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by Rose Larsen | KF20 | Dominican Republic
One of my first tasks upon arriving in the Dominican Republic was to visit 10 borrowers, chosen at random from all of the borrowers with ASPIRE (Kiva's partner MFI), to verify data and find out how they are doing on their loan. This was an exciting but challenging introduction to daily Dominican life, as I navigated Santo Domingo and the surrounding areas via shared taxis, public buses, motorcycles, the metro and my own feet. I traversed bustling neighborhoods in the center of Santo Domingo, small towns in the mountainous interior of the country and everywhere in between, seeking out 10 lucky individuals to interview for Kiva's audit of ASPIRE.
As a recent arrival in the country, it was a great experience to learn more about the Dominican Republic and what it's really like to live here. Though each visit was uniquely interesting in its own right, four experiences stood out as having taught me a lot about what life is like for Kiva borrowers in the DR.
1. Dominicans have a very strong connection to the United States
I have often been surprised by the number of Dominicans who speak to me in near perfect English. Everyone seems to have a cousin or an uncle or a sibling in the States (mostly in New York and New Jersey), and many Dominicans that I've met have spent years living in the US as well. According to the census, in 2010 there were 1.5 million people of Dominican origin living in the US.
But what really drove that home to me was when I met my first Kiva borrower, Ramon, the owner of an internet center in the town of La Vega. He heard my accent when I spoke to him over the phone to arrange our meeting, and asked me where I was from. When I said the US, he told me he had lived there, all over – in New York, New Jersey, and Maryland.
As we began our interview in his little computer center, I was surprised to hear him answer my questions in perfect English! After months in Colombia of struggling to understand Kiva borrowers' difficult Costeño Spanish accents (the ends of all words seem to be cut off), this interview was a breeze!
Like many other Dominicans, Ramón moved to the US in search of a better life, and spent 20 years there. Unfortunately his wife preferred the Dominican Republic and he had to move back. He said that here in the DR, it was much harder to make enough money to live on, because here, inflation is high but wages and income streams remain low.
2. Dominican food is delicious, and Kiva borrowers sure know how to cook
I arrived in Villa Altragracia in the early afternoon, and the branch manager immediately rushed me into the lunch room to eat the Dominican lunch they had ordered for me. It was a plate of rice, soupy beans that are called "habichuelas," salad, and stewed beef – this is the national dish of the Dominican Republic and is called "La Bandera Dominicana," or "the Dominican Flag." The bandera dominicana comes in many variations – sometimes the beans are red and sometimes they are black; the meat can be beef, chicken or pork; and it is often accompanied as well by plantains. The meal I was served in Villa Altragracia was simple but really tasty.
After eating a satisfying lunch I followed a loan officer down the street to a Kiva borrower's restaurant. It was only after finishing the interview and leaving that I found out that the ASPIRE branch office had ordered my lunch from there! I only wished I could have thanked her for the delicious meal.
3. Riding on the back of a motorcycle on a highway is terrifying, but loan officers do it daily
The second borrower I was scheduled to visit in Villa Altragracia was apparently not walking distance from the branch office. Since Villa Altragracia is a fairly small town, I agreed to get on the back of a loan officer's motorcycle, so we set out motoring down the main road in search of Nailan.
I was very surprised when, 10 minutes later, I found myself merging onto Autopista Duarte, one of the main cross-country highways in the Dominican Republic. I clutched the waist of the extremely young-looking loan officer sitting in front of me who suddenly held my life in his hands. We stayed mostly on the shoulder, zooming by people selling snacks by the side of the road, and my heart leaped every time an enormous truck went by, going twice as fast as us.
20 minutes later I shakily stepped off of the motorcycle, and Nicolás, the loan officer, seemed surprised by how much the journey had scared me.
"I make this trip every day," he said. "I used to have a car to do it, but the motorcycle is cheaper." Gas prices are astronomical in the Dominican Republic – prices are currently at $5.25 per gallon! I had a renewed awe for the hard work that loan officers do to reach borrowers, even ones who are not very conveniently located.
4. Kiva Borrowers Span Many Economic Levels
My visits around the country were a great opportunity to see how normal Dominicans live – I visited their homes and businesses, met their families, and even shared meals with them. I was struck by how different each borrower's life is – the pair of borrowers that I visited in the Santo Domingo neighborhood of Los Alcarrizos were the perfect example of these contrasts.
One borrower who left an impression on me was Papio. We found him spending the day at his parents' home, a few kilometers down a dirt road outside of Los Alcarrizos, a working class neighborhood in Santo Domingo. He took out his loans to fund two of his businesses – a car and motorcycle repair shop, and a "colmado," or corner store. He was spending the day overseeing construction on his parents' land, where they raise chickens, bees and will soon rent out the new buildings they are currently working on. This was a man with multiple lucrative businesses – though perhaps the home was modest by US standards, he was clearly not struggling and in fact seemed to be flourishing, especially with the help of his Kiva loan! Though these borrowers are not what one normally thinks of when imagining a Kiva borrower, the money they borrow can go very far – Papio has multiple employees at his various businesses, all of whom depend on him doing well.
I spent an hour exploring the extensive acreage owned by Papio's parents, as he pointed out different types of trees and plants that they grow – besides bees and chickens, they also produced mangos and avocados. I even got to share a meal with them.
Another borrower lived nearby, in the same municipality as Papio. To get to Elisabel, we bumped along down a dirt road filled with potholes, passing rundown shacks that housed whole families. The only day Elisabel was available to meet was Saturday, as she works the rest of the week as a maid in someone's home – she finished paying off her loan a few months ago and unfortunately is not currently running her own business anymore.
Her home was very basic – a small wooden construction with a tin roof, and a tiny yard out front where a few chickens scratched in the dirt. The difference between Papio's parents' acres of land and well-furnished home and Elisabel's shack where she, her husband and their three children lived was huge – it was hard to believe they lived just a few miles from each other. The difference in the quality of their lives was even more obvious.
Elisabel and Papio, though different, can both be helped by microfinance and the loans that ASPIRE and Kiva provide – though at very different levels. Elisabel's loan was for $5000 pesos while Papio took out a $40,000 peso loan. The Dominican Republic has a lot of poverty, but as you can imagine, this poverty doesn't always look the same, and it's important to remember that Kiva borrowers don't fit just one profile – they are as diverse in background as Kiva lenders!
Rose Larsen served with the 19th class of Kiva Fellows in Colombia and is now serving her second fellowship with KF20 in the Dominican Republic, with Kiva partner ASPIRE. Lend to one of ASPIRE's borrowers today, or apply to be a Kiva Fellow!

subset: commoncrawl


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As dormant as the Orioles' bats seem to get sometimes with runners in scoring position, they always seem to be just one hit away from an offensive eruption.
Despite managing just one hit – a third-inning single by pitcher Bud Norris – in their first five innings Sunday afternoon against right-hander Matt Cain, the Orioles rallied from an early two-run deficit to score 10 unanswered runs for a 10-2 throttling of the defending World Champion Giants in their series finale in San Francisco in front of an announced sellout crowd of 41,622 at AT&T; Park.
The win gave the Orioles (65-52) their first back-to-back road series wins since the first two weeks of May, when Baltimore won in Anaheim and Minnesota.
The Orioles have won four of five games -- and both of the first two series -- on their three-city, eight-game interleague road trip against National League West teams San Diego, San Francisco and Arizona.
They also picked up a game on AL East-leading Boston and now trail the Red Sox by 4 ½ with 45 games remaining in the regular-season. With the Rays' 8-2 loss to the Dodgers, the Orioles at now 1 1/2 games behind Tampa Bay for second place in the division. The O's are also 1 1/2 games out of the wild-card, behind the Rays and the A's.
"We know what's ahead of us," Orioles manager Buck Showalter said. "There's 40-some odd games left. ... We try and take a game and get after it and see where it takes us. It's a journey. It won't be long until we make the last turn."
A day after going hitless in eight at-bats with runners in scoring position in a one-run loss Saturday afternoon, the Orioles were 6-for-11 in those situations Sunday.
J.J. Hardy's 21st home run – a two-run shot in the seventh inning off Cain – was the biggest hit of the afternoon, giving the Orioles a 3-2 lead and Hardy the major league home run lead among shortstops.
Center fielder Adam Jones capped a four-RBI day with a three-run homer in the ninth off left-hander Barry Zito, his 24th of the season to give him a career-high 85 RBIs on the year. Over his current nine-game hitting streak, Jones is 17-for-36 – a .472 batting average – with two homers, eight runs and 11 RBIs.
Norris – who allowed two runs in the first inning – woke up Sunday with back tightness, prompting a visit from head trainer Richie Bancells in the second inning when Showalter said he noticed some unusual motions from his starting pitcher. But Norris remained in the game for five innings – he allowed two runs on six hits -- until he was removed for a pinch hitter in the top of the sixth.
"I know that I program myself to go 100-plus pitches every time out, 120 [pitches], depending on what it is," said Norris, who threw 98 pitches Sunday. "National League game, my spot came up, I was a little upset but I understand why. It's not about me, it's about the team winning the game. And two out of three is huge. I just wanted to go out there and do my part to help us win games."
Just five batters into the bottom of the first, Norris trailed 2-0. Brandon Belt laced an RBI double that one-hopped off the left-center field fence and scored Marco Scutaro, who led off the inning with a single.
Two batters later, Hunter Pence followed with an opposite-field double off the high right-field wall to score Belt.
Norris was in trouble again in the second inning, allowing a two-out double to Scutaro followed by a walk to Brandon Crawford, but Nate McLouth saved Norris with a sliding catch on Belt's looping ball in shallow left center to end the inning.
Norris – who grew up just north of San Francisco in Marin County -- said his back began to loosen up as the game went on and he received treatment after the second inning.
"I had to make some adjustments on the rubber ... but that's all part of the game. You got to keep making adjustments," Norris said. "Guys made some great plays behind me."
He was also aided by several early defensive plays that helped keep the Orioles' deficit within reach. In the first inning, Jones made a running back-handed catch in the spacious left-center gap and Hardy sped into foul ground in the fifth inning to make a running grab by the Giants bullpen.
"At that point, it's keeping the game a lot closer," Hardy said. "If we're not scoring runs right there, we're keeping them close and eventually we're going to score runs."
Eventually they did. Cain had retired 15 of 16 before second baseman Brian Roberts opened the sixth inning with a triple, his first since Opening Day 2011. Two batters later, McLouth put the Orioles on the scoreboard by lining a one-out single to right.
Following Hardy's homer in the seventh, the Orioles rallied for four more runs in the eighth as the first six batters of the inning reached base.
Manny Machado set the tone early, dropping a bunt single with one on and no outs. Reliever Jose Mijares' throw was wild for an E1, putting runners at the corners with no outs.
Markakis followed with an RBI single up the middle to give the Orioles a 4-2 lead.
Jones doubled home Machado, and following an intentional walk to Chris Davis, Matt Wieters singled home Markakis. Jones scored on Roberts' sacrifice fly.
"I think everyone says that hitting is contagious," Hardy said. "I think there's times this season when we've been really good at getting guys in and then there's times when we've been pretty bad. I think at the end of the year we're going to be right where we need to be."
The Orioles' bullpen combined for four scoreless innings, allowing just one hit, with winning pitcher Troy Patton, Tommy Hunter, Darren O'Day and Francisco Rodriguez each recording a scoreless frame.
Over the road trip, the Orioles bullpen has allowed just one run over 14 innings, pitching to a 0.64 ERA.
"With the bullpen we got and how they've been throwing as of late, it makes us feel a lot better," Jones said. "We do like our chances. Since we were able to score in the eighth and ninth we didn't even really have to get to the back end of our bullpen."


