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Today I have floral nailart to show you all. I used nubar sexy red for the base and stamped using Konad pastel yellow with cici&sisi 12.
Tuesday, 22 July 2014
Yellow roses on red nail art
Hi all
Posted by Unknown at 05:58
No comments:
Labels: Ciciandsisi, nailstamping, nubar, red nails, yellow nails
Saturday, 19 July 2014
Kbshimmer scribble me this.
Hi all
Today I am sharing with you all a very beautiful topper polish from kbshimmer and it's name is scribble me this. It's combination of matt glitters in different shape , sizes and colors. I used one coat over chinaglaze lemon fizz.
Posted by Unknown at 02:14
No comments:
Labels: indie, Kbshimmer, nailstamping, Pueen
Thursday, 17 July 2014
Thread spun nail art
Hi all
Today I did a nail art using a very beautiful indie polish by smitten polish and it's name is pink goes good with green. It's very pretty light mint green color with pink micro glitters in it.
Posted by Unknown at 03:02
No comments:
Labels: Ciciandsisi, indie, nailstamping, smitten polish
Wednesday, 16 July 2014
Naild'it Brite kite dance nail polish swatch and swirly nail art.
Hi all
Naild'it Brite kite dance nail polish is a indie polish and its a beautiful pink colored glitter polish with lots of purple micro glitters, neon pink small glitter and hexagonal light green big glitter. I used 3 coats for full opacity. Drying time is quite good. I clicked the picture in natural light. I stamped it using cici&sisi 05 with Konad black.
Posted by Unknown at 02:42
No comments:
Labels: Ciciandsisi, glitter polish, indie, naild'it, nailstamping
Tuesday, 15 July 2014
Kbshimmer shade shifter and floral nailart
Hi all
Kbshimmer shade shifter is a beautiful duo chrome polishes which shifts its color according to the light from cyan blue to purple to red to sometimes golden. I clicked this pic in natural light and applied three coats for the swatch. It dries super fast.
Posted by Unknown at 02:32
No comments:
Monday, 14 July 2014
Kbshimmer texture nailpolish nail art
Hi all
Recently I got three beautiful texture nail polish from kbshimmer. Kbshimmer is a indie brand with best polishes in their collection. These texture polishes dry matte and super fast. I used two coats each and make this rainbow nail art using all three colors. My nail art is inspired by chitchatnails blog.
Green = partners in lime.
Blue = she twerks out.
Purple = too pop to handle.
I am in love with these texture. The formula is superb and easy to work with.
All three colors go well with each other. If you can you must get these they are very good addition to your stash.
Hope you like them as much as I do.
Posted by Unknown at 03:06
No comments:
Labels: indie, Kbshimmer, nailpolish swatches, texture
Sunday, 13 July 2014
Owl nail art
Hi all
Owl prints are very much in fashion in accessories be it jewellery or clothes to hand bags. They are also famous in nail art world. Many stamping plate makers are incorporating owl images in their collection.
I am loving this trend. I did a mani using pueen 40 over sally hansen black out stamped with Konad pastel yellow.
Posted by Unknown at 03:14
No comments:
Labels: black out, konad, nail art, nailstamping, owl nails, pastel yellow, Pueen, sally hansen
Saturday, 12 July 2014
Love in Paris nail art
Hi all
Today I did some nailart over my yesterday's mani. I used my winstonia and moyou london plates for stamping and free handed some hearts using red nail polish.
Posted by Unknown at 02:25
No comments:
Labels: love nails, moyou london, nailstamping, winstonia
Friday, 11 July 2014
Wing dust silent reverie swatch
Hi all
Today I am sharing with you all a beautiful indie nail polish wing dust silent reverie. It's very soft creamy yellow shades with golden,white and light blue glitters. The formula is awesome and dries fast. I used three coats for the swatch below with no top coat.
Hope you love it too.
Posted by Unknown at 00:13
No comments:
Labels: nail polish, silent reverie, soft shade, swatch, wing dust
Thursday, 10 July 2014
Self printed nails
Hi all
Today I did a nail art inspired by self printed/ woven clothes. I painted my nails with kleancolor mettalic fuschia and then stamped the design using cici&sisi 12 plate with white color top coated it with opi sheer tint.
Posted by Unknown at 02:44
No comments:
Labels: cici and sisi, fuschia nails, Kleancolor, nailstamping, opi sheer tints
Tuesday, 8 July 2014
Cupcake nail art
Hi all
Today I am sharing with you all cupcake nail art. It is one of my birthday nails idea.
I used Avon India sherbet swift for the base and maybelline India glitter mania in black on my ring finger . Stamping plate used is bundlemonster BM 307 and stamping polish is Konad black.
Posted by Unknown at 10:58
No comments:
Labels: bm307, bundlemonster, cupcake nails, cupcakes, nailstamping
Monday, 7 July 2014
Lace nails using cici&sisi 03
Hi all
Today I am sharing you a nail art which I did for adventure in stamping Facebook group and Indian lacquer Lovers facebook group.
I used cici&sisi 03 plate for stamping and bornpretty holo polish 11 for base.
Posted by Unknown at 02:53
No comments:
Labels: bornpretty, Ciciandsisi, holographic, Konad white, lace nails, nailstamping
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diy project: kelly's midsummer night placemats
today's second diy project belongs to 2008 d*s diy contest finalist, kelly wilkinson of make:grow:gather. her decorative felt placemats were a hit with the voters so today she's sharing her full project instructions with us. if you're looking for something fun to do this weekend, or just need want to create a custom look for your table, kelly's project is a simple but beautiful way to spend some craft time. click here for kelly's full instructions or click "read more" below. happy crafting and thanks to kelly for sharing!
Midsummer Night Placemats
These flora-inspired placemats use wool felt and a sharp pair of scissors to imitate laser-cut felt. A good pair of dressmaker's shears (available at fabric stores) is the most important ingredient, because regular scissors won't give you a clean, precise edge.
Here's what you'll need for a set of four placemats:
-1 yard wool felt
-contrasting thread
-tailor's chalk
-dressmaker's scissors
-sewing machine (to replicate exact look- but there are ways to finish without sewing)
1. Measure four 15″ x 11″ rectangles of felt.
2. Cut, using long, even strokes.
3. On one short edge of each placemat, draw design of your choosing (see attached photo for inspiration) with tailor's chalk. You can make all your placemats match with the same motif, or add slight variations within the design (as pictured).
4. Cut out design, then round each corner.
5. Set sewing machine to zig-zag stitch. Start sewing at one end of the cut-out design, and stitch away from it to leave the cut-out design edge unstitched. Sew around three sides of placemat, ending on the other side of the design cut-out.
6. There are lots of ways to customize the placemats. You could cut a design into all four sides of the placemat if you prefer — or if you don't want to sew. The zig-zag stitch is optional but adds a nice finished appearance and the contrasting thread lends a subtle pop of color.
7. Set lovely table with champagne to celebrate!

subset: commoncrawl


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If you haven't checked out our comments page in a while, give it a whirl. We've had lots and lots of people write us over the past few months, and their questions and comments are well worth reading. You can get to that section by clicking on the "comments" link in the Navigation Bar on the left side of our website, or you can click on this link:
And if YOU have a comment or question, we'd love to hear from you. If you have ideas about new trips, questions about our trips, suggestions for new gear, or just want to share a few stories, drop us a note, and we'll add your notes to our comments section.
And we like it best when you send photos of your trip...!
Welcome to Backpack the Sierra > OUR BLOG >


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Dealing with ex-boyfriends can be awkward at best. You have to deal with feelings you still have for them. You may also have to deal with feelings of anger. The easiest way to deal with an ex is to eliminate them completely from your life. Still there are often situations when you still have to deal with ex-boyfriends. Here are some tips you can use.
Remember, he is your ex for a good reason. Chances are that you and your ex broke up for a good reason. While there are circumstances where reconciliation can make sense, if your relationship was turbulent, abusive or incompatible, it is best to reconcile with yourself that this person will say an "ex".
Separate your emotions from your reactions to your ex. Remember your relationships is over, so you should not respond to each other as if you were in a relationship. Let go of any lingering feelings you may have from the relationship. You should feel neither intense love or hate for this person. Get counseling if you need it.
Move on with your own life. Now that your relationship is over, it is time for you to explore your options and to let them do the same. Do not allow your ex to question your personal life choices and stay out of his business as well.
Do not cross the line back into relationship behavior. Do not try to flirt with them, and don't let them try to charm you. Treat them no differently, than you would treat any friend or co-worker.
Once you are over the feelings from the relationship, try becoming friends. Once you have dealt with your emotions over your ex, and are living an individual life again without complications of a relationship, you may want to consider being friends with this person again. Try to think of them as someone you have just met and have no history with. If you have to see them regularly, it is the healthiest thing you can do.
- When you first break up with someone the best thing you can do is to put some distance between them and yourself and not deal with them at all.


