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KEYNOTE: Emmy® Winning Producer Marcia Mule'
The Women Survivors Alliance is proud to announce Six-time Emmy® Award Winner and Executive Producer Marcia Mule' will speak at SURVIVORville 2017.
Marcia was Head of Programming at Engel Entertainment where she was involved in the company's programming and development slate. Marcia's clients included VH-1, Discovery, Lifetime, Animal Planet, Cooking Channel and Bravo. Prior to joining Engel, she was Head of Programming for True Entertainment, where she oversaw Bravo's Real Housewives of ATL for two seasons, Style Network's Whose Wedding is it Anyway? and Logo's The A-List New York. In 1997, Mule' co-founded Picture This Television, the company behind such hits as Celebrity Poker Showdown Emmy® Award-winning Kathy Griffin: My Life on the D-List, both for Bravo. Over the past decade, Marcia has garnered relationships and produced for networks such as Bravo, TLC, Lifetime, Vh1, Discovery, Animal Planet, Food Network, HGTV, Logo, Oxygen, WeTV and PBS.
Marcia and WSA's Karen Shayne met this past spring and together with the production team of Artifact Creative, rebranded and prepared My 2nd Act: Survivor Stories from the Stage for television. Marcia now serves as Executive Producer with Karen and travels with the stage show around the country.
SURVIVORville will be held in Nashville, Tennessee in 2017 and is free to survivors. This year's theme is "What's Your Story?" Marcia will speak of her incredible experiences behind the camera and how her life has been changed by the dramatic stories she has produced. She will also speak on the importance of survivors sharing their stories and how YOUR story can encouraging others to make a difference in the lives they touch. Marcia will also create an opportunity for one-on-one conversation and "coaching" opportunities within the breakout sessions offered at the 2017 event.
KEYNOTE: International Speaker, Peace Muse and Terrorist Survivor Linda Ragsdale
Author, illustrator and international speaker/teacher Linda Ragsdale shares how the powerful skills of View, Voice and Choice can lead people through the more challenging parts of their lives with a peaceful and productive outcome. As a survivor of the 2008 Mumbai terrorist attack, her physically devastating wound validates her message of empathy and compassion over retaliation or resentment. Her work in peace education has led her around the world, empowering over 30,000 students to see and speak with a new voice, and an expanded capability of choice. These same tenets of peace offered her a safe journey through breast cancer, finding treasures within the moments of darkness. Whether the terrorist comes from outside or within, Ragsdale believes peace offers a balanced journey through every challenging event.
Currently, The Peace Dragon is her vehicle to bring peace to the world, though it isn't her first entrepreneurial adventure. As a designer, her first design company won her three awards for her novelty in design and manufacturing from the Point of Purchase Advertising Institute. With a kick of her foot, Ragsdale turned a moment of anger into a patented pop-up display design. Expanding her view from design and production, her second venture, a marketing and manufacturing firm, created the first video retail sweepstakes kits with scratch and win cards and awardable prizes. Her third company took triple-layer cardboard out of the food industry and into home décor products. Her fun and funky designs caught the eye of publishers, giving her vision a voice.
She penned how-to articles in a variety of craft and home décor magazines and her first book, Creative Cardboard: Making Fabulous Furniture, Amazing Accessories and Other Spectacular Stuff (Lark Books, 2002). This led to demonstrating art techniques on cable craft television shows. Her decorating techniques challenge people to look beyond standards to break the barriers of thought and design to create. Ragsdale proves office supplies; kitchen utensils and toys are viable options as brushes and tools. She encourages people of all ages to own the artistry of their lives, redefining mistakes as explorations of the path to learning. In her five book drawing series, The Amazing Step-by-Step Art Card Studio (Lark Books, 2007-8) she uses the familiar strokes of letters, punctuation and numbers allowing everyone to feel the power of their art and creation through their own signature style.
Every path of her career supports her current work, which has bloomed in her first picture books, Words and Not Opposites (Both Flowerpot Press, 2016) for her Peace Dragon Series. The books present the first two powers of teaching peace, View and Voice. Words expands the idea of teaching basic words to include understanding the power of their intention, and their ability to encourage, inspire and comfort not only the people around them, but themselves. Not Opposites breaks the polar mindset of teaching opposites by presenting a view and understanding that supports and promotes diversity, allowing a child to find their place and accept others. Each story is part of a living curriculum where conflict management skills can be applied whenever an issue arises.
KEYNOTE: Dr. Michael Burcham, CEO Narus Health
SURVIVORville welcomes Dr. Michael Burcham, CEO of Narus Health to the stage for an incredible delivery of the importance of sharing your story to help others draw strength to inspire.
Michael is an entrepreneur, investor, and healthcare strategist with over 25 years' experience leading technology-enabled healthcare organizations. Michael currently serves as CEO of Narus Health, an organization focused on disrupting the care management experience for patients and families facing serious medical illness.
Most recently, Michael was the founding President and CEO of the Nashville Entrepreneur Center, serving in that capacity from 2010-2015. His work helped drive Nashville's entrepreneurial growth and was honored by President Obama as a "Champion of Change" for his mentoring of young entrepreneurs in 2012.
Michael served as the Co-Chair of the National Advisory Council on Innovation and Entrepreneurship for the U.S. Secretary of Commerce from 2014-2016. He also served as the Chair of the Global Advisory Board on Entrepreneurship, King Faud University, Kingdom of Saudi Arabia. He founded Start-Up Tennessee in 2011, a key partner for the Start-Up America Initiative.
Prior to launching the Entrepreneur Center, Burcham worked with Blue Cross Blue Shield of Tennessee to create Onlife Health – a health and wellness firm based in Nashville from 2008-2010.
From 2000-2007, Michael served as President of ParadigmHealth. ParadigmHealth specialized in the management of clinically complex patients and was sold to Alere in 2007.
Previously, Michael was President and Founder of Theraphysics, a venture-backed, specialty rehabilitation firm. Theraphysics was acquired by Beverly Enterprises in 1998. Prior to founding Theraphysics, Michael worked for Hospital Corporation of America (HCA) as Vice President of Managed Care for Centennial Medical Center.
Michael is on faculty at Vanderbilt University where he teaches Healthcare Innovation and Launching New Ventures in the Owen Graduate School of Management.
Michael began his career in healthcare in 1983 after graduating from the University of Mississippi Medical Center. Michael also holds an MBA from Belmont University and a Doctorate in Health Administration from the Medical University of South Carolina.
Keynote: Olympic Gold Medalist and World Champion Scott Hamilton
The most recognized male figure skating star in the world, Scott Hamilton has won 70 titles, has been inducted into the United States Olympic Hall of Fame and the World Figure Skating Hall of Fame, and has received an Emmy Award nomination.
He captured the world's attention 30 years ago with Olympic Gold performances in Saravejo. And today he inspires as a speaker, philanthropist, and cancer survivor.
Among his many accomplishments, Hamilton placed 5th in the 1980 Olympics, World Champion (1981-1983), individual Gold at Skate America (1981), Male Athlete of the Year (1981), Olympic Spirit Award (1984), the Jacques Favart Award as the first solo male figure skater recipient (1988), induction into the United States Olympic Hall of Fame (1990) and privileged member of the World Figure Skating Hall of Fame (1990).
As an author, Scott received notable critical praise for his New York Times best-selling autobiography Landing It, an intimate, candid and insightful look at his professional and personal life on and off the ice. His inspirational book, The Great Eight, was released in January 2009.
Celebrating the thirtieth anniversary of his Olympic Gold in 2014, Scott continues to share his love and enthusiasm for ice skating as commentator for key competitions including Nationals, World's and the Olympics. He's also tested his acting skills with film and television projects including Blades of Glory.
Along with having been a speaker at the inaugural SURVIVORville 2013, Scott participates in a wide variety of charitable events, including his own Scott Hamilton C.A.R.E.S. Initiative (Cancer Alliance for Research, Education and Survivorship) through the Cleveland Clinic Taussig Center in Cleveland, Ohio, and Provision Healthcare Foundation in Knoxville, TN. He promotes his websites Chemocare.com and RadCare.org (in conjunction with CARES), his patient mentoring program The 4th Angel Network, and serves on the Board of Directors for Special Olympics International, and Monroe Carell Jr. Children's Hospital at Vanderbilt University.
SPECIAL HONORARY GUEST: 14-Year Old Jessica Meyer
Look out SURVIVORville! Jessica has entered the building! Nope, she's not your average 14-year old. In fact, she's an extraordinary kid who beat the odds and is now dedicating her life to giving back.
It all started on a Sunday afternoon in September 2013 when Jessica Meyer, then 11 years old, visited her local Walmart in Nashville, TN. Playing around with a new blood pressure/vision machine in the pharmacy, Jessica noticed she couldn't see out of her right eye. That prompted a visit to her doctor and so began a barrage of tests. Since that fateful day in the Walmart, her life would never be the same. It was brain cancer and she needed immediate surgery. The tumor was also resting on her pituitary gland affecting her growth. She spent almost a year going through treatments and fighting this life-threatening disease. And in her own words, she "kicked cancer's butté." And through all of this, she finished the 5th and 6th grade on schedule and didn't skip a beat.
Now, she's an ambassador for childhood cancer and with over 100 events, fundraisers, and media opportunities, this energetic, pint-sized powerhouse uses her vibrant personality and wisdom to travel the country to inspire others. While at home, she's just a normal, ordinary gal with two dogs, schoolwork, dance, classmate parties and yes, monthly brain scans. If it isn't enough that she had her own fight, now her goal is to start her own non-profit organization to help other families going through the same thing. Now completing her debut on New Focus Networks "Positively Jessica" watch those cameras as this young girl takes SURVIVORville to the next level as an ambassador of survivorship. You won't be able to keep up as Jess will prove this weekend she can turn anything she touches, even cancer, into a party of one – or in this case – a party of hundreds!
Michele Pillar, Author, Speaker, Singer and 3-Time GRAMMY and DOVE Nominee
Michele Pillar has a testimony that everyone who has ever needed help to overcome anything should hear!GrammyOne of the most cherished voices in Christian Contemporary Music, Michele Pillar is joining the speaker stage at SURVIVORville.
Michele's strong name recognition from her CCM accomplishments and many #1 radio hits in the 80's and 90's may be the bedrock of her fan-base but is not what she's leaning on to carry her new book, Untangled (BroadStreet Publishing) to the world. With sold out speaking engagements and Women's Conferences nationwide, women are resonating with the people on a deeper level than music can reach. Michele is talking people's language and speaking into the real world they live in. Her honesty, humor and music on stage breaks through the fear of "getting real" with yourself and letting go. And how she does it? Well….with a CLOTHESLINE! You will NOT want to miss this mainstage presentation!
Sara S. Skillen, CPO®, Evernote Certified Consultant, and Organizer Coach
Sara is the owner of SkillSet Organizing based in Nashville, TN. A former educator, musician and paralegal, Sara has worked in just about every kind of setting you can imagine – from a converted janitor's closet, to a cubicle in a huge corporation, to telecommuting from her home office. She founded her company in 2012 when she realized that she could combine her love of teaching and organizing to help people from all walks of life manage their stuff, time, and technology. Sara has earned Level I Certificates in Chronic Disorganization, Basic ADD, and Time Management & Productivity from the Institute for Challenging Disorganization, and has completed the foundation coursework to become a Certified Organizer Coach. She is a member of the National Association of Professional Organizers (NAPO), and currently chairs the NAPO Awards & Recognition committee. She has led Empowerment Sessions at both the 2013 and 2014 SURVIVORville events, and is thrilled to be returning this year. An active blogger and speaker, her tips and ideas have been featured in Fast Company, Enterpreneur, Angie's List Experts, Living Inspired with Karen Shayne, and NOU Magazine, as well as her own blog "Sorting Through the Haystack".
Wendy Ann Payne, CSA, CEP®, Founding Partner, Centurion Wealth Management
Wendy Ann Payne is a Founding Partner of Centurion Wealth Management, an independent wealth management firm and also a cancer survivor. Her desire to create Centurion Wealth came from her passion for helping clients gain financial independence and personal empowerment through insight, experience and education. She long dreamt of building a wealth management firm that provides holistic financial planning and investment guidance while striving to empower clients through financial education. Today, that vision is full of life.
During her 17+ year tenure in the wealth management industry, family tragedies have personally touched Wendy's life. What grew from this was a passion to educate and help others going through a life calamity and other stages of life. Through her desire to address women s financial planning needs, Wendy created Life Stage Transitions and Financial Independence for Women, comprehensive financial literacy programs and workshops. She also leads Centurion s Women, Wine and Wisdom initiative, educational seminars geared toward the financial planning needs of women. Through financial education, Wendy s goal is to empower women and revolutionize the way women navigate their ever-changing financial landscape. Wendy specializes in working with women; newly-independent women, widows, divorcees and other women who suddenly find themselves solely responsible for making financial decisions for the first time. In 2011 she co-authored her first book, The Retirement Success Solution & Lessons I Learned from the Past Bear Market, where she wrote about the retirement planning challenges that are unique to women and the importance of financial planning. Wendy is a Certified Senior Advisor, CSA, Wealth Management Advisor, and Life Stage Transition Specialist. Wendy currently holds her FINRA series 6, series 7, series 63, series 65, Life and Health insurance licenses.
