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Having frequented a few public swimming pools while in Iceland, I believe a trip to one is a must when you visit the country.
I love spas, especially natural ones, and I have been to a few public swimming pools in different countries around Europe. So, when I found out that there were public swimming pools in Iceland that used geothermal water, I had to go. Unlike the ones in Budapest, they aren't housed in fancy buildings, and they aren't big tourist attractions. These pools are primarily for locals, so you will find a public pool in most towns. They all have a standard pool that you can swim in and one for children, but it's the wonderful small pools, referred to as hot pots, and the steam rooms that make them spa-like. The hot pots, by the way, are jacuzzis without bubbles. It's like stepping into a lovely warm or hot bath, depending on the temperature, which can be anything from 34 to 44 degrees celsius.
Regardless of the time of year you go, make sure you take your swimming costume to Iceland because it really would be a shame to miss out on the public pools as well as the natural hot springs and rivers that you can bathe in around the country. Bathing in geothermal water is an Icelandic tradition, it will warm you up, and it's a great way to relax your muscles after a long day's hike, as well as a great way to chill out. If you are camping, some of the campsites charge extra if you want to use the shower. For a couple of hundred Icelandic Kroner extra, I preferred to make use of the local swimming pool's facilities for all of the above reasons, plus a couple more. You get to dry your hair with a hairdryer, and get dressed in the warmth.
The last public swimming pool I used was Laugardalslaug in Reykjavik. Families, couples, and groups of friends were there on a Saturday evening, playing ball, chilling out, and chatting in the pools. It's a great place to socialise and meet locals. In Laugardalslaug, there is a saltwater pool at 40 degrees celsius. That was probably the most popular of all. In the swimming pool in Hvolsvollur, you can even drink coffee while using the hot pots in the morning. I did that, and it was fantastic because I hadn't had my morning coffee when I got there. I relaxed in this lovely warm hot pot, drinking coffee. What a great start to the day!
It will cost you anything from 600 and 900 ISK to use a public swimming pool, although the average tended to be 700 ISK, which equates to approximately £4.50. That's great value!
It was a bit odd when I went to the first public pool because all the pools are outdoors. That's normal in Iceland, but not what I was used it. In the UK, we have few outdoor pools, although these are only used in the summer. I would never have considered going to an outdoor public pool when it's 11 degrees Celsius outside, until I went to Iceland. If it's cold, get into the first hot pot you come across. That's what I tended to do. Once you have been in one for a while and warm up, walking about in your swimsuit, while choosing where to go next – another hot pot, the pool, or the steam room – isn't so bad.
Should you decide to go, and I hope you do, look for this sign.
When you go, there are a few things you need to know. You will be reminded by someone, a local or a member of staff, if you don't.
1. Take your shoes off
There will be a shoe rack before you enter the changing rooms where you leave your shoes. In Laugardalslaug in Reykjavik, there are plastic bags you can put your shoes in and then you can place them in your locker.
2. Shower naked
Yes, you have to shower in your birthday suit. This is very important. If anyone thinks you might try to skip this step, they will tell you. There is always a soap dispenser in the shower because you have to use soap. You need to wash your hair, face, armpits, feet, and gentalia. Once you have completed this step, you can put on your swimming costume and enter the pool.
3. Leave your towel and wash things in the rack provided
Having learned from experience, it's best if you leave your towel and wash things in the rack by the shower. There are two reasons for this. Firstly, you can't enter the locker room unless you are dry. You need a towel to dry yourself. If your towel is in your locker, you won't get that far without someone stopping you. Secondly, some lockers will only open once, which means if you open your locker to get your towel and wash things (if you get that far), you might not be able to close it again. That happened to me the first time, and I was a little concerned about my valuables while I was in the shower.
4. Dry yourself completely after showering
Once you've been in the pool and had a shower, you have to dry yourself completely in the wet area before entering the dry area.
5. Leave your camera and phone behind
The public swimming pools are not a tourist attraction. For that reason, please leave your camera and phone in the locker. Quite rightly, you are not allowed to use either in the swimming pool. For that reason, I don't have any photos of the pools, only the exterior.
Have your say
Have you been to any of the public swimming pools in Iceland? If not, is it something you would consider doing when you visit Iceland?


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Joy Katherine MameyBurbank, California, US
My voice has always been my power tool. I can do any character asked of me, and my natural voice is slightly deep and can really capture an audience. My vocal sound ranges from sultry-to professional-to completely goofy. Please listen to my reel for a sample of just some of the characters I can do!
English (North American), English
Arabic, French, German, Irish, Irish Southern (Munster, Cork), North American, Russian, Scottish (Standard Scottish English), Spanish, US New York (New Jersey, Bronx, Brooklyn), US South (Deep South, Dixie, Delta)
Child, Middle Aged, Senior, Teen, Young Adult
Special Skills
Audiobooks, Business, Cartoons, Documentaries, Educational, Internet, Jingles, Movie Trailers, Music, Podcasting, Radio, Telephone, Television, Videogames
Loyola Marymount University, Voice Over Coached by Jim Holmes
Voice Over Workshop taught by Patrick Fraley
Payment Terms
Hire Joy Katherine as a voice actor. Payment is made through Voices.com SurePay, an escrow service that guarantees your work is done to your satisfaction. Send payment securely by Visa, Mastercard or PayPal through Voices.com then download your files from the website.
Watch a video to see how to make a payment
Next Steps
To contact Joy Katherine Mamey about your project, request a quote today. We'll walk you through the process step-by-step. It's fast and easy.
Hire Joy Katherine Mamey as a voice actor. Working with Joy Katherine Mamey is fast and easy. We'll walk you through the process step-by-step.
Request a quote for your project today.

subset: commoncrawl


text:
There's something missing here…
And it's a crazy Parisian artist-moustache, with Annabelle Licoriche!
Get involved with your very own #AnnabelleMovember 'stache
This month for Movember, Annabelle will be donating $1 for every #AnnabelleMovember Pinterest pin. To have your mo' added to the board:
- Take a photo of yourself with a moustache drawn on with Annabelle product(s),
- Pin it to Pinterest,
- Tag it with #AnnabelleMovember,
- And be sure to name the Annabelle product you used to create your 'stache!
Check out the #AnnabelleMovember Mo Sistas 2012 board here.


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(New Orleans, Louisiana, United States) – The New Orleans Greek Festival, which is entering into its 43rd year, will be taking place this weekend from Friday, May 27 to Sunday, May 29. The festival, which is part of the oldest Greek community in the United States, is a way for the people to share a part of their culture with the rest of the community. There is an entrance fee of $7 but children under 12 are free. All the proceeds from the festival will benefit the Holy Trinity Greek Orthodox Church and help the parish meet its daily expenses. Guests can enjoy eating delicious Greek food, listen to Greek music, dance traditional folk dances, and shop for Greek products, such as Greek inspired jewelry and food products.
The start of the festival, however, is its cuisine. Each year, the festival committee selects a dish that will stand out above the rest. This year, they've chosen to focus on the dolmades. Traditionally, dolmades are made with grape leaves that have been stuffed with various ingredients. Although most recipes for dolmades contain rice paired with other ingredients, such as chick peas, nuts, and various types of meat, such as lamb, their is some room for creative play. This year, the festival chefs add ingredients like crawfish meat to their dolmades to pay homage to the cajun population in the area. Other menu items include pastitsio, tiropita, spanakopita, fried calamari, burgers made of goat meat, and desserts such as baklava and loukoumades. Festival goers could also drink Greek beer, wine, and even Ouzo!
Greeks have been settling in Louisiana since the 1700's, long before the Louisiana Purchase in 1803. At the time of this purchase, the people who settled were mostly of French origin, but there was enough of a Greek community to build an Orthodox Church. The Holy Trinity Orthodox Cathedral is now celebrating its 150th anniversary. Although the community didn't begin having a festival until a little over forty years ago, it is now an important part of the Greek community. People from all over Louisiana flock to this festival to experience a taste of what it's like to be Greek.