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Jeff Mangum, genius, is married to Astra Taylor! That was the sound of my mind exploding. Taylor is a filmmaker who was "unschooled" by hippie parents, thus making her a subject of great interest to yours truly. To my chagrin, she has drearily conventional political beliefs, but she's clearly an extraordinary talent. I suppose romanticize the unschooled more than I should.
Taylor Clark's piece on Mangum, by the way, is wonderful.
And if Aeroplane really is Jeff Mangum's final statement to the universe, maybe we should be happy with that—not because of some tired line about going out at your peak (which he likely didn't reach), but because his story is a kind of modern fable. Many fans see his disappearance only in selfish terms: They've been deprived of more great music for no good reason. They can't understand why Mangum would shun success just to shuffle through his days, and, indeed, when musicians abandon this much promise, the culprit is usually drugs or debilitating accidents or people named Yoko. So he must have gone nuts, right? Well, no. After all, what if Mangum is just being honest? What if he poured his life into achieving musical success only to discover that it wasn't going to make him happy, so he elected to make a clean break and move on? We should all be so crazy.
There's a lesson in this for all of us, and it reminds me of the great confounding variable in the inequality picture: what if not everyone is seeking the most remunerative employment they could possibly find? It could be that if everyone did seek the most remunerative employment they could possibly find, we'd have a somewhat higher GDP, we'd outsource somewhat more household production, and wages at the lower end of the scale would be somewhat higher. So in some sense those who choose to live life at a slower pace, to consume more leisure, or who pursue enjoyable yet not terribly useful lines of work (let's be frank) are actively disadvantaging others, according to a G.A. Cohen-like schema.
But how preposterous is that? To think that we ought to be conscripted in this way miserable strikes me as obviously wrong. There's a finer point to this that I'm having a hard time articulating: freedom is instrumentally valuable because it delivers greater wealth and health, but the decisions of the Mangums form a well of cultural resourcefulness, a background of creative intelligence, that has less-obvious benefits as well. The Soviet vision of mobilizing all our human resources, a vision that seems to animate (and I know this sounds awfully polemical) the inequality-obsessed, failed because it was fundamentally inhumane. Insofar as so-called upper-tail inequality is driven by a diversity of preferences and lifeways in one of the world's very few truly freeish societies, I hope we understand what we're losing when we seek to eliminate it.
It happens to only be the second best thing in Slate this week, after Josh Levin's "I'm the idiot who bought an HD-DVD player."


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Rakesh Ramauthar
Finance ManagerHaving decided to follow a career in finance and accounting I began my audit articles and was offered Audit Trainee (Articles) at a company called Fordham & Oshry where I completed my studies, articles and then stayed on as an accountant for an additional year.
I was then headhunted, by JR Hollis and Co. to join them as an audit manager where I stayed for a couple of years. I quickly realised that I would become bored of an audit environment and so decided to change my career path and enter into the corporate world.
Joining DHL Supply Chain as a Financial Accountant was the first step into the corporate environment which I found stimulating and very informative.
My next move was to the Argent Steel Group, as a Financial Manager, where I added to my wealth of knowledge and experience in the industry.
My next challenge was the Software and IT industry, which would most certainly add an integral part of my career as a Financial Manager when I joined AIGS which is a successful software distributor and retailer of Progress software and Yellowfin BI Software in current and emerging companies in South Africa and Sub-Saharan African regions.
My ultimate goal has now been set to achieve my MBA, which may allow me to be successful in my future growth from this company, as the potential here is limitless.


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We\'ll try to keep this brief today, as the event of the moment KIA @coldhawaii PWA Klitmoller is kicking off in fine style – if you do nothing else today, just watch this! Much more at worldcup.coldhawaii.eu
It\'s looking like a Kauli Seadi, Victor Fernandez, Ricardo Campello and Phillip Koster final four in the first single – but with a strong British showing we\'ve already seen John Skye and Ross Williams advance to the quarter-finals. See yesterday\'s report and keep up with the standings today at pwaworldtour.com
Kauli has arrived in Denmark fresh from a win at the Ibiraquera Wave Contest, as we reported last week – and now for the full story of the event, you can hit neilpryde.com
Meanwhile Ross Williams has arrived in Cold Hawaii fresh from a racecourse win elsewhere in Denmark at the Waterz Downwind Slalom Marathon race in Hvide Sande. Over 250 competitors registered for Saturday\'s headline slalom contest, and Rossco came in first ahead of Jesper Vesterstrøm and Nikolai Kruppa. Full results at waterz.dk and more reportage on Sean O\'Brien\'s tour diary at aus120.com
Right on cue, Ross\'s sponsors Gaastra have released details of their new Formula board – the Gaastra Vapor Racing 2 promises to "blitz the fleet out of the starting gate and annihilate anything in its path" at gaastra.com
Day one of the RS:X European Windsurfing Championships is being described as \'champagne racing\' in a 15-knot breeze out in Bulgaria. After a third race today Greece\'s Byron Kakalanis leads the men from Poland\'s Myszka Piotr and Israel\'s Nimrod Mashiah, while Israel\'s Lee-el Korzits has posted three bullets to lead the women\'s fleet ahead of Poland\'s Sofia Klapecka. Of the Brits, Bryony Shaw has slipped back to fifth, Izzy Hamilton\'s back in 12th, eight points behind Claudia Carney in 11th. Here\'s the day one movie – more at rsxclass.com
And here\'s one that nearly passed us by – Hyeres in France hosted the IFCA Women\'s Slalom World Champs and Junior, Youth and Masters European Champs, 7-11 September. France\'s Delphine Cousin emerged victorious in the main event ahead of Lise Vidal, while Benjamin Auge was first junior, William Alikiagalelei first youth, and breaking the Gallic stronghold Pedro Soares from Portugal finished first master. More at internationalwindsurfing.com
Onto the speed course, there\'s an update on the European Speedsailing Championship on the IWA website after the German Champs last week – and as we get set for the tour finale at Weymouth Speed Week it looks like Britain\'s Zara Davis is well set up to take the Women\'s European Speed title, while in the men\'s fleet it\'s between two Swedes, Anders Bjorkqvist and Daniel Borgelind. More at internationalwindsurfing.com
Back in Britain, following the super-successful National Windsurfing Festival at Hayling Island a couple of weeks ago and last weekend\'s awesome Poole Windfest, this coming weekend it\'s Scotland\'s turn to tempt the freeride masses north of the border as Troon hosts Scottish Windfest, 17-18 September on yet another great forecast. More at scottishwindfest.com
And finally, out in France Hot Sails Maui freestyler Julien Mas has been taking tow-in to a whole new level: behind a wakeboard boat on Lake Monteynard. Check out this sick vid, and find out more at clubnautiquedauphinois.fr, hotsailsmaui.com and julienmas-f7.blogspot.com
More Windsurfing Videos
Photo Credit: PWA / John Carter


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MA Media & International Conflict
Graduate Taught (level 9 nfq, credits 90)
This MA programme is designed to enable students to develop understanding of the ways in which media interact with war, conflict and security in international contexts.
The programme analyzes the complex roles played by the media in the enactment and presentation of conflict situations and addresses the relationships among media, governments, the military, and NGOs in framing perceptions of international conflict.
Only graduate programme in Ireland and one of very few in the world that blends together elements of media studies and international affairs to provide an innovative and challenging course of study
Students can expect to take modules similar to: Media and US Foreign Policy, New Media and New Conflict, Public Diplomacy, Challenges facing US Foreign Policy. In addition they can select an optional modules for other Schools in the College. In addtion student will submit a thesis 12,000 - 15,000 words.
The programme is available on a full and part time basis.
Vision and Values Statement
This is an academic programme but is also suited to practitioners/professionals in a related field who wish to gain a broader understanding of the cultural and political dimensions of media responses to international conflicts. We value and therefore encourage our students to be active, motivated, autonomous learners who have a critical and reflective approach to the subject. We aim to provide a learning environment that will encourage students to think critically about the ways in which media interact today with war, conflict, and security in international contexts, both individually and as part of a group. As a result of this approach to learning, the programme uses teaching, learning, and assessment approaches such as seminar discussions, short and longer writing assignments, one-on-one advising, small group activities, presentations, internships, and engagement with practitioners.
Programme Outcomes
Students should be able to communicate in interdisciplinary, academic language about the cultural and political dimensions of media responses to international conflicts, with special emphasis on contemporary events.
apply knowledge in a variety of professional settings or in the form of further study, including at the doctoral level.
develop a sophisticated understanding of the ways in which media interact with war, conflict and security in international contexts.
display an understanding of interdisciplinary modes of study.
demonstrate an ability to communicate in writing and in public speaking with a variety of specialist and non-specialist audiences.
learn skills that will enable them independently to accumulate further knowledge in this or other subjects.
develop significant expertise in a chosen subject by writing a MA thesis of approximately 12,000 words with an individual supervision from an academic member of staff.


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There is always this tenuous line between legality and morality. The law has never really been independent of religion / morality.
My People Are Going To Learn The Principles Of Democracy The Dictates Of Truth And The Teachings Of Science. Superstition Must Go. Let Them Worship As They Will, Every Man Can Follow His Own Conscience Provided It Does Not Interfere With Sane Reason Or Bid Him Act Against The Liberty Of His Fellow Men… Mustafa Kemal Atatürk
On Sallah day, somebody asked a Nigerian, resident in Canadian,
Is Today A Public Holiday In Canada, Too? Do they have Muslim and Christian specific holidays, as we have here in Nigeria
And he got the response,
Muslim specific holidays aren't recognized in Canada
I wrote the post.. All Play And No Work where I complained about too many holidays granted by government in Nigeria. Now, not only are there too many holidays, government seems to be at liberty to spend taxpayers' money meddling in religious matters.
The Judiciary also seems to tread carefully where religious matters are involved.
Last I checked , Nigeria is a secular country, by law.
Here is the definition:
Adjective: Secular |Sek-yu-lur| Of Or Relating To The Doctrine That Rejects Religion And Religious Considerations
Not Concerned With Or Devoted To Religion Secular Drama Profane Earthly, Impious, Laic, Lay, Profanatory, Secular, Temporal, Worldly
Secularity is not about how many people practice a religion, but the constitutional decision of the state to NOT be involved officially in religious matters .
It is therefore amazing when you read news like :
Sallah: Fayose Distributes Rams To Ekiti People
Osun State Governor Announces Free Train Ride For Sallah
LAGBUS To Provide Free Bus Rides On Christmas Day
…and we don't seem to think there is anything wrong in deploying taxpayers' resources to what is (or, should be) a strictly private matter.
Government has been sponsoring pilgrimages for years, and it is only in scanty instances you have protests like : FG, CBN, States, Others Sued For Sponsoring Pilgrimage
…with nothing coming out of these protests..
Someone tried to counter the notion that religion should be a private rather than public government affair by quoting:
In the words of Émile Durkheim , religion differs from private belief in that it is "something eminently social"
My response,
So, if I decide to worship the table in my sitting room as my god, is that eminently social?
Religion should actually be a private thing, and the state shouldn't recognize, or meddle in it in any way.
What about holidays for the Sango worshippers, the Buddhists, the Igbe worshippers? etc.
Are you not marginalizing them by not allocating holidays to them, too (because they are in the minority)?
Where is the end to this?
Why is it that even the law hardly ever takes its course where religion is concerned. ? You can break environmental laws, Constitute Yourself Into A Nuisance and Pervert Justice, with seeming impunity?
Is The Law Officially Subservient To Religion In Nigeria?


