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South Africa bids adieu to Senzo Meyiwa
Funeral of SA's football captain and goalkeeper attracts huge numbers in Durban
Durban: South Africans turned out in huge numbers in Durban on Saturday for the funeral of national football captain and goalkeeper Senzo Meyiwa, who was murdered last weekend.
South African Police Service (SAPS) men carry the coffin of late Senzo Meyiwa during a funeral service at Moses Mabhida Stadium on Saturday in Durban, SA. Pic/Getty Images.
Meyiwa, who had just turned 27, was gunned down by an intruder while visiting his pop star girlfriend south-east of Johannesburg in a crime that shocked the nation. Family and friends were joined by government members and the top names in South African football among a crowd of 30,000 at the funeral ceremony at Durban's Moses Mabhida Stadium, broadcast live on television.
Senzo Meyiwa
The crowd fell silent and many wept as Meyiwa's coffin, shrouded in the national flag, was driven into the stadium in a white SUV, followed by members of his club the Orlando Pirates and top officials.
'Death is a thief'
"Death is a thief that has stolen a bright shining light from the nation," Durban mayor James Nxumalo told the ceremony. "The entire nation is crying. We have all lost. Our condolences to Orlando Pirates and Bafana Bafana (the nickname for South Africa's national team).
In the company of martyrs
The goalkeeper had grown up in Umlazi, a township near Durban on the Indian Ocean coast. He was to be buried in the afternoon at the Heroes Acre at Chesterville cemetery, which is usually reserved for martyrs of the struggle against apartheid.
Also attending his funeral were the country's football federation head Danny Jordaan and Senzo Mchunu, head of the government of Kwazulu-Natal, the province where Meyiwa was born, which has decreed a period of mourning.
More than 17,000 people were killed in South Africa last year, but the slaying of a popular sporting hero has stunned even this crime-weary nation. A 25-year old man, Zenokuhle Mbatha, was charged Friday with murder and armed robbery in connection with his killing, after being identified by witnesses.


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In this Section:
In this section, we learn how to convert between common U.S. units of measurement. We look at various conversions between different units of length, weight, volume, and time. To convert between U.S. units, we first need to understand the relationship between the units we are trying to convert. We use this relationship to setup a unit fraction. The unit fraction shows the relationship between the two units and has a value of one. We place the units we want to end up with in our numerator and the units we no longer want in our denominator. Once this step is completed, we multiply our original scenario by the unit fraction. We are multiplying by one, so the value is unchanged. Lastly, the units we don't want will cancel out, and our answer will include the units we wanted to change over to.

subset: commoncrawl


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Photos: Notable deaths in 2015
A look at those who made a mark and passed in 2015.
A look at those who made a mark and passed in 2015.
The Associated Press found that foreign hackers have been able to infiltrate power companies' computer systems about a dozen times in the la…
The GOP presidential race became less crowded on Monday with the decision of Sen. Lindsey Graham to drop out of the race.
Not every kid is excited to see Santa.
The latest weather forecast for Youngtown, Ohio and surrounding areas.
Investigators say the victim, who died in the early morning fire on Wednesday, was found chained to an upstairs toilet.
They could be seen removing bags of possible evidence from the home on East Philadelphia.
Heavy rains in the region had saturated the soil, making it increasingly unstable and ultimately causing it to collapse with massive force.
The victim, Fannie Ezell, was taken to OSU's Wexner Medical Center in critical condition.
The plane became the subject of a search after disappearing from radar, Kern County sheriff's Sgt. Mark King said.
The Republican senator made his announcement on Monday.
Enrique Marquez, 24, is expected to enter a plea to three charges in federal court in Riverside, about ten miles from the site of the Dec. 2…
One person is dead after a car drove up onto a sidewalk along Las Vegas Boulevard.
Host Steve Harvey said it was his mistake and that he would take responsibility for not correctly reading the card
A Boy Scout leader was injured during an encounter with a bear in northern New Jersey.
The senator visits at a time when more and more people in the Valley are going hungry.
The latest weather forecast for Youngstown, Ohio and surrounding areas.
The 'Star Wars' force was too strong for D.C. political leaders to resist on opening weekend.
Simple tips will help keep you moving through TSA at airports.
Anyone under the age of 18 would be barred from using indoor tanning equipment, under a federal proposal.
Thousands of cases of chocolates are being pulled from Walmart shelves.
Police say three people were found slain in an apartment and behind a neighboring building in Pittsburgh.
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This website has listed some of the finest books on acidity and heartburn natural treatment. These books focus on treating acidity and heartburn through diet and natural remedies. All the ebooks given below are in PDF format. You need not have to wait for the book to arrive to your home. Just download the ebook of your choice from your computer right now and start curing your heartburn and acid reflux from today.
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Disclaimer: The statements regarding these products have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure or prevent any disease. The information on this website is only for education purpose. It is not intended to be substitute for informed medical advice or care.


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It's the History, Stupid
McCain decided to attack Obama's tax plan with the catchy phrase "America did not become the greatest country on earth by spreading the wealth around." Unfortunately for Mr. McCain , that's exactly the way America became the "greatest country on earth", whatever that means.
You see, there is nothing new in the economic proposals of either candidate. McCain supports the trickle down theory, which fed the roaring 20s and finished with the great depression, and Obama supports Keynesian economics, which took the country out of it.
McCain, however, is running a disingenuous campaign, telling some of his supporters he wants to create institutions like those created during the great depression (Keynesian economics), but despising similar Obama's policies as "government handouts". I guess it is pretty hard to win popular votes during a downturn by supporting the trickle down theory.
From a historical point of view, the trickle down theory rears its head during periods of immense social wealth. During those periods it is easy to dream that "we all" can, and are, going to be rich, and the identification with the extremely wealthy plays well among those that have statistical low chances of achieving the same level of wealth.
The truth of the matter is that, since the mid 70s, Americans have lost the wealth they created during the previous 30 years with economic policies similar to those of Obama's. At the core of Obama's policies seem to be the belief that the trickle down theory failed (once again) and that we need a return to Keynesian policies.
One of the lines of attack of McCain's is to go against the idea of "wealth redistribution". Well, unless you belong to the upper 5% of the society, what's wrong with a little bit of that? After all, it seems to have worked pretty well the last time we used it.
McCain, several times, compared Mr. Obama's to President Hoover, who presided over the beginning of the great depression. Oh the irony! Mr. Hoover was a Republican president who believed that the fundamentals of the economy were sound (thus, he raised taxes), and who was an ardent proponent of the trickle down theory. Furthermore, when the country needed government intervention to stop the depression he was against government regulation, and, above all, government handouts.
If you plan on voting for McCain based on his portrayal of Obama's, and his own, economic policies. You need to ask yourself the following questions:
How did the post war middle class get created?
The answer is, with the GI bill, that gave access to free college education to every veteran. This is similar to what Obama wants to do, and McCain is opposed to, calling it a "government handout".
If the tax cuts to the wealthy are the way to solve economic crises, why are we suffering one?
Weren't Bush's tax cuts supposed to solve the previous recession? However, those tax cuts were given to companies that do not create new wealth. Furthermore, any tax cut to dividend gains only promotes investment in old companies that pay dividends, not in new companies that create jobs.
Furthermore, as American economy is driven by consumer spending, giving tax cuts and tax rebates to those unable to save (i.e., those who need to spend all the money they receive in food and other essentials) will provide a large economic boost to the rest of the economy. On the other hand, providing tax cuts to those who do not need to invest or to spend, does not provide any guarantee that those moneys will show up again on the economic cycle.
As was the case the last time America embraced the trickle down theory, we now have ended up in a deep crisis after a general bubble burst. As it was after the great depression, the answer today is, yet again, some redistribution of wealth. Once we are all out of this crisis, and we can start dreaming again about being rich, let's embrace again the trickle down theory.
This article is part of the series "Redefining Riches"
Franklin @ October 18, 2008


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What does UQA mean in Professional Organizations?
This page is about the meanings of the acronym/abbreviation/shorthand UQA in the Business field in general and in the Professional Organizations terminology in particular.
Utah Quality Association
Organizations --> Professional
Find a translation for UQA in other languages:
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Discuss this UQA abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"UQA." Abbreviations.com. STANDS4 LLC, 2018. Web. 22 Feb. 2018. <https://www.abbreviations.com/term/217303>.


