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Becoming financially secure is an important goal for many people today, but some don't realize just how much homeownership can help them achieve that dream. A recent report, The Journey Toward Financial Freedom, surveys Americans about their perspective on financial wellness and their goals. It shows there may be a significant misconception about the role owning a home plays in building wealth:
"Home ownership is one of the indicators Americans say is least connected to financial health."
Two major personal wealth goals – homeownership and net worth – work hand-in-hand. Below are just a few reasons why, if you're looking for financial security, homeownership should be a top priority.
Homeownership Is an Important Cornerstone of Building Wealth
Every three years, the Federal Reserve releases the Survey of Consumer Finances which highlights the difference in wealth between homeowners and renters. The graph below shows the findings across the previous surveys including the latest data (2019), and the results are staggering:As the graph illustrates, the gap between homeowners and renters continues to widen. That's because homeownership contributes massively to an individual's overall net worth. Odeta Kushi, Deputy Chief Economist at First American, highlights this idea:
". . . between 2016 and 2019, housing wealth was the single biggest contributor to the increase in net worth across all income groups . . . ."
When we look even closer at the most recent data from 2019, the average homeowner's net worth is more than 40 times greater than that of the average renter (see graph below):The gap exists in large part because homeowners build equity as their home appreciates in value and they pay off a portion of their mortgage each month. When you own your home, your monthly mortgage payment is, in essence, forced savings that come back to you when you sell your home or refinance. As a renter, you'll never see a return on the money you pay out in rent every month.
If you're ready to start building your net worth, the current real estate market offers several opportunities you should consider. For example, with today's low mortgage rates, your purchasing power may be higher now than it has been in some time. That means there may be no better time than now to start working towards your homeownership goals – especially since rates are anticipated to rise in the coming months.
Bottom Line
Owning a home provides one of the strongest foundations for building individual wealth and lasting financial security. If you're ready to start your path towards homeownership, let's connect today.


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subset: commoncrawl


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Porter C. Thayer Photographs
Collection Overview
This archive contains 1300 photographs made by Porter C. Thayer,scanned from silver gelatin prints, held in the collection of the Brooks Memorial Library. The prints were made in 1980 from the 5x7 glass plates negatives created by Porter Thayer....
Show moreThis archive contains 1300 photographs made by Porter C. Thayer,scanned from silver gelatin prints, held in the collection of the Brooks Memorial Library. The prints were made in 1980 from the 5x7 glass plates negatives created by Porter Thayer. These images are also available on microfilm at the Brattleboro library.
Porter Thayer was born Porter Charlie Thayer on January 6, 1882 on Main Street in Williamsville, Vermont. He grew up in the red house called the Tillotson Place in the Parish section of Newfane, Vermont.
He photographed Windham County, Vermont, beginning in 1906 through around 1920. Like most Vermont men of his generation he was a farmer, specifically an apple orchardist, managing his 50 acre apple orchard on Baker Brook Farm in Newfane. He turned to his apple business after ending his photographic career.
The postcard craze that most likely reached Vermont by about 1905, was perhaps the impetus for Porter Thayer starting up a photographic business. His diaries tell that he sold 1,197 postal cards during a six-month period at the height of his career. The cards were for sale as souvenirs to summer tourists at small general stores, local inns, boarding houses and hotels. Local folks purchased his photographs as well, especially around the Christmas season, to send to distant relatives. A Brattleboro, Vermont directory of 1909 lists Porter as advertising that he would come to anyone's home and make images for a reasonable fee. Around 1911 he recorded that he had 720 customers. Eventually he photographed in all the towns within a 25 mile radius of his home in Newfane.
Porter Thayer perfectly fits the archetype of the town photographer. He traveled the narrow dirt roads in his buggy, behind his faithful mare Lady, who accompanied him daily. He could apparently take extended naps while Lady brought him safely home, as she always knew the way. He used two cameras: a 5 x 7 and a 6.5 x 8.5 view camera and made glass dry-plate negatives. He traveled with stacks of postcards to be delivered at stores along the way to his days work.
Working continually through seasons and years, Porter Thayer left an archive that is a cultural treasure for southeastern Vermont. The quality of his work shows that he was able to combine business needs with aesthetic ones. During the time period Porter worked, Vermont was extremely poor and rural, yet held a close-knit population that shared the labors of life. Farmers helped one another to survive in a subsistence and barter economy. For women, men, and children, life meant constant work. Thayer's images describe the work and the tools involved. His landscape images reveal this working landscape, which today is mostly hidden by trees. The fruits of his labor as a photographer have grown in importance, as both the landscape and culture of Vermont has shifted into modern spheres of living.
Written by Jessica Weitz and Forrest Holzapfel, 2010.
