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Gramm-Leach-Bliley Financial Services Modernization Act of l999
A press release from the Senate Banking Committee on April 28, l999 stating that the Financial Services Modernization Act was formally file in the Senate would initiate major changes in several areas of the financial industry. Senator filed the bill
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Phil Gramm, chairman of the Senate Committee on Banking, Housing and Urban Affairs, and passed on March 4th by the Banking Committee. (banking.senate.gov) On
November 12, l999, President Clinton signed the bill into law, formally named the Gramm-Leach-Bliley Act (GLBA), subsequently known as the Financial Services Modernization Act of l999.
In an effort to minimize confusion and maximize essential content, I have divided the explanation of the GLBA in two sections; the first will cover the "competition"
portion of the act and the second, the "privacy."
Competition Among the Financial Industry:
The Gramm-Leach-Bliley Act repealed the Glass-Steagall act of l933, which was written in reaction to the economic problems following the Great Depression. The Act
was comprised of two separate laws; the first took the United States off the "gold standard," (a monetary system) and considerably increasing the ability of the Federal
Reserve to influence the money supply. The second law enacted, was to make banking safer and less prone to speculation, separated the activities of commercial banks and
other financial institutions and introduced the Federal Deposit Insurance Corporation (FDIC). (wikipedia)
Reshaping the financial services industry would necessitate removing barriers between banks, insurance companies, loan companies, credit card issuers, credit bureaus and investment firms to enhance competition and create a healthier economy. The Act
provides these entities with flexibility, functional regulators; the banks would be regulated by banking regulators, the insurance companies by insurance regulators, etc., and a conventional means for synchronization between the Federal Reserve and the Secretary of Treasurer concerning approval of new financial activities. (library.findlaw)
The GBLA provides a prudent, uncomplicated route to "financial integration." It
authorized a financial holding company (FHC), which is a primary entity, linking commercial banks with securities firms, insurance companies, and depository banks.
Examples of integration is, with this act, a commercial bank and depository bank can offer insurance products; investment companies can offer retail services (ex. checking and savings accounts), banks can offer investment services (ex. mutual funds); and credit card companies, like American Express, can offer insurance and depository products.
Establishing the framework allowing banks to affiliate with varied financial services firms was a significant expansion for competition. The Federal Reserve still closely regulates banking activity, and serves as a conduit to protect banks form any unwarranted exposure to risk from other affiliates. These new products could be done within the bank, but in the beginning a vast amount were sent out to holding companies or bank subsidiaries, however recent times have seen "all" services under one "roof" for
customer convenience. (frbsf.org)
Many thought the GLBA would create a surplus of "universal banks, "with mega profits for financial institutions and immense savings for customers. According to a
recent article in the Regional economist, the main benefit the act allows is for banks to utilize the revenue "efficiencies and cost savings," that come from offering a myriad of financial products. The article compares this situation to a grocery store that houses a
pharmacy and video rental department. The stores profits multiply because the shopper,
buying the groceries, finds it expedient to also get their medicine and a video at the same time. Similarly, customers can go to their bank, cash a check, buy life insurance and apply for a loan all at the same time. (Regional Economist)
The GLBA does provide some restrictions to separate between investment and commercial banking operations. One item is that licensed bankers must have separate
business cards, for example, "Personal Banker, Wells Fargo," and "Investment
Consultant, Wells Fargo Private Client Services." (wikipedia)
Supporters of the GLBA claimed the act would save consumers billions, but
some analysts said there would be only a "minor effect" on the financial services
industry, because gains and cost savings from a universal bank are minimal. Several years have passed since the GLBA was enacted and the statistics suggest "the effects of the law have been modest; consequently, banking customers should not expect significant price reductions for their primary financial services." (Regional Economist)
The correlation of financial services industry was slower than expected. Retail banks tended not to buy insurance underwriters, but engaged in the more profitable business of insurance brokerage, selling products of other insurance companies. Brokerage companies had a difficult time delving into banking; they did not have the space. It seems like banks are, for the most part, offering the same products they did before the GLBA.
Taking full advantage of the law would necessitate the institutions becoming financial holding companies. The banks that have complied to becoming a holding company are the large "money-center" banks, like Citigroup, Bank of America and JP Morgan Chase. One reason smaller banks are not becoming holding companies is because the ones that did, only showed diffident revenue changes. The GLBA "is a further step in the evolutionary process of financial deregulation," any progressive step
shows a positive impact emanating from the Financial Services Modernization Act. (Regional Economist)
Privacy Provisions:
Protecting the privacy of customer's information held by "financial institutions" is
the foundation of the financial privacy provisions of the Gramm-Leach-Bliley Act.
Companies are required, by law, to give consumers a privacy notice that implicitly reveals the institutions "information-sharing practices." (ftc.gov) The information collected about the consumer, such as, where the information will be shared, how the information is will be used and how the information is protected. The notice must identify the consumer's right to "opt-out" of the information being shared under the Fair Credit Reporting Act. The GLBA, also has a no opt-out provision for several situations,
for example, a financial institution shares information with companies that provide data
processing or servicing accounts, disclosure is legally required; and financial institute
shares data with outside service provider that market the financial company's products
alternatively, services. Financial institutions are prohibited from disclosing their customer's account numbers to non-affiliated companies for telemarketing, direct mail marketing,
in addition, marketing through emails. (ftc.gov)
Enforcing the law falls on the Federal Trade Commission for "financial institutions," which includes loan brokers, investment advisors and debt collectors, check cashers,
advisors and debt collectors, check cashers, and finance companies that are not covered by the federal banking agencies, Securities and Exchange Commission, the Commodity Futures Trading Commission and state insurance authorities.
The GLBA consists of three privacy sections: The Financial Privacy Rule, which
regulates the collections and disclosure of private financial information; the Safeguards
Rule, which stipulates that financial institutions must execute security programs to
protect such information; and the Pretexing provisions, which disallow the practice of
pretexing (using false pretenses to access private information). (searchcio)
The Financial Privacy Rule provides for a privacy policy agreement between the company and the consumer/customer pertaining to the protection of the consumer's personal nonpublic information. (wikipedia) All customers are consumers, but not all consumers are customers. "A consumer is an individual who obtains a financial product or service from you that is primarily for personal, family or household purposes." "A customer is a type of consumer, namely, an individual who has an ongoing relationship
with you under whom you provide a financial product or service." (ftc.gov) Business' and individuals who obtain financial products for business purposes are not deemed
