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Infinitely adaptable! Use your favorite seasonings, vegetables, meats (or make it vegetarian), cheese, etc.
I am soooo excited to share today's recipe with you. It comes from my dear friend Kristen. She made it for us when I visited her in Baltimore last month. As I gobbled it down, I couldn't stop saying "I have to share this on my blog, I have to share this on my blog, I have share this on my blog." (Weird blogger life 😐.)
As it turns out, this is something Kristen makes on the regular. And I can see why! Besides taste, this breakfast casserole is pretty impressive in the health category. Full of protein, packed with vegetables. Not only that, it's so easy to make and adaptable to whatever veggies, cheeses, meats, seasonings you love/have on hand. Confession. I've made this 4 times in 3 weeks.
I call it the "CRAZY!! Convenient Casserole." But easy make-ahead breakfast casserole is a little more descriptive and doesn't make me sound like a complete lunatic.
Side note. Did you know that September is national better breakfast month? I believe this means "eat the tastiest breakfasts ever the entire month of September." (And I have a good idea where you can find some inspiration.)
Wink wink.
Ok but in reality, when Eggland's Best asked me to share one of my favorite breakfasts to celebrate better breakfast month, this casserole instantly came to mind. Because, as you know, I've been obsessing over it nonstop.
I'm Eggland's Best cheerleader. Love this brand. I prefer EB eggs in this casserole too– because not only is their taste supreme, their calories are lower and vitamins are high. Each EB egg contains 10 times more Vitamin E than ordinary eggs. 💃🏼
↑ ↑ Soooo much texture and flavor!
This breakfast casserole makes a TON, which I love. I'm talking 12 huge servings, so it's perfect for dinner or breakfast/lunch the next day. I've been eating it on the weekdays instead of my usual cereal/fruit. Feels good to get all those veggies in first thing in the morning and I know Kevin prefers the meat/cheese over granola.
No offense, vanilla almond crunchies.
I took a bunch of step-by-step photos so instead of displaying them all above the recipe, I included them below along with more detailed instructions for you.
I reeeeeeally want you to try this!
Easy Make-Ahead Breakfast Casserole
Makes excellent leftovers for breakfast, lunch, and dinner during the week! Make sure to read the recipe notes and check out all the step-by-step pictures below this recipe before you begin.
- 3/4 pound uncooked sausage, casings removed1
- optional: 1 teaspoon dried rosemary to give the sausage more flavor
- 2 bell peppers, diced (any color you prefer; about 2 cups)
- 1 cup sliced mushrooms
- 1 cup fresh spinach
- 1/2 medium yellow onion, diced
- 1 teaspoon minced garlic
- salt and fresh ground black pepper
- 4 slices day-old gluten free bread (or whole wheat, white, sourdough, etc)
- 10 large Eggland's Best eggs
- 1/2 cup milk (I use almond milk, any milk works)
- 1/2 cup shredded cheese2
- Set a large skillet over medium heat and coat it with nonstick spray or a drizzle of olive oil. Place sausage in the skillet and begin to break it up with a spatula or fork. Stir in the rosemary and brown the sausage, about 6-7 minutes.
- Meanwhile, set a 2nd skillet over medium heat and coat it with nonstick spray or a drizzle of olive oil. (If you have a skillet large enough to fit both the sausage and veggies, you can just add the veggies to the sausage that is browning in step 1.) Add the peppers, mushrooms, spinach, onion, garlic, and a sprinkle each of salt and pepper. Begin stirring and cooking the veggies down until tender, about 6-8 minutes.
- Set sausage and veggies aside.
- Generously grease a 9x13 baking pan. Break the bread into pieces and place in the pan in an even layer.
- In a large bowl, whisk the eggs, milk, and 1/4 cup shredded cheese together. Pour half of this egg mixture over the bread. Top with the sausage and vegetables, then the remaining egg mixture and remaining 1/4 cup cheese. Add a sprinkle of salt and pepper on top.
- Cover casserole with plastic wrap or aluminum foil and refrigerate for 2 hours or overnight-- or up to 1 day. Allow it to come to room temperature before baking.
- Preheat the oven to 375°F (191°C). Bake the casserole, uncovered, until the top is golden, edges are crisp, and a toothpick inserted in the center comes out clean-- about 40-45 minutes. I like mine on the super crisp side, so I bake it for around 45-50 minutes. Allow to cool for 10 minutes, then slice and serve. Kevin loves hot sauce on top of his. Try it! Leftovers keep well in the refrigerator for up to 5 days. Reheat in the microwave to your liking.
- Make ahead tip/Freezing instructions: Obviously this is a make ahead recipe! However, you can brown the sausage and cook down the veggies up to 2 days in advance-- simply put the two in a tupperware in the refrigerator until ready to use in the recipe. Also, you can freeze this breakfast casserole. Prepare through step 5, then cover the casserole with plastic wrap, then a layer of aluminum foil. Freeze for up to 3 months. Allow to thaw overnight in the refrigerator. Bring to room temperature, then continue with step 7.
Recipe Notes:
The onion, garlic, salt, pepper, and cheese are key to great flavor! Don't leave them out.
- Instead of sausage, try browning ground turkey, ground beef, or ground chicken instead. Or use ham. Or cooked shredded chicken. Vegetarians: You can leave out the meat. Just an extra cup (or so) of veggies in its place.
- I usually use shredded pepper jack cheese-- other varieties I love for this breakfast casserole are mozzarella, smoked gouda, swiss, and cheddar.
Did you make a recipe?
Tag @sallysbakeblog on Instagram and hashtag it #sallysbakingaddiction.
Alright, here are the step-by-step visuals for you. Plus a few extra tips beyond the written recipe.
First, gather veggies like colorful peppers, mushrooms, and spinach. Like I mention above, you can use your favorite vegetables. I've done this with broccoli/peppers, kale/mushrooms, and spinach/zucchini. Try to stick to 3-4 cups veggies total. Cook the veggies down with a little garlic, onion, salt, and pepper. Those last 4 ingredients are where all the flavor comes from, so don't leave 'em out!
We like a little meat in the casserole, so I add sausage. Kristen usually uses turkey sausage, so go ahead and use that if you prefer. Instead of sausage, try using ground turkey, ground beef, or ground chicken instead. Or use ham– or cooked shredded chicken. (If you use cooked shredded chicken, you do not have to brown it.)
Vegetarians: You can leave out the meat. Just use some more veggies in its place!
I brown the sausage with some rosemary to give a little flavor. I looooove rosemary with sausage, but you can leave it out if you prefer. Or use another seasoning.
Cook down the veggies and brown the sausage in 1 giant skillet if that's easier for ya– I don't have a skillet quite large enough for it all so I did them side by side in separate pans.
Grab your favorite crusty bread and tear it into little pieces. The bread will be the bottom of the casserole– it soaks up some of the egg and gives the egg casserole texture. Otherwise, you'd just be eating a quiche of sorts.
I've been using gluten free bread for my sandwiches lately, so if you don't eat gluten– you can use your favorite GF variety. Or you can certainly use wheat, sourdough, white, rye, whatever. You'll need about 4 slices of bread.
Whisk the Eggland's Best eggs up with a little milk and cheese. Like the veggies and meat, use whatever cheese you like best. I've been using pepper jack cheese for its flavor but I've done everything from cheddar to smoked gouda and swiss. So, use your favorite.
Half of the egg mixture goes on top of the bread, then sausage and veggies, then the remaining egg mixture.
Once the Eggland's Best eggs are poured on top of it all, you can refrigerate the casserole overnight.
Wake up and all you have to do is throw it in the oven. When we visited Kristen, the morning was totally no-fuss; all she did was brew some coffee and cut up fresh fruit as the casserole cooked.
The crisp edges are my favorite part!
Here are some items I used to make today's recipe.
Skillet | Glass Mixing Bowls | Whisk | Wooden Spoon | Glass 9×13 Baking Dish
Have fun, great creative, eat the best breakfast around using Eggland's Best. ♥ Follow me on Instagram and tag #sallysbakingaddiction so I can see all the SBA recipes you make.
Eggland's Best provided me with eggs to bring you this recipe. All opinions are my own.
Some of the links above are affiliate links, which pay me a small commission for my referral at no extra cost to you! Thank you for supporting Sally's Baking Addiction.


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Friday, July 22, 2011
Beauty Trials!
I recently saw a commercial for their lip stain and am so curious if it really works. Have any of you tried it or do you have a lip stain that you recommend?
Don't forget to always check the Sephora Junkie Blog for tips, tricks and reviews on beauty products!
Mom, CC, and Nonie are all on their way to Nashville to get ready for the piggle pants 1st Birthday! I can't wait to have some baby sitters so i can finish the 12 million projects I have around this house!
I installed LION os X on my macbook today! I like it a lot so far. LOVE the email upgrades
- We got an offer on our house! More on that later, as you know nothing is ever certain in house selling world.
- 7 days till my bub-a-lubs turns 32!
Happy Friday!!
9 comments:
- Courtney said...
Girl! Thanks for the shout-out.
I am not loving the lip stain. The one I tried from Stila was like a permanent marker and I could NOT get it off. I mean, ok I know it's a STAIN so it's supposed to stay, but for real couldn't get it off for a day. And it dried my lips out. Let me know if this one works!
Happy early b-day to Peebs and E!!!
- July 22, 2011 10:54 AM
I, too, have been trying out mascara and not really happy with anything I tried, and at %18-25 a pop, it's a little annoying that nothing was working for me. I had a deep discount Ulta coupon for Maybelline Falsies mascara and I had never worn Maybelline before so I gave it a shot. I LOVED the way my lashes looked, but even with eye makeup remover it wouldn't come off my lashes without a pretty good fight. After a couple of weeks my lashes were wrecked and I had lost a lot of lashes. BUT....this week Ulta saved the day and I found an AWESOME new mascara by Cargo. YAY! And the new foundation I got makes my skin feel like silk!
Good luck in your search for new beauty products, I love changing up my routine.
- July 22, 2011 11:26 AM
- melissa said...
My all time favorite mascara is Maybelline Full N Soft. It's getting harder and harder to find - I'm so scared they'll discontinue it.
Have a great time with your family this weekend!
- July 22, 2011 11:28 AM
- Tiny Ocean said...
i wear Loreal Voluminous....it's alright, I guess. I'm very reluctant to try new things b/c i always seem disappointed...but i will def. try the one you suggested.
When is the big bday for piggle pants?
- July 22, 2011 2:30 PM
- Courtney said...
I use Lancome Hypnose Drama mascara and I LOVE it!
Exciting news about the offer on the house!
And I can't believe Fenn is almost one!!
- July 22, 2011 7:23 PM
- Anna said...
I'll definitely have to try that mascara. I feel like I try a different kind every time and am always disappointed. How hard can it be to make a good mascara???
Hope the party goes well! Can't believe it's been a year!
- July 22, 2011 8:57 PM
- Kelsey @ Seattle Smith's said...
I have never heard of lip stain!!
- July 24, 2011 11:25 PM
- grizaham said...
Bubs i think i am going to be 33.. Lost count though..
- July 25, 2011 12:31 PM
- Heather Anderson said...
I love all the MAC mascaras-amazing!
- July 28, 2011 7:53 PM

