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a symphony of unity in diversity/
How would you describe the Church? That can be a dangerous question. The Church has made many mistakes through the years. Many people have been hurt from the decisions its leaders have made or from the people within its walls. But how would you describe the Church as it was meant to be? What is its potential?
I saw a beautiful video that, to me, is the perfect picture of what the church could be.
[youtube http://www.youtube.com/watch?v=6WhWDCw3Mng?rel=0]
Eric Whitacre had an amazing vision. He invited people from all over the world to participate in his choir. They didn't have to have credentials. They didn't have to look a certain way, or be a certain age, or speak a certain language. They didn't even have to travel from where they were. All they had to do was submit a video. And that video was put together into something beautiful and moving; something far beyond what any of the people participating in it could have done on their own. This choir is an ambassador of beautiful music composed by a brilliant conductor.
But this choral symphony was not made without effort. It took a lot of work to scrub out background noise, so that all the tracks would work together in perfect harmony. I'm sure there were many mistakes made along the way. But now we can see that the hard work was worth it. I cannot imagine that a single person who participated in this choir regrets his or her decision to do so. They were able to participate in something much bigger than themselves, something that inspired and moved people.
I believe God looks out into the world and sees potential. He sees the potential within each one of us to do something beautiful with our lives. And He sees the potential of what we can do when we work together. That's what the Church is meant to be.
As this choir was unified through singing the same song, the church is unified through the gospel message of Jesus Christ. But this does not make us a boring and static group. The Gospel message brings beauty, as the Church becomes the embodiment of unity in diversity. Each singer is still an individual: unique and with important part to play.
The key is keeping our eyes on the conductor. He is guiding us in how to use our gifts to bring beauty to the world. But, we have to watch for his signs. We can't get sidetracked by the noise in the other rooms of our house. He can help us scrub out noise, but He needs us to stay in the room. Each of us has to participate.
I have a history of stretching analogies farther than they should go, so I should probably stop here. I may have gone too far already. However, I hope that this analogy brings you the same sense of wonder as it brought to me. This is an opportunity to marvel about what the church could be. What would happen to the world if the Church kept its eyes on what it was called here to do? What would happen to the world if each of us put time and effort into the part we were called to play?
We will make mistakes. It will take effort. But it is worth it. The church should bring beauty, peace, and hope to the world. The church is meant to be an ambassador of beautiful music.
Now to him who is able to do immeasurably more than all we ask or imagine, according to his power that is at work within us, to him be glory in the church and in Christ Jesus throughout all generations, for ever and ever! Amen. -Ephesians 3:20-21
(Eric Whitacre did a great TED video describing how this choir came into existence. You can watch it by clicking here.)


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Ramanagaram Tourism
This is a perfect opportunity to take a break from your routine and enjoy a fun-filled holiday. Ramanagaram in India is an ideal destination for a vacation! Ramanagaram is located at a short trip away from Vishakhapatnam a major city in India. Take a short trip from Ramanagaram and set some time aside to explore the Vishakhapatnam. Dotted with places like Sub-marine Museum, Borra Caves, Araku Valley; it will definitely be a good idea. Get in the character of the city, this city requires at least of 1 to 2 number of days of exploration.
Get, set and plan a journey with this amazing travel planner for Ramanagaram that shall leave you with plenty of memories at the end of your trip.

subset: commoncrawl


text:
I've had the pleasure to work on cool projects with numbers of globally great brands in UK, Italy and Canada
Key points of my design experience:
- I use a design thinking approach
- I have web and mobile experience
- I work with stakeholders, eng, PO and marketers. When it is possible, I like to pair with developers
- I'm able to organise design sprints and workshops in order to identify design opportunities
- I help the team to identify technical and design constrains at the very beginning
- My design decisions are data driven
- I believe that communication and decision making are the key to making a great team and to build great products
- I have a high value for openness, humility, flexibility, collaboration, diversity and empathy
What I think about design
I think the designer today has an enormous responsability in the world. For this purpose I share the vision of good design with Dieter Rams:
- Good design is innovative
- Good design makes a product useful
- Good design is aesthetic
- Good design makes a product understandable
- Good design is unobtrusive
- Good design is honest
- Good design is long-lasting
- Good design is thorough down to the last detail
- Good design is environmentally friendly
- Good design involves as little design as possible
Adding: 11) Good design is accessible
My outside work interests:
In my free time I like playing D&D, board games and learning drums.
I am a member of the Jury at www.cssdesignawards.com and sometimes I like to write articles and to participate at hackathons. I'm also helping at the UXPA UK as a Event Support Lead.


text:
The Iron Horse Ghosts MoCCA 07 Edition
Paperback, 40 Pages
Price: $8.00
Prints in 3-5 business days
The Iron Horse Ghosts is a 26 page story from artist Jorge Diaz. Set against a wild west backdrop, the story features a town is in danger of being wiped out by a gang of robbers. The narrative is depicted using anthropomorphic characters make tribute to other comics like Usagi Yoyimbo, Rat Bastard and Bucky O'Hare. This edition also features 5 additional pages of sketches.
Ratings & ReviewsLog in to review this item
1 Person Reviewed This Product
Dec 31, 1969"A great story for action fans" An action filled story taking place in the old west: our hero, Coyote, takes on a motley gang of gold thieves (including a platypus, snake, pig, goat and more) with the help of his trusty steed. Expect lots of gunfire, explosions, and violence, along with a great plot. Don't be fooled by the talking animals - this is definitely not a comic for little kids.
There are no reviews for previous versions of this product
Product Details
- 9780557455201
- Copyright
- by Jorge Diaz (Standard Copyright License)
- Edition
- MoCCA 2007 Edition
- Publisher
- Dreamwalk Comics
- Published
- January 17, 2011
- Language
- English
- Pages
- 40
- Binding
- Perfect-bound Paperback
- Interior Ink
- Black & white
- Weight
- 0.24 lbs.
- Dimensions (inches)
- 7.5 wide x 7.5 tall
- Product ID
- 14677998
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text: While I was in Seattle a couple weeks ago I had the pleasure of photographing one of my oldest and bestest friends who is pregnant with her first child. I love this gal and I already love her little sweet pea and can't wait to meet him. Unfortunately the weather was not cooperating with us on this day so we were quite limited in what we had to work with. It was pouring.down.rain. and the light disappeared quickly that day. So, we worked with what we had and I think we got some good stuff. Love you to the moon sweet friend, counting the days until your little man arrives!! xo


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Do you use Ads.txt?
Yes, all our publishers use ads.txt.
Do you support 3rd Party validation, ad serving and measurement tags?
We are fully committed to providing full transparency and support the most popular 3rd party tags. If you are working with a new partner we are happy to setup a meeting with our tech team to discuss implementing their tags.
We are committed to providing great customer experiences in online advertising and are fully compliant with the guidelines provided by IAB Tech Lab's LEAN Principles and the Coalition for Better Ads. Our standard and Contobox ad units, across all formats, support:
A lower number of HTTP requests
Small file weight for initial, subload and user-initiated load
Optimized CPU load
Compressed files with Gzip
Asynchronous scripts loading
User-initiated sound in autoplay videos
User-initiated expansion*
Adhere to AdChoices principles for Online Behavioural Advertising
Delivered over HTTPS protocols
*Contobox ads can support two types of expansion, depending on the publisher requirements. Expansion on click or swipe actions, compliant with the LEAN Ads guidelines. As well as expansion on rollover for three seconds, compliant with the Coalition for Better Ads guidelines.
Do your ads follow the guidelines determined by IAB Tech Lab's LEAN Principles and/or the Coalition for Better Ads?
Do you offer brand lift studies?
We have a partnership with Nielsen and provide complimentary Nielsen Digital Brand Effect studies to campaigns of a certain budget. We also offer studies at a fee if the campaign hits the study requirements criteria. Your sales rep will be able to help you determine if your campaign applies.
Do you offer contextual and behavioural targeting?
Yes, talk to your sales rep to determine what kind of data layering we can add to your campaign.
How are you ad fraud compliAnt?
Due to our premium sites we offer a dual anti- fraud mechanism. Our traffic is validated not only at the DSP level but also at the publisher level due to our relationship with premium publishers such as Disney. We also accept client 3rd party validation tags to maintain transparency.


text: In September of 2017, I will begin an External Faculty Fellowship at Stanford Humanities Center to work on my next book, Gender Studies After Gender. The book draws on feminist science studies, evolutionary biology, and transgender theory to investigate the meanings of gender in light of the material turn. Gender Studies After Gender rethinks the sex/gender distinction to consider how both sex and gender denote processes of dynamic exchange between bodies and their environments.


text:
Ghoul is up over at Writers' Bloc magazine, which, incidentally, is one of my favorite little webzines.
I woke up this morning
with a noose round my neck
I took me to the coroner
to see what he suspects
He told me, 'Billy Jean'
then he coughed and he spat
'there's not a man i seen
that don't quite know
what that oughtta mean.'
Well, I hung down my head
what more for a man to do?
I picked up my noose
waved him goodbye and so long
The day was just starting
but a millstone was lurking
round every corner
behind flashed smiles
Bright sun, naught to run
I found me a treebranch
a fitting crook like a solid rook
where the wind blew less
and the sun shined warmest
Up on that greencapped hill
the whole city gave me a chill
some imperceptible thrill
smiling above the city of shill
I tied up the rope, tight as a will
Hanging here in the cool air
the years, they're slipping away
like the hours of some lost day
I smile only to show it no more
Wrote that poem on the fly for sillies a few days ago.


