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In Dollars & Sense: Personal Finance, students gain strategies which significantly improve their skills in money management and saving. Throughout the course emphasis is placed on eight key elements of financial planning: obtaining, planning, saving, borrowing, spending, managing risk, investing and retirement and estate planning. With the number of personal bankruptcies having exceeded one million a year, and many students leaving college with enormously high credit card balances, this course meets a critical need in today's society.
The 26 lessons explore all forms of credit management, types of investments, a variety of estate-planning strategies, wills, a broad range of insurance options, retirement planning, health care, and even career strategies. Each lesson includes a number of interactive games and practice activities that engage students and reinforce learning and the lesson ends with a quiz.
The recommended textbook for this course is Personal Finance by Jack R. Kapoor, Les R. Dlabay, and Robert J. Hughes. For textbook purchase information contact McGraw Hill Higher Education.
Lesson Titles and Descriptions
1. Your Personal Financial Plan
Financial planner Victoria Collins emphasizes the importance of setting realistic financial goals. Six steps of financial planning are presented: determining current needs, developing goals, identifying alternatives, evaluating alternatives, creating and implementing a plan, and reevaluating and revising. Syndicated columnist Kathy Kristof emphasizes the importance of flexibility. Understanding the time value of money is the last general topic. Dara Duguay of the Jump$tart Coalition reiterates why starting a savings plan early in life is so important. Finally, financial planner and PBS television personality Jonathan Pond describes which components of a financial plan should be emphasized at various stages of life.
2. Basic Economics Principles
The father and son discuss the disadvantages of credit-card overuse. The father explains how interest rates can also move according to the law of supply and demand. Jeanne Hogarth, senior analyst with the Federal Reserve Board, explains the difference between the Federal Reserve Bank and the Federal Reserve Board. The bank implements financial instruments and services, and the board makes economic policy. The relationship of interest rates—the discount rate, the prime rate, and consumer and business loan rates—is graphically illustrated. The relationship between short-term T-bill rates and long-term Treasury bond rates is also discussed. Hogarth also explains why interest rates affect everyone, every day. The father and son discuss the pros and cons of obtaining a low-interest consolidation loan to refinance the son's credit card debts.
3. Personal Career Strategies
Kirwan Rockefeller, president of Paradigm Partners, talks about voluntary and involuntary career changes. He discusses how to evaluate when to change careers, describes some practical considerations, and advises which industries will offer the best opportunities for career development. Finally, Susan Johnson, president of Healthy Gourmet, and Charlie Bunten, general manager with Lucent Technologies, discuss the problems they encountered after embarking on new career paths. Johnson started a successful business of her own after she had raised a family. Although Bunten has been with the same firm his entire professional life, he has changed career directions many times within a company that has also transformed itself to keep up with changing technologies.
4. Money Management Strategies
The program introduces the two main types of financial statements: the balance sheet and the cash flow statement. The balance sheet records total assets and total liabilities; the cash flow statement records ongoing income and expenses. From the cash flow statement, a budget can be developed. Financial planner Victoria Collins discusses fixed and variable expenses. She emphasizes being as honest as possible about expense items that may be difficult to calculate accurately. Sample budgets of a two income family and a young, single man are presented. Robert Moskowitz demonstrates how to use a computer spreadsheet program to create a budget. He also compares the features of various financial software programs. Finally, a situation arises where a dent in the car may create havoc with the young couple's budget, leading to a discussion of the need for flexibility and contingency plans.
5. Planning Your Tax Strategy
Judith Golden with the Internal Revenue Service explains why it is so important to keep accurate tax records and discusses some of the most frequent errors made when filing taxes. Robert Moskowitz demonstrates some tax-preparation software and points out some of its advantages. Law professor Debra Cohen Whelan offers some historical background on taxation in the United States and discusses tax changes endorsed by politicians and advocacy groups, including a national sales tax on consumption, a value-added tax on the cost of producing goods, and a flat tax. Finally, Jonathan Pond offers a tip on how to evaluate the financial impact of property taxes.
6. Banking Services of Financial Institutions
and how to do it.
In the next scene, a young woman learns the importance of maintaining a personal relationship with her financial institution. Carmen Luna with Chase Manhattan Mortgage Corp. describes the difference between a savings account and a checking account. Certificates of deposit offer higher interest rates but less liquidity. Money-market accounts usually offer higher rates than checking accounts but may have various restrictions. Mutual funds also may offer higher rates, but investors should be aware that such accounts might not be insured through the Federal Deposit Insurance Corp. (FDIC). Robert Moskowitz explains the advantages and potential problems with online banking. Jeanne Hogarth with the Federal Reserve Board explains the purpose and functions of the nation's primary banking organization: to maintain monetary policy, supervise and regulate banks, maintain economic stability, and provide financial services. She also describes some of the laws enforced by the Federal Reserve Board.
7. Introduction to Consumer Credit
Next, the lesson introduces some people applying for bank loans. One couple needs a loan for a new roof, and a young man wants to apply for a business loan. The loan officers explain the five Cs of credit: character, capacity, capital, collateral, and conditions. Maxine Sweet of Experian describes the contents of a credit report and why it is important to keep the report clean. She also describes some of the consequences of bad credit. Mortgage loan officer Allycyn Bennett explains the effects of declaring bankruptcy. She also points out that demonstrating an ability to repay credit debt is essential to establishing a credit rating.
8. Choosing Sources of Consumer Credit
Credit counselor Eric Imperial discusses important topics related to debt consolidation, including using home equity to refinance high interest loans. Financial planner Ann Egan explains the Rule of 78s, also called the sum of-the-digits rule. She points out that consumers who understand this interest-rate calculation will realize it may not be in their best interest to extend the terms of most loans or to borrow more than their equity. Finally, financial adviser Sharon K. Pinkerton discusses how credit insurance might be helpful in certain situations. Credit life insurance and credit property insurance on some purchases may be a good idea, but consumers should weigh the costs with the benefits.
9. Credit Problems
Credit counselor Joanne Budde explains the three goals of the Consumer Credit Counseling Service: to educate consumers, provide confidential counseling, and develop personalized debt-management plans. Author Deborah McNaughton explains the importance of formulating a plan. Gerri Detweiler of Debt Counselors of America states that one of the reasons there are so many people with credit problems is that credit is so easily available. Dara Duguay of the Jump$tart Coalition describes some of stress-related problems that result from the over extension of credit. Financial adviser David C. Jones explains that credit counseling may be a better alternative to bankruptcy. Jonathan Pond describes some advantages and disadvantages of a debt-consolidation loan. Maxine Sweet of Experian states that missed payments can stay on a credit report for up to seven years and bankruptcies for up to 10 years. She also advises consumers to beware of certain credit-repair scams. Finally, financial adviser Dianne Wilkman explains how some credit counselors can negotiate with lenders to work out a repayment plan.
10. Legal Aspects of Protecting Your Wealth
An example of a consumer-protection law is the "lemon law," which protects new car purchasers from chronically problematic automobiles. Consumers are protected from errors on their credit reports through the Fair Credit Reporting Act. The Fair Credit Billing Act protects consumers from having to pay for faulty merchandise. Also, consumers' rights are upheld by the Fair Debt Collection Practices Act. Violet P. Woodhouse, an attorney and family law specialist, and John Ellingson describe the effects of joint credit and prenuptial agreements, including how one's debt before marriage may affect the new spouse's credit rating, too. Finally, the video introduces a young couple who face declaring bankruptcy as their only solution to credit problems. Attorney Tim McCandless explains why the couple's situation required a bankruptcy filing.
11. Consumer Purchasing Strategies
Consumer affairs specialist Pastor Herrera offers the family advice on their major purchasing decision. A price analysis of a big-ticket item, such as a computer, can be accomplished using a matrix. Herrera explains the importance of negotiating the right price. He also discusses the cost variables of buying on credit. A final factor in any purchase decision is the warranty, or warranty options. Smart shopping is an ongoing activity that involves continual reevaluation. The types of warranties are expressed, implied, full, and limited. Consumers can usually have their complaints handled at the place of purchase, but there are many other resources if you are not satisfied with the resolution. Robert Moskowitz describes how the Internet has transformed consumers'shopping habits and identifies some common marketing scams being offered online.
12. Transportation Costs
Students are encouraged to evaluate the public transportation options where they live. For students whoneed to purchase a vehicle, the advantages of buying vs. leasing and the pros and cons of various financing options are discussed. Many potential problems involved with buying a used car are explored, as well as consumer protection laws. Charlie Vogelheim with Kelley Blue Book discusses the fixed and variable costs connected with operating and maintaining a car. Students also learn about many automobile rating services, especially those available online. Finally, the importance of proper mechanical maintenance is discussed.
13. The Finances of Housing
want and how those ideal requirements can be achieved within their financial limitations. Second, save and invest for the down payment and closing costs. Third, budget for the inevitable monthly expenses facing new homeowners: the mortgage, taxes, insurance, maintenance costs, and other expenses. For most people, buying a home is the most expensive, and one of the most complex, activities they will ever undertake. The program explores important financial aspects of the home-buying process. Mortgage loan officer Allycyn Bennett explains what a mortgage is, describes various sources for obtaining a home loan, and compares different types of home loans. Next, Jonathan Pond offers a tip about purchasing real estate during the winter holidays, a seasonally soft market. Finally, real estate broker Jeannine Schrantz discusses some of the key aspects of the closing process, when the real estate sale is finalized.
Home ownership is usually much more than a financial decision. Most first-time home buyers will not be able to buy their ultimate dream house right away. Nevertheless, by compromising when they first get into the real estate market, they can begin building up equity that can be used to leverage up to a home closer to their ideal. The process of eventually acquiring that ideal home is often more challenging and develops more slowly than most people would like. Home buyers will need to stay focused on their long term financial plan in order to attain their dream home.
14. Personal Risk and Insurance
The father and son discuss how to go about getting the insurance they need. The father advises the son that he doesn't need to get everything at once but does need to develop a plan. Cristina Fuentes with American Express offers some advice on how to decide which assets should be protected with insurance coverage. She also explains some of the variables that affect insurance premiums. Jonathan Pond offers the following tips to save money on your insurance: shop around, review your existing coverage, and raise your policy deductibles.
15. Home, Auto & Business Insurance
Kenneth Adams describes what factors affect homeowner's insurance rates. He also explains some of the other variables with this type of insurance. The family from the opening scenario learns about the difference between homeowner's and home business insurance. Insurance broker Jim Armitage explains why individuals who operate home-based businesses need to have separate insurance coverage for products used for that business. Professional liability insurance and disability insurance are important considerations for home-based business operations. Insurance is necessary for keeping a financial plan on track in the event of unforeseen circumstances.
16. Health and Disability Insurance
Insurance counselor Julie Schoen comments on why so many people lack medical insurance. She also explains key terms and describes patients' rights, including quality of care and portability. Insurance broker Rudy Suarez explains that the biggest risk covered by disability insurance is loss of income from employment. He also explains what to look for when selecting a disability insurance policy. Next, students meet two families personally affected by situations that could have been helped by better insurance coverage: Tim Dunn, who was diagnosed with Alzheimer's disease, and Rochelle McReynolds, whose elderly mother requires long-term medical care. Finally, journalist Jane Glenn Haas and Julie Schoen discuss how long-term-care insurance policies must be tailored to each individual's situation.