a consumer or a customer under the Financial Privacy Rule.
Distinguishing consumers from customers is relevant because the responsibilities
to provide notices differ in several instances:
* All customers must receive initial privacy notices.
* Initial notices to consumers must be given, who are not your customer only if you
intend to disclose nonpublic, personal information to a third party.
* Annual privacy notices must be given to all customers as long as they remain your
* You are never required to send annual notices to consumers who are not your
The Federal Trade Commission, as part of the GLBA, issued the Safeguards Rule,
effective May 23, 2003. This Rule requires financial institutions, within the FTC's jurisdiction, to secure customer records and information. All businesses that are "significantly engaged" in providing financial products or services must comply. The companies are also responsible for their affiliates and service providers to safeguard their customer's information. A comprehensive, written, security program must be in
that describes, in detail, the financial institution's plan to safeguard customer's information. The plan must be pertinent to the financial institution's size and complexity, scope of their activities, and sensitivity of the customer's information it handles.
The company's plan must:
* Designate one or more employees to co-ordinate the safeguards.
* Identify and assess the risks to customer information in each area of operation,
evaluate the effectiveness of the current safeguards for controlling these risks.
* Design and implement a safeguard program and regularly monitor and test it.
* Select appropriate service providers and contract with them to implement
* Evaluate and adjust the program, if any company circumstances change.
The Safeguards Rule is intended to do what most businesses should already be doing,
"protect their client." (wikipedia) The Rule simply forces the financial institution to
look closer at how they manage private data and essential risk management.
When developing their information security plan, the financial institution should
look at its impact in all areas of operations, including employee training, internal information systems and managing systems failures. To assist in complying to their
plan, they may want to do the following:
* Complete background checks on employees who handle information.
* Have employees sign agreements stating they will follow the security information
* Password protection on computers, changing passwords routinely.
* Limit access to customer information to only authorized personnel.
* Secure all documents when unattended. (recall.com)
Pretexing is "the act of creating and using an invented scenerio (the pretex)
to persuade a target to release personal information, often used to trick a business
into disclosing customer information." (wikipedia) The Gramm-Leach-Bliley
Act purposely addresses pretexing as an illegal act punishable under federal statues. The law requires financial institutions to take every precaution necessary to protect and preserve consumers and associated their nonpublic information. The pretexing provision of the GLBA does not only apply if the pretexer is getting "financial information," it states that getting any personal, nonpublic information from a financial institution or the consumer, by pretexing, would be in violation of the law. (documents.bmc)
The GLBA states that it is illegal for anyone to:
* Use false, fictitious or fraudulent statements or documents to get customer
information from a financial institution or directly for a customer of a fiancial
* Use forged, counterfeit, lost or stolen documents to get customer information
from a financial institution or directly from a customer of a financial institution.
* Ask another person to get someone else's customer information using false,
fictitious or fraudulent statements or using false, fictitious or fraudulent
documents or forged, counterfeit, lost or stolen documents. (the-bank)
Non-compliance of the GLBA may result in a civil action brought by the Attorney General. Penalties for the financial institution is a fine of up to $100,000
for each violation. In addition, "the officers and directors of the financial institute
shall be subject to, and shall be personally liable for, a civil penalty of not more than $10,000 for each such violation." Criminal penalties may include up to five years in
prison. (liveoffice.com)
Privacy advocates and industry groups have lobbyed for changes to the GBLA
to guarantee further protection and consumer security. Some of the changes are:
* Financial institutes should implement an opt-in approach to the use of personal
information, this would minimize any unwanted disclosure of information.
* Financial institutes should include in their privacy reports what information is
going to be used.
* Expand enforcement authority, to give state concurrent jurisdiction in order to
ensure a more efficient enforcement program.
* Individuals shoud have the right to protect their privacy under the GLBA, which,
as it currently stands, there is no private right of action.
* Give individuals the right to review information that is disclosed. (epic.org)
Works Cited
banking.senate.gov, News from the Senate Banking Committee, 28 April 1999,
U.S. Senate Committee on Banking, Housing, and Urban Affairs website is an excellent source for government and economic papers. The newsroom was especially useful and fascinating.
documents.bmc, BMC Software, Safeguarding Financial Privacy with Enterprise Single Sign-On, January 2005, documents.bmc.com/products.
This was creating with Adobe pdf. It had excellent information, very detailed, but a lot of it was directly from the Federal Reserve guidelines.
epic.org, Electronic Privacy Information Center, "The Gramm-Leach-Bliley Act,"
21 January 2005, epic.org/privacy/glba
This was the most comprehensive, accurate site used for this report. It is a public interest research center, focusing attention on civil liberty issues, and protecting privacy.
The site is exceptionally easy to navigate.
frbsf.org, FRBSF Economic Letter, 31 March 2000, Federal Reserve Bank of SanFransisco, frbsf.org/econrsch/wklyltr/2000
This site was similar to the Regional economist. The articles vary from banking to educational issues, and are very informative.
Work Cited, Con't
ftc.gov, "In Brief: The Financial Privacy Requirements of the GLBA
ftc.gov/bcp/conline/pubs/bus pubs/glbshort.shtm
The Federal Trade Commission website is amazingly interesting. You can attain
information from its articles, news, forums and offices.
library.findlaw, Congress Passes Financial Services Modernization Act of l999,
Find Law is the best site for personal and educational legal issues. The information
revealed through articles, case studies and news is immense and fascinating.
live office.com, GLBA, 2007, liveoffice.com/regulations/gram-leach-bliley.asp,
Live Office is a managed messaging service with an excellent archival section. The
company assists organizations in complying with statues, regulations legal and industry
specific mandates.
nacua.org, Financial Institutes and Customer Data, nacua.org/macular/docs
This was a site generated by the Federal Trade Commission, a pdf. recall.com, Maintaining Compliance with the GLBA, O 18 October 2005, recall.com/Recall/North America
Recall is an excellent source for major industry research. It is actually a leader
Work Cited, Con't
in document management solutions. The website has a vast database of useful documents.
Regional Economist, Harshman, E, "The Doors are Opened, but Banks Are Slow to Enter Insurance and Investment Areas," stlouisfed.org
Regional Economist is a quarterly review of business and economic conditions. The review has information on banking, education, community and consumer areas. Articles are extremely informative and entertaining.
Searchcio, GLBA 10 December 2006, searchcio.tectarget.com
Search CIO is a website and magazine for CIO's and information technology professionals. You can access the magazine and website free and the information is literally endless.
the-bank.com, Pretexing: Your Personal Information Revealed, the-bank.com/pdf
wikipedia.org, GBLA 26 April 2007. Wikipedia, online encyclopedia is by far the best source for research on the internet. The website is user- friendly, current and easy to navigate. If only one source was needed for any research paper, I would recommend Wikipedia and know, all the information would be readily available.


