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A.P. (DIR Series) Circular No.21
September 16, 2002
All Authorised Dealers in Foreign Exchange
Madam / Sirs,
Disposal of duplicate copies of Export Declaration Forms
Attention of authorised dealers is drawn to sub-regulation D of Regulation 6 of Notification No.FEMA.23/2000-RB dated May 3, 2000 in terms of which on realisation of export proceeds authorised dealers are required to submit the duplicate of the GR/SDF/PP/SOFTEX forms, after due certification, to the nearest office of the Reserve Bank.
2. It has now been decided that duplicate copies of export declaration forms viz. GR, PP and SOFTEX and Exchange Control copies of the shipping bills together with related Statutory Declaration Forms (SDF) should not hereafter be submitted to Reserve Bank along with the R-Returns. Instead, the duplicate copies of the declaration forms duly certified after realisation of export proceeds, with Exchange Control Copies of shipping bills and related SDF, should be retained by the authorised dealers.
3. The Authorised Dealers should, however, ensure by random check of the duplicate forms by their internal/concurrent auditors to confirm that non-realisation or short realisation allowed, if any, is within the powers delegated to them or has been duly approved by Reserve Bank, wherever necessary. Accordingly, paragraphs B1 and B3.B of Part B of Annexure to A.P. (DIR Series) Circular No.12 dated September 9, 2000 may be modified.
4. It is clarified that, authorised dealers would continue to submit along with respective R-Returns as hitherto Schedules 3, 4, 5 and 6 furnishing therein details of the duplicate forms in respect of which export proceeds have been realised.
5. Amendment to the Bank's Notification issued under FEMA, 1999 is being issued separately.
6. Authorised Dealers may bring the contents of this circular to the notice of their constituents concerned.
7. The directions contained in the circular have been issued under Section 10(4) and Section 11(1) of the Foreign Exchange Management Act, 1999 (42 of 1999).
Yours faithfully,
Grace Koshie
Chief General Manager


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Aug 24, 2020
As the church in Jerusalem is persecuted God uses to turn it into a church on the move.
Aug 20, 2020
The Tribes bring offerings to the tabernacle and Moses consecrates the Levites to serve there.
Aug 13, 2020
God instructs the Israelites on how to bring purity back when chaos causes disorder.
Aug 10, 2020
When the needs of the church got to be too much for the Apostles they delegated to a group called the Deacons to handle it.
Aug 6, 2020
We continue in our study of the old Testament by looking at Numbers 3-4.

subset: commoncrawl


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To get to the park from the Superstition Freeway, take Ellsworth Road way south to Hunt Highway, turn left, then right on Thompson Road, then another right on Phillips Road. It's a long trip even for those of us in the heart of the metro area, but it's worth it for the raw beauty of this 10,000-acre park.
We had fun looping around on eight miles of single-track, old jeep trails and sandy washes. A couple of the downhills may be challenging for the newest riders, but otherwise San Tan consists of tame, but fun, stuff.
Plenty of other visitors were here on the day we visited in midspring, despite the remote location. But the desert has its way of swallowing us, and the eye-pleasing vistas sear in our memory for recall during those long hours in the office. The landscape out here is unburnt, classic Sonoran desert full of fuzzy cholla cactus and distant high bluffs. We won a first-place trophy for our soul.


text: 16 December 2014 | 17:00 PM America/Chicago Early childhood education program teaches parents to be teachers Founded in Missouri, Parents as Teachers is a national early childhood education program that pairs parent educators with families to offer support and guidance. In addition to providing strategies and activities, the parent educator also functions as an adult who can offer an unbiased view of a child's development by observing the child month to month. Read more Source: The Kansas City Star


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SILVERSTONE — Valtteri Bottas beat crowd favored and Formula One chief Lewis Hamilton through a wafer-skinny margin on Saturday to disclaim his Mercedes group mate a fifth successive British Grand Prix pole position.
The Finn was an insignificant 0.006 of a second faster than the 5 times world champion as the two Silver Arrows yet again locked out the grid's front row on a cloudy afternoon at Silverstone.
Ferrari's young Monegasque Charles Leclerc will percentage the second row with Red Bull's Max Verstappen, who gained the previous race in Austria where the 2 21-12 months-olds clashed on target as preventing for victory within the remaining laps.
In a time of 1 minute 25.093 seconds, the pole was Bottas's fourth in 10 races this season — extra than any other driver — and profession 10th.
"Ultimately, no longer exact enough," stated Hamilton, who changed into fastest in the first segment of qualifying, of his performance. "We labored sincerely hard all through the session, but it simply got a little bit far away from us.
"I sacrificed a lap in Q2 (the second one section), which would have helped get a reading of how the auto became. And then, simply at the give up, I had that mistake on the first lap, and the second wasn't that high-quality.
"Fair play to Valtteri; he did the task. But it's an extended race the next day, and we've got a top-notch crowd right here, so hopefully, I can do something one-of-a-kind."
Bottas is 31 points adrift of Hamilton in the championship and wishes to close the space, fully aware that his groupmate depends on hitting the full throttle as soon as the August smash is out of the manner.
"I knew the first lap become exact, but it wasn't perfect, and surely I need to progress in the second run, and I'm happy it became sufficient – it's no longer easy to get a short lap collectively, and it's very smooth to make errors," said the glad Finn.
Hamilton stays well-located, but to take a file 6th domestic win and 80th of his profession.
Montrealer Lance Stroll, 20, placed 18th in the qualifying race.
Ferrari's Sebastian Vettel, final 12 months' race winner, become 6th and at the back of Red Bull's French driving force Pierre Gasly at the 1/3 row.
Australian Daniel Ricciardo traces up seventh for Renault, along with McLaren's Lando Norris after some other first-rate performance with the aid of the British teenage rookie whose Spanish teammate Carlos Sainz changed into 13th.
The beginning of vehicle racing started proper after the hit introduction of automobiles powered by using gas. The first actual vehicle race was in 1887, in Paris, France. Actually, it appears weird calling it a race because the simplest one man or woman showed up, so certainly he becomes the winner. In 1894, another car race changed into organized, in Paris, and plenty of don't forget this one the world's first race. 102 people paid the doorway rate; however, only 25 human beings participated in the primary automobile race.
Not everybody started simultaneously & the equal region, and 3 winners were selected based on the handling, the speed, and the protection traits in their automobiles.
The first real vehicle race, wherein all of the motors began equal time, in the equal vicinity, happened in 1895 in France. The winner reached the end line nearly 6 hours before his competitor. That's a large distinction!
It looks like the foundation of car racing lies in France. That's why maximum races, even worldwide ones, at that time, took place in France. Open avenue races in France led to 1903 after a fatal coincidence related to Marcel Renault took place.
The oldest car race music worldwide is referred to as "The Milwaukee Mile." It opened its doorways in 1903. Interestingly, this auto race music became not at the beginning built for vehicles but as an alternative for horses.
The first song that was in particular constructed for car racing is the Brooklands, placed in England. It opened its doorways in 1907. However, in 1939 the Brooklands racing tune was closed, while wartime manufacturing of airplanes and the different plane took over. It becomes extensively damaged all through the Second World War and never reopened its doorways. The Indianapolis Speedway race song opened in 1909. It seems like Brooklands inspired the Indianapolis Speedway.


