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Oushak rugs are also extremely desirable because of their colors – which are usually much lighter and "happier" in feel than rugs from other regions.
Oushak rugs are also extremely desirable because of their colors – which are usually much lighter and "happier" in feel than rugs from other regions.
Rugs & More provides the West Coast with the most comprehensive collection of new, antique, & oriental rugs. For three generations, Rugs & More became the most trusted and reliable source for rugs and home decor. Voted best rug store of Santa Barbara for 25 years!
Any type of area Rugs, Antique Rugs, Vintage Rugs, Modern Rugs, Traditional Rugs, Transitional Rug, Contemporary Rugs, Tapestry Rugs, Shag Rugs, Woven Rugs, Flat Rugs, Hand Braided, Hand Woven, Hand Hooked – we offer them all! We help you to roll out the decorating groundwork in each room with one or more of our rugs! Our rugs are only of the highest quality.
Shapes: we carry all shapes and sizes. Round, Square, Rectangular, Oval, and Custom Sizes. We offer the following Services at Rugs and More: Stain Removal; Rug Washing; Rug Repair and Restoration; Surging; Binding; Re-sizing; Rug Appraisals; and Rug Installation.
Materials: we have silk, cotton, wool, blended, synthetic, outdoor, leather, and fur rugs!
Colors: we can customize the rug to the colors you need to make your home the style and comfort that you are looking for with your home decor.
We have rug mats that we can size for under any rug, which extend the life of your rugs.
Rugs & more/ Santa Barbara Design Center
Rugs and More Oriental and Persian rug. Santa Barbara Design Center
410 Olive Street. Santa Barbara, CA. 93101
(805) 962-2166
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Friendly Logo Templates
Get a unique logo customized for your company. Completely built from scratch.
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Customers our work
"I didn't really know exactly what I had been looking for in a logo but provided a few lines about how I wanted it to look. Agni at Bobcares was very quick to provide different examples of how he could bring my logo to life. His work was fast, dependable, and creative. I would definitely recommend Bobcares to others."
"Bobcares was very professional and listened to all my requests. I sent them a few samples of the type of logos I like, and he took that as an inspiration and designed a beautiful Logo for our concert series. Very happy with the outcome!"
"Agni and his team are absolutely amazing! This is my third job with him, and I have another one going now. I've never been happier with my experiences on Outsourcing. Goes above and beyond the call of duty. Very honest, and goes well beyond the extra mile!
Keep up the great work!!!"
"Bobcares is always doing an amazing job and I would highly recommend them to anyone looking for quality work. I have used him multiple times and am always extremely happy with the results."

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It's a captivating story: A global rice-growing revolution that started with a Jesuit priest in Madagascar, far from any recognized center of agricultural innovation. Every so often, it surfaces in the popular media — most recently in The Guardian, which earlier this year described farmers in one corner of India hauling in gigantic rice harvests without resorting to pesticides or genetic modification.
Their secret? A "system of rice intensification," or SRI, that the priest, Henri de Laulanié, who was French, developed 30 years ago. It's now promoted by an international network of SRI evangelists, with a center at Cornell University. Among the secrets of SRI: transplanting rice seedlings into fields with great care, planting them far apart, and enriching the soil with compost. The result, according to SRI's proponents, is an increase of 50 to 100 percent in yields, using 90 percent fewer seed and half as much water for irrigation.
But there's a mystery surrounding SRI, as Christopher Barrett, an economist at Cornell University, discovered. "If this is all it's cracked up to be, why isn't everybody doing it?" says Barrett. And even some farmers who try it, abandon it — 15 to 40 percent of farmers, in some communities, studies show.
Barrett joined forces with Kazushi Takahashi from the Japan External Trade Organization, and took a closer look at a community of farmers in Indonesia, some of whom were using SRI. Their findings, recently released as a "working paper," may help explain the mystery. (There's also a Power Point presentation with photos.)
First of all, Barrett and Takahashi found that SRI did, in fact, boost the farmers' yields of rice by an estimated 64 percent. But here's the bad news: Even though the farmers were harvesting more rice and spending less on seeds and chemicals, their household income did not go up at all.
This apparent contradiction actually has a pretty simple explanation, Barrett says. Farming families in Indonesia — in fact, in much of the world — don't just work on the farm. When they have time, they also find work elsewhere to earn more money.
But SRI demands more time for all that careful transplanting and soil improvement. And as a result, family members have less time for outside work, and that lost off-farm income cancels out any gain from the rice harvest. (Interestingly, although SRI reduced outside work, it did not appear to reduce the rate of school attendance among children.)
Norman Uphoff, a professor of government at Cornell who has been SRI's most important advocate, says that what Barrett and Takahashi saw in Indonesia isn't typical of other places. "If you go to China or India, you'll find that farmers are saving labor with SRI, not using more labor," he says, because farmers in those countries already are spending a lot of time in their rice fields. In addition, he says, farmers who stick with SRI soon find ways to do the work more quickly. "It's not intrinsically labor-intensive; it's initially labor-intensive," he says.
Barrett agrees that his Indonesian observations don't prove that the same thing is happening everywhere. But they do represent "a cautionary tale" about the ambiguous effects of agricultural innovation.
Agricultural scientists tend to focus on ways to make fields more productive. But according to Barrett, when it comes to improving the lives of rural people, high yields really are only one part of the picture.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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5 Ideas for Back-to-School Photos Your Family Will Love
Aside from the emotions and stress of a new routine (and potentially new schools), a hallmark joy of the first days of school is scrolling through Facebook and other social media feeds to see all the moms' first-day photos, many complete with pre-fab signs.
I get a kick out of the parody photos and relieved moms, but that's another blog post. Literally, this one. Or this video:
If you're looking to do something a little more fun in real life, here are some ideas to get you started on the back-to-school photos:
1) Don't hide the real emotion. Not everyone is happy. Go ahead and document interaction between siblings or sad feelings. Not everyone's smiling now, but it will be an authentic memory to share down the road.
If the first day of preschool didn't start strong, maybe next year's photo will be better.
2) Avoid the chalkboard. Instead of using a chalkboard detailing the grade, teacher, etc., why not have your child pose with his or her favorite book (a suggestion from PopSugar)? Or best friend? Or at one of his or her favorite places, such as a local park or local store?
3) If you can't avoid the chalkboard, at least plan ahead. You could coordinate with the last day of school with this option from Etsy. Or this one.
4) Go full-on photo booth. Amazon has some fun, inexpensive photo booth kits, such as this one and this one.
5) Or pull out all the stops with a backdrop, such as this school bus. Or a unicorn one. Or a book case.


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As an Agent of New York Life, I have exclusive access to the Advanced Planning Group - a premier planning team at New York Life Insurance Company with experience in law, accounting, insurance and business planning. My access to these resources allows me to bring experience, value and insight to assist you with your business and estate planning needs.
To learn more about the services I can offer you through my exclusive access to this resource, please visit the Advanced Planning Group web site.
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Wild Zora Paleo Meals to Go
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Personalized Azawakh Book For Azawakh Lovers
Personalized Azawakh Books For Azawakh Lovers
We Create Customized Azawakh Books For Your Family And Your Pet.
Create Customized Gifts
Are you a Azawakh lover or maybe have one in your life? If so, then this gift is for you!
Our customized azawakh books allow you to create a unique and meaningful gift that family members will cherish for years to come. Create charming books that feature your pet in a memorable story.
Reach out to our team to start creating customized books starring your azawakh today.
- Number of Pages: 32
- Book Type: Hardcover or Softcover
- Number of Pets: Up to 3 pets in one story, any combination of dogs and cats together
- Number of Owners: Up to 3 owners in one story
- Breeds: Choose from over 500 breed designs
- Custom Breed Designs: Upload a photo of your pet for a custom design by one of our artists. Additional photos can also be emailed to firstname.lastname@example.com with your order number
- Dedication Message: You can add a custom dedication message
- Dedication Photo: You can add a dedication photo
- Shipping Locations: We deliver to all countries globally
- Delivery Time: 2 - 3 weeks
High-Quality Azawakh Books
When you create a personalized gift, you deserve to know that you're receiving a high-quality product. After all, you're paying for something customized and unique and you deserve to see your vision come to life in a quality item.