text:
High street chain Next was searched 82 million times on Google from May 2018 - April 19, making it the most searched brand in the UK.
According to research by data agency Pi Datametrics, John Lewis followed in second place, with 60.4m searches, and Asos came in third, with 58m searches.
Of the 972 fashion brands analysed, New Look took the biggest hit as searches fell 33% from 66.3m in 2015/16 to 44.5m in 2018/19, however is still came in at fifth position overall.
With a 1007% increase, fast fashion brand Oh Polly was the fastest growing brand with searches rising from 335,810 in 2015/16 to 3.72m in 2018/19.
Searches for young fashion brand Nasty Gal were up 598%, making it the second-fastest growing brand, followed by sportswear brand Champion, where searches rose 581%.
The research also revealed that fast fashion was "by far" the most searched category in the UK from February '15 - April '19. Searches for department stores followed, with particular interest in John Lewis and Debenhams, followed by Amazon which came in third place.
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Cost effective lifetime enhancement of forming tools will be achieved through the application of advanced materials and processing technologies, the design of dies and inserts, and the optimisation of forming technologies.
Project ID:
Raising the productivity and competitiveness of European businesses through technology. Boosting national economies on the international market, and strengthening the basis for sustainable prosperity and employment.


text:
The EHS System although mandatory from Legal requirements in Singapore from Ministry of Manpower and Environment Ministry. The basic societal requirements of contributing a bit of your processes to save damage to Environment has taken the top priority.
By have an inherent Environment management system, the work environment automatically improves and brings in more responsibility from every corner of the organization.
The standards which have evolved gives an idea the importance focusing on of every minute element of EHS.
- ISO 14001 Environment management system
- OHSAS 18001 Occupational health management system which is now going to be ISO 45001
- R2 Responsible recycling – Scrap dealers
- RC 14001 – A combination of EHS and Security in Chemical manufacturing and storage facilities
- ISO 50001 – Energy management system and
- ISO 28000 – Supply Chain Security


text:
3709 Toro Canyon Rd, Austin
Amazing Lake Austin waterfront Property available for lease. The prime Lake Austin location features its own private cove and 200 +/- feet of waterfront allowing for unparalleled lake views. A smooth lawn is dotted with mature oak trees framing the lake view and Mayfield Park and Nature Preserve across the water, providing the opportunity for spectacular sight-lines from every room in a home. Includes refrigerator, washer and dryer.
Built-in Book Cases, Skylight, Smoke Detector
Dishwasher, Microwave Oven, Range-Free Standing
Property Listed by: Moreland Properties
The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information from the Austin Board of REALTORS® (alternatively, from ACTRIS) from April 6th, 2020 at 9:45pm CDT. Neither the Board nor ACTRIS guarantees or is in any way responsible for its accuracy. The Austin Board of REALTORS®, ACTRIS and their affiliates provide the MLS and all content therein "AS IS" and without any warranty, express or implied. Data maintained by the Board or ACTRIS may not reflect all real estate activity in the market.
All information provided is deemed reliable but is not guaranteed and should be independently verified.


text:
Florida's Existing-Home, Condo Sales Soar Further in June
In what seems to be an ever-increasing trend, sales of existing homes and condos in the Sunshine State continued to surge in June, Florida Realtors recently reported. According to the association's report, a total of 18,038 single-family existing homes sold in June 2010, jumping 15 percent from the same month last year. And data regarding existing-condo sales was even more impressive. With a total of 6,916 units sold last month, sales skyrocketed 33 percent from June 2009.
Sunil Sethi / Broker, President, REALTOR, MBA / SUNIL SETHI REAL ESTATE
38750 Paseo Padre Pwky Suite B3 / Fremont, CA 94536


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Preparation time:
Cooking time:
Serves: makes a bunch
Dietary guidance: v
½ cup Honey
½ cup Cider or White Wine vinegar
½ cup Dark brown sugar-packed
2 Eggs
2 T Flour
2 T French's yellow -- mustard
½ cup Jack Daniel's whiskey
1 9 0z Bottle horseradish cream sauce
Put honey, vinegar, sugar, eggs and flour in blender a few seconds to blend at high speed until smooth. Transfer to a 2-quart saucepan.
Cook on medium high, whipping briskly with whisk to prevent it from sticking to bottom of pan. It will thicken just as it comes to a boil.
Quickly add mustard and whiskey. Continue to cook and stir briskly only 1/2 minute. Remove from heat.
Add the horseradish. Beat well. Cool completely and bottle. Store refrigerated 6-8 weeks. Freezes for ever.


text:
Ubuntu Security Notice USN-3525-1
10th January, 2018
linux vulnerability
A security issue affects these releases of Ubuntu and its
- Ubuntu 12.04 LTS
The system could be made to expose sensitive information.
Software description
- linux
– Linux kernel
Jann Horn discovered that microprocessors utilizing speculative execution
and indirect branch prediction may allow unauthorized memory reads via
sidechannel attacks. This flaw is known as Meltdown. A local attacker could
use this to expose sensitive information, including kernel memory.
Update instructions
The problem can be corrected by updating your system to the following
package version:
- Ubuntu 12.04 LTS:
- linux-image-3.2.0-132-generic-pae
- linux-image-3.2.0-132-generic
- linux-image-generic-pae
- linux-image-generic
To update your system, please follow these instructions:
After a standard system update you need to reboot your computer to make
all the necessary changes.
ATTENTION: Due to an unavoidable ABI change the kernel updates have
been given a new version number, which requires you to recompile and
reinstall all third party kernel modules you might have installed.
Unless you manually uninstalled the standard kernel metapackages
(e.g. linux-generic, linux-generic-lts-RELEASE, linux-virtual,
linux-powerpc), a standard system upgrade will automatically perform
this as well.
Source From: ubuntu.com.
Original article title: USN-3525-1: Linux kernel vulnerability.
This full article can be read at: USN-3525-1: Linux kernel vulnerability.


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text:
Site of the Event
Zunfthaus zur Schmiden
Marktgasse 20, 8001 Zurich
The opening lecture and dinner on Friday, October 4 will be held at the "Zunfthaus zur Schmiden" (Guild House for Blacksmiths), a beautiful city palace located since 1412 at "Marktgasse 20, close to the Limmat River in the heart of old Zurich. The sumptuous late-Gothic Guildhall and the historic rooms with style, warm hospitality and tradition will make you feel welcome. It is a special privilege to celebrate the Zurich Lecture Series at this grand location.
Friday, October 4, 5:30 pm: Reception; 6:15pm: Lecture; 7:15-9:00pm: Three-Course Dinner.
Location: the historic Zunfthaus zur Schmiden, Marktgasse 20, 8001 Zürich.
Karl der Grosse
Kirchgasse 14, 8001 Zurich
More lectures will follow on Saturday, October 5 at the Zentrum Karl der Grosse.
The Karl der Grosse is a classic 18th century building that offers a large hall with stage, historic meeting rooms with original equipment from the 17th and 18th centuries or a Mediterranean-style courtyard are available for meetings, seminars or courses.
Saturday, October 5, 10:00am-12:00 Noon: Lecture and Discussion; 1:30pm-3:30pm: Lecture and Discussion.
Location: Karl der Grosse, Kirchgasse 14, 8001 Zurich


