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Making sense of the NBFC puzzle box9 min read . Updated: 16 Jun 2019, 11:30 PM IST
Is there a widening disconnect between the regulator's and the market's perception of the NBFC crisis?
Is there a widening disconnect between the regulator's and the market's perception of the NBFC crisis?
Mumbai: Non-banking financial companies (NBFCs) have been in the news since September last year for all the wrong reasons. From defaults to rating downgrades, fears of potential collapse to wild allegations, it's been a prolonged season of misery. This is nothing new for NBFCs: the sector has been through multiple crises, each time throwing up a newer challenge for regulators.
And yet, despite all the noise and the overwhelming sense of an impending crisis, the June monetary policy document from the central bank was conspicuously silent on the issue. There are two ways of viewing this. One, RBI wants the market to sort out the mess, with market-based tools. Or, the RBI's studied nonchalance is signalling that there is no immediate threat to financial stability. In fact, governor Shaktikanta Das said that the RBI would step in only if required.
That begs the question: is there a widening disconnect between the regulator's and the market's perception of the situation, or is the market actually over-reacting? On the ground, though, the going has been tough for NBFCs. They have found it quite difficult to meet their funding needs and repayment obligations over the past nine months. To make matters worse, banks have also turned off the funding tap.
For instance, Anil Ambani, chairman of Anil Dhirubhai Ambani Group, in a conference call last week said that the group has not got any additional liquidity from banks, mutual funds or insurance companies for the past 14 months and had to rely on monetizing assets to meet debt obligations. How did things get to such a stage?
It all started with Infrastructure Leasing and Financial Services (IL&FS) defaulting on its debt in June 2018 and a subsequent breakdown of this large NBFC in September 2018. The huge debt obligation of ₹91,000 crore as of September 2018, and ensuing defaults, gave the world a sense of the fatal flaws intrinsic to NBFCs—such as skewed asset-liability management practices with short-term borrowing funding long-term assets, imprudent lending practices, and lack of due diligence coupled with ambitious growth targets.
The contagion effect from the IL&FS collapse quickly spread to at least two other major NBFCs—Dewan Housing Finance Ltd (DHFL) and Reliance Capital Ltd (RCAP). These two, and a number of other firms, are struggling to meet their short-term debt obligations and repay bondholders like debt mutual funds (MFs), pension funds, and insurance firms.
"We cannot take the NBFC crisis lightly. This kind of event will force the industry to change structurally," said S.S. Mundra, former deputy governor, RBI. "They won't be able to clock the same kind of growth and margins would also be compressed going forward. Hence, investor interest would see a change," he added.
Mint—through a series of interviews with NBFCs, fund managers, and other stakeholders—has tried to piece together the magnitude of the problem and what is the way forward.
Click here to see the enlarged version of the graphic
Root of the crisis
The IL&FS crisis brought to the fore the inherent problem of asset-liability mismatch in the shadow banking system. It showed up how NBFCs have been raising short-term loans—typically ranging between three and six months, through commercial papers—and lending long-term to infrastructure loans, home loans, among others. An RBI research report showed that 99.7% of shadow banking in India makes long-term loans against short-term funding, primarily carried out by NBFCs and housing finance companies. The ongoing meltdown did not go entirely unnoticed by the central bank and was somewhat predicted in a report by one of its committees. In 2012, the Usha Thorat committee had highlighted the risks that NBFCs carry by being dependent on money market instruments with little flexibility in shedding off their long-term assets under situations of stress. It suggested uniformity in prudential regulations between the two financial entities—banks and non-banks.
However, a few years ago, NBFCs were presented with a rather propitious growth opportunity: with bad loans ballooning on their balance sheets, commercial banks had to perforce slow down their lending activities. NBFCs stepped in to fill the gap: the share of NBFCs in overall credit rose sharply to over 20% from 10% a mere seven years ago.
"IL&FS was a double whammy and a jolt for the system which was already limping," said a senior economist who consults with the government on policy issues. "Many NBFCs lent to real estate and informal sectors, which largely relied on cash for their liquidity needs. In the wake of demonetization in 2016, the lack of cash eroded liquidity for several months, thereby delaying loan recoveries. The system was just about recovering from the effects of demonetization when IL&FS collapsed."
Following the IL&FS debacle, funding streams for non-banks have dried up. Banks and MFs—their major sources—have been unwilling to lend a helping hand. Further, rating agencies have downgraded the debt papers of some of these firms, making it even more difficult for them to raise funds from banks or MFs since financial institutions base their lending decision on ratings to a large extent. While mutual funds are not allowed to lend to firms rated below B, the threshold for insurance firms and pension funds is at AA.
Amit Bapna, RCAP's group chief financial officer, told Mint that following the IL&FS crisis, funding lines from banks and MFs for the NBFC sector has hit a virtual halt. "The only means to remain liquid and meet our short-term debt obligations is to securitize assets. Finding investors to infuse equity is only a medium to long term solution," said Bapna.
Analysts told Mint that banks and the debt market are providing funds only to the top NBFCs based on their asset-liability management and their strong parentage. "Worryingly, the domestic wholesale debt market appears to be differentiating amongst NBFCs. Even as those perceived to be strong or backed by a parent company (HDFC, LIC, Bajaj Finance, Mahindra & Mahindra Financial Services) have been able to tap bond markets, issuances by the likes of Dewan Housing, Indiabulls Housing and Edelweiss have been minimal," said Credit Suisse in a report on 22 April.
India's Lehman moment
While the blame for the crisis lies squarely with the sector, with their ill-managed liquidity and exorbitant growth aspirations, the government's role too is hard to overlook. In terms of direct culpability, the government delaying payments to IL&FS or freezing payments by raising disputes upset the finance company's cash flow rhythm. Indirectly, the government's failure to give clearances for infrastructure proposals that came up during the boom phase of the investments, the controversies surrounding the 2G spectrum allocation, and irregularities in the road projects awarded by the National Highway Authority of India forced banks to put a brake on further lending for infrastructure projects. Many projects, completed halfway, then approached IL&FS for funding. But is the situation so dire that it can be called India's Lehman moment? Probably not, as in the aftermath of Lehman Brothers, the entire credit market went into a seizure, with all inter-bank lending coming to a halt. Thankfully, in India, NBFCs have served as a stop-gap arrangement for funding entities that the banks won't touch. And in the past 10 years, NBFCs have survived three stress cycles. "In 2009-10 (financial crisis) and 2013-14 (taper tantrum), there were four to eight quarters of subdued growth and then (things) picked up," said Gurpreet Chhatwal, president, Crisil Ratings. Analysts point out that most of the current stress is more acute in NBFCs or housing finance companies (HFCs) with a huge portfolio of real estate construction assets.
Over the years, HFCs have continued lending to real estate developers despite the sector being marred by incomplete projects, litigation, and overall slowdown. Developer loans make up around 21% of NBFCs' loan book, compared to 7% for private banks and 3% for public sector banks, as per a 2018 Credit Suisse report.
As per a Mint analysis, NBFCs which traditionally lent to real estate projects have an aggregate real estate book of ₹1.87 trillion. These include HDFC Ltd, Piramal, DHFL, and Edelweiss, to name a few. "Given the lack of transactions for new properties in the real-estate sector, the asset-liability mismatch for some of the companies can worsen if they end up holding property instead of loans," said an analyst with a research firm who declined to be named.
The way ahead
It is no secret that NBFCs served a unique purpose when bank balance sheets started showing stress. But NBFCs got their own funds from the same banks. RBI data shows that banks have steadily increased their lending to NBFCs since 2008, which has ballooned to ₹6.23 trillion at the end of April 2019. Banks particularly exposed to the stressed NBFCs are Yes Bank with 6% of its assets, IndusInd Bank with 5.8% of its assets, followed by Bank of India and Bank of Baroda with a little over 2%, as per Credit Suisse. "I think what the banks have been saying all along is that there are good NBFCs to lend to. Banks have not completely stopped lending to non-banks and it is only some NBFCs where there are problems (to whom) we are not lending," said P.K. Gupta, managing director, SBI.
Apart from banks, MFs were also bullish on non-banks with their exposure to NBFCs rising sharply over the past few years to ₹3.12 trillion as of April 2019. Many NBFCs, including DHFL, have large MF repayments coming up in the first quarter of FY20. As of April, asset management companies have an exposure of ₹6,501 crore to DHFL. "For AMCs, 4-15% of AUM (asset under management) is to stressed groups (Essel, IL&FS, Dewan and ADAG) and 56% of these mature in first quarter," said the Credit Suisse report.
All said and done, MFs' lending behaviour to NBFCs has seen a marked change since September 2018. Since September, MFs have either not rolled over or sold their holdings in NBFCs and HFCs to the tune of ₹67,000 crore. And here too, they have reduced exposure to NBFCs which are skewed towards real estate, barring HDFC. Pension funds are the most conservative of the lot. India's pension money has traditionally been invested in fixed income assets, which, in turn, are predominantly invested in bonds. As of 2016, 84% of India's pension assets are in bonds, said a recent Credit Suisse report.
The conservative approach and over-reliance on bonds, especially when NBFCs are the biggest supplier of bonds, can lead to a concentration risk. However, funds are downplaying the impact as the exposure to NBFCs as a percentage of pension assets would be less than 10%, so the hit on net asset value will be marginal compared to debt funds. Meanwhile, insurance firms, the largest domestic institutional investors would have exposure to NBFCs similar to that of mutual funds if not more.Taking cognizance of recent events and with an eye on future stability, RBI has proposed to introduce a liquidity coverage ratio for NBFCs, somewhat akin to what is followed by banks, which requires them to set aside cash in high-quality liquid assets, such as government securities and cash.
This is definitely a long-term solution that will stabilize the sector, but does not address the current concerns of asset-liability mismatch; of NBFCs being saddled with unsaleable assets; of collapsing NBFCs further dragging down bank balance sheets; of the impact of some struggling NBFCs on MFs and insurers. Das has indeed conceded that there is a case for a fresh look at NBFC regulation and supervision. There must be realization that given the interconnectedness of the system, a default in one set of companies can quickly spread to the entire sector and turn India's financial edifice into a shaky house of cards.
Neil Borate in Mumbai contributed to this story.


