text:
Barry D. Jones
Professor of Pastoral Ministries
BA, University of North Texas, 1997; ThM, Dallas Theological Seminary, 2002; PhD, Wheaton College Graduate School, 2008.
An acute desire to train future leaders who are deeply rooted in their faith and vitally engaged in the world around them is what drew Professor Jones to the faculty of Dallas Seminary. During his time as a student at the Seminary, Professor Jones spent three years on staff with the Spiritual Formation program. Upon the completion of his Th.M., Professor Jones had the privilege of being one of the first two students in systematic theology admitted to the Ph.D. program at Wheaton College where he was the recipient of the Betty Buttress Knoedler Doctoral Fellowship. He and his wife Kimberly are the parents of two young sons, Will and Pierson. His scholarly interests include the theology and history of Christian spirituality as well as issues in spiritual formation and leadership in contemporary culture. In addition to his responsibilities at the Seminary he serves on teaching team at Irving Bible Church.
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- PM102 - Evangelism
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- Dwell: Life with God for the World: IVP Books: 2014
Academic Interests
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subset: commoncrawl


text:
Interstate signs for services not happening anytime soon
By GARRY RAYNO
State House Bureau | October 23. 2013 8:55PM
New Hampshire is one of only five states not allowing service signs on interstate highways although they are at exit ramps.
"The New Hampshire Lodging and Restaurant Association supports SB 29 because as a state that relies heavily on tourism we must recognize that service information provided at the appropriate time while traveling our highways is one small convenience that adds to a positive visitor experience," said Mike Somers, president and CEO of the organization. "The information that would be provided through this sign program will help drive visitors to our members and ultimately generate revenue for the state."
"I oppose any expansion. Enjoying the scenic beauty of New Hampshire is the primary reason they come here," said House Minority Leader and former long-time public works chairman, Rep. Gene Chandler, R-Bartlett. "People in the North Country do not favor these types of things once you get up where the visitors come to look at our mountains and foliage."
New Hampshire is one of 45 states that participates in the federal Motorist Service Signing Program, but is the only state to prohibit the service signs on the interstate highways.
The department said the service sign program requires employees to spend time on the signs that could be better spent doing other sign work, according to Bill Lambert, state traffic engineer.
Just the exit signs would not generate enough interest for a private company to bid, Lambert told the committee.
"This is the information age. People aren't out there without resources," he said. "Lady Bird Johnson worked to get billboards off our highways, and now you're trying to put them back up again."
"Almost the entire New Hampshire tourism industry is asking us to help them at a time when it is difficult for them," Ramsey said, "It is discouraging to me. This is the second largest industry in New Hampshire and we're ignoring them."
The committee also voted to recommend that House Bill 534 be approved by the full House. The bill establishes a committee to study the sale of naming rights or sponsorships for state-owned structures such as rest areas.
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At the end of 2006, President Bush encouraged Ethiopian forces to invade the Islamic nation of Somalia and throw out its Islamic leaders. The conflict has dragged on for over a year with increasing violonce and displacement of thousands of innocent civilians. In the latest manifestation of ignoring human rights, Amnesty International has accused the Ethiopian Army of deliberately killing at least 21 civilians inside a mosque plus another 11 in the vicinity of the mosque. At least 40 children aged 9 to 14 are in custody of Ethiopian armed forces. D. Ali Said Faqui, writing online, notes how Somalia millitants killed two innocent British teachers who were trying to help the people of their nation. "Imagine the feeling of living in a country where killing is much easier than earning a loaf of bread; life has no value at all."
As he points out, Somalia has endured nonstop war for 18 years without any sight of an end in the forseeable future. "The conflcit in Somlia has been dragged into a new and deceitful phase which will threaten the existence of millions of Somali people. There is no hope that the warring factions will ever resolve their disputes in a peaceful manner."
The Ethiopian invasion did not cause the current crisis, it only exacerbated a situation that was horrible to begin with. As Faqui concludes: "May Allah rescue the Somali public which is caught between a rock and a hard place and can't see the light at the end of the tunnel."


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2008 temperature summaries and spin
The great thing about complex data is that one can basically come up with any number of headlines describing it – all of which can be literally true – but that give very different impressions. Thus we are sure that you will soon read that 2008 was warmer than any year in the 20th Century (with the exception of 1998), that is was the coolest year this century (starting from 2001), and that 7 or 8 of the 9 warmest years have occurred since 2000. There will undoubtedly also be a number of claims made that aren't true; 2008 is not the coolest year this decade (that was 2000), global warming hasn't 'stopped', CO2 continues to be a greenhouse gas, and such variability is indeed predicted by climate models. Today's post is therefore dedicated to cutting through the hype and looking at the bigger picture.
As is usual, today marks the release of the 'meteorological year' averages for the surface temperature records (GISTEMP, HadCRU, NCDC). This time period runs from December last year through to the end of November this year and is so-called because of the fact that it is easier to dice into seasons than the calendar year. That is, the met year consists of the average of the DJF (winter), MAM (spring), JJA (summer) and SON (autumn) periods (using the standard shorthand for the month names). This makes a little more sense than including the JF from one winter and the D from another as you do in the calendar year calculation. But since the correlation between the D-N and J-D averages is very high (r=0.997), it makes little practical difference. Annual numbers are a little more useful than monthly anomalies for determining long term trends, but are still quite noisy.
The bottom line: In the GISTEMP, HadCRU and NCDC analyses D-N 2008 were at 0.43, 0.42 and 0.47ºC above the 1951-1980 baseline (respectively). In GISTEMP both October and November came in quite warm (0.58ºC), the former edging up slightly on last month's estimate as more data came in. This puts 2008 at #9 (or #8) in the yearly rankings, but given the uncertainty in the estimates, the real ranking could be anywhere between #6 or #15. More robustly, the most recent 5-year averages are all significantly higher than any in the last century. The last decade is by far the warmest decade globally in the record. These big picture conclusions are the same if you look at any of the data sets, though the actual numbers are slightly different (relating principally to the data extrapolation – particularly in the Arctic).
So what to make of the latest year's data? First off, we expect that there will be oscillations in the global mean temperature. No climate model has ever shown a year-on-year increase in temperatures because of the currently expected amount of global warming. A big factor in those oscillations is ENSO – whether there is a a warm El Niño event, or a cool La Niña event makes an appreciable difference in the global mean anomalies – about 0.1 to 0.2ºC for significant events. There was a significant La Niña at the beginning of this year (and that is fully included in the D-N annual mean), and that undoubtedly played a role in this year's relative coolness. It's worth pointing out that 2000 also had a similarly sized La Niña but was notably cooler than this last year.
While ENSO is one factor in the annual variability, it is not the only one. There are both other sources of internal variability and external forcings. The other internal variations can be a little difficult to characterise (it isn't as simple as just a super-position of all the climate acronyms you ever heard of NAO+SAM+PDO+AMO+MJO etc.), but the external (natural) forcings are a little easier. The two main ones are volcanic variability and solar forcing. There have been no climatically significant volcanoes since 1991, and so that is not a factor. However, we are at a solar minimum. The impacts of the solar cycle on the surface temperature record are somewhat disputed, but it might be as large as 0.1ºC from solar min to solar max, with a lag of a year or two. Thus for 2008, one might expect a deviation below trend (the difference between mean solar and solar min, and expecting the impact to not yet be fully felt) of up to 0.05ºC. Not a very big signal, and not one that would shift the rankings significantly.
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The Canisius baseball team completed the three-game sweep of rival Niagara University with a 14-6 win at the Demske Sports Complex on Sunday afternoon. With the win, the Golden Griffins improve to 37-13 overall and 14-7 in the Metro Atlantic Athletic Conference and clinch a spot in the MAAC Championship (May 23-26 in Trenton, N.J.) for the seventh consecutive season. The streak of seven straight appearances in the MAAC Championship is now the longest active streak in the conference.
Six Golden Griffins had multi-hit games, with sophomore Connor Panas going 3-for-5 with three runs scored, two RBI and his first home run of the season. Sophomore Mike Krische and junior Jesse Kelso each went 3-for-4 with two runs scored and two RBI. Junior Jimmy Luppens was 3-for-4 with two RBI while junior Jose Torralba was 2-for-4 with three runs scored, two RBI and a triple. Sophomore Mike Booth went 2-for-5 with three RBI.
Niagara (16-34, 9-14 MAAC) took advantage of two walks and two infield hits in the first inning to score the game's first three runs. Canisius came back with two infield hits of their own in the bottom of the inning and had four hits total in the inning to score two runs and get within one at 3-2. Niagara regained the three-run advantage by scoring two runs in the top of the third, but the Griffs answered right back in the bottom of the inning.
Luppens led off with a single through the left side and Panas followed with a single off the glove of pitcher Matt Munson (0-3) to get runners at the corners with no outs. Luppens would score on a fielder's choice from Torralba to make it 5-3. After Krische worked a walk, Kelso dropped down a perfect bunt, which resulted in a single and loaded the bases. Booth jumped on the next pitch for a bases-clearing double to give Canisius a lead it wouldn't relinquish.
Canisius extended the lead with four straight two-out hits in the fourth. An RBI triple from Torralba, RBI single from Krische and RBI double from Kelso put the Griffs up 9-5. Booth followed with a single through the left side, and Kelso was held at third. Booth rounded first and was caught in a rundown, but an errant throw from Niagara in an attempt to get Kelso at third went into the Canisius dugout and allowed the junior to score and put Canisius up by five runs. Kelso had an RBI single in the sixth, Luppens had a sacrifice fly in the seventh and Panas also had a two-run homer in the inning to close out the scoring for the Griffs.
Sophomore Devon Stewart started for the Griffs and allowed five runs on seven hits in three innings, walked three and struck out two. Four Canisius relievers combined to allow two hits and one run in six innings of relief. Senior Jason Rubinstein (1-0) allowed one run in two innings to pick up his first victory of the season while junior Mike Tolsma threw two scoreless innings. Redshirt freshman Iannick Remillard and sophomore Aaron Casper each threw a scoreless inning of relief.
Canisius will play its final road game of the regular season on Tuesday, when the Golden Griffins take on Youngstown State. First pitch is set for 11 a.m. at Eastwood Field, the home of the Mahoning Valley Scrappers. The Scrappers are in the New York-Penn League and are the Class A short-season affiliate of the Cleveland Indians.
Notes: Canisius has now made the MAAC Championship each year since 2007… Canisius recorded its 15th three-game sweep of a conference series in the past six seasons… With the win, coach Mike McRae now has a career record of 324-323… Torralba scored eight runs on the weekend while Panas scored seven runs with eight hits… Canisius scored double-digit runs for the 12th time this season… The Griffs have now won 21 of the last 25 meetings with the Purple Eagles and lead the all-time series 78-76… The final score in the 2012-13 Battle of the Bridge competition is 21-12 in favor of the Golden Griffins, who won the Canal Cup for the third straight season and for the fifth time in six years.