With personalized azawakh books from our team, we'll carefully create quality printed books that feature your azawakh in a fantastic story.
Enjoy gorgeous, high-quality colors and careful print jobs that elevate your book and give you a product you'll love. Plus, we edit all books for typos and grammatical errors to make sure you're receiving the best azawakh book you can imagine.
Books For Every Special Someone
Whether you're writing a personalized azawakh book for a new nephew, creating a customized book for your friend, or need a personalized pet book to celebrate your child's birthday, we've got you covered.
Our team offers creative, dynamic, and customizable books that allow you to celebrate the special people in your lives.
You can choose from a variety of different styles, including:
- Azawakh books for children
- Azawakh books for babies
- Azawakh books for friends
- Azawakh books for mother's and father's
No matter what style book you want to create, we'll help you to customize it so that it truly celebrates the special people and creatures in your life.
How It Works
Are you ready to get started designing your book? Our team is here to guide you through the process. Simply take advantage of our simple five-step design process and build the azawakh book of your dreams!
Step 1: Design Your Characters
Start creating your book by designing your characters. You can customize the animals in the book so that they look just like the pets you love most by choosing from our designs for each breed or you can upload a photo and we will make a custom design of your dog or cat. No matter what type of animals are going to be featured in your story, we'll help you to create a customized look that makes sense for you. You can include up to three pets in one story, in any combination of dogs or cats.
Your characters will automatically appear throughout the text with beautiful illustrations that help tell your story and highlight the events that take place.
Step 2: Personalize Your Pages
Now that you've made your characters and designed a cover, it's time to arrange your story! Fill the pages with the owner's names and pet's name. You can also add details like your pet's gender and the hometown you live in, as well as adding a dedication message and a dedication photo inside. Remind yourself of sweet moments shared with your azawakh.
Create a gift that your friends or family members will cherish for years to come.
Step 3: Print Your Book
After you've finished stylizing, designing, and writing your story it's time to get it printed! Our team will take care of the printing process, creating your story on high-quality pages with beautiful images and text. We'll create a crisp, clean print job that looks professional and creates a high-quality azawakh book.
Step 4: Ship Your Gift
Once your book is printed and ready to go, you let us know where you'd like us to ship it to and we'll make sure it gets there! Our team will send out your gift anywhere on the globe to the address of your choice, making sure that it arrives at its destination as quickly as possible.
We're Your First Choice For Personalized Azawakh Books
Our team has designed and developed thousands of personalized books. We make books for babies and children as well as pets, giving you a personalized creation that helps you remember the babies and animals you love so much. Create a customized gift that you and your loved ones will cherish for years to come.
Plus, we offer a beautiful narrative that weaves a unique story and helps you remember the special moments in life with your favorite people and pets. Design stories centered around your azawakh and baby or around your niece or nephew and their azawakh.
No matter what you're looking for, we'll make sure we help you create a personalized gift that you'll love. Get started designing a book that celebrates not only your azawakh but also celebrates the exciting stories and moments you've had.
How Much Does It Cost To Create Customized Azawakh Books?
Creating a beautiful, personalized book doesn't need to break the bank. Our expert team helps you to design, print, and ship a book that you'll love, all at an affordable price! Simply reach out to our team and we'll walk you through pricing and explain any additional costs for extra images or pages.
Our Personalization Promise
We know how important your personalized gifts are, and that's why we offer a 100% satisfaction guarantee on every item. If you don't love your new azawakh book, let us know and we'll make it right! We believe in ensuring everyone is able to create the azawakh books they have in mind. You deserve to have a keepsake that you'll truly love and cherish for years to come, which is why we pride ourselves on offering a beautiful book with unique touches.
Create Your Personalized Azawakh Book
Our team loves helping you design customized azawakh books that you and your loved ones will treasure for years. Our books are perfect for the azawakh lover in your life!
Contact us now to get started crafting the perfect azawakh gift today.
Who is the book designed for?
This book is designed for pet lovers of all ages and is also frequently bought as a special keepsake!
What format is the book?
The book is 8 inches wide by 10 inches tall. It is digitally printed on high quality, thick paper. The book is available in softcover or hardcover versions and is 32 pages long.
Where do you deliver to?
We deliver to all countries globally.
How long does it take to arrive?
Books are custom printed on demand and US and international orders typically take 2-3 weeks based upon production demand, though often orders arrive much sooner! For the winter holidays we recommend ordering by the end of November for holiday delivery.
Can I have more than one pet in the story?
Yes! You can create a story with one, two, or three pets having an adventure together as well. Books can include dogs only, cats only, or dogs and cats together. Just choose the number of pets that you'd like in the book during the order process.
I don't see my breed / can you customize designs / images?
Custom breed designs and colorings can be created for an additional fee. Choose the "Custom Design or Breed" option when choosing your dog or cat breed, simply include the information in the order form. You can also email color / breed details and additional images if desired to firstname.lastname@example.com with your order number when you choose the Custom Design or Breed option.
Can I see a sample of my order?
For Pet Books: You can see a sample book preview on our site at https://petventuresbook.com/pages/golden-retriever-preview. Or if you'd like we can send you a sample of one pose if you choose the "Custom Design or Breed" option and request a sample image while sharing your order number when reaching us at firstname.lastname@example.com.
Can I put a photo in my book?
If you would like to add a dedication photo in your book please choose the "Add a dedication photo" option at the end of the order form and upload the image you would like for a dedication photo.
Please Note: If you choose the "Custom Breed or Design" option the photo uploads in that section are for our artists to review examples of your pet, not for a dedication photo.
Can I add a Dedication?
Yes, you can add dedication text in the order form when customizing your book.
How many owners can I put in the book?
You can include up to 3 owners per book.


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Free Fight
"I hope Bader thinks I'm a stepping stone, that I'm a nobody. He called me out thinking that, and he's gonna be in a lot of trouble if he thinks that way." - Tito Ortiz
There was a time when Tito Ortiz was invincible. Back before Forrest Griffin and Stephan Bonnar opened up the floodgates for the mixed martial arts explosion in 2005, it was "The Huntington Beach Bad Boy" who ruled the UFC roost, becoming the organization's first true superstar as he defeated the likes of Wanderlei Silva, Evan Tanner, Ken Shamrock, Vladimir Matyushenko, and Yuki Kondo.
He knew it too.
"Before I fought (Randy) Couture and lost to him (in 2003), I thought I was invincible," said Ortiz. "I thought I was gonna walk through Couture and I should have given him a lot more respect. But he outwrestled me and beat me for my title."
It was Ortiz' first dose of reality in the harsh fight game. His early losses against Guy Mezger and Frank Shamrock could have been chalked up to inexperience and cardio issues, and he addressed both, going on a six fight winning streak after his 1999 defeat to Shamrock. In those days, Ortiz was mixed martial arts in the United States, and it was a wild ride for someone who didn't get handed anything on the way up the ranks.
"I remember being a young kid who wasn't sure what to expect and who was training as hard as possible," he said. "But I set a task in front of me to achieve, and I was getting my hand raised. At first I thought it would just be a couple fights and I'd go back to coaching and become a high school teacher. But I guess the opponents I competed against brought the best out of me and made me one of the best champions in UFC history."
To this day, he remains the longest reigning 205-pound champion ever, but after the Couture fight, he was lost, not knowing what would happen after his upset defeat to the future Hall of Famer.
"It was hard to swallow, being the champion for five consecutive defenses and holding it for almost four years, and then you're at the bottom of the bucket again," said Ortiz. "It was a heart-wrencher, especially for me because I had nothing to fall back on – I didn't have rich parents or a family to fall back on. I have myself and just myself. When I lost the title, I thought my future was done. But I sucked it up and continued on and continued to fight."
