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This is an ongoing series where I explain concepts of the Japanese language through words that you already know; Japanese car names.
The mid 1980's started what I like to call; The Cannonball Car-Logo Run. It's like The Cannonball Run except all the colorful characters were car logos. They were all scrambling to get ready for world dominating globalization.
Some car companies were better situated for this mad dash. Honda needed only to shine-up their classic logo. But some like Mazda, did not even have a logo to shine-up. Some were swallowed-up like Datsun. And few, like Toyota, used it to redefine the company and set a new design standard for the modern-day logo.
The third and present day Toyota logo would actually win any design contest it was entered in. Toyota knew that the Katakana logo it was using from Part-2 had limited international appeal. It was not used much outside of Japan. This led to inconsistent use of the Toyota name and branding methods at a time when they were starting to sell cars all over the world.
Toyota's website is loaded with frequently asked questions that, ironically, no one would ever ask. There you can find information on the looping "T" logo that you see on cars today. I quote Toyota;
"What does the Toyota logo represent?"
"In 1990, Toyota debuted the three overlapping Ellipses logo on American vehicles. The Toyota Ellipses symbolize the unification of the hearts of our customers and the heart of Toyota products. The background space represents Toyota's technological advancement and the boundless opportunities ahead."
I'm not even sure what that second sentence means… Though, If you can somehow turn empty space into boundless opportunities, think of how many golf clubs you can fit in a trunk. They could have just said, Its a "T", because we are Toyota, and we would still think it's one of the coolest logos we ever saw. By the time its wrung through the marketing-hype-machine, it sounds like they are trying too hard.
The looping circles have some obvious features like forming the letter "T". and having a globe like shape. Others are a little more hidden like the fact that it has all 6 letters of the word "Toyota" present within the logo. My favorite one is the reference to the loom making days from Part-1, with the subtle needle and thread reference. (not subtly shown in the top graphic)
Katakana (the alphabet used for foreign words and names) is used generously when talking about the car model name. Aside From the Kawasaki Ninja or the Suzuki Samurai, Most model names are not words in the Japanese vocabulary. Thus, they are usually written with Katakana. This makes for great practice, as you try to figure out what each model name says while zooming past signs in Japan.
Here is some wacky Toyota model name info:
Toyota Corolla is fun to say, but what does it meeeeeean? I will explain (try to stay with me on this one):
The Toyota Corolla (1966 debut) is not a Japanese word, it is Latin for "crown" of flowers. Which is directly related to its root word; "Corona", as in the Toyota Corona (1955 debut) which is Latin/Spanish for "crown". Which should not be confused with the Toyota Crown (1955 debut) which is an English word for "crown". Which should not be confused with the Toyota Camry (1982 debut) which is the Japanese word for "crown". Whew…
The Toyota vehicle name origins are a confusing yet fascinating topic alone. And I have not even gone into the Celica, the Corsa, and the Cressida. But my goal hear is to learn more about Japanese.
My point is that it does not matter if it's a Spanish City or a Latin root, or an English Monarch, they are all written in Katakana. Only the Camry is a native word, yet it is also treated with same Katakana letters to stay with the theme.
Here are all four model names written in Katakana. Can you figure out which ones are which? (Answers at bottom of post)
Here is an interesting photo. It relates in several ways. These Katakana syllables sound-out English words that you have seen a zillion times. You could probably guess what the first line is. The second line is driving related. Now that I've given you that hint, you could probably guess what that line is also.
Here is the sign broken into its Katakana syllables. As you repeat them faster and faster, they will start to sound familiar. When you say them at ludacris speed, as fast as you say the English words, then you are speaking Japanese.
- ma-ku-do-na-ru-do
- do-ra-i-bu-su-ru–
Answers: 1.)Camry 2.)Corona 3.)Corolla 4.)Crown
Please keep coming back as I continue to use more car company names to explain more Japanese language basics and cultural insights. Remember, as they say at the Japanese car wash, Wax On!
Learn Japanese from Car Names – Main menu
All Toyota logos are copyright Toyota Motor Company.


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No, I had been at a job for 21 years prior, so I had not used recruiting services before.
I was somewhat skeptical because it was a temp-to-perm position, which I was uneasy about; I wanted something permanent right away, but it worked out well in the end. The advantage of temp-to-perm works on both ends, really. I may have found it wasn't the position for me and could have just moved on when the assignment was over. Or, they would have been able to find someone else. I'm glad it worked out in my favor.
I knew soon after starting that I wanted to stay and learn this new area of law.
I felt confident because of my years of experience, but still somewhat nervous starting at a new firm.
Pretty much at the beginning while temping here. Everyone was so helpful and friendly- That goes a long way!
My work ethic, dedication, skills, and loyalty helped. I think they realized I could learn this new area of practice.
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Have you ever heard or read about Maya Angelou's poem, 'Phenomenal woman'? Well, if you haven't, I suggest you read it. It's an amazing poem. It's not like I'm so smart or anything because I only just read it properly yesterday when my friend was talking about it. I imagine that Maya Angelou had come to terms with what it meant to be a woman when she wrote it.
I'm a woman,
Phenomenal woman,
That's me.
Have you ever mastered the power of a woman?
Women are blessed beyond measure with gifts and powers that even their minds cannot comprehend. Scientists, in all their hypothetical glory have still not found it easy to comprehend the female gender.
What can a woman do, you say; Isn't she meant for the kitchen, you say; Well, I say you are naive and backward in thinking.
Women have brought the most powerful men in history down on their knees. Cleopatra single handedly brought down Caesar and Anthony.At the same time, Thatcher took on Britain in a way that no prime minister had ever done before. Queen Victoria was a legend. Joan of Arc was on another level. Need I go on about more of this powerful women in history?
Women are the glue that keep the world from falling apart more than it already has. Women keep the family together and without families, what will we make of the world? Women run the world from behind the scenes. A woman works the triple shift; she does the emotional work, takes care of her family while trying to balance her job. A woman will fight to keep what is hers and when a woman gets angry, the flames of hell can't be compared.
A woman is a gem and so women should be respected and appreciated because the world needs them. God realised this and gave Eve to Adam.
Now, while we sit here on this beautiful day celebrating women all around the world, there are some women out there who are suffering. Some of them are treated like dirt in different countries around the world. They have no freedom and they have no rights. Some women in some countries are prosecuted if they are caught wearing jeans. Some women are killed if they commit adultery while the men are allowed to keep as many wives as possible without getting a hair on their body touched. Some women are married off from very early ages like 8 to men that are old enough to be their grandpas. In fact, Afghanistan has been tagged as the worst country for a woman to live in. I saw a picture of a woman who had been bathed with acid simply because she refused to marry her boyfriend. Why do women have to go through this? They are the ones who will bear the future generation that will take the world forward. In every way you can, spread the word! Women need to be free!
Happy international women's day.
P.S. In order to show your support to these women suffering, please go to the following websites:
Thank you for reading.
Before you judge me, try hard to love me – MJ