Rhonda Smith Hicks, Entrepreneur and Founder, Project SHE
Rhonda is a wife, mother of two, corporate IT professional, entrepreneur and lymphoma cancer survivor. She is originally from New Jersey, however, has called North Carolina home for the past 25 years. Rhonda
holds a degree in Business Administration Management from Meredith College. Her corporate career has been in the fields of telecommunications and IT, primarily focusing on project, account, and personnel management. In November, 2009, Rhonda launched her first entrepreneurial venture – Amazing Grace Event Management. Over the past six years, she has had the opportunity to plan and manage events spanning from milestone celebrations and weddings to small business and large corporate tradeshows on both a national and international scale.
Rhonda is an active member of her community. She is the president of the Raleigh-Durham Chapter for the National Association for Professional Women (NAPW), which is the largest women's networking organization in the country, with over 600,000 members nationwide. The NAPW, whose president is Star Jones, also includes a nonprofit organization that supports four organizations – Dress for Success, The American Heart Association, Girls Inc. and the Breast Cancer Research Foundation – all of which are important for today's women. She is a member of Delta Sigma Theta Sorority, Incorporated, whose main thrusts are Sisterhood, Scholarship and Service. Rhonda is also a Sunday school teacher and member of the Youth Ministry Leadership Team at her church. When Rhonda is not busy taking her daughter to Girl Scouts or cheering on her son at his basketball games, she loves to travel and spend time with her family. She enjoys hosting gatherings at her home to bring family and friends together for food, fun and fellowship! Her latest venture, Project She™, is her personal passion. Because she lives the life of a busy wife, mommy and business woman, Rhonda understands the challenges and stressors that can be overwhelming on a daily basis. This project was born out of those experiences and it is her hope this forum will serve as a place for women to support one another in the name of encouragement and positivity through the powerful bond of womanhood.
Dr. Altovise Ewing, Genetic Counselor at Cancer Treatment Centers of America® (CTCA)
Dr. Altovise Ewing is dedicated to helping patients navigate genetic information and integrate it into their decision-making about their treatment. Dr. Ewing earned her Bachelor of Art in Biology at Rhodes College in Memphis, Tennessee, in 2005. After teaching middle school science with Teach for America for two years, she returned to academia. Dr. Ewing completed her Doctor of Philosophy in Genetics and Human Genetics, specializing in Genetic Counseling, at Howard University in 2011.
As part of her training, Dr. Ewing completed summer internships in genetic counseling at the National Human Genome Research Institute and the National Cancer Institute. She provided genetic counseling services to patients at Walter Reed Military Medical Center in Bethesda, Maryland, and other regional health care facilities.
From 2012 to 2014, Dr. Ewing was a Postdoctoral Research Fellow at the Bloomberg School of Public Health at Johns Hopkins University in Baltimore. Dr. Ewing's postdoctoral research focused on genetic counseling, public health genomics and cancer health disparities. Her work focused on the inclusion of diverse patient populations in cancer research and developing educational approaches for patients and families.
Dr. Ewing is a member of the Genetics Forum Policy Committee of the American Public Health Association, the American Association for the Advancement of Science and the National Society of Genetic Counselors, among other professional organizations and advisory committees. She has presented her research at national conferences and published her research in medical journals and popular magazines.
Dr. Ewing joined CTCA in October 2014. She provides on-site cancer genetics education to our clinicians and offers genetic counseling to patients who may have a hereditary predisposition to cancer.
Elaine Smith, MS, LMFT
Mind Body Therapist
Cancer Treatment Centers of America/Southeastern Regional Medical Center
With over 30 years of experience as a licensed marital and family therapist, Elaine Smith, a mind-body specialist at Cancer Treatment Centers of America (CTCA) at Southeastern Regional Medical Center (Southeastern), truly believes that there is more to healing than traditional medicine. Smith holds a master's degree in marriage/family therapy from Purdue University, and a bachelor's degree in psychology. Throughout her career, Smith has worked in both private practices and hospital settings. Using a systems approach to therapy, she focuses on interpersonal relationships, whether that means a family, a couple or a patient's interaction with a friend or caregiver. Most recently, Smith managed a clinical private practice focusing on individual, marriage and family therapy, as well as crisis intervention and individual therapy. Prior to that, she was the director of a mental health counseling center at a community-based hospital in Indiana. In that position, Smith worked collaboratively with the medical staff to provide therapeutic support and wellness-interventions for cancer patients and caregivers. In her role with CTCA, Smith sees herself as a listener, as well as a generator of ideas, behaviors and attitudes that can help augment the medical process. She aims to provide CTCA patients with positive energy and guide them to treatments that may help them feel physically, spiritually and emotionally better.
Kim Randolph, MSN, FNP-BC
Integrative Medicine Nurse Practitioner
Cancer Treatment Centers of America/Southeastern Regional Medical Center
Kim Randolph has been a nurse practitioner since 1998, providing care for a diverse population, from chronically ill patients of all ages to college students and their families. Randolph has a Bachelor of Science in Nursing, which she received from the University of Tennessee in Knoxville in 1995. She worked as registered nurse at hospitals in Tennessee between 1995 and 1999 while completing her Master of Science in Nursing at the Vanderbilt University in Nashville in 1998. Randolph was a nurse practitioner in Tennessee, South Carolina and Texas from 1998 until joining CTCA. At CTCA, Randolph works in the Quality of Life Department, where she cares for patients with a range of conditions. Her goal is to treat the medical symptoms of her patients while making them as comfortable as possible. Randolph is board-certified by the American Academy of Nurse Practitioners and the American Nurses Credentialing Center. She is trained in Advanced Cardiac Life Support and is a member of the American Academy of Nurse Practitioners.
Crystal Langlois, RD, CSO, LD
Clinical Oncology Dietitian
Cancer Treatment Center of America/Southeastern Regional Medical Center
Board certified in oncology nutrition, Crystal Langlois has been working in the field for more than a decade. A clinical oncology dietitian with CTCA at Southeastern Regional Medical Center, Langlois's interest in nutrition therapy for patients fighting cancer began during an internship, where one of her rotations included working with oncology patients. Crystal Langlois earned a bachelor of science degree in nutrition and dietetics from the University of Southern Mississippi in Hattiesburg. Prior to joining CTCA, she was a registered dietitian at various hospitals throughout Mississippi, and also worked as a consulting dietitian at a community living center. She is a member of the Academy of Nutrition and Dietetics (formerly the American Dietetic Association), Mississippi Dietetic Association and Oncology Dietetic Practice Group.
Mary Stodola
WSA Celebrity Chef
Chef Mary, a breast cancer survivor, attributes her love of cooking to the many happy hours she spent as a young girl in the kitchen with her mother. Of Czechoslovakian background, Stodola grew up creating everything from, homemade soups, potato dumplings and fresh raspberry kolachky.
Although she spent years working in the corporate world, she always dreamed of a profession in the culinary field. Following her heart, she left her successful career to receive formal culinary training. Interning in Chicago, Paris and Scottsdale, Arizona, Chef Mary is prepared to help you indulge in one of life's most basic pleasures: enjoying fresh, healthy food without spending hours in the kitchen!
She looks forward to delighting your palette with a wonderful array of mouth-watering treats. She believes food should be fun, fresh and nutritious. Whether your taste entertains a meat and potatoes diet or a menu of salmon 'en croute, she will provide you with a culinary celebration of "really good food," and teach you how to bring that celebration into your own kitchen. Chef Mary believes there are no bad foods, only bad diets. As she leads you through the culinary journey; she'll teach you how to find joy in cooking and improving your food choices.
Providing delicious food and cooking excitement is a labor of love. Summing up that love, she quotes her favorite chef, Julia Child: "Food is so delicious ― it should taste absolutely beautiful, and there's no reason you can't eat a healthy, fine diet that's absolutely delicious. A lot of people don't know what really good food is supposed to taste like." Today Chef Mary is a personal chef, culinary teacher, consultant and a freelance writer. She is also a cancer survivor. She moved to Tennessee from Scottsdale, AZ in 1999, to be Culinary Director for Viking Culinary Arts Center in Franklin, TN; in 2004 Culinary Consultant to Shop At Home Network (a division of The Food Network) and has served celebrities Emeril Lagasse, Bill Cosby, The Judd Family, Dave Ramsey, Governor of Tennessee, Brown-Forman, West Tennessee Women's Health Conference, St Thomas Women's Health Services, Nashville Chamber Orchestra and Tennessee Performing Arts.
Laura Mac
Survivor Designer
Laura Mac Jeffers, a.k.a. Laura Mac is bringing a new and interactive twist to SURVIVORville in 2017 with a little survivor design!
YouTube's "Survivor Designer" Laura Mac is 4-year breast cancer survivor and like most women with breast cancer, she's got something to get off her chest! Cancer. Yep, CANCER.
On Valentine's Day of 2013, Laura got engaged to the man of her dreams. The day after that, she had her first mammogram to get peace of mind about a lump found while showering. A week later, she got the diagnosis. Breast Cancer.
Treated at Cancer Treatment Centers of America in Atlanta, after 4 surgeries in 2013, she was more than happy to get a free upgrade to 2.ohhhhhh just in time for the wedding! After making a promise to God to share her success story in hopes of encouraging others to take charge of their health to avoid this situation, Laura has made it known she has found the key to getting through cancer has been to get ahead of it. She has come to learn that everything happens for a reason. Everything.
Now, she's taking back her first, ahem..second love – design. After a run on TLC's Flip That House, Laura Mac took to YouTube with Survivor Designer, taking over DIY projects like she did cancer – head on and one step at a time. Her philosophy? "Inspiration plus motivation equals gratification." Now, Laura Mac is headed to New Focus Network in 2017 with extended episodes of Survivor Designer. Yep, she's on the right path and painting her way with her own personal paintbrush and slamming a few nails with her pink hammer along the way. Lookout cancer, if you throw Laura to the wolves, she'll return leading the pack! Get your tool belt on, gals! Laura Mac is painting SURVIVORville survivorship purple in 2017.
Ali Schaffer, LCSW
Manager, Patient and Family-Centered Care; Assistant in Medicine and Psychiatry
Ali Schaffer, LCSW, is the manager of Patient and Family-Centered Care at the Vanderbilt-Ingram Cancer (VICC) Center. In this role, she oversees the management of the Patient and Family Resource Center, clinic volunteers, pet, and the Vanderbilt Oncology Expressive Arts Committee. She also collaborates with medical professionals and local and national organizations to plan and implement educational programs for people impacted by cancer. Ali is a clinician with the new VICC psycho-oncology team and provides psychotherapy to people impacted by cancer.
Ali graduated with a BA in Psychology from Emory University and a Masters degree in Social Work from the University of Georgia. She is a national speaker and contributes content for articles, online blogs and webinars on a variety of cancer-related topics.
Runsi Sen, Founder, President & CEO
Ovarcome Foundation for Ovarian Cancer Survivors
Runsi Sen, Founder of Ovarcome, serves as the President and CEO of the organization. Runsi lost her mother to ovarian cancer in 2009, and in her memory and with her inspiration founded Ovarcome. Under Runsi�s leadership, Ovarcome has experienced significant growth both nationally and internationally.
Runsi graduated from Rice University in 2004 with an MBA in Strategy & Marketing. Runsi also holds a master�s degree in Economics. She serves as an Advisory Board member of the Blanton-Davis ovarian cancer research program at MD Anderson. Runsi received her early education and career experience internationally, in India. She lives with her husband and two children in Houston.
Debra Sheridan, Founder/President
Faces of HNC
Debra serves as Founder/President of Faces of HNC is a Tennessee based 501(c)(3) organization dedicated to raising public awareness about head and neck cancer and resources to provide solutions that improve quality of life for HNC treatment survivors, one voice at a time.
Debra recently signed with Black Card Books, an international publisher, to produce and promote her upcoming book "My Voice – Lost and Found". The book will discuss obstacles in life, some random and unasked for, some self-created, that may have impeded our ability to realize our goals and dreams and suggestions for turning those obstacles into opportunities. Debra will be the first to highlight a specific head and neck cancer empowerment session group at SURVIVORville. Thank you, Debra!
Emi Canahuati, MA, ASSECT Certified Sexuality Educator
Talk and Thrive Education, LLC
Urology Associates
Vikki Pedigo, MSN, WHNP-BC is a Women's Health Nurse Practitioner at the Women's Institute for Sexual Health (WISH), a division of Urology Associates in Nashville, TN. Vikki specializes in the medical treatment of female sexual and pelvic health with a holistic approach. She completed her Bachelor of Science at the University of California, San Diego and her Master of Science in Nursing Degree from Vanderbilt University. She enjoys caring for women and helping them attain an improved quality of life through her work.