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Vii Putnam wrote, "The entire sum of existence is the magic of being needed by just one person."
Vii Putnam wrote, "The entire sum of existence is the magic of being needed by just one person."
Such is the case with true friendship. There is a kind of ecstasy when two people can truly connect with another, really understand one another without criticism or demands, and are always ready to help one another.
Today's books reflect friendship in a variety of ways. Ask your librarian and bookseller to direct you to others. Old and young alike can always use the gentle guidance a book on friendship can provide.
"The Secret Garden" by Frances Hodgson Burnett, illustrated by Inga Moore, Candlewick, 279 pages. Read aloud: age 6 and older. Read yourself: age 8-9 and older.
Nine-year-old orphan Mary Lennox had come to live with her uncle in Misselthwaite Manor — an enormous house surrounded by beautiful gardens in rural England. Mary's uncle was rarely at home, and the only other people at the manor were the servants.
Mary tried to busy herself outside, and one day she came upon a door that led to a secret garden. Having befriended a Yorkshire boy, Dickon, the two worked privately to restore the secret garden to its original beauty.
In the midst of their project, Mary discovered one more occupant of the manor — her bed-ridden cousin, Colin. With the help of Dickon, Mary and Colin turned their lives around from being unhappy to lives filled with joy and purpose.
First published in 1911, this wonderful story, sensitively illustrated by Inga Moore (Candlewick 2008 edition), is a wonderful blending of the journey that transforms the hero and heroine in many important ways.
Eastern Monroe Public Library, 1002 N. Ninth St., Stroudsburg
Choices this week: "Moose Tracks" by Karma Wilson; "That New Animal" by Emily Jenkins; "The Night Fairy" by Laura Amy Schlitz
"Little Cub" written and illustrated by Olivier Dunrea, Philomel, 2012, 32 pages, $16.99 hardcover. Read aloud: age 3 and older. Read yourself: age 6-7.
Little Cub lives all alone near the forest. He doesn't like being alone, and sometimes he wishes he had someone who could teach him things, such as how to fish so he wouldn't be hungry. Little Cub also wishes he had someone so he would not be alone and afraid at night.
Old Bear lives all alone in the forest. He doesn't like being alone, doesn't like the dark nights, and wishes he had someone to share his fish with. Being alone made Old Bear grumpy.
Then one miraculous day Old Bear hears a curious cry and discovers Little Cub, and in the magic of their meeting, both realize how very colorless their lives had been before.
Perfectly wrought in words and illustrations, this tender, joyful book is certain to warm the hearts of both young and old alike.
"Road Trip" by Gary Paulsen and Jim Paulsen, Wendy Lamb Books, 2013, 114 pages, $12.99 hardcover. Read aloud: age 9 and older. Read yourself: age 10 and older.
Fourteen-year-old Ben is looking forward to summer vacation and going to hockey camp. But just as vacation starts, Ben's father has him up before dawn for a two-day road trip with their dog, Atticus, to rescue a border collie pup. Ben's father is like that — adventurous, enthusiastic and a spur-of-the-moment kind of guy. Dad assures Ben this will be a great way for them to spend quality time together.
But moments into the trip, Ben learns a few things he is not happy about: his father has quit his job, wants to flip houses for a living, and until he becomes successful with that, money will be tight and hockey camp is out this year.
Disappointed and angry, things start to look up for Ben as an odd assortment of characters join them on their road trip: his new friend Theo, who is on the run from some frightening people; a nutty mechanic; and a bigger-than-life waitress who is wicked smart and can read your aura. They are now all in a big old yellow school bus en route to rescue that puppy.
Told in alternating voices of Ben and the dog, Atticus, this story is ripe with humor, wild adventure and is ultimately a tale of friendship with snippets of wisdom. Coming from award-winning author Gary Paulsen and his son, Jim Paulsen, "Road Trip" is a book that both avid and reluctant readers will devour.
Nationally syndicated, Kendal Rautzhan writes and lectures on children's literature. She can be reached at greatestbooksforkids.com.


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DeKALB – The sounds and aroma of the season will fill the air at Glidden Homestead's closing day of the tour season on Sunday, Nov. 17, when the Sycamore High School Madrigal Troupe will perform at 1 p.m. in the Welcome Center.
Madrigal singing, brought to England — the Gliddens' ancestral home – from Italy in the 16th century, was at first an informal type of private entertainment at the castle and country homes of the landed gentry. Frequently, the lords and ladies performed the music as they sat at dinner in the Great Hall. Naturally, during the 12 days of Christmas, there was much entertainment.
The SHS Madrigal Troupe will perform Renaissance-period pieces from this year's repertoire. Their performance is made possible by a Mary E. Steven Concert and Lecture fund grant to the homestead.
From noon to 4 p.m., visitors can learn what barbed wire, the Northern Illinois University lagoon, and the Family Service Agency have in common in tours of the homestead. Demonstrations of the old-time blacksmith trade will be given in the homestead's blacksmith shop. Wassail and seasonal refreshments will be served.
Admission is $4 for adults. Children younger than 14 and homestead members are admitted free.
For holiday shopping, unique hand-forged decorator merchandise, DeKalb collectibles, barbed wire items, and a selection of historically-themed books for children will be available in the gift shop.
This holiday event closes the 2013 tour season, which commemorated the 200th anniversary of the birth of Joseph Glidden, "the father of barbed wire" and inventor of "The Winner," the most widely used barbed wire design in the nation. The 2014 season, The Year of the Barn, will open on Sunday, May 18.
Glidden Homestead is located at 921 W. Lincoln Highway in DeKalb. For more information, visit www.gliddenhomestead.org or contact firstname.lastname@example.com or 815-756-7904.