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Ready for the End
Works of prepper fiction reveal a dark truth about American virtues.
I've turned paranoid lately. When I'm in an airport, I look at the people around me at the gate, trying to suss out who might make a good ally if things went bad. I carry two plastic tubs full of warm clothes, hiking boots, and first-aid supplies in the back of my Subaru at all times. I have as large a volume of canned and dry goods in my pantry and laundry room as the shelves will hold.
The political climate, and the climate climate, aside, I blame apocalyptic novels for my new levels of situational anxiety. In the early 2010s, increasingly addicted to the dark vision and sky-high stakes of the genre, I ate up the canon of traditionally literary end-of-the-world science fiction at rapid speeds: Alas, Babylon; The Sheep Look Up; Lucifer's Hammer. During that time, I drove a lot; separated from my husband by our jobs, I traveled solo through the mountains between Ohio and Pennsylvania, listening to stories of the world's end along the way. Soon, despite a small influx of newly published respectably literary postapocalyptic books (California, The Dog Stars, Station Eleven), I found myself starved for material.
Browsing Audible before one such trip, my by now totally apocalyptic recommendations pushed me to Patriots, by James Wesley, Rawles (the comma is intentional). I didn't understand that I was making a leap between genres when I purchased Patriots, which turned out to be a best-selling 2009 book of prepper fiction. Downloading it sent me down a new rabbit hole that I have yet to exit. Through prepper fiction, I find myself experiencing a subculture by way of its novels, finding some of its ideals repellent, while slowly—and unhappily—coming to agree with others.
One feature, I found, differentiates prepper fiction from mere apocalypse fiction: lists. Apocalyptic stories sacrifice some details of characters' survival tactics on the altar of narrative. But in prepper tales, lists are inevitable. I have to quote this whole paragraph, about a survival group's knife-buying tactics, to give you a sense of how Rawles, a notorious lister, does it:
For skinning knives, most of the members bought standard mass-produced Case and Buck knives, but a few opted for custom knives made by Andy Sarcinella, Trinity Knives, and Ruana. Most of them also bought a Leatherman tool and a CRKT folding knife. For fighting knives, most purchased standard factory produced knives made by Benchmade or Cold Steel. Kevin bought an expensive New Lile Gray Ghost with Micarta grip panels. Against Kevin's advice, Dan Fong bought a double-edged Sykes-Fairbairn British commando knife. Kevin warned him that it was an inferior design. He preferred knives that could be used for both utility purposes and for combat. He observed that the Fairbairn's grip was too small, and that the knife's slowly tapering tip was too likely to break, particularly in utility use. Dan eventually wrapped the knife's handle with green parachute cord to give it a more proper diameter. Because the Fairbairn did indeed have a brittle tip, Dan did most of his utility knife work with a CRKT folder with a tanto-type point.
The lists are a point of complaint for some reviewers online, but the authors of these books know that they're writing something that's a cross between a novel, a shopping list, a survival manual, and a field guide; this is a wholly experimental form, and the results can be awkward. After a while, though, I relaxed into it. Like a high school junior struggling through Moby-Dick's whaling chapters, the new reader has to realize that prepper fiction's blend of description and plot is meant to make the minute details of a supercomplex material phenomenon more visible. Those lists soothed me, since they spoke a language I—a cook, a sometime backpacker, and a committed cataloger of household goods—found easy to understand.
But am I a prepper? Or one of the sheeple? In the books, the difference between these two kinds of people really matters. If you're mapping the tropes of prepper fiction against contemporary American politics, here's where things take a right turn. Even as these books revel in the virtues of self-reliance, they graphically condemn the uselessness of other people who refuse to help themselves. Inevitably, after a catastrophic event, a prepared protagonist encounters people who just cannot believe that their water isn't going to come back on or that the government isn't going to come to bring them their refrigerated insulin.
These sheeple are unreasonable, fussy, picky, and stupid. Are there really people who still can't understand that grocery stores don't fill up by magic? In these books, they are legion. The prepper in A. American's Going Home, stranded by an electromagnetic pulse, walks along a highway and meets a totally unprepared couple. He gives them some water and tells them to pick up the next water bottle they see so that they'll have a receptacle to fill when they come to a water source. The woman resists.
"You mean, pick them up off the side of the road?" The girl had a look of disgust on her face. "Yeah. You got a better idea?" I gave her a what-the-fuck look. "That's gross. I'm not drinking from a trash bottle."
As the prepper walks away, the woman tries to shame him into giving them one of his canteens. ("But you have three different ones, and God only knows what else is in that big-ass bag. We don't have anything. You need to help us!") He refuses, offering her a lecture instead.
In more than one of these books, the prepper encounters people who expect him to share the resources he's planned ahead to store. The analogy with communism or socialism is often explicit. In Steven Konkoly's The Jakarta Pandemic, the prepper character lives on a cul-de-sac with many unprepared neighbors who demand that each household reveal the amount of food it holds, to be put into a stockpile and shared. The prepper's ally accuses the stockpile faction of having a "socialist agenda." The group's other plan, to put together a shared day care, strikes even more notes of Soviet Russia. This kind of sharing, in the book's logic, puts everyone in danger; the mothers who don't want to take care of their own kids will end up sick and, finally, dead. In Rawles' Patriots, the survival group halts a group passing by their retreat, then digs through their belongings, finding first "six English copies of Chairman Mao's Little Red Book" and then "three small human legs and four small human arms." A horrified group member kills the baby-eating communists on sight.
There is a lot of immediate, hair-trigger violence in these books, and when the prepper doles it out, it's always justified. In his introduction to A Distant Eden, author Lloyd Tackit writes: "Mindset is probably 85% of survival and it is difficult to describe. It is easier to show a person shooting another person without hesitation, than it is to explain why it is a stupid idea to let the bad guy draw first." Proving his point, Tackit's protagonist Roman kills a group of four men that comes onto his property as soon as the leader says: "We've come to offer you a deal. We'll offer you protection …" Boom. In Tackit's rendering, the scene is not so much brutal as it is matter-of-fact.
This is the biggest difference between postapocalyptic and prepper fiction: The latter starts where the former only ever ends up. Books such as Edan Lepucki's California or a television series such as The Walking Dead gradually point toward a set of dark realizations—you can rely on no one but yourself and your family and a carefully chosen group of likeminded allies; other people will try to take what you have, perhaps violently; you may compromise many of your ideals in defending what you have. Apocalyptic stories, in other words, make slow meals of discord and disillusionment. Prepper fiction, by contrast, takes this dynamic for granted, starting with the cynicism instead of landing there: People's evil tendencies can only be mitigated by small alliances, like those between family members or comrades in military service.
Do I believe that people stripped of civilization's affordances will turn on one other—that the strong will prey on the weak? I used to have more faith in human nature, but now (is it the prepper binge, or the Age of Trump?) I believe it. Can I turn the corner with these authors and console myself with the thought that I could save myself and my loved ones through my own forethought and willingness to kill? I can't. And that's the darkest timeline of all.
Patriots: A Novel of Survival in the Coming Collapse
Check out this great listen on Audible.com. America faces a full-scale socioeconomic collapse in the near future. The stock market plummets, hyperinflation cripples commerce and the mounting crisis passes the tipping point. Practically overnight, the fragile chains of supply and high-technology i...


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There were a couple of key fiscal pieces of advice I was constantly given when I was a child – "buy cheap, buy twice" and "you get what you pay for."
Both of these are wildly subjective when it comes to life, but do have some grounding in football. Loris Karius was £6m but so was Pepe Reina and Andy Robertson also only cost £8m, so buying cheap does not necessarily mean buying twice. Alberto Aquilani cost £17m (big money nine years ago) and was a disaster, yet Virgil van Dijk is a bargain at £75m and Alisson is fast gathering the same grounding at £66m.
Alisson to save a penalty (vs Man United) – 25.00*
After his dramatic last gasp block last night, the Brazilian number one repaid a significant part of his fee. By stopping Arkadiusz Milik's late toe poke, a save he had no right to make, Alisson guaranteed at least £10m extra prize money for the Reds and I have no doubt more money from the many incentive based sponsorship deals we have too.
Staying at the top table of European football is a huge deal for Liverpool, both financially and in terms of prestige.
And in the midst of what is officially our best start to a season, the context of that save is very important.
Of course, that's now three enormous interventions in four matches from Alisson. His point blank save from Andre Gomes kept the scores level in the Merseyside derby, he reached to the top corner to deny Burnley an injury time equaliser and set up the third goal just a few seconds later at Turf Moor. And last night, he made his biggest intervention for the club yet. These are all key moments in the story of our season – a season where we are going to have hardly any room for error if we want to win any trophies.
The addition of a confident, commanding goalkeeper has made a huge difference to the way we play. Comfortable with the ball at his feet, Alisson is a pivotal part of the way we play out from the back. He keeps the ball well and is extremely composed. Apart from the aberration at Leicester City, when he dallied on the ball and cost us a goal, he has been responsible for very few troubling moments. It does seem as though the Brazilian has learned significantly from his blunder at the King Power Stadium and takes no such chances these days.
The fact of the matter is that we are so solid defensively, there are huge spells where the goalkeeper is nothing but a quarterback, making no saves but just recycling the ball. It is a huge testament to his ability that he manages to make such telling contributions in a team that gives so little away. But when he is needed, he contributes in fine style. Concentration is often what separates the top goalkeepers from the very good ones.
Mo Salah to score 2 or more goals (vs Man United) – 6.00*
The confidence in our defensive displays comes from the fact we have signed one of the best centre halves in the game and the best goalkeeper we could sign for our system. Alisson is great with the ball, as previously mentioned, is a unit who will come for crosses with either a big punch or a catch and he is quick off his line. He has clearly been meticulously scouted in these departments and is perfect for the way we play.
And this is before we acknowledge his shot stopping abilities. That is no longer good enough for the modern goalkeeper – making saves is not the only thing they are judged on anymore. He has proven over the last few weeks that he is very capable of making exceptional saves – and because we defend so well, this is a part of his game we hadn't seen too much of until lately. I do believe that his size has proven to be a huge part of that – the saves he made from Andre Gomes and Milik were all about being quick off his line and making himself as big as possible.
Get on our risk-free bet for Liverpool vs Manchester United here!
We have clearly scouted our man well and just decided to pay what Roma wanted because he would make the difference. It was an awful lot of money but with every passing week and every passing clean sheet, it is increasingly looking like chump change, just as it was with van Dijk.
By giving so little away we have transformed ourselves into one of the most feared defensive units in the country and teams are rapidly lining up to come to Anfield to just lose 3-0.
This is a huge weapon to have in your arsenal – just ask Manchester City.
It's galling that we were dependent on Alisson to win the match last night given our complete dominance throughout the game, but I expect that Sadio Mané slept much better last night thanks to the heroics of his goalkeeper.
*Odds are subject to change.
Leave a comment
by Joel