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Church History
The First Baptist Church of Westfield located at 122 Church Street is one of several in the heart of downtown Westfield. We are a neighborhood church celebrating over 100 years of being in the community and within walking distance from many of the church members' homes. This rural community with an approximate population of 1,064 is located in the northwestern corner of Tioga County, Pennsylvania, not far from the New York State line and in the center of some of the most beautiful Pennsylvania open country and state game lands.
August 5, 1891, Rev. A.W. Metler was the first pastor and Mrs. S.M. Cotrell organized the church in her home. Metler in an early speech said, "The congregation is in good spiritual and working condition, but are somewhat poor financially. The church is located in a thriving town of about 1,200 inhabitants, centrally located in the beautiful valley. Ours is the fifth and last church organization, all of which are weak excepting one. There is plenty of material to work on without infringing on other denominations. The church is four miles from any other Baptist Church. It is a very important point to occupy, not only because of the place itself, but also from its relation to the Baptist cause in this region. There is urgent need of a strong church here. In some respects it is a very difficult field to work, but we believe, if wisely handled, someday it will abundantly repay for all expenditure and struggle. The church has gained a warm place in the hearts of the people, and it's well respected by most of the other denominations. We worship in a hall centrally located. We have a thriving Sunday School, a prosperous BYPU and ladies Auxiliary. With God's blessing we expect the little one will soon become strong."
The church was accepted into the Tioga Association September 10, 1891. E.M. Tucker, banker, donated the hall for services on February 21, 1892. By August, 1893, the membership had grown to 39 members with 50+ in Sunday School. The charter was granted October 17, 1895.
In 1901 they voted to buy the current lot on Church Street and started discussing building the church in 1905. In 1908 the new building was erected and on August 20, 1908, the church cornerstone was laid. Memorial stained glass windows arrived and still grace our windows. The first pews were installed December that year and the building was dedicated January 14, 1909, with the mortgage being burned in 1920.
With the growing Sunday School, our church built an addition in 1926. The church bell arrived in 1938 from the Sylvester Baptist Church.
In 1954 the church split with, and in 1955 a new purpose was stated, "The purpose of this Church shall be to meet together to worship God and for spread of the Gospel throughout the world and the evangelization of the world." In 1998 the focus statement, "God calls us to communicate and model the Holy Bible and its applications" was developed.
The Building Fund was started in 1967, the Scholarship Fund was started in 1972, and a separate Memorial Fund was started in 1989.
In 1961 the outdoor bulletin board was installed. In 1981 the church cornerstone was opened as a new front of four inch thick Pennsylvania stone was installed over the church. In 1990 the steeple was enclosed.
In 1955 member Lewis George was licensed to preach in our church and in 1982 both members Tim Hall and Richard Berg were ordained. Our church has had 40 pastors throughout the years filling the pulpit. Some of these were supply pastors filling in as interim pastors as long as two years. Others made contributions such as flock bible studies, constitutions or focus statements. We have many, many years of solid church service passed down to us to draw from in terms of faithful, strong Christian values and instructions. Although we are small, we continue to hold fast to our doctrines and our beliefs. In 2002 member Mike Hale was given a certificate to preach by the church and adds to our pulpit supply as well as other local congregations in time of need.
Our current staff consists of Pastor Sean Grossman and organist Walter Sergeant. Our previous pastor, F. Lewis Young, was with us from November 6, 2005, until August 1, 2013, when he decided to retire. Pastor Young was called after a search period time when Pastor Birney Phillips retired May 29, 2005. Pastor Phillips had started November 28, 1999. Prior to that, Rev. Leal Smith was with us April 28, 1996 to October 25, 1998 when he resigned. During the time between each calling, we were served with interim pastors from the local area. After Rev. Smith left we utilized the Minister At Large program for a time.
Presently, we celebrate the Advent and Christmas seasons, the Lenten Season is acknowledged, Easter celebrated and Pentecost recognized. We also celebrate the Lord's Supper every other month with home communion offered to our shut-ins under the pastor's direction. Our church has held Vacation Bible Schools, yet since 1998 we have participated in a community VBS hosting on a rotational basis with other churches in town. We also have headed a community Thanksgiving meal since 1993.