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Stripburger 65
We are entering the hot summer months with a fresh issue of Stripburger magazine, which remains faithful to the concept of presenting crème de la crème of alternative comics from all over the world.
The global comic scene is being regularly enriched with many young and unknown talents and the rise of Internet culture has extensively contributed to the increased interest in visual storytelling. Everyone today has taste and to separate the wheat from the chaff has become an increasingly difficult task. It's a dirty job, but someone has to do it. Despite high aesthetic criteria we are trying to maintain a wide variety of artistic approaches to cartooning and undogmatic publish comics that are different, fresh and unique.
The 65th Stripburger is definitely characterized by stylistic and narrative diversity. It features fresh and unique comics creations by 24 authors of different generations, poetics and aesthetics: Alex Potts (UK), Zane Zlemeša (Latvia), Max Baitinger (Germany), Olle Berg (Sweden), Olaf Ladousse (Spain), Capucine Latrasse (France), Matej de Cecco (Slovenia), Marek Rubec (Czech Republic), Jana Vasiljević (Belgium), Léo Quievreux & Samplerman (France), Bruno Borges (Portugal), Kristel Pent (Estonia, Greece), Martin Lacko (Slovakia), Lars Sjunnesson (Sweden, Germany), Matteo Farinella (Italy, UK), Matej Kocjan – Koco (Slovenia), Martin Kellerman (Sweden), Tom Scotcher (UK), Akinori Oishi (Japan), M. S. Bastian & Isabelle L. (Switzerland), L.L. de Mars (France) and Andrej Štular (Slovenia).
Juicy cover page was created by Bernharda Xilko (Serbia), while the editorial was written by Alex Potts (UK).
At the end of 2014 we were visited by the Japanese artist Akinori Oishi, so we took the opportunity to present him and his work in the portrait. The issue also features an interview with Matej de Cecco and Boštjan Gorenc – Pižama, an artist and writer tandem that creates of the most popular Slovenian youth comic at the moment.
Enjoy summer & dive into the colourful world of comics!
FRONT AND BACK COVER: Berhnarda Xilko
INSIDE COVER: Alex Potts (Združeno kraljestvo/United Kingdom)
COMICS: Alex Potts (Združeno kraljestvo/United Kingdom), Zane Zlemeša (Latvija/Latvia), Max Baitinger (Nemčija/Germany), Olle Berg (Švedska/Sweden), Olaf Ladousse (Španija/Spain), Capucine Latrasse, Léo Quievreux & Samplerman, L.L. de Mars (Francija/France), Matej de Cecco, Matej Kocjan – Koco (Slovenija/Slovenia), Marek Rubec (Češka/Czech Republic), Jana Vasiljević (Belgija/Belgium), Bruno Borges (Portugalska/Portugal), Kristel Pent (Estonija, Grčija/Estonia, Greece), Martin Lacko (Slovaška/Slovakia), Lars Sjunnesson (Švedska, Nemčija/Sweden, Germany), Matteo Farinella (Združeno kraljestvo, Italija/United Kingdom, Italy), Martin kellerman (Švedska/Sweden), Tom Scotcher (Združeno kraljestvo/United Kingdom), Akinori Oishi (Japonska/Japan), M. S. Bastian & Isabelle L. (Švica/Switzerland),
INTERVIEWS: Matej de Cecco in Boštjan Gorenc – Pižama
PORTRAIT: Akinori Oishi (Japonska/Japan)
REVIEWS: Jakob Klemenčič (Emil Filipčič & Marko Derganc: Butnskala), Ana Bogataj (Frederik Peeters & Pierre Oscar Lévy: Peščeni Grad), Bojan Albahari (Nina Bunjevac: Fatherland), Gašper Rus (Sik Jun Jung: Medena koža), Domen Finžgar (Matej de Cecco & Boštjan Gorenc: Šnofijeva druščina)
INSIDE BACK COVER: Andrej Štular (Slovenija/Slovenia)


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Welcome to ADMI
We are on a crusade to re-present Jesus to this generation, and help the believers know who they are in Christ, what they have in Christ, and what they can do in Christ. Our assignment is to feed the Sheep, equip and perfect the Saints to do the work of Jesus.
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text: I love this video by Kathy Davis. I worked for Kathy a few years ago as her brand designer and loved that we shared similar philosophies about living a creative balanced life. Kathy has a great success story, and boy do I mean SUCCESS! She was around my age when she started and has built an amazing business over the last twenty years. She is such an inspiration. … [Read more...]


