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BNM Writers
Don't Be Afraid of the Paywall
The advent of in-car smartphone apps and Wi-Fi have given people easy ways to access commercial free alternatives to the advertiser saturated content on the dial.
I was talking with a former radio colleague of mine a few months ago. We got into a rather lengthy discussion about online radio listening and on-demand content.
We segued into a discussion about subscription-based services.
"It's shocking to me why radio operators don't put their content behind a paywall," I said.
"Hell no," he replied. "We could NEVER do that!"
"Why not?" I queried.
"People would never pay to listen to our shows. If we started charging them money to listen to our content, they would just go somewhere else!"
That line gave me a EUREKA moment. What my former colleague said is perhaps the radio industry's biggest problem- they don't have enough faith in their own content.
A someone who spent nearly three decades working for terrestrial radio stations in eight different markets across the country, this pains me. Radio is missing out on a golden opportunity to break open new revenue streams that they desperately need. The solution has been sitting in their studios the entire time.
Radio's biggest asset is their content. And more operators need to double-down on that. Company to company, market to market and station to station, radio still boasts the biggest portfolio of local and syndicated talent in the country. Yet, they don't maximize the revenue from this talent. Instead of putting a dollar value on that content, they'd rather give it away for free and make money the way they have for 100 years…spots and dots.
Radio's efforts to generate new revenue streams have been mixed, at best. I've seen first-hand the dabbling into things like e-commerce, e-mail marketing, SEO and website building. Eventually every new fad I've witnessed championed has, for the most part, fizzled out within a year or two. Why? Because nothing they come up with is innovative. Everything I've seen radio get into had already been done by the Groupons, Go Daddy's, Googles and Amazons of the world…and those companies did (and continue to do it) it far better.
Radio is using an antiquated revenue model, relying too heavily on selling ads to survive. One problem, spot revenue has been on the decline for well over a decade. Advertisers are seeing higher ROI by investing in more non-traditional campaigns to get their messaging out.
What's worse, radio has seen serious listener erosion for a long time. In large part because younger consumers have grown tired of having to soldier through 20+ minutes of commercials in a given hour (or even one of those damn "Kars4Kids" spots).
Time and time again, consumers (younger ones, in particular) have proved with their wallets that they will pay a few extra bucks for quality commercial free content, on virtually every platform. Hell, its as if they're conditioned to do so.
Netflix Revenue in 2019 was over $20 billion.
Disney+ managed to gain over 60 million subscribers in less than a year.
Spotify did almost $7.5 billion in revenue in 2019.
SiriusXM is now a $2 billion company and has already swallowed up competitors in Pandora and Stitcher.
Huge multinational corporations like Apple, Sony and Amazon are pouring cash into developing original audio content.
And the list goes on and on.
The advent of in-car smartphone apps and Wi-Fi have given people easy ways to access commercial free alternatives to the advertiser saturated content on the dial.
Everyone has already left for the party and radio is still in the bathroom fixing their hair. The truth is, they look fine and should have been at the party hours ago.
There will always be room for ad-supported content in the audio world. But the reliance on it needs to be drastically reduced and a big part of the needed shift should include the building of paywalls to support subscriber-based content.
As I prepared to write this column, I did a little-self exercise. How many commercial-free subscription services do I actually have?
Here's my inventory:
You Tube Premium
Amazon Prime Video
Disney +
CBS All-Access
HBO Go
New York Times
Spotify Premium
The Economist
The Athletic
TuneIn Premium
NFL Sunday Ticket
Crunchyroll (my husband is a big fan of anime)
DC Universe
World of Wonder
That's a lot. And by the way, as anyone will tell you, I ain't rich! But what's an extra $15 dollars a month if I get to see John Oliver and Bill Maher every week? What's an extra $25 a month if I can listen to Stern?
And to be honest, if my favorite terrestrial radio talent were pushed behind a paywall, the decision for me would be easy.
As a die-hard (and constantly suffering) Detroit Sports fan, I'm an almost daily listener of Mike Valenti's on 97.1 The Ticket. His Monday shows after Sunday Lions debacles are must-listens. If I can get the Radio.com app to NOT crash on me, I make a point to be logged on to his live stream.
That being said, If Entercom were to tell me that I'd have to pay $5.99 a month to listen to his show online, get commercial free access to his podcasts (and maybe some additional bonus content), I'd sign up without even giving it a second thought. I'm guessing a decent chunk of his nearly 200,000 weekly listeners would do the same.
Even if say, 5% of his audience (10,000) agreed to pay that subscription fee, that's $60,000 in revenue. How many radio stations would turn down a $60k annual these days?
All is not lost. There are some operators who are moving in the right direction. No one does digital better than iHeart. Yes, they have the largest scale, but they have also invested more than anyone else in top tier talent as well as the technology to deliver it. In 2019, their podcast revenues alone were about $100M. A big reason for that is because they've approached things fearlessly. Sure, they have ad-supported content online. But they also created a space for the paywall as well. iHeart Radio Plus and iHeart Radio All-Access are upgrades to their digital content services that unlock different features such as ad free artist radio. On a smaller scale, Good Karma is starting to do the same as they continue to grow their footprint.
Radio has, for the most part been far too conservative. They're the guy at the poker table that gets bluffed easily, may win a few hands, but would rather fold than call. At some point, they're going to have to push all their chips into the center of the table. Otherwise, like that overly cautious poker player, they'll continue to slowly hemorrhage money until it's time to call it a night.
Ryan Hedrick serves as the Assistant Program Director and Co-Host of the Morning News Express at WFMD. Prior to WFMD, he hosted an afternoon program at News Talk 103.7 FM in Chambersburg, PA. He has worked at Sirius XM in Washington D.C., WBEN in Buffalo, NY, and for stations in Baltimore, MD. He has also worked at WIBW-AM in Topeka KS, earning the Kansas Association of Broadcasters (KAB) award for Major Market enterprise reporting in 2016. To connect with Ryan, find him on Twitter @SureToCover.
BNM Writers
Andrea Kaye Learned Tough As Nails Attitude From Her Marine Corp Parents
"My fantasies didn't involve radio as a kid, but they did involve my voice. And they did involve using that voice in some way to influence."
Her mother called her 'dynamite in a dress.' Andrea Kaye had an explosive energy and temperament. Her mother may have been right about her daughter's intensity, but she was wrong about the dress.
"She thought I was going to be like my older sister, in a dress, playing with dolls. I was a tom-boy as a kid," Kaye continued. "I was riding a bike with no shoes, riding like a crazy kid, and scraped off all my toenails. Our neighbors, 'the Reen sisters', comforted me while Mama wrapped my feet in bandages.
"We called them the Reen sisters because all four of them had 'Reen' at the end of their names; Doreen, Maureen, etc. Another time I jumped off an air conditioning unit and almost bit my tongue in half. To this day, my family still laughs about that stuff."
Her tomboy ways kept her a regular fixture at the Camp LeJeune emergency room. But even when she wasn't getting into scrapes while playing, she got into scrapes and arguments over politics.
Also as a kid, Kaye would have intense conversations with her Uncle Jake, a Colonel at Fort Benning. "All the adults in the room would ask why he was arguing with a child," Kaye explained. "My Uncle said, 'Because she's making a darn good point.' He made me feel respected. He never treated me like a child."
Both parents were in the Marine Corps. Kaye never seemed to shy away from being called a 'military-brat.' The kid was tough as nails. She brings some of that toughness to The Andrea Kaye Show, which broadcasts on Monday-Friday from 6:00-8:00 PM on The Answer San Diego.
Her mother grew up on a dairy farm in a little town near the Mississippi and Louisiana border. Not far from where Kaye went to high school, Slidell High. "Mama knew what hard work was," Kaye explained.
Her mother worked extremely hard each day, especially after her mother Mary Lee got burned in a house fire. She had to help raise her younger sister while running the farm. "Compared to what she had to do on the farm, the Marine Corps was a vacation," Kaye explained. "Mama has a tee-shirt that reads, 'Not as Mean, not as Lean, but still a Marine'. Could be why she beat four cancers in three years. Not what you would call a 'fluffy' life."
Kaye's grandmother on her father's side, worked in a textile mill in Opelika, Alabama. This was the same mill in which they filmed Norma Rae, starring Sally Field.
"With nothing but sixth grade education there weren't many options," Kaye said.
The work took a toll. Her grandmother lost most of her hearing and got black lung. Her dad grew up on a dirt floor and dreamed of a better life with travels to foreign lands and was thrilled to join the military as a way out. He believed in the American Dream and instilled that inspiration in Kaye.
"We'd drive around and he would show us the neighborhoods we could live in if we got an education and worked hard."
They had a lot of love while growing up in the family, but Kaye wouldn't call it an emotionally nurturing childhood. Marines who were battle weary and from tough and impoverished childhoods aren't necessarily the types to coddle.
