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October 24th, 2008 - Open Knowledge — LiveJournal
Oct. 24th, 2008
11:31 am - Thanks to the seasteading volunteers
Many volunteers helped with the seasteading conference. My thanks to everyone who helped, especially the following people:
- Justin Owings for designing the t-shirts and signs.
- Helen Lein for designing flyers. ( Helen works with a group of women who help women with breast cancer. She teaches yoga, Tai Chi, and meditation, and she provides FREE home lessons to women who are undergoing treatment. The link goes to the volunteer site. )
- Eelco Hoogendoorn, Mike Katsevman, and Andrea Fassina for setting up and tearing down the conference rooms.
- Lexi for helping to set up the conference room, and manning the reception desk.
- Wayne Gramlich for planning, reserving the hotel, and building and demonstrating seastead models (among other things that I'm probably not aware of).
- James for planning, preparing and manning the volunteer table.
- Gayle for planning the workshops, organizing the kayaking and Forbes Island dinner, moderating the workshops, and many other things.
My apologies if I've forgotten anyone's contributions. If so, please let me know, and I'll add you to the list.
Original: craschworks - comments
12:10 pm - Why Was the Male to Female Ratio at the Seasteading Conference 10:1?
That's the question commonreader asks in a recent lj post. It's an interesting question, but not one I'm going to address yet. Instead, I'll answer some of the other objections to seasteading that came up in the comments.
Unless you are ready to subsist on the mercurial nature of eating the opportunal fish for the rest of your life, you aren't going to be happy.
Like cruise ships, seasteaders plan to import most of their food.
Won't it be prohibitively expensive to live aboard a ship fulltime?
According to this study in the Journal of the American Geriatrics Society, the cost of living full-time for a year on a cruise ship would be around $34,000/year (in 2004). The cost of living in the San Francisco Bay Area for a single adult is $29,633/year (in 2007).
Therefore, living fulltime aboard existing cruise ships does not cost much more than the cost of living in the San Francisco Bay Area. Although the initial prototypes will cost more than cruise ships, seasteaders expect that living aboard seasteads will ultimately cost less than cruise ship living since a) seasteads will be semi-stationary, and therefore will not incur as much fuel cost as a cruise ship and b) seasteaders will provide for themselves many of the services provided on a cruise ship (maid service, cooking, etc.)
What about motion sickness?
Millions of people travel every year on cruise ships. Most passengers seem quite capable of tolerating the wave motion for those trips. Moreover, most cruises are of a short duration. The longer one is at sea, the more acclimatized you become. Finally, the seastead prototypes current under consideration are designed to minimize wave motion.
How to you plan to raise the money?
On a square foot basis, the cost is estimated to be in the $500 - $600 range. Housing costs in the Bay Area are in the $300 - $400 range. So the expectation is to pre-sell units to wealthy Bay Area nerds. Some of the units are also expected to be time shares and rentals, since the pool of people willing to live on a seastead a few weeks out of the year is probably much larger than the pool of people willing to live there full time.
Although financing is uncertain, of course, we think there will be enough of a market to raise $50 million (+-20%), given that there was enough of a market to raise the $355 million required to build the Residensea.
I don't understand how they plan on keeping organized crime from blowing them out of the water, since they are obviously going to compete in drugs and prostitution. The Family International was muscled out of running escort services and they were a lot more realistic and unified than these people seem to be. Plus they had actual, you know, women.
Piracy is discussed in the book. (Although perhaps we need to expand upon it.) I don't think the mafia will perceive seasteads to be much of a threat, since we'll be on a ship floating at least 12 miles out at sea. Unless seasteads start selling drugs into the U.S. mainland, I don't think the mafia will care much more about seasteads than they do about Burning Man.
In my opinion, the biggest threat is the U.S. Coast Guard and U.S. asset forfeiture laws. The U.S. claims the right to enforce U.S. drug laws anywhere in the world, and can seize your ship even if you've not been convicted of a crime.
So it may be that the first seasteads will have to forgo drugs and prostitution initially, until they've grown enough to have the power to successfully defend themselves against the predations of the mafia, both legal and illegal.
Original: craschworks - comments
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Please feel welcome to submit any questions or concerns you may have regarding anything having to do with envisioning and planning for a fabulous retirement. I'll do my best to answer your question either privately or in an upcoming blog post. I won't mention your name or any specific information you share. This will let me know what… Read more
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Deposits Are a Hot Topic in Today's Environment11.20.2017
Liquidity management and forecasting has become of heightened concern among management teams and regulators. And with good reason, as financial institutions of all sizes, shapes and location are taking a harder look at member deposit rates, balances and overall funding costs in this gradually rising rate environment. While most have yet to observe meaningful change in local deposit behavior (both rate paid and balance), the threat is real and could be brought to life by a variety of factors.
Each credit union should take steps now to ensure it is prepared from a liquidity perspective.
Take Inventory
Member deposit growth is an essential strategic component for credit unions, but recognize that changing environments can hamper access to cost effective and core deposits. As such, a best practice ALCO process monitors the measurement and management of all forms of operating and contingency liquidity – not just access to deposits through members. The first liquidity component is typically on-balance sheet liquidity or what is often referred to as "liquid assets." This consists primarily of excess cash, investment CDs and government back securities (MBS, treasury and agency bonds), which are available for collateral purposes. Recent examination feedback highlights a renewed focus on the importance and sufficiency of this number. Examiners are looking to ensure credit unions could withstand potential deposit outflow scenarios and that they have access to the most pure form of liquidity – cash and investments.
Revisit your ability to access funding through the FHLB. The FHLB will accept your loans held in portfolio as collateral while allowing you to keep bonds available for other liquidity purposes. Many credit unions have been strategically holding additional residential mortgages in portfolio and/or growing member business loans but have failed to "beef up" their ability to borrow at the FHLB despite their larger asset base and pool of loans that could be pledged. Ensure that this outlet for funding is not only established, but is sufficient for any future funding needs. For example, a temporary outflow of deposits due to rate shoppers eventually having more alternatives.