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Action alert from the League of American Bicyclists:
Calling All Bicyclists and Pedestrians! Please Take Action Today!
Thanks to calls from bicycle and pedestrian advocates like you, the Senate refused to hear an amendment that would have blocked any Economic Recovery Bill money from being spent on biking and walking infrastructure projects. Now we need EVERYONE'S HELP to make certain that there is strong support for Transportation Enhancements $ for biking and walking in the final bill!
Support Bicycle and Pedestrian Projects in the Economic Recovery Bill
The House and the Senate have each passed their own version of the Economic Recovery Bill, aimed at creating jobs and stimulating the economy. Both bills include billions for transportation infrastructure, but only the House bill includes funding for bicycle and pedestrian projects in the Transportation Enhancements program. The House bill includes approximately $1.35 billion for Transportation Enhancements of which 50-60% is traditionally spent on bicycle and pedestrian projects. The Senate bill does not explicitly include Transportation Enhancements, so it's unclear whether this funding will be in the final bill.
We need to make sure Transportation Enhancement funding is in the final bill.
This week there will be a conference committee where several members of the House and several members of the Senate will work together to reconcile the two bills. Conferees need to hear that Transportation Enhancements are important to stimulating the economy, creating green jobs, and moving us towards a sustainable future.
CALL TODAY! http://capwiz.com/lab/callalert/index.tt?alertid=12647931
Please call your senators and representative and ask them to tell the Conferees to support Transportation Enhancements in the Economic Recovery bill. Tell them:
-These smaller projects can move quickly to hire local businesses and help local economies.
-Providing safe and convenient bicycle and pedestrian access gives families healthier and cheaper transportation options
-Improving sidewalks and bike lanes can make a downtown a destination further helping the local economy.
-Better biking and walking options also help ensure greater energy independence, less pollution, and a healthier United States!
Please share this email alert with all bicyclists and pedestrians you can, and encourage them to join you in supporting biking and walking today! Thank you – together we will make a big difference!


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Smoochy Poochy - 1" x 6' Hands Free Reflective Leash
Smoochy Poochy - 1" x 6' Hands Free Reflective Leash
Sale Sold out
Regular price $49.50
Regular priceUnit price per
Sale price
Perfect for on the Move!
The Smoochy Poochy Optional Hand-free Leash fits into your daily lifestyle: training, walking, running, texting, shopping. The brass grommet system on the leash allows the leash to easily clip around your waist or across your shoulders offing the 'hands-free' option. Other features include: 3M reflective for safety, length adjustment, traffic handle, durable nylon webbing, convenient mesh 'baggy holder.' Perfect for mid-to-large size dogs 23lbs and up.
Plus Smoochy Poochy is 100% Canadian so you can feel great supporting and buying Canadian products!


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Avon's youth-oriented Mark brand has launched Very Sassy, a new fragrance for women. Very Sassy is a flanker to 2007's Sassy Mark.
A fragrance to be reckoned with, amped up for lasting impact. mark. Very Sassy lets fruity black currant, floral yellow jasmine earthy musk all have their say. Stir things up with a single spritz.
Mark Very Sassy is available in 50 ml Eau de Parfum, $30.
(via meetmark)


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Monday, March 2, 2020
Get Well Soon
I want to share with you a technique I used for coloring this image. I started with the pre-colored image that comes with the set instead of the black & white line drawing, even though I fully intended to color the image myself. Before printing it, I adjusted the image to the far side of the gray scale.
Why bother doing it that way when a B&W line drawing was available in the set? Because the line drawing didn't have the excellent shadows & shading and the colored version did! So, I printed the gray scale image, then colored it, and all the lovely shading and highlights came through, making my own coloring look almost 'professional.' :-D
Colored with ProMarkers
Image cut with Memory Box stitched die
Frame cut with QuicKutz die
Background CS old SU scrap
Ribbon from Really Reasonable Ribbon
Signature hand-sewn bow w pearl added
Sentiment hand cut
Arty Divas
Cardz TV
Crafty Catz
Crafty Friends
Creative Fingers
Outlawz Festive Fri
Paper Shelter
Simon Says Stamp
Happy Crafting. NanaConnie
21 comments:
- Jo said...
Adorable.....enough to make anyone feel better! x
- March 2, 2020 at 12:21 AM
- meg said...
Sweet beautifully coloured image and great get well card
- March 2, 2020 at 12:45 AM
- Sheryl said...
Oh wow, I must try that technique, thanks for the heads up.
He looks so cosy tucked up in his sick bed poor thing. Love the DP.
Crafty hugs xx
- March 2, 2020 at 4:03 AM
- Bunny said...
It is adorable. I love this cute image. [Bunny]
- March 2, 2020 at 4:33 AM
- Donna Ellis said...
Thanks for the tip, Connie, on the shadows and details by using the gray scale. Genius! Jan does such a marvelous job with her colored digitals that this makes complete sense! Why hadn't I ever done it? LOL Darling card creation, and sure to give anyone the warm fuzzies as they recover. Beautifully done in soft colors. hugs, de
- March 2, 2020 at 5:26 AM
- Linda Simpson said...
Gorgeous get well soon card! Thanks for the tip too.
Linda xxx
- March 2, 2020 at 8:45 AM
- Faith A at Daffodil Cards said...
Love your adorable card as for the tip, OH! I hope I remember it, it's a Super one. Thank you Connie.
Faith x
- March 2, 2020 at 11:55 AM
- jimlynn said...
Great idea about printing out the image in gray scale. Love what you did with this one and your pretty card.
- March 2, 2020 at 12:00 PM
- *Vicki* said...
I used to collect teddy bears when I was a little girl so this little guy is so sweet!! I love the way you've colored the image by using the grey scale in printing! You're so right about how it brought out the shading and hilights! Beautifully done! HUGS
- March 2, 2020 at 12:01 PM
- Cards By MI said...
Thank you for playing along with your wonderful creation over at the Paper Shelter this week. A new fun challenge will soon be up to play along with.
Love n hugs
- March 2, 2020 at 1:11 PM
- Karen Page said...
Brilliant idea Connie, and one I will have to remember!!! I love the layered die cuts behind the image and that ribbon is spectacular! I would love to see your collection of ribbons and fibers because you keep pulling out the most awesome stuff!
- March 2, 2020 at 4:34 PM
- Anne Temple said...
Beautifully done Connie! Great tip about changing the color to greyscale before printing.
- March 2, 2020 at 6:29 PM
- Shelly Schmidt said...
That is a technique I am going to try- a brilliant idea! Your card is wonderful, love your layout and of course, always look for that signature bow!
- March 2, 2020 at 6:30 PM
- Anet's Crafting said...
That bear is just adorable Connie, love the pretty ribbon. Thank you for playing along with our Challenge at The Paper Shelter. We would love to see you again ... Anet DT
- March 2, 2020 at 7:12 PM
- As.I.Do.Rodos. said...
This is so cute Thank you for joining us at Crafty Catz Challenge Blog good luck
Ginny DT for Crafty Catz Challenge Blog
My Blog As I do Rodos
- March 3, 2020 at 5:08 AM
- Anne Buckingham said...
So clever to use the grey scale. I have to try that out. Cute card with the bear.
- March 3, 2020 at 12:40 PM
- Audrey Ernst (hippieaud) said...
Super cute creation, great hand coloring of the image. Thanks so much for playing at THE PAPER SHELTER Challenge hand colored theme this week. Hugs:) Audrey DT
- March 3, 2020 at 9:08 PM
- Karen Dunbrook said...
such a precious card...well done.
:) Karen
- March 4, 2020 at 4:47 AM
- Lisa Lynn said...
This one would sure cheer someone with this adorable bear.
- March 5, 2020 at 8:33 PM
- Arty Divas said...
Hi NanaConnie, your card is so wonderful!
Thank you so much for entering our ATG challenge at Arty Divas this week. Looking forward to seeing you again next challenge.
Hugs, Zowie xx
Arty Divas DT
Crafts from the Fairy Den {My Blog}
- March 9, 2020 at 9:31 AM
- Diane Louise J said...
Hello… Thanks for sharing your card with us. It's so lovely and fits perfectly with our ''animal/birds' theme … It will certainly brighten someone's day and make them feel better! Good luck in the draw and please join us next time at Crafty Friends.
Diane Louise
[Team Leader for Crafty Friends Challenge Blog]
- March 10, 2020 at 7:09 AM