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Norman Disney & Young, a Tetra Tech Company
Company Size
501-1000 employees
Norman Disney & Young, a Tetra Tech Company
We are a leading firm of consulting engineers with a global presence. We set ourselves apart by our ability to deliver highly innovative and tailored solutions for clients in a wide range of markets including buildings, sustainability, health, transport, mission critical, defence, industrial and utilities. Established in 1959, we have a long history of engineering excellence and our expertise extends to a range of unique specialties.
Our long history demonstrates our resilience as a business. We are strong yet flexible, stable yet dynamic, united yet diverse. We have grown as our clients and the markets in which we operate have grown. We have stable ownership and a unified purpose: making spaces work.
With offices in Australia (Sydney, Melbourne, Brisbane, Perth, Canberra, Adelaide, Darwin and Gold Coast), the United Kingdom (London), New Zealand (Auckland, Wellington and Christchurch), and Dubai, we work closely with our clients to ensure delivery of world-class solutions. In Malaysia, NDY (Malaysia) Sdn Bhd is operated by local directors as an engineering services consultancy and is a licensee of the NDY Group, which includes the use of the Norman Disney & Young trading name and associated logos.
At NDY, we are committed to delivering innovative and sustainable solutions for our diverse group of clients. We have an intimate understanding of the markets in which we operate and a depth of knowledge that few firms can rival. We understand that not all clients are the same and we are highly adept at tailoring our services to meet their unique needs.
Our success is dependent on our clients' success. We take this responsibility seriously and work hard to ensure that our clients' receive the best service standards available.
Wherever our clients are located they have access to the best expertise available in the NDY group; common ownership of the practice as a whole facilitates the transfer of both information and key personnel. Directors are actively involved in project design delivery, ensuring our clients receive full benefit from our extensive experience. We work closely with clients (both large and small) to ensure close collaboration.
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Recovery grants: Many of New York State's organizations with cultural programming, including public libraries, sustained extensive damage to buildings and collections in the aftermath of superstorm Hurricane Sandy. To help defray costs for staff, paid workers, and volunteers helping with the cleanup and recovery efforts, grants of up to $1,500 are being made available by the New York Council for the Humanities. Complete the brief application by February 28. Organizations that have already received Council support in 2012 may also apply.
You Have to Be in It…
Free audiobooks: To promote its new distribution partnerships, Findaway World, the maker of Playaway, Playaway View, and Catalist Digital, is giving away three $1,000 Playaway starter collections to schools. Media specialists and teachers can visit the website, complete a short survey, and enter for the chance to win one of these great audiobook collections. One school will be selected to receive a starter collection each month, from March through May.
Playaway audio content comes preloaded in circulation-ready media players. Playaway's new distributors include Mackin Educational Resources, Perma-Bound, Children's Plus, Baker & Taylor, Classroom Library Company, Delaney Education, Bound To Stay Bound, Central Programs, and AV Café. Each distributor will offer various titles from Playaway's collection of 17,000 titles. Findaway World will continue its longstanding distribution relationship with Follett Library Resources and Follett Educational Services.
Arts and humanities awards: Libraries are encouraged to apply for the National Arts and Humanities Youth Program (NAHYP) Award, an initiative of the President's Committee on the Arts and the Humanities in partnership with the National Endowment for the Arts, the National Endowment for the Humanities, and the Institute of Museum and Library Services. The deadline is February 4. Be sure to check out eligibility requirements before completing the application. Twelve winners will be selected to receive a $10,000 grant. In addition, 38 finalists will receive a Finalist Certificate of Excellence. The award will be presented by First Lady Michelle Obama at a ceremony at the White House.
Programs should be in place for at least five years and "offer sustained and consistent out-of-school or afterschool opportunities for young people to engage hands-on with the arts or humanities." After-school and out-of-school arts and humanities programs sponsored by museums, libraries, performing arts organizations; educational institutions (e.g., preschools; elementary, middle, and high schools; universities; and colleges), arts centers, community service organizations, businesses, and eligible government entities can submit an application.
Industry News
Professional development: After recently acquiring the assets of Maupin House, a publisher of more than 200 professional resources on literacy topics for K–12 educators and administrators, Capstone has launched Capstone Professional. This new professional development service will include onsite and online training webinars, books, and ebooks. Among Maupin House's bestsellers are "Caught'ya! Grammar with a Giggle" series by Jane Ball Kiester; Razzle Dazzle Writing 2001) by Melissa Forney; and the CraftPlus K–8 Writing Program, a curriculum aligned to the Common Core Standards. Capstone is a leading publisher of children's books, digital products, and literacy programs.
This article was featured in our free Extra Helping enewsletter.
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Obituaries for 05-14-13
Published 4:19 pm, Monday, May 13, 2013
Yolanda Vega
Plainview — Yolanda Cortez Vega, 60, formerly of Plainview, passed away in Amarillo on Saturday, May 11, 2013. Mass of Christian burial will be at 2 p.m. Wednesday, May 15, 2013, at Sacred Heart Catholic Church in Plainview with Father Arsenio Redulla officiating. Interment will follow the service in Plainview Memorial Park. Funeral service arrangements are under the care of Lemons Funeral Home. A rosary will be recited at 6 p.m. Tuesday, May 14, 2013, at the funeral home.
Yolanda was born on April 19, 1953, in Hondo, Texas, to Marcelino and Cecilia (Luna) Cortez. She married Joe Vega, and they were blessed with more than 40 wonderful years together before his death in April 2009. Yolanda and Joe loved to ride together on their Harley Davidson and travel around the country. She was full of life, she loved to sing and dance, and the two of them won a dance tournament.
Yolanda was an excellent cook, making homemade tortillas and enchiladas and doing it with a smile. She was an avid sports fan, and her favorite teams were the Dallas Cowboys and the San Antonio Spurs. She worked in food service, but her true calling was being a homemaker. She loved spending time with her family, especially her grandkids. She will be greatly missed by her family and friends.
Yolanda is survived by her sons: Roland Vega and his wife Jeri of Amarillo, Eddie Vega and his wife Elizabeth of Lubbock, Michael Vega and his wife Alexa of Plainview and Richard Vega of Lubbock; 12 grandchildren; four great-grandchildren; three brothers; four sisters; and many nieces and nephews. She was preceded in death by her parents, her husband Joe, one brother and one sister.
Online condolences may be made at www.lemonsfunerals.com.
Online condolences:
Plainview Herald — 05-14-12


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Research may be performed within the context of earning Honors through the Honors College or through the College of Sciences, or both.
Honors College: Highest Honors. Students admitted to the Honors College can opt to earn Highest Honors, which requires that they perform research and submit a thesis. »» more information
College of Sciences Honors: Students from any of the College of Sciences departments who have a GPA of 3.0 or above (overall and in their major) have the opportunity to earn College Honors. Students applying for College Honors are expected to enroll in the appropriate honors research course during their final two semesters. The completed research paper must be approved by the supervising faculty sponsor and another college faculty member. »» more information
MARC/RISE Program Contact
Dr. Gail Taylor
(210) 458-5761


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One of the most important titles in development for the Wii U and Nintendo 3DS is Super Smash Bros. The Super Smash Bros. series is undeniably entertaining and has provided some of the best gaming memories of my life. E3 2013 will make the official unveiling of Smash Bros. U and it should be phenomenal. We here at myvideogamenews had got to thinkin' what new characters we would want in Smash Bros Wii U and narrowed it down to the top 5…
So, without further ado, here is a list of 5 characters we want in Smash Bros Wii U:
Wreck it Ralph
"I'M GONNA WRECK IT!" Now who doesn't want to hear that in the next Smash Bros. game? I think Wreck it Ralph would be an amazing addition to Nintendo's popular fighting series and has made our "5 Characters we Want in Smash Bros Wii U" easily. He could be a compliment to the bigger characters in the game and could have a number of cool moves at his disposal… Plus the big guy looks like he belongs in a fighting game and what better franchise than Super Smash Bros.? I feel that this would be a pretty sweet cross-promotion for both Nintendo and Disney and the possibilities could be endless.
Lil Mac
Lil Mac showed himself as an assist trophy in the last Smash Bros. and we feel that it is time for him to step out of that role and into the fighting arena. Lil Mac's move set would be pretty straight forward but this addition to the Smash Bros. roster would help suffice the inner Nintendo fanboys in all of us. Even if they decided to not include everyone's favorite under-dog boxer, anyone from the series would be a great fit as well (King Hippo anyone)?
Chase McCain
Chase Mccain's first adventure recently hit the Wii U and it seems only natural that Nintendo should include him in the next Smash Bros. game. LEGO City Undercover is an awesome exclusive for the system and would introduce new players who may not be familiar with Chase. Why not include him in the next version of Smash? It would help showcase Wii U's exclusive title and hopefully bolster sales for LEGO City Undercover as well.
Bowser Jr.
I think it's time to let little Bowser Jr. shine and what better way than to introduce him as a new, playable character in Smash Bros. Bowser Jr. is Bowser's awesome child and is the Koopa King's heir to the throne… Now is the perfect time to bring him into the fighting genre and I would love to see what Nintendo could come up with in terms of fighting moves. Make it happen Nintendo, make it happen!
Yarn Kirby
I LOVED Kirby's Epic Yarn. I'm also 31 years old and feel very comfortable saying that. Kirby's Epic Yarn was one of my favorite titles of last generation and I think the addition of Yarn Kirby would be an interesting move by Nintendo. It would breath new life into an old character and could help freshen up Kirby as a fighter. If Nintendo didn't want to give the Yarn treatment to Kirby, they do have an all new "Yarn Yoshi" title in the works…. Perhaps a Yarn Yoshi character would fit perfectly as well?
Thanks for reading everyone! What 5 characters do you want to see?


