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Group portals
Welcome! Below you'll find a list of both private and public groups. You are only able to access a private group if you are a member of that group. Public groups are open to all members. If you are denied access to a group to which you should be a member, please contact the Health Plan Alliance team for assistance.
Health Plan Alliance governance (private):
- Board of Directors
- Executive Committee
- Programs and Partnerships Committee
- Finance Committee
- Membership Committee


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All aspect of the Fanatic StingRAY Foil board including the shape are aimed to make your foiling experience fun from the very start. The Fanatic StingRAY has a super smooth and very easy take off, with controlled and efficient flight, gentle and forgiving touch-down are all written in the Stingray's job description. It's the board you want to enter the foiling world with and go way beyond.
The Stingray has a foiling-optimised stance and outline and a forgiving scooped nose section with bevelled rails for extremely safe landings. Mounting options for both 4-Way Track and Tuttle Foil Box leave you plenty of room to play with all types of foils and make sure your board is ready for the quick evolution in this exciting segment of our sport. The extra long mast track caters for all sail types and sizes. Lift your fun factor, confidence and skill level to new heights with the Stingray – our hot new Free-Foil Board!
Choose the Stingray over the Gecko Foil for: Dedicated foil use only, while the Gecko Foil offers the option of Free ride Windsurfing. The Stingray is more efficient, more comfortable and more forgiving when foiling. It's compatible with most foils and it's the best board you can find for just plain fun Free Foiling!
Choose the Stingray over the Falcon Foil for: Free Foiling. The Stingray is more suitable for learning the basics of foiling…
100% foil optimised design
Boosted width and parallel rails for comfort and performance
Plenty of v-Shape and scooped nose section for a smooth touch-down
Bevelled rails for forgiving landings and neutral behaviour in gybes and tacks
4-Way Track System and Tuttle Foil Box options for the use of different foils
Extra long mast track for all sail types and styles and for the right trim with multiple foil styles
Full PVC Biax Fibre Sandwich – light and crisp
Footstrap options for entry and performance level
StingRay 125 Ltr - Width 75cm / Length 228cm
StingRay 140 Ltr - Width 85cm / Length 228cm
The Fanatic StingRay Ltd Foil Board Fanatic 2019 Windsurf Boards comes from H20 Sports with with Straps, Screws, Pressure Valve Screw & Sticker Pack. The lowest online price, plus finance options and free mainland UK shipping.
Fanatic StingRay Ltd Foil Edition Windsurfing Board 2019
You must be logged in to review a product. Click here to login or register if you don't already have an H2O Sports account.
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.

subset: commoncrawl


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ABC picks up 11th season of Blue
ABC has ordered the 11th season of NYPD Blue for next year, ABC
Entertainment president Susan Lyne said Tuesday.
NYPD Blue 'is a tent pole of our new Tuesday lineup and a key element in
our effort to rebuild the schedule,' she added.
The top-rated crime drama has been performing well for the network since its
return to Tuesdays at 10 p.m., leading the time period in adults 18 through 49
by 18 percent.
NYPD Blue stars Dennis Franz, and it is produced by Steven Bochco
Productions, co-created by Bochco and David Milch.
It has been nominated for 82 Emmy Awards and won 19.


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You might be attracting the wrong people into your life.
Are you asking yourself a reasonable question? "What is it with these people?
Why are they so wrong for me and why does the same kind of person keep showing up?"
If you're attracting characters who won't stay long, commitment-phobes or insensitive jerks, you have to ask yourself what's going on.
The types of people you're attracting in to your life (if the same ones) might have little to do with them and more to do with you. It's time to stop for a second and see what's going on.
How do you break the pattern of attracting terrible partners?
Here's 5 tips to stop dating the wrong people.
Look for patterns.
Check in with yourself to see if you can notice the patterns in the people you're dating. What does each person have in common with the other? What characteristics or physical attributes do they share? What personality traits? What common quality do all these people have?
Look for common factors in your attraction to the people you're dating. Acknowledge the patterns and become aware of them in the potential partners you meet.
Look for triggers.
Think about the common characteristics or life stories the people you date share.
Whatever the trigger point, start becoming more aware of this trigger point when you meet someone. Ask them specifically about their past, their upbringing or triggers that you notice.
Look for similar character traits from previous partners who hurt you or treated you poorly.
Be aware and actively look for trigger points that are signs of bad things to come. They're always there, but you might be choosing to ignore them for the sake of finding love.
Consciously make a shift.
Honor yourself by weeding out this group of people from your life. Promise yourself to pass on these characters no matter how good they may initially seem to you, no matter how good looking, charming or outgoing they might be.
Instead of focusing what it is you don't want, visualize an image of a person you do want.
Be more aware of the qualities and characteristics you're looking for and look out for those characteristics instead.
Be more aware and more intentional.
Don't let attention or flirtation hypnotize you to the point that you can't say "no."
Now that you're aware of who's right for you and who's not, be on the lookout for the right kind of lover.
Don't go with the flow. Don't meet and date on auto-pilot or cruise-control.
Allow your intuition to lead and this time, listen to it. If you're not feeling good about the person or his behaviors, get out quick. You've been down this path before and it has never worked out well.
Practice saying "no."
Saying "no" is hard, especially when you want a partner in your life, but if you get more intentional and conscious in your relationships, this will be easier to do.
Why should you say "no" often to the people who are not a fit for you?
One, you'll weed out the bad apples, thus avoiding repeated frustration and heartbreak. You'll break the pattern of jerks and losers who hurt you.
Two, you'll keep your life clear to meet the right person for you. If you've filled your life with deadbeats and are preoccupied with the ho-hum, you won't allow that ideal partner to come into your life.
Practice saying "no" with discipline and confidence. Be aware that each "no" to the wrong person will bring you closer to the right one!


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Buy Bottled Big Mac Sauce While Stocks Last
- Wed Jun 06 2018
- Parents Only
- $12.00
Celebrate 50 years of McDonald's 'secret sauce' and take home your own bottle of it today.
However, there are only 100,000 bottles available and it's a case of "while stocks last".
McDonalds announced its secret sauce can be purchased and taken home from 10.30am Wednesday, 6 June.
The bottled sauce is being sold as a part of their 50th anniversary celebrations of the Big Mac burger and all proceeds will be going to the Ronald McDonald House Charity. So you can have your home made burger and feel good about it too!
Where: All McDonalds restaurants across Australia
When: Wednesday 6 June from 10.30am
Cost: $12 per bottle


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Frequently asked questions:
Below is some additional information that may be helpful. If you still have a question that is unanswered, please send me an email and I will respond as quickly as possibly. Thank you! Andrea
1. Do you do commission work?
Yes! I would love to talk with you about creating an original work of art for your home, office, or design project. Send me an email at email@example.com and we can set up a consultation to discuss your needs. Process involves a few steps: 1) email or phone consultation 2) quote of cost/time to complete 3) 50% deposit upon approval 4) mock-up painting/drawing 5) artwork in-progress 6) final approval before finishing 7) artwork shipped or picked up
2. What is your shipping policy?
I make every effort to ship as soon as possible. Once your artwork is heading your way, you will receive a notification email with all the shipment details. Shipping will be billed separately upon receipt. All artwork is shipped unframed and packaged accordingly. If you would like to receive your piece framed, please contact me at firstname.lastname@example.com to discuss shipping costs. If you live in Los Angeles, you are welcome to arrange a pick-up from my studio to avoid shipping costs.
3. Do you ship internationally?
Please contact me directly regarding international sales and shipping costs. I use PayPal for all transactions and will ship anywhere in the world.
4. Can I return work that I have purchased?
All sales are final. I try my best to show all imagery as accurately as possible. If you have questions before purchasing, please contact me directly for further images.
c 2017 Andrea Kraybill. All Rights Reserved.
Artwork purchased from the artists cannot be reproduced, distributed, or sold without the express written consent of the artist. The artist reserves the right to use and sell reproductions of sold artwork.


