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|Financial Terms
|Medical Information Bureau
Information about financial, finance, business, accounting, payroll, inventory, investment, money, inventory control, stock trading, financial advisor, tax advisor, credit.
Main Page: payroll, inventory, money, finance, accounting, tax advisor, inventory control, financial,
Definition of Medical Information Bureau
Medical Information Bureau
This organization was established in 1902. The medical information bureau (M.I.B.) is a non-profit association of life insurance companies. Its purpose is to detect and deter fraud by providing warnings called, alerts, to member companies. For example, if an insurance applicant advised one insurance company of a heart attack and then applied to another insurance company omitting this history, codes, reported by the first insurance company, indicating a heart attack would alert the second insurance company to the undisclosed history. It is a rarity, however, that the alert is the only notice of a specific medical impairement as most applicants completely disclose their history.
Related Terms:
Asymmetric information
information that is known to some people but not to other people.
Expected value of perfect information
The expected value if the future uncertain outcomes could be known
Information asymmetry
A situation involving information that is known to some, but not all, participants.
Information Coefficient (IC)
The correlation between predicted and actual stock returns, sometimes used to
Information costs
Transaction costs that include the assessment of the investment merits of a financial asset.
Information services
Organizations that furnish investment and other types of information, such as
Information-content effect
The rise in the stock price following the dividend signal.
Informational efficiency
The speed and accuracy with which prices reflect new information.
Informationless trades
Trades that are the result of either a reallocation of wealth or an implementation of an
Information-motivated trades
Trades in which an investor believes he or she possesses pertinent
Insider information
Relevant information about a company that has not yet been made public. It is illegal for
bits of knowledge or fact that have been carefully
management information system (MIS)
a structure of interrelated elements that collects, organizes, and communicates
information content of dividends
Dividend increases send good news about cash flow and earnings. Dividend cuts send bad news.
Family and Medical Leave Act
A federal Act containing the rules for offering
Non-Medical Limit
This is the maximum value of a policy that an insurance company will issue without the applicant taking a medical examination, although medical questions are invariably asked during the application process. When a non-medical issue is made through group insurance, in most cases, medical data is not requested at all.
Future-Oriented Financial Information
information about prospective results of operations, financial position and/or changes in financial position, based on assumptions about future economic conditions and courses of action. Future-oriented financial information is presented as either a forecast or a projection.
credit bureau
An organization that provides financial institutions with credit information concerning existing or potential customers who are looking to obtain credit services.
Pre-existing medical condition (Credit Insurance)
A medical condition that existed before you became insured. Most policies exclude benefits if the condition is related to the event that triggers a claim if occurs within a certain period (6-12 months) after you became insured.
Related to : financial, finance, business, accounting, payroll, inventory, investment, money, inventory control, stock trading, financial advisor, tax advisor, credit.


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Sep 22 2009
More Evidence for Vaccine Safety
The BBC reports today of a National Health Service study that shows that autism rates are consistent at about 1% among all age groups. If true, this has profound implications for the now-discredited notion that autism rates are rising and that this rise is linked to vaccines.
Starting in the late 1990's fear swept the UK over the MMR vaccine and a possible link to autism – sparked by research by Andrew Wakefield. In the decade since, a succession of studies have shown that Wakefield's original research was not valid and that there is no detectable link between vaccines and autism. Attention shifted, especially in the US, from the MMR vaccine to a preservative, thimerosal, in some childhood vaccines. This prompted the Centers for Disease control and the FDA, to mitigate public concerns, whether justified or not, to remove thimerosal from the vaccine schedule, which they did by 2002 (except for insignificant trace amounts). This dramatic decrease in thimerosal exposure had no effect on the rate of increase of autism diagnoses – pretty much the nail in the coffin of the thimerosal-autism hypothesis.
Unfortunately – this is a fake controversy, not a genuine scientific one, and dedicated anti-vaccinationists are not swayed by compelling evidence, so their vaccine-autism fear mongering continues, and has even been increasing. They have migrated their claims away from MMR and thimerosal to other "toxins" (mostly imagined), and made-up claims such as vaccines overwhelm children's immune systems (when in fact they represent an modest addition to the antigens kids are exposed to).
The final objection of the anti-vaccine crowd is that there has never been a study comparing never-vaccinated children to vaccinated children in a prospective randomized trial. Of course, this study will never be done and should never be done because it is unethical to randomize children to not receive standard preventive treatment.
In medicine there are some studies that simply cannot be done. There has never been a study where subjects were randomized to either smoke or not smoke, so all data on the links between smoking and cancer are based on animal data or are epidemiological. The limitation of epidemiological data is that it cannot control for all possible variables, only all known variables. Randomizing large numbers of subjects is the only way to control for all possible variables.
This limitation has opened the door for the tobacco industry to claim for decades (although they have quietly dropped this claim) that smoking does not cause lung cancer – both lung cancer and smoking are caused by "factor X" – one of those hidden variables that epidemiology cannot control for.
While this reasoning is technically correct – we cannot rule out "factor X"- it misses an important feature of epidemiology: the ability to triangulate to the most probable causal relationship by doing multiple epidemiological analyses. With regard to smoking and lung cancer, for example, epidemiology has found that risk of lung cancer increases with duration of smoking, with inhaling deeply, with smoking unfiltered tobacco, and decreases after quitting smoking. There is also biological plausibility as tobacco smoke contains known carcinogens.
What about vaccines and autism? First, the premise that autism rates have been increasing is likely not true. While a real small increase cannot be ruled out by the data, the observed increase in diagnostic rates can be explained based upon increased surveillance and a broadening of the definition – in fact autism is now referred to as autism spectrum disorder. This hypothesis makes a number of predictions – for example if the definition of autism has increased then there must be diagnostic substitution, children that are now diagnosed with autism would have been diagnosed with something else (like non-specific language disorder) 20 years ago. This turns out to be true.
The hypothesis that autism rates are not truly increasing makes several predictions (like the hypothesis that smoking and lung cancer are linked because smoking causes lung cancer). In addition to diagnostic substitution, it predicts that if you apply the same diagnostic criteria to a cohort of children now and a cohort of children in the past, the incidence of autism should be the same. This also turns out to be true.
Now we also get to the current NHS study – another prediction is that if autism rates are not truly rising, then if you apply the same diagnostic criteria to people of different age groups the prevalence of autism should be the same. The caveat to this is that even if autism incidence is the same across time, some people may lose their autism diagnosis as they age or autism may be associated with a lower life expectancy.
However, despite these concerns, the NHS looked at 7,500 adults and found a prevalence of autism of about 1% in all age groups – the same as the current rate among children. This is consistent with the hypothesis that autism rates are in fact stable over time – not increasing.
This is vital blow to the vaccine-autism hypothesis, because the vaccine schedule has been increasing over the last 20 years, the MMR was introduced in the early 1990s, and thimerosal exposure has risen and then fallen to almost nothing. Throughout all of these changes, autism rates have remained stable. This is important because in order to demonstrate toxicity you need to demonstrate a dose-response – the higher the exposure to the alleged toxin the greater the risk or severity of the disease or disorder you think is caused by the toxin. This burden of proof was met for smoking and lung cancer – there is a clear dose-risk response. This is no detectable dose-risk link between vaccines and autism.
Of course, this one study is not definitive. While 7,500 subjects is enough to do statistical analysis, it is a modest-sized study, and replication with larger numbers is welcome.
The confidence of the scientific community that vaccines are generally safe and that they do not contribute to the risk of autism is built not on any single study but on a triangulation of many studies, all pointing to a lack of a connection. So far, no matter how we choose to ask the question or look at the data, there is no detectable connection between vaccines and autism. There will always be other kinds of data we don't have that the anti-vaccinationists can point to, just as with the tobacco industry and smoking. But both are simply engaged in denial of the data we do have for ideological reasons.
So while we can throw this new study on the pile of those that are consistent with a lack of association between vaccines and autism, I don't expect the anti-vaccine crowd to lose any sleep over their cognitive dissonance. They already have a well-insulated belief system that will be unaffected by this or any other data.

