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Here's the link to the audio version of this message: https://pogoplug.com/s/x_BLvwtPA60/
Mark Wheeler
Luke 1:26-56
"Advent 2: God's Grace Revealed: Learn to Express Grateful Praise"
December 6, 2015
Lidgerwood Presbyterian Church
Lord, above all else, I want to be used by You in Your saving work. Show me Your will and help me to do it. Amen.
Bud Cook worked in a manufacturing plant. George Dempster was a young man trying to discover his vocation. John Winterling owned his own business building and selling campers and boat trailers and racks. Steve Collins was an engineer with a major oil company.
These names mean nothing to you, but to me they each in their own way turned my world upside down. God used them to help me know Jesus personally, and to trust Jesus with my life.
There have been scores of others, some of whom are sitting in this room with us today, but I chose these four men because they represent a variety of levels of education and life skills and career directions. And God used them all in powerfully meaningful ways to introduce me to Jesus. They are/were ordinary individuals who had extraordinary willingness to be used by God in His saving work.
You could all make your own lists, and they would also be filled with ordinary Janes and Joes who were willing to listen to and obey God.
Do you think your name might be on someone's list? Are you willing to allow the Lord to work through you to bring others into a saving relationship with Him?
Last Sunday we officially entered into the season which prepares us for Christmas, and we were invited, along with Zechariah the nearly retired priest and his post-menopausal wife Elizabeth, to keep our eyes and our faith open to see what God is already doing all around us.
Today we watch another couple, Joseph, a carpenter, and Mary, a barely pubescent girl, from a backwoods village, as they willingly listen to and obey God.
In The Gospel according to Luke we discover another story of preparing for the birthday of our Savior. In the middle of Luke's unique story about the birth of John the Baptist, he interrupts himself with the story of the unmarried Virgin Mary's announcement of her pregnancy!
Listen to how Luke 1:26-29 begins this interruption: In the sixth month of Elizabeth's pregnancy, God sent the angel Gabriel to Nazareth, a town in Galilee, to a virgin pledged to be married to a man named Joseph, a descendant of David. The virgin's name was Mary. The angel went to her and said, "Greetings, you who are highly favored! The Lord is with you." Mary was greatly troubled at his words and wondered what kind of greeting this might be.
Put yourself in Mary's sandals for just a minute. She's engaged to be married, but not married yet somewhere between the ages of 12 and 14 years (that was normal marrying age for women in the Middle East 2,000 years ago); from the "dogtown" neighborhood of the Hillyard section of the nation of Israel. We know really nothing about her family background (except that Matthew tells us she comes from the distant lineage of David, a shepherd-boy turned King). And an angel of the Lord presents himself to her and speaks amazing, incredible, unbelievable words of blessing and affirmation!
Her reaction? "Greatly troubled" and "wondered what this means". The JB Phillips translation says she was "greatly perturbed" and wondered what this "could possibly mean".
But notice, Mary did not simply dismiss this. Mary was OPEN to hearing from God. She wasn't expecting it – but she certainly did not reject it out of hand. Mary was as "ordinary" a young woman as young women get – meaning she did not carry clout, her name did not evoke awe, she had no money or influence. But, Mary was OPEN to hearing from God. And she invites us to Be OPEN to hear from God.
Listen as Luke 1:30-33 continues the Zechariah-and-Elizabeth-story interruption: But the angel said to her, "Do not be afraid, Mary; you have found favor with God. You will conceive and give birth to a son, and you are to call him Jesus. He will be great and will be called the Son of the Most High. The Lord God will give him the throne of his father David, and he will reign over Jacob's descendants forever; his kingdom will never end."
Again, remember who Mary is: engaged to be married, but not married yet, somewhere between the ages of 12 and 14 years; and this "angel" tells her she's gonna be pregnant! – But even more than being pregnant out of wedlock, she's gonna be pregnant with Jesus (Yeshua – The Lord saves), the Son of the Most High!, the King of all kings! Whose Kingdom will never end!
Wait! What? Me?! No way!
But, being OPEN to hearing from God leads to being ready to LEARN God's plan!
In the shock-and-awe of this angelic announcement, Mary LEARNs God's plan. And as "ordinary" a girl as Mary was (at least from our limited human perspectives), God was going to use her in the most major way imaginable. If we want to understand God's will in our life choices and directions, we need to be ready to LEARN God's plan.
Luke 1:38 gives us Mary's well-known response: "I am the Lord's servant," Mary answered. "May your word to me be fulfilled." Then the angel left her.
Mary does the most difficult thing I can conceive. She makes a HUMBLE commitment. Why do I say that that is so hard? Two reasons:
- an unwed, unexpected teenaged pregnancy is always a difficult place – the circumstances are less than ideal, the burdens seem overwhelming, the fear is crippling, and in her day it could have meant being put to death! And still, she made that commitment!
- She made this commitment with HUMILITY! I do not find it too hard, most of the time, to make the right decision. But to do so showing HUMILITY is super difficult. Especially if there's the potential for debate about it. I will quote the Bible and Church tradition and God's ideal – like as if I'm the only one who has a total grasp of God's righteousness.
Mary shows us that by actually being OPEN to receive a Word from God and really LEARNING His will, we can make a HUMBLE commitment to obey. The angel left her because there was no need for him to stay following Mary's beautiful HUMILITY ("I am the Lord's servant") and devoted commitment ("May your word to me be fulfilled [in me]").
Remember that this whole story of Jesus' conception is an interruption in the middle of the story describing the birth of John the Baptist, and Luke masterfully concludes this interruption in Luke 1:46-49 with Mary's EXPRESSION of grateful praise: And Mary said: "My soul glorifies the Lord
and my spirit rejoices in God my Savior, for he has been mindful of the humble state of his servant.
From now on all generations will call me blessed, for the Mighty One has done great things for me—
holy is his name…."
Are we able to do that? This might be the proof of faith. In the middle of life's most difficult moments, can we still lift our voices and our hands in praise to God?
When the power goes out in the bitter cold weather, can we still sing God's glory?
When the diagnosis is in, and it's not hopeful news, can we still proclaim perfect hope in Jesus?
When another mass shooting hits the airwaves, or the school or care center just down the street, can we still declare our praise to the sovereign God of the universe?
Let me quote from a Facebook Friend in CA; Joyce was in my youth group at church 40+ years ago when I was still in HS and she was in Jr Hi. She wrote this on Friday:
"The stress of the never ending escrow, the sickness caused by the stress, the inability to live life as usual due to the circumstance, the desire to make changes that are put on hold due to the never ending escrow. Not being able to decorate, shop or celebrate the season in normal ways because we live out of boxes. The sadness/stress/concern about many loved ones mental and physical state. And not to mention the recent events in the world…..the only comfort/strength I rely on is our Father in Heaven. Standing strong in His name. Amen."
Joyce is an ordinary woman, a wife and mother, with an AA degree, working for a construction company. And God uses her to share His grace and mercy. Joyce has Learned to EXPRESS grateful praise!
When Jesus walked this earth, He chose 12 ordinary men to listen to Him, to learn from Him, humbly commit their lives to Him – very ordinary men, rugged fishermen, educated government employees, quiet leaders, anti-government activists, literally people from across every spectrum. And, because they were willing to be used for God's Kingdom purposes – they did listen and learn and commit – and to the end, they each learned to EXPRESS grateful praise to their Lord and Savior.
Eleven of these twelve went on and turned the world upside down expressing that grateful praise and telling others about Jesus. The one who didn't regrets his decision into eternity.
Are you OPEN to hear from God? Are we as a church?
Do you know your part in God's larger plan? As a church, are we LEARNing that?
Are you HUMBLY committed to God's will? Is LPC?
Are you praising God for using even you in His work? Let's EXPRESS our praise together!
Pray with me the prayer on the bottom of your Sermon Notes page, and let's live into this prayer:
"Gracious Lord, thank You for choosing ordinary people like me to accomplish Your will. Amen."
Family Bible Study; "Advanced Bible Study Commentary"; Winter 2002-03; Pp. 17-24.
Family Bible Study; "The Herschel Hobbs Commentary"; Winter 2002-03; Pp. 17-26.