17. Life Insurance
To determine how much life insurance you need, it is important to determine how much income your dependents will need for a sufficient period of time. The couple from the opening scene meets with an insurance agent to evaluate their situation. They discuss the cost to replace their lost income, their present debts, their future costs, and their current coverage and investments. William P. Corry with First Financial Resources talks about the importance of the independent rating services for insurance companies. He also explains the difference between term insurance and a cash-value policy. Robert Moskowitz demonstrates some helpful online sites, including Insurance Inlinea. Retirement planning specialist Judy Davis explains the difference between life insurance and an annuity. Finally, the couple discusses the various insurance proposals they received.
18. Fundamentals of Investing
Columnist Liz Pulliam explains how to determine if you could benefit from the services of a financial planner. She describes what these planners do, how they are compensated for their services, and how their performance and ethics can be evaluated through background checks available from state and national agencies. Financial journalists Paul B. Farrell, Sue Herera, and Kristof describe some of the sources of information available on the Internet. Tom and David Gardner of The Motley Fool explain why they believe traditional brokerage firms are evolving from order-execution houses to information sources. Investment advisers KathleenBrown, Barbara Bowles, and Percy Bolton address some of the special issues affecting women and minorities and how consideration of these issues should change their investment strategies.
19. Investing in Stocks
A stock market, or securities exchange, is a location where certificates, representing ownership of a company, can be exchanged from a seller to a buyer. Arthur Levitt, Jr., the chairman of the Securities and Exchange Commission, describes the role of the SEC in serving as a watchdog over securities markets. Mary Schapiro, president of National Association of Securities Dealers Regulation, Inc., describes some of the NASD's powers to regulate the largest electronic exchange market in the world. Charles Schwab, founder and chairman of Charles Schwab & Company, Inc., discusses the role of the broker and brokerage firms in the investment process. Finally, Jonathan Pond describes some defensive strategies to use when investing, including stop-loss orders, option strategies, diversification, and picking undervalued stocks.
20. Investing in Bonds
Investment adviser Mark Miller explains some of the methods of evaluating bond investments and defines the terms debentures, mortgage bonds, subordinated debentures, and junk bonds. Investment advisor William Gross explains why bond values drop when interest rates go up, and Alice Lowenstein clarifies the inverse relationship between bond prices and interest rates. Finally, Robert Moskowitz demonstrates some Internet sites offering valuable information on bonds.
21. Investing in Mutual Funds
Tom and David Gardner of The Motley Fool point out that investing in a mutual fund does not take as much time and effort as does personal research. Syndicated columnist Russ Wiles discusses how to read a mutual fund prospectus. He also offers some practical advice on selecting a fund. Robert Moskowitz provides information on various Internet sites covering mutual funds. Finally, an investment adviser tries to soothe the concerns of the couple when their mutual fund drops. He also points out the tax advantage for mutual fund investors who wait to purchase shares after a fund's dividends have been distributed.
22. Real Estate and Other Investment Alternatives
Financial adviser Ralph L. Block explains two key advantages of REITs: diversification and professional management. He also notes that 95 percent of all net income from a REIT must be distributed to the shareholders. Reporter Jennifer Davis then interviews Scott Newnan, who describes some of the characteristics and benefits of investing in REITs. Next, individuals and marketing professionals in the area of collectibles note that the value of most collectibles is extremely difficult to predict. Using collections as an investment vehicle requires you to "do your homework."
23. Retirement Planning
Paine Webber consultant Bambi Holzer explains the benefits of tax-deferred savings plans and the types of corporate retirement plans. She also describes SEP-IRAs, some of the rules regarding distributions from various plans, and plan portability. Financial planner Eric Bruck describes individual retirement accounts, including traditional IRAs, Roth IRAs, Education IRAs, and rollover IRAs. At the end of the program, the father and son from the opening scenario discuss the various plans the son has made to secure his retirement income.
24. Estate Planning
The attorney explains that the best way to preserve Linda and Charlie's estate is to put it into a trust. In their case, they would save $116,000 in estate taxes by putting most of their estate in two trusts. Violet Woodhouse describes some other strategies for managing an estate. She explains the difference between holding title to assets as joint tenants or as community property. Law professor Debra Cohen Whelan explains the difference between an inter vivos, or living, trust and a testamentary trust, which becomes effective at the death. She also explains letters of last instruction and living will.
25. Deception in the Marketplace
One of the most common devices used by scam artists is the telephone. Some of scam artists' most common phone techniques: telling you that you have won a prize (even though you haven't entered a contest), pressuring you to act now, asking you for money to pay for the prize, asking for your credit card number, or offering to send a courier to pick up a check. Mail fraud and Internet scams are also common. Robert Moskowitz describes some of the common scams being posted on Internet sites and identifies sites where you can report scam artists. Financial planning attorney Dennis Murphy presents some information on your recourse options if you have been victimized. Demand your money back, go to the police, and avoid services that offer to get your money back—which are often scams themselves. The best strategy is not to get taken in the first place
26. Evaluating Your Commitment to Your Financial Goals
Author Kathleen Gurney discusses the nine money personalities: Safety Players, Entrepreneurs, Optimists, Hunters, Achievers, Producers, High Rollers, Perfectionists, and Money Masters. She notes that the two types most likely to be good money managers are the Achievers and the Money Masters because both are detail-oriented and good planners. Jonathan Pond explains a seven-day regimen for developing and implementing your financial plan. Television spokeswoman Stephanie Edwards and her husband Murray talk candidly about how they have managed to work through some problems resulting from a major financial setback. Finally, financial planner Victoria Collins discusses some of the common excuses that people use to explain their failure to stick to a financial plan. The importance of putting your plan in writing is reiterated.
National Academic Advisory Team
Carlene Creviston, Ball State University
Judy Davis, Retirement Plan Specialist, Variable Annuity Life Insurance Company
Rod Davis, Investment Broker/Instructional Designer
Dara Duguay, Executive Director, Jump$tart Coalition for Personal Financial Literacy
Ann Egan, CFP, Associated Financial Planners
Jim Evans, CFP, Johnson County Community College
Vickie Hampton, Ph.D., CFP, University of Texas
Judy McCartney, President, Orange County Federal Credit Union
Dennis M. Murphy, CPA, CIRA, California State University, Los Angeles
Ted Ondracek, Coastline Community College
Liz Pulliam, CFP, Syndicated Financial Columnist
Jeannine Schrantz, Monarch Beach Realty
On-Camera Experts
Chris Alexander, President, Synergy Executive Education
Elizabeth Allen, Attorney-Mediator, Coast to Coast Mediation Center
Jim Armitage, Independent Broker/Agent
Rosella Bannister, Director, National Institute for Consumer Education
Louis Barajas, CFP, Barajas & Torres, Inc.
Allycyn Bennett, Loan Manager, First Capital Mortgage
Phil Blank, Retired Educator, KOCE-TV
Ralph Block, Investment Advisor, Bay Isle Financial Corporation
John Bogle, Chairman, The Vanguard Group
Percy Bolton, Founder & Managing Associate, Percy E. Bolton Associates, Inc.
Barbara Bowles, President, The Kenwood Group
Sherri Brewer, Vice President, Orange County Federal Credit Union
Wendy Brough, Dep. D.A., Consumer Protection, Orange County District Attorney
Kathleen Brown, Executive Vice President, Bank of America
Eric Bruck, Bruck & Caine Advisory
Joanne Budde, President/Executive Director, Consumer Credit Counseling Service
Charles Bunten, General Manager, Lucent Technologies
David Cavano, Manager/Automotive Purchasing, Auto Club of Southern California
Ann Chadwick, Executive Director, American Assoc. of Family & Consumer Sciences
Debra Cohen Whelan, Associate Professor of Law, Whittler Law School
Victoria Collins, Exec. Vice President, Keller, Collins, Hakopian & Leisure
Susan Conjurski, Vice President, Controller, Arrowhead Central Credit Union
Bill Corry, Jr., Principal, First Financial Resources
Judy Davis, Retirement Plan Specialist, VALIC
Rod Davis, Investment Executive, PaineWebber Inc.
Jim Demeo, Product Manager, Auto Club of Southern California
Gerri Detweiler, Education Advisor, Debt Counselors of America
James Doti, President, Professor Economics, Chapman University
Dara Duguay, Executive Director, Jump $tart Coalition for Personal Finance Literacy
Stephanie Edwards, Radio/TV Commentator
Ann Egan, Certified Financial Planner, Associated Financial Planners
Herschel Elkins, Head, Consumer Law Section, California Attorney General's Office
John Ellingson, Attorney, Howser & Brown
Leslie Etheridge, Director, Human Resources, Human Resource Answers
Eric Farber, Producer/Business Owner
Paul Farrell, Writer and Editor, CBS.MarketWatch.Com
Rick Fenelli, Attorney
Jim Frannea, President, Consumer Credit Counseling Services
Cristina Fuentes, Financial Advisor, American Express Financial Advisors Inc.
David Gardner, Co-Founder, The Motley Fool
Thomas Gardner, Co-Founder, The Motley Fool
John Garner, President, Garner Consulting
Jane Glenn Haas, Writer, Orange County Register
Judith Golden, Public Affairs Officer, IRS Public Affairs
Jan Goren CPA, LLP, Green, Goren & Marcus
William Gross, Founder/Managing Director, Pacific Investment Management Company
Kathleen Gurney, Financial Psychologist, Financial Psychology Corporation
Mark Victor Hansen, Author
Brigid Haragan, Director, Home Buyer Education Fannie Mae
Judy Hay, Career Counselor
Claudia Hegberg
Thorsten Hegberg
Sue Herera, Anchor, CNBC Financial
Pastor Herrera, Director, LA County Department Consumer Affairs
Jeanne Hogarth, Senior Analyst, Consumer & Community Affairs Federal Reserve Bank
Bambi Holzer, Sr. Vice President, PaineWebber
Eric Imperial, Counselor, Consumer Credit Counseling Services-Riverside
Susan Johnson, President, Healthy Gourmet
David C. Jones, President & CEO, Genus Credit Management
John Joyce, Manager, College Scholarship
Dave Kohler, Collector
Kathy Kristof, Syndicated Columnist, Los Angeles Times
Arthur Levitt, Jr., Chairman, Securities and Exchange Commission
Alice Lowenstein, Morningstar
Michael Lugo, Registered Health Underwriter, Benefit Management Specialists
Carmen Luna, Vice President, Chase Manhattan Mortgage Corporation
Murray MacLeod
Timothy McCandless, Attorney
Deborah McNaughton, Author
Rochelle McReynolds, Deputy Director, San Diego Museum of Art
Mark Miller, Portfolio Manager, Kayne Anderson Investment Management
Donald Mohr, Mediator and Counselor, Coast to Coast Mediation Center
Robert Moskowitz, Author
Margie Mullen, Owner, Mullen Advisory
Dennis Murphy, CPA
Lori Musick, Educational Coordinator, KOCE-TV
Scott Newnan
Amanda O'Connor, Marketing Director, Kaiser Permanente
Connie Ohnos, Real Estate Broker, Coldwell Banker
Gayle Pereira, Regional Vice President, Oppenheimer Funds
Don Phillips, President, Morningstar, Inc.
Sharon Pinkerton, Vice President, Insurance Manager, Arrowhead Financial Group, Inc.
Jonathan Pond, President, Financial Planning Information
Liz Pulliam, Personal Finance Writer, Los Angeles Times
Anil Puri, Department of Economics, California State University, Fullerton
Alan Puzame, Senior Vice President, Blue Shield of California
Lucy Rangel, Sr. Paralegal/Law Clerk, Law Offices of Timothy McCandless
Tom Rice, Department Health Services, University of California, Los Angeles School of Public Health
Kirwan Rockefeller, Principal, Paradigm Partners
Dallas Salisbury, Chairman of the Board American Savings Education Council
Mark Savalle, Agent, New York Life Insurance
Mary Schapiro, President, NASD Regulation, Inc.
Julie Schoen, Legal Counsel, Health Insurance Counseling Advocacy Program
Jeannine Schrantz, Broker, Monarch Beach Realty
Charles Schwab, CEO, Charles Schwab & Co., Inc.
David Stewart, University of Southern California
Rudy Suarez, Agent/Broker, Suarez Insurance Services
Maxine Sweet, Vice President of Consumer Education, Experian
Linda Sybrandt, Partner, Deloitte & Touche
Laura Tarbox, President, Tarbox Equity
Don Thompson, Independent Real Estate Investor
Charlie Vogelheim, Editor, Kelley Blue Book
Russ Wiles, Syndicated Columnist, The Arizona Republic
Dianne Wilkman, President/CEO, Money Management International
Brent Wood, General Partner, BC & Associates
Violet Woodhouse, Attorney, Certified Financial Planner
Glenn D. Woody, Certified Financial Planner
Colorado Mountain College Online Learning uses a variety of Coast Learning Systems video products to supplement our online courses. We have found Coast Learning Services to provide outstanding customer service to both our students and staff. They are always fast, reliable, and friendly."
—Maureen Richardson, Colorado Mountain College, CO.