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text: I thought Austin did rather well. He was alert and rotated pretty good on D. And he was a bit more assertive on O. Sure we expect more from him by this point but his performance was Wilkins-like. I've soured on BG. Daye can step out of bounds or dribble off his foot. Its a tragedy. Gordon? He throws the ball away and creates unforced turnovers. for 2-9 shooting and $10 million. That's a travesty.


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One of our clients, Mentor Graphics, deals in a very technical space. One of their products – FloTHERM – is 3d computational fluid dynamics software that predicts airflow and heat transfer for electronic systems.
Did we lose you yet?
Sometimes – you have to make your topic more interesting. That's why we love to see when one of our technical B2B clients are able to take a highly complicated product or service and describe it in a fun and creative way. Mentor did exactly this, as they wrote up a case study about a beer fridge and how they could use their FloTHERM product to design a better one.
Read the article here: "Beer Fridge – A Case Study in Thermal Design. Part 1"
This is only the first-part of a five-part series. And I'd recommend reading them all!


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Holiday Inn Washington-Dulles Intl Airport
Holiday Inn Washington-Dulles Intl Airport
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Welcome to Holiday Inn Washington-Dulles Intl Airport
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Friendly service and a passion for excellence await you at the Holiday Inn® Washington - Dulles International Airport Hotel. This hotel's location near Dulles Airport (IAD) provides a convenient place for business and leisure travelers to stay while visiting the Washington, D.C. area.
Our hotel's corporate guests can rest easy knowing that we offer a well-equipped Business Center, along with free high-speed, wired and wireless Internet access for all their technical needs. Thanks to a central location, an array of businesses, such as AOL, Department of the Interior, Rockwell Collins, Northrop Grumman, FAA and ADESA, are just minutes away.
From defying gravity at the National Air and Space Museum Steven F. Udvar-Hazy Center to shopping at the Leesburg Corner Premium Outlets, there's plenty to do around the Washington, D.C. area. Our hotel's leisure guests are especially encouraged to visit one of the many Civil War battle sites or tour a beautiful local winery while visiting.
We invite you to take advantage of our hotel's location near Dulles Airport and make plans to stay with us during your next trip. Amenities like our Holidome facility with an indoor, junior Olympic pool, a whirlpool, and a Fitness Center will keep you entertained during your down time. We invite you to fill up on breakfast at Chantilly's or stop in for a drink at O'Malley's Pub. Make your reservations today!
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Kids ages 12 and under stay for free when sharing their parents' room.Up to four kids ages 12 and under eat free any time of the day in any Holiday Inn® on-site restaurant.
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- Pet Deposit per Stay: 100 USD
- Pets are welcome in guest rooms but must be crated if left unattended. There is a 75 lb weight limit. A 100 USD charge will be applied per pet, per stay. Sorry, but pets are not permitted in our Executive or King Rooms. 3 miles to nearest kennel.
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Dr. Ulyses Balderas, assistant professor of International Studies and director of the study abroad program, will present a microfinance seminar April 27-28 at El Centro Fox in San Cristobal, Guanajuato, Mexico. The seminar, titled "Microfinance: Evolution, Impact and Assessment," is divided into five modules: Microfinance as a Development Tool, Best Practices, Cooperatives and their Importance, Cooperative and Credit Unions and the Role of the Community. Currently 25 people are enrolled and Balderas will present the first two modules.
This seminar is one of several forums on social entrepreneurship, microfinance, poverty eradication and related topics included in an agreement between Former Mexican President Vicente Fox and UST President Dr. Robert Ivany to establish collaboration between Centro Fox and the Social Entrepreneurship Program.
The Social Entrepreneurship Program, formerly known as the MicroCredit Program, is housed within the Center for International Studies and encompasses microcredit lending and social learning initiatives. The program is dedicated to assisting entrepreneurs who live below the poverty threshold and provides a unique opportunity to affect meaningful improvement in the lives of the world's poor through active management of microcredit funds and social development programs.
El Centro Fox was started in 2006 by Fox as a Center for Advancement and Studies focused on leadership, democracy and poverty alleviation.
For more information on the Social Entrepreneurship Program, visit www.stthom.edu/microcredit or contact Dr. Rogelio Garcia-Contreras at 713-525-3538 or firstname.lastname@example.com.
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Just days before the start of the 2013 United Nations Climate Change Conference in Warsaw, Poland, last November, the Philippines received its most intense typhoon yet, which left more than 6,000 people dead and hundreds of thousands homeless. It served as a reminder of global climate change and of the urgent work that lies ahead for architects, planners, and engineers if communities are to be more resilient.
To this end, the AIA, in collaboration with Architecture for Humanity, Dow Building Solutions, Make It Right, and the St. Bernard Project, launched the Designing Recovery Awards program last year to solicit disaster-responsive home designs that are energy efficient and affordable.
"How can we apply the many lessons we've learned about making buildings safer while retaining livability, aesthetics, and context within existing communities?" says jury chair Michael Willis, FAIA, a principal at San Francisco–based MWA Architects. Three firms received awards: Q4 Architects, with offices in Toronto and Calgary; New Orleans–based GOATstudio; and Toronto's SUSTAINABLE.TO Architecture + Building.
Willis applauded the winning firms for designing homes that reflected their neighborhood contexts in New Orleans, New York, and Joplin, Mo., but also included interior "safe zones" for residents. "I just don't think a perfectly safe cube is something we want to live in," says Willis, "and the firms that the jury selected understood that idea."
"In New Orleans, where the hazards of the environment and threats of climate change are in direct confrontation with a deeply ingrained cultural connection to place, architectural resilience is key to long-term viability," says Colin VanWingen, a partner at GOATstudio, whose Shotgun[remix] proposal is on track for LEED Platinum status. A contemporary take on the historical shotgun layout, the proposal includes many modern touches: sliding polycarbonate privacy panels; vaulted interior spaces; an open floor plan; and a steel roof that turns and wraps the southern exterior wall for additional sun protection. The finished floor is 7 feet above the ground plane, and a perimeter rain garden will help filter storm runoff and alleviate on-site ponding.
"Post-Katrina and, more recently, post-Sandy, significant attention has been paid to spectacular urban- and regional-scale proposals to adapt and protect vulnerable coastlines," says VanWingen. "However, rethinking smaller-scale projects like homes may have a more significant role to play in ensuring the long-term viability of these regions."
Another winning proposal addresses resiliency concerns in the aftermath of Sandy. SUSTAINABLE.TO's Resilient House for New York features a layout with living spaces oriented to the sun's path across the sky, a highly insulated building enclosure, and a flood-proof foundation.
"No longer is it just good enough to build sustainably in order to reduce our impact; we must also build resiliently in order to withstand the Earth herself, as severe weather events become more common worldwide," says SUSTAINABLE.TO's Donald Peckover. "What we used to call a '100-year event' is now beginning to happen multiple times in the same decade. Sustainability and resiliency should be proactive approaches, not reactive strategies, and integrated into all design at an early stage to ensure that buildings can withstand the elements without being overly reliant on any particular technology or system that is susceptible to failure."
Q4 Architects' CORE House takes a similarly proactive approach for tornado-prone Joplin. "The house is designed with integrated and passive systems so residents—ideally—do not need to rely on government disaster relief for shelter and infrastructural aid," says Q4's Elizabeth George, AIA. "Photovoltaic panels, water harvesting, water reuse, and UV filters allow residents to cook, clean, and maintain their lifestyle in the wake of a major disaster."
With walls constructed with anchored, carbon-neutral concrete masonry units, a centrally located "safe house" in the design contains all the functions of home necessary for a family to live for an extended period of time until rebuilding is possible.
Like her colleagues, George sees resiliency as a way of thinking for architects in the coming decades, not just a design add-on. "Our culture is making conscious decisions to maintain or improve the physical and natural environment through sustainable design measures," says George. "Using that same level of consciousness, we can design for disaster resilience to maintain the integrity of natural disaster-prone communities."