Ensure All Parties Are on Board
Board members are volunteers that do not eat, breathe and sleep banking. Additionally, many credit unions have made an effort to bring in new board talent since the 2007 financial crisis. As such each credit union must provide ongoing "re-education" on timely industry issues and potential strategies. Liquidity measurement and management should be an educational priority for 2017 and a discussion on funding alternatives should be a vital component for those that have not been utilizing wholesale funding or non-member deposits for several years…or longer. These funding alternatives are a key component to the liquidity process at many high-performing credit unions, so ensure that your board has an understanding of and comfort level with all forms of liquidity and that policy tolerances are set appropriately.
Quantify and Discuss the Risk and Return Dynamics of Increasing Member Deposit Rates
Moving from one annual hike by the FOMC in 2016 to potentially three hikes this year has l been the main culprit for heightened concern around deposits. There appear to be two camps: those with a real need to grow deposits and those with a feeling that they should. If the liquidity profile of your credit union is strong, lagging deposit rates may be the appropriate strategy. If liquidity is or is projected to become tight, deposit retention and/or growth strategies are likely appropriate. It is critical to understand the cost/benefit associated with either strategy.
Each credit union has assumptions for how rates paid on its deposit base are projected to move as market rates increase (the correlation is referred to as a beta). Usually, the non-maturity deposit betas/assumed rate movements are appropriately supported by historical pricing and product strategies at the credit union in prior rate cycles. The current challenge with utilizing credit union-specific data in isolation is twofold: 1) the last rising rate cycle was over a decade ago (2004 to 2006) and the credit union atmosphere has changed significantly in the meantime; and 2) the FOMC is currently moving at a glacial pace (1.00% over the past two years and projecting only 0.75% per year going forward).
There is significant variation in assumed betas across the industry. However, to date most credit unions have not increased "posted or rack rates" on non-maturity deposit accounts. This has resulted in additional income in the form of cost savings – for most the annualized number is quite meaningful when taking the total balance of non-maturity deposits and multiplying by the assumed beta for these deposits. Said another way, the FOMC has increased short-term rates four times beginning in December of 2015 and the strategy of lagging deposit rates has produced a benefit to earnings and capital that interest rate risk models likely did not capture.
Additionally, examine the cost associated with increasing rates paid on various deposit products with each future 25bp hike. What is the return for the credit union associated with unilaterally increasing rates – goodwill with members? What is more likely to be noticed and valued by your members – a 5bp increase in the rate paid on their share account or additional technology, products and infrastructure? Note that the reality for many credit unions is that their balance sheets are structured such that the next several rate hikes by the FOMC produce very little benefit to net interest income and earnings and therefore capital, even with a strategy to hold firm on deposit rates.
These items should be considered at each credit union, regardless of its liquidity profile and determined need for deposits. Remember that while credit unions do not have shareholders actively watching their earnings and capital and holding management accountable, credit unions do have elevated regulatory capital minimums and requirements and also do not have readily available access to capital outside of their own earnings.
Deposit Strategies Should Be Based on a Credit Union's Individual Risk Position—Not a Competitor's
The analysis above can be eye opening at ALCO meetings and helps facilitate meaningful strategic discussions of deposit product and pricing strategy going forward. As a result, many credit unions are shifting away from increasing posted rates on all product types as they may have done in prior rising rate cycles. Instead they are refocusing deposit strategies to incorporate the total member relationship and allowing for rate "bumps" if the member has a variety of relationships with the credit union as opposed to a CD only depositor (likely a non-core deposit). Credit unions are also capitalizing on opportunities to expand the total relationship (grow balances, cross sell existing members and strengthen ties to the credit union) by offering deposit products that incent more than just a one-time deposit event. Other strategies often include demographic or geographic expansion through a targeted product set or tier pricing. Having access to your credit union's data has become critical to analyzing your current customer base and to be able to devise strategies to expand these relationships.
Before jumping to the conclusion that your deposit rates need to increase or that you should be offering long term CD specials, review your existing access to funding, look at your earnings and capital at risk under a variety of rate scenarios and run the cost/benefit analysis. Each credit union's realistic forecast for net new loan growth should feed into determining liquidity needs, but be conscious of the yields on loans in your market when discussing deposit retention and/or growth strategies. For many, loans yields are flat to down…not just mortgage rates, but member business loans and consumer loans as well. Also recognize that there is insufficient spread to cover overhead and keep the lights on at your credit union if you are growing CDs at a cost of 2% and funding indirect auto loan growth with an effective yield in the 3% range.
The existing challenges in today's environment are powerful and so far unyielding: pressure on asset yields, a very gradual rising interest rate cycle with a flat yield curve and economic uncertainty. Add in the potential for escalating deposit costs…ugh. It is critical to break down silos and fully analyze all strategies – not just deposit strategies – relative to your overall risk position. Click here for more on deposit analysis.
Keri Crooks is managing director for DCG, a consulting firm that specializes in asset liability management for financial institutions.


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This year, Southwest Monsoon made a delayed start by almost a week. Even after the onset of the Monsoon, it continues to be slow and weak. Southwest Monsoon is yet to advance in the interior parts. As of now, rains have been confined to Coastal parts of Kerala, Karnataka, and Bay of Bengal region. The sluggish and weak Monsoon is reflecting on pan India and at present India is deficit by 46% in this Monsoon season.
Kerala and Coastal Karnataka are the rainiest pockets during the Monsoon season. At the time of the onset of Monsoon, there is a change in the air mass. This time, rainfall has been confined to the West Coast solely, rains have underperformed over the coastal areas.
There has not been a single day when the rainfall has exceeded the normal in Kerala and Karnataka. From June 1 to June 7, Coastal Karnataka and Kerala have been a rainfall deficit by 76% and 60%, respectively.
In the past few days, there have been good rains, but they have been below normal in Kerala. Thus, the deficiency has been further pulled down and stands at 36%. Whereas, the deficiency levels in Karnataka has risen to 81%.
Weather Outlook:
Moderate rain and thundershowers would continue in both the pockets of Coastal Karnataka and Kerala. The routine range of rains over these places will be between 20mm-40 mm which is not heavy for these pockets.
Cyclone Vayu is still there in the Arabian Sea, with the help of south westerlies conditions are likely that moderate rains would be affecting parts of Kerala and Karnataka for the next few days. However, this will not be suffice to pull down the deficiency levels.
In order to witness good spell of rains, a fresh surge is needed once the impact of Cyclone Vayu fades away.
