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Entire Eat Stop Eat Program + VIP Bonus For $49.95 only $10
Entire Eat Stop Eat Program + VIP Bonus For $49.95 only $10
Eat Stop Eat Program Review: Is It worth Trying?
It is normal for a time in life to come when you feel like you need to shed off some weight. In such moments, the first thing you're likely to do is join some online forums moderated by the so-called weight loss gurus. Chances are that you'll end up with the recommendation that you have to starve yourself almost to death in order to lose weight.
Unfortunately, calorie counting is an outdated method of weight management and can prove mentally exhausting to anyone. It's no wonder most mainstream diet programs have sky-high dropout rates – yikes!
But the Eat Stop Eat Program by Brad Pilon is a tad different. This program focuses on ensuring that you still enjoy your favorite meals even as you burn fat. Unlike typical diet programs that use food restrictions to control you, this one relies on the scientifically-proven intermittent fasting approach.
Read the following review to learn a few more interesting facts about this relatively popular approach to burning stubborn fat.
Eat Stop Eat Review: About the Program
This program aims to change the whole narrative about weight loss. Instead of the restrictive routines that generally come with other programs, this one revolves around intermittent fasting. You will only need to make a small sacrifice for 2 days a week and afterward, you'll be free to eat whatever you please.
You might be one of those people who frown upon the idea of fasting, believing that it might slow down its normal functioning. This is a false belief as the human body is designed to go for extended periods without food.
The evolution of man took place when there was no guarantee that there would be something to eat; therefore, the body can withstand this situation very well. The fasting process for at most two days a week helps "train" your system into doing without food and also reduces the constant desire to eat something.
Since it is natural to experience hunger during this period, the program also equips you with various tactics that you can use to keep your mind focused on other things other than the fasting and the hunger it comes with.
How does it Work?
The science behind this system is that your brain is like a soft plastic that's capable of being molded.
Apparently, using the special skills taught within this program, you can even change your dog's mindset so it learns some completely new set of behaviors.
At the heart of this system is the appreciation that mental stimulation plays a pivotal role in helping dogs acquire life skills.
Unfortunately, most courses overlook mental stimulation, instead of attempting to make quick wins using shortcut methods that are based on the use of force.
With this system, you will discover techniques to help you unlock your dog's hidden intelligence. Once this happens, your pooch's bad behavior will fade away slowly by slowly as new ones take form instead.
As a result, you'll notice that your pup will begin to listen to all your commands since they'll be in a position to understand everything.
Basically, the system works regardless of what behavior problem your dog has or their pace of learning.
Benefits of Using the Eat Stop Eat Method
There are a variety of reasons why we believe that this program is worth every cent. Let us briefly go through each one of them.
Easy to Understand
This program is relatively easy to understand. Once your body gets used to going for 24-hours without food, the entire process will be a walk in the park. All the activities involved in this program are meant to help you fight the hunger waves and practice better self-control.
Creates Free Time
When you are fasting, you do not have to cook or wash any dishes. This means that you can allocate this time to doing other activities such as reading a book or watch an educative documentary. Due to hunger, it may be impossible for you to take part in physically intensive activities or those requiring deep concentration. All in all, you can always do something constructive during this period.
Health Benefits
If you start using this guide early enough, you can always beat illnesses that tend to hound your body as you grow older, the main one being joint issues. The fasting also helps you avoid diseases brought about by over-eating.
Once you are on the schedule prescribed in the program, your body will be stimulated to produce more youth-enhancing hormones which will give you a younger look, and you will be more energetic than the younger guys in the vicinity.
60-Day Money Back Guarantee
To prove to you how confident he is with the program, the author gives a 60-day iron-clad money-back guarantee. If you follow the instructions to the letter, you will get your results. However, if for one reason or another you do not achieve your targets within this period, you can always get a full refund of your money.
3 Problems with This Program
This product also has several disadvantages which we can now look at.
(1) Lacks Preciseness
The developer aims to keep things as flexible and straightforward as possible, and as a result, there are no strict rules to be followed. However, fresh beginners might still need to be told precisely what to do, or else they might fall off the wagon.
(2) Difficulty in Fasting
Staying without food for up to 24-hours is not the easiest thing to do. Although the program gives you ideas on how you can fight off the hunger waves, you have to count on your self-control abilities to succeed.
(3) It's a Digital Product
This program is meant to be accessed through digital devices such as computers and smartphones. You also need an internet connection to access it.
About The Author
This guide was developed by Brad Pilon from Burlington, in Ontario, Canada. He is a nutritionist and weight-loss expert who developed an interest in fitness and bodybuilding at a young age. This pushed him to acquire a degree in Applied Human Nutrition.
The story of how he came up with this program is a bit funny. During his post-graduate research, he set out to prove the disadvantages of intermittent fasting. Instead, he ended up concluding that the advantages outweigh the cons, and that is how he ended up developing the program.
He thought that it would be beneficial to all those with the need to lose some weight in the shortest time possible.
Bonus Program
When you purchase this program, you will be given an exclusive workout program that will help you burn the fat in your body as well as build some muscles. It should take you less than forty-five minutes to complete a workout session. Even better is that you can draw out this workout plan on a chart for easy access and use.
Wrapping It Up
If the idea of fasting for twenty-four hours does not freak you out, this program is definitely for you. As long as you are in good health, then you can keep off food for a day and then go back to your favorite meal the following one. The weight loss process will be faster since the body burns up fat faster during the fasting state. The Eat Stop Eat program is, in our view, easy, effective, and fun to be part of. Besides helping you keep fit it also provides you with the discipline needed to make healthy lifestyle choices. Why don't you give it a try?
Verdict: Worth trying.
Entire Eat Stop Eat Program + VIP Bonus For $49.95 only $10
Q: I want to lose fat and gain muscle. Can I do both with Eat Stop Eat?
Absolutely. In Eat Stop Eat I outline exactly how you can build muscle while also losing body fat, just like Doctor Kevin.You can check out the chapter 'Fasting and your muscle mass' for more information.
Q: I'm really enjoying the weight loss results I'm getting from Eat Stop Eat, but I'd still like to clean up the way I eat even more, any tips?
A: With Eat Stop Eat you can incorporate any diet style you like. My personal opinion is that the general guideline of eating 'lean and green' with lots of fruits, vegetables, herbs and spices is an ideal complement to the Eat Stop Eat lifestyle, but you can incorporate any diet style you wish and still see fantastic results just like Meagan did, You can check out the chapter 'How to eat, Eat Stop Eat style' for more information.
Q: I've heard that women shouldn't follow diets that involve missing meals, is this true?
A: The Eat Stop Eat style of eating has helped thousands of women lose weight - Just look at the results of Benita, Tracey and Roberta! In fact, there is an entire chapter in Eat Stop Eat devoted to helping women get the absolute best results possible from Eat Stop Eat, you can check out the chapter 'Fasting for women' for more information.
Q: Do you think the Eat Stop Eat lifestyle would be beneficial to someone who is simply trying to maintain his or her current weight?
A: Yes. Eat Stop Eat provides a simple way to lose weight, and to also maintain your weight. The trick is in the timing. If you want to be like Officer Mike and not only lose weight, but keep it off, You can check out the chapter 'How to keep it off' for more information on maintaining your weight with Eat Stop Eat.
Q: Can you guarantee that I will lose fat if I buy your book?
A: No. Eat Stop Eat does not have a weight loss guarantee. Any diet that does is scamming you. Any effective Weight loss program requires you to eat less and exercise more. when you purchase Eat Stop Eat what you get is a book outlining all the principles you need to be very successful at losing weight and keeping it off, but it's up to YOU to actually put these principles into action. If you want to see the same kind of amazing results as Robb Eat Stop Eat has the tools to make that happen.
Q: Is this type of diet healthy in the long run?
A: According to the research, yes. Fasting initiates many health promoting pathways inside your body, including decreasing inflammation, activating autophagic pathways, and decreasing your body's total toxin load. For more information you can check out the chapters in 'The Health Benefits of Fasting' section of Eat Stop Eat.
Q: I really want to try this diet, but I'm worried that I'm too old. Is this program appropriate for someone my age (I'm 67 years young)?
A: Absolutely. Many of our best Eat Stop Eat transformations have come from people over the age of 50. You don't have to be in your 20's to see fantastic results - Just look at Stephen .and William As long as you have medical clearance to diet and exercise this program will work for you if followed correctly. When in doubt you can always check with your healthcare professional.
Q: I've read that high protein diets can help with weight loss. Can I eat a high protein diet while doing Eat Stop Eat?
A: Yes. With Eat Stop Eat HOW you eat is completely your choice. There are several published research studies suggesting that a higher amount of dietary protein might be associated with an increased rate of weight loss (As long as the diet is calorie reduced). Most of the research I've reviewed have had people eat between 70 and 150 grams of protein per day (not the crazy 250 grams of protein per day suggestions that you find in fitness magazines). If you like, you can definitely try eating a higher protein diet while using Eat Stop Eat.
Q: I'd like to get to single digit body fat, is this the right program for me?
Whether your goal is to lose the last 10 stubborn pounds, or if you want to get absolutely shredded like Michael, Eat Stop Eat can and will help you. You can read the chapter 'The Eat Stop Eat lifestyle' for more information on reaching extremely low levels of body fat.
Q: I want to get started right away; do I have to wait for you to deliver my book physically before I get started?
Don't worry, I know your excited to start seeing results like Allan did, so Eat Stop Eat will be instantly available for you to download right after your purchase. No shipping fees, no delays, no waiting to get started.
ClickBank is the retailer of products on this site. CLICKBANK® is a registered trademark of Click Sales Inc., a Delaware corporation located at 1444 S. Entertainment Ave., Suite 410 Boise, ID 83709, USA and used by permission. ClickBank's role as retailer does not constitute an endorsement, approval or review of these products or any claim, statement or opinion used in promotion of these products.


