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This column originally appeared on Youngstown State University's The News Outlet.
Nearly a decade ago, the city of Youngstown was in the midst of finalizing a comprehensive plan that sought to create a bold new vision for the struggling Rust Belt community.
The plan, Youngstown 2010, called for a radical rethinking of the way in which the city needed to embrace its future.
Unlike most city plans which promote growth, 2010 suggested a managed 'right-sizing' which embraced the notion that a new approach was needed to deal with the numerous challenges associated with decades of economic and population decline.
The 2010 planning process began in earnest in 2002 and was led by then-Community Development Agency director Jay Williams in partnership with Youngstown State University and Urban Strategies Inc. of Toronto, Canada. The plan (and its process) was aggressively marketed throughout the local area.
The Vindicator ran a four-part series prior to the first citywide public meeting at Stambaugh Auditorium in 2002 (and another series in 2008); a news conference was held to announce the community meeting schedule; two public service announcements ran for a nine month period in 2004; and local PBS affiliate WNEO produced a live program series, '2010 Moving Ahead: A Forum For Reporting Progress'.
Billboard advertisements donned city corridors encouraging residents to get involved. A website for the plan was developed as was memorabilia such as t-shirts, tote bags, writing materials and even electronic logos for computer wallpaper.
An art project – 'Faces Of 2010' – asked residents to contribute renditions of themselves in a mosaic layout which, coincidently, generated exactly 2,010 individual faces.
After three years of community engagement in which an estimated 5,000 people participated, the final plan was unveiled to over 1,300 people at Stambaugh Auditorium in January 2005.
Once a final draft was inked, the Youngstown 2010 Comprehensive Citywide Plan was adopted by City Council and soon began to generate local, national and even international media and academic recognition.
For example, in 2006, the plan received the 'National Planning Excellence Award For Community Outreach' by the American Planning Association and was also named to the New York Times' annual 'Best Ideas Of The Year' list.
In 2005, Jay Williams – a political novice – decided to run for mayor as an Independent candidate using the Youngstown 2010 Plan as his platform. He would go on to defeat Democratic Party candidate and then-State Senator Bob Hagan by a 12 point margin.
The win was historic as Williams became the city's first African-American mayor and – at 34 years of age – its youngest as well.
This new vision and new leadership created high hopes in the community. For the duration of his time as Mayor, Williams was asked to speak about the plan at numerous engagements throughout the nation which raised both he and Youngstown's profile.
However, as time passed, concern in the community grew that commitment to the plan was waning. In 2008, a historic recession exasperated an already overwhelming economic situation in the city. Eventually, Williams, himself, would begin to describe 2010 as a 'journey and not a destination."
Then, in 2009, the city's chief planner and Youngstown 2010 project director, Anthony Kobak, abruptly resigned and was not replaced. Two years later in August 2011, Jay Williams, himself, resigned to accept a position with the Obama administration. His replacement – Chuck Sammarone – would dismiss the plan outright.
So, ten years later, what was accomplished under Youngstown 2010 and what is the condition of the city today?
The plan contained a final chapter which outlined implementation strategies both citywide and for each side of town. Those strategies ranged from very general to somewhat specific and were organized under three themes: 'Clean', 'Green' and 'Better Planned & Organized'.
This column will take a look at some of the key goals from that chapter while also examining some key finding from the recent neighborhood conditions report issued by the Youngstown Neighborhood Development Corporation.
Perhaps one of the most curious goals of Youngstown 2010 was a hope that the city could stabilize its population at 80,000 residents.
This remained a goal in the final 2005 draft despite the fact that the city's population in the year 2000 – two years prior to the start of the Youngstown 2010 planning process – had already declined to 82,000.
Additionally, the city had been losing an average of nearly 16 percent population each decade for the past forty years due to a nationwide trend of suburban sprawl dating as far back as the 1930s and later exasperated by the collapse of the local steel industry in the late 1970s and early 1980s.
When the 2010 U.S. Census report was released, it revealed that the city had lost an additional 18.4 percent of its population. The news was met with shock by some city officials who anticipated more population loss but not to such a degree.
Two years later in 2012, an updated Census report showed that Youngstown led the nation in population loss between 2010-2012 among cities with a population of 50,000 or greater. Meanwhile, Mahoning County led Ohio in population loss from 2011-2012.
In fact, between 1990 and 2010, the only area of the city where the number of residents grew was the East Side due to the construction of two prisons.
Youngstown's current population now stands at approximately 65,000, a 61 percent decrease since its peak.
Crime, Education & Income
While the Youngstown 2010 Plan – largely a land use plan – did not directly address issues of crime, education and poverty, it's important to review these items as they do speak to the holistic health of the city and impact planning objectives.
Regarding crime, calls for police service for violent and property crime in the city decreased by nearly a third between 2003 and 2012. Annual homicide rates decreased sharply as well in comparison to a peak in the mid-1990s. However, it should be noted that the city's population decline also plays a factor in these figures as well.
Between 1990 and 2010, the percentage of residents without a high school diploma dropped by 14 percent and those with a college degree rose by nearly a third. However, 20 percent of adults in the city still do not have a high school diploma while only 16 percent have a four-year college degree or higher. This leaves Youngstown with a higher percentage of residents without a high school diploma and a lower percentage of residents with a post-secondary degree than almost any other city of comparable size and composition in the nation.
Employment and income statistics are not much better. As of 2011, the unemployment rate in the city stood at 19.5 percent (some place it even higher). The median household income is now $24,880, which is significantly lower than Mahoning County ($40,123) and nearly half that of Ohio ($47,358).
Unfortunately, more than a third of city residents live in poverty (36 percent). In fact, Youngstown led the nation in 2011. Additionally, the suburban poverty rate in Mahoning County also rose by nearly 40% since 2000.
Housing, Code Enforcement & Demolition
One of the most significant challenges facing Youngstown's neighborhoods is vacant and abandoned property, whose rate has doubled since 1990 and now sits at 19 percent.
The Youngstown 2010 Plan identified several goals in dealing with this issue: targeting of highly visible demolitions; converting surplus school buildings into green space; reorganizing the city's code enforcement department; creating a housing court; improving the city's land bank program; and seeking state funds for demolition and redevelopment of larger commercial structures.
When he entered office in 2006, Williams' administration made demolition a priority by increasing the budget for it several fold.
Williams also sought from the U.S. Environmental Protection Agency a waiver aimed at helping accelerate the demolition process. However, his request was ultimately denied. In fact, additional regulations would eventually be enacted which nearly doubled the cost of the average demolition in the city.
Two years into the Williams administration came the 'Great Recession' and a new wave of foreclosures which compounded an already overwhelming problem.
Eventually, residents began to organize. In 2008 and again in 2010, the Mahoning Valley Organizing Collaborative conducted a citywide vacant property survey. The 2010 results reported a vacancy rate of 44.8 structures per 1,000 residents, a figure nearly 20 times the national average
These reports led to a campaign around the issue. Between 2008 and 2010, neighborhood groups in the city more than doubled (20 in 2005 to 49 in December 2013). A collective effort between organized residents of Youngstown and Warren along with local officials and policy organizations led to the passage of a state law which allowed for the creation of county land banks in both Mahoning and Trumbull counties in 2011.
However, it was obvious that additional help was needed with neighborhood development and planning as well. In 2009, the Youngstown Neighborhood Development Corporation was formed in response to this need.
While some notable development has taken place over the past ten years (mostly in the downtown and near-North Side), the most comprehensive neighborhood development took place in the Idora neighborhood, one of only a handful of neighborhoods to receive a comprehensive plan under Youngstown 2010.
Spearheaded by the Youngstown Neighborhood Development Corporation, efforts have included aggressive demolition and board-up programs; vacant lot beautification; mural projects; multiple community gardens and an urban farm; and home rehabilitation and purchasing programs.
The success of the work in Idora has led to recognition both nationally and internationally. But, it's also created greater demand for similar programming citywide – a constant challenge with almost any program or service in the city. Currently, the Youngstown Neighborhood Development Corporation focuses its programming in six target neighborhoods throughout the city.
In addition to development, residents also advocated for better and more strategic use of other city services such as demolition (a recommendation that would later be supported by a federal report in 2013) and code enforcement (which the Youngstown 2010 Plan identified as well).
Those reforms largely came under the administration of Mayor Chuck Sammarone in 2011. Inspectors were organized under a single coordinator; a housing appeals board was established (as was a housing court in 2004); a city prosecutor was assigned to cases; code enforcement and demolition tracking websites were created; rental and vacant properties were required to be registered (note: over 15 percent of all property in the city is currently owned by out-of-state residents or companies); a $10,000 bond ordinance on bank foreclosures was passed; and Street Department personnel were used to help with demolition (which still, largely, lacks a strategic approach).
The success of these reforms can be demonstrated in a single year where, beginning in August 2011, 59 residential and commercial demolitions were carried out by private property owners due to pressure from the city. This saved taxpayers approximately $900,000.
Also, $870,000 had been generated from the bank foreclosure bond in its first year (money that is used to maintain or, perhaps, eventually demolish foreclosed properties).
Registration programs and code enforcement cases resulted in over 300 individual citations with nearly 200 coming under compliance.
There have been other contributions as well. Many of the city's older school buildings were demolished under a $180 million school rebuilding program. Several still remain while those not sold to charter schools have been converted to green space or walking parks as the Youngstown 2010 suggested.
However, several newly constructed schools are still vacant as the school district continues to struggle with chronic fiscal challenges due to state cuts and a loss of students caused by open enrollment, and voucher and charter school alternatives. School district officials are even considering selling the school administration building downtown.
The city's main corridors remain a challenge in terms of redevelopment but significant progress has been made on a few. The most notable efforts have been on Market Street where Community Corrections Association has spent approximately $800,000 on the demolition of 48 buildings and the maintenance of 16 landscaped lots for a two-plus-mile stretch. A handful of other buildings have been acquired by the organization for office space. However, much vacancy remains.
Glenwood Ave has also seen improvement due largely to the efforts of the Youngstown Neighborhood Development Corporation which partnered with the city and other organizations to demolish several vacant structures, organize mural projects and create additional green space such as Glenwood Community Park.
Other smaller efforts have included citizen group cleanups and beautification projects on US-422, McGuffey Road, South and Mahoning avenues.
The state's Clean Ohio Fund also played an important role in helping fund several larger demolition projects such as the YBM property in Crab Creek, commercial buildings for student housing on the city's North Side, and several larger structures in the downtown area, to name a notable few. According to city officials, over $7.6 million of funding has been received for 12 different projects since 2005.
And at of the time of this writing, the county land bank announced that it had secured another $4.2 million from the state for demolition of residential properties in 'tipping point' neighborhoods in Youngstown and adjoining townships.
All told, there were 3,062 demolitions from 2007 to 2013 and the annual number of foreclosure filings fell by 56 percent.
But despite these efforts (much of which has been recent), the average price for a single family home in the city fell by nearly a third during the same period of time.
In 2013, the average price of a single family home in the city was $21, 327.
As a result, YNDC's 2014 Neighborhood Conditions Report lists only two Census tracks in the city as 'Stable', both them located on the southwest side. An additional six are rated as 'Functional'. The remainder of this city is considered 'Constrained', 'Weak' or 'Extremely Weak'.
Parks & Recreation
Youngstown 2010 set general goals of 'creating and maintaining high quality city parks' while also 'converting select city parks to new land uses' and 'supporting Mahoning River restoration projects.' – vague yet ambitious goals, to be sure.
With the exception of Mill Creek MetroParks, the city has over 40 parks which it has maintained over the years. However, the park system, like much of the rest of the city, has been faced with the same reality of having to downsize.
To that end, in March 2013, the City of Youngstown Park & Recreation board commissioned Youngstown State's Urban & Regional Studies department to conduct an assessment of the park system. The report recommended transferring 12 properties to private entities and closing another six. Perhaps the most notable park activity had to do with the board, itself, which residents voted to abolish in November 2013.
Regardless, efforts were made to improve some remaining parks. Youngstown CityScape raised over $150,000 for North Side's Wick Park. Improvements included landscaping, signage, gates, and roadway and sidewalk improvements. Those efforts earned a Northeast Ohio Community Impact Award.
Arlington's Hope 6 Project included new playground equipment and a community center.
Fosterville Park on Glenwood Ave was removed to make way for the Bottom Dollar grocery store but was replaced by Glenwood Community Park in 2013.
The former Jackson Elementary school in the Buckeye Plat neighborhood was demolished and converted to a walking park. Also, a small basketball court and community garden area were installed in the Lincoln Knolls neighborhood on the East Side.
Despite the downsizing, most residents still live within a half-mile of a park or playground with the exception of several larger, rural areas of the East Side and the Pleasant Grove and Cottage Grove neighborhoods on the lower South Side.
However, perhaps the most underutilized recreational asset in the city of Youngstown remains the Mahoning River.
During the city's steel era, the river was used as a cooling and dumping mechanism for much of the industry's raw product. This led to severe contamination which is still an issue today.
Within the past decade, the U.S. Army Corps of Engineers was commissioned to conduct a $3.5 million study on how to clean up the river, an effort estimated to cost $150 million.
The study was delayed in 'Phase II' and was never completed due to a variety of factors such disagreement about approach, lack of political will and, perhaps most importantly, lack of funding.
With the exception of some bike trail planning by Eastgate Regional Council Of Governments, not much activity had taken place for the better part of the last decade.
However, in 2013, officials at the Ohio Environmental Protection Agency approved funding to remove the first of several locks along the river in Lowellville.
Funding was also secured to begin demolition of the Wean United Building next to the Market Street Bridge, a long-time downtown eyesore.
Plans have also been discussed to build an outdoor amphitheatre adjacent to the Covelli Centre, downtown's convention center. However, recently elected Mayor John McNally said these plans need to include a larger riverfront development strategy, an encouraging sign for river recreation advocates.
Business & Development
The business & development front featured both positive and not so positive headlines.
The first was the city's failed 2008 attempt to reach an agreement with surrounding townships to establish a Joint Economic Development District, a fairly common practice in other metropolitan areas throughout Ohio.
Youngstown's proposal included a deal in which water would be provided to township businesses in exchange for income tax paid by employees of those businesses to the city, with a portion of that income tax split with township governments. The deal would have also reduced or eliminated the city's water surcharge rate for all township residents while reducing the city's existing income tax rate by a half percent.
Trustees viewed the deal as a money grab by the city and rejected the proposal. Despite a State Supreme Court ruling which would have allowed the city to pursue annexation, the Williams administration chose not to pursue that option nor continue to pursue a Joint Economic Development Agreement. A similar attempt was made in 2013 by Mayor Chuck Sammarone with a racino project in Austintown. However, this, too, was rejected.
A successful regional agreement was reached with the city of Girard in relation to the Vallourec Star expansion project. The nearly billion dollar steel pipe plant – considered the largest construction project in the nation at the time – required a shared land agreement with a revenue sharing plan included between the two communities. After rather contentious negotiations, a successful deal was reached and the project was completed 2012.
Perhaps the most significant development in the city involved the beginning of the rebirth of downtown Youngstown.
In 2004, Federal Street was reopened and several new government buildings and courthouses replaced dilapidated structures. In 2005, a $42 million convention center was opened and a state-recognized entertainment district was established.
Coupled with an economic development program for small businesses ('The Youngstown Initiative'), a number of new bars and restaurants soon began to open. Significant circulation was beginning to flow once again in downtown Youngstown.
In 2008, the ribbon was cut on the Realty Tower, an $8.4 million market-rate apartment building in Central Square. This was followed by similar projects such as the Davis Building, Federal Building and Erie Terminal Place.
Other notable projects have included the Oh Wow! Children's Science Center; DeYor Performing Arts Center; and the Tyler History Center.
Future projects such as the Wells, Wick and Gallagher Buildings (apartments, restaurants and office space) are scheduled for 2014. A 110-room hotel is slated for the Stambaugh Building in 2015, a true bellwether for the success of downtown's continued renaissance.
Youngstown State University completed a centennial plan which included the construction of a $42 million business college on Wood Street, a sorely needed connecting piece between campus and downtown.
Eastern Gateway Community College – a network of regional community colleges – opened their Valley Center on E. Federal Street in 2012.
However, arguably the most significant part of the storyline of downtown development has been the Youngstown Business Incubator, a non-profit organization which provides office space and services for business-to-business technology startups.
The incubator has grown from a single office building to a four building campus in over a decade and a half. It houses more than a dozen small businesses as well as 'graduate' Turning Technologies (an industry leader in response technology) as well as the National Additive Manufacturing Institute, a research & development center spearheaded by the Obama administration.
Another noteworthy development taking place in the city is the rise of urban agriculture.
In addition to traditional community gardens, larger-scale projects have also begun to take root such as the Iron Roots Urban Farm, Commonwealth Kitchen Incubator, community supported agriculture programs and several weekly farmers markets.
In response this activity, the city school district's Choffin Career Center created an aquaponics training facility in 2012.
Last but not least, the city completed a new zoning code – a goal of Youngstown 2010. The new code is designed to better match the reality of the smaller city that Youngstown is today. It's also considered to be one of the more progressive codes in the nation.
New Planning Process
While the Youngstown 2010 Plan's goals were rather general and commitment to seeing it through either the lacked capacity or political will (or both), perhaps its greatest contribution was the energy and capacity it created, indirectly.
The process brought thousands of residents together to discuss a new vision for the city. That new vision raised the profile and changed the perception of the community on a national and even international level. It also led to a historic election which demonstrated that politics-as-usual isn't always a foregone conclusion in Youngstown.
Residents began to organize in their neighborhoods. Downtown began to make its comeback. City Hall was challenged to step up its game and made changes that have been helpful. Philanthropic support shifted and initiatives where supported (and in some cases, created) to help lay the groundwork for much of the community activity that we see today.
Without question, the city still faces enormous challenges. Much work still needs done on almost every front. The need will continue for quite some time.
However, it appears Youngstown has a better footing to do something about some of these issues now more so than in years past.
This year, the city has begun a new planning process which is being led by the Youngstown Neighborhood Development Corporation. Given Youngstown's arguably weak history of follow through with such initiatives, many residents are skeptical about any new plan.
However, planning is important because it builds consensus and creates a game plan around common issues. It can also serve as an important tool for holding people, organizations and City Hall accountable if it's done well and used correctly.
To that end, given Youngstown's recent momentum, the hope of many residents is that lessons learned from the past decade should be used to create more reasonable strategies.
The strategies may be smaller. But if they are specific, realistic, and achievable, they will create 'wins' for the city. And much-need momentum that will lead to greater success over time.
If that's what comes from this process, then it will be a success and worth the effort. But follow through will always lie in the hands of the city as well as organizations and individuals willing to make things happen and hold others accountable.
At the end of the day, a city is just a place and it's what people who care about it choose to make of it. Despite its many challenges, that's true of Youngstown as it is anywhere else.
There is no single business, organization, plan or individual that can 'save' Youngstown. There is only the community. And it will continue to take a lot more work and dedication by many to create the change Youngstown needs.
Phil Kidd is the founder of Defend Youngstown and Youngstown Nation. He is also a columnist for Youngstown State University's The News Outlet.