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Total ads:
ads posted
Category :
New Website for Sale
Real Estate and Property Buy Sell Classified Ads Website is for Sale. Ideal for Real Estate Agents and Agencies. Unlimited Hosting and SSL Secure domain ownership transfer. Website link is www.propertysale.pk Call or whatsapp 03004295472 for details.
All copyrights reserved © 2018 BAICH DAY - Powered by FashioMart


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For busy working parents, day care for their children really isn't an option. Unless you have a relative or friend who can watch your child regularly and at a greatly reduced cost, you'll have to budget for child day care services. Freedom Financial Asset Management says you should expect to spend $4,000 to $18,000 per year for a daycare center.
Quality of the daycare is at the top of the list. As parents, we certainly want a safe environment and a reputable daycare center for our child. But the more in demand a specific center is, the further out of reach it will be financially.
In this article, Freedom Financial Network shares several tips for dealing with the high cost of child care.
Budgeting Your FSA
If both parents are working, there's a good chance at least one employer will offer a flexible spending account as part of your benefits package. Funding an FSA can save you up to one third (~$2000) per year on child care expenses through tax savings, depending on your tax status.
Freedom Financial Network points out that you have to be careful when funding an FSA. Any money you don't use is money you'll lose. Since child care is a fairly consistent monthly expense, it's easy to budget for.
An FSA allows for a maximum budget of $5000. If you are like most parents, you'll pay at least twice that amount in child care. In that case, maxing out your FSA is probably a good idea. But if your child care cost are closer to $5000 per year, you might consider contributing a little less than the maximum so you don't lose anything.
Child and Dependent Care Tax Credit
Another option for tax relief is available through Form 2441, which is the child tax credit. This credit is 20 to 35 percent of child care expenses up to a limit. Through itemization, you can rack up to $3,000 in child care cost. This translates into $1,200 worth of tax savings.
If you have two children, that means itemizations of up to $6,000. Note that children must be 12 years of age or younger to qualify.
State Child Care Assistance
Many states offer assistance for child care. You apply for assistance with your state and if approved, they'll present options available for you.
Freedom Financial Network mentions that services offered through state assistance include family child care homes, child care centers, head start, preschool programs, vacation and summer care programs, care in your home and more.
If you'd like to see which programs you might qualify for through your state,childcareaware.org is a great place to start.
Employer Child Care Assistance
Some employers offer in house day care. This might not be discounted compared to other day cares but when you factor in the cost and time of driving to day cares, it's can be an advantage.
There are also Dependent Care Assistance Programs offered by employers. These programs offer pre-tax reimbursements of up to $5,000 annually for married couples.
If you are finding child care cost overwhelming, contact Freedom Financial Network and let them help you build a plan for managing your child care cost burden. You can reach them at freedomplus.com.


text: So, today I have to work from 4-10 pm and after the work I am planing to visit the gym for a work out. The reason is very simple is during the day time I have to study. During the last days's have only been about studies and gym. However, I hope, really hope, I will manage the upcoming semester with studies and the big big GMAT.


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Monday, January 26, 2009
Have a Haunted Honeymoon
It doesn't have to be Halloween for all things ghostly to be a part of your big getaway. Some of the most notable and luxurious hotels in the world are home to ghosts who just don't want to leave -- and can you blame them? Joe and I stayed at The Logan Inn, one of the haunted hotels in this article, and we heard several ghostly sounds during our stay. I've stayed at the Roosevelt, pictured above, and it's wildly haunted...but in a good way.
If you'd like to stay at a haunted hotel, or close enough just to tour one, check out this great starter article. and know that just like your wedding, your honeymoon is going to be unlike anyone else's in your circle of friends!
Posted by Sharon Naylor at 1/26/2009
Labels: haunted hotel, haunted travel, honeymoon, hotel, travel