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Various "Death Always Follows"
€12.00 / Sold Out
CD, compilation
Artist(s): 2NF, Ferro Mortem, Die Kombination, Renoir, Skander
Label: Endangered Species
Cat. no: ES008
A compilation featuring 13 previously released as well as unreleased, never before heard tracks from mainstays of the label.
Gut-wrenching texture, mythical soundscapes underlaying the decay of civilization, harsh industrial rhythms which are reminiscent of the bloody taste of rust in your mouth.
Mastered by Kris Lapke
Artwork & design by Darja Bajagic
Limited to 300 units
- buyers from the US, please get directly in touch with label for purchase -


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Project aim
To raise much needed funds to transport donations and essential supplies to the people suffering in Calais' Jungle.
About the project
Hello lovely, kind and generous peope, if you have gotten this far then you have a heart of gold and I thank you for your time :)
Here we go...
In Calais, as you read this there are thousands of people, too many of them children suffering the most horrendous conditions. Some of them have endured horrific journeys to get this far. Loss, fear, sadness and uncertainty are a part of daily life and unfortunately the number of people stranded in Calais is only set to grow.
By helping out with this journey you can help myself and our volunteers offer a small amount of comfort and practical help to these people during the harsh months of winter.
Approximately £1000 will pay for a van to do a round trip enabling 3 people to volunteer for a week, and one tonne of donations to be delivered.
Anything raised above and beyond will be spent on items which need to be bought new - basic medical supplies, fist aid kits, sanitary products, wash kits, food and other essentials.
And if we happen to get double what we've asked for - 2 trips! :D
There is a HUGE backlog of donations being stored in the East MIdlands which are desperately needed out in Calais.
It would make my day to be able to fund multiple runs and to be able to fund the van to be used as a workhorse shifting and sorting donations in between runs.
After delivering the donations myself and 2 volunteers will stay over in The Jungle for roughly a week to help the core team of resident volunteeers where ever they need it. Vans with drivers and extra hands are in high demand in Calais for the distribution of donations and to assist with the frequent and large evictions and 'clean ups'.
We intend to travel the 2nd week in December as this is the time when least people volunteer and the weather will have well and truly turned wet and cold meaning supplies and helpers will be desperately needed.
If you would rather donate 'items' over cash then please feel free to contact me and I'll give you the most up to date list of thing which are most desperately needed. Whilst volunteering we are likely to be doing a lot of clearing and cleaning up so heavy duty rubble sacks and gardening gloves would also be really handy, maybe you could add a pack to your weekly shop?
Any questions please do not hesitate to contact me.
And lastly thank you SO SO SO much!
Cheers to you, you beautiful people! :) <3


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Lil Wayne is in some hot water with Uncle Sam, owing more than $12 million in taxes.
While we're quite sure Lil Wayne is not having financial troubles (he's worth an approximate $135 million at this point), he's nonetheless neglected to pay his taxes for 2011 and 2012, resulting in quite the tax lien.
TMZ reports on Weezy's tax evasion, stating that for the years 2011 and 2012 Wayne owes more than $12 million to the IRS-- for 2011 he owes $5,843,952, while 2012 has a debt of $6,311,132.
This isn't Lil Wayne's first time facing tax evasion. From 2008-2009 he owed around $7 million, but he cleared up that debt in 2012. Hopefully he'll clear this one up soon.
The Young Money crew will be dropping their new compilation album Young Money: Rise Of An Empire come March 11th. They released the tracklist for the project a few weeks ago, peep it here. Listen to the Lil Wayne-featured single with Euro & Birdman, "We Alright" here.
Weezy also has his solo album on the way, the highly anticipated Tha Carter V, for which Drake announced the release date during an NBA All-Star weekend performance at the House Of Blues, it'll arrive on May 5th.
Are you looking forward to both album releases? Let us know in the comments.
You can catch up with Tunechi on his newly-launched #WeezyWednesdays vlog series here.


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Two major and very different trailers arrive today. The first for the much anticipated adaptation of John Green's acclaimed novel "The Fault in Our Stars" about a love story between two teenagers who fall in love at a cancer support group.
The other is "Animal Kingdom" director David Michod's new post-apocalyptic drama "The Rover" starring Guy Pearce and Robert Pattinson. Set in the Australian desert ten years after society collapses, Pearce plays a man who takes an injured member of a gang hostage in order to use him to get back a stolen possession.