subset: commoncrawl


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Little Men revolves around the boys that attend Jo's recently erected Plumfield school and their antics there of. The boys are all very lovable especially Dan, the mysterious ruffian who arrives halfway through the book. With all their little faults and fancies the boy's life is an exciting mix of foolishness and honour, happily forseen by Mother and Father Bhaer who love them all equally.
Though Little Men lacks slightly the charm of Little Women and Good Wives in terms of their being a few to many characters to allow us to relate to them as much as the original four March sisters, it is still a delightlful look at the inner workings of little boys minds and a brilliant laugh with some truly hysterical moments!
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If Little Men weren't an entertaining novel, it could serve as a timeless reminder of how adults can help children direct their energies in helpful ways and develop better habits. The philosophy is to provide lots of love, understanding, forgiveness, slack and carefully chosen incentives and guidance while encouraging friendships among youngsters who will balance one another out if they spend time together. You'll recognize lots of Marmee's loving approach in Jo's more rough and tumble perspective. It's a nice combination.
For those who loved the child-centered world of Little Women, you'll be entranced by what Jo does to educate and raise her own boys, her nephew and niece, a troublesome neighbor girl, male boarders and some unfortunate orphans.
Much of the novel focuses on the character development of two poor orphans, Nat and Dan, who find Jo's Plumfield (which she inherited near the end of Little Women) to be an unfamiliar paradise of a home and school that requires some adjusting to.
Although the title is Little Men, there's plenty of focus on Daisy, twin sister to Demi, Nan, an independent girl with lots of energy, and Bess, Amy and Laurie's daughter. There are pretend balls, teas, and dramatic performances that echo those in Little Women.
But the male slant that is subdued in Little Women bursts forth in Little Men as the book recounts pranks, brawls, collections of disgusting items, pillow fights, taming a colt and doing heavy chores.
Like Little Women, the chapters are really short stories involving the same characters as they progress from month to month.
If you haven't read Little Women, by all means start there. An important part of the fun of Little Men is finding out what happened next to Meg, Jo, Amy and Laurie.
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The elimination of Homeowners Policies?
The elimination of HO Policies? How will the cloud enable underwriting [bundled single items] by [compiling-actual-dollars] written in semi or real-time?
Yup, this is all new.
We are not there yet, but signs point to that direction.
Let's analyze a recent statement: Apr 6, 2017: TROV
"Typically a Trov policy covers items of around $1,000, which makes the company's policies a numbers game rather than a play for big ticket Policies."
TROV is a warehouse for our things to be managed. Within the insurance group TROV has chosen to underwrite, it looks as though dollars are being compiled.
A numbers game, how will this work?
If you have 10 items, you have $10,000 worth of value. If cloud active, [compiling dollars] within TROV; are we now on the threshold of automating?
Remember that under most standard homeowner policies today, an insurer for personal goods gives you "variable coverage" without itemizing. This does not include additional cost for jewelry, PC's, watches, guns, collectibles, and other variable premium-coverage's. The Insurer leaves it up to the Insured to let them know.
But know what, to be stored where?
See article… The Benefits of a Home Inventory
To analyze this even further, let's narrow down a brief statement, that most of us can understand.
- Call it a Insurance-to-Value Game
- Call it a Dollar-for-Dollar Game
- Call it A Numbers Game, but no longer A Policy Game
Are we saying that based on real value, a simple formula could be drawn up by adding, then compiling those dollars? What are Real-Dollars in Real-Time?
Since Trust perception is influenced by the users knowledge, could we draw up a simple formula in which to work from? That is the consumer would be happy with, sense to them, but also knowing "Market-Value and Replacement Value", are not the same thing. So could a formula for Real-Value by combing "Market, Replacement & Depreciation", with a few turns of a creative wrench really work?
For now, this is what we ave to go on:
- Apr 6, 2017: TROV policy covers items of around $1,000, which makes the company [a numbers $ game] rather than a play for big ticket policies.
- JANUARY 17, 2005: Therefore, underwriting changes from evaluating variables to [compiling actual dollars-$] Last paragraph before Long-term Benefits.
How will we underwrite [bundled single items] by [compiling-actual-dollars] written in semi or real-time?
Stay tuned, we are on the cusp of change.
Comment below with your thoughts or questions.


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Description: This small project of luxury apartments and villas is located on the hills above the popular village of Tala, which has many local amenities, including a lively village square with a good variety of restaurants and tavernas. Paphos is a 10 minute drive away.
Built into the hillside, this beautifully presented apartment is situated at the lower level. The property features a spacious living room with lounge, dining area, and end kitchen which is fully equipped with built-in oven, electric hob, extractor fan, fridge freezer, dishwasher and washing machine.
Patio doors lead from the lounge to a large terrace and L-shaped garden with amazing sea and mountain views - a fantastic place to relax and watch the sun go down!
Off the living area is a hallway to the master bedroom, second double bedroom and family bathroom. Patio doors from the master provide lovely views and access to the garden, and both bedrooms have fully fitted wardrobes.
In summary this is a unique property with exceptional views, ideally suited as a holiday home/rental investment. The property comes fully furnished and ready to move in with full title deeds.
Property Features:
If you have any questions about this property please give us a call at 357 26 271 292 or email email@example.com or firstname.lastname@example.com
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Original Lost in Space Dr. Smith Mask Prop not Don Post replica. Created by master make-up artist, John Chambers who did all the
make-up for the classic Planet of the Ape films. This mold bust was taken off the late actor, Jonathan Harris for the LIS 3rd
season episode, "Space Destructors".
UncleOdiesCollectibles.com is owned by Robert Vanderpool. Copyright � Robert Vanderpool. All rights reserved. All other Trademarks and Copyrights are property of their respected owners. Copyright Policy.


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As awards season winds down, tons of new movies are hitting theaters soon. I've compiled a list of the ones to look out for this year, so be sure to run to see them soon!
1. Us (March 22)
After witnessing the immense success that writer/director Jordan Peele experienced in 2018 with his film Get Out, audiences and critics are counting down the days until his next film hits theatres. Released shortly after Christmas, the initial trailer instantly sparked fear and excitement. This haunting thriller centers around the Wilson family; one night, they witness strangers lurking in their front yard. Upon closer inspection, these people turn out to look just like the Wilsons—only with murderous tendencies and more distorted physical characteristics. No doubt, this film will take audiences on a journey full of action and suspense much like the trailer did.
2. Avengers: Endgame (April 26)
Arguably the years most anticipated film, Avengers: Endgame has had audiences wanting answers since the premiere of Avengers Infinity War nearly a year ago. Since then, the ambiguous information and select footage released in trailers have only increased the suspense and anticipation for this movie. There have been thousands of theories about how the remaining superheroes will restore order to the universe and revive the other half of the galaxy's population, all of which will either be confirmed or denied when this epic conclusion to Marvel's hit movie series premieres in April.
3. Once Upon a Time in Hollywood (July 26)
The star-studded cast of this film has audiences excited for Quentin Tarantino's latest release. Featuring Brad Pitt, Leonardo DiCaprio, Margot Robbie, Al Pacino, Dakota Fanning, Kurt Russell, and Lena Dunham, this film follows an actor and his stunt double in the late sixties as they struggle to remain relevant in Hollywood. The plot also focuses on the murder of Sharon Tate by the Manson family. While there has yet to be a trailer released, the few pictures and little information that have been released has generated much conversation and speculation among critics and audiences alike.
4. Joker (October 4)
While many superhero fans would view 2019 as the year of Marvel, Warner Bros. film Joker aims to leave its mark. This project, starring Joaquin Phoenix, Robert De Niro, and Zazie Beetz, adopts an unusual lens to the DC villain by focusing on his origins as a failed stand-up comedian who turned into the infamous villain we all know today. Among critics and fans, this movie is already generating considerable buzz despite the fact that it hasn't even released a trailer yet.
5. The Goldfinch (October 11)
The anticipation behind this movie is driven by fans of the best-selling novel by Donna Tartt. Following the same plot as the novel, the film is about the lives of a family who takes in a recently orphaned boy after a terrorist attack on a New York City museum. Notable cast members are Nicole Kidman, Sarah Paulson, Ansel Elgort, and Finn Wolfhard. Audiences are eager to see if the film adaptation will live up to their high expectations for the original Pulitzer Prize winning novel.
6. Extremely Wicked, Shockingly Evil and Vile (2019)
Generating buzz on social media and among critics after its successful initial release at the Sundance Film Festival, Extremely Wicked, Shockingly Evil and Vile attempts to retell serial killer Ted Bundy's crimes through the lens of his girlfriend Elizabeth Kloepfer. Lily Collins and Zac Efron star in this thrilling tale of one of the most infamous killers in America's history. Its trailer has upwards of four million views and has sparked controversy and excitement online. Recently, Netflix purchased the rights to this murder thriller for nine million dollars adding to its film collection on Ted Bundy. While it has no official release date, audiences are beyond eager to see Efron and Collins' performances.
COVER PHOTO: Slash Film


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Record/Play Microphone
Common hand-held microphones, when used with loud acoustic hailing devices or public address systems, frequently cause feedback to occur when a live microphone is placed too close to the speaker. Potential equipment damage and temporary hearing loss can occur. To overcome these problems, many audio systems will purposely reduce the volume, consequently reducing the communication range.
The innovative Record/Play Microphone, model AA76900, raises the bar for operator safety and long communication range. With a straightforward push of a button, a message is recorded in the microphone. The large button in the middle of the microphone triggers the playback of the custom message through the acoustic hailing device without feedback and at maximum volume.
Additionally, the typical "live mic" function is available for traditional applications. With the new Record/Play Microphone, our acoustic hailing systems outperform the competition while protecting personnel.
- RECORD - up to a 60 second message is recorded while the easily identified, white Record button is depressed.
- PLAY - located in the center of the microphone, the over-sized Play button will broadcast the custom message to the acoustic hailing device when depressed. To repeat the same message, press the button again.
- LIVE MIC PTT - with the button depressed, the Live Mic PTT will immediately broadcast the user's voice, without being recorded, for traditional applications.
- Records messages up to 60 seconds
- Traditional Live Mic PTT functionality
- Over-sized PLAY button for easy activation
- Lightweight at 8.0 ounces (226.8 grams)
- Compatible with all our acoustic hailing systems
- IP56 rated
- Three AAA alkaline batteries
- Low battery indicator