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Bringing the Heat to the World's Engine,
Energy and Equipment Markets
At HOTSTART, engineering and manufacturing complete heating systems is only part of the story. Behind everything we do is a commitment to making high quality products, providing exceptional service and taking care of people. For more than 75 years, our customers have come to depend on our heating systems to keep their equipment ready to start. We work continuously to deliver reliable solutions to every customer, every time.

subset: commoncrawl


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Godzone 2017 / Feb 25th - Mar 4th
2nd (2016), 2nd position til injury (2015), 4th (2013), 5th (2012)
For Live Updates Follow Us
For Live Updates Follow Us
...and asked if we'd like to assist them in the most technically challenging adventure race in the World, scaling New Zealand's most demanding terrain, with barely a change of clothes, next to no sleep and completely unassisted. Instead of contacting the authorities we said, "sure".
Top race adventurers and a reputable brand, creative and online agency - what do we have in common? Simply, a passion and on-going commitment to strive for the best. 5th in 2012, 4th in 2013 and holding 2nd position in 2015 (forced to pull on the final leg due to injury), 2nd in 2016 - what will 2017 bring?
Follow us for live race updates, it's addictive and we get all warm and fuzzy with your support.


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11/12/13 Is the New Popular Wedding Date
Remember when 7/7/07 was the most popular wedding day ever? How about 8/8/08 which is considered super lucky in Chinese culture or when thousands of couples married in Las Vegas because it was a "once in a lifetime chance" to exchange vows on 11/11/11. Well, 11/12/13 is the new popular wedding date for obvious reasons. It's not often a date comes along that is thought to be "special" or "lucky" so when it happens, couples want to take advantage. After all, you want good fortune on your side when committing to another person on what is one of the most important days of your life. Right? It's also kind of cool when someone asks, "When did you get married?" It also helps the husband (and sometimes the wife) to remember your anniversary. The reasons are endless, the couples are many and these magical dates are extraordinary and rare.
Here are other wedding dates that are considered "lucky" according to The Knot.
The only downside to getting married on 11/12/13 is that it's on a Tuesday but if you come to Las Vegas for your wedding, it may work in your favor. Many Las Vegas venues and chapels offer special packages and deals on unique dates especially when that date falls on a weekday. So if you want to get married on the magical date of 11/12/13, you may want to do it in Vegas. Check out these awesome places to get married on 11/12/13:
The Neon Museum
This graveyard of signs does weddings! So why not make it a really cool wedding by having your nuptials amongst some of the most iconic signs in the Southwest? Availability is limited so contact [email protected] as soon as possible if you're interested.
The Mob Museum
Get married on 11/12/13 old gangster-style. The Mob Museum is offering a great wedding package for $1112.13 which includes the ceremony, cake and champagne. Contact Maria Sawyer at (702) 724-2713 or email [email protected] to book a wedding.
Chapel of the Flowers
If you want to do a traditional Las Vegas chapel wedding, the Chapel of the Flowers is the way to go and they have an 11/12/13 special! Visit their website at www.littlechapel.com for more information.
Mon Bel Ami
This is another Vegas chapel that has a great deal going for those looking to get married on a special date. For just $700, couples can get a ton of great features including a rose bouquet, photos and a complimentary "Wedding Website". For more information, please visit their website at www.monbelami.com.
Viva Las Vegas
Want a themed wedding? You know you do! Viva Las Vegas can accommodate both traditional and not so traditional weddings and they have special packages just for 11/12/13. For more information, check out their website by going to www.vivalasvegasweddings.com.
Did you get married on a "magical" date or do you plan to? Tell us about it.


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The 10 Best Nutrients For Skin Health, Inside and Out
With the cold weather ahead, it's important to ensure adequate availability of the nutrients that best protect skin from the inside out. After all, dewey, youthful skin is often the result of both a healthy daily diet and a well-thoughtout skin regimen.
Here are the top 10 skin protecting nutrients you should focus on:
1. Hyaluronic Acid:
Hyaluronic acid (HA) has the remarkable ability to hold 1,000 times its weight in water and is, therefore, a great nutrient for maintaining your skin's hydration. Additionally, it acts as a bonding agent of sorts, keeping your skin cells from separating (i.e. wrinkling). The key is to find an HA product that uses a small enough molecule to penetrate deep beneath the surface of the skin so that it can lock in the kind of moisture that lends to a plump and rejuvenated looking complexion.
This Natural Blood Sugar Solution Will Shock Your Doctors
Are you one of the tens of millions of Americans who struggle to maintain healthy blood sugar metabolism? Often, a blood sugar issue first manifests with symptoms like fatigue, mood swings, food cravings and weight gain, and can lead to serious health problems.
And the current mainstream medical solution on blood sugar management may be nowhere near as safe as we've been told!
2. Astaxanthin:
Astaxanthin is the pink-hued compound found in foods such as shrimp and krill. It is one of the only carotenoid compounds that is not converted to retinol in the body, therefore, 100% of its antioxidant strengths are reserved for fighting free radicals. With prolonged use, studies have shown astaxanthin is incredible for restoring elasticity of the skin and supporting overall skin heath. In fact, one study indicated that astaxanthin may visibly improve the appearance of skin by correcting dry skin and reducing the appearance of wrinkles and age spots if taken consistently for 6-8 weeks. When choosing a brand, just make sure it's 100% all natural, as there are synthetic astaxanthin formulas on the market that are not nearly as effective.
3. Vitamin C:
Vitamin C is excellent for skin both internally and topically. Its antioxidant properties protect your skin from harmful free radicals while encouraging the production of collagen. According to the American Academy of Dermatology, 500 to 1,000 milligrams of dietary or supplemental vitamin C per day is sufficient. While dietary vitamin C can be found in citrus fruits, Brussels sprouts, red peppers and other foods, the use of topical vitamin C has seen a major uptick in recent years. It's important to choose a brand that uses a high concentrations of lipid-soluble vitamin C, which is vital for maximum absorption.
4. Vitamin A:
Vitamin A, or its precursor, beta-carotene, can be found in carrots or spinach and ensures the proper maintenance, repair and turn over of skin and tissue cells. If you're deficient in vitamin A, you may notice a dry or flaky complexion because your skin is not repairing itself fast enough. Topical vitamin A in the form of retinol has been known to dramatically improve the appearance of skin. However, be sure to check with your dermatologist before considering a topical treatment, as it is not recommended universally.
5. Omega-3 fatty acids:
Omega-3s are associated with reduced inflammation and are known to increase the radiance of one's complexion by locking in hydration. Good omega-3 sources include walnuts, flax seeds and fatty fish, such as salmon. Higher amounts of omega-3s can be obtained from a high quality, molecularly distilled fish oil supplement.
6. Vitamin E:
Vitamin E is known to counter the harmful effects of UV exposure and provide superior antioxidant protection. Experts indicate that natural Vitamin E at about 400 mg per day has been noted to reduce photodamage and wrinkles and to improve skin texture. Topical vitamin E has been known to balance complexion and reduce the appearance of "sun spots." Two brands to consider are Now Foods E-Oil and Jason Pure Beauty Oil, Vitamin E Oil 32,000 I.U., 1 oz.
7. Biotin:
Biotin is a B vitamin that is largely responsible for providing the basis for radiant skin and hair. Experts often recommend anywhere from 1,000-5,000 mcg per day which usually requires a supplement. Food sources for biotin include peanuts, Swiss chard and tuna.
8. Vitamin K:
Topical vitamin K cream has been identified as one of the best (and only) treatments available for effectively reducing under-eye circles. We've found one, Naturopathica Vitamin K Brightening Eye Serum, that we are really comfortable endorsing, as it is a 100% organic brand that uses high quality ingredients.
9. Lycopene:
Lycopene is a powerful antioxidant that has natural UV ray protecting properties. A diet rich in lycopene gives your skin a little added protection against the sun's harmful rays. Lycopene can be found in watermelon, tomatoes, pink grapefruit and papaya.
10. Alpha Lipoic Acid:
This potent antioxidant is one of the only nutrients that is both water-soluble and fat-soluble. This means it can protect your skin's cells from free radical damage both on the inside and on the surface. Topical treatments are growing in popularity but one of the best, organic brands we've found is Passport to Organics' Face Lift – Total 360 Regeneration Cream with Alpha Lipoic Acid. (This formula also contains hyaluronic acid, vitamin C and a few other skin supporting nutrients.)