Show less
Lesson Plans
- Title
- Workers in front of Wardsboro Sawmill, Wardsboro, Vt.
- Description
bus., sawmill, group port., transport, horses
- Title
- Young girl with doll inside house
- Description
Could be Maud (Moore) Thayer.
- Title
- Young men in front of a tent in Vermont
- Description
Sign says Camp Trainclan Hermon.


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Baldwin Brings Berkshire-style Talk to Florida
Sherman Baldwin in his new studio in Florida — the state not the town. |
Former "TalkBerkshires" host Sherman Baldwin has found a home in sunny Sarasota, Fla., on WTMY radio.
The longtime radio host made his debut on "TalkSarasota" last week in the 3 to 6 p.m. spot weekdays. Baldwin said he's trying to the do same type of show he did in the Berkshires, focusing on local issues — politics, business and culture — with call-in questions. He said it's the only show of its type in the Sarasota market, the 73rd largest in the nation.
Baldwin hosted shows in Connecticut and Boston; he's best known around here for his morning program on WUPE a few years ago and his independently owned "TalkBerkshires" that premiered in 2009 after the Capital District station he was working at downsized. "TalkBerkshires" was a success on WBRK but died in a blaze of controversy.
The show was a favorite drop-in point for local pols and personalities who protested Baldwin's banishment from WBRK.
In any case, Baldwin toldhe needed to get back on the air and after a spot on Boston radio didn't pan out he landed in Sarasota.
"I get to go to the beach every day, it's beautiful here," he said. But he misses his WBRK studio, going to Teo's and his Berkshire friends. "I miss the Berkshires dearly. I miss it every day." And while he was a brand name up here, it's been harder to land the big the interviews down South. "I was well known in the Berkshires so getting someone on the line was easy, now the say, 'Sherman Baldwin who are you?'" he laughed.
If you know Baldwin, you know he doesn't take no for an answer. Less than two weeks on the air he's already landed Gov. Charlie Crist.
"I'm doing what I love and that's radio," he said.
We're glad to hear he's back on the airwaves and wish him lots of luck.
Find Baldwin's new website (which looks a lot like his old one) here. You can also watch him livestreaming on the WTMY website (which seriously needs an overhaul — it's scary looking).
Tags: Baldwin, radio, TalkBerkshires |
Baldwin Leaving 'TalkBerkshires' & Area
Sherman Baldwin and producer Michael Valenti discussed 'TalkBerkshires' future. |
Sherman Baldwin is cutting ties with "TalkBerkshires" and leaving the area.
The embattled radio host announced his decision Friday afternoon to a handful of media and supporters at Chapters Bookstore on North Street, ending the short-lived radio show in its current form.
"I'm very disappointed. I really am ... but it's not to be," he said. WBRK pulled the plug on "TalkBerkshires" two weeks ago in a controversial move that had some Baldwin supporters crying censorship.
Baldwin, however, is hoping the independent program will be resurrected in some form with his producer of three months, Michael Valenti.
"I know he has the raw talent for it," said Baldwin of his young colleague to whom he's handing over the show. "I'll do everything I can to support him ... I cannot be clear when or where, but I do believe 'TalkBerkshires' will be on the air shortly."
But he said the call-in radio show's success will be more assured "without my personal baggage."
The 50-year-old radio personality went on the air in late May last year, swiftly becoming the go-to host as the local election season heated up. He featured roundtables and pared-down debates and sessions with Mayor James Ruberto and challenger Daniel Bianchi along with the numerous City Council candidates.
'TalkBerkshires' also hosted a debate between the 10 mayoral candidates and put the pressure on Bianchi to appear at the final mayoral debate just days before the election. He was proud of the comments of an older resident who told Baldwin he'd gone to the voting booth the most informed and educated he'd ever been because of listening to the show.
"TalkBerkshires" and its host also became active in local community efforts, such as the Hometown Committee and the search for a llama killer. (Baldwin said checks sent to him toward a reward won't be cashed until someone is caught.)
Valenti and Baldwin remain upbeat on the future. |
For three hours every weekday afternoon, Baldwin has chatted up state and local politicians, lawyers, bankers and local businessmen, among others, growing sizable fan base — and critics.
Baldwin's involvement in the Berkshire Job Summit, a private endeavor in conjunction with major advertiser Allen Harris of Berkshire Money Management, led to public airing of Baldwin's "personal baggage" — his conviction on fraud charges in the late '90s related to finishing filming of the cult-hit "The Crow."
Not that he'd hid the conviction. In fact, he'd been featured in an Albany Times-Union article on ex-cons trying to move on with their lives during his brief stint there on WROW the year before. But the story was mostly unknown in the Berkshires.
