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A significant association exists of ACACB gene polymorphism and diabetic nephropathy among Caucasian patients with diabetes.
Our meta-analysis supports that the apolipoprotein E (show APOE ELISA Kits) epsilon2 allele and acetyl-CoA carboxylase beta rs2268388 C>T might act as promotion factors of nephropathy in type 2 diabetes.
The knockdown of ACC2 reduced palmitic acid -induced autophagy and thus protects the cells from palmitic acid - induced lipotoxicity with attenuated lipid accumulation and rescued cell viability.
These data support a role for ACACB in obesity and potential roles for altered lipid metabolism in susceptibility to diabetic nephropathy.
TT genotypes of ACACB gene (rs2268388) and CC genotype of AGTR1 (show AGTR1 ELISA Kits) gene (rs5186) confers the risk of diabetic nephropathy in Asian Indian patients with T2DM.
A gene polymorphism in acetyl-coenzyme A carboxylase beta may be associated with the C-reactive protein (show CRP ELISA Kits) level in a prediabetic and diabetic population.
In conclusion, common polymorphisms of ACACB gene are associated with obesity and, independently, with type 2 diabetes in postmenopausal women
Common variants within the ACACB locus appear to regulate adipose gene expression
The acetyl-coenzyme A carboxylase beta (ACACB) gene is associated with nephropathy in Chinese patients with type 2 diabetes.
Acetyl-CoA carboxylase beta (ACC2) plays a key role in fatty acid synthesis and oxidation pathways.
These results suggest that ACC2 is dispensable for CD8 (show CD8A ELISA Kits)+ T cell responses.
AMPK (show PRKAA1 ELISA Kits)-dependent inactivation of ACC (show ACACA ELISA Kits) is not essential for the control of myocardial FAO and subsequent cardiac function during a variety of conditions involving AMPK (show PRKAA1 ELISA Kits)-independent and AMPK (show PRKAA1 ELISA Kits)-dependent metabolic adaptations.
Data show that acetyl CoA carboxylase 2 ACC2 deletion led to a significant reduction in cardiac malonyl CoA levels.
Inhibition of acetyl-CoA carboxylase 2 enhances skeletal muscle fatty acid oxidation and improves whole-body glucose homeostasis in db/db (show LEPR ELISA Kits) mice.
the ACC2 deletion protects against fatty liver, despite increased de novo lipogenesis and a diet that induces obesity, fatty liver, and diabetes.
Acc2 does not have a major role in regulating body weight, fat mass, or food intake
ACC2 plays an essential role in controlling fatty acid oxidation and is a potential target in therapy against obesity and related diseases.
Fatty acid oxidation in the adipocytes of Acc2-/- mutant mice, combined with a higher level of glucose oxidation and a higher rate of lipolysis, are major factors leading to efficient maintenance of insulin (show INS ELISA Kits) sensitivity and leaner (show CACNA1A ELISA Kits) Acc2-/- mutant mice.
Acc2(-/-) mice were protected from fat-induced peripheral and hepatic insulin (show INS ELISA Kits) resistance.
Report reduced heart size and increased myocardial fuel substrate oxidation in ACC2 mutant mice.
Acetyl-CoA carboxylase (ACC) is a complex multifunctional enzyme system. ACC is a biotin-containing enzyme which catalyzes the carboxylation of acetyl-CoA to malonyl-CoA, the rate-limiting step in fatty acid synthesis. ACC-beta is thought to control fatty acid oxidation by means of the ability of malonyl-CoA to inhibit carnitine-palmitoyl-CoA transferase I, the rate-limiting step in fatty acid uptake and oxidation by mitochondria. ACC-beta may be involved in the regulation of fatty acid oxidation, rather than fatty acid biosynthesis. There is evidence for the presence of two ACC-beta isoforms.
, acetyl-CoA carboxylase 2
, acetyl-Coenzyme A carboxylase beta
, acetyl-Coenzyme A carboxylase 2


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Some FAQs...
How long is each appointment?
One test is a 30-minute appointment. If you schedule all three for one visit (DXA + RMR + VO2), it will be take an hour to perform all of your tests and review your results.
How often should I visit for my re-tests?
If you're a fan of the Goldilock's Principle, 2-4 months is your target. Most of our clients find it's their 'sweet spot' to discover how effective their diet and training plan is working.
It gives your body enough time to adjust to a new routine, so you can see if you should stick with it or change it (in case it's not working!).
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You can pay monthly or annually if you sign up for a premium membership. Or pay-as-you-go.
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Absolutely! In fact, we encourage it!
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All Premium Plans come with upgraded premium DXA reports, which include your visceral fat and bone mass analysis.
How do I prepare for my tests?
You can read the Pre-Test Protocols Here >
What do you guys think about Pluto?
Pluto, if you're reading, we still think you're a planet :-)
Or give us a call! 972-499-4783
Where are we?
4222 Trinity Mills Rd Ste. 285
Dallas, TX 75287

subset: commoncrawl


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Christian Parenting Blogs
Christian Parenting Tips and Ideas is designed to help parents deal with the everyday issues of.. being a parent.
Owner: artisticre
Listed in: Parents
Other Tags: christian parenting tips, positive parents, christian parents, happy children
A Christian dad of 9 kids shares his thoughts
Owner: rjacobsen
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Establishing Christian Parenting will guide you through the most important aspects of raising your.. child the biblical way.
Owner: anngrayelliott1960
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A Christian family blog devoted marriage, family, and parenting from a christian perspective.
Owner: Protrepo
Listed in: Parents
Other Tags: christian, christian family, christian living, parenting


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It's pretty much just like this:
She's really pretty and she's not super weird or anything. I think she's around 19/20 if that matters. I've always wanted to ask, but I don't want to be awkward.
Most Helpful Guy
She may live in an area where there are a lot of bears. The jingle of the bell alerts the bears that she is nearby so they won't be surprised by her. That helps avoid an incident.11|00|0


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|Garden of Hope
|Based upon
| Pikmin 3
Wii U (2013)
|Home to
Garden of Hope is a stage in Super Smash Bros. Strife, returning from Super Smash Bros. for Wii U. It is based in the second area of Pikmin 3, the Garden of Hope.
Alph is fought here in his unlocking battle once the specific criteria to do so has been met.
Stage Layout Edit
The stage consists primarily of two long platforms that extend off the bottom of the stage, with a destructible platform bridging the gap between them. The platform on the right is higher than the one on the left. On one side of both platforms (the side closer to the blast lines), a platform is located which will lower when fighters stand on it and lift when not.
On the left platform, a large, up-turned bowl can be built by the Pikmin. The bowl will always appear at the beginning of the match, and can be broken by attacks. Fighters can be trapped within the bowl if it is built around them.
Similarly, a destructible object is also present on the right, though this object is instead a large stick that acts as a minor inconvenience, forcing fighters to either break through it or jump over it to get to opponents on the opposite side. If destroyed, Pikmin may appear after a short while to dig another one out of the ground.
A Bulborb can appear in the background of the stage. While it does not interfere with the fight, its presence will keep away Pikmin. Thus the bowl nor the stick will be rebuilt until it leaves.
Hazards Edit
The Peckish Aristocrab, a powerful enemy from Pikmin 3 found in the Tropical Wilds and Garden of Hope areas of the game. It can appear on either side of the stage, which is signified by a stream of bubbles.
The Peckish Aristocrab will travel across the stage from whichever side it appears from. It will instantly destroy the bowl and stick, and will also deal massive damage and knockback to those in its path. If the bridge in the centre of the stage is destroyed, it will crawl down the side of the platform and off the bottom of the stage, instead of passing through the entire stage.


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Renewing Your Writing Spirit:
Bob Welch's Spring 2017 Workshop
We asked. You told. Now, we've built a one-day workshop as a custom fit for your writing needs. After more than two dozen people responded to our Survey Monkey questionnaire earlier this month, we used your responses to design a workshop that will:
Inspire you.
Inform you.
Challenge you.
Recharge you.
And, above all,
Encourage you.
All in the relaxed atmosphere of teacher Bob Welch's Eugene home. Two identical workshops, Friday, April 7, and Saturday, April 8. A maximum of seven students per workshop. Aimed at both fiction and nonfiction writers alike.
What you'll get:
1. Written critique of your work by Bob Welch prior to the event. (Max 2,000 words).
2. Chance to read aloud a short piece of your work and get feedback from your peers. (Optional.)
3. Group discussion about the obstacles to successful "writing lives."
4. Inspiration and information from Bob.
5. Three short exercises to help you grow as a writer.
6. A great Oregon lunch prepared by She Who Knows Hospitality, Welch's wife Sally.
In short, the chance to learn and laugh in a relaxed atmosphere where people aren't put on the spot but are encouraged — all with a late enough start, and early enough finish, to make it practical for people traveling from Portland or Central Oregon to attend without having to spend a night.
The schedule:
9 a.m. — Arrive.
9:15 a.m. — Welcome, inspiration, get-to-know-each-other exercise.
10 a.m. — Welch on writing, followed by an assignment.
11 a.m. — Group discussion on obstacles for writers.
12:15 p.m. — Lunch
1 p.m. — Welch on writing, followed by an assignment.
2 p.m. — Read aloud. (If seven people, each gets 10 minutes to read and seven of feedback.)
4 p.m. — Final comments, questions.
4:30 p.m. — Workshop concludes.
Limit seven people per workshop. First come, first serve.
Cost: $199.
Interested but still have questions? Feel free to contact Bob here or 541-517-3936.