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Thank you.
I still can't over my good fortune in being offered the chance to buy you. I'd been without a car for almost a full year by the time David's offer came along and I still can't believe my luck. A Camry (even though you're not new) in good condition with good gas mileage, and you're all mine.
You represent so much. The fact you are mine means there's always the chance for escape. Maybe that sounds a little crazy, but I need the promise of an open door to placate the dangerous edge in my heart. I must know I have the option to run. You give me that hope.
Thank you.


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We received the pay equity arbitration award from Arbitrator Flynn. The award is lengthy and complex and was written only in English. It is currently being translated by CUPW.
At this time, we can confirm that the arbitrator has ruled that RSMCs perform work of equal value to that of letter carriers.
She has also ruled that a wage gap exists between RSMCs and letter carriers.
We are currently preparing a summary of the financial implications of the award for the membership. We will post this summary and an information bulletin on the CUPW website as soon as it is available.
In Solidarity,
Members of the Pay Equity Committee,


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Getting your 5 a day can be a difficult task in itself! But when choosing your veg for the week, try to opt for what's in season. Eating in season means you are getting veg which is at its freshest, at its best quality and flavour and at the best price.
A vegetable which is at its prime this season is the courgette. Courgettes which can also be called zucchini come from the cucumber family. They are very versatile and can be used in a wide variety of dishes. Courgettes can be steamed, boiled, stir-fried, sautéed, stewed, grilled, roasted, deep-fried and baked. They are a great source of vitamin A and a very good source of vitamin C and folic Acid which are all important nutrients during pregnancy. Vitamins A & C are important to support a healthy immune system during pregnancy and also help the body to use iron. Folic acid is necessary for your baby's healthy growth and to reduce the risk of neural tube defects.
Check out this very tasty and quick recipe for courgette chips! These can be enjoyed served with a main meal or as a snack and are a great source of fibre and vitamin C.
Tasty Courgette Chips
- ¼ cup dry breadcrumbs
- ¼ cup grated parmesan cheese
- Pinch garlic powder
- 2 small courgettes sliced
- 1 egg
- Spray oil
- Preheat oven to 180°C.
- In a medium bowl, mix together the breadcrumbs, cheese and garlic powder.
- In a separate bowl, whisk the egg.
- Dip the courgette slices in the egg and toss in the breadcrumb mixture.
- Place coated slices on an ovenproof wire rack coated with spray oil. Place rack on a baking sheet.
- Bake at 180°C for 30 minutes or until browned and crisp.
- Serve immediately, as a side or a snack.
Beetroot is another vegetable to look out for this season! Beetroot is also very versatile and can be boiled, baked, braised or pickled in vinegar. It can be used as a freshly cooked hot vegetable or eaten cold with salads. Beetroot is a good source of vitamin C and folic acid which as mentioned before are very important nutrients during all stages of pregnancy. Below is a delicious and nutritious recipe for Beetroot soup, perfect coming into the winter months!
Beetroot Soup
- 3 or 4 large beetroots
- 1 large onion
- 2 cloves garlic
- Beef stock
- Tablespoon Olive Oil
- Salt + Pepper
- Peel beetroots and chop into medium sized chunks. Peel & chop the onion and garlic.
- Warm olive oil in a large saucepan over medium heat. Stir in onions and garlic, cook until soft but not browned, about 5 mins.
- Stir in beets and cook for 1 minute.
- Cover with water and add in the stock, salt and pepper and simmer until the beetroot is soft, around 40mins
- Take off the heat and allow to cool slightly
- Add soup to the food processor and pulse until liquefied. Serve warm with a dollop of low fat natural yogurt on top.
Below is a list of some other veg also in season this month! For more information and listings of all fruit and veg in season visit http://www.bestinseason.ie/
- Beetroot
- Broccoli
- French Beans
- Courgette
- Kale
- Leeks
- Mangetout
- Pak Choi
- Runner Beans
- Spinach
- Peppers
- Radish
- Scallions
- Tomatoes


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Life Balance – Ships Worldwide
You can order the Life Balance book from Amazon HERE. It is ready to ship worldwide, wherever you are.
If you are in the Edmonton, AB, Canada area and would like to grab a book from me directly, save on the shipping, just go to the contact page and leave me a message. I would be more than willing to personally deliver a copy to you.
Thank you!!!
Life Balance – Kindle Version
If you would like a Amazon Kindle version of Life Balance, you can order that HERE. You will be able to download it automatically and begin reading the book today!!
Life Balance – Love Your Life by Finding Mental, Physical, Emotional and Spiritual Abundance
Join the Life Balance FB Community
The Life Balance FB Community is a group for people who are looking to live healthier lifestyles. This a group where you can support each other and grow together.
I will be doing weekly FB Live videos in the group, based on a chapter from the book, to help guide you on your journey to health. Feel free to join and let your friends know too. If you join before May 9th you will be entered to win a draw for a FREE copy of the book. I will also pay to ship it to you anywhere in the world.
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text: We made 'frottage' booklets for the Welsh School of Architecture @wsofarchi #Generositywsa2018 conference walkers. The walk was from the University's Bute building to #Grangetown Pavilion. Along the way conference walkers stopped to look at surfaces and textures ' generous surfaces', to record rubbings in their booklet. The booklets were made of mulberry leaf paper and spent #gmund brewers ale card. Walkers finished the walk with a slice of cake.


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Sometimes it takes someone else to show us how much of a difference we make in people's lives. For Johnny Jameson, a Los Angeles letter carrier, that someone lived in an apartment where he delivered mail.
"I didn't know that my life had such an impact," he says. The man in the apartment was a film director and the movie he produced about Jameson's life is now touring the country.
Jameson and the film came to town in January, part of MountainFilm on Tour Savannah, where thousands of school kids and other movie-goers watched his inspirational story.
How many of them left the theater with the same reaction that Jameson had when he first saw his life on film, in Vincent DeLuca's "Mile 19?" "I was just mind-blown," he says.
The documentary starts in 1984, when Jameson co-wrote a song for the Los Angeles Olympics. "It went viral," he says. "All the TV and radio stations played it constantly."
The song, "Olympic City," made Jameson, a part-time singer, part of the games. So when L.A.'s mayor announced an Olympics-funded marathon in 1986, he felt moved to run.
Or walk. Or walk backwards! "In L.A., man, it's just a joyful place to be," he says of that first marathon. "You're inspired to do all kinds of crazy stuff." He finished in last place.
Jameson finished the marathon the next year (running forward), the next year and the next. Once, he dribbled a basketball while running. Once, memorably, his co-workers ran with him.
He's now run the L.A. marathon for 31 years. He's become what they call a "legacy runner," one of about 140 "originals" who just keep on running – out of sheer defiance.
"We started meeting each other," he says. "We formed this bond and say, 'Hey, let's continue to do it as long as we can still do it. I've been rolling with the group ever since."
I imagine every one of those 140 "legacy runners" has a story about how they started and why they still do it. Just as I have a story about how I started in radio and why I still do it.
And, just to be as explicit as I can about it, just as everybody watching that film and you, too, reading this, can know that it's possible to finish, endure and overcome obstacles.
"When you hit mile 19 in a marathon, you're going to feel bad," he says. "Man, I felt so awful at mile 19 and I just had to dig in because I wanted to keep my legacy status."
Once you quit something, it's harder to get back in. That doesn't mean you can't rebound from failure. But as a saying goes, it's better to wear out than to rust out. Jameson agrees.
"What we got to go through in our every day lives, it's just a grind, man," he says. "And a grind can be joyful… The game is to just hang in there and grind that bad boy out."
Grinding out saves us from demons. In Jameson's case, he came back from Vietnam with flashbacks and bad dreams. He's better now. But Fourth of July fireworks still rattle him.
"It's good therapy," he says of running. "Just try to shed off some of that baggage that you've been carrying all your life that you really don't need anymore. Just shed it."
You don't need a film to come along and show you your potential. Find your inner film director. Take a legacy runner along with you in your mind. And you can finish the race.
That's how a graceful and humorous Los Angels postal service worker, an unsung hero, perhaps sorting mail at this very moment, has had an impact on people across the nation.
His story was brought to our city by MountainFilm on Tour Savannah, which screens inspiring and educational films that celebrate triumphs in human society and in nature.