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Recombinant Anti-Cardiac Troponin I antibody [EP1106Y] (ab52862)
- Datasheet
- References (9)
- Protocols
Product nameAnti-Cardiac Troponin I antibody [EP1106Y]
See all Cardiac Troponin I primary antibodies
DescriptionRabbit monoclonal [EP1106Y] to Cardiac Troponin I
Host speciesRabbit
Tested applicationsSuitable for: Flow Cyt, IHC-Fr, WB, IP, ICC/IF, IHC-Pmore details
Species reactivityReacts with: Human
Synthetic peptide within Human Cardiac Troponin I aa 1-100 (N terminal). The exact sequence is proprietary.
Database link: P19429
Positive control
- WB: Human fetal heart tissue lysate. IHC-P: Human heart and Human cardiac muscle tissues. Flow Cyt: A-673 cells.
General notes
Mouse, Rat: We have preliminary internal testing data to indicate this antibody may not react with these species. Please contact us for more information.
This product is a recombinant monoclonal antibody, which offers several advantages including:
- - High batch-to-batch consistency and reproducibility
- - Improved sensitivity and specificity
- - Long-term security of supply
- - Animal-free production
Our RabMAb® technology is a patented hybridoma-based technology for making rabbit monoclonal antibodies. For details on our patents, please refer to RabMAb® patents.
We are constantly working hard to ensure we provide our customers with best in class antibodies. As a result of this work we are pleased to now offer this antibody in purified format. We are in the process of updating our datasheets. The purified format is designated 'PUR' on our product labels. If you have any questions regarding this update, please contact our Scientific Support team.
Storage instructionsShipped at 4°C. Store at -20°C. Stable for 12 months at -20°C.
Storage bufferpH: 7.20
Preservative: 0.01% Sodium azide
Constituents: PBS, 40% Glycerol, 0.05% BSA
Concentration information loading...
PurityProtein A purified
Clone numberEP1106Y
Research areas
Associated products
Alternative Versions
Compatible Secondaries
Isotype control
Recombinant Protein
Our Abpromise guarantee covers the use of ab52862 in the following tested applications.
The application notes include recommended starting dilutions; optimal dilutions/concentrations should be determined by the end user.
|Flow Cyt
|Use at an assay dependent concentration. PubMed: 18436862
|1/100000 - 1/1e+006. Detects a band of approximately 28 kDa (predicted molecular weight: 28 kDa).
|Use at an assay dependent concentration.
|1/250 - 1/500. Perform heat mediated antigen retrieval with Tris/EDTA buffer pH 9.0 before commencing with IHC staining protocol.
FunctionTroponin I is the inhibitory subunit of troponin, the thin filament regulatory complex which confers calcium-sensitivity to striated muscle actomyosin ATPase activity.
Involvement in diseaseDefects in TNNI3 are the cause of cardiomyopathy familial hypertrophic type 7 (CMH7) [MIM:613690]. Familial hypertrophic cardiomyopathy is a hereditary heart disorder characterized by ventricular hypertrophy, which is usually asymmetric and often involves the interventricular septum. The symptoms include dyspnea, syncope, collapse, palpitations, and chest pain. They can be readily provoked by exercise. The disorder has inter- and intrafamilial variability ranging from benign to malignant forms with high risk of cardiac failure and sudden cardiac death.
Defects in TNNI3 are the cause of cardiomyopathy familial restrictive type 1 (RCM1) [MIM:115210]. RCM1 is an heart muscle disorder characterized by impaired filling of the ventricles with reduced diastolic volume, in the presence of normal or near normal wall thickness and systolic function.
Defects in TNNI3 are the cause of cardiomyopathy dilated type 2A (CMD2A) [MIM:611880]. Dilated cardiomyopathy is a disorder characterized by ventricular dilation and impaired systolic function, resulting in congestive heart failure and arrhythmia. Patients are at risk of premature death.
Defects in TNNI3 are the cause of cardiomyopathy dilated type 1FF (CMD1FF) [MIM:613286]. Dilated cardiomyopathy is a disorder characterized by ventricular dilation and impaired systolic function, resulting in congestive heart failure and arrhythmia. Patients are at risk of premature death.
Sequence similaritiesBelongs to the troponin I family.
- Information by UniProt
Database links
- Entrez Gene: 7137 Human
- Omim: 191044 Human
- SwissProt: P19429 Human
- Unigene: 709179 Human
Alternative names
see all
- cardiac muscle antibody
- Cardiac troponin I antibody
- cardiomyopathy, dilated 2A (autosomal recessive) antibody
Anti-Cardiac Troponin I antibody [EP1106Y] (ab52862) at 1/1000000 dilution + fetal heart cell lysate at 10 µg
Goat anti-rabbit HRP at 1/2000 dilution
Predicted band size: 28 kDa
Observed band size: 28 kDa
Immunohistochemistry (Formalin/PFA-fixed paraffin-embedded sections) analysis of Human cardiac muscle tissue sections labeling Cardiac Troponin I with Purified ab52862 at 1:300 dilution (1.19 µg/ml). Heat mediated antigen retrieval was performed Perform heat mediated antigen retrieval using ab93684 (Tris/EDTA buffer, pH 9.0). ImmunoHistoProbe one step HRP Polymer (ready to use)was used as the secondary antibody. Negative control:PBS instead of the primary antibody. Hematoxylin was used as a counterstain.
ab52862 (purified) at 1:30 dilution (2µg) immunoprecipitating Cardiac Troponin I in Human fetal heart lysate.
Lane 1 (input): Human fetal heart lysate 10µg
Lane 2 (+): ab52862 & Human fetal heart lysate
Lane 3 (-): Rabbit monoclonal IgG (ab172730) instead of ab52862 in Human fetal heart lysate
For western blotting, VeriBlot for IP Detection Reagent (HRP) (ab131366) was used for detection at 1:1000 dilution.
Blocking and diluting buffer: 5% NFDM/TBST.
IHC image of Cardiac Troponin I staining in human heart formalin fixed paraffin embedded tissue section, performed on a Leica Bond system using the standard protocol F. The section was pre-treated using heat mediated antigen retrieval with sodium citrate buffer (pH6, epitope retrieval solution 1) for 20 mins. The section was then incubated with ab52862, 1/200 dilution, for 15 mins at room temperature and detected using an HRP conjugated compact polymer system. DAB was used as the chromogen. The section was then counterstained with haematoxylin and mounted with DPX.
For other IHC staining systems (automated and non-automated) customers should optimize variable parameters such as antigen retrieval conditions, primary antibody concentration and antibody incubation times
Flow cytometry analysis of A-673 (Human muscle Ewing's Sarcoma ) cells labeling Cardiac Troponin I (red) with ab52862 at a 1/30 dilution. Cells were fixed with 4% paraformaldehyde and permeabilized with 90% methanol. A goat anti-rabbit IgG (Alexa Fluor® 488) (ab150077) was used as the secondary antibody at a 1/2000 dilution. Black - Rabbit monoclonal IgG (Black) (ab172730). Blue (unlabeled control) - Cell without incubation with primary antibody and secondary antibody (Blue).
ab52862 at 1/250 dilution staining cardiac Troponin I in human cardiac muscle by Immunohistochemistry, Paraffin embedded tissue.
This product has been referenced in:
- Onwuli DO et al. The inhibitory subunit of cardiac troponin (cTnI) is modified by arginine methylation in the human heart. Int J Cardiol N/A:N/A (2019). Read more (PubMed: 30772011) »
- Guo L et al. Use of Human Induced Pluripotent Stem Cell-Derived Cardiomyocytes (hiPSC-CMs) to Monitor Compound Effects on Cardiac Myocyte Signaling Pathways. Curr Protoc Chem Biol 7:141-85 (2015). Human . Read more (PubMed: 26331525) »


text:
I'm About to Throw This Motherfucker in the Trash: Into the Water by Paula Hawkins
This is a new feature…Slightly retooled. I am resurrecting it. Ironic as this book centers around the supposed suicide of Nel Abbott. She takes a swandive off of a cliff, leaving a grieving 15 year old daughter and an estranged sister who arrives in time for the finding of her sisters body. Add into this a solemn deputy inspector, a somewhat persnickety mother whose daughter also killed herself, in the same river that Nel went into, and done other voices with far removed observations, and you have a head scratcher of a novel. I made it 120 pages into the advance, and I give up. I cannot take it! The characters are annoying, petty, and spiteful…In spite of, and not because of, their grief over Nel's death. Maybe Hawkins has some trump card that she whips out halfway through the book that would make it right, but I stopped caring about what happened to either of the ladies, and hoping something happened to these petty fools instead. I don't think that was Hawkins' intention, and I am calling Game Over on this one. I'll pass my advance onto someone else. For those waiting with breathless anticipation, it's out next Tuesday, May 2, via Penguin Random House.