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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Edgar Frank <ef-li...@email.de>
|Re: [mod_fcgid] Feedback / Suggestions
|Wed, 25 Nov 2009 11:54:37 GMT
2009/11/25 Olaf van der Spek <firstname.lastname@example.com> > > Yes, you're right. In a FCGI_GET_VALUES request, the backend can send > > arbitrary name-value-pairs. Unfortunately there is no standard way to tell > > the frontend that this feature is supported. Maybe, making the name (and > > expected value) of this name-value-pair configurable in mod_fcgid could > > be a reasonable way. > > Doesn't sound reasonable either. If you introduce such a feature, it > should simply be coordinated with other FastCGI stakeholders. You're right, again. I'm just wondering if such a change is likely to happen. Last update was 2002. I'd like to propose a change to the FastCGI stakeholders, if this makes any sense from a single, unrelated person. Edgar
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Vend Property and Cushman & Wakefield, as joint marketing agents, are pleased to offer for sale or lease a unique offering ideal for logistics, industrial and large format retail users. The property is located at 7 Sobek Pass, Bibra Lake WA.
Built for Masters Home Improvement, the offering presents an outstanding opportunity to purchase a high-quality, near new fully air conditioned building.
The high-profile site offers excellent access and visibility and positioned within the industrial precinct of Bibra Lake, a suburb within Perth's south metropolitan corridor.
The significant lan...


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British Travel Awards Vote now
Azima Villa is a wonderfully modern villa, located in the serene 'White Phase' setting of El Gouna, which is a relaxing and quiet retreat. Built to an exceptionally high standard, this villa is beautifully decorated in bright and modern furnishings, and is spacious and airy throughout. Offering air-conditioning, Azima Villa also benefits from a lovely open-plan lounge and dining area, with comfy sofas and a large flat-screen television with multiple English channels and a DVD player. Externally, you will find a large and delightful private pool, with fantastic views across the lagoon and to the mountains beyond. If you need an escape from the sunshine, take a break with a book under the cute, circular covered terrace, which also makes for a great place for dining alfresco. In the evening, take a stroll along the lagoon whilst the sun sets, which you can access directly from the villa terrace. And if you're looking for a bit more hustle and bustle, jump on a 'Tok Tok' or call a Taxi to take you the short journey to nearby Downtown or slightly further afield to the Abu Tig Marina, for a huge array of shops, bars and restaurants.
FREE electrically heated pool during winter months, Open poolside shower
Some facilities in this property are missing from the specified "Signature" collection, however this property is situated on the prestigious El Gouna resort, where guests can enjoy a further range of facilities and amenities within the resort.
This property comes with Free Wi-Fi, Free Air Conditioning, Free Cots, Free Highchairs and Free electrically heated pool during winter months
Holidays are a big deal. So going that extra mile to make it special can make all the difference.
Our Signature villas add those all-important special touches.
The pool towels are included. The barbecue is big enough to prepare a tasty feast for the whole family. The master bedroom boasts a king size bed for added comfort. Your villa will have one bathroom per two bedrooms, with at least one ensuite or a bathroom per bedroom. The TV has multiple English channels. Kick start the day with fresh coffee using your own machine. You'll even find the fun factor with a games facility!
Signature villas have all of these amazing added touches - but you're in control of your signature style!
If you can't think of anything better than lazing by the pool which overlooks breathtaking views, we'll have a Signature villa to put you in prime position to take it all in.
All about location, location, location? Our Signature villas are situated both right in the middle of the action and in beautifully secluded spots. What do you prefer?
Discover the Signature villa that suits you - we'll take care of the rest.
Need help and advice? Our Holiday Guides contain everything you need to know Holiday Extras
Wi-Fi added
Perfect villa - heated pool absolutely fantastic for babies/toddlers. Great view overlooking the desert. Masses of space. Everything worked. Once we baby-safed the stairs we could utterly relax, it was great.
Comments that appear in the villa timeline were received via the following channels: web enquiry, villa guestbook and through postal correspondence prior to 2014.
Pictures that appear in the villa timeline were received via our Travellers App and any opinions provided are of the customers and not James Villa Holidays.Holiday the Way You Like It
Our website uses cookies. They're not the tasty kind, but they do help the website work and give you a better online experience. By using our website you agree to their use.Read our cookie policy in full
Visiting us from Europe or afar? See our prices in Euros
Que nos visita desde Europa o afar, consulte nuestros precios en Euros
Μας επισκέπτεστε από την Ευρώπη ή (από) το εξωτερικό; Δείτε τις τιμές μας σε ευρώ
Visitando-da Europa ou afar, consulte nossos preços em Euros


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Selected Community Events for 1/22/2017
Go Back
http://www.abc12.com/content/events/411237865.html | 411237865
Sunday Serenades Community Concert Series
Event Dates and Times
Bronner Performing Arts Center, Frankenmuth MI 48734
The concept of the Sunday Serenades is a combination of improvisational musical workshop and community concert. The first half of the program is designed for area musical students to join area Jazz Musicians as they share interests and talents in jazz improvisation and learning the fundamentals of the jazz language. The workshop will emphasize the study of chords, scales, rhythms, as well as ear training and the development of coherent musical phrases and ideas. The second half of the workshop is a community concert. The workshop is free to are music students who wish to develop musical improve skills. Workshop is from 3:00-3:30 PM with the free will donation concert beginning at 3:30 PM.
Both the Workshop and Concert are open to Community members watch and enjoy.
Meet The Saginaw Elite Big Band
The Saginaw Elite Big Band is a new band, but the professional musicians that make up the band are experienced veterans of local concert, variety and swing/ballroom dance bands that have performed in and around the Great Lakes Bay Region over the last 25 years. The band was formed with the intent to provide only the best arrangements of music – performed by the best musicians in the area
Bonnie email@example.com 525 E Genesee Street Frankenmuth MI 48734 989-652-6351 firstname.lastname@example.com
http://www.abc12.com/content/events/409900535.html | 409900535
January "Starting a Business" Trainings
Event Dates and Times
1/18/2017 - 1/26/2017
Oak Business Center in Flint
FLINT, MI - "Starting a Business" will be presented at the Oak Business Center in Flint via classroom presentation on Wednesday, January 18 from 1:00 – 3:30 p.m. This workshop will also be presented via webinar on Thursday, January 26 from 1:00 - 2:00 p.m.
"Starting a Business" is designed for individuals who are considering self-employment, or who may be at the beginning stages of starting a business. This introductory training covers the process of starting and operating, evaluating market potential for products/services, costs and financing options, plus business planning. Every registered classroom attendee will receive a copy of the 60+ page book, "Guide to Starting and Operating a Small Business."
There is no fee for the "Starting a Business" seminar but advance and separate registration for each individual is required.
To register for the CLASSROOM training on January 18, please go to:
To register for the WEBINAR on January 26, please go to:
MI-SBDC is a statewide organization funded in part through a cooperative agreement with the U.S. Small Business Administration (SBA), the Michigan Economic Development Corporation (MEDC), and through local host support - Kettering University for this regional center. The MI-SBDC provides no-cost counseling, business education, planning assistance and guidance for any new ventures, existing and growing businesses, and innovative technology ventures.
For more information, visit the MI-SBDC website at www.SBDCMichigan.org or call the I-69 Trade Corridor regional office in Flint: 810-762-9660.
Julie Filary, 810-762-9660
http://www.abc12.com/content/events/409799365.html | 409799365
Latin Salsa Dance and Lesson with Angela Markle
Event Dates and Times
1/22/2017 - Starts: 6:00 PM
Temple Theatre, Saginaw, MI
A mix of Salsa music with Cha Cha, Merengue, Rumba and Bacchata. There is a ½ hour Salsa lesson at 6:00 PM with Angela Markle, Professional Dance Instructor.
Light concessions will be available.
General Admission $15
Temple Theatre Box Office, 989-754-7469, http://templetheatre.com/
Go Back


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I mean it is special when it is not all body. Is a guy really respecting a girl dressed sparingly shall we say? And should a guy post almost naked pics on fb? Sorry just seems special to share that stuff all for that special someone who dunno.
Besides isn't imagination ok?
Most Helpful Guy
I agree. too much meat is on show these days00|00|0
Most Helpful Girl
Lol ur perspective on this is great.
Never change.
And I completely agree.11|00|0
Oh thank you for MHO
wasn't expecting it. Thank you :)


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First mini-album from GALETTe features a composer Hiroshi Chikuda. Also features a hit maker Masazumi Ozawa (ex. PAMELAH), who is famous for his works with popular groups/artists such as Ma Kuraki, ZARD, AKB48, SKE48, NMB48, and Dorothy Little Happy. Contains seven tracks total, including three new ones.
ガレット - Grooving Party [2015.03.25]
FLAC / Lossless / CD / Type C - 2015
1. JUMP ! for a dream
2. Pink Cotton Flower
3. Upbeat People
5. Neo Disco
6. Ja Ja Uma to Yobanaide
7. She is WANNABE!