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Author: Anand Rao
Anand Rao is a principal in PwC's Advisory practice, is the Innovation Lead for the US firm's Analytics Group and is the co-lead for the Global Project Blue, Future of Insurance research. With his PhD and research career in Artificial Intelligence and his subsequent experience in management consulting he brings business domain knowledge, statistical, and computational analytics to generate unique insights into the practice of 'data science'.
Prior to joining management consulting, Anand was the Chief Research Scientist at the Australian Artificial Intelligence Institute. He has held Board positions at start-ups and currently serves as a Board member for not-for-profit industry associations. He is a frequent speaker on behavioral economics, analytics, and technology topics in academic and trade forums.


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I've just been browsing the Internet, trying to find out more about 'Geraldo' the bandleader from the 1940s. I began searching because I want to write an article about him for a music magazine. He arrived in my consciousness because of my father's letters home during World War 2. Dad was travelling on a troopship, heading off for his first taste of war in 1943. He wrote about seeing Geraldo and his band on board. I found a photograph of him (above). One of the things I love about looking around like this is the way coincidences tend to trip over themselves. One of the other links under 'Geraldo' led me to the BBCs Peoples War website, and I found someone else who had written about life on board a troopship, and seeing Geraldo on board.
Dad's letters are a little short on detail so finding Bob Cotton's journal entries has opened my eyes to a more detailed view. I have put two and two together and hopefully come up with four, Bob writes about watching a movie starring Fred Astaire and Bing Crosby, so does my father. Bob also writes about Geraldo and his band being on the ship, as does my father, Bob dates his journal entries from 14 October 1943, while Dad doesn't date these letters but the previous one's where he mentioned leaving the training camp were written during October of that same year.
Dad writes 'We have a recreation room here with a cinema and they have a good film on this week. Bing Crosby and Fred Astaire are in it.' In his next letter he goes on to say ' Last night I managed to see one of Geraldo's concerts. He played all request numbers, and it was one of the best shows I have seen. He had all his band there including Dorothy Carless, Len Camber, Doreen Villiers and Johnny Lockwood. It's the first time I've ever seen his band, and it is a very good one.'
Bob writes 'In the evening I visited the recreation room where three films were showing. The place was packed out and very stuffy. The films were 'Water Bugs', 'Community Singing' and Fred Astaire and Bing Crosby in 'Holiday Inn'. I spent a pleasant evening but comfort was out of the question.' Five days later he wrote 'the night before (Tuesday) I went to a concert. They were all amateurs; RAF, Navy, Army and some WRNS. Some sang, some told jokes, others played instruments and were judged by many high ranking officers and civies including Geraldo. Johnny Lockwood, Geraldo's comedian was compere. He was awfully funny. On Wednesday night, I think it was, a Concert was broadcast over the speakers to the decks and was given by Geraldo and his Band. Some fellows, who were fortunate enough to draw tickets, went to the show.'
So it would appear Dad was one of the lucky one's who drew a ticket for the show!
Next time I shall write more about the life on board a troopship, comparing Bob and Gordon's writings. Neither of them seemed to have any idea where they were heading.
If you would like to read more of Bob's story, you can find it here:
R.J. Cotton, WW2 People's War
'WW2 People's War is an online archive of wartime memories contributed by
members of the public and gathered by the BBC. The archive can be found at


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"Most girls drop out of school and lose out on life opportunities"
To mark International Women's Day 2017, Donor Development Manager Caroline McKay details how Link is improving life for adolescent girls in rural Ethiopia.
Its 4am. You must rise to collect water and tend to your three younger siblings before making the arduous commute along rugged roads to an ill-equipped secondary school. Here, your voice is seldom heard; boys are favoured for academic support and there are 90 students crammed into the classroom. You've missed classes recently due to menstruation and poor sanitary protection and are struggling to keep up.
This is the reality for millions of girls in sub-Saharan Africa. In Ethiopia, 66% of people live below the poverty line. Access to quality education is low, with just 11% of girls from rural areas going to secondary school. Most secondary schools are in urban areas, are severely overcrowded and provide low quality teaching, exacerbated by a lack of learning resources like textbooks. Girls face many barriers to education; from intensive domestic work and excessive commutes, to inadequate sanitary protection and early marriage, which is unfortunately commonplace.
Child brides have little access to health support, are at greater risk of disease and often suffer terrible complications from early childbearing. In many rural districts, marrying girls young is deemed a smart economic transaction for poor parents, who then have one less child to support. But the practice ultimately perpetuates the poverty cycle and inequalities in families and communities. Most girls drop out of school and lose out on life opportunities out with the domestic sphere.
In Ethiopia, we're currently developing a project in Wolaita Zone, a region 330km southwest of Addis Ababa, to transform girls' access to secondary school and improve vital support systems. Together with schools, district authorities and communities, we'll encourage sustainable change by developing four new secondary schools. We will aim to; transform teacher training, provide essential educational supplies and reusable sanitary pads to girls; improve school sanitation and help communities understand the value of education for girls.
There are huge swathes of research which tell us that access to good quality education can improve lives and communities. A child whose mother can read is 50% more likely to live past the age of five, every additional year spent in school can increase a woman's earnings by 20% and investing in girls' education could boost agricultural output by 25%. This is why Link is working so hard to improve education for girls in rural Africa.
Caroline McKay
Donor Development Manager
Link Community Development International
Can you help by becoming a Friend of Link from just £10 per year?


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(function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();
by Aaron Peiffer May 17, 2013
On the Wednesday following Easter I had the privilege of attending the papal audience with Pope Francis in St. Peter's square. Much to my surprise I had received a green ticket the previous day at the offices for the Pontifical North American College which gave me access to the seating nearest to the pope at the top of the grand stairs in the shadow of St. Peters. I had been forewarned to not expect orderly queues like back in the states, but I did not fully appreciate the import of his advice until various pilgrim groups began to amass themselves haphazardly around the security entry! Somehow I ended up with a seat about forty feet to the left of Pope Francis and six rows from the front.
by Armando Gutierrez April 27, 2013
What happens at night in our neighborhood (Porvenir Bajo, in Valparaiso, Chile)? From what I witness outside of my window: the door of Juanita´s corner store are shut, the lamppost light up like candles, and our playground lays silent. It is nothing out of the ordinary. But our hearts have a thirst that goes beyond what we perceive from our window. Somewhere in the night someone cries for compassion, for a presence, for friendship.
by Emily A. March 30, 2013
A few months ago, I became friends with a man who had dramatically marked my views on life and on my mission here. Let's call him C. C was born into a rich family in the mountains of Paraguay, and spent more than a few decades of his life like St. Augustine. That is to say: a lot of alcohol, money, and women. Eventually he wound up here in Buenos Aires and spiraled downward into deep poverty . . .
By Gonzague Leroux March 22, 2013
Encounter with Chef Christophe Bonnegrace
At 14 years of age, Chef Christophe Bonnegrace, a native of the French Riviera, hated school; he did not want to go anymore. He loved cooking with his grandmother but when his mother offered him an apprenticeship in cooking, he replied without missing a beat: "Cooking! It is for girls." Today, with international experience, he is head chef at La Villette in the "Village" in New York and has entered the prestigious list of "Best Chefs America 2013."
Friday, March 7, 2012
On the International Women's Day, LoC gives voice to two extraordinary women: the first one comes from a very prestigious and wealthy family in both business and cultural circles, the second is from Ecuador, lives in a small, two-room home and is extremely poor. However, both portraits pay hommage to the courage and dignity of women. In the midst of all the bombs, hatred, fear, misery, and suffering, they bring HOPE through music and simple love.
by Dr. Matthew Sutton September 14, 2012
Mysticism, spirituality. Reading time: 4 min.


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Uncovering Sales Insights the Da Vinci Code Way
Three lessons modern sales professionals can apply from the Da Vinci Code to improve their prospecting results.
May 3, 2017
In sales, it's only a matter of time until you become embroiled in a buyer's journey with global ramifications, one that's also rooted in some of the world's best-known cultural touchstones. Okay, so that only happens to like 40% of us, but that doesn't mean we all can't learn a thing or two from "The Da Vinci Code."
Don't worry if you didn't see the movie or read the book because we've translated the movie's lessons to help you better target, understand, and engage your prospects.
Follow the Trail of Clues
The story's protagonist is the professor of symbology at Harvard, Robert Langdon (played by Tom Hanks). As Langdon works to figure out who killed a curator at the Louvre in Paris and why, he follows a trail of clues hidden in the works of Leonardo da Vinci.
In much the same way, you need to watch for, track down, and piece together indicators and signals about your prospects and accounts. On LinkedIn, look for these in the form of updates, published and shared posts and content, and discussions that reveal top-of-mind issues and priorities for the people and companies you're targeting. The clues are there for anyone willing to seek them out and connect the dots. Examples include:
- Account-related news and executive presentations on strategic corporate plans
- Someone expressing dissatisfaction with a competitor's solution
- Comments on articles and posts covering a topic closely related to your solution
Map Out All the Players
As Langdon tries to solve the murder, he runs up against a host of seemingly separate individuals – including a Catholic monk, a bank president, and historian – who end up being connected in a web of intrigue. On his way to unraveling the mystery, he must piece together the roles of these various people. Though your pursuit of new deals and accounts might not be quite as exciting, you will need to map out multiple people at your accounts.
On LinkedIn, you can see how people are connected and tap into a vast ecosystem of players, all of whom can be traced directly back to your core professional circle. Using Advanced Search on LinkedIn, you can identify the key players at any account. You might even discover that some of your colleagues are already connected to these people. Taking a multi-threaded approach and building out a web of connections within target accounts puts you in a stronger position than if you only connect with a single contact at the company.
Call Upon All the Resources at Your Disposal
Langdon may be a world-renowned professor of symbology, but he's out of his element in the criminal world he must navigate to solve the mystery. Fortunately, he has help from numerous allies, including a cryptologist, police detective, and religious librarian, among others. And he's not too proud to think he has to go it alone.
In much the same way, you're all the better for taking advantage of your network of connections, whether to find out more about a target prospect or account, or to request a warm introduction. The assistance might come from a colleague, a common connection, or even a promoter at your target account.
You leverage all these resources for warm introductions into the account. As a bonus, whenever you make a connection through the search engine, the LinkedIn algorithm will suggest five new people you should meet for lead recommendations.
Remember, even if contacts at your target account aren't on the buying committee, they might be able to provide insight into the account's strategic objectives and key players. And don't be afraid to find an executive sponsor – a higher up at your company who can greatly boost your odds of engaging a target account by aligning with an executive at that account.
You probably won't get a clue as clear-cut as "find Robert Langdon," but with a little digging, you can find someone who can greatly boost your odds of engaging prospects and winning the sale.
For more clues into how to win over today's B2B buyers, download our eBook,
Influencing B2B Buyers: New Insights into B2B Purchase Drivers.