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In keeping with WOU's focus on staff engagement this year, the annual Hari Raya Aidilfitri lunch held at the main campus was indeed an engaging affair as staff took time to mingle leisurely over good food.
They were encouraged to embrace a spirit of forgiveness through a poem read out by Acting Vice Chancellor Prof Zoraini Wati Abas
The event held today was organised by the Muslim community of WOU, with the Information Technology Services (ITS) department and the School of Science and Technology taking the lead, and supported by other colleagues and the full-time studies Student Council.
Many staff and students showed up in their colourful baju kurung attire, while the venue itself was decked with ketupat decorations, greeting cards and glitter.
Everyone was presented a quaint door gift packet holding dodols of different flavours, and each table had plate servings of ketupat, lemang (glutinous rice) and serunding, along with generous helpings of satay with gravy, onions and cucumber.
Among the entertainment was the popular "Selamat Hari Raya" song by the late legendary songstress Saloma rendered by the Student Council president, Muhammad Farid Arsyad Foad, as he strummed the guitar. He was accompanied by fellow student Ooi Jie Wen on keyboard.
In her welcoming remarks, Prof Zoraini noted that Hari Raya Aidilfitri, like all other festivities, is an occasion for family reunions and open houses. She also shared a simple Malay poem that spoke about forgiving others and seeking forgiveness for any wrongs and slip-ups so as to foster closer relationships.
Tangan dihulur maaf dipinta,
Erat hubungan sesama kita,
Semoga gembira di hari yang mulia ini,
Salah dan silap harap dimaafkan,
Selamat Hari Raya Aidilfitri,
Maaf Zahir dan Batin.
The gathering was graced by Chief Operating Officer Yeong Sik Kheong, consultant Wong Hun Heng, School of Science and Technology Dean Dr Wendy Bong Chin Wei, School of Humanities and Social Sciences Dean Assoc Prof Dr S Nagarajan, along with Heads of Department and staff from the main campus.
They feasted on rice served with fried chicken, mutton kurma, vegetable dalca and cucumber-pineapple salad, complemented with sliced watermelon and honeydew fruits, teh tarik and a sweetened drink.


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David Beier, owner of Walloon Lake Inn, doesn't advertise that Hemingway slept here. He doesn't have written proof. But he can make a pretty good case for it.
The Walloon Lake Inn—built in 1893 and called Fern Cottage in its early years—was the spot where summer resorters debarked the train and met the small steamboats that chugged them to their cottages. The late train into Walloon Lake carried folks who'd begun their journey in Oak Park, Illinois—as the Hemingways did. Rather than open their cottages in the dark, they sometimes took rooms at Fern Cottage. It's not hard to suppose that Hemingway's parents, with their young children in tow, did the same.
At the Walloon Lake Inn, then, you can sleep where Hemingway might have. With its quaint white clapboard siding, the inn looks much as it did in Hemingway's time. The five upstairs bedrooms with their lake breezes have a simple, European feel. The food is like that, too. Beier, an acclaimed chef, fuses sophisticated flavors with rustic regional ingredients—very Hemingway-esque.
Hemingway's sister, Sunny (Madelaine), was a regular in the dining room into the 1990's. She helped christen the replica steamer that Beier uses to tour his guests around the lake on Sunday mornings from July until the weather changes at the end of September. Ask him, and he'll putt past Windermere, the old Hemingway family cottage. Today it's privately owned, but you don't have to go inside Windermere to imagine the six Hemingway children splashing in the lake.
Horton Bay, on Lake Charlevoix, where Hemingway spent so much of his teen and young adult years, lies about 5 miles from Windemere, as the crow flies. Pack your Nick Adams Stories—Horton Bay is where many of them are set. Visit by car or bicycle, or row—as Hemingway did—to the end of Sumner Road, then hoof it to the village of Horton Bay. Longfield Farm, the family's other Walloon Lake property, is adjacent to the Sumner Road public access—it's private, so stroll by. Head on into Horton Bay's Red Fox Inn, where Jim Hartwell, whose grandfather Vollie Fox fished and hunted with Hemingway, sells Hemingway books and memorabilia (Be forewarned: Store hours are unpredictable—catch as catch can.)
The Red Fox Inn appears in the Nick Adams story "Up in Michigan" (as the Fox house), as does the Horton Bay General Store next door, which is also thought to be the model for Mr. Packard's store in "The Last Good Country." In the book Ernie Hemingway's Sister "Sunny" Remembers (1999 Ernest H. Mainland), Sunny writes of stopping there with him to "buy some sweet goodies to take home to Windermere." The store still carries plenty of those, and nowadays steams up a fine latte—a good excuse to take a seat on the porch bench where Hemingway used to sit.
Hemingway's story in this clapboard hamlet has many chapters. There were flirtations and romances with local and summer girls. He married Hadley Richardson here—the church is gone, but the Dilworth's resort where he and Hadley celebrated their wedding breakfast is still here. Horton Creek, the site of fishing trips fact and fiction, runs sweet and clear just west of town, and Ten Mile Point, where the fictional Nick disses Marjorie, is a paddle away from the Lake Street public access. The potion of fiction come-to-life, spectacular scenery and aura of a young man's coming of age is so powerful around here, don't be surprised if you, too, are inspired to take up your pen—if only to send a postcard.
Hemingway did sleep at Petoskey's Perry Hotel, in 1916 after he and a friend camped, fished and hiked their way up the coast from Onekama. He never stayed there again (so far as anyone knows), but he came often enough in the winter of 1919 and 1920 to drink, dine and relax on the veranda with its view of the Pennsylvania Depot. Not yet 21, Hemingway had already worked as a reporter on the Kansas City Star, served in Italy during World War I, and been engaged. After a summer in Horton Bay, Hemingway moved into Petoskey and took a room at Potter's Rooming House on State Street. The stately Perry Hotel, wedged between Little Traverse Bay and the downtown, was a good place to find society.
It's no coincidence that the Michigan Hemingway Society hosts its annual Hemingway Weekend at the Perry (October 24 through 26, 2008). The hotel's gracious décor and amenities are in keeping with the hotel's Victorian roots—and though it's roughly twice the size it was in Hemingway's day, he'd still recognize the grand old hotel. The veranda with its wicker furniture is as fine a place as ever to pass the time, and the dining room, though now with expansive views to the bay, serves up an oak planked whitefish that Hemingway would have appreciated. You have to think he would have liked the leek and morel omelet on the breakfast menu, as well, though he was long gone to another adventure in Toronto by the time those treats popped up in the Northern Michigan forest.
The third-floor library with its comfy furniture and gas fireplace is the spot to curl up with Hemingway. Among the must-reads for your Petoskey stay are the short stories "The Indians Moved Away," and "The Killers" and also the novella The Torrents of Spring—Hemingway's parody on Sherwood Anderson and the Chicago school of literature is set in Petoskey. If you don't have the books already, McLean & Eakin Booksellers in the downtown gaslight district does. Or stop by the Petoskey Public Library, where Hemingway, clad in Italian cape and boots, regaled the local Ladies Aid Society with his war experiences.
When your bookwork is finished, hit the Petoskey streets—they're awash in Hemingway's ghost. Make your first stop The Little Traverse Historical Museum. The wonderful old building was once the Pere Marquette railroad depot of "The Indians Moved Away" fame. Take the time at the museum to watch a documentary narrated by Hemingway's nephew Ernest Hemingway Mainland and to ask to watch the video of Irene Gordon reading a letter to her from Hemingway. Gordon, who lived past 100, was a friend of Hemingway's when he was here. He was drawn to her beauty and her ability on the tennis courts. After Hemingway left Petoskey he wrote to Gordon a number of times over the years, and made it a point to stop by on her 50th birthday and give her a kiss. The year was 1949, and it was the only time he'd been back to Northern Michigan since he left after his wedding and honeymoon in September of 1921. After Gordon's birthday he never returned here.
With your Hemingway stories in tow, cruise by the Harold Grand Building at 210 Howard Street. Back when it was the New Braun Hotel and Restaurant, Hemmingway took his meals here—and he made it the template for Browns' Beanery Best By Test in The Torrents of Spring. Hemingway also ate at Jesperson's Restaurant on Howard Street. Take a counter seat and imagine Nick Adams, towel stuck in his mouth, tied to the cook behind the restaurant doors—because legend has it that this is the set for "The Killers."
Lore also says Hemingway laid claim to the second bar stool from the left down at the billiards hall now called the City Park Grill, to sip rum and Coke with lime and watch the bare-knuckle boxing matches in Pennsylvania. It's probably true. The young man got around here.If you go: Walloon Lake Inn, Walloon Lake Village, 800-956-4665. Stafford's Perry Hotel, Petoskey, 800-737-1899.
Love Chain
The starlets of Hemingway's Michigan years.
Prudence Bolton, a Native American girl who grew up near Windermere, appears in "Ten Indians" and "Fathers and Sons." Speculation has it that Bolton may have been Hemingway's first and greatest love—an idea his sister, Sunny, rebuffs in her memoir about him.
Hemingway fell in love with nurse Alice Kurowsky while convalescing in Italy during World War I. He was in Oak Park when he received her letter breaking their engagement, then retreated to Windermere for solace. Kurowksy was the model for Catherine Barkley in A Farewell to Arms.
Marjorie Bump worked as a waitress in Horton Bay. The shapely redhead turns up in "The End of Something" and "The Three-Day Blow."Gossip about Hemingway's affair with Kate Smith in Horton Bay prompted his mother to rebuke him in a letter. If Nick's clandestine affair with Kate in "The Summer People," is a hint, his mother was right to worry.
Once, Hemingway came to local beauty Irene Gordon's house in Petoskey for dinner bearing his "catch,"—wrapped in paper from the local fish market. Everyone—including Hemingway—had a good laugh.
Hemingway married his first wife Hadley Richardson—a friend of Kate Smith's from St. Louis—in Horton Bay. The couple honeymooned at the Hemingway cottage, Windermere.