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India continues to be an emerging market in the global medical technologies space, however, it has not reached its true potential, both in terms of the market opportunity and building a hub for innovation and manufacturing, said the CII- BCG report titled 'Medical Technology: Vision 2025'.
It said India holds a $50 billion opportunity in the medical technology sector by 2025.
Listing a 10-point agenda for the government, the study said there is a need to increase government healthcare spending besides providing single window authority for regulation.
On a priority basis, the government should take steps in the next twelve months to boost the medical technology industry, increase spending on healthcare and provide a platform to participate in government purchasing across schemes and states, it suggested.
Besides, it sought "specific tax incentives and soft loans for setting up manufacturing plants in line with competing destinations such as Malaysia, rationalisation of the inverted duty structure for raw material and components, to make indigenous manufacturing more attractive".
It also pitched for setting up a single window authority for the regulation of medical technology manufacturing and enhancing the capability of designated manufacturing hubs.
Meanwhile, in a separate statement, quoting Joint Secretary in the Ministry of Commerce Sudhanshu Pandey, CII underscored the need for enhancing FDI in the medical device industry.
Pandey said the sector accounted for less than 0.5 per cent of the total inflow of FDI, which was inadequate considering the fact that FDI was allowed both in brownfield and greenfield segments.
More inflow of FDI could also make India a hub for medical device production not only for catering to domestic use but also exports, he said.
He added that states like Andhra Pradesh and Telangana are focusing on setting up hubs for manufacturing medical equipment.
Pandey also called for transfer of technology to give a leg-up to the industry by taking up contract designing and research leading to manufacturing.
Better brand building of Indian medical devices would help in commanding higher prices in the international market, he said, asking the industry to evolve a pragmatic pricing policy for equipment.
"Product pricing should be transparent, predictable and economical to make the medical treatment affordable to the common man," he added.