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How I can help you
Mr Vogel comes to SCORE with over 46 years of experience as an Engineering Consultant with an emphasis in technical, project, and business operations management. He has extensive experience in the acquisition and successful execution of multi-discipline engineering contracts as well as well as running a profitable and growing business.
Between 2013 and 2015, Mr. Vogel was the Vice President of Projects for AMEC Power and Process America (AMEC PPA) Nuclear Group, a $36M engineering consulting company (wholly owned by AMEC, a $10B Consulting Company) providing a full complement of engineering and project management related services to the North American Nuclear marketplace. Mr. Vogel retired from AMEC in June of 2015.
Between October 1999 and November 2013, Mr. Vogel was the Vice President of Projects, and part of the three man executive leadership team for Automated Engineering Services (AES). In 1999, AES was a 20 man engineering consulting company that the executive team was able to grow into a moderately sized consulting company of over 215 by 2013, when the assets of the company were purchased by AMEC, PPA.
Between 1975 and 1999, Mr. Vogel worked for Nutech Engineers, Pacific Nuclear, Vectra, and Duke Engineering & Services, all engineering consulting companies resulting from mergers and acquisitions of the original company Nutech, which he joined in 1975. Holding a variety of positions, with progressively increasing responsibilities, he was ultimately named President of one of the intervening companies , the Pacific Nuclear Engineering Group. His involvement in the sale of AES to AMEC coupled with the numerous transitions through the various mergers and acquisitions, has provided Mr. Vogel significant business management experience.
Mr. Vogel has a Mechanical Engineering bachelors degree from UCLA and a masters degree in Aeronautics and Astronautics (specialty in structural mechanics) from Stanford University. He has also completed the Stanford executive accounting seminar for non-financial personnel. He is a registered Professional Engineer in several states and is currently certified as a Project Management Professional (PMP).
Areas of Expertise
- Business Strategy & Planning
- Business Operations
- Sales, Marketing & Public Relations
Industry Experience
- Manufacturing & Industrial
- Professional & Business Services
BSME - University of California at Los Angeles, 1969
MS Aero & Astro - Stanford University, 1975 (Specialization in Structural Mechanics)
Financial Analysis for non-Financial Executives - Stanford University, 1992
Additional post graduate coursework in Thermo-hydraulic Sciences.


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Stereoscope : VIOLIN AND PARTITION
- Print
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A stereoscope (France) Offer an original postcard in stereoscopic relief 3D, representing a violin and a musical partition ! 3D Viewer 13 x 15,5 cm Delivered with an envelope, it has of course a virgin side to register your message there. Then, it is unfolded, being transformed into a viewer 3D, where this photograph in relief appears : Th...
No reward points for this product.


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sell road roller
1. Compact granular, mixed soil, as well as asphaltic materials;
2. Suitable for repair and maintenance of driveways, sidewalks, bridges and car parking lots;
3. Various other confined space applications.
Technical data:
1. Operating Weight: 180kg (397lbs)
2. Working Width: 560mm (22in)
3. Static linear Load: 2.9kg/cm (16.2pli)
4. Walking Speed: 1.6kmph (1mph)
5. Vibratory Frequency: 4620vpm
6. Centrifugal Force: 10kN (2250lbf)
7. Packaging Size: 1020x850x850mm (40.2x33.5x33.5in)
8. Engine manufacturer: Honda
9. Type: GX 160
10. Fuel: Gasoline
11. Performance: 4.1kW (5.5hp)
Sample Availability: Yes
Supplier Product Code: WPN250
Delivery Terms: FOB/CIF
Delivery Lead Time: 30 days
Road Roller, single drum vibratory roller, walk behind roller, light construction machinery, surface preparation machinery, road construction machinery
Part NumbersShow Details | Hide Details
1 line item - Click on icon for more information
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FAQs: Alimony in NJ Part III
Yes. In 2014, the alimony reforms included the ability to modify alimony payment in the event of a loss of employment, or income reduction. The statute also contemplates a general 'change in circumstances.' When the reason for a reduction is because of the paying spouse's job loss, the court has multiple other factors it must consider when deciding whether a modification is warranted. In other words, job loss alone is not enough to change the alimony obligation.What Factors Does the Court Look at in Reducing Alimony in NJ due to Job Loss?
In addition to determining whether the party actually lost their job, the court will look to the reasons for the loss of income, and whether or not the paying spouse has made documented efforts to find new work, or to pursue a different career in the event of a job loss. This includes whether there's been a good effort to find a new job and mitigate the job loss. The court will also look to the parties' health and its impact on their ability to secure employment. If the paying spouse received any severance based on their termination, or if there are any additional financial circumstances which have changed since the original alimony award, that could affect the court's decision. Additionally, the court has the discretion to determine whether a temporary solution should be devised to modify the alimony payments, to relieve some pressure on the paying spouse - so long as they can demonstrate they are continuing to look for work.When can Someone Apply for a Modification After the Job Loss?
There is a time limit on when someone can apply to modify alimony in NJ. If the paying spouse has not been able to find employment at the same level as before for at least 90 days, only then can they apply to modify. Before the reform in 2014, the law held that temporary reduction or loss of income was insufficient grounds to modify alimony in NJ.What if the Paying Spouse is Self-Employed - Is There any Difference in Procedure to Reduce Alimony in NJ?
If the paying spouse is self-employed, they will likely be filing for a modification based on a reduction in income. In that case, the court must examine the economic and non-economic benefits that the paying spouse compared to the same benefits that existed when the original alimony award was determined. This enables the court to determine whether the reduction in income as a self-employed person is in good faith, as well as how reasonable a modification in alimony payments would be.How can a Party Successful Show That a Reduction in Alimony is Warranted?
The party requesting the court for a modification in alimony in NJ has to show that the loss of employment has resulted in a serious change in the financial situation and that such a change is not temporary. At that point, the court can decide to do several things. The judge can either order a temporary modification while the paying spouse continues to look for work. They can also order a more permanent reduction in alimony, or order alimony to be paid in assets. For example, if the party has an asset that is easily liquidated, then the court might simply award that asset to be paid to the recipient spouse. In addition, the court can also order a periodic review of financial circumstances.Are There any Other Grounds by Which Alimony in NJ can be Terminated or Reduced?
The alimony reform law passed in 2014 also provided new guidelines for courts to use when determining whether the recipient spouse is cohabitating with another person. If the spouse is found to be cohabitating with another person, then the alimony payments can be suspended or terminated. The new statute no longer allows a modification in payments - therefore, the court has only those two options if cohabitation has occurred.What Does Cohabitation Entail in NJ?
Under the statute, cohabitation is defined as a 'mutually supportive intimate personal relationship.' Therefore, merely living as roommates would not qualify as cohabitation. It also requires the parties to have taken on the duties and benefits that are usually connected to marriage, even if they do not necessarily live in one house together.What Factors Does the Court Look at When Deciding if There is a Cohabitating Couple?
If there are commingled or intertwined finances, like a joint bank account, this is a good indication to the court of cohabitation. Similarly, sharing living expenses and bills, or the acknowledgment of a serious relationship by the couple, their friends and family would also be factors for the court to look at. Obviously, if the couple is actually living together, the length of their relationship and how often they speak would be relevant. The court will also see if one party financially supports the other in that relationship. If the couple shares chores, and any other factor the court might find relevant in its determination.Are any of These Factors More Important Than the Other? How Many Does the Spouse Have to Show?
The law does not require that all of these factors are present, nor does it indicate whether one is more important. However, there must be at least some factors present, and overall, the court is interested in whether the relationship is akin to a marital relationship. Proving cohabitation can be difficult, especially when the parties maintain separate households and bank accounts. If the issue of cohabitation is present in your family law matter, it is best to consult a family law attorney with experience in alimony modifications.
Alimony is a crucial issue for divorcing spouses. Also, see Frequently Asked Questions: Alimony in NJ Part 1 and Frequently Asked Questions: Alimony in NJ Part 2. Having a knowledgeable and tenacious attorney on your side can be decisive in your case. If you are going through a divorce, contact the law offices of Peter Van Aulen today for a free, initial consultation at 201-845-7400.


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Ohio is a beautiful state and has one of the most efficient and safe highway systems in the nation. Every year, Ohio becomes more populated and the volume of traffic increases, which leads to an increase of litter. Last year, the Ohio Department of Transportation (ODOT) spent approximately $4.4 million and 206,221 labor hours picking up 392,305 bags of litter from highways and interchanges.
The cost and time involved to remove litter from the highways could have been used for other needs. $4 million is approximately what it costs to install 340 miles of safety guardrail, pave 40 miles of a two-lane highway or purchase 28 snowplow trucks.
ODOT does have help in fighting litter. As part of coordinated cleanup efforts in many parts of the state, hundreds of volunteer groups comprised of local neighborhood groups, businesses and organizations pick up thousands of pounds of recyclables, litter and debris.
The ODOT Adopt-A-Highway program enables the Department to save important taxpayer dollars and allows work crews to devote more time to core functions like road maintenance and construction project. On average, Adopt-A-Highway volunteers pick up 25,000 bags of trash, saving the Department $280,000 each year.
Your organization, business, or group of friends agree to 'adopt' an Ohio Interstate, U.S. Route or State Route outside a village or city corporation limit. Each section is approximately two miles long. The agreement you sign with ODOT is for two years, to complete four pick-ups each year. You can have as many people participate in your group as you wish, but they must be at least 12-years-old. And, all members of your group must sign a release form to participate.
ODOT provides safety training for your group, along with safety vests, trash bags and maintenance of traffic signs. ODOT will also place bi-directional highway signs in recognition of your group at the section you adopt.
To begin, fill out the participation forms below and return to Sonya Riley.