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Madewell chambray top | medium
Ishvara sandals
Admonish custom leather tote
Lizzie Fortunato jewels necklace
Well, my "essentials" maxi skirt & dress post isn't coming together as I'd like, so I thought I'd just show you another of my favorite maxi skirts – this one by James Perse, which is on sale for $59 at Last Call right now. You know I can't get enough JP, and his skirts/dresses are my favorites. They tend to be more body-hugging than most other designers, and this skirt is snug at the waist and flares out at the bottom, which I love. It is kind of a pain if you're like me, with saddlebags, because they become very prevalent with this type of skirt. Nothing that spanx won't fix, but I decided not to wear them today. I'm rebelling 😉
And I got this chambray top yesterday at Madewell, love it, and so glad I feel more comfortable baring my arms this summer, I'll be much cooler!!
Have a wonderful Memorial Day Weekend – hope you're taking advantage of some of the great sales…


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BOCA RATON, FL (BocaNewsNow.com) — Hundreds of guests are expected to hear first hand about both the struggle and hopeful future of life with Alzheimer's disease at the Alzheimer's Association Reason To Hope brunch at Miami Shores Country Club on Tuesday, May 8th. They will gather to make a difference in the fight against Alzheimer's, the nation's largest under-funded public health crisis with 5.4 million diagnosed Americans and a $200 billion cost to the nation. Today, more than 240,000 South Florida residents have been diagnosed with Alzheimer's while thousands more go undetected. The event will be given by Alzheimer's Association Southeast Florida Chapter, the local arm of the Alzheimer's Association, the largest private funder of Alzheimer's research in the world, and will feature three main speakers.
The first speaker will be Mary Shore, Senior Director, Chapter Relations at Alzheimer's Association. She will discuss President Obama's recent authorization of an additional 50 million to Alzheimer's research and comment on how small that number is compared to the billions in research funding given to other diseases such as cancer and heart disease. She is quoted as saying "In the US alone, every 68 seconds, someone develops Alzheimer's. It is a growing epidemic that there is still no way to prevent, cure, or slow down its progression. The cost to our country is staggering."
Russ Belleville will be the second speaker. He was a former Coast Guard Officer, who became a corporate Executive for Siemans Corporation International. He had to give up his successful career when, at only 57 years old, he was diagnosed with Alzheimer's. It quickly became clear that he could no longer perform his job because of this debilitating disease. He will discuss how his condition changed his life and the lives of his family members and how today, as an ambassador and advocate, he is helping others overcome the stigma of Alzheimer's that often prevents people from seeking medical care when they begin to have early symptoms. Belleville implores others to get involved saying, "I recommend to all of you to become active in the fight against Alzheimer's disease… Be part of the solution and not just part of the problem."
The third speaker, Laura Jones, is the caregiver to her husband who was diagnosed with Alzheimer's at just 50 years old in 2006. She plans to talk about the devastating emotions involved in losing someone so close to her little by little each day and how she is coping. For years, the couple used their time, resources and energy raising awareness in the public policy and advocacy arenas and were instrumental is getting the Social Security Administration Compassionate Allowances Act to include younger onset Alzheimer's, allowing individuals under age 65 with the disease to receive benefits. She is quoted as saying "Our love has grown through our efforts to support each other in our devotion to carry this message. At first I stood beside him, slightly behind him, ready with a supporting touch as he spoke. Time passed and we began to face each other, searching each other's eyes so I could speak for him, … Today, I stand alone as I have for each engagement I have attended over the last year. I speak not for him, but of him. I speak of his commitment to ending the havoc that Alzheimer's is creating in our society."
Jones is one of the more than one million caregivers in Florida, and 15 million unpaid caregivers nationwide. Together, these caregivers provide more than $13 billion and$200 billion in unpaid care each year, respectively.
The event is expected to raise both awareness and funding for the Alzheimer's Association to continue in its mission to eliminate Alzheimer's disease through the advancement of research; to provide and enhance care and support for all affected; and to reduce the risk of dementia through the promotion of brain health.
The Alzheimer's Association, Southeast Florida Chapter is a local 501 (c)3 organization committed to helping the families of Okeechobee, St. Lucie, Martin, Palm Beach, Broward, Miami-Dade and Monroe counties. The Chapter advances efforts for researching a cure through fundraising and its signature event Walk to End Alzheimer's™, and provides support and educational services to more than 200,000 persons with Alzheimer's disease and their families and caregivers in its service area. It offers a 24-hour HELPLINE (800) 272-3900, support groups, Alzheimer's Association TrialMatch™, the Medic Alert® + Alzheimer's Association Safe Return® identification bracelet program, Comfort Zone®, community education, and an advocacy program to educate Congress on critical Alzheimer's policy issues and work to increase federal funding for research and care programs. The Association's mission is to eliminate Alzheimer's disease through the advancement of research; to provide and enhance care and support for all affected; and to reduce the risk of dementia through the promotion of brain health. As a national organization, Alzheimer's Association is the largest private funder of Alzheimer's research in the world. For more information or to make a donation, please call 1 (800) 861-7826 or visit www.alz.org/seflorida.
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text: We Are The Sole KR AUDIO Distributor For The UK! See details KRONZILLA Amplosaurus - Rex See details Universum - Universally Sublime! See details J.Sikora - The End of Your Journey See details NEW! - KBL Power BAR - SIX is BETTER than five! See details NEW! Skogrand SCD Beethoven USB- Say YES to The BEST! See details Over the Bridge See details Skogrand Cables - love at first sound See details Albedo - Silver - Monocrystal! See details Welcome to G Point Audio, the home of the very best in artisan audio playback and hi-fi systems. Our deepest desire is to share with a wider audience the truth that the very best in audio playback does not always come form those with the biggest names in the industry. ANALOGUE Turntables & Phono DIGITAL DACs, CDP,Transports & Streamers AMPLIFICATION Amps & Pre-amps SPEAKERS hORNS, Full range & others CABLES for Digital, Interconnects & Speakers POWER FRONT Power Cables, Bars & Conditioners TABLES & PLATFORMS Audio furniture & miscellaneous DIY The products that G Point Audio has carefully chosen to represent come from a very different philosophical perspective. They are made by individuals and small groups of people passionate about music, recording techniques and above all music reproduction in the home. These are people who have devoted their lives to pursue audio excellence without being constrained by the shackles of commercial pressures. These artisans are driven by their passion to recreate music in its very purest form and get to the very essence of the composition whatever the financial expenditure. They are unconstrained by book-keepers and accountants keen to drive the bottom line and they have a single-minded obsession to achieve true high fidelity at any cost. As a result of this fixation on excellence the works of art they produce are often extraordinary, unique and beautiful. Over the years I have had the rare privilege to get to know some of these artisans and I have been honoured to be allowed to experience the aural pleasure the fruits of their labour can bring. At G Point Audio we have hand-picked the very finest of these hi fi craftsmen and have the greatest pleasure in being able to share their works of art with you.