text: Search Results Use the search box below to revise your search, or start a new search. Studies (341) Variables Publications Your query returned 32 studies. Series results are grouped under the most relevant study. Ungroup series results to view all results. Sort by: Title A-Z Released/Updated Time Period Most Cited in ICPSR Bib. 1. Adjusting the National Crime Victimization Survey's Estimates of Rape and Domestic Violence for Gag Factors, 1986-1990 (ICPSR 6558) Coker, Ann L.; Stasny, Elizabeth A. 55 more results in National Crime Victimization Survey (NCVS) Series 2. Arrests As Communications to Criminals in St. Louis, 1970, 1972-1982 (ICPSR 9998) Kohfeld, Carol W.; Sprague, John 3. Compstat and Organizational Change in the United States, 1999-2001 (ICPSR 25481) Weisburd, David; Greenspan, Rosann; Mastrofski, Stephen 4. Crime Incident Data for Selected HOPE VI Sites in Milwaukee, Wisconsin, 2002-2010, and Washington, DC, 2000-2009 (ICPSR 29981) Cahill, Meagan Elizabeth 5. CrimeStat III: A Spatial Statistics Program for the Analysis of Crime Incident Locations (Version 3.3) (ICPSR 2824) Levine, Ned 6. CrimeStat III User Workbook and Data (ICPSR 23622) Smith, Susan C.; Bruce, Christopher W. 7. Deterrent Effects of Punishment on Crime Rates, 1959-1960 (ICPSR 7716) Ehrlich, Isaac 8. Evaluation of CeaseFire, a Chicago-based Violence Prevention Program, 1991-2007 (ICPSR 23880) Skogan, Wesley G. 9. Explaining Developmental Crime Trajectories at Places: A Study of "Crime Waves" and "Crime Drops" at Micro Units of Geography in Seattle, Washington, 1989-2004 (ICPSR 28161) Weisburd, David; Groff, Elizabeth; Yang, Sue-Ming 10. Gender and Violent Victimization, 1973-2005 [United States] (ICPSR 27082) Lauritsen, Janet; Heimer, Karen 11. Homicides in New York City, 1797-1999 [And Various Historical Comparison Sites] (ICPSR 3226) Monkkonen, Eric 12. How Justice Systems Realign in California: The Policies and Systemic Effects of Prison Downsizing, 1978-2013 (ICPSR 34939) Petersilia, Joan; Weisberg, Robert 13. Intercity Variation in Youth Homicide, Robbery, and Assault, 1984-2006 [United States] (ICPSR 30981) Strom, Kevin; Browne, Angela 14. Law Enforcement Agency Indentifiers Crosswalk, 2012 (ICPSR 35158) United States Department of Justice. Office of Justice Programs. Bureau of Justice Statistics 15. Los Angeles Homicides, 1830-2003 (ICPSR 3680) Monkkonen, Eric H. 16. Measuring Crime Rates of Prisoners in Colorado, 1988-1989 (ICPSR 9989) English, Kim; Mande, Mary J. 17. Missing Data in the Uniform Crime Reports (UCR), 1977-2000 [United States] (ICPSR 32061) Targonski, Joseph 18. Multiple Imputation for the Supplementary Homicide Reports: Evaluation in Unique Test Data, 1990-1995, Chicago, Philadelphia, Phoenix and St. Louis (ICPSR 36379) Roberts, John; Roberts, Aki 19. National Evaluation of the Rural Domestic Violence and Child Victimization Enforcement Grant Program, 1998-2002 (ICPSR 3677) Dutton, Mary Ann; Worrell, Aileen; Terrell, Darci; et al. 20. National Neighborhood Crime Study (NNCS), 2000 (ICPSR 27501) Peterson, Ruth D.; Krivo, Lauren J. 21. New Approach to Evaluating Supplementary Homicide Report (SHR) Data Imputation, 1990-1995 (ICPSR 20060) Wadsworth, Tim; Roberts, John M. 22. Police Response Time Analysis, 1975 (ICPSR 7760) Kansas City, Missouri, Police Department 23. Pretrial Release Data, 1969 (ICPSR 7538) Nagel, Stuart S.; Wice, Paul; Neff, Marian 24. School Survey on Crime and Safety (SSOCS), 2000: [United States] (ICPSR 3964) United States Department of Education. National Center for Education Statistics 25. School Survey on Crime and Safety (SSOCS), 2004 (ICPSR 25681) United States Department of Education. Institute of Education Sciences. National Center for Education Statistics 26. School Survey on Crime and Safety (SSOCS), 2006 (ICPSR 25421) United States Department of Education. Institute of Education Sciences. National Center for Education Statistics 27. Study of Race, Crime, and Social Policy in Oakland, California, 1976-1982 (ICPSR 9961) Street, Lloyd 28. Survey of American Prisons and Jails, 1979 (ICPSR 7899) Abt Associates 29. Survey of Police Chiefs' and Data Analysts' Use of Data in Police Departments in the United States, 2004 (ICPSR 32103) Friedmann, Robert; Orchowsky, Stan 30. Uniform Crime Reporting Program Data: Arrests by Age, Sex, and Race, 1983 (ICPSR 23326) United States Department of Justice. Federal Bureau of Investigation 254 more results in Uniform Crime Reporting Program Data Series 31. Uniform Crime Reports [United States], 1930-1959 (ICPSR 3666) United States Department of Justice. Federal Bureau of Investigation 32. United Nations World Crime Surveys: Fifth Survey, 1990-1994 (ICPSR 3686) United Nations Office at Vienna. Crime Prevention and Criminal Justice Branch


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CodePlexProject Hosting for Open Source Software
I just installed the latest stable version of NB_Store. I have everything setup and added the PayPal.gateway. I ran a test using a Test Product for a Dollar and successfully went through to the Paypal site. However the purchase only said it was for
1. Is there a setting to pass through the product name or summary like if I were using the Paypal Cart Button? Modifying the gateway perhaps?
2. Is there a way to force users to fill out the purchase form as non DNN users? I turned off minumum validation but it still doesn't force any fields.
3. I have found French dispersed throughout the templates, Including the cart, minicart, product templates and lists.
Thanks in advance.
The paypal provider is setup to just send a single amount to palpay for payment and then to return.
However there is scope build in to pass additional parameters...using the paypalurl node...
have a look at the read.txt in the paypal provider package.
If you turn off minimum validation then the Name,Street, Postal Code and city should be forced to be entered.
The French in the templates...Ahhh!!!....I though I'd got them all, obviously I missed some, I'll have to have a go through it again for the next release.
I read the readme and modified the PayPal.Gateway and it works great.
Is the paypal provider open source? Is the provider limited because PayPal's api is limited?
I have the cart working nicely as an event registration payment gateway. Check it out.
http://www.wateringseeds.org (Soon to be converted to DNN)
Thanks for your help.
Sorry to bump an old thread, but I couldn't find a good resource to explain what those new parameters in Dave's example did or what additional parameters could be used.
Instead of the bulk description, I want to modify my gateway to show some identifying text (Model Ref, Model name, etc.) and a quantity for every item ordered.
I thought this link on customizing the order page would be helpful, but it doesn't actually explain passing parameters. Looking at the NB_Store documentation, none of the tokens jump out at me, either.
I don;t think your going to get detail items working with this gateway provider. Bascially it's been designed to simply pass a total amount to paypal, the idea being the order details are displayed on the NB_Store side of things. The extra params
stated above can be used to pass things like client name and address. This gateway provider for paypal supports only url based method, I'm not even sure if item detailed is supported with the url method (I don;t think so!).
Anyway if you need to get item detail working you'll have to write your own gateway provider for paypal, perhaps one that uses the paypal api rather than the url method. Have a look at these documents if your going down that root.
Are you sure you want to delete this post? You will not be able to recover it later.
Are you sure you want to delete this thread? You will not be able to recover it later.


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OSF Innovation – Phased Web Approach
Role: Digital Strategist
Company: Franklin Street
OSF Innovation is a division in the OSF HealthCare system that is focused on changing the way certain things are done in healthcare as a whole industry. Their initiative is a pretty big goal and is something we really wanted to be a part of. So, we took responding to their RFP very seriously.
The first thing we did on evaluating their RFP was realized that they were asking for too much right off of the bat. We were able to identify this because we knew that the brand look and direction was a in a state of change. Also, the ask for the website build was too much in a short timeline. We identified that this would likely cause them to make decisions that were reactive and not rooted in strategy.
Because of this we recommended a phased web approach to this project. We made this recommendation to make sure that strategic decisions were being made, that the look could adjust over time to be more in line with the brand, as well as get something that we could agree to do with in scope for their initial timeline. The result was a response to an RFP with a microsite.
This type of response is something we saw as a great way to separate ourselves from the other RFP submissions. It was also something were I could start playing with an initial setup to get a head start on the prototype work that would be coming my way if we won the project.
It turns out we won the project with our RFP submission. The next step was to move into a client discovery phase and to meet with their selected development partner. Once accomplishing some loose business rules, and the basics for the client's content strategy we were ready to move forward into wireframing and prototyping work for OSF Innovation.
Our wireframe work consisted of some quick sketches in a few whiteboard sessions, to work through the initial concepts and to develop a plan for the prototype. The prototype for this project was developed using the framework that was started for the RFP and combined with the work sessions completed through the wireframing stage.
The prototype was made fully responsive and with some micro animations built in. The reason for doing this was to get buy-in from the organization and to have efficient communication with the developer. It was important to have something of this high fidelity presented to the client, because there were 16 decision makers for this project (that is not an exaggeration).
After the prototype was approved by the client we moved into design work for this project. The scope for this project involved create two design versions based off of some of the client's existing materials. We then went through another meeting with the leadership team, and got approval on a direction.
This work completed phase one of the phased approach. Phase two and three are still to come, and they will be built on the direction established in phase one and the work plan laid out in the RFP stage.
RFP Site
Prototype Site
Design A
Design B
Approved Design
The Live Site


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5K benefits Southern Vermont Therapeutic Riding Center
GRAFTON -- On May 17 at Grafton Ponds Outdoor Center the Southern Vermont Therapeutic Riding Center is hosting a 5K Walk, Trot or Pedal Fun Run event.
The 5K course winds through meadows, past the Grafton Village Cheese Factory and the village of Grafton overlook, back through meadows finally returning to Grafton Ponds. Registration begins at 9 a.m. with the event beginning at 10 a.m. The cost is $30 per person the day of the event (children age 11 and under are free). Teams of three or more are $20 per person.
Raising pledges is encouraged as prizes will be awarded for both an individual who and team that raises the most money.
All proceeds go to benefit the mission of the Southern Vermont Therapeutic Riding Center, located at 336 River Road in Newfane, which is to enrich, educate and expand the lives of individuals with special needs through Equine Assisted Activities & Therapies. Since its founding in 2010, SVTRC has grown from a few initial riders -- both children and adults -- to successfully working with programs and schools including veterans' programs, the Brattleboro Retreat, Kindle Farm School, The INSPIRE School and local elementary and high schools. Since the fall of 2012, Landmark College has enlisted SVTRC to provide their Equine Assisted Learning classes.
While the benefits of Therapeutic Riding have been medically documented, statistics alone cannot fully describe the true value of this service. The look of confidence, pride and achievement on a rider's face when he or she has successfully completed a task is the most profound measure of its value. However, many clients, young and old, who benefit from SVTRC's programs cannot afford the full cost of lessons.
Proceeds will be also used to help pay for the care and boarding fees of the team of five therapy horses that have been specifically trained for this program.
Water and juice will be provided to all attendees as well as fresh fruit, yogurt and snacks. There will also be children's activities, "Tana the Smiling Horse" available to pet, brush and feed, and the opportunity to have your picture taken with Tana. T-shirts will be provided to registrants age 12 and up as well as goodie bags.
For more information, visit www.sovtrc.org or call 802-221-4409.
If you'd like to leave a comment (or a tip or a question) about this story with the editors, please email us. We also welcome letters to the editor for publication; you can do that by filling out our letters form and submitting it to the newsroom.


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The popularity of birthstones can be traced to ancient times when it was believed that the stones held powers such as prosperity, luck, and health. Birthstones are still popular today because they combine beautiful colors with objects of personal significance. At Soderberg Floral, we like to incorporate flowers with special meaningful events and occasions – that's how our special Birthstone Collection was created.
Each month, beginning with March, we are offering a beautiful new bouquet in colors that correspond with each birthstone. This special collection will help you select the perfect gift depending on the birth month of the recipient. Check back each month as we offer an exciting new addition to our collection.


text: Hi guys, So ever since I bought my lovely 05' Civic, I've been wanting to do a bit of maintenance to it, seeing as it has run over 86000 miles now. This includes replacing all filters and replacing my spark plugs. After having checked some guides, I feel fairly confident that I can replace the spark plugs myself. However I thought it best to ask here before proceeding, seeing as there are some inconsistencies in the guides.. Namely: - Whether or not to use anti-seize compound like Copper Ease and how to apply this to the spark plugs. - Normal or Iridium Spark plugs? Recommended brand? - Spark plug gap distance (and is it even necessary?) Thanks!