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Churchill Downs Incorporated Reports 2011 Third-Quarter Results
To view financial tables, click here.
- Net Revenues from Continuing Operations Grow 13 Percent, Reach New Q3 High
- EBITDA More Than Doubles From Prior-Year Period
- Growth in Gaming and Online Business Segments Fuels Higher Earnings
Churchill Downs Incorporated ("CDI" or "the Company") (NASDAQ: CHDN) today reported business results for the third quarter and nine months ended Sept. 30, 2011.
Net revenues from continuing operations set a new record for the third quarter, climbing to $166.3 million, up 13 percent from the $147.5 million recorded during the third quarter of 2010. The increase was due primarily to the inclusion of net revenues of $13.4 million generated by Harlow's Casino Resort & Hotel ("Harlow's"), which the Company acquired in December 2010, as well as the improved quarter-over-quarter performance of the Calder Casino and the Company's Online business segment. CDI's online-wagering company, TwinSpires.com, experienced a wagering increase of 4.2 percent as compared to the prior-year period, which was partially due to growth in new customers and an increase in average-daily wagering through the platform. During the third quarter of 2011, total wagering on U.S. Thoroughbred races declined an average of 7.4 percent compared to the same period in 2010, according to statistics released by the Equibase Company.
EBITDA (earnings before interest, taxes, depreciation and amortization) for this year's third quarter more than doubled to $43.0 million from the $17.1 million recorded during the third quarter of 2010. Significant items affecting CDI's EBITDA growth include the impact of the receipt of $19.3 million in Illinois Horse Racing Equity Trust Fund proceeds recorded as miscellaneous, other income during the quarter. The Trust Fund monies were related to Illinois riverboat casino impact fees that had been held in escrow pending the resolution of litigation. CDI's share of the Trust Fund monies contributed to higher Racing Operations EBITDA for the third quarter of 2011. Gaming EBITDA also increased $5.3 million quarter-over-quarter, due to the inclusion of $4.0 million of EBITDA from Harlow's and an increase of $0.9 million of EBITDA from the Calder Casino. EBITDA from CDI's Online business grew $4.0 million compared to the year-earlier quarter, due to an increase of $2.2 million in pari-mutuel revenue as well as the impact of charges related to the Youbet.com integration that were recorded during the third quarter of 2010.
Net earnings from continuing operations for the period were $19.7 million, or $1.16 per diluted common share, versus $3.7 million, or $0.22 per diluted common share, in the third quarter of 2010. Net earnings from continuing operations were positively impacted by the continued growth of the Company's Gaming and Online business segments and the inclusion of Illinois Horse Racing Equity Trust Fund monies during the quarter.
CDI Chairman and Chief Executive Officer Robert L. Evans said, "It was a very good quarter, even when we exclude the impact of the Illinois Horse Racing Equity Trust Fund proceeds. Once again, the decline in net revenues and EBITDA—excluding those Trust Fund proceeds—in our Racing Operations was more than offset by significant gains in our Online and Gaming businesses. We used the resulting cash flow to pay down another $28.6 million in long-term debt during the third quarter, bringing our debt reduction for the first nine months of the year to $108.8 million."
A conference call regarding this news release is scheduled for Thursday, Oct. 27, 2011, at 9 a.m. EDT. Investors and other interested parties may listen to the teleconference by accessing the online, real-time webcast and broadcast of the call at http://ir.churchilldownsincorporated.com/events.cfm or by dialing (877) 372-0878 and entering the conference ID number 52962986 at least 10 minutes before the appointed time. International callers should dial (253) 237-1169. An online replay of the call will be available at http://ir.churchilldownsincorporated.com/events.cfm by noon EDT. A copy of the Churchill Downs Incorporated's news release announcing quarterly results and relevant financial and statistical information about the period will be accessible at www.churchilldownsincorporated.com.
In addition to the results provided in accordance with U.S. Generally Accepted Accounting Principles ("GAAP"), CDI has provided a non-GAAP measurement, which presents a financial measure of earnings before interest, taxes, depreciation and amortization ("EBITDA"). CDI uses EBITDA as a key performance measure of results of operations for purposes of evaluating performance internally. CDI believes the use of this measure enables management and investors to evaluate and compare, from period to period, CDI's operating performance in a meaningful and consistent manner. This non-GAAP measurement is not intended to replace the presentation of CDI's financial results in accordance with GAAP. A reconciliation of EBITDA to net earnings is included in the Supplemental Information by Operating Unit table within this news release.
Churchill Downs Incorporated ("CDI") (NASDAQ: CHDN), headquartered in Louisville, Ky., owns and operates the world-renowned Churchill Downs Racetrack, home of the Kentucky Derby and Kentucky Oaks, as well as racetrack and casino operations and a poker room in Miami Gardens, Fla.; racetrack, casino and video poker operations in New Orleans,. La.; racetrack operations in Arlington Heights, Ill.; and a casino resort in Greenville, Miss. CDI also owns the country's premier account-wagering company, TwinSpires.com, and other advance-deposit wagering providers; the totalizator company, United Tote; and a collection of racing-related telecommunications and data companies. Information about CDI can be found online at www.churchilldownsincorporated.com.
Information set forth in this discussion and analysis contains various "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. The Private Securities Litigation Reform Act of 1995 (the "Act") provides certain "safe harbor" provisions for forward-looking statements. All forward-looking statements made in this Quarterly Report on Form 10-Q are made pursuant to the Act. The reader is cautioned that such forward-looking statements are based on information available at the time and/or management's good faith belief with respect to future events, and are subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in the statements. Forward-looking statements speak only as of the date the statement was made. We assume no obligation to update forward-looking information to reflect actual results, changes in assumptions or changes in other factors affecting forward-looking information. Forward-looking statements are typically identified by the use of terms such as "anticipate," "believe," "could," "estimate," "expect," "intend," "may," "might," "plan," "predict," "project," "should," "will," and similar words, although some forward-looking statements are expressed differently. Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct. Important factors that could cause actual results to differ materially from expectations include: the effect of global economic conditions, including any disruptions in the credit markets; a decrease in consumers' discretionary income; the effect (including possible increases in the cost of doing business) resulting from future war and terrorist activities or political uncertainties; the overall economic environment; the impact of increasing insurance costs; the impact of interest rate fluctuations; the effect of any change in our accounting policies or practices; the financial performance of our racing operations; the impact of gaming competition (including lotteries, online gaming and riverboat, cruise ship and land-based casinos) and other sports and entertainment options in the markets in which we operate; our ability to maintain racing and gaming licenses to conduct our businesses; the impact of live racing day competition with other Florida, Illinois and Louisiana racetracks within those respective markets; the impact of higher purses and other incentives in states that compete with our racetracks; costs associated with our efforts in support of alternative gaming initiatives; costs associated with customer relationship management initiatives; a substantial change in law or regulations affecting pari-mutuel and gaming activities; a substantial change in allocation of live racing days; changes in Kentucky, Florida, Illinois or Louisiana law or regulations that impact revenues or costs of racing operations in those states; the presence of wagering and gaming operations at other states' racetracks and casinos near our operations; our continued ability to effectively compete for the country's horses and trainers necessary to achieve full field horse races; our continued ability to grow our share of the interstate simulcast market and obtain the consents of horsemen's groups to interstate simulcasting; our ability to enter into agreements with other industry constituents for the purchase and sale of racing content for wagering purposes; our ability to execute our acquisition strategy and to complete or successfully operate planned expansion projects; our ability to successfully complete any divestiture transaction; market reaction to our expansion projects; the inability of our totalisator company, United Tote, to maintain its processes accurately or keep its technology current; our accountability for environmental contamination; the ability of our online business to prevent security breaches within its online technologies; the loss of key personnel; the impact of natural and other disasters on our operations and our ability to obtain insurance recoveries in respect of such losses (including losses related to business interruption); our ability to integrate any businesses we acquire into our existing operations, including our ability to maintain revenues at historic levels and achieve anticipated cost savings; the impact of wagering laws, including changes in laws or enforcement of those laws by regulatory agencies; the outcome of pending or threatened litigation; changes in our relationships with horsemen's groups and their memberships; our ability to reach agreement with horsemen's groups on future purse and other agreements (including, without limiting, agreements on sharing of revenues from gaming and advance deposit wagering); the effect of claims of third parties to intellectual property rights; and the volatility of our stock price.
The reader should read this discussion in conjunction with the Condensed Consolidated Financial Statements included in this Quarterly Report on Form 10-Q and the Company's Annual Report on Form 10-K for the year ended Dec. 31, 2010, for further information, including Part I – Item 1A, "Risk Factors" for a discussion regarding some of the reasons that actual results may be materially different from those we anticipate, as modified by Part II – Item 1A, "Risk Factors" of this Quarterly Report on Form 10-Q.