subset: commoncrawl


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Blue Letter Bible offers several daily devotional readings in order to help you refocus on Christ and the Gospel of His peace and righteousness.
Recognizing the value of consistent reflection upon the Word of God in order to refocus one's mind and heart upon Christ and His Gospel of peace, we provide several reading plans designed to cover the entire Bible in a year.
more correctly Chaldae'a, the ancient name of a country of Asia bordering on the Persian Gulf. Chaldea proper was the southern part of Babylonia, and is used in Scripture to signify that vast alluvial plain which has been formed by the deposits of the Euphrates and the Tigris. This extraordinary flat, unbroken except by the works of man, extends a distance of 400 miles along the course of the rivers, and is on an average about 100 miles in width. In addition to natural advantages these plains were nourished by a complicated system of canals, and vegetation flourished bountifully. It is said to be the only country in the world where wheat grows wild. Herodotus declared (i. 193). that grain commonly returned two hundred fold to the sower, and occasionally three hundred fold.
Cities.-Babylonia has long been celebrated for the number and antiquity of its cities. The most important of those which have been identified are Borsippa (Birs‐Nimrun) Sippara or Sepharvaim (Mosaib) Cutha (Ibrahim) Calneh (Niffer) Erech (Warka) Ur (Mugheir) Chilmad (Kalwadha) Larancha (Senkereh) Is (Hit) Durabe (Akkerkuf); but besides these there were a multitude of others, the sites of which have not been determined.
Present condition-This land, once so rich in corn and wine, is to‐day but a mass of mounds, "an arid waste; the dense population of former times is vanished, and no man dwells there." The Hebrew prophets applied the term "land of the Chaldeans" to all Babylonia and "Chaldeans" to all the subjects of the Babylonian empire.
The Blue Letter Bible ministry and the BLB Institute hold to the historical, conservative Christian faith, which includes a firm belief in the inerrancy of Scripture. Since the text and audio content provided by BLB represent a range of evangelical traditions, all of the ideas and principles conveyed in the resource materials are not necessarily affirmed, in total, by this ministry.
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Philadelphia, PA -- (SBWIRE) -- 10/18/2013 -- The Textile Pro™ program is a three phase training process that spans 6 months incorporating on-line basic textile training, in-person advanced "hands-on" skills training for Rugs, Upholstery & Fine Fabrics. JMS Carpet Cleaning is certified in keeping up to date with new techniques & systems for Carpet, Rug and Upholstery cleaning. JMS posesses expertise in fiber identification to cleaning method choice and chemical selection and more
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A spokesperson for JMS further elaborates, "People might be wondering how upholstery cleaning and home air quality are related. But they indeed are."
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The professional cleaners at JMS Enterprises ensure customers with a perfect upholstery cleaning – including the removal of allergens lurking in the unreachable parts of the furniture. "Our cleaners have years of field experience and ensures 100 percent job satisfaction", he adds, "They visit your home and first understand the work required on your upholstery and carpets. Upon the inspection, they provide you with the cheapest estimates. Just specify any spot or stain that has been the problem or any other cleaning issues with the upholstery." JMS Enterprises commits to deliver the best cleaning results to its clients.
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JMS Enterprises is a locally owned company and has been providing superior service since 1973. They are known as, "the" healthy home service provider, providing the art of healthy homes and work environments for over 37 years. All of their technicians are certified by the IICRC. They are thoroughly screened and background checks are performed on each technician. Each technician is bonded and brings to JMS Enterprises no less than 6 years' experience in carpet care. The proactive customer care section responds to emergency calls immediately day or night. JMS Enterprises prides itself on 'being there' for all of their customers.
For more information, please visit: http://www.jmscarpetcare.com
Phone: (PA) 215-874-0751 (NJ) 856-432-4401 Fax: 215-706-0272


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You can view the reports for a particular tests either:
- By clicking on any test in the experiments list
- By clicking the report tab and clicking on experiment.
The report page displays the test results in both a visual and a table format. You can choose a date range, and sort the report by different status (active, inactive, running etc.)


text: Hi everyone, I'm asking for people's opinion on choosing a bantam. I have never owned chickens before and have a small area so I have decided to go with a bantam but I'm not sure what breed . I also don't know whether to get them from a day old-week old or at laying point. This is more for the pet not the laying.


text:
Tom Hayden visited Columbia, South Carolina last weekend, speaking at a University of South Carolina symposium on 1960s and 1970s student activism, attending a baseball game with the University's President Harris Pastides and holding a discussion with us at the Unitarian-Universalist Congregation of Columbia on the wars in Iraq and Afghanistan. Hayden is now 70 years old but appears younger and more vigorous than most folks his age. In his interesting life he has been a California State Senator, Assemblyman, university professor, community organizer, and a crusader for environmental and animal rights.
Initially, his fame was acquired as one of the Chicago Eight (later known as the Chicago Seven) who were charged with conspiracy to incite a riot after a violent clash with National Guard troops brought in by Mayor Richard Daley to restore order outside the Democratic National Convention in the volatile year of 1968. The Chicago Eight were leading a protest against the continuation and escalation of the Vietnam War. Among the others charged were Bobby Seale, Abbie Hoffman and Jerry Rubin. In 1971, Hayden married Jane Fonda and they had a son, Troy Garrity, who also became a film star. Hayden and Fonda divorced in1990.
At the Unitarian-Universalist Congregation of Columbia Hayden said the "cold war" against communism has been replaced with a fifty year "long war" against terrorism in Pentagon parlance. Hayden contends that the "long war" is carrying out the strategy of al-Qaida because they want to over-extend the US military and exhaust the US economy. He said that peace activists should partner with organizations and groups of people who are suffering the most from budget cuts and explain to them what the wars are costing them. The wars in Iraq and Afghanistan have already cost US taxpayers 1.075 trillion dollars. Hayden accused Republicans of spending money on wars we cannot win and Democrats of going along out of fear of being labeled soft on terror in the "long war", which is reminiscent of a similar fear of being called soft on communism in the "cold war". Hayden said peace activists should contact South Carolina's Democratic Congressmen, Jim Clyburn, the House Democratic Whip, and John Spratt, Chair of the House Budget Committee, and ask them to hold hearings on the "long war", because such hearings would bring out what the wars will actually cost US taxpayers.
In a discussion that followed I wondered whether either Clyburn or Spratt would seriously challenge spending on the wars in Iraq and Afghanistan because military spending is sacrosanct in South Carolina. We probably have more military bases per capita than any other state.
The defense/weapons industry is also very strong in South Carolina and all over the country with companies strategically located in as many states and congressional districts as possible. Having lived in four Southern states in my 73 years, I've heard it said many times during a recession that we need a "good war" to get the economy going again. Laid-off folks can get a job in the defense industry or join the military.
Weapons makers and corporations exploiting the resources of conquered nations like the oil companies do in the continuing "long war" in the Middle East also are making out like the corporate bandits they really are. Such war profiteers and the banksters who finance it all appreciate a "good war".
The more the U.S. empire grows its global military might, the more money the suppliers of weapons/killing tools make as they sell them to both the U.S. government and governments threatened by the United States in the "long war". In the Middle East, the United States sells weapons to both sides in the even longer war pitting Israel against the Arabs.
Some folks in South Carolina love a "good war". In comments on-line following the article in the State newspaper in Columbia about Tom Hayden's visit one writer said, "This is unbelievable! Pastides (University of South Carolina's President) must have lost his mind!... this moron, who with Hanoi Jane was one of the ridiculous pro commie radicals of the 60's, allowed to promulgate their ridiculous moronic blather on students at USC! The board of trustees need to fire him immediately!"
Such comments are all too common in South Carolina where the "long war" is a "good war" and Tom Hayden and Hanoi Jane are commie radicals. How can any war with the killing of soldiers and innocent civilians and destruction of other living things be a "good war"?


text:
Darkest Waters
Golden Sword
This enchanted bastard sword is forged of a golden-hued alloy and glows faintly.
Forged of a mysterious alloy with a golden sheen, this bastard sword glows faintly and has a Divine aura about it. It has proven to be very effective against undead creatures, bursting into Radiant flames as it strikes them.
Pulled from the fallow muck of a cursed and blighted area in the Heldast Wood, this weapon seems to have once been wielded by a member of the house of Farthane. As Nithauk dragged it from the ground, the group was best by a wraith and a dozen zombies. Slaying the wraith freed a bound apparition which called itself Lord Kelthim Farthane. The apparition bid them return his possessions to his family if they yet lived, or to use the items in carrying out their own goodly deeds. It then faded away.