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Suicide is a permanent solution to a temporary problem.
About 1 in 10 deaths in SA are suicide. It is scary, but if we know what to look for and what to do, we can prevent suicide. Suicide shouldn't be secret.
People who are thinking about suicide, feel alone and isolated. They feel no understands how they feel. They feel they are a burden on their family or suicide is a way to get control back over their lives.
Suicide facts
1. People who die by suicide usually talk about it first. They are in pain and oftentimes reach out for help because they do not know what to do and have lost hope.
2. Always take talk about suicide seriously.
3. People who talk about wanting to die by suicide oftentimes kill themselves.
4. Suicide can be prevented. Most people who are suicidal do not want to die; they just want to stop their pain.
5. Suicide can strike anyone.
6. People who attempt suicide and survive will oftentimes make additional attempts.
7. Telling them that they "just want something" or "are trying to manipulate" is both insensitive and ignorant.
8. People often talk about suicide before dying by suicide.
9. Suicide is the third leading cause of death for young people aged 15-24. Sometimes children younger than 10 years old die by suicide.
11. Oftentimes people who die by suicide are under the influence of alcohol or drugs.
12. Untreated mental illness (including depression, bipolar disorder, schizophrenia, and others) is the cause for the vast majority of suicides.
13. Some people die by suicide because of a depression that was caused by genetics.
What are the warning signs of suicide?
- Talking or joking about suicide
- Depression
- Preparing for death
- Self-criticism
- Changes in personality
- Loss of interest in appearance, drop in hygiene
- Risk taking behaviour
- Excessive feelings of guilt
- Suddenly feeling better
- Writing poems, essays about death, SMS's or painting images of death.
What causes a person to commit suicide?
It is very rare that someone dies by suicide because of one cause. Thus, there are usually several causes, and not just one, for suicide.
Some of the negative life experiences that may cause depression, and some other causes for depression, include:
- The death of a loved one.
- A divorce, separation, or breakup of a relationship.
- Losing custody of children, or feeling that a child custody decision is not fair.
- A serious loss, such as a loss of a job, house, or money.
- A serious or terminal illness.
- A serious accident.
- Chronic physical pain.
- Intense emotional pain.
- Loss of hope.
- Being victimized (domestic violence, rape, assault, etc).
- A loved one being victimized (child murder, child molestation, kidnapping, murder, rape, assault, etc.).
- Physical, verbal or sexual abuse.
- Unresolved abuse (of any kind) from the past.
- Feeling "trapped" in a situation perceived as negative.
- Feeling that things will never "get better."
- Feeling helpless.
- Serious legal problems, such as criminal prosecution or incarceration.
- Feeling "taken advantage of."
- Inability to deal with a perceived "humiliating" situation or perceived "failure".
- Alcohol and/or drug abuse.
- A feeling of not being accepted by family, friends, or society.
- A horrible disappointment.
- Feeling like one has not lived up to his or her high expectations or those of another.
- Bullying. (Adults, as well as children, can be bullied.)
- Low self-esteem.
As a general rule, the level of danger suicidal people present to their own lives increases dramatically as they progress along the steps towards suicide. This is to say, people's risk goes up as they move from
LEVEL 1: thinking about suicide (e.g., suicidal ideation)
LEVEL 2: planning their suicide
LEVEL 3: collecting the necessary equipment
LEVEL 4: actually trying to commit suicide.
The earlier in this progression they can be identified and helped, the better.
Get help
If you are having thoughts about suicide, please chat to the MOBIEG helpline: LIVE CHAT. Our chatline is safe, free and you may remain anonymous.
LIVE CHAT Helpline
Email: firstname.lastname@example.com
Suicide crisis Toll free helpline: 0800 567 567 . Open 7 days a week from 08h00-20h00
SADAG National Toll free helpline: 0800 21 22 23. Open 08h00-20h00 daily
Maybe a friend is showing signs of suicidal behaviour and you are missing the signs. You might be the person who is supposed to save that someones life. Learn the signs by doing a self-test Quiz.
How to help a person who is suicidal
If you have a friend who is showing signs of suicidal behaviour, don't wait and hope it will get better or go away. Talk to the person about it. Talking helps in many ways. It allows you to get help for the person. Talking about it may help the person feel less alone and isolated. The person wants to know someone cares and understands. Talking may help them find a solution to the problem. It can be difficult to confront someone about this. Try:
" I've noticed that you've been talking a lot about wanting to be dead. Have you been having thoughts about to hurting or killing yourself?"
Listen to the person without judging and offer reassurance that you are there and you care. Stay close and don't leave the person alone.
Even if you're sworn to secrecy and you feel like you'll be betraying your friend if you tell, you should still seek help as soon as possible. It is always safest to get help. Suicide should not be a secret ever.
The following form can assist healthcare workers to determine the level of suicide risk:
Self help
Suicidal feelings and thoughts are part of depression. They are real and they won't just go away. Depression is a real medical illness. You are not crazy if you are having these feelings and thoughts. No one will be "disappointed" if you say how you feel when you suffer from depression and suicidal thoughts. Just like things can go wrong in your body, things can go wrong in your brain. You need medical help just like with any other illness.
Here are things you can do if you feel this way:
- Tell someone right away. A parent, family member, friend or a National helpline.
- Make sure you are not alone.
- Don't use alcohol or drugs to numb what you are feeling.
- Ask your family to lock away stuff that you can use to hurt you – guns, knives, ropes, pills.
- Keep pictures of your favourite people with you.
- Spend time with your family or friends. Even though you want to be alone – with drawing and isolating yourself is not a good idea .
Book a Counselling Session
You can book counselling sessions with the following therapists:


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CCRC Hangover Run 3mi and 6mi
Events and price: 3mi and 6mi (self-timed); $2 (free with CCRC membership)
Location: Klineline; Vancouver, WA
Number of runners:
Beneficiary: 150
Swag: N/A
Course: Flat out and back on paved trail
I wasn't hungover, but I did treat myself to a post-race Bloody Mary (it was epic--so many tasty garnishes)! The Clark County Running Club is a local running group that has inexpensive, events that are mostly self-timed (the results are collected and posted online). The majority of events are free for members and only $2 for non-members--and membership is SUPER inexpensive ($10/year for individuals and $20/year for families). And gives me opportunities to add more EVENTS to my race calendar for 2015 ;)
The Hangover Run was a flat out and back on a trail. I'm super slow right now but it was a good opportunity to hang out with other runners and get in some miles! I only did 3 miles, since I was testing out my new Hoka's, and was planning on running another 3mi with the Vancouver Run Grub Chug group (aka Vancouver RGC aka the "Chuggers"). I ran with my friend Adara and took it easy. It was chilly, but there were blue skies that morning! I was definitely glad to spend the first day of 2015 with running friends :)


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There has been a lot of speculation over the weekend about a possible government shutdown. The question for healthcare providers remains: what will happen to Medicare, Medicaid, and other ACA related operations if there is a shutdown? Fortunately, funding for Medicare, Medicaid, and the ACA is mandatory and there will be no immediate impact for beneficiaries unless the shutdown continues for weeks. However, there may be delays for Social Security disability recipients who are applying for Medicare. There may also be delays in claims processing, audits, and administrative functions.
Click here to read more


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I am the wife of Chris and mom to 9 children. I like to think outside the box and encourage others to do the same.
I have an incessant curiosity about environmental health, one of the many outcomes of our family's encounter with toxic mold. (Read more here.)
I am certified in the field of Building Biology and am passionate about the overuse of chemicals, the disregard for indoor environmental issues, and the proliferation of electromagnetic radiation.
I am an avid CrossFitter, yoga enthusiast, and lifelong learner.
As a former journalist, my goal is to provide unbiased information. For this reason, I am committed to keeping It Takes Time commercial-free. I own and operate Just So Natural Products which helps support this blog.
Wherever you are on your journey, I'd love to have you join me! If I can help along the way, feel free to email me at firstname.lastname@example.com


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For all those who love cupcakes, this is a dream! It's by Sprinkles Cupcakes and is called 24-Hour Sprinkles. In the form of a vending machine that looks like an ATM! It's located in Beverly Hills where they will also be opening an ice cream shop! Here's a better explanation of it via LAist:
This automatic cupcake machine dispenses freshly baked cupcakes, cupcake mixes, apparel and even cupcakes for Fido! In the heart of Beverly Hills nestled between Sprinkles Cupcakes and the brand new Sprinkles Ice Cream, 24 Hour Sprinkles will be continuously restocked day and night with a variety of freshly baked cupcake flavors.
I may just have to take a drive to Beverly Hills to try this! Yummy, cute and so much fun!


