising flute start in 'Siru Thoduthalile' from laadam ; just like a heavy n sudden rain. In my Bangalore life, I missed this beautiful option of hearing songs in radio. After I returned to Chennai, I'm delighted to hear songs almost all the time. The best one's are from Vairamuthu neram – in aaha FM.
This blog is about the female singers of 2008. Though I am not convinced to restrict the songs by year or by any other category, I wanted to share the frequent songs that came in FM.
1. Madhushree – Marudhani / Sakkara katti / ARR
2. Bombay Jayashree – Yaaro manadhile / Dhaam dhoom /Harris Jayaraj
The chemistry of Bombay Jayashree in Harris's music started way back in 2000 [ Vaseegara in Minnale ]. A trivia about Vaseegara song – it's the only Tamil song which has the word 'Mudivili' – infinity. [ காதலெனும் முடிவிலியில் கடிகார நேரம் கிடையாதே !!].
The initial lines are sung by Singer Krish. Her voice travels in a different orbit, unexplored by the regular singers in Tamil. A real good one.
3. Swetha Mohan – Manasukkull / Anjathey /Sundar C Babu
4. Sudhaa Ragunathan – Anal mele pani thuli / Vaaranam 1000 / Harris Jayaraj.
5. Sadhan Sargam – Mukundha Mukundha / Dasavatharam / Himesh
Just for the voice of SS.
Best duets of 2008
1. Kangall Irandaal – Belly raj/Deepa mariam – MD:James vasathan – Subramaniapuram
2. Naan varaindhu vaitha – Hariharan/Madhushree – MD:Vidyasagar – Jayamkondaan
3. En anbe – Sadhana Sargam/Benny dayal – MD:Harris – Satyam
4. Ragasiya kanavugall – Hariharan/Madhushree – MD:Harris – Bheema
5. Adiye kolluthey – Benny dayal/Krish/Shruthi hasan [ Terrific voice !!]- MD:Harris – Varanam 1000
6. Mundhinam – Naresh Iyer/Prashanthini [ Daugther of Malaysia Vasudevan ]- MD:Harris – Vaaranam 1000
7. Machaan machaan – IR / Belashinde – MD:YuvanShankar – Silambattam. Bela Shinde is also a winner from Sa re ga ma program along with another gen singer Shreya ghosal.
8. Lesaa parakudhu – Karthik/Chinmayi – MD:Selvaganesh – Vennila Kabbadi kuzhu.
Happy listening.


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U23 European Championship: 4 titles for Galasport
The last big slalom event in this year (Junior and U23 European Championship) has taken place at Solkan this weekend. There were 4 titles for Galasport paddlers in the category U23. Monika Jančová from the Czech Republic has won the new category C1 women. Slovenian guys Sašo Taljat and Luka Božič has won the C2 category. This crew has reached the podium one week ago on the ICF SLALOM WORLD CUP FINAL and finished on the 3rd place in overall ranking. Slovak paddler Martin Halčin has dominated in the K1 men category. Vít Přindiš (CZE) has finished just behind the TOP 3 on the very unpopular 4th place. C1 category has been won by French paddler Thibaud Vielliard.
Karolína Galušková (CZE) became a new European junior champion in K1 women category when she has won by almost 5 seconds. She wanted to reach the medal after the 2nd place on the Junior World Championship she has taken place this year. Still the same day she has celebrated her second title in the team race.
For official results visit: http://www.123result.com/Live.aspx?EventId=ECJ2012&User=slovenia&Season=CS_2012
For more pictures visit our Facebook profile


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Interior design has become the most interesting and fun concept for most homeowners and home builders. You don't have to be a specialist in designing interiors to beautify your place of residence. Everyone can design their home by utilizing creativity and imagination.
There are unlimited decoration ideas that can guide and motivate you to update and change the entire look of your space. You have to use a frameless mirror to make your space look bigger. You can call it our living room focus. You will observe how the room will be bigger.


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Inspired by the American Revolution, the Declaration of Independence and the American Constitution of 1787, the people of Poland formed and adopted the first democratic constitution in Europe on May 3, 1791. This became the second democratic constitution in the world.
At that time, Poland was a powerful force in Europe. However, by the latter part of the 18th century, discord within the country made it a target for surrounding aggressors. In an attempt to unite the people of Poland against its enemies, the Constitution of the 3rd of May was adopted. Despite a tradition of monarchies and empire-building shared by the nations surrounding Poland, the authors of the May 3, 1791 Constitution proposed a democratic form of government. Their inspiration came from the American Revolution in which Polish patriots such as Thaddeus Kosciuszko and Casimir Pulaski had participated. The participants and observers of the American efforts to establish freedom and civil rights influenced the course of the new Polish government.
Now after many years of oppression, Poland has a free and independent government, a government dedicated to the same democratic ideals of the Polish Constitution of 1791. Over the years, the endless Polish quest for freedom, peace and justice, and the ideals of the May 3rd Constitution united the Polish nation and the world's Polonia. This same indomitable Polish spirit continues to unite Polonia worldwide.