text:
The overall rating is a summary of the financial efficiency rating system's three efficiency area assessments. The three efficiency areas are:
Together, these individual ratings form the overall 5 Star Rating:
Assign the three individual ratings using the following table:
This results in the following individual ratings:
Assign the 5 Star Rating using the following table:
Final 5 Star Rating:
Note: The numbers shown in the above example are sometimes rounded off before they are calculated, as a long string of digits is distracting for many users. This may make the calculation appear imprecise. For the purpose of understanding the calculations the difference is negligible. However, the actual calculations used in the database are precise.


text: http://winter.sport-express.ru/figureskating/reviews/26948/ A scandalous ending GPF has ended with Russians winning gold in all four disciplines in the Junior event. Furthermore, Russian juniors swept the podium in pairs skating. Pairs skating was also the only discipline where our senior skaters managed to capture medals: Tatiana Volosozhar/Maxim Trankov got the gold, and Vera Bazarova/Yuri Larionov settled for the silver. Pairs skating was the closing event at the Grand Prix Final, and it turned to be scandalous. World vice-champions Tatiana Volosozhar/Maxim Trankov earned 131.09 points for their free program - 0.37 less than Vera Bazarova/Yuri Larionov got for the brilliant performance they delivered right before that. Thus, the final standings were as planned in this discipline.The only annoying 'detail' was that Russia's first team didn't just have an unsuccessful skate. They had a rather spectacular meltdown. That Trankov was on the edge of breakdown was obvious already during the warm-up. He tried several times a triple Salchow - the opening jump in the free program, but kept popping it. He didn't pop it, though, during the actual skate, and athletes and coaches in the stands heaved a sigh of relief. But right after the beginning of the second part of the program, Maxim fell on triple toe loop, and then lost his balance on the entry into the throw, and the pair missed the element completely. His fall was so bad - on his back - that it took him a while to get on his feet. When he managed, the athletes had to skate from one end of the rink to another, and only then resumed the performance. In such case, judges' scores have to reflect not only the missed element, but also the interruption of the program. But they turned a blind eye to that. As well as to the fact that there wasn't any actual choreography in such skate. Nevertheless, Volosozhar/Trankov's overall result was the second best that evening. And as for the components score, it was the very best. The athletes themselves, of course, are not to be blamed for such scoring. But the judges did them no favor. Because the final sum looked in this situation like a mark of shame: made people think that Bazarova/Larionov were robbed of the deserved win. That such "handouts" in figure skating must be repayed sooner or later. And that Russia doesn't really have any first pair. All she has is reasonably good skaters who lose their game when the competition gets more or less tough. That was that happened at the Grand Prix in Moscow, where Volosozhar/Trankov were made champions despite missing all the key elements in the free program. The excuses like the one that the athletes and their coach Nina Mozer offered after the event - that the level of difficulty of the program prevents from skating it clean, do not sound very convincing. At the very least because free program of the Canadians Meagan Duhamel/ Eric Radford, who skated in the same competition, included unique for pair skating side-by-side triple Lutz, and 3-2-3 combination with two throws in the second part of the program. Duhamel and Radford brought to memory times when Canada suddenly presented competitive product a year before Olympics. It happened in 1993, when Isabel Brassuer and Lloyd Eisler became the World champions, the history repeated in 2001 with Jamie Sale/David Pelletier. In other words, there is enough pairs skating traditions in Canada to make it count. In Sochi, Megan and Eric clearly lacked cleanliness, but made it up for with difficulty. They didn't make top three due to quite a silly mistake: the pair lost rhythm on a lift entry. But when Eric, holding his partner in his hands like a weightlifter, managed to lift her up, Viktor Kudryavtsev, who was sitting beside me, gasped: "What a guy! What a character!" So it will hardly be a surprise if this team makes top three already at the World championship in March - the less so that the championship will take place in Canada. Bazarova and Larionov, unlike their decorated compatriots, didn't make mistakes in Sochi. One could call them a flawless pair, if not for Vera's injury, that didn't let her skate full force during the first half of the season. I think no one really knows how much strength she has left and whether it will be enough to gain top shape or keep the shape they already have. In all fairness, the athletes should be given a bye at Russian National Championship. Let them rest, recover, gain strength for the European Championships. Treat them like Russia's first pair that they are, which is quite obvious at this point. Ice dance brought a shock as well. At the moment when it became clear that Ekaterina Bobrova and Dmitri Soloviev have a chance for the bronze medal, Dmitri fell on the step sequence. For the first time in his life and in front of Russian president. The high guest had partly caused the fall, it seemed: his presence added an excitement and a desire to go all out in the dance. It went according to rather vulgar proverb: 'wide steps tears pants' - the ice dancer finished the program with torn trouser leg. After the skate, coach Alexander Zhulin was a universal catastrophe and cosmic sadness embodied, despite the fact that the result wasn't that bad. In Sochi, everybody could see that Bobrova/Soloviev's program is a hit and highly competitive from any point of view. As for falls, even the greater used to fall in ice dance. Like the World champion Scott Moir and the ex-World champion Charlie White. Much sadder was the fact that even in the face of such a huge mistake of Bobrova/Soloviev, second Russian team, Elena Ilinykh/Nikita Katsalapov finished behind them. Speaking of the winners, in Sochi Moir with his partner Tessa Virtue had not much better minutes that those who finished off the podium. To be defeated by training mates Meruyl Davis and Charlie White was painful, and even more so because the Canadians had lost both in the short and in the free dance. Marina Zoueva, coach of both teams, looked slightly discouraged. "To tell the truth, I thought that Tessa and Scott were better in the free dance, - she said in the mixed zone. - I don't understand the scores difference." The French Nathalie Pechalat and Fabian Bourzat, who finished third, lost almost ten points to the second place. It looks like the former coach of both Canadian and American teams, Igor Shpilband, was right, when he said that no one would be able to close the gap to the leaders a year before the Olympics.


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'Regardless, Pegula is moving toward a purchase. His accountants and lawyers were performing due diligence. Two vehicles recently parked in a reserved area behind HSBC Arena were registered to engineers from Erie, Pa. Just a coincidence or were they inspecting the arena in preparation for an ownership change?'
Pegula ready and waiting
January 2, 2011 Submitted by
Via: Buffalo News


text: I picked up a few Sissy bars and one of these bars is not like the others. Is it just un-drilled or is this they way it should be? it's not stamped so I have no clue to the manufacturer. I don't know much about Muscle bikes so any help would be...of help! thanks dan