subset: commoncrawl


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Small exporters putting brakes on investments2 min read . Updated: 02 Oct 2007, 12:25 AM IST
Small exporters putting brakes on investments
Small exporters putting brakes on investments
New Delhi: India's smaller exporters are putting their investment plans on hold in the wake of the sharp appreciation of the rupee against the dollar, which has eroded their cost competitiveness in the global market.
G.K. Gupta, president, Fieo, said at a press conference that members have seen an erosion of 8-9% of profits this year on account of the rupee's appreciation. The erosion of profits and competitiveness have triggered suspension of investment plans. "The rate of appreciation is the problem," Gupta added.
"The volatility and suddenness of the move (rupee's appreciation) has affected them (smaller exporters). In an uncertain market, investment gets hit," said Samiran Chakraborty, chief economist at ICICI Bank Ltd
The rupee has appreciated 11.4% against the dollar this year, the sharpest among Asian currencies; other Asian countries are India's dominant competitors in its traditional exports such as leather, textiles and handicraft. The Indian currency touched Rs39.62 to the dollar on 26 September, the highest level since April 1998. It closed at Rs39.85 to the dollar on Monday.
The impact of a slowdown in investment by exporters on the overall economic growth is difficult to assess at this moment. "After March 2004, there's been a structural shift in the economy, which makes it difficult to calculate the impact," said Chakraborty. The economic growth in the first quarter of 2007-08 was 9.3%, marginally lower than the 9.4% rate in 2006-07.
M. Rafeeque Ahmed, chairman of Farida Group, which exports leather footwear, said that the group has put on hold plans to increase its capacity from the current 25,000 units a day to 40,000 units on account of the rupee's appreciation. Initially, the group planned to add this capacity by May 2008, added Ahmed.
Tirupur in Tamil Nadu, home to several textile exporters, has been adversely affected by the recent events. According to A. Sakthivel, a Tirupur-based entrepreneur and vice-president and chairman of Fieo's southern region, companies in the town have begun to suspend expansion plans. The town has also begun to see lay-offs in the wake of the rupee appreciation as some companies have been unable to cope with the situation. About 7,000-8,000 people of Tirupur's total workforce of 400,000 were laid off recently, said Sakthivel.
The rupee's appreciation has begun to show up in the form of a slowdown in overall export growth. According to the Reserve Bank of India, merchandise exports in the first quarter of 2007-08 grew by 17.1%, compared with 23.7% in the same period in 2006-07.
Trade data for April-August period released by the commerce ministry on Monday showed that exports grew 18.36% year-on-year to $59.48 billion.
Fieo has suggested that the government adopted a mix of measures to mitigate the impact of the rupee's appreciation on exporters. Its suggestions include monetary measures to reduce interest rates, administrative measures to reduce working capital needs of exporters and creating an institutional mechanism in the form of a high-level committee to identify long-term solutions to the problem.


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BC-SOC--Ecuador-US Lineups,1st Ld-Writethru
ORLANDO, Fla. (AP) — Christian Pulisic, Weston McKennie and Tyler Adams, a trio of 20-year-olds who have become regulars in the German Bundesliga, started together for the first time in the United States' exhibition against Ecuador.
In his first game with the full player pool to pick from, new U.S. coach Gregg Berhalter started Sean Johnson in goal on Thursday night. Adams was at right back, John Brooks and Aaron Long in central defense and Tim Ream at left back — his first appearance since a poor performance in the 2-0 home loss to Costa Rica in a World Cup qualifier in September 2017. Ream, the oldest American starter at 31, captained the U.S. for the first time.
Wil Trapp was in holding midfield, and McKennie and Pulisic were central attacking midfielders in what Berhalter called a 4-3-3 formation. Gyasi Zardes and Paul Arriola were on the wings, and Jordan Morris was up front. Morris had not appeared since January 2018, a month before tearing his right anterior cruciate ligament.
Johnson, a 29-year-old competing for the starting job in the post-Tim Howard era, made just his third international start and first since a 1-0 victory over Costa Rica on July 13, 2013, in the group stage of the CONCACAF Gold Cup.
Four players did not dress: goalkeeper Jesse Gonzalez, defenders Omar Gonzalez and Nick Lima, and forward Christian Ramirez.
More AP soccer: https://apnews.com/apf-Soccer and https://twitter.com/AP_Sports


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Journal of Clinical Studies and Medical Case Reports is an multidisciplinary international peer reviewed open access journal with ISSN: 2378-8801 provides a platform for researchers and practitioners all over the world to promote, share and examine different new issues and developments in the fields of clinical studies, medical studies, clinical case reports and medical case reports.
Journal of Clinical Studies and Medical Case Reports delivers peer-reviewed articles by publishing case reports of various cases, which help researchers and healthcare professionals. Articles can be accessed through Google scholar, DOI and J-Gate, as this journal is indexed in theses indexing sites. Readers can access and download the articles freely, which eventually increases the impact factor.
A global representation on the editorial board will help advance the practice globally and shed light on international advances in practice, education and research, with a single common goal to reduce suffering and promote excellence in patient care worldwide.
The journal distributes unique papers including but not limited to the following fields:


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Dr Beth Gott - The art of healing: five medicinal plants used by Aboriginal Australians (5/6/2018)
A/Professor Damian Dowling - New Monash study has implications for Senate Inquiry into Mitochondrial Donation (23/5/2018)
Professor Dustin Marshall - Body Size vs Reproductive Output (16/5/2018)
Professor Dustin Marshall - Catch of the day: letting the big one get away is the key to protecting all the fish in the sea (16/5/2018)
Professor Craig White appointed Faculty's New Associate Dean Research (8/5/2018)
A/Professor Richard Reina - Discover What Makes A Successful Career In Science (8/5/2018)
Dr Jeremy Barr - Inside us, bacteriophages fight a never-ending war (24/4/2018)
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The consultants have experience primarily with the R and Stata statistical analysis systems, but they work with clients using whatever statistical package is most convenient for them. (Note: Statistical consulting is for study design and data analysis advice, not software tutorials.)
To schedule an appointment, contact the Dept of Biostatistics or the Dept of Statistics (see below). Researchers may schedule an appointment in either department. The schedule of appointments for the current academic quarter may be seen in the U.W. Statistical Consulting Calendar. You may request an appointment by phone or email (contact information below), or by submitting the Problem Description Form required for all new appointments.
Extensive hands-on assistance with data analysis is not generally available without funding, although staff can often provide direct assistance with "small" data analysis projects. Certain larger projects can sometimes be addressed as independent study projects for select graduate students. University researchers with a need for assistance with substantial data analysis are welcome to contact Paul Sampson (email@example.com) directly with details of their scientific problem. Fee-based consulting on major projects is also provided by the Center for Biomedical Statistics in the U.W. Institute of Translational Health Sciences.
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Band Members:
Steve Vai - guitar
Albert Lee - guitar
John 5 - guitar
01. Death Valley
02. Blues Balls
03. Gods And Monsters
04. Die
05. Perineum
06. Fiddler's
07. Gein With Envy
08. Behind The Nut Love
09. Soul Of A Robot
10. Sin
11. Damaged
12. Denouement
I had the pleasure of listening to John 5's last release and this one is even more fascinating. He can go from bluegrass music to metal without missing a beat. And he tracks the songs on here so well that it all comes together into a neat package. The guy is just flat out an awesome guitarist and he holds your undivided attention the entire time.


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High School Sports
Top seed ends the boys basketball season for Atascadero
Despite Robbie Berwick's 31-point effort, the Atascadero High boys basketball team fell 79-57 at Leuzinger in the quarterfinals of the CIF-Southern Section Division 3AA playoffs Tuesday night.
The loss marks the second consecutive season that the Greyhounds lost in the quarterfinals. Atascadero fell 75-46 at Oak Park in the Division 3A quarterfinals a season ago.
Berwick shot 9 of 14 from the field and 7 of 8 at the free-throw line. Joe Johnson added seven points, Connor Kim had six and Kevin Woodard had
four points and six rebounds for the Greyhounds (19-9).
Atascadero trailed 16-7 at the end of the first quarter and 35-22 at halftime.
Eric Childress led Leuzinger with 25 points and 11 assists.
The Greyhounds, who tied for the PAC 7 title with Righetti, were playing without Jared Stuedemann for the third straight game in the playoffs because of an ankle injury. Atascadero won its first two playoff games at home.


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A man appeared in Chilliwack Supreme Court on Wednesday for sentencing recommendations. Amrit Gill, 23, was convicted of manslaughter in October 2011. Crown counsel asked for a sentence of six to seven years in prison for the killing of 18-year-old Harvey Hans in Abbotsford in 2008.
A fight in Abbotsford on May 24, 2008 led to Hans throat being slashed on the front lawn of his home. The co-accused in the case, Shavinder Brar, pleaded guilty to manslaughter and was sentenced to five years in jail in June 2011.
It was alleged at the time -the altercation was the result of an earlier fight in which Hans is alleged to of punched Brar's younger brother.
In retaliation Brar, Gill and a number of other were said to have waited to attack Hans and seriously cutting his throat . Police arrived on the scene after a 911 call and Hans died some ten hours after the attack.
In a courtroom filed with the friends and families of both Gill and Hans, Gill apologized to the Hans family in court. Gill, is currently on bail with strict conditions. Justice Grist was to make decision on sentencing on Jan. 6.