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Tired of looking at the dirty, worn out siding on your home? Do you have wood trim that is rotten or peeling? The exterior of your home is the first thing your guests and visitors see, and you want to make a good first impression! Shanco is proud to offer the most reputable siding contractors in Olney, and can update your siding and trim to make sure your home's exterior looks beautiful!
If you want siding that not only looks good but is also efficient, you're in luck! We can replace your siding with new ENERGY STAR® rated vinyl siding or new James Hardie fiber cement, making your home not only beautiful but also energy efficient and maintenance-free.
When you're looking for the best siding repair, new siding or siding replacement, Shanco can handle it and restore your home's exterior.
Do you want to install new siding? Building a new home in the Olney area? Whatever your case is, Shanco's local siding contractors have you covered. We're quite simply the most reputable local siding contractors in the area. We have the experience and expertise to seamlessly handle all your siding and trim needs – we've been doing home improvement services for over 20 years!
Vinyl siding provides an elegant look to the exterior of your home, but unlike asbestos or aluminum, it requires little maintenance. It is also energy efficient and extremely durable and doesn't rot, peel or dent easily. Vinyl siding repair, replacement and installation requires the expertise and experience of reputable local siding contractors like Shanco.
When you want low-maintenance siding that has the look of traditional wood siding, fiber cement siding is the way to go. It looks like wood siding, but is very resilient and doesn't warp, crack or rot easily. If you're worried about termite or moisture damage, nothing is more ideal than fiber cement siding. Whether you want new fiber cement siding installed or siding repair or replacement, Shanco can help.
Nothing lasts forever – and unfortunately, your siding is no exception. But when your siding starts falling apart, our siding repair experts can help! No matter what shape your siding is in, we can make your home look beautiful again. And with our siding products, your home will be more energy efficient than it was before.
In addition to siding installation, repair and replacement, Shanco's trim and siding contractors can replace your old trim with new, state of-the-art PVC vinyl wood or wrap your existing wood with vinyl coated aluminum trim for a maintenance-free exterior.
We offer our own personal workmanship guarantee on top the manufacturer's product warranty!
Some of the products we recommend for house siding repair and new installation include:
If you're looking for the best trim and house siding contractors in the Olney, MD area, look no further! Shanco has you covered, whether you need vinyl siding repair, replacement or installation or fiber cement siding installation or repair. Call us and find out why we are one of the top siding contractors!
* Shanco takes safety very seriously, staff members in the field as well as the office are certified in first aid as well as CPR.


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Re: Ralin's Creations
Sanding the piece too would help the paint stick. Are you planning on having it stay that pristine?
I sanded it some before painting, but not enough apparently. And by pristine you mean am I going to add more damage? Maybe a little more, but not right now. I'm deeper into trying to figure out how I'm going to attach the ears, antenna, visor, and the inside padding/liner


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Swag Bucks has released a FREE code worth 4 Swag Bucks found on the BLOG.
EXPIRATION: 5:30pm EST
HINT: If you haven't already, join today. After you've found the Swag Bucks code, simply enter the code at SwagBucks.com in the upper right in the 'Gimme' box.
Talk to you later…… 😎Bx Che@psk@t3 @BxCh3apskat3
If you like this post, please consider sharing….BxChe@psk@t3….HAPPY SHOPPING 🙂


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Membership means savings with your
Marquette University Alumni ID Card
Whether you graduated last year or with the Class of '59, your Marquette University Alumni ID is your ticket to discounts on everything from rental cars to moving services. Plus, when you come home to Marquette you'll receive discounts on merchandise from the Spirit Shop, campus food services and member rates at some of Milwaukee's finest hotels.
General Discount Offerings
On-campus Discount Programs
Milwaukee Hotel Discounts
The Alumni Travel Program
Don't have a card? Did you lose it?
All alumni should receive their card upon graduation. If yours has been lost or stolen, please email the Alumni Association or call us at (800) 344-7544. Don't forget to provide an address where we can send your new card!


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There are many ways you can leave a legacy to Canadian hockey by making a charitable gift to the Hockey Canada Foundation. Whether you decide to make an outright gift of cash or property, or make a deferred gift through a bequest in your will, you can do so knowing that your contribution will have an enduring impact on those whose lives are shaped by Canada's game.
Basic gift planning can substantially increase the impact your gift will have, while at the same time ensuring you receive all the available tax and estate planning advantages. We encourage you to contact the Hockey Canada Foundation for assistance in determining the best way to make your gift and help carry on Canada's place as the world leader in hockey.
Gifts of cash
A gift of cash is the simplest way to make a contribution to the Hockey Canada Foundation and give something back to the game. Your gift will be immediately put to work on behalf of Canadian hockey. At the same time, you will receive a charitable donation receipt for the full value of the gift. Gifts of cash can be made by cheque, money order, credit card or in currency.
Gifts of publicly-listed securities
The recent permanent reduction in the capital gains inclusion rate for the gifting of publicly-listed securities make this an attractive way to make a gift to the Hockey Canada Foundation in support of hockey development. A gift of securities can include shares, bonds, bills, warrants and futures traded on prescribed stock exchanges. In order to qualify for the capital gain inclusion rate, the securities must be given in kind.
You will receive a tax receipt for the fair market value of the securities based on the closing price of the day when the transfer is completed. You will also receive special tax treatment for any taxable capital gain on the gifted securities as reported on your income tax return. Because the taxable portion of the capital gain is reduced by 25%, a larger gift than otherwise possible can be generated using this gift planning strategy.
Gifts of real estate
You can make a gift of real estate to the Hockey Canada Foundation and receive a charitable tax receipt for the fair market value of the property. If the gift is a principle residence, no capital gains will be triggered.
The foundation must determine the fair market value of the property using two or more professional appraisals that satisfy both you and the foundation. The foundation must also conduct appropriate due diligence prior to accepting any gift of real estate.
Gifts in kind of tangible property
Other types of tangible property such as collections, equipment, furnishings and household items can be gifted to the Hockey Canada Foundation. The amount of the donation receipt for in-kind gifts is the fair market value of the property on the date of legal transfer of ownership to the foundation. In-kind gifts must be accompanied by a well-documented professional appraisal.
This approach allows a larger contribution than can normally be made from income, because any tax owing on appreciated property is usually offset by the tax credits generated by the gift.
Gifts by bequests
A gift through your will is the simplest way to make a deferred charitable gift and leave a legacy in remembrance of Canadian hockey. By having a valid will in place and carefully planning your bequest as part of an estate plan, you can potentially eliminate all taxes payable on your terminal income tax return. Your executor can claim bequests equal to 100% of the income on your final two tax returns and effectively redirect money that would have been paid in taxes to benefit Canadian hockey.
To make a bequest, we recommend you speak to a lawyer about drafting or revising your will. It is important that your bequest to the Hockey Canada Foundation is properly designated in your will to ensure your wishes are carried out. We can provide you or your professional advisor with sample bequest language to ensure this happens.
A bequest can be made the following ways:
A donation using life insurance can be an affordable way to generate a significant charitable gift and help protect Canada's traditional place in the game of hockey.
You can do so by transferring ownership of an existing policy designating the Hockey Canada Foundation as owner and beneficiary. You will receive a charitable receipt for the full cash surrender value of the policy along with any accumulated dividends. If premiums are still payable, you can continue to pay the premiums and receive a tax receipt for each additional premium paid.
You can also purchase a new policy and irrevocably name the Hockey Canada Foundation as owner and beneficiary. A charitable tax receipt is provided annually for premiums paid or for the face value of the policy upon your death.
In cases where you name the Hockey Canada Foundation as beneficiary while retaining ownership of the policy, no charitable tax receipt is issued. However, your estate will receive a receipt for the full value of any resulting gift received by the foundation.
Gifts of life insurance pass outside of the estate and are not delayed or subject to probate concerns. This ensures the amount of the gift does not change due to payment of taxes, legal or administrative fees.
Gifts using a charitable remainder trust
If you would like to make a significant gift to Canadian hockey and still receive income on your assets during your lifetime, you can establish a Charitable Remainder Trust (CRT). This is a gift to the Hockey Canada Foundation by means of a trust agreement. The CRT can be funded with cash, securities, real estate or other forms of real property deemed to be acceptable by the trustee who manages the trust. Income earned through the trust is paid to you or your beneficiary. Upon termination, the remainder of the trust is distributed to the foundation and not subject to probate or other administrative costs.
CRTs can be established during your lifetime or under the terms of your will. This allows a substantial gift to be made without losing the benefit of the revenue your capital is earning. In fact, when the tax advantages and professional management of the funds are considered, you may find your net return is higher using a charitable remainder trust. A tax receipt will be issued for irrevocable trusts based on the present value of the residual interest that will eventually pass to the foundation.
Gifts of residual interest
A residual interest gift allows you to make a significant gift of capital property without losing the use of the property during your lifetime. By making an irrevocable gift of real estate, a principle residence or a work of art, you can continue to enjoy the use of the property until your death, at which time the residual interest passes to the Hockey Canada Foundation. You receive a tax receipt for the present value of the residual interest and the gift is not subject to probate.
Gifts of retirement funds
If you will not be survived by a spouse, are without children or have children but have made other arrangements for them, retirement funds can be used to make a gift to the Hockey Canada Foundation.
Naming the foundation as a direct beneficiary of all or a portion of any retirement funds remaining at death will qualify as a charitable donation and generate a charitable receipt to your estate for the market value of the plan.
The information provided above is general in nature and intended to be used for illustration purposes only. It is not intended to serve as a substitute for professional guidance. The Hockey Canada Foundation encourages all donors who are planning a significant gift to seek the appropriate independent legal and financial planning advice.


text: Enjoy a FREE night out with the family! Reinbeck's Elmwood Park (West of Shelter Houses). Saturday, August 20 at dusk. Popcorn and water available as a free will donation. Sponsored by: Quentin & Carol Mayberry, Tim & Joanie Johnson, Rod & Mardel Brockett, Chad & Angie Kickbush, Chris & Julie Frischmeyer and families. For information about the movie contact Kisha at email@example.com