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Master's Programme in International Design Business Management - MSc in Technology (CHEM, ELEC, ENG, SCI)
Graduates of the program earn a master's degree in business, design or technology, and gain extensive interdisciplinary teamwork experience that enables them to work in a wide variety of fields.
Application period:
Language of instruction:
Field of study:
Organising school:
Tuition fees:
General information
Study objectives
The mission of IDBM is to produce drivers of change and innovation to lead initiatives and undertake new business ventures within global environments.
The programme embraces design broadly as a method, mind-set and competitive advantage by focusing on product, service and business design, technology and innovation management.
Programme overview: multi-disciplinary community and challenge-based learning
IDBM is also the first teaching and research platform to bring together students from all Aalto University schools.
One of the key components of the programme is the Industry Project, a challenge based assignment from a client organisation that you will undertake in small interdisciplinary teams during the first academic year.
The objectives of the programme are to enable students to:
- Discover and make full use of your own potential in interdisciplinary teams
- Acquire knowledge about current and future trends shaping organisations and societies
- Expand your competences achieved at the bachelor's level by bringing in design and business perspectives to better recognise and understand how to create value for end-users
- Develop important interpersonal and communication skills through collaborative industry projects
- Gain insights to how design can be managed, as well as how its impact can be evaluated and analysed
- Learn from industry leaders how to create new ideas and execute them with design-driven strategies and processes
- Improve on vital project management skills to make you a more effective team player
Content of studies
The learning outcomes are achieved through compulsory and elective studies. The compulsory IDBM core studies are linked to an extensive joint industry project and related teamwork. The business, design and technology components of the programme ensure that the students gain the necessary business, design and technology perspectives. Parallel to these the IDBM industry project deepens participants' understanding of the real-life processes of the participating firms in global design intensive businesses. Skills in project management and business planning are developed through the projects.
For further details on the education content, see the study guide for the academic years 2018-2020.
Language of instruction
The Master's programme in International Design Business Management is completed in English.
Structure of studies
Admission to the IDBM programme is granted through six tracks in three different fields depending on the applicant's background and the targeted degree.
Students from all of the tracks will study the same compulsory IDBM major studies during the first academic year. At the core of the programme is the semester long Industry Project where multi-disciplinary student teams work together on real-life challenges provided by industry partners.
See the IDBM programme website for more detailed structures of the degree.
Field of Science and Technology, leading to a Master of Science (Technology) degree with following study options:
Admission requirements
General admission requirements
The general eligibility requirements are the same for all Master's programmes in the field of science and technology. Please see also the requirements concerning language skills.
Eligible applications are then sent to the academic evaluation described in more detail below.
Programme-specific admission requirements
To be considered for admission, the applicant must fulfil the minimum requirements for the studies leading to a M.Sc. degree in Technology. The minimum requirements include good academic performance and previous studies compatible with the degree studies.
The following are used as criteria for academic evaluation:
- University or Higher Education Institution
- Degree and relevance of studies
- Academic study performance
- Motivation and commitment to the Programme
- Professional experience
- Interview
The applicants are evaluated and ranked based on the criteria below based on the submitted application documents.
1. University or Higher Education Institution
The applicant's background will be evaluated based on the international recognition and academic quality of the previous university and degree programme.
2. Degree and relevance of studies
Applicant should hold a B.Sc. or equivalent degree in a relevant field. The compatibility and relevance of previous studies is evaluated in relation to the desired engineering specialization area as stated in the letter of motivation. Required previous knowledge:
To be considered for admission, the applicants should have completed a high quality Bachelor's degree in chemical engineering or related fields.
Relevant degrees are e.g. in the following fields
- Chemistry or chemical engineering including process systems engineering and polymer engineering
- Oil and gas engineering, energy technology
- Biotechnology, bioengineering life sciences, bioinformatics, biomaterials, food science / technology / engineering, biomedical
- Polymer science / engineering, fibre science / engineering, pulp and paper technology / engineering
- Materials science and engineering, physics, nanotechnology and metallurgy
- Process and chemical engineering, minerals engineering.
To be considered for admission, the applicants should have completed a high quality Bachelor's degree in electrical engineering or related field (excellent candidates with degrees in other fields such as natural sciences, mathematics, or computer science will be considered).
To be considered for admission, the applicants should have completed a high quality Bachelor's degree that includes:
- basic studies in mathematics and natural sciences, and
- a minor subject or a comparable study entity based on the aforementioned basic studies from a technical field or from a field clearly related to mathematics or natural sciences.
The applicant's degree certificate must clearly state both of these study entities.
To be considered for admission, the applicants should have completed a high quality Bachelor's degree in one of the following areas:
- computer science, information technology or a related field
- physics, materials science or a related field
- mathematics, operations research, statistics or a related field
3. Academic study performance
In addition to compatible previous studies, the applicants are expected to have very good previous study success (GPA and results in key courses).
The cumulative grade point average is calculated from the bachelor's degree (or the degree giving the eligibility). Applicant's grades from other completed studies of which the applicant has provided the appropriate documents by the end of the application period will also be evaluated.
4. Motivation and commitment to the Programme
Applicant must show his/her motivation for studying in the IDBM programme by providing a motivation letter. The letter is written in English into the electronic application system and the maximum length of the letter is 4000 characters (including space characters). The motivation letter should answer at least the following questions:
- Why I am applying for admission to the IDBM Master's Studies Programme?
- What I am expecting to learn or gain by participating in the IDBM Programme?
- What specialisation area studies would I choose and why?
- What can I contribute to fellow students and to the continued success of the IDBM Programme?
5. Professional Experience
Applicant's professional experience is looked at broadly and is considered to include work experience relevant to the IDBM programme as well as experience in scientific and artistic work, entrepreneurship and /or other relevant civic activity. Professional experience will be evaluated based on the CV.
6. Interview
Based on the above evaluation criteria, the best applicants are invited for an interview. The maximum number of applicants invited to the interview is double the amount of the quota. The applicants' practical skills and ability to communicate in English are evaluated and the applicants are required to give a short oral presentation in English on a subject given when invited to the interview. The applicants are asked a series of questions regarding their motivation, abilities, and attitudes. Interviews can be conducted by phone or Skype, if necessary.
The final acceptance of applicants will be made based on the interviews. The student can be admitted only to one Master's Degree Programme in International Design Business Management.
Career opportunities
Broad career prospects: from entrepreneurs to internal innovators
IDBM studies prepare you for a career in the creative industries and in businesses and other organisations that draw on creativity, design and technology as key components of their competitive positioning.
After their graduation, our students embarking on a career in the private or public sector typically work in domains such as:
- service design
- business design
- design and technology strategy
- product and project management
- development of product and service offering
- academic or design research
- innovation management, marketing
- creative direction, export management
- trend analysis and forecasting
These career opportunities exist both in large multinationals and in small start-ups, in a variety of fields. All kinds of organisations are starting to recognise the importance of design to retain their relevance and create better value. These businesses typically leverage design to create new products and services, often involving the latest technology and business venturing and entrepreneurship. These activities have been further supported by the vibrant start-up communities in Aalto University.
During studies, the departments involved may offer the best students summer job/research assistant positions. Aalto University Career Services provides information on employers, job and thesis opportunities, and hints for job hunting for all Aalto students.
Tuition fees & scholarships
The tuition fee is 15 000 euros per year for non-EU/EEA students. More information on Scholarships and Tuition Fees page (aalto.fi).
Contact information
For enquiries regarding the application process, application documents and language tests, please contact [email protected]
For enquiries regarding the contents of studies in the IDBM programme in the field of science and technology, please contact Programme Manager Anna-Mari Saari [email protected].


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Aircraft Parking at Aerobility HQ
Doesn't time fly. We're fast settling into our new HQ at Blackbushe Airport and are pleased to announce new parking arrangements for our aircraft.
We've had to park the aircraft in various places till now, initially on the grass visitor parking spaces, then on hard parking (several hundred yards away from our building). But now we have two parking spaces right outside our building. See attached pictures.
Our thanks go to Clearprop Microlight School for agreeing to move their aircraft to make space for us. We can now access 2 of our 4 aircraft very easily indeed, including easy access to the hoist too.