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All updated and is beautiful. The views take in all that Inland Harbour has to offer. Fantastic opportunity to own a beautiful, completely renovated villa in much sought...
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We do not attempt to independently verify the currency, completeness, accuracy or authenticity of the data contained herein. It may be subject to transcription and transmission errors. Accordingly, the data is provided on an "as is," "as available" basis only and may not reflect all real estate activity in the market. © 2019 Multiple Listing Service of Hilton Head Island, Inc. All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, Multiple Listing Service of Hilton Head Island, Inc.
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Introducing Morpheus!
I am excited and delighted to announce our NEWEST, INNOVATIVE Technology –
the MOST Effective technology on the market today, to LIFT, TIGHTEN, and CONTOUR Skin Laxity on the Face and Body and helps RID FAT -ONLY if and where NEEDED!
This is the FUTURE of the NON-Surgical Face and Body Lift!
This is the most powerful SYNERGISTIC therapy with CO2, Threads, Forma, Peels, Filler, Botox, Microcurrent and Facials for BEST RESULTS when technology is the best tool needed for YOUR job.
In one powerful treatment, Morpheus radio-frequency (RF) energy penetrates as DEEPLY as technologically possible into the skin to help OPTIMALLY REMODEL subdermal/subcutaneous fat for even significant cellulite and laxity, while maximally stimulating stem cells for collagen production, dermal and subdermal layers of the face, neck, and body to now be able to also BEST CONTOUR all areas.
Excellent for ALL Skin Types, Colors/Pigments, Genders. With Morpheus we can dial the depth of Treatment needed for BEST visible results for YOUR skin over the Entire body.
WHY choose Morpheus?
Because Morpheus WHEN NEEDED for YOUR body challenges, uniquely provides the MOST RESULTS-PROVEN, NON-surgical entire FACE AND BODY LIFT Technology for neck, face, eyelids, brow, legs, arms, buttocks, hips, abdomen and back while RESHAPING and CONTOURING when and if needed.
It is uniquely fast and downtime and discomfort are as minimized as scientifically possible. We normally only need to use topical numbing.
You will also see a SIGNIFICANT improvement in the following skin and body challenges:
- Active acne and acne scarring
- Brown/Age Spots on face, chest and hands
- Fine lines and wrinkles
- Crepiness
- Stretch marks
- Surgical scars
- Uneven skin tone and laxity
- Fat reduction if needed on knees, legs, arms, hips and abdomen
REMEMBER we always recommend and choose the therapy or therapies that provides BEST, most and FASTEST visible results with the least number of treatments and least financial outlay so we may recommend other tools first or instead, but now there is blessedly an improved technology that gives us unique and MAXIMAL strength options to BESPOKE treat OPTIMALLY for YOUR needs.
How does it work?
Fractional RF takes advantage of the healing power of healthy tissue around the treated zones by Thermal penetration which can be dialed in depth and strength to your skin's needs which induces via stem cells, Neocollagenesis (creating more collagen). The result addresses Laxity, Wrinkles and cellulite/fat if needed, to counteract intrinsic aging and its resulting vexing symptoms.
This non-ablative dermal remodeling system tightens the soft tissue through nonsurgical coagulation of the superficial fat and simultaneously tightens, and smooths the overlying wrinkled loose skin. It is excellent for reducing overlying wrinkles, scars, aged, irregular texture, pores and especially stretch marks and acne scars.
The PROCESS
The RESULT
Morpheus tightens the entire, deeper if needed, soft tissue connections and the entire skin itself, resulting in a significant soft tissue contraction and reduction in wrinkles and textural concerns, by creating new collagen and elastin. The strong RF energy emitted heats and tightens (and melts ONLY if needed the fat) overlying skin resulting in more skin tightening and dermal remodeling.
Show me …Don't tell me!
The BEFORE AND AFTER images (and in patients who are NOT using skin products nor much else and NOT addressing themselves INTERNALLY otherwise they should have BETTER results) below demonstrate SIGNIFICANT Tightening, Lifting, Smoothing, Diminished Pigmentation, and Fat Reduction/Contouring of the entire Face and Body.
Below – Smile and Marionette Lines Diminished, Elevation of the Brow, Tightening of the Cheek, REMARKABLE Firming and Smoothing of Crepey Skin-they had various Morpheus energies chosen and in some, only portions of the areas pictured treated.
Morpheus Technology RESULTS can last several years if you diligently follow your internal Action Plan Treatments and using your Skin Therapy Products, PEELS and skin care as instructed.
OPTIMAL TECHNOLOGY TREATMENT when indicated OF SKIN CHALLENGES AND REJUVENATION RESULTS!
ALL Lasers and Treatments new to market I properly evaluate and compare the results. Many of these lasers are NOT the best science, NOT the best tool for the job and definitely NOT the best use of your time and money.
Everything that I use, recommend and do NOT use is for a reason – what works best, fastest, most economically, is the BEST use of time AND monies, minimizes down time, is doable, and importantly – achieves your goals and does not betray your hopes and dreams.
I practice Medicine and Science – not Commerce!


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ShutterStock Falling snow at night EPS10 vector background 202479793
Category: Stock Vector
Stock Vector - Falling snow at night EPS10 vector background 202479793 by zayats-and-zayats @ ShutterStock
Stock Vector \ Blizzard \ Element \ Celebration \ Bright \ Snowy \ Magic \ Holiday
Copyright: zayats-and-zayats
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Keywords: snow, vector, falling, background, effect, bokeh, glitter, cold, white, snowstorm, night, black, wind, sky, seasonal, light, dark, blue, snowfall, snowy, magic, holiday, bright, celebration, blizzard, xmas, element, christmas, abstract, illustration, texture, design, winter, snowflakes, art, eps10.


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Experience the magnificent Mountain Gorillas up close
An incredible 5-day experience in one of Africa's newest destinations! For something completely different – Gorilla tracking in Rwanda is an exclusive experience. Fly into Kigali and meet your guide and transfer. Drive to Park National des Volcans for a 3 night stay at Virunga Safari Lodge. Enjoy a day of amazing sights and emotions with Gorilla tracking and take in the scenery. Transfer to Kigali and spend a night at the Serena Hotel, allowing for a guided tour of the city and genocide memorial.
Gorilla tracking in the Parc National des Volcans
Intimate magical encounters with these large primate
Golden Monkey tracking
Amazing scenery and hiking up volcanoes
Get an insight into local history on a genocide memorial tour in Kigali
Day 1 – 3 Parc National des Volcans : Virunga Safari Lodge
Tracking these endangered primates is a thrilling experience! Hiking through the thick vegetation, experiencing the sounds of the forest first hand and finally coming across the troop, is something that will be with you for the rest of your life.
Day 4 Kigali : Serena Kigali Hotel
Other activities include : Tracking Golden Monkeys and visiting the famous Dian Fossey's grave.
But then its time to travel back to Kigali where you 'll stay at the Kigali Serena Hotel. You could do a city tour and genocide memorial tour without having to rush. This really gives you the opportunity to learn about the country and its turbulent history.


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- 12517 Javea Dr
- Austin, TX 78739
- $460,000
- 3 Bed, 2 Bath, 1915 SqFt, 0.16 Acres
- Residential
- Coldwell Banker United Realtor
Hello - Is this your first time to HomesATX?
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- Price$600,000
- Beds4
- Baths4
- SQ. Feet2,909
- Acres0.16
- Built2017
12608 Javea Dr, Austin
Rare East facing Avana home on Greenbelt lot! Popular floor plan hardly lived in. Neutral palette, high ceilings, well lit, open concept. Dedicated office w French doors off entry. Kitchen boasts oversized island. Master on main level features a wall of windows, dual sinks, & soaking tub. Secondary beds + 2 full baths and flex space up. Private backyard with a protected greenbelt views. Zoned to Top Rated AISD Schools. Conveniently located off S 45. Near Grey Rock Golf Club, Alamo Draft House, & more!
Essential Information
- Price$600,000
- Bedrooms4
- Bathrooms4.00
- Full Baths3
- Half Baths1
- Square Footage2,909
- Acres0.16
- Year Built2017
- TypeResidential
- Sub-TypeHouse
- Style1st Floor Entry
- StatusActive
- AmenitiesCluster Mailbox, Common Grounds, Jogging/Biking Path, Play Ground, Pool-Community, Walk/Bike/Hike/Jog Trail(s), Golf Course Public
- UtilitiesElectricity on Property
- Parking Spaces2
- ParkingAttached, Door Opener, Door-Single, Entry-Front
- # of Garages2
- ViewGreenbelt, Woods
- Exterior FeaturesPatio-Covered, Sidewalk
- Lot DescriptionBacks To Greenbelt, Wooded
- RoofComposition Shingle
- ConstructionStucco, 2 Side Masonry
- FoundationSlab
Community Information
- Address12608 Javea Dr
- RegionAustin - Southwest
- SubdivisionAvana Ph 2 Sec 1
- CityAustin
- CountyTravis
- StateTX
- Zip Code78739
- Interior FeaturesCeiling-High, Lighting Recessed
- AppliancesBuilt-In Oven(s), Cook Top Gas, Dishwasher, Microwave Oven
- HeatingNatural Gas
- CoolingCentral Air
- # of Stories2
- Stories2
School Information
- DistrictAustin ISD
- ElementaryKiker
- MiddleGorzycki
- HighBowie
Price Change History for 12608 Javea Dr, Austin, TX (MLS® #8578912)
|Price Reduced from $640,000 to $600,000
Property Listed by: Redfin Corporation
Similar Listings To: 12608 Javea Dr, Austin
- 11921 Bryony Dr
- Austin, TX 78739
- $475,000
- 4 Bed, 3 Bath, 3067 SqFt, 0.15 Acres
- Residential
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- Austin, TX 78739
- $547,000
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View all similar properties here
The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information from the Austin Board of REALTORS® (alternatively, from ACTRIS) from September 16th, 2019 at 11:45am CDT. Neither the Board nor ACTRIS guarantees or is in any way responsible for its accuracy. The Austin Board of REALTORS®, ACTRIS and their affiliates provide the MLS and all content therein "AS IS" and without any warranty, express or implied. Data maintained by the Board or ACTRIS may not reflect all real estate activity in the market.
All information provided is deemed reliable but is not guaranteed and should be independently verified.