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Advertise with us
Learn more about what's happening in the field of celiac disease research.
It's an exciting time in the field of celiac disease! Research is suggesting that the gluten-free diet alone is not enough to stay healthy for most people living with this serious genetic autoimmune condition. The U.S. Food and Drug Administration (FDA) is responding to the need for alternative therapies to treat celiac disease. On March 30-31, 2015, the FDA is hosting a landmark event focused on improving our treatment options: The Gastroenterology Regulatory Endpoints and the Advancement of Therapeutics (GREAT) 3 Workshop.
The National Foundation for Celiac Awareness (NFCA) is thrilled to be part of this momentous event. Members of the NFCA team will be in attendance, including President and CEO Alice Bast. Alice will represent the voice of our community through a presentation focused on the unmet needs of those living with celiac disease.
Listen In to the GREAT3 Workshop Live
Don't miss a moment of the action! The FDA will allow people to remotely tune in to this landmark meeting. Learn more about the GREAT3 Workshop and how you can listen in.
Special Free Webinar from NFCA: The Future of Drug Therapy for Celiac Disease: Get the Honest Facts
Following the GREAT 3 Workshop, NFCA Director of Healthcare Initiatives, Kristin Voorhees, MA, will moderate a free webinar drawing together celiac disease experts and patients to give you the honest facts on celiac disease drug therapies, what they mean for you and why a treatment beyond only the gluten-free diet is needed. Learn more and register.


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This morning, BR and I were having breakfast, when all of a sudden I noticed some movement outside our kitchen window. I turned BR's high chair around so she would have a good view, ran to get the camera, and started snapping.
At first, you could barely see them:
Then a brave soul ventured a little closer:
Soon to be joined by a few friends:
BR couldn't stop laughing at their white tails :)
Friday, December 04, 2009
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Even from the outside, you'll see that the iPhone 4 marks the biggest upgrade since the iPhone 3G (the 3GS didn't add much beyond a compass). The profile is thinner and you'll notice a new front-facing camera (more on that later). The iPhone 4 also serves as the debut device for the newly named iOS 4 operating system, which brings such much-needed features as multitasking, a unified e-mail in-box, and app folders for the home screen.
On the whole, this iPhone 4 has us more excited than we were last year when the the 3GS was born. The new features, particularly those in the new operating system, are long overdue and we welcome any efforts to improve call quality (remember that it is a phone, after all). There were a few things that we were hoping for that we didn't get–a 64GB model, among them–but we look forward to reviewing this model.
The new iPhone's design is a sharp departure from the previous iPhone models. The front and back sides are glass, both surfaces are flat, and a stainless steel border circles the entire phone. Indeed, it looks very much like the photos that appeared on Gizmodo after an Apple engineer allegedly lost it in a Redwood City, Calif., bar back in April. Other new design elements include the aforementioned front-facing camera, split volume controls, a noise-cancellation microphone, and a new LED flash with the main camera lens. The iPhone 4 also switches to a Micro-SIM format, just like the iPad.
We welcome the new design elements on a couple of levels. The flat backside means that the iPhone will no longer wobble when it's resting on a table. Also, even though the overall effect is a tad boxy, the handset has a clean and unmistakeably Apple look. At 0.37 inch (9.3mm), the iPhone 4 also is 25 percent thinner than its predecessors. Jobs called it the thinnest smartphone around, but since that race changes daily, it may not hold the title for long.
We haven't had an opportunity to test noise-cancellation feature, though we expect that they can only do good. The camera flash also is a win, and we're hoping that the front-facing camera can be used for self-portraits in addition to the new FaceTime feature. The split volume buttons are fine, even though we never had a problem with the previous control.
That said, we have a couple of concerns with the new design. It's clear that Apple is pushing the Micro-SIM format, though we're not exactly sure why. On a superficial level, it saves plastic, but a Micro-SIM doesn't offer any functional benefits over the standard SIM. Is Apple starting a new format war or is this merely a barrier (albeit, not a very high one) to iPhone jailbreakers? We'll have to wait and see the answer, but in the meantime we hope that you'll be able to use the same Micro-SIM between on an iPhone 4 and an iPad 3G.
We also have a small concern about all that glass. It is shiny and beautiful, but the glass attracts smudges by the ton and durability remains a concern. Jobs said that glass better resists scratches, but we hope that the iPhone 4 will take a few drops to the floor without cracking. On the upside, it feels solid in the hand.
The stainless steel border is more than just decorative; it doubles as a new antenna that circles the entire phone. Though Jobs did not promise that it would improve call quality or Wi-Fi reception, its very mention is an indirect admission (and the first that we've seen by Apple) that data and voice reception has been troublesome and needs to be addressed. Though current iPhone users largely blame AT&T for connectivity problems, remember that both a carrier's network and a phone's antenna play a part in reception.
Whatever the reason for its development, the redesigned antenna should be good news for iPhone users. And if it improves call quality while looking good at the same time, that's even better. We'll have to wait and see.
Apple has a unique talent for making us want something we never knew we wanted. The iPhone 4 features a 940×640-pixel (or 300 326 pixels per square inch) "Retina Display," which is four times the resolution of previous iPhone models. What's more, it uses the same IPS display that's found on the iPad with an 800:1 contrast ratio. Though we've always thought highly of the current iPhone displays, Apple rarely rests on its laurels. Also, the company needs to compete with the gorgeous AMOLED screens and TFT displays we've seen on many Android phones like the HTC Evo 4G.
In our brief hands-on, the display is clearer than crystal clear (Brian Tong's words). Since it renders all text the same, we had no problems reading a variety of Web pages. Photos looked especially lovely, particularly when you compare the same image between an iPhone 4G and an iPhone 3GS. We're not inclined to believe all of Apple's claims about the display's capabilities, but there's no denying that it looks good.
Processor and battery life
Just as we thought, the iPhone 4 will feature the same A4 chip that's found in the iPad. The result is a faster processor (always nice), plus improved battery life (even better) given the A4's efficient power management. Add in a bigger battery and we get a promise of 7 hours of talk time now, 6 hours of 3G browsing, 10 hours of Wi-Fi browsing, and 300 hours of standby. Bravo on all counts if those times hold up.
Camera changes
The iPhone's camera has always been decent, but it's lacked features found on many basic phones. That's why we applaud the 5-megapixel resolution, the new LED flash, and the 5x digital zoom. The iPhone 4 also has a new back-side illuminated sensor, which requires a more-detailed explanation. Check out my colleague Stephen Shankland's blog for a detailed look at the technology.
Though the new handset isn't called the "iPhone HD" (one of its rumored names), it records 720p high-definition video at a constant 30 frames per second. The demo looks great, even if the iPhone isn't the first cell phone to offer this capability. We can't wait to try it.


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PORTLAND — Five years after its launch, Union Bagel Co. is readying a second location in the city.
Owner Paul Farrell this week said he wouldn't be in a position to open another shop, at 46 Veranda St. in East Deering, without the support and encouragement of many people, particularly his customers.
Farrell opened Union Bagel in the basement of the Portland Public Market in 2012, as a wholesale bakery. It moved to 147 Cumberland Ave. in 2013, and has since added retail sales to the general public.
"We're opening a second location primarily to accommodate growing demand from wholesale customers," Farrell said. "The shop on Cumberland Avenue is too small to handle that and our increased retail business."
Farrell said the Veranda Street shop, near Washington Avenue, would be "very similar" to the Cumberland Avenue operation and the hope is that it will be open by late August.
"There won't be room for seats, so it will be grab and go. The menu will be the same to start, but as things settle we plan to expand it a bit at both locations to include more sandwich items and bagel varieties."
In addition, Farrell said, "We're looking to expand our hours and have an additional menu for evenings. We also plan on having (seasonal) outdoor seating."
Along with providing much-needed additional room for bagel making, he said another advantage of the new location on Veranda Street is a large parking lot.
"The location is ideal for a number of reasons," Farrell said. "It's a corner lot with a good amount of parking in a lively and supportive neighborhood with a number of local businesses, solid, long-term residents, and a lot of local foot and vehicle traffic."
"There's also a bus stop right in front of us (and) we're in a great spot to pull over and grab something quickly. With some picnic tables (available) for good weather, we'll be a great spot to come and sit for a bit and just watch the world go by."
Union Bagel sets itself apart in a couple ways, according to Farrell.
One is that the bagels are all made with "simple, quality ingredients. The most important of which is organic flour." He also said, "each batch is (still) hand rolled, boiled and baked on a stone hearth in the traditional style."
"Our mission has always been twofold: to bring the best traditional bagels to Portland and run a successful enterprise that is both supportive of and dependent upon (the) regional economy," Farrell said.
Another difference, he said, is, "We do one thing – bagels. The result is full flavor and rich texture."
"There are a lot of great bakeries in Portland, many within a one-mile radius of (us), but their primary focus isn't on one particular item or product," Farrell said.
He said he has two favorite items on his menu: "The bialy, which we do only on weekends, and sesame. On those, it's egg and cheese loaded or jalapeno cream cheese."
"A bialy is similar to a bagel, but it's not boiled and has caramelized onion, sea salt and poppy seeds baked into the center," Farrell said. "The combination of that with an egg and cheese feels slightly sinful and just hits the spot."
While he's excited about the new venture on Veranda Street, Farrell admitted there have been some tough times.
But, he said, "my wife has been a huge force in helping achieve and maintain my goals. It was her encouragement to really explore the Veranda Street location that led me there, and she kept me going through some of the darker moments that one experiences when entering the unknown."
Farrell said that his success so far has not been a one-man effort.
"From the beginning I've had an enormous amount of help from family, friends and people who like what Union Bagel is about. Second, I've had a lot of help from the (the Small Business Administration, Coastal Enterprises and the city's Office of Economic Development)."
"All have been fantastic," he said. "Always ready to help, advise and navigate the many challenges of growing a small business. They are dedicated and patient people who have really helped and encouraged Union Bagel's growth."
Traditionally baked bagels at Union Bagel in Portland.
Paul Farrell, owner of Union Bagel in Portland, making bialys. The bakery has become so successful it's opening a second location, at 46 Veranda St. in East Deering later this summer.


