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Program Manager, Atienza Kali
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What is the bond that holds a community together? If woven properly, how can this common bond positively change the world?
How do we use this bond to strengthen our relationships and grow together as a species?
Topics: a better world community world
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Non PlumJul 25 2013: The usual bond is dependency with role play learned by habit and deviance enforced out by violence. The coercion acts on fear of pain, and fear of loss of the resource upon which dependency has formed. This equates to the main-stream adversarial system of contractual relations.
To 'weave' this bond 'properly', means to decentralize the use of coercion according to principles agreed across the tribe. The basic rules of deliberative assemblies, put in place by force, allow contracts to be formed with as good as possible incoming information. Differing opinions needs must be defined and separated before Juntas form to silence opposition in the name of 'acuerdo'. The classic example, in English, is Roberts Rules, once used by the US Congress.
In time direct democratic process may allow greater mutual benefit, with less emotion invested in mutual violence, more in production.
In reality, the soldiers must be taught democratic process. The beliefs of he who points the gun influence who the corpses and future decision makers will be.
The basics of direct Democracy are: The group has 8 or more persons, each person may speak for an agreed time, (3 minutes), interruptions are over-ruled by force, ( loud noises).
Legitimate interruptions follow an order of priority; Security of the meeting, Health of the meeting, Security issues concerning the information being discussed, Education,(calls for written details), Protocols for handling the debate, (recess, etc), and Protocols for handling the current theme. Outcomes may go to a memory store in the current meeting or to further research and debate outside the current meeting, or a decision may be made, pending security clearance at the meetings conclusion.
Responsibilities for duties are appointed by the same meeting process, with a vote. All authority comes from the meeting, and is valid only until the next meeting: (1 week)
Viva la Revolution
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December 21, 2006
Tifton - - Three suspected drug ringleaders are behind bars tonight after officers seized marijuana, cocaine, and almost $1,000,000 from their homes and cars.
Officers arrested 33 year old Anthony Walker, 47 year old Leonard Royster, and 23 year old Michael Kinsey for conspiracy to trafficking cocaine.
Several South Georgia law enforcement agencies teamed up for one of the biggest drug busts Sheriff Gary Vowell says Tift County has ever seen.
Officers seized guns, electronic equipment, 11 vehicles, four kilograms of cocaine, marijuana, and more than $949,000.
"These guys were very smart, knew how to do it but you play with fire long enough you're going to get burnt. These guys, because of their greed and love of the dollar bill, it finally caught up with them," Vowell says.
The three men are being held at the Tift County Sheriff's office without bond.
Some South Georgians speak out about those arrests. Many people in neighborhoods plagued by drugs want more done to fight the drug problem.
Anytime criminals are off the street, it's a breathe of fresh air for people upset about drugs in their communities. But some people we spoke with say it takes more to make sure young people don't choose the path of drugs.
Solomon Pettiford recalls his Tifton neighborhood of old.
"Used to be in the neighborhood I knew everyone that walked these streets. Not anymore."
Things have changed. People aren't as neighborly and criminals are more bold in their pursuits.
The arrests of three South Georgia men in one of Tift county's biggest drug busts comes as no surprise to him. But with the spike of drug offenses over the years, he's beginning to question why more isn't being done to prevent young men from resorting to drugs to make a quick buck.
"Wishing is fine but if you don't have anything to offer a child so his wish may come true, then you're just barking up the wrong tree as they say."
He's not alone in his thinking.
Catharine Jones feels jail time doesn't scare many dealers, but job skills and life skills need to be taught before young men choose drug dealing.
"I suggest programs as opposed to prison where they might get rehabilitation or if they have drug problems they can go into rehabilitation centers and make them responsible, teach them."
Tift County Sheriff Gary Vowell says the men arrested were the king pens and feels their capture will affect those young dealers.
"They'll see a decrease in drug traffic in their communities and neighborhoods."
Tifton resident Fred Slade says the busts are good, as long as officers work around the clock cracking these types of cases.
"We don't want this to become a politic thing where they're doing something at the beginning of the year, middle of the year and end of the year to try to get peoples' attention. This is a year round event. We have a problem."
Pettiford waits for the day it's fully resolved.
"It changes the whole scenery."
Sheriff Vowell says the almost one million dollars seized in the bust will help provide that drug intervention and education residents are requesting.
The Tift County Sheriff's Office worked with Crisp County, Turner County, Colquitt County, the Mid-South Narcotics Task Force, the G.B.I. and several other agencies to nab the drug suspects.
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* reservations | Ratings & Reviews | Add your review
* For reservations please call the restaurant directly.
Ratings and Reviews
out of 10
Based on 2 reviews
Feature ratings
Recommended for:(% of reviewers recommending)
- Families with young children
- 100%
- Romantic Dinner
- 100%
- Groups
- 100%
- Vegetarians
- 50%
- Travelers with disabilities
- 100%
Recent Reviews
Amuse Restaurant - NEW
Amuse is a brand new restaurant we happened on after meeting one of the waitresses at Tierra del Sol after golfing. This restaurant servers small dishes to be shared and we attempted to try them all. It was absolutely perfect. The owners are a wonderful couple and the owner chef used to be the chef at Flying Fishbone. Every plate on the menu was outstanding. Nice wine list as well.
Best ever!
I can't say enough about how good the food is at Texas de Brazil! The meat melts in your mouth! Make sure to go to their website and join their mailing list. They send out coupons for 2 for 1 and 50% off bills and all kinds of good stuff. With a coupon my family of 4 went and ate the best food we've ever had until we thought we couldn't move and paid only $115 including tip! If you like meat you will love it! If you are a vegetarian.....find somewhere else to go eat! Whatever you do though....don't waste your money going to Amazonia down the street. There is no comparison!