The troubles piled on — the job summit generated controversary and stepped on established toes and what Baldwin calls the "Massimiano saga" seems to have been the last straw for station owner Willard "Chris" Hodgkins.
Baldwin had taken a call a month before from James E. Monahan, who is accusing Sheriff Carmen Massimiano of molesting him nearly 30 years; two weeks ago, a related segment on libel claims against The Berkshire Eagle by Massimiano with both local lawyer Rinaldo Del Gallo and Clarence Fanto, former Eagle managing editor and now a freelance writer.
He said Hodgkins not only knew about both two call-ins, he approved them; the next morning, however, he was fired.
Baldwin said he has no hard feelings with the Hodgkins, though he simply said "no comment" when asked if he was pursuing legal recourse. He and Valenti were also mum on where they've been shopping the program.
"It was clear to me that 'TalkBerkshires' had a definite purpose in the community," said Valenti. "It gave an opportunity for a dialogue to exist. I think we made a believer out of a lot of people.
"It would be a shame not to continue the name."
The headlines may have helped Baldwin; he's already talked to two Boston stations.
"I do talk radio. It's really who I am ... at 50, I've learned that when I'm out of talk radio is when I've had more trouble in my life," he said, adding "I was pleased to hear that I have created enough of a name for myself in Massachusetts that it could continue to be my home."
Baldwin had hoped to remain in the Berkshires, where he arrived just a few years ago as a morning DJ on the local Vox stations. But a bigger market might be more suitable, without the "increased sensitivities" of a smaller community.
"I thought I would be here forever. That's not the case but it'll be a part of me forever," said Baldwin.
Tags: Baldwin, TalkBerkshires |
'TalkBerkshires' Stifled
PITTSFIELD, Mass. — WBRK pulled the plug Tuesday on "TalkBerkshires" and its host Sherman Baldwin.
The local talk show has been airing over WBRK 1340-AM every weekday afternoon since last May. But Baldwin, an independent contractor with the station, said station President Willard "Chip" Hodgkins told him at 10:30 this morning that the show was being booted.
The press release can be found here.
Baldwin said the break up was over related coverage of recent allegations of sexual abuse against Sheriff Carmen Massimiano. The sheriff's accuser, James E. Monahan, had briefly called into the show several weeks ago, but Baldwin said the firing was prompted by an appearance by local attorney Rinaldo Del Gallo on Monday talking about libel issues regarding the coverage.
"I'm still shell-shocked," said a subdued Baldwin late Tuesday. He said Hodgkins had offered to bring the show back after a period if he stuck to national news. "It was so clear what this was about."
It wasn't about his past, Baldwin was sure. The radio jock's been in the news for good and bad recently, as his involvement with Berkshire Money Management's Allen Harris in the Berkshire Job Summit last Friday prompted interest in his past troubles with the law.
Baldwin and his producer Michael Valenti are planning to speak to the press at noon at the Crowne Plaza on the talk show's future. Baldwin said he'll also be on "Good Morning Pittsfield" with John Krol on Wednesday morning.
The primary focus of "TalkBerkshires" has been on local issues, particularly those affecting the immediate Pittsfield area where most of this listeners work or live. It's a focus that Baldwin doesn't want to lose.
"I'm not going to give up without a fight," he said.
Update: Baldwin postponed his press conference until Thursday at noon because of Wednesday's snowstorm.
Update Thursday, Feb. 25: The press conference has been canceled on the advice of Baldwin's attorney. "I think this is best for TalkBerkshires," Baldwin wrote in an e-mail that was also posted on the Web site about an hour before the noon presser.
Baldwin wrote that more information will be released in the coming days. Baldwin and Valenti may attempt to Internet stream their program (Baldwin owns the Web site) but those plans are still up in the air.
Tags: TalkBerkshires, Baldwin |
It's All Talk in Pittsfield
Bill Sturgeon |
"Talk Berkshires" on WBRK 1340-AM is expanding its lineup with "Midday Live" hosted by local radio personality and Berkshires native Bill Sturgeon.
"We are excited about Bill coming onboard. He is the epitome of local talk radio and this is really good for WBRK and the community," said Sherman Baldwin, host of "Talk Berkshires," which launched in May and quickly became one of the more active media outlets in the region.
Baldwin says the "immense success" of "Talk Berkshires" made expanding an obvious next step in local talk show format.
Sturgeon's a criminal justice consultant, working with various divisions of the U.S.
Department of Justice for more than 25 years. His areas of expertise include management,
operations, training, security, emergency management, special operations and first-line supervision. He's also been an instructor and expert witness, and has written widely on security, terrorism, correctional
management, and emergency management. He is co-author of "No Time To Play: Youthful Offenders in Adult Corrections" and "Recess is Over: Managing Youthful Offenders In Adult Systems."