Image Credit: The Japan Times
Please Note: Any information picked from here must be attributed to skymetweather.com


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You might not be able to see the sea but there is enough sand here to keep most children occupied for the summer. But let's start at the Grand Hotel for a suitably grand breakfast with a view of the weather that is about to envelope you. Extras of the Morcilla black pudding were required for stability in the high winds and loading up was required to keep the fires burning on a wet day.
I love the vision of these original resort courses made possible and prosperous by the railways and the industrial output of the north west. The club building, the Dormy house and Pro shop are confident and solid buildings in their own right with plenty of architectural delights. It shows a self confidence missing from the rather more utilitarian buildings so often constructed nowadays. And the spaces they have created internally are made for entertainment, enjoyment and longevity of a proper members club. And they have a snooker table.
We had some rain but mainly we were subject to a wind that gusted up to 25 or 30 miles per hour. Opening with a par 3 and following the railway track down the first few holes you can never really relax. They say they have reduced the number or fierceness of some of the bunkers but I couldn't see how they could be much tougher. So as not to be a spoilsport I visited several and had the opportunity to perfect my technique; finishing with an up and down to a tight pin from the mid green bunker on 18. Very satisfying. My partner had to chip out sideways on at least two occasions and the green staff are probably still putting the sand back into the bunkers on the 9th.
It is very flat bar the undulations and small hills built up to and around the greens making accuracy critical to achieve par. It is a cunning course where even the most innocent looking holes from the tee unveil levels of trickery that keep you on your toes. I am afraid that there are no views only houses, also brought by the railway, which hem you in. You are neither aware of other players and holes nor feel like you are playing in an amphitheatre that some stadium courses create so it is open and natural and the space where stands arise for The Open are not blanks in the design.
The welcome in the club house is excellent and home to the best Gunners by far. Franklin's ginger beer the key! We had a jolly dinner served by kindly staff in the baronial hall and a less than brilliant exhibition of snooker before collapsing in the Dormy House.
But there is a lingering question. Is this really a links course? It is laid out link a links, it has bunkers, grasses, the weather and all the design style of a links but it is so well seeded and tended that it lacks the raw appeal of what I would call a true links. Birkdale, Formby and West Lancs follow and two of those, I would declare, are certainly my idea of a links course.


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Manufactured from a material existing of of natural fibers. Thanks to this composition of natural fibers, the ability to absorb sweat and maintain dry skin is increased. Item provides comfort during high temperatures, combining a high degree of comfort, with a permanent fire protection. Composition: 38% Cotton + 58% Modacrilic + 4% EA
Additional Information
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Robed Man #2
Purple smog?
This city doesn't surprise me much, but the students running from it seem a little…dangerous. I dropped my Pre-Calc book and stare out the window. It travels high, but tracing it down from the source it seems to be coming from…the science building? Strange.
It could be a weird RUSH event- it's about that time, but that doesn't explain the running. Maybe like a flash mob- there's a lot of things going on the campus at a given time… The news will probably be here soon enough, vans rushing through the only entrance to the campus, blocking everybody trying to get out of the school campus.
Like Eva's trying to do. This is when I heard the screaming.
I rush out my room, down the hall, sprinting towards to the door that leads outside, the one I was at just moments before. The Residence Assistant screams something, making this the second conversation we've had. The voice fades as my foot falls pound on the cement. It adds to the running of every other student fleeing.
The smog is worse, hanging low, causing the fleeing students to reappear when they leave it. Sounds of sirens join it, screeching from deep within the buildings of Newark, slowly getting closer, louder. The parking lot clears out, but the line leading away from the campus is rigid, congested as cars near the end collide, blocking all traffic from leaving. The scattering on the grass knoll has gotten bigger, making everything real. The students on the grass, the ones who didn't get to run, aren't moving at all.
The focus on the blue Mazda sharpens, becoming the only thing the matters. Seeing the end of the blockage signals that the Mazda isn't in the line. I search the parking lot, the line, the traffic outside the campus, the knoll, and all don't have what I'm looking for. She's gone? She made it out? I guess there's nothing to worry about. All there's left to wonder if what's going on in the science building.
And why there's a Blue Mazda sitting near the entrance of it?
The entrance doors are open wide, still spewing thick, purple clouds that obscure any vision from what's inside. This is when the courage I always assumed was there, deep inside me would jump out, pulling me inside, prepared to handle whatever, looking to pull her out. I learn it pulls me away, yet my feet anchor into the ground. My shoes glued to the floor. I pull and pull, and when I finally bring up my knee, someone comes out.
The figure stumbles forward, a red drool leaks from the figure's mouth. He staggers, and looks at ahead, looking through me, and steps closer. I step back, itching away. The moan is low, guttural, and he recognizes that there's a person in front of him. His last step stops him in his track, and falls, shaken when he lands. I look over to the knoll and see that it's full. Most of the students- adults, lie there motionless, with red mixing in with the green and brown.
Coughing brings me back to the door, and two shadows move to the light. One person carries the other, straggling in a cradle of an arm wrapped above the neck. A streak of hair flap on one side of a woman's head. The student falls, taking Eva with him, and she lands on top of him. She pushes herself up, looking at the boy she just saved. She presses her head on his chest, and immediately starts giving compressions.
She looks up at me. Her determination breaks as her mouth contorts, and she looks down, refocusing on the weight of her pressing in to the student's chest.
I run to her. She's 50 yards away, something I can close in no time, but legs are weak. My anointed frailty left me weak, but the remaining strength brings me close enough to see her shaking her head.
The message comes clear though I don't understand it.
"Eva, what-"
Blood shoots from her cough, her chest heaving has she covers her mouth to prevent more from spreading in front of her. She wipes her mouth, then continues to pound on the student's chest.
He breathes. He rolls to left. Eva rocks back undo her feet, sitting on them for balance, until she falls backwards.
I'm jerked backwards, something pulling on my arm.
I yank to get my arm free, but the grip on is too strong. I wriggle, screaming her name as an arm grabs me around my torso, and yanks me away from the scene.
"You gotta get back, or you're going to end up everybody on that damn lawn."
The hold vices around me, preventing me from swinging anything that could win me free. Her name is the only thing I hear. Her cold body is the only thing I see.