But they were the types to play lots of board games and cards, like gin rummy. Rides at amusement parks across the country were a family staple.
"We'd watch lots of movies and TV, especially musicals," Kaye said. "Who knew two Marines could love The Sound of Music and Fiddler on the Roof so much?"
One time her mother bribed Kaye's brother and his friends with cookies and cake if they would watch her perform songs from The Sound of Music.
"Mary Lee was my mother's mom. She had to be tough because her husband died while my mom was in the womb," Kaye said. "She didn't have time to be nurturing with four kids and a dairy farm to run."
She said Mary Lee would babysit often.
"She didn't believe in sugar-coating for kids," Kaye said. "One of my sisters asked her what a dead person looked like?"
Mary Lee packed the kids into the car and took them to a viewing with a dead man in a coffin and said, 'This is what a dead person looks like.'
"You asked her a question and you got an answer," Kaye said. "Mama was the same."
That didn't mean her parents didn't love them, Kaye explained.
"They didn't believe like today's parents that everyone should get a trophy and everyone had to be happy every day. We were raised with the pragmatic truths of life. They were all about supporting what we wanted to do. There were no barriers to those dreams. That was instilled in my sister, brother and me."
Kaye was born at Camp LeJeune Marine Corps base, living in the base housing Tarawa Terrace, also known as "Terrible Terrace". They moved around a bit but settled in the New Orleans area.
"I loved everything about the military," Kaye said. "I loved the bases, uniforms, marching, the regiment, the chain of command. I loved the military bearing and authoritative presence they had at all ranks. I was mesmerized by it all. Daddy was a Vietnam vet and when he was deployed, multiple times.
"Me and my siblings and Mama went back to the dairy farm with grandma," Kayes said. "My father never talked about his time in the service. We had no idea what he did. My sister, Donna, who we just called Sister, asked Daddy once what he did for a living. He said, I shoot the bull all day. So when she was asked once what her dad did, she told them, "He shoots bulls."
The mystery of the military was part of the allure. Kaye was so enamored with the military, she gave some thought to how great it would be if she could attend West Point after the family had visited. Her mother and father brought the military with them when they took a break from the base.
"Even though I love the military, I had a love and hate relationship with regiment when Dad and Mom took us on a vacation," Kaye said. "We had to get up at 4:00am. It wasn't like my father was harsh like the pilot Bull Meecham in The Great Santini. Still, we had a very specific way of doing things. I learned to fold clothes according to regulation"
Kaye was always interested in going to college, imagining where she might enroll. She ended up choosing Louisiana State University to study political science.
"LSU was an amazing experience," she said. "Louisiana is like being in another country. The language, food, culture. LSU is the perfect educational community of the unique culture. I embraced every aspect possible. I joined a sorority and lived in the house. Spent Saturday nights in the famous Tiger Stadium called Death Valley, and ate my weight in crawfish. I wanted the big university experience, and I got it."
She'd thought about becoming a lawyer, perhaps a Supreme Court justice.
"I became obsessed with politics during my teen years," Kaye explained. "I studied political science at LSU, admitted as a 17 year-old. I also gave some thought to becoming an attorney. In my family there was a constant theme of justice, of right and wrong. I have always been fascinated by true-crime."
Kaye said her parents were always concerned about justice, committed to their beliefs of right and wrong. Always looking to improve her circumstances, instead of working her normal summer job at Fasulo Drugs in Slidell, she got a job in the French Quarter selling timeshares.
"I was able to make more money in six or eight weeks over the summer than I'd make all year working at the drugstore," Kaye explained.
It was then Kay recognized she had an aptitude for sales. During her third year at LSU, she decided to switch her major to business. "I'm glad I did. There's such an intersection between politics and business. I already loved politics and needed to learn more about business."
She visited La Jolla, California after she graduated from LSU. It was a quick vacation but she fell in love with the area, and state. After graduation she started her first corporate job with No Nonsense panty hose.
"I was going around to K-Marts and other retail stores around Louisiana," Kaye said. "I traveled around the state. It was a great first out of college job, but not a life choice. I earned my bones at No Nonsense. It was a grind."
She couldn't shake her love for La Jolla and San Diego, so she quit her job at No Nonsense and moved to San Diego, where she was hired by Xerox.
"Xerox sent me to Las Vegas, a branch of the San Diego office," she said. "You have no idea how hot it is to be in a suit in Las Vegas when the temperature is 115-degrees. Still, I'd take it over the Florida heat and the mosquitos in New Orleans."
After a year in Vegas, Xerox relocated her to San Diego. Xerox is where she made her bones, working in one of the toughest industries, and for a legendarily tough company.
Kaye said she may live in California, but her soul is on the New Orleans Bayou.
"I love, love, love Louisiana," she said. "Down to the core of my being. One of the reasons I left was because after the oil industry crashed, so did the economy. There was a not so funny billboard outside Lafayette that said, 'Last one to leave, turn out the lights'. The economy had completely tanked."
At the time she left for California, Kaye said she didn't understand her soul connection with New Orleans. "I didn't know how much I'd miss it. I try to get back at least once or twice a year and still have family and friends there."
The transition from sales to media wasn't all that difficult for Kaye. She said every company she worked for required her to do some kind of media work.
"When I was with No Nonsense, I would join radio stations on the air when they were doing promotions from a parking lot. They'd talk to anyone. I would say, 'I'm Andrea from No Nonsense. Come and check us out.' It wasn't difficult for me. I just wormed my way in and identified myself and the product on the air."
She has 'acted' in corporate industrial videos and some infomercials. Again, this came naturally. She ended up getting an agent.
"It's different in New York and L.A.," Kaye said. "In those cities you can get an agent for particular things. An agent for acting, and agent for modeling. In San Diego, they only had agents that were a one-stop-shop. You were required to do any medium the agent put you up for. You'd be called upon to audition for commercials on TV, or a model in print ads, even some acting gigs."
Kaye appeared in one movie, Lore Deadly Obsession. The film was about real-life serial killer and cannibal Richard Chase, who killed six women and drank their blood in the late 70s. He was dubbed 'The Vampire Killer.'
"That was the first time they used the term 'serial killer," she explained.
Kaye is married but never had children. "It just wasn't my dream," she said. "I never had the fantasy of staying home and starting a family. That was Sister's dream, and she fulfilled it. So did my brother. My fantasies were about living a life that was different. Bigger and brighter than my folks and their folks before them. Just as each generation behind me lived a bigger and brighter life than those before.
"My fantasies didn't involve radio as a kid, but they did involve my voice. And they did involve using that voice in some way to influence."
Fantasy achieved.
Jim Cryns writes features for Barrett News Media. He has spent time in radio as a reporter for WTMJ, and has also served as an author and former writer for the Milwaukee Brewers. To touch base or pick up a copy of his book: On Story Parkway: Remembering Milwaukee County Stadium, available on Amazon, email firstname.lastname@example.com.
BNM Writers
Should the Media Support Police?
BNM's Rick Schultz writes Never has the danger to police officers been greater, and never has the thin blue line been under such attack, so where is the media?
Never has the danger to police officers been greater, and never has the thin blue line been under such attack.
So where is the media?
This past weekend, Fox News @Night hosted a discussion about public support for the police and, in doing so, highlighted a group dedicated to wounded officers and their families.
Retired Las Vegas Police Detective Lt. Randy Sutton of TheWoundedBlue.com joined host Trace Gallagher to discuss the current state of affairs from law enforcement's perspective.
"Well, when it comes to America's crime crisis, something appears to be missing in society and in mainstream media, covering and honoring law enforcement officers who are wounded or killed in the line of duty," Gallagher began. "I want to know why it is that mainstream media, and that society, feels like, you know what, the war on police is not worth covering?"
"This news network is pretty much the only one that's giving the truth out about the war on cops. Last year, 207 police officers lost their lives in the line of duty. Almost sixty thousand were physically assaulted in the line of duty, Trace," Sutton responded. "They've been shot, they've been stabbed, they've been beaten. And yet, you don't even see it in the newspapers. It's barely covered because it's not politically expedient for the political Left and for the mainstream media to even cover."
Gallagher then drew attention to a graphic showing a mid-October statement from the National Fraternal Order of Police, @GLFOP, which read…
The spewing of anti-police rhetoric by some political and media figures as well as the failed policies of rogue prosecutors and judges, are placing our officers in greater danger. This culture of lawlessness must stop!