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As our growing population turns increasingly to the community and its many resources, our opportunities for making one-to-one contacts with the public will increase. As the nation keeps enlarging, it has also become more centralised in urban areas where individuals have less opportunities to interact with agency representatives. The task of reaching these public and providing them with accurate information and the ability to participate in the many aspects of fire protection and safety processes becomes necessary. Fire disaster has evolved into one of the greatest human tragedy over the last two decades in the Country.
Unfortunately, the disaster has taken an unusually large toll on the lives and property of people in this country. It has defied all boundaries affecting persons of all categories in its frequency of occurrence in the society leaving in its wake an ever increasing loss of lives and property worth billions of naira.
Nigeria, Africa's most populous nation is bearing this huge disaster which is taking a high toll on her resources, both human and natural.
This disaster and its effects are challenging human understanding and management of complex safety conditions which were considered manageable in the past. With the passage of time and increasing knowledge of fire and its attendant consequences, it is becoming increasingly clear that standard operating procedure, will reduce disaster and bring about a better quality of life and property. Fire education is aimed at changing people's behaviour through awareness and knowledge of fire with its consequences on the lives and properties of individuals.
Educating the populace on fire safety and related emergencies will be important to the management of these challenges. This enlightenment is becoming increasingly important as the end goal will reduce the catastrophic loss of life, properties and natural resources. Hence, informing and educating the public adequately about fire safety and prevention will reduce the outbreak of fire to the barest minimum thereby encouraging the growth and development of the community.
1.2 What Is Public Information And Education? Public information and education as it relates to fire and rescue services, is a procedure that is designed to promote awareness of hazards, encourage prevention, provide emergency information, and foster good will and support in the community.
Based on the above knowledge, the goals of public education and information are highlighted below:
Alerting the public about potential impacts and available means to avoid fire hazards.
Providing general information concerning appropriate handling of fire related equipments.
Improving public awareness/understanding of risks involved when fire and other emergencies are not properly managed or handled.
Promoting safety in dwellings, offices, work places etc.
The ultimate goal of public information and education is to change people's opinion and behaviour with respect to hazards and emergencies. Thus, it is necessary to note some fundamental things about human beings as it relates to public information and education.
(i) Public information and education works best when the public materials and approaches used bring about uncertainty in the minds of the people, causing them to wonder about their environment and to question their safety in it.
(ii) public information and education is effective when; (a) it raises questions in the minds of the people, (b) offers fairly simple answers and (c) authorities (Fire Service) or specialist are available to provide additional information when people seek it.
(iii) Within a general public, there are diverse segments of people defined by levels of formal education, gender, ethnicity, age, family connections etc., and these defining factors have effects on the level of impacts public information and education have on the people.
(iv) Human thought process about future events is binary: It will happen/it will not happen, it will affect me/it will not affect me etc.
(v) People are more apt to follow an appropriate agenda if they work out a solution or come to a conclusion themselves, with helpful information from specialists. Most people change their opinion or behaviour when they think their own idea created the need to change.
Between the mid 1980's and early 1990's a research was carried out in the United States to determine factors that affects the effectiveness of public information and education on hazards, and there was a breakthrough. The results of this research are being regarded as the "immutable laws" of effective public education on hazards. They are listed below:
(i) Clarity: Complicated phenomena must be clearly explained in non-technical terms. Experts generally cannot accomplish this, so hire people that have communication skills to work with the fire professionals to craft the words that are to be given to the public.
(ii) Use varied sources: Information must come from various relevant sources including authorities (Fire Service), technical experts, scientists, Engineers, and from local people.
(iii) Rendering and Repetition of consistent information: The information people receive should be consistent, changes from the past should be explained and repeated frequently through different media and disseminated through varied networks, press, electronic media, community associations etc.
(iv) Use a stream of communications: Messages on TV and Radio are effective, but getting written documents-leaflets, brochures to people in homes, markets, offices etc is better.
(v) Tell people what to do: The most important information that can be given to people is to tell them what they can do before, during and after an event. In the fire and Rescue services, the prevention arm is charged with this responsibility.
(vi) Support people in their search for more information: If the information and educational effort is working, then you can be sure people will discuss it among themselves and will seek for more information.
(vii) Use words and clear graphics: Use simple language and support it with graphics and present them attractively.
(viii) Position Additional Information in the community: People always seek out more information on their own to validate what they have already had. So, position the kind of additional information that people will look for in known places and also inform them where they can find it.
The above listed principles are empirical. However, there are other principles that will also compliment their efforts, and they are also discussed below:
(i) Partnerships: Partnerships work better than if only one organization disseminates the information. The fire and Rescue services should partner with high profile organizations in their areas to achieve this.
(ii) Feature specialists: Fire Officers with professional competence in relevant areas should be featured in educational programmes.
(iii) Use different ways to communicate: Distribution of leaflets, send SMS texts, slots on Radio and TV.
(iv) Use multiple Languages: Public information and education efforts that have been conducted in multiple languages have worked than those that have just used one language. So the State Fire and Rescue services can use English and the dominant local languages in their States, while at the Federal level, English and the three major languages Hausa, Igbo and Yoruba should be used.
(v) Tailor Information for special groups: The general public consist of several groups and classes of people, so information should be tailored to suit these diverse groups.
(vi) Use a good mix of the verbal and the visual: The right mix of the verbal and visual ways showing films on videos, works very well with the public. So verbal information with video clip of a major fire incident will help a long way for the Fire and Rescue Services.
4.0 STRATEGIES FOR PUBLIC INFORMATION AND EDUCATION: The following strategies should be adopted for public information and education by the Fire Rescue Services;
Branding: Using distinctive project names and trademark, graphics, logos and catch-phrases, otherwise known as branding, can be an effective method of getting the target audience, to easily recognize any information related or pertaining to what we do in Fire Services.
Printed Materials: Printed materials can include information on activities or the primary assignment of the Service. They can be in form of brochures, Newsletters, Flyers, Fact sheets, and/or maps. Dissemination methods include mailing, hand delivery, placing in Newspapers, and handling out at key locations.
Brochures and Mailers: Brochures and mailers are printed materials containing pictures/graphics of your Service activities.
Newsletters: Periodic Newsletters provide details such as contact information of your Service, the profiles of Fire Men who work at a particular station, who the leaders are, schedules of duty etc. One other important fact that should be noted in the production of Newsletters is the novel idea of establishing a consistent time frame for publishing and distributing the newsletter such that readers know when to look for the next issue.
Press Release: Press releases are used to announce to the general public the usefulness of fire and its hazardous nature when wrongly used. The primary targets are the News Media including both print and electronic media. Copies of releases can be sent to other interested parties such as affected businesses, various States, local and government officials.
Media Alerts: Media Alerts are more specific and direct than news releases and can be effectively used to notify media about the Service responses, for example the prevailing weather condition at a particular period.
Mass Media: Outreach to radio, television, and newspapers should be a cornerstone of any public information campaign. It is important to establish a working relationship with reporters to encourage publicity that is positive and information that is accurate.
Earned Media: Earned media, or free media such as news stories and fire prevention information, should be used to the maximum extent. Fire Prevention campaign is typically considered newsworthy by local Media outlets, so it can be relatively easy to get news coverage.
Paid Media: Paid announcements of an upcoming major events such as Conference of Directors of Fire as we are having here today, National council on Fire etc, may use newspaper, radio or television adverts. Paid advertisements can also be used for progress updates, or to provide information regarding major changes in fire service activities. Paid advertisement can be expensive, but may be an effective way of reaching a wide audience.
Press Kit: A press kit containing information the media needs to get the word out about the daily/routine activities of the services allows consistent messages to be provided to the media and helps develop positive relationships with the media.
Business Survival Kit: Business survival kits may contain tips and tactics for success during emergency responses, business survival Videos, and general fire information. The kits help develop positive relationships with affected community or localities, and stress the importance of meeting the needs of the locality.
Public Service Announcements: Public Service Announcements (PSAs) can be used to support main messages of Fire Service activities plan. PSAs are useful in messages about safety during emergency responses. A timeline needs to be established to allow for the scripting of the message, recording and distribution.
Information Centres: In responding to disaster related cases, an establishment of an information centre can prove to be a useful strategy to disseminate information and provide a key point of contact for the public. It is typically located on or near the scene of the disaster spot/area and contains materials such as brochures, videos describing the incident, maps of the area, video cameras, microphones etc. In fact, this is a place where information as regards the incident is fully processed, analysed and sent out for public consumption.
Service Website: Fire Service Websites can provide both static and real-time information including general Fire Service information, photographs of various fire incidents recorded, etc. The Website should provide accurate and up-to-date information, be easy to navigate, and people need to know about it.
Public Meetings, Workshops and Community Events: Hosting public meetings or workshop gives the community where Fire Service station is located information and serves as an opening to gaining knowledge about what fire is all about. Events for gaining public attention and information dissemination include launching of new appliances, opening/commissioning of a new citadel of knowledge such as National Fire Academy, Visiting school assemblies, fairs, and informational workshops.
Coordination with Media/school/Business/Emergency Services Visual Information: This strategy uses videos, slides, and presentations to supplement public meetings, public information centre displays, or press releases for meetings and/or web-based dissemination. An appeal to the visual sense may help get the message across.
Public Opinion Survey: These surveys contain sets of question designed to elicit opinion on issues. Public Opinion Surveys serve as an effective method of determining general public attitudes and to educate the public.
Apart from the strategies earlier highlighted above, one other acceptable way is to increase public education efforts in terms of information to all Nigerians in preventing fires through:
TV campaign via Global TV network.
Posters and Postcards.
Radio campaign.
-advertisements will also run at various local radio stations across the States immediately after a significant fire, when people are more likely to hear and respond to the messages.
Why public information and Education should be carried out:
(i) People already think they know everything they need to know about fire safety, the campaign must aim to break through that barrier.
(ii) The public depends on their local Fire Services for fire safety information and advice.
(iii) The public and Industry need to receive uncomplicated information at moments and points of relevance
Public information and Education in Fire Prevention, suppression and mitigation is an important tool that when properly coordinated and used by all Fire Services nationwide will increase the overall performance of the services, increase public awareness on fire, promote a good working relationship between the Services and the public, raise the confidence of the government at all levels in the ability of the fire services to create a fire safe Nigeria and turn around the hitherto unsavoury perspective of the Fire Services in the eyes of over 140 million Nigerians.
Continual education of the public on issues of fire prevention and control will equip and embolden the citizenry on how to eliminate the occurrence of fire incidences, and when it happens, what to do during and after the occurrences.
In the light of the foregoing, the paper observes and recommends as follows:
(i) That Government (Federal/State/Local) should sufficiently fund the Fire Services Nationwide for the purpose of pursuing and executing its policies on public Information and education.
(ii) That Private and corporate organizations should be encouraged to partner with various Fire Services in the country in sponsoring enlightenment programmes as it relates to Fire Education and Information.
(iii) That Government (Federal/State/Local) through the Nigeria Broadcasting commission (NBC) should impress it on the Media Houses to make provisions of advertisement slots, at reduced and affordable prices.
(iv) That GSM Providers should help in disseminating information of the services through SMS freely or at much reduced prices.
(v) That the Fire Services be urged to operate websites where members of the public can access information.


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Americans Prefer Their Water Clean, But Not Pure
When a chemical spill leaked into West Virginia's Elk River last week, people were warned not to drink, cook or even wash their clothes in the water. NPR's Lynn Neary speaks with James Salzman, author of the book Drinking Water: A History, about the fairly recent history of the government regulating drinking water.
Americans Prefer Their Water Clean, But Not Pure
This is WEEKEND EDITION from NPR News. I'm Lynn Neary. When a chemical spill leaked into West Virginia's Elk River last week, people were warned not to cook with or even wash their clothes in the water. It was only safe for flushing toilets. Yesterday afternoon, West Virginia authorities announced that thousands more customers could resume using tap water, though pregnant women were urged to stick with bottled water. And underlining the extent of the damage, the company that's been blamed for the chemical spill filed for bankruptcy yesterday. Americans have come to expect that the water flowing through their pipes is safe, but our next guest tells us clean tap water is a fairly recent development. Jim Salzman is the author of the book "Drinking Water: A History" and a professor of environmental law at Duke University. I asked him when it became standard for American tap water to be considered clean.
JIM SALZMAN: Well, what's interesting is that to a certain extent it's always been considered clean and drinkable. What's changed is our notions of what's safe. So, for example, if you and I could go back in a time capsule to, say, London about 160 years ago, there was a well that was there in the middle of London called Soho Pump, and it had some of the best drinking water in the whole city. Well, right next to it was a pit that was used basically for dumping carcasses, soiled nappies and everything. I couldn't pay you enough to drink that water yet at the time it was prized water.
NEARY: So, when exactly did federal regulation of drinking water begin in this country?
SALZMAN: Well, it turns out it's the 100th anniversary of the first public health service standards for drinking water. And the concern at the time was the federal government was not willing to tell states and towns, municipalities you have to treat your water. So, what they did was they required interstate common carriers, essentially trains, buses, ships, to have water that met these standards, which essentially meant chlorinated water. But the fact is the trains and the buses went through so many towns and cities that this was real impetus for those cities to actually add chlorination to their own drinking water supplies.
NEARY: So, up to a certain point, people thought their water was safe and clean but it really wasn't. And then once people began to understand that though, did they become more demanding about their water? Is that what happened?
SALZMAN: Well, it's a really interesting transition. So, 1908, the very first city in the U.S., Jersey City, decides to chlorinate its drinking water. And chlorine is what really changes things dramatically. And what's interesting, from today's perspective, is that chlorination actually knocked the bottom out of the bottled water market.
NEARY: What do you mean it knocked the - 'cause I always think of the bottled water market as being quite new.
SALZMAN: Well, it's ironic. There was a big bottled water market in the U.S. late 19th, early 20th century. It was basically seen as healthier, better for you. And this newfangled chlorination essentially made water really safe to drink for the first time, in some respects, ever. And as a result, tap water became a newfangled thing, which is very ironic, considering the reputation today of bottled water versus tap water.
NEARY: Yeah. Why did bottled water become popular again?
SALZMAN: So, it was popular to a certain extent throughout the 1930s, 1940s, 1950s. Bottled water in the sort of single serve and liter size that we think of really was a niche market in restaurants until the late 1970s. And Perrier really for the very first time put a lot of money into their marketing budget and they got very lucky with their timing, 'cause it coincided with the fitness craze. I mean, think about it. Jane Fonda and aerobics. And what happens to really push it long is that Nestle ends up getting in the act with Perrier; Coke launches Dasani; Pepsi launches Aquafina. And now all of the sudden what you have is mass distribution channels. Today - get this - per second on average, 1,500 bottles of water are being opened nationwide.
NEARY: Is there any such thing as truly pure water from any source, bottled or tap?
SALZMAN: Well, it's called distilled water, sure. It ends up actually not tasting very good. It's funny actually - for Aquafina and Dasani and actually the major bottled water brands, that's actually tap water that is passed through very fine filters. It's called reverse osmosis. And then the water actually is too clean to taste good. So, in the industry they call it pixie dust - they put some minerals actually back into the water to improve the taste.
NEARY: So, clean water tastes bad.
SALZMAN: Well, I mean, what's clean water, right? I mean, the water that we have out of our tap is clean. The water that we have out of bottled water is clean, right? The question is do you want water that has no contaminants in it all, which would be distilled, or water that's safe to drink? And the fact is we could certainly treat water if we wanted to, to the point where there's nothing in it, but we wouldn't be willing to pay the cost.
NEARY: So, what happened in West Virginia certainly doesn't instill confidence necessarily in a municipal water system I would think.
SALZMAN: The fact that this happens so infrequently actually I think is a testament to the quality of our drinking water. I mean, it's quite remarkable. I could go anywhere in the U.S. and have some tap water and not really give a second thought about its quality. I can't do that in most parts of the world. You know, there's no question you're right. We have to remain vigilant. There are always sources of contamination that water providers have to be worried about - natural sources, microbes, pathogens, bacteria and such. And then there are obviously these accidents. One of the reasons this chemical got into the system so quickly is that no one expected it to be in the water. And so the treatment system wasn't set up to deal with it.
NEARY: Yeah. And now they're telling pregnant women you may still not want to drink this water, although other people can. And that, I think, makes people feel like, well, what do you mean?
SALZMAN: Think about this, though. I mean, there are over 60,000 chemicals in commerce in the United States and only a fraction of those have had really significant toxicity testing. And so the chemical that's spilled here is something that's used to, you know, to treat coal. It's not something you'd expect to find in your drinking water. And that's not a justification for why we don't have the data, because we should have it. It ended up in our drinking water. But the scale of the problem I think is important to keep in mind as well.
NEARY: Jim Salzman is the author of "Drinking Water: A History." Thanks so much for being with us.
SALZMAN: Thanks.
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Clover Hana-Ami Flower Loom includes 6 shapes, for hundreds of different flower styles.Great as a simple pass time for kids, but sophisticated enough to produce complex motifs and garments.
We stock an extensive range of knitting needle sets and knitting and crocheting accessories to help you complete your favourite projects or browse through a range of knitting and crochet patterns if you are in need of inspiration! We also stock lots of fun kits including pom pom makers and dolls which make lovely gift ideas.