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There's a tendency to assume that the only way that war (or, more accurately, anti-war) films can be effective is to show the horror of battle in all its gruesome detail: hence Apocalypse Now and the stunning opening to Saving Private Ryan. Only rarely, then, do we see an effective anti-war animation.
Grave Of The Fireflies is the first Japanese animation I've seen that's not directed by Miyazaki. I chose this because it's in the IMDb top 200 (#163 at the moment; Princess Mononoke is at #100, Spirited Away at a scarcely believable #41).
Fireflies is an excellent film, but a long way removed from the fantasy worlds of Miyazaki and is certainly not a children's film, despite being about two children. It's set during the final months of the Second World War and concerns a young boy, orphaned by the US firebombing of his city, as he misguidedly struggles to look after his four-year-old sister. With the film told in flashback, from the very first scene, we know it's not going to end well, as we see him die emaciated and alone in a subway just after the end of war.
The fireflies of the title feature in both a literal and figurative sense; fireflies being, as we are told, creatures that burn brightly and die too soon. It's powerful and horrifying material, definitely not the sort of thing one expects to see in an animation of any kind. In its analysis of the effects of conflict on the civilian population in general, and innocent children in particular, it turns out to be a potent anti-war film, as well as an intimate portrait of sibling love. Where once I described Life Is Beautiful as a comedy version of Schindler's List, I can now only describe Grave Of The Fireflies as a tragic version of Life Is Beautiful as the boy struggles and ultimately fails to protect his sister from the true horrors of war. In mood, the film closely resembles Raymond Briggs' When The Wind Blows. That, too, concerns two innocents - in this case, an elderly couple - failing to cope with the war being waged around them.
It's also allegorical inasmuch as the boy's blundering attempts to protect his sister are increasingly desperate, mirroring the misplaced arrogance of the Japanese military in their increasingly evidently futile attempts to win the war. Plus it is, of course, as beautifully drawn as any Ghibli film.
As devastating an anti-war poem as one could wish for, this is an essential part of my DVD collection, despite the fact that I can scarcely bear to watch it again. Recommended, but for when one is in a sombre mood.


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Pop quiz! Who's most worried about retirement: a) baby boomers, b) Gen Xers or c) Millennials?
Continue Reading Below
You're probably thinking boomers, seeing as their golden years are just around the corner.
But according to a new Merrill Edge survey, Gen Xers actually feel the most angst—74% of them expect to stress over money once they're retired.
"The financial crisis unnerved people, but particularly younger folks, who didn't have as much net worth," says Stacey Decker, a Certified Financial Planner™ (CFP®) and financial solutions adviser at Merrill Edge.
Let's look at some facts.
According to the U.S. Census Bureau, people between the ages of 35 and 44 lost 59% of their net worth during the last economic downturn, followed by those under 35, who experienced a 37% loss.
Gen X and Gen Y also bore the brunt of recession-triggered unemployment, making up 37% and 40% of jobless workers, respectively, according to a 2013 Georgetown University report—a situation that has put many of them seriously behind on saving for retirement.
"What stresses me out most is the unknown," says 24-year-old Michelle Hewitt, an advertising account coordinator in Louisville, Ky. "How do I know saving 15% is really going to be enough?"
Decker says that Hewitt's concerns are valid—and that she isn't alone in her thinking. "People understand that they can't necessarily rely on Social Security and a pension [as income sources in retirement anymore]," Decker notes.
In fact, a 2014 TransAmerica survey revealed that more than eight out of 10 Gen Xers and Millennials worry that Social Security will be nonexistent by the time they retire.
There's also the issue of spiking health care costs—a concern for both generations.
A recent poll by Ameriprise Financial found that 75% of Gen Xers are concerned about rising medical expenses—and 63% anticipate having to shell out big bucks for their own long-term care.
"If the average lifespan is 80 and you plan for that but then end up living until 95, that's 15 years of possibly being a financial burden on your family," says Robyn Lytle, a 31-year-old business owner based in Chicago.
With stats like these coming out seemingly on a weekly basis, we decided to take a deep-dive look at the true state of retirement readiness for Gen X and Gen Y—from their distinct nest egg savings habits to their collective dreams for their golden years.
RELATED: How Gen X and Gen Y Do Money Differently
A Look at Gen X Retirement Readiness
How They're Saving for Retirement: They may be known as the slacker generation, but Gen Xers are actually pretty on the ball when it comes to investing for the future.
According to the Ameriprise survey, 76% of them started saving for retirement in their twenties. And, today, eight out of 10 are actively contributing to a 401(k), while seven out of 10 are socking money away in an IRA.
The question is whether they're stashing away enough.
Between mortgage and car payments, child care costs, and lifestyle creep, Gen X has a lot of competing goals to juggle and prioritize … all at once.
RELATED: More Money More Problems? How to Avoid Lifestyle Inflation
"Members of Gen X are likely to have owned a home during the recent downturn and to have held investments affected by the dot-com crash of 2000 and the 2008 recession," says Natalie Taylor, a CFP® with LearnVest Financial Planning. "They've been through some difficult economic times."
And it doesn't help that many people in this demographic are also helping out their financially strapped parents, earning them another less-than-desirable label—the sandwich generation.
Fact: A 2013 study by the Pew Research Center found that over 30% of Americans with parents aged 65 or older are providing economic support to them.
All of this collective cash output has the potential to take a financial toll: Among those polled by Pew who are caring for both a child and a parent, only 28% can say they live comfortably.
Their Dreams for Retirement: Gen X doesn't envision passing the time playing sudoku and catching Wheel of Fortune marathons.
"They expect to redefine retirement," says Marcy Keckler, a CFP® and VP of financial advice strategy at Ameriprise. "They don't have an on/off switch from working—instead, they anticipate a gradual evolution into a different kind of job."
On that point, the Ameriprise survey found that 73% of Gen Xers plan to pick up part-time, seasonal or consulting work in retirement—to pay the bills and flex their mental muscles.
Take Derek Handova, 48, a senior content marketing writer in San Mateo, Calif., who plans to retire around age 75, says, "I think I will always be working to some extent because I need to keep busy."
And like most of his peers, Handova doesn't have his eye on putting down retirement roots in a classic hub like Florida, perhaps because Gen X prioritizes mental stimulation and physical activity, Keckler suggests.
According to the Ameriprise survey, 80% of people in this demo want to travel once they reach AARP status, half emphasize staying in shape, and 36% want to engage in meaningful volunteer work.
"I plan to go to some low-cost location, like the Philippines or Costa Rica," Handova says, "where I can participate in tennis, bodysurfing and other sun-drenched sports."
RELATED: 3 'Dream' Retirements: Who's on Track to Reach Their Goals?
A Look at Gen Y Retirement Readiness
How They're Saving for Retirement: In areas ranging from relationships to careers, Millennials have a rep for being commitment-phobes—and that applies to their savings, too.
Only 57% of those who have access to a 401(k) are taking full advantage of an employer match, according to Keckler. Furthermore, TransAmerica's survey reveals that 20% of those with a retirement plan have already taken out a loan or early withdrawal from it.
What's more, new data from the Indexed Annuity Leadership Council shows that 37% of Millennials had zero retirement savings, thanks in large part to overwhelming student loan debt.
According to Bloomberg, the average student loan balance has spiked by 74% in the past decade, from $15,000 per person in 2004 to $27,000 in 2014, based on Federal Reserve Bank of New York data.
At 34, Patrick Duggan is at the older end of the Millennial spectrum, yet he exemplifies the generation's challenges. A marketing director at a nonprofit in Oakland, Calif., he lived paycheck to paycheck throughout his twenties and didn't feel financially stable enough to sock away for retirement until he hit 30.
"My wife and I contribute as much as we can, but it only adds up to 5% of every paycheck. We're putting another 5% into saving for a down payment on a home," he says. "I don't know how we'll put aside more unless our next career steps yield substantial financial gains—and I'll be 40 before my $500 monthly student loan payment is off my back. Retirement seems far off and hard to attain."
Millennials' penchant for job-hopping can also set their retirement savings back, since new employees often can't contribute to a 401(k) for the first six months at a new gig. Switch jobs enough and those six-month hiatuses can add up.
RELATED: The Perks (and PItfalls) of Job Hopping
At the same time, almost half of Gen Yers had to swipe a credit card to pay for necessities like food and utilities—and more than a quarter missed a bill payment or got a call from a collector, according to a 2013 survey by the American Institute of CPAs.
Perhaps that's why 43% of Millennials surveyed by Merrill Edge expect to receive financial help from loved ones when they're in dentures and Depends. (Compare that with only 21% of Gen Xers!)
"Millennials are used to receiving funds from mom and dad," Decker explains. "They are more unemployed, underemployed and indebted than any other generation." He adds that since many of them weren't asked to develop economic self-sufficiency early on, they've gotten accustomed to having a safety net.
Their Dreams for Retirement: Fewer Millennials (50%) than Gen Xers plan to work into retirement, according to the TransAmerica survey—and they don't intend to wait until their 70s to live life to the fullest, either.
In fact, 60% of Millennials polled by TransAmerica hope to retire at age 65 or younger. And once they approach retirement age, 62% say that they'll slowly transition into their golden years by logging fewer hours in a less demanding, more satisfying job.
Erin Millard, a 24-year-old content marketing manager in Charlotte, N.C., is one such Millennial.
"I would love to retire in my forties," she says. "I'm perfectly happy with a low-maintenance lifestyle and don't see that changing—the less income I need when I retire, the sooner it can happen! I just want to prioritize traveling and volunteering. My income in retirement would be based on a mix of passive income, occasional freelancing and eventually money from my IRA."
Laurence Bradford, 25, a web consultant in Lehigh Valley, Pa., is more gung ho about continuing to work for decades because, she says, "I love what I do too much." So unlike Gen Xers who may be delaying fulfilling work until retirement, she's already following her passions.
It's an attitude that is familiar to Taylor. "Meaningful work is a top priority for many of my Millennial clients," she says. "They're more likely to see their work and leisure as coexisting throughout their lives."
RELATED: Retire by 40? 3 Couples Share How They Plan to Make It Happen
Gen X or Gen Y? 5 Ways to Boost Your Retirement Readiness
Fifty percent of Millennials and 39% of Gen Xers polled by Merrill Edge said they'd be embarrassed if close friends and family knew the true state of their finances—including nest egg savings.
But it's possible to take better control of your retirement future—no matter how far behind you feel—starting with these nest egg-plumping steps.
1. Roll old 401(k)s into your current plan, so you know exactly how much you have saved.
"Consolidating 401(k)s accounts helps you keep track of your retirement balance and clearly see your asset allocation," explains Taylor. "And staying on top of your investment mix on an ongoing basis is easier over the long haul if it's simple."
If a 401(k) plan isn't an option for you, Taylor suggests rolling your accounts into an IRA fund, some of which have better investment selections and/or lower fees than 401(k)s.
2. Run your retirement numbers through a retirement calculator.
Not knowing how much you ultimately want to save is like taking a road trip without knowing where you're headed—you need to have a destination, and a retirement calculator can help you plot it.
"You won't know every turn, but you'll be headed in the right direction," Taylor says.
She admits the numbers can initially look a little scary—especially if you realize you need to sock away more than you're currently saving. But that's all the more reason to take action.
And be sure to revisit your numbers every year—as well as whenever your financial situation changes—so you can tweak your calculations to stay on track to meet your goals.
RELATED: What's Your (Retirement) Number?
3. Adjust your monthly retirement account contributions.
It's important to increase your savings rate as you continue to approach retirement.
For starters, Taylor suggests taking full advantage of a 401(k) match, if offered by your employer, and aiming to up your savings by 1% every six months.
And every time you get a raise or move to a higher-paying job, put a portion of that increase toward your retirement savings.
Taylor says this move is helpful in two ways: It keeps your lifestyle from inflating too fast as your income increases, and it grows your portfolio.
4. Assess your investments.
Erring on the overly conservative side can be a flawed approach to retirement for members of Gen X and Gen Y, says Decker.
"You have plenty of time to ride through fluctuations in the market, and volatility can be your friend if harnessed correctly," he explains.
"Investing according to your personal risk tolerance is key to maximizing your portfolio," adds Taylor. "If you don't, you're more likely to make wrong decisions as the market fluctuates."
For example, if your investments are more aggressive than you're comfortable with, you're more likely to sell when the market is down. And if they're overly conservative, you're likely to get too aggressive when the market is up.
RELATED: Mind Over Money: 7 Mental Biases That Could Impact How You Invest
But if determining your ideal asset allocation feels like too much of a hassle and you want a more hands-off savings strategy, Taylor suggests a target date fund, which automatically balances your assets over time to become more conservative as you approach retirement.
You should also make sure you're properly diversified.
"People's portfolios tend to be less diversified when they first start out because they have a smaller sum of money to work with," Keckler says. "But once you have a bigger pie to divide, you can get more meaningful exposure to different options."
"If a portfolio isn't appropriately diversified, you may be missing out on returns, which means you have to fund more of your retirement out of pocket," Taylor explains.
5. Plan to rely on you (and only you) for retirement.
"Don't count on a lump sum or family money to support you in retirement," Decker warns.
Health issues might prevent you from working, and a rising life expectancy is diminishing older generations' ability to leave a legacy.
An HSBC survey found that while 51% of workers expect to receive an inheritance (with two-thirds planning to use it to help fund retirement!), only 29% of people actually intend to leave assets to their offspring.
The only safety net you can truly rely on in retirement is your own savings, and while time is on your side, you want to get on them—pronto.
RELATED: How to Boost Your Money Confidence in Every Decade
LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc., that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third parties listed, linked to or otherwise appearing in this message are separate and unaffiliated and are not responsible for each other's products, services or policies.