text:
1. a structure that has a roof and walls and stands more or less permanently in one place
- there was a three-story building on the corner
Similar word(s): edifice
Definition categories: man–made, construction, structure
2. the act of constructing something
- his hobby was the building of boats
Similar word(s): construction
Definition categories: act
3. the commercial activity involved in repairing old structures or constructing new ones
- workers in the building trades
Similar word(s): construction
Definition categories: act, business
4. the occupants of a building
- the entire building complained about the noise
Definition categories: group, assemblage, gathering
Sentences with building as a noun:
- The building of the bridge will be completed in a couple of weeks.
- My sister lives in that apartment building.
1. present participle of build


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Star Trek
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Star Trek is an American science fiction entertainment franchise which features in one of your great childhood memories in the middle 1900s.
Its overwhelming TV series includes the Original Series, the Animated Series, the Next Generation, Deep Space Nine, Voyager and Enterprise. Since 1967, hundreds of Star Trek books, comics, games and magazines have been generated. Star Trek boasts millions of fans from all over the world. Star Trek fever has been going on even after Star Trek was off the air about a decade ago.
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Attention, dear passengers. We are now flying to Star Trek Planet. Prepare your paypal and we hope you enjoy your shopping.


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The cultivation of generosity is essential to Buddhist practice. Giving opens and expands our hearts, allows us to go beyond our attachments, and dissolves the sense of separateness between ourselves and others, deepening our experience of joy. We invite you to enrich your practice by sharing your gifts with Dharma Treasure. You can give both through donations and selfless service.
Please contact us if you'd like to discuss other ways of giving, such as:
Dharma Treasure is the 501(c)(3) not-for-profit organization that supports the work of Upasaka Culadasa. It depends upon the contribution of time and talent by many dedicated volunteers. All of these gifts directly support the Dharma Treasure mission and enable Culadasa to continue his selfless service, sharing his deep understanding of the Dharma with everyone. With heartfelt joy, we thank you for your generosity.


text:
The study examined data from the National Weight Control Registry to determine whether the characteristics of individuals who have been successful in losing weight have changed between 1995 and 2004-a time during which low-carb diets have become the fad. The National Weight Control Registry contains information on individuals who have lost 30 pounds or more and kept the weight off for at least a year.
A team of researchers headed by Suzanne Phelan, a Brown Medical School psychologist, evaluated data from 2700 people who entered the registry between 1995 and 2004. (There were 2118 women and 584 men.) Using stepwise regression analysis, the researchers compared participants' diets to see if any type of diet made a difference in how much weight people lost and how much weight they regained.
Although successful dieters consumed the same amount of calories during this time period as previous dieters, the researchers found that the proportion of dieters consuming a low-carbohydrate diet (defined as fewer than 90 grams of carbohydrates daily) increased from 5.9% to 17.1%.
In addition, the daily percentage of dieters' calorie intake from fat increased from 23.8% to 29.3%, and daily intake of calories from carbohydrates decreased from 56.1% to 49%.
While the study found that both low-fat and low-carbohydrate diets worked equally well in helping people lose weight, the researchers also found that low-carb dieters tended to regain weight, compared with low-fat dieters. In fact, dieters' increases in the percentage of calories taken in from fat, and corresponding decreases in calories from carbohydrates, were related to weight regain, even after controlling for potential confounders. Not surprisingly, decreases in physical activity level were also related to weight regain.
The researchers concluded that only a minority of successful dieters consumed low carbohydrate diets and that "individuals who increased their fat intake over 1 year regained the most weight, suggesting that continued consumption of low fat diets is important to long-term success."
Several longer-term studies of low-carb and low-fat dieters are ongoing to help resolve the issue as to which approach is better.
- Reviewed by Zalman S. Agus, MD Emeritus Professor at the University of Pennsylvania School of Medicine
Primary Source
The North American Association for the Study of ObSource Reference: Phelan S, et al. Are the diets of successful weight losers changing? Abstract presented at the meeting of the North American Association for the Study of Obesity, 2004. November 15, 2004.


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How to Efficiently Manage Your Money
11/11/2011 7:00 am EST
Focus: MONEY MANAGEMENT
Tom Posey is a strong believer in efficient markets, keeping his clients in a mix of equity and bond funds. He tells MoneyShow.com about his view of using index funds tied to asset classes. He describes his philosophy of portfolio rebalancing, and offers his views on volatility and the euro.
Kate Stalter: Today, I'm on the phone with Tom Posey of Posey Capital Management. Tom, we have talked a couple of times in the past. The last time was early in the summer, and we discussed efficient markets and your view that indexing is the best way for individuals to take out the guesswork and eliminate attempts at market timing.
Of course, there has been a big sell-off since then, and a lot of volatility. Any adjustments to any of your client portfolios in light of all that?
Tom Posey: No, Kate, we still take the same view. You know, we do think that markets are efficient and unpredictable.
You saw, beginning in the fourth quarter…markets had been down substantially in the third quarter, and then surprising to everybody, they really dramatically picked up at the beginning of the fourth quarter.
I don't think anybody predicted that, and I don't think that general market movements can be predicted. So, it reinforces, really, my conviction that the best thing to do is just to have a well-diversified, intelligent portfolio and just stick with it.
- Also read: 6 Funds for Peace of Mind
Kate Stalter: Well you just brought up the idea of diversification. In previous market cycles, for example, emerging markets were a factor, but with so much market correlation lately, that has changed a bit. So it sounds like your thinking really hasn't changed, but have you done any kind of portfolio rebalancing in that regard?
Tom Posey: Yes, we did review all portfolios at almost the end of the third quarter, just in our usual process. Just go through all portfolios and rebalance, which generated some trades in portfolios to sell bonds and buy stocks while the stocks were down.
Which proved to be a good thing, of course, when stocks turned around at the beginning of the fourth quarter and went back up. So we did do just standard rebalancing on accounts that were out of balance…just the process we do every quarter.
Kate Stalter: So tell us, what are some of the funds that you are turning to these days? I have written about you before, that you see indexing as more than just getting into the SPY, for example. What are some funds that you like currently?
Tom Posey: DFA Funds are one; they are basically an old standby, Dimensional Funds. Those are funds that are actually not available to retail investors. They are only available to institutional investors and advisors like us.
Essentially, they are an enhanced index fund. Fundamentally, they follow indexes, that is, asset classes that are defined from the portfolio. Examples might be the US Core Fund (DFQTX), or the US Large Cap Value Fund (DFLVX), US small, emerging markets, foreign core, real estate, etc.
They will essentially contain those asset classes, but they have some additional features in the fund, where DFA uses scientific research to enhance returns, so it is a little bit of a hybrid.
In some asset classes, we use Vanguard funds which are excellent funds and which are available to retail investors. In particular, we use Vanguard in the real estate or REIT space [Like Vanguard REIT ETF (VNQ)—Editor.] and in some of our bond funds.
- Also read: Best Funds for the Long Haul
Kate Stalter: What is your thinking on bond funds vs. equity funds in this particular market, Tom?
Tom Posey: My view, Kate, is that bond and equity funds are part of our asset allocation, and bonds ought to be part of almost anybody's portfolio, as should equities. As I do with the equity portfolio, I view the overall asset allocation, the percentage of stocks and percentage of bonds to be an aspect of the portfolio that ought to be stable and ought to be targeted and then rebalanced.
An example is at the end of the third quarter, we discussed that stocks were down, so that was a good time to rebalance, which we do according to our process. We sold bonds, bought stocks, brought stocks up to their target percentage in the account, and of course, the fourth quarter comes along and stocks go up and you end up doing well. I'm glad I did that.
So it is not something we did because we are psychics of course, but it is just an example of how the process works.
Kate Stalter: What are some of the questions and concerns that your clients are coming to you with these days, Tom?
Tom Posey: You know, everybody is concerned about the markets, Kate. It is interesting to me that they are perceiving a ton of volatility in the markets, and yet, when you look at the markets historically on a monthly-returns basis, the fact is, the markets aren't any more volatile than they have been in typical periods in the past.
On a daily basis, there is some argument that the markets are more volatile. We have seen a lot of days like this, when the market is down significantly, or up significantly. But looking at monthly returns, volatility is really very similar to the past.
I think what happens is that people remember 2003 to 2007, when markets—as people fantasize about it—they think that was normal. But in fact, that was an unusually calm period of time. So anyway, when you look at the volatility we are seeing in the market, it really is either not unusual, or it is not that unusual.
Kate Stalter: Good perspective there. Let me just wrap up today. What would be your advice for the retail investor who is managing his or her own account? What should that person be doing right now?
Tom Posey: I really think, Kate, that a retail investor needs to carefully consider the expenses in their funds, needs to carefully consider the amount of risk that they are willing to take.
If they don't want stock risk, they need to be out of stocks and into bonds, and they need to keep on rebalancing. Even if markets look scary, I think they just need to establish a rebalancing pattern and then just stick with it.
I might toss in one more thing: Although I am such an efficient-market maven, I do have some thoughts that may be of interest on the subject of Europe. Everybody is concerned about Europe.
My own conviction is: I really think that the Eurozone probably is going to break up, and I have thought that for some time.
I really think the Eurozone should break up. I don't see enough economic glue between the members of the Eurozone to justify the existence of the Eurozone.
I think it makes a lot of sense to have a free trade zone in Europe, as that existed before the euro and before the Eurozone did. I think the free trade zone, which is beneficial for everybody, can continue to exist after the Eurozone disappears.
But I don't think that the end of the euro and the end of the Eurozone is necessarily the end of the world.
- Also read: The Eurozone Breakup Portfolio