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Fish Oil 1000
A natural source of marine omega-3 fatty acids.
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Blackmores Fish Oil 1000 is a natural source of marine omega-3 fatty acids. This is a dietary supplement to take if you can't manage to eat the recommended 2-3 serves of fish a week. To ensure you can take Blackmores Fish Oil 1000 with confidence, Blackmores only uses quality fish oil without added artificial surfactants to disguise fishy odours. Tested for pesticide residue.
Fish oil is a source of the omega-3 essential fatty acids. Essential fatty acids are incorporated into every cell membrane in the body, in the form of compounds called phospholipids. Cell membranes play the vital role of regulating what goes into, and what comes out of each cell. The integrity and fluidity of the cell membrane is determined by the type of phospholipid that is available for the body to use. Cell membranes made up mainly of phospholipids derived from the essential polyunsaturated fatty acids are more fluid and function better than cell membranes made up of saturated fat or trans- fatty acids. A cell membrane working at optimal levels retains vital nutrients and electrolytes, has the ability to communicate with other cells and is responsive to hormones.
Omega-3 fatty acids are also important components of substances known as prostaglandins and leukotrienes.
Prostaglandins and leukotrienes are important in body function. Fish oils have a positive action because prostaglandins and leukotrienes from omega-3 fatty acids have less negative activity than prostaglandins and leukotrienes derived from other types of fatty acids.
Adults – Take 1 capsule 3 times daily with meals, or as professionally prescribed.
Children under 12 years – Not recommended.
No added yeast, gluten, wheat, milk derivatives, preservatives, artificial colours, flavours or sweeteners.


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4 Pack Dust Cup Filters Compatible with Shark Pet-Perfect II Cordless Hand Vacuum SV780 and SV769, OEM Part # XF769
- Contains 4 Dust Cup Filters
- Compatible with Shark HandVac SV7728, SV769, SV728NC, SV728N-1, SV736, SV738, SV738C, SV738CV, SV749, SV748C, SV726N, SV728N, SV719, SV736R, SV736CR, SV70CR, SV70, SV70Z, SV780, SV90, SV90Z
- Compare to Part # XF769, XSB769N, XSB769, XSB736N
This is not a Shark OEM product. The Shark brand names and logos are the registered trademarks of their respective owners. Any use of the Shark brand name or model designations for this product are made solely for purposes of demonstrating compatibility.


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A Chicago-based subsidiary of Tyson Foods, Bruss manufactures portion-controlled steaks and chops to the foodservice industry. It supplies national restaurant chains located throughout the US, as well as regional chains and major cruise lines.
Bruss needs to expand because its Chicago plant is reaching capacity. Based on customer demand and operational efficiency, the company has identified the Southeastern US as the preferred region for expansion. The Bruss Company became part of Tyson in 2001. Today, it operates a 52,000 sq. ft. meat processing facility in Chicago and employs 300 people.
"The company is considering the purchase of a refrigerated warehouse at 5441 W. 5th Street in Jacksonville," a Tyson Foods spokesman told MEATPOULTRY.com. "If the company chooses this site, it will result in the renovation of a vacant industrial building placing it back into use and provide jobs. The company would invest more than $7 million to buy and renovate the building, and install equipment, machinery, furniture and fixtures."
At least 200 jobs would be added to the local economy if the project is successfully launched. "The average annual wage would be approximately $31,000; the company also offers an excellent benefits package valued at about $8,000 per person," he added. "The projected annual payroll, once the project is at full capacity, would be $7.8 million."
The new Bruss operation will also hire third-party service providers (security, contract cleaning) who would provide approximately 20 additional jobs, he concluded.


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News Release
Wednesday, April 28, 2010
NIH Study Offers Hope to Patients with Nonalcoholic Steatohepatitis
A daily dose of a specific form of vitamin E significantly improved the liver disease, nonalcoholic steatohepatitis (NASH), according to a study funded by the National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK) of the National Institutes of Health. Results were published April 28 online in the New England Journal of Medicine. In addition, Actos (pioglitazone), a drug used to treat diabetes, also improved many features of NASH but was associated with weight gain.
NASH is a chronic liver disease that is linked to weight gain and obesity and can lead to cirrhosis, or scarring, liver cancer and death. It resembles alcoholic liver disease but occurs in patients who drink little or no alcohol. NASH can occur in children, the elderly, normal-weight, and non-diabetic persons. The disease is believed to be caused by abnormal metabolism of fats, which increases levels of oxidants, compounds that transfer oxygen in the liver. This disease affects about 3 to 4 percent of the U.S. population, leads to death from cirrhosis, and increases the risk of death from cardiovascular disease. There is currently no approved treatment for NASH.
In the Pioglitazone or Vitamin E for NASH Study (PIVENS), investigators from the NASH Clinical Research Network (CRN) compared the two different treatments to placebo. Vitamin E functions as an anti-oxidant while Actos improves the sensitivity of cells to insulin, a hormone that controls sugar and fat metabolism. PIVENS is the largest placebo-controlled, randomized clinical trial of therapies ever conducted for NASH.
"This is an important landmark in the search for effective treatments for NASH," said Pat Robuck, Ph. D., M.P.H., the NASH CRN project scientist and director of the clinical trials program in NIDDK's Division of Digestive Diseases and Nutrition.
The PIVENS trial randomly assigned 247 adults with NASH and without diabetes into three groups. Men and women aged 18 years and older were randomized to either receive 30 milligrams of Actos daily, 800 international units of a form of vitamin E (RRR-alpha-tocopherol) daily, or placebo for 96 weeks. Researchers reported that vitamin E and Actos helped certain patients with NASH.
After 96 weeks of treatment, vitamin E improved all features of NASH except the degree of cirrhosis in the liver. Forty-three percent of participants treated with vitamin E met the primary endpoint of the trial compared to only 19 percent of those who received a placebo. The primary endpoint was a composite of the scores for several features of NASH — retention of lipids, liver inflammation, and liver degeneration. The scores were used to assess disease activity.
While Actos improved liver inflammation and retention of lipids in 34 percent of individuals who received it, suggesting a benefit, the improvement fell short of being statistically significant. Actos also led to an undesirable weight gain of 10 pounds over the 96-week trial. There was an early improvement in liver enzyme tests among participants receiving either Actos or vitamin E. However, upon stopping the medications, the liver enzymes worsened again suggesting the need for long-term treatment.
While the PIVENS trial provides evidence that vitamin E benefits NASH patients, it is not a panacea, said Arun Sanyal, M.D., NASH CRN co-chair and PIVENS principal investigator and chair of gastroenterology at Virginia Commonwealth University in Richmond.
"This study was conducted in people who had NASH but did not have diabetes. The benefits of either treatment in NASH patients who have diabetes remain unknown," said Sanyal. "Also, the study lasted only two years and the potential long-term benefits and risks of taking vitamin E or Actos in these doses are still uncertain."
Researchers acknowledge that many participants receiving these treatments did not improve. To better understand response to treatment, the NASH CRN is engaged in studies to define simple, non-invasive methods to determine if an individual patient is responding to drug therapy. A liver biopsy is currently the best way to assess response to treatment for NASH.
"The PIVENS trial provides key evidence to support the use of vitamin E for selected patients with NASH. However, before prescribing either drug, physicians must not only weigh the potential risks and benefits of treatment, particularly with long-term therapy, but also the need for future liver biopsies to assess the response to treatment," said Stephen P. James, M.D., director of NIDDK's Division of Digestive Diseases and Nutrition. "Use of vitamin E at these doses for NASH should be monitored by a physician."
PIVENS was conducted by researchers at the following centers:
- Case Western Reserve University and the Cleveland Clinic, Cleveland
- Duke University, Raleigh-Durham, N. C.
- Indiana University, Indianapolis
- Johns Hopkins University, Baltimore
- Saint Louis University and Washington University, St. Louis
- University of California San Diego
- University of California San Francisco
- Virginia Commonwealth University, Richmond
- Virginia Mason Medical Center and the University of Washington, Seattle
For more information about PIVENS, search for NCT0063622 at www.clinicaltrials.gov Information about the NASH CRN is at http://www.jhucct.com/nash/open/centers/centers.htm
NIDDK, part of NIH, conducts and supports basic and clinical research and research training on some of the most common, severe and disabling conditions affecting Americans. The Institute's research interests include: diabetes and other endocrine and metabolic diseases; digestive diseases, nutrition, and obesity; and kidney, urologic and hematologic diseases. For more information, visit www.niddk.nih.gov.
About the National Institutes of Health (NIH): NIH, the nation's medical research agency, includes 27 Institutes and Centers and is a component of the U.S. Department of Health and Human Services. NIH is the primary federal agency conducting and supporting basic, clinical, and translational medical research, and is investigating the causes, treatments, and cures for both common and rare diseases. For more information about NIH and its programs, visit www.nih.gov.
NIH…Turning Discovery Into Health®