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Fire crews were dispatched to a reported structure fire at 9168 Withers Lane last week. The 911 call was placed by a neighbor who was looking out her window for what sounded like an alarm going off and reported that their neighbor's house was engulfed in flames. Engine 60 and District 1 were first on the scene, District Chief Jon Frye established command and confirmed a working structure fire. The two story home was fully involved upon arrival and the occupants of the home were confirmed to be out of town at the time. Due to the spread of the fire, crews made a decision to initiate a defensive fire attack immediately. Engine 60, District 1, Quint 62, Tower 61, Montgomery Quint 73, Mason Tower 52, Madeira-Indian Hill Engine 64, and Blue Ash Medic 13 all responded to the scene with District Chief Jon Frye in command. A strong initial attack was made with large diameter hose and handlines on the fire by Engine 60 on the Alpha side and Quint 62 on the Charlie side. Tower 61 and Quint 73 arrived on scene shortly after the initial attack and set up their master streams to attack the fire from above. The fire was eventually knocked down and extinguished by the hard-working crews on scene and the home was monitored for spot-fires and rekindling material. All crews did an incredible job from top to bottom and everyone went home safely. A special thanks to all Mutual-Aid companies and a job well done!
Withers Lane Fire
Structure Fire 11-19-13 0150 hours from Loveland-Symmes Fire on Vimeo.
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Sahara One
Woh Rehne Waali Mehlon Ki (Hindi:वह रहने वाली महलों की) is a Hindi language Indian television series that airs on Sahara One channel. The series premiered on 30 May 2005, and airs every Monday to Friday at 9pm IST. The show completed 1000 episodes on 17 June 2009. Also it is India's sixth longest running serial."A grand show". Indian Express. 24 June 2009. Retrieved 13 July 2010.
Arjun Punj
Shagufta Ali
Vikram Acharya
Poonam Gulati
Aamir Ali
Reena Kapoor
Usha Bacchani
Ankur Nayyar
Snehal Sahay
Alok Nath
Poonam Joshi
Kamya Punjabi
Nisha Sareen
Vinay Jain
Manoje Biddvai
Akhil Ghai
Aditya Sharma
Renuka Bondre
yashodhan rana
Karan Grover
Kaushik Ghatak
Kavita K. Barjatya
Shashi Mittal
Sumeet H Mittal
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Drop, Collaborate and Listen
Offload your busywork with OfficeDrop and ExpenseMagic
Some things work better together than apart. Tequila and lime. Phil Collins and Philip Bailey. Kneecaps.
Now working together to help you organize your finances more efficiently: OfficeDrop and ExpenseMagic.
Here's the deal: OfficeDrop is a cloud-based filing cabinet. It lets you scan and/or upload any file via Windows desktop or iPhone and Android apps. ExpenseMagic, meanwhile, digitizes and tracks receipts — you snap a pic with your iPhone, they transcribe everything into a monthly report. They're separate services, and you can sign up for both here and here.
But they also work together. All you need to do is to create a free account for each service, then connect them in one click via the "Connections" tab on ExpenseMagic. Once connected, the two services work together to "magically" organize your expenses into reports (via accountants in India, sadly not via elves).
From here, you can begin taking control of your expenses by:
- Converting your print receipts (cab fare, meals, etc.) into digital files
- Receiving expense reports based off those receipts
- Storing both your receipts and reports in a searchable folder in OfficeDrop's cloud
OfficeDrop also offers several other collaborative services, including simple one-to-two click integration with Evernote, FreshBooks (billing) and RightSignature, among others.
Go now and mind your own business.
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September 6th, 2012 | By Nick Sargen
The crux of Chairman Bernanke's argument is that unemployment is unacceptably high at 8.3%, while inflation at 2% is within the Fed's tolerance band. In these circumstances, he argues that the benefits of additional policy easing outweigh the potential costs. Regarding the benefits of such policies, Bernanke reported the results of Federal Reserve studies, which show that large scale asset purchases have significantly lowered long-term treasury yields, boosted output by almost 3% and increased private payrolls by more than 2 million jobs.
Bernanke also discussed four potential costs of unorthodox policies:
Weighing these considerations, Bernanke acknowledged that the use of nontraditional policies involve costs beyond those generally associated with more conventional policies; consequently the bar for using them is higher than for traditional policies. However, he comes down on the side of applying unorthodox policies in current circumstances for the following reason:
"As we assess the benefits and costs of alternative policy approaches, though, we must not lose sight of the daunting economic challenges that confront our nation. The stagnation of the labor market is a grave concern not only because of the enormous suffering and waste of human talent it entails, but also because persistently high levels of unemployment will wreak structural damage on our economy that could last for many years."
A recent paper by William White entitled "Ultra Easy Monetary Policy and the Law of Unintended Consequences" (August 2012), provides an interesting contrast to Bernanke's views, as it argues that the potential costs of ultra low monetary policies outweigh the benefits. White is a distinguished economist, who wrote several influential papers at the Bank of International Settlements (BIS) that criticized central banks for ignoring the impact of "asset price inflation" stemming from rapid credit creation.
White notes that policies that central banks have followed since the financial crisis reflect a Keynesean orientation, in which policy easing is justified to restore aggregate demand after a sharp economic downturn. However, he contends the effectiveness of such policies is limited as interest rates approach zero. At the same time, he points out that the Austrian school of thought warns that credit driven expansions eventually lead to a costly misallocation of real resources, which are referred to as "malinvestments."
Researchers at the BIS, in turn, have suggested that a broader spectrum of credit "imbalances", financial as well as real, could lead to boom-bust cycles that might threaten both price stability and financial stability. Since the mid 1980s, for example, the Fed and other central banks sought either to prevent downturns (after the stock market crash in October 1987) or to limit them (e.g., in 1991, 2001, and 2008). However, the respective policy easing ultimately contributed to a worldwide property boom in the late 1980s, a financial crisis in Asia in 1997-98, and subsequent bubbles in technology and real estate. White observes: "By mitigating the purging of malinvestments in successive cycles, monetary easing thus raised the likelihood of an eventual downturn that would be much more severe than a normal one."
One of the primary side effects of ultra low interest rates is on the financial sector. On the demand side, below-market interest rates can foster excessive borrowing that results in low returns, while on the supply side, it encourages imprudent lending. White contends that easy monetary conditions in the prior two decades encouraged the development of a "shadow banking system" that is based on collateral lending rather than on traditional banking relationships. He believes that low interest rates in 2003-07 made the financial sector more pro-cyclical. During the ensuing downturn, for example, financial institutions were forced to de-lever portfolios at a faster rate than in a more traditional banking system as the value of their collateral plummeted and funding in the inter-bank market halted.
In addition to commercial banks, other financial institutions have felt the unintended consequences of ultra low interest rates. They include money market mutual funds, whose viability is now a concern, and insurance companies, who are experiencing significant declines in book yields and interest spreads.
Low interest rates also carry adverse consequences for central banks. White points out central banks are now so actively involved in the interbank market and markets for government and agency securities that they effectively operate as "market makers of last resort." As such, central banks now play a critical role in the overall allocation of credit, and these actions may pose a threat to their independence in pursuing price stability. Thus, as economic agents accumulate more debt at low interest rates, central banks may hesitate to raise short rates, because such action could cause bond yields to spike. For their part, governments may regard low rates as lessening the need to worry about outsized budget deficits.
White concludes the paper with a more desirable course of action: "What central banks have done is to buy time to allow governments to follow policies that are more likely to lead to a resumption of 'strong, sustainable and balanced' global growth. If governments do not use this time wisely, then the ongoing economic and financial crisis can only worsen as the unintended consequences of current monetary policies increasingly materialize."
My own take on this issue has changed over time. Following the collapse of Lehman Brothers, I supported the Fed's actions to expand its balance sheet through long-term asset purchases, because it was vital to stabilize the financial system: Lending in the inter-bank market had plummeted, banks had cut back on credit availability, and the U.S. and global economy were in free fall. Consequently, it was imperative for the Fed and other central banks to act as lender of last resort.
As the financial system and economy stabilized, however, the Fed engaged in additional quantitative easing and "Operation Twist" even though interest rates were negative in real terms and banks were holding substantial excess reserves. In these circumstances, the transmission mechanism for monetary policy works primarily though financial markets, as the Fed encouraged investors to take on added risks. In this regard, it is interesting to note that the Fed is willing to take credit for lower bond yields and higher stock prices today, whereas in 2003-2007 it absolved itself of any blame for the boom in housing prices and narrowing in credit spreads.
Consequently, I am not convinced that additional policy easing will do much to bolster the economy or to lower unemployment, whereas the risk over time is that it will create distortions in financial markets that could backfire at some point. To be clear, I do not foresee an imminent threat of higher inflation, but the longer interest rates stay unusually low, the greater the threat to the financial system when rates need to be raised.