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Our Palm-Free Soap Base
As many of our devoted customers may already know, over two years ago we put our ethics into practice by removing palm oil from our soap base.
After taking a trip to Indonesia, the largest supplier of palm oil in the world, we discovered just how devastating the effects of harvesting palm oil were; massive deforestation, indigenous peoples being displaced and animals being left without their food source. We decided the only responsible thing to do was stop our use of palm oil, and create a new soap using only sustainable materials. By switching to a palm-free base, we've cut our usage by 350,000 kg a year! This decision changed our soap a bit, but we think it worked out wonderfully for the environment and the quality of our soap. We know our customers have their favorite soaps-ones they simply can't live without, so we were careful to make sure they stayed better than ever!
Wash Your Hands of Palm Oil
Most of you shop with LUSH not only because we make wonderful handmade products for your bath, hair and body but also because of who we are and what we believe in. When we create our products, environmental and social concerns play a major role in the ingredients we ever so carefully select.
For several years, we have been concerned with the environmental and social issues surrounding the use of palm oil in cosmetics, food and bio-fuels. During a recent trip to Indonesia to explore the palm oil industry, we witnessed firsthand the grave impact it has on Asian rainforests, wildlife and indigenous people - massive deforestation, Indigenous peoples being forced from their homes and the orangutans being pushed to the brink of extinction.
As our beliefs are at the heart of everything we do, we knew that we had to take action immediately and minimize our use of palm oil, (and hopefully save some rainforests along the way). The cosmetics industry uses approximately 6-7% of the world's palm oil, and it's a main ingredient in many soaps. Upon our return from Indonesia we rushed back to the LUSH labs and for almost a year worked in partnership with a leading UK soap-base manufacturer, Kay's, to develop the world's first commercially available palm-free soap base. Cracking this formula wasn't easy, but after a lot of sweat we've finally got it right.
LUSH North America has now switched all of its soap production to this new palm-free base, and we are also using palm-free glycerin. Our end goal is to remove palm oil from all of our products, and we are currently investigating our surfactants which might be palm oil derived. Here at LUSH we understand that if the rainforests have any chance of surviving, retailers are going to have stop putting palm oil into their products.
As long as companies continue using palm oil, the Indonesian and Malaysian governments will allow the clearing and burning of rainforests to develop new plantations. Oil palm trees are so lucrative that governments and businesses only see dollar signs.
It seems to us that the only way to really tackle this problem is if palm oil becomes less popular. Because so many people want to use palm oil, it simply cannot be produced in a truly sustainable manner. Lush is hoping other business will move away from palm oil, which is why we are willing to share our expertise with anyone that wants to take similar steps. We are proud of our new formula for our palm-free soap base, which is why we want to share it with other soap manufactures.
What's wrong with palm?
The global demand for palm oil is causing a staggering amount of deforestation in Indonesia and Malaysia. Indigenous and traditional people are being forced from their forest homes, orangutans slaughtered, and the recently logged land is being planted with palm oil trees.
Palm oil plantations now cover vast swathes of land in Indonesia and Malaysia. Most of these plantations are in areas which were once covered in lush tropical rainforests. This conversion of forests to monoculture palm plantations has resulted in the loss of some of the most important ecosystems on the planet. Fires are deliberately lit to clear and prepare the land causing massive quantities of carbon to be released into the atmosphere, adding to the already serious global problem of climate change.
Who is affected?
Orang Rimba
Last year members of LUSH's buying team ventured into the rainforest of Indonesia and met a vibrant tribe of people called the Orang Rimba. They have lived in Indonesia's Sumatran forests for hundreds of years and these forests have provided them with everything they need; a home, food and a haven from the deforestation elsewhere in Indonesia… that is, until now. Palm oil
plantations have encroached on
the land of the Orang Rimba, and entire communities are being devastated. Once proud people, the Orang Rimba are being forced off of their land, and many are now living on the side of the Trans-Sumatran highway, struggling to survive.
Orangutans are running out of time. Almost 90% of orangutan habitat has already disappeared and it is estimated that within 15 years 98% of the rainforests of Indonesia and Malaysia will be gone. These wonderful animals face extinction within 10 years if current trends of habitat loss continue.
The Climate
The Guinness Book of World Records lists Indonesia as the country with the fastest rate of deforestation in the world. Because of this, Indonesia is the worlds 3rd largest CO2 emitter after the US and China. Almost all of the world's palm oil exports come from the oil-palm plantations of Indonesia and Malaysia.
What can you do
- Please support groups who are actively campaigning on this issue like Rainforest Action Network. Rainforest Action Network are a savy environmental group that is the leading light in the fight against the devastating effects of palm oil. Become a member today!
- Avoid products, like snack foods, cosmetics and detergents, that contain palm oil and write to businesses asking them seek alternatives to palm oil as we have.
- Write to Cargill, the biggest palm oil importer into the United States and one of the biggest producers in the world, asking them to take necessary steps to ensure that their palm oil does not destroy rainforests, violate human rights or harm the climate. Please address your letter to:
Gregory Page
CEO, Cargill
15407 McGinty Road
West Wayzata, MN
- Go to www.TheProblemWithPalmOil.org to send a message to Cargill online.


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Your Peaks Will Sparkle Like A Rhinestone Cowgirl!
Catch the light and his attention when you flash your twin peaks –– topped by a pair of dazzling red Rhinestone Heart Pasties!
Bring your shoulders back, chest out –– put on these pasties for pin-up girl glory! Each pastie is decorated with dozens of red rhinestones for your most provocative poses!
Just peel the adhesive backing and firmly press 2" wide pastie against nipple –– now you're in business, sugar!
Rhinestone Heart Pasties add sparkle and fun to any woman's anatomical wonders! Put on some music, slip on some heels and all this classic stripper's costume needs is your favorite matching panties, g-string, shorts, slacks, skirt –– anything, or nothing –– for a unforgettable look that'll raise his flag!
Or wear your Rhinestone Heart Pasties under street clothes –– flash him –– and he'll follow you anywhere!
Rhinestone Heart Pasties are imported.


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The United Nations human rights group decided in the name of human rights to make it against human rights for anyone to insult a religion. Support for this proposal came strongly from nations of the Muslim world who resent criticism of their religion like the infamous Danish cartoons. The resolution urges states to provide "protection against acts of hatred, discrimination, intimidation and coercion resulting from defamation of religions and incitements to religious hatred in general." Muslim nations want their religion to be protected against criticism in the media. India's UN ambassador said it was inappropriate to link religious criticism with racism.
One can only wonder how this resolution impacts the continued attack on the Jewish religion by Muslim media and public officials. Will they be arresting individuals like the Ayatollah Khamenei and other such religious leaders who make negative remarks about Jews?


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The herd was reintroduced and managed since the fifties.
Here is a picture of some Elk I took about three years ago in the area of Craig Colorado. Yes all the stuff you see on the hill top are Elk. They were estimating the heard to be around 2500 to 3000.


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Would you could you be my fish guy?
For the last month or so I have been larking outside the forums reading reading how to, what to do and everything in between. I am now in information melt down getting further confused the more I read.
I what I would like to do is a low tech low cost planted 10 gallon retirement home for my Betta. He is going on a year and half and I am hooked on the whole fish with your coffee.
I live in central Maine and the selection of local fish stores are few and far between. So please excuse me while I ramble takes over an hour for a chat with the local fish guy.
I am planning on purchasing a 10 gallon 30 dollar get most of it walmart special. I had to convince myself that the $1 a gallon sale at petco would send me into the other room and needing a stand.
From what I have read I can switch out the hood lights for clf lights and should shoot for 1 to 2 watts per gallon?
I will have to pick up a heater as the kit doesnt include one The average walmart price is 15 to 20 dollars I have looked on ebay and can get one from Hong Kong for like 8 bucks free shipping or state side for around 10. What would the best idea be for a heater?
Substrate really has me lost. I have seen dirt, clay, eco-complete, gravel, sand etc. I would like to stay away from having to add fertilizer to my tank but also think that putting something in the bottom of my tank that costs almost as much as the tank is kinda silly but we do what we must if we must I would like to avoid having a redo later on when the tank becomes vacant, so something that would be shrimp friendly. What are my options?
Plants there are so many!! I am looking for a tall back corner section with a carpeted front section with a bit of plain substrate showing through. My selection for said plants are even slimmer then the pet stores I called each of the three stores within reasonable driving distance asking if they carried moss (any moss) Petco was the only one Could you please suggest plants that might work well? I was thinking java moss and java fern are there any good online sellers for plants? What about ebay?
Thank you for any and all help
Hi GooseGoose,
A planted tank doesn't have to cost an arm and a leg. This is a 10 gallon aquarium, no CO2, light with 2 screw in CFL bulbs from Wal Mart, and plants I bought here on the forum. I use Seachem Comprehensive and Seachem Excel for fertilizer 2 or 3 times per week. Besides the tank, I have a hang on back filter, substrate, and heater. Substrate is Safe-T-Sorb and is available online at Drillspot for $9.29 per 40# bag with free shipping included. 40# will do four or more tanks.
get some CHEEP top soil from your home building store of choice, one bag should do, about two bucks
toss it in a big bucket and add water to flaot out the mulch and wood, spread on a tarp and dry in the sun. wet and dry seveal times. this mineralizes the soil. toss back in said bucket and strain out the gravel, I used an old fishing net
what you are left with is a very fine sandy dirt, to this add a fist full of clay, I used potters clay, $1 a pound
sprinkle a spoon full of potash on the bottom of the tank and a quarter of a ground up cuttle bone(the kind you hang in the birds cage...it is dolamite(?)
then add your top soil and cap with swimming pool filter sand purchased for 6 bucks for 50 lbs.
easy and cost effective! here is a thread that goes into the details....
The sellers here are a good place to start for plants--not uncommon to find free /free for cost of shipping selections of clippings too. Great way to try new plants at a low cost. The other place I typically hit is Aquabid.com.
Substrate doesn't have to be expensive, everyone has their own favorite. If I'm only doing heavy rooted plants like crypts and swords and/or mounted plants like anubia and java fern, I rather like plain old aquarium gravel--in part because I've got so much of it stored from earlier tanks! If I'm going to be doing stems, I reach for Flourite. Dirtied tanks (usually capped with sand) can be wonderful--but frankly, too much of a hassle given my habits of setting up tanks on a whim and frequent re-scaping.
The one place I wouldn't scrimp on is the heater. There are plenty of reasonably priced heaters out there that will do great, but don't lowball it. A heater that just stops working isn't a catastrophe usually--the tank cools slowly enough you have a chance to catch it. A heater that malfunctions ON however can easily cook your fish and plants long before you spot the problem.
My heater was going up to 80 or 82, but when I unplugged it the temp stayed up there. Turned out it was the motor of the HOB that was doing it. And now everything works fine, since I cleaned out the HOB motor.
I have a 10g that was a generous donation from a friend who's contemplating moving. I bought two 13w bulbs but they were way too much. I have 10ws on now and I'm still having slight algae problems. Java Moss is growing like crazy. Oh, I have a glass cover covered with screen material, as I live in an apartment and can't hang the lights and raise them some above the tank. I really think that either there's not enough of some nutrient or the lights are just too bright.
well personally i much more prefer using a desk lamp to provide lighting for my 10g. it gives just about enough spread to cover the entire tank and i use a 13w daylight from the dollar store here. no cover and running the hob on the side. i collected some gravel from the local riverside and tossed a bit of dirt from the backyard and its my best tank. holds my shrimps and rainbows.
i used a 50w heater from walmart because imo its not worth the wait for a few bucks from china. although the one from walmart doesnt let me set the temp.
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(I read an article this morning that says that by 2095, Ohio will have a climate similar to East Texas. But global warming and energy efficiency for the data center are a topic for another day.)
I get asked all the time which server platforms I work with. And my answer is ALL. When it comes to performance, I am a firm believer in there being a right platform for every need, for every season.
So an IBM system for every season -- Time to take the snow boots back out of the closet . . .
The postings on this site solely reflect the personal views of the author and do not necessarily represent the views, positions, strategies or opinions of IBM or IBM management.
technorati tags: IBM, systems, performance, platform, benchmarking