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Inspired by reading Love in Every Stitch, I decided to go through my archives and review all of the articles I've written over the years about how crochet has helped people. Of course, I love the personal stories the most but I like anytime I can share about the mental and physical health benefits of crochet. Then I got to wondering – why haven't I collected all of these articles in one place? Well, I ask that no longer – here is the archive of crochet health stories to date. Looking for crochet patterns to help your healing? Check our selection here.
General Articles on the Health Benefits of Crochet
- 10 reasons crochet can help you heal
- Crochet can boost immune system
- Crochet boosts self-esteem
- Crochet for caregivers – how it helps
- 5 reasons crochet is a great craft for hospitals
- 5 unique benefits of yarn crafts
- Benefits of Crochet and Knitting for Kids
Crocheting through Depression
Crochet specifically helped me through depression (and anxiety associated with depression). Here are articles about that topic:
- 5 benefits of crochet for depression
- 4 ways crochet helped me through depression
- How crochet helps with ten symptoms of depression
- Causes of depression in people who were helped by crochet
- Crochet for daily balance as a depression survivor
- Crochet gets you out of your head
- Healing benefits of visualizing and completing a project
- Reducing depression with hands-on activities
Grief and depression have overlapping qualities although they are different things. Crochet helps with grief as well.
Other Specific Health Issues Helped By Crochet
Crochet helps with much more than depression. Links to people's personal stories can be found later in this post but first here are some basic articles about how crochet helps with specific illnesses or issues.
- 5 unusual illnesses helped by crochet
- 10+ issues helped with crochet
- Addiction including for teen boys in recovery
- Alzheimer's Prevention and Treatment
- Anxiety and justification for "sitting still"
- Asperger's / Autism
- Bipolar
- Caregiver stress as well as self-care for caregivers
- Chronic Fatigue
- Pregnancy complications including anxiety, pain management and postpartum depression
- Severe allergies
- A History of Crochet as Occupational Therapy
Crochet in Therapy
- Crochet in therapy vs crochet as therapy
- Benefits of crochet in individual and group therapy
- Interim House knitting and crochet benefits
Mindfulness / Meditation Crochet
- How crochet can help with mindfulness practice
- 10 tips for more mindful crochet
- Simple mindfulness crochet exercise
- How to crochet for mindfulness and be mindful in crochet
- Tip: use crochet mindfulness cues
Personal Stories of How Crochet Heals
Here are the links to all of the stories people have generously and bravely shared about how crochet helps them heal.
- Crochet Heals: Lori's Story (chronic pain)
- Crochet Heals: Katrina's Story (Graves disease)
- Crochet Heals: Cynthia's Story (crochet for grief)
- Lisa crochets while on bedrest for premie pregnancy
- Crochet Heals Terri (interview)
- Kimberly crochets through stress of parenting special needs kids
- Aurore crochets through schizophrenic hallucinations plus 2015 update from Aurore
- Laura crochets on the psychiatric ward
- Maarit crochets to reduce pain of neurological failure
- Linda crochets through cancer treatment
- Mad Whimsy crochets to help with OCD
- Military man Rod Hardin crochets through PTSD
- Patti crochets with MS
- Nessa crochets through MS-related depression
- Terry crochets through depression associated with unemployment and illness
- Debbie crochets through Chronic Fatigue
- Jodie crochets through Chronic Fatigue
- Ineke crochets through CFS and fibromyalgia
- Vicki crochets through injury-related chronic pain
- Akua crochets through paralysis
- Catherine crochets through gastroparesis
- Tammy crochets through Chronic Lyme Disease
- Cari crochets through Lyme
- Alexandra crochets through chronic illness
- Heidi crochets through the loss of a daughter
- Cynthia crochets through grief and illness
- Karen crochets through grief and loss
- Laurie crochets after traumatic brain injury
- Donna crochets through cancer diagnosis
- Margaret crochets for self-esteem after mastectomy
- Linda D. crochets as Aspergers therapy
- Caroline considers crochet her go-to therapy
- Paula considers crafting self-care
- Crochet Saved My Life: E's Story
- 15 blind and visually impaired crocheters
- 15 stories celebrating crochet health
And More!
- Choosing the right yarn color to elevate your mood; color and mood in crochet work
- How To Use Unpredictable Colors in Crochet to Add Adventure To Your Life; a Hook to Heal exercise
- Knitting as Therapy in Local Play About Homeless Veterans
- Simple vs. complex crochet patterns for healing
- 3 excerpts from crochet health interviews
- 6 crochet health stories from history
- 20+ books to read if you believe in the healing power of crafting
- Hand exercises for crocheters
- Recent news and research in crochet health (May 2014)
- Crochet in the news (January 2015)


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An exciting young singer: Kindra Scharich
I go to a lot of performances by young singers. I regularly attend concerts of the Merola Opera program, the San Francisco Conservatory of Music, and regional opera companies. One of the pleasures of going to these performances is hearing interesting and exciting new voices.
But it's far more rare to see a young singer who is a mature artist. Kindra Scharich first came to my attention in the role of Florinda in Ars Minerva's production of Carlo Pallavicino's The Amazons in the Fortunate Isles (Le Amazzoni nelle Isole Fortunate). I wrote in my post about the opera that "Scharich's rich mezzo-soprano in particular is gorgeous." So when I saw that she would be singing a program of lieder as part of the amazing free chamber music festival SF Music Day, I made a point of attending her program.
What I experienced was ravishing. Scharich has a wonderful voice, with a rich lower register and a gleaming top. But she doesn't just have a beautiful sound; she's a marvelously eloquent performer. Her expressiveness transforms each song into a subtle mini-drama. And although she can rise to operatic volume levels when a song calls for it, her ability to create a hushed mood and a sense of longing through pianissimo singing is especially memorable.
Here is her performance of Franz Schubert's "Ständchen" (Serenade; poetry by Ludwig Reilstab, piano accompaniment by George Fee):
The words of the second part are: "Hörst die Nachtigallen schlagen? / Ach! sie flehen dich, / Mit der Töne süßen Klagen / Flehen sie für mich. / Sie verstehn des Busens Sehnen, / Kennen Liebesschmerz, Rühren mit den Silbertönen / Jedes weiche Herz. / Laß auch dir die Brust bewegen, / Liebchen, höre mich! / Bebend harr' ich dir entgegen! / Komm, beglücke mich!" (Do you hear the calling of the nightingales? / Ah, they summon you, / With their sweet sounds / they summon you to me. / They understand the longing of the heart, / They know the pain of love, / They calm each tender heart / with their silver tones. / Let them also stir the feelings within your breast, / My beloved, hear me! / Trembling I wait for you, / Come, fill me with joy!)
Kindra Scharich will appear in the gala season-opening concert of the 2016-17 Liederabend Series of Lieder Alive! Her program will be "Lieder from the Great German Songbook, from Schubert to Strauss"; the concert will take place Sunday, October 2, at 5 pm at the Noe Valley Ministry, 1021 Sanchez Street (near 23rd) in San Francisco.
Update: For a review of Scharich's Liederabend concert, please see "The madness of love"


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Mike Novogratz: "The crowd is coming", for real this time
Galaxy Digital CEO Mike Novogratz attended a Benzinga Boot Camp in collaboration with BlockFi.
He said institutional investors are stepping off the beaten track and turning to bitcoin.
He predicts that bitcoin will trade at $ 50,000 in the next two to three years.
The Trust Project is an international consortium of news organizations based on transparency standards
Galaxy Digital chief Mike Novogratz has been a dominant voice in the cryptocurrency market. As a former hedge fund trader, he has a rare pulse on the institutional investment community and what they think about bitcoin.
During a Benzinga Boot Camp organized in collaboration with Bitcoin Trader app, Mike Novogratz shared his thoughts with host and podcaster Peter McCormack on how far the cryptocurrency industry has come and how it is likely to evolve. Institutional investors, of course, will play a big role in how the market moves, and according to Novogratz, all signs are there to point the way forward.
If you think you've ever heard Novogratz say "The crowd is coming" in reference to institutional adoption of bitcoin, you are right. The only problem was that the "mob" in question continued to sit on the sidelines for fear of dipping a toe in the crypto waters. This time, however, the Galaxy Digital insists the herd is really coming, and it has given plenty of reasons for it to be true this time around. He said :
I kept saying that the crowd was coming. And I was wrong. It was so slow to come. Now the crowd is really coming. And I see it, I get phone calls every day. So that left me very optimistic about the global space.
A bridge to institutions
Galaxy Digital recently ran an ad in the Financial Times to attract large investors. And Novogratz said the company is "recruiting" to better connect and be a bridge with the institutional world.
MicroStrategy: his favorite story of the year
If you are wondering what brought Wall Street veteran Novogratz to crypto, that was the history of bitcoin. Keen on good history, that's why he first invested in bitcoin, as a speculative bet. His belief has changed over time, and he now owns more bitcoin than gold .
His favorite story of 2020 has been one that most cryptocurrencies applaud as well, and it was MicroStrategy's Michael Saylor decision to get into bitcoin . He congratulates Saylor on being one of the first to come, but adds that he is waiting for the second company to step in, because then that would be "the dump," he said.
Large investors and DeFi
Novogratz spends time in the DeFi space , where he says there is "a lot of interesting stuff going on" but there isn't much institutional money yet. He likens DeFi to a corporate sandbox, similar to bitcoin years ago. DeFi is ideal for smart people with capital to deploy, but institutional investors have a fiduciary responsibility to their senior clients. Decentralized finance is therefore not quite ready for prime time.
He says that as institutions get into crypto, "they're a lot more sticky." As a result, there is a "changing of the guard" but not in a context where one group replaces another. Instead, as the market grows, the institutions' share in the crypto space, which was 2% two years ago, will slowly start to grow. Novogratz said that when it hits 30-50%, "it's going to be a whole different market."
The head of Galaxy Digital predicts that in the next two to three years, the price of bitcoin will trade at $ 50,000 or more.