text: Sympathy Vs Empathy? Empathy is a skill and it can be learned. It is vital in CSA exam and can sound unreal if done in a wrong way. Learn the difference between empathy and sympathy before it is too late! Watch the video now! Post by The […]Read more →

subset: commoncrawl


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Has there really been a change at the Emirates or is this just the same old Arsenal?
The Gunners have gone 16 games unbeaten in all competitions, their best run of form since 2009. But are they really any closer to winning the title? Chas Newkey-Burden debates the issue…
This time it's different: Arsenal are the real deal
With Alex Iwobi and Theo Walcott supporting from out wide and Mesut Ozil pulling the strings, this is a purposeful and penetrative frontline
Mobile forward line
This season's Alexis Sanchez-spearheaded forward line is a supple and fluid formation, in contrast to the one-tracked attack of the Olivier Giroud era, which was becoming clunky and predictable. With Alex Iwobi and Theo Walcott supporting from out wide and Mesut Ozil pulling the strings, this is a purposeful and penetrative frontline.
The comeback kings
After going behind away to PSG and Ludogorets (and being pegged back by Sunderland), Arsenal fought back to grab a pair of fine wins and, in Paris, a crucial draw. In years gone by, Wenger's teams would have folded in such circumstances.
Sanchez equalises against PSG
Luck's in the air, too. The victories against Southampton and Burnley were brilliantly jammy, as was the draw in France. The Gunners were dubbed 'Lucky Arsenal' during the glory reigns of Herbert Chapman and George Graham, so the club's fans know how far a bit of good fortune can take you.
Arsenal in pressing shocker!
The north Londoners are increasingly pressing their opponents, a tactic that Wenger's more artisan teams of yesteryear tended not to deploy much. Walcott and Sanchez lead the pressure breathlessly from the front, backed by an agile and increasingly snappy midfield.
Added muscle
The arrivals of the robust Shkodran Mustafi and gnarly Granit Xhaka mean Arsenal can once again intimidate opponents with brawn as well as brain
During Wenger's glory years, opponents admitted to feeling intimidated in the tunnel prior to kick-off. Patrick Vieira, Manu Petit, Tony Adams and Sol Campbell were daunting, combative foes, and even Thierry Henry, Freddie Ljungberg and Dennis Bergkamp knew how to look after themselves.
More recently, Wenger's favoured politer, more placid ensembles, described as "teams of son-in-laws" by Graeme Souness and "pussyfooters" by Roy Keane. But the arrivals of the robust Shkodran Mustafi and gnarly Granit Xhaka mean Arsenal can once again intimidate opponents with brawn as well as brain.
Fan unity
Arsenal followers have squabbled for years over whether Wenger should stay or go; last season, the bickering descended into a civil war featuring banners, universal self-righteousness and inter-Gooner punch-ups.
But now the fanbase seems united. Aside from a handful of point-scoring drones, the pro- and anti-Wenger brigades have put their differences aside to focus on – gasp – supporting the team.
Squad depth
Wenger was more thorough than usual in the summer transfer market, buying Mustafi, Xhaka, Rob Holding and Lucas Perez. He now has one of the deepest squads of his entire Arsenal reign, which means he's able to call upon a tactical plan B once more.
Hold your horses: considerable issues remain
Maintaining form throughout an actual football season has proved beyond them since they perfected it in the unbeaten campaign of 2003/04
A running theme
Impressive runs are nothing new for Wenger teams, even in barren times. Arsenal led the table for much of the 2013/14 campaign but finished fourth, and were 'champions' of the 2015 calendar year without actually winning the league. Maintaining form throughout an actual football season has proved beyond them since they perfected it in the unbeaten campaign of 2003/04. So far, then, there's nothing new to see here.
The Gunners are following a familiar script in two other ways: a horrifying opening-day defeat followed by a redemptive run, and a sudden burst of manic form from Walcott, which may or may not last. We've seen these films before.
Wenger's punt
The much-celebrated new forward line represents a gamble: should Sanchez get injured or lose his touch, there's no-one waiting in the wings to assume the role. Wenger would probably start with Giroud in that case, necessitating an overhaul of tactics which would likely lead to a demoralising return to a comparatively cumbersome approach.
No cover for Cazorla
The Spaniard's absence cost the Gunners dear last term and they are still weak creatively without their deep-lying playmaker, who's the quiet lynchpin of the team's flowing performances. Jack Wilshere's the only player on the books who can thrive in a similar role, but he's spending the campaign at Bournemouth.
Easy does it
Amid the frenzied excitement over the Gunners' form, it's easy to overlook the fact that they've enjoyed a favourable run of fixtures; wins against the likes of Sunderland and Ludogorets can only be of limited use as long-term yardsticks.
Of the three big teams Arsenal have faced (Liverpool, PSG and Chelsea) they've lost one, drawn one and won one. That's not trophy-winning form. Even if you squeeze Tottenham and Leicester into the big-team equation, it only adds two more draws.
Premature evaluations can prove a drag. Take the US election: at 2am the media was calling the election for Clinton, but by 5.30 Trump was knee-sliding towards the finishing line.
The Verdict
An impressive run of results has generated praise aplenty for the Gunners, but Wenger's men looked mentally fragile against Spurs, while Liverpool, Manchester United and Chelsea are finding their own form. For Arsenal, the hype is writing cheques that calm analysis cannot yet cash.
New features you'd like every day on FourFourTwo.com


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The goals and duties of the Photography office have changed since the department has transitioned from University and Community Relations to University Communications and Marketing (UCM). Please take the time to review the changes in policy and procedure. Priorities for photographic assignments are news stories, marketing and advertising projects, campus publications, documentation of significant campus events and stewardship. All photography requests must fall into one of these categories before approval is considered. We do not have the resources or time to cover all events. In addition, we do not supply prints of photos that are taken.
• News and Event Coverage - Because of news media deadlines, these assignments may be given priority over all other requests. They may include on- and off- campus "documentary" news coverage of events related to the University and/or pre-event promotional photos or photos designed to accompany a feature story. We also respond to requests made directly from outside media sources. Individuals with upcoming events should contact both UCM news service and the University photographer.
•Advertising/Marketing/Illustration/Art - These photos include a varied blend of campus scenes, feature illustrations and generic campus art developed for use in a wide variety of promotional and advertising literature and also in Web page design. In planning your project, you may find the images you need in our growing archive of campus shots linked here: http://uncpphoto.smugmug.com. If not, contact us about your project idea and a photo shoot can be scheduled to produce images more tailored to your specific needs. Please plan for these production sessions well in advance since we are continually working around news deadlines.
•Faculty and Staff Headshots – Wednesday is headshot day. The studio, located upstairs in Jacobs Hall, Suite L, will be set up for headshots every Wednesday from 10 a.m. -12 p.m. and from 1 - 4 p.m. If, you are unable to attend a Wednesday headshot session, please state this in your photo request form and we will try to make a special appointment for you. Walk-ins are welcome, but please call ahead of time if possible.


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A few weeks ago, I purchased an Airport Express at the local Apple Store. I wanted the ability to print to my Epson R320 wirelessly from any Mac. The setup was incredibly easy as with most Apple products:
- Connect the ethernet cable (from the wall) and the USB printer cable into the AirPort Express.
- After that, load up AirPort Setup Assistant in Applications >Utilities.
- Once the window shows up, click on continue.
- Then click on Setup A New AirPort Base Station.
- Make settings for your AirPort Express and that's it.
- To edit the settings later, open up the AirPort Admin Utility in Applications >Utilities.
- The picture quality was very good considering that it's wireless printing.
- If you notice that your picture quality isn't that good, then check the maker of the printer's website for driver updates.


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ago617 days ago
We have a stunning litter of Cavapoos five adorable puppys two girls and three boy all have excellent marking mum is a Tri Cavalier King Charles she has been tested for dry eye curly coat syndrome and also for episodic failing dad is a grey miniature poodle he's PRA clear and has an excellent pedigree. Puppies will go to the local vets for their first vaccination, be health checked, wormed and also micro chipped. Cavapoos have big personality are very intelligent which makes them very easy to be trained we have started puppy training them they are non shedding this is very good choice for allergy sufferers please make sure everyone is on board with a new family member we want this to be as stress free as possible. A £300 deposit secures you a puppy. Please note that one of the girl puppies is already reserved and the black one (with white socks) is a boy.


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Shop Scandinavian interior & home decor
Nordic Nest - Home of Scandinavian Design
Welcome to Nordic Nest – Home of Scandinavian Design. Here you will find the best of Scandinavian interior design in one place.
Nordic Nest – Our Philosophy
Until 2019, Nordic Nest was known under the name Scandinavian Design Center. The name was changed in May of 2019, but our concept and goal has stayed the same.
We seek to help inspire people to create homes they love and love to share. By sharing our knowledge and passion for Scandinavian interior design, we want to make Scandinavian home design available worldwide and inspire people to open the doors to their home and bring people together.
An online shop to help you create a Scandinavian-style home
Throughout the years, just like you, we have built our home piece by piece – a home we today call Nordic Nest. At Nordic Nest you will find home accessories design and furniture from a broad range of exclusive Scandinavian brands, including modern and innovative brands such as Ferm Living and Muuto, as well as the classics, such as Georg Jensen and Kay Bojesen.
Bring a piece of Scandinavia into your home
A home is something you build, a place you truly feel comfortable and relaxed. A place that is filled with things that you love.
At Nordic Nest, we live Scandinavian interior design. This is why we have created a place for us to collect and share the things we love. Our knowledgeable staff is always there to help you with input and ideas for your home, because for us, design is personal.
Design for every room of the house
At Nordic Nest, you will find interior design for every room of the house. We offer a broad assortment coving everything from shelves, plates and cutlery, to collectors' items, such as the popular Moomin mugs by Arabia or the timeless String shelf collection by String Furniture.
Scandinavian interior and lifestyle
Add a statement piece to your home with furniture or lighting by some of Scandinavia's most popular designers or round off the look of the room with a home accessory in the form of a statement candle holder or vase.
The Scandinavian way of life is minimalistic and harmonic. If you want to decoracte your home with a Scaninavian interior design, go for a stripped but cozy look with pale colors and materials from the nature, such as wood, leather and linnen. Match the natural elements with modern pieces to finish it off.
Shop Scandinavian design online
At Nordic Nest you can shop the very best of Scandinavian design from the comfort of your own home. With a warm cup of tea in your hand and your feet on the sofa, we invite you to explore our hand-picked assortment of Scandinavian interior design and home accessories.
At Nordic Nest we always offer 365 days return policy, fast and reliable customer service as well as fast shipping around the world.
About Nordic Nest
Nordic Nest was founded in 2002 under the name Scandinavian Design Center with its headquarters in Kalmar, southern-Sweden. Today we are still based at our roots in Sweden and still share the same passion: A passion for all things beautifully crafted and the goal to make Scandinavian interior design available around the world.
Our carefully chosen assortment includes a broad range of Scandinavian brands in designers. At Nordic Nest, you will find the iconic classics, such as scandinavian lighting by Louis Poulsen and porcelain by Iittala, but we also scout and present smaller, local brands, such as OYOY and Scandi Living.
We continuously expand our assortment and currently offer Scandinavian design from over 250 brands. Explore Swedish design by Design House Stockholm, Finnish design by Marimekko, Danish design by Bloomingville & House Doctor and so much more in our full list of brands.