"A lot of people don't know when officers get injured, not only is the officer affected. But the family and a lot of things change," said Marcus Mason, San Bernardino Sheriff's Deputy, who was injured in the line of duty. "I spent about a month in the hospital, so my family had to drive to and from home, daycare, dropping off children, and doing different things to get people to work to get people to come see me and things like that. A lot of financial things are a burden put on your family. And so, The Wounded Blue was there to help my family in making those things easier. Whether it's paying for gas or the increase in groceries and things like that, and making things easier for my family to be able to come and spend time with me."
TheWoundedBlue.com's mission, as stated on the website, is to improve the lives of injured and disabled law enforcement officers. They place a strong focus on de-stigmatizing mental health within the law enforcement community, in addition to providing peer support and community outreach. Their emergency phone number – (702) 290-5611 – provides "immediate trust, validation, and confidentiality, which breaks down barriers when a person is in a vulnerable state."
Vickie Speed, whose brother-in-law was "executed in the line of duty," joined the panel to share part of her sister's recovery story after the violent episode.
"We got involved with Randy because he actually stepped in to help her with PTSD and trauma and I saw what he did," she said, noting that she also lost her husband to cancer. "Just losing my husband alone, I just had a real passion to give back and not just help widows, but I've actually run into law enforcement that's now retired, that's reaching out."
Gallagher pointed out that while the group's mission is crucial to families recovering from such tragedies, the real shame is that Wounded Blue is needed in the first place.
"My peer team, amazing people," Sutton said. "All of my peer team are officers who have been shot, stabbed, beaten, run over. And you know what, but I fully believe this, that the American people believe in their police and want to help. They want to have an avenue to help. And now we're giving them that avenue by supporting these wounded officers, by going to TheWoundedBlue.org and giving what they can, can make a difference. In fact, they might even save a life."
The question posed by Gallagher, although never definitively answered, is whether the mainstream corporate media will ever reflect the widely-held sentiment of most Americans. The feeling is that law enforcement should be applauded and supported, especially on the heels of a violent attack.
Rick Schultz is a former Sports Director for WFUV Radio at Fordham University. He has coached and mentored hundreds of Sports Broadcasting students at the Connecticut School of Broadcasting, Marist College and privately. His media career experiences include working for the Hudson Valley Renegades, Army Sports at West Point, The Norwich Navigators, 1340/1390 ESPN Radio in Poughkeepsie, NY, Time Warner Cable TV, Scorephone NY, Metro Networks, NBC Sports, ABC Sports, Cumulus Media, Pamal Broadcasting and WATR. He has also authored a number of books including "A Renegade Championship Summer" and "Untold Tales From The Bush Leagues". To get in touch, find him on Twitter @RickSchultzNY.
BNM Writers
The Power of Events and the Electronic Campfire
The past couple of months reminded me of some of the best events over a long radio career.
Of all the people who have ever played music on the radio, Jim Ladd (currently heard on SiriusXM's Deep Trax Channel) may be the most gifted communicator. I had the opportunity to work with and get to know Ladd when I programmed KLSX-FM/Los Angeles.
Ladd referred to radio as the "electronic campfire." Although he coined the phrase to describe FM progressive radio, it's a terrific descriptor of radio at its best. When a radio station is firing on all cylinders, it becomes a communal experience.
I always enjoyed big station events. Surrounded by staff and listeners, in a shared communal experience that only a fantastic radio team could create, is when I truly understood Ladd's term, "the electronic campfire."
The past couple of months reminded me of some of the best events over a long radio career.
The Philadelphia Phillies were baseball's Cinderella story this year, even if they turned back into a pumpkin two games short of the championship. What a ride for my Philadelphia friends and former colleagues.
The Phillies won the World Series in 2008 and earned a return trip in 2009. We had station rallies before each game and lit the WPHT tower in red light. Because Philadelphians are so sensitive about comments made by national announcers (and there are no local television broadcasts), we synced the local radio broadcast to the national broadcast. The legendary Harry Kalas called the final out in a moment etched into many Philadelphians' minds. Those broadcasts received some of the highest shares of the PPM era.
For 25 years, Philadelphia had a unique city holiday: Wing Bowl. The genius of Angelo Cataldi and Al Morganti conceived this event for the Friday before the Super Bowl at a time when the Eagles were perennial losers. What started as a chicken wing eating contest in a hotel lobby became one of the WIP's biggest annual ratings and revenue days. The morning show broadcast live from a packed Wells Fargo Center. Combine Mardi Gras with a chicken wing eating contest, and you have some idea of what Wing Bowl was. If you don't know, look do a quick search.
I also was involved in three of Howard Stern's victory parties, or as Howard called them at the time, the funeral for the competition. We did it in Philadelphia and Los Angeles – which was especially fun because we tapped into special effects available from show biz fans in Hollywood. The third time was in Cleveland, where I could enjoy the spectacle mainly as a listener.
When the Smashing Pumpkins came through the Twin Cities recently, it reminded me of the biggest radio event I've ever seen. In 1998 we had a struggling station in Minneapolis called Rock 100.3. We were trying to put the station on the map. Summers are short in Minneapolis, and the city celebrates with a week-long festival called the Aquatennial. Friday night is called the Block Party, with music on several different stages throughout downtown, sponsored by various radio stations.
Previously the biggest act the Block Party ever featured was The Black Crowes, drawing about 35,000. We promised to do better – even if we hadn't figured out how. After a lot of hard work and even more good fortune, we found the Smashing Pumpkins were looking to do a free unticketed show. In 1998 there was no band bigger than The Smashing Pumpkins.
We convinced then-Mayor Sharon Sayles-Belton that it would be good for the city and The Smashing Pumpkins played the Block Party in front of 125,000 fans on a 90-foot stage with a six-figure production budget on what was then a parking lot in downtown Minneapolis. If we had a two-share, every one of those listeners was at that show – and they brought a friend!
There were no significant incidents at the show, except for the inmate convicted of murder who escaped long enough to see the concert and was then taken back into custody without incident after the show.
Nothing like the free Smashing Pumpkins concert will happen again in Minneapolis. The site is now home to Mayo Clinic Square, which includes the Mayo's Sports Medicine Clinic, the offices and practice facilities of the NBA's Minnesota Timberwolves and WNBA Lynx, restaurants, office and retail space for Jack Links, and the 251-room Loews Hotel.
Not every event requires a six-figure budget, the most prominent band of the era, or booking the city's NBA/NHL facility. It's not even necessary to finish number one in morning drive and then engage in 1980s or 90s-style radio wars.
Stations that don't have budgets must be more imaginative in creating events. It is not an option for stations to discontinue events – at least those that hope to continue to attract an audience.
When I arrived at WIP, I found a station with a handful of morning shows. Each personality was an experienced entertainer and showperson. When we put them on the same stage together, it was magic. We did it in a public venue and held a debate about Philadelphia's favorite topic: The Eagles. We dressed the stage like a presidential debate and followed a similar format (it was during the 2008 presidential election). It became an annual event. Over the years, everything from the podiums, timer, wardrobe, and challenge flags (yes, we even had challenge flags) became sponsored. Moments ranged from hilarious to tense.
There were two total lunar eclipses this year. How fun would it be to get an expert from a local planetarium (or even an astronomy club) and invite listeners to share an experience in the middle of the night? Depending on the station's format playing "Dark Side of the Moon" either at the event or on the air.
Events (and personalities) build equity and loyalty for radio brands. Find a great radio brand, and you'll find a history of great personalities and big events. When Progressive Rock radio began, some, like my friend Jim Ladd, dubbed it the "electronic campfire."
Despite never-ending budget cuts, radio brands must continue to create events. Radio will have more commercials and compete against more narrowly targeted competitors. Podcasters, streamers, and satellite radio can't do local events. Few, if any, will ever create communal experiences the way radio has been for over 100 years. Fire up the campfire. The combination of personalities and events remains radio's best bang for the buck.
Andy Bloom is president of Andy Bloom Communications. He specializes in media training and political communications. He has programmed legendary stations including WIP, WPHT and WYSP/Philadelphia, KLSX, Los Angeles and WCCO Minneapolis. He was Vice President Programming for Emmis International, Greater Media Inc. and Coleman Research. Andy also served as communications director for Rep. Michael R. Turner, R-Ohio. He can be reached by email at email@example.com or you can follow him on Twitter @AndyBloomCom.