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Monocultures are large areas of land cultivated with a single crop, using methods that imply a high use of inputs such as agro chemicals and machinery. Monoculture crops and plantations have a host of social and environmental problems associated with their cultivation. In the South, monoculture plantations are large-scale and often produce bulk products for the export market, not for local use.
Monocultures include crops (food-based agriculture) and trees (rubber, tea plantations). Crops grown in industrial monocultures are cultivated for both food products (wheat, canola, corn, palm oil, sugar cane), animal feed and oils (soy, corn) and agrofuels (soy, canola, palm oil, jatropha, sugar cane), while forest plantations (eucalyptus, pine and acacia) are largely used for paper pulp, charcoal, timber and increasingly, biomass (with the possibility that they will be used for agrofuels in future).
Social impacts
The social impacts of large-scale monocultures are often disastrous for communities who continue to grow local foods using sustainable practices. Small-scale farmers often cultivate local species which not only contain important minerals for the soils and for human health, but also have adapted to the local environment over many years.
When small-scale farmers are confronted with industrial large-scale monocultures in their area, they are faced with water and other resources shortages, contamination from pesticide spraying and from GMO crops.
The takeover of land by monocultures also causes rural depopulation, destroying local community life and local economies. Monoculture plantations usually provide only temporary labour, for which workers are often hired from outside the region. Land grabbing and forced evictions of local populations are strongly linked to the expansion of monocultures.
By externalising social and environmental costs, monocultures are economically more profitable and therefore out-compete local producers. Markets become dominated by only a few multinational corporations that control the production, the financing, the trade and/or the input production.
All large-scale monocultures take a toll on the earth, one reason being that the growers view what were once local and natural plants and animals as weeds or pests. This upsets the local ecological balance, causing outbreaks of illnesses and negative feedback cycles.
In the monoculture system, locally and naturally occurring plants and animals are merely seen as pests that have to be destroyed.
Growing so many homogenous plants in one area requires a lot of artificial chemical and mineral input. In nature, plants and animals feed each other the chemicals and minerals required to thrive.
For example, leguminous plants fix nitrogen into the soil, a chemical required for growth, and animals provide fecal matter rich in minerals. Eliminating these natural cycles from a diverse ecosystem requires artificial fertilsers that are used to boost crop yields at a great expense to local biodiversity.
Moreover, monocultures are particularly susceptible to disease, which can spread far more quickly over a large area covered by a single crop than in a biodiverse ecosystem. In order to fight these 'weeds', pests and disease outbreaks, cultivators will apply even more herbicides and pesticides to keep the plants growing.
Non-native species
Large-scale industrial monoculture with any plant has serious impacts, but the fact that monocultures are often non-native species adds another layer to the problem. Native species have adapted to the local environment over thousands of years and generally have developed a relationship with other plants and animal species which permit them to survive cooperatively.
Non-native plants thus often require high amounts of water, energy or minerals to survive, which take a devastating toll on the hydro and soil resources as well as other plants and animals living in the area. For example, have you ever tried to grow a cactus in a rainy, cold climate or a fern in a hot, arid climate?
Climate change
While the climate crisis has become a business opportunity for polluters, it is often claimed that the quickest way to fix climate change would be to simply cover the earth with monoculture plantations that would absorb the carbon dioxide, but this could not be farther from the truth.
To begin with, studies show that forests need to stand for many years before they lock-in carbon because most of the carbon is found in the soils.
Plants breathe through their leaves and when the leaves fall to the ground, they return carbon to the soil. The natural carbon cycle between plants, animals, the air, the oceans and the earth maintains a delicate balance. Monocultures are not forests/ecosystems and do not stand long enough to lock-in carbon in the soil. Moreover, monocultures inhibit soil carbon up-take by frequent tilling and pesticide use.
The no-till or low-till methods often advocated by biotech companies as crops deserving climate subsidies are not a solution either because of all of the problems associated with GM crops.
The Clean Development Mechanism, the biggest offset scheme under the UNFCCC, allows projects that include monoculture plantations under the Aforestation/Reforestation track to sell carbon credits to polluters in the North.
In addition, Reducing Emissions from Deforestation and Degradation (REDD) is a controversial scheme being implemented by the UNFCCC and the World Bank which does not differentiate between industrial tree plantations and forests.
These tree plantations and land-related credits are being sold already in voluntary offset markets. Continuing to increase industrial tree and agriculture plantations anywhere, but especially in the South, to 'offset' pollution in the North is not a solution to climate change.
Grassroots organisations and movements around the globe have been and still are fighting against the loss of their lands, water, forests and livelihoods as a result of the spread of industrial monoculture models – eucalyptus, pine, oil palm, rubber trees, soy and jatropha – and challenging this model which has profound impacts on food sovereignty, sustainable agriculture, access to land and water, biodiversity, climate stability, local plant knowledge including medicinal plants as well as indigenous and local communities rights.
Large-scale monoculture plantations destroy the natural diversity of life. They are artificial, driven by profit and are environmentally and socially destructive.
Example of tea
Like other tropical crops, tea still raises a number of sustainability issues although, tea is the second most popular drink in the world, after water and also for a number of developing countries it is an important commodity in terms of jobs and export earnings.
Tea production is labour intensive and the industry provides jobs in remote rural areas. Millions of livelihoods around the world depend on tea picking and processing.
However, as with many other agricultural commodities, real primary producer prices have fallen dramatically over the last three decades. Low prices are affecting the sustainability of the tea sector, with working conditions and the livelihoods of plantation workers and small scale farmers in tea producing countries under pressure.
Meanwhile, tea trade and distribution is dominated by a few international companies that benefit from stable retail prices.
Tea supply chain
Attempts have been made in the past by many researchers to look at matters pertaining to trade, production and stakeholders in international tea supply chains and have made many recommendations to various stakeholders for improving conditions, particularly for plantation workers and tea smallholders, the most vulnerable in the tea industry.
Researchers have found that working conditions for pluckers are often poor, with low wages, low job and income security, discrimination along ethnic and gender lines, lack of protective gear and inadequate basic facilities such as housing and sometimes even drinking water and food.
At the same time there is no possibility for tea plantation workers to improve working conditions because trade unions are ineffective and/or are not representing them because most of them due to political pressure.
While tea production by smallholders is growing worldwide, their situation is often problematic because the prices they are paid for fresh tea leaves tend to be below the cost of production, among other factors.
The sector's environmental footprint is considerable, with reduced biodiversity as the result of habitat conversion, high energy consumption (mainly using logged timber) and a high application of pesticides in some countries.
Environmental issues
The environmental sustainability issues of tea include concerns about land conversion, contamination of soil, surface and water and logging for firewood to dry tea leaves. These are all important drivers for deforestation and loss of biodiversity in the tropical forest areas where tea plantations typically are located.
The intensive use of chemicals in the mono cultural production of tea also raises concerns.
Additionally, the tea industry is affected by a number of social issues such as poor working conditions, health and safety issues, as well as gender specific problems.
Tea is grown in monoculture, which reduces biodiversity. In the absence of other plants to maintain the ecological balance, intensive use of pesticides and fertilizers is needed to protect the plants against pest infestation and to enhance productivity. This leaches out the soil.
In conclusion, globally, companies are increasingly coming under attack for the negative environmental and social impacts of their business activities.
Many are systematically addressing this challenge and eco-labels and certification schemes have proliferated as companies ask for third-party validation of their actions.
But now with as many as 700 eco-labels, how does a company know which one to choose? Examples of certification labels include Fairtrade/Max Havelaar, EKO, Rainforest Alliance, UTZ certified, Fair for Life, ProTerra, the Marine Stewardship Council (MSC) certification etc.
(The writer can be contacted at email@example.com)
Sustainability issues in monocultural farming systems


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GreatSchools Rating
Teacher quality
Principal leadership
Parent involvement
The teachers and staff are just one big family, everyone is related to each other. The school is to focused on sports and the student who have a last name that means something locally.
I went to Adair schools and so did my girls.And I believe that Adair is one of the top Schools in the state. Our test scores are over the top, we also have community backing in all that we do.We are a very close knit type of family, we're a supportive school system.
Adair is a great small school with great community pride and involvement. It has award winning FFA , band and academic programs. It is commpetitive in both girls and boys sports. Adair is always at the top in state testing and API scores. Teachers are easy to work with and concerned about their students. Adair High School is a great school and Adair school system is a great system.
Community ratings and reviews do not represent the views of GreatSchools nor does GreatSchools check their accuracy or verify the reviewers' identities. Use your discretion when evaluating these reviews.
The Community Rating is the school's average rating from its community members (e.g., parents, students, and school staff). The highest possible rating is five stars; the lowest is one star.
101 South Harley Hughes Ave
Adair, OK 74330
Phone: (918) 785-2424
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Whether it's hunting season or you're hunting through your freezer, you'll love these "non-gamey" recipes for elk, deer, and moose.
"Seriously delicious! I had a similar dish at a local gem of a restaurant. I must say this sauce was even better than the expensive (but worth it) restaurant's!" – Dave Lilly
Recipe of the Day
Mr. Bill's New Mexico Buffalo Chili
This hot, spicy, complex New Mexico-style buffalo, chorizo, and pork chili will have you howling like a desert coyote. The meat marinates in dry seasoning overnight, so you'll need to plan ahead.
Similar Recipes | More Daily Recipes
Game Meat Collections6
Venison Recipes
Buffalo Recipes
Duck Recipes
Rabbit Recipes
Goose Recipes
Elk Recipes
Staff Picks
Venison Tenderloin
Hasenpfeffer (Rabbit Stew)
Roasted Sherry Duck
Charley's Slow Cooker Mexican Style Meat
Northern Ontario Partridge (Ruffed Grouse)
Mom's Shredded Elk Sandwiches
Colorado Buffalo Chili
Bacon-Wrapped Grilled Elk Backstrap
Game Meats
Grilled Venison Backstrap
Slow Cooker Venison Roast
Roasted Duck
Deer Chop Hurry
Venison Stew I
Venison Bacon Burgers
Slow Cooker Apple-Scented Venison Roast
Deer Poppers
Venison Chili
Deer Jerky
Ellen's Buffalo Meatloaf
Venison Italian Soup
Venison Fajitas
Slow Cooker Venison Sloppy Joes
Venison Stroganoff
Elk Chili
Peking Duck
Venison Gyros
Honey Duck
Get quick & easy recipes for your busiest days.
All the game-day eats you need to crush the tailgate competition.
Delicious recipes, party ideas, and helpful cooking tips! Get a year of Allrecipes magazine for just $7.99!
Follow these four easy steps to better broiling.
This spicy, creamy, garlicky marinade is great for game hens or chicken pieces.
See how to make game hens stuffed with a simple cranberry and bread stuffing.