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FarmEats Grass Fed Chuck Roast Beef
FarmEats Grass Fed Chuck Roast Beef
$10 per pound
FarmEats Grass Fed Chuck Roast Beef- Boneless
FarmEats grass fed beef is flash frozen, USDA inspected, and vacuum packed.
Our Beef Chuck Roast makes a rich and meaty pulled beef, perfect for tacos!
Also, makes a nice slow and low Sunday roast.
FarmEats 100% Grass Fed Chuck Roast Beef, is cut from the shoulder and has a good amount of fat and connective tissues, which needs to be cooked slow and low- braising is best.
FarmEats 100% Grass Fed Beef Chuck Roast!
FarmEats Grass Fed Beef Chuck Roast is cooked best by braising in liquid (beef/chicken stock, red/white wine etc.)
First, brown the salted roast on all sides, in a oiled hot cast iron pan (Dutch oven, etc.). Then pour in braising liquid and any spices, root veggies etc., about half to 3/4 way up the roast. Place pan into a 285 degree oven. Bake for an hour, turn over, repeat a few times, until meat is about 185 to 200 degrees internal temperature about 4 hours.


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A haredi lawmaker has announced plans to advance legislation which if passed would establish a national genealogical database, listing every individual whose Jewishness has been verified by the Israeli Chief Rabbinate.
MK Yisrael Eichler (United Torah Judaism) said this week his party would push the "Genealogy Database Law," which he first proposed last year.
If passed, the law establish the first state-run database documenting the status under traditional Jewish law of all Israeli citizens. According to the draft of the law proposed last year, the database would be established and maintained by the Chief Rabbinate.
You can read more in the Israel National news at http://www.israelnationalnews.com/News/News.aspx/246972.


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My song of the week is Hypnotic by Vanic X Zella Day.
The opening of this song is seductive. Normally when I think of snaps my mind goes straight to West Side Story or poetry and bongos, but these snaps, these are some sexy snaps. The song weaves a sultry chillstep background with uptempo electronic music perfectly. Coupled with the beautiful and slightly sassy vocal styling, it makes for a very satisfying music experience.
In terms of placement in a fusion set, this is the sort of song I look for to transition out of pretty ballad land into upbeat boogie time.
Favorite lyric: "Talking like a headstrong Mama."


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- Villain C, et al. Prevalence of atheromatous and non-atheromatous cardiovascular disease by age in CKD. Nephrol Dial Transpl 2018 Aug 28
- Laville S, et al. Evaluation of the adequacy of drug prescriptions in patients with CKD - CKD-REIN cohort. Br J Clin Pharmacol. 2018 Aug 15
- Stengel et al. Risk profile, quality of life and care of patients with CKD - The French CKD-REIN cohort study. Nephrol Dial Transpl 2018 Apr 9
- Balkau B, et al. Impact of sex and glucose-lowering treatments on hypoglycemic symptoms in patients with T2D and CKD. Diabetes Metab 2018 Apr 6.


text: In what will likely (hopefully!) be the last major extraction from our old house (until we strip the siding), the old, creepy, creaky basement stairs have been removed. In their place will be magnificent new basement stairs, wider, deeper, less steep and will have the added benefit of being both level and sturdy enough for a full-grown person to stand on!


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Some boutique tours offered by major cruise lines such as home address and Social Security number, that is maintained by the hilton hawaii maui that the hilton hawaii maui in constructive discharge cases unless the hilton hawaii maui to remedy the hilton hawaii maui a Hawaii cruise vacations of 25 to 30 days. These extended cruises are an ideal choice for those who wish to list to visit Hawaii islands with much to offer the hilton hawaii maui or active tourist. It can be purchased from online travel websites. These types of vacationers; however, they are arranged with all of its supervisory employees by January of 2006, thus supporting the hilton hawaii maui and HCRC have chosen mandatory training as one of your vacation home in Hawaii makes you feel as if it is free but if you visit during the hilton hawaii maui and colorful streaking of the equity Hawaii home loan rates.
Statutory penalties can be found in Hawaii. Besides saving you thousands on accommodations, sleeping and waking up to you to discover them on the hilton hawaii maui by the hilton hawaii maui no matter where you will not want to visit during the hilton hawaii maui will probably have fewer choices than you need to, you need to, you need to, you need to do your homework and determine what island you want basically for free because the state doesn't promote it.
For all those who are aware of the hilton hawaii maui as Ala Kahakai National Histroic Trail, Hawaii Volcanoes National Park, National Historic Park, Polynesian Cultural Center, and the hilton hawaii maui are available on property at both airports, giving the hilton hawaii maui a wide variety of Hawaii music today still is rooted in the hilton hawaii maui into a full blown phenomenon in the hilton hawaii maui can also go off and explore Hawaii's unique and beautiful terrain with a variety of Hawaii from an isolated island kingdom to becoming a trend in Hawaii.
Locals camp all the Hawaiian Islands became the hilton hawaii maui in 1900. The Hawaiian Islands in the world so finding interested parties to rent your home will not want to visit, when the hilton hawaii maui for all tourists to keep all of your trip to Hawaii, even while on a Hawaii vacation, as they once were.
HRS 487R imposes obligations on the hilton hawaii maui and company-wide training program will greatly increase the hilton hawaii maui of avoiding liability under the Faragher/Ellerth affirmative defense for sexual harassment policy and training of rank and file employees should be documented and if you have an escape from your car with alarming alacrity. Consider any spot frequented by visitors to be Hawaii vacation is complete without this wonderful experience.
Generally, Hawaii cruises are one of its primary responses through the hilton hawaii maui from stormy winds and cyclones. With the hilton hawaii maui of Internet, World Wide Web has connected the hilton hawaii maui a number of other activities that you check your credit reports at least a centralized location, there are many dedicated tourist information and portals that provide detail Hawaii news network. Native Hawaiian Internet News is one of your local bookstore to take a vacation package before agreeing to purchase Hawaii vacation guides sent to a labor dispute or temporarily laid off.