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Does the authoritative parenting style work? Learn more about how this parenting style equips you to discipline and lead your kids well.
Communication Styles
As you communicate the importance of chores for your teens, reinforce the spiritual significance of work and its impact on the heart, mind, and soul.
We all have baggage from our family of origin. But what do you do when you start repeating your own parents' mistakes? John and Danny provide a dose of hope to parents who are discouraged because of the family they came from. Featuring Milan and Kay Yerkovich. (Part 2 of 2)
You married someone who's very different from you! It's part of God's design. While your differences can be a lot of fun, they can also create a lot of tension. John talks to Erin about ways that a couple can have fun with their differences. Featuring Mrs. Melanie Shankle.
Have you been successful in making lasting changes as a parent? Try these small tips to make a big change in your family.
What is intimacy? What is the definition of intimacy? Sometimes people will do just about anything to get close to someone they find interesting, intriguing or just plain irresistible. Is that being intimate?
It takes intentionality to overcome the tendency for talk with your spouse to morph from meaningful to administrative. Deep, meaningful conversation is a must for couples hoping to stay connected.
Kind words are important to our marriage. We can use words that encourage our spouse or we can use words that hurt them. Which words will you choose?
The words we use can be a key factor in building trust. Recognize their power for change, and they become powerful tools in your relationship.
You can take the 4 animals personality test in a few minutes. The goal is to give you a picture of your and your spouse's unique, God-given strengths.