subset: commoncrawl


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Otsuka Signs Statement of Support for Women's Empowerment Principles
Avanir Pharmaceuticals, Inc. an indirect subsidiary of Otsuka Holdings Co., Ltd., announced Friday, January 19, that the latter has signed the CEO Statement of Support for the Women's Empowerment Principles (WEPs), a set of Principles focusing on corporate action to promote gender equality and women's empowerment in the workplace, marketplace and community. The WEPs are the result of collaboration between the United Nations Global Compact (UNGC) 1 and the United Nations Entity for Gender Equality and the Empowerment of Women (UN Women).2
Under the corporate philosophy of "Otsuka-people creating new products for better health worldwide," the Otsuka group of companies is a total health care group active on the global stage. Convinced that maximizing the talents of a diverse group of individuals becomes the driving force for growth, Otsuka promotes diversity across the group companies, including proactively encouraging the participation and advancement of women in the workplace. The signing of the CEO Statement of Support for the WEPs is an opportunity to reinforce efforts to ensure gender equality and women's empowerment.
Women's Empowerment Principles (WEPs)
The Women's Empowerment Principles are a set of voluntary principles offering guidance for corporate practices to promote equality and women's empowerment, launched in 2010 as the result of collaboration between the UNGC and UN Women. By signing the CEO Statement of Support for the WEPs, a company demonstrates its dedication to contributing to workplace, marketplace and community environments that encourage advancement and empowerment of women. The seven Women's Empowerment Principles are listed below.3
1. Establish high-level corporate leadership for gender equality
2. Treat all women and men fairly at work – respect and support human rights and nondiscrimination
3. Ensure the health, safety and well-being of all women and men workers
4. Promote education, training and professional development for women
5. Implement enterprise development, supply chain and marketing practices that empower women
6. Promote equality through community initiatives and advocacy
7. Measure and publicly report on progress to achieve gender equality
About Otsuka Holdings Co., Ltd.
Otsuka Holdings Co., Ltd. is the holding company for the Otsuka group of companies, a global healthcare group headquartered in Tokyo, Japan. With operations in pharmaceuticals, nutraceuticals, medical devices and other health-related businesses, the group generated worldwide sales of approximately USD 10.2 billion in the fiscal year ended December 31, 2016.
The Otsuka group of companies conducts research, development, manufacturing and marketing of innovative products that are uniquely positioned to provide advanced therapy, improve quality of life and support a healthy lifestyle. Additional information can be obtained at https://www.otsuka.com/en/
About Avanir Pharmaceuticals, Inc.
Avanir Pharmaceuticals, Inc. is a biopharmaceutical company focused on bringing innovative medicines to patients with central nervous system disorders of high unmet medical need. As part of our commitment, we have extensively invested in our pipeline and are dedicated to advancing medicines that can substantially improve the lives of patients and their loved ones. For more information about Avanir, please visit http://www.avanir.com.
Avanir is a subsidiary of Otsuka America, Inc. (OAI), a holding company established in the U.S. in 1989. OAI is wholly owned by Otsuka Pharmaceutical Co., Ltd., a global healthcare company with the corporate philosophy: 'Otsuka-people creating new products for better health worldwide.'
Otsuka researches, develops, manufactures and markets innovative and original pharmaceutical products for the treatment of diseases and nutraceutical products for the maintenance of everyday health.
In pharmaceuticals, Otsuka is a leader in the challenging area of mental health and also has research programs on several under-addressed diseases including tuberculosis, a significant global public health issue. These commitments illustrate how Otsuka is a "big venture" company at heart, applying a youthful spirit of creativity in everything it does. Otsuka Pharmaceutical and its related companies, employ approximately 31,000 people worldwide. You can visit the company's global website at https://www.otsuka.co.jp/en.
1. The UNGC is a voluntary initiative encouraging participation in a worldwide, principle-based framework, aiming to promote sustainability through creative leadership and responsible corporate citizenship. Otsuka Holdings became a signatory to the UNGC in 2016.
2. UN Women is a United Nations entity working for the empowerment of women. It was established in 2010 through the merger of the Division for the Advancement of Women (DAW), the International Research and Training Institute for the Advancement of Women (INSTRAW), the Office of the Special Adviser on Gender Issues and Advancement of Women (OSAGI), and the United Nations Development Fund for Women (UNIFEM).
3. Women's Empowerment Principles: http://www.weprinciples.org/


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We are 501c3 private non-profit organization that is solutions-oriented and outcomes-driven.
Our Mission:
To create and offer tailored housing solutions for those in crisis, and nurture homeless people toward greater self-direction and responsibility.
Our Vision:
A community where homeless people are empowered with hope, dignity and confidence to quickly access and sustain a safe, decent and affordable home.
Our Values:
|Ho'okipa: The hospitality of complete giving. We welcome guests with the spirit of Aloha and offer the gift of hope.
|Kuleana: One's personal sense of responsibility. We encourage and challenge guests and each other to accept responsibility and be held accountable.
Alaka'i: Leadership by example. We take initiative and empower others to find their voice.
Ha'aha'a: Humility. We are open to learning from one another, practicing integrity and doing the right thing without the need for credit or recognition.
Ho'ohanohano: Honor the dignity of others. We practice and cultivate respect of all guests and tailor our responses to each guests individualized needs.
Malama: To care deeply. We serve, honor, and inspire our guests to be part of an ohana that genuinely cares.
Kulia ika nu'u: Pursuing excellence. We commit to growing our competence in helping our clients achieve their goals.
|Lokahi: Collaboration and cooperation. We work in harmony and concert with each other and others outside our organization. We achieve more when we work together.
This story by reporter Dan Nakaso ran in The...Read More
Date: Aug 29,2020
Location: Hilton Hawaiian Village - Great Lawn


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Our Team
Naomi Rosenfeld, Executive Director
Edna LeVine, Director of Community Engagement
Svetlana Ratchinski, Controller
Lindsay Kerr, Director of Hillel & Next Generation Engagement
Rabbi David Ellis, Regional Chaplain
Naomi Rosenfeld, Executive Director
While born and raised in Toronto, it was as a staff member at Camp Kadimah, followed by time spent as the Director of Jewish Student Life for the Atlantic Jewish Council, where Naomi developed a love and appreciation for the Atlantic Canadian Jewish community. Naomi holds an undergraduate degree from Queen's University where she graduated with both the medal in Psychology and admission into the Tricolour Society – the highest non-academic non-athletic honour that can be bestowed upon a student. Then, immediately prior to beginning her role as the Executive Director of the AJC, Naomi completed a Masters of Business Administration (MBA) and Masters of Arts (MA) in Jewish Professional Leadership at Brandeis University with a concentration in Israel Education from The iCenter. During this time, Naomi was a recipient of Jewish Federations of North America's Federation Executive Recruitment and Education Program (FEREP) Graduate Scholarship and the Charles R. Bronfman Scholarship from the Hornstein Jewish Professional Leadership Program. Naomi is thrilled to have returned once again to Atlantic Canada, and cannot wait to help strengthen this Jewish community that means so much to her!
Contact Naomi at (902) 422-7493
Edna LeVine, Director of Community Engagement
As the Director of Community Engagement, Edna has overall responsibility for the AJC's community outreach short and long-term programs and initiatives including Holocaust education and immigration. As an innovative leader within the organization, Edna has fostered a culture that encourages excellence in program partnership, capacity building, volunteer participation and collaboration with local community organizations. Edna is the AJC's representative with the Nova Scotia Human Rights Commission group Partners for HumanRights, dedicated to working towards respectful and inclusive communities.
Edna has over 20 years of broad experience with all aspects of non-profit organization governance, administration, volunteer services and project management. A longtime Halifax resident, Edna earned a master's degree in educational psychology from Dalhousie University and completed a certificate in professional human resource skills from Saint Mary's University.
Contact Edna at (902) 422-7491 x226
Svetlana Ratchinski, Controller
Svetlana arrived in Halifax with the first group of Israeli immigrants supported by the Atlantic Jewish Community in 2009. She was born in the Former Soviet Union where she graduated from Odessa Polytechnic University with a diploma in electronic engineering of robotics and automation of production. In 1992, she immigrated with her family to Israel. She lived in kibbutz Grofit near Eilat for her first year in Israel and studied Hebrew. When the kibbutz program was over, Svetlana moved to Eilat where she lived for four years. Eilat is known as a tourist city and there was not much work in the industrial field, so Svetlana made a decision to change her career. She completed an accounting course at Eilat College and then moved with her family to Beer-Sheva where she worked in the accounting field for 12 years before immigrating to Halifax. Svetlana has been working for the AJC since October 2009 and is so pleased to be a part of Jewish life in Atlantic Canada. She hopes her work reflects her aspiration to support the Atlantic Jewish Community and is grateful for this special place that she now calls home.
Contact Svetlana at (902) 422-7491 x223
Lindsay Kerr, Director of Hillel & Next Generation Engagement
Hi Atlantic Canada! I am so excited to be joining you and the rest of Atlantic Canada as the new Director of Hillel and Next Generation Engagement. I'm born and raised in Winnipeg, Manitoba (go jets go!) where I also did all of my schooling. I attended the University of Winnipeg for five years, earning myself Bachelor of Arts and Bachelor of Education degrees. Since I graduated I've been subbing (the flexibility allowed me to travel) and teaching in a grade 1 / 2 class but my heart and mind has always been in informal education. I grew up at BB Camp Kenora, Ontario, leaving behind city life for a Jewish wilderness camp on an island! I worked there for 7 years and, after retiring, transitioned to leading trips for BBYO Passport. It's been so wonderful to be able to combine my interest in informal and experiential education with my love of travel!
I have been lucky enough to see the ocean a bunch times (one time I didn't realize it was the ocean and thought it was a lake, oops!) but have never spent so much time so close to it. I am really looking forward to seeing the beauty Atlantic Canada has to offer. Every response to "I'm moving to Halifax" has been "wow you are so lucky, Halifax is the most beautiful city!". I'm also really looking forward to getting to know the community that I have heard such great things about. I am curious to see what winter is like in a city other than Winnipeg.
Contact Lindsay at firstname.lastname@example.com
Rabbi David Ellis, Regional Chaplain
As the AJC's Regional Chaplain, the focus of Rabbi Ellis' work is the Jewish community of Atlantic Canada outside of Halifax, especially in Sydney, Cape Breton, where he serves as the Rabbinic leader. Rabbi Ellis' major responsibilities include communicating the Jewish viewpoint to the general society, teaching Jewish studies courses at several institutions across the region, engaging in interfaith discussions, and assisting the elderly. Rabbi Ellis also spearheads the Yom Hashoah (Holocaust Remembrance) Ceremony each year in Bass River, NS.