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Early February, 2013 – We woke up on our first morning in Zihuatanejo, after sailing up from Huatulco, to find the sun glinting off a neighboring ketch while a fisherman cast his net from a canoe next to us. It was a beautiful, serene sight.
Zihuatanejo is a busy bay once all the tourists wake up and get going. It is lined with beaches, villas, restaurants and resorts, but our little corner by boat-in-only Playa Las Gatas got only those visitors who came by in by watercraft. Lots of people rent catamarans to sail in the bay, and one catamaran owner was even using his as a launch boat to deliver people to the beach on the opposite shore. What a fun way to get across the bay!
One very enterprising fellow, Daniel, paddled his way around the bay in a canoe, visiting every cruising boat he could find to offer his services cleaning barnacles and seaweed off the bottoms of their boat and offering to wax the hulls too. He was disappointed to find that we had just cleaned Groovy's bottom ourselves.
What a crazy cleaning that had been. We had done our usual routine with the paint scrapers and Scotch Brite pads, scraping off the thick grass skirt that Groovy had begun to wear. We had no idea that hidden in the fluffy green seaweed were hundreds of baby crabs, about the size of mosquitos, until we got out of the water and discovered we were both covered with them.
We jumped back in, screaming, and frantically swiped each other's backs and arms and legs to get them off. But when I took my shower a few minutes later, I found a pile of them scampering around my feet. Yuck!! Crazier still, when we told Daniel about this, he topped our story completely: one had gotten into his ear and he was still waiting for it to crawl out.
Life on a boat in the tropics can be idyllic, but you live awfully close to nature!!
Another visitor to our boat was one we had looked forward to for a long time. Local vendors Hilda and Ismael sell water taxi tickets at a kiosk in town and they also supply the palapa bars on boat-in only Las Gatas beach with all their inventory. So they are perfectly set up to deliver anything and everything a cruiser could possibly want, right to the boat.
We put in our order for cases of coke and beer (much easier than hauling all those heavy cans via taxi, a walk to the beach, and a long dinghy ride out to the boat, so we stocked up!). We also gave Hilda our dirty laundry and empty propane tank. The full propane tank and clean laundry were delivered to us the next day. What a great service!!
Arriving on shore at Zihuatanejo's main beach, Playa Principal, we strolled the pretty, tree-lined, waterfront walking paths with a strong sense of nostalgia. This was our third season of visiting Z-town, and it was still as inviting, fun and funky as ever.
The walking path along the shore is lined with boutique shops on one side and a large open air fish market under palm trees on the beach on the other side. Fish at this market is about as fresh as it comes. The fishing pangas land right on the beach, and the catch immediately goes on sale on tarps in the sand.
One day while strolling past the fish market we saw a very happy fisherman showing off the marlin he had caught. Now that's a fish!!
Zihuatanejo is a walking town, and the first few streets along the waterfront have been designated as pedestrian only. This makes for a very casual and comfortable feeling, as you don't have to dodge the traffic and you can stop and chat with vendors and tourists at leisure, and check out all the shops along the way.
Of course, there are those among us who are little princesses, and they demand a sweet ride in a cool car regardless of which roads are pedestrian-only!!
Walking in from the waterfront about half a mile, there is a large "mercado," or public market, where fresh veggies, fish and meat are sold alongside kitchenware, brooms, baskets and hats. It is a crazy jumble of little stalls housed inside a building that fills a whole city block. If one guy doesn't have what you're looking for, he'll direct you to the next guy that might. In short order we had all the provisions we needed for the boat, including new Scotch Brite pads for the next boat bottom cleaning!
Back on Groovy we were treated to a nightly dance of color off our bow. A huge ball of fire would sink into the waves, turning the sky brilliant orange. Even though our photos from one night to the next had a striking similarity, it was still a thrill to sit on the bow and watch the sun disappear.
Every so often, when the earth's atmosphere is just right, the sun bursts with a flare of green just before it vanishes. We've met sailors who have been around the world who swear there is no such thing as the "green flash," but we have seen it several times. We never know when it will happen — most of the time the sun slips away without any fuss — but when the green flash comes, we are always elated.
One night, while sitting on the bow and lining up those same old sunset shots, we were both completely startled when it happened. "That was it!!" I cried. Amazingly, Mark managed to catch it on camera at almost the perfect moment. It's a little like a blurry UFO shot, but it's there — the green flash!
Cruisers flock to Zihuatanejo in early February to take part in the Zihuatanejo Sail Fest, a five day fund raising event celebrating both sailing and Mexican culture that provides educational support for the children of the area. The most colorful aspects of this event on the water are the pursuit sailing race and the boat parade.
The boats filled their rigging with colorful flags (the nautical alphabet), and took off around the bay in a wonderful show.
The leader of the sailing event this year was our friend Pamela Bendall, the incredible single-hander from Canada who has sailed her 46′ steel boat, Precious Metal, as far as Peru.
Her boat was the "committee boat" for the pursuit race, and when she was suddenly encircled with racing catamarans, her boat looked like a mother swan surrounded by little rainbow colored goslings.
Another priceless moment came when three double masted boats all sailed together for a few seconds. There was a schooner (Patricia Belle), a ketch (Liebling) and a unique double masted catamaran that is wish-bone rigged like a wind surfer and that miraculously folds up (Cat-2-Fold).
Pamela proudly reported that Sail Fest raised $67,000 (USD) for the children of Zihuatanejo this year.
It is rare to see large boats out sailing in this bay, as most cruisers arrive or depart under engine power with their sails furled.
But on this special day the boats had all their sails up, making for some inspiring nautical images. The schooner, in particular, was very cool to watch, sailing with four sails raised.
We stopped by the schooner to learn more about it, and discovered she has a wonderful and unusual story. Patricia Belle is 65′ long (82′ on deck, including the very long bowsprit), and owners Pat and Jeann have lived and cruised aboard her for fifteen years.
Pat was a sea captain and shipwright for his entire adult life and had built seven boats, some as big as 30′, before designing and building this one.
Patricia Belle was a special project, designed and built by Pat to match the lines of an old steel fishing vessel he admired. When he says he built this boat, he truly means that his hands did all the labor.
And what a labor of love she is. There is surely a tale behind every joint and piece of rigging, and we were lucky enough to hear a few.
There was a crowd on board when we stopped by, so adding two more was not a problem.
We leaped up on deck and were enchanted by what we saw: tall rigging with rope ladders to get up the mast, and a solid bowsprit bearing two furled jibs.
Built of wood between 1994 and 1997, Patricia Belle was launched in California in 1998 and promptly sailed to Nicaragua.
She weighs 100,000 lbs., which turns out to be the same weight as the old Ford dump truck whose steering mechanism Pat borrowed to install in his beloved schooner.
The keel is 21′ long, and it is 9′ deep for the entire length, making the boat track like it's on rails. The rudder is also very over-sized, which makes her able to turn quite easily.
Down below, the crew's bunks are stacked two high in one stateroom, and the crew get in and out by a wooden ladder. Some of Pat's and Jeann's friends had been cruising with them on Patricia Belle for a month or more, and some still had another month or so of cruising to go. What a fun way to spend the winter!
Pat and Jeann used to host guests for charters aboard Patricia Belle, but now they are enjoying pure retirement. All their cruising these days is just for their own pleasure.
One morning when we woke up they were gone — south to Acapulco. But they will be returning north towards Puerto Vallarta later in the season. Hopefully we will see the pretty lines of this beautiful schooner out on the ocean once again.
We still had plenty of things on our agenda for our stay in Zihuatanejo, however. We had friends to meet up with on shore and a boat project or two to take care of.
But most exciting of all was our upcoming trip inland to visit the beautiful colonial city of Morelia.


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Hudson Dental Arts
General and Cosmetic Dentists located in Hudson, NY
Everyone wants a bright, straight smile that can light up a room. No matter how old you are, braces can help you achieve this. At Hudson Dental Arts in Hudson, New York, our dentists will refer you out to our specialist at our office in Coxsackie, NY to offer a variety of choices when it comes to braces. You can get different colored braces or even clear aligners. To find out more about orthodontics at Hudson Dental Arts, call or use the online booking tool today and schedule a free consultation.
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Braces are orthodontic appliances used to correct crooked or misaligned teeth. They involve using metal brackets and wires bonded to your teeth to encourage a gradual shift in the positioning of your teeth. The result is a proper alignment of your teeth and a straighter, healthier looking smile.
Dentists can start to see orthodontic problems developing in children as early as age 6. Most children will begin orthodontic treatment between ages 8-14. But this doesn't mean adults can't get braces. Teeth can be treated orthodontically at any age.
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The metal brackets on your teeth are connected by wires that apply controlled force. This element of force slowly shifts your teeth into optimal position over time.
As you come in for check-ups, Dr. Pizer will occasionally tighten the wiring to change the amount of controlled force, encouraging further movement of your teeth.
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Many people might think of braces as being painful and a constant nuisance. However, today's braces are more comfortable than ever. The newer materials that Dr. Pizer uses to apply a constant, gentle force to move teeth, and the braces usually require fewer adjustments throughout your treatment.
Keeping food particles out of your brackets can be tricky and make the experience of wearing braces slightly uncomfortable at times. However, Dr. Pizer and his staff can provide you with tips and techniques on how to combat this, such as carrying a pocket mirror and using special toothbrushes.
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Saturday and Sunday: Closed


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Ei-Rufai flags-off N1.209b free sch uniforms
Ei-Rufai flags-off N1.209b free sch uniforms
By Ahmed Audu, Kaduna
Kaduna State Governor, Nasir el-Rufai, yesterday flagged-off distribution of free school uniforms to over 400,000 students of Government Secondary Schools in the state.
The governor, who was represented by his Commissioner for Education, Science and Technology, Dr Shehu Adamu, at Maimuna Gwarzo Government Girls Secondary School, Tudun Wada Kaduna, hinted that the state government will spend N1.209billion on the programme.
This, the commissioner said was part of action required following the declaration of state of emergency on education sector by the governor during his address to people of the state on October 1st, 2015.
According to him, the programme covers students from junior secondary schools to senior secondary schools, adding that it also meant to provide uniform identity to all students in government secondary
schools across the state for easy identification.
He said, "the programe cost the state government over N1.2 09 billion to produce uniforms to over 400, 000 students in the entire government secondary schools in the state.
"So far, we have attained 70 per cent completion of the exercise. A shirt and trouser cost the government N2, 400
for boys, N2, 800 for girls with skirt, and N3, 200 for girls with hijab, "he said.
The commissioner added that the distribution would also be carried out at all the ministry's Zonal Offices, hopefully by next week, when the remaining uniforms are delivered.
The Principal, Maimuna Gwarzo Junior Secondary school, Hajiya Umma Ibrahim, thanked Kaduna state Government for what she termed laudable gesture.
Posted from GoBroadsheet