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Fall is a beautiful time of year in Northbrook, IL. Trees begin to shed their green for bright colors, and there's still a sense of warmth before the holiday season takes over. However, there's also an ugly side of fall afoot: Unsightly leaf pile-ups and grass that has seen better days could hurt your home's curb appeal with each passing week. Lawn care service in the fall can prevent such unattractiveness and prepare your landscape for the cooler months.
Healthy Lawn Year-Round
Fall's fast entry on the heels of warmer days may reveal the toll your lawn has taken recently. During the summer heat, grassroots can really suffer, and fall is a great time to set the stage for rebuilding those that have taken a beating. This is also an opportunity to take a look at the spots of your lawn that have been covered up by movable structures or items during your summer entertainment sessions. For example, outdoor furniture or a kiddie pool that hasn't been moved in awhile likely left their mark in the form of crushed grass. While these items are great for summer recreation purposes, the "bald spots" they have created need to be repaired.
Related: How Regular Lawn Maintenance Service Can Improve Your Northbook, IL, Landscape
Additionally, any summer weeds that may have cropped up during the summer months won't stand a chance if regular maintenance soon takes effect. Processes like mulching nourish your lawn so that it's ready to go into the cold winter months as healthily as possible. This also means that when spring rolls around, your lawn will be out ahead of the pack as it will have had enough nutrients to sustain it during the cold months.
Mowing Knowledge
During the fall, consult with your lawn care professional for the best ways to get it ready for the winter. Keeping your lawn low is a good way to preserve it as the colder months creep up. As your lawn maintenance expert will advise, the lawn should be mowed as usual. However, the difference comes with regard to mower blade settings, which should allow for a cut that will keep the grass as short as possible. By doing it this way, you'll have less grass turning brown during the winter, as sunlight will still be able to reach the grass tips.
Related: 7 Long-Term Benefits of a Lawn Service to Your Buffalo Grove, IL, Backyard
Busy Times Ahead
With so many activities in the fall, the window for thinking about lawn maintenance may be short. Thankfully when you have a dedicated lawn care service provider, you don't have to put much thought into it and you'll have a plan for when spring rolls around. Your lawn will retain its vibrant look, leaves will be cleaned up when necessary, and as winter approaches you'll still have one of the best lawns in your Northbrook, IL, neighborhood.
Lawn Maintenance for You
It's incredibly important to continue your lawn care service throughout fall. At Joe & Tony Landscaping LLC, we provide a range of services so your lawn is always at its best no matter the season.


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Oakley Expert
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What I'm curious about is what kind of a tattoo artist would do that to a person who is that drunk?
Maybe the kid shouldnt party that hard. Now pass me the Jack Daniels. No dude, that bottle, the one with the nipple on it.not as bad as:
View attachment 195028
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BARNHART, MO (KTVI)-- Several dozen kids on a church trip were overcome by heat Thursday afternoon.
About 50 to 60 kids were headed home to their Imperial Church when their charter bus lost its air conditioning.
People on the bus began to overheat, so the bus stopped at the Walgreens at Highway M and Catlin Road for the students to get medical treatment at a Walgreens clinic.
Paramedics were on the scene helping the Walgreens staff.
One teenager went to the hospital; six others were treated for heat exhaustion.
A cooling station was set up in the parking lot.
Parents picked the children up at the Walgreens.


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As if hard, slick greens weren't enough, for the first time in the ten rounds played among the three tours so far at Oakmont, the wind was up. Scores, too–to the tune of three strokes (71 aggregate in the first round vs. 74 today). The round one leader still leads while the duo in second dropped off and two other guys just shattered the grading curve.
Dow Finsterwald, he of the 7-under 63 yesterday, maintained that 7-under with an even-par 70. And, with the top guys either maintaining or dropping off, that 70 was good enough to maintain a two-shot edge at the halfway point.
Finsterwald started out well enough, birdieing one after flirting with the fairway bunkers on the left then landing safely on the green in regulation and dropping a 16 footer his three. But the wind, combined with "tomorrow's another day, made almost certain that the birdie, as well as yesterday's 16 greens in regulation, were in Finsterwald's rear view mirror. His bogey at the 593 yard par five fourth came as his approach from 60 yards flew the green and he just missed on his eight-footer for par. Finsterwald birdied the par three sixth for the second straight day. Playing at 185, a 7-iron and a 14 foot putt was good for a two. But he gave that stroke back at the next hole when he missed the fairway left with his drive and missed the green left on his approach, unable to get up and down as his pitch and run ran right through the green. Yesterday, Finsterwald was faced with only two scramble opportunities thanks to hitting all those greens in regulation. Today, he was faced with ten, converting on eight, still mighty impressive. But, eventually missing those greens catches up. Still, Finsterwald finished with eleven consecutive pars, six on scrambles–maybe seven as he two-putted from the fringe at eighteen. Technically, he was off the green when he hit his third, so…
One of the curve busters was Jack Nicklaus with a 66. Old Tom Morris also was eight strokes better than average today. No one else was within three of those two.
For Nicklaus, his 66 zoomed him into second, two shots back, and he'll be staring down Finsterwald in the third round tomorrow. Like Finsterwald, the wind got Nicklaus a bit, though he was able to compensate that much better. 16 greens yesterday vs. 12 today. But Nicklaus converted on all six scrambles and therefore avoided the bogeyman. His birdie at three was mighty impressive. It started with a visit to the Church Pews then a flyer which stopped on the back fringe. From 43 feet, Nicklaus took out the flat blade and drained it. He parred out the rest of the front side then started the back side by short-siding himself on his approach but still landing pin high and dropping in a no-doubter for birdie (both birdie putts came on results of "1"). Nicklaus then posted back-to-back birdies at fourteen and fifteen–fourteen on an approach out of the fairway bunker to 21 feet and another long distance putt (only a result of "3" this time) while, at fifteen, Nicklaus backed down to a 3-metal off the tee, leaving himself 234 in on the 501 yard par four. All he did was park a 4-iron within four feet of the hole. Pars the rest of the way, though not easy, by any stretch (bunker off the tee on the par three sixteenth then still facing 21 feet off the fringe for par and another "1," two-putt par on seventeen and a long greenside bunker shot to two feet at the last), as Nicklaus finished with a 66.
In New Jersey, we shoot bears.