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Wedding Video
Ula and Chris St Ignatius Catholic Church Wedding Video
Angela & Haydn|Destination Wedding Video
Fay & Evan|The Dome and Regal Ballroom Wedding Video
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Chloe & Kallan | All Smiles Sorrento Wedding Video
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Capturing every precious moment as it happens, our videography service provides couples with a HD visual and audio documentation of the big day so that the memories can be relived over and over again in crystal clarity.
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We can be there throughout every aspect of the event, from pre-wedding functions and the ceremony to the after party and for any other need that arises. We also understand every couple is unique and is the precise reason we offer flexibility in our packages. This is to ensure you receive a service just for you as well as securing the best videography team available in Melbourne, even if you're on a budget.
Nothing captures the beautiful memories better than video documentation of the day. It captures the sights, the sounds and the fabulous atmosphere of the event in its entirety. Our wedding videographers in Melbourne love nothing more than seizing the essence of the day by creating videos that will stand the test of time.
Reliving the Experience
Every couple has an individual and unique story, and by video documenting this life changing event, it will bring endless amounts of joy and happiness as the memories are reminisced in the years to come.
Where ever your big day takes you, let our wedding videographers in Melbourne be there to capture every moment as it happens. Our affordable packages ensure we can remain within your budget, whilst also providing you with an exceptional service and quality that will surely exceed your expectations.
For further information about our videography services please contact us on 04 0153 9338 or complete the contact form and one of our friendly staff will get straight back to you.


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Emergency Planning Solutions is a consultancy and training company providing professional services to reduce the negative business impacts of emergencies or major business interruptions.
"We provide everything an organisation needs to plan for, respond to and recover from significant incidents and business disruptions."
We continue to deliver our services to an expanding portfolio of clients locally, nationally and internationally.
Tel: 028 9086 7333
EPS Ltd is a BSI Associate Consultancy for BCM and were the first company in Ireland to achieve this endorsement.
Help make #BusinessContinuity become a global trend throughout Business Con... Read more
A global cyber-security survey has found that more than one in five enterpr... Read more
Research from Ernst and Young's Fraud Investigation and Dispute Services te... Read more
EPS designs and delivers a range of courses and training to build resilience capability. Courses are designed as part of a wider project, complementing our consultancy or can be designed and delivered as specific stand alone events covering any area of our resilience expertise.
Find out more here or contact us.
You put together a strong but gently supportive team which matched our needs superbly. We chose EPS on the basis of the effort they made to understand the needs and dynamics of the organisation and to provide a tailored product. We were very impressed with the service; keep doing what you are doing!


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According to Urban Dictionary, a catfish is someone "who pretends to be someone they're not using Facebook or other social media to create false identities, particularly to pursue deceptive online romances."
To understand the full meaning of the term, I recommend watching the (incredible) documentary "Catfish" by filmmaker Nev Schulman. His documentary serves as the inspiration for MTV's "Catfish: The TV Show" which also stars Schulman.
"Catfish: The TV Show" had been mentioned to me by some female friends in grad school and I was immediately interested. As soon as I had the chance, I sat down and powered through two episodes. Despite knowing the premise and having been an early fan of the documentary, I too was bowled over by the show. It's even more poignant and timely than I anticipated.
Have I been catfished? No, not to the extent that the characters on the show have been by any stretch of the imagination. Have I been courted by people who I later found out misrepresented themselves on social media? Absolutely.
Isn't part of modern-day dating sleuthing to find out whether the persona projected by the person you're crushing on is true? Feels like it sometimes.
To read more about "Catfish" the documentary, Schulman and "Catfish: The TV Show", click here. Watch the trailer for "Catfish: The TV Show" below.
If you feel that you have been deceived by a catfish and would like to be considered for the show, check out this casting call and send in your info. The team is currently casting for season two now.
And above all else, WATCH OUT FOR CATFISH!!


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Freeze of Cool FM Celebrates His Woman With Lovely Words
Freeze of Cool FM took to Instagram to share the above photo of his new wife who is celebrating her birthday today.
The OAP captioned the photo with, "Happy birthday my darling Bae, you make the world a better place for so many people. May the joy of today be yours and may the Lord bless you with things money can buy and the things money can't buy! May all your joy be true joy and your pain… Champagne #HappyBirthdayGorgeous!All my ❤ now and always!"
The OAP separated from his first wife in 2014.


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NOTE: LivePlayer removed – 05/22/08
Live from the fourth annual Games For Health Conference (http://www.gamesforhealth.org) in Baltimore, I will be talking with three presenters in a radio talk show format.
You can listen to the show beginning at 10:30am right here on this blog.
Below are instructions on how to call into the show to ask the guests questions:
The phone number is: 206/420-6219
Show ID: 254183
If Caller ID is Blocked, Dial *82 before calling show
10:30 am Paul Puopolo, director of consumer innovation at Humana
11:00 am Chinwe Onyekere, Robert Wood Johnson Foundation Program Officer
11:30 am Dr. Alasdair Thin of Heriot-Watt University, Edinburgh, Scotland