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MakeHartford is the first makerspace in Hartford, CT. The community space provides a place for artists, innovators, technologists and entrepreneurs to experiment with hands-on innovation.
Innovation Destination: Hartford toured the cutting-edge makerspace and spoke with MakeHartford President and Founder Steve Yanicke.
IDH: Why did Hartford need a makerspace?
YANICKE: Based on my previous startup work experiences, some colleagues and I realized we needed a place where we could incubate and have weird conversations with other techy-type people so we could develop and prototype for those startup businesses.
MakeHartford is designed to serve the community. We believe that people are inherently creative and that they want to share their creations with others. We do as much as we can to lower the barrier for entry, both for skilled development and for research as well as manufacturing in any field in which the community has an interest. That could range from knitting, cooking and brewing to aerospace, rocketry, robotics, medical devices and onboard circuitry.
I think there's a general tendency within the maker community to do high-tech things, but that's mostly because if you want to do more traditional craft, you have access to that equipment. If it comes to having access to a 60-watt CNC laser, you probably haven't bought that $8,000 to $10,000 piece of equipment. Most people can't justify owning a piece of equipment like that. But it makes a whole lot of sense to be able to share one.
But we also have fun. There's a need for any entrepreneurial ecosystem to have a third space—not work, not necessarily home—a place where you can go and socialize.
IDH: That's very practical.
YANICKE: Right. If you look at the average life of a battery-powered drill, it's used for maybe 20 minutes in its entire life. So there's a lot of excess capacity for this equipment. How do we better utilize the capacity and share the resources?
MakeHartford is like a gym for creative and technical people and instead of having free weights and dumbbells we have 3-D printers and CNC machines. Right now we certainly have more higher-tech equipment than what most people I know have in their home, and we still have a lot to add.
IDH: You emphasize community. In what ways does MakeHartford help build a community?
YANICKE: More than a few of our members have decades of experience in various technical fields and enjoy coming to the space to share their knowledge and skills with people who are in their early 20s.
MakeHartford is different than most makerspaces in that we seem to have attracted a very technical community. When we talk to makerspaces in Mountain View, CA, where Google is located, and even in Detroit, MI, they are both very tech- and software-based with something like 80% of their space being a co-working space similar to reSET and a very small space devoted to machining and manufacturing.
In contrast, almost our entire space is geared toward manufacturing and either machining or woodwork or desktop fabrication or 3-D printing with an 8-12 person classroom that doubles as a co-working kind of space.
You don't often get a lot of feedback on work done in your garage. Working in the company of others allows us to socialize the collective knowledge of our members so you don't have to make all the mistakes on your own in order to learn something.
The maker movement is sometimes called a "Do It Yourself" revolution and I think that's actually not correct. I would say it's more of a "Do It Together" kind of revolution. Everyone I know who has been successful got further faster and is happier about doing that work together than going into a basement, working by themselves for six months or six years, and then coming out and hoping that the world still needs whatever product they were working on.
IDH: How do people find out about MakeHartford?
YANICKE: We run an open house on Wednesdays from 6:00 to 9:00 PM. We're getting posters out. To date, we've been mostly working from word of mouth and social media, Meetup especially, has been a great at getting the word out. Our mailing list recently crossed more than 500 subscribers.
IDH: Do you have to join or be a member?
YANICKE: We work off of a membership model. Membership is $50 a month or $75 a month for 24-hour access, which enables people to come and go at their leisure. We're pretty active with going to maker faires, such as the State of Makers for Envisionfest and the upcoming Greater Hartford Mini Maker Faire. Recently, we were at the New Britain Museum of Art for a local artist event. Art and technology come together in a lot of ways, so we end up going to a whole bunch of events just sharing what we do and seeing who's interested, that's how we get most of our members.
IDH: Have any successful startup companies emerged from projects started at makerspaces?
YANICKE: Yes. Stars from the maker community include WobbleWorks, which made the 3Doodler, a 3-D printing pen that was created by a guy who worked at the Massachusetts Institute of Technology (MIT). He left work on a Friday and started his Kickstarter looking to raise about $70,000. By Monday morning the startup had raised almost $200,000 and by the time the Kickstarter ended in 30 days, they had raised more than $2.7 million. He no longer works at MIT. Another company founded in a makerspace includes Square, the mobile payment system that so many vendors and small businesses now use to do credit transactions.
IDH: What do you enjoy most about working with makers and innovators?
YANICKE: I get to talk to some really interesting people. The Wednesday night open houses are the most fun I have all week. Never knowing where the next conversation will bring me certainly leaves for so much space in creativity and artistic license.
For example, I recently talked to someone who was doing epigenomics research, which is the study of genes changing through the course of your life due to external stimuli. We got into a conversation where we were looking at inserting different genes into E.coli to produce bio fuels. The week before I was talking with someone who was working on an agricultural project for Mars One and he was doing an aquaponics project that collapses into a 55-gallon drum he wanted to launch off to Mars. The week before was the kick off for our First Robotics team, so we had 16 16-year-olds walking around the space doing robotics programming, riveting, and other fabrication.
I could just as easily be talking about metal sculpture, unmanned aerial vehicles (UAVs), or brewing, or there might be a conversation discussing Arduino projects or programming in JavaScript or things dealing with WordPress. There is a little something for everyone.
To watch these ideas grow up from conception to startup, I sort of feel like a father. I have a paternal interest in seeing the members of MakeHartford do well and doing whatever I can to help them succeed. I get a personal satisfaction in contributing to other peoples' success and that's deeply rewarding.


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KPMG is pleased to present its updated seventh edition of the Luxembourg Regulated Investment Vehicles brochure. The purpose of the brochure is to provide an overview of the various vehicles that may be set-up in Luxembourg, covering the complete spectrum of the Fund industry.
The overview covers the following aspects:
Request for proposal