text:
12th Man Show Week 8 Preview
Written by: Jeremy Varner on Thursday, October 21st, 2010. Follow Jeremy Varner on Twitter.
This week we give you a double dose of coach speak. First we have Owen J. Roberts front man Tom Barr. The Wildcats are led by running back Ryan Brumfield. Next up we speak with Lancaster Catholics Bruce Harbach. The defending AA state champ Crusaders are looking at a possible repeat this season.
A trio of epic proportions as we invite three of the best writers in the state back to the show. First up, Rod Frisco gives us his take on the season so far and looks ahead to the playoffs. Second, Steve Bennett of the Citizens Voice recaps Wilkes-Barre GAR and Wyoming Area. Lastly, Joby Fawcett of the Scranton Times Tribune talks about Abington Heights and West Scranton. Both district 2 matchups have playoff implications.
Switching gears to the western part of the state we welcome Don Rebel of the MSA Sports Network. Don will give us WPIAL playoff possibilities with only 1 more week to play. Back again is district 6 guru Doug Keklak. We get an update from the middle of the state. Finally, the Godfather, Armand Vanore returns again to recap St. Joe's Prep and Roman Catholic. All your scores, messages, phone calls, live blog chat and much much more on Week #8 of The 12th Man Show.
When: LIVE 10:30pm Friday, October 22, 2010
Where: http://www.prepnationradio.com or on your iPhone/Android mobile devices.
Contact Information
Phone – 570.972.2988
Social – Facebook / Twitter / YouTube
Text – AIM/Yahoo (pnrlive), Skype (epafootball), Email (firstname.lastname@example.com)
Mobile – Ustream viewer app on iPhone/iPod Touch/iPad & Android Devices
Missed a show?
Stream audio in our flash player on prepnationradio.com
Download to your ipod from iTunes
Watch our show from our USTREAM channel page
Follow EasternPAFootball.com on Twitter @EPAFootball
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text:
February 18, 2019
Ignite bring you the latest energy news across the UK and Europe. We have the expertise when it comes to translating energy industry consumption trends. Here's the latest news from the UK, Europe and the rest of the world.
The European and the UK power markets experienced a bearish week amid increasing levels of supply and a milder weather outlook, that resulted in falling levels of demand. Similar is the picture in the natural gas market, with a downside moment on the prompt contracts within the week, however, the oil rally on Thursday added support to the curve contracts that closed the week higher. Import flows from the Continent to the UK were more or less stable during last week, with an exception in Wednesday where Vesterled flows were reduced by almost 5mcm.
Oil benchmark, Brent Crude, reached its highest level in this year and settled at $66.25/bbl on Friday amid OPEC-led supply cuts, US sanctions on Venezuela and Iran and optimism around the USA-China trade talks.
The YoY inflation rate in the UK fell to the level of 1.8% in January from last December's 2.1% figure. That was the lowest inflation rate in two years for the UK and it is attributed to low gas, electricity and fuel costs.
The UK energy market last week
- The bearish movement in the UK natural gas and power markets continued for another week amid increasing levels of supply and a milder weather outlook ahead.
- The recent surge in oil prices, however, lent some support to the power and natural gas curve contracts.
- UK YoY inflation for January dropped to 1.8% from 2.1% in the previous month due to a slowdown in energy costs.
UK natural gas prices
The natural gas market in the UK experienced a downwards movement in proport contracts amid healthy renewables generation that was stable and above 5GW during the week. However, the overall strengthening in the energy complex added support to the curve contracts thus pulling prices upwards.
Day-ahead closed at 46.90p/th and month-ahead at 47.70p/th, a decrease of 2.3% and 0.7% respectively, week on week.
In terms of curve contracts, Sum-19 settled at 46.30p/th on Friday, that is 1.1% higher week on week while Win-19 settled at 58.98p/th, that is 1.3% higher during the same period.
UK electricity prices
UK power prices opened low during last week however there was a significant price increase on Friday that resulted in prices closing almost flat week on week.
Day-ahead closed the week at £48.50/MWh and month-ahead at £50.25/MWh, that is 5% and 2.6% lower week on week for both contracts respectively.
However, Sum-19 contract slipped by 0.8% week on week and settled at £49.52/MWh on Friday while Win-19 closed the week flat at £58.83/MWh.
Oil has reached its highest level this year after moving upwards by more than $1.6/bbl on Friday from Thursday's close. Currently, Brent crude oil is trading at $66.32/bbl. The factors that determined the surge in the oil market are the supply cuts by OPED, the hope of a positive outcome in the US-China trade dispute, and the US sanctions on Iran's and Venezuela's oil industry.
Energy trends to watch this week
- UK wholesale gas prices opened higher on Monday morning following an unplanned outage that reduced Norwegian import flows. However, healthy renewables generation with a wind output around 9.5GW is expected to weigh on prices during the day.
- The YoY German inflation rate for January will be announced on Thursday 21 February following the 1.7% from last December.
To find out more contact us to see how we can help your business reduce energy consumption.


text:
#ctmh #cardmaking #Heart2HeartChallenges
|Sheila Bennett
Close To My Heart Independent Consultant
(913) 485-4355
|Sheila Bennett
Close To My Heart Independent Consultant
(913) 485-4355
Great use of different color combinations...I also like the red bird!
Thanks for sharing
Thanks so much, Sue.Delete
Wow, great assortment techniques on your bird cards...all are very pretty.ReplyDelete
Thanks Sue. Glad you like them.Delete
I'll be coming back to this post lots in the coming days when I finally get my bird inky. Thanks for sharing your color schemes. All of them are lovely!ReplyDelete
You are most welcome, Becca. Hope the color combos are helpful to you!Delete
These are stunning and the prettiest cards I have seen with the bird set. Thanks for joining us at H2H.ReplyDelete
You're sweet. Thank you!Delete
I wasn't a fan of this little birdie at first, but after seeing your gorgeous creations, I may have to reconsider! Plus so nice of you to list your color combos.ReplyDelete
Glad to be an inspiration to you, Laurie!Delete


text:
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Note: These washers are approved by the W.A. Main roads. They are a patented product.
Which Washer for Which Application?


text:
We are excited to announce this year's Millie's Princess Run at Daybreak on June 15, 2019. We hope you will join us for a day of family friendly fun! There will be a 2K and 5K run, bounce houses, face painting, dancing, a climbing wall, food trucks and much more. Come hang out with princesses, superheros, mascots, Star Wars characters and more!
We will be raising money for Ashtyn and Donovan, who are both fighting childhood cancer. 100% of the funds will go to these two families.
In January of 2013, Ashtyn was diagnosed with Acute Undifferentiated Leukemia. She had a bone marrow transplant in June of 2013. Her leukemia relapsed in October of 2016. She had her second bone marrow transplant in March of 2017. She relapsed again on February 14, 2018. This time she had to travel to Seattle for her third bone marrow transplant. That took place in August of 2018. Ashtyn was able to return home in November of last year. Her body has been through so much in the last six years that she has been in the hospital more than she has been out of it since she returned to Salt Lake.
Donovan is 17 years old. He has three sisters. He likes to hang out with friends, play hockey and ice skate. He is a foodie and likes to create fun meals to eat. In January of this year Donovan was diagnosed with B cell Acute Lymphoblastic Leukemia. He will be in treatment for over three years.