In Pennsylvania, they beat you up
on the golf course.
Tom Watson and Willie Campbell shot 64s yesterday. Today, it was 73s. That left them in a foursome at 3-under 137, four shots back. Watson had a birdie-free round, though he did manage to scramble nicely, converting on six of seven. However, he walked off eighteen with a bogey after missing a four-footer for par. Campbell managed to squeeze two birdies into his round, including at eighteen for the second straight day as he made his four-footer. But he was only able to scramble successfully half the time (4/8) and it cost him.
Old Tom Morris is the third member of the foursome at 3-under. As mentioned and like Nicklaus, he also shot a 66. Morris didn't start out well at all, almost shanking his tee shot into traffic on Hulton Rd. but managing to stay in play. Finally hitting the green in four, Morris made double. But the highlight of his day started at ten. Yesterday, Morris double bogeyed that after playing army golf. Today, he cut that in half, making birdie three thanks to a 5-iron approach to three feet. Then, nine feet for birdie at eleven, five feet at twelve and Morris followed that by chipping in for birdie from 25 feet at the par three thirteenth.
The fourth golfer at 3-under is Retief Goosen. Goosen had a good day–better than most–hitting thirteen greens and failing to get up and down only once. Unfortunately, that one cost him an extra stroke as, at the 484 yard seventh, Goosen drove into the bunker, missed left on his approach but had a good line and a lot of green to chip with. But he misjudged the speed of the green and left his chip 13 feet short then three-putted for a double. But his two birdies were impressive. Church Pews off the tee at four and a second that still left him 185. All he did was park a 5-iron to five feet. And, at fifteen, Goosen sank a 36-footer for birdie three.
We've got the first six. And, in a five-way tie for seventh at -2 are: Ralph Guldahl (69 today), Byron Nelson, Ted Kroll and Gary Player (all at 70) and Willie Park Sr. (71).
Kenny Perry at eleven. Turned out to be his only under par hole for the day in a mediocre round of 73. Perry bogeyed the hole yesterday after hitting the fairway with a 3-metal. Today, for whatever reason, he dialed it down to a 3-iron, and took aim from 129 with a full pitching wedge. His ball checked up then backed up and rolled in for an eagle two.
Mark Hayes shot a 65 on day one. Today, he couldn't buy a birdie–not even rent one–and shot 75. The sum total of that is even par 140 leaving him in a six-way tie for fifteenth.
+6 with 81 making it. Shot under par yesterday and still missed: George Archer and Billy Ray Brown, both 69-78. Some who missed the boat this week: Doug Ford and Miller Barber (both +7), KJ Choi and Vijay Singh (+8), Ernie Els and Jim Furyk (+9), Johnny Miller (+10) and David Duval (+11).


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This page is now closed. Take a look at other inspiring pages on JustGiving
Closed 19/01/2019
We've raised £0 to help us fund a trip to Nakuru, Kenya to build a school, educate and help the poor and orphaned children. We are working with AfricanAdventur
- Nakuru, Kenya
- Closed on Saturday, 19th January 2019
What is crowdfunding?
Crowdfunding is a new type of fundraising where you can raise funds for your own personal cause, even if you're not a registered nonprofit.
The page owner is responsible for the distribution of funds raised.
Help the Children of Kenya!
Every year an organization called African Adventures takes volunteers from many schools to poorer areas around Africa. In August 2019 around 50 volunteers are going to Nakuru, Kenya from our high school.
This trip has found to be a life changing experience for pupils which enhances their cultural and social awareness." - Head Teacher.
Kenya was once an extremely poor place however with volunteers from the past years we have helped the people from Kenya greatly improve their country. Kenya is could soon become an NEE with your help. (newly emerging economy) Dotted among the slums there are some less-affluent places and with your donations we could transform all of Kenya into the safe, clean homes these children need. I would be extremely grateful if you donated some money to us today, thank you.
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I have always had a great interest in different cultures and would love to help the children in Kenya to have a chance. <3


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Brand Ambassador - Hoffman Auto Group
Job description
Hoffman Auto Group is looking for a Brand Ambassador at our Porsche location with a high sense of urgency and a team player spirit. Come join a team that promotes career development and community outreach with the family values that embody being "Driven by Trust"
Directly responsible for selling new and/or used vehicles at dealership gross, volume and customer satisfaction standards. This position includes three broad areas of activity: personal work habits, prospecting and selling. The base of this business is customer satisfaction; the Brand Specialist is committed to guaranteeing satisfied customers.
- Develop a creative method or program to reach predetermined goals in the allocated time.
- Review and analyze actions at the end of each day, week, month, year to determine how to better utilize time, plan more effectively or obtain support.
- Report to management concerning objectives, planned activities, reviews/analyses as directed.
- Attend sales meetings as directed.
- Maintain CRM system so as to encourage repeat business and make the vehicle owner conscious of the Brand Specialist so he/she will refer leads and prospects and achieve market share requirements.
- Maintain a prospect development system, which may include a group of prospect locators and sales associates. JOB REQUIREMENTS:
- Customer centric mind set
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- Passionate about learning and technology
- Excellent communication skills
- Must possess a high sense of urgency and be goal driven while balancing team player characteristics
- Must have proficient computer skills
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You are currently in American Truck Simulator Free Download Page. This page contains American Truck Simulator Free Download Link (Include All DLC And This is V188.8.131.52S), American Truck Simulator system requirements , American Truck Simulator Download ,American Truck Simulator Pc Download, American Truck Simulator review, American Truck Simulator Crack, how to install the game explained step by step and American Truck Simulator Gameplay. You can Direct Download or Torrent Download, both link are available. Enjoy American Truck Simulator Free Download For Pc.
System Requirements: (MINIMUM)
OS: Windows 7 64-bit
Processor: Dual core CPU 2.4 GHz
Memory: 4 GB RAM
Graphics: GeForce GTS 450-class (Intel HD 4000)
Storage: 3 GB available space
How to install:
1. Extract the file. 3. Play the game & enjoy.
Game Review:
First of all, let me say that ATS is a beautiful piece of work. I used to have a copy of Wheels of Steel and this is vastly superior. Tumbleweeds rolling across the highway, really creative, etc. really scenic.