text:
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1. From the Kintone Portal
2. When you first log-in to your subdomain
To start Users & System Administration from the Kintone Portal, click the wheel icon on the top black banner of the page, near the search window, and click Users & System Administration.
The Administrator navigation bar on the left side of the page contains links to functions such as adding departments and users.
Name departments or team within your company.
Select Users & System Administration from the Options menu.
Under User Administration, select Departments and Users.
Click New Department.
Enter your department name, select a language, and click Save.
Adding Team Members
To invite your colleagues to participate, add them as new users.
NOTE: Before you create any new users and their passwords, we recommend that you enable the Force users to change their password on first login option in the password policy. For details on how to change the setting, see "Security Settings for Kintone".
Select Users & System Administration from the Gear wheel Settings .
Under User Administration, select Departments & Users.
Click New User.
On the New User page, enter your colleague's display name, login name, and email address. You can also browse to a photo and enter other optional information such as time zone and language.
Click Save. The Create Password dialog box appears, where you can set a password for your colleague and send it via email.
Select whether to auto-generate a password for the user or enter one manually.
Select whether to Show Password and see the characters instead of ●●●●.
Select whether to disable password expiration.
To save the password and send it via email, click Create and Send via email and proceed to the next step.
If you do not want to send the email, you can save the password by clicking Create.
In the Send Password and Login Information via email dialog box, confirm the email address in the To field.
The email address that you entered in step 4 automatically appears in this field so you can edit the email address if needed.
Check the default subject and the text message, and edit them if required.
Click Send.
After adding the user, you can edit the user information by clicking the Edit icon next to the user's name on the Departments and Users page.
NOTE: You can assign a team member the Administrator role by clicking Administrators under User Administration.


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Passport Ornament with Stamps Personalized Christmas Ornament
Have you taken a trip abroad this year or do you have travel abroad planned for the future? Our passport ornament shows an open passport booklet, one side stamped with countries visited and the other side waiting for your traveler's names and the countries they visited. What a fun way to keep a travel diary! Each year as the Christmas tree is decorated, your travels are vicariously revisited with your personalized travel ornaments.


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I have been following the Incredible India campaign ever since it came into existence…at first with a lot of pride and later as the years passed by, with a growing sense of frustration.
Initially, the pride of being an Indian skyrocketed with the absolutely spectacular campaigns like this one that set Hollywood Movie titles against images from India – http://www.incredibleindiacampaign.com/lacampaign.html or this one at ITB Berlin – http://www.incredibleindiacampaign.com/itbberlin2007.html.
A lot of the frustration, however, has been the direct result of being a woman traveler. I just want to remind all those associated with this campaign that the world may have gone digital but my bladder hasn't.
Not very long ago, India's erstwhile Finance Minister Mr. Arun Jaitley sounded some promising bytes on the morning news when he talked about boosting the Tourism industry in the country. In February this year, India Today reported that Foreign tourist arrivals in India had surged by 13.6 per cent to 10.37 lakh by the end of 2016. In anticipation of the foreseeable boom, five special tourism zones have been included in the 2017-2018 budget.
Andre Gomez, Head of Operations – India, Hilton talks about plans to boost regional connectivity and encourage tourists to visit more places within India. Nice. Especially the part about regional connectivity – it reminds me about renal connectivity – about how my kidneys are irrevocably love-locked to my bladder and so on. Not good.
I understand and applaud all these wonderful and grandiose ideas about building up infrastructure, but in all these plans, I don't see even the remotest reference to building toilets for travelers. And please don't tell me you referred to the 'Swatch Bharat' campaign in your press notes – that was a passing reference that said basically nothing.
The less you speak about adventure sports and water sports the better – it just brings back unpleasant memories. I have had some scary adventures leaping over fences and escaping from leeches to get to safe places that provided me relief from my bladder blues.
As for the 'culinary experiences' you talk about, I have not had ANY for fear of NOT finding any loo within downloading distance. I don't even support the livelihood of those tender coconut and fruit stall owners on the road-side, for fear of being embarrassed by a bursting bladder.
While you're at it, please stop harping on the fact that India is the greatest destination for yoga. What's the use? When we (Indian and Western women) want to pee, yoga does nothing for us. Unless you guys know of some ancient asana that instantly freezes the insides of our bladders and turns all liquid to blocks of ice.
You guys ever heard of 'walking off the beaten track?' It's the latest traveling mantra now. Everyone does it, yes even Indians. Especially Indian women, not only because we have thousands of 'off the beaten tracks' in our country, but also because we NEED to get out of our houses and offices from time to time and actually walk off some steam.
Ask Mahindra and Mahindra…we bought our XUV based on the promise that as we grew older we could 'live young and live free.' Sad to say when my husband and I go driving into the distance, the first thought on my mind is not about how free I am, but how successful I'll be in freeing the tension in my kidneys – which, sooner or later stiffen in panic with the need to rinse themselves. The ensuing dilemma prevents me from enjoying my beautiful surroundings, the reason why I embarked on a road trip (and bought the XUV) in the first place.
My husband doesn't have that problem. He drinks loads of water and takes periodic trips into the woods and returns looking visibly happy and relieved. Plus, the view from Mars is a tad blurred and he cannot comprehend why I make such a big fuss about following his example. On Venus, we all empathize – that after giving birth to two kids, everything is not as flexible as it used to be.
As an avid traveler, there are countless journeys I have made on the road in India, USA, South-East Asia, and the Middle East. Every journey is mapped out choosing the best route. Except for my home-country, I have found clean restroom facilities after every few miles. They pop up on GPS's as well, proving that in most countries 'nature's call' does not necessarily mean license to pee under a tree.
There are only a very few tourist spots in India (I found one in Goa), where you come across decent washrooms with the 'pay and pee' facility. But this facility is almost non-existent in other places.
I fail to see why some of the famous tourist destinations in our country do not make this a mandatory tourist facility with round the clock maintenance and cleanliness.
Meanwhile, as travelers, it becomes our duty to leave the facility – wherever we may find it – as clean as we can for the next user. This cannot be stressed enough. We need to evolve into a civic conscious nation that believes and practices the adage -Cleanliness is next to Godliness. We might bristle in indignation when something like this is pointed out to us, but the facts remain unchanged. The examples are all around us.
Last year Lonely Planet's new book – 'The world's best toilets and locations.' advertised itself with the tagline "You can tell a whole lot about a place by its bathrooms." In a similar fashion, the internet is rife with stories from travelers about dirty toilets/lack of clean toilets around the world. Right now India features in all of them.
So what will it take for the ladies of this country – and all world travelers – to encourage the Incredible India campaign to view us and our bladders with a little more respect (and pity)?
This article was first published on Medium at: https://medium.com/@shalyp85/bladder-blues-why-road-trips-in-india-make-me-nervous-c8a503ea9f79


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The government of New Zealand has opened a competitive minerals tender process for companies interested in exploring for platinum group elements (PGMs) on five areas on the nation's South Island. Interested companies are invited to submit work program-based bids.
The launch of the tenders process followed consultation and engagement with native groups and local authorities between June 6 and August 1. The government is committed to ongoing engagement with native peoples and ensuring that areas of sensitivity are respected, David Binnie, general manager of New Zealand Petroleum & Minerals (NZP&M) said.
Companies interested in participating in the tender process have until April 2014 to submit staged exploration work program bids. NZP&M expects to grant the exploration permits in December 2014 for initial five-year periods.
Additional information about the tender process and maps of the tender areas can be accessed at: www.nzpam.govt.nz/cms/minerals/competitive-tender/2013/platinum-2013.