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The prevailing thought is that most personal lines producers are little more than quoters and order-takers. However, I have personally employed Personal Lines Producers who were skilled Relationship Managers, who made friends with the people that requested insurance assistance, who strive to protect ALL of the clients' assets and who were not at all shy of asking for referrals and generating a geometrically growing client base for them and for our agency.
Order Takers
If the "producer" is, in fact, an order-taker who answers the phone or personally visit, quotes the insurance policy and has no further relationship involvement with the client, they should be paid a modest salary and a commission on each new sale. They will, for their entire careers, run the hamster wheel because they do nothing to increase the value of the client to the agency beyond the quoting process. Neither do they have any function that causes the client to stay with the agency. We all know that a short-term client is EXTREMELY expensive for any agency. The quote and issue process, in itself is expensive and time consuming and you need to keep a policy for two or three years to gain a profit advantage on that piece of business.
However, a Relationship Manager (RM) who happens to deal in Personal Lines as his/her primary line of business is as valuable as any Commercial Line Relationship Manager IF their efforts a) envelope all of the client's insurance needs in favor of the agency, b) build a friendship and trust relationship that causes the client to want to stay with the agency, and c) evolves additional clients from each customer that (s)he builds for the agency.
In the Asset Protection Model, the RM usually has a single product line strength (PL, CL, Life, Health). However, (s)he knows that the key to any long term relationship is in protecting ALL of the clients asset protection needs. To that end, the RM uses every human asset possessed by the agency to serve the client. The RM is the coordinator for the agency with the client. (S)he identifies every asset that needs protection, either analyzes that asset personally (if that product is one of their strengths) or finds the most qualified agency employee to participate in the client asset analysis toward assuring the client that he is properly protected in that area.
So if the "producer" is really a Relationship Manager, we must pay them like any other relationship manager, based on the book of business that they help build and control for the agency and the continuing growth of that book of business.
We devise many producer compensation programs for Commercial Lines and Financial Services – many less in Personal Lines because the "producers," whether successful or not, appear to be more order-takers (friendly and professional, perhaps, but order-takers, nonetheless) than relationship builders and managers. The difference between an order-taker and a true Relationship Manager in Personal Lines is their ability to do two things, cross-sell all lines for the clients into the agency and achieve a continuous flow of referrals to multiply the business generated from each client. The strength that permits a producer or Relationship Manager to accomplish these tasks is the ability to go beyond price quoting to become friends with and build a relationship with the agency's customers.
A personal lines employee who simply takes orders, provides quotes and issues coverage for new clients occupies an administrative function, not a sales function and should be salaried similar to a customer service representative. There is certainly a role for a dedicated New Business Representative (NBR) within any active agency since the functions involved may be construed as interfering with the normal process-heavy details of a service role. The NBR is dedicated to responding to sales inquiries from existing clients, new prospects to the agency and any affinity group members seeking quotes. The greatest differentiator between the New Business Representative and the Producer (Relationship Manager) is the amount of compensation NBR's, like CSR's, will earn 10% – 15% of the books of business that they service while Producers/ RM's earn more. The guarantees of compensation NBR's are under guaranteed salaries that respond to Incentive Compensation or other form of productivity-based performance raise features (see our articles on Incentive Compensation) while Producer's get up-side potential for growth and should take down-side risks in trailing years' compensation if the book of business declines.
If the agency retains the services of Personal Lines producers, the measure of those producers' success is in their account-rounding and referral generation capabilities and the value of those producers at the agency should be calculated in accordance with the total volume of commissions that (s)he causes to be generated for the agency. The value of a personal lines producer will be derived from a) the issuance of sufficient new business to grow the agency annually and b) from the derivation of additional growth (and retention) of an existing book of business through the producer's cross-selling and referral generation efforts.
Regardless of whether a producer is paid a salary and growth bonus (our preference), a draw, or a straight commission, his/her value to the agency is defined by the total retained book of business that has been generated through his/her efforts over the lifetime of that producer within the agency. While the compensation for commercial producers have averaged 30%-33% for arising producers, 38% for second level producers and up to 42%-45% for high impact producers (high volume, high profitability – discussed further, below), the compensation for personal lines producers must, by virtue of the lower average income per policy and client and the extraordinary support work effort and agency costs in those lines of business, be less.
Personal Lines producers can be defined into two categories, Arising Producers and Master Producers. The difference is that Arising Producers are new and require an investment by the agency until the producer generates sufficient income for the agency to offset the investment. Master Producers are generating sufficient growth and retention to pay for themself, including for the service, administration and profits required from their contributions to the agency's book of business.
'Arising Producers' should be paid a salary with target production that would generate enough total revenue within four years to justify their salaries at a rate that would pay for the agency's overhead, investment and generate a profit margin from their efforts. NO AGENCY SHOULD BE IN BUSINESS TO BREAK-EVEN OR LOSE MONEY ON ANY LINE OF BUSINESS. While that figure changes agency-by-agency and can range from 15% to 25%, a rate of 20% of revenue for the agency is the average that we have found through our studies. Please note, we use averages for familiarization reasons, but just as no agency 'strives to be average', we caution against using dead averages instead of analyzing the required percentage of revenue in your own agency needed to achieve parity and profit. This means that an Arising Agent is covering his total cost to the agency if his compensation is between 15% and 25% of the total retained revenues that (s)he has generated to date. That normally takes four to five years and includes the pay-back of the investment in the Arising Producer's compensation until (s)he achieves parity. During the time a Producer is an Arising Producer, (s)he is learning how to establish relationships with new and existing agency clients in order to earn the trust and become the client's agent for all of the client's insurance needs. The Producer is also learning how to ask for referrals from happy agency clients and how to penetrate those referrals for a much better source of new business than call-ins.
The skills of building relationships, cross-selling and referral solicitation are the keys to the success of any Personal Lines Producer. Once learned, the Producer's efforts will cause the agency book of business to grow much faster and more dramatically than simply waiting for quote calls. Once mastered, the Producer will quickly convert to Master Producer status, allowing both the Producer and the agency to earn more money on the producer's efforts.
The amount of a new Arising Producer's salary should be determined by his/her "need" (the amount the producer needs to pay his/her bills), not by the producer's historical earnings. The reason the producer should be as interested as the agency in minimizing salary to the producer's expense load is because the salary determines the required production during his first several years. Minimizing base cost to the agency also minimizes MSL (Minimum Success Levels) required of the producer to retain the position and to eventually achieve Master Producer status (with greater up-side compensation potential). And the base compensation does not limit the producer's earnings capacity in any way since growth beyond goal is paid at the prevailing base commission level for producers in the agency. It is a 'no lose' scenario since the producer has no limit to his/her earnings, it is easier to qualify more quickly as a Master Producer, and the agency is not paying the Arising Producer in excess of his/her needs (using agency funds before they are earned by the producer) until the producer earns that level of compensation.
A producer who desires a high income to start because of historical earnings falls into a trap that could consume the Producer. If a Producer has served another firm and has built a book of business that sponsors that producer, that book of business is typically not transferrable. Although you must pay the Producer an amount sufficient to accommodate his expenses as the Producer build the agency's book of business to sponsor the producer's presence, paying in excess of that amount before the Producer has earned that compensation level will make it much more difficult for the Producer to validate and convert to Master Producer status. As many agents have found, eventually both of the owner and Producer will realize that the producer cannot validate the higher salary for a longer time than the agency can sustain the investment.
As an example, a PL Arising Producer earning $35,000/yr. salary would become fully productive when his/her efforts generated $175,000 of annualized agency commission from a combination of new sales and retained renewals in the book of business generated through that producer's efforts if 20% is the correct factor for profitability of the producer's book within your agency. For most agencies this requires the generation of almost $1.5 Million of premiums. If this is reasonable for your geographic area in a five year period, a $35,000 compensation level is not out of range. If you live in a small, rural community where $1.5 Million may be a large part of the available personal lines market, you will not be able to earn a profit from a producer earning $35,000 for sales efforts and will likely lose that producer when you realize that you are losing money on the bargain every year.
A producer may not remain in the 'arising producer' category for more than four years. If (s)he has not achieved enough production to warrant his compensation at base compensation percentage of the book (and the producer is to be retained), the salary must be reduced to the base compensation for the book in the fifth year and the producer moves to the Base/Growth model or must alter his/her position from producer to NBR or CSR to remain within the agency.
If the Producer begins as an Arising Producer, when the book of business generated by the Producer achieves the level that balances the agency investment, that producer is converted to the Base/Growth Model that gives the producer a) much greater upside potential, b) compensation-sensitive Add-On and Referral goals (goals and results for Add-Ons and Referrals are created and tracked in the Arising stage, but do not affect compensation), and c) a downside potential if the book of business diminishes. The Producer becomes a Master Producer. More experienced Producers existing in the agency or coming into the agency with a book of business that will support them in the Program may qualify as a Master Producer from the outset.
A Master Producer earns a higher percentage of every dollar generated in the book of business for which the producer was responsible. The reason the agency can afford a higher percentage in a base/growth model is because the Master Producer is accomplished in the cross-selling and referral generation that sets those producers apart from Arising Producers and from 'order takers'.
The generation of AddOns (cross selling existing clients) and Referrals by an Arising Producer is encouraged and are rewarded with bonuses — but are not required by the position. As a Master Producer, AddOns and Referrals become an integral part of the Producer's goals to earn a progressive salary and bonuses each year.
These are new features for many agents who have wondered how to fairly pay producers of Personal Lines. But a producer must acknowledge that (s)he is with the agency to help GROW the book of business, not as a service representative or maintenance agent. That means if the producer wishes the up-side potential of compensation growth commensurate with the book growth, he needs to accept the potential of the reverse if the book declines. Cross-Selling (add-on lines for existing clients) and seeking referrals is the only way we separate ourselves from our competitor friends at the direct writers and at more traditional insurance agencies. Without the relationship-building and management efforts that result in Add-On sales and referrals to friends of our clients, we are just 'price-quoters'.
A potential benefit to an agency is that if any producers leave the agency, the portion of the commission left behind that would have been accrued to them for production becomes the 'seed money' to support new producers as they build their production toward the level required to move them into the pure Base/Growth Model. Those producers are granted the books of business for which the departed producers were responsible for cross selling opportunities and for the attainment of referrals (that would less likely occur with a New Business Representative instead of a producer) through relationship building efforts. The Arising Producers do NOT get credit for the departed producers' books of business for compensation purposes. However, any Add-On business or referral business DOES accrue to the Arising Producer's book of business.
Once the producer has 'qualified' as a Master Producer, the producer is moved into the Base/Growth model for compensation. In that model, the total book of business (new and retained renewals) in the previous year becomes the basis of salary in the next (at the agency's base compensation percentage). Since the employee is a producer, not a service representative, they control their own destiny and take a downside, as well as upside risk each year, basing their next year's salary on the fixed percentage of the book of business (for which they have been responsible) that permits the agency to earn a profit on the personal lines book of business.
The Base Compensation is determined by the expense factors and competitive requirements for employees in the area in which the agency is located. Sometimes (in some metropolitan areas) the model must be adjusted to a higher level due to economic and competitive pressures on strong performing employees, but the average premiums and commissions are also higher. The Base Compensation works well to the point at which the book of business created by the producer is economically more profitable than the books of business of arising producers and additional compensation is justified in terms of larger bonus commission for growth. There are usually two or more break-points in every active agency at which books of business gain substantial growth in profitability. At each break-point producers who have generated and retained that level of agency commission will generate agency profits large enough to bonus a higher amount for annual growth.
Once the agency profitability on growth has achieved the tipping point (to the next level of profitability) a compensation increase of 5% ON ANNUAL GROWTH as a bonus will add an incentive to the producer's efforts. The reason the agency is justified paying the higher percentage on growth is because the entire book of business becomes substantially more profitable to the agency for larger volume producers (fixed costs remain stable and more revenues are attained).
Some agencies have chosen to further break the Compensation Tiers into smaller increments (compensation steps) to speed the incentives the producers to both continue to grow new business and to take a genuine interest in the retention of business (without which the agency's profitability decreases substantially). We do NOT recommend steps smaller than $100,000 increments of growth.
Another feature of our PL Producer Compensation Program is that the base compensation percentage for the Producer actually declines by one percent in any year that the total book of business for which the producer is responsible DECLINES from the prior year. Agencies have suffered declines both in revenue and in profits due to continued enhancement of compensation for producers without regard to book status. Agencies pay producers to GROW the agency's book of business annually. Providing enhanced income through growth bonuses on the upside requires a declining compensation (to offset some of the agency's losses) when the book of business, for which the producer is responsible, declines.
If the book of business declines in several consecutive years, the base compensation declines by 1%/year. The agency can institute a maximum reduction (i.e. 5% from 20% to 15%) by adjusting the Minimum Base Compensation in the Compensation Schedule or it can institute the program without a maximum reduction as a method of reducing a producer's compensation continuously if the producer is not performing his/her primary responsibility of growing the agency's book of business. The baseline compensation automatically increases annually as the revenue grows (up to the normal level once the book of business exceeds the previously highest level).
Since the Producer's role is defined by relationship management and referrals more than by simple order-taking, the growth bonus is only paid in years that the producer achieves the minimum required number of add-on sales and referral sales. Add-On Sales include additional lines for the existing client with multiple lines written during the initial new business fulfilling the add-on sale requirement for an account. All forms of insurance, personal, commercial, L&H counts toward the add-on sale requirement. Referral sales are new clients generated from referrals from existing agency clients.
AddOn and Referral goals should be modest for Arising Producers and should grow as the producers become accustomed to asking for each from every client. The AddOn and Referral achievement will make a) the retention of accounts higher, b) generate more revenue for both the agency and more income for the producer, and c) allow the growth bonus to be paid in that year.
Agency Consulting Group, Inc. has designed its Personal Lines Producer Compensation Model to act alongside of the Commercial Lines Producer Compensation Model. It can invigorate and automate your personal lines production if you have decided to use personal lines producers or Relationship Managers. It contains measurement devices for the monthly reporting of gross commissions, new business commissions, cross-selling add-ons and referrals, the key components of agency goals for personal lines growth. These measurement devices (entered by the producers, themselves, whenever possible) collate to annual results compared to goals and historical performance and further collates to career development results (up to 15 years) for each producer.
Call Al or David Diamond to discuss Agency Consulting Group, Inc. conducting an analysis of your agency and staff to determine if the PL Producer Compensation Program is right for you and, if it is, to construct the program for you and to train your agency into its use (800-779-2430 or email@example.com)
The growth of importance, profitability and compensation for Relationship Managers in Commercial Lines responds to the total size of their book of business (new and renewal) tiering for higher total compensation based on size of the total book of business. Similarly the compensation for successful PL RMs is defined by growing total books of business AFTER they validate their initial compensation AND prove they have the skills to both cross-sell (Add On) and to pro-actively generate referrals of new customers from your existing customer base. Call us (800-779-2430) if you are interested in a PL Producer Compensation Program or have further questions.