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Business joint ventures range from the relatively simple issue of two people working together to major joint projects between well-established companies.
We have extensive experience at all levels, and we believe that our advice can help to reinforce the business relationship which is key to the success of the joint venture.
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text: Deutsche Bank Stock Price, News & Analysis (NYSE:DB) $19.39 0.61 (3.25 %) (As of 01/23/2018 01:04 PM ET)Previous Close$18.78Today's Range$19.21 - $19.4052-Week Range$15.59 - $20.94Volume7.13 million shsAverage Volume4.79 million shsMarket Capitalization$39.99 billionP/E Ratio-32.32Dividend Yield1.14%Beta1.42 Company Profile Analyst Ratings Dividend History Earnings History Earnings Estimates Insider Trades Headlines Social Media Chart About Deutsche Bank (NYSE:DB) Deutsche Bank AG is a bank and holding company for its subsidiaries. The Company offers a range of investment, financial and related products and services to private individuals, corporate entities and institutional clients. It operates through six divisions: Global Markets, which offers financial products, including trading and hedging services to institutions and corporate clients; Corporate & Investment Banking, which brings together its commercial banking, corporate finance and transaction banking capability; Private, Wealth and Commercial Clients, which combines its capability in private and commercial banking, as well as in wealth management solutions; Deutsche Asset Management, whose investment capabilities span both active and passive strategies and an array of asset classes, including equities, fixed income, real estate and sustainable investments; Postbank, which is a German financial service provider for retail, business and corporate clients, and Non-Core Operations Unit. Receive DB News and Ratings via Email Sign-up to receive the latest news and ratings for DB and its competitors with MarketBeat's FREE daily newsletter. Industry, Sector and Symbol Industry Banks Sub-IndustryN/A SectorFinancials SymbolNYSE:DB CUSIPN/A Webwww.db.com Phone+49-69-91000 Debt Debt-to-Equity Ratio2.35% Current Ratio0.84% Quick Ratio0.84% Price-To-Earnings Trailing P/E Ratio-32.3166666666667 Forward P/E Ratio80.79 P/E Growth3.17 Sales & Book Value Annual Sales$44.58 billion Price / Sales0.90 Cash Flow$5.49 per share Price / Cash3.53 Book Value$52.01 per share Price / Book0.37 Profitability Trailing EPS($0.60) Net Income$-1,550,340,000.00 Net Margins-0.42% Return on Equity3.65% Return on Assets0.16% Miscellaneous Employees99,744 Outstanding Shares2,066,770,000 Deutsche Bank (NYSE:DB) Frequently Asked Questions What is Deutsche Bank's stock symbol? Deutsche Bank trades on the New York Stock Exchange (NYSE) under the ticker symbol "DB." How often does Deutsche Bank pay dividends? What is the dividend yield for Deutsche Bank? Deutsche Bank declared an annual dividend on Friday, March 17th. Shareholders of record on Thursday, May 18th will be given a dividend of $0.2024 per share on Tuesday, May 23rd. This represents a yield of 1.06%. The ex-dividend date is Friday, May 19th. View Deutsche Bank's Dividend History. How were Deutsche Bank's earnings last quarter? Deutsche Bank AG (NYSE:DB) issued its quarterly earnings data on Thursday, October, 26th. The bank reported $0.35 EPS for the quarter. The bank earned $7.96 billion during the quarter. Deutsche Bank had a positive return on equity of 3.65% and a negative net margin of 0.42%. View Deutsche Bank's Earnings History. When will Deutsche Bank make its next earnings announcement? Deutsche Bank is scheduled to release their next quarterly earnings announcement on Monday, March, 19th 2018. View Earnings Estimates for Deutsche Bank. Where is Deutsche Bank's stock going? Where will Deutsche Bank's stock price be in 2018? 11 brokers have issued twelve-month target prices for Deutsche Bank's stock. Their forecasts range from $18.03 to $18.03. On average, they expect Deutsche Bank's share price to reach $18.03 in the next twelve months. View Analyst Ratings for Deutsche Bank. Are investors shorting Deutsche Bank? Deutsche Bank saw a drop in short interest during the month of December. As of December 15th, there was short interest totalling 35,167,409 shares, a drop of 12.3% from the November 30th total of 40,111,887 shares. Based on an average daily volume of 3,166,050 shares, the days-to-cover ratio is currently 11.1 days. Currently, 2.0% of the shares of the company are short sold. Who are some of Deutsche Bank's key competitors? Some companies that are related to Deutsche Bank include Bank of Nova Scotia (BNS), ING Groep (ING), PNC Financial Services Group (PNC), Lloyds Banking Group (LYG), Banco Bradesco (BBD), Sumitomo Mitsui Financial Grp (SMFG), Banco Bilbao Vizcaya Argentaria (BBVA), Bank of Montreal (BMO), Lloyds Banking Group (LLOY), Barclays (BCS), Royal Bank of Scotland Group (RBS), Mizuho Financial Group (MFG), Credit Suisse Group (CS), BB&T (BBT), Canadian Imperial Bank of Commerce (CM), Banco Santander Brasil (BSBR), Barclays (BARC) and Royal Bank of Scotland Group (RBS). Who are Deutsche Bank's key executives? Deutsche Bank's management team includes the folowing people: Paul Achleitner, Chairman of the Supervisory Board (Age 60)John Cryan, Chairman of the Management Board, Chief Executive Officer (Age 56)Marcus Schenck, Deputy Chief Executive Officer, Member of the Management Board (Age 52)Christian Sewing, Deputy Chief Executive Officer, Head of Private, Wealth & Commercial Clients, Member of the Management Board (Age 47)Stefan Rudschaefski, Deputy Chairman of the Supervisory Board, Employee Representative (Age 52)James von Moltke, Chief Financial Officer, Member of the Management Board (Age 48)Werner Steinmueller, Regional Chief Executive Officer Asia Pacific, Member of the Management Board (Age 63)Kimberly L. Hammonds, Chief Operating Officer, Member of the Management Board (Age 50)Stuart Wilson Lewis, Chief Risk Officer, Member of the Management Board (Age 52)Geoffrey Paul, Managing Director and Head of Americas Natural Resource Equity Capital Markets Who owns Deutsche Bank stock? Deutsche Bank's stock is owned by a number of of retail and institutional investors. Top institutional investors include C-QUADRAT SPECIAL SITUATIONS DEDICATED FUND (9.91%), C-QUADRAT SPECIAL SITUATIONS DEDICATED FUND (9.91%), Bank of Montreal Can (0.10%) and Bristol Advisors LLC (0.00%). View Institutional Ownership Trends for Deutsche Bank. Who sold Deutsche Bank stock? Who is selling Deutsche Bank stock? Deutsche Bank's stock was sold by a variety of institutional investors in the last quarter, including Bristol Advisors LLC. View Insider Buying and Selling for Deutsche Bank. Who bought Deutsche Bank stock? Who is buying Deutsche Bank stock? Deutsche Bank's stock was bought by a variety of institutional investors in the last quarter, including Bank of Montreal Can. View Insider Buying and Selling for Deutsche Bank. How do I buy Deutsche Bank stock? Shares of Deutsche Bank can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab. What is Deutsche Bank's stock price today? One share of Deutsche Bank stock can currently be purchased for approximately $19.39. How big of a company is Deutsche Bank? Deutsche Bank has a market capitalization of $39.99 billion and generates $44.58 billion in revenue each year. The bank earns $-1,550,340,000.00 in net income (profit) each year or ($0.60) on an earnings per share basis. Deutsche Bank employs 99,744 workers across the globe. How can I contact Deutsche Bank? Deutsche Bank's mailing address is Taunusanlage 12, Frankfurt Am Main, 60325, Germany. The bank can be reached via phone at +49-69-91000 or via email at [email protected] MarketBeat Community Rating for Deutsche Bank (DB)Community Ranking: 1.7 out of 5 ()Outperform Votes: 287 (Vote Outperform)Underperform Votes: 577 (Vote Underperform)Total Votes: 864MarketBeat's community ratings are surveys of what our community members think about Deutsche Bank and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days. Analyst Ratings Deutsche Bank (NYSE:DB) Analysts' Consensus Rating (How are Consensus Ratings Calculated?) MarketBeat calculates consensus analyst ratings for company stocks using the most recent rating from each brokerage that has rated a stock within the last twelve months. Since brokers often use different ratings systems, each rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Analyst consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings from Wall Street analysts. Each stock's consensus analyst rating is derived from its calculated consensus ratings score (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months.MarketBeat will no longer include ratings and price target data in its consensus calculation if a broker drops coverage and MarketBeat has received a report that coverage was dropped. Ratings from certain research firms that issue ratings using purely quantitative methods (such as Zacks, Vetr and ValuEngine) are not included in consensus calculations. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.Today30 Days Ago90 Days Ago180 Days AgoConsensus Rating: HoldHoldHoldHoldConsensus Rating Score: 1.731.821.891.77Ratings Breakdown: 4 Sell Rating(s)6 Hold Rating(s)1 Buy Rating(s)0 Strong Buy Rating(s)4 Sell Rating(s)5 Hold Rating(s)2 Buy Rating(s)0 Strong Buy Rating(s)3 Sell Rating(s)4 Hold Rating(s)2 Buy Rating(s)0 Strong Buy Rating(s)6 Sell Rating(s)4 Hold Rating(s)3 Buy Rating(s)0 Strong Buy Rating(s)Consensus Price Target: $18.03$18.03$18.03$10.00Price Target Upside: 2.80% downside10.30% downside10.34% upside47.53% downsideDeutsche Bank (NYSE:DB) Consensus Price Target History Deutsche Bank (NYSE:DB) Analyst Ratings History Show: Only the Most Recent Rating From Each Brokerage All Ratings For This Stock DateBrokerageActionRatingPrice TargetImpact on Share PriceDetails1/8/2018HSBCDowngradeBuy -> HoldLow12/19/2017CitigroupReiterated RatingSellLow12/7/2017DZ BankReiterated RatingBuyLow12/5/2017Goldman Sachs GroupReiterated RatingNeutralMedium11/20/2017Keefe, Bruyette & WoodsDowngradeMarket Perform -> UnderperformN/A11/20/2017JPMorgan Chase & Co.Reiterated RatingNeutralN/A9/5/2017Credit Suisse GroupUpgradeUnderperform -> NeutralMedium8/15/2017MacquarieDowngradeNeutral -> UnderperformLow6/8/2017BarclaysReiterated RatingNeutralMedium3/6/2017Royal Bank of CanadaReiterated RatingSector PerformN/A3/6/2017NatixisReiterated RatingReduceN/A10/5/2016Bank of AmericaReiterated RatingUnderperform$10.00N/A9/6/2016SantanderDowngradeHold -> UnderweightN/A8/1/2016Societe GeneraleReiterated RatingSellN/A5/16/2016Berenberg BankDowngradeHold -> Sell$16.48 -> $16.39N/A4/21/2016equinetReiterated RatingNeutralN/A3/14/2016Morgan StanleyReiterated RatingNeutralN/A2/20/2016Bankhaus LampeReiterated RatingBuyN/A2/10/2016Nord/LBUpgradeSell -> Hold$14.00 -> $16.00N/A(Data available from 1/23/2016 forward) Earnings Deutsche Bank (NYSE:DB) Earnings History and Estimates ChartDeutsche Bank (NYSE DB) Earnings History by QuarterDateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails3/19/2018 10/26/2017Q3 2017$0.35$7.96 billionViewN/A7/28/2017Q2 2017$0.08$7.27 billionViewN/A4/27/2017Q1 2017$0.42$7.83 billionViewN/A3/20/2017Q4 2016$0.64$7.63 billionViewN/A10/27/2016Q3$0.20$8.36 billionViewListen7/27/2016Q2 2016$0.23$8.34 billionViewN/A4/28/2016Q1 2016$0.28$8.90 billionViewN/A1/28/2016Q4 2015($1.14)$7.28 billionViewN/A10/29/2015Q3 2015($0.19)$8.15 billionViewN/A7/30/2015Q2 2015$0.44$10.15 billionViewN/A4/29/2015Q1 2015$0.43$11.41 billionViewN/A1/29/2015Q4 2014$0.48$0.41$8.89 billionViewN/A10/29/2014Q4$0.48$0.41$9.78 billion$10.00 billionViewN/A7/29/2014Q2$0.50$0.32$10.35 billion$10.56 billionViewN/A4/28/2014Q1 2014$1.43$11.62 billionViewN/A2/20/2014$0.47$0.64ViewN/A1/29/2014Q4$3.12$9.72 billionViewN/A10/29/2013$0.08$10.64 billionViewN/A7/30/2013$0.82$0.32$8.39 billion$8.22 billionViewN/A4/29/2013$1.08$1.71$9.16 billion$9.39 billionViewN/A1/31/2013$0.63$0.36$7.96 billion$7.87 billionViewN/A10/30/2012$0.51$0.78ViewN/A7/31/2012Q2 2012$0.83ViewN/A4/26/2012$1.75$1.44ViewN/A2/2/2012$0.59$0.15ViewN/A10/25/2011$0.48$0.74ViewN/A7/26/2011Q2 2011$1.78ViewN/A2/3/2011Q4 2010$1.07$0.87ViewN/A10/27/2010Q3 2010($2.43)ViewN/A7/27/2010Q2 2010$2.21$2.23ViewN/A4/26/2010Q1 2010$2.59$3.59ViewN/A2/7/2010Q4 2009$1.57$2.95ViewN/A10/29/2009Q3 2009$1.66$3.11ViewN/A7/28/2009Q2 2009$1.79$2.05ViewN/A7/31/2008Q2 2008$0.24$1.98ViewN/A2/7/2008Q4 2007$3.16$3.00ViewN/A(Earnings results data provided by Zacks Investment Research) Estimates Deutsche Bank (NYSE:DB) Earnings EstimatesCurrent Year EPS Consensus Estimate: $0.24 EPSNext Year EPS Consensus Estimate: $1.52 EPS Dividends Deutsche Bank (NYSE:DB) Dividend InformationMost Recent Dividend:5/23/2017Annual Dividend:$0.21Dividend Yield:1.08%Dividend Growth:-46.90% (3 Year Average)Payout Ratio:-35.00% (Trailing 12 Months of Earnings) 87.50% (Based on This Year's Estimates)13.82% (Based on Next Year's Estimates)Deutsche Bank (NYSE:DB) Dividend History by QuarterAnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date3/17/2017annual$0.201.06%5/19/20175/18/20175/23/20175/23/2014$1.025/23/20145/8/20145/23/2014(Data available from 1/1/2013 forward) Insider Trades Insider Trading History for Deutsche Bank (NYSE DB)No insider trades for this company have been tracked by MarketBeat.com Headlines Deutsche Bank (NYSE DB) News Headlines Source: All Sources Trusted Sources MarketBeat.com Bloomberg MarketWatch Motley Fool NASDAQ Reuters Seeking Alpha The Street The Wall Street Journal Yahoo Finance DateHeadlineUBS Group AG (UBS) Q4 Earnings Impress, Tax Expense Recordedwww.msn.com - January 22 at 3:44 PMWall Street Analysts' Views on Praxair ahead of 4Q17 Earningsfinance.yahoo.com - January 19 at 10:59 AMTrump's Fed Pick Powell Says He'd Hold Deutsche Bank Accountablefinance.yahoo.com - January 17 at 5:08 PMVale, Newmont downgraded at Deutsche Bank; steel outlook bullishseekingalpha.com - January 16 at 2:37 PMDeutsche Bank Is in Talks to Sell Indian Retail Unitfinance.yahoo.com - January 16 at 9:50 AMMetamako Provides Technology to Monitor Every Trade at Deutsche Börsewww.prnewswire.com - January 16 at 3:18 AMDeutsche Bank AG (DB) Receives Consensus Rating of "Hold" from Analystswww.americanbankingnews.com - January 16 at 1:38 AMDemocrats Ask Mnuchin to Weigh In on the Trump Family's Financesfinance.yahoo.com - January 10 at 5:01 PMBruised Deutsche Bank investors demand rapid results from Cryanfinance.yahoo.com - January 9 at 5:07 PMCritical Comparison: Deutsche Bank (DB) & Customers Bancorp (CUBI)www.americanbankingnews.com - January 9 at 8:00 AMDeutsche Bank Might Report Third Consecutive Loss in 2017 - Nasdaqwww.nasdaq.com - January 8 at 5:09 PMDeutsche Bank Tumbles to Two-Month Low as Investors Question CEO Cryan's Revamp - TheStreet.comwww.thestreet.com - January 8 at 5:09 PMDeutsche Bank (DB) Cut to Hold at HSBCwww.americanbankingnews.com - January 8 at 10:26 AMStocks Trade Lower as Global Rally Easeswww.thestreet.com - January 8 at 10:04 AMDeutsche Bank (DB) to Recognize EUR1.5 Billion Non-cash Tax Charge Due to US Rate Change - StreetInsider.comwww.streetinsider.com - January 7 at 5:23 PMDeutsche Bank (DB) to Recognize EUR1.5 Billion Non-cash Tax Charge Due to U.S. Rate Changewww.streetinsider.com - January 5 at 4:49 PMDeutsche Bank Expects To Take EUR 1.5 Bln Charge On U.S. Tax Reformwww.nasdaq.com - January 5 at 4:49 PMDeutsche Bank to post small 2017 loss on U.S. tax reform, weak marketsfinance.yahoo.com - January 5 at 4:49 PMDeutsche Bank Sees 22% Trading Slump as Low Volatility Persistsfinance.yahoo.com - January 5 at 4:49 PMDeutsche Bank Shares Slump After Warning on $1.8 Billion U.S. Tax Law Hitfinance.yahoo.com - January 5 at 4:49 PMDeutsche Bank to post third consecutive annual lossfinance.yahoo.com - January 5 at 4:49 PMDeutsche Bank AG (DB) Short Interest Down 12.3% in Decemberwww.americanbankingnews.com - January 3 at 4:04 AMFinancial Sector Update for 01/02/2018: NETE,SNH,DB - Nasdaqwww.nasdaq.com - January 2 at 6:09 PMHappy new year at Deutsche Bank - Seeking Alphaseekingalpha.com - January 2 at 9:44 AM5 big banks win Labor Department waivers to manage retirement planswww.marketwatch.com - December 29 at 4:57 PMDeutsche Bank (DB) and The Competition Critical Comparisonwww.americanbankingnews.com - December 29 at 3:28 AMCitigroup Reaffirms "Sell" Rating for Deutsche Bank (DB)www.americanbankingnews.com - December 24 at 1:52 PM[$$] China's HNA Group Turns to Prized Assets to Borrow Cashfinance.yahoo.com - December 22 at 8:24 PMDeutsche Bank AG (DB) Receives Average Recommendation of "Hold" from Analystswww.americanbankingnews.com - December 22 at 1:34 AMDeutsche Bank (DB) vs. The Competition Critical Comparisonwww.americanbankingnews.com - December 22 at 1:18 AMDeutsche Bank to cut up to 1,000 jobs in Postbank integrationfinance.yahoo.com - December 20 at 5:02 PMReviewing Deutsche Bank (DB) and The Competitionwww.americanbankingnews.com - December 20 at 1:08 AMETFs with exposure to Deutsche Bank AG : December 19, 2017finance.yahoo.com - December 19 at 5:03 PMChina's HNA Group Is Looking to Offload Billions in Overseas Property Amid Worries About Its Debtfinance.yahoo.com - December 19 at 9:51 AMLawsuit Quashed Over 'Hundreds of Millions' Hidden From Nazisfinance.yahoo.com - December 15 at 5:34 PMU.S. court dismisses $3 billion suit against Deutsche Bank by Jewish family heirsfinance.yahoo.com - December 15 at 5:34 PMDeutsche Bank has been asked for info on Flynn transactions: WSJfinance.yahoo.com - December 15 at 5:34 PMDeutsche Bank Had Flagged Manafort-Related Transactionsfinance.yahoo.com - December 15 at 10:18 AMHead-To-Head Analysis: Deutsche Bank (DB) versus Its Rivalswww.americanbankingnews.com - December 15 at 9:14 AMDeutsche Bank's Stock Looks Like it is Breaking Out Big Timefinance.yahoo.com - December 14 at 9:57 AMDeutsche Bank Raises Prime Lending Rate to 4.50%finance.yahoo.com - December 14 at 9:57 AMFed Raises Interest Rates, Builds Momentum For More Hikes in 2018 - TheStreet.comwww.thestreet.com - December 13 at 5:12 PMFed's Quarter-Point Rate Hike Wednesday to Cost Consumers, Raise Recession Risk - TheStreet.comwww.thestreet.com - December 12 at 5:27 PMUBS Reaffirms Neutral Rating for Deutsche Bank (DB)www.americanbankingnews.com - December 11 at 6:40 AMBloomberg corrects Trump subpoena story - Seeking Alphaseekingalpha.com - December 9 at 9:49 AMDeutsche Bank can cope with Basel III outcome: CFO in paperfinance.yahoo.com - December 8 at 4:58 PMDZ Bank Reaffirms Buy Rating for Deutsche Bank (DB)www.americanbankingnews.com - December 7 at 5:40 PMDeutsche Bank Subpoenaed in Mueller Probe Into Trump Ties With Russia - Reports - TheStreet.comwww.thestreet.com - December 6 at 5:05 PMMueller Subpoenas Deutsche Bank Records Related to Trump - Wall Street Journalwww.wsj.com - December 6 at 5:05 PMDeutsche Bank Finally Breaks Out - Can It Hold? - Seeking Alphaseekingalpha.com - December 6 at 5:05 PM SEC Filings Deutsche Bank (NYSE:DB) SEC Filings This page is loading this company's SEC Filings. Please wait... Social Media Financials Financials are not available for this stock. Chart Deutsche Bank (NYSE DB) Stock Chart for Tuesday, January, 23, 2018Loading chart… This page was last updated on 1/23/2018 by MarketBeat.com Staff