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Tonight's dinner was pretty much exactly what I planned, except for the group! I've been hoping to do more dinner nights at my house, and this one was born of a suggestion while out wine tasting on Sunday with Alexi that Mark and Bruce (from the winery we were at) should come hang out at my place and drink whisky.
Once that idea came out, I realized we should also do pulled pork, since Bruce (Mark the winemaker's dad) and I have talked before about southern BBQ, especially South Carolina mustard-style sauces.
So, I invited them over for pulled pork and whisky night, and they were going to check with Sam (Mark's wife) and Nancy (Bruce's). It turned out the women thought they and Mark and Sam's little girls would skip the outing, but the guys would come. I invited Alexi and her husband, and we were all set.
Also invited a couple more friends on Monday, but they finally bagged late last night, and then first thing this morning, Mark texted to say he'd had a seizure and they weren't going to make it! Yikes!
I had already made the pulled pork with the picnic roast from the half sow I'd gotten from a friend a few months ago, made mac & cheese on a whim last night after a suggestion on Facebook in the middle of my epic "rolls or cornbread" thread, had frozen shrimp defrosting for an appetizer as people arrived, and had a bag of cole slaw ready to mix up.
So, I invited a few more folks (Alexi's hubby came even though Alexi couldn't) and four of us ended up having a really nice meal.
I never got around to making corn bread, but we didn't miss it. I had gotten a couple of types of rolls, small sweet Hawaiian-style rolls and potato rolls, and the mac & cheese, while a little dry, also did well next to the pulled pork.
The South Carolina style rub I had used in making the pork, and the SC-style sauce next to it, ended up perfect!


text: Last Friday 23 May 08, I walked passed St Patrick's School on the Marine Parade Road side and saw a group of boy scouts climbing onto a rope bridge anchor. It's the same type of bridge anchor that we built during our pioneer camp at Bedok. I could not help going into the school compound to snap the above picture. Intitially, I was stopped by the leader. But, after my explanantion that I was a scout before and the bridge anchor brought me fond memory, he allowed me to do so. As in the photo, the boys were still tying the knots to the upper part of the anchor. I passed St Patrick School very often and hope to see more scout activities from the boy scouts.


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Life As A Packrat
by Vicki Hall
Hello world, it's a brand new Day In the life of this Packrat in total disarray Don't misunderstand me; my house is pretty clean It's just not the neatest place you've seen. It's time for work, at 8 sharp my bus leaves I've got my briefcase, but where are my keys Raining outside, can't deal with wet hair So where's that umbrella, upstairs somewhere. I do my housework - try to keep things in place But this Packrat keeps shopping and running out of space My kitchen is clean, though slightly disorganized The bathroom is crowded, but totally sanitized Add another room, Ha. What good would that do A few trips to the mail and I'd fill that up too. Now the work week is over, I've got a hot date Can't find my earrings, even Love has to wait I'll buy almost anything that catches my eyes And keep it long after its no longer my size, I've had it with this, it's making me ill As soon as I find that telephone, I'm calling Goodwill.


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| ATV / UTV Recreational Training Overview | ATV / UTV Beginner | ATV / UTV Intermediate |
| ATV / UTV Expert | ATV / UTV Double Expert | ATV / UTV Private | Prices |
Who is an Intermediate?
Intermediate riders/drivers are reasonably comfortable and confident of their ability to negotiate certain types of terrain and are eager to challenge themselves to improve their skills.
- Do you ever feel uneasy when challenged by:
- side hills?
- creek crossings?
- rocky trails?
- deep sand or mud?
- Would you like to know how to simplify log crossings – wet and dry – that are now tricky?
- Have you ever been sucked into a wet or dry rut at speed?
About the Class
To ensure you can immediately apply everything you are taught in actual riding/driving situations, 85 percent of this class is taught on trails just like those you will ride/drive in the future. The Intermediate class builds upon the previous class and your existing knowledge to enhance your skills and level of comfort on the trail. One part of the individual attention you will receive is participation in a skill level test which enables us to identify and teach any unmastered lower level skills. This ensures you can personally obtain maximum benefit from the class.
Click here to learn more about your Senior Instructor, Bill Uhl.
Class Content
The major topics covered include:
- Participate in a test of your skill level. (We need to know what you already know so you receive the maximum benefits from your investment in the course.)
- Skill development
- Water proofing your ATV/UTV for crossing creeks, rivers, etc.
- Shifting with and without a clutch – the why's, when's, and how's (if your machine has a clutch)
- Additional clutch lever techniques for starting out, creek crossings, uphill riding, log jumping and switchbacks
- Up and down hills
- How to turn around on a hill
- When and how to turn out on a hill
- Crossing or avoiding rocks - uphill, downhill, and on a flat
- Basic switchback – the climbing turn – uphill, downhill, right and left turns
- Water crossings – from creeks to rivers
- Slick, dry, and frosted bridges
- Roots (wet and dry – uphill and downhill)
- Ruts (wet and dry - uphill and downhill)
- Side hills (position of ATV/UTV and rider/driver; weight distribution)
- Types of soil – what to do as seasons change
- Reading the terrain ahead
- Right and left turns at speed
- Speed (identify your comfort zones)
- Overcoming dangers of cut banks and rocks that may be sticking out
- Turning around in tight quarters
- When to go slow to go fast
- How to tread lightly
Classes are normally limited to ten students.
For class cost information, please refer to the standard price matrix. You can enroll in one and two-day classes.


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If you are looking for free online courses to help boost up your understanding of the forex market, Coursera is your new best friend. Here, introduce you to The Power of Markets, taught by University of Rochester, Dean Mark Zupan. The major themes of this course are economics and finance and business management. The main objective of this course is to teach forex beginners how to ponder in a relevant way about the role markets and entrepreneurs take part in generating benefits and ultimately, improving our society. Besides learning about finance and forex trade restrictions, students will also get the golden opportunity to acquire knowledge in the health care and education field. The Power of Markets will officially start on the 4th of November 2013. Write that down, aspiring forex traders. This is something not to be missed.
Dean Mark Zupan will discuss the basic principles of microeconomics in a sedulous way. This will be achieved by using a great lot exercises to exemplify the use of theory and to reinforce your understanding of it. The course doesn't focus entirely on the forex market, sure, but these principles and strategies play a predominant part. Students will be in good hands as Dean Mark Zupan is a top-grade teacher. Having earned his BA in Economics at Havard University and PhD in Economics at Massachusetts Institute of Technology, Zupan has superior experience in teaching microeconomics. A good teacher is important; rest assured and learn something about the forex market.
This course not only helps forex traders; professionals from fields such as finance, entrepreneurship, marketing, consulting, pricing, health care, public policy, education, and law, as well. Undergraduates interested in pursuing microeconomics or forex are highly encouraged to take up the course.
The Power of Markets will be taught in English and there will be a final examination for each 4 week module.There will be weekly online quizzes and lecture notes to follow the video segment.
Detailed Info for Forex Course
In a nut shell, this is what the course syllabus for The Power of Market looks like:
Module 1
Week 1: Supply and Demand
Week 2: Supply and Demand
Week 3: Consumer Choice
Week 4: Consumer Choice and the Benefits of Exchange
Module 2
Week 5: Production
Week 6: Cost Minimization
Week 7: Profit Maximization in Perfectly Competitive Markets (key module in the forex market)
Week 8: Monopoly Power: Its Sources and How to Use It
Module 3
Week 9: Product Pricing With Monopoly Power
Week 10: Monopolistic Competition and Oligopoly
Week 11: The Market for Inputs
Week 12: Can Government Intervention Improve Market Outcomes?
If you think you have what it takes, give it a shot and see for yourself if it helps with your career in the forex industry!