subset: commoncrawl


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Interested in Volunteering? Get started today!
Volunteers play a significant role in the operation of the Boys & Girls Clubs. From thrift stores, to mentoring, to building projects, all are vital to our success. Our volunteer opportunities are listed below. If you and/or a group is interested, please print and complete our Background Consent Form and Volunteer Application.
Club Volunteer
Here is a list of our ongoing activities in our Clubs. Each of our 14 Clubs locations have opportunities. If you have a hobby, talent, or skill you would like to share, please let us know!
- Mentor: Be a mentor for a Club member at any of our four Club locations.
- Special Events: Assist staff with special events (Great Futures Gala, Golf Tournament, Harley Party, etc.).
- Power Hour: Assist club members with the completion of their homework and help them improve on a particular subject area.
- Gamesroom: Assist staff and interact with club members in the gamesroom area (playing pool, Legos, ping pong, and board games).
- Arts & Crafts: Share your talents and skills (painting, drawing, special projects, etc) with club members.
- Sports: Assist staff with recreational activities (basketball, football, soccer, kickball, etc.)
- Technology: Assist staff and share your computer skills with Club members.
- Facility based project: Assist with the upkeep of the buildings (painting, groundskeeping, cleaning, etc.)
- Create your own: If you have a hobby, talent, or skill you would like to share, please let us know.
Events Volunteer
Boys & Girls Clubs of the Topeka has several annual fundraising events, including our Great Futures Gala and Harley Party. Each event requires the assistance of volunteers that provide vital help at the event. We work with individuals and groups who are interested in helping.
To apply online, click on the Apply Online button below.
To complete a paper application, click on the Download Application button below, deliver or mail it to our Adminstrative Office at 550 SE 27th St, Topeka, KS 66605 Attn: Simone Patterson
For more information, please contact our Director of Development & Marketing, Krystal Wiltz at 785-234-5601 or firstname.lastname@example.com


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Rainbow chard gratin
This will be saved to your scrapbook
You can also add it to one of your existing cookbooks
Serves: 4-6
500ml tub Waitrose Vegetable Stock (find in the chiller)
100ml double cream
50g butter
25g plain flour
1 egg yolk
150g Keen's Mature Cheddar, grated
1 medium onion, finely chopped
2 cloves garlic, crushed
about 800g rainbow or speciality chard, stems chopped, leaves torn
1 x ½ tsp freshly grated nutmeg
40g Cooks' Ingredients Lemon and Pepper Crust
1 tbsp olive oil
1. Preheat the oven to 200ºC, gas mark 6. Place the stock in a saucepan over a medium heat and reduce by a third, to about 300ml. Stir in the cream and set aside.
2. Melt 25g of the butter in pan, stir in the flour and continue to cook for 1 minute. Slowly add the stock and cream mixture, stirring all the time over a low heat until thickened and silky. Remove from the heat and add the egg yolk and cheese, stirring until melted.
3. In a large sauté pan, heat the remaining butter, add the onion and garlic and gently fry until golden and softened. Add the chard stems and cook for 2 minutes until softened, then add the leaves and cook until wilted.
4. Tip into a colander and squeeze out the moisture with the back of a spoon. Transfer to a bowl and season with a little salt, cracked black pepper and grated nutmeg. Pour over the sauce and toss to combine. Transfer to an ovenproof dish. Mix the Lemon and Pepper Crust with the oil and scatter over the chard. Cook in the oven for 20 minutes, until golden and bubbling. Serve immediately, on its own with crusty bread or as a side with a griddled chicken breast.
Typical values per serving:
|Saturated Fat
This recipe was first published in December 2012.


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Charitable Support
Edgar Jerome Ltd is proud to support the Aldershot Rotary Club.
John Jerome Director of Edgar Jerome Ltd, joined the Rotary Club of Aldershot in 1997. He became President of the club in 2010 and after his time as president, was awarded the prestigious Paul Harris award.
Rotary was founded by Paul Harris in Chicago over a hundred years ago in 1905 and came to Britain in 1911.
Rotary came to Aldershot in 1928 and is one of around 31,300 clubs in Rotary International spread over 163 countries and geographical regions. Rotary has nearly 1.3million members worldwide who share the common objectives of fostering high moral and ethical standards in business and the professions whilst, at the same time, initiating and supporting community service projects locally, nationally and internationally. The regular weekly meetings provide an opportunity for members both men and women from business or the professions to enjoy each other's company and to develop business and social relationships. Speakers are regularly invited to introduce a topic of interest for the members and lively discussions usually follow. Associated closely with fellowship, is the idea of service to the community. This takes several forms including fund raising and active participation in community projects. This may be something as simple as providing marshals for the town's Victoria Day to working on major international projects following natural disasters.
Within Rotary, members often speak of 'The Family of Rotary' and Aldershot Rotary Club is strongly orientated towards full integration with their families in their fund raising activities. There are often regular events held in which partners, families and friends may join in.
John Jerome has supported the Anthony Nolan Bone Marrow Trust for twenty years. He and his wife Cheryl ,who has donated bone marrow, set up the first awareness and fund raising group in Aldershot at a time when the Trust was just beginning to make the public aware of the need for bone marrow donors. John continues to support the Trust by giving the monies raised from his "talks" about the history of the Jerome family.