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KellyDiff, thank you so much for adding your post! I have a refrigerator full of very ripe apricots & figs that I got for an absolute steal, and once I found this recipe I thought it not only looked delicious, but what a great way to use up both. However, I was wondering how well it would do if I canned it, knowing the acidity level was a concern. You answered that question! Going to try it out & will let you know how mine turns out. Btw, rootbeer can chicken? Wow...where can I get that recipe? Bet that is a great combo.
Apricot-Fig Chutney
Photo: John Autry; Styling: Leigh Ann Ross
Yield: 2 1/2 cups (serving size: 1/4 cup)
More From Cooking Light
Recipe Time
Hands On:
15 Minutes
Total: 30 Minutes
Nutritional Information
Amount per serving
- Calories: 99
- Fat: 0.4g
- Saturated fat: 0.0g
- Monounsaturated fat: 0.2g
- Polyunsaturated fat: 0.1g
- Protein: 1.4g
- Carbohydrate: 23.5g
- Fiber: 2g
- Cholesterol: 0.0mg
- Iron: 0.6mg
- Sodium: 61mg
- Calcium: 24mg
- 3 cups apricots, peeled, pitted, and quartered
- 1/2 cup dried figs, quartered
- 1/2 cup white wine
- 1/3 cup sugar
- 1/4 cup golden raisins
- 1 1/2 teaspoons chopped thyme
- 1 tablespoon honey
- 1 tablespoon fresh lemon juice
- 1 teaspoon mustard seeds
- 1/2 teaspoon cumin
- 1/2 teaspoon ground ginger
- 1/4 teaspoon kosher salt
- Dash of ground red pepper
- 1/2 jalapeño, finely chopped
- 1/2 shallot, sliced
- 2 tablespoons chopped cilantro
- 1. Combine all ingredients except cilantro in a large Dutch oven over medium heat, and simmer. Cook 15 minutes. Stir in cilantro.
My Notes
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Apricot-Fig Chutney Recipe at a Glance
- COURSE: Sauces/Condiments
- CONVENIENCE: Entertaining, Make-Ahead
- MAIN INGREDIENT: Fruits
- DIETARY CONSIDERATION: Low Cholesterol, Low Fat, Low Saturated Fat, Low Sodium
- OCCASION: Summer
- PUBLICATION: Cooking Light
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A stay at the Homewood Suites by Hilton located at Place St. Bernard puts you at the heart of an alpine village celebration. The hotel's colorful rooftops and prime location offering a variety of spacious suites (all of them with fully equipped kitchen), free parking, laundry corner and a magnificent view of the mountain, complete the picture. In the morning, enjoy the complimentary breakfast in the hotel mezzanine. Mont Tremblant is a world unto itself, an irresistible blend of French Canadian flair, joie de vivre and European charm. Come and make yourself at home at the Homewood Suites by Hilton in Mont Tremblant.
Mont-Tremblant, QC, CALess than 250 yards to the lifts
Homewood Suites By HiltonMont-Tremblant, QC, CA
Rental Shops
- A Station Mont-Tremblant ski rental location
- A Station Mont-Tremblant ski rental location
- A Station Mont-Tremblant ski rental location
- Aux Truffes
- Coco Pazzo - Tremblant
- Il Pinnacolo
- L Avalanche
- Garcons Poelés
Policies including cancellation vary by property. With questions about this property's policies, contact a Ski.com Mountain Vacation Specialist.


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Volume 1, Issue 15
Coordinated by the Osher Lifelong Learning Institute, UC Irvine
Everyone is welcome to the University Club Forum, a weekly lunch and lecture on the UCI campus. Buffet lunch begins at 11:30 a.m. and is $13 for University Club members and OLLI members, and $15 for non-members, including tax and gratuity.
Reservations are encouraged, call 949-824-7960 or e-mail email@example.com. For more information, please visit the Osher Lifelong Learning Institute's blog @ www.olliuci.wordpress.com or view the University Club Forum Fall 2013 Schedule.
Wednesday, April 16, 2014
Carol Booth Olson
Associate Professor, School of Education, and Director, UCI Writing Project.
"Creating a Pathway to Academic Literacy: A Cognitive Strategy Approach for Teaching English Learners"
Dr. Olson directs an $11 million grant that will impact 100,000 secondary students and 240 teachers in Southern California - and shares how it is being done.
View Past Forum Lectures
January 30, 2013 - John Dombrink, Ph.D., a renowned author and co-author of many articles pertaining to the "culture war" in America and the controversial issues that are becoming more prominent in our everyday society.
November 14, 2012 – Richard Matthew, Ph.D., Professor of Policy Planning & Design shares the idea that there is an education crisis and how the mismanagement of student loans is hurting students and universities.
Stem Cells: Revolutionizing the Treatments of Human Diseases
November 7, 2012 - Peter Donovan, Ph.D., Developmental biologist provides an overview on stem cell research, insights into our own biology, and how we are using stem cell technology to treat diseases from multiple sclerosis to cancer.
Amy Wilentz, author of "This Rainy Season: Haiti Since Duvalier" (1989), is preparing a second book about post-earthquake Haiti. She has received Whiting Writers Award, the PEN Non-Fiction Award, and a nomination for National Book Critics Circle Award.
January 26, 2011 - Kerry Burnight, Ph.D., Gerontologist shares recent research and information about living a proactive, productive life for longer than we imagined and offers suggestions on interesting ways to do that.
December 3, 2010 - UCI Law School Dean Erwin Chemerinsky speaks to University Extension's annual 2010 Instructor and Advisory Committee Member Appreciation Breakfast at the University Club. In this talk, he compares the forms of education employed by the Law School and University Extension.


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Contact Information:
Sharon Glassberg - Director
The Coalition for Jewish Education serves as an educational arm of the Jewish Community, supporting all existing institutions and programs in their educational efforts. The Coalition seeks to coordinate all Jewish educators to ensure Jewish continuity for the future and provide lifelong learning form pre-school to adult years.
Tucson High School for Jewish Studies (Hebrew High)
The Coalition administers a program for teens that includes Jewish studies courses as well as Hebrew language instruction. Hebrew High is coordinated in conjunction with local congregations.
B'nai Tzedek
We can give a little We want to make a difference. As Jewish teens, we know it is our obligation to work to make the world a better place. Here's how we're doing it—we joined the B'nai Tzedek Tucson teen philanthropy program. We want you to join us, too.
PJ Library
PJ Library (PJ for pajamas!) is a unique program that seeks to engage Jewish families with young children in Jewish life. Enrolled children, ages six months through eight years, receive a monthly mailing of a Jewish children's book or CD.
Holocaust Education
We are pleased to provide a range of dynamic curricular materials in support of Holocaust Education. These curricular materials include creative and effective lesson plans for students grades 5-12 and a library of reference materials to support teachers in their own lesson designs. Issues of tolerance, understanding, respect, celebration of diversity and courage are inextricably linked to Holocaust Education, and we can provide curricular resources for presenting lessons on these themes.
Israel Experience
The Coalition encourages all Jewish youth to travel to Israel on a program of their choice and administers grants, which provide scholarships. Look for more information for summer of 2009. Click here for varioius scholarship opportunities.
Adult Education
The Coalition offers a number of courses to meet specific educational needs. The Florence Melton Adult Mini-school of Tucson offers unique opportunity for adults to study and explore Jewish values, traditions, history and ethics in an informal setting.
Special Needs
The CJE is developing programs for meeting the needs of Jewish children who are learning challenged.
Teacher Training
The Coalition for Jewish Education provides Jewish educators with tools and resources to assist in their teaching. Housed in the Coalition of Jewish Education, the Resource Center, open weekdays and one Sunday a month, contains video and audio tapes, books, computer software programs, a laminating machine and Hebrew stencil machine. Some items can be checked out while others can be used in the Center. Also housed in the Resource Center is a curriculum bank where Judaic Studies teachers can share ideas and lessons for any grade level and subject matter.
A newsletter, "The Source", provides up to date information on new additions to the Resource Center as well as pertinent information for our Tucson Jewish educators. Through the Council for Jewish Education Directors, two teacher inservice workshops are presented each school year featuring professional Jewish educators from both Tucson and around the nation. These workshops provide Tucson's Jewish teachers with continuing education and ways to improve upon their teaching skills.
The Coalition for Jewish Education honors our Jewish educators for their commitment to creating positive Jewish identities and ensuring a strong Jewish future!


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23 Pieces Of Animal-Shaped Furniture And Decor
Think of them like pets without the upkeep
Think of them like pets without the upkeep
Recycled furniture with an altruistic bent
The EXPEDIT as you've never, never seen it before. (Circa 1400 AD)
Why buy a piece of furniture that's only going to function for a few months? These workhorse pieces grow up along with your child. Just think of them as the "Transformers" of your nursery
Make the most of a tiny apartment with these double-duty pieces.
Whether your room is classic, quirky, or somewhere in the middle, these beautiful nightstands are just what you need. Considering a pair? Check out these 8 examples of why your nightstands should match
The decor world's tongue-in-cheek reference to social media savvy
Truth in Decorating: Katie Leede and Jeffrey Alan Marks settle in to consider the best seating arrangements
Special Offer
The Good Wife set decorator Beth Kushnick shares the inspiration behind a new furniture collection
Makeover magic from Leslie Pritchard.
On a budget? You'll love these wallet-friendly side tables from West Elm, Wisteria, CB2, and more
Ellie Cullman and Richard Shapiro get the lowdown on these multifunctional pieces that rise to the occasion the moment guests arrive
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- You are here:
- 2010 prius teaser
2010 prius teaser
Australian Toyota Prius advertisement - Click above to watch the video after the breakWhat do you want from me... I've only got two hands?! Wouldn't we all be a bit more productive if we were blessed with another set of upper appendages, complete with opposable thumbs? Toyota apparently thinks ...
Click above to see the Blue Man Group play around with the 2010 PriusNow it begins to make sense: The previous performance art video teasers for the 2010 Prius were made up largely of edited shots from this teaser, with the Blue Man Group restored to its place. This one doesn't make any more or ...
Click above to watch video after the jumpToyota's irritatingly slow leak of seemingly insignificant 2010 Prius teasers has shown us such riveting details as the hybrid car's startup screen, power seat switch and some sort of all-knowing seeing-eye camera. A much more interesting set of leaks has ...