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Ohhhhh!!! I am SO blessed to have the Blog up and running! Bring on Sarah Harms Longacre Blogging for the first time ever. Watch out world! Here comes BLOOMING in UGANDA!
I better put a BIG warning to you all first.... Sarah Longacre can not spell to save her life!
Just had to get that off my plate. Please know that you are at your own risk while reading this blog.
So.... I am off to Deepak Chopra tonight with lots of fun gals (my sis Wendy, Shayla, Jenni David, Julie and many more)! I will stop back later tonight to fill you all in on all of the great happenings of Blooming in Uganda! Can't wait to tell you how much we have brought in thus far!
Thanks for all of the love and support! I could never, ever, ever do this with out all of the wonderful support from each and every one of you!
Lots of love,
Tuesday, October 20, 2009
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A 12% AHA/BHA serum for night that helps refine and resurface skin to reveal a smoother and more radiant looking complexion. T.L.C. Framboos™ enhances the performance of other products by clearing the way for maximum absorption.
This high-tech gel resurfaces dull, congested skin, gently lifting dead skin cells away by dissolving the glue that holds them to the surface. The results are greater clarity and a smoother, more even-toned complexion. Formulated with a dream team AHA/BHA blend including glycolic, lactic, tartaric, citric and salicylic acids and blended with raspberry extract, T.L.C. Framboos™ sinks in easily and delivers effective and precise chemical exfoliation without the harsh side effects like dryness or sensitization. Fine lines, wrinkles, discoloration and other signs of aging will appear diminished, along with excess oiliness and the appearance of pores. Horse chestnut and white tea help to calm and soothe. Go from a drab complexion to an absolutely luminous one, practically overnight!
AHA's can be sensitizing if not formulated properly. We added soothing plant extracts and formulated T.L.C. Framboos™ at the ideal pH level of 3.8-4.0, which we believe is the key to an effective formulation.
D.E. only uses clean, non-toxic ingredients that either directly benefit the skin's health or support the integrity and effectiveness of our formulations. We never take into account an ingredient's synthetic or natural status, but instead choose based on its safety and bio-compatibility. You won't find silicones, chemical screens, sensitizing colorants, perfumes or fragrant essential oils of any kind in our products, making them appropriate for every skin type. This is our commitment to you.
At night, apply to a clean, dry face, neck, chest and backs of hands, avoiding the eye area. Allow to dry and follow with D.E. Virgin Marula Oil for maximum effectiveness. Also works incredibly well as a spot-treatment! Note: Very slight tingling may be experienced, particularly for the first few days of application.
In the early stages of using this product, slight tingling may be experienced, particularly for the first few days of application but this typically dissipates as your skin becomes adjusted. Start slowly. Use the product every other night, alternating with D.E. Virgin Marula Oil as necessary.
If you have a tendency to breakout, do not worry if in the first few days of glycolic acid use you notice a temporary increase in blemishes. This is normal and represents a cleansing of clogged pores. Avoid using with any products containing retinol or retinoids.
A Girl's Gotta Spa! Energizing Citrus Dead Sea Salt Body Scrub 10oz Jar for Dry Skin
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Alford & Hoff No. 2 Eau de Toilette Spray, 100ml
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Anthony Facial Scrub, 2 oz.
Anthony Glycolic Exfoliating & Resurfacing Wipes, 30 Wipes
Anthony Glycolic Facial Cleanser, 16 oz
Anthony Head To Toe Kit
Anthony High Performance Vitamin C Serum
Anthony Invigorating Rush Hair plus Body Wash, 3.4 oz.
Anthony Moisture on the Go Kit
Anthony Shave Cream
Anthony Shave Cream, 3 oz.
Anthony Shave Gel 6 Fl. Oz.
Anthony Wake Up Call


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Mr. DAVID SCOTT of Georgia. Mr. Speaker, I yield myself such time as I may consume.
As my distinguished colleague from Georgia, Congressman Westmoreland, pointed out, whom I am very pleased to serve as a cosponsor with on this bill, he very aptly described the very dire situation facing our State of Georgia.
Mr. Speaker, as I stand here, Georgia, since the 2008 financial difficulties started in this country, 67 banks have failed, which makes us the leader in the Nation in this area in our State. We have some very capable business people in Georgia and in Atlanta, very sterling leaders of the financial services industry worldwide based out of Atlanta. We're grappling with the recovery.
But there is no more important sector of our economy than our banking system. It is, indeed, the heart of our economic system. It pumps out the credit. It pumps out the capital that makes our economy go around. So it is very important that we really deal with an area and with information and with an effective study so that we can grasp the full meaning of what caused this to happen, what were the characteristics in Atlanta or in Georgia that caused this disproportionate number of bank failures. And, indeed, we could learn so much so that we can prevent this type of a collapse in our bank financial system from happening again and make a very valuable contribution.
So with that, Mr. Speaker, I want to take just a moment to explain what we are doing with this important bill, H.R. 2056, that we feel will make a very valuable contribution to preventing these kinds of collapses from happening again to the detriment of our economic system.
The purpose of this bill is, one, to determine the extent to which certain FDIC practices precipitated the bank failures. We need to find out if there's something that the FDIC was doing, that regulators were doing that we need to improve upon.
Two, we need to determine whether various FDIC policies and practices for resolving failed banks are appropriate. That's very important to know. If what we're doing is not appropriate, we can fix that.
And, three, we need to determine the extent to which the FDIC employees, themselves, in the field, the investigators, the bank examiners take actions that were consistent with FDIC policies and procedures that we developed here in Washington. In other words, Mr. Speaker, we need to take the time to look at this
peculiar situation of this rash of bank failures in one basic geographic area of this country to see what really went wrong and if there were some things that we were doing here in Washington that we need to correct.
And, finally, we need to determine the extent to which the FDIC policies and procedures are applied consistently across all banks. This information will be very important.
The bill requires that the FDIC Inspector General, within 1 year of enactment of this bill, will conduct a study on the impact of the failure of banks and report the results and any associated recommendations back to Congress.
This study would address, one, the effect of the FDIC's use of loss sharing agreements on relevant stakeholders, including banks that survive and borrowers of the failed IDI. Two, the significance that paper losses, including the extent to which they trigger IDI receiverships and the impact they have on raising more capital. Three, the success of field examiners in implementing the FDIC policies and procedures on commercial real estate workouts.
One of the things we find in our State of Georgia, one of the common characteristics that sort of held these banks separate was the overleverage, we shall say, of the portfolios in real estate and the housing bubble burst on us.
Four, the application and impact of consent orders and cease and desist orders, including whether such orders are used consistently across all types of banks, and also the application and impact of FDIC policies, particularly as they relate to a bank's ability to attract private capital. And then the FDIC's handling of potential investments by private equity companies in banks.
In H.R. 2056, as introduced, we received great bipartisan support and reception at a hearing that we recently had that my colleague from Georgia (Mr. Westmoreland) mentioned and the FDIC and the OCC are working with us on this bill. And the OCC has suggested that the FDIC Inspector General should consult with the OCC Inspectors General with respect to studied topics that pertain to banks that the OCC, which is the Office of the Comptroller of the Currency, directly supervisors and, of course, that same logic would argue for consultation with the Fed.
So subsequently, an amendment was adopted by voice vote in the full committee in the markup, requiring that the FDIC Inspector General consult with the Inspectors General of the Treasury, within which the OIC is housed, and the Fed. This amendment was passed by voice vote with strong bipartisan support to supplement the study factors regarding the loss sharing agreements. It added new study factors regarding appraisals and capital. It required the FDIC's Inspectors General to coordinate with the Treasury and the Fed's internal Inspectors General. And four, it added a new separate GAO study on bank failures to the report due 1 year after enactment. And I might add that both the FDIC as well as the OCC are supportive of this measure.
In conclusion, Mr. Speaker, this bill is very important for us not only in Georgia but across this country where we've had this rash of bank failures. It's important for us to learn and to know about the causes of the bank failures in the States that have been hardest hit, especially the issue of application and effect of consent orders and cease and desist orders, particularly where these orders have been enforced uniformly and fairly across all banks. This has been a concern from our banking community in Georgia.
While I know this bill alone will not solve our current banking crisis, I am confident it will provide Congress and regulators with valuable information that may prevent failures in the future and provide us with ways that the FDIC, that the OCC and the Fed, our banking regulators and examiners, can help our banks avoid bank failures.
If we're ever going to climb out of this terrible economic malaise that we're in and spark growth in our communities, it is the banks that must be stable. It is the banks that must be well-capitalized and able to lend to consumers and small businesses. And in particular, our small and community banks are the ones that will lead the way to our economic recovery, but only if they're able to work, hand-in-hand, with our Federal regulators and examiners to remain viable.
This bill is a small step, but it is a big step in the right direction in that respect, and I encourage all of my colleagues to support it.
I yield back the balance of my time.
Source: http://thomas.loc.gov


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13 July 2011
A simple egg is a marvellous thing.
Not only is the egg a nutritious and versatile food in its own right, it can be used to create structures ranging from a light and airy meringue to a dense and rich custard. During this seminar, Tom Coultate and David Mason will explain the science behind the egg. What happens to it when it is heated, moussed, or added to an emulsion? This seminar will demystify some of the wonderful properties of the humble egg.
Wednesday 13th July 7pm, duration: approximately 90 minutes.
England England / City of Westminster
Victoria Centre, Vincent Square, SW1P 2PD


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Research and Markets has announced the addition of John Wiley and Sons's new book "Cloud Security: A Comprehensive Guide to Secure Cloud Computing" to their offering.
Cloud computing allows for both large and small organizations to have the opportunity to use Internet-based services so that they can reduce start-up costs, lower capital expenditures, use services on a pay-as-you-use basis, access applications only as needed, and quickly reduce or increase capacities. However, these benefits are accompanied by a myriad of security issues, and this valuable book tackles the most common security challenges that cloud computing faces.
The authors offer you years of unparalleled expertise and knowledge as they discuss the extremely challenging topics of data ownership, privacy protections, data mobility, quality of service and service levels, bandwidth costs, data protection, and support.
As the most current and complete guide to helping you find your way through a maze of security minefields, this book is mandatory reading if you are involved in any aspect of cloud computing.