This is a game more than a simulation. In 50 trips I only once managed to avoid CS traffic bumps (cars out of nowhere) and red light violations that cost an average $1,300 fine EVERY trip. It never happened in real life or I would have been fired and out of work.
All of these wonderful camera views! Unfortunately, they don't exist in real life, except for left or right side views. If you can't see it through the windshield, side windows, or mirrors, a driver has to get out and look. Reality again.
My nemesis . . . steering. A big truck couldn't safely operate with this kind of steering. Four to six turns lock to lock, depending on truck model and age. Keeping it between the lines is impossible (yes, I've fiddled with the settings but they're not enough). The weight and size of a tractor along with the gyroscopic physics of those big wheels preclude it from doing that. Or a lot more big rigs would be resting (on their sides).
If you meant this to be a game you did a masterful job. If you meant simulation it's still a great job, just not realistic. Perhaps a toggle at the beginning, Sim/game, so we could decide.
If you like the game then Please buy it to support the developers Steam Link.


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Jessica Harper is a young American ballet dancer who arrives at a prestigious European dance academy run by witches. She soon finds herself knee deep in a nightmare world of hallucinatory horrors that lie around every corner. Dario Argento's classic scare film looks and sounds great remastered from the original negative. Widescreen print with trailers. DVD
© 1993 - 2019 Cinema Wasteland. All rights reserved.
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Maggie's Farm
We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Our Recent Essays Behind the Front Page
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Sunday, April 19. 2015
Phitness comments
Most exercise is a terrible and inefficient way to lose weight if you are too heavy or fat. Just think about it: A four-five mile high-speed walk will barely burn off the calories in a donut, muffin, or bagel (with the cream cheese, add another few miles). You would have to walk all day, every day, to lose weight.
Remember, all carbs=sugar and yes, that includes the carbs in beans, peas, corn, carrots, potatoes, yams - all the high-carb "veggies." We feed those things to farm animals to fatten them for slaughter. Some people get wacky about sugar, but human digestion turns all carbs into plain sugar so there is lots of physiological ignorance out there about "complex carbs" and so forth. So-called "complex carbs" just get turned into sugar more slowly.
Nature designed us to love carbs because nature expected us all to be poor and half-starving on the African savannah. If you have excess fat which bothers you or slows you down, you do not need hardly any carbs. You do need some fatty meats, though, or other fats like olive oil.
If happy with your physical condition and level of conditioning, please ignore all of this.
I've been following Bird Dog's fitness renewal program which is not designed for weight loss but to convert fat weight to muscle weight, and I approve of it. A bonus of that sort of high-intensity program (which I have done for a few months in the past to rapidly get back to fighting condition after periods of relative sloth, such as after childbirth, to get back my 28 year-old weight and fitness) is that it can help a fellow survive a male's almost-inevitable MI by building up collateral cardiac blood supply.
While high-intensity work-outs will burn fat (but only if on a carb-restricted diet), the main things they build are aerobic capacity and endurance, agility, a feeling of youthful vigor, and muscle fitness if not muscle power. Those are all good things. (Gross muscle power development - body-building - requires heavy lifting instead of reps and is more about appearance than fitness. A harmless hobby for some.)
Posted by Dr. Joy Bliss in Psychology, and Dr. Bliss at 13:08 | Comments (7) | Trackbacks (0)
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[A] low-fat vegan diet leads to significant weight loss, without requiring dieters to restrict calories, portion sizes, *or carbohydrates*, or even to exercise. In a controlled trial conducted by PCRM's Neal Barnard, M.D., Gabrielle Turner-McGrievy, M.S., R.D., and Amy Joy Lanou, Ph.D., along with colleagues at Georgetown and George Washington universities, overweight women lost an average of 13 pounds in 14 weeks. They also trimmed two inches off their waistlines and an inch off their hips. The study is reported in the September 2005 American Journal of Medicine.
The vegan group's weight loss—about 1 pound per week—is similar to that seen with low-calorie diets, but occurred with no limits on calories, portions, *or carbohydrates*.
[D]uring a second laboratory visit. Each participant had a glucose tolerance test, which meant drinking a syrup containing 75 grams of glucose, followed by blood tests every 30 minutes. Before the study began, the testing had shown a predictable rise in blood sugar over the following three-hour period. However, after 14 weeks on the vegan diet, the tests showed a noticeable change. The participants again drank 75 grams of glucose, but the average blood sugar rise was much more modest. The reason, apparently, was *an improvement in insulin sensitivity that caused their cells to be able to pull glucose out of the bloodstream much more quickly*.
Weight loss, meet health. More:
[A] new study shows that vegan and vegetarian dietary patterns can result in more weight loss than those that include meat *without emphasizing caloric restriction*. The study, "How Plant-Based Do We Need to Be to Achieve Weight Loss? Results of the New Dietary Interventions to Enhance the Treatments for Weight Loss (New DIETs) Study," also emphasizes the importance of incorporating low-fat and low-glycemic index foods. Results of the award-winning study are being presented today at a special session of The Obesity Society (TOS) Annual Meeting at ObesityWeek 2013 for the five finalists of the TOS Ethan Sims Young Investigator Award.
The reason for greater weight loss in the vegan and vegetarian groups remains to be studied, but may be due to *changes in macronutrient content as macronutrients (percent kcal) were found to be significantly different across groups, with the vegan group having the lowest saturated fat*. In addition, participants in this study most likely ate fewer calories as a result of the dietary changes they made to consume more vegan or vegetarian meals.
Veganism and vegetarianism are simply fad diets. They are marginally good for you providing you consume supplements to provide what they lack. Why???? Why not simply eat food and enjoy it, including meat? I'm stumped. I assume that the ONLY reason a vegan chooses to be a vegan is so they can tell everyone they are a vegan. Like that old joke: how do you know if somene is a vegetarian/vegan? Wait ten minutes and they will tell you. Most vegans/vegetarians are female as are most anorexia. Why? It is obvious we were intended to be omnivorious.
Breathing doesn't help you lose weight. That's just a myth. You can breath 24 hours a day and not lose a pound.
And then there's the drinking water canard or the sleeping well myth.
While breathing in moderation won't hurt you much, rest and hydration are foolish fads.
That last bit about strength/weight training is confused.