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Full of Flair Dress
$49.99 2 Left!
This coral dress is as delightful as an impromptu detour through a rose garden! Accented with bitty white dots, sheer lace and a rounded cutout along the front neckline, and navy-blue trim, this fully lined frock adds a sense of tranquility to your day. Sash-tied amidst sheer tights, navy flats, and an embroidered clutch, this charming number will have you yearning to head outside and show it off!
- 100% Polyester.
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- Hand wash.
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I want to be the reasons why you look down at your phone, smile and then walk into a pole.
(via fuckyeahsexanddrugs)Source: traen
I want to be the reasons why you look down at your phone, smile and then walk into a pole.
(via fuckyeahsexanddrugs)Source: traen
the truest comic ever
The old people at the gym are the most hardcore tbh… they get shit done.
True story though lol
(via shitloadofwordsandphotos-deacti)Source: symphonyofawesomeness
Source: seki0930
How to wear Sherlock's shirt.
OMG this is adorable and perfect and so full of meme love I can't even.
In the commentary for Tinker Tailor Soldier Spy, director Tomas Alfredson and Gary Oldman nearly start drooling in lust in that moment, Peter Guillam's first appearance… "Benedict Cumberbatch." - "Yeah"…. "Marvellous young actor." - "Yesss." …. "And that little look…" … "Yeah." … deep sighing breathing…
(via hereasonadarklingplain)Source: moriartysskull
as laura would say
i am bOnER
im sorry but his hair
actually im not sorry his looks like a dumbass with that hair
its stupid
he looks like a stupid nudist
until you are so nude
(via idiotvegans)Source: tavalouris
im too tired to comprehend this
let alone the concept of an entire 'feminist shirtless putin' tumblr
i just looked at this and said aloud, "fuck. im going to deal with this later."
sometimes you have to do that with the internet. goodnight folks.
(via rachmaninoffs)Source: feministshirtlessputin


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Want to carry a 13 inch long axe on your next camping trip without worrying about the bulk of a 13 inch axe? Why not try out the Compact Commando Axe? This ax comes in 3 pieces that are easily broken down to fit into the compact 5 inch belt pouch. Each piece screw in for a secure fit and includes 2 hand holds for a comfortable grip. Get yourself prepared for any challenge, order this Commando Axe online today!
Harry's Army Surplus: Serving Dearborn and Metropolitan Detroit with army navy surplus, uniform gear, boots, army surplus and work clothing since 1950.


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"For the past five years, Sen. George Allen, has failed to tell Congress about stock options he got for his work as a director of a high-tech company," an AP analysis shows. "Congressional rules require senators to disclose to the Senate all deferred compensation, such as stock options."
George Allen in stock disclosure controversy.
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text: New stories Upcoming Incoming 0° Speedrunner Finishes Halo: CE Legendary In Just One & A Half Hours, Making A New World Record 6m ago - YouTube's 'TheDeadaTTicus' has managed to finished Halo: Combat Evolved in just one and a half ho... | PC Comments (0) Source 0° FIFA 15 mobile focuses on Ultimate Team as 80% of users play just 2 modes 6m ago - FIFA 15 Ultimate Team, the mobile edition of the football franchise, features two modes this year... | Mobile Comments (0) Source 0° Dead Island: Epidemic Introduces New Character in "Surivor Lowdown" Video Series 7m ago - Stunlock Studios, the developer behind the Dead Island MOBA spinoff Dead Island: Epidemic, has st... | PC Comments (0) Source 30° Xbox One Exclusive Scalebound's Dragons Explained; Platinum Discusses Relationship with Microsoft 10m ago - One of the most mysterious games currently in development is Pltinum Games' Xbox One Exclusive Sc... | Xbox One Comments (0) Source Ad Destiny The Game Now - Explore Mars, Rediscover Venus, Reclaim the moon, Protect Earth. Become Legend. The wait is over! Destiny is now available to play, Pick up your... | Promoted post Read More SiteBot 30° Bandit Six Dev: Gear VR is 'superior' to Oculus DK1 11m ago - VRFocus - While smartphones continue to grow in power and quality, many still question if they ca... | PC Comments (0) Source


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Suzi's Blog
All-Purpose Honey Mustard Salad Dressing
Marie Simmons is a friend and very trusted author. Trusted? Take any recipe, from any of her 20+ cookbooks, and you just have to follow the simple, totally clear directions. Your results will be, well not just results, but a culinary accomplishment that will truly please you.
Marie's latest venture is Taste of Honey. Here's the first taste test that Suzen tried: a salad dressing that has "the usual suspects" coupled with a good dose of honey. The fun thing here is playing with the amount of honey —Suzen displayed a heavy hand here so there was a distinctly honey tang to her dressing.
And, of course, changing honey varieties can generate enormous flavor shifts. Unlike other foods where you have to struggle to notice the "difference" that "experts" announce, with honey you can be tongue-dead and still be very aware of a flavor difference.
So with this recipe as a template, you can pair different honey flavors with different ingredients. Chicory versus romaine, for example, gives you room for mix and match.
Suzen and I are working our way through this lovely book recipe by recipe. More tasting results to come. No testing is necessary: these are all Simmons perfect.
All-Purpose Honey Mustard Salad Dressing
Yield: 2/3 cup
- 5 tablespoons extra-virgin olive oil
- 2 tablespoon full-bodies red wine vinegar
- 2 tablespoons honey [or more!]
- 2 teaspoons Dijon mustard
- 1 small clove garlic, grated
- ½ teaspoon coarse salt
- Freshly ground black pepper
Combine all of the ingredients in a blender and blend until emulsified. If making by hand, combine all of the ingredients except the olive oil in small deep bow. Add the olive oil a few drops at a time, continuously whisking until emulsified.
Store in a glass jar at room temperature for up to 1 day or refrigerate and keep for up to 1 week.
Source: Taste of Honey by Marie Simmons
Green Goddess Dressing and Dip
Do you like tarragon? French nobility did. As one of the "fine herbes" in French cuisine, tarragon plants were a key component of the gardens of French nobility. Peasants need not apply.
And while the French Revolution was certainly not tarragon inspired, one benefit was the release of tarragon seeds to the world.
A little goes a long way. Read any description about tarragon, and you will get that warning. The flavor is distinct and can easily overpower a dish.
A cardinal dish that is tarragon-based is the famed Green Goddess Dressing. According to Wikipedia, this dressing was created in San Francisco in 1923 to recognize actor George Arliss for his play The Green Goddess. The original version, supposedly, was based on mayonnaise, sour cream, chervil, chives, anchovy, tarragon, lemon juice and pepper. My version below has parsley, not chervil, and optionally suggests yogurt instead of sour cream.
The changes are minor and you are free to make yours. The original recipe is lost in time. In the 1970s, manufacturers created bottled versions of the dressing, which now appear on a limited number of store shelves. Some "new" versions are out there, like a brown tahini version thanks to Trader Joe's. You are far better off sticking with the green style, tart and vibrant. And you are far, far better off if you make your own.
As a salad dressing, Green Goddess will bring life to your table. As an appetizer with chips, it can stand side to side with the best of margaritas.
What is the perfect accompaniment? Crab. Crab. Crab. In fact, tomorrow's post is Crab Hush Puppies! That recipe and this one come from the lovely book The Cast Iron Skillet Cookbook, which is filled with ideas for the black pan sitting on your shelf. Use it! And, there's a new edition of the book with even more for you to enjoy.
Green Goddess Dressing and Dip
Yield: about 2 cups
- ¾ cup fresh tarragon leaves
- ¾ cup fresh snipped chives
- ¾ cup fresh Italian parsley leaves
- ⅓ teaspoon salt
- 1 clove garlic
- ¼ cup freshly squeezed lemon juice
- 2 tablespoons anchovy paste
- 1 tablespoon Dijon mustard
- ⅓ cup extra-virgin olive oil
- ¾ cup sour cream or plain yogurt
- Freshly ground black pepper
Place the herbs, salt, garlic, lemon juice, anchovy paste, and mustard in a blender. Puree until smooth. With the blender on, slow add the olive oil.
Transfer the mixture to a medium bowl, and stir in the sour cream until well combined. Season to taste with additional salt and pepper.
Source: The Cast Iron Skillet Cookbook: Recipes for the Best Pan in Your Kitchen by Sharon Kramis and Julie Kramis Hearne
Photo Information: Canon T2i, 18-55MM Macro lens, F/2.8, 1/25th second, ISO 3200