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Le programme la PREMIÈRE PRÉSENCE CANADIAN TIRE est conçu pour assurer une expérience positive de hockey aux familles qui en sont à leur premier contact avec le hockey en offrant un programme ACCESSIBLE, ABORDABLE, SÉCURITAIRE et surtout, AMUSANT!
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Happy to be back with Frontenac for another #CTFirstShift program! Ontario team is at stop #2 and off to Missi... Suite


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A Letter from A.D. John Currie - June 23, 2016
A Letter from A.D. John Currie - June 23, 2016
Good Afternoon K-State Nation,
Actually it is fairly early as I finish up this letter on a beautiful Kansas morning which is hopefully setting up as another perfect day for wheat harvest. In fact, I am achieving one of my long-held goals today as I am heading up to Jewell to ride a combine with my good friend Roger Oplinger as Spring Creek Family Farms continues their harvest. Roger, along with his wife Barb (a longtime Farmhouse fraternity house mom!), and their daughter and son-in-law Ky and Todd Zenger are loyal K-State Wildcats and representative of the world-class agricultural producers of our state. You can check out some of my photos from the day on Instagram (john_curriead) and Twitter.
I hope everyone has had an enjoyable summer so far – it's hard to imagine we are already closing in on the month of July. Let me continue today by congratulating Kim Williamson on becoming a National Champion in the high jump at last week's NCAA Track and Field Championships and also to both teams as our women finished tied for seventh and the men 26th in the final team standings. It will be an exciting summer following the Olympic Games in Brazil with many current and former Wildcats participating. And congrats to NCAA Indoor Champion and Big 12 Scholar Athlete of the Year Dani Winters on recently being named a candidate for the NCAA Woman of the Year award!
Coach Rovelto Ready to Don the Red, White and Blue
In addition to many of our current and former student-athletes preparing for Rio, our own Cliff Rovelto will be one of 10 total full-time Team USA coaches this summer in Rio as he will lead the men's jumps and combined events. He is one of only three college coaches on the men's Team USA staff and has remained one of the most respected high jump coaches in the world. We wish Coach Rovelto and all current and former Wildcats the best of luck this summer representing K-State, the United States and other respective countries! Click here for our recent Sports Extra story on Coach Rovelto.
Stay Tuned for Phase 3B Video Tour Update
On Tuesday I had the opportunity to tour our Phase 3B project with K-StateHD.TV producers Preston Koerner and Dakota German – stay tuned later this week for a video feature and tour on the progress. I know those attending the Wildcat Kickoff concert featuring Zac Brown Band and Train and of course our six home football games beginning September 17 will be blown away by our new northeast corner videoboard which towers over the new showcase stage for the Pride of Wildcat Land Marching Band and 360-degree concourse. We anticipate another season sellout for football, extending our home streak to 33 straight sellouts, and ticket sales have been great so far. Single game tickets and combo ticket packages are now on sale, so contact our ticket office at 800-221-CATS or visit k-statesports.com for more information. Reserve your spot now to be a part of the best gameday atmosphere in college football which includes the #1 Pregame Tradition in the Big 12 – the Wabash Cannonball!
Meet Corbin McGuire, our New K-State Sports Extra Senior Writer
Also on our tour was Corbin McGuire, who recently took over as our Sports Extra senior writer. This position has been a valuable addition to our department as we continue to find unique and personal stories to tell about not only our student-athletes but also our coaches, staff and department as a whole. Be sure and sign up for these daily email updates by clicking here, and help me welcome Corbin – a 2014 K-State graduate – to the Wildcat family!
Football Update: Colorado and Washington State added to Future Schedules
We have finalized contracts for two additional non-conference football games for upcoming seasons with home-and-home series with former conference foe Colorado (2027 and 2028) and Washington State (2026 and 2029), giving us four more games against other Power 5 programs. Stay tuned for additional schedule updates as we continue to finalize future dates with opponents that fit our philosophy and make the most sense for K-State, which includes an ultimate goal of seven home games per year. Here are our upcoming out-of-conference matchups as of today:
2016 – at Stanford; Florida Atlantic; Missouri State
2017 – Central Arkansas; at Vanderbilt; Charlotte
2018 – South Dakota; Mississippi State; UTSA
2019 – Presbyterian; Bowling Green; at Mississippi State
2020 – TBA; Buffalo; Vanderbilt
2021 – Stanford; TBA; TBA
2022 – Abilene Christian; TBA; TBA
2024 – Arizona; TBA; TBA
2025 – at Arizona; TBA; TBA
2026 – Washington State; TBA; TBA
2027 – at Colorado; TBA; TBA
2028 – Colorado; TBA; TBA
2029 – at Washington State; TBA; TBA
"Untitled" Men's Basketball Video Series Premieres to Rave Reviews!
We have had terrific feedback from our Catbacker crowds regarding our student-athletes and how they represent our university in a first-class manner. Every one of our student-athletes has a story and I encourage you to watch the "Untitled" basketball video series – produced by K-StateHD.TV's Jay Moline. The latest of these videos was released on Tuesday as our staff "went home" with Kamau Stokes to take a closer look at his path to K-State. And if you haven't already seen, the previous features on Barry Brown and D.J. Johnson were off the charts!
Joni Smoller Named President of NACMA
It has been a summer filled with staff recognitions for America's Model Intercollegiate Athletics Program, many of which I have covered in previous letters. Most recently, Assistant A.D. for Fan Experience and Sales Joni Smoller was appointed President of the National Association of Collegiate Marketing Administrators (NACMA). Joni has done a wonderful job of leading our fan experience and sales department and been instrumental in our current 27-game sellout streak at Bill Snyder Family Stadium. Congrats to Joni on this terrific honor which is more special since it is voted on by her national peers.
West Stadium Center Named Top 20 Sports Destination for Weddings
And speaking of recognition, WeddingWire chose the West Stadium Center out of more than a thousand venues as of one its 20 winners of the 2016 Editors' Picks awards for the best sports themed venues for weddings. Just another step in our quest of being a Model Intercollegiate Athletics Program and building the K-State brand!
Monday is the priority seating deadline for volleyball season tickets, so be sure and secure your place in Ahearn this fall for what will be an exciting volleyball season. That's it for today. I hope everyone continues to have a safe and enjoyable summer, and we appreciate everything you do for Wildcat Student-Athletes.
Go Cats!