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Originally published 01/18/2018
'Make it right': Descendants of slaves demand restitution from Georgetown
One-hundred-and-eighty years after Jesuit priests sold slaves to save Georgetown University from financial ruin, a group of descendants is calling for restitution.
- Inside Billy Graham's Powerful Relationship With U.S. Presidents
- Children have changed America before, braving fire hoses and police dogs for civil rights
- How the Activists Who Tore Down Durham's Confederate Statue Got Away With It
- Many Trump Voters Think We Need a White History Month
- How a team of sophisticated forgers at an Essex country house fooled the Nazis
- Historians fear 'censorship' under Poland's Holocaust law
- How One Amateur Historian Brought Us the Stories of African-Americans Who Knew Abraham Lincoln
- History Coalition asks historians to "Urge Your Representative to Join the Congressional History Caucus"
- Dartmouth's Randall Balmer: Under Trump, America's religious right is rewriting its code of ethics
- Was This Technology historian plagiarized? Sure seems like she was.


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Yom Kippur Vidui
I had an insight this past Yom Kippur about Vidui. Why do we say Vidui both in the silent Shemoneh Esrai and again in the Chazaras HaShatz, in the repetition? I don't know whether this question is asked, nor if so what they answer, and I didn't really check out whether my thoughts are correct. But I wish to record them before I forget them in the preparations for Sukkos.
Searching for Jewish Beliefs? Click Here for my main article on Jewish Beliefs.
Ashamnu Bagadnu
When I said Ashamnu, Bagadnu, etc. I thought to myself, wow, that's really a problem, ashamti, bagadti. I really have to get my act together and take it upon myself not to repeat those mistakes, ever. But then comes along the repetition, and I see that everyone is saying Ashamnu Bagadnu. Hey, everyone is doing it, and there's a certain comfort in that. And then I thought, no, the opposite. That's why we say Vidui twice, once by ourselves, and then again together. Because I have two problems, I have two responsibilities which I have been lax about. I have a responsibility regarding my own behavior, and I have a second responsibility in that I am part of a community where everyone is "doing it". Have I done all that I could in order to get my own behavior in shape? And have I done all that I could to do my part that the community is behaving correctly?
We find that the Almight'y made a covenant with the Jewish people in the Parsha Ki Savo, regarding the tochacha, and then again in the Parsha Nitzavim. The latter is the communal responsibility (Arvus) that each person has with his fellowman.
So that's why I have to say Vidui twice — once for my own behavior and another time for the community's behavior for which I am also partially responsible.
If you have feedback, please leave a comment.