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Onset Fire District Election Tuesday, May 21
The Onset Fire District annual elections will be held on Tuesday, May 21, from 4 to 8 p.m. at the Onset VFW, 4 Gibbs Ball Park Rd.
Residents will elect one person to the Prudential Committee, one to the Water Commission, and a moderator.
Incumbent Marcine Fernandes and local activist Lisa Morales are running for a three-year spot on the Prudential Committee.
Fernandes has served two full terms and one partial term on the committee, and has lived in Onset for more than 52 years.
"I've always cared about what happens in my community," Fernandes said.
She spent her career working for Wareham Public Schools, and has served on many boards.
Fernandes holds a nursing degree, bachelor's degree, and a master's.
If elected, her priorities would be to see the building of the new fire station through to completion and continue the good cooperation between the Prudential Committee and Water Commission.
Fernandes emphasized the importance of good communication and cooperation on each board and between the boards.
"We agree to disagree, but we always compromise and I think that's a good thing for the district," Fernandes said.
Morales is running for both a spot on the Prudential Committee and to be the moderator.
If she were elected to both positions, a moderator would be elected by voice vote at next year's meeting.
Although she has not yet been elected to a position in the district, Morales is a familiar face at meetings, where she has advocated for greater transparency since moving to the district several years ago.
"It's been really difficult to get them to share information," Morales said. "It's like pulling teeth."
She has worked to get meeting minutes and agendas posted online, often by filing Freedom of Information Act requests and publishing the documents on her blog, Onset All Together (onsettogether.blogspot.com).
Morales is also concerned about the compensation given to elected officials in the district, who receive a stipend and health insurance for work she describes as "very part-time."
Morales said that the district pays 90 percent of the official's insurance costs.
She has not been able to find out exactly how much the district is spending on individual people.
Morales has also alleged that current Water Commissioner Ben Hughes does not actually live in Onset, which would make him ineligible to serve on the commission.
Hughes and Prudential Committee Chair Charles Klueber served her with a no trespass order in March 2018, accusing her of "aggressive verbal and physical conduct" and making "threats against members of the District's administrative staff."
Morales, who is currently only allowed in the district's offices for public meetings, said that she has challenged the order and threatened to sue the district, prompting officials to tell her "Go ahead and do it."
Morales said that another of her priorities is to find out details about the new fire station building, and noted that revised plans have never been released to the public.
Her relevant experience includes experience on boards Wareham, Dennis, and West Springfield, a masters in Labor Relations, and work experience in labor relations.
Bob Brousseau is also running for moderator. He has moderated the Onset District meetings for the past three or four years.
Brousseau, who was first elected at a meeting after the previous moderator stepped down, said that his motivation in running is to "be a good citizen and do my share of the work."
Having retired from a 34 year career as a history teacher in Wareham, Brousseau now serves on the Massachusetts Pension Reserves Investment Board.
"The only power that the moderator has, of course, is to see that the meeting is run smoothly," Brousseau said.
As moderator, he focuses on making sure the issues are addressed fairly and everyone who wants to speak can, within reason. He does not allow personal attacks.
"Many of the people know who I am," Brousseau said. "They've seen me conduct the meetings in fairness to everybody."
Kenny Fontes is running unopposed for reelection to the Water Commission.


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Fibromyalgia syndrome (FMS) is a disorder and syndrome that causes widespread musculoskeletal pain in the joints, muscles, tendons and other soft tissues throughout the body. It is often combined with other symptoms like temporomandibular joint disorders (TMJ/TMD), irritable bowel syndrome, fatigue, depression, anxiety, cognitive issues and sleep interruption. This painful and mysterious condition affects around three to five percent of the American population, predominantly women.
Diagnosis of FMS can be difficult, as there is no specific lab test to determine if the patient has the disorder. Current guidelines state that a diagnosis can be made if a person has widespread pain for more than three months, with no underlying medical condition. Dr. Jimenez discusses advances in the treatment and management of this painful disorder.
Fibromyalgia and Sciatica vs Piriformis SyndromeFibromyalgia and sciatica are two well-known health issues which can commonly occur at seemingly the same time in people, however, these may also frequently require different treatment approaches to help manage their painful symptoms. Fibromyalgia is characterized by...
Symptoms Associated with FibromyalgiaSciatica and Fibromyalgia Fibromyalgia is a disorder characterized by widespread musculoskeletal pain which is also generally accompanied by fatigue, sleep, memory, and mood health issues. The most common symptoms associated with fibromyalgia include muscle pain and...
Benefits of Self-Care Techniques for TMD and FibromyalgiaAlthough oral devices, such as splints and bite guards, are the most prevalent treatments for facial pain associated with temporomandibular disorders, or TMD, patients have found that these remedies are frequently less effective than self-care techniques, such as jaw...
How Chiropractic Care Helps Relieve FibromyalgiaI actually feel pretty good right away, just because I know what I need and he knows how to take care of my particular injury. So, I'm usually good to go, next day, after I get re-aligned. Without a shadow of a doubt. I like the way he treats his patients, I...
Fibromyalgia, 4 Ways Chiropractic Helps | El Paso, TX.Fibromyalgia is one of the most common chronic pain conditions in the United States. It is believed to affect one in fifty people in the U.S. alone, according to the American College of Rheumatology. This condition is very problematic because it is extremely difficult...
Fibromyalgia History And DefinitionFibromyalgia History Fibromyalgia History: Historically, fibromyalgia – or conditions very like it – have been reported for hundreds of years, under many names, including the most unsatisfactory term 'fibrositis'. The fascinating history of what we now call...
Fibromyalgia Sufferers Benefit From Chiropractic CareFibromyalgia is one of today's most common chronic pain conditions. According to the American College of Rheumatology, around 1 in 50 Americans currently suffer from fibromyalgia. Unfortunately, the condition is difficult to diagnose, and, being chronic in...
Functional Medicine Treatment Concepts Explained | Functional Chiropractor
Over the past five decades, many experienced and holistically experienced professionals have embraced "functional medicine" treatment concepts in dealing with the management of many commonly encountered chronic illnesses, including fibromyalgia, chronic fatigue syndrome and rheumatoid arthritis.
What are the functional medicine concepts for treatment?
This guide is an attempt to introduce, simplify, and summarize many of these seemingly complicated concepts for professionals who have just begun to use these notions, and for those professionals who have been hearing about this radical strategy and have been considering integrating these therapeutic approaches into their practices.
Integrating Functional Medicine Treatment Concepts
The medicine approach to the treatment of chronic disease is one that is based not on a single agent or modality as the solution that is palliative or curative. It's holistically centered upon the p
Proper Sleep Can Help Relieve Fibromyalgia Pain | Central Chiropractor
More than half of people with fibromyalgia experience sleeping issues. You may have a hard time falling asleep or wake up several times during the night if you have this painful condition. You don't spend enough time at the deeper sleep stages. Or you possibly suffer from all three.
How can poor sleep affect fibromyalgia?
It isn't simply important that there's a sleep problem in the first place, but more so, that there is a problem causing you to experience sleeping issues. Without proper rest, chronic pain will aggravate and fatigue can increase. Finding a solution will not cure your fibromyalgia, but it is going to lower your pain and tiredness. And since those are the very painful fibromyalgia symptoms, that may be consolation enough.
The Value of Sleep with Fibromyalgia
The worth of sleep goes beyond simply giving you a rest. It has biochemical and psychological significance. A few reasons your body needs a good night's
Physical Therapeutics for Fibromyalgia | Central ChiropractorPhysical therapy often takes a hands-on approach, which might make you cringe if you're experiencing pain from several hypersensitive tender points. However, in managing your fibromyalgia symptoms, gentle and effective are used by physical therapy, and will most...
Exercise Reduces Symptoms from Fibromyalgia | Central Chiropractor
Fibromyalgia is a mysterious disorder that has been misunderstood for many years, however, there are lots of treatment options available to relieve its symptoms. When it comes to fibromyalgia, exercise can be beneficial to relieve it.
How does exercise help fibromyalgia?
Exercise will be an essential part of fibromyalgia therapy, although your chronic pain and fatigue may make exercising seem excruciating. Physical activity reduces symptoms such as fatigue, depression, and can even help you sleep better. Exercise can be a fundamental part of managing your symptoms.
Exercise for Fibromyalgia
Getting regular physical activity 30 minutes per day, helps reduce perceptions of pain in people with fibromyalgia, according to a 2010 study published in Arthritis Research & Therapy. The signs of fibromyalgia may make exercising a challenge, although exercise is a commonly prescribed treatment for chronic pain.
During a
Fibromyalgia Study: It's a Real Disease | Central Chiropractor
We do not know what causes fibromyalgia, but today, as a result of research studies, we've got a clue. Fibromyalgia may be related to an abnormal blood flow in specific regions of the brain.
How is fibromyalgia associated with circulation in the brain?
Dr. Eric Guedj of the Centre Hospitalier-Universitaire de la Timone in Marseille, France, has been the lead researcher in a research examining blood perfusion (abnormal blood circulation) as a possible fibromyalgia cause.
Fibromyalgia Study Results
Past imaging studies of patients with fibromyalgia have shown above normal cerebral blood flow (brain perfusion) in some areas of the brain and below normal at other locations," explains Dr. Guedj in a press release about the research.
"After performing whole brain scans around the participants, we used a statistical analysis to examine the relationship between practical activity in even the smallest area of the brain a
Causes and Diagnosis of Fibromyalgia | Southwest Chiropractor
Fibromyalgia is a painful, chronic condition, which unfortunately healthcare professionals know little about. Because doctors have yet to determine the exact cause behind fibromyalgia, it can be a big challenge to treat, however, healthcare specialists experienced in chronic pain have gathered some evidence behind its possible causes.
What causes fibromyalgia?
Research studies have reported that women are also more likely to suffer from fibromyalgia. A fact that, unsurprisingly, has no known explanation to this day. There is evidence on what may cause fibromyalgia, but the results are varied. Findings include:
- The chronic pain associated with fibromyalgia may be due to abnormalities in the endocrine system and autonomic nervous system. Some researchers feel that changes in the autonomic nervous system (which is triggered whenever you're stressed) and endocrine system (which releases hormones in response to stress) i
Fibromyalgia: Widespread Chronic Muscle Pain | Central Chiropractor
Chronic pain is defined as persistent, long term pain which can continue for weeks, months, even years after the supposed source of the issue has healed. While many cases of chronic pain can occur due to unknown causes, some cases can be traced back to other underlying injuries or conditions, such as fibromyalgia.
What is fibromyalgia?
Fibromyalgia is a chronic pain disorder that affects millions of Americans annually, mostly women, and may be both physically and emotionally debilitating. Fibromyalgia stems from the Latin term for fibrous tissue (fibro) and the Greek words for muscle (myo) and pain (algia). Indeed, fibromyalgia sufferers experience widespread chronic muscle pain.
An interesting note: fibromyalgia was once considered a psychological disorder, but studies have proven that people with fibromyalgia may have a lower threshold for pain. This could be from emotional distress, harm, or levels of compounds from the brain but the cause