text:
and let her team of professionals tell your story.
Lisa Carberg is a communications and public relations professional in Connecticut. Her career has spanned 20 years as a television news anchor and reporter both locally and nationally. Being on the news side of public relations "pitches," Lisa understands what reporters are looking for to cover and promote. Lisa knows how to hone a message and brand to make it interesting, appealing and easy to understand.
While anchoring the evening news at the state's NBC affiliate WVIT NBC Connecticut, Lisa covered the major stories of the decades and earned a Peabody Award for her anchoring during the coverage of the Sandy Hook, Connecticut school shootings with a team of professionals.
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Lisa anchored evening newscasts from 2007 – 2014 in Connecticut.


text:
Bullock Creek boys edge Freeland in OT
Recommended Video:
After watching his team collapse down the stretch Friday at Swan Valley, Bullock Creek coach Justin Freeland was confident his Lancers would respond better the next time they found themselves in a tight game.
And just four days later, they proved him right.
Creek got a big bucket by Evan Marquardt at the end of regulation, an equally big free throw by Marquardt late in overtime, and a critical defensive stop in the closing seconds to edge visiting Freeland 57-56 in Tri-Valley Conference Central boys' basketball Tuesday.
The Lancers improve to 4-3 overall and 1-3 in the TVC Central, while the Falcons slip to 2-4, 1-3.
"It feels good," Freeland said of notching his first conference win as Creek's boys' coach. "But we all told ourselves at the beginning of the year that we were going to focus on our progress. And I'm most happy not with the win but with the progress we've made in the last week.
"Good things could be ahead both this year and beyond if we continue to stay after it," he added.
Falcons' coach Mike Showalter was considerably less enthused.
"This wasn't a good game tonight, that's for sure," said Showalter, whose Falcons lost by one point for the second time in five days. "It was very poor execution, poor coaching, poor playing. Everything was poor in this game. I wasn't impressed with anything we did.
" ... It's disappointing," he added. "Six games into the season and we're not getting the things done that you need to get done to win at the varsity level. ... We're a much better team than we're showing."
Zack Reed scored a game-high 23 points, while Marquardt added 17 points and 10 rebounds to lead the Lancers to the victory in front of a large and vocal crowd.
"We can beat anybody if we play well," said Marquardt, adding of the environment in the Creek gym, " ... That's what you want to be (playing) in front of when you play. When your shot goes in, you want to hear the crowd."
Creek struggled with turnovers early, as the Falcons took a 12-8 lead after one quarter. But then the Lancers rolled off nine straight points to take a 17-12 advantage.
Sparked by six points from Brandon Schneider, the Falcons answered with a 12-2 run to end the half, taking a 24-19 edge heading into the locker room.
The Lancers came out of the break re-energized, scoring the first 10 points to regain the lead, 29-24.
The Falcons responded with a 10-4 run to go up 34-33, and it was nip-and-tuck the rest of the way.
"It's a good rivalry. It's pretty similar schools and communities, so I think we're evenly-matched from year to year," Freeland noted. " ... I think there was fatigue on both sides (down the stretch), and it reminded me of a boxing match. We were taking punches and throwing punches."
With time winding down in regulation, Matt Schauman sank a driving layup to give Freeland a 49-47 lead with 27 seconds to go. Creek then ran the clock down to three seconds before Marquardt connected on a tough jumper from an odd angle on the right baseline, tying the game and forcing overtime.
"I knew there were only a couple of seconds left, so I figured I'd just throw up a shot, and it just went in," Marquardt said.
The score was still tied, 56-56, with 46 seconds left in OT when Creek came out of a timeout with possession. The Lancers again ran the clock down and got the ball to Marquardt in the paint, where he was fouled.
Following another timeout, Marquardt split a pair of free throws to give Creek a 57-56 edge with eight seconds remaining.
The Falcons had a chance to win it, as Mitchell Noack drove the right baseline. But Noack was cut off on his way to the basket, stopped abruptly, and turned into Marquardt's body. The ball came loose, and Parrish Terburgh secured it for Creek as time ran out.
"We really executed well over the last 45 seconds and got the ball where we wanted to off the set (play), and then we were able to play good defense and crowd the ball down (at the other end)," Freeland noted. "I was really proud of the guys, how we executed when it got late."
Craig Church had seven points, seven rebounds, and five assists for the Lancers.
Blake Behnke led the Falcons with 16 points and seven boards, while Jacob Whitting had 15 points and seven boards, and Schneider added 10 points and 11 boards.
"We need more balance both offensively and defensively, and we're going to achieve that as (our guys) play together longer," Freeland said. " ... I thought we saw a lot of improvement from our guys tonight."
Creek hosts Chesaning on Friday, while Freeland hosts Alma the same night.
Freeland 12 12 10 15 7 -- 56
Bullock Creek 8 11 19 11 8 -- 57
FREELAND -- Noack 2-3-7; Behnke 4-6-16; Taugher 0-0-0; Anderson 0-0-0; Schauman 4-0-8; Whitting 4-7-15; Baird 0-0-0; Schneider 3-4-10; Totals 17-20-56. 3-point field goals -- Behnke 2.
CREEK -- Frederick 0-0-0; J. Fleming 1-0-2; Reed 8-4-23; Terwillegar 0-0-0; A. Fleming 2-0-4; Church 2-2-7; Terburgh 1-0-3; Dean 0-1-1; O'Boyle 0-0-0; Marquardt 8-1-17; Kreucher 0-0-0; Totals 22-8-57. 3-point field goals -- Reed 3, Church, Terburgh.


text:
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New Delhi: It is the era of challenges on the Internet. From 'Ice Bucket Challenge' to the latest 'Hum Fit Toh India Fit Challenge', people have been tagging each other to take up one challenge or the other. Under the latest 'Hum Fit Toh India Fit Challenge', PM Narendra Modi recently released his workout video after being challenged by Indian Cricket Captain Virat Kohli but now Congress President Rahul Gandhi has given a challenge that Mr Modi may not be able to complete.
Rahul Gandhi has challenged the Prime Minister to watch the latest Salman Khan film Race 3 in a move that has stumped the ruling BJP.
Speaking to the media outside Congress HQ, Mr Gandhi said, "That fitness challenge was easy and Modi Ji made it even easier by doing simple exercises in that video. Now we challenge him to watch the complete film Race 3. He can't sneak out after 1 hour and has to watch it right till the very end. He should not sleep during the film and even phone calls will not be allowed. If he completes this challenge, we are even ready to withdraw from the 2019 elections."
This challenge has worried the entire BJP with the reviews suggesting that several audience members have gone into comma after watching the film. BJP spokesperson Sambit Patra even went on to call this challenge an attempt on the life of the Prime Minister.
As per sources, BJP is trying to get the opinion of the most reliable film reviewer, Delhi CM Arvind Kejriwal, but the security outside LG's house, where Mr Kejriwal is on his latest dharna, isn't allowing any outsider to enter and meet Mr Kejriwal.