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We have come a long way since 1844 when vulcanised rubber was invented that is used in tyres today. Given the rise of road rage incidents and unfortunate accidents, it has become necessary to remain mindful while traveling. Travel mindfulness begins with being aware of safety measures associated with our vehicles. This is a dedicated page on caring for vehicle tyres.
Tyre Pressure
Ensure maximum tyre health by checking the tyre pressure every 15-odd days. Proper tyre pressure offers optimum traction and control. Tyres should never be under-inflated or over-inflated. under -inflated tyres cause damage, increase in fuel consumption and adverse vehicle cornering. Over-inflated tyres expedites tyre wear and tear, leads to frequent punctures and blowouts, and serious braking issues.
Tyre Check
Have a schedule to get the tyres inspected by local mechanics for damage and tear. Ride at moderate speeds when the tyre is new to avoid lean angles. Do not accelerate and brake rapidly. Similar logic is applicable with tyre valves. Valves develop cracks with usage and periodic checking is required to identify cracks. Ensure the valve cap is there at all times.
Do not drive your vehicle with overload. Overloading can cause tyre failure and lead to personal losses. Be aware of the maximum load the tyres in the vehicle can handle and do not exceed the mark.
Adequately maintained tyres last longer. When the tyres fulfill its purpose, replace it with from a verified vendor.


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Shelley Sargent is the Chair of Carlyle KidSport, a small chapter in Southeast Saskatchewan that has had a big impact on the communities in the area since 2003. As a principal at the Carlyle Elementary School, Shelley sat on the committee for the Child Action Plan nearly 20 years ago and saw a need to support the families and youth of Carlyle to stay active. That's when Shelley helped create the Carlyle KidSport chapter, and served as volunteer for many years while she worked her full-time job as principal and moving into her current role as Superintendent with South East Cornerstone Public School Division #209.
In her fifteen years with KidSport, Shelley has volunteered and helped organize many events and fundraisers, but the one that stands out most in her mind, is the local senior men's hockey team game on November 3, 2017. At this home opener game, the Carlyle PureChem Cougars decided to share their 50/50 winnings with KidSport—which was a guaranteed prize of $10,000. However, the 50/50 winner decided to give $1,000 of her $5,000 winnings to KidSport as well, for a KidSport total of $6,000!
"That was the largest, single contribution our KidSport chapter has had, and it covered all the approved applications we had this year," Shelley proudly exclaims.
Moving forward, Shelley is continuing to look for partnerships (like the one they have with the Carlyle PureChem Cougars) with local sports teams and community partners. Shelley offered, "Being a volunteer-run committee, we don't have the manpower to run a lot of events. The partnerships allow us to be sustainable, as we know each year that we have some secure funding for our KidSport applications." This summer, Shelley's goal is to partner with the Carlyle Cardinals and do another fundraiser during their large tournament, the Big Moose Tourney, held annually in the area.
When asked what she would say to others to encourage them to get involved with KidSport, Shelley responded:


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Ignore | Explore | Mobilize | Operationalize | Align | EMBED
In this final stage of CX maturity, companies have integrated CX into everyday decisions and practices. These companies are capable of delivering great CX because they have articulated and fulfilled their brand promises to customers and have clearly expressed their organizational purpose to both employees and customers.
Key Activities In This Stage:
- Regularly take the pulse of employees to make sure that your company's values remain vibrant.
- Monitor shifts in customer needs and expectations to ensure that brand promises continue to resonate with customers.
- Help the company maintain focus on CX as other priorities emerge in the business and compete for attention and resources.
Relevant Content:
- Suggest to key leaders across the organization that they subscribe to our monthly newsletter, and use this blog as an ongoing source of advice, inspiration, and innovation.
- Read our content on best practices research to identify improvement and innovation opportunities, take our assessments to evaluate your efforts, and follow our trends research to track where the market is heading.
- Landing page: Check out The Four Customer Experience Core Competencies to identify and learn about the competency that your organization should focus most on improving.
- Share these easy-to-understand (and free!) resources across your organization: infographics, videos, and eBooks.
Relevant Temkin Group Services:
- Research & Advisory Subscriptions: If you're looking for a multi-pronged approach to sustaining a customer-centric culture, a Corporate Subscription can help. First, you can use this subscription as an advice and innovation tool since it includes all our research into emerging best practices and all our benchmark data. It also includes a strategy session where our experts help you identify which areas could most benefit from CX improvements. And we make sure you stay on track, as well as provide feedback on areas of innovation, by offering ongoing inquiries you can tap into along your journey.
- Consulting: We will identify areas where you can accelerate your CX results during interactive design sessions.
- Speeches: Temkin Group can reinforce the value of being a customer-centric organization by delivering compelling speeches at events such as leadership offsites or all-company meetings.
- In-Person Workshops: To help you identify which business areas are ripe for CX innovation, we can run workshops for groups of employees across the organization.
- Public Workshops: We hold multiple public workshops that your new CX team members and CX ambassadors can attend to build their customer experience skills. For example, at the Driving CX Transformation workshop they will develop a strong understanding of what CX is and how to drive change, while at the Mapping And Improving Your Customers' Journey they will master the critical skill of customer journey mapping. You may also consider sending your CX and human resources teams to our Engaging Employees in a Customer-Centric Culture workshop to teach them how to innovate in this critical area.
- CX Institute Online Training: To help instill the mindset that customer experience is everyone's business and motivate employees to participate in driving CX change, deploy this training to all employees as part of your on-boarding process.
CX Competencies and Organization
Here is what a typical company looks like at this stage of CX maturity:
To identify your organization's stage of CX maturity and to evaluate your performance across all four CX core competencies, complete Temkin Group's CX Competency and Maturity Assessment.


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Well, here we are sitting in the cloisters of an old monastery getting out of the 37 degree heat of Rome. What an incredible trip we have had, and though we still struggle up or down stairs early in the morning because of stiff legs and ankles, I think we are getting back into shape and no longer in pain.
Over the past two weeks, we have been enjoying life in Italy, making brief forays off of the coast into Tuscany and now finishing up in Roma. It is hot but pleasant on the coast, mostly due to the breeze and the ability to jump into lovely water whenever we get a bit hot. In Tuscany and hear in Rome, it is barely tolerable. 41 degrees one day in Siena and 37 today make it hard to get out.
The most perplexing thing about Italy is the driving. Last weekend had 23 mortalities on the highways, and in just over 1,200 kms of our driving on highways, we saw four major accidents!!! Contrast this to Canada, where an accident is very rare. The cause for the accidents is easy to discern, drivers here are crazy. The speed limit on highways is 110 km/h. This results in about 25% of drivers going 70-90km/h, 50% going 110km/h and 25% going 150km/h. The faster drivers have a unique way of motivating slower drivers, they do not slow down when approaching a slower car, but almost hit the rear of the car in front and stick about 2 feet off of the bumper. This is a scary experience that we had several times, and makes the slower cars go a bit nuts trying to clear the way for the faster cars. We had several experiences where a slower car, in a bid to get out of the way of a faster car would quickly dart in front of us, missing our bumper by what seemed a couple of inches.
Add to the unique driving described above, what I can only assume is a heavy lunchtime drinking culture, and afternoon driving is a real test of nerve. About 2pm driving becomes more erratic, with 1 in 20 cars refusing to go into a lane and driving down the centre of highways or else trying to get three abreast on a 2-lane highway. Bear in mind this is all at 110 km/h and you get an impression of what is going on.
My favorite part of the crazy driving occurred on our way back to France. Lynn read one of the signs and said 'I think the sign says that there is a car on fire up ahead'. I laughed and didn't believe her or her translation abilities (Lynn wants me to write here that she is actually really good at Italian, which she is). What country would have a sign that alerts drivers that another car up ahead is on fire. Well, Italy does, and a few minutes later we passed a truck that, although not technically on fire, had been a few minutes earlier. Fireman were hosing it done, smoke was wafting in the air and other Italian drivers were trying to speed by on the margins of the road, lest they be delayed. This was a lesson, Lynn is actually pretty good at translating Italian and don't underestimate the regularity of bizarre traffic accidents.
Well, besides the driving, we have been very impressed with the Italian Riviera, enjoying lovely swims, great food and a beautiful location. I found some english books and have gobbled up a few classics and the last three weeks of the Economist. We are looking home to getting out of the heat and back to the temperate Rocky Mountains.
With this, I must be off…..