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Summer Institutes
Taking Action: Acting Locally Linking Globally
Are you a K-16 educator interested in incorporating action into your course of study? Wanting to relate civic engagement to global competencies? Interested in the role of youth voice in the process? Curious about related readings that might foster empathy? Join educators steeped in these areas for an immersive experience in preparing students to become active in their communities and world.
Participants will...
Experience activities that are replicable in the classroom
Understand how to incorporate students into the development and implementation of action plans
Receive tools and templates
Develop an academically-aligned unit plan including rigorous assessments
Daily international lunches, field trips, related readings, and experiential activities included. Institute presenters include Maddy Wegner, Elizabeth Koenig, and Sue Root of the National Youth Leadership Council, Julie Bascom of Edina Schools, and Deborah Jane of the Institute for Global Studies. (There are a limited number of $750 stipends available for educators attending this institute and interested in adapting their African-related curriculum to include community action the following week, June 25-29, 2018 Taking Action Curriculum Development)
Taking Action Curriculum Development
The African Studies Initiative is pleased to announce a paid opportunity for experienced K-14 teachers working with African content who are attending the summer institute Taking Action: Acting Locally Linking GloballyJune 18-21, 2018. During the week following the summer institute, from June 25-29, those educators accepted to the program will work alongside other K-14 teachers and pre service teachers to develop African related curriculum linked with taking action.
Position Benefits
- Professional Experience - develop curriculum on African content for Institute for Global Studies web resource page
- Teach - share your global perspectives and experiences
- Paid position: earn stipend of $750
Position Requirements
- Must be a currently licensed teacher
- Must be eligible for employment
- Must develop curriculum with lesson plans linking African content and taking action
- Must be available from 9;00-4:30 from June 18-21 (must be registered for Taking Action: Acting Locally, Linking Globally summer institute) and June 25-29,2018 (during curriculum development institute).
Develop complete lessons and units containing African content and taking action steps which will be shared at Institute for Global Studies Educator Resources
Gender and Genocide: Uncovering Absent Narratives in Mass Violence and Human Rights Education
Madagascar Study Tour
See Boston University program flyer here with information about available stipends for educators coming from Minority Serving Institutions.
See trip information here.


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Here's a look back at Monday's numeric entry challenge question.
The square root of integer x is equal to the sum of the cubes of y and z. If the squares of y and z are each less than 10, what is the greatest possible value of x?
Answer and Explanation
This is a translation problem that is mighty difficult, but is not necessarily more difficult than something that may appear these days on the GRE. That's right: the GRE math is getting harder.
Speaking of difficulty level, the Brain Twisters are actually getting easier. Not by too much, mind you, but enough so that they are about at the same level of the most difficult problem on the GRE.
Now back to the problem. Let's translate the information:
√x = y^3 + z^3
y^2 < 10 z^2 < 10At this point, we are looking for the maximum value of 'x'. So if we assume that 'y' and 'z' equal √10, we will get a number that is one integer higher than the greatest possible value of 'x'.If y equals √10, then y^3 = 10√10. The same applies to z^3.So going back to the first equation (√x = y^3 + z^3), we get the following:√x = 10√10 + 10√10 √x = 20√10 (√x)^2 = (20√10)^2 x = 400x10 = 4,000Remember that when we assume that y and z are √10, we are using the lowest possible of y and z that is greater than their actual value. This is the upper bound. In other words, 'x' has to be less than 4,000. And the greatest integer less than 4,000 is 3,999. The answer.
Hope you enjoyed the challenge. 🙂 Check back in two weeks for another mind-bending Brain Twister!


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You will log hundreds of hours in your rocking chair feeding, shushing, singing and reading to your baby. Very similar to previously mentioned massage seats in the top 5, this massaging seat also reclines and swivels and includes an ottoman. Though ghe chan quy this caster is made for office chairs, they can be set up on gaming chairs as well. The Office Glider casters are made from Polyurethane material so that it won't scratch your floors.
Before you buy a gaming chair consider the size of your room as you do not want one that is going to be really loudly if you are living in a apartment. Massage seats are particularly good at combating back pain However, most complete body seats affect almost all areas of the human body. Chair producers are aware that the Japanese place the standard in product quality in order that they will make up quite Japanese-sounding brand names to get their massage chairs.
Somewhere between mid sized and high-end gambling chairs comes the notorious Ergohuman chair. The Office Star ProGrid FreeFlex might not be a gaming seat but it's a very comfortable chair to use when gambling! Below you can check a graph of the top 10 massage chairs and reduced under it a comparison chart of top 5 massage chairs at prices below $500.
You will notice a whole lot of variations with gaming chairs and the relaxation that you get out of them. We, therefore recommend the PC gaming seats as far as we recommend the x-rocker chair because the PC gaming seats have improved ergonomic features than the console gaming chairs. We'll also supply you with a quick summary of the best selections for every system if you are in a rush and you just want to see the best gaming seat and where to purchase it from.
Their massage chairs provide the company, smooth and sensible massage experience. Most of the cheaper massage chairs that you can find on the market today are equipped with vibrating elements only. With our massage seats reviews, you will be able to find the perfect unit to the money's worth.
Despite its distinction, this office chair is really quite comfortable to use even when gambling for hours. Massage chairs of today use a intricate mechanical strategy and a few inventors are introducing new methods employed in the massage chairs. At times the gaming chairs that sit you on the floor may tie your legs out since they'll help to encourage your weight somewhat.


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How will this election play in the media?
That is one of the intangibles in the upcoming election.
The current media narrative is not positive for the Liberals. After months of not mentioning the notion of a Conservative majority government, because the Conservatives were drifting in the other direction, many media pundits have resurrected the idea. Of course it is based on a couple of polls that suddenly show the Conservatives in the high 30 range after they had been sitting in the low 30s for more than six months. The media fails to mention why such a sudden change took place especially since nothing dramatic has happened in the last two weeks. Unless, of course you include more bad economic news in Ontario, an outbreak of a potentially deadly infection borne by tainted meat products, casualties climbing in the war in Afghanistan, Stephen Harper breaking his own fixed-elections law, and almost universal accounts that the Conservatives were about to take a beating in four by-elections. I am certain all of these events explain the sudden rise in Conservative fortunes being touted by the media.
My God, they must think Canadian are idiots.
So what can we expect for the election?
My guess is they will be on the lookout for any mistake by Mr. Dion or the Liberals so that they can hype it up while they will ignore or at least downplay any errors by Mr. Harper and the Conservatives. That mean the Liberals will have a great deal of pressure in them for the first couple of weeks. If they can get through the first couple of weeks relatively unscathed they will be in good shape.
The Liberals will have to hammer Stephen Harper while staying on message with regard to their platform. They will need to be disciplined. That does not mean Stephane Dion will have to muzzle his team. It does, however, mean that the Liberals will need to avoid another "Beer and Popcorn" moment, which was the most hyped moment in the 2006 election. How an off the cuff remark by a party apparatchik can become a three day story just demonstrates how bankrupt is our media. But I digress.
They will also have to realize that the media cares more about strategy than policy. So while they should be releasing their policies as the election goes on they will have to keep a close eye on their overall election strategy and that of the Conservatives.
Media narratives can change on a dime during elections.
- In 1984, the narrative was John Turner would win the election for the Liberals over the inexperienced Brian Mulroney.
- In 1993, the narrative was Kim Campbell would hang on to government over yesterday's man Jean Chretien.
- In 1997, the narrative was Jean Chretien would handily win another majority government.
- In 2000, the narrative was Jean Chretien would be reduced to a minority government.
- In 2004, the narrative was Stephen Harper, a bookish, policy wonk with zero charisma and leaderhship ratings more than 20 points behind Paul Martin would not stand much of a chance and the Liberals would hang on to their majority, just not the sweep that was expected when he became Prime Minister.
In all of these elections the narratives changed in mid-election because events overtook them.
The Liberals are in better shape that the media is letting on. They are well within striking distance of the Conservatives and as I stated in my previous post history has demonstrated that election campaigns are not kind to incumbents. The Liberals have as much chance of winning as the Conservatives and I would even state they have a better chance of winning a majority than the Conservatives. (See my previous post for why)
However, the Liberals have to understand that they will have to be prepared to deal with a hostile to ambivalent media as well as the other political parties.