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I definitely outdid myself on this one. For those of you who don't know me, I am obsessed with dip. I would make spinach artichoke dip all the time and I would eat it just as fast as I made it! 😂 But this time, I added spaghetti squash, more veggies, and some meat to made this a meal. As an added bonus, the entire dish is dairy free! Yesssss it's so good I felt called to share this. This dish can be vegan as well if you remove the meat. It's still plenty filling with or without the meat. Check out the recipe for my Spinach and Artichoke Dip Stuffed Spaghetti Squash!
2 medium spaghetti squashes, halved lengthwise
1 lb cooked meat of choice (optional)
** 1 cup cashews
1/3 cup nutritional yeast
½ cup almond milk or vegetable broth
2-3 Tablespoons Extra Virgin Olive Oil, divided
½ cup veganaise (or you can use regular mayo here)
1 lemon, squeezed
1 Tablespoon arrowroot starch
½ cup vegan Parmesan cheese (find the recipe here)
1 cup dairy free mozzarella cheese (can be found at Whole Foods or any health food store)
4 cloves of garlic
½ teaspoon sea salt
½ teaspoon ground black pepper
1 can artichoke hearts, chopped
1 yellow onion, chopped
1 red bell pepper, chopped
8 oz Portobello mushrooms, chopped
** 1 8 oz bag of frozen spinach or buy a large bag of fresh spinach
Parsley (for topping)
** If you don't have a high powered blender or a food processor, soak the cashews in 1 cup of water overnight, so they are ready to blend.
** If you decide to use frozen spinach, thaw according to directions on the package. Make sure it's completely dry before adding to the rest of your vegetables.
1. Preheat oven to 350 degrees F. Place spaghetti squash halves face down in a baking sheet with a drizzle of olive oil, salt, and pepper on each half. Bake for 30-40 minutes or until squash is fork tender.
2. Chop your veggies. On medium heat, add a tablespoon of olive oil to a pan. Place the onions into your pan and sauté for 5 minutes. Add the peppers and mushrooms and sauté for another 5 minutes. Add the artichokes and spinach. Sauté until the spinach is wilted and your veggies are nice and soft. Add the mozzarella cheese and your cooked meal. Stir until the cheese is melted.
3. Place cashews, nutritional yeast, almond milk or veggie broth, veganaise, lemon, arrowroot starch, parmesan cheese, garlic, salt, and pepper into the blender. Blend until smooth and creamy. Set aside.
4. When your spaghetti squash is done, let it cool for 5-10 minutes. Spaghetti all of your squash with a fork and add it to your vegetables. Keep the squash halves because you will use them in the following steps.
5. Add the sauce mixture to your veggie mixture and stir to mix through.
6. Turn the oven up to 400 degrees F. Spoon the mixture back into the spaghetti squash halves. Top with extra mozzarella cheese if desired.
7. Bake for 15-20 minutes until cheese is melted. Top with parsley and enjoy! :)


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How to Make the Most of Winter Days
While some may hate the cold and see winter as a dark time, there're always good things about each season. I want to share with you 10 ways you can make the most of the winter days ahead.
1. Have a warm drink
Winter is a great time to heat up some hot cocoa, tea or coffee. With a hot drink, you can keep your hands nice and warm while walking to and from classes. My go-to is always a nice cup of spiced chai tea from The Mill.
2. Go for a walk
Yes, I'm fully aware it's cold outside, but grab a jacket and go for a walk. I have a friend who loves to go out after a fresh snow and admire how it sparkles, this is how she finds joy during cold times. It may be freezing, but when the ground and trees are covered it can feel like you're walking through a winter wonderland. Give it a try, and enjoy the beautiful scenery.
3. Wear your warm clothes
With winter comes all the comfy and cozy clothes. I don't know about you, but there's nothing like putting on my favorite oversized sweater to keep me nice and toasty.
4. Snuggle up under all the blankets
When it's cold outside, blankets are an essential item. Snuggling up and getting warm is one of my favorite things to do during this cold time of the year.
5. Engage in snow activities
Building snowmen, going sledding and starting a snowball fight are fun activities only the winter season brings.
6. Spread the sunshine
Because winter can be a dark time, try and be the light to yourself and those around you. This is the perfect time to engage in random acts of kindness. Create your own sunshine by spreading joy. You can leave random notes for your friend, surprise some you love a small gift or even hold the door open for a stranger. It's the little things that count.
7. Exercise
By exercising you immediately provide your body with heat. This is a great way to stay warm and fit at the same time. You can do a quick work out in your room, go down to Larson, or if your feeling risky, you can take a jog outside.
8. Eat warm foods
Foods such as soup, chili and even ramen noodles are fast and easy ways to fill your tummy with nice warm food on a cold winter day. My favorite soup is classic tomato, and I especially love eating it with goldfish crackers. It may sound gross to some, but don't knock it until you try it. It's delicious!
9. Find a pet to cuddle
Nothing brings warmth to the heart like cuddling with a furry friend. Take a trip down to the Pet Doctor by Gateway mall, visit a friend who has a cuddly pet or take a pit stop by Dean Stocks apartment and pet Bella.
'Nuff said.
With these tips, hopefully you'll make the most of these winter days.
Alaysha Harris is a senior studying communication.


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|News &
|Issues &
|Business &
|Health &
|Lifestyle &
|Travel &
|Science &
CNN Hero: Nursing Wounded Wildlife Back to Health
Mona Rutger has rescued and cared for more than 42,000 animals at her backyard wildlife sanctuary in Castalia, Ohio. (CNN)
Mona Rutger got the call in October: A bald eagle was flopping around on an airport runway after it had been clipped by a private jet.
Unfortunately, it's something she sees all too often, with all types of wild animals.
"Everyone says, 'Let nature take its course,' " said Rutger, a certified wildlife rehabilitator. "But 90% of these animals' injuries are human-related. That's not nature. It's us."
Rutger sent a team to collect the injured bird and bring it to her rehabilitation center in Castalia, Ohio, where it was stabilized and then taken to a veterinarian.
The eagle had three pins placed in its wing and is now building up its strength and agility with the help of Rutger and her nonprofit, Back to the Wild.
Since 1990, Rutger says, she has rescued more than 42,000 injured, orphaned and displaced animals. About 60% of them have recovered sufficiently to be released back into their natural habitats.
"Each animal that we help can somehow make a difference. ... Each animal has a role to play in the food chain," Rutger said. "If just one link breaks, the whole chain falls apart."
Read the rest at CNN
Check out The Western Ecological Society
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24 Jan
January 24. Everyone has a date that sticks with them, and January 24th is mine. (Or at least one of them….my kids' birthdays are up there too.)
Each anniversary brings different emotions: some hard, some sad, some happy, some stronger than others. This year, the anniversary brought snow. Yesterday, a record amount of snow fell in our area.
This is relevant for a couple of reasons:
1) The snow caused our accident, and I will never see snow, or drive in snow, and not think about January 24.
2) All churches are closed today; the city has asked everyone to stay off the road for emergency vehicles and plowers. This will be the first January 24 that I have not attended mass. So if you are going and you read this, say a little prayer for our team. We can all pray at home as well.
As I scrolled through social media this morning, there is a twitter feed called "Today in ND History" that tweets out ND events from years past. A few years ago, they started this twitter feed because of the anniversary of our team's bus accident. This all plays into what can make this anniversary emotional for me.
A few days ago, I started receiving text messages and emails: Thinking of you; thinking of your team; sending love; 24 years wow!
One of my favorite journal entries is from September 1992: It's been 8 months since the accident, and I can't believe how many people still care.
It's been 24 years since our accident, and I am still moved by how many people still care. Thank you. My emotions are ones of gratitude.