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At the annual Association of American Publishers meeting in New York on February 28, the topic was "Innovative Solutions for Historic Challenges," and those ranged from education to the current congressional impasse, to copyright. Education critic and NYU professor Diane Ravitch was on hand to address the first, Senator Olympia Snowe discussed the second, and…Continue Reading
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This Week's Cryptid Chronicles Poll!
Today's question is a sequel to our "What is the Scariest Cryptid You'd Never Want to Meet?" poll from last year (You can still vote on it if you havent!).
To participate, please select an answer from the poll and feel free to leave a brief or detailed comment to this post! If you select "Other", please explain!
Vote to see all results!
What was the first Cryptid you remember learning about?
This Week's Cryptid Chronicles Question!
For many people the first cryptid they ever heard about was one of the "celebrity cryptids" like Bigfoot, Nessie, Yeti or Chupacabra. For others, their first schooling may have been of a more obscure or local-based cryptid.
I was wondering what cryptids were the first introduction to cryptozoology for the Cryptid Chronicles readers? And how did you learn about them? Parent, school, newspaper? Remember, Cryptozoology literally means the "study of hidden animals," searching out creatures which are thought to be nonexistent by popular biology, legendary, or considered to be extinct. So what about it, readers? Please leave your comments! Thank you!
The Gargoyles of Chile
The deep, shadow shrouded jungles of South America are rife with carnivorous predators rarely seen by the human eye, but as intimidating as the creatures lurking in the dense rain forests of this mysterious continent may be, the arid plains of northern Chile are said to harbor a colony of chillingly bizarre beasts, which are quite unlike anything supposed to be living on the Earth.
Situated in the northernmost portion of Chile , less than 12-miles away from the port city of Arica , is a sprawling swathe of red sand desert known as Pampa Acha. The only real nod to the existence of humanity in this desolate region is the Pan-American Highway , which twists through this barren wasteland like an asphalt serpent.
It was on this lonesome stretch of road that in July of 2004, an army sub-officer with the "Cazadores" regiment named Carlos Abett de la Torre, his wife Teresa, their three children and a nephew would have a harrowing encounter with a group of fantastic creatures, which seemed to jump straight out of the pages of an ancient bestiary.


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Art - Trip/Tour
Wednesday, November 14, 2012
Worcester Art Museum
55 Salisbury Street
Worcester, MA 01609
Google Maps - MapQuest
Wednesday, November 14, 2pm, and again Saturday, November 17, 2pm
Twelve Step programs are well known for use in recovery from addictive or dysfunctional behaviors. Docent Ginny Powell-Brasier will lead you through works of art that represent this spiritual progression.
Cost: Free with Museum Admission
Public Woo Card: Swipe for one Woo point
College Woo Card: Swipe for one Woo point
Suggested Audiences: College, High School, Adult, Elders
Last Modified: July 19, 2012 at 4:37 PM
Add/Suggest Event | Edit Your Events |
Powered by the Social Web - Bringing people together through Events, Places, & Common Interests


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Reader Comments (Page 1 of 1)
I noticed that vanish is not dropping threat lately, have you noticed that too? There are a number of times where I'll BF+KS and then shortly thereafter have a lot of angry trolls beating on me, so I'll vanish... and then they come right back once I hit them again and come out of stealth. The tank and healer should definitely have more aggro than me, post-vanish, but still they want me.


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"It's time to fall in love with Suzanne Enoch." —Lisa Kleypas
The Price of Passion…On a mission to rescue his runaway sister from the lure of flowery compliments and a useless lot of satin-clad scalawags disguised by their snooty titles, Ranulf MacLawry, Marquis of Glengask, has roared into British society like a storm across the Scottish Highlands. But he's about to find out that satin has its appeal, especially when it covers the curves of Miss Lady Charlotte Hanover—whose tongue is as sharp as her skin is soft...…is Pure PleasureLady Charlotte Hanover has had her fill of hot-headed men, having lost her fiancé in an utterly unnecessary duel. When did brawn ever triumph over brains? And yet there is something solid and appealing about the brash Highlander who's as dangerous in the ballroom as in battle. Sometimes bigger really is better… in The Devil Wears Kilts.
"Always an eagerly anticipated pleasure." —Christina Dodd
and her bestselling romances
4 1/2 Stars! "A new series begins with a touching, humorous love that the talented Enoch pulls off with panache." —RT Book Reviews on THE DEVIL WEARS KILTS
"Suzanne Enoch has proven once again why she is a romance reader's favorite – The Devil Wears Kilts is simply divine!" —Reader to Reader on THE DEVIL WEARS KILTS
"Suzanne Enoch is a powerful voice in the historical romance genre." —Night Owl Reviews on THE DEVIL WEARS KILTS
"A joyride of a novel…a sensual romantic caper sure to win applause."—Publishers Weekly (starred review)
"Reading a book by Suzanne Enoch is like stepping into a time machine. She so adeptly transports readers…."—New York Journal of Books
4 1/2 Stars! "A new series begins with a touching, humorous love that the talented Enoch pulls off with panache." —RT Book Reviews on THE DEVIL WEARS KILTS
"A highly gifted author."—Romantic Times
"With her carefully drawn characters and plot chock-full of political intrigue, greed, and scandal, Enoch has put a nifty Regency spin on the Beauty and the Beast story." —Booklist
"Suzanne Enoch has a gift for piquing a reader's interest."—Sun Journal
"Ms. Enoch provides an entertaining read…an often amusing and just as often dangerous battle of the sexes that will delight fans."—Harriet Klausner
"Dazzling, delicious, and delightful."—Karen Hawkins
"Always an eagerly anticipated pleasure."—Christina Dodd
"Indulge and be delighted!"—Stephanie Laurens
"One of my very favorite authors."—Julia Quinn
"With her fascinating characters, lyrical prose, and whip-smart dialogue, Enoch has created a novel to be cherished."—Lisa Kleypas
Suzanne Enoch


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Monday, 5 December 2011
seven dollar click -is it a scam
8 comments:
YES it is a scam. i filed a complaint at scambook..here's the link so that you can read my story..ReplyDelete
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I found out that I'm just wasting my time :(
how to request withdraw On www.sevendollarprc.comReplyDelete
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Payment address / account #:
whats i put their ?
i gave payza E-mail but system auto said give account ID In Number?
i am not Understand whats Account Numbe ri gave their? Kindly Anyone can help me
WHATEVER YOU DO......NEVER GIVE YOUR PAYPAL OR PAYZA password or personal id......... If you do, they will clean up your account to the last cent. THAT IS A VERY, VERY BAD THING.ReplyDelete
2 DAYS BEFORE I REACH 7,000.00, I PAID $85.00 TO UPGRADE TO PREMIUM. Now, I am in the process of trying to dispute.. If paypal can not reach these people in 10 days, paypal will refund my money ....I love paypal. THEY WILL PROTECT YOU FROM ANY SCAMS.ReplyDeleteReplies
What was the outcome? Did paypal get things taken care of for you?Delete
hi frnds 2 days back i reach 7000 dollars.Can any one tell me the how to withdraw money and how to add the 7000 dollars to my pazza accountReplyDelete
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hai friendsReplyDelete
i withdraw $4020 at 31.05.2014 but not Received mony to my paypal A/C


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Your basket is empty.
More commonly known as the 'Purple-leaved Plum', Prunus Pissardy produces a small amount of red and yellow plums during the autumn season. Early to mid-spring sees the smooth green bark covered in masses of blush white flowers. These are joined by ovate leaves that begin red in spring and turn purple in summer.
The Prunus Pissardy is fully hardy, thrives in any exposure level and most soil conditions except for waterlogged soils. Its attractive foliage and low maintenance make it well suited for small gardens.
This tree is stored in a 7.5 litre pot and will be approximately 1.5 metres tall. Aged just 2 years, the Prunus Pissardy can expect to reach heights of 10 metres, with a similar width when it becomes fully mature aged around 36 years.
Planting instructions
On arrival of your tree ensure that you water thoroughly, especially before planting. Preparation of the planting are is important too; make sure you remove any large stones and perennial weeds from the soil. Adding lots of organic matter, such as well rotted garden compost or farmyard manure, to the soil is highly beneficial and will aid in establishment. Water when planted and throughout the first growing season in one week intervals.
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7-14 working days unless otherwise stated on the product page. Selected, plants, bulbs and potatoes are delivered at the appropriate time for planting which will be stated on the product page or in your order confirmation.
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If you are not satisfied with any purchase from Lead the Good Life, you may return goods within 30 days of receipt for a full refund.