Following a TKO loss to Chuck Liddell in his next bout, Ortiz ran off five consecutive wins, defeating Ken Shamrock twice more and also turning back Patrick Cote, Vitor Belfort, and Forrest Griffin. The bad boy was back, but a UFC 66 loss to Liddell in their 2006 rematch began a slide that has seen him go winless in his last five bouts, with four defeats and one draw. He's only lost to top level talents like Liddell, Griffin, Lyoto Machida, and Matt Hamill, while drawing with Evans, and he's also dealt with multiple injuries and surgeries, but in the eyes of many fight fans, at 36, he's passed his sell by date, and is merely a stepping stone for his opponent this Saturday in Las Vegas, Ryan Bader.
"Is it time for me to say goodbye?" he asks. "Let's see if I get a win. Maybe I am done, maybe it is time for me to hang 'em up."
When Ortiz says those words, it's as if he's addressing the world, particularly the doubters. He knows that over 14 years in the fight game and all the injuries have taken their toll. He's well aware that the other two members of the triumvirate that ruled the division for so many years (Liddell and Couture) have already retired, and he is more than cognizant of the fact that in Bader, he's fighting a young, hungry lion looking to use him as a high-profile victim on his resume.
And that's fine, but make sure you remember that for fighters like Ortiz, the last thing to go isn't the punch, but the pride. And the man who used to own the 205-pound weight class isn't about to lie down and let Bader walk all over him. If he's got something left, he's bringing it to the Octagon Saturday night.
"I'm healthy, my surgeries have been one hundred percent, no problems at all, I can wrestle again and do the things that I wasn't able to do prior and it makes me more confident," he said. Those are the stock answers you would expect from any fighter leading up to a bout. But then you ask Ortiz whether he believes the old fight game adage that every great fighter has one great fight left in him, and then you hear him perk up.
"I hope so," he said with a smile. "I'm training like it. I've been putting in the time and the work, I've focused a lot on my striking and takedown defense. Against Hamill I didn't have it that much because I just wanted to punch him in the face, and I'm not gonna make those same mistakes. I hope Bader thinks I'm a stepping stone, that I'm a nobody. He called me out thinking that, and he's gonna be in a lot of trouble if he thinks that way. He's gonna have a tough fight on his hands. I'm going in swinging, defending shots, punching and elbowing and doing as much as I possibly can, inflicting as much damage in the quickest amount of time. I'm swinging for the fences and not holding anything back."
He will live up to his words too, because now he's seen his pride attacked. No one has given him the benefit of the doubt when it came to his injuries or his ability to still be in fights that he has lost. He's just been pushed to the side as a guy sticking around too long.
"I think people have forgotten because I've battled against a lot of injuries but still fought top competition," said Ortiz. He talks about wanting to get "build up" fights after returning from his injuries, but he knows that at the UFC level, there is no such thing. If you've been blessed to make it here, you're also cursed in that there are no easy fights. There's the possibility of a war every night, but that's what he signed up for, and no matter what he may say, he still made that walk to the Octagon when they called his name.
Now it's a new generation coming up though, and Ortiz has to deal with that reality. And even though he laid the blueprint for a lot of up and comers, he still believes that he's got something they don't.
"It really comes down to the heart," he said. "How much more do they know than me? I don't think it's much. I've been in this game for a long, long time and it's kinda like looking in the mirror a little bit. They're a little bit younger, but do they have the same skillset or mindset as me, and are they as used to big fights as me? I don't know, but I'll push the tempo (against Bader) and test these boundaries."
On Saturday night, Tito Ortiz walks into the Octagon he helped build, and if it's going to be his last go round, he's going to make sure Ryan Bader knows he's been in a fight. And don't count him out, because he's got plenty of motivation to get back in the win column and resurrect his storied career.
"My boys are the biggest reason why I get up and train and do what I do," said Ortiz of his three sons, Jacob, Jesse, and Journey. "I want to make sure they have a future and have nothing to worry about financially. I had problems coming up as a kid, and I don't want my kids to have to worry about that. I really want to go on my own terms and I want to make sure that when I leave, I leave happy and proud, and I want my kids know that their father gave it his all. He did the best that he possibly could and he was one of the best champions the UFC ever had at light heavyweight."


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Shenzhen Women
Come and meet the beautiful Women of China!
With their old world values of marriage and family, their new world charm and sophistication, Chinese Women are truly the most cherished women in the world. A date with just one of these Exotic women is worth the trip, but to be in a room full of women wanting to meet you is immeasurable.
- Two fully catered, specific invitation, large Socials
- Hotel accommodations in Shenzhen China
- Unlimited Personal Introductions
- Complimentary interpreters provided at all Socials
- Airport Pickup
- Breakfast daily
- One hotel area and city orientation tour
- 24 hour hospitality and guidance from our AFA staff
- In-house complimentary interpreting services located in the AFA office
- 1 month Platinum Membership ($95.00 value)
You will spend 7 days and 6 nights in Shenzhen, one of the most beautiful and modern cities in the world! If you are looking for the woman of your dreams, then you have to go on one of the most exciting tours that we offer. Chinese women are the most beautiful women in the world; if you have ever dreamed about being with one of these exotic women then quit procrastinating and do something that will change your life forever. Sign up today!
During your stay you will attend 2 socials with lots of young beautiful Chinese women that are just waiting to meet you! These women are there with the sole purpose of finding the man of their dreams. Are you that Man? You wont know unless you go! Besides the social events, our professional staff will make sure every moment of your stay is the best it can be. From arranging dates to making dinner reservations and organizing day excursions, our staff will be there for you during your entire stay.
What Our Clients Say:
Hello, I would like to thank AFA staff for organizing the Shenzhen tour. I had a very good time. Your staff worked very hard to help us. I want to specially thank Amillia who was very kind and dedicated. She helped me restlessly. Her English is very good and efficient. I tried to show my appreciation by paying her. She refused it mentioning she is only doing her job. This really impressed me. Having such a nice person is a gift for any employer.
I want to also thank Helen who was very kind and dedicated. She was waiting for me in the airport for a long time because my flight was delayed but she was still smiling the whole time. I really appreciate it. She also did a good job at the social. Best regards,
Need more information? Read the China Tour News Letter
Caution Traveling to China? Don't forget your Visa!
Information about Shenzhen
Shenzhen is a sub-provincial city of Guangdong province in southern People's Republic of China, situated north of Hong Kong. Shenzhen is a center of foreign investment and since the late 1970s has been one of the fastest growing cities in the world. It is also the busiest port in the PRC after Shanghai. In the past two decades, outsiders have invested more than $30 billion in Shenzhen for building factories and forming joint ventures.
The one-time fishing village of Shenzhen, singled out by late Chinese paramount leader Deng Xiaoping, to be the first of the Special Economic Zones (SEZ) in China. It was originally established in 1979 due to its proximity to Hong Kong, then a prosperous British colony. The SEZ was created to be an experimental ground of capitalism in "socialism with Chinese characteristics".
The location was chosen to attract industrial investments from Hong Kong since the two places are nearby each other and share the same culture. The concept proved to be a great success, propelling the further opening up of China and continuous economic reform. Shenzhen eventually became one of the largest cities in the Pearl River Delta region, which has become one of the economic powerhouses of China as well as the largest manufacturing base in the world.
Shenzhen, formerly known as 'Bao'an County ', was promoted to prefecture level, directly governed by Guangdong province, in November 1979. In May 1980, Shenzhen was formally nominated as a "special economic zone", the first one of its kind in China. It was given the right of provincial-level economic administration in November 1988.
Shenzhen is the earliest of the five special economic zones in China. Deng Xiaoping is usually credited with the opening up of economic revival in China, often epitomized with the city of Shenzhen, which profited the most from the first legacies of Deng.