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Let's talk about a solution that suits you
"Why pay our tax debt with our mortgage?"
This is a question that most people have on their mind when the option is raised. Why pay tax debts with my mortgage? I thought I'd put some information down regarding this. On face value it may seem better to pay your tax debt with a personal loan. When you look deeper however, there are some inherent issues to consider, which I will go into below.
- Each lender makes a submission to ASIC under their credit licence. When they do this, they detail the type of lending they are offering. If a Tax Debt Mortgage is not listed and they deviate outside of their prescribed lending licence then the lender could have an ASIC regulatory issue. A personal loan might not be able to be classified as a tax debt loan for some lenders. This can affect their banking licence and that risk won't be taken.
- Okay. Are there any personal loans available to pay tax debt instead of a tax debt mortgage? The short answer is yes. The longer answer is that lenders offering these loans have limited capacity to pay tax debts. They can often only lend small amounts. In that case, you could commonly enter under an arrangement with the ATO. If you do that, you will most likely be offered a better interest rate by the ATO. In that case, there would be no benefit in establishing a personal loan to pay tax debt.
- Who are the lenders that can provide a tax debt loan to meet your needs? These lenders are generally not mainstream lenders such as the big four banks. They have generally been around for greater than 15 years and offer some specialty finance solutions. Importantly, their ASIC licence allows them to lend for tax debt purposes. Each of these lenders have very different fees and interest rates for their tax debt mortgages they offer. This means to get the best loan, an assessment would need to be completed. This is how we can identify the most cost effective tax debt lender for our clients and confidently apply for the tax debt mortgage thats suits.
- I have a tax debt judgement – can I still obtain finance? Yes, we have lenders who can assist even with large tax debt judgements.
- Use of your mortgage to pay tax debt allows for greater capacity to pay large tax debts. Often an extra benefit is that a tax debt mortgage is stretched over a longer term. This means you would have a better chance of meeting the payments required in the short and long term.
- Do I need to keep my tax debt mortgage with this lender? No. Usually the tax debt mortgage is a short term proposition, with a short to medium term goal of refinancing back to a traditional lender. This may be as a debt consolidation mortgage.
- Why don't I apply for a loan for another purpose and use it to pay for the tax debt? A big reason is that this would be fraud. That has the very real possibility to put you into deeper trouble. We do not do this for clients. A tax debt would be noted in your tax returns. One of the common lender policies is that the applicants need to have no tax debts. Therefore an inexperienced banker may submit your loan (to improve his submission stats for his boss) and your loan would be declined. Down the track though, the effect of this would be that you could be closer to receiving a tax debt judgement. Your loan term prospects for refinancing back to a traditional lender may be hindered because of this judgement.
We specialise at helping clients with this type of finance. You can imagine already that inexperience by your broker will only compound your situation. So contact The Loansaver Network. We deal with these issues on a daily basis and can provide the advice and solutions you need.
Tax debt and the ATO are not to be taken lightly. The ATO does bankrupt individuals and liquidate businesses often. Therefor, you need to put yourself into action to pay urgent tax debts as fast as practical. If you need any further information about using your mortgage to pay a tax debt, then contact Loan Saver Today on 1300 796 850.


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Vegan hummingbird cake just feels like the most springy of spring desserts. It's loaded with fruit (hello, so springy!) and full of warming spices for that last taste of winter.
This post contains Amazon affiliate links. As an Amazon associate I earn from qualifying purchases; read my disclaimer policy for more information.
What is vegan hummingbird cake, anyway?
Fear not, no birds were harmed in the making of this delicious cake. Hummingbird cake is a classic Southern spice cake made with bananas and pineapples. It was originally published in Southern Living in 1978, and since then it's been a classic Southern dessert staple.
There's a lot to love about this vegan hummingbird cake, and humming bird cake in general. This cake is:
- Moist and dense because it's made with oil instead of butter
- Packed full with pineapple bits, pineapple juice, and banana, which means lots of natural sweetness
- Filled and topped with pecans for a great hint of nuttiness
Despite the fact that I grew up in Georgia, I didn't stumble upon hummingbird cake until recently. I went to the most wonderful vegan diner in Eugene, Oregon called Cornbread Cafe and saw a slice of cake sitting in their dessert display. I actually got so stuffed on my southern style tofu sandwich that I didn't have room for that lovely slice of cake.
So… you know. I drove home from Eugene and started making vegan hummingbird cake at 9pm at night. Because why not? It's so quick and easy to make. And I had a brunch the next morning that I hadn't prepared anything for, so… hummingbird cake at 9pm on a Saturday night it was!
How do you make cashew cream cheese frosting?
Maybe this is an unpopular opinion, but sometimes I am just overwhelmed by the sweetness of frosting on a cake! So here's where I deviate a bit from the original recipe.
Cashew cream cheese frosting is a healthier, lighter alternative to the classic cream cheese frosting that usually comes with a hummingbird cake. Sugar is not the main ingredient in this frosting, so you can make it as sweet (or unsweet) as you want.
The cashews are a great complement to the flavor of the pecans, and they create a wonderfully smooth and spreadable frosting. All you have to do is add sweetener, cashews, and a bit of non-dairy milk to a food processor. Process until smooth, then ice the vegan hummingbird cake!
Ok – it's cake baking time!
Looking for more vegan dessert recipes?
- Southern Style Vegan Banana Pudding
- Vegan Cinnamon Rolls
- Cozy Peach Cobbler
- Vegan Zucchini Bread
- Vegan Strawberry and Lemon Muffins
Vegan Hummingbird Cake with Cashew Cream Cheese Frosting
Cake Layers
- 3 cups all-purpose flour
- 1.5 cups granulated sugar
- 1 teaspoon salt
- 1 teaspoon baking soda
- 1 teaspoon ground cinnamon
- 1/2 teaspoon nutmeg
- 1/2 teaspoon allspice (optional)
- 3 flax eggs (1 egg: 1 tbsp ground flax + 3 tbsp water)
- 1 and 1/2 cups vegetable oil
- 1 and 1/2 teaspoons vanilla extract
- 1 (8 oz) can pineapple tidbits, with juice
- 2 cups mashed riped banana (about 5 small bananas or 2-3 large)
- 1 cup chopped pecans, toasted (plus more for topping)
Cashew Cream Cheese
- 1.5 cups raw unsalted cashews, soaked overnight
- 2-3 tablespoons non-dairy milk, as needed
- agave syrup, to taste
- 1 teaspoon vanilla extract
Cake Layers
- Preheat oven to 350°F. When oven is preheated, toast chopped pecans on a cookie sheet for 8 minutes.
- Prepare flax eggs by mixing together ground flax and water. Let set for at least five minutes before using.
- Whisk together dry ingredients in a large bowl: flour, sugar, baking soda, salt, cinnamon, nutmeg, allspice. Add flax eggs and oil, just until dry ingredients are moist. Pour in pineapple tidbits with juice, mashed banana, and vanilla. Stir until just combined.
- Grease two 9" cake pans with cooking spray or vegetable oil. Divide batter evenly between the two pans.
- Bake in preheated oven for 30-35 minutes, or until toothpick inserted in the center comes out clean. Cool in cake pans on wire racks for 10 minutes, then turn out of pans and let cool for one hour.
Cashew Cream Cheese Frosting
- Soak cashews overnight, or for at least 6 hours (this allows them to soften.) Blend cashews in a food processor or high powered blender until smooth. Blending time will varying depending on the strength of your food processor. The blended cashews will form a thick paste. Pour in non-dairy milk, one teaspoon at a time, until a thin, spreadable consistency is reached. Stir in vanilla. Add in agave syrup to taste. Spread evenly on both cake layers.
Did you make this recipe?
Tag @cozypeachkitchen on Instagram and hashtag