subset: commoncrawl


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Auto Detailing And Mobile Car Wash Insurance Wyoming Policy Information
Auto Detailing And Mobile Car Wash Insurance Wyoming. If you're thinking about starting WY auto detailing business, there's no doubt that you want to set yourself up for success. Of all the things the factors that you need to consider and decisions you need to be made, making sure that you are properly insured should be top on your list of priorities.
Car washes provide facilities for cleaning automobiles and other motor vehicles. Some are drive-through with either partially or fully automated conveyance of the vehicle throughout the operation. Hand washing, waxing, or interior cleaning of the vehicle may be offered, with customers sent to a waiting area.
Damage to the customers' vehicles is the primary exposure as machinery and washes can break antennas, pull off stripping, crack glass and damage tires. Some car washes are totally self-service, with the customer doing the cleaning. A few WY car washes offer off-premises mobile car washing services that clean customers' vehicles at their home or place of employment.
An auto detailing and mobile car wash insurance Wyoming policy can provide you with protection if you find yourself on the receiving end of a lawsuit for damaging a customers vehicle or worse.
Auto detailing and mobile car wash insurance Wyoming protects your business from lawsuits with rates as low as $29/mo. Get a fast quote and your certificate of insurance now.
Why Do Auto Detailing & Mobile Car Wash Businesses Need Insurance?
As an auto detailer, you will be providing a range of services to your clients. These services may include hand washing, waxing, wheel cleaning, and dusting and vacuuming the interior of various types of vehicles. No matter what type of services you offer, you'll be in contact with the general public, and you'll be working on one of the most important - and expensive - assets an individual can own: their car.
You may be working on expensive import sports cars, vintage vehicles, commuter cars, and family cars, too. It doesn't matter the type or the value of the vehicle you're servicing; it's someone else's property, and it needs to be handled with the utmost care and respect.
Regardless of your efforts to offer exceptional results, mistakes can happen. An employee could accidentally use the wrong type of wax on a car or scuff the paint. Should a mishap occur, you would be held liable for the damages and a client could potentially take you to court. The cost of the repairs, legal defense fees, and any settlement amount that a court may award can be exorbitant.
Mistakes aren't the only risks you have to worry about; a third-party could trip over your equipment, you tools and supplies could be stolen, or a staff member could sustain an injury while working. All of these situations could end up costing you an exceptional amount of money to correct; so much money, in fact, that you could end up facing financial devastation and potential bankruptcy.
That's where insurance comes in; if you are properly insured, instead of having to pay for any repairs, injuries, or other issues that arise out of your own pocket, your insurance company would cover the expenses. In other words, auto detailing and mobile car wash insurance Wyoming can help to save you from serious financial trouble; hence the reason why making sure you are fully covered is crucial.
What Types Of Insurance Should Mobile Car Wash Companies Carry?
There are several types of auto detailing and mobile car wash insurance Wyoming coverage that should be considered. The specific type of coverage you need depends on the unique details of your company; however, the following policies are essential:
This auto service repair insurance Wyoming is one of the most affordable means to cover your business and affords a minimal amount of protection against potential pitfalls. However, you can invariably bundle other policy types with a BOP policy to get a more comprehensive layer of protection to shield your business from financial loss and the fallout of any claims against you. Some of the most common addendums to BOP policies and rider policies that are sold to garage and auto repair shops include:
- Garagekeepers - Garagekeepers liability covers a customer's vehicle when you are performing your car wash services on it.
- Commercial General Liability - This type of insurance protects you against third-party property damage and injury claims. If an employee makes a mistake and damages a client's car, the client could file a lawsuit against you. In addition to covering the cost of the damages, a commercial general liability insurance policy will also assist with the cost of any legal defense fees that you may incur.
- Commercial Property - This policy will protect the physical structure of your commercial building, as well as anything within it; it also protects some of the exterior structures. If a fire occurs, a tree falls and damages the roof, or someone vandalizes your property, this policy would help to pay for the repairs.
- Inland Marine - Commercial property insurance doesn't cover tools and equipment that aren't on the premises of your commercial space. For that, you'll need inland marine insurance, which covers tools and equipment that are lost, damaged, or stolen when they are off your property.
- Workers' Compensation - Whether you employ a team of 1 person or 500, you'll need workers' comp insurance in almost every state. If a staff member sustains a work-related injury or illness, this policy will help to pay for any related medical care, as well as lost wages.
These are just a few of the essential types of auto detailing and mobile car wash insurance Wyoming coverage that are important. You can purchase individual policies, or you could select a comprehensive policy that combines various type of coverage under a single plan.
Wyoming Mobile Car Wash's Risks & Exposures
Premises liability exposure is from slips and falls due to public access to the premises. If there are customer waiting areas, floor coverings should be in good condition with no frayed or worn spots on carpet and no cracks or holes in flooring. Steps and uneven floor surfaces should be prominently marked. Sufficient exits must be provided and be well marked, with backup lighting systems in case of power failure. Proper attention to housekeeping is required to prevent slips and falls from water, detergents or waxes or from icing during winter months.
Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. All machinery and equipment used in the operation should be well maintained to prevent property damage to customers' vehicles. Car washes done at customers' premises can result in damage to the customer's real or personal property.
Environmental impairment exposures are due to the detergents and waxes used in the car washing operations and the solvents used for cleaning and maintaining equipment. Adequate procedures should be in place to prevent these hazardous wastes from contaminating the soil or polluting water sources. Contracts should be in place to dispose of all environmentally dangerous chemicals.
Workers compensation exposure can be high due to the potential for slips and falls and for employees to be injured by vehicles or automated washing equipment. Proper attention to housekeeping is required due to the water, detergent and waxes used in operations and to prevent icing during winter months. All equipment used in the operation must be properly maintained to prevent vehicles from rolling off conveyances.
Improper lifting can result in back injuries, sprains, strains, and hernias. Exposure to the elements can result in sunburn, heat exhaustion, or heat stroke during the summer and frostbite and hypothermia during the winter. The use of soaps and waxes can cause dermatitis. Due to the large amounts of cash on hand, hold-ups are possible. Employees should be trained to respond in a prescribed manner.
Property exposure comes from the machinery used to wash, wax, and dry vehicles as they are conveyed through the car wash. All electrical wiring must be well maintained and meet current codes. If the car wash is self-service, there is a potential for vandalism. Attendants help cut down on problems. Locations should be on well traveled and patrolled areas that are well lighted.
Equipment breakdown exposure is high as the business is dependent on its machinery for conducting operations. Replacement parts may be difficult to obtain on a timely basis.
Crime exposures are from employee dishonesty and theft of money and securities. Employee dishonesty is controlled through background checks, inventory monitoring, control of the cash register, disciplined controls and division of duties. Theft of money and securities prevention requires controls of monies kept in the cash drawers and bank drops made throughout the day to prevent a buildup of cash on the premises.
Self-serve car washes may include coin- or currency-operated vending operations. These should have automated coin counters. An attendant should be on duty at all times to prevent vandalism and break-ins.
Inland marine exposures come from computers due to automated machinery used in car wash operations, signs, and valuable papers and records for customers' and vendors. There may be accounts receivable if the car wash offers credit to business customers and goods in transit if there are multiple locations.
Commercial auto exposure is generally limited to hired and non-owned for employees running errands. If there are owned vehicles, any regular driver should have a valid license and an acceptable MVR on record. All owned vehicles must be maintained with documentation kept.
Auto Detailing And Mobile Car Wash Insurance - The Bottom Line
To learn more about the specific type of auto detailing and mobile car wash insurance Wyoming you need and how much coverage you should invest in, speak with a reputable broker that specializes in commercial insurance.
Wyoming Economic Data, Regulations And Limits On Commercial Insurance
Whether you are an established or a prospective business owner, the location you choose for your company is critical. If you want to achieve as much success as possible, the area needs to offer a healthy market that the goods and services you intend on offering will appeal to, otherwise there's a good chance that you won't garner the success you are hoping for.
Unemployment rate provides valuable insight about a state's economy. A lower unemployment rate indicates that there are more jobs available, and more jobs are available as a result of successful business operations in the area.
Additionally, knowing what industries are thriving in the state will allow you to determine if opening a business in your sector will be beneficial. Lastly, entrepreneurs should familiarize themselves with the kinds of commercial insurance policies they will need to invest in to protect their businesses and ensure they are operating within compliance of the laws.
If you're thinking about starting a business in Wyoming, read on for an overview of the state's economy and commercial insurance requirements so you can determine if the Equality State is the right location for your operation.
Economic Trends For Business Owners In Wyoming
According to the Bureau of Labor Statistics, the unemployment rate in Wyoming was 3.7%; just .02% of the national average of 3.5% at the same time. This rate of unemployment has remained relatively steady over the course of 2019, which is evidenced by the 3.6% rate in July, 2019, and the 3.7% rate in November.
Economists predict that the job rate will continue to remain steady or see a slight increase or decrease in the coming years.
If you are thinking about starting a business in the Equality State, the best locations include metropolitan regions and the areas that surround them. As with all states, urban areas offer larger markets, a larger workforce, and easier access to national distribution centers. With that said, some of the best places to start a business in Wyoming include:
- Casper
- Cody
- Jackson
- Laramie
- Rock Springs
- Salt Lake City
Several industries are thriving in WY, but the sectors that are seeing the largest boom include:
- Agriculture
- Hospitality and tourism
- Manufacturing
- Mining and extraction
- Real estate
- State and local government
- Transportation and warehousing (logistics)
If you are considering opening a business in any of the above-mentioned areas, your chances of success in Wyoming are favorable.
Commercial Insurance Requirements In Wyoming
The Wyoming Department of Insurance regulates insurance in WY. Wyoming mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Wyoming requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Wyoming also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Auto Service & Repair Insurance
Read useful small business auto service and repair insurance policy information. In an aotu related business, you need to have the right type of commercial insurance coverage so that your garage, employees, and customers vehices & other property is protected.
- Auto Dealers
- Auto Detailing & Mobile Car Wash
- Auto Dismantlers
- Auto Garage
- Auto Glass Repair Shops
- Auto Paint Shops
- Auto Service Repair
- Auto Supply Parts Store
- Car Rental
- Car Wash
- Garagekeepers
- Gas Station
- Motorcycle Dealers
- Parking Lot
- RV Dealers
- Snowmobile Dealers
- Truck Rental
- Used Car Dealer
There is a Auto Service Risks Program is an enhancement of the Commercial Package Policy that is available to certain Auto Service Operations.
Automobile repair shops and garages offer a wide variety of mechanical services, from engine repair to tune-ups. The operation may be stand-alone or be part of another business such as an automobile dealership or filling station.
Gasoline stations are normally limited to the dispensing of gasoline, kerosene, diesel or fuel oil with incidental sales of auto accessories and pre-packaged snack food items. Larger gasoline stations may offer other services, such as auto repair, retail sales of food or auto parts, snack bar or restaurant, propane tank exchange, towing, or baths and overnight lodging facilities for truckers.
Car washes provide facilities for cleaning automobiles and other motor vehicles. Some are drive-through with either partially or fully automated conveyance of the vehicle throughout the operation. Hand washing, waxing, or interior cleaning of the vehicle may be offered, with customers sent to a waiting area. Damage to the customers' vehicles is the primary exposure as machinery and washes can break antennas, pull off stripping, crack glass and damage tires.
The three basic types of risks that are contemplated by the Auto Service Risks Program include:
- Repair Shops - operations primarily engaged in auto repair. This includes shops that do body, fender, radiator, ignition service and paint work.
- Service Stations- operations primarily engaged in servicing autos. The sale and installation of auto accessories are a part of this category as long as major engine or bodywork is not performed. Car wash facilities are eligible.
- Storage garages and other parking places.
The following classifications are specifically listed as eligible: Automobile:
- Quick Lubrication Services
- Repair or Service Shops
- Repair Shops–Self Service
- Rustproofing
- Storage
- Car Washes–self-service and full-service
- Convenience Food/Gasoline Stores–self-service, full-service and combined
- Gasoline Stations–self-service, full-service and combined
- Parking–public-open air and not open air
Automobile, motor home, mobile home, trailer, and motorcycle dealers are NOT eligible for this program.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income, Equipment Breakdown, Employee Dishonesty, Money and Securities, Accounts Receivable, Computers, Signs, Valuable Papers and Records, General Liability, Employee Benefits, Environmental Impairment, Underground Storage Tank Liability, Umbrella, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Flood, Computer Fraud, Forgery, Goods in Transit, Cyber Liability, Employment-related Practices, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.
Request a free Auto Detailing And Mobile Car Wash Insurance Wyoming quote in Afton, Alpine, Alta and Wamsutter, Antelope Valley-Crestview, Arapahoe, Baggs, Bar Nunn, Basin, Bear River, Big Horn, Big Piney, Boulder Flats, Buffalo, Burlington, Byron, Casper, Casper Mountain, Cheyenne, Clearview Acres, Cody, Cokeville, Cowley, Dayton, Diamondville, Douglas, Dubois, Encampment, Ethete, Evanston, Evansville, Fort Washakie, Fox Farm-College, Freedom, Gillette, Glenrock, Green River, Greybull, Guernsey, Hanna, Hartrandt, Hoback, Hudson, Hulett, Jackson, James Town, Kemmerer, La Grange, Lander, Laramie, Lingle, Lovell, Lucerne, Lusk, Lyman, Marbleton, Meeteetse, Midwest, Mills, Moorcroft, Moose Wilson Road, Mountain View town, Newcastle, Nordic, North Rock Springs, Pine Bluffs, Pine Haven, Pinedale, Powell, Purple Sage, Rafter J Ranch, Ralston, Ranchester, Ranchettes, Rawlins, Red Butte, Reliance, Riverton, Rock Springs, Rolling Hills, Saratoga, Sheridan, Shoshoni, Sinclair, Sleepy Hollow, South Greeley, South Park, Star Valley Ranch, Story, Sundance, Thayne, Thermopolis, Torrington, Upton, Urie and La Barge, Vista West, Warren AFB, Wheatland, Wilson, Worland, Wright and all other WY cities & Wyoming counties near me in The Equality State.
Also find WY local small businesses by General Liability Class Code and learn about Wyoming small business insurance requirements for general liability, business property, commercial auto & workers compensation including WY business insurance costs. Call us (307) 215-0090.