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Pro vocalist, Soulful Raw, tremendous Spiritual Range for $125
I've worked as a session vocalist on hundreds of recordings since the 1970s, Lead and Background vocals, for national jingles, Tower of Power, 13 solo CDs, including Song of the Year nomination at the 2004 blues Awards, 2007 Emmy Nomination, Song of the Year. I'm using a Neumann TLM 127 as my main vocal mic, with a Universal Audio Tube Preamp outboard gear.
I asked the #1 Music Biographer, David Ritz to review my latest CD, he's written the bios, for Marvin Gaye, Aretha Franklin, BB King, Etta James, Ray Charles, and More, He Co-wrote, "Sexual Healing" With Marvin Gaye,
Here's what he wrote,
"His voice. Raw. Real. Sweet. Tart. An instrument of tremendous emotional and spiritual range.
His writing. His hooks. His stories. His sense, as he puts it, of "The World As I Know It."
His deep Louisiana roots. His powerful connection to the fertile soil. His grit, his grooves. His honesty.
His haunting cry, his courageous assault on anything false.
His music, his singing, his aesthetic vision are more than good;
they're flat-out great.
At this troubling moment in the history of the Music Nation, John Lee Sanders stands tall. He's major. In his own words, he's hitched a ride from Memphis, dealing with the ghosts of Highway 61, arriving in New Orleans in order to comfort us with the good news: that true music is truer than ever. His songs, full-bodied and blood-washed, are rooted in reality. He reminds us that blues are concerned with neither nostalgia nor self-pity. John Lee Sanders' blues are about nothing less a renewal of strength, a resurrection of the human spirit, a projection of hard-earned hope and a declaration of extravagant love.
Blues, Soul, Gospel, Pop, Country, Celebrity Sound Alikes, Dylan, Sinatra, Elvis, Elton, Willie Nelson, Johnny Cash, John Lee Hooker,
From the Beginning
- From the Beginning


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Homeowner association HOA management companies retained by developers often must balance the competing interests of the developer and the homeowners. They just as often find the developer pulls one way while the homeowners pulls the other way with the manager in the middle.
It is common for an HOA developer to hire a manager to assist with the transition to homeowner control. It is often assumed that the manager will manage the new HOA. However, after transition takes place, the manager must consider the interests of the homeowners and, if the manager was originally hired by the developer, he may find it difficult to ignore the developers interests. This dual master >
Post-Transition Construction Defects. It is always in the best interest of an HOA developer to minimize warranty and construction defect repairs since they diminish profitability. However, after transition, an HOA may become aware of potential construction defect problems. The HOA manager is placed squa>
Pre-Transition Construction Defects. Sometimes, construction defects are discovered before transition. In one such case, the homeowners hired an attorney to work with the developers attorney to resolve the problems short of litigation. The developer met with the manager and tried to arrange a meeting with the homeowners so he could pitch a repair plan "without the need to get the attorneys involved." If the manager cooperated in this scheme, both the developer and homeowner would lose the benefit of legal counsel in a long term negotiated settlement.
Turnover Accounting. Frequently at transition, there are accounting questions. While state laws vary on audit requirements, questions arise like:
These and other financial questions need to be answered. The manager is the logical one to obtain these answer, however, the answers may implicate both the developer and manager in wrongdoing. Can the manager really remain neutral?
How to Avoid the Conflict Conundrum. The cleanest way to avoid the conflict-of-interest quagmire is simply to avoid acting as manager for both the developer and homeowners. An HOA management company could either specialize in pre-transition properties on behalf of the developer or post-transition on behalf of the HOA, but not both.
The next best alternative is for the HOA management company to disclose up front when hired by the developer that the manager will work for the developer up through time of transition, but once the control of the HOA shifted to the homeowners, the manager will act solely on behalf of the interests of the homeowners. This arrangement should be clearly defined and articulated in the management agreement with the developer.
The least recommended option would be for the HOA management company to try to balance the interests of both clients simultaneously throughout the period of management. It is imperative for the manager to inform both parties in writing of such dual representation and the potential for conflict of interest.
The HOA manager should >
HOA management companies are placed in difficult situations every time they serve two clients with conflicting interests. When faced with this dilemma, they should minimize the potential for conflict through written disclosure to the parties and to refer controversial issues to independent, qualified consultants.
Thanks to Daniel Zimberoff of Barker Martin, P.S. for article input. For more innovative homeowner association management strategies, subscribe to www.Regenesis.net.
Copyright ©2020 - Realty
All Rights Reserved.


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Are you having trouble expressing what you need, or having difficulty finding the words to express what you've been through? I've been there. I have found therapeutic movement to be an essential tool for my own healing, and I'm thrilled to be able to offer it to others.
Therapeutic movement helps to bypass the need to talk and allows us to access healing in a different, profound way. Unlocking restrictions, tightness, and pain in the body allows us to unlock restrictions in our minds. It allows unspeakable trauma to be released and healed.
Therapeutic movement is very personal to me. My own trauma history gives me a deep understanding of the value of movement. A consistent practice of moving my body brought my mind, body, and soul back together in a way I didn't know I needed.
Many times, if talk therapy stalls or plateaus, therapeutic dance or yoga provide powerful new insights and release. The body is brilliant and deserves as much attention and care as the rest of our systems during therapy. All of our sessions are individual. We cater every moment to you, and work to create an exceptionally safe space.
As your guide in this process of reconnection, my first goal is to get to know you and understand your unique needs. There is no one-size-fits-all plan to this process, so each practice will be designed completely and specifically for you.
I am a therapeutic dance instructor and a yoga instructor, and it thrills me to observe the beautiful power of healing. When one individual heals, it inspires others around them to heal; it allows them to be the parents they want to be, the partners they want to be, the person they want to be.
The body is often a roadmap of the past, and it often holds crucial insights to guide us on the path of healing. Call or text for more information. I would be honored to walk alongside you on your path.


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Dr Smith – Winfield
Dr. Smith-Winfield joined Eagles Landing OB/GYN in 2016. Born in Starkville, Mississippi to a predominately military family, she received her undergraduate degree from Florida A&M University, masters from Indiana University (Purdue University, Indianapolis), and her medical degree from Virginia Commonwealth University School Of Medicine. She completed her residency at Nassau University Medical Center in Long Island, NY where she was chief resident. She's also a member of ACOG.
Dr. Smith-Winfield has committed herself to providing the utmost care to women, as she believes they are the cornerstone to a healthy family.
Away from the office, she enjoys traveling, music and spending time with her husband, family and friends. Her loves include beaches, and more beaches.