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I am a 51 year old white female. I had pain in the upper left quadrant of my abdomenal (Directly under my rib cage) a few months ago. Mostly it was a feeling of pressure and it was constant. After a few months I finally went to the hospital. They removed my Gallbladder. That did not relieve the pressure or pain. One month later I was back in the hospital for exploratory surgery. The surgeon found a very large dilated bowel loop next to where I had had a bowel obstruction 25 years ago. Bowel obstruction followed days after a hysterectomy. Anyway, he did a bowel resection, but still months later I have upper left hand abdominal burning, bloating, nausea without vomiting, and gas that just won't move. In one test I had done it showed "bowel gas pattern is not completely normal." I believe that was on an x-ray. I have had all the scope work done upper and lower. I was told it looked like I had diverticulosis, and gastritis along with some adhesions. I have had the small bowel series test 4 times and 3 CT scans. The CT scan showed mild ileus. I have been tested for H pylori, negative. I did have an appendectomy and mesenteric adenitis at the age of 12. I have put on about 20 pounds since the onset of this problem, although I have lowered my calorie intake by almost half I keep putting on weight. So I am about 30 pounds over weight. For the past 25 years I have been exceptionally healthy. My doctor today said I have IBS, but I'm not constipated nor do I have the runs. Having a bowel movement does not relieve the pain. What do I do? He wants to put me on anti-depressants for the pain, and said I just need to live with it. I had an appointment to have the endoscopy pill, but my GI doctor said he did not think this was a good idea because it could get stuck where I have adhesions. I brought up Intestinal Pseudo-Obstruction, but again he said no. The pain has changed since the bowel re-section. Where there was pressure there is now more of like an "Indian burn, like kids would do on your wrist." Instead of being in one place it now moves up the left side, across my stomach and down the right side. I am nauseated more often and have pain in my back right between my shoulder blades which mostly feels like gas, but can really be painful at times, almost like I have been punched. My bowel movements have changed to being long pencil-like. At present I am taking Chlordiazepoxide Clidinium Caps, Protonics, Galviscons and Requip for my restless leg syndrome. Please help......READ MORE
I have burning in my stomach. Doctor says it' IBS. Could he be right?
This question has not been answered by one of our experts yet.
I don't have the answer I am not a Doctor, I'm a 36 year old female, But I do have the same symptons I been to emergency rooms constant, i believe they think it's all in my head, I was diagnosed with diverticulitis two years ago, it was determined through a colonscopy and and a barium enema. I have constant pain even though I changed mt diet and a warm flushing feeling that runs down my left side of stomach, sometime I feel I will leave this earth every times it happens, my anxiety is high and I 'm told also sort of speak live with it I will like more extensive test done, because now I cant tell if it's my back or stomach I'm showing the same symptons with that burn, Oh and my left stomach make loud noises all day long it is driving me nuts, Well I hope things work out for the both of us "Isaiah 33:24" Pslams 83:18 in Chicago. IL.READ MOREYou should know Answers to your question are meant to provide general health information but should not replace medical advice you receive from a doctor. No answers should be viewed as a diagnosis or recommended treatment for a condition. Content posted by community members does not necessarily reflect the views of Remedy Health Media, which also reserves the right to remove material deemed inappropriate.DISPLAY TEXTLINK URL
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When developing their business plans for investors and lenders, there are lots of mistakes that entrepreneurs make. Here are the 5 biggest:
1. Forgetting that Your Business Plan is a Marketing Document
On of the key goals of your business plan is to convince lenders and/or investors to fund you. As a result, you need to think of your business plan as a marketing document.
In brief, think of your business plan as a brochure versus a product manual. A brochure gives high level features and benefits and gets people excited. Conversely, a product manual provides tons of details (which are often boring) and is generally hard to read.
Use your brochure/business plan to excite the reader so they agree to meet with you. During the meeting, you can provide additional details they want to know.
2. Failing to Prove Your Case
The second common business plan mistake is not adequately proving your case. Just like a lawyer has to prove his or her case, your business plan should prove the case as to why an investor or lender should fund you. There are two key ways to do this.
First, show why you are uniquely qualified to succeed in your business. For example, maybe you and/or your management team have unique expertise and experience. Or you have a unique and patented product. Or maybe you are first to market. Or maybe you have already secured critical strategic partnerships. Identify these key reasons and include them in your plan.
Second, include market research that proves your ability to succeed. For example, show how big your market is. Show how market trends support (or at least don't hurt) your business' success prospects. Detail who your customers are and their needs. And show you understand who your competitors are and their strengths and weaknesses.
3. Not Clearly Describing Your Business at the Start
Too many business plans fail to clearly describe the business at the very beginning of the plan. This is a critical mistake, because if readers are confused after the first paragraph, they often won't continue reading.
So, rather than starting your plan with a long story, start by clearly describing what your business does so readers "get it." Then, you can explain why it will succeed, the origins of your idea, etc.
4. Using Lots of Superlatives
Using too many superlatives turns off most investors and readers, and when unsubstantiated, hurts your credibility.
Specifically, avoid superlatives like "best," "greatest," "most powerful," etc., unless you can back them up. For example, saying that you have the "best management team" will turn off many investors.
Rather, you should say something like, "our management team has the experience, skills and track record to successfully execute on our plan. Among other things, our management team has [and then list the credentials of your team]."
5. Trying to Answer Every Question
The final mistake that most entrepreneurs make in their business plans is trying to answer every question in them. The solution, rather, is to answer the key questions, but not all the questions.
Similar to the above mention of how your business plan should be like a brochure, your plan should not answer every conceivable question readers might pose.
Rather, answer the big questions that will get readers excited about your venture, proves you really understand it, and influences them to invest more time meeting with you to discuss further.
During the meeting you'll have the opportunity to fill in the details, which are often different for each potential funding source.
Avoid these five mistakes in developing your business plan and you will have much more success completing your plan and using it to positively influence funding sources.
Every successful business requires a lot of planning. From market research to internal corporate structure, the planning stages of starting and growing a business can be quite extensive. While this preparation is a key factor in the success of any company, there are a few things which far too many business owners neglect. Planning for success and growth is important, but smart businesses are also prepared for the worst case scenario.
Situation #1: Disability
No matter what a business may do, if it has employees then it needs to consider disability insurance. Accidents happen every day and they are not restricted to those jobs which would traditionally be considered dangerous. Even in an office environment, for example, there is a potential for an employee to be injured (perhaps outside of their work activities).
When an employee is injured while on the job, the company may be personally liable for medical bills and worker's compensation payments. This is why disability insurance is so vital. If something like this should happen, the insurance will cover any bills and fees for which the company will be responsible.
In addition to insurance, a smart business owner will spend time on succession planning. There is no telling who might be injured and it is entirely possible that this person is the business owner.
What will you do if you cannot run your business - temporarily or longer term? Do you have the right disability coverage to protect your income? Do you have people who are trained and familiar with different parts of the business so they can be called upon to pick up where you left off?
Situation #2: Natural Disasters
One thing which can rarely be predicted is a natural disaster. Regardless of where a business is located, there is the possibility of one natural disaster or another. Whether it is earthquakes, floods, fires or tornados, these disasters can literally destroy a company.
This is why disaster insurance is so important. It may seem unnecessary to pay for insurance for something which might never happen but, when it does, this insurance will be the difference between a temporary setback and total destruction. Smart business owners need to know what types of disasters are possible and find insurance which covers them completely.
No, this article is not about promoting insurance. It's about making sure you have the protection you need to keep your business operating and your income flowing.
While disaster insurance will help cover the financial aspect of such a catastrophe, contingency planning is equally as important. Rebuilding a business can take months and work should not stop during that time. A good business owner will have a contingency plan set up which allows the company to continue, even if an entire physical location was lost.
When reasonable for the business model, redundant operations, back-up equipment, data back-up, and/or employees/contractors in other geographical areas are critical components to recovering from and/or minimizing the impact of a natural disaster.
Situation #3: One Revenue Stream
One of the biggest mistakes many businesses make is relying too heavily on one customer or revenue stream. Most companies will work with different clients and customers, but may rely on one specific client for the majority of their revenue. The problem here is that the loss of this client can mean a sudden loss of the majority of a company's revenue.
Just as anything can happen to a business, the same can happen to clients and customers. Relying too heavily on one specific source of revenue is a recipe for disaster. Smart business owners will focus on diversifying their revenue sources and creating a situation where the loss of any one source only represents a small loss of overall income.
If you don't have the resources to handle more clients, create a client back-up plan. What accounts or work-streams can you quickly put into action if you lose your main client? If diversifying pushes to outside of your production capacity, always have other work lined up to fill any vacuums.
Landing a big client may make you feel like you can take a break from marketing and customer acquisition. But beware of this false sense of security. Every day, dozens of businesses, from small to multi-national corporations, close their doors because they lost their main account. Remember the old adage; don't put all your eggs in one basket.
Situation #4: Data Loss
We live in the information age and nearly every business relies heavily on stored data. This can include, among others, payroll records, inventory systems, emails, documents, and even client contact information. This data can be so important to the success of a company that the loss of it can be just as damaging as any natural disaster. With technology constantly changing, this sort of data loss is a very real possibility.
Smart business owners plan for this problem. Much of the stored information will be confidential and having it fall into the wrong hands can have far reaching consequences. It can open a business to lawsuits from clients and make your business liable for paying damages to hundreds if not thousands of clients.
A business's data and information needs to be protected through proper security measures and backed up in multiple ways. There are many online options from Google to specialty companies that can do this for you. If you are in a regulated industry such as healthcare or real estate, you have a legal obligation to store documents in a specific way for certain number of years.
Situation #5: Regulatory Changes
Speaking of regulations, most businesses have to follow certain laws and compliance guidelines. These can govern nearly any aspect of what a business does. The problem is that many of these regulations can change over time. These changes can be unavoidable and are often unexpected. As new politicians are voted into office and the economic climate changes, the rules for doing business will also change.
Smart business owners will familiarize themselves with the laws and regulations related to their business. What many of them fail to do, however, is plan for changes in these regulations. A business that refuses to be dynamic and able to adapt to such changes is one which is precariously close to disaster.
For example, in 2011 there were far reaching changes made by the FCC that drastically affected how a telemarketer could get access to calling lists and contact consumers. Businesses that didn't adapt in time where shut down by the FCC. Only those businesses that made sure their business model could survive the new operational restrictions survived to dial another number.
How to Protect Your Business
Planning for negative possibilities can be stressful. And it is impossible to predict all of the threats facing any business. Fortunately, there are a few simple steps any business owner can take to protect themselves from these problems.
Take the time to review your business model and assess your risk in these 5 categories. Then start by mitigating your biggest risk. Work your way down the list so that within 90 days, you are completely protected.
These are relatively simple steps which any business owner can take. While there may be no way to predict the future, proper planning can help turn a major problem into a minor inconvenience.
You have the power to protect your business and your income. Not only will these steps help protect your business; they will help you sleep a little more soundly.
July 1 is a critical day in your business. Because it's the day that officially starts the second half of 2013. That's right, the year is already half-way over.
So right now is the PERFECT time to take an honest look at your business, see how much progress you've made so far this year, and develop your plan for the rest of 2013.
There are three things I strongly suggest you do on July 1 as follows:
1. Give Thanks
I hate to sound too righteous, but I recently watched 'Girl Rising' on CNN. The show "documents extraordinary girls and the power of education to change the world." While this description seems and is uplifting, some of the struggles of the girls profiled seemed unbearable.
In particular, the segment detailing the lives of most girls in Afghanistan left me crying.