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If you live in Norway, head for the fjords because them Muslims is headed your way to spread their headscarves and funny eating habits all over the nation of Norway. Progress Party leader Siv Jensen warned that Norway is in danger of being overwhelmed by "those people" and we all know who "those people" are, don't we? In the 1930s, "those people" were the Jews and today they are the Muslims according to the idiot lady who leads a Norwegian political party. She warns Norwegians that Muslims want to impose their ideas on the nation as part of what she termed "a subtle Islamification" of her beloved country. I bet those Middle Eastern people don't even like to ski on the slopes of the mountains!
This courageous defender of racism promised if her party gained power it would rule under the banner of Norway for Norwegians and there would not be any special privileges for any religion. I believe she would be pleased if all Arabs hit the road to Baghdad and never came back. So, tell me, Ms. Jensen, were the present Norwegian people always in the country or did they come from elsewhere?


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Home ⋅ Business Cards & Calling Cards ⋅ Custom Motifs ⋅ Modern ⋅ Orange
"I ordered this card to be used as a thank you card for favors and i was very surprised with the good quality of the item. It was a lot smaller than I thought it would be but never the less, it was perfect for what I had in mind for it use. The paper stock is a thick grainy paper that is shows the colors of the design quite well. In addition, the picture I uploaded with it came out clear and bright. I ordered this during tiny prints deal of the day and I have to say that I am very happy with it and will purchase it again in the future."
Copyright © 2004-2017 Shutterfly, Inc | Tiny Prints | Terms of Use. Designated trademarks and brands are the property of their respective owners.


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API World 2013
Wednesday, October 2, 2013 at 9:00 AM - Thursday, October 3, 2013 at 6:00 PM (PDT)
If you are part of a tech company, your company is likely publishing or consuming APIs already. API World 2013 is the first large-scale conference and expo with the goal of organizing this new API Economy.
API World 2013 was created with the mission to be neutral and facilitate connections, knowledge, trust and business within the developer community of API providers and consumers. If you are a coder, a startup or an enterprise that consumes or provides multiple APIs this is your event.
Learn how to design, monetize, strategize and market, and scale RESTful APIs to billions of calls. Also, learn how to discover, consume, and manage APIs in a secure environment.
Do you provide private APIs to your internal organization or public APIs to third party developers? The API World Conference can help you optimize these relationships.
Event workshops will teach you to become a better programmer with APIs, including panels and fireside chats with outstanding speakers, developers to exchange knowledge, and close interaction with disrupting API companies.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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a place for zinesters - writers and readers
Views: 70
When I discovered zines in the early 90s, I'll always feel nostalgia for that time. And first reading Factsheet 5, overwhelming! But you know, I experienced that again the first time I attended the Portland Zine Symposium, 2003. And at this year's Symposium, when some kids I got into IPRC's zine camp were nearly manic with the potential and community they saw, my heart filled with so much pride. It happens a lot when teaching Zines 101 classes--like when a group of seven year olds made a zine on the spot about penguins, and then acted it out for me and their parents. The way they waddled around the room was just precious.
Everyone must have their own personal Golden Age. But to try and pinpoint my own, I'm not even sure it's arrived. Seeing Enter the Dragon with Doug Holland, making a shitty movie with Sky Ryan, moving to Portland sight unseen because I read about the IPRC in Thoughtworm (an interview with Greg Means) and then becoming the librarian myself a few years later. Really identifying with something I read in R. Lee's zine and knowing the interconnectedness of people everywhere, dating another zine person for the first time, wondering whatever happened to T.R. Miller and Luhey. I could go on and on (and kind of am). Any of these could be the apex of my involvement with this culture we all share, yet they span half of my life.
Not that I don't appreciate this topic (I believe it's the first I've commented on), but I don't understand looking toward the past for an era when zines were better, purer, more significant. Or even when there were more of them--who's to say. Every time I make a new issue, I know: this is what it's supposed to be like, this is why I'm here. Introduce someone to zines, watch them figure out layout and the copier, and I promise you'll be right there with them. It never ends.


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sawdstmakr.........What tests are you talking about ??? BEE HAPPY Jim 134 :)
sawdstmakr ..... I still do not know what you're talking about when I and glue a joint I put glue a all sides of the joint (I use a small acid brush for this) and neither clamp it or nail it and sometimes I will screw the joint together.acid brush is used by plumbers before soldering copper pipes may cost you a buck or twohttp://ecx.images-amazon.com/images/I/218b6pF4koL._AA160_.jpg BEE HAPPY Jim 134 :)
Are you also telling the you do not double glue end grain some may call it priming the joint ???Are you tell me you do not put glue on all sides of the joints ??? If not why not ??? BEE HAPPY Jim 134 :)