He's been hosting an open mike show on Mondays and Tuesdays on WBRK over the past year. Now he'll be heard five days a week from 10 to 1.
The addition of another block of three-hour local talk ("Talk Berkshires" runs from 3 to 6 p.m.) points to the committment of Baldwin and WBRK President Chip Hodgkins for local news coverage at a time when many stations are turning to canned music or nationally syndicated talk shows.
"We're bucking the trend by adding more local talk. It is an investment into our radio station and
the community," said Hodgkins.
Sturgeon also writes a blog at corrections.com.
Tags: Sturgeon, Baldwin, radio, Pittsfield |


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People with large assets have unique risks. High net worth insurance is a customized policy type that protects clients from these risks—from home insurance to travel insurance and much more.
Protect your wealth with the right policy in place.
Despite the name, high net worth insurance isn't simply a variation on ordinary personal insurance with higher coverage limits and higher premiums. Instead, it's about recognizing that people with large assets have unique needs.
Combines coverages based on your needs.
One way high net worth insurance responds to this challenge is by bringing multiple areas of coverage and expertise together into a comprehensive insurance solution based on your individual needs. This usually includes coverage for your home(s), vehicles, travel, and even life insurance. The solution is custom-designed for your particular lifestyle, assets, and risks rather than simply combining "off-the-shelf" policy terms and conditions.
Click it. Read it. Cover it.
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Whether entering from outside your home from a flood or from within your home's plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.
Obtain a personal floater or schedule your valuable possessions to ensure you'll have the money to replace them.
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
With more smart technology in homes and technology at your fingertips, malware, hackers, and other cyber threats can jeopardize your security, finances, and reputation.
Identity theft, personal injury, and cyber risk coverage may be available as an important add-on coverage to your homeowners policy.
There are risks associated with employing domestic staff in your home. Employees can become injured on the job, leaving you to pay out-of-pocket for their medical expenses. Additionally, staff can sue for wrongful termination, privacy issues, discrimination, and harassment claims.
Be sure to obtain coverage for medical expenses when your staff are hurt while on the job. Additionally, employment practices liability insurance can protect you from high legal costs associated with lawsuits and additional claims from current and past employees.
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt. As a result, you could incur additional living expenses for lodging, food, and other daily needs.
Look for coverage that provides higher limits to ensure that your schedule and your standard of living is not compromised. Additional living expense coverage compensates you for the costs incurred for housing and other living expenses if a covered event makes your home temporarily uninhabitable while it's being repaired or rebuilt.
You invite guests over for a pool party and one of them dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries.
An excess liability (or umbrella policy) increases your personal liability limits by adding protection over and above your current auto, boat or homeowners policies. Excess liability insurance is available as separate coverage and offers additional peace-of-mind knowing that you have the protection you need.
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing an excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flooding. Could your home be at risk?
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program (NFIP). In the U.S., a flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write-your-own carrier. Additionally, you may be able to purchase excess limits on your homeowners policy to better protect your home.
Owning a secondary home or rental property has the potential of increasing your liability exposures.
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability policy to provide for additional liability limits.
Traveling is exciting, but there are risks associated with every trip. Whether for work or pleasure, reducing stress always improves the travel experience. If you travel to another country, the insurance policies you have may not be applicable. Other things to consider are costs associated with crime, injury, or death while traveling.
Various types of travel insurance are available that may offer protection in case of lost baggage, trip cancellation or delays, or trip interruption. You may also want to consider policies that cover accidental death and dismemberment, as well as the repatriation of remains.
While your homeowners policy covers a wide array of perils, such as damage caused by a fire or a falling tree, it doesn't cover some common types of problems that can occur to the equipment in or around your home. For example, a sudden surge from the local power plant might damage appliances, HVAC systems, or your home power generator.
Add mechanical breakdown coverage to your homeowners policy. If you have multiple homes, it can be purchased for each one individually. Keep in mind that while it does protect against major events, it does not cover normal wear and tear.
Planning a wedding, bar mitzvah, bat mitzvah, family reunion, or other private event is stressful enough. The last thing you should worry about is severe weather that could cause you to postpone the event. Or, what happens is a vendor goes out of business or declares bankruptcy before your event and you lose your deposit?
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Insurance companies often limit coverage to remediate mold that arises from a covered loss.
With many homeowners unaware of this risk or the limits of their own coverage, be sure to discuss the coverage options and loss prevention solutions to help reduce this risk.
Real world example of how high net worth insurance works.
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Notice: This Wiki is now read only and edits are no longer possible. Please see: https://gitlab.eclipse.org/eclipsefdn/helpdesk/-/wikis/Wiki-shutdown-plan for the plan.