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the revenue stream that lies within
by Chris Pryor, President & Founder, Gowan Group
& Dan Harrop, Managing Partner, NESS
may, 2017 | volume XLV - no. 8, educational directions incorporated
about chris pryor
With Gowan Group, Chris realizes his vision for an educational consulting organization that serves the needs of independent schools on every front–from Admission and Enrollment Management to Advancement and Fundraising, and from Strategic Planning to Leadership Development. To accomplish this, Chris has assembled a stellar group of nationally renowned consultants that have the passion, experience, expertise, and resources to help independent schools turn every challenge into a growth opportunity.
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Class Topic: Business & Career Development
October 2019
How to Start Your Own Podcast
October 16, 2019 6:00 pm // Orlando
Podcasts, you know 'em, you love 'em, you can't get enough of 'em. Tony, former host of the Emerging Entrepreneurs Podcast, is teaching everything you need to know about how to start one all on your own!
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'Timeless' Brings $27,000 for Hereford Youth and Research
Special live auction at "The Brand" Marketing Summit raises nearly $50,000 for the HYFA and the HRF.
In true Team Hereford fashion, supporters of the breed banded together to raise $47,350 to benefit the Hereford Youth Foundation of America (HYFA) and the Hereford Research Foundation (HRF).
"Timeless," a graphite original drawing done by acclaimed artist Dino Cornay, headlined the special live auction held June 3 at Howl at the Moon in downtown Kansas City, Mo., in conjunction with "The Brand" Marketing Summit. As auctioneer Lander Nicodemus led the chant, buyers Barber Ranch, Channing, Texas; Bill King Ranch, Moriarty, N.M.; Colyer Herefords & Angus, Bruneau, Idaho; and Cottonwood Springs, Cedar, Mich., teamed up to place the winning bid for $27,000. The syndicate graciously donated the drawing to be hung in the American Hereford Association (AHA) headquarters in Kansas City.
Cornay, accompanied by his cousin, Jeff Cornay, who traveled from their hometown of Folsom, N.M., to be present for the auction, was humbled at the enthusiasm shown for the drawing and for the cause.
"I am extremely honored to be the artist selected for this project portraying a great breed of cattle and to have worked with some fabulous people, including the directors and those that purchased the art," Cornay says. "It is also an honor to be part of a great scholarship program for our young leaders and to have the original drawing hanging at the national Hereford headquarters in Kansas City."
Cornay's drawing effortlessly depicts the permanent stamp the Hereford breed has placed on the beef industry, bringing to life a horned and polled Hereford bull with a young calf to illustrate the generations of history and progress within the breed.
Lots 2 and 3, two giclées of the original, found homes with EE Ranches, Dallas, and Flying S Herefords, Dallas. Circle H Herefords, Dalhart, Texas, claimed Lot 3A, the number one print from the limited edition of the original.
Other items sold were: two director's chairs donated by Classic Leather Designs and purchased by Everhart Farms, Waldron, Ind., and Holden Herefords, Valier, Mont.; two AHA branded hides purchased by Olsen Ranches, Harrisburg, Neb., and Mohican Polled Hereford Farms, Glenmont, Ohio; and an AHA branding iron purchased by Dudley Bros Herefords, Comanche, Texas.
"The support of our breeders to continue educational, leadership, scholarship and research opportunities for Hereford youth was once again highlighted," says Amy Cowan, AHA director of youth activities. "Please help us in saying thank you to those who bid and purchased to allow future generations to uphold the tradition of the Hereford brand."
Foundation Female Generates $120,000
LCC 6964 Queen Bee 43F ET sold for $120,000 to benefit the Hereford Youth Foundation of America's (HYFA) Growing a Lasting Legacy Campaign, Jan. 18, at the Mile High Night Sale in Denver.
The Lot 1 Foundation Female has been highlighting the National Hereford Sale in Denver more than a decade with a total of $890,000 being raised to support HYFA's mission, which recognizes and rewards the development of life skills and values in the next generation.
The Queen was purchased by Hoffman Ranch, Thedford, Neb.; Upstream Ranch, Taylor, Neb.; HME Cattle Co., Winterville, Ga.; Hopper Herefords,Germantown, Ky.; and Cort Scheer, Bassett, Neb.
"I am a firm believer in the youth of the whole world," Scheer said. "I do a lot of bronc schools to help people in rodeo, and it was my honor to go in there and donate to this foundation. It is unbelievable what the foundation does to help the Hereford youth."
LCC 6964 Queen Bee 43F ET was donated by Lowderman Cattle Co., Macomb, Ill., and Michelini Cattle Co., Peru, Ill. The April 5, 2018, heifer is a daughter of R Leader 6964.
"Exciting times for the Hereford Youth Foundation of America when you can take a female of this caliber from such a reputable program and market her successfully to a group of breeders that all have a passion for Hereford youth and a desire to make a difference," said Amy Cowan, American Hereford Association director of youth activities and foundation. "The Lowderman Family, Michelini Cattle Co., Hoffman Ranch, Cort Scheer, Hardy Edwards and family, Hopper Cattle Co., and Upstream Ranch, you have truly made a difference by stepping up and getting involved in this year's Lot 1 female. Queen Bea lived up to her Queen of the Hill motto and was the second high selling foundation female in HYFA's history and the highest of any breed to sell this year in Denver."
Hereford Youth Foundation of America Awards $147.500 in Fall Scholarships
More than $147,500 in scholarships were awarded by the Hereford Youth Foundation of America (HYFA) Friday, Oct. 26, at the American Hereford Association (AHA) Hereford Honorees Reception during the AHA Annual Meeting and Conference in Kansas City, Mo. Hereford youth from across the country were the recipients of these 23 scholarships
"These scholarships will make a huge difference in the education of each of our recipients," says Amy Cowan, director of youth activities and foundation at the AHA and HYFA. "Each scholarship donor has a deep commitment to supporting young people in agriculture who have a strong desire to better themselves by obtaining a college degree.
Many generous donations throughout the years from multiple supporters of Hereford youth make these scholarships possible. The recipients of the scholarships are:
- Ball Foundation/Cottonwood Springs Farm Scholarship – Austin Folkman, Ixonia, Wis.
- Bar One Ranch Scholarship – Mason Blinson, Buies Creek, N.C.
- Gary Bishop Memorial Scholarship – Bailey Morrell, Willows, Calif.
- Blin Family Scholarship – Abigail Spindle, Moriarty, N.M.
- Bob & Dolores Call Scholarship – Brooke Hinojosa-Sidwell, Carr, Colo.
- Bill & Jo Ellard Scholarships – Hannah Williams, Kearney, Neb., and Del Adcock, Assumption, Ill.
- HYFA Scholarship – Sydney Downey, Turner, Ore.
- Bob & Lucy Kube Scholarship – Keayla Harr, Jeromesville, Ohio
- Ken & Carolyn Larson Scholarship – Brianne Nelsen, Fredonia, Kan.
- Owen Family/Tennessee River Music Scholarship – Rachael Drumm, Winchester, Ky.
- Perks Ranch Scholarship – Katie Nolles, Bassett, Neb.
- Whitehead/Rocking Chair Ranches Scholarship – Rachel Buzanowski, Pompeys Pillar, Mont.
- Jack & Donna Vanier Family Scholarships – Rylee Barber, Channing, Texas; Taylor Belle Matheny, Mays Lick, Ky.; Sydney Dvorak, Lake Andes, S.D.; Tyler Eldred, Bellingham, Wash.; Mallory Carlson, Murdock, Minn.; Peyton Schmitt, Birmingham, Iowa; Dixie Miller, Hutchinson, Kan.; Blakelee Hayes, Ada, Okla.; Emilee Holt, Caldwell, Idaho; and Parker Cantrell, Collinsville, Okla.
Kelton and Anderson Receive John Ascuaga Scholarships
RENO, Nev. — Two $1,500 John Ascuaga scholarships were awarded to Bailey Kelton, Yerington, Nev. and Jae Anderson, Logan, Utah, Friday, Nov. 30, at the Western States National Hereford Show in Reno, Nev. The scholarships were given in recognition of long time Nugget Casino owner, rancher and Hereford advocate, John Ascuaga.
Bailey Kelton
Bailey is a sophomore at the University of Nevada – Reno studying veterinary medicine with an interest in meat science and reproduction. She is active in various agricultural clubs and associations including 4-H, FFA and the California Nevada Junior Hereford Association. She hopes to continue her family's Hereford ranch and to utilize the knowledge acquired from her degree to maintain a successful and healthy herd.
Jae Anderson
Jae is a senior studying agricultural business at Utah State University. She has been a member of the Idaho Junior Hereford Association for 14 years and grew up raising and expanding her own herd of Hereford cattle. Her future goals include working in agricultural lending or accounting with an emphasis on land and livestock. Alongside her brother, Jae also plans to continue her family's ranching legacy by expanding the operation in terms of performance and size.
Biozyme Inc. Supports Hereford Youth and Education Through New Partnership
BioZyme® Inc., longtime supporter of Hereford youth, announced its commitment to educating youth in agriculture with a $30,000 contribution to the National Junior Hereford Association (NJHA) Fed Steer Shootout through the Hereford Youth Foundation of America (HYFA) and BioZyme's Feed the Future Program during the American Hereford Association (AHA) Hereford Honorees Program Oct. 26.
"We are proud and excited about the educational opportunities involving Hereford youth," said Bob Norton, BioZyme CEO. "Feed the Future was created to support the HYFA academic component, where education extends beyond the classroom. BioZyme firmly believes in activities and experiences that are engaging, relevant and expose our young folks to new opportunities. The Hereford Fed Steer Shootout is such a program providing knowledge about the industry from a commercial perspective to perhaps a different audience than the show circuit."
In year two, the Fed Steer Shootout more than doubled in size and participation. Thirty-seven youth from 13 states entered 149 steers in the Fed Steer Shootout program. Throughout the program, contestants had the opportunity to collect actual feed yard performance and carcass merit data, ultimately learning about the importance of ultrasound technology, genetics and health. All steers were fed at Gregory Feedlots in Tabor, Iowa, managed by David Trowbridge.
"One of the things that VitaFerm® really values about our partnership with the AHA is how integrated we are," said Ashley Fitzsimmons, BioZyme regional and partners in performance marketing manager. "We really feel that the culture of BioZyme fits really well with the culture of the AHA, and specifically within the youth programs."
Since its inception, the BioZyme Feed the Future program has given back to youth education and research through dollars collected from the sale of VitaFerm products. The program contributed $1 to HYFA for youth education and research for every bag/tub of eligible BioZyme supplement any AHA member bought in 2018. The program will now fully support the Fed Steer Shootout.
One of BioZyme's company principles is outreach. BioZyme is committed to outreach that encourages engagement and supports various organizations in stewardship and humanity. BioZyme is dedicated to the youth livestock industries and supports students and exhibitors through programs such as the NJHA Fed Steer Shootout.
"We think this is a great extension on top of the other sponsorship opportunities we've had with the Association," said Jessica Judge, BioZyme marketing brand coordinator. "This is a great opportunity to bridge that gap between our experiences with junior nationals and in the showring to more of a commercial perspective."
Not only will participants enter steers in the contest, the new partnership will allow the NJHA to incorporate more educational components into the program as well. In addition to the existing webpage and webinars offered to youth, participants can now learn from a series of educational e-blasts and curriculum. A Facebook group has also been created to update youth and their parents on the activities taking place at Gregory Feedlots.
"The most exciting thing about this program is there are two divisions, a registered/purebred division and a commercial division that is giving these kids some real-world experience. The Hereford Association talks a lot about "the white face" so for these kids to put the white face on these calves, it gives them an opportunity to learn about marketing, genetics and the importance of a good nutrition program, which I think is really impressive," Fitzsimmons said.
"The program doubled in size in its second year, and we expect the program to continue to grow and give junior members an opportunity to gain valuable industry experience," says Trey Befort, AHA director of commercial programs. "Growing involvement in programs such as the Fed Steer Shootout is a great testament to the energy around the Hereford breed in the commercial industry, as well as the investment being made to advance youth programs."
To learn more about Fed Steer Shootout, visit https://hereford.org/youth/njha-fed-steer-shootout.