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text: Steve Langasek <email@example.com> > This is an interesting point. The Debian constitution appears to assume > that SPI will be the only organization holding property in trust for Debian; > but this hasn't been the case for some time -- ffis, e.V. in Germany has > received Debian donations for years, and AIUI we also have donations held in > Australia and a pool of money we left behind in Brazil after DC4. ffis in Germany is an SPI partner, as is Assoli in Italy. As far as I know, both of those are charities and neither has attempted to co-opt DDs without their permission. I don't know the status of holdings in Australia and Brazil. Are they retained profits from events? DebConf6 seemed to be privately run for debian, supported by SPI. I assumed that any surplus will be donated to debian, but I don't know. > Wow, in what sense are donations *not received by SPI* "earnings"? It's money given to an SPI member project for whom any donations must be made to SPI. How can they be earnings of anyone else? > For that matter, how is this a decision about property held in trust for > Debian? Before being received from the donor, the money is not held in > trust for Debian; so giving someone your blessing to receive that money > doesn't seem to be a decision *about* money held in trust. Curious tactic. If it's not yet a donation held for debian, the constitution says, "any donations for the Debian Project must be made to SPI" (so people directing them elsewhere are actively working against that rule IMO, not that I'll act on it) and one would expect SPI to decide who holds its funds. However you want to cut it, it looks like SPI would have decided about this, if the decision was properly made. Where? BTW, I don't agree that it's not a donation - once the donor donates, it looks like one to me, no matter what account at what trusted party it goes to. Would arguing otherwise really satisfy the taxman? Thank you for your interest in this vexing topic, -- MJR/slef Laux nur mia opinio: vidu http://people.debian.org/~mjr/ Bv sekvu http://www.uk.debian.org/MailingLists/#codeofconduct


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By killing off the rumoured BB10 update for the Playbook, BlackBerry basically stabbed its 7-inch tablet in the heart and lungs. As a result, though, new Playbooks can be had for around £80. Given the hardware isn't terrible, that's a bit of a bargain. And it's even better when you mod it to do actually-useful things.
First-up, we're going to get some Android apps on the Playbook. To get an Android app running on the Playbook is fairly simple.
- First, you need an app in the .bar format. Normally, Android apps are in the .apk format; they can be re-packaged by this handy converter. Alternatively, there's already a good list of re-packaged apps here.
- Next, you'll need to download DDPB, which is an app that allows you to essentially sideload apps. It can be found here.
- While the file's downloading, fire up your Playbook, and go to Settings-->Options-->Development Mode, and turn it on. Enter a simple password.
- Using the web browser on your Playbook (ugh), navigate to the .bar files you want to install (probably from the website links above), and download them.
- Fire up DDPB (which is Windows-only, by the way -- sorry). Plug your Playbook into your PC, and hit Scan. (If you Playbook doesn't show up straight away, you can manually enter the IP address, which should show up in an icon on your home screen.) Connect to it, and it'll ask for a password -- use the same one you entered when turning on Developer Mode.
- Once you've connected to your Playbook, click add, and navigate to the .bar files you downloaded (by default, they'll be in /downloads). Voila, your apps should be installed.
Ok, so aside from being a cheap way of running Android apps, there aren't a huge number of other things you can do with a Playbook. That said, the BlackBerry Bridge function lets you use the Playbook as a remote for all sorts of things, thanks to to the open Bluetooth interface. Probably the most useful is the PS3. To connect:
- Turn on Bluetooth on your Playbook, and make sure your device is set to be discoverable.
- On the PS3, open Accessory Settings, then Manage Bluetooth Devices
- On the Playbook, open the BlackBerry Bridge app
- On the PS3, hit 'Register New Device', and then scan for your Playbook. When (fingers and toes crossed) it finds the Playbook, it'll ask for a passcode. Enter any passcode -- your Playbook should now prompt you for a passcode. Enter the same one.
- The PS3 may well now give you an error, and not show up; but despite what you see, it should hopefully be paired. You can now use yoru Playbook to navigate around, and even type (thank God).


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Cabin Falls EcoLodge Retreats Lady Evelyn-Smoothwater Wilderness Park, Temagami, Ontario, Canada
Nestled in a pristine setting, surrounded by 250 year old-growth pine forests and perched over a 10-meter waterfall, Cabin Falls EcoLodge is one of the most unique rustic lodges in Canada. The original log cabin was built for a group of american sportsmen in 1930 by theTemea Augama Anishnabe, the First Nations People of the Temagami area from Bear Island. To learn about the history of Cabin Falls see Hap's recent book, The Cabin.
Since 1984 Cabin Falls EcoLodge has hosted hundreds of like-minded nature enthusiasts. Photographers, artists, families, executives and survivalists have connected with their passion for adventure in one of Canada's most scenic river parks. First constructed for only a few, the lodge has grown to accommodate up to twelve people in a beautiful, rustic yet elegant setting, perched atop a thirty-foot waterfall.
Cabin Falls Ecolodge is owned and managed by well-known Canadian adventurers, Hap and Andrea Wilson. Guests arrive and depart by floatplane for an all-inclusive wilderness adventure consisting of well-planned outings by canoe along the river, or on foot along the several miles of hiking trails through old-growth pine forest. There are seven waterfalls along the river to explore, geological and glacial formations carved into the rocks and one of Ontario's loftiest peaks to climb at Dry Lake Ridge.
Meals are tailored, organic and nutritious, while 'off-the-grid' lodge accommodations portray a comfortable and attractive attention to natural detail. A variety of first class gourmet meals are provided each day, usually with breakfast and dinner served in the dining cabin and lunch provided on the trail. Meals and fresh-baked goods are prepared in our woodstove and special dietary requirements can easily be accommodated. The lodge is blessed with a natural spring close by for fresh and clean drinking water.
Cabin Falls Eco-lodge is surrounded by old-growth pine forests, and natural swimming pools in the river. There are several other magnificent waterfalls nearby, all part of "the golden staircase", a series of 8 waterfalls along the north and south channels of the lady evelyn river. Also surrounding the cabins are fabulous hiking trails and scenic lookouts, as well as some whitewater "runs" and great natural brook trout fishing areas.
Participants can sketch, carve, photograph or just quietly observe the surrounding flora and fauna and learn about the rich history of this ancient land. Have a sauna, swim in the waterfall pools, fish for natural brook trout, sit by the campfire or star gaze – after a busy day exploring you may just want to sit and relax on the spacious deck and read a book.
There is no place like it in all of Ontario; Cabin Falls Ecolodge is the only privately owned lodge in the park.


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Inevitably, Romney Declared 'Inevitable'
One of the reasons the Republican Party enjoys any popularity at all is because it is as comfortable as an old shoe: predictable, safe, conservative, and welcoming of those Americans who believe in old-fashioned values like overt patriotism, nuclear families, faith in God, and American exceptionalism. It is not a party of revolutionaries (the Tea Party is more classically defined as a counter-revolution), boat rockers, non-conformists, renegades, or heretics.
This usually makes choosing a presidential candidate a rather staid affair with polite but pointed scrums among the candidates before the first caucuses and primaries until -- inevitably -- the inevitable candidate who had been backed by the establishment from the start moves ahead in a stately fashion and coasts to victory. The fact that the winning establishment candidate has almost always run for the presidency previously -- the exceptions happening three times in the last 48 years (Goldwater, Ford, Bush #43) -- also leads to the conclusion that it is his "turn" and that other candidates must wait in line.
Matt Bai, one of America's premiere political writers, took a shot at defining the GOP establishment in a recent New York Times Magazine article:
Today's establishment is really a consortium of separate and overlapping establishments: a governing establishment of those who have served in administrations or in Congress; a political establishment of campaign consultants; a media establishment dominated by Fox News or the editorial page of The Wall Street Journal and a policy establishment at organizations like the American Enterprise Institute and the Heritage Foundation.
If there is any one power center that connects all of these, though, it's what you could call the money establishment — the group of senior Republicans, many of whom came to Washington as ideological warriors in the 1980s or early '90s, who now make their living principally through the business of government. They wield quiet power as corporate lobbyists or regulatory consultants or prolific fund-raisers, or often as all of these at once.
The scenario that has run in past campaigns appears to be on track in 2012. Mitt Romney is getting a head start on the "inevitability" riff in this familiar composition. Despite lukewarm support from the Republican establishment, almost dutifully, those movers, shakers, spenders, bundlers, and thinkers who run the party are laying aside their doubts and have begun the drumbeat in the press about Mitt Romney's "inevitability."
They picked a lousy time for it. Two recent national polls show Herman Cain ahead of Romney, while several state polls also show the Georgia businessman beating out the establishment's reluctant choice. But this doesn't seem to make a dent in what is nothing short of a media blitz to crown the former Massachusetts governor before any challenger can truly make a game of it.
Washington Post blogger Jennifer Rubin points out that there are already 1.98 million Google search results for the term "Romney inevitable." She also notes:
[T]he notion that any candidate's win is "inevitable" months before votes are cast is silly. Romney is without a doubt the front-runner with considerable momentum and weak opposition. But lots can happen, and there are dangers from attaining not only front-runner but media-denominated "inevitable" status.
Not exactly "silly" if one looks at the recent history of the GOP nominating process, but certainly Herman Cain and Rick Perry would strenuously disagree. As Rubin writes, Romney could easily stumble as early as Iowa and will have a real fight on his hands in South Carolina. Those early contests could easily wipe the patina of "inevitability" from his campaign posters and see the candidate fighting for his political life in relatively unfriendly states like Florida (1/31/12) and Missouri (2/7/12). Another factor working against the "inevitable" candidate this time out is the elimination of "winner-take-all" primaries. With proportional delegate selection, any candidate who is trailing the front-runner can claim a significant portion of a state's delegates even by losing.