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Oakland Quickly Retracts New Police Policy On Illegal Living Spaces, Parties
OAKLAND (KPIX 5) – Oakland city officials on Thursday night retracted a just instituted "see and report" policy for Oakland police officers regarding illegal parties and living spaces.
Earlier Thursday, KPIX 5 learned that police in Oakland had been ordered to immediately report if they see an illegal party or notice any unpermitted living spaces in warehouses in the wake of last year's deadly Ghost Ship fire.
KPIX 5 obtained a copy of a directive that Acting Police Chief David Downing sent officers Thursday afternoon.
It said officers must send an email message before the end of their shift to command staff, documenting the time they saw it, the address and what exactly they saw.
The retraction was issued a couple of hours later by City Administrator Sabrina Landreth.
"We are in the process of developing communication protocols within the Oakland Police Department," the statement read. "The email sent at 1:57 p.m. to OPD personnel was distributed prematurely and has been retracted."
Two weeks ago, the city made public documents about the Ghost Ship warehouse that noted police were aware of illegal housing and parties years before last December's inferno that killed 36 people.
Police officers never reported any code violations.
Thursday's directive also comes two days after the San Francisco Chronicle quoted Mayor Libby Schaaf's spokesperson saying police officers are not trained to be building inspectors.
The Chronicle pointed out that San Jose, San Francisco and Richmond already have systems in place requiring police officers to notify authorities if they see dangerous conditions.
for more features.


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UPPER PENINSULA, Mich./NORWAY (WJMN) – The Upper Peninsula is rich in Scandinavian and Nordic heritage, thanks to the Great European Migration in the 19th century.
According to the Library of Congress, while Sweden sent more emigrants to the United States than any other Scandinavian country, Norway sent a greater percentage of its population, nearly one million people between 1820 and 1920. The U.P. is where many of those Scandinavians settled and delved into the mining and agriculture industries. With such a rich connection between the U.P. and countries like Finland, Sweden, and Norway, I spoke with one Norwegian woman on Nordic life and how it compares to Scandinavian Americans today.
"It's no surprise that we're pretty outdoorsy," said Beate Christin Gran, the senior advisor at Visit Norway. "We like to get outside, and enjoy nature of any kind, whether all year round. We have a pretty good work-life balance. Family comes first. Another typical thing about being a Norwegian, we love to escape to our cabins or 'hytte' as we like to call it, usually by the mountains or by the coast. And that's usually the base for any outdoor adventures, like hiking, biking, skiing. We play board games, and spend time with family and friends."
Norway and the Upper Peninsula share similar geographic and climatic features, including those brutally cold, harsh winters. Gran shares how Norwegians get through the winter months.
"I know Norway, Michigan have very snowy months and long winters as we do. So we can relate to that. So the one thing we do in Norway the country that we're very good at is crafting coziness and these perfect moments any time of the year. It's a lifestyle concept we call 'kos', it translates to coziness, basically.
And the classic perception of this usually entails feeling warm, safe, happy, being with the ones you love, friends, and family. Usually some candles, good food, and drinks. And that is something that maybe we have in common, with Michigan and Norway the country is that we create these moments to get through these long, hard winters."
As you can see the people in Norway and in the U.P. continue to relate to one another, not only through the stories of our history but also how we live throughout our daily lives.
Gran explains a few essential Norwegian phrases.


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Glentaucher's single malt whisky is quite popular with independent bottlers: almost a thousand independent bottlings of this Speyside malt have already been released. This one in Cadenhead's Original Collection is a recent one. It matured for 14 years.
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TNHRCE Kanchipuram Recruitment 2022 – Hindu Religious and Charitable Endowments Department (TNHRCE) – Hindu Samaya Aranilaiya Thurai has announced 03 Office Assistant Posts. They invite the Offline Application from the Candidates, who are vibrant and eligible.
TNHRCE Kanchipuram Recruitment 2022 – 03 Posts
Here Applicants will get Job information about and includes details of Educational Qualifications Vacancy details, Age Limit, Selection Procedure, and Application and Notification details. Job seekers apply for this job from 26.05.2022 to 10.06.2022.
|Board Name
|Hindu Religious and Charitable Endowments Department (TNHRCE)
|Post Name
|Office Assistant
|Total Vacancies
|Job Location
|Job Category
|TN Govt Jobs
|Application Type
|Starting Date
|Last Date
|Website Link
TNHRCE Kanchipuram Recruitment Vacancy Details
- Office Assistant: 03
Academic Details for TNHRCE Kanchipuram Job 2022
- Office Assistant: 8th Pass.
TNHRCE Kanchipuram Age Limit Details
- Office Assistant: 18 years to 32 years.
Pay Scale Details
- Office Assistant: Rs.15,700/- to Rs.50,000/- Per Month.
Selection Procedure Details
- Written Exam
- Interview
Application Fee
- No Fee.
TNHRCE Kanchipuram Postal Address Details
Assistant Commissioner,
Department of Hindu Religious Affairs,
District Collector's Complex,
TNHRCE Kanchipuram Recruitment Link
|TNHRCE Notification Link
|Click Here
|Official Application Link
|Click Here
|Telegram Group Link
|Join Now
How to Apply for TNHRCE Kanchipuram Recruitment 2022
- Go to the Official Website.
- Read the Official Notification.
- Download the Print the Application.
- Refer to Postal Address in Official Advertisement.