So, please take a moment to understand how lucky you are. Lucky that you are even able to run a company and control your destiny.
2. Assess Your Results from the First Half of the Year
You must assess your results from the first half of 2013. Start by looking at your goals and plans for the first half of the year. And then look at your results.
In assessing your performance, the key question to answer is "why?" For instance, if you didn't achieve your revenues goals, what obstacles prevented your success? And, how can you overcome those obstacles going forward.
3. Create Your Goals & Plans for the Second Half of the Year
Now it's time to detail your goals and plans for the second half of 2013. Hopefully if you over-estimated your goals for the first half of the year, you can now do a better job of understanding what is more realistic to achieve in a 6-month period.
Think about this question: what must I accomplish in the next 6 months to make 2013 a great year?
Use this question as a guide in documenting your goals for the next 6 months and detailing your plans for how you will achieve them.
Remember, you still have half the year left. So even if you didn't achieve enough in the first six months, there's plenty of time left to make 2013 a banner year.
But importantly, make sure you set goals for the rest of the year, and have a way to measure your progress on them. If you don't, as some of you unfortunately just learned over the last six months, you won't achieve the success you desire.
On April 4th of last year, the JOBS Act was signed into law. As part of the JOBS Act, equity-based crowdfunding was made legal in the US.
However, before entrepreneurs could start using equity-based crowdfunding, the SEC had to write the specific rules governing it. The SEC was given 9 months to write those rules; they were due on December 31, 2012. However, the SEC failed to meet that deadline.
And, even a year later, on the anniversary of the JOBS act earlier this month, the SEC still hadn't finalized the rules. The good news is that any day, they will. The bad news is that "any day" could mean tomorrow, or possibly 3 to 5 months from now.
Below I'll give you the run-down on Crowdfunding, and also the types of Crowdfunding you CAN raise today.
What is Crowdfunding?
Crowdfunding is getting a group of regular individuals (versus banks, venture capitalists or angel investors) to collectively fund your venture.
What are the 3 Core Types of Crowdfunding?
There are three core types of Crowdfunding.
The first is debt-based Crowdfunding also known as peer-to-peer lending. This is offered by sites like LendingClub.com and Prosper.com. On these sites, entrepreneurs (and individuals) can solicit loans from other individuals. Because they are loans, they must be paid back. Generally these loans are capped at $50,000 per year.
The second type is equity-based Crowdfunding. In this type of Crowdfunding individuals who give you money become investors and own equity in your company. Equity-based Crowdfunding IS legal today, but only when the funders are accredited investors (which entail them meeting certain criteria such as having annual incomes exceeding $250,000).
The final type of Crowdfunding is donation-based Crowdfunding. This type of Crowdfunding is the most popular and is offered by sites including Kickstarter.com, RocketHub.com, IndieGoGo.com and several others.
Donation-based Crowdfunding is my favorite since you neither give up equity nor have to repay the debt you receive. And it's MUCH easier to raise since there are tons more potential funders than funders of debt-based or equity-based Crowdfunding. For example, there are over 3 million registered users on Kickstarter.com.
However, there is an important caveat with donation-based Crowdfunding. Which is this: generally people don't donate money to your cause simply out of altruism. Rather, the companies who have successfully raised donation-based Crowdfunding offer rewards in return for donations.
Specifically, these rewards typically include the product or service the company intends to produce and/or offer. For example, San Francisco's Peter Dering wanted to raise money for a new product he conceived called the Capture Camera Clip System (an accessory for photographers that secures their cameras to their other gear).
So, as a reward to those who donated $50 or more, he promised to ship them the Capture Camera Clip System product when it was developed.
So, as you can see, this type of Crowdfunding is essentially pre-selling your products or services to your customers. Which is really the same as customer financing, which has been around for a while. But, with the internet, it's so much easier to reach tons of prospective customers.
What I also love about donation or rewards-based Crowdfunding is that it is amazing market research. I mean, if customers are willing to buy your product or service before it's even available, you clearly have a winner on your hands.
Which form should you choose?
In choosing the right type of Crowdfunding, here are my guidelines:
Debt-based Crowdfunding: You can raise up to $50,000 on both LendingClub.com and Prosper.com via this type of Crowdfunding. To do so, you will need a good credit score. So, if you have a good credit score, need less than $100K, and you will be able to generate profits pretty quickly that allow you to make the interest payments, then consider this funding source.
Equity-based Crowdfunding: If you require over $250,000 to launch or grow your venture, and the market for your venture is B2B customers (not consumers) and/or you can't immediately provide rewards for funders (e.g., you need $500K to further develop your new technology that might take another 2 years to fully develop), then I like equity-based Crowdfunding. You can either wait for the SEC to finalize its rules, or consider a site like Crowdfunder.com which allows you to raise it from accredited investors.
Donation-based Crowdfunding: If you have a consumer based product or service (or store), then I love donation-based Crowdfunding, because your investors are also your customers. Since this form is legal, you can go out there today and attract hundreds or thousands of investors. And when you do, you also have a built in customer base to buy from you long-term.
In summary, even though equity-based Crowdfunding to non-accredited investors is still not legal, there are other Crowdfunding options you can use today. So, if you need funding now, there's no need to wait.
Today's article was written by my son, Max. Max is 12 years old. I did not edit the article at all. He wrote it for his seventh grade English class.
I personally was inspired by his article. And it made me think about you and all the other entrepreneurs I strive to help succeed. As entrepreneurs, we will experience countless ups and downs. And throughout this process, we need to stay optimistic and have a positive attitude. And we need to enjoy the journey as much as the destination we hope to achieve. Maybe Max has the answer to this.
"This I Believe"
by Max Lavinsky
"LIVE FROM NEW YORK... ITS SATURDAY NIGHT!" The jazz music starts blaring, and I'm in New York City surrounded by mobs of people, walking briskly to where they need to go. I see the faces of hilarious comedians like Bill Hader and Jay Pharaoh. I feel like I'm living in a carefree world. I believe in Saturday Night Live. It can teach us more meaningful lessons than you would expect.
As a young child I had always heard from my parents about this hilarious show called "Saturday Night Live." I can remember being shown little clips of skits from time to time. I instantly fell in love with them. I dreamed of the day when I could watch a full episode, or go into New York City to see a show live. This first time I was able to fulfill this dream, I was in the fifth grade. I had a fever, and I was home from school. I was going in and out of sleep when my mom came in and told me that I could watch something. I turned on the TV and came across Saturday Night Live. Without any hesitation, I turned it on and started watching. Jim Carey was hosting, and in my opinion he is one of the funniest actors ever. In the next hour, I laughed more than I normally would in a month. I forgot about all of my pain. It was crude and offensive, but I couldn't seem to wipe the smile off of my face. After the show ended, I wanted to keep watching.. I had to turn it off of course, but I knew I had just found something I loved.
After having watched Saturday Night Live, I look at everything a little bit differently. The glass is always half full. There is always a little bit of sun peeking out between the clouds. Now, I tend to laugh more. It has also taught me deeper and more important lessons, though. Saturday Night Live can be racist, bias, use terrible stereotypes, and just be flat out horrible. While this is certainly a bad thing, there is some good. It teaches us to laugh at ourselves, and to be able to deal with getting made fun of. This is a skill that many people lack, and it makes them uptight, and without a full sense of humor. If everyone was able to laugh at themselves, maybe nobody would fight. Maybe, we could all live in peace. Maybe, if we could just do something as simple as laugh at ourselves, our world could be perfect. To think that Saturday Night Live could make a perfect world may sound outrageous, but it is not. Things as little as a TV show can change us. To some people that seems irrelevant, and it did to me once. But that of course, was before I watched Saturday Night Live.
So Saturday Night Live definitely has its cons. But while it embarrasses and offends us, it teaches us how laugh at ourselves. Will Ferrell once called Saturday Night Live a "comedy boot camp" because it teaches us how to have a sense of humor and appreciate comedy. So try something new. Watch Saturday Night Live and laugh.
For the past 5 years, I have been part of several mastermind groups that have helped me dramatically grow several of my own businesses.
Below I will explain to you what mastermind groups are and how they can benefit you and your business.
What is a Mastermind Group?
As you may recall from last year, the Jumpstart Our Business Startups Act (called the JOBS Act) was passed and signed by President Obama in April, 2012.
The JOBS Act makes equity-based crowdfunding much easier
The JOBS Act makes it possible to raise funds from investors and donors through certain crowdfunding sites in exchange for equity in your company.
This was supposed to start on January 1st 2013. (more on this below).
The key to the JOBS Act is this: it opens up more possibilities in equity funding without the tedious requirements to register your funding as a public offering with the Securities & Exchange Commission (SEC).
If you have tried to raise funds in the past by going the public offering route, you'll know that it's expensive. Being able to bypass all that is huge, especially if you are raising smaller amounts of funding that don't justify such expenses.
The passing of the JOBS Act also means you won't have to seek out accredited investors specifically (people with incomes of $200,000 or more, or a net worth of $1,000,000 or more-not including their residence). Rather, you will be able to get funding from people of all income ranges, which makes the pool of potential investors MUCH bigger.
Imagine how many regular people are out there, who might want to reallocate some of the funds they already have invested in savings, stocks, mutual funds, or other investments that aren't paying so well at present. In the future, funding other businesses might be a much more common way to diversify your capital-that anyone can do and not just accredited investors. Even you!
So, what's the latest?
As mentioned above, equity based crowdfunding was supposed to go live on January 1st 2013. This was predicated on the SEC writing the crowdfunding regulations by December 31 2012 like they were supposed to.
But this never happened. The two key issues regarding why this didn't happen were: 1) a lack of consensus within the SEC decision-makers about the regulations, and 2) the recent resignation of the former chair of the SEC.
Both of these issues are expected to be resolved with the recent appointment of Mary Jo White to head the SEC. White is one serious woman - her career includes serving as the New York prosecutor who brought down John Gotti and put many terrorists in jail.
So, it is expected that within the next 60 to 90 days that Mary Jo White will take the helm and help the SEC write the regulations that make equity based crowdfunding legal in the United States.
How can you prepare for this now?
If you want to raise equity capital later this year and beyond, here's a quick list of things you can do now to be ready when the time comes:
Broaden your network
One advantage crowdfunding sites offer you is having access to more investors and donors than there already are in your personal network. These sites generate their own traffic, and a percentage of your funding will come from people searching those sites or stumbling across it.
As it turns out, enough projects have been successfully funded (using the donation-based Crowdfunding model, not the equity-based crowdfunding model) for experts to be able to look back and say that your project is much more likely to be successful if the first quarter to third of the funding comes from your existing network first. Reason being, they are the ones most likely to believe in and trust you already, and strangers want to see some social proof and credibility in advance before they jump on board.
Deepen your relationships
Do this for the same reason I mentioned above-to get the ball rolling on your funding from your existing contacts. So in the coming months, you should be out seeking new relationships and strengthening the ones you have-specifically with those who are more likely candidates for funding you, or those who are in a position to spread the word for you.
You don't even have to mention funding during this time. Just spend the time necessary to confirm that they have the means and would be interested in your project, while at the same time showing your willingness to serve them and build trust and experience together.
If you're already in business, keep growing it
As with any kind of funding, you will be in a much stronger position to ask for funds if you can demonstrate success in the past. You will have more data available to work into your plan and forecast. And, people want prefer to invest in something that looks like a sure thing-with the least uncertainty. So keep doing what you're doing and you'll be able to show prospective investors your first-half 2013 financial statements and smile.
Work on your business plan
Also, as always, have a solid plan for how much funding you need, how you will spend it, and what effects it will have on your operations and revenues. People want to lend to someone who has thought things through and looks less likely to run into unforeseen problems-especially strangers online! Remember that.
It will also take some time to craft your presentation and pitch. If you plan on using a slideshow or video of some kind (or even just writing it out on your project's page), it will take some time to put that together in advance. But, it's something you can be doing now.
So there it is...equity-based crowdfunding is one more way to get the funds you need to launch or grow your business. Stay tuned to the developments (you'll hear them from me) and prepare for funding like you normally would. This might just be the key to your company's growth!
Suggested Resource: Do you want Crowdfunding? If so, don't try to raise it from scratch -- the 14-step blueprint already exists. Get the Crowdfunding blueprint here.
An effective marketing plan is necessary to grow your business. Among other things, the right marketing plan details your target customers, your unique selling proposition (USP), and your pricing strategy.