Shenzhen is home to the world's ninth tallest building, the Shun Hing Square (Diwang Building). As people start to congest the downtown area, Shenzhen has built 23 buildings over 200 metres, mostly in the Luohu and Futian districts. The second tallest building in Shenzhen is SEG Plaza at a height of 356 meters (292 meters to roof-top). It is located in the commercial and shopping district of Hua Qiang Bei. According to Emporis, Shenzhen is ranked ninth in the world in terms of highrise buildings, and fifth best city skyline in the world.
Shenzhen has some of the most audacious projects that China has ever seen, and it has been a site for China to showcase its wonder. The International Trade Center, built in 1985, was the tallest building in China when built, and the Shun Hing building was also the tallest in Asia when it was built (still the tallest steel building in the world).
Shenzhen is also the site for many tall building projects. Some of the supertalls that have been either proposed or approved are well over 400 meters. The current tallest building under construction is the 439 metre tall Kingkey Finance Tower, which will be finished in 2010. However, there are many renders of supertalls that will surpass the Kingkey Finance Tower height by 2015.
There had been migration into southern Guangdong and what is now Shenzhen since the Southern Song Dynasty (1127-1279) but the numbers increased dramatically since Shenzhen was established in the 1980s. In Guangdong, it is the only city where Mandarin is mostly spoken, with migrants from all over China. At present, the average age in Shenzhen is less than 30. Among the total, 8.49 percent are between the age of 0 and 14, 88.41 percent between the age of 15 and 59, one-fifth between 20 and 24 and 1.22 percent are aged 65 or above.
The population structure polarizes into two opposing extremes: intellectuals with a high level of education, and migrant workers with poor education. It was reported in June 2007 that over 20 percent of China's PhD's worked in Shenzhen.
Shenzhen's major tourist attractions include the Chinese Folk Culture Villages, the Window of the World, Happy Valley, Splendid China, the Safari Park in Nanshan district, the Dameisha Promenade, Xiaomeisha Beach Resort in Yantian district, Zhongying Street, Xianhu Lake Botanical Garden, and Minsk World. The city also offers free admission to a number of public parks including the Lianhuashan Park, Lizhi Park, Zhongshan Park and Wutongshan Park. Shenzhen is famous for the great variety of cuisines that its numerous restaurants provide.
Most tourists, however, choose to stay in a largely expatriate and exotic residential community called Shekou, home to a large French cruise liner cemented into the ground, confiscated on drug smuggling charges. Shekou was expanded and renovated in recent years, including claiming additional land from the sea.
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Mar 7, 2022
In honor of Women's History Month, we're revisiting an article from 2013 called "The XX Factor," which highlights the Women in Home Performance Initiative. The article features an interview with Ann Atkinson and discusses the challenges women face in male-dominated industries. Let's discuss what's changed for women in the industry since the article was published.
By: Macie Melendez
In honor of Women's History Month, we're taking a look at our archives—specifically at content we've published related to women in home performance. This week, we're sharing an article I wrote in 2013 titled, "The XX Factor." Right on the heels of a then-named Affordable Comfort Institute's formation of the Women in Home Performance Initiative, this article features an interview with Ann Atkinson.
For background, the Building Performance Association was formed through the re-alignment of three organizations. The Association now consists of the assets and staff from Efficiency First, Home Energy Magazine, and the Home Performance Coalition, which itself was the result of a merger of Affordable Comfort, Inc. and the National Home Performance Council (NHPC).
After reading this article, think about what's changed (or hasn't) for women in our industry since this was originally published 9 years ago. Leave me a comment and let's discuss.
The XX Factor
ACI launched a new initiative in February of 2012 to address challenges, remove barriers, and promote opportunities for women in the traditionally male-dominated home performance and weatherization industry. It is called Women in Home Performance, and it presents a forum for business development, education, mentoring, and networking through webinars, ACI events, a LinkedIn discussion group, and online trainings. Both men and women are encouraged to participate in the initiative and discover the unique skill sets that women have to offer this industry.
To find out more about the initiative, we spoke with Ann Atkinson (pictured at right), a mentor who led discussions for Women in Home Performance online in a webinar this past summer. Ann also led discussions at a meeting held in Pittsburgh during the ACI Mid-Atlantic Home Performance Conference; and she will be presenting a new four-part online course—Women on Board: Training Women to Be Leaders in the Boardroom—starting in February 2013.
Ann is CEO of Atkinson & Associates, LLC, a consulting firm specializing in strategic planning, organization design, change management, board of director training, organizational culture, future trends, franchising, leadership mastery, emotional intelligence, and systems development. Ann has more than 35 years of experience, having served as interim chief executive officer for Equitable Real Estate Investments and chief operating officer for three major organizations in both the for-profit and the nonprofit sectors.
Q&A with Ann Atkinson
Macie Melendez (MM): Tell us why you got involved in the Women in Home Performance initiative at ACI.
Ann Atkinson (AA): I believe in the vision and mission of ACI and of this initiative in particular. There certainly needs to be a central point for dialogue, research, advocacy, and education on essential topics facing this industry, one that includes the issues women encounter professionally. ACI fills that gap.
MM: What are some of the biggest issues that women face today in a male-dominated industry like home performance?
AA: By 2050, census reports indicate there will be more women than men in the United States. Currently, there are more women graduating from college with professional degrees, such as law, accounting, etcetera. That is going to eventually bring a change in the way business operates, both nationally and globally. Those women who prepare now will be better prepared for higher leadership roles in the future.
The second issue facing women is [how to gain a] broader understanding of how women can help each other. Men have already learned how to do that. Women have been extremely slow to support each other. Yes, there are some women recommending other women for work, but that could be accelerated by a factor of 10 or 20. And it really needs to start now.
The third issue is that male-dominated industries are becoming a minority scenario, and, as I mentioned previously, will slowly disintegrate. That, coupled with the fact that women have enormous buying power and influence over much of the economic market—including housing—generates a power that needs to be embraced.
The last issue is that women need to take pride in their leadership skills and step forward. Women have essential skills that are required in the workplace of the 21st century, and all of us need not apologize for that. Whether a CEO is a woman or a man should not be the issue; the issue should be achieving the desired measurable results. Period.
MM: How do those issues affect women's advancement in the workplace?
AA: In many workplaces there is an unspoken double standard that still exists. A common example relates to how leadership skills are judged. "Good" leaders are expected to be strong, confident, and assertive. Yet when women behave in these ways, they are often perceived as being uncaring, self-promoting, and aggressive—all of which have negative connotations. However, when women act in more collaborative ways, they are viewed sometimes as lacking leadership skills because they compromise too easily. Not only can these perceptions negatively affect women's advancement, they can also impact their salaries, their perceived status among coworkers, their overall sense of security and safety in a company, as well as their stress levels.
Another example that comes to mind of the hidden bias that exists in the workplace is when the current CEO of Yahoo was pregnant on the job. The news was quick to cover, not her skills, but the fact that she was the first CEO who was ever pregnant on the job. Ridiculous!
MM: Do women in every industry face the same kinds of issues in the workplace?
AA: Yes. The issues are universal for women. Again, there needs to be a stronger sisterhood of support, encouragement, mentoring, and recommending other women for work. Is it better now? Marginally so. We just don't talk about it as much.
MM: In order to be a successful initiative, where do you see Women in HP going in the future? In other words, how would you define success for the initiative?
AA: When every major association involved with home performance, including the real estate industry, the construction industry, air conditioning, education, banking, health, government, chambers of commerce, inspectors, etcetera sends its female leaders to take part in this initiative, I would view that as successful. We cannot pigeonhole this type of initiative and training, because it is for every woman who aspires to become a leader and have a voice in her own community.
MM: What specifically can women do to help support one another?