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First impressions: What to expect at the fertility clinic
The path that brought you to the fertility clinic was probably fraught with some challenges and disappointments, and feeling nervous about your first visit is normal. The inner voice in your head may be saying, "I wish I didn't have to be here." "Who am I going to meet?" "What tests am I going to have to do?"
First of all, know that you're not alone. One out of every six couples experiences difficulty getting pregnant. In Canada, consultations on and treatment for fertility are on the rise. Infertility awareness is increasing in today's society, with 1 to 5% of all babies born as the result of some form of fertility treatment.
However, despite the common nature of this issue, many couples choose not to disclose to their family and friends that they are having trouble conceiving. This can lead to feelings of isolation, on top of other emotions such as disappointment, regret and lack of control.
It is normal to carry some of these emotions into your first consultation, but rest assured that fertility clinic staff are sensitive and understanding about this.
The fertility doctor you meet will likely be an obstetrician/gynecologist (OB/GYN) who has completed further specialty training in reproductive endocrinology and infertility. Most of them focus on providing fertility treatment, but some still practice gynecologic surgery and/or obstetrics.
Some reproductive endocrinologists (REs) have university affiliations and may be involved in teaching and research, which is great because that means they are on the cutting edge of what is happening in the fertility world and can bring you the most advanced treatments out there!
On the first visit, your fertility doctor will spend time getting to know you (and your partner) and explore the history of your fertility issues. He or she will likely propose some tests to find out if there are any obvious barriers to fertility.
This is a great time to "feel it out" and get to know your doctor and decide whether he or she and the clinic are the right fit for you.
The initial testing focuses on the following trifecta:
What's important is not just how many you have, but also if you are ovulating. If you have regular monthly periods, chances are you are ovulating regularly, and your fertility doctor may decide it is not necessary to confirm this.
However, if you have irregular periods, then hormonal blood tests and "cycle monitoring" with ultrasound may be recommended to check if you ovulate. The other component of testing is measuring your egg reserve.
This is done by a hormonal blood test called an Anti-Müllerian hormone (AMH) level and by an ultrasound on day three of your cycle to count the visible egg follicles, known as your "antral follicles." These two measurements will give you and your fertility doctor a sense of your egg quantity and help you to make decisions about treatment.
The AMH is perhaps the most important and most reliable test to look at how fertile you are, so we recommend this test be done on almost every woman who goes to the fertility clinic.
Fallopian tubes, or the pathway for eggs and sperm to find each other!
If your tubes are blocked, then your eggs and his sperm aren't able to meet naturally, much less result in a pregnancy.
Fallopian tube testing is a necessary evil. It is an important preliminary test but, unfortunately, may be a little uncomfortable. Depending on your RE's preference, either a sonohysterogram or a hysterosalpingogram will be ordered. The former is an ultrasound-based test, and the latter is a x-ray-based test. They both involve inserting a catheter through the cervix and flushing fluid through the uterus to confirm if the fallopian tubes are open. Discomfort can be reduced by taking pain medications such as Tylenol or anti-inflammatories prior to the procedure, which is highly recommended.
Male partners are asked to produce a semen sample. The sample is analyzed for volume, sperm count, motility and morphology (shape), and is compared against standard references. Reassure him that most fertility clinics offer discreet, clean and comfortable rooms for sample production.
"Are my hormones in check?" Many women ask us this. Many women see naturopaths and alternative medicine doctors to help "balance their hormones" to conceive. While there is some data to support this type of alternative medicine, the scientific truth is that there are a few hormones that really matter to getting pregnant.
These are thyroid hormones (TSH, which is responsible for metabolism in our bodies), prolactin (which makes breast milk but can be elevated and cause fertility issues) and male hormone levels, to name a few. Your doctor may check these levels on your initial visit, depending on your history.
Remember to ask for as much written information as possible. The first visit can be a whirlwind experience, and it is not uncommon to get home and say, "What did that doctor ask us to do again?"
Also, remember that the first visit is a chance for you to see if the clinic is the right fit for you. The first visit and initial testing may feel a little generic. However, after all the testing is done, you will get a chance to see the RE for a review appointment to discuss your individual results. That's when your treatment plan will be personalized to you and your partner.
At the end of your consultation, your doctor will most likely suggest possible treatment options. Remember that there isn't only one path to pregnancy, and often times it's about a treatment that makes sense and works best for you.


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Megh19th century 20th century 1930s 1940s 1950s 1960s Actor Ancient India Art Cinema Colonial Costume Culture Early 20th Century fashion India Indian Cinema Indian Dress Indian fashion Indian men Indian Women Paintings Sari Sari Blouse Vintage Vintage Blouse Vintage Dress vintage fashion vintage sari Women
Category Archives: vintage art
Seasons Greetings
The annual post on Christmas themed art from India. First up the Margam Kali from Kerala. The dance is not Christmas specific though many schools do seem to hold competitions including the dance around December. The costume is the traditional … Continue reading
Posted in 20th century, Art, Christianity, clothing, Costume, costumes in art, Culture, Dance, indian art, Indian Costume, Indian Women, Kerala, Sari, South India, vintage art, Women Tagged blue madonna, Christianity, frank wesley, Kerala, margam kali 2 Comments
Brief Notes from Japan
サリーの女 (Maiden in a sari), 1983. From the Museum publication on the artist Akino Fuku (秋野不矩)). While in Japan I made a visit to the Akino Fuku Museum in Hamamatsu, Japan. While my favourite work of hers was not on … Continue reading
Posted in 1980s, 2017 posts, Art, Asia, clothing, Costume, costumes in art, Culture, East Asia, fashion, India, Indian Costume, Indian Women, Japan, Japanese art, Japanese Costume, Paintings, Personal, Vintage, vintage art, Women Tagged 1980s, akino fuku, akino fuku museum, furisode, hamamatsu, india, indian costume, Japan, Japanese Costume, kimono, kyoto, nishijin, nishijin textile centre, sarees in art, sari Leave a comment
In 1940 Nehru wrote: I have been to Bombay so many times, but I have never seen the coming of the monsoon there. I had been told and I had read that this coming of the first rains was … Continue reading
Posted in 1940s, Art, costumes in art, India, indian art, Indian Dress, indian style, Indian Women, Maharashtra, Paintings, regional styles, Sari, Sari Blouse, vintage art, vintage sari, women in art Tagged black umbrella, Bombay, bombay monsoon, first rains, irkal, khann blouse, kolhapuri chappals, monsoon, MV Dhurandhar, Nehru, nine yard saree, vintage art Leave a comment
The Love Post
Madanotsav or Kamotsav was probably today. The Gujarati inscription on top of the painting: જનમ જનમ કે હમ સાથી (Janam Janam ke hum saathi aka lovers/partners forever). Pic Source: Jyoti Bhatt, 1967.
Posted in 1960s, 20th century, fashion, Illustration, in Colour, Indian Aesthetics, indian art, Indian Dress, indian festivals, Indian Illustrators, Indian men, Indian Women, Love, Paintings, retro, retro fashion, Romance, vintage art, Vintage Dress, Vintage Illustration, vintage illustrations Tagged 1960s art, 1967, chaitra, Indian Art, jyoti bhatt, kamotsav, love, love festival, madanotsav, romantic love, trayodashi, vintage art Leave a comment
The Spring Post
पहले भी मैं इसी राह से जा कर फिर-फिर हूँ (Pehle bhi main isi raah se jaa kar phir-phir hoon) आया-किन्तु झलकती थी इस में तब मधु की मन-मोहक माया! (Aaya-kintu jhalakti thi is mein tab madhu ki man-mohak maya!) … Continue reading
Posted in 1950s, 1960s, Art, Bengal, Birds, Flowers, Flowers in Literature, Hairstyles, Indian Aesthetics, indian art, Indian Dress, Indian Flora, Indian Literature, Indian Women, My Translations, Paintings, Sari, Vintage, vintage art, women in art Tagged agyeya, bangaldeshi art, dhak, Indian Art, indian poetry, laxman aelay, Manishi Dey, palash, spring, vintage art, zainul abedin Leave a comment
Autumn Festival
Thanks to RL long time since I did any significant update except for a few pieces now and then on tumblr. Before I start again just a few pics for autumn/Dusshera. It was autumn, not a doubt of it. Ere … Continue reading
Posted in 1940s, 1950s, 20th century, Art, costumes in art, Culture, Dancer, Early 20th Century, Flowers, Flowers in Literature, Goddess, Hinduism, Indian Aesthetics, indian art, Indian Costume, indian festivals, Indian Flora, Indian Women, Paintings, Sari, Sari Blouse, Vintage, vintage art Tagged apta leaves, ashwin, autumn, dusshera, festival, Indian Art, kaash phool, kali, kh ara, manisha, marigold, mumbai, navaratri, prankrishna pal, Saraswati, vintage art Leave a comment