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"Who Stole My Last Piece of Chicken?"
click-thru visuals provided by the sticky-fingered, cigar splitting folks at cocaineblunts
i only just realized that dude's dreads are 1/4" plugs.
"no rock'n'roll, it's just soul
ain't nuttin changed, i still like to hit the hole with my pole
smoke a stoge and then i roll
and when my corn hurts i wear a dr. scholl"
Get On Down's Nas Illmatic Deluxe "Gold Edition" Bundle (CD & Vinyl)
Nas Illmatic Deluxe "Gold Edition" CD
* "24k Audiophile Gold Disc" CD with re-mastered audio and actual 24-karat gold embedded in the CD, housed in a "Cherrywood Trophy Box" with gold plaque
* 48-page full-color, hard-cover liner notes book including extended artwork, full album lyrics and liner notes from The Source founder Jon Schecter
* Black 2-piece outer box with 1994 "Nas" red-on-white logo sticker [GetOnDown.com Exclusive!]
* Reproduction of 1994 Illmatic press release, with two 8 x 10 glossy promo photos from Illmatic PR campaign [GetOnDown.com Exclusive!]
* Rare 1994 promotional poster with full album lyrics printed on back [GetOnDown.com Exclusive!]
Nas Illmatic LP
* Reproduction of 1994 Illmatic press release, with 8 x 10 glossy promo photos from Illmatic
* Rare 1994 promotional poster with full album lyrics printed on back
The 'Illmatic' Influence Infographic (via @grantland33)
This is the Illmatic Influence Infographic, a color-coded chart that shows (probably) all of the songs that currently use a sample from Illmatic.
Illustrations by @SheaSerrano


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You are currently browsing the tag archive for the 'Citi' tag.
> Posted by Juan Blanco, Associate, Financial Inclusion 2020, CFI
A few weeks ago J.P. Morgan made a $30 million commitment to create the Financial Solutions Lab, a move representative of the growing recognition among all financial stakeholders of the importance of financial capability.
The Financial Solutions Lab, a five-year initiative, will be managed by the Center for Financial Services Innovation (CFSI) and it seeks to bring together experts in behavioral economics, design, technology, and nonprofit services in order to develop innovative and scalable financial products and services that strengthen client financial capability and well-being. Ideo.org and ideas42 are to serve as strategic partners on the initiative. By bringing these stakeholders together, the Lab aims to identify new ways in which customers can improve credit behavior, increase savings, and build assets.
> Posted by Jeffrey Riecke, Communications Associate, CFI
What's the percentage of MFI clients worldwide that are LGBT? How about the percentage of staff at MFIs? Broader yet, how inclusive is the financial services industry of queer and trans people?
As you'd probably guess, concrete answers to these questions aren't available. And even raising the issue is controversial in many countries. Over the past year anti-gay legislation was enacted in Russia, Nigeria, Uganda, and India. The notion of financial institutions working towards LGBT-inclusive operations is far off in many countries.
But here in the U.S. (and in other areas worldwide) change is happening, as demonstrated at the Out on the Street Summit last week in New York City. The event, part of the Out on the Street initiative, featured senior leadership from some of the largest financial services providers in the world, including Michael Corbat, CEO of Citigroup, and Ajay Banga, President and CEO of MasterCard. Held on May 1, the event focused on business opportunities and leadership strategies for and within the LGBT community, as well as the financial services industry's role in advancing LGBT equality.
> Posted by Center Staff
Expanding financial inclusion to the 2.5 billion unbanked individuals around the world is essential, but why does it matter, and is it possible in the next six years?
In recent years, the inclusion movement has achieved critical support and rapid progress. Last year universal financial access by 2020 was endorsed by World Bank President Jim Kim. Technology-enabled business models are catalyzing outreach, building on infrastructure like the mobile phones now accessible to six of the world's seven billion people.
In the following video, global financial inclusion leaders explore the questions of whether financial inclusion is possible by 2020, and why we should work towards that goal.
> Posted by Center Staff
The following post was originally published on the CGAP Microfinance Gateway.
In follow up to the Financial Inclusion 2020 Global Forum in October, Susy Cheston, Senior Advisor at the Center for Financial Inclusion (CFI), shares key takeaways from the event and what the ongoing impact of this gathering will be leading up to the year 2020.
The Financial Inclusion 2020 Global Forum was a new event in the industry. Why did CFI organize this event?
Our overall goal for the FI2020 Global Forum was to put forward a vision of full financial inclusion for all by 2020, bringing together the leaders from the private and public sectors who can make that vision a reality. Part of the premise was that these different stakeholders don't often talk with each other, and that there was value in enabling people who ordinarily work on separate aspects of financial inclusion to hear from each other and become more aware of how their own work fits into the broader picture.
Full financial inclusion by the year 2020 is an audacious goal. Did participants agree it was an achievable one?
Very much so. Participants were very optimistic, especially in light of recent innovations in technology, product development, and regulation.
Bob Annibale, Global Director, Citi Community Development and Microfinance, shares his views on the lead up to the FI2020 Global Forum, as well as reflecting upon the panel discussion 'Global Trends & Emerging Markets'.
Please share with us Citi's perspective on the lead up to this Global Forum
What led us to this point is a convergence of a number of organizations that have been working together originally on traditional microfinance. As that grew, some of the original microfinance institutions became banks, cooperatives, credit unions, and other players that were trying to work on some similar issues with the same communities. In other words, it was a bigger discussion.
We then found other players like mobile operators and the card companies becoming interested in financial inclusion, or becoming interested in businesses that will probably expand financial inclusion. They didn't come at it with a goal of financial inclusion necessarily, but the work that they're doing is leading towards that.
So, we realized we needed to convene a wider range of organizations than we had before. And that was the discussion that led us with Accion and CFI to come up with a goal for financial inclusion. With the goal of 2020, it's hopefully far enough off for us to do something, but it's not so far off that it seems a pipedream. With the belief that there can be exponential growth using new technology and a much wider range of institutions, it has become an ambitious target for financial inclusion.
Emerging markets and banks
I don't think that many of the banks that are not already in emerging economy/developing countries are suddenly going to become active. We don't see new banks or international banks in Dhaka or Chittagong or in Hanoi or Kinshasa. And it is an awareness among local banks too that there is probably another way other than the old model of the bricks and mortars branches to expand access. Read the rest of this entry »
> Posted by Jeffrey Riecke, Communications Assistant, CFI
Peru ranks as the developing country with the best environment for microfinance, followed by Bolivia, Pakistan, the Philippines, and Kenya, in that order. Latin America and the Caribbean is ranked as the best region in the world for microfinance, followed by Sub-Saharan Africa, Asia, Eastern Europe and Central Asia, and lastly the Middle East and North Africa. Globally, the microfinance industry is improving, fueled largely by an increase in credit bureaus, improving client protection, and the spread of regulatory frameworks for mobile banking.
These are a few of the big takeaways from the Global Microscope on the Microfinance Business Environment 2013, which was launched yesterday in Guadalajara at the IDB's 2013 Foromic conference. Now in its seventh year, the Global Microscope annual series examines the environment for microfinance – and increasingly financial inclusion – by considering the national regulatory environment and the corresponding institutional framework.
Originally developed by the Economist Intelligence Unit in collaboration with the Multilateral Investment Fund and CAF, this year's study is also sponsored by Citi Microfinance and CFI. This year's report scores 55 countries, and in general, the global picture is promising. Since last year, 30 countries improved their scores, 19 fell back, and the scores of six countries remained the same. The majority of improvements this year came from advancements in institutional frameworks. The scores for regulatory framework and practices mostly declined.
As a region, Latin America and the Caribbean countries claimed half the slots in the global top ten, with Peru maintaining its previous ranking as the top country in part through improvements in regulation for mobile banking. Unlike the rising score for Peru, Bolivia's score fell, due to restrictive new legislation, although not far enough to dislodge Bolivia from its number 2 ranking.
> Posted by Center Staff
Today, we're excited to announce that Michael Corbat, CEO of Citi and Ajay Banga, CEO of MasterCard will attend and deliver remarks at the Financial Inclusion 2020 Global Forum. Taking place in London on October 28-30, 2013, the Forum is a one-time event that will promote a global agenda for bringing about the financial inclusion of more than 2 billion people around the world, using the year 2020 as a focal point.
Other confirmed speakers to date include:
- Shamshad Akhtar, Assistant Secretary-General, United Nations
- Matthew Bishop, U.S. Business Editor and New York Bureau Chief, The Economist
- Cherie Blair, Founder, the Cherie Blair Foundation for Women
- Elizabeth Buse, Global Executive, Solutions, Visa Inc.
- Sendhil Mullainathan, Professor of Economics at Harvard
- Duvvuri Subbarao, former Governor of Reserve Bank of India
Organized in partnership with Citi, Visa Inc., MasterCard, the Bill and Melinda Gates Foundation, Western Union Foundation, MetLife Foundation, and the Financial Times, the Global Forum is a unique opportunity to engage a broad range of players in financial inclusion through a collaborative environment. The Forum will build on the project's two-year efforts and unveil recommendations from the Roadmap for Financial Inclusion that outlines the most important steps to advance financial inclusion in 2014 and beyond.
"We are thrilled and grateful to have the support of such a wide range of high-level participants at the Global Forum," said Elisabeth Rhyne, Managing Director of CFI. "The breadth of involvement – from across the private and public sectors – demonstrates the broad support of Financial Inclusion 2020 and the fact that reaching full global financial inclusion will require the combined efforts of all stakeholders."
> Posted by Isobel Coleman, Senior Fellow for U.S. Foreign Policy, Director of the Civil Society, Markets, and Democracy Initiative, the Council on Foreign Relations
The following post was originally published on Democracy in Development, Coleman's CFR blog.
Imagine life without a bank account. Completing a simple financial transaction can require traveling a distance, incurring expenses, and losing precious income. Savings are more difficult to track and certainly don't earn interest. Theft or loss of the proverbial "cookie jar" is a constant worry. Indeed, studies show that informal savers lose as much as 25 percent of their hard-earned cash each year due to theft and loss. Yet for over 2.5 billion people globally, this inconvenient, inefficient, and expensive reality is the case.
There are many reasons to believe that the number of unbanked people will shrink significantly in years to come, with important positive implications for economic growth and poverty reduction. First, grassroots and country-level efforts, both nonprofit and for-profit, are already showing how "unbanked" doesn't have to be the status quo—and these efforts are greatly facilitated by mobile phones. Kenya is well-known for the widespread use of its mobile money system M-Pesa, which allows people to pay for goods and services through cell phones instead of with cash. Started in 2007, M-Pesa has already been used by the vast majority of Kenya's adults.
Second, major financial institutions are supporting efforts to give more of the world's population access to bank accounts and standard financial tools. Last summer, I wrote about Visa's purchase of the mobile payments system Fundamo and the collaboration between USAID and Citi to expand financial inclusion, a promising instance of big financial institutions bringing their resources to bear on closing the financial inclusion gap.
> Posted by Jasmine Thomas, Program Officer for International Financial Capability & Asset Building, Citi Foundation
The Financial Inclusion 2020 campaign at the Center for Financial Inclusion at Accion is building a movement toward full financial inclusion by 2020. Accordingly, this blog series will spotlight financial inclusion efforts around the globe, share insights coming out of the creation of a roadmap to full financial inclusion, and highlight findings from research on the "invisible market."
Lately, I've reflected upon the motto of a former clothing retailer that operated in the U.S.— "An educated consumer is our best customer." In recent years, more NGOs, microfinance institutions, and financial service providers are beginning to embrace this notion. They are devoting more resources to building the financial skills of low-income microfinance clients and small savers, and increasing knowledge in the field about what helps them maintain positive financial behaviors.
Saving for the Big Day
So, does investing in the financial capability of clients really benefit both service providers and clients? Women's World Banking and SEWA Bank in India believed that both investing in and ensuring that clients' financial needs and goals were met would produce social and economic benefits for the institution and the clients. With our support, the organizations implemented Project Samruddhi to test this theory by embedding financial education within their core banking operations. To support clients' efficacy, saathis, or bank agents, were taught how to embed short, concrete financial education messages in routine client banking interactions and services.
SEWA Bank and WWB also designed and launched a savings product that targeted clients' specific financial goals, like paying for a daughter's wedding. Each client established a savings plan, including the total amount needed as well as the frequency of deposits. A mobile phone app enabled clients with low literacy skills to visually see how their savings accumulated with each transaction. These regular graphic visuals of their progress fueled their motivation and sense of empowerment to continue saving to meet their goal. To measure client results, WWB assessed teller-client interactions, bank transactions, and client feedback.
> Posted by Adriana Magdas, Senior Associate, CFI
The Financial Inclusion 2020 campaign at the Center for Financial Inclusion at Accion is building a movement toward full financial inclusion by 2020. This blog series spotlights financial inclusion efforts around the globe, shares insights from the FI2020 consultative process and highlights findings from "Mapping the Invisible Market."
A sneak-peek version of the early findings from the Roadmap to Financial Inclusion is now available on our website. Developed through a consultative process of more than 40 experts spanning the public and private sectors, these key messages suggest what stakeholders across industries and regions should do to take action and advance financial inclusion considerably in the next decade.
They answer questions such as: what role can technology providers play in increasing the financial capability of clients in the regions where they operate? How can providers and consumer groups develop means for clients to raise their own voices?
The focus areas of these early findings are based on the seven-point priority action agenda identified by the CFI in 2011 through the Opportunities and Obstacles to Financial Inclusion survey of industry practitioners, donors, and investors. They are as follows: Read the rest of this entry »