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Begin The Conversation Today
A conversation about sound financial planning is a good one to have. And it shouldn't be put off until tomorrow. It can begin today.
Please fill out the form with your name, email address, and phone number. Also, please include a message regarding your financial needs and goals. We'll be in contact with you shortly.


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From Croatian yachting's humble renaissance to it's consistent growth as more and more people fell in love with her sublime islands and fortified towns... we were part of the story. Yet we have not wavered in almost 20 years from the principle that guides us: we are true Dalmatia experts. We decided not to follow others as they aspire to take on the globe, and to focus on providing scintillating Croatian yachting experiences with unmatched attention to detail. And that's exactly what we did.
It's fair to say Dalmatia is in the blood. Our team of Croatian nationals was built by Dora Vulic on the strength of her prior six years' experience in the luxury yacht charter industry, herself a qualified skipper and the only Croatian female to have completed the arduous Round the World Clipper Yacht Race. Dora and her team grew up in and around the sailing community in Split: that means impeccable contacts and local fleet and route knowledge that's second to none.
If you are looking for a superb yachting experience with local experts for whom no detail is too small, don't let others promise you the world.
Sail with us. Sail Dalmatia.
We can't think of a better place to enjoy a holiday afloat with your friends and family. Read our reasons why:
Why charter? A quick glance at the map provides the answer: over a thousand enchanting islands and countless more coves and inlets only to be explored via the water. Croatia's long thin coastal geography allows simple access from the sea to the spectacular walled towns and harbours dotted along the coastline. Drop anchor and swim ashore; wander the narrow streets of Stari Grad; watch the sun setting on Vidova Gora; dine on freshly-caught seafood at the finest family-run tavernas; watch Verdi's Nabucco in the heart of Dalmatian Palace in Split, explore Dubrovnik's old town with a local historian; admire the Venetian architecture and Baroque grandeur; enjoy the night life of cosmopolitan Hvar, or go soul -searching on the remote island of Vis.
We are of course biased, but we are not alone. Croatia is an unbeatable destination for turquoise waters, hidden coves and beautiful islands, both wild and remote and buzzing and cosmopolitan. Croatian tourism is certainly in the midst of a spectacular boom; visitor numbers are nearly 200% what they were just ten years ago and increasing season after season. Enter a quick online search for top sailing destinations and you'll quickly understand why it's the fastest growing sailing market in Europe and consistently features in leading travel guides' and newspapers' top three. Boasting the longest sunlight hours anywhere in Europe and offering everything from delightful medieval walled cities to Riviera style resorts buzzing with restaurants and nightlife, Croatia certainly has something for everyone.
In short, we will draw on years of experience to tailor your trip to perfection. Whether it is a large group family sailing holiday, a luxury gulet charter, a romantic yacht escape, a special celebration, a family reunion or a multigenerational family yachting experience, we've got it all covered. It's the reason we've grown year on year and are a market leader for gulet and yacht charters in Croatia. We share a genuine passion for sailing, the beautiful elegance of the boats we recommend, and this beautiful corner of the Adriatic that is our home and than we know inside-out. Our clients come back season after season because of our exceptional customer service and our deep knowledge to match them with the perfect vessel, whether you prefer the traditional craftsmanship of a charming wooden 'gulet' or the more modern feel of a catamaran of motor yacht.
We also know it's essential to match you with a friendly knowledgeable captain and discreet fully trained crew. But moreover, being experts, we will intricately design the best route and excursions to provide you with the perfect balance between relaxation and activity: do as much or as little as you please. Trends in the tourism industry have shifted from 'holidaying' to meaningful experiences, or so called 'experiential travel'. Also responsible tourism and environmental awareness are on the rise and have become an important element when travelling. Here at Sail Dalmatia we aim at providing something truly unique.
We know your time on-board is so precious; that's why we take care of everything so you don't have to. The unique complimentary concierge service we offer to clients is what separates us form the competition. Allow us to pre-arrange all transfers, excursions, restaurant bookings, or anything else. All with the aid of our hefty book of contacts. We are happy to organise anything from childcare to scenic helicopter flights. Ask us about securing tickets for the best Croatian open-air music festivals, or if we are able to pre-stock your favourite food and wine on board. We have built our reputation on customer service and our client reviews on the testimonials page speak for themselves. We also provide complete peace of mind when you book with us. We transact in regulated MYBA e-contracts. This means your money is protected in our Barclays Client Account in London and the deposit is passed onto the boat owner when your charter starts. The other half is transferred to the boat owner on the last day of your charter. All of our yachts available for charter are fully insured and licensed by the Croatian Boat Registry. Furthermore, all our charter agreements are protected by Galleon Marine PI Insurance for up to €500,000 per agreement giving you an extra security and evidence that you are dealing with certified yachting professionals.
Guest Satisfaction Rate
Thank you for a fantastic holiday. Carpe Diem 7 and her crew are top class."
14 guests
EUR 16,000pw
Immensely popular gulet with seven spacious cabins.
12 guests
EUR 14,900pw
Outstanding gulet with loads of water toys.
6 guests
EUR 7,500pw
Fun and sporty Lagoon catamaran with three doubles.
8 guests
EUR 13,540pw
Elegant and superbly-built RENA class sailing yacht with Croatian flag.
8 guests
EUR 22,875pw
Plenty of power with our most popular motor yacht.
6 guests
EUR 14,750pw
A flawlessly presented sailing yacht perfect for couples or small groups.
10 guests
EUR 17,850pw
An immaculately polished 30m gulet perfect for large groups.
16 guests
EUR 22,875pw
Popular mini-cruiser perfect for large groups.
32 guests
EUR 32,800pw
Hugely spacious cruiser with tons of water toys.
22 guests
EUR 31,750pw
Fun motor-sailer with 11 luxury cabins and a sundeck.
16 guests
EUR 21,900pw
Superbly stylish mini-cruiser replete with 8 elegant staterooms.
36 guests
EUR 61,750pw
Massive floating palace with great heritage and superb crew.
"As you step onto the boat, the busy world that you're so used to starts to fade away and you gain a profound sense of oneness with nature, the sea and the wind. The horizon expands but your focus narrows on what really matters in life."
Dora Vulić, Founder.
14 guests
EUR 84,600 EUR 74,875pw
Brand new super-modern sundeck-sailer launched in 2022.
14 guests
EUR 80,750 EUR 77,500pw
Outstanding example of the new breed of luxury sailing yachts.
14 guests
EUR 73,550 EUR 71,765pw
Giant best-in-class 80ft luxury catamaran with huge wow factor.
14 guests
EUR 98,625 EUR 95,875pw
Beautiful Custom Line Navetta 33 with local flag and onboard jacuzzi.
36 guests
EUR 61,750pw
Massive floating palace with great heritage and superb crew.