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Michigan basketball commitments Mitch McGary (Chesterton, Ind./Brewster Academy) and Glenn Robinson III (St. John, Ind./Lake Central) will be in New Orleans for this year's Final Four.
And they'll be playing, too. The pair of future Michigan players have been selected to play in the four-team All-American Championship in New Orleans on the same weekend as the Final Four their future team, the Wolverines, also hope to make.
McGary will play on the East team and Robinson will be on the north squad.
The event is scheduled for April 1, the off-day between the national semifinals and NCAA championship game in New Orleans. The games will be played at the Lakefront Arena in New Orleans and will be televised on ESPNU.


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Photos of children in a darkly lit room staring mindlessly at the television with their vacant eyes and odd facial gestures. The series entitled "Idiot Box" by photographer Donna Stevens explores the darker side of technology and the impression they leave on children, as the number of gadgets we possess makes it possible to watch anything away from the comforts of home.
The series (shot while children watched TV) was an exploration into the co-dependent yet contradictory relationship we all share with technology and the media. Should we exhibit more caution about the role of technology in our children's lives? Is our techno-paranoia warranted? No matter what gadgetry we may possess, do our problems remain human?+


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To own an original from Jose, click "Request Commission" above. You'll have a chance to send a message and describe what you're looking for. This is a great opportunity to mention the pieces you liked while browsing Jose's Easel profile or anything special you need this to be, like made a certain size or finished by a certain day.
A special note from Jose
Dont know what you would call my style but I can draw you something custom with a name or word you want. I can use characters from cartoons or anime. Thanx for looking🤓


text: "I have the very first US Mower flail head built and it is still my primary mower today. The equipment is top notch, the replacement blades are always in stock when I need them and the staff responds right away to keep me mowing. This machine is 17 years old and I've done absolutely no major work to it.""US built is what my business is about and we are proud to do business with a company that backs that up with quality mowers that last. We have sold several tractors with booms attached as well as mower heads. These guys are fantastic and the product is the best value in the industry."


text: 2017 is shaping up to be VR's biggest and most important year yet. It comes off the back of a record breaking 2016, a year that saw around $1.8bn of funding for VR / AR companies. The figure has been steadily increasing over the last few years and one would expect 2017 to beat last year's total.


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Project Description
Purrfect Office was a new brand aimed at a specific segment of the office supplies market. We were tasked with creating a vibrant pink themed site to match their branding. This included a package of graphical banners and call to action.
The Features
- Website Type: Evolution Office Supplies Store
- Completed: February 2014


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Audiologist Gift Ornament
$ 8.95
A unique and adorable handmade thank you for an Audiologist!
Handcrafted salt dough angel ornament, she's a perfect thank you gift and say's "Audiologists are Angels on Earth".
Also available in barn red dress or midnight blue, see variations.
Shown in Hunter green with a matching fabric homespun patch and rusted tin star.
Finished with a coat of sealant and a black, wire hanger, she doubles as a Christmas tree ornament or anytime kitchen / office decor.
If your Audiologist is a gentleman, just ask for a male angel.
Your ornament will come cello gift wrapped with hanging brand and 'care' tags included, free of charge.
We LOVE hearing from our customers! Please don't hesitate to contact us with any questions/requests~
Wondering something? Click here for answers to Frequently Asked Questions.


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Many parents choose to use a special education advocate to support them in getting what their children need in special education. Nonlawyer advocates do not have a license to practice law, and they are not attorneys. They provide their services according to the laws of their state. Advocates are often professionals with training in special education and advocacy. They may or may not charge fees for their services. (COPAA uses the terms "special education advocate" and "advocate" to refer to individuals who advocate for parents and families, but are not attorneys.)
Select a trained, experienced advocate.
Unlike attorneys, no certification authority exists to certify advocates at this time. However, many special education advocates have years of experience and training. When you interview an advocate, you should ask about their education and training. You should also ask whether the advocate stays current in the field by getting updated training and education through workshops, conferences, and continuing education programs. Do not hesitate to ask for references from the advocate. You are the one making the hiring decision.
Select an advocate with special education experience.
Experienced advocates can often help you obtain the educational services your child needs. Advocates may have specific skills and knowledge about evaluations, various disabilities, IEPs and other educational negotiations, behavioral supports and discipline, document management, fact investigations, and other areas. They may have alternative dispute resolution skills, such as mediation and facilitation skills. Advocates should be familiar with the local service providers, evaluators, local school districts and the options they offer, and local customs. They should know and understand IDEA and other laws/regulations affecting the education of students with disabilities. Ask your advocate about his or her experience and specific skills. You need to be an informed consumer and ask the questions that are important to you.
Select an advocate who understands your child.
You should expect an advocate to spend time visiting with your child. Each child is a unique human being and has individual educational needs. Your advocate should be able to explain to you how your child's disability will affect him or her at school. Advocates are not diagnosticians and they are not education evaluators. But, a working knowledge of your child's disability, or a willingness to become educated about your child's disability, is a quality a good advocate should have.
Advocates and attorneys.
Nonlawyer advocates are not attorneys or members of the bar. Some advocates and paralegals are supervised by attorneys. Some work in forms or with public interest organizations. Others work independently in their own offices. You can ask an advocate if they work with an attorney. But, it is not necessary that a lawyer oversee an advocate, or that an advocate even have a relationship with an attorney. Many experienced advocates work completely on their own or with other advocates who are not licensed attorneys. You should decide what you want in an advocate and what kind of assistance you need.
Select an advocate who understands his or her professional limits.
Professional advocates may give you legal information and help you negotiate and resolve disputes. But, they are not lawyers, and cannot give you the same type of legal advice as attorneys or act as your lawyer. An experienced, well-trained advocate should help you recognize when you should seek an attorney's services. Should your next step be a due process hearing, you should check your state laws regarding assistance from an advocate. In some states, nonlawyer advocates can represent parents in administrative due process hearings. In others, they cannot, and may only assist the parents. An advocate cannot represent you in state or federal court. If you are contemplating due process, you and your advocate should discuss your case. You should think about whether you need to hire an attorney based on your individual situation and needs and the laws of your state. Ultimately, it is your responsibility to make this decision and you should make the decision you believe is most appropriate.
Other questions you might ask.
Here are some questions you might ask as you decide whether to hire an advocate.
Parents play a vital role in every special education matter. Advocates can give you advice and opinions based upon their training and experience, but you--the parent--must make all of the final decisions about your child. After meeting with the advocate ask yourself if you:
Reproduced from :
The Council of Parent Attorneys and Advocates, Inc. offer these suggestions as a public service to parents of children with disabilities. They are not intended as legal advice or a legal opinion. The COPAA Guidelines incorporate some information based in part on information published by the Illinois Attorney General's office.
Leave a Reply.