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I cannot believe the school year has come to an end, it seems just like yesterday when we started. While calendar school year is over, Gillian will still be doing Math this Summer. She has a love hate relationship with it, and she needs to find more love for it.
Hopefully, with focusing just on Math, she will get a better hang of things. I remember when I was in school the Math they're doing now wasn't until 8th grade. It seems they're teaching kids the stuff at younger and younger grades. Even when we did a little bit in public schools, the school system wanted them to know pretty much everything before entering kindergarten.
Once Gillian catches on to all the different types of math problems I know she will catch on pretty fast, or when she decides she doesn't want to do math during Summer break!
Do you homeschool? What subject is your child's least favorite? Gillian loves Science, but dislikes Math.


text: I want to get my flash cart ASAP.. and wanted to buy from discoazul.co.uk just wondering if anyone dealt with them? and how their experience was? I emailed them 2 days back, no reply, their live chat does not connect to anyone.. also i tried calling them many times today and everytime i get an automated answer that all our lines are busy, please call later also seeing my budget and requirements I think this card will be best for me: http://discoazul.co.uk/r4-ds-microsd-engli...crosd-2-gb.html but i dont want to end up with a brick that doesnt work with my ds.. I have teh Nintendo DS Lite and will be playing games on it only, no readers movies, music etc. so I was wondering if the card above will work for me and if its compatible with wood r4 (which i guess is the best firmware) Thnak you


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The Best Skincare Products for Summer
by Jordan Davis
Summer sunshine gets a bad rep for plenty of good reasons. Beyond the burn, there are the early aging effects of UV radiation (known as photo-aging) and the changes in skin color and texture that some of us experience whenever the mercury rises.
For a lucky few, the summer months also bring a break from winter's dry, itchy skin and a clearer complexion thanks to the increased humidity, no product required. But for the rest of us – especially those with challenging combination skin – summer's arrival simply means we're trying to tackle a different set of skincare issues.
Remember that prevention should be the number one focus of your summer skincare regimen no matter what your skin type. It's always better to avoid burns and dehydration than to treat them after the fact. So whether you have dry skin, oily skin or something in between, always wear an everyday antioxidant moisturizer that includes full spectrum UVA/UVB protection.
That said, caring for your skin should be about more than just sun protection! Here are some of the best warm-weather skincare tips that will help you love the skin you're in all summer long.
Combo Skin? Think Light
If dry spots mean you slather on the thick stuff from fall until spring, you may find yourself breaking out in your oily spots like crazy come summer. As soon as the humidity starts to rise, switch to an oil-free, non-comedogenic moisturizer that won't clog pores and cause breakouts. Look for lightweight creams with ingredients like calming aloe and gentle algae extracts that keep dry skin healthy and won't make oily zones feel slick.
Botanicals for Sensitive Skin
Organic aloe and lavender extracts can soothe and repair sensitive skin that is prone to changes in texture or color, but you may find that even products that claim to be gentle still irritate. In that case, it's a simple matter go au naturel and make your own using aloe, almond oil, jojoba oil and vegetable glycerin. But if you don't have time to DIY a good rule of thumb is to look for products with the fewest ingredients and avoid added fragrances at all costs.
Treat Oily Skin with Weekly Masks
A once-a-week clay-based oil absorbing mask can do wonders for skin and a balancing toner will help you keep warm weather breakouts from becoming a daily occurrence. When breakouts do occur, wash with a cleanser containing 2% salicylic acid – it will break down oils without drying out skin (which annoyingly can lead to even more breakouts).
Treat Dry Skin Gently, Too
A lot of people don't realize that treating chronically dry skin means more than loading up on moisturizer. While summer humidity can be a break from itchiness and flaking, that's not always the case because so many products strip away skin's natural moisture. Start each day out right with a natural fragrance-free soap and then moisturize with plain coconut oil. Contrary to popular belief moisturizing with oil won't make your face or body feel oily, even in humid weather.
Don't Forget Your Lips
How many of us neglect our lips when thinking about summer skincare? Whatever your skin type, never forget that lips can get not just chapped but also painfully sun burnt when not protected. A tinted lip balm with broad spectrum sun protection, worn daily, will keep your kisser looking beautiful now and in the future.
Hydration for All
On the hottest days, the summer sun can dry out your skin even if you've been doing laps and drinking your eight glasses. A quick mist of spring water can do wonders in between applications of moisturizing sunscreen but don't think of outside-in refreshment as a luxury – a spritzer filled with chilled water is all it takes.
In case you were worried, the effectiveness of your summer skincare products more than likely won't be impacted by the season's high temps. Even if you accidentally leave your sunscreen in a hot car or your favorite lotion in beach bag in full strength sunshine for hours, there's no need to toss a mostly full bottle just in case.
And if you want more information about how to care for your unique skin type this summer, there are so many helpful skincare resources out, from GOOP (for trend hunters) to The Beauty Brains (for the info junkies) to Amway's blog (for everything else). There's a perfect product for every type of summertime skin – finding yours will be worth the time it takes!


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The starlet, who infamously fell at the Oscars in 2013 while going to accept her award and in 2014 as she was walking onto the Academy Awards red carpet, lost her balance while climbing stairs to the stage. Luckily, an assistant quickly steadied her before she actually hit the ground this time.
The 23-year-old actress recently denied that she keeps stumbling on purpose during an interview with Marie Claire. "But trust me, if I was going to plan it, I would have done it at the Golden Globes or SAGs. I would have never done it at two Oscars in a row. I watch Homeland - I'm craftier than that!" she told the mag.
See Jen in all her blue body painted glory as Mystique when the latest X-Men movie opens on May 23.
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Gallery | Jennifer Lawrence: Red Carpet Style!


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I can distinctly remember being in my grade four classroom and sitting directly beside the window. Our school was very close to a fire and ambulance station, and every now and again the sirens would blare and an ambulance would zip by. I would look at the clock determined that any minute the office would be calling me down because my mother had died and I needed to go home. That fear for me was so raw and so very real. It was a few moments of debilitating, heart racing terror that the worst had happened. I was a child who struggled with separation anxiety, social anxiety and an extreme fear of death. Even now, 30 odd years later, when I hear from parents about children's very real fear of death I understand how overwhelming that feeling can be.
Younger Children and the Fear of Death
Fear of death, otherwise known as thanatophobia, is a very real feeling/fear. It occurs in every culture, in every walk of life, and at any age. Young children fear studies are categorized into five different sections and the fear of death falls under death and danger. We expect our children to be happy and carefree. The last thing they need to worry about is dying–themselves or their loved ones. The world today is such a very different place and it is no doubt that a very real fear is brewing with many children.
Studies have shown that children as young as four exhibit signs of thanatophobia. In younger children the experts use what is called the Koala Fear Questionnaire (KFQ). The KFQ is a pictorial form of survey so that young children can understand the questions. Can you imagine – children as young as four are in fact fearful of death? That is a huge burden for such a young mind.
Why is Death Difficult to Understand?
Death is a very difficult thing to understand for children. Their young minds are trying so hard to understand a very overwhelming world. Children lack the experience and the knowledge needed to perceive the world in a rationale way. Young children also lack the concept of time, so in their minds when a child's parent leaves the room there is an absence and the parent is gone, so they are dead.
What Happens When your Child is Fearful of Death?
- School Refusal – they are worried that mom or dad or caregiver will die while they are absent
- Sleep Refusal – they are worried that something will happen to someone in the middle of the night
- Separation Anxiety – they are worried that if mom or dad leaves the room they will die
Why Do Children Become so Fearful of Death?
For anxious children who have a tendency to worry about everything around them, it is understandable how their minds would race towards the worst case scenario – death. Environmental exposure is another way that the fear is exacerbated, whether by a traumatic personal event (death in the family), seeing a traumatic event either in real life or on television/video game, or an illness experienced by a close family member or loved one.
It is common for young children to start to understand and question death. The way we address their fears will determine the child's ability to cope. As children mature they will come to understand the concept and permanency of dying.
A study of 90 children, aged 4–8, conducted by Virginia Slaughter and Maya Griffiths showed that a more mature understanding of the biological concept of death was correlated to a decreased fear of death. This indicates that it is helpful to teach children about death (in a biological sense), in order to alleviate the fear.
Tips to Remember When Addressing the Fear of Death
- The feeling of fear is very real – never tell the child that their feelings are silly or unfounded.
- If your child has verbalized it then there is something that needs to be addressed. Child led conversations will allow for the child to understand death and put it into a perspective that the child can relate to.
- Remember kids are their own little monitors, they ask for information when they are ready to receive it. Don't bombard them with too much all at once.
- If the fear is impacting everyday life or has continued for more than six months, get some help.
- Focus on the positives. Death is a fact of life. There is nothing positive about worrying or obsessing about when it might happen.
- Shift the conversation around to the here and now and put the focus on things that are happening right now that are fantastic. Life is full of wonder and magic.
Slaughter, V. & Griffiths, M. (2007). Death Understanding and Fear of Death in Young Children. Clinical Child Psychology and Psychiatry. 12 (4) pg 525-535, http://en.wikipedia.org/wiki/Death_anxiety_(psychology)


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MYRTLE BEACH, SC (WBTW) – Thousands of drivers in the Carolina's are hitting the road to meet friends and family for Easter weekend; and they'll also be greeted by higher prices at the pump.
Gas prices are on the rise nationwide, in fact we're seeing the highest prices in last 19 months. The good news is South Carolina's are the lowest in the country; the bad news is you can expect pump prices to keep going up.
"$2.30 is definitely a possibility. We've seen prices go up anywhere from 5 to 10 cents overnight," said AAA spokesperson Tiffany Wright.
Right now the average gallon of gas is $2.14 in South Carolina which is up from last week, last month, and 25 cents higher than last year; and AAA says get used to paying more at the pump.
April kicks off the switch over to more expensive summer-blend gasoline and more drivers are hitting the road as temperatures rise.
"It's safe to say that, yes, we are on the upward trend," said Wright, who added that it's the amount of drivers fueling up, that will determine how far that trend continues.
"If we're hitting the road more than ever this summer, these coming weeks, even this holiday weekend, that's going to dictate how high we're going to go, it's a supply and demand deal," explained Wright.
Todd Scherow, assistant manager at Turtle Market, says the rising prices haven't put a damper on demand, especially with Easter around the corner.
"Past couple days people been coming in filling up campers, boats, cars, vans," said Wright.
Though to cut down on costs, he says some drivers save up on fuels perks when a trip is on the horizon.
"During the holidays a lot as well, they'll try to save them up depending on when they shop they'll try to save them up before they go on vacation or they travel. We have people that come in here and get 20 gallons of gas for 30 cents," said Scherow.
AAA says the price of gas has a major impact on the amount of travelers hitting the road, which can then have an impact on tourist destinations like the Grand Strand; so count on News13 to keep you covered.