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Browsers are designed to show you information quickly. To speed up your access, your browser will store information when you visit a site, and redisplay it the next time you visit so you don't have to wait for the images and content on that site to download again. Ideally your browser will check for updates on the site, but this process isn't always perfect. Clearing your browser cache will usually solve this problem.
If you are not seeing your updates when you view your site, or you are still seeing old information on your site try clearing your browser cache.
To clear your browser's cache on your Apple/iOS device, follow the steps below:
First, tap on the Settings app, then scroll down and tap on Safari then tap on Clear History and Website Data.
A confirmation will appear. Tap on Clear History and Data.
After that, you'll want to close out of your Safari app completely. To do so, double tap on your home button and slide Safari up to close out of it.
After that, just open up the Safari app again and continue browsing.
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Alesis S-16 / EV ELX115P Mains and Monitors Package
Sku #H78565000000000
Live Sound Packages
- Write a Review
45 day price guarantee, 45 day return policy, 100% secure shopping
A solid collection of live sound gear with a 16-channel mixer, 15" PAs, 12" monitors, and all the key accessories.
This comprehensive live sound package includes an Alesis S-16 16-channel compact mixer, a pair of Electro-Voice ELX115P loudspeakers coupled with Kustom KPC12M 12" monitors, as well as two Gear One MV1000 Handheld vocal microphones, two Gear One XLR microphone cables (20' each), and two Rapco Horizon TRS-TRS cables (20' each). Rounding out this collection is a pair of sturdy Musician's Gear Standard Speaker Stands.
Alesis S-16 Mixer
The Alesis S-16 is a 16-channel mixer that is rugged, surprisingly compact, and bursting with professional features. The S-16 features eight mono and eight stereo input channels. Each mono channel is outfitted with a three-band equalizer with sweepable mid-range, and each stereo channel is equipped with a four-band fixed-frequency EQ, putting precise, sound-shaping control at your fingertips. Ultra low-noise, discrete mic preamps with 48v phantom power and Mute / Alt 3-4 and Solo functions on each channel make the S-16 an easy choice for professional mixing.
Electro-Voice ELX115P Loudspeakers
Part of Electro-Voice's Live X series, the ELX115P Active Loudspeaker is designed with an Electro-Voice-engineered 15" woofer and 1.5" titanium compression driver. This self-contained powered system features components optimized for use with its integrated high-efficiency 1,000W Class-D amplifier. The ELX115P has a bi-amplified design with 24dB/octave filter slopes and transducer protection, a selectable 100Hz high-pass filter for use with an external subwoofer, and exceptional crossover performance. It is easy to connect with 2 XLR/TRS combo jacks, 1 stereo RCA, and an XLR Link output, and has intuitive amplifier controls.
Constructed of 9-ply, 15mm plywood with internal internally bracing, the ELX115P is sturdy yet completely portable. It has built-in side handles for to make setup, breakdown, and transport easier, can be pole mounted for stacking it on top of a acoustically matched Live X series sub, and has a 60 angled design so you can also use it as a floor monitor as well.
Kustom SPC12MP 12" Powered Monitor Speakers
The Kustom KPC12MP is a 100W powered monitor speaker with an angled wedge design, a 12" Kustom-built loudspeaker and a piezo HF driver. The Kustom monitor is tuned to deliver rich, balanced tonality while accurately reproducing a wide variety of audio content.
The Kustom KPC12MP powered monitor speaker provides balanced XLR and TRS 1/4" (balanced/unbalanced) input jacks. These may be used to connect a wide variety of line level devices such as non-powered mixers, preamps, keyboards, drum machines and other audio devices including music players such as iPods and CD players. The Kustom KPC12MP speaker's volume control adjusts the overall level.
A TRS 1/4" line out jack may be used to daisy chain 2 or more KPC speakers for a wider dispersion of sound. For example, if a non-powered audio mixer has been connected to the KPC speaker's input, the line out of this first speaker may be connected to a second speaker's input. This is a daisy chain and it often requires shorter cable hook-up lengths versus connecting the second speaker directly to the audio mixer.
In addition to being used as a powered floor monitor, a built-in polemount socket enables you to elevate the Kustom KPC12MP for use as a powered PA speaker.
Gear One MV1000 Handheld Mics
The Gear One MV1000 dynamic, hand-held vocal microphone is ruggedly built with a crisp, clear presence, and cardioid polar pattern for rear isolation and higher gain before feedback. It comes with a carrying pouch, stand adaptor, and a one-year warranty.
- Ultra-low noise 16-channel, 4-bus mixing console
- Eight gold-plated XLR inputs
- Four stereo input channels with balanced input jacks
- Two stereo Aux returns
- Ultra low-noise discrete mic preamps with 48v phantom power
- Independent main mix, control room, and headphone outputs
- Peak LEDs on each channel
- Balanced inputs and balanced main outputs
- Pre- and Post-fader Aux routing for external effects and monitoring
- Two-track inputs assignable to Main Mix, Phones/Control Room outputs
- +4dBu/-10dBV on each stereo channel
- Mute/Alt 3-4, Solo function on each channel
- 12-segment bar-graph meters for precise reading of the output signal
- High-quality faders and sealed potentiometers
- Electro-Voice-engineered woofer and 1.5" titanium compression driver provide exceptional audio quality
- Outstanding crossover performance
- Lightweight materials, balanced design, and ergonomic handles for convenient transport, set up, and load out
- Stylish-yet-rugged 15mm plywood construction with textured finish says serious gear on any stage
- Easy to connect and control with versatile input and output options
- Designed to polemount or stack with Live X subwoofers
- Built-in 60 monitor angle
- 1,000W Class-D high-efficiency amplifier runs cool without fans
- Biamplified design with 24dB/octave filter slopes and transducer protection
- Selectable 100Hz high-pass filter for use with an external subwoofer
- Intuitive, user-friendly amplifier controls
- One 100W Class AB, built-in power amplifier with current-limited protection circuitry
- One 12", Kustom-built PA Speaker
- One piezo horn with wide dispersion flare
- Angled, wedge-shaped design
- One balanced XLR input jack
- One TRS 1/4" input jack
- Volume control
- One TRS 1/4" line out jack
- Built-in polemount socket
- Rugged construction
- Excellent presence and intelligibility
- Handsome styling
- Professional quality
Make some noise on the scene with this exceptional package. Order today!


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Jennifer's Photo Stories (20)曾錚的圖片故事(20)
These two photos were taken by a professional photographer hired to our school to shoot portrait photos for the so-called "三好學生", which can be literally translated as "Three Good Student", meaning students who excel at academics, sports, and moral integrity. And the photos were to be displayed and "worshiped" by all the students for an entire year, until next year, when a new batch of "Three Good Students" were selected and honored. For a high school student, that was the highest form of honor.
©Boxun News Network All Rights Reserved.


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Tax day here in the US, and given that our overall income was up last year by a fair amount, we ended up owing a rather significant amount today, federal, state and local. Because I'm self-employed, we also have to file quarterly taxes today as well, again, federal, state and local. So — joy — I get taxed twice on the same day. To give you an idea of how much we've paid out today in taxes, the proverbial picture worth a thousand words:
This is where being apparently one of the few American families that actually puts a significant amount of its annual income into savings comes in handy; we've got it covered. And we knew it was coming, so it's not like we weren't ready for it. It's still just wacky to have to pay out that much at one time, especially when we've already been paying out quarterly.
We pay a lot in taxes, but I don't think we pay too much in taxes; we have quite a lot of deductions and we have a smart accountant, which is good (as opposed to a clever accountant, which can get you into trouble), and as a percentage of our overall income, our tax bite is not especially onerous. Sure, it doesn't feel that way just this very second, but when I calculate it out it the percentage does not send me into paroxysms of rage.
Also, I have never been able to manage the sort of doublethink that allows some people to believe that answer to every possible problem is a tax cut, even as they spend more on government services of all sorts. Being as I am a real grown-up, I understand I need to pay in for services the government provides, rather than piling up debt for my child and her generation to deal with. Whether we need a government as big as we have is an open question, although I would suggest if one believes we don't (and I may be one of these), the way to deal with it is shrink the government and then reduce taxes to fit, rather than reduce taxes and shrink the government to fit, since over the last 30 years it's clear we don't do a very good job of the latter.
Money is magical thinking in some respects, since none of it is actually tied to anything real anymore; its value is just a shared hallucination. That said, I prefer my magical thinking to be of a practical bent, which means paying a reasonable amount of taxes and not whining like a kicked dog about it. To repeat: We pay a lot in taxes. I don't think we pay too much.
How is your tax day going? Get a return? Owe some money? Got the sum smack dab perfect and owe nothing? Share!


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Tue, 26 December 2006
December 29, 2006. Volume 02, Number 46.
This week we return to the problems the Abe Kantei seems to be having communicating with Japan's attentive public. Resolution of the Professor Homma fiasco we mentioned last week, eruption of a new political funding scandal, this time within the Cabinet itself, and its more rapid resolution. And then consideration of the significance of Yoshimi Watanabe's appointment to succeed Genichiro Sata as Minister of State responsible for administrative reform and regional revitalization.
Happy New Year to all.
Direct download: 061229JapanConsideredPodcastVol02No46.mp3
Category:podcasts -- posted at: 5:35pm EST


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About the Black Forest
The Black Forest is the highest low mountain range in Germany. It is worldwide famous for the cuckoo-clock, the "Bollerhut" and the Black Forest Cake. The famous holiday region in the south-west of Baden Württemberg reaches from Hochrhein to Kraichgau on an area of 150 kilometers in total. Visitors can expect beautiful landscapes, famous sights and a variety of leisure activities.
The high forests as well as the valleys can be discovered by extensive hiking tours. Climbers can enjoy stunning views from the mountain peaks which transform to a skiing paradise in winter. The skiing season lasts until April. A touristic center in the Black Forest region is the town of Freudenstadt where leafy arbours are bordering the biggest market square in Germany. An interesting local museum can be found in the town house. The palm forest invite visitors for a relaxing walk. The thermal springs in Badenweiler, which were already famous in Roman times, are a popular place for spa tourists today as you can enjoy different health treatments.
The clock-town Furtwangen is home of the German Clock Museum with the largest cuckoo-clock exhibition in the world which is a popular attraction in the Black Forest. During summer, the Titisee Lake is a great place for water sports. The 1.493-meter-high Feldberg offers many hiking opportunities. A very idyllic part of the Black Forest can be discovered the Glottertal with its orchards and vineyards which has once served as location for the famous TV series "Schwarzwaldklinik". Fun and excitement for the whole family offers the Europa Park in Rust. If you are looking for a wellness holiday, the town of Bad Dürrheim, the highest located brine baths in Europe, will be a good destination. Lovers of winter sports should visit the town of Hinterzarten.


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Find a Farmer
- Are you looking to sell or lease your property to a farmer?
- Interested in mentoring or incubating new farmers?
- Looking for someone to steward your land?
NC FarmLink supports a wide variety of tenure arrangements on properties of any size, and can be a useful tool for farmland owners to reach their goals.
You can use this site to create a property listing, search for service providers and educational resources in your area, or to find a farmer for your land.
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