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tv The Daily Show With Jon Stewart Comedy Central November 6, 2012 2:00pm-2:30pm PST
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new film "facing mavericks." it's a film following sarah palin around. (laughter) whatever happened to that lady? i don't know. let's begin tonight with last night's presidential debate in boca raton, florida, which is spanish for "rat's mouth." (laughter) and yiddish for "heaven's waiting room." (laughter and applause) this is the third and-- thank god-- final debate between barack obama and mitt romney. to topic, foreign policy. bad news for president obama because -- >> in the history of presidents of the united states, he's our worst at foreign policy. >> this is a very weak ill-conceived foreign policy. every place you look is failure. >> the jimmy carter years look like the good old days compared to where we are right now. >> the president has
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communicated weakness. >> jon: weakness in foreign policy! obama is weaker than coolidge in foreign policy! weaker than polk! weaker than president flinchington j. craphispants. (laughter) as you know, the only president in united states history who ever had his wallet stolen by a baby. (laughter) you don't hear as much about old president craphispants. (laughter) but given obama's foreign policy record, this debate is going to be a bloodbath. >> i congratulate him on taking out osama bin laden. drones are being used in drone strikes and i support that entirely. and feel the president was right. i want to underscore the same point the president made. i felt the same as the president did. i supported his action there. absolutely the right thing to do to have crippling sanctions. (cheers and applause)
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>> jon: i think romney's leaning obama! (laughter) apparently romney is one of this year's coveted swing voters. look, how closely did mitt romney align himself with what had, i guess up until last night, been the worst foreign policy ever? listen to these guys duet on syria. >> i believe that assad must go. >> assad has to go. >> i don't want to have our military involved in syria. >> for us to get more entangled militarily in syria is a serious step. >> so the right course for us is working through our partners -- >> -- in consultation with our partners -- >> -- to identify responsible parties within syria. >> mobilizing the moderate forces. >> organize them. >> helping the operation organize. >> we need to make sure -- >> making absolutely certain -- >> that they don't have arms -- >> -- arms ? >> the wrong hands. >> to hurt us down the road. (. >> (both together)
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thank you. (cheers and applause) >> jon: wow, what the hell was that? on foreign policy it appears that all that's left for the presidential race is this one model. i mean, at least we still get our choice of color but it's the same model! (laughter) what the hell's romney up to? the whole debate was a tour of bizarro land. here's romney on the afghanistan withdrawal. >> well, we're going to be finished by 2014 and when i'm president we'll make sure we bring our troops out by the end of 2014. >> jon: 2014 withdrawal date no matter what! that's barack obama's plan! (laughter) the weird part is, it never used to be romney's. >> announcing a withdrawal date, that was wrong. the taliban may not have watches but they do have calendars. >> jon: calendars? i meant colanders. they have colanders. (laughter) and did i say withdrawal date was wrong? i meant right!
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(laughter) how about iraq? >> governor romney, was the war in iraq a good idea worth the cost in blood and treasure we have spent? >> it was the right decision to go into iraq. i supported it at the time; i support it now. >> jon: but do you support it -- (laughter). now? >> we don't want another iraq. we don't want another afghanistan. that's not the right course for us. >> well, i guess that's not a flip-flop so much as a principled recognition because of the iraq war's current unpopularity. (laughter) you know what? iraq and afghanistan those are yesterday's wars. it's tomorrow's war that counts and if there's anything governor romney has been vociferous about lo these past 18 months it is his uncompromising belief that it's time to rattle our sabers at iran. >> this is a president who should have instead communicated to iran that we are prepared, that we are considering military options, they're not just on the table, they are in our hands. >> the president should have
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built credible threat of military action. when they see our military option in our hand, a possible blockade or aerial strikes they recognize we mean business. >> jon: we mean business mother (bleep)! (laughter) blockade! aerial strikes. pew! pew! we're going to get you, iran! all right. so here's your chance to contrast obama's appeasement through diplomacy with your freedom through strength. >> it's also essential for us to understand what our mission is in iran and that is to dissuade iran from having a nuclear weapon through peaceful and diplomatic means. we want a peaceful planet. we want people to be able tone joy their lives and know they'll have a bright and prosperous future and not be at war. i want to see peace. (laughter) >> jon: get a hair cut, hippy. (laughter and applause) governor romney appears -- (cheers and applause)
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governor romney appears to have made the calculated decision that his bellicose and hawkish performances in the republican primaries would be less appreciated by the normals. but here's the crazy part. after basically casting off what were months and weeks ago his bedrock principles and beliefs to copy obama's policy position in a transparently cynical appeal to undecided, guess which quality romney chose to highlight as the difference between the two men? >> leadership. we should be playing the leadership role. america must lead. we need strong leadership. real leadership. i'd like to be that leader. >> follow me! i'll be right behind the president! (laughter and applause) i've got to say, by the end of last night i was beginning to worry we were in some kind of "freaky friday" situation where barack obama -- they somehow peed in the same fountain and switched bodies or just --
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(laughter). remember two weeks ago when romney was the one who was all confident and staring daggers at obama and the president was looking at some rapturous dreamland that only he could see? (laughter) well, last night it was obama delivering the death stare while romney suddenly found something on his podium incredibly fascinating. (laughter) and that's not all. obama who, as we all remember, was (bleep)ing asleep during the first debate was hitting romney left and right with the zingers. >> well, governor romney is right, you are familiar with jobs being shipped overseas because you invested in companies that were shipping jobs overseas. >> jon: boom! >> you mentioned the navy, for example, and that we have fewer ships than we did in 1916. well, governor, we also have fewer horses and bayonets. (cheers and applause). >> jon: bam! >> the biggest geopolitical threat facing america you said russia. not al qaeda, you said russia. and the 1980s are calling to ask for their foreign policy back. (laughter and applause). >> jon: well, that was a little hackie.
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i mean that was -- that was a it will roasty. i wouldn't (bleep) your foreign policy with margaret thatcher's (bleep), come on! hickory dickory dock, your geopolitical understanding can suck my -- (laughter) sorry. that's -- no, please don't because then i'll do it again some night. (laughter) so the president had a good night. must have felt pretty confident because he was letting his professor or y'all side shine through. especially when it came to one country. >> we've created partnerships throughout the region to deal with extremism. in somalia, in yemen, in pakistan. >> jon: what? really? (laughter) pah-kee-stahn? really? suddenly you're a guy who's desperate to prove you once roomed with a foreign exchange student? (laughter) look, this is america, we don't use the pronunciation locally. we don't say may-hee-co or
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frahnce. mexico, france. pakistan. (laughter) all in all last night made a fine conclusion, though, to the trillltrilogy of debates betweee two candidates eager acceptance of remote controlled hellfire drones to achieve that end. we learned mitt romney has basically come around to barack obama's position on foreign policy and barack obama's come around to the bush administration's policy on aggression overseas but don't worry, people. >> the foreign policy debate of the three debates i assume this will be the least watched of the three. >> so many voters in recent polls have said they don't care anything about foreign policy. >> yes or no, this debate matter? >> i don't think so. (laughter) >> jon: we'll be right back. (cheers and applause)
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(cheers and applause). >> jon: with the third debate out of the way campaign now enters its final phase so we turn to john oliver and aasif mandvi, they've been following the two campaigns. time for the end game. gentlemen, how are you? (cheers and applause) you two have been on the bus with both campaigns. these campaigns are finally making their closing statements of this election. john oliver, let's start with you. what is obama campaign's closing
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speech and pitch to the american people? >> simply this, john. the obama camp feels the choice is simple. maybe obama hasn't been the president you wanted him to be. perhaps he didn't meet the high expectations he set himself. but the other guy, jon, is a total dick! (cheers and applause) i mean that. jon, he's a six-foot shaft with tiny ballses for feet. he may not fire you himself but you know that when he's looking at you he's unemploying you with his eyes. (cheers and applause) now, if you will excuse me, jon, i'm going to stare at aasif while he's talking, thereby dominating him visually. (laughter). >> jon: well, all right, seems like a relatively low-brow closing argument from the obama campaign. aasif, you've been with the romney campaign. what's their closing argument? >> well, what do you want it to be? (laughter) (cheers and applause)
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look, jon, um, mitt romney has been running for president for seven years. these are two short weeks left in the campaign. the polls are narrowing in key states. he just needs to pick up a few more votes to lock this thing down. so at this point, he really wants to know what individuals think so he can think it, too. because, jon, he really, really wants to be president. (cheers and applause) >> jon: that does seem like if i may say so, and i don't -- and i see what you're doing there, john. a breath takingly cynical tactic. >> you think so? (laughter) >> jon: i do. >> well, then mitt romney does, too! (cheers and applause) he always has since day one. >> oh, come on, jon, he's just being a dick! i'm telling you, salt and pepper pubic hair. real dick! real dick!
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>> jon: i hate to say this but by calling everyone a dick all the time i think the obama campaign's closing argument comes across a little dickish, quite frankly. >> no, no, no, you can't call them a dick for calling out a dick, jon. you can't call double-dick. (laughter) you can't do it. >> that's ri ridiculous. >> it is ridiculous, jon. it's not the kind of values governor romney grew up with as a lost jewish kid in central jersey. >> jon: what? wait! what? >> governor romney learned during his days listening to bruce springsteen in a -- >> jon: what? >> in a haze of pot smoke dreaming of becoming a stand up comedian. >> jon: oh, my god! that's just like my life. i didn't know romney was so relatable! >> jon, you see what he's doing! this isn't a question of romney's biography, this is about hard experience. you've heard the president, he's been everywhere. from pah-kee-stahn, to bra-see-o, to (southern accent)
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south carolina and of course (southern accent) australia. >> jon: (laughs) that's how australians say australia? >> they do if they're from south carolina, jon, yes. >> jon: pronouncing these different regions like you're a sophomore just back from a semester abroad is pretentious. it's a little dickish. >> jon, this is no time for name calling and, in fact, governor romney understands john oliver's frustration. (laughter) it's a feeling that's been nagging at him since he was a scrappy little street rat selling papers for tuppence in chittany square. can. (laughter) (cheers and applause) >> jon: what? >> (in a cockney accent) that's the life wot i lived! romney for presidentnt
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(cheers and applause). >> jon: welcome back. my guest tonight, his new fame is called "chasing mavericks." >> i want to ride that wave. i want to that i can that drop. >> it's not gonna happen. >> why not? >> because untrained boys don't step in the ring with mike tyson, that's why. >> i can handle it! >> you don't just do it. buddy, i've been surfing that break for 20 years. do you have any idea how much strength and know how you need to survive a break like that? >> i'm getting stronger by the day. i'll hold my own. >> stronger by the day, huh? okay, gave me your hand. now resist me. okay? no, you're not -- >> jon: oh, i'm sorry. (laughter) please welcome gerard butler! (cheers and applause)
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>> jon: nice to see you. (cheers and applause) i guess my first thing i'm going say to you is this "grab my hand." (laughter) resist me, butler! those aren't hands they're like (bleep)ing meat hooks, jesus! what's happening? >> nothing, man, just -- i just realized how much i missed my hair. i mean it's -- >> jon: oh, is that true. >> yeah, it doesn't really look like it was, my hair. >> jon: you like it more flowing, a little more "bravehearty." as much -t as it looked bleached as hell but it was a fun cut. >> jon: >> jon: let me ask you this. did you do the things you wanted to do with your hair when it was that long or no? did you get a convertible and drive like this? (laughter) >> i mop it had bathroom floor with it. >> jon: see, i'm the opposite. when i get a hair cut now i feel liberated. i feel -- when i my hair gets too long and i get it cut i feel like oh, now, going attack the
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day. maybe it's a -- i have what do you call it osteoporosis so i don't have the bone density that a long hair -- (laughter). you're a haler figure, perhaps. >> i don't know, maybe. >> jon: i can (bleep)ing talk about this the whole time. i'm not going to it will you off the hook at this. >> well, you're right, there's something very freeing about getting it shaved off. i was just watching that there going "oh, god, i had long hair once." >> jon: let me ask you a question. we've got a monitor there. give me a quick butler single. (cheers and applause) let me ask you this. do you think to yourself "nice"? (laughter) do you ever think to yourself "i'd hit that. i'd hit that." (laughter) >> i do frequently. (laughter) laugh. (cheers and applause) >> jon: give me my single. is that skin cancer?
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what is that? (laughter) >> i'd hit that, too. >> jon: thank you, i appreciate it, it's very unhittable. i know everybody's asking you about. this they're doing this surfing film. do we have the footage of him in this crazy -- all right, so he's out -- >> the red board there. >> jon: watch this. this is insane. now watch how high the water suddenly comes -- (audience reacts) how high is that? >> that's over 30 feet. >> jon: that's a 30-foot wave and you're underneath it. >> and when the camera comes -- look at that. it's like three miles of coastline and it's just -- everything's wiped out. >> jon: everything's wiped out. what were you doing out there? (laughter) >> it does seem like a logical question. i was asking the same thing when i saw that wave coming and i knew there was no escape i thought how the (bleep) did i end up out here? >> jon: were they filming? was that being -- >> we were filming at the time. we were in the middle of filming, we'd gone closer into the rocks and we're just --
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we're getting ready for something and we just saw this huge set of waves coming in and it was like watching a tsunami and they start going -- >> jon: it's 30 feet of water. that's a three story wave. and when you're underneath it, how long are you under there? >> well, i was -- i had what's called a two-way hole bank. some people don't make it through. those waves there's 18, 20 seconds between them. plus they take you with them. so you're underwater going along with the waves and i didn't make it back up for the next one and i had already been paddling and trying to get out of the way. so i was exhausted by the time that wave hit. >> jon: who got -- did you pop up? how did you get out? did somebody reach down and grab you? like what -- do you remember getting out? were you -- >> yeah, no, i came up and i went "oh, christ." then i saw the next wave coming and i was like "oh, not again!" and one t guy who taught me e to surf was there on a jetski and he came over but the look on fear on his face that's when i realized how (bleep). (laughter)
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and i few he wasn't scared for himself but it was like -- >> jon: sure, she had a jetski! >> exactly. yeah. oh, nice one, you get the jetski! so he had to turn around because the wave was coming and he left. (laughter) and i'm like all right, here comes the next one. and it took me down again. and then i came up again and then one of the surrers who was maybe over 30 yards away, it was all blurry now and i think he's saying "calm down, you'll be all right." and i'm thinking "i'm not all right." so now i'm at the rocks and the next wave came and took me down again. and finally i came up and grant came in and he grabbed me in. >> jon: i thought you were going to say "and then a giant boot came down and stepped on me." (laughter) at that point did they say like "hey, where's gerard's stunt double?" like, did they get somebody? (laughter) >> yeah. the insurance company stepped in and did that. "gerard, stay on the shore."
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Installation Instructions
1. You will need to mount the GROW Tower. To do this choose a place close to the output pipe of your filter. If this is on a concrete pad you can drill a 1/2″ hole in the concrete and using the provided molly bolt, anchor the mounting block to the concrete (see attached image below). If this area is in the dirt you will need to dig a hole and pour concrete in it and mount the Tower in the wet concrete using the extension bolt included (see attached image below).
2. Once the Tower is mounted you will need to install the 2″ three way valve, included with the system, into the return line leading from your filter back to the pond. To operate this system properly you will need at least 4 psi of water pressure coming from that pipe. You can increase the pressure to the GROW System by slowly reducing the flow through closing the three way valve. Caution – This may slow down the flow of water back to the pond to an unacceptable level.
3. If you have at least 4 psi of pressure at that point than you can connect the 3/4″ black hose directly from the gray barbed fitting on the three way valve to the gray barbed fitting near the top of the Tower. If you do not have at least 4 psi of pressure at that area of your system you will need to install the optional booster pump for the system. This booster pump will provide the needed pressure to operate the system properly. Place the booster pump near the bottom of the Tower. Cut the black hose in two pieces, allowing enough hose to connect from the multiport head to the pump and another piece to connect from the pump to the barbed fitting near the top of the Tower. Install the hoses. Plug the cord into the open outlet on the bottom of the electronic timer.
4. Connect your modified drip system to the ball valve on the Tower marked "landscape". (see information on How to install a modified drip system).
5. Once the drip line is connected to the Tower simply follow the instructions on the side of the Tower to measure the flow rate of your individual drip system.
6. Once you know the flow rate of the system simply follow the separate instructions included with the timer to program in exactly when and for how long you want the system to come on for. This will dictate exactly how much water you will change at one time and also, how often this water change will take place.
7. Once the system is programmed and turned on you never need to touch it. It will automatically perform regular, precise water changes with no cost or effort on your part.