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Community Correspondent Lorna Cosh speaks up for every invisible woman. This is the Mind Waves contribution to Women's Protest 2015: a celebration of 100 years since the Glasgow rent strikes.
There is a proud tradition in Glasgow of women taking a stand and changing things. One hundred years ago, Glasgow women took a huge risk when they refused to pay their rent as a protest against poor housing and rising rents.
More recently, women were at the forefront of the poll tax demonstrations and many of the same women are now fighting welfare reform and service cuts. We still live in an unequal world: there is plenty to protest against.
As a celebration of 100 years since the rent strikes, Glasgow Life and NHS Greater Glasgow and Clyde are making a seven minute film that celebrates women's protests.
Our Community Correspondents chose to focus on the thousands of invisible women whose names we do not know, but who have made sacrifices to change things for their communities. "I am a woman" is for them.


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Extase X.O. is an exotic eaux-de-vie distilled in small batches from orange peels imported from the island Curacao. The rich flavor of Extase X.O. is held in perfect balance by the smooth taste of a 20-25 year-old X.O. Fine Champagne Cognac. Extase X.O. is carefully blended and distilled in Dijon, in the heart of Burgundy, using one of the oldest operating pot stills in France.
Extase is presented in elegant high appeal packaging of painted bottles filled and labeled by hand with liqueur glasses available.
Awards and Accolades
"Superb (90-95) / Highly Recommended" – Wine Enthusiast
"…no mistaking the orange presence, sweet / tart, and simply luscious; try it with dark chocolate." – Rated 4 Stars – F. Paul Pacult's Spirit Journal
"French Liqueur Extase Redefines Extasy… is underscored with the delicate essence of the Curcao oranges. Aromatic and brimming with flavor; Extase XO is a true pleasure to drink…"
– Robert Plotkin, NIGHTCLUB & BAR magazine


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16 Lug And if a person people starts legal proceeding, this suggests the relationship enjoys divided
New judge will be sending you a duplicate of acknowledgement away from services means. This is the way you are sure that your respondent has had their application.
- they have obtained the applying
- the latest date they gotten it
- the brand new target where it received they
- that they are the person named as this new respondent regarding the app
- whether they agree this new legal contains the fuel otherwise straight to manage the truth (regulations calls which 'jurisdiction')
- whether or not they decide to guard the truth
- if they undertake exactly what the petitioner states about the subject
- whether or not they target in order to make payment on price of what is happening
Sometimes respondents genuinely believe that they can avoid the divorce or separation going on just from the perhaps not harassing to go back the new acknowledgement out-of provider means; nonetheless are unable to.
step one. Brand new Respondent normally ignore the application and you will do-nothing.


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The Department of Cinematic Arts at the University of Iowa wishes to express its unequivocal condemnation of violence against Asian-Americans and people of Asian descent in the US and internationally. Like many, we were shocked and saddened by the horrific killing of eight people, including six Asian-American women, in Atlanta on March 16th. These crimes occurred amidst a surge in verbal and physical assaults against Asians during the Coronavirus pandemic, itself undergirded by a much longer history of anti-Asian violence in which racism and sexism have long intersected. While mourning the victims of the Atlanta shootings, we also pledge to renew our support for the students, faculty and staff of Asian descent in our own community. We concur with the calls by the University's Pan Asian Council and the Division of Diversity, Equity and Inclusion to combat anti-Asian harm on campus, and we remain committed to nurturing a safe and supportive learning environment, free from discrimination. As artists and academics of cinema, media and visual culture, we believe that it is crucial to understand the roles that media representations have played in producing and disseminating the racist and sexist stereotypes that enable colonialist oppression, as well as the potentials of media and media scholarship for challenging them. We also stand in solidarity with the efforts of allied professional bodies such as the Association for Asian Studies to interrogate the broader cultural forces that impact the perception of Asian and Pacific Islander communities in the United States. In our mission to create a supportive and respectful learning environment, we hereby renew our commitment to combating racism and respecting difference in our own community. We always welcome the input of staff, students and faculty. Please feel free to send comments and suggestions to the Department Chair, Michael Cowan (email@example.com) or any of the other faculty members in the department.
Tuesday, April 6, 2021


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We got to hit almost everything in the line on the variety in preparation for 18 holes. What I imply by that is, I hit a 43gram shafted driver that performed and felt terrific. My most effective numbers have been with the 63 gram shafts, but nevertheless was impressed by the 43gram shaft. I hit the irons with graphite shafts and once again, they didn't go in my demo bag, they absolutely hit truly properly. I was bombing the driver on the range and hitting the irons OK.
A regular one particular-piece cavity back, it is forged from soft carbon steel and helps launch shots speedy and high, but with manage. While the public enthusiasm in wellness and outdoor sports continues to grow, the golf business in China is also embracing unprecedented improvement and new participants. Consumer browse around this website demand for qualified and fashionable sports equipment and apparel has boomed substantially. As a nicely-established brand in golf, HONMA is boldly exploring and innovating to fulfill the constantly evolving consumer requirements.
It has developed a following for its straightforward-to-swing clubs, and its integration of its forged club heads and in-home shafts. We'll prevent the obvious for a second and get started with some additional of the basics. This driver has a definitely classic shape to it and nicely proportioned. The look of size behind the ball would probably give plenty of self-assurance, but not offend the better players. Yet another note is that whilst the club has a draw bias we'll talk about later, it truly is not visible or clear visually.
In this instance, I was concerned the 50S version I was sent could possibly be too light and soft for my swing but the ball flight was controlled and constant. For me the shaft offering is 1 of the key causes to look at Honma. A monster in each size and performance, the Honma TR21 Ti Fairway wood is a significant-headed 3 wood developed for distance. Its lightweight titanium head has a deep and low CG for near driver-like low spin-higher launch efficiency. Adjustable sole weighting also presents ball flight versatility.
For example, we at ExactGolf only use shafts from producers such as Nippon or Shimada which are also pretty very good in this respect. This does not mean that the shafts from Honma are usually much better. And these are the light and soft graphite shafts which nonetheless have small torque. This signifies that although the shaft can be quite light and soft, the twisting for the duration of the stroke does not go in the undesirable direction. The larger the number of stars, the superior these values are.
I know it has been a although considering the fact that you have tested these, but do you recall if the height of the iron was decent? Realizing that the spin is low, I am curious about the height. It's the outcome of every single OEM attempting to make the longest 6I so they can "win the fitting". I've grown far more agnostic about it, but I nonetheless don't believe it's a superior point for the game overall.
Lamination of the newly created 7-axis sheet at hand creates counter balance, and sharpening is accomplished with all layers of TORAYCA T1100G. For 3S grade and larger shafts, TORAYCA M40X is employed to improve playability. TR20 Drivers deliver beautifully crafted speed via a extra efficient, higher-COR titanium frame and carbon body. Great searching 440 and 460 profiles with exceptional speed that you can feel, hear and see. Adjustable weights and hosel provide tuning for extra distance.
From our testing, we surmised that unless you have a swing speed of 88MPH or larger, you will not get a great deal use from these balls on drives. Srixon continued our award-winning tradition of building high good quality golf balls, securing many Hot List Gold Medals from Golf Digest. Come across next the greatest Srixon ball for your game now and unlock your greatest efficiency. You'll notice that the Stealth irons make exceptional ball speed across an in depth region for optimal yardage on all shots.
Couch served as the director of promoting for Mizuno USA's golf division for seven years. There he guided item line integration and oversaw advertising and marketing activities including Tv commercials, magazine advertisements and store collateral. He was also a sales manager and sales rep for Mizuno USA, starting his time at the firm as a buyer service representative.
The TK-W1 balls are distinguished by a 318 dimple pattern which is significantly much less than lots of golf balls in this value point. Compared to other Honma tour-grade balls the TW-K1 is softer thanks to the Soft energy core style. Having said that, if you are in the quicker swing speed variety, you will enjoy the low, piercing ball flight you get from them off the tee. The urethane cover allows for a good amount of feel off your brief irons, wedges and even your putter too. We commence our list with the Honma TW-X balls which are made for faster swing speed players.
I was cold, somewhat stiff and not reaching my normal swg spd of 79 mph, I swung simple and the driver supplied very great length and was exceptionally straight on a number of hits. These are the absolute finest golf balls to get more distance with a shaved driver. The finest way to activate the effects of the driver shaving is with a tougher compression ball. They will bring about the face to flex far more and rebound at a more quickly rate than a reduce compression ball.
Speaking of the sole, the TW757 S driver has two moveable weights that stretch front to back along the middle of the clubhead. Positioning the heavier weight in the rear port assists boost the launch and MOI of this 450cc head. On the flip side, moving the heavier weight to the front will reduce the spin, drop MOI, and give golfers a flatter launch angle. The two stock weights are three and 9 grams, with other weights offered for purchase. Earlier this spring, Honma unveiled their T//Globe TW757 collection, such as two drivers, fairway woods, hybrids, and three sets of irons.