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Category Archives: Interviews
Interview with J.M. Kelley, author of Drew In Blue
Posted on December 8, 2010 by Mik Wilkens
J.M Kelley is another of my fellow LazyDay Publishing authors. Her novel Drew In Blue is a contemporary love story set in the fictional Appalachian town of River's View, Pennsylvania, and filled with quirky characters that pay homage to the real-life characters … Continue reading →
Posted in Author, Interviews | Tagged Author Interviews, Books, Fiction, Novel, Publishing, Writing | 3 Comments
Interview with Jack Hessey
Posted on December 3, 2010 by Mik Wilkens
Jack Hessey is one of my fellow LazyDay Publishing authors. He is the author of Steam Queen, a steampunk novel, and On Angels Wings, a young adult fantasy novel. I recently interviewed him about his books and his writing. Welcome, Jack. Why don't … Continue reading →
Posted in Author, Interviews | Tagged Author Interviews, Books, Fiction, Novel, Publishing, Writing | 1 Comment
Interview with Thomas Drinkard, author of Piety and Murder
Posted on November 24, 2010 by Mik Wilkens
If you read this blog regularly, you know that my fantasy novel The Silver Cage was released on December 1, 2010. But mine wasn't the only book released that day. A number of other novels were released as part of … Continue reading →
Posted in Author, Interviews | Tagged Author Interviews, Books, Fiction, Novel, Writing | Leave a comment


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In this sneak peek for the second half of the season, which returns on June 8, it looks like the show will be taking a turn for the better.
As with the Christmas special, we get to see some fun throwback clips of the famous fam, which is crazy to see. Even just look at how much Kendall and Kylie Jenner have changed since the show started is pretty shocking in and of itself.
Fortunately, it looks like the family is putting the painful stuff from the past behind them and is ready to move on and make better memories. Of course, they're taking the cameras and us along for the ride, so we won't miss a moment of the chaos that constantly surrounds the family.
In the sneak peek, it says "this year has been the best and the worst year." Since we already saw the worst, we can't wait to see the best. Will you be watching KUWTK when it comes back in June?
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Gallery | Best Kardashian/Jenner Throwback Photos


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Hi, I can't seem to get service locator type registering working at site collection level. I am using latest download from
First, basic question: we would like to use service locator also in sandbox and in multiple-vendor environments, so we are trying to register types at site collection level instead of farm (to avoid sandboxing issue and to avoid possible mixups when several
vendors are using SPG in the farm). Should using service locator in sandbox be possible this way?
Second, the actual issue. I have a site collection scoped feature, where I try to register the types at site collection level. I get no errors and I can see typemappings added to the collection.
However when I later come back to retrieve instance, my registered type is not there.
Should this work in this build?
Code I try to use for registering our ICustomCache interface in FeatureActivated:
IServiceLocator serviceLocator = SharePointServiceLocator.GetCurrent();
IServiceLocatorConfig config = serviceLocator.GetInstance<IServiceLocatorConfig>();
config.Site = siteColl;
config.RegisterTypeMapping<ICustomCache, CustomCache>();
Code I try to use to get instance of ICustomCache (but at this point mapping does not exist in typeMappingsDictionary):
IServiceLocator loc = SharePointServiceLocator.GetCurrent();
ICustomCache cache = loc.GetInstance();
If I change my feature scope to Farm instead of Site, and my feature event to FeatureInstalled instead of FeatureActivated, and remove use of config.Site, then it works. But I would prefer the site collection option.
Update: got this working now at site collection level by adding this line to the type registration code in the feature receiver:
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Singapore Airlines CEO Choon Phong, in the company's monthly magazine, said the carrier needs to find "new ways" to conduct business in the current challenging operating environment. According to Singapore Business Times, he added, "It cannot be business as usual, and I cannot stress that point enough. We must venture outside our comfort zone, and find new ways to conduct our sales and marketing, reduce expenditure, and improve productivity and operational efficiency."
23-Jan-2013 1:00 PM


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LINCOLN, Maine (NEWS CENTER) -- Teaching positions in industrial arts and home economics are currently some of the hardest to fill, mainly because the certification programs no longer exist in Maine and many other states.
In order to become an industrial arts teacher you must have a 700 certification -- something that hasn't been offered at Maine universities for almost a decade. The University of Maine at Farmington was one of the only colleges that offered a home economics teaching major -- that hasn't existed since the 1980's. This is concerning for those teachers that are soon to retire, especially when there is talk of creating legislation that would require these two subjects for graduation.
"There's no pool of teachers out there any longer" Henry Pietras said. Pietras is the principal and former shop teacher at Mattawancook Academy. "Making that a requirement for students to have in school is a noble idea, a great idea, and I'm all supportive of it, but I think its maybe a little cart before the horse on this one".
Cost is also a concern surrounding LD 412, the bill that proposes home ec and shop classes being a graduation requirement for Maine students. Many schools have gotten rid of their workspace and equipment. Bringing those resources back would be a financial burden to the schools and Maine taxpayers. Pietras feels there is a way to incorporate those basic skills back into their curriculum, they just need to get creative.


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So impressed that you make your own crust! I'm going to pin your recipe so I can try it. 🙂 I don't eat prosciutto (or any meat) but I'm sure I could make a delicious adaptation!
this sounds really delicious! I love me some prosciutto and melon. 🙂 I like to make little pizzas as a quick meal using naan as the crust – simple, easy, and oh so tasty.
That looks so good!
YUM! It tasted SOOO amazing! You rocked mine and Stella's socks off.
Side note: Love her sweet little melon face. I'm a blessed Momma.
P.S. I absolutely adore your bike photo. You're so stinkin' cute!
I saw this recipe the other day while watching Giada…looks like some similar flavors you might like to try!
Be still my beating heart……I NEED summer to hurry up and arrive so I can make this…..yummy!!!
I pray you and Cam will have a blessed weekend.
arugula is actually one of my favorite pizza toppings ever! this looks amazing!
you had me at pizza.
And look at you little West Coast girl rocking the jorts 🙂
miss you!! ~ lanneybear
I really like your blog…your photos are beautiful and your travels remind me of my own. This is well done and I hope you get the readership you want. But can I offer some constructive criticism?
Some of your comments, for me anyway, get a little…almost offensive. One of your guest bloggers commented on how she was in a grad school program and everyone was male and Asian, so that was her cue to leave. That comment is…narrow-minded on several levels. Also, I know a lot of Americans might identify places like Chillis as American food, but for me–an American who has never eaten at places like that–American food is sushi, hummus, salsa, tahini, bagels and lox…American food is everything. That's the beauty of America: it's not a place for just white people who eat hamburgers. Americans ARE Asians too; so is raw fish, California rolls, carne asada, and so on.
I'm not trying to flame you or embarrass you on your blog. I just wanted to say, I'd love to see your definition of American be a little less limited–especially if you want to appeal to a broad audience.
Regardless, this is beautiful work so good luck!
Dear Anonymous,
Thank you so much for reading and for your kind words, let alone being willing to offer constructive criticism. I truly appreciate your time and thoughts.
I apologize that you have felt offended before. That of course is NEVER my intention.
In regards to Chili's, I'm not really sure how else I would describe it other than American?: it originated in America, serving food originated in America. Likewise, I wouldn't actually call sushi "American" because it originated in Japan, even though we have made parts of it like California Rolls, our own. If I called sushi "American" can you imagine what my Japanese friends here would say? They'd laugh at me!
You're absolutely right, one of the wonderful things about the States is that it embraces every culture and cuisine; being the daughter of immigrants, it's especially wonderful to me. But just because we have every culture's food in our country, doesn't make it in and of itself American. Wouldn't you agree? I think my Bosnian Grandmother would be offended if her amazing Boz dishes were called so! (:
I'm not so paralyzed by political correctness that I spend hours dwelling on how to characterize food, so again, I apologize that you felt offended. As for my guest poster, I gave her free range with her post, so you'd have to talk to the lovely Katie about her comments. (:
Thank you so much again for your time and thoughts.
Dear Anonymous,
I am the one who wrote the guest post, in which I mentioned that all the men in my grad school program were married, male and Asian. I am extremely sorry that this comment has offended you.
My intention in writing this comment was to denote that all these great men in my program were extremely experienced in teaching English, most of them having taught multiple years at an English Institution around the world, and were a lot more advanced in their career than I. Seeing the experience in which these men had, coupled with their intelligence, made me realize I wanted to gain some teaching experience before I entered a grad school program. These men inspired me (and encouraged me, as I became friends with them) , which is why I left the program and decided to go get some experience of my own in Thailand.
A large majority of my friends from college are Asian, and I have nothing but love and respect for them! In fact, I never even think about the fact that they are Asian, because that has never mattered to me in terms of friendship. My husband and I live in a neighborhood that is filled with immigrants from central and south america, and not only are they are closest friends, they are like family. I have lived in Africa, Europe and Asia, and have absolutely enjoyed my experiences soaking up the culture, and learning from my dear friends.
Please accept my deepest apologies. I hope I have shed some light on this comment. Please email me if you have any other comments or questions! Have a wonderful day!
love Katie
Hey girl. So sorry about that anon. commenter – Don't take it to heart. That's the not-so-fun part of being a blogger, isn't it? Here's a (((hug))) in case you need one 🙂 — I loved the idea for this pizza! My husband is having a new-found love affair with arugula, so I'll bet he'd fall for this combo! I love the thought of serving melon alongside too… Could there be a more summery meal?? I think not.
So… where'd you get your top? 🙂 Let's be honest.. the pizza looks great, but lace top + amazing. Muahaha.
Delicious, adorable, gorgeous…oh the adjectives that come to mind! This is just lovely (see there goes another one), so glad you're making the most of it all! Also what doesn't prosciutto go well with? Nothing, that's what.
Hello. I got so inspired by this pizza that i made it last night, except I added some tomato sauce. It was so good I wanted to cry 🙂
I love your blog. It's so pretty and picturesque and yummy xx
i honestly want to live inside your blog.
ps your response to anon was perfection.
Vegetables, like fruits, are low in fat but contain good amounts of vitamins and minerals. All the Green-Yellow-Orange vegetables are rich sources of calcium, magnesium, potassium, iron, beta-carotene, vitamin B-complex, vitamin-C, vitamin A, and vitamin K.You would be hard-pressed to find a vegetable that is not a healthy food. The USDA recommends that adults eat 2 to 3 cups of vegetables per day. Eating these vegetables raw can help preserve the vitamin content — especially easily degraded vitamins like vitamin C. Antabuse online
It almost looks like a flattened taco with all those greens. Still, if it's flavor is as good as you say it is, then it will be worth suggesting as an addition to our corporate catering menu.
Suddenly I'm getting the crazy idea of topping that off with some curry powder or sauce. What can I say? I like experimenting in the kitchen.
what a interesting article, however, I still do not believe the similarities between the two . Thanks for bringing this article,
how can i get pregnant l Find me Lover
Not a bad take on the whole idea of a pizza. What amuses me the most its size. If I'm not mistaken, this is actually small enough to be appropriate addition to the menu of any finger food catering sydney company.
Arugula in pizza reminds me of the Dear Darla pizza of Yellow Cab. Ever since my mother started using colon cleanse products from Australia, we minimized our meat consumption, so whenever we crave for pizza, we only order Dear Darla. But since you came up with this pizza, I might as well just bake it at home. Thanks!
I baked four of these and did a survey on those who tasted it. Everyone gave a positive feedback! Thanks so much for the recipe! – Jean Raizel
I'll try this one after my kitchen cleaning services. It feels better to cook in a clean environment, specially when you know you're cooking a healthy meal! Thanks for this recipe! – Misty F.