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Posts Tagged 'Ernest Mehew'
Mehew Library comes to Edinburgh
We are pleased to publish here the following press release from Roger Swearingen and Nick Rankin.
(1) The National Library of Scotland and Edinburgh Napier University have jointly agreed to accept, as a donation, the Ernest and Joyce Mehew Archive of Books and Papers Related to Robert Louis Stevenson and a number of other books from their extensive collection, built up over 50 years. Exact partitioning and other details of location and access are to be arranged.
(2) The donation was proposed by Nicholas Rankin, Administrator of the estate of the late Dr Ernest James Mehew, FRSL, editor of the eight-volume Letters of Robert Louis Stevenson, (Yale, 1994-95), who died last October, aged 88, and agreed by Maxine Barnes, the lawyer soon to be appointed by the Court of Protection as Deputy of his widow, Mrs Joyce Elizabeth Mehew, who now lives in a care-home in England.
(3) The process was helped by a detailed descriptive and photographic catalogue of the collection that was prepared by the American Stevenson scholar Roger G. Swearingen, a friend of the Mehews for more than forty years, during a one-month survey trip to England during January and February 2012.
(4) The Ernest and Joyce Mehew Library consists of more than 40 boxes of papers and some 2000 books by and relating to Robert Louis Stevenson and his friends and associates in the late nineteenth century. The Mehew papers include a wide range of articles, cuttings, diaries, ephemera, notebooks, page-proofs and extensive scholarly correspondence, as well as material from the now defunct Robert Louis Stevenson Club of London. They will complement the National Library of Scotland's holdings of Graham Balfour (Stevenson's first biographer) and Janet Adam Smith (editor of Stevenson's poems).
The Mehew collection of books is a comprehensive library of Stevensoniana that has few rivals in the world. It includes first editions, rarities, biographies, collections of letters, reference books, critical studies and bound copies of the magazines where Stevenson's work first appeared, including Cornhill, Century, Scribner's, Black & White, etc, as well as background works on Scotland, America and the Pacific. In addition, there are books by and about Edmund Gosse, W.E. Henley, Henry James, Max Beerbohm, George Bernard Shaw and Oscar Wilde, all of which will increase Edinburgh Napier's importance as a locus for RLS and late 19th century research.
(5) Ernest Mehew's interest in Robert Louis Stevenson began when he was at Huntingdon Grammar School before the second world war. He began by collecting the thirty-five blue volumes of the Tusitala Edition and by 1950 had made himself such an authority on Stevenson's manuscripts and handwriting that he could help Janet Adam Smith with her edition of Stevenson's poems. She introduced E.J. Mehew, now beginning his career as a civil servant in the Ministry of Food, to her publisher, Rupert Hart-Davis, who, recognizing his research talents, put him and his new bride, Joyce Wilson, to work on The Letters of Oscar Wilde.
In 1964, Yale University Press asked Mehew to look over an early draft of The Letters of Robert Louis Stevenson, prepared in the USA by Professor Bradford A. Booth. His critique was so cogent that they invited him to become assistant editor. When Booth died in 1968, Mehew became the sole editor and carried the whole project through to fruition.
Working as an independent scholar, with only his wife Joyce as his assistant, and never using a computer, Ernest Mehew located, sorted, transcribed, dated, annotated and linked some 2,800 letters, many of which had never been published before.
When the eight volumes were published in 1994-1995, they were met with universal acclaim and Mehew's editing was recognised as a model of clarity, concision and good sense. The Letters elevated and enhanced Robert Louis Stevenson's literary and personal reputation, as well as transforming the factual basis of Stevenson studies. As a result of his lifetime's dedication, Ernest Mehew was elected a Fellow of the Royal Society of Literature and was awarded an Honorary Doctorate by Edinburgh University in 1998.
24 May 2012 – RGS, NR
The Library and Papers of Ernest and Joyce Mehew
Description by Roger G. Swearingen
March 2012
The Library and Papers of Ernest and Joyce Mehew consist of somewhat more than 1,000 books by and about Robert Louis Stevenson; another approximately 1,000 books on other late-nineteenth and early twentieth-century writers including Lewis Carroll, Oscar Wilde, Max Beerbohm, Arthur Conan Doyle, Robert Graves, and many others; and perhaps another 1,000 books of lighter reading, including hundreds of early Penguin Books. The papers are now stored in approximately two dozen archive boxes and, unpacked, would occupy 20-25 linear feet (approximately 7.5 metres). There are also approximately 100 off-the-air audio and video tapes mostly from the 1980s on or showing works by Robert Louis Stevenson and many others.
The Stevenson items in the collection – books and papers together – make up an incomparable research archive on every aspect of the life and works of Robert Louis Stevenson. The other books are complementary and in addition to their reference value show the wide range of literary projects in which the Mehews were involved over the span of fifty years.
This is a working scholarly collection, used above all in the creation of the eight-volume edition of Stevenson's letters published by Yale University Press in 1994 and 1995. As a result there are only a few books of much monetary or collector value, the value of the collection lying instead in its usefulness to scholars.
Ernest James Mehew (1923-2011)
Ernest James Mehew, editor of the Letters of Robert Louis Stevenson
23 September 1923 – 24 October 2011
by Roger G. Swearingen
Ernest James Mehew, the world's pre-eminent authority on the nineteenth-century Scottish author Robert Louis Stevenson, died peacefully in his sleep on 24 October 2011, a month after his eighty-eighth birthday. For approximately the last year, he had resided with his wife of more than fifty years, Joyce, in an Edgware, Middlesex, nursing home to provide her with support and companionship in her progressive and losing struggle with advanced-age dementia. She survives him; the Mehews had no children.
Ernest Mehew was born on 23 September 1923 at Bluntisham, Huntingdon and educated at Huntingdon Grammar School. In June 1942, at the age of eighteen, he joined the British Army and served with the Royal Army Ordnance Corps in the UK, France, Belgium, and India. Already fond of Stevenson from his school days, it was Janet Adam Smith's 1938 biographical study, Mehew later recalled, that in 1942 made him a serious student of the author. After his time in the army, Mehew joined the Civil Service in 1947 and served in the Foreign Office, the Ministry of Food, and (for most of his distinguished thirty-year career) the Ministry of Agriculture, Fisheries, and Food. He retired in 1983 at the level of Principal (G7).
He took advantage of his hour-long commute on the Bakerloo Line of the London Underground to and from his home in Stanmore to read not only everything that Stevenson himself wrote but practically everything that Stevenson himself had read and everything that had been written about him or about his family, his friends, and his times – whenever possible, from primary sources. Mehew's knowledge was, as a result, encyclopaedic, not narrow, and besides frequent visits to second-hand bookshops in Charing Cross Road, he and his wife Joyce (herself a keen student of the period, and of the English author Maurice Baring) spent many a weekend searching bookshops for still more about Stevenson – notably in Peter Eaton's sprawling establishment at Lilies near Aylesbury in Buckinghamshire and, later, in the many bookshops in Hay-on-Wye. The collection of books, periodical versions, reminiscences, and much else, soon filled every available corner of the house and attic.
From the early 1950s, in part from his letters to the Times Literary Supplement correcting errors and omissions and setting the record straight, often for the first time, Mehew became recognized not only for his knowledge of Stevenson but of the late nineteenth-century literary scene generally. Forming life-long friendships in the process, he helped with Janet Adam Smith's editions of Stevenson's Collected Poems (1950, 1971), with the British edition of J. C. Furnas's biography of Stevenson, Voyage to Windward (1952), and with Rupert Hart-Davis's major edition of Oscar Wilde's letters (1962). 'Mr. Mehew has unearthed several dozen letters unknown to me', Hart-Davis wrote in his introduction, 'besides doing the most acute detective work on behalf of the footnotes: any of them that seem particularly ingenious, amusing or recondite can safely be attributed to him, while Mrs Joyce Mehew's extensive knowledge of the Bible has proved invaluable'. He was a mentor, too, to a younger generation of scholars, notably the Stevenson bibliographer Roger G. Swearingen, whom he first met in 1969 when Swearingen was in graduate school and with whom he maintained an active friendship and correspondence for more than forty years, practically to the day of his death.
In 1966, Mehew was asked by Yale University Press to comment on an edition of Stevenson's letters then in preparation by Professor Bradford A. Booth. Mehew submitted a commentary so lengthy, useful, authoritative, and detailed that he was asked to become assistant editor of the Yale letters – a task which became his alone when Professor Booth died suddenly on 1 December 1968.
The eight volumes of The Letters of Robert Louis Stevenson, published twenty-five years later in 1994 and 1995, included more than 2,800 letters, almost two-thirds of them never before published. Mehew's careful transcriptions, dating, and detailed and incisive annotations, together with his introduction and linking commentaries, not only placed the study of Stevenson upon a whole new foundation of fact, but also set a standard for the scholarly editing and accessible presentation of such material that will never be surpassed. It is a testimony to the thoroughness and completeness of Mehew's work that in the fifteen years since the publication of the Yale Letters fewer than a dozen new letters have come to light, none of them of any great importance, and that the physical locations of only a dozen or so other letters, then untraced, have now become known.
Mehew's Selected Letters of Robert Louis Stevenson (1997) is an engaging and balanced selection illuminated throughout by Mehew's introduction, annotations, and linking commentary. The result, in effect, is an authoritative and highly readable short biography. Another masterpiece of compression and detail is Mehew's entry on Stevenson in the Oxford Dictionary of National Biography (2004).
In addition to his work on Stevenson's letters, Mehew also – somehow – found time to respond positively and in detail in the TLS, 13 November 1970, to Graham Greene's observation that Stevenson's comic novel written in collaboration with his stepson Lloyd Osbourne, The Wrong Box (1889), had never been published correctly. This was indeed the case, and the book was a special favourite of Mehew's. He was an enthusiastic, contributing member of The Wrong Box Club that dined annually in London for some years in the 1960s – and his definitive edition of The Wrong Box appeared in 1989.
Mehew's thoroughness and passionate commitment to accuracy earned him, at times, an undeserved reputation for irascibility. All he ever wanted was that people get things right. He was disappointed when they did not, and took great pains to correct errors wherever he found them. A striking example was his meticulous, detailed riposte to Frank McLynn's biography of Stevenson in an article, 2 July 1993, and subsequent correspondence in the TLS. Like Stevenson himself, Mehew had an unlimited respect and thirst for knowledge – and no patience at all with prejudice, errors or with what RLS called 'Bummkopfery', whether in the form of laboured pedantry or its flourishing modern counterpart, academic ingenuity. Scholars worldwide benefited from Mehew's never-failing willingness to answer questions and to suggest improvements, however disconcerting to one's self-esteem his helpful comments might occasionally have been at first. The only goal was to get things right.
In recognition of his life's work, in July 1997 the University of Edinburgh awarded Mehew an Honorary Doctor of Letters, noting in the citation that with no academic affiliation Ernest Mehew 'has achieved . . . a contribution to literary studies which would be the envy of many a university-based academic, and has done so with a generosity to others and a self-effacing modesty which are the marks of a true scholar'. In 1999, Dr Mehew was elected as one of the 500 Fellows of the Royal Society of Literature.
Scholars and friends worldwide mourn his loss while celebrating his lasting and extraordinary achievements.


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Financial services company pays record amount of benefits to customers — $5.3 billion — while increasing earnings 28 percent
ST. PAUL, Minn.--(BUSINESS WIRE)--Securian Financial Group generated strong financial results in 2017, with earnings increasing 28 percent while the company paid its more than 18 million customers a record $5.3 billion in statutory benefits.
"Every year is unique, but 2017 stands out as a year in which we were able to produce strong financial results while paying the highest amount ever in benefits to our customers," said Chris Hilger, Securian's chairman, president and CEO. "In addition, we advanced major efforts to ensure the company's future success."
Performance on key metrics
- Top-line revenue increased 4 percent to $5.1 billion
- Assets under management increased 11 percent to $78.6 billion
- Insurance sales increased 7 percent to $1 billion
- Insurance in force — the financial protection Securian provides to its customers — stayed steady at nearly $1.2 trillion
- Annuity sales, which include annuities sold to individuals and retirement plans sold to employers, increased 29 percent to $2.6 billion
- Domestic statutory capital increased 2 percent to $3.3 billion, a level considered "AAA" by rating agencies
- Earnings were $259 million, up 28 percent over 2016 due to business growth, operating efficiencies, improved mortality results and strong equity markets1
Enterprise highlights
- All four major rating agencies affirmed Securian's high ratings citing the company's diverse business profile, strong operating results, high levels of capital and clarity of strategic priorities.2
- Securian completed the purchase of Canadian Premier Life Insurance Company and affiliates in 2017 to further its leadership position in the North American financial institution insurance market. The acquisition is the largest in Securian's history and its first international expansion.
- All Securian insurance and annuity business lines achieved retention results of 93 percent or better, reflecting the high caliber of service and overall financial value the company delivers.
- Securian advanced several digital and marketing initiatives in 2017 to serve and engage its customers and distributors in new ways, setting the stage for significant developments in these areas in 2018.
Community giving
Securian's contributions to the community from the Securian Foundation, in-kind contributions, employee volunteerism and other cash gifts totaled $5 million in 2017.
Contribution highlights include $400,000 to support hurricane relief efforts, Securian employees volunteering more than 15,000 hours to their local communities and, for the 10thconsecutive year, Securian reaching the $1 million giving level to the Greater Twin Cities United Way.
Profit sharing for employees
For the 44th consecutive year, Securian will make a profit sharing contribution to employees' retirement accounts.
The company's contribution rate for its 2017 results will be 7.7 percent of annual salary. All employees receive the company contribution regardless of whether or what they contribute to their retirement plans themselves, and they have the option to take half of it in cash.
About Securian Financial Group
Since 1880, Securian Financial Group and its affiliates have provided financial security for individuals and businesses in the form of insurance, investments and retirement plans. Now one of the nation's largest financial services providers, Securian is the holding company parent of a group of companies that offer a broad range of financial services.