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God wants all of you all the time. He wants to see you flourish. He wants to hear about your day. He wants to know the desires of your heart. He loves you more than you could ever imagine or understand. He doesn't want to be restricted in your life. He doesn't want a part of your life. He wants to be your life. Spend more time with Him. Love Him. Invite Him to your day, to work, or on your car ride. Seek His Presence over ever waking moment of your life, and ask for His peace while you sleep. He is waiting for you to open up to Him.
"My response is to get down on my knees before the Father, this magnificent Father who parcels out all heaven and earth. I ask him to strengthen you by his Spirit—not a brute strength but a glorious inner strength—that Christ will live in you as you open the door and invite him in. And I ask him that with both feet planted firmly on love, you'll be able to take in with all followers of Jesus the extravagant dimensions of Christ's love. Reach out and experience the breadth! Test its length! Plumb the depths! Rise to the heights! Live full lives, full in the fullness of God."
Ephesians 3:14-19 MSG


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rhinestone cocktail dinner ring pink lavender by avaVintageo
beautiful large rhinestone heart cocktail ring. -beautiful rhinestones in various shades and shapes of pinks and purples -antique brass tone metal -elastic band -faceted stones -stunning!
label: it's marked on the inside of the band. each segment has a letter or a number but i cannot make them out. i do see a 3 followed by a 9 …and what appears to be the letters B…but i could be completely incorrect.. : )
condition: great condition. no missing stones. no tarnishing on back of ring. slight tarnishing on several segments of band.
size: although a tad bit loose, i could wear this ring on my middle finger which is a size 8.5. ……would fit pretty much any ring size above 8.5/9.
measurements: width: 1 3/4 inches height: 1 3/4 inches band not stretched is approximately 2 inches band stretches to quite a bit larger
rhinestone cocktail dinner ring pink lavender by avaVintageo. see price...


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Categories: Takeaways, Nepalese Restaurant, Indian Restaurant
61 Belgrave Gate
Landline: 0116 25...
Website: www.everestdine.co.uk
Website: Visit Website
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| Everest Dine | Fine Dining Nepalese & Indian Restaurant
Welcome to Everest Dine
We are the first Gurkhas Nepalese restaurant in your city and we are so excited to serve you, our authentic Nepalese and Indian cuisine. We have six associate restaurants all over the world. Our aim is to give you the same 5 star standard service that customers receive in our other successful restaurants.
'Everest Dine' offers fine, upmarket Nepalese and Indian Cuisine set in comfortable, fresh and modern interior with soft lighting and warm ambiance. Diners can enjoy
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I did not have a religious upbringing, though my paternal grandfather was a Presbyterian minister who moved from church to church in the Midwest before dying at fairly young age. My mother wanted my brother and me to go to Sunday school, but my father was against it – apparently growing up in a minister's family put him at odds with organized religion. So, from my earliest days Sundays were just like any other day.
Growing up in our small family just outside of Boston, I developed something of a loner mentality. My brother had a learning disability and was bullied by his peers, and in my valiant but largely unsuccessful attempts to shield him, his wounds became mine. If divine help was available I never saw any evidence of it, and it never occurred to me to ask. So I learned to place a high value on self-reliance, spending much of my time playing alone in the woods – nature became my church.
One summer in Estes Park, CO where my Dad's family spent many summers during his youth, I went to a church service officiated by one of my grandfather's old friends, and as the organ played and the hymns were sung, I started to cry. My mother embraced me and said, "Oh Kate, you've got religion!" I remember feeling awkward and defensive as she released me from her grasp, embarrassed that my inner feelings were so transparent. I had come to believe that crying was a sign of weakness, and I retreated deeper into my cave.
In college I majored in philosophy, and whatever concept I may have had about God or any other universal "being" was systematically dismantled and cast into limbo, leaving me with more questions than answers. After crashing around agnostically for many years, I eventually met Joel, a self-described "cradle Episcopalian," and 18 months ago we settled in Rowley. We decided to check out a local church, and Joel chose AMC in part because of the pipe organ, knowing that I had worked for C.B. Fisk as a woodworker in the 80's and would enjoy the music, if nothing else.
On our first day here, I was instantly struck by the warmth of this congregation, and Brad's sermon was deeply moving. It was several months before I made it up to the Communion rail because of lingering doubts and confusion about my own beliefs. Gradually I was able to let go of these doubts and I was baptized in May and received into the Church in September. I remember vividly when Brad said to Loben and Kessler Fouser on the day we were all baptized that the water he would put on our foreheads was "like a big wet kiss from God." In that moment, I knew that this was what I needed and had always been yearning for – to be part of a greater human family, guided by the love of God, where having all the answers is less important than simply choosing to live each day with a full and open heart.
As Brad said during one of his recent sermons, "there is no contentment that comes from floating in your own reality." I need to keep hearing this message, to be reminded that life is about connection, not the false safety of my former cave. So, I came to AMC for the music, but I've stayed for everything else that AMC offers and stands for, not just on Sundays but throughout the year.
I am forever grateful to Joel for getting me through the door, to Brad for his deeply inspiring words, and to all of you for welcoming Joel and me so warmly into the AMC community. And the music still makes me cry.
~ Kate Turner


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Dear DDEX users,
We are pleased to announce the launch of the SHOCK Trading Competition! A total of 13,500 SHOCK tokens are committed to this program.
Competition period: 2019/08/13 16:00 to 2019/08/19 12:00 (UTC+8).
Trading Link:https://ddex.io/trade/SHOCK-WETH
Trading Return Bonus: 10,000 SHOCK to win!
First 100 users (wallets) that trade at least 0.5 WETH (including both buys and sells) across the SHOCK/WETH trading pair will win 100 SHOCK for each.
Trading Competition: 3,500 SHOCK to win!
Users (wallets) will be ranked based on their total SHOCK trading volume (including both buys and sells) on DDEX during the competition period.
The top 5 users (wallets) with the highest trading volume will share a prize pool of 3,500 SHOCK.
1st place: 1,000 SHOCK
2nd place: 800 SHOCK
3rd place: 700 SHOCK
4th place: 600 SHOCK
5th place: 400 SHOCK
Only users that trade at least 3 WETH (including both buys and sells) will be eligible for this bonus.
- DDEX will strictly check duplicated or false accounts. Duplicated accounts will not receive rewards.
- Please pay attention to the official link for more information.
Follow us on: Facebook, Twitter, Reddit
Join our official chat group on: Telegram


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Latest News
Taste Organic Expo
Everyone knows we love organic kiwifruit here at Apata. What's not to love? It's great for the environment and provides excellent returns.
Well, in February, Apata will be hosting the "Taste Organic Expo" where we'll be bringing together leaders from within New Zealand's burgeoning organic industry to share their knowledge and thoughts on organics, and we'd love for you to join us.
For more information, please contact Jon Merrick.
Email: email@example.com
Phone: 027 558 6241