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By: Emma J. Fennelly, Spring 2019 HeLP Legal Services Clinic Intern
In the HeLP Clinic, we serve children and their families that live below 200% of the Federal Poverty Line. These families are predominantly insured by Medicaid. However, many Americans with health insurance still experience health-related financial problems. In a 2016 study of medical debt, the Kaiser Family Foundation and The New York Times found that, of those with insurance who reported having trouble paying their medical bills, 63% said they had used up all or most of their savings; 42% had taken on an extra job or extra hours; 14% moved or took on roommates; and 11% turned to charity. The rising cost of healthcare in the U.S. is one of the greatest contributors to financial plight felt by many Americans. A 2016 Gallup poll found that 27% of individuals identified affordability of healthcare the nation's most urgent problem.
The concerning thing about healthcare costs in the U.S. is that we don't receive better treatment outcomes or a greater quality of care than other economically developed nations, despite spending significantly more both as a percentage of GDP and per capita. According to data from the Organization for Economic Cooperation and Development, in 2016 the U.S. spent 17.2% of its GDP and $9,829 per capita on healthcare, while the U.K. spent 9.7% of its GDP and $4,192 per capita, and Canada spent 10.6% of its GDP and $4,753 per capita. However, in a healthcare study among 13 high-income countries that investigated a range of factors including life expectancy, infant mortality, chronic health conditions, and obesity rates, the U.S. ranked last in healthcare outcomes. So, what exactly are we paying for? Unfortunately, there are varying drivers contributing to the rapidly increasing costs of healthcare in the U.S., and a quick fix is not on the horizon.
When addressing rising healthcare costs, we must first dispel some of the myths surrounding the issue. Population growth, while contributing to overall spending, does not increase spending per capita, where we significantly outpace other countries. Additionally, the changing nature of disease is not a key driver. While some illnesses are more prevalent, the U.S. has actually taken steps towards prevention and treatment of chronic conditions, cancer, and HIV/AIDS. Even tobacco use has declined among Americans in recent years. We aren't simply unhealthy. Finally, there is a belief that malpractice and the fear that a doctor or hospital could be sued at any moment make healthcare costs surge. This is not the case either. In fact, malpractice accounts for less than 1% of healthcare costs.
Probably the single most important driver of healthcare costs in America is the price per unit of healthcare consumed. We pay more for procedures just for being in the U.S. For example, the same 2016 study that observed 13 high-income countries and their healthcare systems found that a CT scan in Australia, costing an individual there on average $500, would cost an individual in New Zealand $731, and an individual in the U.S. $896. Additionally, an appendectomy in the Netherlands would cost you $4,995, while it would cost you $9,845 in Switzerland and $13,910 in the U.S. Finally, a bypass surgery costs $15,742 in the Netherlands, $40,368 in New Zealand, and $75,345 in the U.S.
The reason we pay so much more for the same treatments is attributable to our next largest driver, the structure of our healthcare market. Dominant healthcare providers use and abuse the healthcare market. While the free market is intended to promote competition and control prices, geographic monopolies give large providers complete control over healthcare price. You will find that in one given region, the predominant providers are all part of one overarching system, which can include health insurance providers, hospital care, specialty physician services, and primary care providers. Market concentration and mergers enable these providers to demand higher prices and suppress competition.
Finally, third-party payers and doctors' incentives often leave healthcare consumers without meaningful choice in their treatment. Under existing models, doctors receive more money for using certain technologies and performing certain procedures than they do for using their cognitive skills and giving advice. Thus, most physicians are financially incentivized to use the latest (and most expensive) technology without much regard as to how much that technology is actually worth. Additionally, third-party payers make patients less likely to have very much regard for the price of their treatment at the point of service. Further, consumers' lack of medical expertise and knowledge of prices or alternative treatments limit efficiency as well.
In conclusion, these are only some of the drivers contributing to inflated healthcare costs. There is not one simple solution to such a complex problem. However, the resolution of this issue will take a systematic change in the healthcare market. To lower these exponentially increasing costs, our policymakers must promote competition with anti-trust enforcement, preventing huge mergers and healthcare monopolies. Rates must be regulated, perhaps treating providers as government entities and capping prices. From the grassroots level, the patient-doctor relationship needs to be more of a collaborative effort where both parties are informed of all options and their potential outcomes. While there is not one easy solution, there are many steps that could take the U.S. healthcare market in the right direction.


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Roddickton Foreclosures & Power of Sale
Buying a house from foreclosure listings can possibly be a great way to buy a home or investment property at a huge discount! So, why don't more people make the most of this untapped market of houses? Largely this is due to lack of know-how about the procedure or fear from misinformation they may have heard about buying a foreclosure. Foreclosuresearch.ca is a fantastic resource to learn about the foreclosure market and how best to negotiate a deal that suits your unique needs. Click below for foreclosures, power of sale and bank owned homes in Roddickton.
How can I find foreclosures in Roddickton?
I use Foreclosuresearch.ca for my foreclosure needs because it is a one stop shop so to speak for learning about the market and foreclosure process as well as lists of available properties with pictures and descriptions.
This saves me a lot of time and effort. I don't have to search the internet for many hours looking at different Realtors websites sifting through houses in Roddickton that are definitely not foreclosures or don't fit what I am looking for.
Other options for finding foreclosed apartments is to get in touch with your local bank to see if they are holding properties in their portfolio or to contact a local Realtor that specializes in foreclosure listings. Many Realtors will list whatever property they can get their hands on but they may not be well versed in the foreclosure buying process so you need to be enlightened before going in.
How to buy a bank owned house in Roddickton with bad credit.
Let me start by saying that shopping for a foreclosed house in Roddickton with bad credit is conceivable!
You have the possibility to buy a house for cash at a real estate auction. Your credit doesn't play a factor at all because you are not taking out a loan. Not everyone has this sort of money lying around though so lets think about other options.
Research federal home buying programs. There are many programs in the market again to support those with low salaries or poor credit to buy homes.
Search for houses in Roddickton and search for loans with low down payments. Save up money for your down payment but expect to pay a slightly higher interest rate because of your lower credit score. You should be able to remortgage in a number of years after making on time payments to get a lower rate.
How to buy a foreclosed condo in Roddickton, NL.
The very first step is to get pre approved for a mortgage through a bank of your choosing or scrape together enough money to buy a property through an auction for all cash.
Next, find condos in Roddickton, NL that you are interested in. Find a Realtor that specializes in foreclosures and will be able to help you through the technique of buying.
If you have questions about the process, I would consider speaking with a real estate or foreclosure attorney before purchasing to make sure you understand the process and the ramifications of investing in foreclosed properties.
One thing that needs to be considered before you buy is that some foreclosure properties are not open to having a home inspection done before buying and/or the bank that owns the property may not agree to make any repairs. This could end up costing you some money to make the repairs after purchasing. This is the only problem in my opinion when buying foreclosed homes.
How long does it take to buy a bank owned home in Roddickton?
This depends upon how you are buying the real property. Properties that are bought in cash at an auction are turned over within a week or two maximum depending upon how long it takes your funds to move to the bank and the title to be completed. Personally, I have had properties transfer to me within three days.
If you are buying a property through a mortgage then the closing process takes a small bit longer. My experience has been around thirty days to closing, which is pretty regular when purchasing a property.
Are there reasons not to buy a bank owned home?
repo houses are usually sold "as is," indicating the bank is not willing to make any repairs before offering the property. This means that any repairs could fall back upon the new owner to take care of. Sometimes the repairs are small-scale and other times they are huge.
Often a foreclosed property in Roddickton NL has sat uninhabited for some time so maintenance has been ignored and will need to be dealt with immediately.
Sometimes, just because the title has changed to a new owner doesn't mean that all difficulties have vanished. This is the significance of having a title search done well before buying a property since liens or lawsuits could be attached to the property and you could inherit them without understanding it.
How to negotiate for bank owned homes.
Diligence is key here! The bank is in business to make money so they will be trying to get the highest possible price for the house that they can.
Remember that working with banks is a mechanical process and usually taken care of by computers and not real people. This can be annoying for you the buyer but it is what it is. At some point if you are persistent the bank will likely cave if they have no other offers because they know they need to transfer the property quickly.
Are Roddickton bank owned homes good or bad?
This all depends upon your goals and the risk level that you are willing to accept. If you are willing to take on the prospective repairs yourself and not count on the bank to pay for them then this is a great deal!
Remember to do your homework on foreclosures and on your property before acquiring to know exactly what you are getting involved in.
Power of Sale Introduction
There are numerous things you might not know about the power of sale. When do you understand you are confronted with a power of sale or foreclosure in Roddickton, and how do you know if it is the ideal financial investment for you? Offered listed below are responses to seven frequently asked questions concerning the power of sale, and how it can assist you make educated purchases in Newfoundland.
Exactly what is power of sale or foreclosure?
This is a term that few everyday people have become aware of. If you are interested in investing in real estate, specifically those on the foreclosure market, then you want to be familiar with this term. A power of sale is a clause that is composed into a home mortgage which enables the lender to sell the property in case of default to repay the mortgage debt. It technically is the provision that enables foreclosure on a house when a debt is not paid. This kind of sale takes place so that the lender, which is usually a bank, can recuperate losses that they incurred by the loan default.
A power of sale likewise refers to the power revealed or suggested in a trust arrangement permitting the trustee to offer the financial investment consisting of the trust.
Generally, this provision in a mortgage or trust enables the lending institution to sell the home without going to court to do so. It is a kind of faster way to allow healing much easier and much faster. For those looking to purchase foreclosed house, this is much easier as the lender does not have to go through the courts to make the sale occur.
If you are aiming to purchase a power of sale foreclosure house, there are some advantages. This includes an expedited procedure. Usually a foreclosure through the courts can take a great deal of time; whereas those that go through an agreement provision can be much quicker.
Where can you find power of sale homes?
It is actually much easier than you think to discover power of sale homes. In Newfoundland, as in all of Canada, the normal procedure is to offer the home by power of sale, which differs from most of the United States which has the tendency to go through the courts for a foreclosure. Usually, when a house is being sold through power of sale, it really goes through a real estate agent. That makes it simple to find houses under power of sale. A real estate agent, or other realty sites, will likely have listings of power of sale homes in your area.
How do you purchase a foreclosed houses in Newfoundland?
It is an excellent option to purchase power for sale foreclosures in Roddickton Newfoundland. The procedure is pretty fast and easy. The procedure for the sale is typically set out in the home mortgage, so they may vary a little bit differently for homes depending upon the lending institution.
In Newfoundland, there are 2 types of power for sale – legal and statutory. A legal power of sale is when the home mortgage documents have actually included the power of sale clause. A statutory power of sale is when the power of sale clauses is not included, however these are very unusual.
The general procedure includes:
Notice given to the customer after fifteen days of default
Notification provided to anyone who has an interest in the residential or commercial property
For legal power of sales, the customer has 35 days to pay, if statutory, the customer has 45 days
As soon as the period ends and the default is not remedied, the lender can sell the residential or commercial property
The property can be sold by auction, personal contract, or by tender. The property is generally noted with a realtor and placed on the marketplace for sale using multiple listing service (MLS).
The ownership of the residential or commercial property will change hands only if the residential or commercial property is sold. This is likewise not a fire sale, although it is quicker than a court process. The deals from the buyers like you are thoroughly analyzed, and the present owner may request an accounting.
How do you discover power of sale listings?
Among the best ways to find a power for sale listing in Roddickton is to make use of an outstanding MLS. These services are available on line and offer an excessive amount of listings so that you can discover the precise home you are searching for. A site, such as foreclosuresearch.ca, can provide you with all the listings in Newfoundland under power of sale. Websites like this one allow you to browse in your area for power of sale residential or commercial property, in addition to the timing and expenses involved.
Are foreclosed homes less expensive?Generally, power of sale houses is cheaper than going through a person simply offering their home. This is due to the fact that the bank just wishes to not lose on the deal. They want to make the cash back that they have lost from the default. In Canada, any money from the sale is given back to the homeowner, however if there is a shortage, the owner is responsible for the difference.
For more information on buying foreclosed properties please check the information here. Always use the services of a real estate agent when buying or selling any type of property in state. Find a local agent here. A lawyer might be a good idea too.