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The Xzalt Precision applicator delivers a 70:30 ratio of dry/liquid material on roadways and other pavement. It helps reduce salt usage and accelerates ice melt, applying material that produces less bounce and offers improved adhesion to surfaces. The directional spinner broadcasts material across one to three lanes. The FORCE America SSC6100 Spreader Control helps simplify use and offers advanced features such as pre-defined application settings.
Highway Equipment Co.
Booth 1539
The Jellyfish stormwater filter removes trash/debris, phosphorus, nitrogen, metals, and other materials from stormwater. During pretreatment, the device traps oil, trash, and debris outside the filtration zone; coarse particles settle to the sump, and a separator skirt protects cartridges from floatables contamination. The membrane filtration tentacles capture particles as small as 2 microns; it removes a high percentage of nutrients, metals, hydrocarbons, bacteria, and other particulate-borne pollutants. The high-surface-area membranes ensure long-lasting treatment.
Imbrium Systems
Booth 356
Vehicle safety camera
The CVC500AHXL watertight mobile vehicle safety camera is a color device with audio capability and a large field of view. It features a multiple-sealed, injection-cast enclosure and a MIL-C-26482 Mi-Spec connector for reliable waterproof performance. The built-in thermostatically controlled heater delivers camera reliability in any climate. Viewing area is several feet to either side of the vehicle; at 60 ft. from the vehicle, it expands to 170 ft. wide. Stainless-steel mounting bracket, sunshield, and hardware are included.
Intec Video Systems Inc.
Booth 1961
Prebuilt sewer solution
The prebuilt Muffin Monster Manhole helps cities, counties, hospitals, condos, and other institutions deal with rags, trash, and debris clogging sewer lines and pump stations. The system includes a prebuilt fiberglass reinforced polyester manhole, grinder, guide rails, access ladder, inlet/outlet pipeline connections, and a manhole or hatch-type access lid. The low-speed, high-torque grinding turns troublesome solids into small particles that easily pass through sewer lines and pumps. The grinder handles flow up to 350,000 gallons/day. The 4-ft. circular manhole can be custom-built to depths up to 30 ft, with a hinged lockable lid or conical top.
JWC Environmental
Booth 466
Asphalt paver
The Blaw-Knocks PF-150 commercial track paver is powered by an 85-hp Cummins diesel engine with an extended track design and WLE heavy-duty screed for excellent material consolidation and smoothness. The machine weight is 20,800 lbs., and it offers a hydraulic paving width — to a maximum of 16 ft. It's easy to service and intuitive to the operator
LBP Performance Paving
Booth 653
This industrial-grade polymer coating offers a higher tensile strength than other liners on the market. The liner resists scratching, gouging, chemicals, and fading, and it creates a watertight seal without gaps, holes, or loss in cargo space. The custom-applied liner conforms precisely to the shape of any bed and is easy to clean and maintain.
LINE-X Protective Coatings
Booth 876
The company offers software solutions to help public works agencies manage a variety of assets and systems. Instead of offering standard "out-of-the-box" products, company representatives work with agencies to come up with solutions that meet their specific needs. It can help manage water/stormwater systems, traffic signals, pavements, equipment, facilities, and parks; it also can handle GIS systems (with desktop and mobile components), and work orders.
Booth 1538
Compact sign kit
The Compact Sign System enables crews to mark a work zone in less than 20 seconds. The kit consists of the company's WindMaster sign stand, with kick release pins and a roll-up sign that has a single-trigger release.
MDI Traffic Control Products
Booth 1433
Online government auctions
Municibid.com is an online government auction platform designed to help government agencies effectively sell surplus, forfeitures, and other items that are no longer needed. The free service gives agencies a high degree of exposure for items, matches buyers and sellers, and complies with government regulation surrounding asset surplus liquidation.
Booth 863
This large pipe foaming nozzle is intended for applying sewer line root control agent into large-diameter pipes (from 24 in. to 72 in.) that also exhibit high flows. In cases where the skid is completely submerged, a field-adjustable, counter-weighted snorkel keeps the spray nozzle above the water. The skid and nozzle arrangement can easily fit through standard manhole openings and does not require manned entry for assembly.
Municipal Sales Inc.
Booth 1903
Trenchless training
The organization offers onsite training in a range of areas, including auger boring, CIPP design/installation, HDD, pilot tube microtunneling, pipe bursting, pipe jacking/ramming, sewer laterals rehab, and tunneling. Training sessions are delivered at sites around the country, including at various conference and exhibition events.
North American Society for Trenchless Technology
Booth 1642
The F-Series line includes a broad range of clear- and wide-span buildings. Choose from widths ranging from 90 ft. to 130 ft. The 18-ft.-high, straight-side wall design allows for full clearance right up to the side wall of the building. The straight leg allows for a wide variety of "cladding" or finishing options on the side wall. The I-beam design allows easier customization.
Norseman Structures
Booth 1642
Pothole patcher
The B-1.5 hot-asphalt patcher is a compact unit that comes in versions running on gas, diesel, compressed natural gas, and propane. Built for a 19,000-lb. chassis, the product has a top capacity of 3 tons. The machine's small size enables users to fit into tighter places, enjoy better fuel economy, and take advantage of features also found on larger, more expensive machines. Choose from truck, trailer, and slip-in mounted asphalt patching systems from 1.5 yds. to 10 yds., and designs with emulsion spray systems.
PB Loader Corp.
Booth 512
Vehicle exhaust removal
These exhaust-removal systems help shop managers improve the safety and cleanliness of garages and other facilities in which equipment creates harmful emissions. The products minimize the energy required to run air-handling systems, which saves on budget. The custom-built systems can be tailored to fit a wide range of working areas, from small (general working radius from 5 ft. to 10 ft.), medium (5 ft. to 20 ft.), large (20 ft. to 30 ft.) and larger. The intelligent control features include auto start mechanisms, automated dampers, variable-frequency drives, and other tools.
Plymovent North America
Booth 991
Multipurpose work vehicle
The SW4S utility vehicle can work year-round in a wide range of environments and conditions. A microcontroller and color display manage the turbo diesel engine and hydrostatic transmission. Also, the machine features ergonomic controls and a safe, comfortable operator cab. Winter-fighting attachments include a plow blade, snow pusher, salt/sand spreader, and a V-plow; other attachments include angle broom, tiller, grader rake, power rake, articulated mower, cold planer, and pallet fork.
Prinoth Ltd
Booth 1545
LED work light
The SmithLight IN120LB battery-operated worklight is a bright LED-based product with a sealed battery that operates up to 30 hours on a single charge (recharge with either a 12-V vehicle or 120-V wall adapters). The weather- and dustproof light is rugged enough to withstand tough environments, and has an adjustable light head that enables the wide beam to be directed to reach difficult spots.
ProBuilt Professional Lighting
Booth 753
Touchless public restrooms
The company offers technology that helps facilities managers stop surface absorbency inside restrooms to prevent odor buildup. It also makes door handles, flush valves, and other stainless surfaces antimicrobial, and treats toilet seats with antimicrobial impregnations to help make them safe. The treated features will maintain their antimicrobial and odor-resistant properties for 50 years.
Public Restroom Co.
Booth 460
Frame/chassis protection
Armour-Seal undercoating enables public agencies to protect trucks and equipment with material applied in-house. The product encapsulates the truck frame and chassis components, including diesel tanks, poil pans, brake cables, and wiring harnesses, guarding them from rust and corrosion damage due to salt and chlorides used to fight snow and ice. The material is applied with the company's air-operated Pistol-Grip spray gun; no mixing is required.
Booth 1748
Traffic-calming devices
The Road Kop line of traffic-calming devices helps slow vehicles to managed speeds without causing obstruction to emergency response and service teams. The C-1000 series speed cushion is 78 in. wide, enabling service vehicles to pass over easily while slowing down noncommercial vehicles. The devices are made of durable rubber can be installed quickly and easily; the embedded directional markings never require repainting. The line also includes speed bumps/tables, flexible curbing, ramp delineators, wheel stops, and other products.
Road Kare International
Booth 554
Roadway drainage
The company's line of trench drains increase road safety by minimizing ponding and sheeting, handle challenges of fast-moving traffic, and avoid the need for multiple grades on a road project. The HD200 HighwayDrain offers excellent hydraulics due to its 8-in. internal width and large intake slots. Further, the product safely withstands dynamic loads.
ACO Polymer Products Inc
Booth 1739
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The company offers luminaires and LED lighting products that improve the energy efficiency of lighting applications without sacrificing aesthetics. Clients can choose from traditional styles, or work with the company to create custom designs. Because the company maintains its own foundry, it maintains tight schedules and delivers quick turnaround when needed.
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text:
Medicare and Perscription Drugs
Authored By: Legal Hotline for Texans; Centers for Medicare & Medicaid Services
- Contents
- Information Medicare Part D - Legal Hotline for Texans Publication Medicare and Perscription Drugs - Centers for Medicare & Medicaid Services Medicare Part D - Solicitations - Federal Trade Commission
How do I get Medicare drug coverage?
Medicare drug coverage is called Medicare Part D. You have to get Medicare Part D through private insurance companies. There are two kinds of plans that have prescription coverage: Prescription Drug Plans or Medicare Advantage Plans. Prescription Drug Plans (PDPs) only pay for drugs. Medicare Advantage Plans (MAs) pay for both medical care and drugs. Plans vary in costs and the drugs covered. The list of drugs covered by a plan is called its formulary. You must sign up for a Part D plan. Signing up is called enrolling in the plan. Before enrolling in any plan, check the plan's formulary to make sure that the drugs you take will be paid for by the plan. Plans also have different co-pay amounts. A co-pay is the part of the drug cost that the patient has to pay.
Who can get Part D coverage?
People who are on Medicare can get Part D coverage. Enrollment is voluntary. To join a PDP, you must have Medicare Part A or Part B. To join a MA plan, you must have both Part A and Part B. Most people should join when they are first eligible. There are late enrollment penalties for people who sign up late.
When can I enroll?
Between October 15 and December 7, anyone can join, switch, or drop a Medicare drug plan. This is called the Open Enrollment Period. During the Open Enrollment Period, people can switch to a different Medicare drug plan if they want to. When you join or switch plans, your new coverage usually begins on January 1 as long as the plan gets your request by December 7.
What do I need to do to enroll?
Once you choose a Medicare Drug Plan, you can sign up for the plan by filling out a paper application, by calling the plan provider, by filling out an application online on the plan's Web site or on www.medicare.gov, or by calling 1-800-MEDICARE.
When you are first eligible for Medicare, you can join during the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
If you get Medicare due to a disability, you can join during the 7-month period that begins 3 months before your 25th month of disability, and ends 3 months after your 25th month of disability. You'll have another chance to join that starts 3 months before the month you turn 65, and ends 3 months after the month you turn 65.
If you get a low income subsidy (also called Extra Help), you can join, switch or drop a Medicare drug plan anytime. Low income subsidy is a program that helps low income persons pay for some of their Medicare drug plan costs.
If you decide not to join a Medicare drug plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get the low income subsidy, you will likely pay a late enrollment penalty.
What is the Part D Late Enrollment Penalty?
The late enrollment penalty is an amount added to your Part D premium. You may owe a late enrollment penalty if, at any time after your initial enrollment period is over, there is a period of 63 or more days in a row when you don't have Part D or other creditable prescription drug coverage.
The cost of the late enrollment penalty depends on how long you went without creditable prescription drug coverage. The late enrollment penalty is calculated by multiplying 1% of the "national base beneficiary premium" ($32.34 in 2011 and $31.08 in 2012) times the number of full uncovered months you were eligible but didn't join a Medicare drug plan and went without other creditable prescription drug coverage. The final amount is rounded to the nearest $.10 and added to your monthly premium. The national base beneficiary premium may increase each year, so the penalty amount may also increase every year.
Example: Mrs. Jones didn't join when she was first eligible by May 15, 2007. She joined a Medicare drug plan between October 15-December 7, 2010, for an effective date of January 1, 2011. Since Mrs. Jones didn't join when she was first eligible and went without other creditable drug coverage for 43 months (June 2007-December 2010), she is charged a monthly penalty of $13.90 in 2011 ($32.24 national base rate premium X .01 penalty rate X 43 months = $13.90). She pays this late enrollment penalty monthly in addition to her plan's monthly premium.
If you don't agree with your late enrollment penalty, you can ask Medicare for a review or reconsideration.
How much does Medicare Part D coverage cost?
Each plan is different, but Medicare sets out the minimum that drug plans have to cover. Your cost depends on the drugs you take, the plan you choose, and the pharmacy you use. Your costs will include a monthly premium, a yearly deductible, copayments or coinsurance, costs in the coverage gap, costs if you get Extra Help, and costs if you pay a Late Enrollment Penalty. These amounts vary from year to year according to your plan. The monthly premium is the money you pay every month to be covered by the plan. The yearly deductible tells how much money you have to spend out of your pocket before the insurance company begins paying for your drugs. Co-payments are your share of each prescription's cost.
You should be aware of the coverage gap. Some people call it the Donut Hole. Most plans have a limit on the amount of money they will pay. Then you will have to pay all costs for your drugs up to your out-of-pocket limit. Yearly deductibles, coinsurance or copayments, and the costs for drugs are counted toward the out-of-pocket limit. Once you enter the coverage gap, you get a 50% manufacturer-paid discount on covered brand-name drugs. Although you'll only pay 50% of the price for that brand name drug, the entire price will count as out-of-pocket spending, which will help you get out of the coverage gap. You'll also save 7% of the plan's cost for all generic drugs until you reach the end of the coverage gap. Premium payments are not included.
Example: Mr. Smith has a $2830 yearly limit. This is the retail cost of the drugs not the discounted price that he pays. His deductible is $310. The retail cost of Mr. Smith's drugs is $800 per month. In January, he will pay his deductible of $310. In February and March, he will pay his co-pay. In April, he will reach the $2830 limit, so his plan will quit paying for his drugs until he has paid $4550 including his deductible, co-pays, and drug costs. So, he will have to pay the whole cost of his drugs until September.
Your actual drug plan costs will vary depending on: the prescriptions you use and whether your plan covers them, the plan you choose, whether you go to a pharmacy in your plan's network, whether your drugs are on your plan's formulary, and whether you get Extra help paying your Part D costs.
What if I have problems paying for my Part D plan?
If you are struggling with your drug costs, you may qualify for a low income subsidy (LIS). Depending on your income and assets, you may qualify for payment of premiums, deductibles, and reduced co-pays for your medications.
How do I apply for low income subsidy (LIS)?
Call the Social Security Administration at 800-772-1213. You can also apply online at www.ssa.gov or in person at your local Social Security office.
For more information…
Your local Area Agency on Aging has benefits counselors who can help you evaluate plans and see whether you qualify for the Low Income Subsidy. Call (800) 252-9240 to locate your local office.
Centers for Medicare & Medicaid Services: (800) 633-4227or go to www.medicare.gov to request the official government handbookMedicare & You.
Legal Hotline for Texans: (800) 622-2520
Speak to an attorney. Advice is free for Texans 60 and over or for anyone eligible for Medicare.
Medicare Part D - Legal Hotline for Texans Publication
- DOC File size: 62.00KB