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|Half Baths
|1,200 sq. ft.
|Property type
|Minimum Stay
|3 nights
Discover Laguna Beach, Florida! Just west of Panama City Beach, our relaxing townhouse condo is at the quiet end of the beach where you will find miles of uncrowded beaches! It sleeps six comfortably in two bedrooms. Each bedroom has a bath and there is also a half bath on the first floor. We really enjoy the outdoor enclosed shower where you can rinse off after a great day on the beach. The full kitchen has everything you'll need and the open dining and living area are very spacious and decorated in colorful beach style.
Located about 100 yards from the beach (across the street and 2 houses back), you can enjoy the partial ocean view from the upstairs balcony. The two public beach access walkways lead you to one of the most beautiful beaches in the world! We don't have a swimming pool, but who needs a pool when you have the crystal clear waters of the Gulf.
Guest Comments: 'We just returned from a great vacation at Laguna Beach. This condo was perfect! We had plenty of room, it's a short walk to the beach and having 2 1/2 baths was very convenient. We definitely plan to go back next year. '
The Watson's, Cumming, GA
'We have rented this condo for 6-7 years in a row. It is in excellent condition and just a short walk from the beach. It is close to many attractions and conveniently located near a large Winn Dixie grocery store. The owners are wonderful people and I'm confident you will have the vacation of your life.'
'This is a great condo in a great location. The beaches here are absolutely breathtaking! Be sure to check out the Carousel for the best selection of wines anywhere! It's a short walk down Front Beach Rd.. We would definitely recommend this to anyone looking for a relaxing vacation!'
Additional photos and information: Additional Units Available: There are several units in this complex that can be rented together for groups. Please ask about our specials for teams playing at Frank Brown Park.
We had to leave super early but the owner was very understanding about the hurricane/gas issue. This is our third...but not our last stay. This is a twice a year at the least kinda place :) Very clean, very comfortable and very relaxing. My favorite place ever!
Very helpful owner, nice beaches, and lovely neighborhood. We were there during off-season so no crowds. Home was very functional if a little worn in spots. Creatively decorated rooms and comfortable beds. Bathrooms a little tight space-wise.
Love the balcony in the morning....perfect place, far enough from the hustle bustle, but close enough to enjoy it if you want to.
Great location. Beach is beautiful and not crowded even on a holiday weekend. We had everything we needed there. Can't wait to go back!
The house was perfect! Loved it :) already booked for next summer!
First impression, very cute and cozy. We felt completely comfortable the entire week. Very nice location. We will definitely consider staying again.
My condo at Laguna Beach has been in our family for over 25 years. My parents bought it as it was under construction and included many custom touches. At that time there was nothing on the beach side and we had an unobstructed view to the ocean. We've seen it grow up over the years, but we still love it because it is so close to the beach, and it is our home away from home. I purchased it from my parents in 2004 and did a lot of renovation and upgrading.
We love going to the beach, and these beaches are the most beautiful in the world! The sound of the waves and the beautiful turquoise green water is so very relaxing. Add a cool beverage and a fishing pole and you just can't beat it anywhere! There are several places nearby where we enjoy eating out, but our favorite thing to do is to get some fresh seafood from the local seafood market and cook it up at the condo. We have many friends in the area and we usually end up with a house full to join us in the seafood feast.
We get so many positive comments from our guests who enjoy staying there as much as we do. Just one stay will tell you why!
R. Whittlesey (email preferred) purchased this townhome in 2004
Laguna Beach is at the west end of the beaches and is considered the quiet end of the beach. There are mostly single family homes and some condos (but nothing over 4 stories high). There is only one hotel and there are no high rises. This makes for a beach scene that is family oriented and uncrowded.
This is a great condo in a great location. The beaches here are absolutely breathtaking! Be sure to check out the Carousel for the best selection of wines anywhere! It's a short walk down Front Beach Rd.. We would definitely recommend this to anyone looking for a relaxing vacation!
Whitt-At-Sea is located in Laguna Beach, Florida, just west of Panama City Beach and about 3 miles west of Hwy 79 and Front Beach Rd. intersection (known as the "Y"). This is the "panhandle" of Florida - the northwest section of the state. It is easily accessed from any of the southeastern states by car or by plane if you are traveling from farther away. The Panama City International Airport is approximately 20 minutes away.
It's a short drive to the Heart of Panama City Beach where you'll find newly opened Pier Park stores and restaurants, Gulf World, Shipwreck Island Water Park, St. Andrews State Park, Shell Island, and golf at Hombre & Holiday Courses. The Frank Brown Recreation Park is about 5 miles away with many activities happening year round. For shopping, there are many beach shops,Target, Walmart, as well as beach antique and gift shops. Outlet stores in Destin are about 45 minutes away. Nearby grocery and local seafood stores make grocery shopping a breeze.
Other Activities: Frank Brown Recreation Park 5 miles away
|Cleaning Fee
|$85 + Tax
|Refundable damage deposit
|Tax Rate
Absolutely no rentals to high school/college students or vacationing groups of singles.
Absolutely NO PETS allowed!
Until confirmed, rates and availability are subject to change without notice.
Deposit required within 7 days of booking. It will be refunded within 14 days of departure if no damage or violation of the rental agreement.
Full rental amount due 21 days prior to arrival.
Cancellations: $50 cancellation fee if cancellation is more than 1 month in advance. No refunds for cancellations less than 1 month in advance.


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KPlayer's playlist toolbar has a drop down box that shows the current playlist. It stores files and streams that have been played or are going to be played and lets you easily switch to a different item and play it. For details on the playlist feature see the Playlist micro-HOWTO. Following is a description of options that affect the playlist behavior.
option is available from the menu, the playlist toolbar and the playlist popup menu. When enabled, it makes KPlayer start playing items from the beginning of the list after it finishes playing the last item on the list.
option is also available from the menu, the playlist toolbar and the playlist popup menu. When enabled, it makes KPlayer play items in a random order. When the option is also enabled, items will be reshuffled every time KPlayer restarts playback from the top of the list. To reshuffle immediately, disable the option and then enable it again.
Allow duplicate entries on playlists option is available on the General page of the KPlayer Configuration dialog. When enabled, it allows KPlayer to put identical entries on the playlist. By default it is disabled, and if you queue the same file twice, the old entry will be removed before adding the new one at the bottom of the playlist.
The command opens the current playlist in the multimedia library where you can add new items and remove or change the order of existing ones. It is available from the playlist popup menu that you can open by clicking the playlist drop down box on the playlist toolbar.
To save the current playlist in the Playlists section of the multimedia library, click the playlist drop down box on the playlist toolbar, select -> and enter a playlist name. The new playlist will then be added to each menu that works on playlists. See the multimedia library configuration for details.


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It's been nearly one decade since former Vice President Al Gore released his film "An Inconvenient Truth." It sent shockwaves through American politics and emboldened environmental activists to push for more regulations on American businesses.
Gore warned increasing carbon dioxide emissions would spur catastrophic global warming that would cause more extreme weather, wipe out cities and cause ecological collapse. To stop global warming, humans needed to ditch fossil fuels and basically change every aspect of their lives.
Watching "An Inconvenient Truth" is sort of like going back in time. Back to a world where flip phones were cool and "Futurama" was still putting out new episodes. A world where a bitter presidential candidate was trying to rebrand himself as an environmental crusader.
But have Gore's warnings, which were alarming to many in 2006, come true?
In honor of the upcoming 10th anniversary, The Daily Caller News Foundation re-watched "An Inconvenient Truth" just to see how well Gore's warnings of future climate disaster lined up with reality.
Gore's been harping on global warming since at least the late 1980s, but it wasn't until 2006 he discovered a way to become massively wealthy off making movies about it and investing in government-subsidized green energy.
Gore opens the film talking about nature, then jumping to a presentation he's giving where he shows the first image ever taken of the Earth from space. From that image, he jumps right into making alarmist claims about global warming.
Kilimanjaro Still Has Snow
One of the first glaring claims Gore makes is about Mount Kilimanjaro in Africa. He claims Africa's tallest peak will be snow-free "within the decade." Gore shows slides of Kilimanjaro's peak in the 1970s versus today to conclude the snow is disappearing.
Well, it's been a decade and, yes, there's still snow on Kilimanjaro year-round. It doesn't take a scientist to figure this out. One can just look at recent photos posted on the travel website TripAdvisor.com.
In 2014, ecologists actually monitoring Kilimanjaro's snowpack found it was not even close to being gone. It may have shrunk a little, but ecologists were confident it would be around for the foreseeable future.
"There are ongoing several studies, but preliminary findings show that the ice is nowhere near melting," Imani Kikoti, an ecologist at Mount Kilimanjaro National Park, told eturbonews.com.
"Much as we agree that the snow has declined over centuries, but we are comfortable that its total melt will not happen in the near future," he said.


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Had long chat with the great, iconic TCU fan and sportswriter Dan Jenkins today. He offered the following about TCU athletics, "I hate to say this, had we gone into the Big 12 back when Baylor and Texas Tech did I don't know if we'd be where we are today. The luckiest thing was to be left out of the Big 12 and get the university to make a real commitment. Then we got into a conference where we could beat a lot of (bad teams), and it helped. I'm thrilled for TCU, and I think it's great for the city."
I will post the rest of the conversation and Jenkins' picks for this weekend's games, on Friday morning as part of the Friday Morning Football Chat.
- Mac Engel


text: Named after the character from '24', I have only had Jack for 1 week but I'm in love. He enjoys napping, running, napping, eating and did I mention napping. He's super sweet and loves to snuggle with his momma. He also does this hilarious thing where he gets on his belly and snakes his way through the grass. We start puppy training next week so wish us luck!Add to Favorites


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Pecan Praline Topping
This delicious topping is perfect for our Pumpkin Cheesecake.
Total Time:
Level: Moderate
Yield: Makes 3 cups
- 1½ stick unsalted butter
- ¾ c. dark brown sugar
- ½ c. heavy cream
- ¼ tsp. salt
- 2 c. pecans
- Preheat the oven to 350°F. In a large saucepan, combine the butter and brown sugar and cook over moderate heat, stirring, until smooth. Stir in the heavy cream and salt and bring to a boil. Simmer just until slightly thickened, about 3 minutes. Let the caramel cool.
- Spread the pecans on a rimmed baking sheet and toast for about 8 minutes, until they are lightly browned and fragrant. Transfer the pecans to a work surface and let them cool. Coarsely chop the nuts, stir them into the cooled caramel, and serve.
More From Recipes