And importantly, your marketing plan covers the "channels" you will use to get new customers (known as your "promotions strategy"). These channels include, among others:
While most of these channels require advertising dollars, there are some additional strategies you can employ that are low or no cost. Four such strategies are detailed below.
1. Get To Know Your Competitors
Regardless of what you're selling or the services you provide, you must know how your competitors are doing it. Why? Simple. Because you want to do it better-or at least not get left behind!
Visit their brick and mortar stores to see what they are doing differently this year. And/or take a real close look at their websites and blogs to see what they're doing and the customers they're serving.
Sneaky Tip: When visiting a competitor's blog, make sure to leave high-quality comments on a number of posts. By doing this, you can also mention your website directly or perhaps just indirectly through the Name and Website fields (they turn into a link when your comment is posted).
Once your comment is approved, everyone who sees your comment will be able to click on your link and visit your website.
2. Create Some YouTube Videos
I recently met with representatives from Google who presented some very interesting information to me. Including the fact that more and more consumers and businesses are relying on video in their decision-making process.
Specifically, more and more people are searching YouTube for videos when thinking about making a purchase. And they showed me specific research stating that "1 in 3 small businesses purchased a product or service as a result of watching the related video."
Which means that you need to create videos.
Importantly, these videos can also bring you a flood of new customers.
Here's an example. I created a video entitled "How to Write an Executive Summary for a Business Plan." On YouTube alone it's been viewed nearly 27,000 times. Here's the link: https://www.youtube.com/watch?v=gLAZpFKRgUg
Once again, I haven't shared this video 27,000 times. Rather, people are finding it by searching Google, searching YouTube, social sharing, etc.
3. Use An Effective LOCAL Search Engine Optimization (SEO) Strategy
An effective search engine optimization strategy will get your website on a top position in the search results pages of all the major search engines, such as Google, Yahoo, and Bing.
While ranking at the top of the search engines on generic phrases (like "business plan") is hard, ranking on these phrases locally is a lot easier.
Essentially, all you need to do is choose the keyword or phrase that best describes your business, add your city or area name, and use it in texts that you post on your website (e.g., Business Plan Development Chicago IL).
Your keyword or phrase should appear in the URL of your website and it has to show up in its meta description tag. For example, even though we don't have an office in Chicago, IL, this page on the Growthink website ranks near the top of Google's results for searches on "Business Plan Development Chicago IL" - http://www.growthink.com/businessplan/help-center/chicago-illinois-business-plan-writers
4. Write Newsletters And Send Them To Your Contacts
Keeping in touch with your customers is critical if you want your business to blossom. Information is crucial nowadays. Therefore, make sure that you keep your customers informed with regard to your products and services.
Some businesses do it with a print newsletter, which is fine if the business you generate is worth the costs. But an email newsletter is a much less expensive and time-consuming way to start.
Invite people to subscribe by offering a small discount or freebie, if they are willing to provide their e-mail address. After that, any message you send them is free advertising!
This does not mean that you will have to send a weekly newsletter-they might not be that interested. Instead, write a newsletter with the sole purpose of informing your customers about new products you are adding to your current offer.
Make sure that you mention discounts and advantages. Send these newsletters weekly or monthly at first (but it is better to under promise and over deliver). This will show your customers that your business is serious and it will help create a long-lasting relationship with your clientele.
In conclusion, add these 4 strategies to your 2013 marketing plan, and start rapidly growing your business.
Suggested Resource: Growthink's Ultimate Marketing Plan Template allows you to quickly and expertly create your marketing plan. This template includes multiple proven strategies for attracting new customers and dramatically boosting your sales and profits. Click here to learn more.
One of my friends works for a multi-billion dollar cable company. And his role is extremely interesting. Specifically, he's charged with figuring out what the company needs do to now so that it will be competitive ten years from now.
Imagine that? 10-year planning. For most businesses, it's inconceivable to do this. But for a cable company, it could take years to implement changes such as installing cables to hundreds of thousands of homes. So, he spends his days researching, analyzing and theorizing over what the world might look like in 10 years and what the company needs to do today to start preparing for it.
And I'd like to think that he, and perhaps those before him, have done a great job at this. Because while 10 years ago I only use my cable company for television service, today I pay my cable company for television, internet access and phone service.
Break-Even Thinking Doesn't Work
But what about your business? Do you need to plan 10 years into the future? The short answer is "no." But it's important to point out that any planning is significantly better than no planning.
In fact, for most small businesses, planning generally tends to be more along the lines of thinking "what do I have to do to have enough revenue to pay the bills for the next month?" Missing from this thinking are the critical long-term decisions and directions on how to grow the business, increase its revenue, and expand market share.
And what inevitably happens is this: if your immediate focus is just trying to break even, your business often ends up just struggling rather than growing.
The solution is to develop a five-year plan, and using it to guide daily operations.
How It Works
A five-year plan is not a set of financial pro-forma statements and twenty pages of text and history on your company. Rather it must incorporate real thinking about 1) what goals you want your company to achieve, and 2) what goals every key division of your company must achieve.
Specifically, you must document the revenues and profits your company seeks to achieve in 5 years and then set similar goals (with different metrics as appropriate) for each operational area (e.g., marketing, fulfillment, etc.).
This in turn becomes the basis of the roadmap you'll use to grow our organization.
Use The Map
Ironically, after putting considerable time and effort into building a 5-year strategic plan, many business owners and managers never look at it again.
To avoid this, work backwards and document shorter term goals. Let me explain. Now that you know what you need to achieve within 5 years, determine what you need to achieve this year in order to make solid progress towards your 5 year goal.
Next, figure out what you must achieve this quarter to progress to your annual goal. You can break this down even further to figure out what you must accomplish this month to reach your quarterly goal.
This process allows you to set monthly goals that progress your business. Document these goals and share them with your team so you can accomplish them.
And importantly, use these short-term and long-term goals in your daily decision making. For example, is forging a relationship with a new partner in line with your goals? Or is it another distraction that will take time and prevent you from reaching them?
Also, use the shorter-term goals to measure your success. Are you meeting revenue goals? Do you have the amount of clients you projected for this time of the year? Use objective measurements that will not allow you to fudge your results. Your shorter-term goals give you a black and white, hopefully not red, assessment of where you stand in accordance to your goals.
The Benefits
Keeping your five-year plan alive is like having an up-to-date, accurate map of a foreign city when first walking its streets. It allows you to not just think about breaking even, but to reach specific performance targets and goals.
When people have a clear idea what to strive for and how to get there, even when challenging, they perform better. That translates to improved operations which also eventually improves revenues and profits for your company.
A five-year plan and periodic short-term goals also does away with complacency. When a business is in the "break-even" mode, it's only thinking about the immediate demands, never pushing to do more than just what's needed to meet the given threshold. Processes become routine and complacency sets in.
Your 5-Year Plan Must Be Updated
It's important to remember, however, that your five-year plan needs to be updated regularly. Markets, environments, customers and regulations change over time, all of which have an impact on a business and its profit margins. For example, the recent healthcare laws enacted by the federal government impose new health plan requirements on businesses of a certain size. Clearly, businesses did not consider this regulatory change in their five-year plans back in 2010.
So, update your five-year plan annually to reflect new changes, new ideas and new goals.
Finally, your five-year plan is only as good as the effort you put into it. The components, goals and targets have to be well thought out so as to be realistic and achievable. When you do this, and when you break down your 5 year goals into annual, quarterly and monthly goals, you will know precisely what to do to grow a thriving business. For help with this process, download my strategic planning template.
This is a true and pretty ridiculous story that happened to me at my first job. It was about 20 years ago and I was working at a market research firm.
After working in the job for nearly 6 months, I had an idea for a new product. You see, our company had been selling access to a large database of information to our clients. My idea was to better package the information.
Specifically, my idea was to create pre-defined reports from the information that allowed them to access key
pieces of data quickly and easily. This would not only help existing clients, but it would open the door to new clients who only wanted the specific information rather than paying for full database access.
Instead of asking approval to launch the new product, I used my spare time to actually create it. I then showed it to the VP of my division.
So what do you think happened?
I got yelled at.
Seriously, the VP was angry at me. He questioned my immediate boss as to what
I was doing and why I had invested time in creating something new.
Obviously this was not a very entrepreneurial company.
But what I found most interesting about the event was how much face time I
got with the VP.
You see, that VP was what I consider to be a "stealth manager." That is, he pretty
much sat in his office, door closed, day after day after day.
So he really had no idea what everyone was doing. So he didn't know that I created
the new product after hours, and that between 9 and 5, I was accomplishing all the regular tasks assigned to me.
In fact, he didn't know much about anything that was going on.
And the result -- the employees were not inspired. We were not motivated. We lacked a clear vision of what the organization was trying to achieve.
And all this resulted in lackluster performance.
We didn't go out of business. But we certainly weren't growing like gangbusters like we should have been.
Think about your days. Are you a stealth manager? Are there others at your organization who are stealth managers?
Stealth management doesn't work. Effective leaders and managers walk around and speak to their employees. They listen to them. They inspire them. Because effective leaders know that it's the employees who make or break their companies. They (the leaders) are the conductors of the orchestra -- without the players (the employees), there is no music.
Here are 5 things you can do TODAY to quickly break out of the "stealth manager" mode (and make your team more productive).
1. Walk around the office
Simply walk around to see what everyone is up to. Don't make it seem like you're Big Brother checking up on them. But rather, be very casual about it (the next points will give you some talking points to help with this).
2. Ask people what they are working on
Ask people what they are working on, and then really listen to their answers. Ask them why they are completing a task a certain way, and as appropriate, suggest another way they may accomplish it. Not only will they appreciate this mentorship, but you could improve their performance.
3. Tell someone/several people they're doing a good job
Tell at least one person that they're doing a good job. Let them know you found real value in something they accomplished recently.
4. Buy cookies
I don't know many people who don't like cookies. Come back from lunch with cookies, and either hand them out or put them in a main area. In either case, let everyone know that you bought them "just because." Even those on a diet who refrain from eating them will appreciate the gesture.
5. Picture each of your team members as they looked when they were toddlers
This will force you to smile when you see them. And that smile alone will brighten their day.
Great companies are not built by one entrepreneur. They are built by entrepreneurs who inspire their employees to accomplish great things. Make sure you keep this top-of-mind, since if your employees don't succeed, neither can you.
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The effect of structural irregularities in photonic crystal fibers on scalar and vector modulational instability (MI) processes is studied by numerical simulations and experiments. For an anomalous-dispersion regime pump, variations in core ellipticity as small as 0.5% over length scales of the order of several meters are shown to have a negligible effect on scalar MI, yet they completely suppress vector MI. In contrast, for a normal-dispersion regime pump, vector MI is shown to be robust against such fluctuations.
© 2004 Optical Society of AmericaFull Article | PDF Article
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Protecting your ground waterserving oregon & washington since 1918air/mudair/mud cable toolcable tool
Hansen Drilling Co is located at the address 6711 Ne 58th Ave in Vancouver, Washington 98661. They can be contacted via phone at (360) 694-6242 for pricing, hours and directions. Hansen Drilling Co specializes in Porches, Industrial, Sand.
Hansen Drilling Co has an annual sales volume of 1M – 1,999,999. .For more information contact Peggy Hansen,
Hansen Drilling Co provides Sewer Lines,...
Here at Hansen Drilling Co. we are a full service driller. We are licensed, bonded and insured and have been trusted in this area since 1918. Our primary is protecting your ground water and keeping you safe. We are proud members of the Building Industry Association and the Washington State Drilling and Ground Water Association. We are known for the following specialties:* Well drilling *...
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Hansen Drilling Company was founded in 1974. Hansen Drilling Company specializes in Water Well Drilling.
Hansen Drilling Co Inc can be found at Ne 58th Ave 6711. The following is offered: Well Drilling. The entry is present with us since Sep 10, 2010 and was last updated on Nov 14, 2013. In Vancouver there are 2 other Well Drilling. An overview can be found here.