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The project aims at enabling and supporting the creation and management of dynamic collaborations within Virtual Organizations (VO), in order to perform integrated and cooperating operational processes; as these processes involve several entities and resources (people, information systems, devices, etc..), it is important to minimize their mutual dependencies and maintain their autonomy in terms of knowledge and experience, tasks and objectives, confidentiality and security.
The project aims at developing the PRACTIONIST suite, that is (1) the PRACTIONIST Runtime & Framework, (2) a methodology to develop PRACTIONIST agents, and (3) a design and development tool that supports the development of BDI agents according to the PRACTIONIST model and following the above-mentioned methodology.
The FoodNetXchange project is concerned with the creation of a collaborative network which aims at enabling and supporting the traceability of goods in the context of food supply chains through an effective sharing of information among involved parties. This collaboration approach aims at improving the competitiveness of agri-food SMEs through the creation of vertical and horizontal relations between them.
The project is an innovative and continously in progress instrument, able to integrate all the touristic cultural offers.
The project wants to demonstrate how technology can and must be considered as the foundations for the management, the conservation, the defense and the fruition of cultural heritages.
All this is possible thanks to public sector that together with the private one, propose to create a competent center in the southern Sicily, a leadership of the Cultural Heritage and of the tourism sector.
The project will develop an innovative food traceability system based on the following aspects:
(i) establishment of objective connections between the product flow and the information flow along the food chain;
(ii) development of an information management system which fits to the existing technologies present along the diverse players of the food chain and it is open for upcoming technologies,without imposing any technology change to any player;
(iii) maximum care of cost aspects of the used technologies.
The project aims at defining new approaches to help Supply Chains (mainly composed by SMEs) addressing market changes. The proposed solution will cover organizational, functional and technological facets of the Supply Chain processes providing:
- New organizational processes for SME' networks, based on functional integration of traditional separate functions like forecasting and logistic;
- An ICT platform supporting SMEs in the implementation of the defined processes;
The proposed solution will be flexible in order to reflect possible changes within the Supply Chain and to address the need of new services that could arise.


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November 2019 Alberta Diploma Exam Dates
Verifiable Testimonials
|Day of the week
|English Language Arts 30-1 Part A
|Nov 1, 2019
|9:00am to 12:00pm
|English Language Arts 30-2 Part A
|Nov 1, 2019
|9:00am to 12:00pm
|Social Studies 30-1 Part A
|Nov 4, 2019
|9:00am to 12:00pm
|Social Studies 30-2 Part A
|Nov 4, 2019
|9:00am to 11:30pm
|English Language Arts 30-1 Part B
|Nov 5, 2019
|9:00am to 12:00pm
|English Language Arts 30-2 Part B
|Nov 5, 2019
|9:00am to 12:00pm
|Social Studies 30-1 Part B
|Nov 6, 2019
|9:00am to 11:30pm
|Social Studies 30-2 Part B
|Nov 6, 2019
|9:00am to 11:30pm
|Mathematics 30-1
|Nov 7, 2019
|9:00am to 12:00pm
|Chemistry 30
|Nov 7, 2019
|1:00pm to 4:00pm
|Biology 30
|Nov 8, 2019
|9:00am to 4:00pm
|Physics 30
|Nov 8, 2019
|1:00pm to 4:00pm
Google 5-star review
- Libby Sally Laycraft (2018)
BBB 5-star review
"After wasting my money on private home based tutors for years – who I basically just paid to do my kids homework – I needed to find a tutor that was going to help my son make it into University… When I found MathPro I was skeptical at first… MathPro promised high results when other similar tutoring companies would not, plus the cost was a little more expense then the regular tutors – so the bar was set high right from the start………SO I am pleased to say that they did not disappoint… My son is in Grade 12, Math 30-1, and has grades have never be high and his confidence about being the "smart kid in class" is great to see."
- Melanie G (2018)
Facebook 5-star review
"Our son was struggling with Math and after trying other tutoring services that did not help much we turned to MathPro to help him through Math 30. Much care and attention was given to matching our son with a tutor who would work well with our son's learning style and personality and we have been very happy with his match. In fact, it is the first time our son has spoken favorably about a tutor and not complained about attending sessions. His marks have gone up dramatically and it has been wonderful watching our son's confidence soar now that he is doing so well. We highly recommend MathPro! The experience has been positive in every way.."
- Dawn Sanson (2017)