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We had dinner tonight at the IHOP. It was a mixed bag. Raegan, Erin, and I got the 2 x 2 x 2, which is a couple eggs, couple pancakes, and couple pieces of bacon. These are hard to screw up, but IHOP managed to get Erin three extra pancakes. Ian got something new on the menu: fried chicken. The chicken was pretty good!
Service was uneven; I ran out of iced tea several times. The temperature in the place was really weird. When we got there, we were seated on the west side of the restaurant, and it was almost too hot. Then the A/C kicked on, and it was quickly uncomfortably cold. We asked several staff to turn the darn thing down or off, but it never really turned off, so we were glad to leave.
Our check was $48.46. We have had uneven experience here, and generally use it only as a fallback. That's still the case after this visit.
Tags: IHOP, Oklahoma City


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Don L. Oschwald, MD
Growing up in the Southwest, specifically in Santa Fe, New Mexico, I thrived in an area rich in culture and art. During my years as a surgeon doing mastectomies for cancer patients, my interest in plastic surgery began. At that time, I felt as though I was not doing my full job as a surgeon when I would perform a mastectomy for a cancer patient and did not "put her back together again." My desire to complete the process moved me into the field of plastic surgery.
A surgeon's ability to form 'anew' the shape and feel of a natural-looking breast and to carry those skills into other realms of cosmetic surgery, such as facelifts, abdominoplasty and liposuction, was a natural transfer of skill and expertise.
To me, this is the greatest art form we as surgeons can accomplish. Thus, it was only natural that my love of art and my surgical ability to shape, change, augment and transform the human form guided me into the specialty of plastic surgery.
Aesthetic surgery is more than a cosmetic procedure. It is a process that begins with an exchange of ideas. It is imperative that the plastic surgeon listen closely to your wants and desires. The surgeon's experience and expertise will then help formulate a plan to match your goals.
Along with the caring staff at Specialists in Plastic Surgery, my 25 years experience will then bring your goals to fruition. We will all provide you with personalized service in our accredited, safe, state-of-the-art facility.
Schedule a consultation with Dr. Oschwald


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Better Fuel Economy, Longer Tire Life, Enhanced Safety, a Smaller Carbon Footprint… and So Much More.
High purity nitrogen has been used as a tire inflation medium in critical applications, where safety, precision and economy are paramount concerns, for decades. The FAA mandates the use of nitrogen in all jet aircraft tires, it is the inflation standard in countless military vehicles, and is also required by Nascar, Formula One and most racing venues. Unfortunately, the high cost and complexities of generating and properly administering nitrogen have kept it out of the reach of the general motoring public until recently.
What makes nitrogen such a great inflation gas for tires? Actually, nothing… or more precisely, the fact that it is nothing. And nothing is exactly what tires should be filled with, as in: nothing but pressure. So if nitrogen is nothing, it can't possibly be beneficial… at least until you compare it to the alternative: air.


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Comfortable, High-Quality, and Holistic Dental Care
Welcome to the blog of the LANAP and Implant Center in Williamsport and Collegeville, PA. In this section of the website, we will post regular updates regarding our services and dental health in general. We invite you to stay tuned for these updates. In this initial post, we would like to introduce ourselves! Read on for more information about our practice and how we can help you.
Dr. David DiGiallorenzo and his team have been serving Pennsylvania-area patients, as well as patients across the country, for more than 20 years. Our practice offers periodontal and dental implant services that can help patients achieve healthy, beautiful smiles. We specialize in these services as a way to make advanced periodontal and restorative care available to patients in need. We also offer oral surgery options, TMJ treatment, and sleep apnea solutions. For a full list of the services we offer, please visit Our Services.
Holistic Dentistry
Holistic care is also something that sets us apart from other practices. We work with talented professionals to offer acupuncture, massage therapy, reflexology, and more at our Wellness Center. We also look very closely at the entire patient when considering treatment. Many dentists simply treat the symptom of the problem. Our team uses homeopathic techniques to treat the entire patient. We are concerned with your total-body health.
Comfortable Dentistry
We also want you to feel entirely comfortable in our care. We even cater to patients who experience dental fear or anxiety. To do this, we offer dental sedation as well as a range of comfort options. IV sedation and oral conscious sedation are great for helping patients feel completely relaxed throughout their visit. We also offer longer appointment times, private operatories, and music to listen to. Your positive experience is our top priority.
Make an Appointment
When you choose Dr. DiGiallorenzo and his team at the LANAP and Implant Center, you are choosing experienced, talented, and caring professionals that will help you achieve the results you want in a comfortable and holistic way. If you are ready to get the care you need in the environment you deserve, please contact our team. We will be happy to help you find a suitable date and time for your visit.
You can reach our Williamsport office at 570-505-6908 and our Collegeville office at 610-228-4366. You can also send us a message using our online contact form. Get the advanced dental care you deserve. We can't wait to hear from you.


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Hi everyone!
I always wear sunglasses when I'm outside and although I use to always wear the same pair (and only had one pair), I've now gotten into the habit of changing them up depending on what I'm wearing. One style I didn't have yet was a white pair so I was very happy when I got the opportunity to try the Catherine Wayfarer in White/Choc ($25.95 USD) from GlassesShop.com.
GlassesShop.com is an American owned and operated online retailer of eyeglasses. They have a wide selection of eyeglasses and prescription sunglasses (which you can also get without a prescription like I did).
My sunglasses came with a cleaning cloth and this case that I really like a lot.
I love the sunglasses; they actually have a retro vibe that I did not notice online. I do have to mention that they have GUCCI printed on the sides (which you can see a bit below) which is not in their online pictures, plus they don't even carry GUCCI. I won't lie, I was taken aback when I saw that because they're obviously not real.
I really like how they look and, like previously mentioned, the retro vibe that they have. My mother used to have a pair of white sunglasses back in the 80s and these remind me of hers.
I do feel self-conscious wearing them in public though because of the GUCCI print on them. Anyone know how to remove it without damaging the sunglasses?
For now they're my driving sunglasses – I leave them in my car. They're easy to slide on and off and block the sun well.
GlassesShop.com makes it easy to shop for eyeglasses online. Get 50% off on eyeglasses and sunglasses with free lenses (sale frames excluded) with code GSHOT50.
– Chantal 🙂
Computer geek by day and super mom by night, Chantal loves to try products of any kind and share her thoughts with the world.


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North Forest defies order to fire teachers
The North Forest school board has defied a state order to fire all its teachers for the upcoming year, continuing its protest of the Texas Education Agency's decision to have Houston ISD take over the long-troubled district this summer.
A TEA appointee, Doris Delaney, ordered the board during a public meeting Monday night to terminate the teachers' contracts, but the trustees unanimously refused, voting against the proposed motions or failing to second them.
Debbie Ratcliffe, a spokeswoman for the TEA, said Tuesday that agency officials are pondering their next move but expect to work out a plan to ensure the terminations occur so the Houston Independent School District is not responsible for paying millions of dollars to fulfill the teachers' contracts.
"It's really a difficult situation for everybody," she said. "I have a feeling it's going to get worked out. But how quickly that happens I don't know."
Ratcliffe declined to answer specific questions - including whether TEA Commissioner Michael Williams could simply terminate the contracts without the school board's vote - because of legal concerns.
Under state law, teachers in any district have to be given notice before the end of the school year if their contracts are not going to be renewed for the following school year.
HISD Superintendent Terry Grier has not promised jobs to the 900 or so North Forest employees - TEA has not ordered him to do so - but he has said he will hold a job fair and those interested can apply to open positions.
Complicating matters, the president of the North Forest teachers' union, Betty Robinson, said Tuesday that she plans to file appeals on behalf of the teachers she represents if they are fired.
Under state law, teachers can appeal to the TEA to get their jobs back.
With North Forest set for closure, Robinson said she is considering asking the TEA to require HISD to hire her members.
Ratcliffe of the TEA would say only that the North Forest teachers do have appeal rights.
The North Forest trustees, explaining their defiance over the mass firings, said they considered the TEA's order "awful" and "immoral."
Community members at the packed meeting seemed to agree, calling out, "Don't do it. Stand up to them," according to Sue Davis, a spokeswoman for North Forest ISD.
The North Forest school board has appealed the state's closure order in an administrative court in Austin and has vowed to keep fighting in other courts.
The Houston Chronicle reported this week that North Forest has spent $595,837 in related legal fees from July 2011 through this March.
Ratcliffe said the TEA is optimistic it will get authority from the U.S. Justice Department to make the closure official July 1.
The federal agency has to sign off because the annexation involves voting rights.