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Division of Research Administration Home > Institutional Review Board (IRB) > Compliance and FWA
SLU IRB Standard Operating Policies and Procedures (Interim) Revised 11/18/2014
Please note: The SLU IRB Standard Operating Policies and Procedures is undergoing revision. This posted version may not be the most accurate. Please check with the IRB office at 314-977-7744 if you have questions.
IRB Assurance of Compliance Letter
SLU Federal Wide Assurance (FWA00005304)
IRB Member Conflict of Interest Assurance
eIRB Full Approval Letter Notice
Acceptance of Electronic Signatures - Letter to FDA


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Scars 101The basics on scars and why they form
Scars are the natural result of the way the body heals a wound. The actual scar tissue is a section of repaired skin that does not look or feel like ordinary skin. The more you understand about scars and your skin, the better the decisions you can make about what, if any, care or treatment you might need.
Scars can affect how we feel about ourselves and how we function. Sometimes, scars can affect one's self-esteem and confidence, especially when they are on the face, hands and other areas of the body that people can see easily. Scars can also cause physical pain, tenderness and severe itching. Some scars, such as those caused by burns or deep wounds, also make it harder for people to move or function normally.
Wounds heal in phases over weeks and even years, and the scar that forms can change during that process. There are different types of scars and many causes. Certain types of care and treatment can often reduce the appearance, pain or discomfort of scars, and can even help improve how elastic or flexible scar tissue becomes.NEXT: How scars form


text:
Jump to:Page Content
Home > News & Events > Events Calendar > Are INGOs Fit for the Future?
This study group considers how major international NGOs are positioned to face challenges of the future. Ramesh Singh, currently Director of Learning, Monitoring & Evaluation at Open Society Foundations (and formerly Chief Executive of ActionAid International) will lead the discussion.


text: The Lenten season has is fast approaching (Ash Wednesday is February 13), and I'm thinking of what I want to do. I really like the idea of doing something, rather than, or in addition to, giving something up. Does anyone have any suggestions of something daily I could do that's not just for me? So not prayer, or fitness, but something that makes a positive difference to someone other than myself. I will probably give up some things too (coffee, chocolate, alcohol, meat) but I'm not sure. What are you doing for Lent?