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Master Cuisine Metal & Wood Paper Towel Holder
Orig. $8.00
Save $3.75 (47%)
Delivering fantastic style, this paper towel holder is made from wood and metal for a refreshing look on your counter. Its industrial design holds your paper towels easily and let you pull off a sheet with ease, thanks to the metal stopper.
- Elegant design
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- Mixing deep tones of wood with rustic metal
- Material: Acacia wood, steel
- Model number: YHD0470
- 6.5"L x 6.5"W x 13.5"H
Return Policy
If you wish to return your online order, please visit your order history to start the return process. If you have any issues, contact our Customer Care Support Center at 1-866-BIG-LOTS (244-5687) for assistance with making your return. Please be prepared to provide your order number and email address, or your rewards number, so that we may better assist you.
For return terms, see our full Returns Policy.
For return terms, see our full Returns Policy.
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Finance Committee
May 5, 2008
Present: Joseph Bartley, Sharon Coleman, Ellen Lustgarten, Craig Totaro,
Absent: Kevin Lee
Guest: Michael Schleigh, DELCORA Representative
There were no visitors' comments.
Mr. Schleigh presented the Committee with issues he believes the Borough needs to address related to DELCORA's charges to the Borough. These issues include whether or not DELCORA is using the correct number of EDU's as its basis of charging the Borough and the inconsistent charging of EDU's between different municipalities. Mr. Bartley, Mr. Totaro and Ms. Lustgarten will be working to gather more information on these issues, assess the financial implications and work with Mr. Scott on any redress as appropriate based on the findings.
The annual Audit has been submitted.
The Audit of the Police Pension and the Non-Uniform Pension Funds have been completed. There were two findings from the Police Pension Fund audit and one finding from the Non-Uniform Pension audit that were carried over from prior years. One finding from the Police Pension audit related to the misallocation of state pension contribution money to the Non-Uniform fund and has already been rectified. The correction will be noted in the final audit report. The Borough Solicitor is working on the second finding concerning language for an Ordinance tracking the state pension requirements. The finding of the Non-Uniform fund related to a 2005 error in reporting the number of employees and the associated payment. This will also be which will be corrected upon receipt of an invoice from the state.
The Borough Manager shared the work he has done on creating a system of objectively evaluating staff positions to ensure equitable compensation. The Committee and Borough Manager will continue to work on this system.
SB777 has passed in the Senate and is in the House. This bill amends the Municipal Claims Tax Lien Act and allows municipalities to charge interest from the date of delinquencies instead of from the date of the lien. Municipalities have been asked to present resolutions in support of this amendment.
The Committee reviewed a request from a resident to waive their trash fee and an abatement of all or some of their taxes. The resident is currently not living in the home that is being rehabbed and, as such, feels she should not be liable for these taxes and fees. The Committee recommends denying this request.
The Committee has asked Mr. Bartley to research the application of a new PennVest Loan. The next application is due on May 20th with the next opportunity to apply on August 18th.
The Committee then adjourned to Executive Session.
The next meeting will be held on Monday, June 2nd at 7:00 p.m.


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Last night we traveled to The Parfitt Gallery to attend the opening of 'The Designers Republic Come Home To Croydon' – a solo exhibition of work by Ian Anderson shown in his childhood home town. The founder of the legendary Sheffield based studio was showing various pieces of work curated from the last 25 years.
The exhibition is largely influenced by Anderson's childhood home in Thornton Heath – 28 Zermatt Road.
Whilst there was some interesting work was on display, I must say it would have been nice to read some information on the thought process behind the work. For a pretty small exhibition there's not a huge amount to engage to viewer and, for me, finding out a bit more about tDR and the concept behind their more significant work would've been a fascinating insight. That said, Ian Anderson has famously never been one for design hero worship and clearly enjoys keeping his process veiled in an aura of mystery and in-jokes. While we weren't really expecting much of an explanation, some background information would've put the work into some kind of context.
If you missed the recent tDR 25th anniversary exhibition at GGG in Tokyo, you'll have to make do with sunny Croydon. The exhibition is showing at The Parfitt Gallery until 1st June 2011. More images can be seen on the CR Blog.
Thanks for reading, if you've seen the exhibition and have any thoughts, feel free to get in touch.


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Good news! The window for December 2018 CFA Program exam Awareness Scholarship applications is now open. Going forward, all applications will now be completed, submitted, reviewed, and awarded online. Paper applications will no longer be available or accepted.
See each Scholarship description (below) for links to the corresponding digital applications.
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Register online here! Winneshiek County Development is hosting a Work Based Learning interactive and networking event at Toppling Goliath Brewery on Wednesday, April 25th from 4:30pm-6:00pm. The event will bring together business professionals and area educators to establish relationships and groundwork for the new Winneshiek County Work Base Learning Group. Key questions for you to think…
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Kids + Family Startups in Los Angeles
List of Kids + Family startups in Los Angeles
66 Companies
Your Super
eCommerce • Food
We are a passionate bunch of open-minded, travel obsessed motivated people who work our asses off to make healthy eating easier and give back while doing so! Our mission is to make the world a healthier and happier place by providing natural, organic and delicious superfood mixes. Are you ready to make an impact for a better world?
5Local Employees
Kids + Family • On-Demand
Within seconds browse your friendly neighborhood walkers who have a lot of experience caring for doggies. Each walker has created a short video to show off their personality! You will also see their reviews by other dog owners so you can get a good sense of how awesome they are.
200Local Employees
West HollywoodLocation
Next 10 Ventures
eCommerce • Kids + Family
Next 10 Ventures is an operating and investment company focused on incubating and accelerating new businesses, content, products and services within the global Creator economy. Our mission is to enrich, inspire, and entertain kids and young adults via the investments and partnerships we establish with Creators who thrive as artists, entrepreneurs,
10Local Employees
Culver CityLocation
Kids + Family • Mobile
As the innovators in youth transportation, HopSkipDrive offers elegant transportation solutions for schools and families. With sophisticated technology including real-time tracking, alerts & monitoring of driving behavior, our technology is purpose-built for transporting kids through our easy-to-use app, or web-based scheduling tool.
55Local Employees
Los AngelesLocation
Kids + Family • Software
FUHU Inc., creators of the Nabi Tablet, Fooz Kids and urDrive, is a leading provider of cloud-served software, applications, and services that are dedicated to creating deep and engaging user experiences on a range of consumer devices. FUHU has developed a portfolio of properties that collectively embody its mission and values: Fooz Kids: An Ado...
250Local Employees
El SegundoLocation
Game Show Network
Gaming • Kids + Family
GSN (Game Show Network) is the leader in game show entertainment across multimedia. GSN presents original and classic game programming and skill-based competitive entertainment and games via its 75-million subscriber television network.
100Local Employees
Santa MonicaLocation
Be A Maker Club
3D Printing • Edtech
Our mission is to bring the latest manufacturing devices and tools to children in a location where they already feel safe and comfortable. We want to develop and sustain children's interest in STEAM by using hi-tech devices and making. We encourage learning through making mistakes, observing others and exploration.
4Local Employees
Ready, Set, Food!
eCommerce • Healthtech
Ready, Set, Food! is on a mission to prevent childhood food allergies to peanut, egg, & milk. We've developed a dietary supplement for infants that reduces the risk of developing food allergies by up to 80%. Our product is based on 3 clinical trials and we already have 120+ pediatricians and allergists recommending us to all of their patients.
7Local Employees
Los AngelesLocation
The Baby Box Co.
Edtech • Healthtech
The Baby Box Co. is about much more than babies and boxes—we improve outcomes for infants and children by supporting parents in a way no other company can. We educate them with video parenting courses vetted by healthcare professionals, and reward their participation with useful products, including high quality Baby Boxes designed for safe sleep.
25Local Employees
Los AngelesLocation
Happiest Baby, Inc.
Kids + Family • Internet of Things
Happiest Baby, Inc. is a mission-driven technology company, developing science-based products and services to improve the health, safety and emotional well-being of children and parents around the world. Our hero product SNOO, a premier IoT device, is the world's first "smart sleeper."
24Local Employees
Santa MonicaLocation
Kudo Learning
Edtech • Kids + Family
Kudo makes fun, easy, effective ways for preschool children to learn a second language on tablet devices at home and at school. Our first-of-its-kind adaptive, interactive platform uses stories, games, and songs to keep kids delighted and engaged. Developed by a Berkeley PhD and language-learning experts, Kudo's unique pedagogical approach is based...
2Local Employees
eCommerce • Kids + Family
Begift is a Los Angeles based tech/e-commerce startup reinventing the baby shower registry by connecting moms to the best experts, services, experiences and products. For the first time moms can discover, buy and register for all the services and experiences that make their lives easier and more memorable. Moms shop Begift for everything from...
2Local Employees
eCommerce • Kids + Family
Lolliswap is an online marketplace for parents to buy and sell kids gear, toys, and clothes from friends of friends. We leverage local groups, Facebook, and reviews to build a trusted community. Members can also cash out for merchant offerings and donate proceeds to support their kid's school.
4Local Employees
Seedling USA, Inc.
Kids + Family
Our Mission is to create beautiful, innovative family lifestyle products. We are passionate about the importance of growing young imaginations and celebrating the parenting journey one moment at a time. As for the future, the sky is the limit as we continue to design groundbreaking products and digital experiences you and your family will love.
30Local Employees
Los AngelesLocation