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- Overview
Front Matter (Title Page, TOC, Preface and Forward)
This best selling title has been thoroughly revised to reflect the 2015 International Building Code, this full-color handbook makes it easy to understand and apply complex IBC provisions and achieve compliance. Covers structural and fire- and life-safety requirements, this practical resource has been designed to save time and money. 2015 International Building Code Illustrated Handbook provides all the information you need to get construction jobs done right, on time, and up to the requirements of the 2015 IBC.
• Updated to reflect the 2015 IBC
• Covers both fire- and life-safety and structural provisions
• Includes more than 500 full-4 color illustrations
• New 7.5" by 9.5" easy to use text book size
PURCHASE THE PDF DOWNLOAD VERSION AND GET IMMEDIATE ACCESS!!! This convenient option is a searchable PDF download that requires a PDF Reader. This option is mobile friendly and compatible with all devices, including mobile tablets and smart phones. The PDF Download is licensed per individual in which the individual can place on up to four electronic devices for their personal use. Distribution of the PDF is not permitted. For a volume license the PDF is licensed to the person in which it is assigned. Use on a local area network or other network is not permitted.
For ICC certification examination rules related to exam reference materials review Test Site Regulations
- Details
- 978-1-25958-612-5
- Authors:
Douglas W. Thornburg, AIA (bio),
Douglas W. Thornburg, AIA
Douglas W. Thornburg, A.I.A., C.B.O., is the Vice-President and Technical Director of Product Development and Education for the International Code Council (ICC) where he provides leadership in the technical development and positioning of support products for ICC. In addition, Doug develops and reviews technical products, reference books and resource materials relating to the International Codes and their supporting documents. Prior to employment with ICC in 2004, he spent nine years as a code consultant and educator on building codes.
Formerly Vice-President/Education for the International Conference of Building Officials (ICBO), Doug continues to develop and present building code seminars nationally and has developed numerous educational texts and resource materials. He was presented with ICC's inaugural Educator of the Year Award in 2008, recognizing his outstanding contributions in education and training. In addition, he was the recipient of ICBO's prestigious A.J. (Jack) Lund Award in 1996.
A graduate of Kansas State University and a registered architect, Doug has over 32 years of experience in building code training and administration, including ten years with ICBO, and five years with the City of Wichita, Kansas. He is certified as a building official, building inspector and plans examiner, as well as in seven other code enforcement categories. Doug has authored a number of publications, including the IBC Handbook – Fire and Life Safety Provisions and the Significant Changes to the International Building Code.
John Henry, P.E.
John is a Principal Staff Engineer in the Business and Product Development Department of ICC. During his 16 year-tenure with ICC, he has worked for the code development department, technical services, government relations, training and education, and product development. He is now responsible for the research and development of technical resources related to the structural engineering provisions of the UBC, IBC and IRC. He serves as project manager and technical reviewer for the structural and seismic publications published and co-branded by ICC. John also develops and presents technical seminars internationally on the structural provisions of the I-Codes. He has written several technical articles on the structural and seismic provisions of the IBC that have appeared in both Structural Engineer & Design and Structure magazines. John is co-author of Significant Changes to the 2006 International Building Code, Significant Changes to the 2009 International Building Code and Significant Changes to the 2012 International Building Code published by Delmar Cengage Learning. He is co-author with S.K. Ghosh, PhD, of the 2006 IBC Handbook — Structural Provisions, 2009 IBC Handbook—Structural Provisions and 1997 UBC—2006 IBC Structural Comparison & Cross Reference. John wrote the structural chapters in the 2006 IBC Plan Review Manual and contributed to the 2009 IBC Q&A – Structural Provisions and the structural portion of the 2012 IBC Commentary. He graduated with honors from California State University in Sacramento with a Bachelor of Science Degree in Civil Engineering. He is a Registered Civil Engineer in the State of California, a member of the Structural Engineers Association of California (SEAOC) and an ICC Certified Plans Examiner.
- Publisher:
- ICC/McGraw-Hill
Online Bonus Items:
FEMA Publications related to earthquake safety and seismic design including 2009 NEHRP Provisions and Commentary.
- NEHRP Recommended Seismic Provisions for New Buildings and Other Structures, 2009 Edition - Part 1 Provisions, Part 2 Commentary (FEMA P-750)
- Homebuilders' Guide to Earthquake-Resistant Design and Construction (FEMA 232) Primer for Design Professionals Communicating with Owners and Managers of New Buildings on Earthquake Risk (FEMA 389)
- NEHRP Recommended Provisions: Design Examples (FEMA 451)
- Training and Instructional Materials (FEMA 451B)
- Seismic Considerations for Steel Storage Racks Located in Areas Accessible to the Public (FEMA 460)
- Techniques for the Seismic Rehabilitation of Existing Buildings (FEMA 547)
NIST Publication: Technical Brief No. 2 - Seismic Design of Steel Special Moment Frames: A Guide for Practicing Engineers (NIST GCR 09-917-3)
Wind Speed: ATC Wind Speed web site provides users with site specific wind speeds based on ASCE 7-10 using the GPS coordinate system.
ICC Guidelines.
- ICC G2-2010 Guideline for Acoustics
- ICC G4-2012 Guideline for Commissioning
Helpful Articles from ICC's Building Safety Journal.
- Building Disaster Prevention into the Cultural Fabric of the Developing World by Steven Forneris
- Designers, Reviewers, Builders, and Owners: We Are All Rick Mangers by Armin Wolski
- Designing Buildings: An Exercise in Risk Management, Part 2 by Armin Wolski
- Green Roofs: A New American Building System by Charles D. Miller
- The International Wildland-Urban Interface Code Can Help Reduce the Risk of Fire Problems
- Is there a Need to Enclose Elevator Lobbies in Tall Buildings? By Richard Bukowski
- Modern Seismic Building Codes for the Next 100 Years by John Henry
- Post-Earthquake Fires-the Ticking Time Bomb by Mark Kluver
Helpful Fire & Life-safety resources.
- Accessible Means of Egress, by ICC Codes & Standards Department "Ten Rules of Fire Endurance Ratings," by T. Z. Harmathy "Harmathy's ten rules" from 2012 IEBC.
- American Wood Council (AWC) DCA 4 – Component Additive Method (CAM) for Calculating and Demonstrating Assembly Fire Endurance


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valentine's day night picnic
Let Miles Kimball help capture their heart on Valentine's Day bbc worldwide is a commercial company that is owned by the bbc (and just the bbc). Decorate with wreaths, garden flags, and pillows valentine s day recipes make valentine's day special. Express your love to someone special with candy and find romantic dinner and dessert recipes for your sweetie, plus fun cookies for the kids. Like birthdays, Valentine s Day celebrations become repetitive after a few years valentine s day games and activities coloring pages, crafts, puzzles, party games, interactive games, poetry, printables, and stories for kids 30+ valentine s day desserts for your sweetheart. If you ve grown disenchanted with the fancy dinners, chocolates, and roses, worry cupid has his arrows, but you have chocolate-covered strawberry brownies. Get cupcake Recipes for your Valentine s Day celebration, including red velvet, chocolate, and brownie heart cupcakes, from Martha Stewart (you win. Love is in the air with these Valentine's Day recipes for everything from a romantic dinner for two to sweet treats everyone will love ) shop zazzle s valentine s day cards! browse through our great selection of designs or create your own custom valentines day cards. Shop our valentine s day collection and find everything you need for the most romantic valentines yet- cards, gifts, decorations & more get yours today! experience godiva s collection of valentine s day chocolate gifts and give a gourmet chocolate gift from belgium to that special someone today. What s in season? Find out what to eat when with our calendar of seasonal produce explore our valentine s day activities for children at ichild. View our seasonal calendar Make your Valentine s Day perfect with the most romantic Valentine s Day recipes including ideas for your dinner menu desserts and more from Food Network we have free valentine s day cards, crafts and colouring in pictures for kids. Valentine s Day is celebrated on February 14 make valentine s day special with decadent chocolate desserts from food network. It is a festival of romantic love and many people give cards, letters, flowers or presents to their spouse or partner these valentine s day recipes from f&w feature decadent chocolate desserts, our sexiest dishes for two, and more romantic ideas for the love-struck holiday. Valentine s Day history, fun facts, events and quotes this year for valentine s day, i decided to do the 14 days of valentine for my husband. When is Valentine s Day shown on a calendar for this year and next i made it ahead of time in case anyone else wanted to jump on the band wagon. Sexy Valentine s Day Lingerie makes for a fun and creative Valentine s gift idea for your sweetheart valentine's day is a time when people show feelings of love, affection and friendship. Yandy it is celebrated in many ways worldwide and falls on february 14 each year. com is your number one source for Valentine s Day lingerie say happy valentine s day with the perfect gift - every time. Valentine's date night ideas don't have to be fancy or expensive shop gifts. Share the love with these 19 romantic valentine's date night ideas and let the romance ignite com now! plan your valentine s day date night with our valentine's day movie guide. Food of love - romantic recipes for two find the perfect romance movie or romantic comedy for your special date night! hearts, ribbons, streamers and chocolate – it's time for valentine's day decorations. This website is made by BBC Worldwide check out everything shindigz has for valentine's party ideas. BBC Worldwide is a commercial company that is owned by the BBC (and just the BBC)