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Fast Facts
- Population:
- 26,444,000
- Capital:
- Tashkent; 2,155,000
- Area:
- 447,400 square kilometers (172,742 square miles)
- Language:
- Uzbek, Russian, Tajik
- Religion:
- Muslim, Eastern Orthodox
- Currency:
- Uzbekistani sum
- Life Expectancy:
- 70
- GDP per Capita:
- Literacy Percent:
- 99
Uzbekistan Facts Flag
Uzbekistan, a landlocked country dominated by the Qizilqum desert, is Central Asia's most populous country. About 80 percent of the country is flat desert, with mountain ranges rising in the far southeast and northeast. The Fergana Valley in the northeast is the country's most fertile region, containing many cities and industries.
The ancient oasis cities of Tashkent, Samarqand, and Bukhara all evoke the old Silk Road to China. Uzbeks, third largest ethnic group of the former Soviet Union (after Russians and Ukrainians), descend from Turkic people and are rooted in the Sunni Muslim faith.
Most of the population lives in rural areas, where cotton crops, imposed by Soviet planners at horrendous cost to the environment, made Uzbekistan one of the world's top five producers. The Aral Sea, fed by rivers extensively tapped for irrigation, has shrunk to a fraction of its 1960s extent—and may become a vast desert by the year 2018.
Economic growth and living standards are among the lowest in the former Soviet Union. Uzbekistan is still one of the largest exporters of cotton, and the world's largest open-pit gold mine is at Muruntau in the Qizilqum desert—some geologists claim it is the Earth's largest gold deposit. However, the economic climate is poor because of smothering state control. The government is authoritarian and is becoming more rigid as it is threatened by Islamist groups. The country faced a wave of violence from suicide bombings in 2004.
- Industry: Textiles, food processing, machine building, metallurgy, natural gas
- Agriculture: Cotton, vegetables, fruits, grain; livestock
- Exports: Cotton, gold, energy products, mineral fertilizers, ferrous metals
—Text From National Geographic Atlas of the World, Eighth Edition
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text:
Discussion in 'Pistons and NBA' started by roscoe36, Dec 10, 2008.
I resemble that remark
he's going to get fired by the ASB. He sees nothing wrong with his lineup, and his vague "lineups depending on matchups." i'm may just be a stupid kid, but when has this ever worked? switching the lineup with such frequency and recklessness. roscoe what's appalling about the comments is not because they disparage players or throws them under the bus. it's that he has the nerve to resort to an asinine lineup, poor bench rotations, and DNP'ing high energy guys like Amir and Max, defensive specialists like Kwame, and BLAME the team for not being capable to play better defense and with higher energy. He does not know that he is the problem.
You're not stupid. Just impatient. Sure, he's demanding more of the guys who did play. The Pistons had a 17 point lead with his lineups. We didn't lose that game because of lineups. We lost that game because we have no mental toughness, and the 'Zards outplayed us late. Go watch the Wizz Coach's post game interview on AOL. He asked for more and got it. Curry asked for more, and didn't get it. I think he knows what the problem is. But he's not going to let the players off the hook and blame himself. Remember, a press conference is meaningless. It's a dog and pony show. What goes on behind closed doors, we're simply not privy to it. Do you really think if there is a problem with how he is handling the team, JD won't say something to him? Curry hasn't been able to get the team ready on Sundays, but beyond that, I see a lot of the losing happening on the court, not on the sideline.
So, is the problem that guys are getting beat and taking bad shots, or is the problem that the other guys have bad body language? It's really a tough one to figure out.
This team didn't need a new coach, it needs a psychologist.
Its like they are taking on the persona of Sheed.
Exactly. Also I think his tone was disrespectful in a way like who are you to question me?
Flip actually did not demand from his players anything "uncomfortable" . Players got used that, NOW Curry demands more from them and is not afraid to stress it during pressers.
I volunteer to be team psychologist.
Ok, we will let Darth and Jammer have a slap fight to figure out who will be in charge of wardrobe.
YouTube - Michael Curry is ANGRY his press conference after bobcats game.. lol.
Curry is 100% right. The guys on the floor, with a 20+ point lead, have to be accountable. Many of us have paid lip service to this for years, well now it is time to walk the walk.
He may be showing too much stress for Davidson's liking...
He has every right to be frustrated with these guys and none of them are rookies. These are players with years of experience (plus playoff time), and they can't get any defensive stops? The point guards have to set the pace (offensively and defensively) in slowing down the other team. This means running sets that eat up time and give it to the right people under the best circumstances. My favorite (Bynum), blew a couple of opportunities to command the club and turned the ball over. I would have jumped down his ass for this in no uncertain terms. This is the assistant's job to not let some things like this to go unnoticed and Curry needs to call some timeouts so that they can reinforce accountability. I think the biggest helpful suggestion I would give Curry right now, is to be very self-conscious of the other team's momentum. He must use the timeouts at the just the right time. There was no one better at this then Flip. Rookie coaches all too often get wrapped up in the flow of things concerning individual patterns (yours and the other team) and miss important stopping points. There is no shame in letting your assistants help you out on this. Some recognizable signs by them can go a long way in helping one become more objective about the situation.
That's right Dre. Let's get a shout out for my SCHOOL. Mumford H.S., the only Blue School in the nation. Jemele Hill is a Mumford Alumni. Jemele gets a little flustered and she is absolutely passionate about the home team. She was on J Thompson's show here in D.C. laying the lions out, she was rough. She has a real rugged side, she is definitely a west side Detroit Girl, no doubt about that, we don't take any shizer, we just kick butt and take names, LOL.
Nothing wrong with the interview IMHO. Curry just told the truth and be damn hurting anybody's feelings. In other words, you can't pull that NBA trophy out of your ass anytime things don't go your way. I can appreciate that.
You know, I like when someone has conviction to try his best at implementing his philosophy.(Obviously the defense hasn't come around but it will) We all want to see the bench play and he's playing the bench without second guessing himself. It takes a lot of guts to do what he's doing right now and I respect that. That is the mark of a true leader and not a waffler. I trust in MC long term and short term and so should you. You have got to be tough to do what he's doing right now and if anyone can fathom that you will understand he's doing the right thing. This guy is looking for players fellas. Just my opinion.
I think that it would take more guts to bench one of the shooting guards. Playing 3 guards is a form of waffling in my book. He's avoiding confrontation with the established players, but not afraid to criticize the others.
Well yeah that would take more guts to bench one of the shooting guards. DOESN'T MEAN HE'S A WAFFLER. The definition of a waffler someone who consistently plays both sides of the fence when its convenient. Most coaches would not do what he has done thus far. I RESPECT THAT and I think a lot of others would agree. I trust in Mc and so should you and I'm not afraid to it.
Separate names with a comma.


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Dimitar Sasselov:
How we found hundreds of potential Earth-like planets
Astronomer Dimitar Sasselov and his colleagues search for Earth-like planets that may, someday, help us answer centuries-old questions about the origin and existence of biological life elsewhere (and on Earth). Preliminary results show that they have found 706 "candidates" — some of which further research may prove to be planets with Earth-like geochemical characteristics.
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This talk was presented at an official TED conference, and was featured by our editors on the home page.
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Previous Lecture
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Online Course Masters 2016
Get Started - Jump Right In
My Earnings & What Makes This Course Awesome
FREE eBOOK!
10 Actions to Get More Students
How to Win at Teaching Online
Intro to How to Win at Teaching Online (1:18)
Who is Phil Ebiner?
Please Introduce Yourself
How to Choose Your First Topic
Should You Create a Flagship or Niche Course?
Equipment I Use to Create Online Courses
Choosing a Course Title That Will Sell More
How to Price Your Courses
How to Write Promotional Announcements That Sell
How to Promote Courses on YouTube
How to Get More Student Interaction & Why It's Important
How to Increase Per-Course Earnings by Self-Hosting
Thank You and What's Next?
Behind the Scenes of My Video Studio Setup (4:48)
Core Course Information
Course Overview
Who is Phil Ebiner
Choose a Course Topic
Introduction to the Think section
Why Teach Online?
Before You Quit Your Day Job
What are you going to teach?
Steps to your FIRST course
Brainstorming your first course
Outlining your first course
Course Builder - Course Outline
Types of courses - Things to Consider
Basics of Course Creation
Introduction to the Create section
Resources - Create Section
Equipment Check
Essential Video Skills
Essential Audio Skills
Essential Screen Recording Skills
Essential Design Skills
My First Course Experience
Designing Course Slides
Basics of Quality Presentations
PowerPoint Basics
Formatting Text
Using Images in your Presentations
Using Web Examples in your Lessons
Record Your Course
To Script or Not to Script
Screen Recording Tips
Audio Recording - Proper Settings and Tips
Video Lighting - Settings and Tips
The Dress Rehearsal
Good Luck to YOU!
Editing Your Course
Editing Your Lessons
The Proper Way to Add Text
Watermarking Your Videos
Picture in Picture Tutorial - Screenflow
Picture in Picture Tutorial - Premiere Pro
Exporting Your Video Lesson in High Definition Quality
Wrap-Up: Create
Publish Your Course
Introduction to the Share section
Resources - Share Section
Introduction to Promotion
Online Platforms to Sell your Course
Selling on Udemy
Selling on Other Sites
Self-Hosting 101
Course Title, Description, Pricing Strategy
Importance of a Good Title
The Course Promo Video
The Course Image
Udemy Thumbnail Update
Writing Amazing Course Descriptions
Course Builder - Course Description
Using Keywords Properly to Get More Students
Pricing Your Course - What's the right price to charge?
Course Builder - The Power of FREE
Promote Your Course
The Importance of a Promotion Strategy
Promoting to Friends and Family
Promoting on Social Networks - The Basics
Promoting on Facebook
Promoting on LinkedIn
Promoting on Twitter
Promoting on Reddit
Promoting on Deal Sites
Promoting on Marketing Forums
Promoting on Blogs
Promoting with other Instructors
Promoting with Affiliates
Promoting to Current Students
Promoting with Advertisements
Sample Announcements that Rock
Promoting through a Blog Post
Wrap-Up: Share
Brand Your Business
Introduction to the Build section
Resources - Build Section
Intro to Building your own Brand and Audience
Branding Yourself and your Courses
Creating a Logo 101
Build a Website to Promote Your Courses
Websites 101
Domain Name Basics
Website Strategy - Pages and Elements that Work
Blogging on your Website
Creating Video Content Outside of your Courses
Email List Basics
Building a Website
Hosting 101 - Hosting with Bluehost
Build a Website in 5 Minutes
Wordpress 101 - Unique and Professional Webs
Using YouTube to Promote Your Course
Using YouTube to Build your Audience
Using YouTube - Writing a Great Description
Course Builder - YouTube Descriptions
Using YouTube - Annotations to Get More Engagement
Using YouTube - The Power of Commenting
Increase Your Earnings
Using the POWER of FREE to Build your Audience
Interviewing and Podcasting to Grow your Audience
Hosting a Webinar
Using Google Analytics the Right Way
Using YouTube's Analytics to Grow your Tribe
Importance of Tracking your Earnings
Being Transparent - Key to Success
Using your own Numbers to Grow your Audience
Content is Key
Teaching your NEXT Class - topics, style, and more
The Importance of Multiple Streams of Income
Wrap-Up: Build
Course Wrap-Up
Will this work? And if it doesn't?
What are my next plans?
Thank You
Monthly Income Reports
Income Report: April 2016
Income Report: March 2016
Income Report: February 2016
Income Report: January 2016 - $44,399
Income Report: December 2015
Income Report: November 2015
Income Report: October 2015
Income Report: September 2015
Income Report: August 2015
Income Report: July 2015
Income Report: June 2015
Income Report: May 2015
Income Report: April 2015
Income Report: March 2015
Income Report - February 2015
Income Report - January 2015
Income Report: December 2014
Income Report: November 2014
Income Report: October 2014
Income Report: September 2014
Income Report: August 2014
Income Report: July 2014
Income Report: June 2014
Income Report: May 2014
Income Report: April 2014
Bonus Lessons, Guides, & Tips
My Income Numbers
How do I set a work schedule to be productive?
Earnings Update: How I Made Over $10,000 in One Month!
Income Report: December 2014
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