AA: First, they can recommend each other—that is, use female consultants, lawyers, brokers, accountants, etcetera. Next, mentor every female you can, no matter what her age or position. And lastly, encourage women to actively pursue both personal and career development constantly. It comes in many forms and is made available to us in numerous ways. We just need to be open to them. Knowledge is the only competitive edge.
MM: What specifically can men do to ensure that women are advancing appropriately, and that their voices are heard as much as men's?
AA: Well, I certainly have opinions on that, but I think you should ask some men that question. My specific answer is to evaluate a person on achieving the desired results of the position, regardless of gender, race, ethnicity, sexual orientation, or any other form of bias.
MM: Women are often stereotyped (in all industries and areas of life) as being too emotional and sensitive. Does the Women in HP initiative address these stereotypes (or others) as they fit into the roles of home performance?
AA: The act of stereotyping anyone speaks to the lack of sophistication in the world. More troubling to me is the fact that women do it to each other by looks, by clothes, by money, by any number of things … by being derogatory about each other. How many men do you hear doing that to each other? Women have to be open to all women in order for every woman to advance.
Plus, we need to consider our prejudices against certain characteristics, such as passion and sensitivity. Why are they viewed as negative traits? Being an effective salesperson today relies on developing a connection and forming relationships. Being sensitive to your clients' needs or relating to them on an emotional level can establish long-term loyal customers. Perhaps it is time we throw convention out the window, take a look at the strengths people have, and see how they can be used effectively to achieve the desired results.
The Women in Home Performance initiative is developing content to address these types of issues through webinars, meetings, and online trainings.
MM: I read that women are paid $0.83 to the $1 that men make on the job. It's hard to believe that this is still an issue in 2012. What do you think we can all do, as women and as an organization, to change that?
AA: Actually, the figure I've seen (published by ASAE) is $.74 for every dollar a man makes, which is even worse. As I have said at some of my workshops, the reason women are made leaders of chambers or associations is because they are willing to work cheap.
Women need to better understand what appropriate salaries look like in their field and then not be afraid to ask for them. The attitude of self-belittlement has just got to stop. If I have a job to do and I reach or exceed the desired results, I should be rewarded for it at a competitive rate, regardless of my gender.
This article originally appeared in Home Energy magazine, which is the eJournal's predecessor publication. We'll be publishing more women in home performance content from our archives throughout this month.
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Appliance Service Plans: Read The Fine Print
Many utility companies offer home appliance service plans that provide repair coverage on furnaces, central air conditioners, water heaters, clothes washers and dryers, range/ovens, and many other home appliances. Under these types of plans, the customer pays the company a yearly fee and the company agrees to repair any appliances covered under the plan. In the event of a covered repair, customers are not charged for parts, labor, or a service trip. However, as with any maintenance or service plan, you should read the fine print carefully to make sure you understand the costs, terms, and limitations of these plans.
Before Purchasing An Appliance Service Plan, Consider The Following Points:
Always consider whether the yearly cost is worth the advantage of having coverage in the event of an appliance breakdown. Companies offer a variety of service plans. Costs vary, depending on the type of coverage each plan offers. For example, a basic plan covering only a furnace can cost around $70-85 a year. A deluxe plan covering all major appliances might cost over $220 a year.Covered Services And Non-Covered Services
Always ask for a complete list of covered services and parts, and what is not covered. Some services and parts you might expect to be covered may not be covered. For example, a furnace tune-up and safety check is not covered under most standard furnace service plans.Service Employees
Some utility companies use employees other than their own for service calls (contractors). Ask the company if its contractors are licensed, bonded, and carry appropriate insurance. Request a list of the company's approved contractors.Limitation of Liabilities
Carefully review the terms and conditions of the plan. An appliance service plan limits the company's liability if it is unable to respond to a service call or successfully repair a covered appliance. For example, under most plans, companies will not pay for repairs when the company hasn't responded to a service call promptly due to workload emergencies and weather conditions and the customer has to have someone else repair a broken appliance. Under some plans, if the company's cost to repair an appliance exceeds its current market value, the company will not repair it. Ask for a copy of the terms and conditions of the plan and review it carefully.


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Hundreds of thousands of homeowners facing foreclosure might get help by having the amount they owe reduced by Fannie Mae and Freddie Mac.
This is a hot topic in Washington, D.C., with many Democrats pushing for these so-called "principal reductions" to try to help the housing market. On Tuesday, a top federal regulator came a step closer to allowing the move.
NPR and ProPublica reported three weeks ago that Fannie and Freddie had each just completed a new analysis and found that principal reductions would save the government-owned enterprises money.
Edward DeMarco, acting director of the Federal Housing Finance Agency, which controls Fannie and Freddie, has released the official figures from the agency's report.
"In this analysis, principal reduction is better for the enterprises. ... It reduces ... [their] losses by $1.7 billion," DeMarco said.
This is a big change.
Fannie and Freddie are now owned by the government and control most of the home loans in the country. DeMarco has steadfastly resisted cutting the amount that borrowers owe, but now the Treasury Department has tripled an incentive through the Troubled Asset Relief Program, the bank bailout fund.
Speaking at the Brookings Institution in Washington on Tuesday, DeMarco said if Fannie and Freddie do these write-downs, billions of dollars from the Treasury Department would be steered toward them.
"The expected incentive payments ... would be $3.8 billion," he said.
A Tax-Dollar Shell Game?
Critics say this incentive amounts to a "shell game." By giving Fannie and Freddie taxpayer money from another source, the Treasury Department has made the write-downs look good on Fannie and Freddie's books, but the write-downs would still result in taxpayer expense. Proponents counter that it would help the housing market and taxpayers eventually.
"Two-thirds of taxpayers are homeowners, and protecting housing markets and stabilizing communities all accrues to their benefit, too, so it's just where you draw the line on your analysis," says housing economist Andrew Jakabovics of the nonprofit Enterprise Community Partners.
For years, Jakabovics has been an advocate of principal write-downs. DeMarco is not announcing any final decision yet, but reading the tea leaves in the speech, Jakobavics says he came away thinking "this $1.7 billion net positive to do it seems to mean that they're leaning into it."
Whether or not they are "leaning into it kicking and screaming" is irrelevant, he says.
The kicking and screaming refers to the fact that there has been pressure from the White House and Democrats in Congress for Fannie and Freddie to get more aggressive with foreclosure prevention. Many in that camp think principal write-downs should play a role.
Jakabovics says this approach wouldn't be a silver bullet to fix housing. Some economists say it might reach several hundred thousand borrowers, and overall, Jakabovics says it would help.
"I think this is a meaningful tool to be able to have in the arsenal," he says.
Strategic Defaults
Still, DeMarco did raise concerns about just writing off $20,000 or $50,000 of what a borrower owes. Even if that would save money compared to a foreclosure, DeMarco asked if forgiving debt for some delinquent homeowners might encourage others to stop paying their mortgages to try and get the same deal.
"The far larger group of underwater borrowers, who today have remained faithful to paying their mortgage obligations, are the much greater contingent risk to housing markets and to taxpayers," he said.
In other words, you don't want to encourage those homeowners to start defaulting on purpose.
Jakabovics counters that if the FHFA were worried about that, it could get around the issue completely. For example, by only offering write-downs to people who have already defaulted, there would be no incentive created for anyone else to default.
Jakabovics says the program could be designed in several other ways to reduce or eliminate the risk of strategic default.
Out On The 'Hairy Edge'
Some experts just don't like the unfair, free-lunch aspect of principal write-downs. For them, forgiving principal outright seems to cross a bright line and raise all manner of fairness and moral hazard concerns.
Anthony Sanders, a professor of real estate finance at George Mason University, says this would be a "major shift in economic policy" and that there would be unintended consequences.
"Do we really want to go out on the hairy edge, based on a few anecdotal assumptions that this might work?" Sanders asks. "I would argue no."
For Sanders, the risks outweigh the benefits.