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1347 Roger Williams WayNorth Kingstown, Rhode Island 02852View on Google Maps
Narragansett Chamber of Commerce
P.O. Box 742
Narragansett, RI 02882
Visitor Center Address
36 Ocean Road
Narragansett, RI 02882
Memorial Day – Labor Day
Monday – Saturday 10am – 4pm
Sunday 11am – 4pm
* open some evenings during special town events
September – December
Thursday – Saturday 11:30am – 3pm.
Winter Hours
Please call to confirm information center hours during winter months


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We are a small groundworks company with five employees and over 30 years experience in groundworks. We provide a personal service from design to completion of your groundworks project. We can advise at the early stage of a project and make changes as required as the job progresses.
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It has officially been 3 months and 3 days since I've been in China!
Time has been passing by so quickly that sometimes (most of the time) I don't even realize I'm halfway across the world. Obviously, there has been many ups and downs (but mostly ups 😉 ) and many many cultural changes that initially surprised me A LOT but have now become something I am accustomed to that I barely notice it.
But what annoys me and breaks my heart a little, is of all the negative things I've heard my whole life about China from everyone back home. (I was obviously also guilty of spreading rumours myself.) Of course, I haven't been everywhere in China, so I can only attest to what it has been like in Beijing for me.
Let me tell you this, the people I've come across here are as nice and friendly, and helpful as all other people would be in any other parts of the world. Of course, there are differences, just as how if one were to compare any culture with another.
These differences should be celebrated, and not looked down upon.
Okay, let me get to the point. Before I came to China, everyone has been showing me pics and videos of people literally taking a dump on the street curb. Okay no, stop. If there are people who do that sorta thing here, it is probably one in a million. I have not seen anyone older than age 3 do that. Most of the babies here don't wear diapers. Probably cause there are no changing tables in the washrooms. Instead, they wear pants with a slit from the front to the back between their legs so parents are able to help them do their business faster and easier. And no, they do not leave their mess on the streets, they clean it right up with newspaper and whatever else is needed.
Still disgusted? THEY USE SQUATTER TOILETS HERE FOR GOODNESS SAKE. Maybe it is inconvenient to bring a baby into those sorta washrooms! Why don't they have the toilets with a seat that we can sit on? The locals call them western toilets – aka it is not originally from their culture and the people have not (or perhaps do not want to) adapted to that change!
Hawk Hawk SPIT.
Okay, SOME people do this, not all. Women and men. This happens on the streets, sometimes inside the mall, at the pool (i cringe when I'm also in the water with them). I may be wrong, but I have noticed that it is mostly from the older generation only. I don't know why they do this, but when my sister was here she actually noticed that it is uncommon for people to blow their noses. Maybe they just hawk and suck up their snort and spit it back out instead of blow their nose (who knows!) I'm ALWAYS blowing my nose in public cause of my allergies, and sometimes I receive looks here for doing that. haha. Maybe blowing your nose is considered gross here.
Oh man. Sometimes they exist, and sometimes they don't. When they don't, you just gotta pull your elbows out and join the pushing and shoving. 😉 I was really annoyed with this before, but sometimes you just gotta put a smile on a deal with it. That's all I have to say.
Okay, yes traffic is crazy as heck and every time I ride my bike to work my heart is literally pounding and I'm literally hoping that all the cars who decide to turn will see me before they step on the gas. But this is the case in so so so so many cities all over the world. As long as the people in the city can make it work and it is part of their way of life then you just gotta deal with it. I've fallen off my bike twice cause I ram into someone the first time and someone rammed into me the second time and oh my goodness it was painful as heck but whatever, no broken bones and I'm still alive – so it's all good ;)!
The locals here, whether they are from the school I work at, or just randoms on the street, or a waiter at a restaurant, or the street vendor, they are all so generous and nice. And it isn't because I am a foreigner – cause I don't look very foreign (haha). It's just cause they are NICE.
Buses and subways
Some give up their seats for the elderly and those who need it on the subway and buses with way more initiative than anyone I have seen in Toronto.
Public Areas
Some hold doors and gates open for people behind them and those on scooters and bikes so they can just ride through.
They have helped pay for my lunches when I ran out of money on my cafe card (at the school cafeteria haha).
Most of all, they love showing and telling you about their culture and history because it is a large part of who they are and it is something they are proud of.
*All the pictures on this blog and in this post are original and are my own*


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Consistency and explicit expectations provide students a clear path to meet and exceed educational standards.
My teaching career has been an exciting journey as I have had the opportunity to lead as an educator in three different states and five different grade levels. Needless to say, when I learned about the implementation of the Common Core Standards, I was grateful for the consistency and clarity. Although it has taken a little time to thoroughly unwrap each standard and align our own teaching tools and curriculum to guide students on their journey toward mastery, there is a collective understanding among educators, students, and parents about what students need to know and be able to do. When considering ELA Reading Standards,
Hollenbeck & Saternus (2013) suggest the standards outline a vision of what it means to be a literate person in the 21st century. "Students who meet the Standards readily undertake the close, attentive reading that is at the heart of understanding and enjoying complex works of literature" (p. 558).
As I was revising my Chapter One this weekend, I found the video below. It provides a simple explanation of the why behind our Common Core Standards.
Three-Minute Video Explaining the Common Core State Standards from CGCS Video Maker on Vimeo.


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Our mission is to monitor, analyse and create actionable insight from complex communications across Asia Pacific.
With powerful technology and clever people, we deliver what's relevant when clients need it, driving decisions and opening possibilities.
We employ over 1,000 of the best and brightest across 11 markets with a vision to empower clients to make great decisions, every time.