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Clients can be partners, sure. But can they be members? That's the question Becky McKinnell, President of iBec Creative, set out to answer two years ago. On the heels of her company's ten-year anniversary, Becky wanted to toss her firm's lengthy requirements documents and move from hourly/fixed project agreements to something more flexible and service-oriented. She wanted to close the divide she felt fixed cost created with clients, and free up her team to be more creative and iterative. Inspired by ideas from Owner Summit, she set out to implement a membership model.
Fast forward to today, and iBec Creative has found success with the membership model. Clients receive dedicated access to designers, developers and digital marketers, and nothing is out of scope. As you might guess, membership isn't easy to sell. But with trust and transparency, it's a sound, innovative solution. Becky joins us to talk about her move to membership, the impact it's made on her team and her plans for the future.
Carl Smith: Hey, everyone, and welcome back to The Bureau Briefing. Today, we have a friend of mine from Portland, Maine, who happens to be the president of iBec Creative, which she founded about 12 years ago. It's Becky McKinnell. Welcome to the show, Becky.
Becky McKinnell: Hi, Carl. Thanks for having me, and thanks for calling me a friend, too. I appreciate that.
Carl Smith: Well, you are a friend.
Becky McKinnell: That's what it feels like.
Carl Smith: Well, and you're a great part of the community, and I want you to get a chance to share with everybody a little bit of your backstory, how you launched iBec Creative. Get everybody up to speed, and then I've got something I really want to dive into that I've been curious about. Let's go ahead and get started, though. Talk about starting iBec Creative back in 2006.
Becky McKinnell: Yeah, so I started iBec the day that I graduated college in 2006. I was a naïve, young businesswoman, but I had this blind confidence that, somehow, I could start a web company, so my senior year I wrote a business plan for a graphic and web design firm that would focus on helping doctors create beautiful websites where their patients could learn about them and connect with their doctor, and so I started cold-calling doctor's offices right after graduating. I was hung up on, and rejected, and it was so painful. It was horrible. I just, I felt so passionate about the cause, and I figured like, "Oh, doctors'll have plenty of money to spend on their websites," but I just ... Well, I didn't have the sales experience, and I wasn't ... Doctors didn't want to buy what I had to sell, so I had to reformat my business plan.
Meanwhile, while I was cold-calling all these doctor's offices, a lot of the small businesses around me knew that I could help with their websites and branding, so I started taking on those clients. One client led to another client, and just then I needed to start to hire people, and it became really awkward to say ... My original company was called MediCreative, so it was just an awkward sales process to try to explain to small businesses that I could still help them with their websites. Yeah, so I rebranded as iBec and then just have continued to grow from there. We've got 15 employees today, and we specialize in helping manufacturers and retailers with their eCommerce websites and strategy.
Carl Smith: You're in Portland, Maine, so what's the market like there? Or, I mean, how far out do your clients go now?
Becky McKinnell: I would say most of our clients are in northern New England. A lot of our business is word of mouth, and it's something that I'm really actively working on changing to expand our geographic presence. I think that iBec has been able to grow, especially through a lot of economic downturn, because we have been a really affordable solution for small businesses. I think that has helped us, but a few years ago, we realized that that's not going to get us to where we want to be as a company, so there are plenty of brands in Maine that are awesome that is where our future business is, but, big picture, to work with the companies that are our dream clients, we need to be beyond Maine.
Carl Smith: Right. When I think a lot of companies, especially you're living on word of mouth, and I think all great companies, maybe all companies, regardless of if they're great or not, that, it's a huge part of their business, and one of the things that you had shared at a previous camp, it might have been at Biz Dev Camp, but was this idea that you were doing of moving from clients to members and having a membership model where people are members. I think of iBec. This just blows my mind. I mean, I think about product companies with members. I think about the Bureau as a community and considering people members. When you're selling a service, and I know that you do web design and digital marketing, app development, a lot of eCom, how does that happen? How do you make the transition?
Becky McKinnell: Well, it took a few years to fully transition from project and hourly work to our membership model. Before we started membership, we would write these 60-page-plus documents that we called detailed project requirements. It was like the most painful document to write, and I felt like it just created so much tension with us and the client, because we felt like we had to make sure we had to have every single bullet point in there, because if some speck was lost, then it would be a gray area, and we'd probably have to write it off. Clients didn't understand half of the terminology and language in the detailed project requirements, and it just felt like we weren't playing on the same team, and so it was really bothering me. I felt like it really prevented me from giving my team the authority to give great service and be "yes" people, like I feel like I've grown the business by being a "yes" person and trying to find every opportunity to make things work and make clients really happy.
I felt like when it came down to fixed cost, that it just, it created a divide between us and our clients, so I went to my first Owner Summit. This is my Owner Summit plug, for all of your listeners that haven't been yet. I went there in 2016, and Blair Enns gave this talk that just totally changed the way I was thinking about our client relationships, and he talked about Blairtopia, where you would have 10 clients, and you have a one-page proposal, and all of your clients would be in the same industry, and you'd be doing such an amazing job for them, and really, the world would be beautiful.
It just got me thinking outside the box, and so I came back to my team a couple weeks later after the conference, and I presented iBectopia, where there's a world with no change orders, and we bill at the beginning of the month via credit card, and we can say, "Yes," to everything as long as we reprioritize our to-do list and got the team on board, and started testing out the idea with our clients and converting our existing clients onto the membership model, which is a flat monthly fee that they pay iBec that gives them a dedicated access to a designer, developer, and digital marketer. There is flexible scope, so there's nothing that is out of scope. It's more just what is going to be reprioritized to fit that in scope, if that makes sense.
Carl Smith: Yeah, and they had to love it too, because those 60-page documents weren't fun for them.
Becky McKinnell: Yeah, and it was just like, it was so freeing to get rid of that document. I don't think anyone liked it. It wasn't ever fun to write them, and clients didn't like them. Membership, it isn't easy to sell. It requires a lot of trust for people to, especially when they're trained to have, "Well, where's my proposal with all of the detailed specs of what I'm going to get?" It's like, "Well, we're going to figure that out as we go." It takes a lot of trust to be able to say, "Yes," to that type of relationship at the same time.
Carl Smith: Well, and obviously, you had established that trust. This was 2016, so also right around when you turned 10-
Becky McKinnell: Yeah.
Carl Smith: ... as a company.
Becky McKinnell: That's right. I didn't even think about it like that.
Carl Smith: It's a wonderful time to kind of look back at all the stuff that you'd done that you didn't like, the stuff that you did like, and then you go to this, and I have to tell you, Blair, yeah, I don't think he's going to have a problem with iBectopia. I think that's fine, but he-
Becky McKinnell: Well, it's just internal.
Carl Smith: He signed an email to me yesterday, "Blairtopia forever." I was just like, "Dream on, loser. I'm not one of your fanboys," but it's funny. He does have a way of shifting your mindset. It's amazing to hear that that was an Owner Summit revelation for you, so-
Becky McKinnell: Yeah, and he's speaking at the next one, so it's going to be a whole new evolution. It's going to be great.
Carl Smith: He's coming back. Yeah. With the next Owner Summit being our five-year, we wanted to kind of reach back to the most influential and also, I guess I would say, polarizing figures, because, and God love Blair, for everybody that loves him, there's somebody that just rolls their eyes like, "Really? Really?"
Becky McKinnell: Absolutely, because there, I can see the argument for hourly work, and there's an element in transparency in both hourly work and, in our world, membership, which are aligned, so I can totally see both sides of the coin. [inaudible 00:11:11]-
Carl Smith: Well, and-
Becky McKinnell: [inaudible 00:11:12].
Carl Smith: But your story, and other stories I've heard of people who came out of there, that's the thing. There's not a right or a wrong. It's in the context of who you are and what you're trying to build, and so for iBec, this obviously worked. Now, that was two years ago that you implemented, started to move. What's it like today?
Becky McKinnell: Today, we have probably about 80% of our business is membership, all new clients that come to work with iBec. When we meet with them, we put together a presentation with three levels of membership, and each has kind of like a rough idea of the velocity of what we can accomplish for them and a rough scope, but there isn't a detailed line item list with pricing. It's just a flat monthly fee that our clients pay us. Some clients have memberships that change with seasonality, so they might be a tourism company, and so they have a higher membership in the summer, or with Q4, with eCommerce, visibility, busy times, so memberships often go up in Q3 and Q4, and then maybe we'll slow down in Q1 and Q2. We really just are constantly having a conversation with our clients to make sure that the membership that we're offering for them is meeting their needs and just trying to ... I feel like it really gives us the permission to be customer service first.
Carl Smith: Yeah. No, I totally see that. What has the impact been on your team?
Becky McKinnell: The team loves it. I think that it allows us to be more creative, and one of the things that, in addition to membership, that we really have pushed for on the past couple of years is continuing to think about how we can do things leaner and be more agile, so instead of creating the most beautiful, perfect website and launching it, how can we launch an MVP faster and then make iterations based on data after the website launches? That kind of alignment of a continuous monthly relationship when we're going to be making iterative changes really matches well with membership, where we're consistently tweaking rather than working really hard on perfection and then launching and not having any budget left to make changes.
Carl Smith: Right, and that's got to be great for clients as well, because they understand, if they're comparing you with another opportunity, another shop, and that shop says, "Well, in five and a half months, after you've given us a lot of money, we'll give you the thing." Right?
Becky McKinnell: Yeah, exactly.
Carl Smith:: Whereas you're saying, "Let's start this monthly relationship. Accounting's going to love it at the client. They know exactly what to expect when, and we're going to get the best thing we can up for you quickly, and then we're going to keep making it better." That's such a better business case for your clients as well.
Becky McKinnell: Yeah. I mean, I feel like it. In any personal experience I can think of, with whether it's a construction project or whatever it may be, like I always ... I prefer having flexibility rather than trying to, rather than being stuck with decisions that I made when I was uninformed about what the future would be like, so I think it just makes it like whenever we have a problem or some things pop up unexpectedly in a website build, like it's us and the client that's working together to figure out how to best solve this problem, how to do it leanly, and if something that used to be a big priority previously, but no longer is, we can just swap out the priorities, and everyone is still continuing to be happily working on the site.
Carl Smith: Yeah, so what kind of pushback did you get? Did you have any client who said, "Nah, we don't want to do that"?
Becky McKinnell: Yeah. A lot of times, we get the pushback like, "Well, how am I going to know what you're doing," or like, "How am I going to ... What happens if one developer is really slow and one developer is really fast, so how do I know that I'm not getting the slow developer," or just concerns about the transparency and like ... I reassure our clients that they're going to know every step in the process when a decision has been made, and they're going to know at least every week what we're working on, what's been accomplished, and we're essentially like an employee for your company. Just as often as you would talk to your employee about what's going on, it's the same thing with iBec, and we're going to be exchanging emails back and forth for the status of things, and just like if a client were unhappy with an hourly project or a budgeted work project, we're going to work on and solve it the same way, with membership, and have a collaborative discussion and problem-solve it together.
Carl Smith: Well, and if a client doesn't trust you, it doesn't matter what form of work you're doing.
Becky McKinnell: Yeah, exactly.
Carl Smith: They're just not going to trust you.
Becky McKinnell: Yeah. It's such a key part of a great relationship is having that trust and being able to have difficult conversations when you need to have them, because every client relationship will have at least one difficult conversation, and I think that that really proves that if you can have a tough conversation, then, and things still go well, that you're on the right track for a successful long-term relationship.
Carl Smith: For people who would look at membership and say, "Isn't that just a retainer," what would you say are the differences in the way that you approach membership versus how somebody may approach a retainer?
Becky McKinnell: Well, I would say that with membership are, you can't bank hours or save hours or ... It's not something that like ... It is what it is. It's $5,000 a month, $10,000 a month, and it's not something that you can borrow from other months. It's not completely divorced from hours, and this is something that I would love to be able to get to in the future. We don't provide detailed hourly reporting for clients, but we do keep detailed time on how we work on a client, so we still do time tracking, and we still use our time tracking for forecasting so that we can make sure that each of our teams are at capacity.
I haven't gotten to that perfect point yet where it's not tied to hours, but I feel like for, the path for me to get there is to work on the larger membership levels require less of the detailed time tracking, and I think that I could get to the point where I had a few teams working on a few clients, and those teams were just booked solid with those clients, and they didn't have any small pop-up tasks from other clients or other small memberships that they had to work in. If they're just completely devoted to that client, I think I could get rid of the time tracking and hours.
Carl Smith: You said roughly 80% of members right now?
Becky McKinnell: Mm-hmm (affirmative).
Carl Smith: How has that changed the internal structure of the organization? I know you were on, I know, on a roll call recently, and we were going through looking at it. Has the membership model played a strong part in deciding how you organize-
Becky McKinnell: Yeah.
Carl Smith:: ... the company?
Becky McKinnell: That's a great point. It hasn't necessarily changed our org chart, but in terms of how work gets done, we have two teams, and each team has their own members. It's really nice, because it's almost like we have two companies within a company, but we're still sharing expertise, so it makes it easier for the teams, because they don't have to go talk with three different developers for three different projects that they're working on for three different clients instead.
Within the teams, they're all on the same page for what the clients' goals are, and they've got a smaller number of kind of communication paths when they need something rather than before when we moved to this model, like you might be a designer and working with six different developers who don't know what each other's working on, but since we have the membership model and we have the dedicated teams, our clients really like to know who's working on their website and their marketing. Then the teams really get to know the client, and then within the teams, they're able to kind of self-organize and be able to change any workflows, or like if one client has an emergency, how it's going to affect the other clients, they can just solve those problems together rather than having it be a whole web of conversations within the company.
Carl Smith: Without a chaotic stop.
Becky McKinnell: Yes.
Carl Smith: "Let's see what's going on. How are we going to make this happen," and also that feeling of ownership that that team must have, knowing that that member is part of their group.
Becky McKinnell: Yes.
Carl Smith: Right? Versus, "Somebody handed us a folder, and we've got to do the thing that's-"
Becky McKinnell: Yes-
Carl Smith: " ... in the folder."
Becky McKinnell: ... and the team's involved in the whole sales process. They meet the client even before they're officially a member, and are part of that whole conversation of figuring out how we can best help that client.
Carl Smith: I think the biggest question that comes out of this, for me, having been an owner, having been a founder, running a company for over a decade, how has it impacted you personally?
Becky McKinnell: I really like that it makes us different. Nothing makes me more happy when people say like, "Oh, I haven't heard of this before. I haven't seen this type of relationship before." I think it's so important to be innovative and finding ways that are non-traditional and are client-focused, and I just feel like that this model is going to become more common, like not just in digital and web, but I think for a lot of professional services firms, having a membership model makes a ton of sense, and I'm happy that we're kind of early adopters of this new type of relationship.
Carl Smith: Well, I'm happy that you are, too, and I think you're showing an example of taking a chance that makes sense, and having it be successful, so congratulations, Becky. I'm really happy for you.
Becky McKinnell: Thanks, Carl, and thanks for helping continuously spark new ideas for me with all that you're doing with the Bureau.
Carl Smith: Oh, I appreciate it. Everybody listening, thank you so much. We'll be back again next week. All the best.
Photo via iBec Creative