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ORACLE/PRIMAVERA for Construction Controls
- Master Scheduling and Systems Integration/Analyst
- Program Controls
- Reviewing Construction Schedules and Reports
- Providing Technical and Administrative support for Primavera.
- Program Management (cost tracking, network administration, document controls)
- Invoice Processing, Multi-Year Project Budgeting and Tracking
- Website Management, Reception
- Coordination Services of all Construction projects.
- Forensic Analysis, Time Impact Analysis (TIA)
- Fair Cost Estimates(FCE)
- Recovery of Troubled Projects
"Mike has presented at AGC, CMAA, AIPE, Winsight , AACEI & LCI conferences all regarding Just-in-Time Construction and delay prevention, so looking to "Root Cause" in forensic analysis is understood by Mike!"


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By Daisy Dumas
She's been coined the 'Queen of less' - and with good reason: Jil Sander's eponymous label certainly seems know how to make much of very little.
The design house's latest take on throwaway fashion has seen a gaggle of fashionistas flock to buy a $285 brown paper bag.
The sell-out Vasari 'clutch' is made of coated paper, has stitched edges and even comes with eyelets - for breathability? Safety? Your convenience?
That the German fashion house's design looks identical - but for a subtle logo - to the highly practical but tell-tale bags that wrap around longnecks, packed lunches or doctors' prescriptions is, we can only assume, a whimsical statement by the high fashion maven.
Worn on men's runways, we're fairly sure the look is unisex, giving even the most elegant female Jil Sander fan the chance to dabble in hobo-chic.
The Telegraph reports that the dubious accessory has sold out at its one London stockist as well as at the brand's online store. And a black leather version will leave just enough change from $800 to buy a six-pack.
As droll as the splurge buy is, it is not the first time Jil Sander has reappropriated another man's rubbish. The label sent models down the catwalk with coloured plastic shopping bags last year - acetate versions of your average supermarket carrier bag.
Let's just hope these victims of fashion don't accidentally chuck out their latest wardrobe acquisitions next time the rubbish is collected.


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Backpackers : Beware of Drugs and Alcohol
Exciting Times
Oh yes, we've all been there. Be it as students or in more "mature" years, travelling and backpacking can be one of the most exciting, fulfilling experiences we ever undertake as individuals. What we also see is the huge level of literature available to travellers to be wary of what they may experience while visiting these places. A key pillar of these informational pieces is drugs awareness. It can be very easy when you're away and the pressure is off to forget anything else, focus on yourself, you want to have a good time so you're going to experiment a little bit.
Beware Of The Danger Lurking
Enjoy Yourself
Obviously you want to have fun before returning home and getting a 9-5 and settling into your mundane life. We'd never discourage that, all we ask is that you observe extra caution and heightened levels of drugs awareness at all times. Control alcohol intake at all times and keep your wits about you, don't accept drinks from strangers and don't take drugs. Ask yourself if the risk is really worth it? It could be the last thing you do, after all.
If you want to boost your alcohol and drugs awareness, take a look at Innovation with Substance.