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About Us
We love data! But improving and measuring data quality is complicated. For that reason, we offer a solution that is intuitive and simple to use, one that can simplify master data management in every business.
Our team is led by Dr. Tobias Brockmann and Matthias Czerwonka. It comprises master data experts, experienced IT staff and IT business engineers. We create individually tailored solutions for our clients. We stand out for our mission, our dedication to our clients, and our passion for data.
Since 2013, we have been helping our clients realize the full potential of their business data. We have enabled them to become more efficient and productive to make better decisions as well as reduce costs.
We provide Apprenticeship!
Since 2015, we have been approved by IHK Berlin as a business that is allowed to proved apprenticeships. We provide expertise to the next generation. We train IT specialists, with a focus on application development.
We support students!
Since 2014, we have been working with the Technical University of Berlin to support particularly gifted students by providing a fellowship (Deutschlandstipendium).
We are member of BITKOM!
Since 2015, we are one of the 2,300 members of Bitkom, Germany's digital net society. The BITKOM supports, the modernization of the education system, and a future-oriented Internet policy!
Our Mission
We help our clients to improve their master data quality.
Together with our clients, we identify data quality problems and their influence on business processes, and develop solutions to address them. To do that, we use our product, DataRocket.
As a trustfull and dynamic partner, we help our clients to achieve high quality data in a long term perspective, so that they can fall in love with their data!
Our network consisting of industry-, tech-, and research partners
We collaborate with partners at a variety of levels. Our partners support us in finding clients and improving data quality, while our solutions partners help us in integrating DataRocket for our clients.
If you are interested in becoming our partner, please contact us. We would be glad to provide more information.
Join our team!
DataRocket needs a strong team. Our dynamic and motivated team develops new functions for DataRocket continuously with the help of modern technology, and creates solutions together with our clients to improve their master data quality.
Do technology, team spirit and pragmatism inspire you? Are you passionate about your work? Do you learn fast? Do you want to work in a dynamic office with friendly, approachable people? Do you want to bring your own ideas to the table and make them a reality, and also to develop your skills in the process?
Then you are exactly who we need at innoscale.
We offer excellent opportunities for personal development in a team of intelligent innovators. Become a part of our team. Apply now – and show what you're capable of!
- Room for creativity and personal initiative
- Simple decision-making and the opportunity to get involved in strategic business development
- Attractive performance-based renumeration
- Modern work model
- Free drinks, football and a fantastic view overlooking Berlin's river Spree
- An interest in data and web development
- An interest in working with new technologies like Meteor, Node.js and Bootstrap
- A passion for quality
- Innovativeness, intelligence and creativity
- An ability to work in a dynamic team
- An ability to work well independently
Contact information
Do you want to work with us or receive more information? Please feel free to contact Dr. Tobias Brockmann directly with questions.
Your contact:
Dr. Tobias Brockmann
Berlin office:
innoscale AG
Märkisches Ufer 34
10179 Berlin
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innoscale AG
Hafenweg 22
48155 Münster
Enquiries about collaboration
For enquiries about collaboration, please feel free to contact Matthias Czerwonka: firstname.lastname@example.com.
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text:
On December 17, many trans and intersex rights activists met in Delhi, the Indian capital, to protest the government's Transgender Persons [Protection of Rights] Bill 2016.
The bill is flawed. It is deeply problematic. And many activists, including I, have discussed this in extensive detail at various places, so this piece will not repeat it. But express hope, that perhaps the work that the trans led network I am part of – Sampoorna, and the work other trans activists have put in, will eventually see the bill being defeated in the parliament and restart the process, but this time with the needs and rights of the trans and intersex community in India firmly in the centre.
And work we have put in, in great measure. Sampoorna – the largest network of trans and intersex persons in India – has been fighting the TG Bill in its various forms, through the various loops of the union government, for well over a year now. Ever since it was first introduced as a draft bill in December 2015, to the version that was tabled in parliament in August 2016, the bill insisted on misunderstanding transgender and intersex Indians and declared that we couldn't decide our own lives. And so we fought.
At Sampoorna, we wrote to the Ministry of Social Justice and Empowerment when the draft bill came out. We demanded that the ministry legally, and distinctly, define transgender persons and intersex persons, and not confuse the two.
We said we didn't need rehabilitation. Rehabilitation from what? From the completely limited, binary idea *society has* of gender and a wrong understanding of biological sex? We said give us the rights, give us the rights that are, at least on paper, given to all Indians. We held meetings, attended a few more, spoke at national and regional meetings. One thing we found out very soon. Sampoorna was known as a group of trans men, although I – as a trans woman – found my greatest support and best-fit for politics there, and was instantly accepted. But a few other groups and organisations – of trans women – were perhaps more accepting of the bill, and would not care much about the politics that Sampoorna was putting forward – Rights, not rehabilitation. Self-determination, not power politics.
And then when the official bill came out, and it was clear the ministry had thrown everything we asked for out of the window, and seemed to have come up with a version even worse than their draft, Sampoorna – and the others – took up the fight again.
We wrote Op-eds, think pieces, pleas, rational rebuttals, passionate cries of despair and anger, in any newspaper and website that would publish it. We asked that the bill is withdrawn. We petitioned ministers and MPs. Through our partners, very close friends, and allies, we reached out to the sitting Members of Parliament, asking that they stand up for our (and theirs too) rights. We asked them to defend the constitution. We prepared a list of non-negotiable demands – the bare minimum that the Bill had to carry. The session ended, and the ill was not passed, we breathed a sigh of relief. We could do more work, convince more people. We also heard that the law was being sent to the standing committee for review. This was very good news, we thought.
Sampoorna is an unfunded collective. We exist as an email id, and a twitter/FB account. None of us in the working group have a full-time corporate employment – and really, which corporate body would hire an openly trans person? What would the board and the shareholders say? And so money has always been an issue for us.
December 2016. As an aside, demonetisation – which affected trans women and sex workers the most, the invisible women on the streets of the country, for whom cash meant food. And here we were, asking for money to fly in an aircraft and stay in a hotel to meet other people who did likewise.
Spending money we raised from donors, friends, family – to go to Delhi. To meet the various MPs who constituted the standing committee. In the cold, freezing winter of December 2016, members of Sampoorna – two trans men, an intersex person, and a trans woman – met parliamentarians and presented our case. Sometimes indifferent, sometimes willing to listen, the MPs and their teams promised to do what they could.
In 2017 the government had other fish to fry. Using completely unparliamentary tactics, they bulldozed their way to passing acts that would severely curtail the rights of ordinary citizens. Money bills that gave sweeping powers to the state to do what it wished.
Even as newspapers were publishing quotes and collective wisdom of the power brokers in Delhi for whom trans women are merely sexual objects, and trans men do not exist at all. That these people are given much more latitude by the government, and are allowed to influence policies is a sobering realisation – much like a blow to your guts.
A friend once told me that what I allow the government to do to someone else today, the government will do to me one day. This has always been my, and Sampoorna's broader politics. Fight for the rights of one, and for all. And stand up to injustice and oppression everywhere. And so it is all the more frightening, disarming, and disheartening that others didn't care.
For us at Sampoorna, and for many other trans and intersex activists, it felt like we were fighting in the dark, punching solid stone walls, without any help or support from the larger society. Even though the rights we were trying to uphold, are the very rights that the state and government will happily trample upon for everybody.
And so we lend our support to the trans and intersex persons currently in Delhi, and their partners, friends, family – and those allies who care.
We will continue to fight. We will continue to support and stand up for human rights for all.


text:
Music video by Cyndi Lauper performing Ballad Of Cleo & Joe. (C) 1996 SONY BMG MUSIC ENTERTAINMENT
"Ballad of Cleo and Joe" is the third and final single from Sisters of Avalon by Cyndi Lauper. The song is about the double life of a drag queen. 'Joe' by day, 'Cleo' by night. This song was one of the many songs on the Sisters of Avalon album that was about taboo subjects.
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He who joyfully marches in rank and file has already earned my contempt.
He has been given a large brain by mistake, since for him the spinal cord would suffice.(Albert Einstein)


text: TS Sunshyne Monroe has a hot date today: the very sexy Kelli Lox! Sunshyne receives Kelli in her favourite pink dress and Kelli discovers soon that she is wearing nothing underneath. The girls waste little time and soon their hands and lips are all over eachother. They take turn in sucking eachother's cock, getting rid the clothes that are only in the way now. Then Sunshyne Monroe gets on hands and knees, so Kelli can fuck her tight ass. Sunshyne is barely able to take her entire cock in, she creams it out, but she still wants it all. These hot transsexual girls fuck in several positions untill Kelli releases her hot load on Sunshyne's tummy.


text:
6.3m (l) x 2.4 m (w) x 1.1m (h)
Types of waste
- Garden & Household clean-up
- Doors for walk-in access
- Suits Medium to Large Building Sites
- Ideal for Factories
Unacceptable Waste
Asbestos, tyres, liquids, oil or chemicals of any kind including paint, all food products and or putrescible waste.
NOTE: Transport regulations prohibits us from carrying any materials higher than the top rim of the bin.
All full bins return to our recycling facility where rubbish is sorted, recyclables are taken out then residue transported to landfill.


text:
The school day
- Children should arrive at school no earlier than 10 minutes before the agreed start of the school day as staff are not able to be responsible for them before this time.
- The children attend 190 school days each year. Parents receive a copy of their child's daily attendance over the course of the year in the annual report.
- We ask that parents avoid taking children out of school for family holidays whenever possible. Absence in September and October can be particularly disruptive for the children.
- Parents of children in Year 6 are reminded that their children take SATs (Standard Assessment tests) during May. These are national tests that children undertake at the end of each Key Stage.
Foundation 1
Morning session – 8.45am – 11.45am
Afternoon session – 12.15 – 3.15pm
Foundation 2 – Year 2
Doors open at 8.40am
School day starts – 8.50am
10.30 - 10.45am - Break (not F2)
10.45- 12 noon
12 noon - 1pm – Lunch
3.10pm - End of day
Years 3 – 6
Assemble in playground at 8.40am
School day starts - 8.50am
10.30 - 10.45am - Break
10.45 – 12 noon
12 noon - 1pm - Lunch
3.15pm - End of day