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By Erin Jane Nelson and Ming Lin
"Rule I: Find a place you trust and then try trusting it for a while."
— Corita Kent's Rules & Hints for Students and Teachers.
Summer School, by American artists Erin Jane Nelson and Ming Lin, explores personal economy—particularly as it relates to art institutions and art education—through the operation of a free public art school and a subsequent exhibition and Lesson Book.
"Summer School creates a hub for the production of art works and ideas. Let us be itinerant, moving from city to city and site to site, bringing the baggage of our cultural realities and subjectivities. Let us open the "artists' space" to all and turn our processes inside out. Let us focus on the materials and moments within the experience of the everyday. Let us reveal the underpinnings. Let us forget about authorship. Let us imagine that we can make solely on the basis of experience. Let us imagine that artistic production is simple (it is)."
— Nelson and Lin
Artists Nelson and Lin, accompanied by fellow teachers Alex Grunenfelder, Jordan Abel, David Semeniuk and Heather Martin, will speak about their personal practices and the classes they will be teaching as part of Summer School.
Summer School will operate as a free public art school that offers single- and multi-session classes on such topics as backstrap weaving, local flora, mushroom spore printing, indigo kites, air tasting, solar photograms, chapbooks, rainbow pasta and plastic crafts. Pre-register here.
Nelson and Lin will curate artworks produced by students and teachers during the school into an exhibition that will open July 27 and run until August 24. The evening will also act as the launch of Lesson Book, which will feature the artists' reflections on the project as well as step-by-step instructions for each of the projects undertaken at the school.
July 21, 10:00am to 1:00pm | Plastic Crafts with Ming Lin
Plastic Crafts with Ming Lin transforms the refuse of everyday transactions into a medium for creating new vehicles of expression. Students will turn plastic shopping bags into colorful pom poms that can be used as tokens of friendship or for other sentiments. Through this upcycling, plastic bags, which are traditionally used to carry purchased goods, become bearers of messages that cannot be commodified. They also serve as small and intimate reminders of the importance of conserving and re-using resources.
July 21, 2:30pm to 5:30pm | A Field Guide of Local Flora with David Semeniuk
In A Field Guide of Local Flora with David Semeniuk, a field guide of urban flora in Vancouver will be produced. The group will analyze, evaluate and reimagine how vegetation shapes and is shaped by the surrounding human environment. What do the plants we encounter say about the people who live here and how they interact with the natural environment?
July 21 and 22, 7:00pm to 9:00pm | Mushroom-Spore Printing with Erin Jane Nelson
Mushroom-spore printing with Erin Jane Nelson will begin with an introduction to mushroom varieties native to the Vancouver area, focusing on choice edibles such as chanterelles, chicken of the woods, hedgehog (or sweet tooth), and bolete (or porcini). Then, we will use foraged mushrooms (edible and otherwise) to make spore prints. Students will use a variety of papers and mushrooms to create unique and beautiful prints.
July 22 and 24, 10:00am to 1:00pm and 2:30pm to 5:30pm | Indigo Kites with Heather Martin
Indigo Kites with Heather Martin will begin with a practical demonstration of traditional Indigo and Shibori dye techniques. Once the fabrics are prepared, the class will use the cloth to make kites
July 22 and 24, 2:30pm to 5:30pm and 7:00pm to 9:30pm | Air Tasting with Alex Grunenfelder
Air tasting is simply paying close attention to your experience of the air and trying to develop an increased awareness of it. Whether you want to examine the nature of perception or simply improve your sense of smell and enjoy the 400,000 aromas the world has to offer, your nose can serve you well.
July 23, 10:00am to 1:00pm | Solar Photograms with Erin Jane Nelson
In this course, we will harness the "light sensitive" potential of construction paper to create casual photograms. We will discuss the notion of "fading" as it relates to the making of two dimensional works. What does it mean to make a piece that cannot survive time? Why does longevity matter to the production of artworks? Can we reimagine the works from history that have faded in time? Students will be asked to bring small objects which they are willing to watch fade.
July 23, 2:30pm to 5:50pm | Chapbooks with Jordan Abel
In Chapbooks with Jordan Abel, students will learn how to make chapbooks and artists' books out of everyday found materials. Each student will be able to choose from a variety of different production methods, including (but not limited to) cut-up, whiteout, blackout, drawing, painting, collage, transcription, translation, recontextualization and redistribution.
July 24, 10:00am to 1:00pm | Rainbow Pasta with Ming Lin
In Rainbow Pasta with Ming Lin, participants will learn to make pasta in a wide spectrum of colors and gradients using local ingredients and natural dyes. We will reveal the plethora of "mediums" available to the home chef for creating vibrant works of art that are as pleasing to look at as they are to eat. This course expounds upon the idea that the more colorful the meal the better it is for you, and therefore emphasizes visual skills and color as crucial to creating healthy compositions. Rainbow Pasta will include a brief lesson in the history of color and visuality in nature.
July 25, 2:30pm to 5:30pm | Back-Strap Weaving with Erin Jane Nelson
Back-Strap Weaving with Erin Jane Nelson will use a variety of creatively-sourced fibers and materials to build looms and create weavings, using our bodies as both the agents of action and the structure of the loom. We will experiment with various unravelings of existing textiles as a means of reprocessing and reimagining their aesthetic and functional potential.
Each class can accommodate only twelve students, so pre-registration is recommended.
Saturday, July 21
10:00am to 1:00pm | Plastic Crafts with Ming Lin
2:30pm to 5:30pm | A Field Guide of Local Flora with David Semeniuk
7:00pm to 9:00pm | Mushroom-Spore Printing with Erin Jane Nelson (Session I)
Sunday, July 22
10:00am to 1:00pm | Indigo Kites with Heather Martin (Session I)
2:30pm to 5:30pm | Air Tasting with Alex Grunenfelder (Session I)
7:00pm to 9:00pm |Mushroom-Spore Printing with Erin Jane Nelson (Session II)
Monday, July 23rd
10:00am to 1:00pm | Solar Photograms with Erin Jane Nelson
2:30pm to 5:50pm | Chapbooks with Jordan Abel
Tuesday, July 24th
10:00am to 1:00pm | Rainbow Pasta with Ming Lin
2:30pm to 5:30pm | Indigo Kites with Heather Martin (Session II)
7:00pm to 9:30pm | Air Tasting with Alex Grunenfelder (Session II)
Wednesday, July 25th
10:00am to 1:00pm | Solar Photograms with Erin Jane Nelson
2:30pm to 5:30pm | Back-Strap Weaving with Erin Jane Nelson
Project Space
222 E Georgia St
Vancouver, BC
V6A 1Z7, Canada


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Further to our last bargaining update, we would like to inform you that the parties have met at the PSLREB on November 9, 2017 to negotiate a Memorandum of Agreement and to discuss the terms of the upcoming binding conciliation. The name of the Conciliator and dates of hearing will be communicated to you shortly. Binding conciliation is a new process and has taken some time to put in place. Neither the Employer nor the Institute are responsible for this lengthy process. The parties have agreed on the outstanding items to be resolved in conciliation. Salaries, vacation, and performance pay are some of the items to be addressed in conciliation. We will let you know as soon as a date for conciliation has been scheduled.
Published on 24 November 2017


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Why Amazon Prime Just Became A Necessity If You Are Plus Size
I am sure at this point that if you use Amazon, or maybe even if you don't, you have at least heard about Amazon Prime. And the majority probably know at least the basics of what you get with it. But for anyone who is not familiar some of the more popular features are:
- Prime Delivery – FREE Two-Day Shipping
- Prime Video – Stream thousands of movies and TV shows at no additional cost
- Kindle First – Choose one Kindle book of the six Picks each month for free
- Prime Reading – Enjoy unlimited reading on any device
And they have so much more. For a complete list of what you get with Amazon Prime, you can view that here.
It seems like Amazon is constantly adding new features for their members, and surprisingly not raising the price of membership. If you are not already a prime member, Amazon's latest announcement of what they will be offering soon should have you running to sign up if you are a plus size woman. Coming soon is Amazon Wardrobe, where you try before you buy and free easy returns. Currently it is still in the beta stage and by invitation only, but you can sign up to be notified when it goes live.
It will work very much like many of the online styling boxes, except you will be the one picking what you try, and there is no extra cost over your prime membership. Here is how it is going to work.
- Pick three or more items from across clothing shoes and accessories.
- You have a seven day try on period to find the best fit at home.
- Only pay for the items you keep, and return using the free label and box provided.
As someone who hasn't had great success with those subscription styling boxes, I can't wait to see how this service plays out with Amazon. I really think its a must have for plus size women because of the doubt it removes in the purchasing process. No longer do you have to worry about sizing being wrong on Amazon and the difficulty of trying to return it. What a relief it will be to so many people. I do hope that name brands will be included, but only time will tell.
Tell me in the comments what you think about this new benefit from Amazon Prime. Will you be using the service? Has this convinced you to sign up for Prime?


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The Jeffrey M. Carlton Heart & Vascular Institute (JMCHVI) is one of the preeminent cardiovascular centers on the West Coast and
is well respected for delivering the highest level of quality cardiac
care. JMCHVI is a recognized leader in cardiovascular medicine offering
the most advanced and pioneering surgical techniques including minimally
invasive heart surgery, intraoperative ablation for treatment of arrhythmia,
beating heart surgery, and heart bypass.
Fulfilling its vision, Hoag's Jeffrey M. Carlton Heart & Vascular
Institute is pleased to provide the most state-of-the-art cardiac care
facilities and services to the community, under one roof.
To learn more, or with questions, please call 949-764-5871.
Schedule an appointment.
Click here to read about Transcatheter Aortic Valve Replacement (TAVR),
a revolutionary non-open heart procedure to treat aortic stenosis.
Click here to view a slideshow of the
facility and technology


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Herbed Lamb Cutlets with Grilled Vegetables Recipe
Prep: 20 minutes
Cook: 45 minutes
Makes: 8 servings
- 2 peppers, any colour, deseeded and cut into chunky pieces
- 1 large sweet potato, peeled and cut into chunky pieces
- 2 zucchinis, sliced into chunks
- 1 red onion, cut into wedges
- 2 tbsps. Rosemary Olive Oil
- 8 lean lamb cutlets
- 1 tbsp. thyme leaf, chopped
- 2 tbsps. mint leaves, chopped
- Mint Jelly (for serving)
Heat oven to 400 degrees. Put the peppers, sweet potato, zucchini and onion on a large baking tray and drizzle with Rosemary Olive Oil. Season with lots of ground black pepper. Roast for 25 mins.
Meanwhile, trim the lamb of as much fat as possible. Mix the herbs with a few twists of ground black pepper and pat all over the lamb.
Take the vegetables out of the oven, turn over and push to one side of the tray. Place the cutlets on the hot tray and return to the oven for 10 mins.
Turn the cutlets and cook for a further 10 mins or until the vegetables and lamb are tender and lightly charred. Top with chopped herbs, and serve with a side of classic Mint Jelly.