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[Edited while I was in the Reno Airport]
Hey folks, quick update - I had more adventures. I got rerouted through [I wanted to write 'friendster' here earlier] orange county towards Reno. When I got there they didn't have it in their records that I had flew there. So I was asked by a TSA guy how I got through security. Well, long story short I got a private [also wanted to write 'dance' here] search in the middle of the airport. It was no big deal, but interesting nonetheless. The guy gave me a thorough search, checking everything, but he didn't look at my bag or coat at all? Weird. Anyways, everything went well here - I didn't win though. I am so glad to be done with the presentations. Now it is time to relax.
I'll write more later when I am not using a public computer. -Eric
Reno Redux [Things I added in the airport]
I had a lovely incident happen to me at my second talk, the professional one. The entire time that I was in Germany, I kept a Heidi Klum background on my computere. She is Germany and hot, so it makes sense. As I was leaving Germany and heading to Reno I changed my background to something more professionally appropriate. I have this awesome shot from the deep field imager, or something like that. Now, I've had this background up for a good week. I go to my second presentation and when I plug my computer in for the presentation, Bam - half naked Heidi Klum. They engineers got a good kick out of it. Fortunately it was a rather discreet black and white photo. Either way, a bit embarrassing, but oh well.
The talks went well. Dr. Flandro had a good talk too, but he went long. He just had too much stuff to talk about. Today I slept in late and that felt good. I have been going non-stop for a long time. I think it was two nights ago that I went bowling with the other student winners. It was a good group with good presentations. It is nice to see some other quality students around. So I kicked all there asses in bowling and then had a few drinks. That is the rule for me, I am good at all bar games (pool, darts, shuffleboard, etc.,) I think bowling counts as well. I was dead tired, so I was done pretty early.
The view from my hotel room. Reno is pretty nice. They got 8 feet of snow in Lake Tahoe (the reason I was stuck in Vegas.)
Today I ran into Dr. Vakili and hung out with him at the exhibitors area. It was nice chatting with him. Oh and I was hanging out with a group of Australians from RMIT, the Royal Melbourne Institute of Technology, last night. Their head guy asked me if I would like to do an internship there for 3 months, or whatever time I want. I would love to do that, and the similar language would be a welcomed change. So maybe soon I'll be in Australia for a bit. It would make for a new batch of continued blog posts.
Wednesday, January 09, 2008
[Edited while I was in the Reno Airport]
Posted by E.Jacob at 7:02 PM


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In the case of a violent conflict or a deadly natural disaster, the speed with which we respond to the crisis is crucial in our effort to save more lives. You can help us respond rapidly and efficiently when the next emergency occurs. Become a regular donor by selecting the amount you would like to donate every month and clicking "submit." Online monthly donations are processed via the PayPal platform.
Regardless of its size, your monthly contribution is invaluable to our patients. A monthly donation of €4 can provide 234 measles vaccines every year. Thank you!


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Nike Dart Mens Running Shoes
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Originally posted on Judith Kusel:
We are riding the wave of expansive cosmic rebirthing – the rebirth of Mother Earth. Rebirth follows the dying; the dissolving of the old and therefore the re-birth comes in the wake of what has been before, but now in a rejuvenated, shape and form. It is revitalized, reactivated. It…
The Shift in Vibrational Frequency Bands
Originally posted on Judith Kusel:


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Investment fraud is a sobering reality in British Columbia, with one quarter of citizens vulnerable according to a British Columbia Securities Commission poll.
The BCSC surveyed over 500 British Columbians in February to see what their reaction would be to an investment offering "no risk" and "guaranteed" 14-25 per cent returns. It's a claim designed to have several investment fraud warning signs, but 26 per cent of respondents said they'd look into the offer.
On top of this, 20 per cent of respondents said their reason for looking further into it would be because they needed the money, which makes them even more vulnerable.
"Investors should always be skeptical of anyone offering a risk free investment with an unusually high return, because there's no such thing," said Pamela McDonald, director of communications and education, BCSC. "We encourage investors to look carefully at every investment they make, but also to listen to your gut. If something doesn't make sense, or doesn't feel right, we encourage you to contact the BCSC."
According to the study, fraud vulnerability is high among young British Columbians, particularly women. Almost half of the 18-34 age group of women surveyed said they would look into the fake offer, as opposed to only 35 per cent in the same group.
Older age groups, on the other hand, have decreased their susceptibility as compared to a 2012 study, dropping from 26 to 13 per cent interested in the offer.
"We're launching our 2018 Fraud Prevention Month campaign today to help investors recognize fraud and stop scams from spreading. This new survey provides a useful snapshot of how many British Columbians are still vulnerable," McDonald said. "By being able to recognize and reject investment fraud, you could also be protecting your friends and family."
For more information from the BCSC on fraud, visit their website.


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Clover mites, or Bryobia praetiosa Koch, are relatives of ticks and spiders. Clover mites are easily recognizable because they are reddish-green and have long front legs. Thousands can appear in the fall or spring, and they obtain nutrients by sucking on plants to draw out juices. The mites usually prefer grasses and clovers but also eat shrubs and trees. Chemical applications can control clover mite infestations. In many cases, however, you'll have to apply the chemical twice to get rid of clover mites on outdoor plants.
Fill a large shaker bottle with a powder form of boric acid. Take care not to spill the acid outside the bottle or get any on your skin. Do not get the powder acid or bottle wet.
Hold the shaker bottle over the infected outside plants. Shake the dry boric acid directly on top of the clover mites. Make sure it is a windless and dry day or the powder will fly all over. Get the boric acid on as many clover mites as you can.
Wait for three days and inspect the outside plants. If there are still a lot of adult clover mites on the plants, then you know the boric acid did not work. If most of the infestation is gone or only new mites seem to be present on the plants, reapply the boric acid.
Use a bug spray containing malathion if the boric acid powder is not successful. Wear a face mask and gloves as protection and apply the spray according to the label's instructions.
Reapply the bug spray three days later to kill newly hatched clover mites. Wait one week and inspect the plants. If there are still clover mites, spray the plants with malathion once again.


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A friend of mine has just launched a new online shopping store and targeting to become Kuwait's premium online shopping mall for electronics. Their mission is to provide a safe, secure and easy location to satisfy all electronic, gadget and geeky needs!
Electroniya.com has a huge line of electronics such as TV's, Kitchen Appliances, Sound Systems, Computers and Accessories, Gadgets and MORE!!
You can reach them by:
Email: firstname.lastname@example.com
Phone: +965-22-92-1314
Website: www.electroniya.com


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Sobre nuestra Joyera
Why You Should Buy Your Jewelry from a Jewelry Shop
There are many beautiful things that we do associate ourselves with and one of them is the jewelry. Jewelry is very important to anyone and more so to the women as it helps to complete the whole beauty and the shine that you have. There are many types of jewelry that you can buy either as a woman or a man so that you can be able to get the perfect appearance that you want. Jewelry is also one of the ways to express yourself as well as the class that you have as there are many types of the jewelry and the quality that you can choose from depending on your tastes and also the cost. Buying jewelry is something important and therefore it is important that you buy the jewelry from a recognized shop so as to avoid the scam and other related problems. The following are the reasons as to why you should buy your jewelry form a jewelry shop. see more at
Buying the jewelry from a jewelry shop will present you with the options and the varieties that you can buy from, most of the best jewelry shops will have a wide range of jewelry varieties that you can choose from and also the compare so as to get the one that will be able to suit you the best. The quality of the jewelry is one of the things that would make you shop the jewelry at a jewelry shop, there are a lot of scams that you will find when you are buying the jewelry and there is a possibility that you will get the fake and poor quality on the streets, since the shop will be there for a long time the owner will ensure to sell the best quality so that the customers will always get the best quality and also come back once again.
The price is another thing that would make you shop for your jewelry at a jewelry recognized shop, most of the shops will be competing and therefore you will be able to get the best price for the best quality jewelry. If you want to get the best jewelry that you need you can only get it from the jewelry shop since some of the jewelry is very expensive and therefore they can only be sold by the shops and not in the streets. The jewelry stores have the necessary credentials such as the licenses that will prove that whatever they are selling is legally accepted and of the right quality and therefore if you buy from the shop you will have the confidence that you have the best jewelry item that you need.
Jorge Juan Joyeros


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The 12th annual Pistons Academy Rookie Camp in Birmingham tipped off today with 36 campers at the Bingham Farms location working very hard. "Lots of energy today," said Director Geo Thomas, "Energy to play but also energy to learn. I am looking forward to see what Tuesday brings!"
Several players made a name for themselves both on and off the court. Here are a few that coaches noted!
AMIR H: Amir is a 4th grader from the Bingham farms School and was seen working very hard at the skill stations this morning. "He is a very good leader and interacts well with his teammates," said Coach Bryan Bollin, "He worked really hard today which will pay off later in the week." Amir likes to bowl, play outside and wants to either be President of the USA or play in the NBA when he gets older. Nice job Amir!
ZACK K: "Zack worked extra hard at my skill stations today," Coachj Bryce said after camp, "He listened and absporbed all the information really well." Zack worked exceptionally hard on defense. "I have learned how to position my shoulders on defense at camp today, " said Zack, "It really helped me lock down people when we played 5-on-5 games today." Zack is a 3rd grader from Pierce Elementary who likes playing both basketball and baseball.
LUKE T: Luke is a 2nd grader who also attends Bingham Farms Elementary. "Luke makes it his job to pass to everyone," said his coach Ian Berlin, "He also is making great eye contact so I know he is listening." Luke also has amazing hustle as he was seen divisng for loose balls all day at camp.
TAILIA B: As the only girl in camp today, Talia made a name for herself with her positive attitide and work ethic. "Tailia is easily one of the coolest kids in camp," said her coach Bethany Mac, "She is a hard worker who doesn't let anyone push her around on the court. I love her attitude!" Talia is a 3rd grader representing the Farbur Hebrew Day School.
ISAIAH C: Isaiah had a great day at camp and truly seemed to be enjoying himself. "He is a hard worker who hustles, looks to pass before he shoots," said his coach Jake Thomas, "I love the way he plays." Isaiah admires all athletes and really doesn't have a favorite. He loves Cool-Blue Gatorade and enjoys playing outside whenever he can! He is a 2nd grader from Bingham Farms.
IMPOSSIBLE QUESTION: Coach Geo talked about defensive pride today and how the Pistons have a long tradition of amazing defensive players. Can you name at least one of the four players he talked about today? If you know the answer, write it down on a 3×5 piece of paper and turn it in to Coach Bethany at check-in on Tuesday. Correct answers will go into a raffle for some cool Pistons prizes! Be sure to write your name on it!


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Grab a pumpkin spice latte and read on to discover this Falls must have blushes for the perfect Fall look!
NARS Seduction – Sangria Blush
This blush color may look bold, because it is. But when applied with a light enough hand, the color is amazing. Like most NARS blushes, there is a shimmer to this which is usually strayed away from in the winter months. But it's a great switch up from your typical matte Fall look!
Too Faced Love Hangover – perfect warm pink
Too Faced makes wonderfully pigmented products, blush included. Because of the strong pigmentation, be wary of how hard you apply. You want to use a lighter hand. This color, Love Hanger, is a great light pink Fall color.
Sephora Blush in color 16 Heated – intense old rose
The most affordable on this list, the Sephora blush collection offers great quality for $14. In all honesty, this blush is less pigmented than the others. But the positive in that is that it can appear more natural. I often recommend this line for makeup beginners since it is a bit more forgiving due to the lesser pigmentation.