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'Grimm': Silas Weir Mitchell on being a good big bad wolf
Story | May 21, 2013 | 1:10 PM
'Grimm': Silas Weir Mitchell on being a good big bad wolf
Story | May 21, 2013 | 1:10 PM
CBS goes for laughs with 2013-14 TV schedule
Story | May 15, 2013 | 6:44 AM
Re-election liberation suits Martinez
Column | Feb 27, 2009
The jockeying to fill Mel Martinez's U.S. Senate seat is so intense that one might forget Martinez is still in it. Not only that: The Orlando Republican has nearly two years left. And now that he doesn't have to spend time running for re-election,...
'30 Rock,' 'Breaking Bad' Earn Writers' Love
Story | Dec 8, 2008
NBC's much-lauded "30 Rock" and AMC's underdog show "Breaking Bad" are among the best-written TV shows of the past year, according to the people who write TV shows. Both series earned multiple nominations for the 2009 Writers Guild Awards, with "30 Rock"...


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Theme park cast member stories: Writing your own script
Written by Robert Niles
Every Monday, Theme Park Insider editor Robert Niles shares one of his stories from working as a cast member at Walt Disney World's Magic Kingdom. If you have ever worked at any theme park and have a story you'd like to share in this weekly feature, e-mail Robert.Tweet
Most Disney World attractions jobs require some level of spieling - that is, speaking a script to guests. At minimum, you offer a few safety instructions as guests board a ride vehicle. At the other extreme, you're working a ride like Jungle Cruise, where your spiel is the attraction.
By dumb luck, I was one of the few male cast members who worked more than a year in Magic Kingdom West attractions and never once pulled a shift in the Jungle. But that didn't stop me from telling silly jokes to try to get a laugh.
Weird Al is right about one thing - the Magic Kingdom is filled with actors - former actors, aspiring actors and part-time actors. The nature of the job attracts people who are comfortable in performance. So we spiel. (To this day, if you call me for a public speaking or TV gig - and my sked is free - I'll be there.)
There was no script for spieling on Tom Sawyer Island, but I always enjoyed talking with (and performing for) the guests. So at those times when we enough people in the rotation to cover a dock attendant, I made up some spiels, rather than stand there in awkward silence while waiting for the next raft. None of these were SOP (standard operating procedure, Disney-written spiels); I just made 'em up myself.
My favorite was a "safety" spiel.
"Good morning, everyone!" (Wait for response.) "Oh, come on, you can yell louder than that; I said Good morning!" (Wait for response.) "My name is Robert and I'd like to welcome you to the Tom Sawyer's Island rafts. Now our rafts are the only way over to Tom Sawyer's Island, which really is an island. It is completely surrounded by the Rivers of America.
"So just come on back to the raft dock where you arrived on the island when you want to come back to Frontierland. Now, if you don't want to ride the raft back, though, there is one - and only one - other way back off the island.
"Everyone raise your right hand, over your heads, please." (I raised my hand, and waited for the crowd to do the same.) "Now put that down, and raise your left hand, over your head." (You have to envision us all raising and lowering our hands over our heads.) "Now, the right again, then the left, and the right... and if you want to add in a kicking motion, that'll help you get off the island a lot quicker, too.
"Or... you can just come on back to the dock and wait for the raft."
This spiel, in addition to waking everyone from their slumber before they visited what is, essentially, a playground, helped prevent the second most-frustrating question we got from guests: "Is there any way else back off the island?"
(The first most-frustrating question was "Are these rafts on tracks?" Grrrr.....)
I had a go-to line while driving the rafts, too, which I delivered as I pushed the raft away from the mainland dock.
"If anything should go wrong during our trip, oxygen masks will drop from the compartments above your heads, and your seats may be used as a flotation device."
Of course, the TSI rafts have no roof, and no seats. Still, every time I cracked this joke, some people would look up to find the masks or down to find their seats. And their friends would laugh at them for doing it.
I'm sure the current and former Jungle skippers who read TPI have some personal favorite non-SOP jokes that they could share, as do folks who worked other attractions. Feel free to share 'em in the comments.
Readers' Opinions
From Anthony Murphy on July 20, 2009 at 8:05 AM
The last time I was down at WDW, I went on a night Jungle Cruise and I got to see the illusive talking hippo calling for his mother! (Skipper turns off lights in hippo area and yells "HEY MA!". Guess thats not Disney's SOP.
From kerri kosmas on July 20, 2009 at 9:57 AM
i used to work at speedway. our only spiel we needed was "no bumping" like that did anything but tempt them! Questions I got all the time: "where's the break?" (there is only one pedal push to go take your foot off to stop) "which one is the break" "how do i go" "i ran out of gas(they took the foot off the pedal)"
From Joshua Counsil on July 20, 2009 at 11:19 AM
Not bad, Robert. It's nice to see people put in extra work to entertain the guests.
From Albino Pygmy on July 20, 2009 at 12:08 PM
Former Jungle skip here, and I have to say, you would have been a living legend in the Jungle if you had decided to venture out in our neck of the woods. I've taken guests down the rivers of adventure a couple years ago, so I'm no legend, nor do I have any of my own lines to brag about.
However, there were a few times when my mind goes into "autopilot mode" where I'd just do the standard OG spiel and I'd start spieling about how we just discovered the secret bathing pool of the Indian elephants, and we have just passed the plane crash heading into the hippo pool. When that happens, it does snap me out of autopilot mode and trying to not make myself look dumb, I continue onwards with my elephant spiel in the hippo pool, continue the rest of the normal spiel, and then do the hippo spiel as soon as we pull out of the temple, and then comment how I'm still learning the difference between hippos and elephants. I know my zebras because they're black and white, and not large gray matters.
And then when we do pull up to the unload dock, there are a bunch of great lines I loved using:
From 220.127.116.11 on July 20, 2009 at 12:20 PM
We were in Disney In December and got on a early ride of JC. The Skipper asked if we were all loaded? Of course we said "Yes!" and his reply was "Kind of early to be loaded don't you think?" Of course wanting to have a good time I just could not resist replying "It's 5 o'clock somewhere!" Our skipper just laughed and said "I see its going to be one of those mornings already!" The rest of the cruse was one joke after another. A good time was had by all! Just goes to show that not just CM's can get in on the fun.
From 22.214.171.124 on July 20, 2009 at 1:50 PM
I was a fantasyland cast member and when things would get slow at Dumbo the Flying Elephant, we would sometimes tell guests to make sure they didn't bump into the dumbo in front of them.
From Brian L on July 21, 2009 at 2:59 PM
At Splash Mountain everyone always used the "Please lower your lap bar" spiel when, of course, the lap bars are firmly held in place. The guests would try to lower the bars but to no avail. Then when the log was being dispatched the guests would yell out to us, "They aren't coming down!!" and would freak out a little bit. We would reply in turn, "Oh sorry, you must have got the busted one....Have Fun!!!" That never ever got old.
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By Amanda Hatfield
Staff writer
MELBOURNE -- Winning a state championship title during one's high school career, while incredible, is a lofty goal for most.
Two state titles? A pipe dream.