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This is a fantastic flat iron! Works well at any temp and any hair type. I use highest setting for my thick long hair. Warms up fast. 450 degrees. Buy it!
Ah the hair straightener, a wonderful tool which can straighten, curl- believe it or not!- and crimp your hair, all with the flick of the wrist. I have had my Paul Brown straightener since 2005, and it works just as well, if not better today as it did the first day I had it. Over the years I've had plenty of time to perfect my straightening skills, I have naturally curly hair, and it's really hard to manage-unless its straight. The Paul brown straightener is a 1" ceramic, and will heat up to 450 degrees. It transforms your hair almost instantly, from the tightest curl to the straightest and smoothest of hair. I have used it when my hair is damp, although I don't recommend doing that, as I found it dried out my hair too much. I've used it to curl, and put waves in my hair. The price varies depending on where you go. You should be able to get it at most hair salons, and it's about $120-$190. For the price, it does an amazing job, and I would recommend it to any one who asked my opinion. Your straightener should come with a warranty as well, which is always a bonus. Give it a try, I'm sure you will love your's as much as I love mine.
These reviews are the subjective opinions of ChickAdvisor members and not of ChickAdvisor Inc.


text: Hi Everyone, I've had a search through various sites and can't find any mention of the problem I'm having. I have a copy of The Dog Island (as well as the original disc) When I load the copy it goes so far, begins the game, allows you to name your dog, cuts to a scene where you see your dog and it's family, then comes up with a black screen and says its a Disc Read Error. I have tried the original disc and it works fine. I'm running a UK modded Wii with Wiikey (with latest software update) Anyone else having the same issue? I know I'm probably not missing much as it's probably a terrible game, but if I want to find out if it's my wiikey at fault, or if all wiikeys have the same issue. Cheers Baz


text: Imagine how different the world would be if more people experienced joy and felt good in their bodies… You are what you eat. Actions speak louder than words. Your thoughts determine your reality. We accept these notions as universal truths, yet we frantically scarf down fast food in […] Be the joy you wish to see in the world9 Mar, 2017 in Body Love by Brandy Oswald


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Discussion in 'Social Networking Sites' started by moe212, Oct 21, 2014.
Ask fm account with +165k Likes ! any idea to earn money ?
Joined just now to sell his "Don't have but claiming that I have" ask.fm account.
am a disappoint.....
i cant sell it cuz it's personal account :hmmmm2:
http://***.fm/moe212 Urgh!!
Try on fiverr
Separate names with a comma.


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What is Depreciation?

Depreciation is defined as the value of a business asset over its useful life. How depreciation is calculated determines how much of a depreciation deduction you can take in any one year, so it is important to understand the methods of calculating depreciation.

Here's what happens to an asset over time: Let's say you purchased a piece of computer equipment for your business at a cost of $1000. The average computer lasts 10 years, so it decreases in value 10% each year.

It's important to remember that depreciation is just an accounting mechanism to show the expense of using an asset over time. It doesn't have anything to do with how you purchased the item or its real physical condition.

Most business assets are depreciated, because they decrease in value over time, either through use or through obsolescence. When an asset becomes obsolete, it may be from technology passing it by or from physical wear and tear.

Land, however, is not depreciated because it does not decrease in value. Some assets have a residual or salvage value at the end of their useful life. This value is not included in the depreciation calculation.

How Is Depreciation Calculated?

The information needed for calculating depreciation on an asset is:

The useful life of the asset. This information is available in tables, based on the type of asset. You will probably need an accountant to tell you the useful life of a specific asset.

Less the salvage value of the asset at the end of its useful life. Like the useful life, the salvage value is determined by a table.

Divided by the cost of the asset. The cost of the asset includes all costs for acquiring the asset, like transportation, set-up, and training.

The resulting value is called the book value of the asset.

For example, the annual depreciation on a machine with a useful life of 20 years, a salvage value of $1000 and a cost of $50,000 is $2450 (($50,000-$1,000)/20).

For accounting and tax purposes, the asset must be placed in service (set up and used) in the first year that depreciation is calculated.

If an asset is purchased in the middle of the year, the annual depreciation expense is divided by the number of months in that year since the purchase. For example, if the asset above was purchased in August, the first year depreciation would be $1021.84 ($2450/12 x 5). Then, the final year's depreciation would be $1429.68 ($2450/12 x 7).

What Happens When the Asset Reaches its Useful life?

When an asset has been fully depreciated, it is considered to be "off the books" of the company. That doesn't mean the asset isn't still useful, but only that the company cannot take any more depreciation expense on that item. If the item has a salvage value, that value stays on the books until the item is sold or scrapped.

What are the Different Ways to Calculate Depreciation?

There are several methods used to calculate depreciation. The method described above is called "straight-line" depreciation, in which the amount of of the deduction for depreciation is the same for each year of the life of the asset.

Here are the other two common ways to calculate depreciation:

Double Declining Balance
This method includes an "accelerator," so the asset depreciates more in the beginning of its useful life. This depreciation method is used with cars, for example. You know that a new car depreciates more than an older one.

Sum of the Years' Digits
In this method, the number of years in the useful life are summed. For example, if an asset had a useful life of 6 years, the digits would be added: 6+5+4+3+2+1=21. Then annual depreciation would be determined as follows:

Year 1 = 6/21 = 28.6% times the cost (or cost less salvage)

Year 2 = 5/21 = 23.8%

Year 3 = 4/21 = 19%

Year 4 = 3/21 = 14.3%

Year 5 = 2/21 = 9.5%

Year 6 = 1/21 = 4.8%

Accelerated Depreciation

Favorable tax plans are available to speed up the depreciation process so you can get more tax deductions faster. These plans come two forms:

A tax deduction, called a Section 179 deduction, for purchase of business vehicles and equipment.

Bonus depreciation for purchase of new business vehicles and equipment.

Both of these accelerated depreciation features come with limits and qualifications, so check with your tax professional to see if you qualify. You can also read more about accelerated depreciation in general before you proceed.

How Do I Figure the Useful Life and Salvage Value of an Asset?

The IRS has classifications of assets and has calculated useful life on these classes. You can find a listing of the asset classes in IRS publication 946, or your CPA can help you to find these values and to calculate depreciation on your business assets.

Is Amortization the Same as Depreciation?

Amortization is used for intangible assets, like intellectual property (copyrights, trademarks, patents). The amortization process differs from the depreciation process.

Read more about How Depreciation Benefits Your Business

Back to All About Depreciation


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Wessex FM News
Cash Boost for Weymouth Armed Forces Day Parade
1:02pm 15th May 2013
10 thousand pounds has been awarded to Weymouth and Portland to celebrate the achievements of our men and women in the military.
The funding grant comes from the Ministry of Defence to support the Borough's 2 days of celebrations on the 22nd and 23rd of June.
Armed Forces Day is an annual event to honour those past and present who've served in the military.
Festival highlights will include a service of remembrance, a seafront parade recognising the 70th Anniversary of the Battle of the Atlantic, beach assault, military vehicle convoy from Weymouth Esplanade to Castletown on Portland, a flypast by a Lancaster plane and marching and performing bands.
Cllr Michael Goodman, Weymouth & Portland Borough Council Management Committee Chairman, said: "This is fantastic news for the borough, a resounding success for the organising team, local veterans and the borough council and I would like to thank the Ministry of Defence for their kind and generous donation.
"There has been a considerable amount of work and commitment behind the scenes and once again the borough's fabulous ability to attract funding and deliver top class events has been truly recognised."
Weymouth and Portland Armed Forces Celebrations 2013 which is organised by the borough council with support from veterans associations will welcome veterans, residents and visitors to a packed programme of military and veterans commemorations and celebrations
Sign up for the latest local news direct to your inbox