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Pastoral Counseling or Clinical Counseling: What's the Difference?
By H Bruce Stokes, Ph.D.
Many people are confused about the differences between a Pastoral Counselor and a Clinical Professional Counselor. In some aspects they are very similar. In some, they are very different. This is intended to explain the basic differences so that the Christian can make an informed and effective choice in the matter.
Basic Differences
Clinical Counselors such as Clinical Psychologists, Psychiatrists, Social Workers, and Marriage and Family Therapists are licensed and regulated by various governmental boards and professional associations. Pastoral Counselors such as Pastors, Ministerial Counselors, Chaplains and Church Counselors are credentialed and regulated by various ecclesiastical governing structures and may be influenced by professional associations.
Counseling Approaches
One of the most significant differences between clinical and pastoral counselors relates to the basic philosophy of the counseling process. Clinical Counselors have only one contact structure for interacting with their client. This is the professional setting of the office, and they are strongly discouraged from access and interaction beyond that professional counseling relationship. This contrasts with the Pastoral Counselor who may have access and relationship to the person outside of the formal dialog and counseling setting. In other words, the only relationship allowed the Clinical counselor is the formal counseling process while the Pastoral counselor may relate to the client on several levels. A perspective client must determine which context is best for their particular needs.
World View Considerations
Another significant difference relates to shared world views and values. In a clinical setting, the counselor is limited in the degree to which they may discuss and direct the client from the perspective of the counselor's own values. Counseling theory, as understood in the behavioral sciences, must be the primary determinate of the perspective and advice given. It is acceptable for a Clinical Counselor who is Christian to discuss their values with a client who specifically asks, but giving direct advice or counsel consistent with such values may not always be allowed. In a Pastoral Counseling context, both religious values and behavioral science theories and methodologies are free to be openly explored, but the counselor is expected to counsel and advise from the perspective of the religion he or she represents.
Educational Background and Training
Clinical Counselors are required to meet certain basic educational and training requirements to maintain their license. This training is directly related to the scope and limitations of their practice and may or may not include religious content. Pastoral Counselors may have equal or distinctly different educational and training backgrounds,depending on the requirements of the ecclesiastical authority that they are under. It is possible to find all levels of competency in both Clinical and Pastoral Counselors. Potential clients should examine the educational and experiential background of any counselor they intend to use. Understanding the theoretical orientation and model of religious integration of the counselor is also important.
Financial Considerations
Both Clinical and Pastoral Counseling involve payment for services. Clinical Counseling may be covered under group medical insurance. Some Clinical Counselors provide sliding scale fees or pro bono services. Pastoral Counselors may work on a fee basis, sliding scale, free-will donation or may provide services free as a ministry. Generally, Pastoral Counseling is not covered by Insurance.
Scope of Practice
Marriage Family Therapists and Social Workers are trained in counseling needs related to individual development, family, marital, and relational issues such as drug addiction or marital adjustment or grief. In addition to this focus, Clinical Psychologists and Psychiatrists may provide services that involve testing and treatment of more serious mental health issues. Pastoral Counselors will tend to have expertise and training that parallels the MFT and Social Worker. Pastoral Counselors will emphasize life adaptation, relationships, discipleship and conflicts related to values and behavior.
Team Approaches
Many counselors work in consultation with other professionals. This allows for Pastoral Counselors, Psychiatrists, Physicians and Marriage and Family Therapists to better serve their clients through referral and consultation. Team approaches require the direct permission of the client to allow such consultation. If this approach is valued by the client, they should check to see if their counselor uses such an approach.
Confidentiality in the Counseling Setting
Confidentiality is a part of both Pastoral and Clinical Counseling. The degree to which this is maintained depends onthree factors – the nature of the topics discussed, the character of the counselor, and the legal and theological structures governing the counseling relationship. Some information cannot be kept confidential by any counselor. Certain criminal activity, or threats to harm self or others are subject to legal action if not reported by the counselor. In addition, counselors can be subpoenaed regarding certain court actions. This should be discussed with your counselor.
Making a Choice
Choosing a counselor involves some understanding of the nature of the problem, the type of counseling desired, and the circumstances of the client. The more a person knows about the differences in counselors, the services available through those counselors, and the goals of counseling, the more likely the client will find a counselor who will be helpful. The choice between a Christian Clinical Counselor and a Pastoral Counselor may be simply a matter of appropriateness to the circumstances of the client. But the difference may also be much greater than many realize. This is a serious matter and should be given due consideration before going to a counselor.
About the Author
H Bruce Stokes, Ph.D. is the Dean of the School of Behavioral Sciences at California Baptist University. He is professor of Anthropology and Behavioral Sciences and teaches both undergraduate behavioral science and graduate (Marriage and Family Therapy) courses. In addition, Dr. Stokes is the Pastor/ Teacher of the DiscipleCenter congregation in Anaheim Hills. He has lectured and written related to marriage and family issues and has extensive 35 years of experience in pastoral counseling
Dr. Laura, this is a great explanation of the differences between State licensed counselors and Christian licensed counselors. We just came back from the ministry retreat with Dr. Dave Smuin, and he explained this to the Pastoral Counselors, as well. As Christian Counselors, he says our first responsibility is to be Ministers of the Gospel, and I like that.


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Where do u live Luvon?
Type: Posts; User: barbiedoll; Keyword(s):
Where do u live Luvon?
Sharing an incident from one of the forwards:
Yesterday, two of my friends ( female ) were traveling from Delhi to Noida when they suddenly realized that the car's tyre was punctured.
Its bcos.....all active users got busier in their personal lives....
Those who come here....dont wanna post/share to keep this alive...
I think they should close this forum.......this can never be revived......
Happy to see basu :)
Nice art basu!!
happy to see vikas unchanged/ sad that lotta cool ppl dont come to sbf anymore....
I miss fruity ji.....the cutest one....:ooh:
Am so bored.....lets play this guys whoever is active here.....
Happy/sad about
Am happy for the job i have / sad for how low i feel on energy since sometime
I think as we age.....we get less tolerant to fights and shouts.....may be thats why we all lost interest :)
Sign of maturity ;p
Or else....it could be that there are better programs/shows to...
Looking good Luvon....
Happy Birthday Vikas aka gracefulguy :rock:
I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I—
I took the one less traveled by,
And that has made all the difference.
-Robert Frost
I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I?
I took the one less traveled by,
And that has made all the difference.
-Robert Frost
Yes buddies.....am safe by God's grace.......
I didnt share with my parents yet of this incident........just my bro........I dont think we will eva share with our parents about this!!
Yes guys......it was a horrific experience......
When I was there......n told there are active shooters in mall.......was convinced its a terrorist attack and tears welled up my eyes when i thot...
Posting the link below!!
I still cant believe what I experienced today!!
I was in salt lake, Utah, (US) and went to my fav. mall to shop for clothes.........there was a fire alarm and a feeble voice saying...
blackmail ka pata nai........lekin kaafi log yaha pe kuch aur hi picture kiya hai than actually they are.......
I believe its foolish to expect honesty in an online forum and hope that they arent...
You probably mean putting on healthy weight.......in my case, if i eat 3 times a day, tummy full......in no time, I can gain weight......
Cool :thumbsup: ....keep it up dear
I experienced this thrice already :(
@Stud: girls pata hai kyu relationships thod they hai?
Being a girl myself.....I can say.....its when guys fail to commit into long term relationship like marriage.......
Or if their future...
All that glitters is not gold!!
I totally agree!!
Stud.....ab ye ladki patau sab choro.......shaadi karlo.......saal do saal kya........zindagi bhar saath rahegi :)
Men dont listen either........they act as if they did........
tho suggestion kya hai........jaise ho waise raho?
wohi dekh rahi.....kaafi lovey dovey cheezein likh rahe ho
I like plan 3....
How r u bala? Howz ur wife?
Guys dont have any tips to give dear.......all they do is stay silent n wait for wife to calm down......
Funniest part is.....they forget what makes us angry......repeat the same thing...
Times are changing......
I miss him too :(
Lollllllllllll........Mallya/Nirav ke oopar bhi titles itne strong nai they jitna ye waala hai
andaman & nicobar islands
Am sure, ppl who are habituated to AA would have realized that forum went down n not many login/answer like before :)
Huh.....feed sad for you bud!!
Until and unless the girl takes a strong decision to move out of her marriage, this situation cannot change.
I can only suggest you to slowly cut off from her....
If you want your positive attitude back, then you need to focus on your career. At age of 28, you cant afford to sit at home doing nothing. If you are not settled in life, do you think this gf of...
Fight ke liye kaise ready hote hai ;p
Humara tha bas ho jaata hai :)
Lol......aisa hi lag raa hai.....
I understand it was untimely n shocking........lekin media took this time to peaks I guess with their idiotic speculations of her death....
I feel bad for the...
Nice to see u afta ages........how have u been buds?
Good job :thumbsup:
This is the most visited thread in CCC......glad u brought it alive again
@thread: Media's frenzy predictions of sridevi's death is getting on my nerves now
I think am seeing u for the first time DC.......good one :thumbsup:
Ye kya dekh rahi yaar news......sridevi died.......very sad......indeed shocked......RIP
she is talking abt eyebrows stud.......not beard ;p
Haa yaar.......pathetic.....
Look at how these ppl on news are discussing.......""mentally unstable guys should/should not own guns.......teachers in school sd be given fire arms to protect...
Plan on a baby :).....then parents will visit more frequently and u have a reason to make them stay with u :)
Congratulations dear!!
How often do u visit parents?


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Want to gain more asset availability through optimizing your PM strategy, improve your labor efficiency and make life a lot easier? Want to create a more predictive approach to management assets? This webinar reviews ways to optimize your PM Strategy in order to gain more time for your assets to run, improve maintenance labor efficiency and open up the opportunity for more predictive approaches in order to provide the best value possible through the maintenance department.Register Now!
Joe Anderson
Associate Director of Asset Management
B. Braun Medical
Joe has over 20 years experience in maintenance and management excellence in various industries and plants throughout the United States. He has published many articles and lectured throughout the United States in these areas. He is a
CMRP, CRL, CARO, MLT2, MLA1, LSSGB, IAM-55k, and was recognized as one of the top 50 leaders in the country by the United States Congress, being awarded the National Leadership Award.
Joe is currently the Associate Director of Asset Management at B. Braun Medical. He can be contacted at firstname.lastname@example.com with any questions or
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text: Los Angeles Sewn & 100% Made in the USA Rub-A-Dent™ is Los Angeles sewn and 100% made in the USA. Rub-A-Dent is 100% made in the USA. Sewn in Los Angeles by local seamstresses of cotton terry fabric, thread and elastic all made in America. February 10, 2015Behind the ScenesBy Carole Nese, RDH, BS