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Gathering 2018 info is Here!
|ISGB Programs - Donations
Download the complete Gathering Booklet, visit our Face book page or Website
Click here to register online, sign up for ISGB workshops and tours, and make your hotel reservations.
Gathering XXVl will be in Las Vegas, Nevada April 4 - April 8, 2018. Our Opening Reception will be on Wednesday, April 4th, with pre-conference workshops beginning Tuesday, April 3rd. Experience an eclectic mix of the best in presentations, workshops, seminars, tours, and other activities that will both educate and inspire conference attendees.
Art of Glass Volume II coming soon
Look for the The Art of Glass Volume II: No Limits
The Art of Glass: No Limits celebrates inspired work created by all glassworking techniques. This volume honors the limitless passion that makers using all forms of glass bring to the medium: cold, warm, and hot. Artists creating glass work in all forms including glass beads, sculpture, marbles, pipes, millefiore, glassware, wearable items, and more.
The Art of Glass: Flameworking Vol. 1
It is with great pride and excitement that we announce our latest book, The Art of Glass: Flameworking Volume I is now available. We had an overwhelming response to this book from the attendees of The Gathering in New Orleans, and now we are offering a wider release. This impressive volume features the work of both ISGB members and non members, and we are thrilled with how the stunning individual submissions came together to form something even greater than the sum of its parts. It is an incredible collective body of work.
To Order Your Copy
We are also offering The Art of Glass: Flameworking Volume 1 as an e-book for $14.99. Choose between your choice of High Resolution or Small File Size formats.
Print On Demand
A print on demand book is available to order on Amazon with matte finish pages for $24.99 + shipping. Click here to order.
We are tremendously proud of the beauty that this flameworking community has created, and thank you for your support of the ISGB's mission.
For decades, the ISGB has been a leader in the contemporary glass beadmaking movement. Providing education and awareness, our organization has encouraged and supported beadmakers in their artistic endeavors, both as a career and for personal enjoyment. Our members help give life to our organization's vision of being a leader in our creative community and to expanding the innovative use of complementary mediums among artists and craftspeople.
Support through donations helps make it possible for the ISGB to continue its longstanding tradition of producing quality, broad based programming for beadmakers and flame workers worldwide. This happens through our annual conference, The Gathering, every year, our quarterly magazine Glass Bead Evolution, the monthly e-newsletter Bead Release, and scholarship opportunities within our organization as well as with industry shows like Bead&Button. The ISGB encourages growth for members and for flame workers in all art forms.
Our organization continues to offer opportunities for members to participate in traveling juried shows and we are partnering with the Society of North American Goldsmiths for joint membership, online sales opportunities, and for collaboration with metalsmiths. The ISGB Vendor Discount Program continues to thrive and we remain dedicated to the sharing of techniques, best practices, and business education as we strive to propel the contemporary glass bead movement farther into the future. Naturally as our programs expand, financial resources to support them become more vital than ever.
Donations make us a more effective organization, and it is your donation that will help ensure the ISGB stays strong and meets our fundraising goals. Please consider donating to the ISGB. Your contribution will enable our organization to continue moving forward, meeting the challenges of the future, and strengthening our drive of the contemporary glass movement.
Thank you in advance for your generous support.
ISGB is a 501(c) (3) organization. Your contribution may be tax deductible to the extent allowed by law. Please consult your tax preparer.
Please note that you do not need a PayPal account in order to donate.
Glass Bead Evolution


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The Perfect Score Project
Debbie Stier was in the publishing industry when I met her. We immediately clicked. She is smart, vivacious, sees things coming down the pike and gets the world we live in. She was always willing to go out on a limb to publish books that she believed in. Like an investor she saw things in people and knew how to bring the story out of them. Impressive. Unfortunately the industry does not know how to embrace people like Debbie and so they parted ways.
At that point of her life she was living in Westchester with two kids as a single Mom. Her son was just entering the SAT craze. She decided to roll up her sleeves and figure the whole thing out. Essentially The Perfect Score Project is a labor of love. She decided that she would go through the torturous process with her son to help motivate him and perhaps learn the tricks.
Debbie seriously got into it. I remember the first time she took the test. I talked to her on the phone and asked her how she did. She began telling me what percentile she was in. I stopped her in her tracks. I got right down to it and said I do not care about the percentile I want to know what was your score. She laughed.
She ended up taking the SAT 7 times and eventually scoring pretty damn well on English and the essay but could never get it to the point where she wanted in math. What she learned is how to study for a test and how to do it best. Where that gets you I am not sure except the ability to have a top tier school look at your application.
It is a book to read for any parent with a kid entering that SAT world that happens sometime around end of Sophomore early Junior year. It is miserable but at least you can read Debbies book. It is commendable what she did. Through out the process she moved out of Westchester, moved to NYC, her son got into college and now she is home schooling her daughter Daisy.
Bottom line, great Mom story. Major kudos to Debbie!


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University of Colorado Hospital at the Anschutz Medical Campus and the Poudre Valley Health System announced today they have signed a letter of intent to explore creating a joint operating agreement.
The two health care providers said that health insurance reform, the increasing complexity and cost of treating patients and a projected shortage of medical professionals were key factors in the decision to pursue a joint operating agreement.
"The mission and values of University of Colorado Hospital and Poudre Valley Health System are complimentary. Both place priority on providing compassionate care for patients, while furthering knowledge and innovation," said University of Colorado Hospital President and CEO Bruce Schroffel and Poudre Valley Health System CEO Rulon Stacey in a joint statement. "Our goal is simple: to provide the best possible health care to our communities, the state and the Rocky Mountain Region."
Poudre Valley is a locally owned, nonprofit organization that provides health care services in Colorado, Nebraska and Wyoming. PVHS is a regional medical hub that includes Poudre Valley Hospital and Medical Center of the Rockies. It has more than 5,100 employees.
University of Colorado Hospital is the region's leading academic medical center and is ranked among the top 10 academic medical centers in the United States.
The hospital's doctors are affiliated with the University of Colorado School of Medicine.
The two institutions said that should they enter into the joint operating agreement, an organization will be formed to oversee strategic direction and overall budget for the unified system. University of Colorado Hospital and the Poudre Valley Health System would maintain control of operations at their respective facilities.
Poudre Valley said that the two institutions began exploring the closer relationship partly in anticipation "of changes and challenges of health insurance reform.
"While these changes remain largely undefined, it is clear that health care reform care organizations across the country will be doing more with less in the future," said Poudre Valley. "There are great advantages in bringing institutions that enjoy notable clinical and financial strength together in a time of uncertain reform."
Poudre Valley said that much of the consolidation sweeping the American health care industry today has been driven by the financial or clinical weakness of one of the partners.
But here, said Poudre Valley, the University of Colorado Hospital and Poudre Valley Health System are "two very strong institutions."
One of the key benefits, it said, is the combining of academic-based and community-focused medicine, "bringing innovative and leading-edge care to patients throughout the Rocky Mountain region."
Howard Pankratz: 303-954-1939 or firstname.lastname@example.com.


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Ngorongoro Serena Lodge Ngorongoro Serena Safari Lodge is built into the rim of the caldera, the plant and ivy-covered native stone blending masterfully with its surroundings. The guest rooms are spacious with central heating, prehistoric cave paintings and balconies overlooking the Ngorongoro Crater. It's furniture is created from rich hardwood timber. The lounge and dining room are indoors, overlooking the Crater. Log fires greatly enhance the atmosphere, especially in the evenings. The lounge has a balcony with a fixed telescope for guests' use.
Ngorongoro Farm House Located in the Ngorongoro Highlands, it is only minutes from the Ngorongoro Crater entrance gate. Ten spacious luxury bungalows are each decorated in a colonial style, complete with private baths. Additional facilities include a swimming pool and two dining areas. This small lodge is a perfect alternative to the big lodges on the Ngorongoro crater rim, offering personalised service and a special atmosphere. The lodge's farm on the slopes of the crater has an organic vegetable garden which not only supplies the lodge, but many other lodges and visitors can enjoy fresh roasted coffee from the on site coffee plantation.
Ngorongoro Crater Lodge Perched high on the Ngorongoro Crater rim, Ngorongoro Crater Lodge overlooks one of the most fascinating volcanic calderas in the world. The Crater Lodge provides extraordinary accommodation in a spectacular situation. This safari Lodge is a unique combination of style and setting. Carved into the topmost reaches of the Ngorongoro Crater rim, the Crater Lodge is a dream-inspiring haven of artisan crafts and burning fire bowls, samovars, fresh roses and sumptuous gourmet delights. It is opulent and yet intimate, with no more than 12 guests in each separate 'camp', and a very subtle ratio of three staff to each guest.
Ngorongoro Sopa Lodge From its prime position on the eastern rim of the famous Ngorongoro crater, Ngorongoro Sopa Lodge offers safari participant sophisticated comfort that the early explorers (Stanley, Livingstone, Speke) could only have dreamt of. The lodge has more than 100 rooms all equipped with two queen-sized beds, carpets, fully tiled bathroom with bidets and hair dryers, and private lounge with mini bar. The lodge's swimming pool overlooks the crater.