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Migrating from MySQL to Redis
Debates on using relational DBs vs KV Stores apart, In this post, I'd like to share how can you migrate all your data from a MySQL table to Redis - a super fast key-value store; leaving the decision of whether migration is good/bad for your environment up to YOU.
In this tutorial, I have mapped my mysql attributes to a Redis hash map data type with my primary key as a hash key using HMSET, which is one of the commands Redis provides to create redis hashes.
MySQL Table Schema and Data:
Now, this is my data 'transformation' script, if you will; that reads the rows from MySQL table and generates full HMSET command for every row using MySQL's CONCAT:
And the final step would be to pipe the output of this transform script to redis-cli by running the following command
On successful completion, all your data should in Redis and you can check by either running INFO or HGETALL (eg. HGETALL iid:21a134) from redis-cli
Now, what do you do with it? Redis-cli is kinda like mysql cli prompt, you can't do much. You have to use language specific clients (similar to mysql clients) from your code to communicate with Redis. Redis clients are available for almost all well known programming languages and are listed HERE. And of course, first thing you'll observe with your Redis-powered environment is very fast read/write speeds relative to MySQL DBs.


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As every year, the Greeks celebrate Easter and meet together for the goat on the spit. I was invited to the island of Leros where the food arrived in large quantities and the wine was flowing! Among the guests, this man, a fisherman and farmer on the island, who kindly let me photograph him. Nicolas, this worker of the sea and the land had come with his family to celebrate. Καλό Πάσχα as we say!
©Théophile Bloudanis


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Are you tired of trying to find the cheapest Honda CR-V insurance in Jacksonville? Paying for overpriced Honda CR-V insurance in Jacksonville can stress out your funds and force you to cut corners elsewhere. Doing a rate comparison is free and is an excellent way to lower your monthly bill.
Surprisingly, a recent survey revealed that a large majority of drivers have purchased from the same company for a minimum of four years, and nearly 40% of drivers have never quoted auto insurance rates at all. Many consumers in Florida could save an average of up to 55% each year by just comparing quotes, but they just assume it takes a lot of time to compare rate quotes. Multiple insurers compete to insure your vehicles, so it can be very hard to choose a provider to find the absolute best rates possible on Honda CR-V insurance in Jacksonville.
You should take the time to take a look at other company's rates quite often because prices change frequently. Just because you found the lowest rate on Honda CR-V insurance in Jacksonville at your last renewal you will most likely find a better premium rate today. Ignore everything you know about auto insurance because I'm going to teach you the right way to properly buy coverages and cut your premium.
Save money with these ten money saving discounts
Insuring your fleet can be pricey, but you might be missing out on some discounts to help offset the cost. Some discounts apply automatically when you complete an application, but some need to be asked for before being credited.
- Telematics Discount - Drivers who elect to allow their car insurance company to analyze when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate's Drivewise system could save a few bucks if they are good drivers.
- Anti-lock Brake Discount - Cars equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
- Life Insurance - Larger insurance companies have a discount if you purchase a life policy as well.
- Lower Rates for Military - Having an actively deployed family member could trigger a small discount.
- Government Employee Discount - Having worked for a branch of the government may reduce rates when you quote Jacksonville car insurance but check with your company.
- Good Grades Discount - Being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
- Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may qualify for discounts of up to 25% or more.
- Distant Student - Any of your kids living away from Jacksonville attending college and do not have a car may be able to be covered for less.
- Use Seat Belts - Drivers who require all vehicle occupants to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Driver's Ed - Teen drivers should enroll and complete driver's education in school.
Policy discounts save money, but many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky.
A few of the larger companies and a partial list of their discounts are detailed below.
- State Farm discounts include driver's education, anti-theft, multiple autos, Steer Clear safe driver discount, and defensive driving training.
- GEICO includes discounts for anti-lock brakes, emergency military deployment, daytime running lights, federal employee, and multi-policy.
- Progressive may include discounts for multi-vehicle, multi-policy, online signing, good student, and homeowner.
- 21st Century has discounts for student driver, 55 and older, air bags, early bird, defensive driver, driver training, and theft prevention.
- American Family offers discounts for defensive driver, accident-free, multi-vehicle, good student, and good driver.
- The Hartford may offer discounts for good student, anti-theft, bundle, vehicle fuel type, air bag, defensive driver, and driver training.
- AAA may have discounts that include good student, pay-in-full, multi-policy, AAA membership discount, and good driver.
Double check with every company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in Jacksonville. To locate providers that offer some of these discounts in Florida, click here to view.
The quickest way to get policy rate comparisons for Honda CR-V insurance in Jacksonville is to take advantage of the fact most of the bigger providers will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is give the companies some data such as if the car is leased, whether you drive to work or school, what your job is, and how much you drive. That rating information gets transmitted to multiple car insurance providers and you should receive rate quotes with very little delay.
If you would like to compare rates now, click here and find out if you can get cheaper insurance in Jacksonville.
The companies shown below offer quotes in Jacksonville, FL. If you want cheap car insurance in Florida, it's highly recommended you visit several of them in order to get a fair rate comparison.
|Annual Premium
|Monthly Premium
|Get Your Own Custom Quote Go
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle garaging location which can revise premiums noticeably.
Physical damage deductible comparison
The information below demonstrates how choosing different deductibles and can change Honda CR-V insurance premiums for different age categories. The information is based on a single female driver, comp and collision included, and no additional discounts are factored in.
Comparing rates from local Jacksonville insurance agents
Some consumers just want to go talk to an agent and we recommend doing that Good agents will help you protect your assets and help you file claims. The best thing about price shopping on the web is the fact that drivers can get cheap rate quotes and also buy local. Buying from local agents is important especially in Jacksonville.
To find an agent, once you fill out this short form, your insurance coverage information is submitted to agents in your area who will give competitive quotes for your car insurance coverage. It's much easier because you don't need to contact any insurance agencies as quotes are delivered to the email address you provide. If you need to compare rates for a specific company, you would need to visit that company's website and fill out their quote form.
Different types of auto insurance agents in Jacksonville
If you're trying to find a local Jacksonville insurance agent, you should know the different types of agencies from which to choose. Jacksonville agents may be either exclusive agents or independent agents. Either one can insure your vehicles, but it's worth learning the differences because it can impact the kind of agent you use.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel do not have single company limitations so as a result can place your coverage with an assortment of companies depending on which coverage is best. If they find a cheaper price, the business is moved internally and the insured can keep the same agent.
When comparison shopping, you need to contact a few independent agents to have the most options to choose from.
Featured below are independent agencies in Jacksonville that may be able to give pricing information.
Erwin Insurance, LLC
841 Prudential Drive, 12th Floor - Jacksonville, FL 32207 - (904) 764-7531 - View Map
Erwin Insurance Agency-Beach
5243 Beach Blvd - Jacksonville, FL 32207 - (904) 391-1003 - View Map
State Insurance Agency
803 3rd St N - Jacksonville Beach, FL 32250 - (904) 247-5599 - View Map
Exclusive Car Insurance Agents
These type of agents can only quote rates from one company such as American Family, State Farm, and Allstate. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point.
Shown below are exclusive agents in Jacksonville that are able to give comparison quotes.
Allstate Insurance: Stephanie Ando
3546 St Johns Bluff Rd S #109 - Jacksonville, FL 32224 - (904) 645-8880 - View Map
13947 Beach Blvd #206 - Jacksonville, FL 32224 - (904) 992-0002 - View Map
Randy Taylor - State Farm Insurance Agent
3041 Monument Rd #1 - Jacksonville, FL 32225 - (904) 642-2400 - View Map
Picking a car insurance agent should depend on more than just a cheap quote. These are valid questions to ask:
- Is there a local claims center in Jacksonville?
- Can they help ensure a fair claim settlement?
- When do they do policy reviews?
- Can you choose the body shop in case repairs are needed?
- If you raise deductibles, how much can you save?
- Are they involved in claim handling?
- Is coverage determined by price?
After you get answers to your satisfaction to these questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that is reliable enough to insure your vehicles. Just understand that you can cancel a policy whenever you want so don't think that you're stuck with any specific company indefinitely.
Why auto insurance is not optional
Despite the high insurance cost for a Honda CR-V in Jacksonville, paying for auto insurance may not be optional for several reasons.
First, almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a loan, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Honda at a significantly higher premium and force you to pay for it.
Third, insurance protects both your Honda and your assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Honda gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your CR-V definitely exceed the cost, particularly for liability claims. An average driver in America is wasting up to $855 a year so it's very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.
Car insurance coverage basics
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.
Liability coverages
This coverage can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 10/20/10 that translate to $10,000 bodily injury coverage, a total of $20,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as court costs, loss of income, emergency aid and repair bills for other people's vehicles. How much coverage you buy is a personal decision, but it's cheap coverage so purchase higher limits if possible. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing higher limits.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, EMT expenses, X-ray expenses, prosthetic devices and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda CR-V.
Since many Florida drivers carry very low liability coverage limits (10/20/10 in Florida), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.
Comprehensive insurance
This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass and theft. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.
Collision protection
This coverage pays for damage to your CR-V caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as damaging your car on a curb, driving through your garage door, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible on your CR-V to get cheaper collision coverage.
Lower rates by being persistent
While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at a price you can afford.
Lower-priced insurance in Jacksonville is possible from both online companies and from local insurance agents, so get free Jacksonville car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not offer the ability to get quotes online and many times these regional carriers sell through independent agencies.
To read more, take a look at these articles:
- Auto Insurance FAQ (Farmers Insurance)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Preventing Carjacking and Theft (Insurance Information Institute)