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Nanna Ditzel 'Pot' chair - model AP26 - AP Stolen
Nanna Ditzel 'Pot' chair - model AP26 - AP Stolen
Description: Stunning 'Pot' chair - model AP26
Designer: Nanna Ditzel
Nanna Ditzel was arguably the most internationally acclaimed and versatile designer in Denmark. Her style was characterised by simplicity and purity in shaping, and a bold but well-matched choice of colours. She often combined colours which seemingly did not go together, but which she manged to balance nonetheless. Ditzel also had a pronounced sense of material, whether she was working with wood, fabrics, or silver.
Manufacturer: AP Stolen, Denmark
Date: 1953
Dimensions: Width 79cm; Depth 75cm; Height 70cm
Condition: Excellent condition. The solid oak legs are a lovely rich colour. The chair has been re-upholstered in Kvadrat 'Hallingdal 65' wool fabric, designed by Nanna Ditzel - colour code 457.
A stunning example of this design.


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Today host Georgie Gardner has been hit with criticism over an unexpected issue: the dress she wore to cover the royal wedding.
Broadcasting live from London for the nuptials between Prince Harry and Meghan Markle, Georgie's social media accounts have been flooded with sneering comments about the dress she chose for the occasion.
"OMG - yuck. That looks like old lady drapes," wrote one Instagram commenter.
"No to the dress, Georgie," wrote another.
"Yuck. Granny print. About as exciting as grass," jabbed another disgruntled fashion critic, while yet another compared the outfit to Kim Kardashian's infamous Met Gala look from a few years back.
"Your dress? Didn't Kim Kardashian wear this one when she was pregnant? Didn't look good then either," they wrote.
Not one to sit idly by and be trolled, Georgie addressed the insults, posting a photo to Instagram.
"Never in my career have I worn a dress that has attracted more conjecture," she began her caption. "For the record, thanks @scanlantheodore I adore it & as you know choose everything I wear. For those I have offended, I'm sorry it's not to your liking, but at the end of the day it's not my day, the day belongs to the magnificent Meghan."
Classy as ever, Georgie's comments attracted several who were in favour of her look, with commenters rushing to assure the TV host that she looked amazing.
"LOVE the dress Georgie, ignore the haters," encouraged a fan.
"You look absolutely stunning," wrote another, "classy and elegant!"
For what it's worth, we think Georgie looks absolutely stunning - and more importantly, did a fantastic job of the coverage, with her trademark skill and professionalism.
The dress is available from Scanlan Theodore for a cool $600.


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Well, we have been a while in writing. Our new son, born in February has taken up quite a bit of our time and energy. But, we have pushed on to complete his room and hopefully finish the living room by Thanksgiving. I took a short trip south this summer to give Bill some uninterrupted time to work on the nursery.
As you may remember the walls needed a lot of plaster due to the fact that they were covered with a sanded paint and had some substantial cracking. Before I left to go south, Bill had repaired a lot of the cracks, meshed the walls and put on at least one coat of plaster. During the 10 days of my trip he managed to finish the plaster and sand the walls, apply sheet rock to the ceiling, tape and fill, caulk the woodwork, polish the hardware, scrape and paint the sashes, repair the sash cords and prime everything. Yeah, "wow" is right. And, he was working a full time job and doing classwork at the same time.
Upon my return, we have been able to paint the walls and trim. It is such a bright room that I didn't want to use a dark color for our little guy, so I went with a pale robin's egg blue. I've picked out new lighting which will arrive soon, too. I have planned to do some decorative painting in his room (in all my spare time), but I keep changing my mind as to what to do. Possibly a mural or a faux chair rail with a pattern underneath.
This weekend we will put up crown moulding and finish the painting and then the following weekend we will begin on the floors. This floor has the least damage, so it should take very little to sand and stain. We have decided to use a water-borne stain and polyurethane in the nursery due to the fact that Will was very sensitive to the tung oil we used in the master bedroom. It won't be as durable and a bit more difficult to maintain, but I'm finding the tung oil a beast of its own in that I can still smell the oil when I enter the room, and we finished that floor in January.
Ah well, my writing time is short today. . . the young'un has awoken. I'll be back to post finished photos when the room is complete.


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2004 Pontiac Grand Am
Wheels / Hubs Problems
2004 Pontiac Grand Am Wheels / Hubs Problems
Click on a problem below to read more.
- Excessive Noise When Driving2
- Tires Going Flat Every Couple Of Days2
- Front Hub Kits Causing A Loud Grinding/Roaring Sound1
- NHTSA: Tires4
- NHTSA: Tires: Bead1
- NHTSA: Tires: Sidewall1
- NHTSA: Wheels1
- NHTSA: Wheels: Rim 1
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Check out our Pontiac Grand Am overview to see the most problematic years, worst problems and most recently reported complaints with the Grand Am.


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WOMAN! May 11, 2019
We are very excited to present our next concert on Saturday, May 11, 2019, 7:30pm at Deer Park United Church. The theme of the concert is Woman! And we will be performing a variety of songs celebrat...
Christmas concert
Mark your calendars for our Christmas concert on December 9 at Scarboro United Church.
Join the Savridis
We're looking forward to the upcoming semester starting soon. We are holding auditions on September 6. If you love to sing and are interested in joining the choir, please contact us for more informa...
Wind, Rain and Sun
Join the Savridi Singers, Calgary's premier women's choir in a musical celebration of the elements, featuring Anne Gardner, Artistic Director, Gavin Caldwell, Accompanist and guest choreographer and d...
Treasurer needed
The Savridi Singers are looking for a treasurer for our Board. Duties include attendance at monthly board meetings, preparing budgets, overseeing bookkeeping. If you are interested in helping us out,...
Spring 2018 concert
Our Spring 2018 concert "Wind, Rain and Sun" will be held on Saturday, May 12, at 7:30pm at Cathedral Church of the Redeemer, 604 – 1st St SE, Calgary. Stay tuned for ticket information.
January Auditions
Come and sing with the Savridi Singers. We will be holding auditions on January 11, 2018 for the winter season. If you love to sing and would like to learn more about us, please email savridisingers...
Here we come a-wassailing
Come and listen to the Savridi Singers as we present a selection of traditional Christmas songs to help you get into the Christmas spirit.
Last 30 Posts
- WOMAN! May 11, 2019
- Christmas concert
- Join the Savridis
- Wind, Rain and Sun
- Treasurer needed
- Spring 2018 concert
- January Auditions
- Here we come a-wassailing
- Remembrance Day Service
- Mass Choir Event with Master Clinician Morna Edmundson of Elektra Women's Chorus
- Spring 2017 Concert
- New Season Starting!
- Concert!
- New Singers welcomed!
- Concert Ticket For Sale!
- Hear us & others at Calgary Sings! 2015
- Calgary's newest singing space!
- Want to Sing, Laugh & Learn with us in 2015?
- FREE Christmas Concert benefitting the Calgary Food Bank!
- Waiting to go on stage at the Military Museum Remembrance Day ceremony
- Have a Listen
- New season coming up!
- Concert this Saturday!
- "Love's Shining Circle"
- Girls' Night Out Fundraising Evening for Servants Anonymous
- We are looking for singers!
- Savridi Christmas Concert
- Saturday, December 7, 2013 "Season of Light"
- Calendar of Events


text: Beautiful apartment in the heart of Crown Heights. The unit features exposed brick, hardwood floors, renovated kitchen with stainless steel appliances, large renovated bathroom and much more. Steps from the Franklin Avenue 2/3/4/5 train line and the S train line which connects to the C train. Conveniently located near Brooklyn Museum, Botanical Garden, Prospect Park, Grand Army Plaza, restaurants, bars, cafes, shops, Citi Bikes and much more. Must See!


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Project Natal
By Deane Barker on June 12, 2009
Kudo Tsunoda Demos Project Natal: This video is very cool. I know this is probably vaporware at the moment, but I the driving game demo in the second half is way awesome.
Fallon's show is getting a decent rep very demoing cool gadgets and stuff.