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How Media shapes Carly Fiorina
We're getting political
Just this past Monday, Carly Fiorina announced her candidacy for the Republican nomination for presidency. Is this good news or bad news? We'll that a loaded question.
Let's see what three different sources have to say...
CNN's take
Written by MJ Lee, on Tuesday, May 5th on CNN.com
It'd be important to know that Fiorina has no political background, as well as how the process of electing a president is followed. It is also important to know the distinction between Republicans and Democrats.
This article was written for anyone interested in the potential candidates for the leadership of the free world. It is written from a fairly unbiased standpoint.
This source was made because many people would like to know who will be in charge of the free world, especially those in the free world.
The purpose of this article was to show Fiorina's intentions for this country and that she has a good shot at leading it.
This source acts as an unbiased middle ground in between the chaos that are the literal thousands of Republican and Democratic bias.
NY Post's say
Written by Marisa Schultz on Monday, May 4th on NYpost.com/news
It's important to know that Carly Fiorina is the first woman to run for the Republican party for presidency. Also, it should be noted that the New York Post is a very conservative source, many of it's beliefs are associated with the Republican party.
This source was created for very conservative Republicans, seeing that it comes across as biased.
For the same reason as CNN, this source was created to inform. However, the Post also has an element of positivity to their article.
The article was written to convince the reader that Carly Fiorina is the right choice for president and we should be excited to vote for her.
This source is important because it expresses Fiorina in a whole new outstanding light.
NY Times' belief
Written by Jonathan Martin on Monday, May 4th on TheNYTimes.com
It's important to know that Hillary Clinton is also running for office in 2016.
This article was written for liberal Democrats, so it too comes across as biased.
This source, like the ones above, was made to inform about Fiorina's intentions for the presidency. It also, however, was written to make Fiorina seem like a worse candidate for office.
The purpose of this article was to convince the reader that Carly shouldn't be president.
The article is important because it shows the vast contradictions between the beliefs of the different sources.
Why'd I choose this and how'd I react
My reasoning for choosing this topic was a simple one: the war between conservative and liberal views will never ever ever EVER die. Therefore, I was certain there'd be a lot of sources that had very different points of view. I was amazed at the differences in opinion though. Some websites saw Fiorina as a positive savior for our country, whereas others were appalled that she decided to run for office. Overall, it was a pretty staggering distinction.