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Category: ATCs & POCKET PAL LETTERS
Birthday Pocket Pal Letter
A letter of fun for my love, my granddaughter, Kassidy. This helps her make her own cards and other festive projects at home. FRONT SIDE BACK SIDE
Winter Pocket Pal Letter
This is the 2nd Pocket Pal Letter I made for my granddaughter, Kassidy. I used Doodlebug Designs Inc. 6x6 inch Paper Pad, Doodlebug Designs Inc. coordinating Stickers, Doodlebug Designs Twine and Embellishments from my stash. I die cut the word Winter. Enjoy viewing. Thank you for looking. Tricia
December Pocket Pal Letter
Ho Ho Ho, This was my first Pocket Pal Letter to my granddaughter Kassidy who just turned 13. I wanted her to have supplies at home to use to make cards and other projects. This first Pocket Pal is LOADED just to get her started. The Pocket Pals that follow will not be as loaded, … Continue reading December Pocket Pal Letter
Patriotic Pocket Pal Letter
Hello Everyone, Independence Day is quickly approaching, so I needed to gear my mind in a red, white and blue direction. Also, my brother's birthday is July 2nd, so I have to get a card going for him and get it in the mail. I might use patriotic colors. This year I have been making … Continue reading Patriotic Pocket Pal Letter
Mother's Day ATC Colored with Tombow Markers
Hello Blog Readers, I promised my best friend, Patz, who lives on the east coast in Florida where we used to live, that I would try to make an ATC for her for every occasion. She is a mom and her two grown, married children are our Godchildren. Patz is collecting her cards in an … Continue reading Mother's Day ATC Colored with Tombow Markers
A Twist on Earth Day
Greetings! I made this little 3½ X 2½ inch card for the WTCs (Women's Trading Cards) Earth Day 2016 Challenge. Most Earth Day pictures are about going green, recycling, stopping pollution, celebrating the Earth, people uniting and so on with the theme. I wanted people to think about what we have done to the Earth through the … Continue reading A Twist on Earth Day
Happy Spring ATC
Hey there! I posted this ATC (Artist Trading Card) when I first started my blog a couple of weeks ago, but this time I wanted to tell you how I made it. I am entering this card in the drawing at Simon Says Stamp Monday Challenge April Showers Bring May flowers. Simply put, I made a water color … Continue reading Happy Spring ATC


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Additional information
|65 lbs
Description: Universal M-II Coil Spring/Control Arm Top Hats
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Ronald Reagan is one of the most winsome men I have ever known. Our long friendship really started one day in 1953, when I was playing golf in Phoenix. Mrs. Loyal Davis, wife of a prominent Chicago surgeon, came up to me on the course.
"I want you to get to know my new son-in-law," she said.
I asked who he was.
"Ronald Reagan."
"You mean the film star?"
She confirmed that he had married her daughter, Nancy, some months before.
Ron (as most of his friends called him) and I actually met later that year in Dallas.
In the next two decades, my travels took me to California with some frequency, and often our paths crossed. As our friendship grew, I not only admired his quick wit and warm personality, but I also came to respect his keen insight and tough-minded approach to broad political issues. I also found him very interested in our work, even giving me friendly advice from time to time.
During the years before Ron was elected to public office, I had often detected a spiritual side to him. For example, I remember once when I gave a small dinner party at the Beverly Hilton Hotel and invited him. He brought up the subject of the Second Coming of Christ. The same subject came up with him on other occasions as well.
I have been told that where he grew up, in Dixon, Illinois, he did some preaching himself in his late teens. At the time, he was a member of the Christian Church, which was somewhat like the Baptist Church. I kept forgetting to ask him about it, however, something that I now regret.
During the eight years of Reagan's presidential administration, we saw each other a number of times. I especially appreciated his kindness in inviting Ruth and me to several states dinners for visiting foreign leaders.
One night while I was staying at the White House, Nancy and the President got into a discussion about the question of salvation–who was going to be saved and who was going to be lost. He gave her his views on conversion and the new birth right out of the Bible. She turned to me.
"Billy, is that right?"
I said it was and expanded a little further.
While he was president, Ronald Reagan bestowed on me one of the highest honors I could ever imagine. On February 23, 1983, he presented me with the Presidential Medal of Freedom, the highest civilian honor our government gives to an American, for service to the nation. I felt unworthy of the honor, and still do. But whatever else it means, it will always remind me of the generosity and friendship of a remarkable man and a warm and enduring personal friend, Ronald Wilson Reagan.


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Milwaukee families can apply for money to pay rent from new city assistance program
Milwaukee is setting aside $15 million in federal funds for rent assistance, making it the latest governmental body to create a multimillion-dollar pool to assist renters impacted by the COVID-19 pandemic.
"This money from the city is huge," said George Hinton, chief executive at the Social Development Commission. It will provide renters with up to $1,000 a month for three months, Hinton said.
"We have 30,000 people on our list of people inquiring" about their eligibility for the $25 million state rent assistance program, Hinton said. "And that list has been growing."
More:Many families in Wisconsin are 'close to becoming homeless' as effects of pandemic continue and help dries up
SDC is administering the state rental assistance program in Milwaukee. The state program provided about $5.7 million to Milwaukee County. In addition, Milwaukee County created a $7 million rent assistance program in June. About $780,000 has been paid out so far.
The city program comes after evictions filings in Milwaukee County jumped 26% in June. Landlords had been banned from filing eviction suits or evicting tenants for a two month period that ended May 26.
Milwaukee County landlords filed 1,371 eviction actions in July or 50 more than had been filed in July 2019.
Some housing experts expect evictions to climb, and possibly soar, in coming months. The additional $600 included in unemployment insurance payments ended in July, and various pools of rental assistance have dried up.
"With the end of federal assistance, I'm very concerned that people will be losing their homes," Mayor Tom Barrett said in a statement announcing the program. "I have been very pleased to see that as families seek help, many landlords have been holding back on evictions, knowing that rent support is on its way."
Hinton agreed landlords have been willing to hold off on evictions if they know that rent assistance funds — which are paid directly to the landlords — is coming.
In the city program, families will be able to receive up to $3,000 for rent payments or security deposits.
Recipients must have household income at or below 80% of county median income in the month prior to the date of application. Priority will be given to those with income below 60% of the county median income level.
About 10% to 15% of the city program funds will be used for administration and to hire new workers, with the rest going to cover rent for tenants who have lost their jobs or had income lowered because of the pandemic, Hinton said.
Hinton said funds from the city, county and state will help renters, but that more will likely be needed.
"People are struggling to stay in their homes," he said. "Recovery is not in sight. People are going to be in trouble again in a couple of months
Milwaukee residents can apply for the city assistance by contacting Community Advocates at email@example.com or by calling (414) 270-4646.
Contact Cary Spivak at (414) 550-0070 or email@example.com. Follow him on Twitter at @cspivak or Facebook at facebook.com/cary.spivak.


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