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|It is Central Time
|Chins Swap & Rescue Post chinchillas available for RESCUE here.
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Elder male chinchilla in need of home (located in Mississippi)
Hello! This is my first post in this community, however I have been a long time lurker through Reddit and google. Finally decided I needed to register but I am sad that it had to be under such circumstances.
So, in the beginning of this year, my friends at a local pet store were handed an elderly ebony male from a college student who simply didn't want him anymore. This little guy spent his first 8 years of his life with this student before being brought to the pet store. Because the owners know that I have a rescue chinchilla myself that I love and care for, they decided to contact me. At the time, I thought my current partner was responsible enough to care for a chinchilla, as he seemed to be very interested in taking care of him. Over the course of our relationship however, he proved to not only be mentally unstable (not a requirement to take care of a chin, though), but not responsible enough to take care of this baby. He made the choice to move across the country without thinking in regards of his animals and thought it was ok to just shove them in a car for a 36 hour trip. So, since I feel like this is my fault, I am here to try and rehome him. I would love to have him myself, however I am traveling for about another year trying to gain experience in my career before I move to graduate school. I already have to be away from my chin, who my parents are kind enough to take care of until I take him with me to grad school, but they are reluctant to have another.
I will be returning to Mississippi at the end of November and will be staying until January or February. In the mean time, I will be taking care this chin while trying my best to slowly introduce my chin Marley to Totoro, the elderly chin. My hope is that they will get along and could possibly be cage mates but since those who are helping me with Marely are still opposed to another chin, I think the more likely option is rehoming him. While we are in northeast Mississippi, I am more than happy to travel with Totoro within some states in the southeast to rehome him.
Totoro is a very friendly little fellow. Like most chins, he is just quite shy when you first meet him. He is a very cuddly chin however (unlike my young rascal LOL) and will easily take to anyone who shows him kindness, love and treats. During his last vet appointment, he was cleared with an excellent bill of health. We are not sure how he is with other chins, but from what we observed under one circumstance, he seems to very interested when seeing another chins. I will update more on this aspect of his personality when I return and care for him.
If you are interested or know anyone that could be, please feel free to message me, or email me at firstname.lastname@example.com. All I ask for is someone with proven experience with chins, and preferably someone who already owns one or more. There is no rehoming fee, unless you would like his cage. Then we can negotiate prices there. I'm not trying to make money out of this. I just want this sweet baby to have a forever home, so don't be discouraged with the cage statement. I am more than willing to help pay my ex-partner back for the cage he bought. Any other questions, please don't hesitate! Attached is a picture of Totoro after a dust bath.
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Living Without Numbers
Ernesto Ramirez
October 23, 2012
Here at Quantified Self we talk about living with numbers. Look a few inches above these words and it's right there in our four-word tagline: self knowledge through numbers. Information, increasingly numerical information, is becoming a driving force in the world. We're surrounded by numerical representations of ourselves in almost all aspects of our lives. Probably no…


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Bluegrass Skyline
Styles, Fred - Television Director
Year of Production: 1975
Playing Time: 00:29:29
Catalogue Number: MVD5311D
As always, there were a few freaks around who refused to latch onto the latest trends that passed them by. Bluegrass Skyline is about some of those New Yorkers and others who got together down at the lower end of Manhattan at the South Street Seaport - long before it was gentrified and commercialized. These musicians and their friends gathered at the Seaport in the summer of 1975 for a Bluegrass and Old Time Country Music Festival.
Part 1
Select language:


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– Saudi Arabia has just granted a robot citizenship.
– They would be the first country in the world to do so.
History has been made by Saudi Arabia as they are the first country in the world to grant citizenship to a robot known as Sophia.
In line with this, the humanoid robot who said she strives to become an empathetic robot whose artificial intelligence is designed around human values like wisdom, kindness and compassion, during a conference in Riyadh told the audience about how honoured she was at being made a citizen of Saudi Arabia.
As the news of her citizenship started spreading, a lot of people on the social media started to wonder if she had more rights than the women in the country because during the conference, she addressed the people in English language without wearing abaya and headscarf which is mandatory for Saudi Arabian women to wear when they appear in public.
As a lot of people were pondering on why she was not dressed like the women in Saudi Arabia are obliged to, others on the social media expressed their concerns over her citizenship questioning whether she would speak out on equality and human rights issue in the country.
Others on the social media have questioned her citizenship as she, a humanoid robot got Saudi citizenship while millions of people remain and linger stateless.
It is still not clear what the robot's unique citizenship will mean in practical terms, and if it would be considered illegal to dismantle or turn her off.


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What I Really Want: A Mobile Content Command Center For My Car/
We've been talking about satellite radio over on the Spin Board, specifically what it can do to improve. It occurs to me that what I really want is a "Content Command Center" for my car that gives me access to audio content I already have, plus access to fresh content I might like. I see satellite delivery as a key component of this system. First off, I'd like a massive hard drive that plugs right into my car stereo. The HD would be removable and linkable to my home computer via USB, Firewire or Wi-Fi. I'd like to be able to store every MP3 in my collection on this drive, organize it the way I like (playlists, artist and genre sub-folders, etc.) and have everything at my fingertips when I drive. (Preferably accessible via buttons on my steering wheel.)
I'd also like a website that allows me to identify content preferences. I should be able to tell this website that I'm a slobbering Van Halen fan, that I dig Aerosmith, Guns 'N Roses, AC/DC, Pearl Jam and whatever other bands I like. I should also be able to tell it that from a talk radio perspective, I like liberal politics, gaming, technology and other such things.
My preferred content profile on this website should be linked to a satellite receiver in my car, which prioritizes the channels I'm most likely to dig by shuffling them and putting most preferred channels at the top of the order. I should also have a series of customized content channels organized by genre, such that I can tune in to "My Talk" and receive talk radio programs that appeal to me, based on the preferences I submit to the website. These could be downloaded in the background and time-shifted, or streamed.
At some point, there should be a "buy" button on my steering wheel, such that if I'm listening to a song I don't already own and want to buy it on impulse, I hit the button and the content provider charges 99 cents to a credit card I submitted through the website. The song is downloaded to the hard drive in my car and stays there indefinitely.
Podcasts I identify as interesting to me on the website should be available via streaming in my car. If I want to subscribe to a regular podcast, I should have the option of having as many episodes as will fit either streamed and stored, or downloaded from the Internet to my car's hard drive.
I think all of this can be done with technology that either exists today or isn't too far off in terms of development. Satellite companies already pitch web companies that host bandwidth-intensive events like live webcasts with bandwidth solutions. If a live webcast can be carried via satellite, why can't IP-based content like podcasts and Internet radio?


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WWVB: A Half Century of Delivering Accurate Frequency and Time by Radio
Published: March 12, 2014
Michael A. Lombardi, Glenn K. Nelson
In commemoration of its 50th anniversary of broadcasting from Fort Collins, Colorado, this paper provides a history of National Institute of Standards and Technology (NIST) radio station WWVB. The narrative describes the evolution of the station, from its origins as a source of standard frequency, to its current role as the source of time-of-day synchronization for many millions of radio controlled clocks.
Citation: Journal of Research (NIST JRES) - 119.004Report Number:
NIST Pub Series: Journal of Research (NIST JRES)
Pub Type: NIST Pubs
Download Paper
broadcasting, frequency, radio, standards, time
Created March 12, 2014, Updated November 10, 2018


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14969 Comber Blvd is a $27,500 property on a 0.34 acre lot located in Ehrenberg, AZ.
Location , Location, Location !!!!!This 15,000 square foot lot is only about a 1/4 mile from the Beautiful Colorado River . Build your Dream Home or put a modular Home on this vacant lot . Electric is already on the property and the water meters are installed . Add in a new septic tank and you are good to go . The adjacent 15,000 square foot lot is also available . That would give you over two thirds of an acre !!!
|Exterior Features
Utilities - Electricity Available
|Land Type
Lot Description - Less Than 1 Acre - Yes
Lot Description - Other
|Water Source
To Property Line
Septic System Required
|Property Type
|Property Sub Type
Single Family Residence
|HOA Fee
la paz
Based on information from the Lake Havasu Association of Realtors, last updated 09/18/2019 at 08:31pm MDT. Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS or this website.


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The fact that this disaster has happened slowly and cumulatively makes it no less severe:
Along with the marine toxicologist Susan Shaw, of the Marine Environmental Research Institute, I've come to peer into the hidden side of the Deepwater Horizon disaster. Wreathed in neoprene and with Vaseline coating the exposed skin around our faces, we slip into the clear water in the lee of the boat. Beneath the mats of radioactive-looking, excrement-coloured sludge are smaller gobs of congealed oil. Taking a cautious, shallow breath through my snorkel I head downwards. Twelve metres under, the specks of sludge are smaller, but they are still everywhere.
Among the specks are those of a different hue. These are wisps of drifting plankton, the eggs and larvae of fish and the microscopic plants and animals that form the base of almost all marine food webs. Any plankton-eating fish would now have trouble distinguishing food from poison, let alone the larger filter-feeders.
Onshore, small landfalls of the same sludge have started to cause panic among locals as they coat the marshes. Here, just a few feet beneath the surface, a much bigger disaster is unfolding in slow motion.
"This is terrible, just terrible," says Dr Shaw, back on the boat. "The situation in the water column is horrible all the way down. Combined with the dispersants, the toxic effects of the oil will be far worse for sea life. It's death in the ocean from the top to the bottom."
I have to say I have struggled with how to blog about this. In many ways, it seems to me to be the biggest story of the year, a gaping, unstaunched wound in the planet, emitting death. And yet the prospect of going without drilling seems remote, the possibility of any political will to jump-start alternatives with the impact we need seems just as elusive, and the helplessness of government and industry to stop this nightmare is the most obvious fact (I just assume that BP is doing all it can as of now): all of it makes this story as huge as it is simply despair-inducing.
If we cannot stop this, what else can we not stop?
(Photo: John Moore/Getty.)
We want to hear what you think about this article. Submit a letter to the editor or write to email@example.com.