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Aggressive speech, even more aggressive message
The speech President Barack Obama delivered in his State of the Union address Tuesday night was aggressive — but not nearly as aggressive as the message he was sending to Congress between the lines of what he said.
For all the talk about bipartisan cooperation, Obama couldn't have been clearer: He's confident his agenda has popular support, he's not going to compromise too much and he's prepared to spend as much time going around the country pressing his case as it'll take. As for the Republican lawmakers who complain that he's been too rough on them already — he's just getting started. And Democrats better be on notice, too.
Story Continued Below
( PHOTOS: Scenes from Obama State of the Union 2013)
Here's POLITICO's guide to translating what the president said at the podium, and what he really meant:
What he said: As we speak, bipartisan groups in both chambers are working diligently to draft a bill, and I applaud their efforts. Now let's get this done. Send me a comprehensive immigration reform bill in the next few months, and I will sign it right away.
What he meant: Love the effort, Chuck and John, but the clock is ticking.
Translation: Obama welcomes the bipartisan talks led by Sens. Chuck Schumer (D-N.Y.) and John McCain (R-Ariz.) — to a point.
( Also on POLITICO: Full text of the State of the Union address)
The White House still regrets giving Senate Finance Committee Chairman Max Baucus (D-Mont.) and his small gang of senators so much time in 2009 to produce a health care overhaul bill. The talks dragged on, the public soured on the effort and Obama struggled to get the issue back on track.
Obama didn't invoke a deadline for immigration reform — again, another lesson learned from the health care reform push — but lawmakers and advocates expect him to give a bipartisan group of senators only until March to reach a deal. But if they stop making progress, the president has said that he'd put up his own bill and demand that Congress vote on it.
But Schumer and McCain remain optimistic.
( Also on POLITICO: Obama swings left in retro State of the Union)
The clearest indicator? They sat side by side in the House chamber, and were joined by another gang member, Sen. Lindsey Graham (R-S.C.), to hear the speech.


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Genius, as Thomas Edison famously declared, may owe far more to perspiration than to inspiration, but Leah Busque's revolutionary startup was born in a moment of profound laziness. It was a wintry night in February 2008, when Busque, a 28-year-old engineer at IBM in Cambridge, Massachusetts, realized that she needed dog food for her yellow lab, Kobe. She wanted nothing more than to get someone else to trudge outside in the snow. "I thought, wouldn't it be nice if there were a place online you could go," she says. "A site where you could name the price you were willing to pay for any task. There had to be someone in my neighborhood who was willing to get that dog food for what I was willing to pay."
Inspired, she quit her job four months later and started a company, originally called RunMyErrand, with money from angel investors and an incubator. The site launched in September 2008, and by the following March, its roughly 100 registered "runners" had performed hundreds of tasks. Today the site, since renamed TaskRabbit, has more than 1,500 runners in San Francisco, Boston, Los Angeles, and Orange County fulfilling up to 3,000 tasks per month—everything from assembling IKEA furniture to making a beer run.
Follow The Rabbit
Task Rabbit senders and runners negotiate with one another through Task Rabbit's messaging system. Below is the real-time feed. Refresh this page to update the feed.
Think of TaskRabbit as an eBay for real-world labor. When users, called senders, post a task, they also invisibly declare the maximum amount they'd pay to have it completed. Runners then bid on the task by declaring the minimum amount they would accept. Unlike on eBay, though, senders can choose freely from among the bids, since the reviews and experience levels of runners can vary significantly: Highly rated runners—or those who happen to be available immediately for a rush job—can command significant premiums. Tasks range from courier assignments that can take just a little while to jobs like moving help that can take hours and are often scheduled up to a week in advance. TaskRabbit takes a 12 to 30 percent cut of each transaction; the higher percentages are deducted from lower-value jobs. Customers pay by credit card, and the runner's share gets deposited into a TaskRabbit account, with checks cut every Friday.
To keep the rabbits scampering, the site employs some serious game mechanics. A leaderboard ranks the top runners, displaying the level that each has achieved and their average customer review. The runners also see a videogame-style progress bar showing the number of additional points they need to jump to the next level. Points are awarded for everything from bidding accurately on a task (15 points for being within 15 percent of the sender's maximum price) to bidding quickly (15 points for bidding within the task's first 30 minutes) to emailing friends and urging them to join TaskRabbit (three points per email). The level system is exponential: Moving from level 0 to level 1 takes only 60 points, while going from level 20 to 21 requires adding roughly 1,700 points to your tally. The highest level reached so far is 23, achieved only by a 58-year-old former military officer in San Francisco named Alex K. (All the runners are known by their first name and last initial.)
Points earned also correspond to some modest benefits in real life. At level 5, runners get a TaskRabbit T-shirt. And at level 10, in a nod to the professional dimension of the game, they get their own business cards. Yes, TaskRabbit's runners are gamers of a sort—but they're also workers, making good money through a peculiarly 21st-century kind of labor market.
For users, TaskRabbit's runners function as an on-call pair of hands. The site has become particularly addictive for executives at the pathologically understaffed startups of San Francisco, where the phrase "We can get a runner to do that" has become common parlance. One typical task is assembling desks for new employees. "One out of five jobs that get posted here makes you sign a nondisclosure agreement before you walk in the door," jokes one top runner, Joshua L. (short for Leavitt). Since many common tasks are carried out in the senders' homes, runners are vetted through a three-step process, which starts with an application form and progresses to an automated phone or video interview that poses a series of questions designed to weed out deadbeats. Finally, TaskRabbit pays the database giant Acxiom to perform a federal criminal background check on each prospective worker.
For the runners, meanwhile, at a time of deep and persistent unemployment, the site serves as a way to make regular money without giving up control of their days. Unlike a temp service—which sets workers' rates and presents them to employers—TaskRabbit lets workers get hired directly by consumers and thereby build up their own reputations.
Part of what's so remarkable about the site is the way its competitive dynamics—the bidding, the points, the reviews—have created an elite cadre of runners who tend to fit a very particular personality type. Perhaps unsurprisingly, it's a type of person a lot like Leah Busque (herself a level 10 runner), a Phi Beta Kappa and former ballerina who married her high school sweetheart. The top rabbits are bewilderingly energetic, gregarious to a fault. They're the sorts of people who would make good personal assistants to celebrities, but instead they've become assistants to regular people—a quick succession of regular people, even, within a single day.
Many of the rabbits treat the service as a full-time job, with some using their profiles to market themselves aggressively and earning as much as $5,000 a month. One of the most active self-promoters is Leavitt, whose Twitter handle is @JoshRunsTasks and who keeps a blog (joshrunstasks.posterous.com) that chronicles his life as a runner. When he set up a Google Voice account for his task-running business, he made sure that the last four digits were 8275: T-A-S-K.
By the Numbers
Number of the site's 1,500-plus "runners" who have performed a third of all tasks from April to June.
Percentage of all tasks that involve picking up and assembling IKEA furniture.
Percentage of posted tasks that get bids from at least one runner; 75 percent wind up being completed.
Number of days it takes, on average, for a posted task to be finished.
Over a hurried Sunday brunch in San Francisco's Potrero Hill neighborhood, Leavitt checks his phone obsessively to make sure he'll catch the bus in time for his next job, at Valencia and 25th Street, where a woman needs help organizing her basement storage. The lanky 23-year-old is just 50 points shy of his next level.
"I've already saved the draft of what I'm going to tweet," he says, and flashes the phone over his plate of huevos rancheros. "Wishing some 8 bit video game noises and animation would herald my victory: I am a level 20 @TaskRabbit Runner!" He reaches his goal the following day—making him just the fourth runner to graduate out of the teens.
Every month, TaskRabbit hosts Runner Rallies where its player-workers can socialize. At Pete's Tavern in the South of Market district, 20 or so active runners, along with sundry TaskRabbit employees, gather to drink beer and munch on snacks: pizza, buffalo wings, nachos, and—befitting the site's moniker—carrots. After following one another's activity all month through their profiles, runners get the chance to hang out in real life, which to an outsider feels like happy hour for the terminally helpful.
As expected, tales of weird tasks abound. Renee de A. recalls how she functioned for a week as a human alarm clock, physically visiting a woman's house to wake her up every morning. The 54-year-old also had to complete grocery runs for another woman who "wanted her meat sliced so thin that Lady Gaga would have been arrested for indecent exposure." The result for Renee—now at level 16—was addictive. "You get one task done," she says, "and you see another and you want to do it."
Gathered around the now-lukewarm pitchers of beer, the runners giggle about some of the most ridiculous tasks that have been posted in recent weeks. The most offensive task—entitled "Attractive Female, Please Bring an Attractive/Successful Male Some Water + Juice"—was up for 11 minutes before it got taken down by an operations manager. The top runner, former military officer Alex K., describes how he took on a task called "Prank Call Our Customer Service Rep." It wound up requiring that he play the role of an animal-welfare activist, seeking donations to buy Viagra for soon-to-be-extinct Siberian tigers.
Just browsing around the site will uncover some similar goofiness: a request to help wrap coworkers' desks in cellophane, an appeal for homemade oatmeal raisin cookies ("We like them crisp on the bottom, but not burnt, you know?"), and even a call to dress up as a dead Osama bin Laden and accompany a group of revelers who planned to hit the town in Navy SEAL garb.
But for all the prankish and half-serious listings, the vast majority of the tasks on offer are real work: driving, organizing, fetching, building. And TaskRabbit serves as a reliable source of that work for people who have had some trouble finding it. Alex K. is on disability and has taken to the service because he finds it a low-pressure work environment compared to his previous life. At Pete's, out of earshot from the rest of the group, he whispers, "I would rather make jokes about Viagra and Siberian tigers than get scared when my phone rings at night."
Similarly grateful is Michael P. (for Powell), a 61-year-old former medical scientist who is more than happy to build IKEA furniture as a stopgap between jobs. Powell applauds TaskRabbit's positive psychological effect on those who are seeking full-time work but can't seem to find it. "They should get a rebate from the government for creating employment," he says. "For giving unemployed people something to do and keeping them attuned to the workplace. If you're unemployed for a long time, you lose that workplace edge."
Right now TaskRabbit and its competitors (which include two other startups, AirRun and Zaarly, that work on similar principles) are vanishingly small. It remains an open question whether they can ever scale up to such a degree that "running," or something like it, would become a viable option for a sizable fraction of the workforce. But with its clever combination of work and gaming, TaskRabbit does point the way toward a far more independent mode of employment—perhaps even, as Leavitt puts it, "a different form of entrepreneurship."
That rabbit's got a point. In the same way that eBay made millions of people the proprietors of their own "stores," TaskRabbit stands to turn the unemployed and underemployed into their own employment agencies, as it were, with a single temp on offer: themselves. "And unlike when you're a temp," Leavitt adds, "you can develop your own business model. You can actively hunt down jobs that need to be done. From one day to the next, you're never sure what you'll be doing. But it's almost guaranteed to be something you weren't expecting."
Alexia Tsotsis is a staff writer at the technology blog TechCrunch.Go Back to Top. Skip To: Start of Article.