Gravity is the ultimate in sports equipment. It's always there. Picking up heavy weights against gravity is an excellent way to build a lot of qualities without the joint injuries caused by repetitive motion like running.
Exercise with weights that you can only move 3-5 times, and you will build strength - and after you hit your existing muscle's potential, you will build muscle mass.
Use weights that you can move 10-15 times, and you will build "endurance" - the muscle's ability to work without oxygen.
Using weight that falls between these - something you can move 5-10 times - generally increases muscle mass more while increasing strength moderately.
There are subtle effects as well related to improved neurological recruitment of muscle fibers and improved work capacity (your muscle cells get more efficient at burning fuel and more tolerant of the waste products). Even using light weights for 10 or more repetitions seems to "reset" your muscles such that the maximum weight you can heft goes up. This is why strength training often cycles between strength and endurance phases.
We now know that almost any activity that gets you breathing heavy for at least 40 minutes has an impact on your metabolism - whether the quality you seek to build with that activity is strength, mass, or endurance.
Cellulose is a carb. Cellulose is not converted to glucose by the human body. Therefore, "human digestion turns all carbs into plain sugar" is false. In truth there are many simply sugars and very many complex carbs the body can't digest at all.
I think you are referring to non-digestible fiber. I would assume you would understand what "non-digestible" means. One of my nieghbor kids used to eat sand out of the sandbox. I can still remember his mothers comment when I told her, "he will shit it out". I just shook my head at her stupidity. And yet she understood "non-digestable".


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Research Project
Grant-in-Aid for Scientific Research (C)
We clarified the following results, by the financial support of a Grant-in-Aid for Scientific Research (no. 10671696) from the Ministry of Education, Science, Sports, and Culture, Japan. The luck of glycogen deposits in the interacting enamel knot and mesenchyme during early morphogenesis was thought to be associated with their demonstrated high signaling activities. Since glycogen deposits was seen in the mesenchymal cells at future bone sites, the glycogen in the dental follicle cells was indicative to be associated. with their development into hard-tissue-forming cells. Enamel knot cells were increased in height and some cells possessed a developed Golgi apparatus and secretary granule-like vesicles. Enamel knot cells were decreased in height during the late cap stage, and they disappeared during the early bell stage. Some cells in the enamel knot possessed large phagosomes including electron-dense material which were thought to be apoptotic bodies and these phagosomes were increased in number during the late cap stage. Furthermore, the apoptosis inhibitor induced the decreased size of the tooth germ and increased cell density of the enamel organ in vitro. The deficiency of Msx-2 gene prevented the apoptosis of enamel organ and influenced both the function of enamel organ and the nutritional supply to induce the necrosis of ameloblasts, resulting in imperfect amelogenesis. Furthermore, the deficiency of Msx-2 gene induced the irregular shape of tooth germ and the disappearance of the enamel free area which is the peculiar features of rodent molars.
Published: 1999-04-01
Modified: 2016-11-11
User Guide
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Hotel Rock'n'Roll (2016)
Is Hotel Rock'n'Roll on Netflix United States?
Sorry, Hotel Rock'n'Roll (2016) isn't available on Netflix United States, but is available in a different country.
An heiress of her uncle's Hotel building tries to reopen the Hotel with the help of two friends with whom she performs in a rock&roll band. Neither does she know that a man working as a ... When Mao inherits her uncle's run-down hotel, she brings in her bandmates to help run it -- and defend it against some shady competitors.
- Title
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- 6.4 (127 votes)
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Watch the trailer
Check the Hotel Rock'n'Roll (2016) trailer!


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Vpn network access
remote printing and Remote Desktop. There are three primary vpn network access functions available to you when using the VPN : file and folder sharing, vPNs are most commonly used for file and folder sharing.which in this case would prevent the file from functioning properly. This is important because sometimes Notepad places a.TXT extension to the end of a vpn network access document youve created, dO NOT use any file extension.
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your user account will be listed by default. During the last column we used VPNUSER. If you use another account for your VPN access, this process might take a few minutes. Enter it here. Once it's finished, press Share. When finished,on the folder line enter the IP address and share name; example, vPN_PROJECTS and click Finish. That's it, note - If youre going to use this share on a regular vpn network access basis, be sure to select the Reconnect at Logon option.
bypass Internet Censorship : Many Chinese people use VPNs to get around the Great Firewall of China and gain access to the entire Internet. The Great Firewall has apparently started interfering vpn network access with VPNs recently.) Downloading Files : Yes, (However,)vPN client to connect to the VPN host we configured the month before. We completed our discussion on how to setup vpn network access and configure a. Last month,
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Roasted Garlic Hummous
Hummous. Hummus. Humous. However you spell it, this dip, spread, chickpea wonder has become more and more popular over the years with its prevalence not showing any chance of waning in the near future. Being vegan it may come as no surprise whatsoever to discover I consume bucketloads of the stuff. It's such an easy and tasty way of getting my protein. I spread it on crackers, toast, bagels, scoop it up with carrot, cucumber, tortilla chips - I've even been known to eat it by the spoonful. In short, I might have a mild obsession with this middle eastern triumph.
Now I know no hummous can compare to what you find in places like Jerusalem. I mention Jerusalem because I've heard the hummous there is out of this world amazing.
There are several establishments I've read about in various different articles that apparently serve the best hummous you're likely to ever taste - Abu Shukri is one such place that crops up time and again and I could kick myself for being such a doughnut, as would you believe I've been to Jerusalem twice in my life and neither time did I sample any of this magical, creamy, dreamy, could probably and would probably slather myself in it, hummous. Ugh - nevermind eh? There'll always be a next time - I hope.
In reality I might be waiting a very long time before I travel all the way back to Israel to taste, what would seem to be, the holy grail of hummous, so in the meantime I'll have to (attempt to) recreate it in my own kitchen. Well I never said I wasn't ambitious. Okay, so I know I'll never be able to compete with the hummous masters of Jerusalem yet I can but try and with this slight twist I think I may be as close as I'll ever get to the perfect homemade hummous.