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Happy 150th Birthday Canada! Wishing you the best Canada Day ever! Click here to nab yours before it ends on 7/7/2017.
Happy 150th Birthday Canada! Wishing you the best Canada Day ever! Click here to nab yours before it ends on 7/7/2017.
Good morning!
Something is wrong with Chachingo Bingo. It is stuck on an 8:00 am drawing, even though earlier, I was able to enter #s for 10:00 am drawing. Please look into this & advise. I am missing out on several opportunities to be a gazillionaire. LOL 🙂
Thank you!
Chachingo Bingo is not working…my numbers have been locked since i got up this morning; i haven't been able to pick numbers since. I sent a message to player services, but if nobody's there since it's the weekend i don't know how it will get resolved. I have done everything i can possibly do on my end. Angel, i hope you see this and contact tech. I'm having a fit over this since the jackpot is high. HELP!!!
Happy Birthday, Canada. That is not why I am posting. ChaChingo Bingo is stuck right here on July 1st. Will it be fixed today, or have to wait until July 5th?
I am posting to say HAPPY BIRTHDAY to the wonderful country we have to the north of us. We need Canada to stand tall with us.
What a beautiful oodltctible Angel.Ijust collected mine. Happy fourth of July to you & all the GSN team
Dear GSNAngel and folks;
Thank you so much for the special Birthday Oodlectible!
We had a great day and an amazing party (hope we didn't disturb you too much with the noise).
Thank you again!
Happy July 4th!!
Hi Angel hope you are having a good day my problem is VBD it either freezes up after 2or3 games or keeps calling #s and they don't click or have to double click them I hit refresh and astrip comes up saying GSN is not responding due to a long running scrip my question is what does this mean and con it be fixed ? windows also pops up saying try to find a salution but to no avail cannot play because I lose tokens. Thank you for your time Mary


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0 being the most acidic while 14 is the most alkaline. 7 is neutral. The level of acid in the stomach is usually in the 1 to 3 range, very acidic. Looking at the chart you can see that it is similar in strength to battery acid! Let me repeat the fact that your stomach is made to handle this much acid.
Diets That Cure Acid Reflux Acid reflux (GERD) can be caused by lifestyle (obesity, smoking cigarettes, etc.), medication, diet, eating habits, and other medical conditions. Read about 17. Healthy Acid Reflux Treatment: Diet as Natural Cure for GERD. – Use a natural cure for GERD as your acid reflux treatment. Find which foods that cause acid reflux and how to
The reduction of stomach acid secretion by proton pump inhibitor drugs. The low pH environment of the stomach is maintained by proton pumps in the parietal cells of the gastric pits. These proton pumps secrete H+ ions (via active transport) , which combine with Cl– ions to form hydrochloric acid; Certain medications and.
In this week's Personal Health column, Jane Brody explores the science behind a low-acid diet, a diet laden with fruits and vegetables but relatively low in acid-producing protein and moderate in cereal grains. Its proponents suggest that this.
spicy foods or acidic foods can cause reflux or gastroesophageal reflux. Hydrochloric acid present in the stomach at a pH below 4.0 is responsible for starting
Stomach acid (HCl) is one of the signals that closes the sphincter between the esophagus and the stomach. In medical gobbledee gook lingo we call this the lower esophageal sphincter (LES). When the LES is closed, digestion typically functions well, and we don't see problems such as indigestion, acid reflux, or heart burn.
Hydrochloric Acid ;A great many factors contribute to proper digestion, abs
Mar 7, 2013. Considering battery acid (sulfuric acid — H2S04) is the strongest acid listed on most pH charts (it's about 0), the fact that normal stomach acid (hydrochloric acid — HCl) is next on the list should at least get your attention. Add to this the fact that on a pH scale, each number represents a factor of 10 (in other.
Mar 12, 2007. Only after this period of "pre-digestion" are hydrochloric acid and pepsin introduced. The acid inactivates all of the. Not only is there insufficient stomach acid to break down food, there is insufficient acidity to optimize the digestive enzyme pepsin, which requires a pH of around 2.0. This results in partial.
BBC – Make an acid-base indicator. Dr Yan uses some very colourful science to find out what's acidic in his kitchen. Take 1/4 red cabbage. Finely slice the cabbage. Put all the chopped-up cabbage into a bowl. Add a cup of water (roughly.
You may have noticed the buzz about alkaline water recently: It's a staple of the alkaline diet, and promoted by celebs like Miranda Kerr for its supposed health perks. production of hydrochloric acid (the kind found in your stomach).
The stomach pH value is maintained at around 4. When we eat food and drink water, especially alkaline water, the pH value inside the stomach goes up. When this happens, there is a feedback mechanism in our stomach to detect this and commands the stomach wall to secrete more hydrochloric acid into the stomach to.
. symptoms may be the result of a lack of stomach acid, to secrete hydrochloric acid. have a low and acidic pH. If the pH of the stomach is.
May 19, 2015. It turns out I had a very common but widely misunderstood condition called " hypochlorhydria," which is low stomach acid production. Hypo = low; chlorhyde = hydrochloric acid (or HCl for short). You see, the stomach needs to be very acidic – with an optimal pH of 1.5-3 – in order to activate pepsin, among.
One of the most common causes of reflux that I see in my practice is from "hypochlorhydria" or low hydrochloric acid. This is a condition. to our esophagus from our stomach contents backing up; – second, the highly acidic.
In this week's Personal Health column, Jane Brody explores the science behind a low-acid diet, a diet laden with fruits and vegetables but relatively low in acid-producing protein and moderate in cereal grains. Its proponents suggest that this.
Stomach acid is critical for digestive health! Learn the ways to increase stomach acid production and to incorporate HCL into your diet.
Make an acid-base indicator. Dr Yan uses some very colourful science to find out what's acidic in his kitchen. Take 1/4 red cabbage. Finely slice the cabbage. Put all the chopped-up cabbage into a bowl. Add a cup of water (roughly.
It is common knowledge that the stomach produces a small quantity of a liquid composed of various caustic materials, the most important being hydrochloric acid, along with enzymes and other chemicals that help with digestion. This.
Why is soda acidic and how does the phosphoric acid in cola reduce hydrochloric acid secretion in your stomach and cause digestive health problems ?
Many people think that an acidic stomach is a bad thing. They think the term "acid indigestion" means that they have too much acid in their stomach. Really, it's just the opposite. Today, we're going to talk about the importance of hydrochloric acid or stomach acid. Your stomach acid is probably one of the most important.
May 22, 2013. Further, lack of acidity in the stomach makes it more hospitable to bacterial growth (and the stomach should be relatively sterile). Low stomach acid can pave the way for. salt with meals, such as Real Salt. This provides chloride, the building block of stomach acid (sodium chloride and hydrochloric acid).
Chronic stress also tends to deplete HCL, characterized by consistent indigestion , and resulting nutritional deficiencies. Stomach acid is secreted from parietal cells, which are in charge of making HCL. This highly acidic environment helps to breakdown proteins, activate digestive enzymes, and facilitate in absorption.
Alkaline Water and Stomach Acid – iamhu.com – secrete more hydrochloric acid into the stomach to bring the pH value back to 4. So the stomach becomes acidic again. When we drink more alkaline water, more hydrochloric acid is secreted to maintain the stomach pH value. It seems like a losing battle. However, when you understand how the stomach wall makes hydrochloric acid, your.
3 Tips To Balance Your Stomach Acid, Fight Candida, – Healthy stomach acid is mostly made up of hydrochloric acid (HCl), and it's about as acidic as battery acid. In order for the body to release the right enzymes to digest food and to protect against outside microbes and parasites, your stomach acid must be strong and extremely acidic.
An acid is a molecule or ion capable of donating a hydron (proton or hydrogen ion H +), or, alternatively, capable of forming a covalent bond with an electron pair (a.
Hypochlorhydria is low stomach acid production and many people have it. 13 Signs you Have Hypochlorhydria. By. chlorhyde = hydrochloric acid (or HCl for.
Your stomach churns out nearly all of its hydrochloric acid when you begin eating. So, if you begin a meal with a salad, as many of us in this country do, you "waste " the acid. That's because the carbohydrates that make up a salad require no hydrochloric acid for digestion. Later, when the protein foods (meat, fish, beans, and.
Jun 24, 2014. [v],[vi]. LOW STOMACH ACID AND MALNUTRITION. Hydrochloride (HCl) should be secreted at the very beginning of a meal, or even in anticipation of the meal, to support the digestion of the food and help maintain the normal pH of the stomach. HCl converts pepsinogen into pepsin, an enzyme that assists.
The chemicals used are sulphuric acid, sodium chloride, sodium hydroxide, hydrochloric acid. have contaminated the groundwater and the soil has become acidic. We are unable to use water from domestic wells or irrigation wells." The.
It flares up when partially-digested food, hydrochloric acid and enzymes from the stomach back up into the esophagus. but avoid tomatoes, as they are acidic. Use condiments such as guacamole instead of ketchup for the same reason.
Internal layers of the stomach produce a hormone termed as gastrin. This hormone stimulates the production of hydrochloric acid. Acidity of the stomach is important to prevent bacterial growth, as food resides in the stomach before it is digested and hence, serves as a good medium for bacterial growth. Acid produced in the.
Low Stomach Acid (Hypochlorhydria) Symptoms. Low stomach acid is a digestive disorder in which there is a low level of hydrochloric acid in the stomach.
Q. Is yogurt good for acid reflux ? A. Yogurt could be great for strengthening the stomach walls and digestive enzymes. It could help with acid reflux because of the.
The stomach, defined as an acid-producing part of the gut, first evolved around 450 million years ago, and it's unique to back-boned animals (vertebrates). It allowed our ancestors to digest bigger proteins, since acidic environments deform.
Alice: It's very acidic acid. Les: It's very lethal stuff, isn't it? Narration: Amazingly, this makes my stomach fluid as acidic as chemistry lab hydrochloric acid and in fact, that's exactly what the stomach produces. Alice:.to see that.
but in many cases it's the opposite causing the problems – too little stomach acid is the culprit The environment of the stomach is highly acidic so that it can break down meats and other foods, protect you from poisoning and infection.
Hydrochloric acid, also called HCl, is a clear, highly corrosive liquid. HCl is one of the many chemicals released in our stomach when we eat a meal. The.
Aug 23, 2011. Hydrogen is vitally important for your stomach's production of HCL (hydrochloric acid). The higher the ph of the stomach, the weaker digestive functions will become. Hydrochloric acid (HCL) is the primary gastric acid secreted by your stomach. Its role in digestion and the regulation of ph in the body is.
Dec 31, 2014. Most people are familiar with antacid medication for heartburn or indigestion, and assume that stomach acidity is bad for you and must be decreased. The opposite is actually true and, in the majority of cases, most people with digestive problems have low hydrochloric acid or HCl. If you have a tendency to.
Jan 20, 2015. How to Improve Digestion With Betaine HCL. We're starting to learn just how deficient some people are in natural HCL levels and it's a common experience among people that eat healthy diets. Since animal foods are so acidic, they naturally cause more stomach acid, but they aren't the answer to improving.
spicy foods or acidic foods can cause reflux or gastroesophageal reflux. Hydrochloric acid present in the stomach at a pH below 4.0 is responsible for starting
Mar 15, 2017. Today's article divulges if drinking water dilutes stomach acid, a common question by those aiming to optimize digestive health. Let's explore why this myth became popular. HCl creates a highly acidic environment in the stomach, with the average pH level of 2. A few things to keep in mind: Most drinking.
"The horse's stomach continually produces hydrochloric acid," says Mathis. "The pH of the unfed (empty) equine stomach can drop far below 4.0, becoming extremely acidic, and is at risk for mucosal injury and ulcers. If horses are.
Why is soda acidic and how does the phosphoric acid in cola reduce hydrochloric acid secretion in your stomach and cause digestive health problems?
Middle schoolers in Gamagori City, Aichi Prefecture, were forced to drink diluted hydrochloric acid as punishment for failing to perform a lab experiment correctly. According to the local board of education, on Jan 18, a male science.
Laura Williams, M.S.Ed. is a personal trainer, freelance writer and entrepreneur who works with a wide variety of fitness clients. She's the founder of the popular website, – Girls Gone Sporty, and she's the host of the High Impact Blogg.
but in many cases it's the opposite causing the problems – too little stomach acid is the culprit The environment of the stomach is highly acidic so that it can break down meats and other foods, protect you from poisoning and infection.