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Salyer Hearing Center PLLC - Sylva
A message from Salyer Hearing Center PLLC - Sylva about COVID-19:
Please call us to verify our availability before coming to our office.
Clinic staff
Selena Rogers
Dr. Selena Rogers is a native of the Western North Carolina area and has been serving patients for more than a decade. She earned her master's degree from East Tennessee State University and her doctorate from Salus University. Dr. Rogers is a fellow of the American Academy of Audiology and holds a certificate of clinical competence in audiology from the American Speech Language Hearing Association.
John Smith Jr.
Dr. John Smith Jr. is an experienced audiologist working with patients at Salyer Hearing Center since 2012. He earned his clinical doctorate from Salus University and is a fellow of the American Academy of Audiology. Dr. Smith enjoys the clinical setting helping patients with hearing aids, fittings and service.
Jill Robinson
Dr. Jill Robinson is a licensed audiologist with Salyer Hearing Center serving patients from newborn to elderly. She earned her master's degree from the University of Tennessee. She holds a certificate of clinical competence from the American Speech Language Hearing Association and is a fellow of the American Academy of Audiology.
Clinic reviews
Clinic details
About this hearing center
The audiologists with Salyer Hearing Centers are very experienced, knowledgeable and provide expert hearing care services that can help you make the best choices with all of your hearing needs. The clinics offer the most advanced models in hearing devices available to help you choose what best fits your individual needs, lifestyle and budget.
They have 3 locations conveniently located for the people of Western North Carolina.
Hearing care services
We offer a full line of audiology services including:
- hearing tests and diagnosis
- hearing aid options from state-of-the art manufacturers
- custom fit and calibrate
- maintenance and care
- 30 day trial period on custom fit devices
Hours of operation
|8:30 am - 5:00 pm
|8:30 am - 5:00 pm
|8:30 am - 5:00 pm
|8:30 am - 5:00 pm
|8:30 am - 1:00 pm
Clinic links
Accepted forms of payment
- Visa
- MasterCard
- Cash
- Check
- Financing available for those who qualify
- Insurance accepted, please call for details


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Research: The 7 Different Ways Canadian Millennials and Boomers are Reading
In today's battle for media dollars, advertisers are now challenging digital media with issues of ad fraud and unreliable measurement. At the same time they are questioning the relevance of traditional media, especially print. Great media plans have always employed multiple media to maximize ad impact, and traditional media are critical components of a balanced advertising campaign.
For several years we've been hearing about the demise of traditional media, particularly "print media". While magazine and newspaper content is often "print first", many publishers have embraced digital and adapted their distribution models. There's no doubt that digital is here to stay, and the way it's changed magazines and newspapers is profound.
Since the first Vividata survey went into field in January 2015, we have seen continued growth in digital and cross-platform readership to magazines and newspapers. Our syndicated single source survey also provides an in-depth understanding and validation of how and what Canadians are reading in print and digital media. As Canadians' adopt digital versions of their favourite magazines and newspapers, Vividata is tracking and reporting this evolution for advertisers.
Millennials and Boomers Read Differently:
Vividata's most recent release debunks the myth that Millennials don't read printed magazines or newspapers, or that Boomers read only printed copies.
88% of Millennials (21-34) read newspapers or magazines.
- Three quarters of Millennials read newspapers in the average week, and of those:
- 77% read a printed copy
- Over half (59%) used their mobile device to read
- Over two thirds of Millennials read a magazine (average issue), and of these:
- All but 14% read a print copy
- Half of readers use their mobile to read
93% of Boomers (50-69) read newspapers or magazines.
- Over 80% of Boomers read a newspaper in the average week, and of those:
- Half read a digital version
- Over a third read a newspaper on their mobile
- 77% of Boomers read the average issue of a magazine, and of those:
- One third read a digital version
- 23% used their mobile


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Beachfront Inn of Martha's Vineyard
65 Seaview Avenue, Oak Bluffs, MA 02557
Tel: 508-693-5148
Where Victorian Elegance Meets Vineyard Charm - The Beachfront Inn enchants summers with quirky historic knik-knaks and a multitude of unique rooms, an outdoor shower...
Nobnocket Boutique Inn
60 Mount Aldworth Road, Vineyard Haven, MA 02568
Tel: 508-696-0859
Island Luxury With a Twist Nobnocket Boutique Inn is an upscale bed and breakfast with a refreshingly modern interior design. Completely renovated in 2016, this...
The Edgartown Inn
56 North Water Street, Edgartown, MA, 02539
Tel: 508-939-4005
Following a complete renovation, The Edgartown Inn will reopen in the summer of 2020 with a new and fresh lease of life. Our 12-room boutique...
Tivoli Inn
125 Circuit Avenue, Oak Bluffs, MA 02557
Tel: 508-693-7928
The Tivoli Inn is a charming Victorian gingerbread house which has island charm and exudes a clean and friendly atmosphere. The house was built in...


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Vissla High Seas Men's 3mm Split Toe
Made for cold water: 50 - 58° F / 10 - 14° C. Vissla Performance Surf Bootie fit is true to shoe size. Bootie should fit snug to prevent water from entering.
Product Features
- 100% Super Stretch neoprene - lighter, warmer, softer, stretchier, easier to put on and take off
- Furnace thermal lining insulates heat and dries fast
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- Dual strapless compression panels keep the boot snug to your feet without having to have the restricting velcro strap
- Half the weight of the 7 Seas 3mm bootie
- Features pull tab on heel
- Sole is solid underneath the split toe to prevent leash hangups
- Glued and blindstitched seam construction
- Glide skin ankle seal to prevent flushing


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With winter in full swing, many of us are still feeling exhausted. Is your mind racing with all the things you need to do? Are you having trouble falling asleep these days? "Sleep is one of the cornerstones of wellness that's often overlooked," observes Racheal Ellery, Spa Director at Hockley Valley Resort. "People tend to focus on diet and exercise – also important, of course, but consistently getting a good night's sleep is crucial to your overall health." In fact, sleeporganization.org recommends that the average adult get 7-9 hours of quality sleep per night. Having trouble sleeping? Check out these 3 tips from the wellness experts in our spa to get maximize your zzzz time:
- Create-a-spa: Turn your bedroom into its own spa oasis to signal to your brain that it's a place for relaxation and rest. Limit natural light with blackout curtains, play soft music or nature sounds for a calming feel and try meditation to clear your mind before heading to bed. Want to get more than 40 winks? The more your brain thinks it's bedtime, the better chance you have for your body to fall in line.
- Aromatherapy: Treat your senses to spa time with essential oils! Many scents such as jasmine, lavender, bergamot and others have been known to promote relaxation as they can act as natural sleep aids. Give up counting sheep and get a diffuser to give aromatherapy a try…
- Practice makes perfect: Where sleep is concerned, your body likes routine and it responds best to consistency. Wind down, go to bed and set your alarm for the same time each day. After your body starts to realize that this is a routine, it will learn what it's supposed to do and you should be able to get to sleep!
Looking for more information on wellness? Check out our blog for more tips and tricks from our spa experts at: https://www.hockley.com/blog/


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When and where
Sunday 14 Sep 2008 from 1:00 pm to 5:00 pm
St Andrews Church Hall Myers St Bendigo
You will learn about and practise
- Vocal health
- The natural volume of our voice
- Relaxing the body while singing
- 'Sleeping breath'
- Giving your voice space through correct posture
- The 'calling' technique
- Getting more out of your voice with less effort
- Harmony and rhythm—with a Georgian flavour
- Balancing voice resonance & overtones for a full-bodied sound
Presenters and format
The workshop has 2 presenters, specialists who will advance our skills in voice, harmony and rhythm. Participants divide into 2 groups. The presenters each run a 90 minute session with each group. At the end of the workshop the presenters direct a 'big sing' for the whole group.
Voice production and health (how to sing)
Presenter: John Lander
Getting more out of your voice with less effort; vocal health; 'sleeping breath'; relaxation of the body; the 'calling' technique; the natural volume of our voice; giving your voice space through correct posture; balancing voice resonance and overtones in a choir for a full-bodied sound.
Harmony and rhythm (what to sing)
Presenter: Dr Nino Tsitsishvili
Developing our sense of harmony and rhythm—with a Georgian flavour.
Who may attend
Anyone may attend who sings in a choir or who wants to sing in a choir.
Information and tickets
Enquiries: email@example.com or David 0408 053 990
Tickets: $40 from Capital Theatre 03 5434 6100
Tickets may be available at the door if there is space in the workshop.


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An Taoiseach Leo Varadkar TD, Minister for Health Simon Harris TD and Minister for Health Promotion Catherine Byrne TD have today (Monday) launched the 2019 Healthy Ireland campaign and announced funding of €1 million to boost community engagement on health and wellbeing in every county.
Analysis by the Healthy Ireland Unit in the Department of Health shows that 60% of Irish adults are overweight or obese, with only one in three adults meeting physical activity guidelines or eating enough fruit and vegetables.
This year's Healthy Ireland campaign aims to address this by encouraging people to make positive choices to improve their health and wellbeing across three main themes – Healthy Eating, Physical Activity and Mental Wellbeing.
The 2019 campaign seeks to raise public awareness of gov.ie/HealthyIreland as the place to go that brings trusted sources of information and supports together in one place to help people get started on making healthy changes.
Unveiling the new campaign, An Taoiseach Leo Varadkar said:
Speaking at the event, Minister Simon Harris said:
Minister for Health Promotion Catherine Byrne said:
Dr Tony Holohan, Chief Medical Officer in the Department of Health said:
62% of people were classified as overweight or obese in 2017.
Source: Healthy Ireland Survey 2017
37% of people consume 5 or more portions of fruit and vegetables a day.
Source: Healthy Ireland Survey 2018
Research by the World Health Organization in 2018 shows that only 33 per cent of Irish adults get enough exercise.
Source: WHO Ireland Physical Fact Sheet


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It's downright amazing what information you can find hiding in plain sight on a public web page! Frankly, it's symbolic of the other elephant in the room- the illegal immigrants hiding in plain sight in our schools, riding on publicly financed buses, consuming TANF and Food Stamps at the local health and social services departments (using a government supplied translator of course), crowding our hospital emergency rooms, consuming free meals in school cafeterias, and the list goes on.
But then again, it's not so amazing. We've become so mind-numbed to this criminal activity that we simply look past it, even when it stares back at us in public documents. Here's a document, posted on the NC Public Schools web site, that provides some very interesting facts and figures about our public schools. One page, in particular, caught my eye– Page 13.
Did you know the federal education bureaucracy only funds our schools in the amount of $44.60 per typical student (if one excludes short-term ARRA/stimulus funding)? However, if that same student has a limited English language proficiency, his funding level is $1,476.74 higher! No wonder our schools are eager to educate illegal immigrants and their progeny!
But wait, it gets better. If that same student is from a low income family (as is virtually every undocumented and multi-documented family), the funding level goes up by another $1,303.94. That means the federal government is deliberately funding the education of illegal immigrant children at the staggering rate of 63 times higher than what it provides for the average middle class American child. I don't know how you feel, but I certainly don't condone my federal taxes being diverted from legitimate educational imperatives to that of educating the sons and daughters of adults who came here illegally, the same adults who avoid paying income taxes that fund the education of our children.
So, our federal government is in the practice of rewarding those who are double felons; the ones who steal into this country then rob the public coffers already missing the income taxes they owe.
The only way I know to reconcile this travesty is to say NO. That's right, just say NO! NO to local companies who employ illegals. NO to law enforcement if they pick up undocumented workers and then release them before confirming their citizenship or processing them out of Lee County. NO to federal, state, and local handouts of public money to subsidize the education of illegals. NO to public aid to illegals at Social Services and the Health Department. NO to politicians who are soft on this important issue.
Of course, because we citizens possess the human decency to help those in need, we can and will say YES to charity organizations for helping the innocent children of the felons who brought them here. We will say YES to granting true emergency procedures at the local emergency rooms, when needed. And we will say YES to helping these illegals find a legitimate path to citizenship in the USA (after exiting the country and applying for a legal visa or work permit to return).
But the operative word here is NO. Let's remember that as we deliberate our strained budgets at all levels of government and the growing blight of illegal immigration in this country. We simply cannot afford to continue educating and supporting those who come here illegally and who pay no taxes. Be sure and tell your local, state, and federal legislators how you feel!