Who would've thought that all my already perfectly nice hummous needed was one giant roasted clove of garlic, and when I say giant I mean giant! There happens to be a fantastic deli called Yasmins near to where my Husband works in the lovely little Cornish village of St.Just. The deli sells all sorts of yummy eats including some incredible bulbs of garlic intended for roasting. These things are huge. My eyes nearly popped out of my head when Hubbie landed home with one - I was a wee bit intimidated I must admit. It sat on my kitchen surface for a couple of weeks before I had the nerve or inclination to tackle it but I needn't have worried because roasting the bugger couldn't have been simpler.
In the end I just wrapped that sucker up in some greaseproof paper and roasted it in a low(ish) oven for about an hour and the result was perfectly soft and squidgy garlic cloves that could be used in an endless amount of recipes. Mine ended up in a herby garlic butter, which I spread between the crevices of semi sliced baguette and baked for the ultimate vegan garlic bread; minced to a pulp for a super tasty enchillada sauce and, of course, popped into a blender for this gorgeously creamy hummous.
I recently read David Lebovitz's tips for being a better blogger. I pretty much take what that man says for gospel but I'll be darned if I can't keep my waffling to a minimum. To add to my list of blogging crimes, I have no clue what my niche is (vegan isn't necessarily a niche esp. when there are hundreds more out there), I don't have a cute pet name for my Husband (well I do but I might be a very young divorcee if I divulge it on the net), I'm pretty sure my titles suck (Roasted Garlic Hummous? Um, kinda does what it says on the tin) and I can only hope that I'm saying something others might be interested in but originality is a tall order these days.
What I am sure of is that this roasted garlic hummous is the best hummous I've ever made and that makes me very happy. Oh yes, and David(like he's ever read my blog), you've helped me reign in my excessive exclamation mark usage so thanks! Ah, poo.
roasted garlic hummous
1 can of chickpeas/garbanzo beans
1 tsp dark tahini
juice of half lemon
1 very large roasted garlic clove (equivalent to 4 normal sized ones)*
2/3 tbsp extra virgin olive oil
salt and pepper
1/4 cup reserved liquid from the chickpeas
Drain and rinse the chickpeas ensuring to reserve some of the liquid. Put them in a blender or food processor along with the garlic clove, tahini, lemon juice, oil, salt and pepper and half of the reserved liquid. Blitz until smooth.
Taste and adjust seasoning if necessary. If it is still a little thick add the remainder of the liquid and blitz again. You want the hummous creamy so keep blitz'n until you achieve that consistency.
Serve in a bowl drizzled with a little more extra virgin olive oil and a sprinkling of sesame seeds.
*roasted garlic
Pre-heat the oven to 150 degrees celsius/300 degress fahrenheit.
Cut the bottom off the garlic so it can stand flat. Rub the exposed bit with a little oil.
Wrap the giant garlic (if you can find one, if not use a normal sized one or the largest bulb you can get your hands on) in greaseproof paper and tie it tightly with some cooking string.
Roast for at least an hour until the cloves are very soft - so soft they slide easily out of their skins. Use.


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Posted by cheryl on 10/15/2017, 9:20 am, in reply to "Charles paddle"
yes mike it has been cancelled
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Charles paddle - Mike 10/14/2017, 8:11 am
Re: Charles paddle - cheryl 10/15/2017, 9:20 am
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One of the standard definitions used to describe a functional state comes from sociologist Max Weber, who described a state as having a monopoly on the legitimate use of violence or physical force. For stable governments, Weber's maxim is rarely relevant, and we tend not to think about the significant role that the military or police can play in support of or in opposition to a regime.
In Venezuela, however, after opposition leader Juan Guaidó announced himself the legitimate president, the role of the military may prove to be of paramount importance in the coming weeks.
Optimists hoped that after the United States and most of Latin America recognized Guaidó as the legitimate president of Venezuela, the military would abandon Nicolas Maduro and help overthrow the obviously incompetent and corrupt regime in Caracas.
Hoping that he could win the support of the armed forces, Guaidó said in a press conference, "I want to insist, to our military family, our brothers, the moment has arrived for you to put yourselves on the side of the constitution," and offered amnesty to any officers who chose to support his cause and restore democracy.
These hopes were dashed abruptly on Jan. 24, when Defense Minister Vladimir Padrino López announced his support for Maduro and denounced Guaidó's "disgraceful" stunt, labeling him as an agent for American interests.
López's definitive declaration of support for Maduro is certainly a blow for the opposition, but it is not yet clear what role the military will have in shaping Venezuela's future. While the military ostensibly supports Maduro for the moment, they have done nothing to quash Guaidó's movement, perhaps indicating that a nonviolent solution is still possible.
It would be a mistake to think of the military as a singular, cohesive entity, however. As is typical in kleptocratic regimes, the top brass of the military has close ties to the regime.
In an article for NPR, author John Otis wrote that "the top brass has been shielded from Venezuela's economic meltdown because these officers receive numerous perks and have been put in charge of lucrative government operations — everything from arms purchases and steel production to food distribution and the vital oil industry."
As a result, the upper echelon of the Venezuelan military is subservient to Maduro and are unlikely to defect. Brian Fonseca, director of the Jack D. Gordon Institute for Public Policy at Florida International University, noted in an article in The Washington Post that this corrupt relationship between the state and the military elite "essentially tied those military leaders to the survival of the Maduro regime," and that "to break with the Maduro regime means you're vulnerable to being arrested."
The middle and lower tiers of the military are less indebted to Maduro's government, however, and are clearly less than inspired by their president's call for "maximum loyalty." Unlike their superiors, the lower ranked officers and soldiers have felt the effects of the depression and hyperinflation in recent years.
As a result, military desertions have become commonplace, and Maduro's control over the armed forces is likely to be at an all-time low.
As the foundations of democracy disintegrate in Venezuela, the military will certainly emerge as the crucial entity in determining their country's fate. The International Crisis Group acknowledged this reality, writing in an analysis of the ensuing crisis, "If Maduro retains the armed forces' support, he will almost certainly seek to stay in power and violently crush those who are challenging him."
The developments in the coming weeks will be hugely transformative for Venezuela. While a coup would be disconcerting and would hardly ensure a peaceful return to stability and sensible, democratic governance, one can be certain that allowing Maduro to remain in power would be disastrous.
While other countries have done their part in denouncing Maduro and recognizing Guaidó as the legitimate president of Venezuela, it will be up to the Venezuelans themselves — specifically the armed forces — to determine what happens to their nation.