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A gas-rich AGN near the centre of a galaxy cluster at z ~ 1.4 [PDF]V. Casasola, L. Magrini, F. Combes, A. Mignano, E. Sani, R. Paladino, F. Fontani
The formation of first virialized structures in overdensities dates back to ~9 Gyr ago, i.e., in the redshift range z ~ 1.4 - 1.6. At that epoch, some models of structure formation predict that the star formation activity in clusters was high, implying large reservoirs of cold molecular gas. Aiming at finding a trace of such expected high molecular gas content in primeval clusters, we searched for the 12CO(2-1) line emission in the most luminous active galactic nucleus (AGN) of the cluster around the radio galaxy 7C 1756+6520 at z ~ 1.4, one of the farthest spectroscopic confirmed clusters. This AGN, called AGN.1317, is located in the neighborhood of the central radio galaxy at a projected distance of ~780 kpc. The IRAM Plateau de Bure Interferometer was used to investigate the molecular gas quantity in AGN.1317, observing the 12CO(2-1) emission line. We detect CO emission in an AGN belonging to a galaxy cluster at z ~ 1.4. We measured a molecular gas mass of 1.1 x 10^10 Msun, comparable to that found in submillimeter galaxies. In optical images, AGN.1317 does not seem to be part of a galaxy interaction or merger.We also derived the nearly instantaneous SFR from Halpha flux obtaining SFR~65 Msun/yr. This suggests that AGN.1317 is actively forming stars and would exhaust its reservoir of cold gas in ~0.2-1.0 Gyr.View original: http://arxiv.org/abs/1307.4576


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Very honestly, I believe that more insurance agency folks are than they realize.
What is the "presumption" that I am referring to? This is where you (the agency staff) believe that you know what coverages the client needs or what limits are appropriate. For example, let's presume that your client (personal or commercial) has a $5mil umbrella. At renewal time, are you providing them with options for higher limits or does your proposal state "higher limits may be available"? Or are you presuming that $5mil is more than sufficient for this client?
Over the years, I have had agency staff make comments such as the following:
– "I didn't offer them an umbrella – I didn't think they could afford it".
– "the client asked me if $5mil was enough and I advised them that $5mil was more than most clients carry".
– "the client told me that they were told they should have higher limits. I advised them that they were good with what they had".
All the above deal with umbrella but the same could be said for virtually any line of business, personal or commercial.
Are you guilty of presuming? When you presume, you are essentially telling the client that you know them as well as they know themselves. When a loss occurs and the loss is not fully or even partially covered, the client is going to be coming after you for "poor advice". The truth is that they will probably have a case against you based on your verbal or written comments.
It is important to remember that agents can be held accountable for what they say and what they put in writing. So, if you (for example) don't provide contents coverage for a client's vacation home (this is a true story) because you don't think they would buy it and they have a loss and there is no contents coverage, your agency may not have much of a defense.
The appropriate "best practices approach" is to offer the coverage / higher limit options and let the client decide. I call this "customer accountability" and this should be an objective of every agency.
Everyone knows what happens when you "assume". Well, I can tell you that "presuming" is not much better.


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Oklahoma Beta's History
Oklahoma Beta was first chartered at then Oklahoma A&M in December of 1946 with 42 members. The 1st House was at 901 University, until 1962 when the current members traded with ΑΧΩ (Alpha Chi Omega) to get to the current location of 224 N Monroe. OK Beta went through many cycles of great men, winning various homecoming events, and outstanding academics/athletics.
Recently, the chapter has gone through a rebuilding era to reclaim their stake as one of the top houses, after losing their charter. October 2, 2016 they recolonized and on March 10th, 2018 were officially rechartered.
The Chapter House
The house is located at 224 S Monroe St; less than a 5 minute walk from Theta Pond or the Student Union. Renovations took place over Spring of 2017, and was move-in-ready by Fall 2017.
House Includes:
– Premium food service area with coffee bar
– IT/Tech rooms
– Multiple, dedicated study rooms
– Museum/Legacy room
– Social space/Media Rooms on multiple levels
– Capacity between 70 – 80 men
–Maximized "Educational Space" within each bedroom
–Maximized outdoor areas for interactivity, recruitment, brand identity


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Website Visitors
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Gathering of Personally-Identifying Information
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Contact Us
Pools are meant to be enjoyed and admired.
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os = windows xp (home, sp3)
Periodically I start the computer in safe mode logging in as the adminstrator and also as the user. I allow hidden files to be seen and then manually clear out all my cookies, temp and temp internet files. However there are some cookies that refuse to go. Typically they are from SB Nation, a sports blogger community. It's a legit site but wanted to know if there is a vulnerablity or why these cookies won't delete. And I don't get the "could not delete because other program is using ...blah,blah,blah" message. In fact when the Warning "are you sure you wnat to delete these ...." box pops up usually the number of things selected is noted but not in this case....When I hit okay nothing happens.


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339 F.2d 605
H. T. MAHONEY, Plaintiff-Appellant
UNITED STATES of America, Defendant-Appellee.
Ruby Thelma Loftis PIERCE, etc., Plaintiff-Appellant
UNITED STATES of America, Defendant-Appellee.
Nos. 15819, 15820.
United States Court of Appeals Sixth Circuit.
Dec. 17, 1964.
H. Calvin Walter, Knoxville, Tenn., Walter, Gilbertson & Claiborne, Knoxville, Tenn., of counsel, for appellants.
J. F. Bishop, Department of Justice, Washington, D.C., John W. Douglas, Asst. Atty. Gen., Morton Hollander, Dept. of Justice, Washington, D.C., John H. Reddy, U.S. Atty., Knoxville, Tenn., on brief, for appellee.
Before WEICK, Chief Judge, PHILLIPS, Circuit Judge, and McALLISTER, Senior Circuit Judge.
These appeals came on to be heard and were submitted to the Court on oral arguments, briefs and records.
The issues raised are largely factual in nature and received careful consideration in the District Court. We think there was substantial evidence to support the findings of fact of the District Judge and they are not clearly erroneous.
The judgment of the District Court will be affirmed for the reasons and upon the ground set forth in the excellent opinion of Chief Judge Robert L. Taylor, reported in 220 F.Supp. 823.


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Close-up magic is an intimate, interactive and unobtrusive way to entertain ANY audience at ANY event. It is the perfect ice-breaker and talking point which will help to create the perfect atmosphere. Equally appealing to young and old, it cuts across language barriers and is fully adaptable to all venues and most conditions. Cabaret style performances are also available to round off your event in style.
Using minimal props, playing cards, coins, banknotes, rubber bands, rings and other everyday objects, close-up magic is presented while mingling with guests during drinks receptions and around tables during lunches or dinners. Anthony is one of only a few magicians you will see performing in shirt sleeves or short sleeves making it even harder for him to cheat! Mind-reading and ESP demonstrations are also included and spectators are involved throughout. Anthony's friendly approach will quickly establish great audience rapport, achieving maximum impact and will give guests an experience which is astounding, fun and unforgettable...
Blending sleight of hand with a friendly, stylish and humorous delivery, Anthony has amazed and amused thousands of people for a wide spectrum of private and corporate clients. He has entertained members of royal families, government ministers, ambassadors a whole host of celebrities including Chris Tarrant, Glenn Hoddle, Sir Jackie Stewart, Jesus Christ (well actor, Robert Powell anyway), Uri Geller, Alan Titchmarsh, Greg Dyke, Bear Grylls, Clare Balding and Thunderbirds creator, Sir Gerry Anderson. He maintains an impressive rate of repeat bookings and is frequently adding to and varying his repertoire to ensure that there is always something new to enjoy.


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Allen Russell Pike
Jul 9, 1942 – Jul 28, 2017
Allen Russell Pike, age 75, passed away on July 28th, 2017 surrounded by family and friends. Allen was born in Boston, Massachusetts on July 9th, 1942 to Wesley and Gladys Pike.
Allen married Sharon Stewart and raised a family in the Burien area. Allen was an avid gardener spending many hours in the backyard. He loved his wife, family, friends, and garden. Allen was a thoughtful and caring man, a dedicated husband, father, son, and friend. Allen is cherished and will forever be missed by all who knew him.
Allen is survived by his wife, Sharon, daughters, Cindy, Tanya, and Michelle, grandchildren, Russell, Brittany, Diamond, and Azias.
Stacy Reid
Tukwila, WA
Aug 14, 2017
Mr. Pike and his wife are treasured customers and I was so sad to learn of his fall and later passing. I will always remember one of the last times I assisted him he told me how pleasant and professional I always was. He was a dear, sweet man and we miss him already. Blessings to Sharon and all of Allen's friends and family.
Michelle pike
Burien, Wa
Aug 6, 2017
Will be missed but never forgotten
This obituary is provided by Bonney-Watson, providing caring and compassionate funeral, cremation and cemetery services since 1868. We have a professional staff, four funeral homes, two cremation facilities and one of the largest cemeteries south of Seattle, as well as a comprehensive grief support program.