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Oct. 28 -30, 2019, Indianapolis, Indiana
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Esther's Banquet
Esther 5; 6; Prophets and Kings, p. 602
The Message
With God's help, I have the courage to do what is right.
Memory Verse
"In all your ways submit to him, and he will make your paths straight" (Proverbs 3:6).
Have you ever been to a special dinner where everyone dressed in their best clothes? Esther planned a special dinner, a banquet, for the king and Haman.
After three days and nights of not eating and drinking, Esther dressed in her prettiest clothes. Then she went to see the king. She walked to the door of his throne room and stood quietly. When King Xerxes saw her, he smiled and held out his gold scepter. Esther walked toward him and touched it.
"What can I do for you, my queen?" he smiled. "I'll give you up to half of my kingdom."
"I've prepared a banquet for you and Haman today," replied Esther. "Will you please come?"
come?" "Of course! We'll be there," he said to Esther.
Later when Haman and the king were at her banquet, the king asked Esther, "What can I do for you, Queen Esther?
Remember, I'll give you up to half of my kingdom."
"Come back tomorrow with Haman to another banquet," she replied. "I will answer your question then."
Haman left for home feeling very happy. Not everyone was invited to dinner with the king and queen! Then he saw Mordecai sitting at the gate. Mordecai did not bow to him. He didn't even stand up when he saw Haman. Haman was very angry, but he said nothing.
When Haman arrived home, he bragged to his family and friends, "I have 10 sons. I have money and power. The king likes me. He gave me a great position. I'm the most important person in the palace after the king. I'm the only person Queen Esther invited to her banquet for the king. And she invited me back again tomorrow."
Then he complained to them about Mordecai. "Everything would be perfect except for him," he said. "He's always sitting at the king's gate. He refuses to honor me."
"Why don't you have him hanged?" someone suggested.
Haman liked that idea. So he had his workmen build a hanging platform.
That night, the king had trouble going to sleep. So he asked one of his servants to bring the daily court record to him. He read about the two guards who had planned to kill him. Then he read about Mordecai's part in reporting those plans.
"Mordecai saved my life! Did we reward him?" the king asked his servant.
"No, sir," said the servant. "We never did."
The next morning Haman came before the king. He planned to ask for permission to hang Mordecai. But before he could say anything, the king asked him a question: "What should be done to honor a man who has done a good thing?"
Haman thought the king was talking about him. So he replied, "Give him a royal robe and crown to wear. Let him ride through the streets on a royal horse. Have your servant announce, 'This is what the king does for a man he wants to honor.'"
"I like that idea, Haman," King Xerxes replied. "Do everything that you've said for Mordecai right away. Don't leave anything out."
Haman had to do what the king asked. But he was so embarrassed and ashamed that he hid his face all the way home. When he got there, he told his friends and family what had happened.
"You're losing all your power to Mordecai," they said. "You can't win. You're going to be ruined." But before Haman had time to answer, the king's servants arrived. They hurried Haman away to the second banquet Queen Esther had prepared.
What would happen? What would Esther say? God would be with her. And God will be with you, too.


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REPORT: Menstrual Cup Research Dissemination Meeting Menstrual Cups: Innovative Menstrual Health Management
The report from the Menstrual Cup Research Dissemination Meeting, which took place last year is now available online. The purpose of the... Read More
Menstrual Health Management training in Home Bay, Kenya
In June, we conducted a two-day training on Menstrual Health Management and the use of the menstrual cup in Homa Bay in Kenya.... Read More
Webinar – An unavoidable issue: Addressing menstrual health supply needs in humanitarian contexts
Menstruators do not cease menstruating during conflict, displacement and humanitarian emergencies but menstrual health management (MHM) issues are often not considered to... Read More
Global Research Update #21
Hennegan et al. (2019): Women's and girls' experiences of menstruation in low- and middle-income countries: A systematic review and qualitative metasynthesis. A... Read More
New vacancy: Administrative Assistant
Position title: Administrative Assistant Reports to: Programme Office Manager Location: WoMena Uganda Office – Ntinda Kigoowa Contract: 1 year (with 3 months... Read More


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How do you organise the apps on the screen of your iOS device? Do you sort them in any way? Do you use folders? Do you just use spotlight and search for them by name?
I keep most of my apps in folders, except the ones I use most frequently. These I keep on the first homescreen, out of folders. But let's focus on the folders. The naming and organizational scheme is important. Having 22 folders on my two homescreens wouldn't help me a lot if I had to open up each one to see if the app I was looking for is there.
So, for the last 13 months, I have been using Gina Trapani's folder naming scheme as she explained it on her Smarterware blog:
Organizing items by category makes sense in libraries and bookstores, on restaurant menus, in music and movies—but not apps. An app isn't consumable media. An app is a tool. It helps you perform an action, to do something. Modern programming languages and APIs are verb-based (think MyObject->setName() and and HTTP's GET and POST), and the user interface should be, too. That's when I settled on a verb-based folder system.
These tiny touchscreen mobile computers we carry around in our pockets are the ultimate multi-tool. I use my phone to read, shop, watch, listen, cook, play, navigate, share, jot, photograph, and chat, so I organised my apps just like that. The guiding question for where each app went was What do I DO with it?
Following Gina's advice, I have my apps organised in folders as you can see in the screenshots bellow. So far, this system works! I think what I want to do and go straight to the relevant folder to find the app to do it.
As side note, I have another rule that I (try to) follow: if a folder is full, in order to add a new app into it, I have to delete another. This helps me to avoid having hundreds of apps without using them. However, as you can see in the screenshot above, I break this rule by having two folders for games: You see, Rovio keeps making new Angry Birds games and I just have to have them.


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Electric Cars Aren't 'Zero Emission,' New Rules Say
WASHINGTON—The Obama administration's new fuel-efficiency rules for automobiles due out Thursday will undercut the auto industry's marketing claim that electric cars are "zero emission" vehicles, and instead score against them carbon dioxide emitted by electric-power plants, according to an administration official.
The decision is a setback for the auto industry, which had lobbied to use sales of "zero emission vehicles" to offset sales of larger vehicles that emit more carbon dioxide under the Obama administration's complex new system of mileage and carbon-dioxide scoring. The more "zeroes" the car makers could use in averaging their fleet fuel-efficiency scores, the better for auto makers.
But one auto-industry official said the proposal could give auto makers time to adjust to a more-stringent standard by phasing in the allocation of power-plant emissions over time.
Details of the electric-vehicle and hybrid scoring system weren't available ahead of Thursday's announcement.
Environmental groups lobbied for the change, saying electric vehicles aren't entirely "clean" unless the power plants are, too. They worried that car makers would use "zero emission vehicles" to effectively subsidize sales of gas guzzlers.
The oil industry had also lobbied for the change, saying greenhouse-gas emissions associated with electric vehicles are significant and should be quantified.
The change is to "recognize that there are indeed emissions associated with producing electricity," said a senior Transportation Department official who helped draft the rules. "The electricity that's coming out is coming from sources that are fired by a whole bunch of things," including nuclear and coal-fired power plants, the official said.
The new rules will still provide "generous credits" for electric or plug-in hybrids that auto makers will be able to use when calculating the average fuel economy and greenhouse-gas emissions of their fleets, the official said. But electric vehicles will no longer be counted as zero emissions, as a draft of the rules released in September had indicated they would.
The Obama administration's final rules are expected to call for car makers to target a fleet-wide average of 35.5 miles per gallon by 2016. Nissan Motor Co. NSANY -0.72% 's electric Leaf car is scheduled to go on sale in the U.S. in December. General Motors Co. plans to begin selling its Chevrolet Volt electric sedan later this year.
Gloria Bergquist of the Alliance for Automobile Manufacturers, a trade group representing all major auto makers except Honda Motor Co. , said the industry needs as large a government credit as possible for plug-ins to defray the costs of the technology.
"Part of the purpose of a credit is to encourage the introduction of these vehicles and to recognize the very large investments that are required by an industry that's still suffering greatly," Ms. Bergquist said.
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