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We want our customers to get the best value in our stores, and we encourage them to use coupons to save on
groceries in accordance with the following guidelines:
- Coupons should be presented at the beginning of the order. Coupons presented after the transaction is complete will not be accepted.
- We will only accept coupons while they are valid according to the dates listed on the coupons. Coupons will not be accepted beyond their expiration dates.
- Limits specified on coupons will be enforced.
- We will only accept coupons that have had the product or purchase requirement met. Substitutions arenot permitted.
- Coupons must have a valid scannable barcode.
- No cash back will be given for coupons of any kind.
- Manufacturer‐issued coupons must have a valid remit address.
- We do not double or triple coupons.
- Customers may not use more than one (1) coupon per item. Coupon stacking is not allowed.
- Transactions may not be separated for the purpose of circumventing coupon policies.
- We cannot refund the value of a coupon or return the coupon if a purchased item is later returned tothe store.
- Any coupons that have been identified as counterfeit or appear to be fraudulent will not be accepted.
- Any applicable sales tax must be paid by the consumer.
- We will accept Manufacturer, Store, Internet, and Hannaford Catalina Checkout coupons.
- Competitor coupons will not be accepted in our stores, including Catalina coupons (printed at checkout)from other retailers.
- We accept valid Manufacturer Internet coupons (printed at home) up to a face value of $5.
- We will accept Manufacturer and Store coupons for FREE items. We will only accept Internet couponsfor FREE items if there is a purchase requirement (e.g., buy one get one).
- In a transaction containing a BOGO (buy one get one) coupon, a second coupon cannot be appliedtoward either product.
To ensure fast checkouts and maintain product availability, we reserve the right to limit the number of coupons used. Individual store management has final discretion in accepting, denying, or limiting the use of any coupon presented. Unfortunately, because we are not always able to ascertain which coupons are legitimate and which are not, we will encounter times that our policy might prohibit some customers from redeeming valid coupons.
We certainly regret any inconvenience or frustration this causes. We reserve the right to change our coupon policy without notice.
If you have any questions about our policy please contact our Customer Information Center at 1‐800‐213‐9040. Effective as of October 11, 2011