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Update - April 5, 2017
Hello alums:
We are now half way between picnics. The committee has reviewed our status and all agree we should have one more. Several changes have taken place at Crown, and because of it we hope to see a few new people at this next event. Please don't tell yourself "I'll just go to the next one" because we don't know how many more there will be. People are retiring, moving away, and passing at a higher than normal rate. As we all age together and see the changes made in the CROWN family (people and even structural buildings), we are now all CROWN'S alumni. Every employee, past or present, is welcome to this and any future CROWN Alumni Picnics, no further attendance restriction.
At this point we can say with some assurance that it will once again be held in August at Oxbow Park in 2018. If any of you would like to suggest a new venue please pass it along to a committee member and we'll consider it.
- Committee members are:
- Dave Stuber
- Jim Wordinger
- Jan Smith
- Scott Rombke
- Tom Sneddon
- Tom Szerencse
If you look at the bottom of the "Who we are" tab you will see 2 links, one to the event coordinator (Tom Sz) and the other to web admin, Tom Sneddon. Send your e-mails there and we'll take over from there. Be sure to include your sending address so we can respond.
We now have the photo's posted from our 2015 event so be sure to check those out. Hit the "Photo Album" tab and it will guide you in. Also there have been recent additions made to the Crier tab. Special thanks go to Ian Sindell, the professional photographer at the event. It was his first year and the photos he took were high quality. Also special thanks go to Terry Bird and Tom Sneddon for all the work scanning and posting Gerald's private collection of Criers. We have recently added a few more. The Fire Anniversary issue and the Memorial issue of Mr Moore's passing. Also a few from the 1990's. Does anybody have any from the 91 Special Olympics time frame? I bet those would be interesting to several of us. Seems Libby was the editor at the time.
In closing let me announce the surprise passing of Edwin Moore, Clarence and Ruby Moore's son. He worked at Crown in the early days and built the WFRN Christian radio station complex. Say a prayer for him and the family when you have a minute. He passed in Feb of 2017.
We all look forward to seeing you at the 2018 event. Feel free to drop me a line if any Alumni have any prayer requests. The more people pinging God the better ☺.


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National Aquatics Center
The National Aquatics Center is a location from Mario & Sonic at the Olympic Games where all events from the Aquatics category are held. It is based on the actual location in Beijing, China. The stadium is gigantic and filled with Toads, Flickies, Piantas and Chaos all cheering on a team in a rectangular formation. There are flags of each and every character waving around in the audience showing which groups support which character. In the very middle of the stadium is a giant swimming pool which has been divided up into eight different lanes with diving boards at the beginning and lane ropes in between for the swimmers to swim in when the race begins. The characters line up behind the diving board and when it is their turn to dive in, they go up to the front, bend over and jump. They must then swim to the end of the swimming pool, do a switch turn off the wall, and swim back to the diving board. If it is 4x100m Freestyle then the next player must dive in and continue the race unless they are the last in which case the race can just end.