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Samer will convert to Christianity after 2 debates with CP
Milwaukee Atheists have dealt with Bible and Christianity thoroughly. Vicarious Redemption Scapegoat allegedly Virgin Born, allegedly Resurrected Zombie, water walking miracle Man, his Trinity, Spirit, Lamb and Lord has been thoroughly scrutinized and proven to be just another irrational ideology. Old Testament full of Violence and Unscientific stuff.
I watched this video more because of these two personalities. both are interesting to watch in their own private channels. but bringing them together and having a decent discourse is really heart warming. I'm listening to this video like a cat near the hearth. enjoying the warmth and oblivious of people.
A lot of the arguments used by christian prince are used by muslims too.
If you want scrutinize Qur'an, CP is the man (specialized on that 99.9%). But to debate christianity, I may not agree to everything he said: often too simplistic.
Btw as christian I'm also skeptical and open-minded to whether there's really dinosaurs exist and the fact that's unwritten in the bible.
Sameer Rocks
It is better for atheists to focus on sciences than talk about things that are religious.
If you want to debate atheism, David Wood is the best choice. He keeps complaining that focusing on Islam does not stimulate his brain and he would like to debate with atheists.
I've heard of Christian Prince before, but I was left feeling very underwhelmed by his arguments. Thanks Abdullah for having this debate. I really like these.
Its funny how both are not scientist but both have read a book or watched a program…and now both are experts…ultimately both are believing WHAT THEY HAVE BEEN TOLD BY OTHERS.
It was very refreshing listening to you and CP. Though you may have different viewpoints… it was very very refreshing to hear 2 SMART people talking respectful and with good arguments. Usually CP is talking with … "not so smart" … people. Thank you for the upload!
Is background radiation proof there is no God???…I doubt it
I think this is a very great discussion with an atheist which is also an ex muslim to challenge Christian point of view. I believe Abdul shamir is a good guy having big heart just he wanna look for more information to be confident in what he believes.
CP is an expert in Islam. He doesn't claim to have studied atheism or Christianity in depth. You ruined this interview by detouring into an off topic just to fit your agenda.
CP is the type of person dominating the conversation. water is hydrogen and oxygen, how hydrogen and oxygen can be iron, carbon, nitrogen etc.
obviously the religion made in the past was problematic, the book was made by people who knew little about the universe, and CP defended it without foundation
A point of infinite density and infinite mass…from nothing…always existed…how do you prove that using science…thats faith
Very naughty to question CP like this
Fulfilled prophecy proves the bible right….think about what was said about Jesus.


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Latest posts by Goody (see all)
- The 9 Biggest Draft Busts In NBA History - June 1, 2017
- The 1913 Indianapolis 500 Was The Craziest Race Ever - May 30, 2017
- Athletes That Are Better Than You At Poker - May 16, 2017
The Indy 500 is the most famous car racing event in the United States. We also just discovered that you're totally allowed to bring your own booze to watch the race, so it's now our favorite race as well. But it didn't always have things like "modern cars" and "safety regulations in place." In fact, it used to be pretty crazy. And no race was crazier than the third running of the Indy 500, when things got weird. How weird do you ask?
The Winner Was French (And Drunk)
Now, just this past weekend, Takuma Sato became the first Japanese driver to win the Indianapolis 500. But who was the first foreign winner of the race? Why that would be Jules Goux, the 1913 winner, who managed to crush the field by thirteen minutes. Oh, and he also was wasted for it. That's right, each of his pit stops involved him downing a bottle of champagne, which is both the most French thing we've ever heard of, and also the first time we've thought about a French person and came away with the impression of "man that dude really knows how to party."
Alcohol was banned by the race the following year, though it's pretty hilarious to think that no one thought to ban that until a guy up and won a race drunk. But that's not the only crazy thing that happened.
Most Cars Didn't Even Come Close To Finishing
Of the 27 cars that ran, only 11 finished. Could you imagine having a race where only 40% of the cars finish? That seems less like an actual car race and more like a pretty decent episode of American Ninja Warrior.
A Driver Flipped His Car On The 51st Lap And Still Finished In 16th Place
So many cars didn't even make it 51 miles that this guy didn't even finish in the bottom ten despite breaking his own dang leg. The Indianapolis 500 was pretty ridiculous back then. Though our personal favorite anecdote from this race was…
The Third Place Car Finished (While on Fire)
Marlie Merz was the first American to finish the race, and he came away with a cool $10,000 for getting third place, but he definitely earned his money. As he entered his last lap, the engine of his car caught fire, so his navigator (yes, cars had navigators to race on circular tracks back then) climbed out of his seat and spent the final lap racing at 70 miles an hour beating at the flames with his hands. They managed to finish, but can you imagine that spectacle? On one hand, we shouldn't root for cars to catch on fire, but on the other hand, if a car were to catch on fire, we should only be so lucky for it to do so in such an impressive fashion.
But man, yeah. The Indy 500 was hardcore back in the day, wasn't it?


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The Federal Reserve raised its short-term federal funds rate 0.25% to a range of 1.75% to 2%, as expected, but also indicated two more rate hikes this year for a total of four, followed by three in 2019. As recently as March, the Fed was indicating just three hikes this year.
The more aggressive projection reflects a more bullish economic outlook from the Fed.
Fed policymakers lowered their median forecast for unemployment to 3.6% this year, down from 3.8% previously, and to 3.5% for the following two years.
At the same time they raised their median projections for headline Personal Consumption Expenditures, the Fed's favored gauge of inflation, to 2.1% this year and the next two, up from 1.9% for 2018 and 2% for 2019 (its 2020 projection was unchanged). Core PCE inflation, which exempts food and energy, is projected to increase to 2% this year, up from 1.9% previously, and 2.1% for the each of the next two years.
Inflation is "just about at our 2% goal," said Fed Chairman Jerome Powell in his press conference following the policy announcement from the Federal Open Market Committee. But he added that the central bank was "not ready to declare victory until we sustain that over time, which we haven't done yet."
The Fed also raised its median forecast for GDP growth in 2018 to 2.8%, up from 2.7%, but made no changes for projections of 2.4% and 2% for 2019 and 2020.
In its statement, the Fed noted that "economic activity as been rising at a solid rate, job gains have been strong … [and] business fixed investment has continued to grow strongly."
This is a pretty upbeat statement," said Brad McMillan, chief investment officer of the Commonwealth Financial Network. With 'strong' job gains and 'solid' economic growth, and 'strongly' growing business investment, the Fed is clearly sold on continued growth. … Two more increases seem most likely, with a real possibility of more."
"The Fed is optimistic, confident, direct and hawkish," said Ward McCarthy, chief financial economist at Jefferies.
Jeff Klingelhofer, a fixed income portfolio manager at Thornburg Investment Management, said the Fed's stronger economic projections indicate that the "incoming data suggest the economy is strengthening MORE than the committee expected, and thus they are perhaps playing a game of catch-up. … I don't believe the Fed is good at this, and instead to me it signals they will continue to tighten, generally until something breaks."
The Fed's statement noticeably omitted forward guidance that had been included in its statements for several years, which says that the fed funds rate is likely to remain below an expected long-run level.
"Now is an appropriate time to remove this forward guidance in policy statement," said Powell in his press conference, adding that the Fed continues "to believe a gradual approach is best." Powell explained that if the Fed is too slow to tighten it would need to do so "abruptly down the road," but if it tightened too rapidly the economy could "weaken" and inflation could remain "persistently below" the Fed's 2% objective.
The Fed also made no mention of geopolitical tensions or trade disputes in its statement. When asked about that in his press conference, Powell said the Fed was " beginning to hear reports of companies holding off on making investments and hiring [but] right now, we don't see that in the numbers at all. The economy is very strong." He added that these he would put it "down as more of a risk."
There was little reaction in financial markets initially to today's Fed announcement, but by the time the market closed the Dow Jones Industrial Average was down almost 120 points, or 0.5%. Bond yields were little changed.


text: My name is Jeremy and I love point and click adventures games in the style of the 90s classics. I started working on my first game "Dexter Stardust - Adventures in Outer Space: Night of the Hollow Moon" way back in 2012. Huge overhauls in art and programming came in 2014 when I finally learned how to put it all together and really started building the game. Play the free DEMO. Hope you all enjoy!