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We are a specialist in providing active aging and mental well-being workshops for the elderly and patients with various brain related impairments such as brain injury, depression, Alzheimer's disease, Dementia and stroke. We are currently working with a number of rehabilitation centers in Singapore such as APEX, St Luke's, SWAMI Home, Kwong Wai Shiu, Ramakrishna Mission and Singapore Cheshire Home.
Why we choose clay:
a) Highest tactile cognition factor
b) Object permanence
c) Longevity
The three factors mentioned are the fundamental criteria we have instilled for a medium to be in line with the principles of Neuroeducation. Research has shown that clay is one of the few platforms available today, that is of greatest sensorial value.
|Available for booking
|Selected for booking
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Camp Enduro
What a fantastic day I just had at the No Fuss Events Camp Enduro in Dunoon. The Camp Enduro weekend is for mountain bikers with beginner to intermediate skills. I was riding with a brilliant group of ladies from Dirt Vixens, coaching their riding skills and getting them ready for the race tomorrow. They all pushed themselves out of their comfort zones, enjoyed plenty of laughs with lots of support for fellow riders embracing the enduro love. There was certainly no place for Macho behaviour but there was plenty of commitment on the trails.
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Mike Pescod
Self reliance is a fundamental principle of mountaineering. By participating we accept this and take responsibility for the decisions we make. These blog posts and conditions reports are intended to help you make good decisions. They do not remove the need for you to make your own judgements when out in the hills.
November 2023


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Would you like a short city break to Chicago or do you have some business to attend there? With this American Airlines flight found by our deal hunters you can fly from Boston to Chicago for $176 r/t with taxes included, just hurry, the flight is in late October!
You can find this cheap Chicago flight on Travelgrove as well as Faregeek, but check the other providers as well to make sure that you are booking the best flight deal!
- Flights
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Boston to Chicago flight deal
Check the screenshot for all the details and you will see that you will fly from Boston Logan International Airport (BOS) on October 26 and will return two days later from Chicago O'Hare International Airport (ORD). The flight is non stop each way and Iberia Plus, the frequent flyer program American belongs to, will provide you with 1,728 award miles for flying with the airline. This amount is about 5% of a free flight with American between the US and Europe.
chicago airfare deals
American Airlines' offer for $176 r/t is by far the cheapest that we have found. The second cheapest offer is a US Airways flight for $209 r/t, exactly $33 more expensive than American's deal. Take a look at the table to see the five cheapest flight deals we have found for this route.
|American Airlines
|US Airways
|Spirit Airlines
|Delta Airlines
|JetBlue Airways
fly with American – DEAL SUMMARY
Price: for $176 r/t
Taxes and fees: all included
Departure date: October 26 2014
Return date: October 28 2014
Departure: Boston Logan International Airport (BOS)
Destination: Chicago O'Hare International Airport (ORD)
Airline: American Airlines
Frequent flyer program: Iberia Plus
Class of service: Economy
Provider: Faregeek


text: On 24/02/2012 17:16, David Lee wrote: > For fun try relaxng compact notation Yes I'd always use that by preference and then just get the xml form with trang for any systems that need it. David ________________________________________________________________________ The Numerical Algorithms Group Ltd is a company registered in England and Wales with company number 1249803. The registered office is: Wilkinson House, Jordan Hill Road, Oxford OX2 8DR, United Kingdom. This e-mail has been scanned for all viruses by Star. The service is powered by MessageLabs. ________________________________________________________________________


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Emblematic of the feeble condition of Western political thought these days are the indications that there is more agreement about the evil of terrorism than there is about the value of democracy.
Witness an observation made recently by Patrick Cockburn, a British journalist admired by many on the Left, who wrote in The Independent:
The "war on terror" has failed because it did not target the jihadi movement as a whole and, above all, was not aimed at Saudi Arabia and Pakistan, the two countries that had fostered jihadism as a creed and a movement.
For those who want to distance themselves from the crude lexicon of Bush and Cheney, jihadism is supposedly a word with less charge, signalling that the term's user is not on a crusade. Yet under this veneer of objectivity there is sometimes a surprising concordance with the neoconservative perspective.
Over a decade ago, I wrote:
Richard Perle, in quasi-theological terms, posits a "unity of terror." In the same spirit, an editorial in Sunday's Jerusalem Post, in reference to the terrorists who killed three Americans in Gaza this week, goes so far as to say:
Whether it was Hamas, Islamic Jihad, or perhaps even al-Qaida itself matters little and in fact tends to distract from what the West knows but often does not like to admit: The tentacles all belong to the same enemy.
Within this conception of terrorism, a phenomenon that is scattered across the globe has been turned into a beast of mythological proportions. The explicit connection is militant Islam, but whether the "tentacles" linking Islamic terrorists amount to concrete connections through finance and organization, or whether we are looking at bonds that have no more substance than a common cause or simply the common use of particular techniques of terrorism, these are all distinctions that the unitarians dismiss as distractions.
Cockburn now writes:
These days, there is a decreasing difference in the beliefs of jihadis, regardless of whether or not they are formally linked to al-Qa'ida central, now headed by Ayman al-Zawahiri. An observer in southern Turkey discussing 9/11 with a range of Syrian jihadi rebels earlier this year found that "without exception they all expressed enthusiasm for the 9/11 attacks and hoped the same thing would happen in Europe as well as the US".
When a veteran reporter makes this kind of observation, even though he does not identify his source in any way at all, there will be many readers who treat Cockburn's word (and thus that of an unidentified "observer") as definitive. In so doing, they ignore the fact that this characterization of the Assad regime's opponents perfectly mirrors the regime's own propaganda.
One can treat Assad's claim that he is fighting terrorists as a statement of fact. Or, one can treat it as a cynical and effective piece of political messaging — messaging one of whose purposes is to corral some sympathy from those in the West who, paradoxically, both vehemently reject the military adventurism that the neoconservatives initiated after 9/11 and yet also fully embrace a neoconservative view of unified terrorism.
When labels like jihadist and terrorist get used with sufficient frequency, the mere fact that the terms are used so frequently solidifies the sense that we know what they mean.
Any label applied to a person, however, calls out for a corrective: the voice of that person — a voice which may reinforce or undermine the stereotypes that repetition has created.
When it comes to the jihadists in Syria, we rarely hear what they have to say about themselves and if Cockburn is to be believed there's little reason why we should be interested in hearing such individuals speak, since they all think alike and are all enemies of the West.
Earlier this year, a rare glimpse of foreign jihadists in Syria came in the form of an interview with a Dutch jihadist. Speaking in English, he provided a more nuanced picture of what has led young men like him to leave their families and join the fight against the Assad regime. Indeed, he spoke at length characterizing this more as a fight for Syrians than as one against their government.
His is just one voice. To what extent he can be taken as representative of others is open to question. Young men can easily be blinded by their own convictions or become servants of the agendas of others.
But while it's perfectly reasonable to view with skepticism anyone's claim that Islamic law would provide the panacea that can heal all of Syria's wounds, the account that this former Dutch soldier gives of himself suggests to me that he knows his own mind.
He's the kind of jihadist that both Patrick Cockburn and Bashar al-Assad would have you believe does not exist.


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The new horror/thriller "READY OR NOT" is in theaters this week directed by Matt Bettinelli-Olpin and Tyler Gillett, with Samara Weaving in the lead as Grace. The story in this one revolves around a bride who on her wedding night stays over with her filthy rich in-laws at their lavish estate. But it isn't going to be a common sleepover for this newlywed. The family fortune was built on selling games to the world over generations, and on this night they all take part in a game that will be the most terrifying one of this young woman's life.
I will admit that despite the trailers looking like a good time, I didn't have the highest of expectations for this movie. I worried it would result in a routine horror romp with some blood, some killing, and maybe a couple laughs. As well as the usual dark and ominous backdrops blended with the procedural musical scoring in an attempt to create some tension, and probably a collection jump-scares. I wouldn't call myself a pessimist, but as a fan of the genre I tampered my excitement as to not be letdown. I didn't want to go in and hope for something unique, only to get a mashup of genre tropes and flat characters that inevitably get picked off one-by-one while generated zero emotional investment.
Always in hopes of a good time at the movie's nun the less, I kept an open mind and I think it turned out to be good luck because I had such a great time with this movie and the energetic tone it carried. It knew exactly what is was, and what it wanted to be. It seemed like it felt confident in its story as it was, and it didn't try and force moods or tones by skewing too far off course. This allowed it to play out with a fun natural progression despite its massive levels of eccentricity and quirkiness. The plot is more than a little on the absurd side. But there is a foundation to it and plenty of motivational layering as well that make watching it surprisingly captivating, and even unpredictable in areas.
At first glance this seems like a common, self-indulgent wealthy family. But they are a wildly bizarre family as well and with that comes a fresh, charming appeal to the simplistic plot-line of a singular character trying to survive a group of attackers for the night. Something we have all seen done before. With this structure it incorporates a variety of character-types that in turn provide a vibrant mix of personalities. With that comes different emotional tones and responses from them all as the story advances. There were things to like and dislike about all the family members that does add mild amounts of intrigue and this substance to the characters goes a long way in terms of entertainment.
This ensemble of characters also allowed for a variety to the comical swings. And added with some nicely crafted writing, the humor was a great complement to the more grim, darker moments of the narrative. There weren't clearly placed jokes for the sole intent of landing a laugh. Instead there were crazy situations, blunt visuals, stark violence, story misdirection, and the animated reactions from the characters that landed genuine amusement throughout. The movie delivers equal amounts of suspense and violence but cuts it with a sense-of-humor that never felt overly out of place. The combination worked for me and it had my attention locked in for the entirety. And with a modest runtime, it doesn't wear out its welcome. It also provides just enough exposition and leaves enough for the imagination which is something I enjoyed and simply wasn't expecting from this one.
There is no question the performances were what made this movie. The writing was very capable without question. But the cast elevated it with their charisma behind the lead of Samara Weaving who was truly the heart of this film. She brought a ton of emotion to the role as well as a strong comedic timing that made her very much feel like a common, relatable person in today's world. Her responses and reactions felt genuine which certainly helped ground the over-the-top story themes just enough. You can't help but connect with this character through her performance, which makes you naturally want to see the story out with her. The members of the Le Domas family were fantastic. Andie MacDowell was extremely capable and layered as the mother with a sincere side and very much a callous one as well. Adam Brody was great as the conflicted member of the family that goes along with but does not agree with the family traditions. And then you have the patriarch of the family played excellently by Henry Czerny who clearly embraced this role, as everyone did. The energy and charm from everyone elevated their characters to fit the tone of the story perfectly, and I enjoyed getting to know all of them and their layers of controlled insanity.
From a technical aspect this is a solid film with strong visual appeal. The cinematography and the direction complement one another nicely to create both a warm an inviting, but also ominous backdrop for the story. One that succeeds in building its own atmosphere despite is similarities to other movies singular locations and related plot-lines. This isn't a perfect film, but it's a very capable one that knew its intent and never veered off course. It's ridiculous in all the ways you want with just enough seriousness to connect it all. I would have liked a little more killing in the second-act, and maybe some added intensity in certain areas could have gone along was as well. There were also some recycled themes in the film that could have been changed up as well to pull the progression from its mildly formulaic structure. But regardless it all works together nicely to create a solid horror/thriller that is worth checking out.