However, that pipe dream is, remarkably, a reality for several senior members of the Lady Bulldogs soccer team at Melbourne High School.
Seniors Riley Collins and Alex Koeing are a part of Melbourne High history, claiming state championships during their freshman and senior years, respectively.
Despite her recent success, Riley, a forward for the Lady Bulldogs, started freshman year off on a sour note.
"I broke my tailbone right before the season started," Riley said. "It was slightly bruised before, but I hit it during speed training and hurt it even more at a tournament in Savannah."
After getting X-rays, Riley was informed that her tailbone had a slight fracture.
"Since I couldn't play, I managed the team freshman year," Riley said.
Team captain and center back, Alex, played all four years of her high school career.
"The thing about Riley is that she's always been such an impact player, so when she was hurt, it was really sad," Alex said. "Having her on the team this year was like seeing that old spark come back in her; it was so exciting."
As team captain, Alex was given many responsibilities.
"Our team was really incredible, so I didn't have to be a disciplinary leader," Alex added. "It was more like, if anyone needed someone to talk to, I was there for them."
Alex's duties as captain also doubled as the team's cheerleader.
"Before big games, especially in post-season, I was there to pump everyone up before we took the field."
Winning the Florida High School Athletic Association's state championship as a freshman was a major success.
"The older girls on the team had won state the year before," Alex said. "Repeating was the goal, and obtaining that was absolutely incredible."
However, Alex and Riley's sophomore and junior seasons would be much more challenging.
"In past years, we made it to the state semifinals and regional finals," Alex said. "At that point, I think we didn't have as much belief in ourselves as a team."
Their senior season proved to be completely different.
"Going into this year, our biggest challenge was believing we could actually make it to and win state," Alex said.
With an incredibly talented roster, the Lady Bulldogs finished their season with an astounding 25-0-1 record.
"This year felt different, like we were a new team," Alex said. "Once we got to post-season, everyone was focused on where we needed to be."
The one tie the Lady Bulldogs had was to the Rockledge Raiders.
"The tie against Rockledge was a major wake-up call," Riley said. "Even though Rockledge has a great program, we knew we could be better."
With the tie serving as a great learning experience, the Lady Bulldogs tidied up where they needed to and surged forward.
After sitting on the sidelines for her freshman, sophomore, and junior seasons, Riley almost didn't play for the team.
"I talked to Coach Rosie Lord after tryouts, and she told me that she definitely wanted to offer me a spot on the team," Riley said.
The only unknown would be the amount of playing time Riley would get.
"Being a substitute didn't matter to me," Riley said. "I just wanted to be a part of the team, and I got a lot more time than I expected, especially in the post-season."
Both girls are seasoned soccer stars, gracing the pitch since they were 3 years old. Riley began playing competitively at age 9 and Alex began in the sixth-grade.
While soccer tends to be a popular sport amongst all ages, playing for such an extended period of time can be rare, especially at the competitive level and with two infamous coaches.
"Coach Mike and Rosie Lord's style of coaching is known county-wide: running, running, and running," Alex said.
The constant and highly demanding movement scares many players away.
"I didn't get burned out because of the seasons I spent on the sidelines with my injury," Riley said. "I planned on playing throughout high school, but being injured made me want to get out there even more."
"After my freshman year, I considered not playing again," Alex said. "The coaches were really hard on me, and it was super challenging."
Despite her initial desire to quit, Alex remained with the Lady Bulldogs.
"I'm so glad I stuck it out, and I feel so much stronger for it," Alex said.
Going up against the Lakeland-based George Jenkins High School on February 9, the Lady Bulldogs were focused.
"The game was tough and we had some injuries, but we knew exactly what we needed to do in order to win state," Alex said.
As regulation and overtime expired, the realization of going to penalty kicks hit the Lady Bulldogs.
"At the end of practice every day, we do penalty kicks," Riley said. "I knew we would be prepared, but everyone was really exhausted after playing a tough game."
Riley, along with four other Lady Bulldogs, was selected to take the penalty kicks during the game.
"I was surprised when I was chosen," Riley said.
But Alex had confidence in her friend and teammate.
"I knew Riley could make it since she always made penalty kicks in practice," Alex added. "Plus, she was more rested than those of us who played a majority of the 100 minutes."
As Riley's cleat contacted the ball, she and her team watched a familiar sight: the ball strategically flying past the keeper and straight into net.
"Taking the penalty kick was definitely something to be nervous about, but I was confident and knew I had done it in practice plenty of times," Riley said.
With George Jenkins' keeper just 14 years old, Riley had experience over her adversary.
"The keeper was young, but so good and will continue to improve," Riley said. "I know that George Jenkins' will be a good team for years to come."
Prior to lining up for the crucial penalty kicks, Alex was approached by Lady Bulldogs' keeper, Riley Grier.
"Riley [Grier] came up to me and said, 'I'm so pumped, I'm gonna save every shot,'" said Alex. "I believed her, and even though she saved just one, that's all we needed."
"Saving a penalty kick is something that shouldn't happen," Riley added. "By Grier saving that one, it set the tone for the rest of the penalty kicks; it made it a mental game."
Winning a state title was an honor for the Lady Bulldogs, but winning a state title on their home field was the icing on the cake.
"A lot of girls from the 1987 and 2009 state championship teams were at our game," Riley said. "Everyone was great, and it felt like we were a big family."
"I cried after the game," Alex said. "I wish I could find the words to describe the feeling of winning on our field, but I can't; it's that good."
With so many memories on the field, Riley felt like a win on their home turf was a perfect way to end the season and their high school careers.
"Going out as a champion is all we could ever ask for now," she said.
Following a successful season, the two champions are looking forward to their futures in college.
"Neither one of us plans on playing competitively in college," Alex said.
"While we may play on intramural teams, our focus is on school," Riley added.
Alex will be attending the University of Central Florida in Orlando in August.
"My goal is to go to medical school, so I'll be majoring in biomedical sciences," Alex said. "I'd like to go into dermatology or anesthesiology."
Like her teammate, Riley plans to study medicine.
"I'll be going to the University of Florida in June," Riley said. "I'm not too sure what concentration I'll go into, but I've always had an interest in dentistry and dermatology."
The two are also hoping to rush sororities at their respective schools.
"My mom and aunt were in the same sorority at University of Florida," Riley said. "I never thought sorority life would be a good fit for me, but after talking to some friends that are Greek, I'm going to rush."
For now, these wonderful young ladies are looking forward to advanced placement exams, the prom and, of course, graduation.
"I have a countdown on my phone," Riley said. "It's so hard to believe graduation is so close."
"Yeah, but to go out as champions freshman and senior year made high school perfect," Alex added. "I can't think of a better way to end my senior year."
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