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I received an email recently from a reader who was bragging that her Texas Hold�em game play has greatly improved, since she started playing in online sit & go tournaments. She went on to say that not only does she feel like she is a better player, she enjoys playing a lot more now that she�s gotten over her initial fear of sitting in at a poker tourney. This is not uncommon and there are a couple of logical reasons why.
First, when you�re playing in a cash game, it�s possible to lose your entire bankroll on a single hand. When this happens, you�ll have to make an additional deposit before you can play again. In tournament play, your entry fee buys you a certain number of chips (1,500 is a typical amount), if you go all in and lose, you�ve simply lost your entry fee and you most likely will still have some money left in your bankroll. Also, in most tourney�s multiple players will finish �in the money�. For example, in a typical single table sit & go tourney, the top three finishers will earn something. Meaning, if you make it through to the final three, you�ll win back your entry fee plus a little something extra.
Next, when you�re playing in a cash game; players tend to come and go. It�s frustrating to just start getting a read on a particular player then have them simply up and leave the table. Further, a new player is usually pretty quick to hop in and take their place. Now, you have to start watching this new player and hope you can get a read on their style of play before they also take off. This doesn�t happen in tournaments as players who leave prior to the end of the tourney simply lose. Also, tournaments are closed once play has begun so there is no worry of a new player sitting in.
Finally, just as you�re trying to get a read on the other players at your table, the other players are trying to get a read on you. It takes time to cultivate the appropriate table reputation. It makes sense for your opponents to head for an easier table, if they see you dominating the table in a cash game. Once again, this is not an issue in tournament play as leaving the table means forfeiting any chance of winning.
So as you can see, if you�re a �thinking player�, it makes perfect sense that your game will improve once you try tournament play. I�d advise any newbie poker player to first study the basics of the game then learn a tight Texas Hold�em strategy, then jump in to the exciting world of no-limit Texas Hold�em tournaments.
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Book online now!
Other Overnight Options Are Available:
This trip
returns again in 2018.
We have
reduced our passenger counts to maximize individual success.
This trip is
essentially a full night rockfish trip and a full day halibut trip
with bunks included for all anglers. In addition to some terrific
fishing our anglers will also save the cost of a hotel room by
sleeping in their very own bunk onboard. This is especially
valuable during the peak of the season when hotel rooms are scarce
and very expensive.
The goal of
this trip is to give our anglers an incredible opportunity to catch
multiple species of extremely high quality saltwater fish on a
single trip.
overnight combo is usually 16-20 hours in duration with plenty of
time to catch a diverse limit of tasty rockfish and a super nice
limit of delicious halibut.
will be the exclusive target until midnight with no halibut
retention until after midnight. By the midpoint of the trip we will shift our focus to halibut. The transition from exclusively
rockfish with incidental halibut to exclusively halibut usually
involves moving the vessel to different areas. Late July and August
trips will also have excellent opportunities for Silver Salmon that
can be caught and retained while halibut fishing.
The Nautilus
2 is equipped with underwater led lighting that makes the fishing
even more successful and exciting. You are often able to see the
larger fish coming up from the depths as well as the bait-fish in
the water near the lights. On calm nights it can be like fishing
in an aquarium.
Rockfish are
divided in two categories. Pelagic and non-pelagic. Pelagic
include black sea bass, dusky, yellowtail, widow, blue and dark.
Non-pelagic include yellow eye, quillback, copper, tiger, china, and
silver gray. Black sea bass will typically have the highest success
rate for pelagic and yellow eye for non-pelagic. A large variety of
different types are seen on most trips. The limit for rockfish on
this trip is five per person and only one can be non-pelagic. We do
catch occasional lingcod that have a limit of one but they are far
less common. Lingcod can be retained after July 1st but
limits for all anglers are unlikely.
We will
practice safe release techniques for non-retained rockfish.
We have extended the hours
on the back end of this for halibut to give all anglers excellent
opportunities for larger fish.
Come join us
for this unique and exciting fishing opportunity.
Halibut Fishing Capital Of The
Alaska Coastal Marine
4350 Homer Spit Rd.
Homer, Alaska 99603
Click Here For Mailing Address
Phone: 907-262-4359
Fax: 907-262-9753
Boat Location In Google Maps
Click for weather forecast
All pictures
on this site were taken on Alaska Coastal Marine Vessels by our crews
during the trips.
You may see them cut and pasted to imitators sites without permission.


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A Boy's Will was Robert Frost's first published collection, seeing print when he was nearly forty, in 1913. North of Boston, published in 1914, was his second collection. Published together, they provide a good signpost at the point where 19th-century poetry became 20th-century poetry
The poems in A Boy's Will are based firmly in the Romantic tradition of Wordsworth, Shelley, and Keats, which wended its way through the 19th century and the works of the Victorians in both England and America. (It is a tradition that most of us think of as built on "poetic" diction and many exclamation points.) Even though Frost's early works often foreshadow the themes and settings of his later poetry, they are definitely cast in the mold of the later 19th century, as in "Spoils of the Dead":
Two fairies it was
On a still summer day
Came forth in the woods
With the flowers to play
To those accustomed to the forms of contemporary poetry, it sounds quaint, even though it becomes substantial – it is a poem about death. Mary Oliver, in A Poetry Handbook, makes a good point: "To be contemporary is to rise through the stack of the past, like the fire through the mountain. Only a heat so deeply and intelligently born can carry a new idea into the air." Particularly instructive in this regard are two poems that bridge these two collections, the first titled "The Tuft of Flowers" (an altogether delightful work), which ends:
And dreaming, as it were, held brotherly speech
With one whose thought I had not hoped to reach.
'Men work together,' I told him from the heart,
'Whether they work together or apart.'
Frost's own note says that one of his most famous poems, collected in North of Boston, picks up this theme where "A Tuft of Flowers" laid it down. "Mending Wall" shows us men working together:
I let my neighbor know beyond the hill;
And on a day we meet to walk the line
And set the wall between us once again.
We keep the wall between us as we go . . .
Oh, just another kind of outdoor game,
One on a side.
We are definitely in the 20th century: blank verse and diction that derives from everyday speech. I was amazed to discover how many of the poems I studied in school were first published in Frost's second collection: not only "Mending Wall," but "The Death of the Hired Man," "Home Burial," "After Apple-Picking" – and others I had never read before but should have, such as "The Wood-Pile," which begins with hints of the later "Stopping By Woods on a Snowy Evening."
It's amazing to see not only the break in style between these two collections of Frost's poems, but the development of a major poet into maturity. Many of the works in North of Boston are really stories, long narratives, complete with dialogue and undeniable dramatic impact. Frankly, if you want Frost in your library, go with "Collected Poems." However, if you're out browsing and run across this one, it's worth having, just for the educational value: this is a good, concise view of what Frost is about.
(Dover Publications, Inc., 1991)
About Robert Tilendis
Robert M. Tilendis lives a deceptively quiet life. He has made money as a dishwasher, errand boy, legal librarian, arts administrator, shipping expert, free-lance writer and editor, and probably a few other things he's tried very hard to forget about. He has also been a student of history, art, theater, psychology, ceramics, and dance. Through it all, he has been an artist and poet, just to provide a little stability in his life. Along about January of every year, he wonders why he still lives someplace as mundane as Chicago; it must be that he likes it there.
You may e-mail him, but include a reference to Green Man Review so you don't get deleted with the spam.
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Saudi Arabia says Makkah shop fire controlled by civil defence
The fire started on the second floor of an electronics store in Al-Rawdah on 7 January
Saudi Arabian civil defence teams put out a fire that broke out in a Makkah shop on 7 January, 2019.
Firefighters in Makkah put out the fire that started in an electrical appliances store within Al-Rawdah district.
Spokesperson for General Department of Civil Defense in Makkah, Maj Naif Al-Sharif, said the incident occurred on the second floor of the shop, adding that no injuries were sustained due to the fire.
An investigation is under way to identify the cause of the fire, Al-Sharif added, according to Saudi Arabia's state news agency, SPA.
News of the fire comes after a September 2018 blaze broke out in Dammam on 2 September, 2018.
As is the case with the recent Makkah incident, no injuries were reported by SPA from the Dammam incident, which occurred at a branch of the general prosecution. At the time, SPA said that the Dammam fire broke out after a technical fault with "conditioning machines" on one of the building's upper floors.


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Based on the best-selling memoir written by Jeannette Walls, Oscar® winner Brie Larson and Oscar® Nominee Woody Harrelson star in The Glass ...
Based on the best-selling memoir written by Jeannette Walls, Oscar® winner Brie Larson and Oscar® Nominee Woody Harrelson star in The Glass Castle, arriving on Digital HD October 24 and Blu-ray™ (plus Digital HD), DVD and On Demand November 7 from Lionsgate.
The Glass Castle features all-new bonus content including a behind-the-scenes featurette and deleted scenes, and will be available for the suggested retail price on Blu-ray ($39.99) and DVD ($29.95).
THE GLASS CASTLE - on Digital HD 10/24 and on Blu-ray and DVD 11/7!
Chronicling the adventures of an eccentric, resilient and tight-knit family, The Glass Castle is a remarkable story of unconditional love. Larson brings Jeannette Walls's best-selling memoir to life as a young woman who, influenced by the joyfully wild nature of her deeply dysfunctional father (Harrelson), found the fiery determination to carve out a successful life on her own terms.
From the producer of The Shack and The Blind Side, the film also stars Oscar® Nominee Naomi Watts (2012, Best Actress, The Impossible) and Golden Globe® Nominee Max Greenfield (2013, Best Supporting Actor – Television, "New Girl").
- 9 Deleted Scenes
- The Glass Castle: Memoir to Movie
- A Conversation with Jeannette Walls
- Making of "Summer Storm" by Joel P West
- Scoring The Glass Castle
Directed by Destin Daniel Cretton (Short Term 12) and written for the screen by Cretton & Andrew Lanham.
Hailed as "one of the must-see movies of 2017" (Vanity Fair), The Glass Castle chronicles the adventures of a young girl growing up in a dysfunctional family of nonconformist nomads.
To learn more, visit -
Facebook: www.facebook.com/GlassCastleFilm
Twitter: www.twitter.com/GlassCastleFilm
Instagram: www.instagram.com/glasscastlefilm