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What is autism? Is it a disability? Or is there another side to the coin that we haven't considered? Time to refresh our perspective.
What is autism? Is it a disability? Or is there another side to the coin that we haven't considered? Time to refresh our perspective.
"He has Autism."
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The diagnosis sounded like a death knell. I could barely breathe!
I lashed out at the doctor. How could my beautiful son have autism? His limpid eyes, his soft skin… how could it be?
The tears didn't stop for a long time. The pain was unbearable. Like a pendulum, my emotions swung from disbelief to grief. I hugged Mohit, wanting to protect him with all my might.
I was determined to get rid of this thing called 'autism.' Armed with my husband's unflinching support, I marched ahead to throw this cloak of autism 'off' my son. Support from the wonderful members of the Sri Sathya Sai Center in Seoul kept me going.
I prayed fervently for a cure and left no stone unturned in research. Biomedical treatment, Cranio sacral therapy, ABA, Sensory integration, Vision therapy, Secretin, Chelation, Swimming with dolphins – we tried everything.
For 17 years, I continued my fight for a 'normal' son. I worked 5 hours a day teaching him language skills and doing table top activities. If I worked hard enough, he would be complete. But guess what? Each door I banged was a dead end.
In the distance, an unexpected door opened for us. A program in USA taught me that autism is a neurological disorder, not a disability. Affected children and individuals don't grasp the concept of 'us'. Hence, social interactions and communication are difficult for them. The brain is differently wired, and more magnificently. It's nobody's fault, certainly not the mother's.
I finally stopped swimming against the tide. The fight was replaced by acceptance and understanding – of the person behind the label. All those years I focused on the 'autism'. But who was the real Mohit?
Mohit emerged as a funny, loving boy who loves Yesudas and also the dhinchak Salman/Govinda numbers, who laughs while watching Mr Bean's antics, who loves unconditionally, and who is the wisest person I know. And he has emerged as an artist.
In his emergence, I discovered myself too. It wasn't a planned journey. But it made me who I am. Thanks to these experiences, I can support other families and train professionals.
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April is Autism Awareness month. And I want to address a myth – that autism is a disability. It's not!
What is our definition of a normal person? Someone who can perform mundane tasks smoothly, right? And what is a person who can perform complex tasks and look at different perspectives, called? Special. Unique.
Every individual with autism is unique. He might not speak a lot, but he could be a master chef, a marathoner, an incredible artist, or just a regular tenth grader working his head off for the exams. He could be a walking-talking encyclopedia, or someone who can solve complex maths problems in his brain. Or he could just be a regular next-door person. But I can assure you of one thing – these individuals are the smartest, most sensitive and caring people I have known.
Watch this insightful video for answers on your questions about autism.
This leads us to another point: Have we diluted the meaning of the word 'special'? Almost always, when associated with a person of different needs, the term evokes waves of sympathy. We forget that these people were (and still are) considered special because of their abilities. Basic motor and speech skills are not as developed. But heightened senses of hearing, analyzing, creativity, and intuition compensate for them. Don't take my word for it. Peter Thiel, founder of PayPal, said that Aspergers (a form of autism) can be an advantage in Silicon Valley. The condition is a plus for innovation and helps people avoid the imitation gene. Elon Musk declined foraying into stem-cell therapy because people may use it to 'cure autism', something which he is strictly against.
So, how can you support individuals with autism? Don't worry. You don't need to attend parent support meetings or volunteer at autism treatment centres to contribute (though we would love it if you did). Just implement these basic human behaviours:
Don't laugh at them
Individuals with autism indulge in certain behaviours to cope with anxiety. These include rocking, playing with their hands, shaking something and watching it move.
We all engage in 'stimmy' behavior like shaking our legs and cracking our fingers. The difference is that we are aware of this behaviour and can control it. These wonderful people cannot.
Accepting differences is difficult. But not accepting doesn't mean the same as laughing at them, does it?
Don't call them 'pagal'
I've heard parents say this! Can you believe it?
However, most parents see the immense potential in their child to do something remarkable. Please don't hurt these families' feelings by calling their children 'pagal' or gesticulating that they are 'mad'.
Don't say condescending things in their presence
Some people on the autism spectrum might not speak. But each and every one of them understands… everything.
Imagine how you feel when someone speaks disrespectfully about you in front of you. Now imagine you doing the same to these individuals who understand it. Think of how much you damage their self-esteem.
Don't stare
We feel terrible if somebody stares at us, isn't it? It is no different for them (they understand everything, remember?)
A hundred people crowd around a child or adult who is experiencing a meltdown. If you can't help, please move on. Please respect the child and the parent.
I feel the pain of mothers who struggle with their affected children in trains, in buses, on the streets. Their daily life is a battle. Yet, they continue to smile and go through life with brave hearts and unflagging spirits.
But I also feel that parents struggle because of society's perceptions more than their own child's challenges. Society finds it difficult to accept that individuals with autism are different, not disabled.
Do you want to make the world 1% better for these beautiful individuals and their families? Just remember the above points and you are good.
People on the autism spectrum transform the lives of those associated with them. I know, not just because of my son, but because every parent I have met, agrees. Our children have taught us what unconditional love means. This love keeps us going, long after we feel like we have no strength left. All I request from you, on Autism Awareness Day, is to respect their uniqueness. They will change your perspective on life too. Plus, they deserve a shot at living a dignified life like us. Don't you agree?
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Director Michael Bay is hard at work filming 'Transformers: The Last Knight' his fifth film in the franchise, and has kept a pretty tight lid on the whole affair, but he recently tweeted an image that teased the introduction of yet another Robot In Disguise.
Nothing can prepare you for Onslaught. #transformers Download hi-res photo: https://t.co/5ALFebRVeP pic.twitter.com/yMTck1i14c
— Michael Bay (@michaelbay) July 27, 2016
Onslaught is an old school Transformer, from Generation One. He is the leader of the Combaticons, military vehicles with missile-firing actions. Onslaught is more of a cerebral character, who prefers to formulate battle plans and strategies then have his Combaticons carry them out. "The mind is the greatest weapon," he thinks. Ironically, he does however combine with them to form the giant battle 'bot Bruticus, who is considerably less intelligent than Onslaught is on his own.
'Transformers: The Last Knight' sees the return of Big Bad Megatron, so there should be some interesting dynamics between these two villains.
No word on whether the other Combaticons would also appear, but the Transformers combiners have always been a crowd-pleaser, so it would make sense. The Constructicons appeared in a groan-inducing role in 'Transformers 2'.
'Transformers: The Last Knight' directed by Michael Bay stars Mark Wahlberg, Josh Duhamel, Tyrese Gibson, Isabela Moner, Laura Haddock, Santiago Cabrera and Anthony Hopkins. It rolls into theaters on May 28, 2017.
Source: Screen Rant


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Tracy Lamourie, a high profile international award-winning publicist, is the Founder and Managing Director of Lamourie Media Inc. a Universal Women's Network 2020 Woman of Inspiration Winner for the Women In Media award and the author of the upcoming book GET REPPED – Build Your Brand With Effective Public and Media Relations.
She is a well known long time advocate on a myriad of important worldwide issues and an award-winning international publicist working across industries from major entertainment projects to small businesses. Tracy is passionate about amplifying important messages and being a voice for those who most need one. Recognized by media around the world for her 20-year campaign that ultimately helped free an innocent man from death row to her work getting clients major media attention and for her local community work, she is the winner of the FIRST PLACE PLATINUM award Hamilton Spectator ReadersChoice for PR 2018, Diamond 2019.
She has been frequently quoted in the international media on both human rights issues and as a Public Relations thought leader. A frequent guest on TV, radio and high profile podcasts around the world on topics of leadership, empowerment, and entrepreneurship as well as all aspects of media and public relations. She is a 2020 RBC Women of Influence Nominee and was also recently nominated for the internationally prestigious 2020 Tällberg/Eliasson Global Leadership Prize.
Visit her website.


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by Lisa Tome
Contributing editor
Fire sparked a rebuilding frenzy for Milt McAllister, Sr.
On Wednesday afternoon, October 7, Milt and his son Milt, Jr. (Eddie), were inside the Bigfoots Express store in Oxford, Pa. The two men are gearing up for that store's opening on or about October 20.
The following morning, Milt, Sr. was in Rising Sun, watching his former business, Bigfoots, on Main Street, being leveled months after fire destroyed the building on June 7. On that date, firefighters were called to the scene for fire in an electrical panel. The situation escalated and the fire grew to three alarms. It damaged both the restaurant and a neighboring home.
"We are going to rebuild. But it's going to be different. We have some issues. I am looking to build on the same foundation if we can. I'm not going to have apartments (above the business) anymore. If we can't build on the same foundation, we'll build a new one. But building on the old one would save us months," he said.
McAllister had hoped to reopen in Rising Sun by early 2016. He said the delay was caused due to the investigation and awaiting the insurance settlement.
"That was a 100 year-old building. But we're coming back to Rising Sun. I grew up in Oxford but I always hung out in Rising Sun. I went to (what is now Bigfoots) when it was Fanucci's. I am planning to come back," he said.
Thursday morning demo crews were on scene in Rising Sun. But while McAllister is waiting for the construction, he has another project. He is helping Eddie open the Bigfoots Express store. That store will offer most everything offered at Bigfoots except pizza. Eddie said they are also adding new items to the menu in Oxford.
When the Rising Sun Bigfoots opens in May or June of 2016, the Oxford store will remain open. Milt will run the anchor store. Eddie will run the express version.
"Realistically, we will open in May or June. We'll be down about a year. We're going to hit winter," he said. "I'll be headed back to Rising Sun where I belong. We were looking to open another place anyway. Now we'll be a small chain and may open more," he said.
He is also grateful. He said he is thankful no one was injured and said the support following the fire was tremendous. "The people of Rising Sun made us who we are. After the fire, people reached out to us. We appreciated it. I really miss Rising Sun. I miss my cheesesteaks," he said.
When it comes to staff, many of the employees at the Rising Sun Bigfoots are related. At least 15 of those staffers are members of Milt McAllister's family. He said that some have taken other jobs or have been collecting unemployment. "They are all waiting to come back," he said.
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December 2018


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