For its part, the private sector has already embraced principal write-downs. Banks have started reducing principal to avoid foreclosure in nearly 1 out of 5 of the problem bank-owned loans they modify.
DeMarco says he expects to decide whether Fannie and Freddie will do principal write-downs in the next few weeks.
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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Mental Health for Everyone
May is recognized as Mental Health Month, Children's Mental Health Month, and Maternal Mental Health Awareness Month. Mental Health America designated this year's theme as "Pathways to Wellness", so it's fitting to unveil this monthly column focused on Emotional Wellness. What comes to mind when you think of emotional wellness? Wellness isn't simply the absence of illness or problems; wellness includes any approach, activity, or behavior that leads us towards health and maximizing our potential in relationships, in work, in coping, in being in the world. What does emotional wellness look like? Among other things, it's the ability to attend to and express our feelings effectively, adapt to change, manage conflict, assume personal responsibility, make decisions, and form healthy relationships.
This all sounds great, right? So what gets in the way of emotional wellness? A combination of genetics, biology, environment, and experience. Experiences ranging from daily stress to trauma can impact our emotional wellness. Existing stigma surrounding mental health also impacts our emotional wellness, by limiting the support available.
As this cartoon playfully but pointedly illustrates, while physical health and illness are often openly talked about, when it comes to mental health, there is still too often, silence. Fortunately, in recent years I've noticed an increased interest, willingness and openness among individuals to discuss the importance of attending to mental illness and wellness. From public outcry and discussions following the Sandy Hook Elementary shootings, to mandated coverage of mental health services within the Patient Protection and Affordable Care Act, to television entertainment such as "LA Shrinks" and "In Treatment", attention to mental healthcare is undoubtedly becoming more acceptable.
So what, exactly, are "mental health issues"? Any thought, feeling, mood or behavior that interferes with our ability to function or cope adequately in our lives. By this definition, we all have "issues" at times and stressors are a strong factor for situational bouts of depression, anxiety and relationship difficulties. As with many things, there is a continuum of mental health and illness. Mental health disorders are not character defects or weakness; rather they are understood to be caused by the interplay of genetic, biological and environmental factors, not unlike heart disease, diabetes, or even migraine headaches. However, just as most physical illnesses are temporary and treatable, so are most mental illnesses, as long as individuals aren't too stigmatized to seek professional help. Therapist Joyce Marter, LCPC says, "A therapist is like a personal trainer for your mind". In our ongoing pursuit of wellness, I believe that we all can benefit from therapy. Not so surprising coming from a Therapist, I know!
How can you protect your mental health?
Take care of your physical health.
Give yourself adequate sleep, move your body, eat nutritious foods, drink water. There is a link between physical and mental health.
Start by practicing mindfulness: attention to the present without judgment. Pay attention to and reduce negative self-talk, self-criticism. Notice when you are focusing on the past and future.
Be good to yourself. Make time for self-care: activities, hobbies and people you enjoy.
Utilize available supports: family, friends, your faith, professionals, etc.
For more information, visit www.mentalhealthamerica.net, www.nami.org, or www.childmind.org.


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We can introduce you to a selected panel of lenders, which includes Ford Credit. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to Ford Credit who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and Ford Credit also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18's or over. Guarantees may be required.


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I thought the soup was just OK, but Mr. Wing it loved it! Mr. Wing-It always finishes his meals before me and he starts doing the dishes right away (I know!), so there I was finishing my soup by myself, when I looked behind me and saw him slouching over the kitchen sink spooning out the tiny little bit of soup that was left in the pot and licking the spoon clean. I figured the soup had to be blog worthy!
(Left Over) Mashed Potato Pumpkin Soup
olive oil 1 small onion, chopped 1/2 small red bell pepper, chopped 2 small carrots 1 cup mashed potatoes (waxy potatoes are the smoothest) 1 cup canned pureed pumpkin 1 cup water or vegetable broth 1/2 cup soy milk 1 tbsp of parsley (minced) 1/2 teaspoon sweet paprika, mainly for color salt to taste dash of black pepper a couple of dashes of nutmeg, or to taste 1- Saute the onion and the red pepper in a little bit of olive oil for about 8 minutes or until soft. 2- In a blender or large food processor, combine the sauteed onion and peppers, carrots, mashed potatoes, pumpkin pure, water, soy milk, parsley, and paprika and blend until very smooth. 3- Transfer the soup to a pot and add salt, black pepper, nutmeg to taste. 5- Simmer until thoroughly hot and serve. This made two bowls of soup. This soup has a mild pumpkin flavor, if you want it super pumpkiny add an extra 1/2 cup of pumpkin puree. If you want to draw the creepy face on it, you just need to spoon two big drops of a smooth marinara, pizza sauce, or even tomato sauce for the eyes, one big drop for the nose, and one curvy line for the mouth. Then take a toothpick and "drag" the tomato sauce eyes and nose to create triangles. Also using a toothpick, draw a zigzag line across the mouth to create the creepy mouth effect. It sounds more complicated than it is, and it doesn't have to be perfect - mine certainly isn't. |
Now on to dessert! If you're expecting a super healthful cookie, then turn around and keep looking-this ain't it! These Halloweegan Pumpkin-O's consist of a smooth pumpkin cream sandwiched between two crunchy chocolate shortbread cookies.
Halloweegan Pumpkin-O's For the chocolate shortbread: 1/2 cup Earth Balance or other vegan butter substitute 1/4 cup brown sugar 3/4 cup whole wheat pastry flour 1/4 cup cocoa powder, sifted 1 to 2 tbsp water 1- Preheat the oven to 375 degrees F and spray a cookie sheet with cooking spray. 2- In a medium size bowl, use an electric mixer to cream the EB and the brown sugar. Beat well until smooth and creamy. 3- Stir in 1/2 cup of flour and the cocoa. 4- Add 1 tbsp of water and blend it in. 5- Add the rest of the flour, adding more water if needed. The dough should be just firm enough for you to be able to roll it out and cut out your cookies. Not too firm, but not too sticky and unmanageable. 6- Roll out the dough (no more than 1/4 inch thick) on a floured surface and use a cookie cutter to cut out pumpkin shaped cookies. Round or oval cookies will also work just fine. 7- Carefully transfer the cookies to the prepared cookie sheet and bake for about 12 minutes. Let the cookies cool down to room temperature before you start the cream filling. This made 4 big sandwiches (8 single cookies). Ingredients for the pumpkin cream: 1/4 cup Earth Balance or other butter substitute 2 tbsp pumpkin puree 1 tbsp maple syrup 1/2 tbsp vanilla cinnamon to taste (a couple of dashes was plenty for me) 1- In a small mixing bowl, use an electric mixer to cream the Earth Balance. 2- When the EB is light and fluffy, add the rest of the ingredients and keep mixing on high until creamy and smooth. 3- Use a spatula to spread the filling on top of half of the cookies. Top them with the other half. I used melted chocolate chips to draw the faces, using a decorating tip. You can melt your chips in the microwave in 30 second intervals (cook and stir, cook and stir, until melted) or if you're fancy and proper you can use a double boiler. To fill the eyes and the nose after I drew them with the melted chocolate chips, I used a powder sugar and carrot juice icing that I didn't measure at all. Sorry. I gradually added carrot juice to a little bit of powder sugar until it was the right consistency. Looking back now, I probably would have added a pinch of paprika and turmeric to give it a deeper orange color. Oh well, there's always next time. Keep the sandwich cookies refrigerated and eat them cold so the cream stays put. Also, these have a mild, pleasant pumpkin flavor. Add more pumpkin to taste for a stronger pumpkiny flavor. Phew! That was a long post! |


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What do I have to do to participate in the ShakeOut?
Where is the ShakeOut being held?
What will happen on October 19?
How long does the ShakeOut last?
What is the date of next year's ShakeOut?
I've heard about alternate ways of staying safe during an earthquake, like the "Triangle of Life" concept. What should I do?