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|1 day event
|$ 230.00
May 2nd, 2019 9:00 AM through 5:00 PM
|1 day event
|$ 230.00
We were sold out, but now we have a bigger room for you to join us! Sign up now.
Our one-day compliance conference will cover hot topics, data security and electronic signatures. We're bringing you national-level speakers at affordable pricing. Plus meet up with your compliance peers at our networking reception the night before.
Thanks to our generous event sponsor:
|5:30 – 7 p.m.
|Networking Reception Night Before during Drury Kickback Hour
|MAY 2 In Town Hall Room
|9 – 10 a.m.
Marijuana-Related Businesses
The manufacture, distribution or sale of marijuana is still a Federal crime even though many states have legalized certain marijuana-related activities. This conflict between Federal and State law has caused much confusion. FinCEN's guidance titled "BSA Expectations Regarding Marijuana-Related Businesses" attempts to clarify the due diligence expectations and reporting requirements for financial institutions seeking to provide services to marijuana-related businesses. FinCEN's guidance expressly states its intent was to enhance the availability of financial services for marijuana-related businesses. However, we've all heard stories about examiners that have threatened regulatory action if the institution continued to do business with a marijuana business even though the business was legal under State law.
This session will explain what steps your credit union must take if you want to provide services to marijuana businesses and what types of reporting is expected by FinCEN and other law enforcement authorities.
|10 – 11 a.m.
Electronic Signatures: Complying with the E-Signature Rules
The Federal E-SIGN Act permits the use of electronic signatures in certain situations. Do you know when it is permissible for your credit union to accept a member's electronic signature on a loan document or a deposit account signature card? Can your member require your credit union to accept an electronic signature if your credit union wants an original ink signature? Our new electronic age makes transactions more convenient for members, but it complicates transactions for credit unions unless your credit union understands the situations where electronic signatures are legally enforceable.
This session explains the legal and compliance issues that arise when a credit union accepts an electronic signature and when a credit union can reject an electronic signature.
|11 – noon
How to Handle Data Security Breaches
This session will explain the legal and compliance requirements that your credit union must satisfy to prepare for, and to respond to, a data breach situation.
|Noon – 1 p.m.
|1 – 3 p.m.
|Supervisory & Regulatory Hot Topics: Top Concerns for Credit Unions in 2019
Jared Ihrig, CUNA
In today's regulatory environment, there are so many rules and laws to keep up with. It feels almost impossible for credit union compliance officers, management and boards to stay on top - let alone ahead of the examiners and auditors. Jared Ihrig, CUNA's Chief Compliance Officer, will discuss the top regulatory areas of focus for 2019, provide details concerning the latest in the federal regulatory environment and also discuss practical issues to consider surrounding examination trends and considerations for compliance professionals. Come listen and learn how to stay afloat in the world of regulations, while still providing excellent service to your credit union's members.
|3 – 5 p.m.
Don't Fall Victim: ATMs, Cards, Payments, Loan Fraud & Scams
Fraud costs companies, including credit unions, and consumers billions of dollars in lost time and money. Fraudsters continuously plot ways to con your credit union, your employees, and your members. This session will discuss spam, shams, and other scams impacting your lending operations, and the latest schemes and trends like skimming, shimming, jackpotting, cash-outs, card bin attacks, account takeovers impacting financial institutions.
In addition, you'll take away key actionable steps to help your employees and members remain vigilant in their efforts to reduce loan fraud losses, and identify key steps to help reduce ATM, card, wire/ACH, and payment risk at your credit union. These can include developing keen awareness of risks and fraud tactics; implementing EMV, setting card security parameters and managing account takeovers and electronic transactions fraud
Elizabeth Fast, Partner at Spencer Fane, Chair of Banking Financial Services Group
Elizabeth Fast is a partner at Spencer Fane and chair of the Banking and Financial Services Group. For more than 20 years, she has been counseling banks, holding companies and other financial institutions on legal, regulatory and compliance matters. Before joining Spencer Fane, Elizabeth was the General Counsel, Senior Vice President and Corporate Secretary for a $9 billion publicly-traded bank with more than 130 branches, where she managed all legal, regulatory and compliance matters. This experience gave her an in-depth understanding of the internal operations of financial institutions.
She conducts over 50 national webinars each year as well as numerous specialized training sessions for financial institutions, and has published a 900-page legal resource book on Missouri business law through Thomson West Publishing Company.
Elizabeth is a member of the Missouri State Banking Board, appointed by the Governor, and a member of the Kansas City Industrial Development Authority and the Housing Authority of Kansas City, appointed by the Mayor.
Jared Ihrig, CUNA Chief Compliance Officer
Jonathan (Jared) Ihrig is Chief Compliance Officer for the Credit Union National Association, managing a staff of eight compliance attorneys, paralegals and staff who provide compliance information and services to leagues and credit unions, as well as CUNA's lobbyists and Advocacy team members.
He has been with CUNA since 2011.
Jared has worked within the credit union compliance, advocacy and legal system for over 23 years. Prior to joining CUNA, he served in a compliance capacity for two law firms, and at Security Service Federal Credit Union in Texas. Jared is also a Certified Public Accountant and held posts at Ernst & Young, LLP and American Airlines Federal Credit Union in Texas.
James Bullard, CUNA Mutual Group, Senior Consultant Risk & Compliance Solutions
Jim Bullard is a Senior Consultant in the Risk & Compliance Solutions department for CUNA Mutual Group. In this role, he is responsible for assisting credit unions in identifying areas of risk in their operations and recommending appropriate controls to reduce loss exposures. He serves credit unions nationally with an emphasis on Business Lending.
Prior to joining CUNA Mutual Group, Bullard held consultant positions at Solomon Edwards Group, Promontory Financial, and has more than 23 years' experience in commercial lending at both community and super-regional banks.
Bullard graduated from the University of Georgia with a bachelor's degree in business administration specializing in Finance. He also completed the Graduate School of Banking at Louisiana State University.
We offer tiered pricing for eligible affiliated credit unions. Scholarship assistance is available for credit unions under $100M in assets. Lunch is included.
|Affiliated credit unions $0M - $19.99M
|60% off
|Affiliated credit unions $20M - $49.99M
|40% off
|Affiliated credit unions $50M+
|Non-affiliated credit unions
Note: Meeting venue is at Anheuser-Busch Employees Credit Union (less than 3 miles away from this recommended hotel).
Drury Inn & Suites St. Louis Convention Center
711 N Broadway
St. Louis, MO 63101
Room rate: $109/night, plus taxes and fees
Reservation deadline: Monday, April 1, 2019
Book a Hotel Room here. Reservations may also be made by calling 1-800-325-0720 and refer to group number 2368796.
Parking information: Free secured parking for guest in our room block.
Rooms also include free breakfast, wifi, and evening Kickback hour.
Clint Armistead, 800.329.3074 x1321
For registration questions or dietary and special assistance: Sharon Bahr, 800.392.3074, x1342.


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Classic Fly Grenache Rose
Tasting Notes
This French style Rose has an elegant pale salmon color and is filled with aromas and flavors of tart strawberry, rose petal, hints of white pepper. The wine has a consistent crisp acidity and gentle finish.
Winemaking Notes
Vintage: 2014
Varietal Blend: 80% Grenache, 20% Cinsault
Appellation: Snake River Valley, Idaho
pH: 3.33
TA: 0.62 g/l
RS: 0.09% g/l
Alcohol: 13.9%
Vineyards: Sawtooth Vineyard
Aging: 7 months in 100% Stainless Steel tanks