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October has arrived for many people, it signifies the beginning of a very charitable month. Whether you are taking part in Stoptober or going sober for October, it's a great time to do your bit for charity. At Pharmacy Direct, we are always…Continue Read
To help with the rising pressures on the NHS and local GP's, there has been an increase in online pharmacies across the UK. But what services do they offer and why should you use them? Pharmacies are key in providing quality healthcare and are,…Continue Read
Summer colds can be just as common as the miserable colds we catch in winter. Unfortunately, even if the sun is shining and the temperature is as warm as it can be in Britain, the chances of infection spreading do not decrease. Most of the time, a…Continue Read
With the NHS saying last month that they are set for a liver disease crisis, saying "It's a ticking time bomb" we have compiled a list of some simple tips you can follow in order to protect yourself from damaging your liver. As…Continue Read
With almost everyone having to use an electronic device at work, we on average, spend around 30% of our day staring at a screen. This work may cause dry eyes or eye strain.Continue Read


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Gisela Adisa
NYC Success Stories
After meeting Jerry Kallarakkal at Next Level Studios, Gisela was signed!
After meeting Ruthie Christianson in a session, Katie SIGNED with Professional Artists! Katie recently BOOKED a lead role in an Off-Broadway show at City Center - one of the first auditions Ruthie pushed her for!
Katie Kleiger
Davis was brought in by Mavrick Artists to discuss representation after networking with them during the LA Trip.
Davis Cannada
After meeting with Mavrick Artists during the LA Trip, Grant was brought in to discuss representation!
Grant Kretchik
Lauren was brought in to discuss representation with Mavrick Artists AND Bella Agency after her LA Trip showcase.
Lauren Leland
After his showcase during the LA Trip, Steven was brought in by Mavrick Artists to discuss representation!
Steven Clark
Vivia was brought in by Mavrick Artists AND Bella Agency to discuss representation after her showcase during the LA Trip.
Vivia Font
Dan was called in by LB Talent, AND Bella Agency after her LA Trip showcase.
Dan Cathcart
Helen was SIGNED by Mavrick Artists after her LA Trip showcase!
Helen Day
Chelsea was called in by Bella Agency AND JLA after her LA Trip Showcase, to discuss representation!
Chelsea Averill
Get in Touch
One on One
34 W 27th Street, 11th Floor
New York, NY 10001
Next Level Studios
6150 Santa Monica Blvd
Hollywood, CA 90038
Stay Connected
Legal Statement
© 2016 All rights reserved


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Paul Tashima ($27B): Investing is Never Easy
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PAUL TASHIMA STARTED HIS CAREER as a clothing wholesaler, but quickly found his calling in finance. As managing director and portfolio manager with UBS's Corporate Cash Management Group, in Chicago, he specializes in creating allocations of short-term fixed-income investments for institutional and ultra-high-net-worth clients.
The Southern California native is Barron's 10th-ranked advisor nationwide and belongs to our Financial Advisors Hall of Fame – a group comprising those who have appeared in 10 or more of our annual Top 100 rankings. Tashima and company have seen their business growing steadily; the 20-person team has added $3 billion of assets over the past five years, for a tidy sum of $27 billion. Sitting down with Barron's Advisor, Tashima talks cracking the institutional market, growing the team, and why there's no such thing as an easy environment for managing money.
Q: After earning an economics degree from UCLA and before heading to the University of Chicago for your MBA in finance, you had a brief career outside of wealth management. What was it?
A: After graduating [from UCLA], I took a year or so off working. I had my own business selling clothing wholesale to retail stores. The saying goes: Necessity is the mother of invention. The genesis of the clothing company was the need for clothing and income to help pay for college.
And then I was fascinated by the financial markets and so decided to go back into business school.
Q: And today you work with institutional clients and very wealthy individuals. What was the key to landing those institutional clients starting back in the early 1990s?
A: Oftentimes we would just, consistent with compliance and regulatory requirements, pick up the phone and reach out as a courtesy call to let them know we existed. And through word of mouth, through the recognition from awards and accolades from organizations like [Barron's], client references by being in the business, the reputation and the knowledge of our existence gets out, and by definition, people want to do business with you.
Q: What percentage of your assets are from institutional versus two-legged clients?
A: I'd say it's probably 80/20 or 70/30 [institutional to individual]. Our roots were working with large pots of gold – corporations, foundations, hospitals, universities. Naturally these institutions and entities are filled with individuals, and as those individuals recognize what we are doing for them as an institution, inevitably you'll get a phone call that says, "Hey by the way can you do that same thing for me as an individual?" So our fastest growing segment of our business is working with high-net-worth, family offices, individuals of that sort.
Q: And within that segment, do you serve as just an investing specialist, or do you provide planning as well?
A: I believe that planning is memorialized by way of an investment policy. It's kind of like your proverbial outline to an essay. So establishing a plan, setting the parameters, establishing the borders [by] which one will expect you to manage money is paramount. That way it level sets, it communicates and it manages expectations perfectly. Then you overlay tax rate, liquidity needs, any type of event that is forthcoming, and then there's the unknown.
Families have many multi-faceted needs, whether it be business related, family related, generational related, distributions or philanthropic causes that are very meaningful for them. So surrounding the broad parameters of those borders of a policy also we incorporate all the extra qualitative features or quantitative features that must be incorporated as part of that plan. Then once we have those variables at our disposal, then we deploy and allocate cash accordingly. So the answer is yes.
Q: As you have added more business from individuals and families, to what extent have you had to add experts to your team in planning and tax and other areas?
A: The good consequence of success is that you're forced to continue to build your own infrastructure to accommodate the expanding needs of clients. It is very important to hire people that help with planning, but all of the other functions of the deliverable as well: execution, marketing, trading, operations. Four of our [20] team members joined in the last five years as we are expanding our business. We are constantly interviewing new hires as we continue to grow.
Q: I'm curious about the extent to which the institutional investing approach also fits individual and family clients. Does it have to be tweaked at all, or is it pretty much a version of the same service?
A: It's very much the same service. Anybody who is successful, whether it be an enterprise, a corporation, a university, a hospital, a family, they've all worked very hard and successfully. And usually the consequence of that success is cash. They have no illusions about risk aversion and how conservatively that asset must be managed during the time that they have it, so that they can redeploy it back into what's important to them.
Q: What is the minimum to get into one of your separately managed accounts?
A: Oh it varies. We try to be all-inclusive and take a long-term approach to things. If someone is an entrepreneur and just starting off in their career, they initially may only have $3 million to $5 million. So we're going to invest the time and energy to educate and establish a program that, maybe through time as they become successful, it grows.
So we really don't have minimums. But as I tell people, if you are going to go toward a separately managed solution rather than a one-size fits all bond fund or mutual fund approach, then generally you want to start at least in that $3- to $5-million range, where we can diversify adequately.
Q: What's the biggest challenge in investing for fixed income these days?
A: The challenges that we have are balancing the uncertainty of economics and direction of interest rates, optimizing returns over those multiple cycles of time, and making sure that we remain very closely connected to clients as it relates to their liquidity needs. Because ensuring that they have liquidity over return is paramount in this marketplace. No one likes to be subject to the vagaries of the marketplace and have to sell investments prior to maturity if they ended up needing liquidity sooner than later.
Q: Are things especially tricky now?
A: There's been very little time in my career in almost 30 years where I've ever sat back and said, "Oh, this is an easy climate in which to manage money." That's what makes it so intriguing and so intellectually stimulating. There's never a point in my career where I felt I could be complacent.
Q: So what asset classes look good currently?
A: Right now we believe that the cycle of growth and success and profitability remains with those [issuers] that are most agile and most resilient to absorb the many changes in the marketplace. So as you look at the corporate debt markets we know that there's been some uncertainty as to the quality of earnings, the leverage in the marketplace. When you see this type of uncertainty, you tend to see markets start to widen out in terms of spread.
We are seeing it specifically in the corporate debt markets; you're seeing it in the lower quality sectors of the marketplace, especially with the higher leveraged companies. And this is when fundamental analysis of those companies becomes that much more important – to be able to identify household companies that temporarily have spread widening, that offer greater cash flow.
The same within the municipal markets. You look at various regions of the country that are doing rather well, and sometimes in those regions because we have national challenges or global challenges, some of those credits will sell off by virtue of association, and that presents opportunities.
So we believe as an asset class the municipal markets and the corporate debt markets present meaningful value and will continue to do over the many years ahead, especially since they do generally yield more than where U.S. Treasuries or U.S. agency debt is trading.
Q: Can you name a decision over your long career that you would like a do over on? If you could step into a time machine and do it differently?
A: As I look back, I wish I would have worked smarter, not harder. I wish I had surrounded myself with the right mentors sooner than later and I wish I'd embraced sooner the use of technology to improve worker productivity. I think that all those combined would have allowed me to be more productive early on. A very famous person said, "Don't confuse activity with achievement," and I think that holds true when we think about working harder versus smarter.
Q: Thanks, Paul.


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Dream Dinners Recipe Contest
I have to admit I still find this recipe contest business just a little odd. Again, you are asking people who don't know how, or are too busy, or won't or for whatever reason, don't prepare meals to submit their favorite recipes. It seems the equivalent of asking people who don't own cameras to submit their best photos. I'm sure the people who participate enjoy it, but based on some of the previous entries they appear to submit an old "family recipe" or take a standard recipe from a cookbook where they've added dry soup mix and submit that. I don't really get the sense that these are recipes that people spend a great deal of time crafting and honing. But then again, if you did spend that kind of time in the kitchen, you probably have no need for meal prep services.
Do you have a winning recipe to share? Enter our recipe contest and you could win $500 worth of Dream Dinners!
Winners will be chosen from four categories, with a prize for each winner in each category. Plus, we will publish your winning recipe in future Dream Dinners' menus as one of our monthly dinner features.
I guess it's better than actually coming up with the recipes yourself. Cheaper too. And at today's rate, $500 is a month's worth of dinner's right?
Other Articles of Interest:
- None Found