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Value Post 3: Like Law Firms, GCs Must Deliver More Value to Their Clients
Law firms have been so wrapped up in their own challenges that they often neglect to think about the fact that legal departments are also under substantial pressure to deliver value to the business. General Counsel may consider their outside lawyers a "necessary evil," but many company executives and boards consider their in-house lawyers a necessary evil also. Whether their lawyers are inside or outside, most business executives and boards view lawyers as an expense to the business and in some instances, do not perceive them to add real value to the organization. Just as law firms are trying to deliver and add value to their clients, the leaders of in-house legal departments are trying to do the same.
In an inaugural Global General Counsel survey conducted in 2012 by KPMG, it is clear that there is still a gap between the strategic benefits GCs can provide and the level of their involvement in actually doing so. One key piece of evidence is the number of GCs that actually have a seat on the company Board vs. those that don't but still report directly vs. those who don't report directly.
|Across Markets
|Mature Markets
|Growth Markets
|North America
|Have a seat on the Board
|Report to the Board directly
|Report indirectly to the Board
This represents progress in that a decade ago, most General Counsel did not have a seat at the table. However, this illustrates that Boards still do not value the GC role as highly as perhaps they should and as many GCs would like. Not only do GCs believe they have can provide more value to their organizations, they know that GCs who sit on Boards also are compensated more highly than those who don't serve on the Board.
In mature markets, 88% percent of GCs are more involved in the formulation of the company's business strategy than five years ago. The survey also found that GCs recognize the need to be much more involved in day-to-day operations of the business and to help the business achieve its objectives which may mean taking on risk as opposed to the traditional legal role of avoiding risk at all costs. The report quotes one GC as saying:
"We are here to enable and protect value. It's not a question of 'legal says no' it's legal says 'I understand what you want to do, here's how you can approach it.'"
Looking within the legal function, the survey considered three areas in which company legal teams can demonstrate value: commercial focus, cost effectiveness and innovation. For David Tudor, General Counsel of Allegro Group, the solution is to map legal and regulatory frameworks in terms of the revenue flows of the business.
"It's about understanding how the business operates, how the cash flows and what the critical risk points are and how they function. This allows you to overlay these commercial issues in a legal and regulatory framework to work out where the critical points lie."
Another survey "General Counsel: Vague about Value?" conducted by UK law firm Nabarro in 2011 found that fewer than 50% of GCs are fully valued in their own organizations. When CEOs and GCs were asked what had been the contribution of the in-house legal function to the commercial value of the company in the past year, 38% of GCs considered they had made a very strong contribution compared to only 14% of CEOs who thought it was very strong. According to Nabarro's findings,
"Many of the CEOs we spoke to were skeptical about whether GCs could make it to the top of the pyramid. As one put it: 'The tasks in the two top levels are nothing to do with being a lawyer, those are tasks for business people to perform. If you ask me if lawyers make good business managers, I would say no.'"
The Nabarro survey's key findings included:
- Management considered "commerciality" as the single most indicator of value of the legal team
- 80% of GCs believed that increasing cost-effectiveness was very important but few used formal metrics internally or externally to measure and improve this.
- Less than 50% of GCs considered their outside lawyers to deliver financial value
Sandie Okoro, General Counsel at Baring Asset management: "understanding not only your business but your industry is one of the most valuable assets a GC can have."
The Value Pyramid
- Strategic business planning
- Change and process management
- Introducing commercial opportunities
- Board influence
- Complex problem solving
- Lead negotiator on significant deals / contracts
- Crisis management
- Risk mitigation / planning
- Influencing business stakeholders
- Developing teams
- Leading external advisers
- Getting the job done
- Providing legal solutions to business issues: compliance / regulation
- Working with stakeholders
In order to bring value to their companies, GCs now have to operate with a focus on the commercial objectives and framework of the business. This will require ongoing interface with and collaboration with the business-side of the C-Suite. In particular, the KPMG survey found that GCs need to work most closely with three areas of the business: Finance (61%) and Internal Audit (59%) with Sales and Marketing third (55%). Yet when asked which parts of the organization they currently worked most closely with, finance and sales and marketing came up almost equally at 59% and 58% but internal audit was down at 36%. This will require some priority attention given the close correlation between internal audit and risk management.
Interestingly, but perhaps not surprisingly, the same challenges that outside law firms seem to be having in showing value to in-house legal departments the GCs are having themselves in showing value to their executives and Boards. According to KPMG's 2012 Business Leaders survey, both need to show their highest value as commercially savvy business advisors, using the same language and metrics to deliver value as business leaders do:
1. Cost efficiency
2. Capital management
3. Growth
4. Business model change
5. People management
6. Risk management
Our next blog post will explore how law firms can co-create value with and for their clients.


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Ethical Considerations In Research
In a paper of 8 – 9 pages (not including title, abstract, and reference pages), demonstrate your understanding of best practices in ethical research from the literature by constructing your own set of recommendations that would help graduate student researchers comply with APA ethical guidelines and avoid common mistakes and shortcomings of conducting research with human subjects. Include in your recommendations ways of ensuring the safety and security of participants as well as protecting participants' confidentiality and the confidentiality of their data. You may write your recommendations as bullet points, as long as you elaborate on each bullet point to demonstrate your understanding of ethical principles and practices, APA ethical guidelines, and ways of protecting participants in research studies.
Finally, apply your set of recommendations to your proposed research study. What kinds of ethical issues might you face if you were to undertake this study? What kinds of protections might you need to put into place to ensure the confidentiality and protection of your study participants?
Support your arguments with references to at least three different scholarly articles (academic journal articles) in addition to any required course readings you reference. Include title, abstract, and reference pages in your paper.


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Stephanie Jakubowski
Adoptive Family Assistant
Stephanie's job involves supporting Adoptive Families throughout their adoption journeys.
Stephanie shares, "I am an adoptee myself, so I really enjoy working with all the people involved in the adoption process, both the families, and my co workers. My co workers are a great group to work with, and I enjoy seeing their dedication and support every day in helping families to adopt."
Outside of work she enjoys hiking with her dog, camping, water skiing and riding horses.
Fast Facts About Stephanie
Favorite Foods: Sushi, Thai, Mexican
Favorite Holiday: Christmas
Favorite Place: Hawaii, swimming in the warm ocean!
Favorite Music: Classic Rock, Country
A perfect day to me… Sleep in, go for hike in Tahoe, a wonderful dinner near the lake, and go to a concert!
Click here to meet the rest of the Lifetime Adoption staff!
Mardie Caldwell
Funding Your Adoption
Called To Adoption
Open Adoption Webinars
Lifetime Adoption, Inc. is a Licensed Florida Child Placing Agency. (License #100084254)
Lifetime Adoption Center is a BBB Accredited Business with an A+ rating
Copyright © | Lifetime Adoption


text: The Blind Man: A Phantasmography examines the complicated forces of perception, imagination, and phantasms of encounter in the contemporary world. In considering photographs he took while he was traveling in France, anthropologist and writer Robert Desjarlais reflects on a few pictures that show the features of a man, apparently blind, who begs for money at a religious site in Paris, frequented by tourists. In perceiving this stranger and the images his appearance projects, he begins to imagine what this man's life is like and how he perceives the world around him.Written in journal form, the book narrates Desjarlais's pursuit of the man portrayed in the photographs. He travels to Paris and tries to meet with him. Eventually, Desjarlais becomes unsure as to what he sees, hears, or remembers. Through these interpretive dilemmas he senses the complexities of perception, where all is multiple, shifting, spectral, a surge of phantasms in which the actual and the imagined are endlessly blurred and intertwined. His mind shifts from thinking about photographs and images to being fixed on the visceral force of apparitions. His own vision is affected in a troubling way. Composed of an intricate weave of text and image, The Blind Man attends to pressing issues in contemporary life: the fraught dimensions of photographic capture; encounters with others and alterity; the politics of looking; media images of violence and abjection; and the nature of fantasy and imaginative construal. Through a wide-ranging inquiry into histories of imagination, Desjarlais inscribes the need for a "phantasmography"--a writing of phantasms, a graphic inscription of the flows and currents of fantasy and fabulation.