WTP Smoke Test Results R382 10272016
Smoke Test Promotion votes
Use a red X (fail) icon () to signify that the build should not be promoted, that a respin is required. In that case, please provide bug number and be sure those that need to fix something are aware of it, and can arrange for a respin. Once the issue has been fixed, and confirmed, change the red X to a green check mark with the build Id where is was verified, so those doing the promotion know its ready to go.
If a smoke test does not pass but the build can still be promoted, use a green check mark (ok) icon () but then document in the comments bug numbers, how the smoke test fails, workarounds, or cautions about the build.
If a build can be promoted and no issues were found, simple use the green check mark and include the initials or names of who performed the test.
Remember the significant column for promoting a build is the left-most project column. If some component within a project has not (or can not) be tested, the Project Lead should either make sure someone does the test, or make a judgment call on if the build (from their project's point of view) can be promoted or not. If the smoke test could not be performed, a note should be made in the comments section that it wasn't performed, why, and why that should prevent promotion.
Keep in mind the threshold for promoting a build gets higher as we near a milestone or near a release.
Project | Vote | Initials Comments
Java EE | DG | |
Dali | njh | |
Server | SH | |
Web Services, WSDL | File:Image:Checkmark.gifWeb Services TE
File:Image:Checkmark.gifWSDL TE | |
Node.js tools (bower, npm, grunt, gulp) |
JSDT (vr) | |
Source Editing | XML + JSP (vr) | |
Release Engineering |
Smoke Test ok to promote vote = Smoke Test do not promote vote = Smoke Test Pending =


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0706-24 99 95
0706-24 99 95
Media prices are falling, so advertising becomes more profitable. The combination of low prices on media and weak competition gives companies the opportunity to cheaply grab market share.
Then came truly frightening times for marketing managers. How to respond? What is the optimal strategy? There are several rules of survival in the times of crisis.
Do not panic. Most marketers assume that during the crisis consumers have sharply cut their spendings. In fact, consumer spendings rarely really fall, they simply grow more slowly, not at the pace of inflation.
Cut the correct costs. To the right are the administrative costs and even reduction of volumes of manufacture. It is impossible to start saving on quality of a product or its promotion.
Reduce of advertising costs inevitably will reduce your income. This is the easiest and fastest way to cut costs, but the reckoning is inevitable. Studies have shown that firms that reduce advertising costs during a recession typically experience 20-30% decline in sales and earnings over the next two years.
Reduce of advertising costs inflicts long-term harm. By results of researches, advertising has a lasting effect on sales: it becomes obvious in up to five years after the campaign. Cutting advertising budgets is hurting business for the long term. PIMS analysis shows that companies that shorten the ads need much more time to exit the crisis than all the rest (when the economic situation begins to improve).


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2012 Summer Olympics Recap: Day 12 — Allyson Felix Wins Gold as US Track Team Nabs 7 Medals
Led by seven medals from its track athletes, the United States ran past China into the lead in the overall medal count at the 2012 Summer Olympics in London on Wednesday. Here's a recap of the day's highlights:
After finishing second in the race in both the 2004 and 2008 Olympics, US sprinter Allyson Felix won the women's 200-meters, running ahead of Shelly-Ann Fraser-Pryce of Jamaica and teammate Carmelita Jeter, who won bronze. Jeter became the first American woman to medal in the 100- and 200-meters in the same Olympics since Florence Griffith-Joyner in 1988.
The US women also captured two medals in the long jump, as Brittney Reese won the gold and Janay Deloach took the bronze. Russian jumper Elena Sokolova earned the silver medal. American hurdler Lashinda Demus won the silver medal in the women's 400-meters, bested only by Natalya Antyukh of Russia. Czechoslovakia's Zuzana Hejnova captured the bronze.
In the men's track events, American Aries Meritt edged teammate Jason Richardson for the gold in the 110-meter hurdles, while US decathlete Ashton Eaton broke the Olympic decathlon record in the 100-meters by running it in 10.35 seconds. The segment victory gave Eaton the early lead in the 10-event competition.
In women's beach volleyball, the all-US final went to Misty May-Treanor and Kerri Walsh Jennings, who defeated fellow Americans Jennifer Kessy and April Ross, 21-16; 21-18, to win their third straight gold medal. Elsewhere, Clarissa Kyoko Mei Ling Chun won a bronze medal in the 48 kg weight class of women's freestyle wrestling.
In other results, Kobe Bryant scored 20 points, and LeBron James had the first Olympic triple-double by an American player, to lead the US men's basketball team to a 119-86 win over Australia. The Americans advanced to the semifinals where they will face Argentina, an 82-77 winner over Brazil. Russia will play Spain in the other men's basketball semifinal after each advanced on Wednesday.