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Chris Kenworthy presents Charles Gauci's Demon Tube.
A wooden tube and a block are shown. The block is covered by the tube and a wand or pen is inserted through a hole which locks the block and tube together. The tube is then inverted. Amazingly the block penetrates the wand and falls from the tube.
This is an entirely new principle unlike anything you've ever seen before. The block is clearly shown to be at the bottom of the tube before the wand is inserted to secure it in place.
Introductory Price $195.00.
1 Block
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Do you own this product? Write a review.


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Event Information
Palm Harbor Florida Craft Festival: September 2019 4th Annual American Craft Endeavors
Florida Avenue in Historic Palm Harbor
Palm Harbor, Florida (South)
Phone: 561-746-6615
Event Dates: 9/7/19 - 9/8/19
Application Deadline: 9/4/19 Midnight EST
10 day(s) and 18 hour(s) remaining
Images: 4 (a booth shot is required)
Fee (Non-refundable Jury Fee (APF)): $15.00
Event Summary
Situated on the west coast of Florida, directly adjacent to the Gulf of Mexico, Palm Harbor takes pride in being a thriving community that offers small-town friendliness. This city has been called the Jewel of Tampa Bay. It is located just north of Dunedin and the city offers a nostalgic architectural view back into Florida's past. Many of the town's restaurants and retail stores are located in historic buildings and homes. Palm Harbor is centered in the Tampa Bay Metropolitan Area and is a short trip from Clearwater, Tampa and St. Petersburg. This bedroom community is the home to many affluent families that enjoy all the advantages of a major metropolis while living in an attractive suburban setting.
General Information
American Craft Endeavors produces multiple shows therefore we have an ongoing jury process that meets twice monthly and juries by category. SHOW DIRECTOR'S SUGGESTION: We recommend that you apply EARLY as the show and/or most categories will fill quickly. Upon receiving an invitation to participate in the show, you will need to submit a deposit/booth fee immediately to secure your space in the show. Simply ACCEPTING on Zapp will not secure your space in the show. Please note that your invitation email may go to your SPAM folder, so it is in your best interest to check your status on Zapp or check your SPAM folder. Due to the deadline being so close to the show date, the show will most likely be closed prior to the deadline. PLEASE NOTE that we keep a WAIT LIST on a category basis.
ABOUT THE SHOW: Situated on the west coast of Florida, directly adjacent to the Gulf of Mexico, Palm Harbor takes pride in being a thriving community that offers small-town friendliness. This city has been called the Jewel of Tampa Bay. It is located just north of Dunedin and the city offers a nostalgic architectural view back into Florida's past. Many of the town's restaurants and retail stores are located in historic buildings and homes. Palm Harbor is centered in the Tampa Bay Metropolitan Area and is a short trip from Clearwater, Tampa and St. Petersburg. This bedroom community is the home to many affluent families that enjoy all the advantages of a major metropolis while living in an attractive suburban setting. The show will be held on Florida Avenue (Palm Harbor's main street) just east of Alternate 19.
Venue: Florida Avenue in Historic Palm Harbor, FL
Public Admission: Free, no gate
Parking: Daytime Available for RVs and standard size vehicles
Spaces: 10x10, 10x15 and 10x20 booth spaces
Show Hours: Saturday & Sunday 10am-4pm
Set-Up: Saturday Morning at 5AM
Security: Overnight Security will be onsite
American Craft Endeavors has a reputation of bringing out a high-end buying crowd to each of its events.
Images: 4 (a booth shot is required)
Jury Fee (Non-refundable Application Fee): $15.00
American Craft Endeavors will allow a limited quantity of offset prints, giclees, and reproduced work that must be clearly labeled as such.
This competitive show is limited to approximately 100 exhibitors chosen by a jury of highly qualified, talented, experienced craftspeople. All participants in the show will be chosen by this jury, which meets twice a month. The Zapp site will be updated when categories and/or the show closes; WAIT LIST applications will then be accepted. Crafters who will be called from the wait list will be chosen by category as cancellations are received and at that time can accept our decline our invitation to exhibit.
All work must be of original design and produced by the artist or a two-person collaboration. All work must be original, handcrafted, created and exhibited by the approved artists themselves. Kits, imports, and mass-produced items will not be tolerated. This rule is strictly enforced. The work exhibited and the booth must match the quality and style of work as represented in the submitted digital images. Artists and crafters are only permitted to apply with one medium.
WE ARE VERY CRAFTER FRIENDLY. PLEASE DO NOT HESITATE TO CALL US DIRECTLY FOR QUESTIONS YOU MAY HAVE. View our website at www.artfestival.com, email us at firstname.lastname@example.com, or call us at (561) 746-6615.
The craftsperson whose work has been accepted MUST BE PRESENT for the duration of the show to meet our patrons. Both collaborating partners, if listed on this application, must be in attendance. Picture identification will be required.
For most shows, a fifty-dollar ($50) deposit may be made in lieu of the full booth fee ONLY if the event is thirty (30) days away or more. We also accept credit cards for payment of booth fees. Please visit our website to access credit card authorization forms or contact our office. If you are accepted into a show, the balance must be paid NO LATER than thirty (30) days before the event or a thirty dollar ($30) late fee will be applied to the balance. If you are applying for a show past the thirty (30) day cut-off date, please include the thirty dollar ($30) late fee with the show fee.
Cancellation Policy:
There are no refunds for canceled shows. Cancellations must be made in writing (preferably emailed) at least 30 DAYS prior to a craft show. If you cancel with the proper amount of notice, you will receive a credit for all show fees paid, good for 2 years. Application fees are non-refundable. We do not, at any time, issue refunds unless we have canceled a show with ample time prior to its scheduled date. If a show is canceled AFTER logistical and advertising arrangements have been made, refunds will not be issued under our rain or shine policy nor due to any forces of nature, (i.e., hurricanes, tornados, floods, earthquakes) as outlined in the application. If you are not paid in full at this time, you are still liable for the balance. You will not be able to exhibit in a future American Craft Endeavor's event until the show balance has been paid. We understand that there are many unforeseen circumstances that may arise last minute, however, we cannot make exceptions to this policy.
Applicants must submit four color digital images, via the ZAPP application. Three images must show individual pieces representative of current work. The fourth image must be of the display that will be used at the show with the full range of work displayed.
No Application Deadline: ONGOING JURY *READ ABOVE PLEASE*
Acceptance Notification will be emailed approximately 2 to 3 weeks after Zapp online application completed.
Booth Fees Due: Deposit of $50.00 will be due immediately upon acceptance. Show fee balance is due no later than 30 days prior to the event or a thirty dollar ($30) late fee will be applied to the balance.
Show Set-up: Saturday Morning 5 AM
Show Hours: Saturday & Sunday 10 AM – 4PM
No Solicitation - Exhibitors are present at our shows for the purpose of representing their work. For that reason, no exhibitor, or their representatives, will engage in any type of solicitation of any products, supplies, shows, etc. during the course of the show, starting at the commencement of the event and ending at the end of breakdown of the said event. The exhibitors' role is to sell their work and not engage in any other non-related business activities during the course of the event. Failure to comply could cause possible expulsion from the show.
ABOUT US: For over 35 years, American Craft Endeavors has been Florida's leading producer of juried street craft festivals. We produce shows in cities such as Sarasota, Delray Beach and Venice. Combine some of the best downtown streets in the US, develop a great marketing plan, include a high caliber of crafters, and you have another fine American Craft Endeavor Show.
The staff at Howard Alan Events and American Craft Endeavors would like to thank you for your participation in our shows. In order for you to help us make our shows the best they can be, we have established some rules and regulations. To participate in our events, you MUST observe the following…
Booth Information
Booth spaces are approximately 10' wide by 10' deep. Space and a half and double booths are also available on a limited basis. A 10x15 tent is required if you are requesting a 10x15 space. Displays must be professional and aesthetically pleasing. All exhibitor tents must be white in color. Please visit our website at www.artfestival.com to view our display requirements and tips. Handwritten signs and sale signs are prohibited.
If invited, your booth display at the event should match the booth display picture that was submitted with your Zapp application. There are no exceptions to this rule. If you have any display changes prior to the festival, you must resubmit your booth image for approval.
Single Booth (10' x 10') – $295.00
Space and a Half (10' x 15')- $442.50
Double Booth (10' x 20') - $590.00