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Selfridge is a town in Sioux County, North Dakota, United States and on the Standing Rock Indian Reservation. Selfridge was founded in 1911. The population was 160 at the 2010 census.[5] Other settlements near this town include Fort Yates, North Dakota and Porcupine, North Dakota. Previous settlements that have since disappeared are Maple Leaf and Chadwick.
Selfridge is located at .[6]
According to the United States Census Bureau, the town has a total area of 0.27 square miles (0.70 km2), all of it land.[1]
The Selfridge Public School District system consists of two main school buildings. Selfridge Elementary serves grades K-6. The high school serves grades 7-12. The school system enrolls around 100 students. The schools were built in the 1950s to replace the old main school building. The elementary school was once a private school for the St. Philomena Catholic Church.
The town is now served by the Farmers Union (or Cenex), Branding Iron Bar & Steakhouse, USDA (United States Department of Agriculture), Cedar Soil Conservation, the senior center, and numerous churches.
Selfridge was settled in 1911 along a Milwaukee Road branch line that diverged from the railroad's Pacific Extension transcontinental route in McLaughlin, South Dakota and ran to New England, North Dakota.[7] The first depot was a stationary boxcar moved into Selfridge in 1917 by the railroad on a flatcar; G.E. Langbein became the first depot agent. The boxcar-depot was in pretty deplorable condition upon arrival; it took quite a bit of work to fix it up. In the early days, trains were used extensively, for long distance travel by Selfridge residents and continued until the later 1940s. Selfridge was dependent on the railroad in the early years. Everything came in by train: groceries, lumber, fruit, coal, meat, machinery, mail and even ice. The town shipped all its produce out by train also. Again, the mail, livestock, grain dairy products etc. The trains were a vital part of Selfridge as a growing community.
The first business, a general store, was started in 1911, followed shortly by the Sioux Lumber Company later in 1911. This made for access to building supplies for other businesses and homes which followed. Some of the first homes were crude shanties until the residents could later build their homes, such as the J.K. Wead home and the B.L. Smestad home. These are still being lived in by families today.
Farmers came to the Selfridge area hoping to make their fortune in flax. The area was open range and cattle had to be herded day and night. The area had good farming ground and excellent ranching hills. Horses were used for pulling wagons and for farming and most of the prairie was broken up with walking plows. Travel was slow and difficult due to crude prairie trails and lack of roads. Good roads weren't really built until the 1930s when W.P.A. was put into effect. The roads were then built with horses and crude machinery.
For the first eight years after it was founded, Selfridge existed as an unorganized community without the benefit of municipal ordinances and local supervision—a real "wild west" sort of environment. Before they incorporated to become a village, the residents of Selfridge fought a losing struggle to have Selfridge designated as the county seat before Sioux County became separated from Morton County. History repeated itself, when again in the 1950s the residents tried to have the county seat relocated from Fort Yates to Selfridge because it is more centrally located. Both times were disappointing defeats.
In 1925, the City of Selfridge boasted 51 homes and 63 business places. It contained 2 churches, 4 schools, 3 elevators, 2 garages, 3 implement dealers, 4 filling stations, 2 welding shops, 1 long distance phone, 1 lawyer, 1 pool hall, 2 banks, 1 public hall, 1 picture show, 4 general stores, 3 grocery and meat stores, 1 blacksmith shop, 1 feed barn, 1 rooming house, 2 restaurants, 4 real estate offices, 2 oil stations, 1 hotel, 1 hardware, 1 newspaper, 1 drug store, 1 barber shop, 2 cream stations, 3 contractors, 1 painter, 2 lumber yards, 2 confectioneries, 1 millinery shop, 1 footlocker, and 1 electric, and power & light company.
By 1930 the town had more than doubled its population. We can honestly say the community of Selfridge was a bustling, thriving place to live. The people supported their community one hundred percent. Everything was purchased at home—from machinery, cars, groceries, clothing, fuel, building supplies etc. Nobody went out of town to patronize another community. This is what gave Selfridge its vitality. The roads and mode of travel were not conducive to buying away from home. About the only way things were purchased away from home was through the Sears and Roebuck Catalog. Organizations and groups were formed with all members supporting and maintaining the group to its fullest potential.
During the depression years of the thirties, many local men and area farmers supported their families by working on W.P.A. (Works Progress Administration). The pay was anywhere from $25 to $42 per month depending on the type of work and job and whether the men furnished their own teams of horses. Our city park was started and planted with grass and trees. The City Auditorium was built and sidewalks installed. National Youth Association (NYA) gave many of our young people jobs. They earned $6.00 a month.
As the town grew, fire became its greatest hazard. A volunteer fire department has always been in existence in Selfridge, but never formally organized until 1973. Balls and fundraisers were held often to raise money for equipment. Many of the Selfridge business places and homes have been lost to major fires through the years. Always the people rallied and rebuilt. More evidence of the fortitude the Selfridgites possessed. Prairie fires through the years have threatened the very existence of Selfridge.
As the years progressed, so did the modernization of travel and roads. People were soon able to jump into modern fast moving vehicles and get to their destination with not much time lost. Because of cars, trucks, tractors, and up to date machinery, we no longer needed horses and soon the village blacksmith and harness repair shops disappeared. Soon came the discontinuance of passenger train service because cars were so much more convenient. When rail freight service was no longer available our city dray line was no longer needed. The list could go on of the businesses lost to modernization.
In the early years of the 1940s bumper crops were harvested around the countryside of Selfridge. The farmers enjoyed a chance to take a breath without wondering where the next meal was coming from as in the previous ten years. They hauled their grain into 3 self-operating elevators in Selfridge. Business in town flourished and once again building and remodeling could be seen everywhere. Just as fast as Selfridge recovered from the depression, it was hit by the war years. Research proves that people in Selfridge worked together and everyone did more than 100% to help the war effort and bring peace in the world again.
Farming practices in the Selfridge area have changed drastically over the past 100 years—trash cover on summer fallow, a faster coverage of all stages of farming including seeding, summer fallow, harvesting, etc., as well as chemicals used on weed and insect control, seed variety and treatment. The Cedar Soil Conservation Office should be given credit here as they assisted in dam, dugouts, dike building, planning, surveying and financially. Modern farming practices have cut down on farm labor costs but increased in farm management costs. Farmers and ranchers now spend long hours with the calculators and computers figuring out how to get the best production for the least cost.
An adequate supply of good water is essential to the growth and development of any town or city. The years during the 50's saw the most progress of Selfridge since its beginning. Once again, through research, it was found that the City Council worked diligently to bring about the water and sewer system to the City of Selfridge. Our leading well driller, George Walker Jr., has to be given credit for the important role he played during this project.
Also, not to be forgotten, was the long awaited day of blacktopping all the streets of Selfridge. Farmers and townspeople alike worked for the successful completion of this project. Here again, the Blotske Brothers Construction helped in making this project the success it was. These improvements are today taken for granted, but had we all been a part of Selfridge during those years, we would realize what an asset these projects are and would be more appreciative of them. The paved roads have since deteriorated. They are in such poor condition that they serve as effective town-wide speed bumps. Driving faster than 15 mph produces a bouncing ride hard on the undercarriage (both human and mechanical).
In the late '50s and early '60s, Selfridge hit its peak population. Much construction and building was going on in this area. This meant jobs for people, families moving into our town and maintaining our school and supporting our businesses. The building of the Five Star Cheese Plant also meant jobs for people in our community and an outlet for the product of the dairy farmer. By the 1970s the Selfridge population started going down as did the population of most small towns. People were better able to purchase away from home at a cheaper price. The small town businesses could not buy in the large quantities and therefore, their prices remained higher causing people to buy away from home. Business at home fell off and right on the heels of that came the closing doors of many business places. That, we know all too well, means loss of jobs.
And the young people started leaving the community. During the later years of 1970 it was even feared by the community that it might have to close the doors on its school. This was the trend across the whole country—people moving from rural to urban settings.
But, the "Spirit of Selfridge" prevailed through all the low times of its short life. Now young people are again building homes and so are the older generation in their retirement years. Young people are taking over existing business places and starting new ones. Our students are trying their wings and returning to the "old home town" to seek employment or to try a new enterprise. Organizations are forming, with members once again supporting and working together for the success of the group as a whole. The transitory employees who pass through Selfridge, such as teachers, government workers, and Southern combiners, have always remarked on the friendliness of the community and the spirit it possesses.
The main access to the town is using North Dakota Highway 6. The Milwaukee Road line that ran through the city was abandoned in 1983, leaving Selfridge without railway access.[8]
As of the census[2] of 2010, there were 160 people, 59 households, and 36 families residing in the city. The population density was 592.6 inhabitants per square mile (228.8/km2). There were 76 housing units at an average density of 281.5 per square mile (108.7/km2). The racial makeup of the city was 33.1% White, 0.6% African American, 58.1% Native American, 1.3% Asian, and 6.9% from two or more races. Hispanic or Latino of any race were 2.5% of the population.
There were 59 households of which 32.2% had children under the age of 18 living with them, 25.4% were married couples living together, 23.7% had a female householder with no husband present, 11.9% had a male householder with no wife present, and 39.0% were non-families. 30.5% of all households were made up of individuals and 6.8% had someone living alone who was 65 years of age or older. The average household size was 2.71 and the average family size was 3.28.
The median age in the city was 34.5 years. 31.2% of residents were under the age of 18; 9.5% were between the ages of 18 and 24; 21.3% were from 25 to 44; 22.5% were from 45 to 64; and 15.6% were 65 years of age or older. The gender makeup of the city was 49.4% male and 50.6% female.
As of the census of 2000, there were 223 people, 71 households, and 54 families residing in the city. The population density was 830.4 people per square mile (318.9/km2). There were 85 housing units at an average density of 316.5 per square mile (121.6/km2). The racial makeup of the city was 39.91% White, 59.19% Native American, 0.45% Pacific Islander, and 0.45% from two or more races. Hispanic or Latino of any race were 2.24% of the population.
There were 71 households out of which 46.5% had children under the age of 18 living with them, 36.6% were married couples living together, 28.2% had a female householder with no husband present, and 23.9% were non-families. 19.7% of all households were made up of individuals and 2.8% had someone living alone who was 65 years of age or older. The average household size was 3.14 and the average family size was 3.48.
In the city the population was spread out with 40.8% under the age of 18, 9.4% from 18 to 24, 23.8% from 25 to 44, 20.2% from 45 to 64, and 5.8% who were 65 years of age or older. The median age was 24 years. For every 100 females there were 89.0 males. For every 100 females age 18 and over, there were 83.3 males.
The median income for a household in the city was $24,375, and the median income for a family was $23,594. Males had a median income of $21,875 versus $18,750 for females. The per capita income for the city was $8,824. About 21.6% of families and 29.4% of the population were below the poverty line, including 38.6% of those under the age of eighteen and 31.6% of those sixty five or over.
This climatic region is typified by large seasonal temperature differences, with warm to hot (and often humid) summers and cold (sometimes severely cold) winters. According to the Köppen Climate Classification system, Selfridge has a humid continental climate, abbreviated "Dfb" on climate maps.[11]
History Reference: http://selfridge-nd.com/Selfridge_History.html
North Dakota, Grant County, North Dakota, Morton County, North Dakota, Adams County, North Dakota, Emmons County, North Dakota
Wisconsin, Iowa, Idaho, Michigan, Minnesota
Selfridges, Harry Gordon Selfridge, Oliver Selfridge, Thomas O. Selfridge, Thomas O. Selfridge, Jr.
North Dakota, South Dakota, United States, Sioux County, North Dakota, Corson County, South Dakota
Sioux County, North Dakota, North Dakota, United States, Census-designated place, Daylight saving time