The defending Olympic champion US men's volleyball team lost to Italy in straight sets on Wednesday, eliminating themselves from medal contention. Italy will face Brazil in one of Friday's semifinals, while Bulgaria takes on Russia in the other match.
American flyweight boxer Marlen Esparza won a bronze medal on Wednesday in the first Olympic women's boxing tournament, while US middleweight Claressa Shields defeated Kazakhstan's Marina Volnova, 29-15, to guarantee herself at least a medal. Shields will fight Nadezda Torlopova of Russia on Thursday for the championship.
Overall Medal Leader Board
United States — 81 medals
34 Gold, 22 Silver, 25 Bronze
China — 77 medals
36 Gold, 22 Silver, 19 Bronze
Russia — 52 medals
11 Gold, 19 Silver, 22 Bronze
Great Britain — 48 medals
22 Gold, 13 Silver, 13 Bronze
Germany — 32 medals
7 Gold, 15 Silver, 10 Bronze


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Firefighters were able to double containment of the huge Powerhouse wildfire north of Los Angeles to 40 percent Monday, as cooler weather helped them against the blaze that has scorched more than 45 square miles. No deaths have been reported as a result of the fire, which caused some 1,000 homes to be evacuated.
Update at 9 p.m. ET. Some Evacuations Lifted; Name Explained:
"The Los Angeles County Sheriff's Department has lifted evacuation orders for some communities affected by the Powerhouse Fire near Santa Clarita," reports member station KPCC. "Folks who live in the Lake Hughes and Lake Elizabeth neighborhoods can return home. Antelope Acres remains under evacuation."
The fire's name has led to questions about its origin, on our story and elsewhere. The fire is named for where it first started Thursday, "near a hydroelectric plant located close to the L.A. Aqueduct and known as Powerhouse No. 1," as ABC 10 News reports.
Our original post continues:
"Things are looking better," the U.S. Forest Service's Matt Corelli tells NBC 4 Los Angeles. "Last night was our best opportunity to make some headway on the fire. A cool mass of air came in that gave us an upper hand. The fuel the fire is burning into now is a lot less dense than it was up on the hill."
Officials now say they might have total control of the fire within seven days, a stark turnaround from a weekend that brought hot and windy weather that helped it spread quickly in areas that supplied plenty of fuel, in the form of dry chaparral brush plants — some of which hadn't been burned in decades, KPCC reports.
"The cause of the fire was under investigation," KPCC says. "Three firefighters had minor injuries, but no one else was hurt."
Campgrounds and rural communities remain under evacuation orders Monday, with the Red Cross setting up an aid center in Palmdale, Calif., NBC 4 reports. More than 2,000 firefighters have reportedly been involved in efforts to counter the blaze.
In addition to the evacuation orders, residents are coping with a lack of information about damage from the fire, reports KPCC's Mary Plummer. At a convenience store, the cashier told Plummer on Monday that she'd been told the shop burned to the ground Sunday.
As of Monday, the fire had been blamed for destroying at least six houses and damaging 15 more, KPCC reports.
"People are just frustrated because they can't get to their homes, and there are several people that have livestock in the area that they want to feed," California Highway Patrol Officer Peter Bishop tells Plummer. "I'm a homeowner myself, and if I wasn't allowed to enter my house at all for a period of time and not know the state of my house for a period of time, it's a very stressful situation."
Fire crews are also busy in New Mexico, where the Tres Lagunas fire has grown to nearly 8,000 acres, according to KRQE TV. That fire is only 5 percent contained, officials say.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Updates for the S&T community
Posted by Velvet Hasner on August 20, 2018
Mental health is a key part of your overall health. Brief screenings are the quickest way to determine if you or someone you care about should connect with a mental health professional – they are a checkup from your neck up.
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© 2024 - Curators of the University of Missouri | UM System | Privacy Policy | WordPress Missouri S&T is an equal opportunity/access/affirmative action/pro-disabled and veteran employer and does not discriminate on the basis of sex in our education programs or activities, pursuant to Title IX and 34 CFR Part 106. For more information, see S&T's Nondiscrimination Policy or Equity and Title IX.


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The following describes the Social Media Disclosure for our https://www.georgelovesweather.com website.
Social Media Issue
We live in an interesting time when privacy rights are championed alongside an unprecedented voluntary willingness of people to share their most intimate and superfluous life details with the world, even in places such as our George Loves Weather website. While apparently benign on the surface, the dangers of unrestrained public disclosure of sensitive information is beginning to surface.
Key social media players are being sued for unauthorized or abusive use/misuse of personal information. Failure to protect and warn are likely going to be focal factors. Lawsuits are filed seeking damages for statements held to be responsible for people's death or suicide. Bloggers presuming to operate under an unfettered freedom of speech or greater latitude offered to members of the press are losing civil cases for defamation, slander, libel, and so on.