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Military, Products
By Staff Writer | October 1, 2009
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Bell Helicopter of Hurst, Texas, has awarded a $53-milion contract to Kaman Aerospace's Helicopters division to manufacture composite helicopter blade skins and skin core assemblies. The agreement involves 18 different assemblies for the following helicopters: Bell 406, 407, 412, 427, 429, 430, H1 and BA609. Kaman's HeliworX facility in Bloomfield, Conn. will carry out the production work starting late in 2009.
Rockville, Md.-based BAE Systems has obtained an order from the UK Ministry of Defense for 12 remote sighting systems that use the company's Q-Sight display. The displays will be installed in the Royal Navy's Lynx Mk8 helicopters. Deliveries will start later this year and run through May 2010.
Sikorsky Aircraft Corp., Stratford, Conn. has won a contract worth up to $7.9 million for main rotor blades for the U.S. Navy. Completion of the project is listed as Dec. 31, 2012. The Defense Logistics Agency in Philadelphia is the contracting activity. Sikorsky has received a separate contract valued at $6.5 million. The Naval Air Systems Command in Patuxent River, Md. exercised an option to extend the indefinite-delivery/indefinite-quantity contract, which calls for special progressive rework and modifications on the VH-3D executive helicopter. Work will take place in Stratford, with completion expected in April 2010.
Vector Helicopter Services-North America has won a five-year, $15-million contract from the Brazilian Air Force to support its Bell H-1H helicopters. Under the agreement, Vector will supply airframe inspections, repair services and logistics at sites in Brazil.
Mesa, Ariz.-based McDonnell Douglas Helicopter Co. has secured a $172,750 contract from the U.S. Army Aviation and Missile Life Cycle Management Command, Redstone Arsenal, Ala. The deal covers unmounted, anti-friction bearings.


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November 2008
Aspergillus fumigatus is a fungus whose spores are common inhalation pollutants that pose a health hazard. Photo: Centers for Disease Control and Prevention.
What is in the air in your home, where you work, or in public buildings? There may be bioaerosols — airborne biological contaminants. Aerobiological health hazards affect everyone on a daily basis and include allergens, mold spores, bacteria, and viruses that cause infectious diseases. How can these hazards be controlled indoors?
Aerobiological engineering is a field of study that combines elements of engineering and microbiology that focus on reducing the risk of airborne disease by controlling the aerobiology of our indoor environments. It offers some solutions to the hazards of bioaerosols:
- Existing technologies can collectively control these bioaerosols if we retrofit old buildings or specifically design new buildings to control airborne microbes.
- By re-engineering our buildings on city-wide scales, the population can be broadly protected and potentially immunized against epidemics.
- Developing standards for indoor environments and educating the public are critical steps to transforming our disease-prone society.
Aerobiological health threats
Contagious diseases are the most dangerous and costly threats posed to building occupants today, including influenza, SARS, tuberculosis, pneumonia, and meningitis. Emerging pathogens such as avian flu and the resurgence of old diseases like plague, scarlet fever, whooping cough, and measles highlight the increasing vulnerability of populations to epidemic disease.
Evolving drug resistance, especially among hospital-acquired infections, complicates treatment of microbial agents, and physicians see their once abundant arsenal of antibiotics shrinking faster than new miracle drugs can be developed. Vaccines, once thought to be magic bullets, seem insufficient by themselves to combat airborne pathogens that can be transmitted freely in our unprotected buildings and have the potential to spread globally and cause pandemics.
Relatively mundane health threats like mold, dander, and allergens burden homes, schools, and offices, while the threat of bioterrorism leaves our buildings vulnerable to manmade epidemics that could decimate cities. Such formidable challenges can be placed into a manageable context if we recognize that protecting our buildings against the most common microbes simultaneously protects against the most dangerous threats as well.
Air- and surface-cleaning technologies
The technologies needed to create healthy buildings already exist, but they are not implemented widely enough to interdict epidemics. Optimized combinations of filtration and ultraviolet germicidal irradiation (UVGI) can be used to remove airborne microbes with high efficiencies. Combining and optimizing these technologies is the most cost effective means of disinfecting indoor air.1
- Filtration removes airborne particles including mold spores, many bacteria, and allergens.
- UVGI eliminates many harmful bacteria and viruses.
Existing buildings can be retrofitted with air disinfection systems, but the most economic long-term solution is to construct new buildings that maintain aerobiological cleanliness by design. Air circulation is often poor in older buildings, and there are limits to what retrofitted air-cleaning systems can do for them. New buildings can be built in which the airflow is more evenly distributed and in which effectiveness of air cleaning can be maximized.2 A variety of other technologies, including photocatalytic oxidation (PCO), ozone, pulsed light, and antimicrobial materials, are also available options for air and surface biocontamination problems.
Criteria for rating healthy buildings
Modern air disinfection systems can achieve high levels of air cleaning, but limited budgets often require us to ask exactly how much air cleaning is needed to protect health. This question ultimately hinges on how buildings rate:
- aerobiologically — the indoor levels of airborne microbes
- epidemiologically — the infection risk of the building
Airborne levels of microbes
Indoor air contains a great variety of bioaerosols, most of which are relatively harmless to healthy humans. The concentration of airborne microbes in indoor environments, treated collectively without regard to species, provides a reasonable indication of overall aerobiological air quality. Levels of bacteria and fungi vary by season, with lows in winter, and increase with occupancy, as people are the primary source of contagious pathogens. Airborne levels are measured in terms of colony-forming units (cfu) of bacteria or fungi per cubic meter. Some hospital operating rooms are designed to maintain levels as low as 10 cfu/m3, although this level often proves difficult to achieve. Levels in homes and offices need not be this low, making solutions there less cost-prohibitive.
Infection risk
The infection risk (IR) of any building might be estimated by collecting data on infection rates and symptoms or through methods of risk analysis.3 Another approach is to estimate the risk using computer models of building airflow to calculate daily doses of inhaled contaminants. Airborne levels can be easily, if not always accurately, assessed with air samplers. The IR to an occupant in a particular building can be evaluated from epidemiological data. The IR can also be inversely viewed as the percentage of occupants protected from infection, a parameter called the building protection factor (BPF).
The BPF is the complement of the IR— a low IR implies a high BPF— and it can be used to rate and compare buildings under a common design basis. The BPF is primarily a function of the volume, airflow, outside air fraction, and removal efficiency of the air disinfection system. Being an intrinsic property of the building, it applies generically to all microbial species.4
Buildings differ according to their operating parameters. A completely unprotected building may have a BPF of 0% to 1%, whereas a building that maximizes protection of occupants may have a BPF of up to 99%. BPF can be considerably improved in existing buildings through the addition of air cleaning or other ventilation system improvements.
At least four general categories of buildings have been suggested:1,5
- Problem buildings foster aerobiological problems or act as amplifiers. Their airborne levels may exceed 10,000 cfu/m3. IR can approach 99% or more and BPF 1% or less.
- Normal buildings have average airborne levels, about 500 to 5000 cfu/m3. Typically, IR is about 50% to 75% and BPF about 25% to 50%.
- Healthy buildings promote good air quality and health or are above average. Airborne levels are 100 to 1000 cfu/m3. Typically, IR is less than 50% and BPF 50% or higher.
- Immune buildings are designed to actively prevent airborne disease transmission. Airborne levels are as low as 10 cfu/m3. IR is less than 10% and BPF 90% or higher.
Disease-free buildings
Buildings concentrate allergens due mainly to the protective effects of shade, warmth, substrate materials, and moisture. For the same basic reasons, they act as vectors (carriers) for contagious airborne diseases. Humans have been building enclosed habitats for perhaps half a million years, and in this course of time airborne pathogens evolved the ability to survive indoors just long enough to transmit to new hosts. They have adapted to our enclosed habitats so completely that they cannot survive outdoors. This evolutionary process accelerated when man began husbanding animals, from which almost all human pathogens seem to have jumped species. The evolutionary process continues today as emerging pathogens adapt to indoor transmission, and the number of new disease species has increased exponentially over time, in concert with the size and density of the human population.4
By designing our habitats strictly for human comfort, we have unwittingly fostered the adaptation and proliferation of dangerous pathogens. It is only by re-engineering our buildings to eliminate, rather than foster, airborne disease transmission that we can reverse this evolutionary trend. By immunizing enough buildings against disease, it is theoretically possible to develop herd immunity in a community or city. The percentage of buildings that would need to be immunized to block an airborne epidemic is similar to the percentage of a population vaccinated to achieve herd immunity, and depending on the contagiousness of the species, this may be as low as 30%.4
In addition to air disinfection and improved delivery of clean air, there are other factors that can aid in the development of healthy buildings. Rugs, carpets, furniture, draperies, and the like can absorb mold spores and regenerate new ones if they become wet. Material selectivity can be one beneficial approach, and other alternatives include the use of self-disinfecting materials, pressurization, and isolation of zones within buildings, including the provision of buffer zones between the inside and outdoor air and the creation of clean inner zones safe from airborne health threats.
Regulating healthy buildings
Implementing changes to building construction on a vast enough scale to control epidemics would require governmental programs. As yet there are virtually no existing standards or laws regarding the aerobiological healthiness of buildings. It is curious to note that airborne chemical contaminants are regulated in many states while airborne pathogens, which cause far more fatalities, are not.
The key to regulation is the development of aerobiological air quality standards. Several organizations and government agencies are involved in the control of disease epidemics, including the Centers for Disease Control and Prevention (CDC), National Institute of Occupational Safety and Health (NIOSH), and World Health Organization (WHO), but none of them is responsible for regulating the living environments in which these diseases are transmitted.
The task of improving air quality in homes, schools, and offices has mostly fallen to independent professional societies. The American Society of Heating, Refrigerating, and Air-Conditioning Engineers (ASHRAE) has had a long and active interest in air quality, healthy buildings, and green buildings, and it is currently developing new programs in these directions. The International Ultraviolet Association (IUVA) is currently drafting a set of guidelines to assist in the design, development, implementation, and testing of UVGI and other air- and surface-cleaning systems.6
Aerobiologically green buildings
Green building design is a field geared toward constructing sustainable indoor environments without damaging the environment. Green is clean, as they say, and healthy. The concept of human health is intrinsic to both this field and to aerobiological engineering, and common ground can be found through the exploration of aerobiologically green buildings that implement sustainable technologies for air and surface cleaning.
An example of where these fields overlap is the selection of building materials and furnishings that are both ecofriendly and less likely to contribute to health problems. Solar exposure can provide benefits, since sunlight can destroy mold spores, bacteria, and viruses. Radiant floor heating is an energy-efficient alternative to covering floors with carpets, as are dedicated outside air systems that efficiently control humidity.7 Although forced air is generally considered a necessity for air cleaning, buildings can also be naturally ventilated using wind energy.8
Hygienic protocols
Engineering may go a long way toward the control of airborne diseases, but it may not be sufficient to eradicate them if other transmission routes remain unattenuated. Direct contact may be the dominant route of infection for many pathogens considered airborne, and engineering alone cannot control unhygienic human behavior. People must be educated to protect themselves, and for this purpose we need to define a set of protocols for human hygiene. These might include hand-washing procedures, quarantining contagious individuals, and other commonsense practices that can be taught in elementary school.
Many office workers today are so motivated they come to work during the contagious phase of their infection, placing other workers at risk. Economic losses from lost work and diminished productivity can be staggering.9 Working at home and in-office quarantine are two options for employers.4
What can the individual do?
The most important thing individuals can do to protect themselves against airborne disease is to become educated about sources and transmission routes of airborne pathogens. Proximity to a contagious individual for as little as one hour can cause a secondary infection. Families with children must be especially careful since the youngest children tend to bring home diseases from schools, which are then transmitted to the rest of the family. Frequent hand washing and isolating sick children in bedrooms is one approach to protecting the rest of the family.
In regard to allergens, the home environment can be improved in some simple ways even without air cleaning. Old rugs and carpets that absorb spores can be cleaned, removed, or replaced with alternatives such as linoleum or other growth-resistant materials, and the amount of sunlight entering a home can be increased in various ways.
Misconceptions about disease must be dispelled. For example:
- The myth that colds and flus come from outdoor air has persisted since the ancient world and is kept alive every time children are told to "bundle up or you'll catch a cold."
- Another popular misconception is that some disease is beneficial, or that disease makes you stronger, but such fuzzy ideas are not grounded in science. Acquired immunity from pathogenic disease is always specific, never providing any general protection, and is often temporary at best. It is true our bodies are filled with friendly bacteria that were once parasites, but if selection for antibiotic resistance is allowed to continue, millions could become victims of unnecessary plagues.
Humanity stepped beyond the hardships of living in the elements by building habitats, but modern human culture and technology have created new contingencies and unexpected problems. It is well within human capabilities to redesign buildings and cities to be resistant to epidemic airborne disease, which is arguably the most serious threat we face today. Human health is a global concern, and achieving it begins with education, redesign of living environments, and large-scale implementation of aerobiological standards. The ultimate goal of these efforts must be disease eradication; all other remedies are merely triage and half-measures that fail to deal directly with the environments that are the root of the airborne disease problem today.
© 2008, American Institute of Biological Sciences. Educators have permission to reprint articles for classroom use; other users, please contact email@example.com for reprint permission. See reprint policy.