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Mangaka: Sanami Matou
Published by: Tokyopop
Release Date: 2004
Series: FAKE #2
Language: English
Purchased From: NZAE Con Dunedin
Purchase Price: NZ $3.30
This time, Dee and Ryo go on their first vacation together, but their break from crime-fighting doesn't last long. When the duo encounter a corpse, their forced to answer questions from local police and soon discover that four Japanese people have recently been murdered there. Officer Berkeley Rose seeks their help. When JJ, Bikky and Carol show up, it appears that one of their group might be the killers next target. With a lot of skill and a little luck, Dee and Ryo will be able to solve this murder mystery before another life is lost.
Later, Dee takes Ryo to visit the orphanage he grew up in. When a bomb explodes and seriously injures the nun who raised him, Dee will stop at nothing to find the perpetrator and get even. It's up to Ryo to stop Dee before his lust for revenge leads to murder.
Also in this series:


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A will, or last will and testament, is an excellent first step in most estate plans. Wills can effectively identify what assets you have, and what you would like to happen to them when you're gone. For many people, there comes a point when their estate is too large or complex to be properly dealt with by a simple will. When this occurs, a revocable living trust is oftentimes the perfect solution.
Revocable trusts are legal instruments that allow you to place assets to be held in the trust—a move which generally provides some very significant benefits. As long as you are living, you can make changes to this type of trust, or even close it out if you choose. Learning about some of the benefits of a revocable living trust will show why it is such an important part of many estate plans.
Avoiding Probate
If you die with just a will, nearly all of your assets will need to go through probate before they can be passed on to your heirs. Probate can be very time consuming and costly, especially if you have a substantial estate. A revocable trust, however, does not need to go through this process. This is because it is a private contract that is setup to execute upon your death. When this occurs, the assets within the trust can be settled by the successor trustee. Probate avoidance, and the cost benefits associated with avoiding probate, is by far the biggest benefit to setting up a revocable living trust.
Can Plan for Physical or Mental Incapacity
One of the biggest worries of many people is that they will become physically or mentally incapacitated, and unable to make their own decisions. While this is certainly a frightening thought, you can find some comfort when using a revocable trust. If desired, the trust can include a provision that allows a loved one or other trusted individual to step in as a successor trustee to administer and manage the trust. The alternative in many cases would be for your loved ones to seek a conservatorship, which can be a complex and costly process.
Privacy is Maintained
When a will goes through the probate process it becomes part of the public record, which means anyone can look at it. Your heirs may not want people knowing how much they inherited. A revocable trust, on the other hand, is a private document that does not become a matter of public record. You can pass all your assets on to those you choose, without anyone other than your heirs and the executor knowing what each person is getting.
Creating a Revocable Living Trust
If you think that a revocable living trust might be a good part of your overall estate planning, please make sure to contact Lake Cook Legal Solutions, LLC. [Link to CONTACT US page] We will be more than happy to go over your current circumstances, discuss your goals, and help you to set up a revocable trust that will meet all your needs.