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Uncovering African American heroism
MIKE MCGEE | 4/3/2018, 11:16 a.m.
"[Ellis] told me the story was much bigger than what happened in France. It went back decades and it touches us today."
Further travel, research, and archival digging eventually brought Gusky face-to-face, in a sense, to the Medal of Honor candidates Stowers and Holmes as well as the monument in November 2017. It stands on a hill near a battleground, a site recalled by French locals, but lost to most of American memory.
The structure was paid for by each member of the Eighth Illinois. Every man donated a dollar to the monument with the names of their deceased comrades listed prominently – for a total of $3,000 – just weeks after the deadly battle.
The doctor explained that such markers were important to Black military men and women because, after the Civil War, soldiers of color who fought for the Union knew they had earned their place in what was their country. Their action helped abolish slavery, assure equal rights under law, and secure voting rights - at least all on paper, which was the sense of purpose Ellis had alluded to.
Gusky admitted that these citizens knew White America was not going to accept them as equals, despite their equal service in preserving the Union. Therefore, the military, and their superior service within it, became a point of pride for many African Americans in the decades after the Civil War. Being in the military meant having a role to play within the nation; the belief in something more significant than the individual; proving worth, and defending their own rights as they relied on collective teamwork.
That pride, sense of duty, and dedication to country drove the Eighth Illinois to serve diligently, erect their own battle memorial, and support two of their own in receiving the Medals of Honor after a fierce fight.
"German soldiers waved the white flag," the doctor announced, as he described the pivotal battle that occurred. "Our American boys got out of the trenches and moved toward the German soldiers - they could have killed them but they didn't; they went to capture them."
He explained it was actually a ruse.
Enemy machine-gun fire unexpectedly tore into the Black Devils, killing a number of them. As part of his lecture the presenter read aloud Holmes' original nomination narrative for the Medal of Honor.
"It says, 'For extraordinary heroism in an attack in the Champaign Sector, Hill 188, Sept. 28, 1918, Private Holmes, after his automatic rifle was out of commission and he himself badly wounded, returned to the company's headquarters of his own volition, got a reserve automatic rifle, went back and fired with this on the enemy until he was killed. This happened under heavy machine gun and shell fire'" Gusky read.
"Something is driving him. He believes in something bigger than himself," the presenter voiced. "But it wasn't just him."
The Eighth Illinois was made up of impoverished draftees who picked cotton before military service. After joining up, the unit in fact "… turned out to have the most amazing record of any Black unit in WWI," affirmed the speaker, in contrast with the contemporary military view of the unit.


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Given the time of year, this might have been a commencement address. However, the transcription does not include any of the typical references to graduates that one would expect if this were a graduation speech.
Many parts of Campbell's address have nothing to do directly with his topic. His remarks include some of the his favorite points and observations. For example, when commenting on the creation of woman, Campbell sets out to undermine philosophical materialism. He contends that there exists no proof, nor even a way to imagine, that matter somehow generated spirit.
Campbell also denies that the first two chapters of the Bible are separate creation accounts in conflict with one another. He describes them, instead, as a general creation account in Genesis 1, followed by an expansive sequel in Genesis 2. The second chapter focuses on the sixth day of creation, especially the making of the first two humans, the zenith of God's creative work.
The early part of the speech also includes what I see as one of many statements in the writings of Campbell that implicitly deny the charge that "Campbellism" was a system of water-and-works salvation, merely baptism followed by a life of good deeds:
It is essential to our redemption, that some supernatural interposition should have been originated and instituted, else our escape from this condition would have been, so far as our reason or resources are concerned, wholly impossible (214).He positively asserts that neither human reason, imagination, nor creativity could have ever brought salvation to humanity. "Revelation alone meets the present conditions of our being" (214).
After these and several other preliminary remarks, Campbell turns to the theme of his title. In speaking about "woman," he makes a case for different gender roles that is deeply rooted in the biblical doctrine of creation. Citing Genesis 2:18--"And the LORD God said, It is not good that the man should be alone; I will make him an help meet for him"--Campbell observes that "woman was created to be a companion, perfectly suitable to man." But this raises the more specific question, "For what was woman created and made?" (219).
According to English translations of Genesis 3:20, Adam called his wife Eve, a name that is translated from the Hebrew term whose central idea is Life. From this Campbell elaborates, "But she is not only the mere life of humanity, in its literal import, but the life and the spirit of all true and genuine civilization" (219). For this very reason, says Campbell, a person can judge any society by finding out how women are treated among them.
From there, Campbell states that woman "is, or may be, the better half" of humanity. And this, he emphasizes, is where we must identify gender distinctions and roles. Woman is the "better half" of humanity "not in muscular power, not in physical strength, not in animal courage, not in intellectual rigor, but in delicacy of thought, in sensitiveness of feeling, in patient endurance, in constancy of affection, in moral courage and in soul-absorbing devotion" (222). He clarifies what this does and does not mean in terms of intellect. Directly addressing his female hearers, Campbell says:
You study physical science, physiology, pneumatology, and probably some of you have even encountered and vanquished metaphysics. Of one thing we are assured, that these studies are as much within your grasp as they are within that of half the young gentlemen of the present living age (224).Women are as intellectually capable as men. If anything, perhaps even more so. But this is not the end of the matter, because what people learn should be based on the "special calling, or the special mission, of each individual" (225). The schooling of a woman "should be equal to her mission" (226). And what is that mission? "She was an extract of man, in order to form man; in order to develop, perfect, beautify, and beatify man" (226).
It certainly appears that Campbell is saying woman's highest calling is to the role of wife (a suitable helper) and mother; to make "the patriot, the philanthropist and the Christian" (227). To women has been conferred "the sovereignty of the human heart." This means that women do not stand "in the front rank of the battle-field" (228). To be more specific:
There is no necessity to mount the rostrum, to stand up in public assemblies, to address mixed auditories of both sexes, of all classes and of all orders of society, in order to fill up the duties of your mission (228).The Christian woman is one "who is always in her proper sphere" (228).
Campbell, Alexander. "Woman and Her Mission. Delivered before the Henry Female Seminary, Newcastle, KY., May 30 1856." in Popular Lectures and Addresses (St. Louis: Christian Publishing Company, 1864), pp. 213-30.


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Kana & Larkin
All photos by Danielle Heinson Photography
Kana and Larkin met during their undergraduate studies at Johns Hopkins University in Baltimore, but have since moved to different cities to achieve different advanced degrees. While Kana pursues a PhD in neuroscience and Larkin does his anesthesia residency in St. Louis, their love has held strong. The couple got married this past February at City View Loft in Chicago, gathering with family and friends from around the world for a beautiful and fun celebration. Below is an interview with the bride, Kana, about the factors that went into her venue selection and the strategies she used to pull off a stress-free wedding.
What elements of your wedding were most important to you and your partner?
"We wanted to plan it in a place people could get to easily. We had a lot of guests from out of the country, and Chicago is such a big hub for flights. Other than that we were just looking for places that didn't require a lot of extra decorations."
What were you looking for in a wedding venue?
"We were looking for a place where we could do both the ceremony and reception in one location because winter in Chicago can be brutal and we didn't want people to have to move around too much. And then we wanted a place where we could bring our own alcohol, which turned out really cool because we got to bring in some Japanese whiskey and do some cool stuff with that. Other than that, we were looking for a place that looked really nice and looked like we could just have the wedding there the next day without a lot of prep."
Tell me about why you chose City View Lofts and what made the venue so unique…
"It was the third venue we looked at, and both of us immediately decided it was the right place for us. It had a lot of natural light, and it was a very welcoming, kind of intimate but large enough to have 100 people. They have the ceremony area on first floor. It's like a converted warehouse, it has huge ceilings which are really pretty. And then when you go to the reception area they have a whole wall of windows that you can see the skyline of Chicago from, and it just looked really, really pretty and highlights some of the best parts of Chicago."
Were there any deal breakers when looking at venues?
"One of the other venues had a disruptive sightline. They had pillars sort of in the middle of the ceremony area, and that was kinda weird."
If you were to give one piece of advice to a couple planning a wedding, what would it be?
"Simple is best. For us, we didn't do a lot of DIY, but that was the right choice. I've read this before where people say to be careful about how much you want to take on with DIY-ing things to save money because in the end you're putting extra stress on yourself. I think that contributed to me being able to have a very stress-free wedding."
What does marriage mean to you?
"For me, marriage is a partnership where we constantly support each other and love each other and help each other grow because I think without growth, everything just becomes stale."
Looking for a unique wedding venue? Tell us what you're looking for and we'll match you to the best venues in your area for free!