text:
Nicola Morgan, the Crabbit Old Bat, is an award-winning author of around 90 books across many genres. For the last few years, she has given crabbitly honest advice to determined writers, here and in her books, WRITE TO BE PUBLISHED, WRITE A GREAT SYNOPSIS, DEAR AGENT and TWEET RIGHT.
Friday, 1 June 2012
Don't give up the day job - get stroppy
I would add only that the discounts nowadays are on average painfully high. And most books are not as much as £10 even before the discount. But I appreciate very much that Stroppy was being kind to my poor mathematically-challenged brain by using round numbers as examples.
Thank goodness for Stroppy and Crabbit!
3 comments:
- catdownunder said...
A good paperback here is usually well over the equivalent of £10 - $28 to $40-45 is not unusual. Authors of course do not see any extra. Is it any wonder we find it hard to support our local indie bookshops?
- 1 June 2012 at 09:48
- Jan said...
Can I add an even more depressing fact? I'm a co-author (what used to be called a ghostwriter) so of course I only get half of the stated royalty rate. But on the last couple of contracts (with a reputable publisher)I've noticed that the author has agreed to purchase a huge proportion of the first print run at a massive discount. Good for the author who sells books at a lot of events and can sell them at the cover price; reassurance for the publisher who guarantees that they'll cover their costs. Bad news for me because those books aren't producing significant income. And how, exactly, does that differ from vanity publishing?
- 1 June 2012 at 10:42
- Stroppy Author said...
Thank you, Crabbit!
Jan, I have not come across that particularly iniquitous practice. How awful! Why did the writer agree to it? If they are famous (usual reason for needing a ghost/co-author) do they *really* want to spend their time selling books?
- 1 June 2012 at 20:41


text:
Flight Simulator II (Atari ST)
Published by
Developed by
Also For
Critic Score
100 point score based on reviews from various critics.
User Score
5 point score based on user ratings.
Not an American user?
DescriptionThis flight simulator simulates a real aircraft, the Piper PA-28-181 Archer II. For those with the knowledge, it offers practice with the variables of flight, including the avionics. The Atari ST and Amiga releases instead simulate the Cessna 182RG single engine propeller aircraft and the Gates Learjet 25G twin engine jet.
The game has more features than first generation flight simulators. Pilots are expected to pay attention to small details. SubLOGIC encouraged the players to go to flight stores and purchase flight-training manuals and aeronautical charts to help them understand the variables within the program. The game is oriented toward pilots-in-training, but there are options for laymen too: an easy mode, and a slightly more detailed reality mode. These modes do not require the same level of knowledge.
Flight Simulator II is packaged with a WWI dogfighting game, called WWI Ace. In this game the plane is armed with bombs, machine guns, and a radar screen. The radar screen is anachronistic for a game set in World War I, but it is there to make the gameplay easier.
Promo Images
There are no promo images for this game
Alternate Titles
- "subLOGIC Flight Simulator II" -- In-game title
- "AM-FS2" -- Amiga title
- "A2-FS2" -- Abbreviated Apple II title
Part of the Following Groups
User Reviews
There are no reviews for this game.
Critic Reviews
|ACE (Advanced Computer Entertainment)
|Feb, 1988
|9 out of 10
|Joker Verlag präsentiert: Sonderheft
|88 out of 100
|ASM (Aktueller Software Markt)
|Mar, 1987
|10 out of 12
|ST Action
|Jul, 1988
|81 out of 100
|Your Computer
|Mar, 1987
There are currently no topics for this game.
- ACE (Advanced Computer Entertainment)
- March 1991 (issue #42) - Included in the list Greatest Games of all Time in category Simulations (editorial staff choice)
- Computer Gaming World
- November 1996 (15th Anniversary Issue) - #79 on the "150 Best Games of All Time" list
- Happy Computer
- Issue 04/1985 - #5 Best Game in 1984 (Readers' Vote) (Commodore 64, Apple II and Atari 8-bit version)
Related Web Sites
- Flight Simulator History (A thorough timeline and gallery for the subLOGIC/Microsoft Flight Simulator, from 1980-2005.)
Andy Voss (1876) added Flight Simulator II (Atari ST) on Jun 02, 2005
Other platforms contributed by Andy Voss (1876), Kabushi (229490), Jacqke (1014) and Matthew Toschlog (24)
There are no game credits on file for this release of the game. Everything in MobyGames is contributable by users.