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Streaming videos about the Thirteen Postures of Tai Chi Chuan. First you will learn the Eight Moving Patterns, or
Postures, known as Peng, Lu, Ji, An, Cai, Lie, Zhou, and Kao. Then, the Five Steps: forward, backward, left, right, and
Tai Chi Chuan is a slow and relaxed moving meditation. Through practicing Tai Chi you are able to calm down the mind, locate your spiritual center, and consequently find your entire being. From the relaxed moving exercise, you can bring your physical body into an ultimate level of relaxation and natural ease, resulting in smooth Qi (inner energy) and blood circulation. This is a key to maintaining health and recovering from sickness.
Today, most people practice Tai Chi slowly to develop their balance, strength, and vitality, and the martial applications of the art are often ignored. Originally, Tai Chi Chuan was an ancient internal Chinese martial art, 'Grand Ultimate Fist'; a highly effective form of combat specializing in short and middle-range fighting.
In China, t'ai chi ch'uan is categorized under the Wudang grouping of Chinese martial arts, which are applied with internal power (jing), using Qi (energy). The history of the basic postures in the Yang form can be traced back through Wudang mountain to Shaolin Temple, developed from a series of movements originating from "Chang Quan" (Long Fist, a reference to the winding Long River, another name for the Yangtze). Around 800 AD, a philosopher named Xu, Xuan-Ping is credited for developing a long Kung Fu of 37 forms, which included these common Tai Chi movements:
• Play the Guitar
• Single Whip
• Step Up to Seven Stars
• Jade Lady Works the Shuttles
• High Pat on Horse
• Phoenix Flaps Its Wings
"Taiji Chang Quan" existed in many variations, and eventually evolved into Taijiquan. Other forms of the same era such as "Heavenly-Inborn Style", "Nine Small Heavens", and "Acquired Kung Fu" also show similarities to what later became Taijiquan. The principles of softness, sticking, adhering, and using the opponent's own momentum against himself were established in these precursory martial styles. Bodhidharma's teaching at the Buddhist Shaolin Temple around 550AD, which detailed the theory of using the mind to lead the Qi to energize the physical body, is widely considered the origin of all Internal Martial Arts, including Tai Chi.
Dr. Yang's tai chi can be traced back to the Yang family through Grandmaster Kao, Tao (高濤) and his teacher Yue, Huanzhi (樂奐之), an indoor disciple of Yang, Chengfu (楊澄甫).
Thank you for downloading our app! We are striving to make the best possible video apps available.
The team at YMAA Publication Center, Inc.
(Yang's Martial Arts Association)
CONTACT: firstname.lastname@example.com
VISIT: www.YMAA.com
WATCH: www.YouTube.com/ymaa
|Tai Chi 13 Postures
|Tai Chi Sword for Beginners
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|Introduction to Qi Gong
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|Tai Chi for Women
|Acupressure Massage Qigong
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|Facing Violence / Rory Miller
|Tai Chi Fit TO GO
|Tai Chi Fit OVER 50
|Beginner Qigong for Women 2 (YMAA)
|Beginner Qigong for Women 1 (YMAA)/
|Tai Chi Fit FLOW
|Tai Chi Fit STRENGTH
|Meridian Qigong Exercises


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"A day of Silence
Can be a pilgrimage in itself.
A day of Silence
Can help you listen
To the Soul play
Its marvellous lute and drum.
Is not most talking
A crazed defence of a crumbling fort?
I thought we came here
To surrender in Silence,
To yield to Light and Happiness,
To Dance within
In celebration of Love's Victory!"
Renderings of Hafiz: by Daniel Ladinsky.
Imbratisare de Natura, imbratisare de sapun, ca semn al triumfului Iubirii!


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David Washington Culpepper Jr.
Male, #41411, (14 May 1928 - 25 Feb 1999)
|David Washington Culpepper (21 Jun 1902 - Mar 1978)
|Jessie Ophelia Sampley (20 Jan 1901 - Feb 1995)
|14 May 1928
|David was born at DeKalb Co., Alabama, on 14 May 1928.1,2
|1940 Census
|1 Apr 1940
|David was listed as a son in David Washington Culpepper's household on the 1940 Census at New Organ, DeKalb Co., Alabama.2
|Korean War*
|between 1950 and 1951
|He served in the Korean War between 1950 and 1951.3
|Death of Father
|Mar 1978
|His father David Washington Culpepper died in Mar 1978 at Fort Payne, DeKalb Co., Alabama.1
|Death of Mother
|Feb 1995
|His mother Jessie Ophelia Sampley died in Feb 1995 at Fort Payne, DeKalb Co., Alabama.1
|25 Feb 1999
|He died at Austell, Cobb Co., Georgia, on 25 Feb 1999 at age 70.1,4
|27 Feb 1999
|His body was interred on 27 Feb 1999 at Fischer Cemetery, Cobb Co., Georgia.4
|27 Feb 1999
|Services for David Washington Culpepper Jr., 70, of 960 Cherokee County Road 112 will be today (Saturday, 27 Feb 1999) at 2 p.m. at Perry Funeral Home with Dr. Thomas Johnston officiating. Burial will be in Fischer Cemetery. Perry Funeral Home is in charge of arrangements. Mr. Culpepper died Thursday in Austell, Ga. Survivors include his wife, Eloise Jackson Culpepper; a daughter, Donna (Culpepper) Goss of Marietta, Ga; two sons, David Culpepper of Marietta and Ronald Culpepper of Cedartown, Ga; a sister, Glenna Mae (Culpepper) Fischer of Chattanooga, Tenn; two brothers, James Culpepper and Ray Culpepper, both of Marietta; four grandchildren; a great grandchild; and several nieces and nephews. Memorials may be made to the Leukemia Society, the Fischer Cemetery Fund or the family will accept flowers.4
|Willie Eloise Jackson
|Benjamin (son of Joseph) Culpepper of Edgecombe Co., NC: Descendant Chart
|Last Edited
|16 Jun 2013
- U.S. Social Security Administration, compiler, Social Security Death Index (SSDI), Online database at Ancestry.com.
- 1940 (16th) US Census, compiled by the US Bureau of the Census, Washington, D.C.: National Archives and Records Administration, 1940. T627, 4,643 rolls., Online database at Ancestry.com.
New Organ, DeKalb Co., Alabama; Roll: T627_27; Page: 1A; Enumeration District: 25-43, Lines 16-22, All had same residence in 1935
Dave Culpepper, Head, M, Wh, 37, md, 6th grade edu, AL, Farmer
Jessie Culpepper, Wife, F, Wh, 38, md, 2nd yr HS edu, AL, cotton mill worker
Cleus May Culpepper, Dau, F, Wh, 13, sng,
David Culpepper, Son, M, Wh, 12, sng
James Culpepper, Son, M, Wh, 10, sng
Gleason Ray Culpepper, Son, M, Wh, 4, sng
H M Culpeppe, Father, M, Wh, 72, md, unemployed.
- E-mail written Dec 2009 to Culpepper Connections from Donna Culpepper Goss Frenkel (#41417), e-mail address.
- The Anniston Star, Anniston, AL.
Obituary for David Washington Culpepper, Jr., 27 Feb 1999.


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Now YouTube Against Copyright
This week YouTube has restricted the maximum upload time of the videos to 10 minutes, along with the previous restriction of the maximum file size to be 100MB, to restrict videos which violate copyright laws.
This change won't impact the vast majority of our users. We know that over 99% of videos uploaded are already under 10 mins, and we also know that most of our users only watch videos that are under about 3 minutes in length.
YouTube says that they are trying to balance the rights of copyright owners with the rights of our users. Quite simply I guess, prevention against silly lawsuits is always a good thing.
(link: YouTube)
Tagged Technology, Copyright, YouTube


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Plus Size Cowl Neck Mini Tight Dress - 4x
Size L 1X 2X 3X 4X 5X Size Guide
Fit US Size:14,Bust:40.16,Waist:36.22,Length:34.25,Shoulder Width:15.75,Sleeve Width:13.98,Sleeve Length:24.61.(In inches) Fit US Size:16,Bust:42.52,Waist:38.58,Length:34.65,Shoulder Width:16.34,Sleeve Width:14.45,Sleeve Length:24.8.(In inches) Fit US Size:18,Bust:44.88,Waist:40.94,Length:35.04,Shoulder Width:16.93,Sleeve Width:14.92,Sleeve Length:25.(In inches) Fit US Size:20,Bust:47.24,Waist:43.31,Length:35.43,Shoulder Width:17.52,Sleeve Width:15.39,Sleeve Length:25.2.(In inches) Fit US Size:22,Bust:49.61,Waist:45.67,Length:35.83,Shoulder Width:18.11,Sleeve Width:15.87,Sleeve Length:25.39.(In inches) Fit US Size:24,Bust:51.97,Waist:48.03,Length:36.22,Shoulder Width:18.7,Sleeve Width:16.34,Sleeve Length:25.59.(In inches)
Processing Time: Your item will be shipped out within 3 business days.
- Buyer protection|Learn More >>
- 30 Day Returns Guarantee
- Full or partial refund if the item is not as described
- Full refund for damaged items
Material: Cotton,Polyester,Polyurethane
Silhouette: Bodycon
Dresses Length: Mini
Neckline: Cowl Neck
Sleeve Length: Long Sleeves
Pattern Type: Solid
With Belt: No
Season: Fall,Spring
Weight: 0.6760kg
Package Contents: 1 x Dress
- Receiving time = Processing time + Shipping time
- Priority Direct Mail: 7-15 bussiness days
- Standard Shipping: 7-25 bussiness days
- Expedited Shipping: 3-7 bussiness days
Our Guarantee: 30 Day Returns or Exchange guarantee from the delivered date.
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text:
Trouble Lurks Beneath the Surface in Margo Selski's Utopic Paintings
Merging the styles of Old Flemish masterpieces, 19th-century society, and inspirations from her own Southern Gothic upbringing, Selski creates paintings that tell wistful and imaginative narratives. In her new series, "A Curious and Wonderful Bewilderment," she features heroines clad in sumptuous Elizabethan robes and with long braids swinging, into precarious and odd situations. These characters loosely resemble classical fairytale protagonists such as Rapunzel, Little Red Riding Hood, and Alice from Alice in Wonderland, although some figures, such as the androgenous Theo from The Daughters of Atlantis, Passing the Torch (2013), are contemporary creations. Selski juxtaposes steampunk props with Victorian sensibilities, inserting gas masks, egg cyclones, and other contraptions to heighten the sense of uneasiness within her work.
To give her paintings an antique look, Selski applies a layer of beeswax to the paintings, scratches at the surface, and then fills the cracks with paint, thereby producing a craquelure effect. She keeps the color palette muted with grays and light blues and frequently employs floral patterns to further the Victorian aesthetic. She has said that she uses these hues intentionally to develop an initial sense of calmness around her work, only later to expose the strange tales that lurk beneath the surface. Selski wants the viewer to interpret the pieces through their subjective experiences.
"I create a theatre and people it with an ornate cast: queens, mothers, children, predators, prey, florae, faunae," the artist has said. "They live in airless, still places where each creature knows whom she should love or hate. I wish they could be kept in these poses. But then, the balances become uncertain. Relationships become inverted. Mothers become children. Children become empty eggs. Princesses become wolves. Eggs, children, families, all start to divide and become something unrecognizable. Soon, no one knows how they should think or feel. My sparkling utopia becomes unstable."
In Selski's fanciful universe, characters exist in the ambiguous spaces between past and present, good and evil, and imagination and reality. It is perhaps this uncertainty that makes her paintings both intriguing and unnerving.
"A Curious and Wonderful Bewilderment" is on view at RJD Gallery, Sag Harbor, Feb. 14–Mar. 14, 2015.
Sponsored by Hermès