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"What Were You Thinking?" The Effects of Marijuana on the Adolescent Brain
— For students, parents and caregivers (middle & high school)
This program will address recent research on the effects of marijuana use during the adolescent years, specifically:
How does teen marijuana use affect rates of addiction in later life?
How does marijuana affect brain development and executive function in teens and in growing brains?
Marisa Silveri, PhD, nationally acclaimed behavioral neuroscientist at Harvard Medical School and McLean Hospital, will present her work on adolescent brain development and the effects of marijuana use on brain function. She will also answer audience questions.
— Lead Sponsors: Natick Acts, Natick Together for Youth (NTY), Town of Natick, Natick Public Schools, SOAR Natick, SPARK Kindness


text: Dena Ryde MES, ISSA-FNS, Personal Trainer & Pre and Post Natal Exercise Specialist Contact Dena Ryde 416-367-9957 x 4213 email@example.com About Fitness is a journey. With motivation, dedication and education you can reach any goal. For over 12 years, I have been very successful at motivating and guiding people to attaining their goals. Each program must be personalized and well balanced in order to exercise safely and effectively. You are in control of how you look, feel, and live - take charge, go for it, and let me be your guide.


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Motorcycle rider killed in crash in Surprise
One person was killed Tuesday evening in a three-vehicle crash in Surprise, police say.
Emergency crews responded about 5:40 p.m. to reports of a crash near the intersection of West Bell Road and North Sunrise Boulevard. The area is about ½ mile east of Loop 303.
Initial reports indicate a motorcycle rider was speeding on Bell Road when the rider collided with two vehicles in the area, Sgt. Tim Klarkowski said. The driver of the motorcycle was pronounced dead at the scene.
Additional details were not immediately available.
Drivers are asked to avoid the area throughout the evening.
Former Mesa police officer's fate up to jury
Girl killed in Phoenix dump truck crash identified
AZ pedestrians more likely to die in fatal crash
Read or Share this story: http://azc.cc/2Aav3nW


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By Helen Bridgeman on Friday, December 22, 2017 in News. No Comments
Hello Owls,
Well done everyone for a fabulous half term you have all worked incredibly hard. We have had an exciting week we enjoyed the pantomime 'Aladdin' and our Christmas lunch and Christmas party day.
Only 3 more sleeps till Christmas Day so have a lovely time with your family and friends.
Don't forget keep on reading and writing and check out Sumdog and your home work books.
Thank you for your cards and gifts.
Happy Christmas and se you all in the New Year. From Mrs Bridgeman x
You can be the first to comment!


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Music Residence: Sonja Bjordal
- June 3, 2019
6:00 pm - 8:00 pm
- June 10, 2019
6:00 pm - 8:00 pm
- June 17, 2019
6:00 pm - 8:00 pm
- June 24, 2019
6:00 pm - 8:00 pm
Come on down to the Duluth Folk School for free music by our June Music Resident artist, Sonja Bjordal!
Sonja Bjordal has been playing and performing in Duluth since the early 2000's. She has been alongside her long time life and musical partner Lee Martin for many a year, playing under a few different band names. Currently, she performs with her band Feeding Leroy, and they continue to travel and spread their sound around the country.
Sonja has been a Duluth resident since 2002 and has become a homeowner in the Lincoln Park neighborhood where she enjoys hiking the trails, walking around town and frequenting new shops and eateries in the neighborhood. Sonja loves to perform solo as well as with her bandmates. She is a lover of folk song and stories that weave us all together.
She will be performing each Monday night in June, at the Duluth Folk School.
Venue: Duluth Folk School Main Hall
Located on street level. Handicapped accessible.