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Course summary
Adobe Photoshop Level 2 - 1-day private course for intermediate users of InDesign, delivered on-site or off-site
Designed for professional illustrators and graphic designers looking to leverage the full potential of the Photoshop software, this Adobe;Photoshop Level 2 course provides delegates with the skills to create more sophisticated, high impact visual media.
The private programme is typically delivered on-site for groups of staff requiring advanced Photoshop knowledge for their professional roles. Delivered over the course of one day, it takes a hands-on training approach and uses numerous practical exercises to help participants enhance their proficiency in using advanced features including:
By the end of the training, trainees will have developed both skill and confidence in using such features to create powerful visual media. Though the standard course has a set outline, organisations can choose to further customise the content in order to meet a specific need.
Insight IT Training can arrange for the training to cover any version of the Adobe Photoshop software.
This course is suitable for professional graphic designers and illustrators who would like to advance their Adobe Photoshop skills.
Delegates should have attended the Adobe Photoshop Level 1 course or have an equivalent level of knowledge.
Each trainee will receive a Certificate of Attendance.
Standard course content includes:
Creating Raster Images
Working with Vector Image Tools
Using Advanced Layer Techniques
Automating Tasks
Creating and Editing Video
Insight IT Training delivers standard Photoshop courses at Level 1 and Level 2. These programmes can also be tailored - in content, format and duration - to meet your exact needs.
Our prices are all inclusive and the same for any;location in the UK. Prices options are available for training 1 or 2 people and a group of between 3 to 6 people.
A family-run business established in 1998, Insight IT Training is a specialised provider of customised IT, Programming and Business Skills courses for companies across the UK. As an exclusive provider of private (in-company) solutions, Insight IT Training are dedicated to...
Find out more about this Adobe Photoshop Level 2 course - simply fill out your details:


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Ends: 11/30/2020
The Falling Rivers Gallery is Albemarle's premier location for one-of-a-kind works of art, gifts, cards, prints, jewelry, pottery, and more. The gallery is a cooperative sales and exhibit venue, staffed and managed by volunteer member artists.
In 2011, the guild established an Arts Center within the Falling Rivers Gallery serving the community with creative and educational workshops and demonstrations.
119 West Main Street
Albemarle, NC 28001
Contact Person
Year Round
- Tours: Self guided
Local Information
Stanly County Convention & Visitors Bureau
Stanly County


text:
Written by Matt Baker
Work of Matt Baker
264 pages (Hardcover),
published by unknown publisher
Illustrated with photographs.
Language: English
(35 entries)
|Comments & References
|introduction\n\nmatt baker 2019 Matt Baker
|prologue\nintroduces the three protagonists of the book\nmatt baker 2019 Matt Baker
|acknowledgements\n\nmatt baker 2019 Matt Baker
|card college\n- first phase: magician can accurately estimate the number of cards in a packet cut off by spectator - second phase: magician can accurately estimate the number of cards in a packet cut off by spectator and hidden in pocket, after cards have been shuffled - third phase: magician can name every card in a packet previously placed inside the card box, unseen\nmatt baker\n"blind estimation" (luis otero, cartificios, dvd) 2019 Matt Baker
|Card College
|casablanca\nspectator predicts which card magician will freely select, magician divines card selected by spectator\nmatt baker\n"kismet" (michael vincent)\ndouble thought\nal koran 2019 Matt Baker
|location sensing device\nmagician locates spectator's card, and vice versa\nmatt baker\neverybody's lazy\nsimon aronson 2019 Matt Baker
|Location Sensing Device
|spread cull force\n\n unknown 2019 Unknown
|Spread Cull Force
|tilapia\ntwo spectators each think of a card, magician slowly divines each selection without wrong statements, includes versions built into tamariz and aronson stack\nmatt baker\n"think-a-card in the aronson stack" (simon aronson, unpublished, 2016)\nsimon-eyes\nsimon aronson 2019 Matt Baker
|variations part i (the buena vista shuffle club)\ndiscussion on the memorized deck\nmatt baker 2019 Matt Baker
|Variations Part I (The Buena Vista Shuffle Club)
|histed hoisted\n\nmatt baker\npeter w. tappan\n"histed heisted" (simon aronson, the card ideas of simon aronson) 2019 Matt Baker, Peter W. Tappan
|Histed Hoisted
|elementary, my dear vernon\ndivining a selection by eliminating the impossible, followed by ending with a triumph\nmatt baker\ntriumph\ndai vernon\nsherlock\npit hartling 2019 Matt Baker
|Elementary, My Dear Vernon
|drunken shuffle\nslop shuffle\njerry andrus 2019 Jerry Andrus
|Drunken Shuffle
|daryl's triumph display\n\ndaryl martinez 2019 Daryl Martinez
|Daryl's Triumph Display
|clue\nmentalism routine themed around the game clue, magician predicts the murderer, the weapon and the location of a murder\nmatt baker 2019 Matt Baker
|say anything\nlie detector effect, end with magician showing prediction in an envelope of a random word thought of and written down by spectator, prediction is printed letter by letter on cards\nmatt baker\nthe anything deck\npaul harris 2019 Matt Baker
|Say Anything
|variations part ii (the buena vista shuffle club)\nchapter intro\nmatt baker 2019 Matt Baker
|Variations Part II (The Buena Vista Shuffle Club)
|foiled by the origami test, saved by the lemon law\npresentation idea for the bill in lemon routine, with a brief description of the method\nmatt baker 2019 Matt Baker
|Foiled by the Origami Test, Saved by the Lemon Law
|three coin monte\nstandard monte plot, but done with coins, one of them with an x drawn on it, ends with the target coin in coin pouch\nmatt baker 2019 Matt Baker
|Three Coin Monte
|monte coin hype move\nstandard hype move for three card monte, but done with coins\n unknown 2019 Unknown
|Monte Coin Hype Move
|coin switching envelope\ninstructions to construct a double ended envelope for switching coins\n unknown 2019 Unknown
|Coin Switching Envelope
|hive mind\nspectators help create a prediction about the number of coins held by two spectators (pennies, quarters, nickels and dimes), mathematical principle based on red/black relationship principle\nmatt baker\n"the intuition test" (dr larry hass, deep mental mysteries) 2019 Matt Baker
|Hive Mind
|quantum matrix\npresentation idea for classic coin matrix effect, four coins and four cards, backfire ending, uses siamese coins gimmick by mike gallo\nmatt baker\nmatrix\nal schneider 2019 Matt Baker
|Quantum Matrix
|banned for life\nvariation on shuffle bored, done as a real time skill demonstration of card counting for casino cheating. magician can tell number of cards face up, number of red cards, and the total sum of the values of the red cards includes a magician-fooler method using "rounders" gaffed cards, idea by barrie richardson, which is basically stripper deck but with rounded corners\nmatt baker\nbarrie richardson 2019 Matt Baker, Barrie Richardson
|Banned For Life
|subconscious shuffle tracking\nmagician cuts to spectator's selection, then spectator stops and finds their own selection, then magician cuts to the three other mates\nmatt baker 2019 Matt Baker
|Subconscious Shuffle Tracking
|mahatma control\nminor modification\n unknown 2019 Unknown
|Mahatma Control
|rolling-stock production\nflashy production of card originally on top of the deck\njustin higham 2019 Justin Higham
|Rolling-Stock Production
|bullet catcher production\napparently find four of a kind in the deck\njohn bannon 2019 John Bannon
|Bullet Catcher Production
|gilbreath poker\nboth spectator and magician deal five hands of poker from their cards, each deal a good hand to an imaginary player, leaving the best hand for themselves\nmatt baker\nthe ultimate gardner-marlo\nsteve mayhew\ngilbreath's second principle\npersi diaconis\nron graham\nronald a. wohl (ravelli)\nherb zarrow 2019 Matt Baker
|Gilbreath Poker
|triple-fried\nthree cards selected by three spectators through a lot of dealing, magician then divines all three selections, can be done with memorized deck or a special stack\nmatt baker\nanimal, vegetable and mineral\nalex elmsley 2019 Matt Baker
|pile driver\ncomplicated mathematical version of the twenty one card trick, based on principle by edmé-gilles guyot\nmatt baker\nfrom gergonne to gargantua\njoseph diez gergonne 2019 Matt Baker
|Pile Driver
|variations part iii (the buena vista shuffle club)\nchapter intro\nmatt baker 2019 Matt Baker
|Variations Part III (The Buena Vista Shuffle Club)
|avenging mandelbrot\nmagician finds two selections after haphazardly dealing the deck and reassembling them\nmatt baker\nneither blind nor silly\njuan tamariz\nfeurio\npit hartling 2019 Matt Baker
|Avenging Mandelbrot
|s.o.l.\ncard selected by spectator under very stringent conditions, magician is still able to divine its identity, x-ray case\nmatt baker 2019 Matt Baker
|outlier\ncard freely named by spectator, spectator then selects a card from the deck. rest of the deck is shown to be duplicates of another card, but the selected card is the named card, uses a double decker deck\nmatt baker 2019 Matt Baker
|quick reference guide\n\nmatt baker 2019 Matt Baker
|Quick Reference Guide