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Handle US visa curbs with courage, clarity
The big question is whether India's media or govt should accuse the US of "visa terrorism".columns Updated: Jun 15, 2015 14:38 IST
India needs foreign direct investment (FDI) to boost economic growth. At the same time, it has tax laws or tax demands that foreign companies must comply with. But India has been of late accused of "tax terrorism" -- a fashionable term to describe either notices to pay tax or the controversial "retrospective tax" imposed by the previous UPA government that hurt foreign companies such as Vodafone.
Now, look at the United States. Just as India needs FDI for growth, the US needs foreign talent, especially in high-skill areas such as technology.
But, at the same time, Indian information technology companies such as Infosys and Tata Consultancy Services (TCS) are occasionally, if not frequently, accused of violating visa regulations related to work permits, such as the H1-B visa.
Now, the big question: Should India's media or the government accuse the US of "visa terrorism?"
Last week, Tata Consultancy Services (TCS) and Infosys said they were "fully compliant" with US immigration rules as they faced "extra scrutiny" by the US department of labour.
Infosys has also faced a lawsuit by a former employee on the grounds that he had been punished or sidelined for blowing the whistle on visa frauds.
While Indian companies politely affirm that they "cooperate" with US agencies, this is in stark contrast to India, where any tax notice or law is seen as threatening foreign investment.
The fact is that India needs US investments just as US needs Indian talent and it arguably remains the biggest supplier of high- technolo g y talent to the US and President Obama is a big votary of Stem (science, technology, engineering, maths) and his administration has given a big boost to Stem education.
Commerce minister Nirmala Sitharaman and industry association Nasscom need to wake up to the visa issue with a sense of proportion and fearlessness. It cannot be that when India does something, it is called "tax terrorism" while similar moves by the US are responded to with an apologetic attitude.
India should also reserve the right to take up the matter at the World Trade Organisation (WTO), as talent becomes an important force in global trade.
First Published: Jun 15, 2015 14:12 IST


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Manicures Clarksville
Address: 634 West Highway 131 Clarksville, IN 47129
Phone: (812) 941-0202
FAX: Not available
Email: Not available
Website: Not available
Description - Heatwaves Manicures Clarksville
You visited the company web page Heatwaves. The company is located in the state Indiana, the city of Clarksville. The legal address of our company is 634 West Highway 131 Clarksville, IN 47129. For more information, please call (812) 941-0202.


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One Hundred Things to Spot
Regular price £12.99
Naomi Wilkinson
Look for Little Mouse and learn about colours, shapes, numbers and opposites as you go with this fun search-and-find book jam-packed full of activities. Can you find 100 things?
The perfect introduction to learning important concepts, young children will love searching for Little Mouse and the cat (plus more!) on each page of this beautifully stylish book.
- Hardback
- 80 pages
- 200 x 278mm
- Wide-Eyed Editions


text: Our front and backyards looked like they were straight out of the 1980's, rotten deck boards, a discoloured porch, collapsed steps, dead trees, overgrown hedges, flowerless gardens and yellowish grass. After much frustration trying to find a landscaper that would meet our needs, we finally found Eastern Cedar, and were quite impressed with the owner JR Cleroux. JR is always on time, very professional, showed us a great portfolio of past projects and has a respectful attitude that immediately put us at ease. He spoke to us in terms we understood and made us feel comfortable discussing design ideas with him. JR offered options for our landscape redesign that met our needs while helping to raise our curb appeal and increase our property value. His estimate was the lowest we had received, and most importantly his timeline for completion was much shorter than the other landscapers. We decided to sign a contract with him that day, and to my amazement he brought his crew in the very next day to start working on our home. Once the project was all done I really could not have been more pleased because the front and backyards were both done on time and on budget. Since that first landscape redesign with JR, he has created a custom designed stone patio in our backyard, installed a base for our new shed and laid new grass down on my neighbour's front lawn. With every landscape project done by Eastern Cedar a new appreciation for JR's work grows. His knowledge is extensive and no task seems beyond his skill set. Thank you JR for making our home a beautiful, relaxing and comfortable place for us to raise our family. We look forward to our next project with you.


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via blog.see3.net
1. Tell a story.
If you want your audience to identify with your mission, you need a compelling story that connects your work to real people. If a story moves you, it will likely move others as well—and become the foundation for deeper involvement.
2. Be relevant.
People respond to what's going on around them, so try to relate to the news or the calendar as much as possible. You'll also have a better chance at success if you're pitching your video to bloggers or other websites—they're always looking for something current and fresh.
3. Tell them what you want.
You have their attention, now tell your viewers how you want them to engage, whether it's donating money, visiting a website, or volunteering. They won't know to give unless you ask for it.
4. Be brief.
Few people are watching your 7-minute online video—that only works when you have them locked in a room. Try to get everything out in 2 minutes or less.
5. Videos don't raise money by themselves.
Your organization should think of online video as one of many tools to fit into your fundraising program. Adopting video into your organization is critical, but it has to be a means instead of an end.
6. Embed video on your donations page.
The distance between the "play" button and the "donate" button should be short. Also, give your viewer the right web tools. Can the viewer forward the video to a friend, subscribe to your RSS feed, get involved, and sign up for your newsletter right there on the spot? If not, they should.
7. Put video at the center of a campaign.
Video is often best used in the context of a campaign. A campaign can be raising money for a particular village, trying to reach a specific goal, or giving limited to a specific timeframe.
8. Empower your viewers.
Ever heard of peer-to-peer fundraising? Encourage your audience to pass your videos along. Make the embed code easily accessible within your page so your video can reach a broader audience.
9. Create a media library.
Start gathering your footage now—you might have all the ingredients already! Building a media library is a valuable long-term asset for your organization. Have a camera ready for every important event. Ask volunteers to document their work and make it available for future events, trainings, and online use. Using existing footage you get more bang for the buck.
10. Test.
You don't know if something works unless you test it. Send out emails with email and some without, and measure the results. Each nonprofit will have different nuances, and you'll want to know when using video is most effective.
11. Know when not to use video.
Truth is, your strongest donors will likely donate with or without online video. They have been already, right? They don't need any extra convincing. Use online video for attracting new audiences, for driving specific campaigns, for empowering your membership to spread your story or for deepening or expanding existing relationships.
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Different Methods Of Aromatherapy Diffuser
Aromatherapy is also known as oil diffuser that is an effective way to keep surrounding clean. This is simple in use and requires fewer numbers of ingredients. There has numbers of benefits because this is completely natural way and use natural ingredients. If you have less knowledge about the aromatherapy then you need to know basics of it before buying your aroma diffuser. In this article, we will discuss the different methods of aromatherapy. Those all methods have more advantages but some of them have fewer disadvantages. So read this article to the end to learn more and more about the aromatherapy diffuser.
Methods of aromatherapy:
There are various methods and techniques of aromatherapy those have been discussed below:
- Simple tissue diffusion
This method of aromatherapy can be used anywhere and easy to transportable. This is really an ideal technique to use everywhere at home. But this method has the limitation that it does not emit much more molecules into the home.
- Steam diffusion
This is another method of oil diffuser which can quickly diffuse a different kind of oils into the home. This method requires 2 cups of boil water then add up to the required amount of essential oil to the water.
- Lamp ring aroma diffusers
This method of aroma diffuser is not much expensive. The shape of diffuser lamp is just like a ring. This method is required essential oils and appropriate heat to produce fresh molecules. There is one limitation that is the light bulb can be the break.
- Candle diffuser
This method of aromatherapy diffuser is less expensive and the style and shape of the diffuser are unique. It requires lots of care and uses the candle in a big jar. There is the biggest advantage it does not require electricity.