I want to put up posters or other advertising relating to the ShakeOut. How can I order some?
Is an earthquake going to hit the Southeast on October 19?
Who can participate in the ShakeOut?
How can I teach my kids to prepare?
Will you be utilizing ham radio? At what frequency will you be broadcasting?
I want to reprint information found on the ShakeOut website. May I do this?
I haven't received anything about the ShakeOut. Am I registered?
Having trouble finding something? Here are a few of our frequently asked questions. Can't find it here? Contact us.


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How to End Corporate Rule:
- 8 Ways to De-Corporatize Your Money
- Share
8 Ways to De-Corporatize Your Money
Debit or credit? Keep your dollars out of corporate clutches.
Ditch the Cards
All electronic transactions siphon money out of your community to some extent, so try the human approach and bank in person. Pay in cash or, second best, write a check. If you have to use plastic, choose debit. Your local merchants lose some of their profit any time you use a card, but they pay up to seven times more in fees when it's a credit card. And studies show people spend 12 to 18 percent more when they use cards instead of cash.
Move Your Debt
Already broke up with your mega-bank? From credit card balances to car loans to mortgages, mega-banks make far more money off your debt than your savings. Refinance your debt with a credit union or local bank and let your fees support your community. Be wary of "affinity credit cards," which donate a certain amount per purchase to good-hearted organizations but often are connected with a mega-bank.
Spend Deliberately
Forget Internet deals; shop local and independent. Support second-hand markets by buying used, and barter and trade services when you can. Look for goods grown and made nearby.Research your purchases carefully: That organic Dagoba chocolate bar is owned by industry bad-boy Hershey. Want to give money to Coca-Cola? Buy Odwalla juice. Easy company screening at Green America's Responsible Shopper website.
Shorten Loan Lengths
To get as much interest from you as possible, banks offer to stretch out terms. Avoid the 30-year mortgage or the seven-year car loan. If you're stuck with one, change it yourself: Decide the length of term that's best for you and pay down your principal. Calculators at sites like mtgprofessor.com can be used for any loans, not just mortgages.
Earn Feel-Good Interest
A community development bank will reinvest money from your CD back into your community and pay you interest. So will alternative savings tools offered by RSF Social Finance or the Community Investment Note from the nonprofit Calvert Foundation, which also lets you target by cause, such as public radio stations. Put money into kiva.org microloans and get no interest but big returns in social-economic justice. Closer to home, consider investing in family—a college loan for a nephew, for example.
Create a DIY Retirement Fund
Avoiding Wall Street's ubiquitous 401k can be tricky. One way is via "Self-Directed" IRAs and Roth IRAs. These require the account owner—you—to make all investment decisions. You get to decide what projects to invest in—from local projects and businesses to real estate.
Invest In Home
Investing in your home strengthens your community and builds your wealth. Pay down your mortgage, then use that equity when it's time to retire. Want more investment? Do it with a second property and be a local landlord, or invest in your children's home. Beyond mortgages, invest in your home's energy efficiency for a solid rate of return. Or become your own utility by tying your alternative energy system into the grid.
Don't Forget Your Community
Buy shares of a local co-op—utility, food, store—or jump on a Direct Public Offering. Seek out, or better yet start, a community investment group to connect local businesses with local investors. Look for community Revolving Loan Funds that allow participation by individual investors, such as Cascadia (Pacific Northwest), "Invest Local Ohio" Economic and Community Development Notes, the New Hampshire Community Loan Fund, and Mountain BizWorks (North Carolina).


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Course : Data for Communicators
- Course Number
- Section Number
- 201
- Semester
- Spring 2022
- Location
- Fain Fine Arts Center, D202
- Professor
- Dr. Mitzi Lewis
- Days & Times
- Final Exam Day/Time
- Curriculum Vitae
- Attachments
Note: You may not submit a paper for a grade in this class that already has been (or will be) submitted for a grade in another course, unless you obtain the explicit written permission of me and the other instructor involved in advance.
Plagiarism is the use of someone else's thoughts, words, ideas, or lines of argument in your own work without appropriate documentation (a parenthetical citation at the end and a listing in "Works Cited")-whether you use that material in a quote, paraphrase, or summary. It is a theft of intellectual property and will not be tolerated, whether intentional or not.
Student Honor Creed
As an MSU Student, I pledge not to lie, cheat, steal, or help anyone else do so."
As students at MSU, we recognize that any great society must be composed of empowered, responsible citizens. We also recognize universities play an important role in helping mold these responsible citizens. We believe students themselves play an important part in developing responsible citizenship by maintaining a community where integrity and honorable character are the norm, not the exception.
Thus, We, the Students of Midwestern State University, resolve to uphold the honor of the University by affirming our commitment to complete academic honesty. We resolve not only to be honest but also to hold our peers accountable for complete honesty in all university matters.
We consider it dishonest to ask for, give, or receive help in examinations or quizzes, to use any unauthorized material in examinations, or to present, as one's own, work or ideas which are not entirely one's own. We recognize that any instructor has the right to expect that all student work is honest, original work. We accept and acknowledge that responsibility for lying, cheating, stealing, plagiarism, and other forms of academic dishonesty fundamentally rests within each individual student.
We expect of ourselves academic integrity, personal professionalism, and ethical character. We appreciate steps taken by University officials to protect the honor of the University against any who would disgrace the MSU student body by violating the spirit of this creed.
Written and adopted by the 2002-2003 MSU Student Senate.
The Americans with Disabilities Act (ADA) is a federal anti-discrimination statute that provides comprehensive civil rights protection for persons with disabilities. Among other things, this legislation requires that all students with disabilities be guaranteed a learning environment that provides for reasonable accommodation of their disabilities. If you believe you have a disability requiring an accommodation, please contact the Disability Support Services in Room 168 of the Clark Student Center, (940) 397-4140.
The professor considers this classroom to be a place where you will be treated with respect as a human being - regardless of gender, race, ethnicity, national origin, religious affiliation, sexual orientation, political beliefs, age, or ability. Additionally, diversity of thought is appreciated and encouraged, provided you can agree to disagree. It is the professor's expectation that ALL students consider the classroom a safe environment.
All instructors in the Department have voicemail in their offices and MSUTexas e-mail addresses. Make sure you add your instructor's phone number and e-mail address to both email and cell phone lists of contacts.
All students seeking a Bachelor's degree from Midwestern State University must satisfy a writing proficiency requirement once they've 1) passed the 6 hours of Communication Core and 2) earned 60 hours. Students may meet this requirement in one of three ways: by passing the Writing Proficiency Exam, passing two Writing Intensive Courses (only one can be in the core), or passing English 2113. If you have any questions about the exam, visit the Writing Proficiency Office website at https://msutexas.edu/academics/wpr, or call 397-4131.
Senate Bill 11 passed by the 84th Texas Legislature allows licensed handgun holders to carry concealed handguns on campus, effective August 1, 2016. Areas excluded from concealed carry are appropriately marked, in accordance with state law. For more information regarding campus carry, please refer to the University's webpage at https://msutexas.edu/campus-carry/rules-policies.
If you have questions or concerns, please contact MSU Chief of Police at firstname.lastname@example.com.


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Eye Safety Tips For The Weekend Warrior
Many of us work long hours and have little time for activity during the week. But when the weekend comes, it's time to go out and play!
Eye Protection Is Important In An Active Lifestyle
Whether you're a passionate runner, avid climber, or someone who enjoys the occasional round of golf, it's important to remember to protect your eyes when you're on the go. It is estimated that 40,000 sports-related eye injuries occur every year in the United States. The good news is, 90% of those accidents are avoidable.