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It is quite easy to always want to accomplish things according to our own timeline. We make our schedules and plans but do we always seek God and wait on his timeline. I could tell many stories of the times I sought to do things according to a timeline I thought was wise and things ended up not working out how I wanted.
This is because as much as I wanted to carry out my plans without seeking God's guidance first, he always had a greater purpose for me and his purpose for my life would be accomplished, despite my ill-advised interferences.
Most of the times how we think our situations should work out is not how they eventually do. We sometimes want to rush to accomplish things because we look at the journey of others and think we should be where they are too. I have made many plans which didn't happen because I didn't seek to understand if I was following God's timing. I have made the mistake enough times now to know a few things about God's timing.
God's Timing is Perfect
His timing is perfect because he knows what is to come and what has already been for you. He sees your situation outside of the time limits that you use to assess them. He sees them from an eternal perspective, while we view them from a perspective of life on this earth only. I love how this verse describes God's knowledge of our times. From one man he made all the nations, that they should inhabit the whole earth; and he marked out their appointed times in history and the boundaries of their lands (Luke 17:26). Because of his knowledge and his love for us we can rely on his timing even when it doesn't make sense to us or anyone else.
Our Insight is Limited to What God Reveals To Us
What we see is an incomplete picture as Corinthians 13:12 tells us, " Now we see things imperfectly, like puzzling reflections in a mirror, but then we will see everything with perfect clarity. All that I know now is partial and incomplete, but then I will know everything completely, just as God knows me completely.
We are never in full possession of God's entire plan but we can be confident in what he reveals to us and work from that until the next steps are revealed. As I was recently studying the book of Acts, I noticed that the Apostles relied fully on the Holy Spirit for direction about everything they did. They did not seek to do things according to their own timeline but they waited and worked in partnership with the Holy Spirit.
Our Timing Leads to Missed Opportunities
Sometimes we miss out on opportunities because we are not in tune with what God is doing in a particular season.There is a time for everything and a season for every activity under the heavens (Ecc. 3:1). How true are these words? The writer of Ecclesiastics wanted us to know that life is made up of different phases. What we are experiencing now will eventually change, so we should live in awareness and focus on to the right opportunity for each season.
It is for us to partner with God during each season and not miss what he is doing. We will often save ourselves time and pain if we do this. When we understand what he is doing in each season of our lives we can take advantage of the right opportunities.
His Timing Gives us The Best Results
We get the best results because we are in alignment with the one who knows what is best for us. Sometimes "There is a way that appears to be right, but in the end, it leads to death" (Proverbs 14:12). When we follow God's word we walk into the best path for our lives. It is as with Eve when she was deceived by the serpent into thinking that eating the fruit would have given her a good result but in the end led to death.
God's timing may seem to be taking a while but continue to wait on him. Maybe God is teaching you patience for the next season of your life. If you ignore his timing and rush into what you feel you should be doing then you will miss out on the important lesson he is teaching you.
You may also like: Waiting on God and Thriving While Waiting


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Why Are We So Fat?
I saw an article with this title on Facebook and a hundred people fighting in the comments, so I ignored that child's play and wrote a post about it.
I think we already know why we are so fat. We are definitely eating more and moving less than 30 years ago. It's a complex topic, and we are better off asking, "Why are we eating more and moving less?"
The most common responses to this question miss the point. If yelling at people to "eat less, move more" actually worked, then we wouldn't be where we are right now. If you want to know why we're overweight, you need to understand the real challenges:
A) Explaining complex topics to a population that isn't too interested in learning is unproductive. Maybe this is a 'human nature' problem in that people want simplified, effortless answers?
B) People don't apply the solutions that are already known to work. Can't the same be said for religion & politics?
C) We eat about 500 calories per day more than we did 30 years ago. Despite the hype, 'carbs and sugars' are not the only foods we are eating more of. We eat more:
- Grains (especially refined grain products)
- Added fats & oils like butter on bread; shortening & oils in commercial fast foods (fried foods, high fat snack foods, sweet baked goods, cookies, pastries); salad dressings; cooking oils; margarine; mayonnaise.
- Added sugars – We have a love/hate relationship with sugar, but as obesity increased, sugar consumption did not rise at the same rate. Yes, added sugars are on the list, but still less than the previous items.
- We eat out more often and at home less. When we eat out, we eat higher calorie foods or more total food.
- We want to blame the government, because well, our government is a joke. Government recommendations aren't that terrible, but people are not following government recommendations. We eat more refined foods than they recommend, and we eat less fruits and vegetables than they suggest.
D) There are systemic social issues:
- Hyperpalatable food is cheap and it's everywhere. For $1.99 you can get a whole meal at Burger King, or a single apple at Whole Foods.
- Inequality and food access are very real and growing problems. most of the 'health conscious' community is so far removed from these realities that they don't even know how to address it. Diet Gurus fancy themselves experts and write up manifestos to tell the world how to eat, while having no idea how the rest of the world actually lives.
- Priorities other than looking skinny: a single mother working two jobs, with two kids, for example, probably doesn't have time to go to a health club or Whole Foods, or come home and cook a nourishing meal for her whole family. This is of course assuming there is a Whole Foods in her area, which there probably isn't, which wouldn't matter because it's prohibitively expensive anyway.
- Some people don't have access to parks and recreation. I stayed with a friend in NJ for a week and didn't walk anywhere. There are no sidewalks. None. Living in NYC, I walk all over the place and climb stairs – this is a normal, everyday thing. You simply can't do this in some towns.
- We devalue play and physical education. We either push kids too hard, to play too many sports all year long (resulting in injuries and teen athlete burnout), or more often we have schools eliminating PE and play time.
E) Epigenetics (those 9 months you spent in your mother's womb) influences our current health. Genetics are involved in anywhere from 30-70% of someone's susceptibility to obesity.
F) I haven't even mentioned society's penchant for convenience or how we all have desk jobs, then drive home to sit on a couch for hours. Seriously though, obesity is complex: http://www.shiftn.com/obesity/Full-Map.html
Yelling at someone to "eat less and move more" or calling overweight people "stupid" – as we see on Facebook everyday – doesn't make sense and doesn't work.
G) Dieting – ask an overweight person you know how many diets they've done. Chronic dieting leads to long-term weight gain. You can blame overweight people all you want, but until you address the people that are spreading low calorie diets, nothing will change. The Biggest Loser guy promotes a 1,300 calorie diet, which is roughly what I ate for breakfast this morning.
In other words, "If everyone in the world was like me, everything would be perfect."
These tweets are examples of the myopic, elitist mindset of many people who promote a specific dietary ideology, and illustrate how that's associated with a narrow view of everything – not just diet, but social and political issues as well.
You simply can't reduce complex issues like obesity down to one thing like 'carbs'. Carbs are not the problem. You want to know why some people lose weight on low-carb diets?
"People on low-carb diets often eat more total protein and fat, which helps blunt their appetite. In contrast, the people in the high-carb groups in these studies are often eating lots of refined carbs which tend to be far less filling. In fact, studies have shown that it's actually the high protein content of the diet that helps control appetite and cause weight loss, not the avoidance of carbs." http://evidencemag.com/why-calories-count/
H) Diet and Fitness Gurus, Bloggers, Experts, and Authors – many of these fools promote faulty ideas or their own personal bias as a universal solution. This seems to be a huge issue, maybe even more impactful than Big Food corporations and deceptive marketing. In the quest to oversimplify and ignore facts, Diet Gurus and Trainers say some of the most ignorant things like "sugar is addictive as cocaine' or 'fruit makes you fat.'
"As obesity and its associated health problems have reached global pandemic levels, the fitness industry has flourished. According to franchisehelp.com, the number of fitness centers in the U.S. went from roughly 17,000 in 2000 to almost 30,000 by 2008, and this growth is showing no signs of slowing down. A cursory glance at fitness websites, reality shows, magazines, gym literature, et cetera will tell us that the fitness industry is here to save us from being fat. But being fat is not something that we need to be saved from."
Conclusion: These are only a few of the reasons why we are overweight or obese. This is a hot topic that most Americans swear they know the answer to. Except they don't. The most common response from most people when we talk about 'why are we so fat' is obnoxious, judgmental and wrong. Until more people become aware of these multi-factorial issues, we will continue to blame 'carbs' or call people 'lazy' and absolutely nothing will change.
My next article will provide some concrete solutions for you if you want to lose fat.


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Following the commencement of negotiations between the distribution companies (DISCOs) and electricity consumers for a review of electricity tariffs, there is a major likelihood that a hike in tariffs may take effect from July 2015.
The new tariffs will, however, be subject to the approval of the Nigerian Electricity Regulatory Commission (NERC).
NERC had in April 2015 authorised DISCOs to fix tariffs based on operational costs in their locations, but directed that the tariffs would be subject to approval by the regulatory agency. The agency also directed DISCOs to interface with their customers to arrive at acceptable rates that would be presented for approval.
The new tariff regime to be set by the DISCOs, with the approval of NERC, will commence in July under a new Multi-Year Tariff Order (MYTO).
Sam Amadi, chairman, NERC, stated that the regulatory agency had in the past encouraged the DISCOs to hold consultations with customers on the issue of tariffs, adding that it would henceforth be the duty of the downstream electricity companies to fix the tariffs and not the regulatory agency.
Amadi said the NERC would only approve what would be presented to it as new tariffs by the DISCOs after the companies must have consulted widely with their customers.
Oladele Amoda, managing director, Eko Electricity Distribution Company (EKEDC), during a customers' consultation meeting held in Lagos recently, informed electricity consumers that it would be better for them to pay a slight increase in tariffs and enjoy improved electricity supply instead of paying between N100 and N60 per kilowatt hour to generate their own power on diesel and petrol.
He said under the current tariff structure, the highest tariff in the company's network was about N29 per kilowatt hour, while individuals and businesses that used petrol and diesel paid as much as N100 per kilowatt hour to generate their own power.
"In conclusion, it is believed that nothing good comes easy and Eko Electricity Distribution Plc has invested so much to sustain and enhance operations towards improving services to the customers. It is on the need to sustain continuous investment that we have called for this meeting just to consult with our esteemed customers on proposed adjustment in tariffs to partly meet the reality of the prevailing economic situation," Amoda said.
Although he did not disclose the new tariffs to be presented to NERC for approval, he assured the customers that the new rates would be reasonable and affordable.
Amoda also said the company was exploring alternative sources of power supply since its power allocation from the national grid was grossly inadequate. "We have commenced a process to augment power allocation from the grid with about 700MW through embedded Independent Power Plants (IPPs) and more from bilateral agreements with existing merchant generators," he added.
He also unveiled the measures put in place by his company to eliminate estimated billing and urged customers to embrace any of the options presented by the company to avoid billing by estimation.
Shortly after NERC's directives that DISCOs should fix their own tariffs, a federal high court in Lagos, last month, restrained NERC from implementing a new tariff regime.
The presiding judge, Justice Mohammed Idris, who gave the order based on an ex-parte application filed by Toluwani Adebiyi, a Lagos-based lawyer, also restrained NERC and DISCOs from implementing any tariff increase to avoid further hardship on Nigerians.
Following the commencement of negotiations between the distribution companies (DISCOs) and electricity consumers for a review of electricity tariffs, there is a major likelihood that a hike in tariffs may take effect from July 2015.