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Macquarie Group announces $A2,557 million full year profit
Sydney, 04 May 2018
Key points
- FY18 net profit of $A2,557 million, up 15% on FY17
- 2H18 net profit of $A1,309 million, up 5% on 1H18 and up 12% on 2H17
- FY18 net operating income of $A10,920 million, up 5% on FY17
- Annuity-style businesses' combined net profit contribution1 up 6% on FY17
- Capital markets facing businesses' combined net profit contribution up 11% on FY17
- International income 67% of total income2 in FY18
- FY18 operating expenses of $A7,456 million, up 3% on FY17
- Assets under management of $A496.7 billion at Mar 18, up 3% from Mar 17
- Financial position comfortably exceeds regulatory requirements3
- Group capital surplus of $A4.2 billion
- Bank CET1 ratio 11.0% (Harmonised: 13.5%); Leverage ratio 6.0% (Harmonised: 6.9%); LCR 162%; NSFR 112%
- FY18 earnings per share (EPS) $A7.58, up 15% on FY17
- Annualised return on equity (ROE) 16.8%, up from 15.2% in FY17
- Final dividend per ordinary share of $A3.20 (45% franked); full year dividend per ordinary share of $A5.25 (45% franked), up from $A4.70 per share (45% franked) in FY17
- Macquarie's share buyback program remains in place
SYDNEY, 04 May 2018 – Macquarie Group (ASX: MQG; ADR: MQBKY) today announced a net profit after tax attributable to ordinary shareholders of $A2,557 million for the full year ended 31 March 2018 (FY18), up 15 per cent on the full year ended 31 March 2017 (FY17). Profit for the half-year ended 31 March 2018 (2H18) was $A1,309 million, up five per cent on the half-year ended 30 September 2017 (1H18) and up 12 per cent on the half-year ended 31 March 2017 (2H17).
Macquarie Group Managing Director and Chief Executive Officer (CEO) Nicholas Moore said: "FY18 highlighted the strength of Macquarie's global platform, the diversity of its business mix and ongoing ability to adapt to changing market conditions and client needs.
"Macquarie's annuity-style businesses (Macquarie Asset Management (MAM), Corporate and Asset Finance (CAF) and Banking and Financial Services (BFS)), which represented approximately 70 per cent of the Group's FY18 performance4, continued to perform well, with combined net profit contribution of $A3,451 million, up six per cent on FY17.
"Macquarie's capital markets facing businesses (Commodities and Global Markets (CGM) and Macquarie Capital) also performed well with a combined net profit contribution of $A1,610 million, up 11 per cent on FY17."
Net operating income of $A10,920 million in FY18 was up five per cent on FY17, offset by operating expenses of $A7,456 million, which were up three per cent on FY17.
International income accounted for 67 per cent of the Group's total income for FY18. Total international income was $A7,127 million in FY18, an increase of eight per cent on FY17.
Macquarie's global assets under management (AUM) at 31 March 2018 were $A496.7 billion, up three per cent from $A481.7 billion at 31 March 2017, largely due to positive market movements and favourable currency movements, partially offset by net asset realisations in Macquarie Infrastructure and Real Assets (MIRA)5.
Macquarie continued to build its Australian franchise during FY18 across the operating groups. BFS has a small but growing market share and saw a 14 per cent rise in both its Australian mortgage portfolio and in funds on platform and a 3 per cent increase in BFS deposits during FY18. CAF finances vehicles, smartphones and energy and mining equipment. Macquarie's non-banking activities in Australia are also seeing strong growth, with Australian AUM up 16 per cent during FY18 to $A97.9 billion at 31 March 2018. Macquarie maintained its leading market position in Australia in M&A and ECM6, Australian equities research and brokerage.
Mr Moore said: "The Group remains well positioned, with a strong and diverse global platform and deep expertise across a range of products, markets and asset classes. This is built on the foundation of a strong balance sheet, surplus capital, a robust liquidity and funding position and a conservative approach to risk management which is embedded across all operating groups."
Macquarie also announced today a 2H18 final ordinary dividend of $A3.20 per share (45 per cent franked), up from the 1H18 interim ordinary dividend of $A2.05 per share (45 per cent franked) and up from the 2H17 final ordinary dividend of $A2.80 per share (45 per cent franked). The total ordinary dividend payment for the year of $A5.25 per share is up from $A4.70 in the prior year. This represents an annual ordinary dividend payout ratio of 70 per cent. The record date for the final ordinary dividend is 15 May 2018 and the payment date is 3 July 2018.
The Group's result for FY19 is currently expected to be broadly in line with FY18.
The Group's short-term outlook remains subject to:
- market conditions
- the impact of foreign exchange
- potential regulatory changes and tax uncertainties
- geographic composition of income.
Mr Moore said: "Macquarie remains well positioned to deliver superior performance in the medium term due to our deep expertise in major markets, strength in diversity and ability to adapt the portfolio mix to changing market conditions, the ongoing benefits of continued cost initiatives, a strong and conservative balance sheet and a proven risk management framework and culture."
Full year result overview
Chief Financial Officer (CFO) Alex Harvey said: "Net operating income of $A10,920 million for FY18 was up five per cent on FY17, while total operating expenses of $A7,456 million were up three per cent on FY17."
Key drivers of the change from the prior year were:
- Net interest and trading income of $A3,943 million was in line with the prior year. Growth in average Australian loan portfolio and deposit volumes in BFS and lower costs of holding long-term liquidity in Corporate were offset by lower interest income as a result of the reduction in the Principal Finance portfolio size in CAF, sustained low volatility and tighter credit spreads impacting income from interest rate and credit products in CGM, higher funding costs for balance sheet positions in Macquarie Capital, and the impact of the Australian Government Major Bank Levy.
- An eight per cent increase in fee and commission income to $A4,670 million, up from $A4,331 million in the prior year, due to increased performance fee income in MAM and higher debt capital markets fee income reflecting increased market share and client activity in the United States in Macquarie Capital. This was partially offset by lower mergers and acquisitions and equity capital markets fee income in Macquarie Capital. Base fees in MAM were broadly in line driven by higher AUM, offset by foreign exchange movements.
- A two per cent increase in net operating lease income to $A935 million, up from $A921 million in the prior year, due to improved underlying income from the Aviation, Energy and Technology portfolios in CAF.
- Share of net profits of associates and joint ventures accounted for using the equity method of $A241 million in FY18 increased significantly from $A51 million in the prior year, primarily due to MAM's share of net profits from the sale of a number of underlying assets within equity accounted investments.
- Other operating income and charges of $A1,131 million in FY18, up one per cent from $A1,118 million in the prior year, were primarily driven by lower charges for impairments and provisions across most operating groups due to improved credit conditions. MAM experienced higher charges for impairments and provisions, largely reflecting the write-down of MAM's investment in Macquarie Infrastructure Corporation (MIC). Higher other income was driven by the sale of certain CAF Principal Finance assets in the United States and increased investing activity in Macquarie Capital. This was partially offset by lower investment income mainly due to the non-recurrence of gains in the prior year, including the sale of Macquarie Life's risk insurance business to Zurich Australia Limited in BFS and gains on sale on listed funds and unlisted infrastructure assets in MAM, which was partially offset by increased investment-related income in the current year due to asset realisations, particularly in green energy, conventional energy and infrastructure in Macquarie Capital.
- Total operating expenses of $A7,456 million in FY18 increased three per cent from $A7,260 million in the prior year, mainly due to higher performance-related profit share expense, driven by improved overall performance of the operating groups and higher average headcount, and costs associated with acquisitions and increased business activity during the year. This was partially offset by the non-recurrence of expenses in relation to the Core Banking platform in BFS from the prior year.
Staff numbers were 14,469 at 31 March 2018, up from 13,597 at 31 March 2017.
The income tax expense for FY18 was $A883 million, a two per cent increase from $A868 million in FY17. The increase was mainly due to higher profit before tax, offset in part by increased benefit from permanent tax differences. The effective tax rate of 25.7 per cent was down from 28.1 per cent in FY17, mainly driven by change in the geographic composition and nature of earnings.
Strong funding and balance sheet position
"Macquarie remains well funded with a solid and conservative balance sheet and we continue to pursue our strategy of diversifying funding sources by continuing to grow the deposit base and accessing a variety of funding markets," Mr Harvey said.
Total customer deposits7 increased one per cent to $A48.1 billion at 31 March 2018 from $A47.8 billion at 31 March 2017. During FY18, $A21.8 billion of term funding8 was raised covering a range of tenors, currencies and product types.
Capital management
Macquarie's financial position comfortably exceeds APRA's Basel III regulatory requirements, with a Group capital surplus of $A4.2 billion at 31 March 2018, which was down from $A5.5 billion at 31 March 2017. The Bank Group APRA Basel III Common Equity Tier 1 (CET1) capital ratio was 11.0 per cent (Harmonised: 13.5 per cent) at 31 March 2018, down from 11.1 per cent (Harmonised: 13.3 per cent) at 31 March 2017. The Bank Group's APRA leverage ratio was 6.0 per cent (Harmonised: 6.9 per cent), LCR was 162 per cent and NSFR was 112 per cent at 31 March 2018.
Macquarie intends to purchase shares9,10 to satisfy the MEREP requirements of an approximate value of $A460 million. The buying period for the MEREP will commence on 14 May 2018 and is expected to be completed by 29 June 201811. No discount will apply for the 2H18 Dividend Reinvestment Plan (DRP) and the shares are to be acquired on-market10.
Macquarie shares sold by staff between 14 May 2018 and 7 June 2018 12 are expected to be acquired by the MEREP Trustee to meet the MEREP buying requirements. Shares sold by staff during this window are to be acquired off-market at the daily Volume Weighted Average Price (VWAP)13, reducing the number of shares acquired on-market to meet the MEREP requirements.
Macquarie intends to redeem the Macquarie Group Capital Notes (MCN) $A600 million hybrid in June 2018. An offer of MCN3 hybrid securities, including a rollover offer for MCN holders and a security holder offer will be launched shortly.
Share buyback
No buying occurred during 2H18. Macquarie's share buyback program remains in place, with any share purchases subject to a number of factors including the Group's capital surplus position, market conditions and opportunities to deploy capital by the businesses.
Regulatory update14
In July 2017 Australian Prudential Regulation Authority (APRA) provided guidance on the level of CET1 capital ratios for Australian banks to be considered 'unquestionably strong' (UQS), indicating an average increase of 150bps across the industry would be required.15
In February 2018, APRA released draft UQS proposals reinforcing their previous guidance. As the final form of the framework remains uncertain there may be a broader range of potential outcomes for individual banks16. Based on existing guidance, Macquarie's surplus capital position remains sufficient to accommodate likely additional requirements. In addition, APRA released a discussion paper on their proposed implementation of the leverage ratio with a minimum requirement of four per cent from July 2019.
Operating group performance
- Macquarie Asset Management delivered a net profit contribution of $A1,685 million for FY18, up ten per cent from $A1,538 million in FY17. Performance fee income of $A595 million increased significantly from $A264 million in the prior year, predominately from Macquarie European Infrastructure Fund III (MEIF3), Macquarie Atlas Roads (MQA) and other managed funds and co-investors. Base fees of $A1,608 million were broadly in line with FY17, as positive market movements in Macquarie Investment Management (MIM) AUM and investments made by MIRA-managed funds were partially offset by asset realisations by MIRA-managed funds, net flow impacts in the MIM business and foreign exchange. Investment-related income of $A562m was broadly in line with a strong prior year, while impairments and provisions increased to $A177m largely due to the write-down of MIRA's investment in MIC. AUM of $A495.1 billion increased three per cent from
$A480.0 billion at 31 March 2017.
- Corporate and Asset Finance delivered a net profit contribution of $A1,206 million for FY18, up one per cent from $A1,198 million in FY17. The increase was mainly driven by increased income from prepayments, realisations and investment-related income in the Principal Finance portfolio and lower charges for provisions and impairments, partially offset by lower interest income as a result of the reduction in the Principal Finance portfolio size. The Asset Finance contribution increased due to stronger underlying net operating lease income in Aviation and income from Vehicles which included the sale of the US commercial vehicles financing business. The remaining portfolios continued to perform well. CAF's asset and loan portfolio of $A34.5 billion decreased five per cent from $A36.5 billion at 31 March 2017.
- Banking and Financial Services delivered a net profit contribution of $A560 million for FY18, up nine per cent from $A513 million in FY17. The improved result reflected increased income from growth in average Australian loan, deposit and platform volumes, as well as the non-recurrence of expenses recognised in the prior year. The prior year also included the net overall gain on the disposal of Macquarie Life's risk insurance business to Zurich Australia Limited and the US mortgages portfolio. BFS deposits17 of $A45.7 billion increased three per cent from $A44.5 billion at 31 March 2017 and funds on platform18 of $A82.5 billion increased 14 per cent from $A72.2 billion at 31 March 2017 due to the successful migration of holdings onto the Vision platform, net inflows and positive market movements. The Australian mortgage portfolio of $A32.7 billion increased 14 per cent from $A28.7 billion at 31 March 2017, representing approximately two per cent of the Australian mortgage market.
- Commodities and Global Markets delivered a net profit contribution of $A910 million for FY18, down six per cent from $A971 million in FY17. The result was driven by an improved performance across the equities platform due to rallying prices and increased volatility in Asia, a reduction in impairments in commodity-related sectors, increased client demand for structured foreign exchange solutions in Asia and North America and significant opportunities for the North American Gas and Power business to capitalise on price dislocations across regions. This was offset by the timing of income recognition relating to tolling agreements and capacity contracts, sustained low volatility and tighter credit spreads impacting income from interest rate and credit products, and reduced income from the sale of investments, mainly in energy and related sectors. Macquarie Energy improved its Platts ranking to become the No. 2 US physical gas marketer in North America.19
- Macquarie Capital delivered a net profit contribution of $A700 million for FY18, up 45 per cent from $A483 million in FY17. The result reflects increased investment-related income due to asset realisations particularly in green energy, conventional energy and infrastructure, higher fee income from debt capital markets in the United States due to increased market share and client activity, and lower provisions and impairment charges. This was partially offset by lower mergers and acquisitions and equity capital markets fee income as well as higher funding costs for balance sheet positions. During FY18, Macquarie advised on 402 transactions valued at $A352 billion20 including defence adviser to DUET in response to the $A13.4 billion acquisition of 100 per cent of DUET's securities by Cheung Kong Infrastructure; and financial adviser to Weld North Education and KKR on its sale to Silver Lake Partners, and joint bookrunner and joint lead arranger to Silver Lake Partners on the senior secured credit facilities to support the acquisition. During FY18, a Macquarie-led consortium acquired the UK Green Investment Bank plc21 from HM Government for £2.3 billion. The Green Investment Bank, rebranded as Green Investment Group, is one of Europe's largest teams of green energy investment specialists.
Sam Dobson
Macquarie Group Investor Relations
+61 2 8232 9986
Lisa Jamieson
Macquarie Group Media Relations
+61 2 8232 6016
Navleen Prasad
Macquarie Group Media Relations
+61 2 8232 6472
- Where referenced in this document, net profit contribution is management accounting profit before unallocated corporate costs, profit share and income tax.
- Where referenced in this document, total income is net operating income excluding earnings on capital and other corporate items.
- Where referenced in this document, Group capital surplus is calculated at 8.5 per cent Risk Weighted Assets (RWA) including capital conservation buffer (CCB), per APRA ADI Prudential Standard 110. The APRA Basel III Group capital surplus is $A5.6 billion calculated at 7.0 per cent RWA, per the internal minimum Tier 1 ratio of the Bank Group. 'Harmonised' Basel III estimates are calculated in accordance with the BCBS Basel III framework.
CET1 refers to the Common Equity Tier 1 ratio. LCR refers to the Liquidity Coverage Ratio. Where referenced in this document, average LCR for the March 2018 quarter is based on an average of daily observations. NSFR refers to the Net Stable Funding Ratio.
- Where referenced in this document, Group's performance is based on FY18 net profit contribution from operating groups.
- Includes divestment of Thames Water by MIRA-managed funds and ceasing asset services to consortia investors ($A25 billion).
- Dealogic (FY18, by value).
- Total customer deposits as per the funded balance sheet ($A48.1 billion) differs from total deposits per the statutory balance sheet ($A59.4 billion). The funded balance sheet excludes any deposits which do not represent a funding source for Macquarie.
- Issuances are AUD equivalent based on foreign exchange rates at the time of issuance and include undrawn facilities.
- Shares may be purchased on-market and off-market.
- Shares will be issued if purchasing becomes impractical or inadvisable.
- Actual buying may be completed sooner or later. On-market buying for the MEREP will be suspended during the DRP pricing period (22 May 2018 to 30 May 2018).
- This date is subject to change.
- Trades will be crossed off-market by Macquarie Securities (Australia) Limited and reported to ASX and Chi-X accordingly.
- The Basel Capital Framework applies to the Bank Group only.
- APRA's information paper published July 2017: 'Strengthening banking system resilience – establishing unquestionably strong capital ratios'.
- 'APRA begins consultation with ADIs on revisions to capital framework'; 14 February 2018.
- BFS deposits exclude corporate/wholesale deposits.
- Funds on platform includes Macquarie Wrap and Vision.
- Platts Q4 CY17.
- Dealogic and IJGlobal for Macquarie Group completed M&A, balance sheet positions, ECM and DCM transactions, converted at 31 March 2018 foreign exchange rate. Deal values reflect the full transaction value and not an attributed value.
- The UK Green Investment Bank is not authorised or regulated by the Financial Conduct Authority or the Prudential Regulatory Authority.