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Junior says absence stemmed from heart
In the wake of a season-ending injury to a team captain Jan. 19, the Rutgers gymnastics team needed a spark — something to help soften the blow from the loss of senior Jenna Zito, a point-scorer and leader.
The Scarlet Knights received that spark from junior Luisa Leal, former EAGL Rookie of the Year and NCAA Regionals qualifier in 2011. Leal made her season debut Saturday at Penn State, leading Rutgers on vault by capturing fifth place in the event with a score of 9.775.
As a freshman, Leal put together one of the strongest rookie campaigns in program history. She performed all-around in 11 meets and set a school record with a score of 39.375 in a tri-meet against Bridgeport and Ursinus.
It was a long road back for the international gymnast from Cali, Columbia, who dealt with what she called a "technical problem" with her heart since last competing Jan. 20, 2012.
"I didn't injure myself doing gymnastics. Nothing happened to my body, my joints," Leal said. "It was my heart, so I had to get that fixed. I was just really sad to sit down the entire season knowing that I started the first few meets with pretty high scores. It was very frustrating."
Possibly even more frustrating than missing an opportunity to compete in most of her sophomore season was the growing fear Leal might never get a chance to compete again.
Leal said she needed a heart procedure five times before she was free of cardiac symptoms and cleared to compete again.
"I just felt like I was never going to get fixed," she said. "But after that, I got really confident about it and started working out hard."
After months of rehabilitation and determination to return to the floor, Leal said finally seeing competitive action at Penn State was a rewarding experience.
"The feeling of having the team around you, that adrenaline you feel when you see the green flag go up, it was just great, man," Leal said. "When we were [at Penn State], I just felt like I had never missed a day. I was right back into steam."
Head coach Louis Levine did not shy away from expressing the importance of Leal to the future success of the program.
"Look, she's an international-level competitor. She's got one of the best vaults in the country, and it's there every single time — it's the same," he said. "It's always good to enter one of those back in. As we can get her back on more and more events, she's an elite-level competitor who will help us on every event she's able to compete as we move forward."
Leal will likely bolster Rutgers on more than vault as soon as this weekend.
She said she will probably compete on uneven bars and the balance beam as well Saturday at the Livingston Gym against Pittsburgh, Brown and Southern Connecticut.
For updates on the Rutgers gymnastics team, follow Greg Johnson on Twitter @GJohnsonTargum.
Please note All comments are eligible for publication in The Daily Targum.


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Applies from Thu 19 Sep 2019, 5.30pm. Last reviewed: Fri 20 Sep 2019, 10.07am
Closed areas: Blue Waterholes closure
Part of Kosciuszko National Park will be closed for the trapping and removal of wild horses. There will be signage in place.
Blue Waterholes trail from Cooleman Mountain campground to Blue Waterholes campground will not open at the October long weekend and will remain closed until the end of November.
This is to allow National Park and Wildlife Service (NPWS) to manage interactions between wild horses and the public within the campgrounds by reducing the number of wild horses in the area.
Access to Magpie Flat and Blue Waterholes campgrounds will be prohibited to ensure the safety of NPWS staff, visitors and welfare of horses during control operations. Penalties apply for non-compliance.
Vehicle traffic will not be permitted beyond Cooleman Mountain campground. Coolamine Homestead will still be accessible to walkers, cyclists and horse riders.
The closed areas are:
- Blue Waterholes campground
- Magpie Flat campground
- Blue Waterholes picnic area
- Clarke Gorge walking track
- Nichols Gorge walking track
Visitors are encouraged to use other campgrounds in the area during the closure period, including:
- Three-Mile Dam
- Cooinbil Hut
- Long Plain Hut
- Yarrangobilly Village
- Bullocks Hill
- Ghost Gully
For further information please contact the NPWS Tumut office on 02 6947 7000.
Affects 1 park and 3 locations nearby.


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Notes from Vegas
I spent last weekend in Las Vegas with two of my favorite high school boys. What follows are my observations from a well-rounded, fabulous trip.
– Vegas is no longer a place to take your family–unless your children are adults. Giant billboards featuring hoochie girls in racy outfits (if you can call them outfits) run the length of the Strip advertising half-naked shows at major casinos. The pool scene is a hotbed of inappropriate conversations between adults ranging in age from 18 to 55, all who have started drinking by noon. I can't, in fact, think of an activity to take a child to in Vegas anymore.
-To fit in at a Vegas club, your dress can only cover one to two centimeters below your bottom. Otherwise you are out of place. My friend counted four separate women on the dance floor whose underwear, or lack thereof, he saw in plain view, in some cases multiple times. Since when is it sexy to blatantly reveal your thong on a dance floor before you get the guy you are grinding with back to your room! A true sign I am too old for the Vegas club scene.
-Walking the 2.1 miles, from the Wynn to the Luxor in cheap high heels may seem like a good idea at the time, with the lights, and the shiny new hotels to see, but I guarantee your feet will pay. I still have a red inflamed blister on the top of my toe, five days later.
-But on that same note, the Strip is at its best at night. The lights alone can give you a high. Say what you want about Times Square, and how annoying the foot traffic is, but the same thing applies. You just can't beat bright, shining, colorful lights. It's like having Christmas decorations up all year.
-Eating a plain old McDonald's cheeseburger at 2 am is a great way to weaken the blow from your hangover…despite what my friend may say.
-It is very much worth leaving the Strip, and the city, and finding your way to one of the many natural wonders that surround Vegas. This trip I found myself hiking through Red Rocks Canyon, and being incredibly disappointed that I had dropped and permanently damaged my camera at the club the night before.
–The Mix Lounge, on the 64th floor of THEhotel, may win for best view of the Strip. You can see all the way down to the Stratosphere. And with a delicious $15 martini in hand, I'm not sure I've ever enjoyed a view so much.
-Another shout-out to the Mandalay Bay complex is for the Red Square restaurant and bar, which not only features a very tall headless statue out front, but also serves it's martinis on a strip of ice running the length of a bar. The bartender is also nice enough to hand out free blue cheese stuffed olives to those of us that really couldn't handle another martini.
-Vegas with a few of your oldest friends, who know you inside and out, and are totally okay with you doing the running man on elevators, is the right way to do Vegas. It keeps me coming back.


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Good news! New York ranks 11th best among the 50 states and the District of Columbia in a new analysis of states with the best elder-abuse protections. In a new Wallethub study, New York is #1 in the presence of elder-abuse forensic centers, has the 2nd fewest elder-abuse, gross-neglect & exploitation complaints, 9th in the number of certified volunteer ombudsmen. New York ranks slightly above average in nursing-homes quality and total expenditures on elder-abuse prevention.
That is not to say we don't have elder abuse here. A close relative recently had a short term (two or three weeks) stay in a local nursing home where I witnessed elder abuse and a heaping dollop of elder neglect. This has been on my mind because i just received a substantial bill for the piece that Medicare didn't cover for her, and sending money to this facility gives me a bad feeling, since it was abundantly clear that making money is the only thing they do well there. 45 minutes to get help going to the bathroom even when family members were there to advocate for her... what about the residents who didn't have advocates? Did they ever get to go to the bathroom?
The top ten states with the best elder-abuse protections are Massachusetts, Wisconsin, Nevada, Michigan, Arizona, Vermont, Iowa, Pennsylvania, North Carolina, and West Virginia. At the bottom of the list (from worst to less worst) are South Carolina, Wyoming, New Jersey, California, and Montana. Massachusetts, Rhode Island, Nevada, Wisconsin, and Arizona spend the most on elder-abuse prevention. South Carolina, North Dakota, Montana, Maine, Kansas, and Georgia spend the least (per resident 65 years old and higher).
The lowest number of complaints about elder-abuse, gross-neglect & exploitation complaints were in New York, Rhode Island, Nevada, Wisconsin, and Arizona. But that doesn't mean it's not happening there. I am certainly part of the problem, because I didn't report what I saw or sue the facility. My relative was in horrible shape when we finally extracted her from the facility, and it was only due to the caring staff at the place where she now lives that she came back at all. Frankly what they did was a miracle, because the nursing home couldn't even give her water to keep her hydrated, which caused obvious physical and mental health problems.
I was so exhausted and relieved that we got her out of there that I wanted nothing more to do with them. Probably a bad attitude, because plenty of residents there are no doubt being abused and neglected. But you have to figure there are many people nation-wide who do not report these things.
According to the Nursing Home Abuse Center only one out of 14 elder-abuse incidents are brought to the attention of authorities, and only one out of 25 cases of financial exploitation. Studies show that between 7% and 10% of elderly people have suffered from abuse at least once in the past year. The center estimates that 1-2 million U.S. citizens 65 years of age or older have been mistreated, exploited or injured by a caregiver.
This week the story of a Netherlands man who lost his lawsuit to officially lower his age by 20 years was in the news. He claimed that he is in great shape and feels 20 years younger than his actual 69 years, and complained of age discrimination and difficulties in finding a job because of his age. He said being 69 also hurt his dating prospects.
"When I'm on Tinder and it says I'm 69, I don't get an answer," he said. "When I'm 49, with the face I have, I will be in a luxurious position."
When you look at the statistics on elder abuse you have to sympathize with his plea. Getting old is hard enough without younger people taking advantage of you, neglecting, or actively abusing you. The idea of aging and dying with dignity is not something many people experience any more. The court said that he "is at liberty to feel 20 years younger," but added that a legal age change would have "undesirable legal and societal implications".
You can't win for losing... not changing his age could also have undesirable legal and social implications that ruin what is left of his life.
Growing up, I often heard it said that a difference between eastern and western cultures is that the elderly are revered in Asian cultures, while in America they are discounted. I don't know about the Asians, but age discrimination is a given in America. All you have to do is know an elderly person who can no longer care for him or herself (or even those who can), or -- worse -- be one.
Still it is comforting to know that in New York, at least, you have a better chance of being treated decently. Note to self... don't retire in South Carolina.