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I'd like to keep this short and to the point without any emotional decorations. Professional Academic Education - The most important element that defines our self-esteem, self-confidence, self-worth and social worth. That for which we spend lakhs of rupees, more than a few decades and endure large amounts of stress at times. It is this very education that helps us earn our living and the luxuries that determine our social respect. And yet, as parents we have never really bothered to look into the rapidly diminishing factor that is critical to shaping the very character of our kids. We have failed to notice the threat this system is causing to our society. Today, many parents find a significant disconnect with their young. They try to use the same tactics that their parents used on them, which are now completely outdated. It is like they are trying to fight a Trojan virus today, with the first version of Kaspersky released in 1997 . Due to this disconnect, those with malicious intent have found easy targets in our kids. Those who are losing a sense of belonging at home, in friends circles - it's just about blind academic competition & failure shaming and there are no social circles left anymore (I do not consider online platform as social). We have our kids losing their way into alcohol, drugs, crime, blue whale and the list goes on. From my younger days, I have been courageous. I'd like to meet my challenges and threats in the eye and destroy my risks with sheer willpower and tactics. I share this about me to press upon you what it will take for you to accept the vulnerabilities you and your young will face in the coming years. Academic competition will get more intense, social structure is already 40% destroyed, crime is going up at a reasonably good pace and......We are completely in denial of this situation. Our physical, mental, professional, financial and personal security has never been threatened at such levels every before. We are attacked physically, emotionally, financially, virtually and professionally on a regular basis and we still have no clue of what security really means and why it has become critical for us to learn the subject for our own safety. The best time to plant a tree was 20 yrs back. The next best time is NOW. The best time to learn security as a subject was when you were in college. The next best time is NOW. Not for us but for our kids to understand and re-engineer the current threats and vulnerabilities they have. I'd like to hear from all the parents in here. What have been your vulnerable times ? Share, so we can fix it together. Hide it so it can destroy your peace. Cheers ! Chakradhari Rowe
Thanks for your thoughts. I think a good place to start the fix, is to define the elements of personal security we can address, so that we are all on the same page. Building parent and child resilience seems to be the way forward.


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Hello and thanks for stopping by today! When a friend is troubled, many people often reach for a card to send in support. Being able to convey a heartfelt message is key and I'm happy to send this Sending Hugs card.
Sending Hugs card
I'm crafting with the CAS Colors & Sketches Challenge this week, with these amazing colors. CLICK HERE to visit now.
Design Details
measurements for this project
Whisper White Thick card stock card base: 4 1/4″ x 4 1/4″
Whisper White Thick card stock panel: 4″ x 5 1/4″
Whisper White Thick & Glossy White Paper card stock scraps
All products used are available in my Online Store
Petal Palette Bundle
Here's an interesting fact: I have created more projects this season with the Petal Palette Bundle than any other product. Hands down, it's my go to bundle. There is so much potential in this one little package. Actually, it's two full stamp sets! And I'm using them all. Stay tuned for more projects with the Petal Palette Bundle. It's currently 10% off in my online store but this sale will end when the catalog retires soon. Don't miss the saving!
The sentiments in Petal Palette are great for a stacked placement or to place horizontal. I chose to cut apart and stack this sentiment as not to block the colored area. Getting that nicely colored ink blended background helps create the perfect mood.
Ink Blended Background
This is a pretty simple spring color card. It's the background that I most enjoyed creating. Using an ink dauber and a sponge with ink pads, I gently applied the ink in a circular motion with a very light touch. It has taken me quite a long while to learn to get this type of blend, so if you try to achieve it… please don't give up. You CAN get the results you are looking for with practice.
Remember to always touch a separate piece of scrap paper before going to the project. This helps to reduce the "streaking" effects that can haunt crafters in our projects. Choosing the right paper is also key! I colored onto Glossy White Paper in this project because it takes very well to ink blending. The summer colors also meld together perfectly… so by choosing which products you add to your project can set you up for failure or success. Take a few moments before starting off to think things through 🙂
For a visual demonstration of this project, check out the tutorial I created on my YouTube channel.
To view the tutorial created for this project, CLICK HERE to watch now. Be sure to subscribe to my channel as well 🙂
Here is a list of supplies I used to make this card project. Links are here that you can click to get product info and purchase items, at no additional cost to you, as well. Thank you for your support with your purchase
Price: $62.00
Price: $27.00
Price: $7.00
Price: $8.50
Price: $5.00
Price: $3.50
Price: $6.50
Price: $6.50
Price: $6.50
Price: $7.00
Having more ways to create a focal point on your project can make a project work for you. I hope you like this project and will come back to visit often! Thanks for stopping by today.
-Jenny Hall
YOUR Independent Stampin' Up! Demonstrator
In answer to many questions, yes I am a Stampin' Up! Demonstrator and YES you can join my team. I have a non-geographical team, which means you can live anywhere in the US and participate on my team. I hold monthly meetings via FaceBook LIVE in which you assemble a prepared project. Now is also the best time to join as a hobby demo. It's a win=win for you !


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I swear I'd gain some weight since I'm coming back home. My mom is being such a wonderful mom lately, she had been pampering me with delicious and fabulous home cooked meal. The other day she was making steak for my lunch. And for dessert, she was making cheese cake and batang buruk.
Sigh, how could I not gain weight with all the food that she prepared for us. Since her first cheese cake was a success, she was addicted ever since. Everyday, she would go shopping for different kind of ingredients and would pester my little sis and I to make the cheese cake.
Forced labor.
I much prefer the manual way of "beating" the cheese cream instead of using the beating mixer. The texture was creamier with the manual way, plus I get to work those flabby arms. Killed two birds with one stone :)
Chocolate and green tea layered cheese cake
This was my first cheese cake and it taste so good, so cheesy. It was the best cheese cake I ever had, despite the not-so-good look. I'm not saying this because I made it myself, even my sister friends said it was good. Well, they said my mom's cheese cake was good too. I didn't have the picture of my mom first cheese cake because I was busy eating it.
Yesterday evening when I came down after napping in my room, I found another cake in the fridge. My mom was really going crazy over baking. In just one week, we had made 3 cheese cakes.
Dried strawberry batik cake
I told her to slow down a bit in baking because after having cheese cake for the whole week, I was kind of sick of it. You know what she told me? She said she was practicing for Gawai next year, which is like a year away ='=
She loves baking it but she do not eat it. So, guess who will finish it and gain weight in the end? Moi. Sigh, I really should start jogging now.


text:
ERIC Number: ED266021
Record Type: RIE
Publication Date: 1985
Pages: 14
Abstractor: N/A
Reference Count: N/A
A Profile of the Woman Engineer, 1984.
Hetrick, Haydee; And Others
This biennial report is based on responses from 2,112 of the 4,453 non-student members of the Society of Women Engineers (SWE) who were surveyed during the winter of 1983-84. All responses to the survey questionnaire (included in an appendix) were considered in the data analysis. Any woman with an engineering degree, holding state engineering registration as a professional engineer, or currently working in the engineering field was included. The later group consisted mostly of individuals with a degree in mathematics, physics, chemistry, or other science fields. Conclusions drawn are based, in part, on trends indicated in past surveys. Statistics found pertain to: educational level and degree fields; employment information (current status, type of employer, product or service, job functions, supervisory functions); salary information; and general characteristics (membership grade, age of members, marital status and children, registration and technical societies, geographical location). The typical woman engineer described in this profile is about 27 years old, holds a bachelor's degree in mechanical engineering, lives on the west coast of the United States, works full-time in private industry, and is most likely to be married without children. Since not all women engineers are typical, similarities and differences obtained in the survey are noted and discussed. (JN)
Descriptors: Degrees (Academic), Employment, Employment Level, Employment Statistics, Engineering Education, Engineers, Females, Higher Education, Profiles, Salaries, Science Education
Society of Women Engineers, 345 East 47th Street, New York, NY 10017 ($5.00 members; $10.00 non-members).
Publication Type: Reports - Research; Tests/Questionnaires
Education Level: N/A
Audience: N/A
Language: English
Sponsor: N/A
Authoring Institution: Society of Women Engineers, New York, NY.