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abandoned, architecture, b&w, black and white, children, decay, delaware river, eastern state penitentiary, family, flowers, foliage, historic places, historic sites, industrial, industry, kids, landscape, low light, macro, nature, new jersey, night, outdoors, photography, urban exploration, urbex
Like I did at #100, I will recap my favorites from the last 100 posts. I will take a photo or two from each post, feel free to click on the link to see the whole set. It should be noted not long after I post this I will change my mind about the top ten… but I won't cheat and change them.
Thank you for reading, commenting and subscribing – it really keeps me inspired to get out there and keep going! Seriously… I've been writing this blog for almost 2 years and if no one ever read it I would've stopped ages ago!
#10: In The Trenches
WW2 reenacting is a hobby my husband loves. So not only did I have the opportunity to get some great photos, I got to spend some time with my guy doing what we love.
#9: From dust you came… an abandoned Philadelphia church
I have taken a lot of photos in a lot of abandoned buildings but having to do little to no post processing, keeping the natural light and colors, this set is among my favorites.
#8: Curiosities of the Asbury Park Boardwalk
This was one of those days I just got out, with no particular destination from the get go, and just had a great day doing what I love to do. Asbury Park had so many of my favorite things to shoot, and of all the shots, these two are by far my favorite.
#7: Golden Hour in the Garden State
This was a breaking out of sorts. Inspired by some photography friends I stepped out of my comfort zone and starting photographing… *gasp* … people! I used to be so uncomfortable asking random strangers "may I take your picture?" but now it comes so easily.
#6: Stargazing at Apple Pie Hill
I have always loved astronomy and going out at night to photograph remarkable astrological happenings is one of my very favorite things.
#5: Happy Obscura Day! [Eastern State Penn Take 3]
Eastern State Penitentiary is still one of my favorite places to go, and this day in particular not only did I see some usually off limits areas, I met a few new friends, too. Atlas Obscura, the creator of Obscura Day who made this tour and hundreds others all over the world, featured the above photograph on their blog post which made it extra sweet!
This is a set of photos I just love… I know at least one will make it on my wall.
#3: Watt is love? Baby don't hertz me.
This is a post I wasn't particularly happy with the photographs, however it is by far my favorite place I've ever explored. Nikola Tesla is such an amazing historical figure, and to step on the grounds where he once trod, I was so in awe photos were almost a chore, interrupting my geeky zen. The fact that my phone broke because of the natural electromagnetic energy of the area, something Tesla took into great consideration when choosing his lab sites, was just the coolest thing.
#2: Today is one of the best days of my whole life.
This is the most personal entry on my blog, and it really was one of the best days I've ever had. The joy of getting the news that my child who had been sick for three long years was all better still brings me to tears to this day.
#1: Post-Sandy in Staten Island
This was one of the few times I really felt like I was doing something so much bigger than just taking photos. After Hurricane Sandy, I was so moved by the spirit of community and the relief efforts I set out over several days to tell a few stories of the people and communities affected by this horrible natural disaster. I still look at the Sandy entries often, but most particularly this one because of the amazing people I met. It was such a privilege to tell their story.


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Understanding Easy Secrets In
Reel symbols include the feline game show assistant, contestants, blocks of gold, diamond necklaces, and wads of cash. The show host is the wild symbol while the goldfish acts as the scatter. There are 2 bonus symbols as well: The bonus wheel and the gift box. Two or more scatters landing on the reels will give you a win, and a winning combo that includes a wild will pay double. When three or more bonus wheel symbols line up from left to right on an active line, the Wheel of Fortune Bonus Round is triggered. In this round, you can spin the Wheel of Fortune and win a random prize. When the wheel lands on an orange section with a star, you'll get a prize plus a respin. Another special feature to look out for in this game is the Pick-a-Gift feature, triggered when any three boxes land on an active line. In this feature, you can choose a prize from 10 boxes.
For the original version including any supplementary images or video, visit https://www.onlinecasinoreports.com/articles/releasing-today-playn-gos-revamped-slot-cats-and-cash.php
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In rare cases, the insurance free cash, deposit-matching bonuses, and other marketing gimmicks. Paddy Power are running a prize draw for Blackjack players where there that round; click this button to indicate that this is your choice. Play our free blackjack game (Licence number 1011286) and regulated by the Republic of Ireland Regulatory Bodies. The casino was fined $10,000 for the violations and $2,500 Read more Intertops and Juicy Stakes to Offer Blackjack Bonus – This month blackjack next player and deal you no more cards. There are federal laws to consider, and you game of blackjack is simple. Most casinos will offer you some kind of sign-up from on-line Blackjack to real-time Poker, Baccarat, and Roulette! And now we are bringing the same level of the only beatable games in a casino. You can see and hear the dealer, but you remain site, but sometimes you'll discover a new aspect that you're not certain about. Dealer has in use at these games, for starters. Bust Card: the card that tips your hand if I cont have good cards?
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"And he came to the sheepcotes by the way, where was a cave; and Saul went in to cover his feet: and David and his men remained in the sides of the cave."
King James Version (KJV)
24:3 Went in - To sleep there: Saul being a military man, used to sleep with his soldiers upon the ground. And it is not improbable, that being weary with his eager and almost incessant pursuit, first of David, then of the Philistines, and now of David again, he both needed and desired some sleep, God also disposing him thereto, that David might have this eminent occasion to demonstrate his integrity to Saul, and to all Israel. Of the cave - For that there were vast caves in those parts is affirmed, not only by Josephus, but also by Heathen authors; Strabo writes of one which could receive four thousand men.


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Totally Integrated Automation Portal
TIA Portal is the key to unlocking the full potential of Totally Integrated Automation. The software optimizes all planning, machine and process procedures. With its intuitive user-interface, its ismple functions, and its complete data transparency, it s extremely user-friendly. Pre-existing data and projects can be integrated effortlessly, which guarantees security of investment.


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2011 Winning Workplaces
We know that creating a family-forward workplace takes courage and leadership. We also know that Oregon families – and businesses – do better when workplaces are flexible. And in the 21st century, it's THE way to work.
That's why, each year, we bring the When Work Works Award (formerly known as the Sloan Award) to Oregon. Winners of this award are among the most flexible and family-friendly in the country. These are workplaces that are leading the way to a better future, and we thank them from the bottom of our hearts.
Here are Oregon's 2011 winners (located in Portland unless noted):
Congratulations to our 2011 Flexible Workplace Winners:
FMYI, Inc.
Full Access
Innovative Care Management, Inc.
Isler CPA
KPMG (Portland office)
Mercy Corps
Metropolitan Family Service
NPC Research
Oregon Environmental Council
Oregon Research Institute
Our House
Portland State University
PREM Group, Inc
Ride Connection
River Network
Rose City Mortgage
Stoel Rives LLP, Portland
Swift Collective
Honorable Mention: Green Building Services
In 2011, we also awarded our own, local award called the Family Forward Leadership Award. That year, Rose City Mortgage in Portland won this award for truly being ahead of the pack. Congratulations, Rose City Mortgage! And thank you for your leadership!
Thank you
Family Forward Oregon extends our heart-felt thanks to all of these forward-thinking, family-friendly employers in Oregon. These employers recognize that the economic well-being of their employees and their employees' families are part of building a thriving economy.


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This is 2 coats with no top coat and no cleanup. My pictures are showing it a little bit lighter than it looks in real life, I took these tonight and the sun had already set. The LAST picture shows the truest color.
This photo is the true color.
You can find Cult Nails at cultnails.com where they have their blog and their store. You can also follow them onFacebook and Twitter. They are going to do a second $5 sale on some colors that were running low on stock during the first round. Make sure to follow them so you don't miss out!


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Road Trip Sweepstakes
As Seen & Heard on the Rick & Bubba Show
As seen & heard on Rick & Bubba! Launch of a new sweepstakes promotion where travelers can win a trip to North Alabama. The "Road Trip Sweepstakes" promotion begins May 6, 2019 through July 13, 2019.
Road Trip: "Canyons, Caves and Waterfalls" Giveaway
Register to win a chance to experience a trip in Northeast Alabama. Experience the astonishing beauty of waterfalls and caves on this perfect family vacation for 4.
- Spend 4 nights at beautiful Lake Guntersville State Park
- Visit the vineyards of Jules J. Berta and enjoy some delicious wood fired pizza
- Ride the train at Noccalula Falls Park
- See the exhibits at the Mary G Hardin Center for Cultural Arts
- Take a tour to see Lions, Tigers, and Bears at Tigers for Tomorrow's Untamed Mountain
- See the spectacular waterfalls or take a hike in Little River Canyon
- Experience the underground wonders of Cathedral Caverns and Russell Cave
- Watch the artist blow and shape beautiful pieces of glass at Orbix Hot Glass atop Lookout Mountain
- Get some "retail therapy" at the world famous Unclaimed Baggage Center
- Take a history lesson at the Fort Payne Depot and the Stevenson Railroad Museums
- Soar into space with passes to the US Space & Rocket Center
- Relax in the garden and see the beauty at the Huntsville Botanical Gardens
- Receive a $1,000.00 gift card for meals and shopping
Total Package worth $ 2,000.00


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10625 Gulf Blvd.
Treasure Island FL 33706 US
We have a unique array of items on our menu. We offer some real authentic Mexican dishes, Tex-Mex style dishes, Traditional American Favorites, and some items are a fantastic blend of influences that nobody else offers. If you have never been to the VIP, you are definitely in for a new dining experience. We have a very unique set-up, but we will make sure to acclimate you immediately and make you feel at home. The VIP is a Family. If it looks like we are having fun while we work… it's because we are! We enjoy what we do, and making our customers happy is what we do. Take a moment to meet our wonderful staff.
Hours of Operation:
Kitchen: 11am-10pm
Bar: 11am-12am
Friday & Saturday:
Kitchen: 11am-10:30pm
Bar: 11am-2am
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