Choose The Right Protection For Your Activity
No matter what activities you participate in after putting in a long week of hard work, it's important to wear the right vision protection. Here are a few sport-specific suggestions:
- Hiking and outdoor activities: Sturdy street-wear sunglasses with UV protection
- Running or Bicycling: Sturdy street-wear frames with polycarbonate or CR-39 lenses
- Racquetball: Sports goggles with polycarbonate lenses
- Squash: Sports goggles with polycarbonate lenses
- Swimming and pool sports: Swim goggles recommended
- Tennis (singles): Sturdy street-wear frames with polycarbonate or CR-39 lenses
- Tennis (doubles): Sports goggles with polycarbonate lenses
Find Eyewear With Proper UV Protection
While there isn't an increased risk of eye injury in every sport, all outdoor sports have one common threat to our vision health—UV rays.
[iframe https://www.youtube.com/embed/kmyghIOM-V8?rel=0 620 349]
Ultraviolet or UV rays are emitted from the sun and prolonged exposure can do lasting damage to our skin and our eyes. Health risks of continued UV exposure include:
- cataracts—a clouding of the eye's lens,
- photokeratitis—a temporary but painful sunburn on the surface of the eyes—also known as snowblindness, and
- skin cancer—a common form of cancer which can even develop in our eyelids and in the skin surrounding our eyes.
The sun also provides other risk factors to our vision health. Continual exposure to blue light–another harmful portion of the solar spectrum–has been found to cause macular degeneration. Even a few hours in the sun can hamper our eyes' ability to adjust in the dark, making it difficult to drive at night after a day outside.
We Can Help Protect Your Vision
Whether you're a weekend warrior or a professional athlete, it's important to take the necessary steps to protect your vision health. As your lifelong vision partner, we're committed to protecting your vision and whole body health so you can continue to enjoy your active lifestyle. If you have any questions or you'd learn more about custom made eyewear, schedule an appointment to come in and see us or leave a comment below!


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Maths Tutors in Hartlepool
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Hartlepool Maths Tutors near me
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Lawsuits before Unbelievers.*1How can any one of you with a case against another dare to bring it to the unjust for judgment instead of to the holy ones?2Do you not know that the holy ones will judge the world? If the world is to be judged by you, are you unqualified for the lowest law courts?a3Do you not know that we will judge angels? Then why not everyday matters?4If, therefore, you have courts for everyday matters, do you seat as judges people of no standing in the church?5I say this to shame you. Can it be that there is not one among you wise enough to be able to settle a case between brothers?6But rather brother goes to court against brother, and that before unbelievers?
7Now indeed [then] it is, in any case, a failure on your part that you have lawsuits against one another. Why not rather put up with injustice? Why not rather let yourselves be cheated?b8Instead, you inflict injustice and cheat, and this to brothers.9* Do you not know that the unjust will not inherit the kingdom of God? Do not be deceived; neither fornicators nor idolaters nor adulterers nor boy prostitutes* nor sodomitesc10nor thieves nor the greedy nor drunkards nor slanderers nor robbers will inherit the kingdom of God.11That is what some of you used to be; but now you have had yourselves washed, you were sanctified, you were justified in the name of the Lord Jesus Christ and in the Spirit of our God.d
Sexual Immorality.*12"Everything is lawful for me,"* but not everything is beneficial. "Everything is lawful for me," but I will not let myself be dominated by anything.e13"Food for the stomach and the stomach for food," but God will do away with both the one and the other. The body, however, is not for immorality, but for the Lord, and the Lord is for the body;14God raised the Lord and will also raise us by his power.f
15Do you not know that your bodies are members of Christ? Shall I then take Christ's members and make them the members of a prostitute?* Of course not!g16[Or] do you not know that anyone who joins himself to a prostitute becomes one body with her? For "the two," it says, "will become one flesh."h17But whoever is joined to the Lord becomes one spirit with him.i18Avoid immorality. Every other sin a person commits is outside the body, but the immoral person sins against his own body.*19Do you not know that your body is a temple* of the holy Spirit within you, whom you have from God, and that you are not your own?j20For you have been purchased at a price. Therefore, glorify God in your body.k
* [6:1–11] Christians at Corinth are suing one another before pagan judges in Roman courts. A barrage of rhetorical questions (1Cor 6:1–9) betrays Paul's indignation over this practice, which he sees as an infringement upon the holiness of the Christian community. 6:2–3: The principle to which Paul appeals is an eschatological prerogative promised to Christians: they are to share with Christ the judgment of the world (cf. Dn 7:22, 27). Hence they ought to be able to settle minor disputes within the community.
* [6:9–10] A catalogue of typical vices that exclude from the kingdom of God and that should be excluded from God's church. Such lists (cf. 1Cor 5:10) reflect the common moral sensibility of the New Testament period.
* [6:9] The Greek word translated as boy prostitutes may refer to catamites, i.e., boys or young men who were kept for purposes of prostitution, a practice not uncommon in the Greco-Roman world. In Greek mythology this was the function of Ganymede, the "cupbearer of the gods," whose Latin name was Catamitus. The term translated sodomites refers to adult males who indulged in hom*osexual practices with such boys. See similar condemnations of such practices in Rom 1:26–27; 1Tm 1:10.
* [6:12–20] Paul now turns to the opinion of some Corinthians that sexuality is a morally indifferent area (1Cor 6:12–13). This leads him to explain the mutual relation between the Lord Jesus and our bodies (1Cor 6:13b) in a densely packed paragraph that contains elements of a profound theology of sexuality (1Cor 6:15–20).
* [6:12–13] Everything is lawful for me: the Corinthians may have derived this slogan from Paul's preaching about Christian freedom, but they mean something different by it: they consider sexual satisfaction a matter as indifferent as food, and they attribute no lasting significance to bodily functions (1Cor 6:13a). Paul begins to deal with the slogan by two qualifications, which suggest principles for judging sexual activity. Not everything is beneficial: cf. 1Cor 10:23, and the whole argument of 1Cor 8–10 on the finality of freedom and moral activity. Not let myself be dominated: certain apparently free actions may involve in fact a secret servitude in conflict with the lordship of Jesus.
* [6:15b–16] A prostitute: the reference may be specifically to religious prostitution, an accepted part of pagan culture at Corinth and elsewhere; but the prostitute also serves as a symbol for any sexual relationship that conflicts with Christ's claim over us individually. The two…will become one flesh: the text of Gn 2:24 is applied positively to human marriage in Matthew and Mark, and in Eph 5:29–32: love of husband and wife reflect the love of Christ for his church. The application of the text to union with a prostitute is jarring, for such a union is a parody, an antitype of marriage, which does conflict with Christ's claim over us. This explains the horror expressed in 15b.
* [6:18] Against his own body: expresses the intimacy and depth of sexual disorder, which violates the very orientation of our bodies.
* [6:19–20] Paul's vision becomes trinitarian. A temple: sacred by reason of God's gift, his indwelling Spirit. Not your own: but "for the Lord," who acquires ownership by the act of redemption. Glorify God in your body: the argument concludes with a positive imperative to supplement the negative "avoid immorality" of 1Cor 6:18. Far from being a terrain that is morally indifferent, the area of sexuality is one in which our relationship with God (and his Christ and his Spirit) is very intimately expressed: he is either highly glorified or deeply offended.
a. [6:2] Wis 3:8; Mt 19:28; Rev 20:4.
b. [6:7] Mt 5:38–42; Rom 12:17–21; 1Thes 5:15.
c. [6:9] 15:50; Gal 5:19–21; Eph 5:5.
d. [6:11] Ti 3:3–7.
e. [6:12] 10:23.
f. [6:14] Rom 8:11; 2Cor 4:14.
g. [6:15] 12:27; Rom 6:12–13; 12:5; Eph 5:30.
h. [6:16] Gn 2:24; Mt 19:5; Mk 10:8; Eph 5:31.
i. [6:17] Rom 8:9–10; 2Cor 3:17.
j. [6:19] 3:16–17; Rom 5:5.
k. [6:20] 3:23; 7:23; Acts 20:28 / Rom 12:1; Phil 1:20.


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Part Number: RN65C3653F | Manufacturer: Mepco |
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