text:
From the juiced-box and the soundtrack: RZA – Ode to Django (The D is silent)
[Press 'Play' for "Two beers for two weary travelers"]
Final Proof: 4½ Shots
You know how you get drunk in a video game? It gets so bad you don't feel like you're playing it but that you're in it, deep in it, no longer a player but the real thing, absorbed and walking around someone else's alternative reality. The violence is larger 'n' life is shorter and the blood is redder with the bad guys deader and there's lots of action from beginning to end and if it won't break at least you can bender. While you're staggering through all the various levels releasing souls left and right and some of the levels may resemble each other but it's still tons of fun with ultra violence so far gone it's exciting and hilarious at the same time with the blaring music egging you on deeper into the story where each doorway opens onto a surprise more intense until you reach the Boss ending. Django Unchained is like that video game.
i told myself i was gonna give this movie ½-shot less than i gave Inglourious Basterds, but Inglourious Basterds should've been a 5-shot movie and you can tell i wrote that review in my drinking days because i didn't give it all it was due. So ½-shot less than the 5 i should of given Inglourious Basterds makes this an even 4½.
Why ½-shot less? Because Django Unchained is the second shot from the same bottle of Inglourious Basterds. In IB we had the holocaust, in DU we have slavery. In IB we had Brad Pitt, in DU we have Leonardo DiCaprio. In IB we have Bowie as an anachronism, in DU it's pre-civil war rap. The good news is, if you liked Inglourious Basterds, you're going to like Django Unchained–and i fucking loved Inglorious Basterds.
The other little thing i didn't feel so much was how the ending went long. It was like after closing time and you're the bartender and that one lonely chick is babbling on and on and you're too polite to walk out on her, but still you pay more attention to your watch than you do her. Tarantino could've ended this 10 minutes earlier's all i'm sayin'.
Now for the easy part. What went right.
i like Tarantino a lot and i'll tell you why it's because he makes fun movies with talent. He's Dostoevsky writing comics. Rodin with Silly Putty. A French chef preparing deep fried bacon. He takes tacky and makes it art, transforms kitsch into cool.
But he had help here, and the help i'm talking about are the cast because the actors here acted the shit out of everything. Christoph Waltz as Django's mentor Dr. King Schultz was good, no doubt about it, but Waltz's good in everything and here he only got to act in one language, not like Inglourious Basterds where he got to rock in 3 languages. It was fun seeing Don Johnson again and he's looking pretty good and acting the part but the real acting was done by Jamie Foxx who was Django and he was Django for real. To be Django he had to be proud yet cool when he was in the shit and Foxx played both sides of that double edged dagger to perfection.
But you know who was also just as good was Samuel L Jackson who played Stephen the head slave. i didn't even recognize him at first and the way Stephen came to life as this sassy boss slave who knew exactly how far he could push it before going too far, yet so loyal to the system that trapped him was inspiring. i don't remember if Jackson got nominated for an Oscar for this role, but he sure should've ahead of Waltz, in my blog.
i'm not ignoring the women. Hell, you know me and if you don't i'm the one who bought you that drink just before he threw up on your shoes that one time, i'm all about giving the women their credit. The only problem with that here is that there weren't a whole lot of women in slave times. The ladies in this movie do the part justice, but don't have very meaty characters to flesh out. A notable exception is Laura Cayouette who is Lara Lee Candie-Fitzwilly, a proper southern lady. Cayoutte give us lots to smile about with her tongue in cheeky portrayal.
Tarantino has a gift and he's giving it to us hard here, pushing it all the way home. He has a feeling for film that goes deeper than any other director and can reach places no one else can. You will laugh out loud, you will turn your head in disgust, you will lean on the edge of your seat and your eyes will be angry that they can't look everywhere at the same time. Your muscles will clench your hands will sweat and you will hold your breath for two hours while your mad eyes burn from not blinking.
Some people are gonna wanna tell you this is too violent but that's a load of horseshit because it's true. This is Tarantino for fuck's sake. Do people complain about the nudity in porn? The swearing in rap? The fat in Denny's meat? Of course they do, but the fuckers that do need to be taken out back and shot because porn, Tarantino and Denny's meat fulfill their higher purpose and answer the call with no hangups. "If you don't like the shit, climb out of the outhouse," my Grandpa used to say (or would've if he was as fucked up as me).
Buzz Kills (Watch Out for Spoilers)
Sex: 2 Shots
The funny thing is, i was sure there were a couple nude scenes in Django Unchained, but then when i look back at my notes (during movies i take notes like a teenager in sex ed) i can't find any reference to nudity. And i'm the kinda guy that would reference that. So i brought this down from 3 Shots to 2.
Here's the only shit i wrote down about the sex in Django Unchained:
- Underside of JF's [Jamie Foxx's] balls as he hangs upside down.
Still, even if there's a shortage of naked in Django, there's no shortage of talent…or beauty.
My first piece of evidence is Kerry Washington, who plays Broomhilda just right.
As with most of the actresses i'll exposé here, there's some single shots of Kerry all the way down at the bottom if you scroll to the part where it says "Al K Hall's Drawers".
After that, there's also Nichole Galicia, who is Sheba, Calvin Candie's (Leonardo DiCaprio) bit of dark chocolate whose job is apparently to sit around the plantation, drink, and look like this.
Appearing as Candie's sister, Lara Lee Candie-Fitzwilly, is the lovely and gifted Laura Cayouette. Here's some of her gifts.
And don't forget Amber Tamblyn as the Daughter of a Son of a Gunfighter. And when she looks like this, how could you?
Some of the actresses that were in Django Unchained far too briefly for my taste…
Zoë Bell, as "Tracker", and how sad but cool was it that she wore a bandanna over her face the entire movie?
Louise Stratten was a Daughtrey Saloon Girl.
As was Shannon Hazlett, the other Daughtrey Saloon Girl.
Last but not at all least is the adorable Sharon Pierre-Louis who came as Little Jody.
For those of you more interested in Southern Beaus than Southern Belles, we have…
Leonardo DiCaprio…in the Bar None.
Here's Mr Beau Django himself, Jamie Foxx.
There's some shots of him at the top of my drawers down below.
Drink: 3 Shots
Booze played a big role in Django Unchained even if it didn't play that important of one, which is a perfect 3 shot recipe.
Good morning, Innkeeper! Two beers for two weary travelers.
–Dr. King Shultz escorting Django into a saloon [and also the start to the song at the top of this post]
- Leo's [Leonardo DiCaprio] lawyer orders sweet tea & bourbon at bar in house
- Champagne on ice in glass ice bucket
- Other Mandingo owner orders a tequila after his slave dies
- A tall beer for the winning slave Mandingo
Polynesian Pearl, and do not spare the rum.
–DiCaprio [Calvin Candie]
- Champagne and wine at lunch…
- White wine at Candie's dinner
To Eskimo Joe, or shall we call him the Black Hercules.
- Brandy after dinner
- Stephen (Samuel L Jackson) drinks brandy while explaining the situation
Rock & Roll: 4½ Shots
And i woulda gone a full 5 shots if the ending hadn't dragged on a little.
Besides, how have you not stolen / bought / copied / torrented / use netted the soundtrack to Django Unchained yet? It's not rock and roll but it's almost better. Tarantino has an incredible ear for this kind of shit because the soundtrack goes everywhere from spaghetti Western guitar shit (Ennio Morricone) to 70's shit (Jim Croce "I Got A Name" and Richie Havens "Freedom", unfortunately not on the soundtrack album) to some kickass rap, like the song i put at the top and this one i'mma include right here.
Rick Ross (written by Jamie Foxx) – 100 Black Coffins
Add to this cool ass music the Tarantino action that redefines action the same way God redefined earth when he invented it, and you see why i gave this some bitch so much respect.
Boring Technical Crap
Written by: Quentin Tarantino
Directed by:
Quentin Tarantino
Kerry Washington – Broomhilda
Nichole Galicia – Sheba
Laura Cayouette – Lara Lee Candie-Fitzwilly
Amber Tamblyn – Daughter of a Son of a Gunfighter
Zoë Bell – Tracker
Louise Stratten – Daughtrey Saloon Girl
Shannon Hazlett – Daughtrey Saloon Girl
Sharon Pierre-Louis – Little Jody
Jamie Foxx – Django
Christoph Waltz – Dr. King Schultz
Leonardo DiCaprio – Calvin Candie
Samuel L. Jackson – Stephen
Don Johnson – Big Daddy
Bottom Line
See it. This is that "Holy Shit" moment you been waiting on for awhile now.
Haven't Had Your Fill of the Booze Revooze? Click here for another round.
Al K Hall's Drawers
That's it for the words. For those of you who continue, there's nothing but the pictures.
i always start off with the guys so the ladies can bail before i exposé the actresses.
Kerry Washington / Broomhilda
Nichole Galicia / Sheba
Laura Cayouette / Lara Lee Candie-Fitzwilly
Amber Tamblyn / Daughter of a Son of a Gunfighter
Zoë Bell / Tracker
Sharon Pierre-Louis / Little Jody
Haven't Had Your Fill of the Booze Revooze? Click here for another round.


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