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Chapter one – Absolved from choice:
I am writing here because I have no one to confide in, you're but a piece of paper but I hope that just expressing myself here will relieve me of many pains and worries. I will keep you close in my pocket at all times, living next to a pen in that dark recess for me to summon up at anytime that I wish to express myself. I have had many ideas or thoughts and lost grasp of them merely by not expressing them to others or even myself. I hope too, that these writings will help me to pursue those difficult thoughts and no longer lose them to idleness or lack of social interaction.
I am known by my family name of Odinfeider, but I am also known as father. I am a priest in a small town. Obviously being the father of this town I get to know pretty much everyone, giving sermons and advice and…well…just generally being a part of the community, serving the people. As I write this I do consider that me being a priest in a small town seems no cause for suffering, which in general it really isn't. I take great pleasure in the serving of the people that I do, the talks and advice I give and the way that I see I am influencing people towards God's way. That in itself, is greatly rewarding. But like all men, I have questions, I have worries, I have debates inside my head, and that is the key to my own pains. I wish to exercise myself of this pain, or would that be exorcise? I think the best way to come to an understanding of yourself, you must delve into your past, considering all that has come before the present and use that to teach you about where you are right now, which of course is only happening right now because of that past.
I was raised like many, common and poor. My father was a deeply religious man who influenced me so greatly. Never in my life since my childhood have I had such respect and fear for one person. He was intimidating, scolding, but fair. He taught me God's ways as I was being raised by him, my father teaching me about our father. I quickly picked up most of what he spoke of. The human condition being a curse, our own nature being corrupted and always ready to turn from God in order to indulge in some temporary pleasure. I began reading the scriptures my father had the moment he had taught me to read. I didn't go to school, he taught me at home. And being such a wise man, he was the most excellent of teachers, but never easy on me, to which I am greatly thankful. He was quite obviously and evidently preparing me for the holy life, to serve the people and to serve our father.
At the age of fifteen I was ready to begin my priesthood and was apprenticed by my local parish, that priest himself was looking for someone to take over his main duties as he was incredibly old and literally falling apart with each year. He needed someone to take over the greater duties and to be left to advise or just help with small duties. I was delighted but took this opportunity very seriously. Solemnly. I carried on with my daily studying of the texts and began to look after my dad as he fell sick from working himself into exhaustion. With more experience my duties became more demanding, giving talks and advice, group meetings and travelling to other towns in order to educate and collaborate the masses. It was of course rewarding, not in a material sense, but deep down it rewarded something inside me, my humanity was being nurtured and pleased. By the age of nineteen my father had only worsened, not being able to work anymore he relied on me, who relied on donations to feed him. A man in that condition can only last so long, but my father kept on.
This however stopped. I was woken up by a scream one morning not long after my 20th birthday. My father was screaming my name. I of course ran to him and tried my best to comfort him, believing he had a nightmare. He grabbed my hand in his and told me he knew his time was up. He begged me to promise him that I would always do my best to serve God. I of course without a single moments thought or hesitation promised him on everything that I knew and was, that it would be done. I was sincere and he knew it from the relief in his eyes. He squeezed my hand and closed his eyes, until his grip loosened and he passed away.
As to be expected, I was broken. My father, my teacher, my everything had died. But I knew that as it was such a sad event, it was also glorious. Such a great man cannot pass away and fail to be rewarded for all of his services. Using donations I worked up a funeral which almost everyone I knew from the town came to. They offered me no words, only sorrowful stares. I am sure they understood my pain and that I didn't want or need to be comforted. It was a beautiful sermon and I surprised myself by keeping perfectly stable and calm as I delivered a eulogy and song of praise. With my father's death the house became mine, I took on more duties in order to keep myself busy and studied far harder than I had ever done before.
Currently I am thirty three and I have been the priest of this Church for over 11 years, the poor old teacher of mine passed away not long after my father. I am far too young to be looking for an apprentice and all people in this town see me as perfectly able and capable in all duties and religious matters. So I am the only priest and religious advice in this town. To which I am greatly proud of myself but I am more proud of the people who offer me constant social questioning and their presence at every meeting, sermon and anything else that I choose to do.
That said, leaves me with only now to explain. I have been thinking about and considering my past for a very long time now. I see that I choose my religious duties from the upbringing my father gave me. So I never actually choose this way, it was given to me. From my father most definitely, from God I am sure too. But I do also get some form of pain from considering this. It seems to me like I reacted to my father, instinctively picking up what he did and said and thought to be right for me. But I honestly don't remember ever making that choice for myself. I understand that at that age questioning him would of been an extremely stupid and bad choice to make. I will admit that it is much easier just to go with what you have been told and feel to be right and correct, whether it is or not doesn't seem to bother many people. I will admit that questioning the truth of what I do, say, believe and am, scares me. I cannot even imagine doing otherwise, and at this point it would be far easier just to carry on the way I am. But I cannot help thinking that although this may be the right path and I feel it to be, maybe I should of questioned my father, because at least then whatever I do and would be right now, would be by my own choice. It seems that by going along with what I have been taught has absolved my from choice.
Chapter two – The questioning:
I have looked over and read what I wrote about before countless times. I can no longer sleep, I just stare at the page willing thoughts and words to be expressed out of me. I have been mulling these thoughts over and I think I have the words to express my thoughts on them, finally. For quite a while my thoughts just seemed to be mist inside my own head, ungraspable and inexpressible.
I have begun questioning myself constantly, questioning every single thought and word I let manifest itself. What I have been questioning most of all is the why and how I can follow such a thing from my past and stay to it? By why I mean why do I think such a thing is correct to follow? It is really just my upbringing? Is it really because I know it to be so and correct? I have no answer to all of these questions that I throw at myself like scorn filled spears. Why am I attempting to impale myself with this questioning? Even that I do not know. It would be a lie for me to say I know any of these things of which I speak of, and that, disturbs me so greatly. So much more so because I have never considered these things up until now. What a thoughtless drone I must have been. But it seems so odd to me to have these thoughts, even now.
The how of the question is yet more disturbing to me. How can I follow such a path when it takes my freedom away? I can see why as a child or even an immature man one could take up such an offer with glee. But I don't even remember the offer. It merely was the way it was, no alternatives. And a child with only one choice can obviously only make one choice. But now, as an adult, I feel a sense of remorse at not making that impossible second choice of freedom to choose my own choices.
This line of thought leads me onto something that has became so painful to me of late. Other people's questioning. My own is painful enough, but other people's just tears me apart. I am trusted to know what I speak of and advise. But the questions…I know the answer as much as they do, if not less. If only they questioned themselves and searched for the answers themselves rather than torturing me with their innocence and child-like trust in me. The problem to me, is that I already know the reply to when an old woman speaks about fearing death, when a young child is upset about their dying parent, when a young girl has just lost a friend.
I already know the replies, but they are not mine and I do not know if they are….Good advice…Or even advice at all. They are more comforting statements then anything else. This bothers me now more than ever because when somebody asks me such a complicated question, I instantly have a prepared reply rather then digging deep inside myself and finding a human answer with them and for them. To comfort them with my own experiences of life's pain and death's dread. To repeat some text seems….unthinking and dare I say…Dishonest as an emotional being who they are reaching out to. I think having the ability to recite a text and not actually dig into my own experiences has always comforted me, which seems egotistically absurd when I am here to help my fellow man deal with his Earthly problems and coil. Reciting a text gives you the feeling of an objective reply, which is not what they need. They need your subjective human experiences, they can trust that as it is purely emotional and human, which is exactly what someone needs when they are seeking another human to talk to.
Repeating written words no longer comforts me, I get the feeling I am a liar. That I am being dishonest. At least when I speak of my own experiences, I know them to be true. When I speak of texts, I myself question them. How can I sit advising someone about something that even I do not and can not know? The worst thing about it is seeing the humans reply "Of course" and smile back with acknowledgement and all the wild the children frown or cry or just do not understand my words. Is that due to the corrupted human condition being more acute in children? Or is that just due to adults being raised as I did and seeking childish comforts? Childish comforts that even children don't accept as truth.
Chapter three – The resolve:
I haven't wrote down my thoughts for quite a long time. Again I have just been thinking over and over what I have wrote before. People approach me as if I have some kind of divine link. As if my friend is God and I know and speak to him. I do not and cannot. I know God as much as the next man. But why do I have this position of power that demands respect when essentially I know as much as the pauper or the criminal when it comes to facts about God?
He does not speak to me or reveal himself to me. And since I have begun questioning this had done nothing but frustrate me into a state of melancholy. I have been unable to smile or answer people's questions. And they have noticed. They have put it down to a very delayed reaction to my father's death. But ironically maybe it is, but not my material father. It seems God is dying in me.
I have left the Church under a few people for a week in order to rest. They happily allowed me and filled my place, wishing me a nice week to return my health. There is nothing wrong with me or my body. I have decided that I would rather live in the uncomfortable position of replying 'I do not know' than to carry on giving assumption based platitudes. I have, for so many years been regurgitating texts, regurgitating my fathers words. My life is a regurgitation of his. These texts, thoughts, words, platitudes, morals, ways and lives are not my own.
I am not sure how but I want everything that I do and say to be my own. I want to live in the uncomfortable position of not knowing and admitting it. I want my life to be my own, not modelled or fashioned after anyone else's nor a continuous of someone's who is no longer able to live their own. I still have God, or at least I believe so. If he contacts me or reveals himself to me than so be it, I will not and cannot deny it then. I will not deny him now either, I just don't know and I will not ever say I do know until I do know exactly that. I have always kept a small amount of money behind as a reserve, I donated that to the local hospital and I plan on travelling to another town to seek work…or something. I do not know. All I know is that I do not know.
I do not denounce God but I denounce my faith. I see it as nothing but a hindrance to me coming to know anything, which includes God. I'm leaving this notebook here and I do not care for it anymore. Maybe someone will find it when they note my missing and see what I see. As for now and me, I am mine and so is my life. And I intend on cherishing and embracing it from now as mine, with each and every choice including this one, they will be made and informed by me, and no one else, and certainly not faith.


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Friends Meeting House
New York, NY | 2005
The quiet dignity of this landmarked 19th-century Quaker meetinghouse in Manhattan belies its busy schedule of worship services, school classes, events and theater productions. New lighting illuminates these wide-ranging activities while complementing the elegantly restrained period architecture and simplicity of Quaker values. Custom fixtures designed by Aurora Lampworks are made of the same period glass as the windows so that the view of the trees outside remains unimpeded. To orchestrate the subdued yet efficient lighting, the design focused on the Quaker virtues of "simplicity and frugality." The lighting system balances the different needs of the meetinghouse's many constituencies by prioritizing flexibility, ease of use and energy efficiency.


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Accessible Holiday Cottages
Your ideal holiday home may have to cater for a wide range of requirements from full wheelchair access or those who just feel a little less steady on their feet. Whatever the needs, the ability to seek out a cottage which ensures your holiday is hassle-free and comfortable is essential.
It may be that you just need a cottage or apartment which has a downstairs bedroom or bathroom or accommodation which offers a walk in shower, wet rooms or a property which is all on one level, with no stairs or trip hazards and where accessibility throughout is easy and hassle free. With this in mind we try and provide photos and descriptions which will make it easy for you to determine the suitability base don your own personal needs. It's easy to find what you're looking for by using the filters on the left - and if you need help then we're only a phone call away.


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Saturday afternoon and evening photos along with a Sunday album from Youmacon.
Tag Archives: Boderlands
Photos from Saturday morning and early afternoon at the Grand Rapids Comic Con.
Continue reading Grand Rapids Comic Con 2016 Saturday Part 1
The Grand Rapids Comic Con came once again. Here are photos from Friday. Enjoy.


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Shocking video has emerged of the moment a car and motorbike collided – while a girl 'danced' at the side of the road.
Although reports are unconfirmed, many people believe one or both of the drivers were 'distracted' by a girl twerking at the roadside, reports craveonline.
The incident is thought to have occurred somewhere in the Ukraine, although details are still sketchy at the moment.
In the video – which was originally posted to LiveLeak, a girl can be seen 'dancing' at the side of a road while her friend films.
A motorbike can then be heard approaching from the distance and as it gets closer the girl appears to move further towards the road.
At that moment a car suddenly comes into shot, slamming into the motorcyclist and sending debris flying across the street.
The camera is then lowered as a woman can be heard sobbing in the background before a glove and then the biker lying on his back by the side of the road come briefly into focus.
The biker reportedly left the scene and was taken to hospital, suffering a fractured pelvis and broken leg.
I'd say there's probably a number of lessons to be learned from this…