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Southern Fish Stew
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Author Notes: Put some South in your mouth! Healthier than jambalaya and easier and more economical than bouillabaisse, this one-dish stew features convenient frozen veggies and protein-rich firm fish. And, it's loaded with nutrients like Vitamin C and magnesium, which help control blood pressure, and lycopene, which may help prevent prostate cancer. —Susan E. Levy
Serves 4
- 1 medium onion, sliced into thin strips
- 1 cup lima beans, canned or frozen
- ½ cups chicken or vegetable broth, low sodium
- 2 cups fresh or frozen okra
- 1 14.5 ounces can tomatoes with juice, diced or cut, stewed or with spices
- 1 teaspoon basil, oregano, thyme
- 1 pinch cayenne (optional for a little zing)
- ¾ pounds firm fish cut into edible chunks (snapper or cod are excellent)
- Spray nonstick pan with olive oil and sauté the onion over medium heat for a few minutes until wilted, but not brown.
- Stir in lima beans and chicken broth. Simmer covered for 5 minutes.
- Serve in bowls by itself or over a ½ cup serving of rice or polenta. Garnish with sliced black olives and chopped cilantro.
- Per serving: 187 calories, 21 gm protein, 24 gm carbohydrate,1 gm fat, 0 gm sat, 0 gm mono, 31 mg cholesterol, 5 gm fiber, 320 mg sodium
- THE SEASONED COOK You can substitute green bean, zucchini, kale, spinach or shredded cabbage for okra or lima beans. Keep it simple. Also, keep frozen or canned vegetables on hand to create this perfect simple supper if you are low on fresh ones. For an even more down home flavor, use smoked paprika.
More Great Recipes:
Fish & Seafood|Vegetables|Entrees|Stews|Okra


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Photo: Farm Sanctuary (Flickr)
Denny's is the latest restaurant chain to announce it will stop purchasing pork from farmers who crate their pigs. While animal rights activists are cheering, pork farmers are incensed.
Stopping Stalls
Pregnant sows are often held in crates to keep them from being crowded out at the trough, but the enclosures are often little bigger than the pig itself, leading to stress and various health issues.
Denny's is following in the footsteps of other major chains like McDonald's and Burger King who have already stopped or plan to stop using pork from suppliers that use gestation crates.
Trust and Pork Farmers
Domino's Pizza, on the other hand, has announced it would not cease purchasing meat rendered from crated swine.
This has pleased pork farmers like Chris Chinn published a blog piece expressing her approval. Emphasizing farmers' use of crates for protection, she hailed Domino's trust in farmers' expertise. "Domino's decision speaks volumes to me as a farmer," she wrote. "It shows they trust the experts I trust. It shows they trust me. I appreciate that."
Supporters of Domino's have been encouraged to buy pizza and send the company a thank you note.
Opponents of crating might send their own letters to Denny's, or head to the farmers market and buy meat from suppliers they know and trust.
Read More:
- Denny's is the Latest Restaurant to Ban Pork From Gestation Stalls (Wisconsin Ag Connection)
- Thank Domino's; order a pizza (Pork Network)
- Opinion: "Thank you, Domino's, for trusting hog farmers" (Harvest Public Media)


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The big story surrounding Obama's Supreme Court nominee, Elena Kagan, is that while she was working for the Clinton White House, she secretly drafted a "scientific opinion" for the American College of Obstetricians and Gynecologists claiming that partial-birth abortions were necessary. In other words:
- Kagan's boss, President Bill Clinton, wanted partial-birth abortion to remain legal.
- The medical groups (ACOG and the AMA) admitted that there were no known cases of a partial-birth abortion being the only option.
- Kagan fixed this by telling these groups what they should say instead. In other words, she lied about the science, and got medical groups to do the same.
- ACOG's brief was taken by the Supreme Court as medical expertise (unaware that it was written by a Clinton political appointee with no scientific expertise whatsoever).
- This brief was one of the reasons cited by the Court for striking down the partial-birth abortion ban.
James Taranto of the Wall Street Journal explains:
Shannen Coffin, who served as a deputy assistant attorney general in George W. Bush's administration, has a revelation about Kagan that is something of a blockbuster. When the U.S. Supreme Court overturned Nebraska's ban on partial-birth abortion in 2000, it relied in part on the scientific opinion of "a 'select panel' of the American College of Obstetricians and Gynecologists (ACOG), a supposedly nonpartisan physicians' group" that partial-birth abortion "may be the best or most appropriate procedure in a particular circumstance to save the life or preserve the health of a woman."
It turns out the "scientist" who wrote these words was one Elena Kagan, a political aide in the Clinton White House.
In 1996, Kagan and others in the White House were strategizing about how to uphold President Clinton's veto of a federal bill that would have banned partial-birth abortion. The ACOG told the White House that its task force on the subject had reported that "in the vast majority of cases, selection of the partial birth procedure is not necessary to avert serious adverse consequences to a woman's health." Here's what happened next:
Upon receiving the task force's draft statement, Kagan noted in another internal memorandum that the draft ACOG formulation "would be a disaster–not the less so (in fact, the more so) because ACOG continues to oppose the legislation." Any expression of doubt by a leading medical body about the efficacy of the procedure would severely undermine the case against the ban.
So Kagan set about solving the problem. Her notes, produced by the White House to the Senate Judiciary Committee, show that she herself drafted the critical language hedging ACOG's position. On a document captioned "Suggested Options"–which she apparently faxed to the legislative director at ACOG–Kagan proposed that ACOG include the following language: "An intact D&X [the medical term for the procedure], however, may be the best or most appropriate procedure in a particular circumstance to save the life or preserve the health of a woman."
Kagan's language was copied verbatim by the ACOG executive board into its final statement, where it then became one of the greatest evidentiary hurdles faced by Justice Department lawyers (of whom I was one) in defending the federal ban.
The ACOG's behavior here is similar to that of climate scientists who corrupt the scientific method in order to advance political goals. Coffin notes that President Obama "promised in his inaugural address to 'restore science to its rightful place' "–by which he seems to have meant handmaiden to left-wing politicians.
It's one thing to be pro-choice. It's quite another to think it's morally acceptable to suck the brains out of a baby while he is being delivered by his mother. And it's another thing, perhaps even more vile, to be so rabidly in favor of this that you're willing to purposely skew the scientific evidence to make sure it stays legal.
Consider that. The actual groups with medical knowledge on this issue – groups which aren't remotely pro-life – didn't find partial-birth abortion necessary. Given that, what possible excuse could there be for Kagan's conduct?
This behavior is simply stunning.


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Page Flip: Walt Frazier, Rockin' Steady: A Guide to Basketball and Cool (1973)Thursday, June 30th, 2016
On guarding Pete Maravich (p. 49): "You try to get him angry at himself, so you pressure him. If he makes a bad pass or you steal it from him you might be able to break downcourt for an easy layup because he's at the other end talking to himself. And with his hair flying, you sort of wait for him to stop dribbling. Then for a second all the hair that's been flying in the wind comes down over his face and he can't see. That's when you steal the ball. He can make the most incredible shots. When he's hot, you just have to wait until the hurricane lets up."


text: Save yourself time by preparing baby's milk powder in advance with the Tommee-Tippee® Closer to nature milk powder dispensers. Especially when you're on the move these containers can keep up to 8 scoops of powder safe and dry and ready to mix and use whenever you are. Hygienic and BPA free, the containers fit neatly into Tommee-Tippee® 260ml bottles.


text: Ashley and Charlie's engagement album features large white areas for guests to write messages and little notes on their wedding day. This would replace a typical guest book. This style of album feels more personal and will definitely get looked at more then an album with just a bunch of signatures. This is was printed as one of my Traveler album's and I would be happy to show it to you. Enjoy their engagement session.


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South Australia. New Zealand travel guides, regional and destination information for your vacation and holiday planning. Tourist information for travellers. South Australia
In Tourist Information > Australia > South AustraliaNew Zealand travel guides, regional and destination information, visitor information centres and other resources for vacation and holiday planning. New Zealand tourist information for travellers.