text:
Update your marital status with the Canada Revenue Agency
How to update your marital status
Let the Canada Revenue Agency (CRA) know in one of these ways:
- log in to MyBenefits CRA or MyCRA on our mobile apps page
- select "Manage profile details" or "Personal information" then "Marital status"
- log in to My Account
- select "Personal information" then "Change my marital status"
- call the CRA at 1-800-387-1193
- fill out Form RC65, Marital Status Change, and send it to the CRA
When to update your marital status
If your marital status changes, let us know by the end of the month following the month in which your status changed. However, do not tell us of your separation until you have been separated for more than 90 consecutive days.
When we get notification of your change in marital status, we will recalculate your CCB taking into consideration your new marital status and your new adjusted family net income. Your CCB will be adjusted starting with the month following the month that your marital status changed.
Common-law partner – this applies to a person who is not your spouse, with whom you are in a conjugal relationship, and to whom one of the following situations applies. They:
- have been living with you for at least 12 continuous months;
Note: In this definition, 12 continuous months includes any period you were separated for less than 90 days because of a breakdown in your relationship.
- are the parent of your child by birth or adoption;
- have custody and control of your child (or had custody and control immediately before the child turned 19 years of age) and your child is wholly dependent on that person for support.
Separated – you are separated when you start living separate and apart from your spouse or common-law partner because of a breakdown in the relationship for a period of at least 90 days and you have not reconciled. Once you have been separated for 90 days (because of a breakdown in the relationship), the effective day of your separated status is the date you started living separate and apart.
You are still considered to have a spouse or common-law partner if there is no breakdown in the relationship and you were living apart for reasons such as work, studies, health problems, immigration or incarceration.
Spouse – this applies only to a person to whom you are legally married.
Forms and publications
Related services and information
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text: The best thing about MMOs is that they are constantly updated, making way for fun, holiday themed events. The best thing about Halloween is the fact that I get to use the word spooktacular, and so I present NCsoft's multi-MMO Halloween Spooktacular of Values! Okay, no actual values, but events are running across all NCsoft massively-multiplayer titles, whether people play them or not. Guild Wars' event kicks off on October 24th with the return of Mad King Thorn, with mini-games, jokes, riddles, and prizes, in what many people have told me is the best MMO-Halloween celebration available. City of Heroes players will be fighting off zombies and collecting classic costumes for badges and trick or treating fun. Tabula Rasa has some quests. Poor Tabula Rasa. Hit the jump for more details, including what's in store for Lineage II, and Exteel players. Did someone say free giant mech paint jobs?Guild Wars On Friday, October 24, Mad King Thorn makes his return to Guild Wars in yet another ghoulish Halloween season in Tyria. Players can take on the king and his maniacal mini-games, jokes and riddles at their own risk. But the rewards will be worth the effort. Winners will earn fabulous prizes. Losers will be killed. But like any good Halloween event, you can always come back to try again. Other events for this Halloween season include a costume brawl in a newly designed area of Guild Wars, dreadful Halloween peddlers located in Lion's Arch and Kamadan who will barter for their creepy items and photo ops where you can take your character's picture amongst some of the holiday props and settings. More information on all the frightful happenings in Guild Wars can be found here, http://www.guildwars.com/events/ingame/halloween2008/. City of Heroes City of Heroes' annual Halloween event is back again with even more evil twists. This season, gruesome zombies are on the prowl and they're after all heroes and villains. In addition to fighting off the dead guys, City of Heroes' Halloween event has a familiar look with Classical Costumes. Badges will be awarded to those who collect the most costumes. But don't stop there. Wear your costumes and go out trick or treating in Paragon City. Check out http://www.cityofheroes.com/news/archives/2008/10/halloween_event.html for more info. Lineage II Lineage II players will be celebrating Halloween along with the launch of the latest update to the game, Gracia – Part 2. On Tuesday, October 28th, the day Gracia – Part 2 launches, all players level 20 and above who go to their warehouse will receive a Pumpkin Transformation Stick which will change the player into a pumpkin ghost. Additionally there will be a surprise gift, but we can't tell you what this is until next week when the event starts. All the details about Lineage II's special Halloween Haunt can be found here, http://www.lineage2.com/archive/2008/10/halloween_haunt.html. Tabula Rasa For the next two weeks players can participate in special Halloween missions scattered throughout Tabula Rasa's expansive world. Complete them and you'll get a trick or treat emote and one of nine masks. If you played trick or treat in Tabula Rasa last year, you may recognize some of the masks but some will be brand new. For more information visit http://www.rgtr.com/news/latest_news/trick_or_treat.html. Exteel Starting Wednesday, October 29, Exteel will be celebrating its first Halloween by giving all of its players the opportunity to paint their robotic Mechanaughts orange and black at no extra cost. They'll also be able to enjoy their new Halloween-themed paint schemes while earning 50% more credits and experience for every match played in the game. Be sure to take advantage of it quickly—Exteeloween ends on November 5! For more information about Exteel go to http://www.exteel.com.


text:
To be clear: the image above is not the next iPhone; it's just a mockup that's been making the rounds. However, the case is very likely genuine, and it would seem to fill in yet another piece of the iPhone 5 (iPhone 4S?) puzzle. Most recent mockups have been based on a report from Engadget break-away site This is my next, and one could conclude that they are accurate enough to act as placeholders for case manufacturers, who require access to dummy units of upcoming devices. In other words, someone with knowledge of the next iPhone's design may have concluded that this render was a decent approximation of the actual device (iPad screenshot aside).
The case was discovered at Alibaba, a Chinese retail import site whose member companies have been known in the past to leak parts and accessories for upcoming Apple products. Most interesting about this particular model is the obvious pair of cutouts on the back — the current iPhone only requires a single cutout to expose both the camera lens and flash. This leads to speculation that the company has separated these two components on the iPhone 5, probably in an attempt to improve low-light photo and video capture.
While it's always possible that this was simply a marketing gimmick by case manufacturer Kulcase, we're inclined to believe that it's the real deal. If history is any indication, we can expect full disclosure sometime next month, although we're hearing that an iPhone 5 release won't happen until sometime in September.
Source: Alibaba
Via: PhoneArena


text:
Here's my May 2018 review following on from my May income fund update. It's almost like a balance sheet statement, but different!
My Score for May
|Living Expenses Budget
|Freedom Ratio
|Wet Worth
|Work Freedom Day
|Cash Reserves
|3.4 months
One record (😎) this month as this month's results include another all-time high Wet Worth.
Living Expenses Budget
This is my monthly budget for living expenses and it includes both essential (e.g. groceries, mortgage, insurance), and non-essential (e.g. music, travel) purchases. $4,040 is the amount from my Budget 18.0.
The amount is more of a spending goal than a strict budget as I over/underspend each month. The budget is calculated from an estimated yearly spend divided by 12, so it's normal for some months to be over or under the target amount.
Freedom Ratio
My Freedom Ratio is the percentage of my monthly living expenses budget that my Income Fund 'withdrawals' pay for. The current payment is $875 a month which covers 21.7% of my current $4,040 monthly budget. So I'm 21% of the way to Financial Independence!
I'll adjust this amount from investment income in the first quarter of next year. Surplus investment income for the remainder of this year will be re-invested.
Living Expenses %
The percentage of net income that's spent on living expenses. Lower numbers are better here.
This month's 55.1% beats February's 57% due to higher salary and investment income than the first month of last quarter.
I save or invest any income that I don't spend on Living Expenses so my effective "Savings Rate" this month was 43%.
Like the Freedom Ratio, any change in this number is caused by a change in either income or budget. However this metric takes total monthly income into account including actual investment income. This means it jumps around more, especially in the third month of each quarter.
The average percentage value should gradually decrease over time. This is because salary and investment income will hopefully increase faster than living expenses as I try to limit lifestyle creep and personal inflation.
The Living Expenses % metric and the Work Freedom Day metric (see below) are both good incentives to avoid increasing the budget since both numbers are impacted by a higher budget.
Living Expense History
Last May I spent 52.1% of my income on expenses, so I'm 3% points worse than this time last year. This year's budget is $70 more at $4,040 and I had higher investment income in May last year.
The chart above shows the trend in my Living Expenses % since the start of 2014. For the first part of 2014 I was paying two mortgages. In June 2014, I introduced Budget 1.0 after selling my first house and I made some minor tweaks in Budget 2.0 from October onwards. In January 2015 I started Budget 3.0 which I updated to Budget 3.5 in July.
Budget 4.0 started in 2016 with an increase to the monthly amount which I held constant in the mid-year review of Budget 4.5. In 2017 I moved to Budget 17.0 which increased monthly spending to $3,970.
This year I'm following Budget 18.0 which allows for $4,040 a month in living expenses.
Savings %
The percentage of net income spent on Savings (excluding Investments). Savings represents cash plus some stocks (VTMSX) and bonds (VWSTX).
I'm now putting aside about $1,200 every month for unexpected and mid / long term goals (any large expense or purchase due a year or more in the future). This month the savings percentage was 16.3% of my month's income compared to 15.0% last year.
This metric tracks only the money paid into my savings accounts. I have been spending some of my savings in the last couple of months. The resulting change in the savings balance is shown further below.
Investment %
The percentage of net income that I invest.
All spare money left over after savings and living expenses are paid goes into my Income Fund. This month it was 28.6% of my income.
I've written about my May portfolio income and gains in a separate post, so I won't repeat all of that here again.
Wet Worth $
My liquid assets minus all debt (excluding retirement and non-liquid assets).
My Wet Worth increased $6,657 in April from $345,261 to $351,918. There's a more detailed breakdown of this amount further below. This number is a new record high since I've tracked my finances.
Work Freedom Day
The day in the year that my dividend income could pay for the rest of the year's expenses.
The current Work Freedom Day estimate remains at 02 October 2018 based on projected income. The exact date won't be known until later in the year as I'm using conservative estimates to predict the date.
Note that based on a $4,040 budget, one Work Freedom Day requires about $134 of dividend income. Financial Independence then, requires about $1,800,000 at a 3% withdrawal rate.
Cash Reserves
Here I'm tracking the number of months of monthly expenses currently in my Living Expense account. Cash stored in other accounts such as Savings and Investment is not included here.
I spent a total of $4,313.63 in May which means I overspent my budget by $273. Non-typical expenses were joining the US Global Entry travel program and paying for a lawn mowing service.
Wet Worth detail
I'm showing my Wet Worth in this post – this is the cost of my liquid assets minus debt. Assets and retirement accounts are excluded from this number. I prefer this over Net Worth since the equity in large assets (house, car) and retirement funds is hard to get at and not always predictable. I find this is a more honest view of where I'm at on my journey.
The change in Wet Worth is caused by
|Cash decreased as I paid some of the tax refund I received to Ms. DL.
|Continuing to pay down mortgage at old (higher) rate.
|I used some of my Savings to pay a lump sum for the lawn service and some other expenses.
|Income Fund
|My Income Fund market value increased this month. See my earlier post for details.
|Total change in Wet Worth
May 2018 Summary
Cash Flow Forecast
The next couple of months should be similar to this month. My auto insurance premium will be a large expense that's due in July.
I'm also planning to have some wood flooring installed in the house later this summer which will be paid for from Savings.
In other news
Nothing much to report this month. I'm catching up on my posts so that I can report July's results in 'real-time' instead of four months behind. Only June to go now!
Anyway, it all adds up to one more step in the right direction towards Financial Independence!
Quote of the Day
It's easy to sit there and say you'd like to have more money. And I guess that's what I like about it. It's easy. Just sitting there, rocking back and forth, wanting that money.