As social media rapidly advances to allow more technologically sophisticated and easy dissemination, the simultaneous fallout of revelation without boundaries is mounting. Thus, a sober approach to the benefits of social media, while sidestepping the perils of imprudent disclosure, can facilitate an enjoyable online experience, without the consequences of excess, in settings such as our own https://www.georgelovesweather.com website.
Presence/Scope of Social Media
You should assume that social media is in use on our George Loves Weather website. A simple click of a button to endorse a person, product, or service is building a cumulative profile about you, which you should always assume can be discovered by others. Attempting to share a website with someone, whether by direct press of a button or else by email forwarding facilitated on a website, you should assume that this may not stop with the intended recipient, and that this can generate information about you that could be seen by a veritable infinite number of people. Such a domino effect could initiate right here on our https://www.georgelovesweather.com website.
Something as simple as a blog comment provides the opportunity for knee-jerk reactions that can become public and may not truly represent a position (at least in strength or severity) that you might hold after a period of more reasoned contemplation. You should also note that the ease of accessing one site through the login credentials of another, or the use of a global login for access to multiple sites can accumulate a dossier on you and your online behavior that may reveal more information to unintended parties than you might realize or want. Any or all of these features could exist on our George Loves Weather website at one time or another.
These few examples illustrate some possible ways that social media can exist, though it is not an exhaustive list and new technologies will render this list outdated quickly. The objective is to realize the reach of social media, its widespread presence on websites in various forms (including this website), and develop a responsible approach to using it.
Protecting Others
You should recognize the fact that divulgences made in and on social media platforms on this website and others are rarely constrained just to you. Disclosures are commonly made about group matters that necessarily affect and impact other people. Other disclosures are expressly about third parties, sometimes with little discretion. What can appear funny in one moment can be tragic in the next. And a subtle "public" retaliation can have lifetime repercussions.
Ideal use of social media on our website would confine your disclosures primarily to matters pertaining to you, not others. If in doubt, it's best to err on the side of non-disclosure. It's doubtful the disclosure is so meaningful that it cannot be offset by the precaution of acting to protect the best interests of someone who is involuntarily being exposed by your decision to disclose something on our https://www.georgelovesweather.com website (or another).
Protecting Yourself
You should likewise pause to consider the long-term effects of a split-second decision to publicly share private information about yourself on our George Loves Weather website. Opinions, likes, dislikes, preferences, and otherwise can change. Openly divulging perspectives that you hold today, may conflict with your developing views into the futures. Yet, the "new you" will always stand juxtaposed against the prior declarations you made that are now concretized as part of your public profile. While the contents of your breakfast may hold little long-term impact, other data likewise readily shared can have consequences that could conceivably impact your ability to obtain certain employment or hinder other life experiences and ambitions.
As with sharing information about other people, extreme caution should be used before revealing information about yourself. If in doubt, it's likely best not to do it. The short term gain, if any, could readily be outweighed by later consequences. Finally, you should note that we are not responsible for removing content once shared, and we may not be able to do so.
Restrictions on Use of Social Media Data
You, as a visitor to our https://www.georgelovesweather.com website, are not permitted to "mine" social media or other platforms contained herein for personal information related to others. Even where people have publicly displayed data, you should not construe that as though you have the liberty to capture, reproduce, or reuse that information. Any use of social media or related platforms on our website are for interactive use only, relevant only during the website visit.
Accuracy of Social Media Data
As any social media platform is built on user-generated content, you should consider this fact in seeking to determine the authenticity of anything you read. We are not responsible for verifying any user-generated content for accuracy. A best practices policy would be to view all such content as strictly opinion, not fact.
Potential Issues of Liability
You should also be mindful of the fact that your words could trigger liability for harm caused to others. While you have the right to free speech, you do not have the right to damage other people. Under basic principles of tort law, you are always responsible, personally, for situations where either:
1. you were required to act, but did not (i.e. – some "duty of care")
2. your were required to refrain from acting, but did not (i.e. – slander, defamation, etc.)
These "sins of omission and commission" could cause problems for you, irrespective of whether you assert you are conducting business under the guise of one or more business entities. Illegal and unethical conduct, when done in the name of a corporation or LLC, is still illegal and unethical conduct. As it is rarely part of a business plan to engage in illegal and unethical conduct, you are doubtfully operating in any official capacity, but rather, perhaps, leveraging that capacity to effectuate personal wrongdoing. You should consult a licensed attorney if you wish legal advice as to the (potential) ramification of your situation or legal problems stemming from this website or another.
CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated, and carried out by George Loves Weather, in order to protect you and our https://www.georgelovesweather.com website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.
COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at George Loves Weather have paid to license the use of these legal notices and administrative pages on https://www.georgelovesweather.com for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by using our Contact information.


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Vintage Firefighter And His Sweet Canvas Vintage Firefighter Canvas Mold Remover Small Empty Canvas For Painting
Collections: New Arrivals, CANVAS PRINTS
The premium canvas, framed matte canvas, or framed art print is a great way for you to accent your space. Whether in black and white or full color, they offer excellent image clarity and print detail. This beautiful wall art can elevate any space with a professional look and finish.
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low indoor chemical emissionsMuseum Quality Float Frame
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Make worldwide travel arrangements with LX LIMO and receive the commission you are entitled to.
If this is the first time you are booking with LX LIMO, you must register your agency with us. Just complete the Travel Agency Registration Form (PDF 87 KB), and fax it along with the following information to 1 (877) 266 2885.
Once your agency is registered, you can make arrangements by contacting our Travel Agent specialists at 1.877.546.6414. Alternatively you can go to the Online Reservation Center and make arrangements on-line.
LX LIMO is pleased to accept registrations of IATA, CLIA and TRUE TIDS numbers for Travel Agency Identification.
Our fleet features only the highest quality, late-model luxury vehicles - including sedans, limousines, SUVs, mini-buses, vans, motor coaches and Mercedes-Benz.
LX LIMO offers your clients the finest on-the-go amenities and leading edge technology for business travel productivity. LX LIMO accommodates all your clients' special requests, from choice of newspaper to preferred beverages. No detail is too small.
Our chauffeurs are courteous, consummate professionals who set the industry standard for impeccable service and can also provide "mobile concierge" services. Your clients' comfort, safety and security are guaranteed.
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After covering East Africa for five months, a profound problem I encountered in every country was what will happen to the continent's exploding cities.
The U.N. predicts that by 2040, six in 10 Africans will live in cities — an estimated 1 billion people. One of the pressing questions for African leaders is how to occupy all the idle young men who turn to crime because there are no jobs.
In Nairobi's Huruma slum, I came across a point of light — one man's attempt to take in thieves and prostitutes and give them honest work, of all things, making jewelry.
John Mucheru is himself a product of Huruma. As a skilled teenaged mugger, he was headed to an early grave when his artistic talent was spotted and he was offered a job designing jewelry.
That eventually led to Zakale Creations, where the 41-year-old Mucheru today employs 30 young people who would otherwise be contributing to Nairobi's crime rate.
They work in a ramshackle workshop at the end of a compound bordered by gritty tenements hung with laundry and scavenged by chickens. The young people sit at long tables all day listening to a radio and turning recycled items into art: bottle tops, copper wire, cords from tires, soda straws, aluminum pots, seeds, bones and buttons. They make toy animals, bead necklaces and earrings.
"We are also recycling people," Mucheru says. "Hookers and robbers gain a new life they never expected."
Milton Obote began thieving when he was orphaned at 9. He stole dictionaries and Bibles from his primary school. He graduated to holdups. With handmade toy pistols called mbonos — "at night they look real," he remembers — Obote and his gang would board public buses and rob passengers of watches, money and mobile phones.
When he wasn't stealing, Obote played soccer in a youth league run by Mucheru. One day the older man urged him to make jewelry. Now Obote is a production manager at Zakale, which means "to use again."
"There are no jobs for young people in Nairobi. That's why they turn to crime," he says. "Most of them come from my situation — they were gangsters and drug addicts."
Of the 10 young men Obote started with at Zakale Creations, eight are dead — most shot by police. Even today, some of the young employees are frustrated with the pay of $18 a week.
"Some of them don't like sitting and working here, so they go back to the streets," Obote says. "They die and they're buried."
Ruth Ngendo, a pretty 21-year-old with heavy-lidded eyes, says in the Huruma slum it is not uncommon for girls to turn to prostitution as young as 13 — as she did.
"You sell yourself, buy some food for your family," she says without emotion. "The girls get pregnant and abort. You find dead fetuses in paper bags in the street."
"This job keeps me away from stealing, from being idle," Ngendo continues. "I get up in the morning, I prepare myself, I come here. I'm not corrupted. I can put a plate on my family's table. And I enjoy beadwork."
Zakale Creations survives on the slimmest of margins. The work that keeps these young people off the streets of Nairobi depends on orders from overseas.
The Christian humanitarian organization World Vision sells Mucheru's jewelry under the Heavenly Treasures brand in its Christmas catalog. Making jewelry is not necessarily an answer to the larger problem of unemployed youth in Africa's sprawling urban slums, but it is, at the moment, a lifeline for 30 Nairobi youths with few options.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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