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Job Seekers
Community Development Investments (February 2012)
U.S. Interagency Council on Homelessness: How Banks Are Helping to Build Homes for the Homeless
Barbara Poppe, Executive Director, U.S. Interagency Council on Homelessness (USICH)
USICHBarbara Poppe, Executive Director of the U.S. Interagency Council on Homelessness, talks with Landau Murphy, a resident of The Commons at Buckingham—a permanent supportive housing project in Columbus, Ohio—about his experience with homelessness.
On any single night in our nation, nearly 650,000 individuals are without safe and stable housing. Thirty years ago, homelessness was predominantly experienced by single adults. Homelessness among children did not exist in the same way it does today. In 2010, more than 76,000 of America's veterans experienced homelessness on a single night. People experience homelessness for a variety of reasons. Their stories are different, but their need for stable homes is the same.
Communities across the nation have made remarkable progress in reducing chronic homelessness by more than one-third in the past six years, partially as a result of the expansion of permanent supportive housing (PSH) programs. This type of rental housing is designed to be affordable and offers services for the specific needs of an individual or family who has a long-term disability and is experiencing homelessness. Banks and community partners have collaborated and played a pivotal role in developing and financing this type of housing in an effort to end chronic homelessness.
The U.S. Interagency Council on Homelessness (USICH) coordinates the federal response to homelessness through partnerships at every level of government and with the private sector. USICH is an independent agency within the federal executive branch. The agency consists of 19 federal Cabinet secretaries and agency heads. USICH partners with federal agencies, state and local governments, advocates, service providers, and individuals experiencing homelessness to carry out its mission of preventing and ending homelessness in America.
In June 2010, USICH and its member agencies launched their plan in the report "Opening Doors: Federal Strategic Plan to Prevent and End Homelessness." The plan serves as a road map for joint action by the federal government and its partners at the state and local levels. The plan has four goals:
In the United States, chronic homelessness annually affects nearly 110,000 adults and families. Someone is chronically homeless if he or she is disabled and has no home continuously for a year or more, or has been homeless more than four times in the past three years. Six out of 10 chronically homeless adults live on the streets. Most suffer from acute and debilitating health problems that are exacerbated for those who experience homelessness. One-third of chronically homeless adults are military veterans. These statistics and others are available in the U.S. Department of Housing and Urban Development's 2010 Annual Homeless Assessment Report to Congress.
Chronic homelessness incurs high costs for communities because individuals experiencing homelessness are frequent users of community services. Consequently, chronic homelessness can be a major strain on local community budgets. The biggest costs to communities are health care expenses, because of frequent and avoidable inpatient hospitalizations, and visits to emergency rooms, detoxification centers, and nursing homes. Other high costs are associated with the criminal justice system.
Rents on PSH units are subsidized to ensure affordability for tenants who typically have incomes ranging from zero to 15 percent of the area median income. Supportive housing is delivered through three primary ways: (1) pairing rental subsidies with dedicated services; (2) building new or rehabilitated units at one site that offers rental subsidies and on-site services; and (3) setting aside units within an affordable housing community that offer rental subsidies and on-site supportive services.
"Opening Doors" cites supportive housing as most cost-effective when targeted for those with the greatest needs, such as mental illness, chemical dependency, or HIV/AIDS, or those with multiple conditions, because these individuals impose high costs on communities and governments.
The most effective type of supportive housing uses the Housing First approach, which seeks to screen in rather than screen out individuals with substance abuse and mental illness. Often, people with these conditions are not eligible to receive housing assistance from other programs, many of which require clients to be free of drugs and alcohol. Housing First seeks to move these hard-to-house individuals into permanent housing quickly and then to provide them with the support services they need to achieve and maintain housing stability. As "Opening Doors" highlights, the research is clear that PSH using a Housing First approach is the best solution for individuals experiencing chronic homelessness—and it is the most cost-effective solution for states and communities. Compared with repeated use of emergency services and jails, there is no question that PSH is the better option.
Figure 1: Public Cost of Services for Homeless Individuals (2004-2009)
As figure 2 shows, after an individual experiencing homelessness moved into a PSH unit, the annual taxpayer-funded services for the individual declined sharply in Oregon, Massachusetts, and Maine. In Oregon, for example, the cost of services for an individual experiencing homelessness fell from $42,000 a year to $17,000 a year after the individual moved into PSH.
Figure 2: Cost of Serving the Homeless Declines in Permanent Supportive Housing (2005-2008)
The most common model for developing PSH relies on low-income housing tax credits (LIHTC). The LIHTC program began as part of the Tax Reform Act of 1986 and has become the largest affordable housing program in U.S. history. The program allows nonprofit and for-profit developers to apply to state housing finance agencies for tax credits. The tax credits are available on a competitive basis for use in the development of various types of affordable housing, such as senior housing, family housing, and PSH for individuals and families experiencing homelessness.
Banks and other financial institutions are active investors in the tax credit market, which is critical to the development of PSH projects. They represent about 60 percent of the tax credit investment market and annually invest more than $5 billion nationwide. Banks and insurance companies purchase the tax credits to offset corporate tax liabilities in exchange for equity or cash, which is then used for the construction or rehabilitation of affordable housing and PSH projects.
Typically, LIHTC equity accounts for as much as 65 percent of a project's cost and the LIHTC equity attracts capital grants from the Federal Home Loan Bank, foundations, and other public and private sources of capital. In many cases, these investments can cover 100 percent of the capital cost of a PSH project, eliminating the need for a first mortgage.
Even when capital costs for a project are covered, a PSH developer needs operating capital. Developers, however, cannot count on rents from individuals experiencing homelessness, who have little or no income. Therefore, PSH projects rely on housing subsidies available through the U.S. Department of Housing and Urban Development (HUD). The HUD housing vouchers, sometimes called Section 8 vouchers, are available through the Housing Choice Voucher Program. Other HUD rent subsidies may come from the Shelter Plus Care, Supportive Housing, and HOME programs. These programs provide the operating subsidies PSH developers need to help sustain these projects.
Additional sources of funding help to cover the cost of the support services the PSH project offers. Banks help cover these costs with charitable gifts to nonprofit sponsors that provide these support services. These gifts have supported recreational, peer, and community activities, and have enhanced the quality of life for supportive housing tenants and their neighbors.
In addition, bankers make nonmonetary contributions to PSH projects. They serve in executive and senior leadership positions and as volunteers on boards of nonprofit supportive housing developers. Bankers also participate on local leadership councils, such as 10-year planning bodies, interagency funding groups, and Continuum of Care coordinating committees. Bankers interested in learning more about or serving on Continuum of Care committees, as well as other efforts underway to help end homelessness, can visit the Homelessness Resource Exchange.
Thanks to support from banks, the national effort to end chronic homelessness has made significant gains with targeted investments in PSH units across the nation. While this is positive news, more PSH units are needed in coming years if the nation is to meet the goals of ending chronic homelessness by 2015 and preventing and ending homelessness for families, youth, and children by 2020.
Clearly, PSH is the right thing to do for those who experience, or are at risk of experiencing, chronic homelessness. PSH also is a smart investment for banks, which benefit from PSH investments in several ways. First, they receive income from tax-advantaged investments. They generate goodwill by helping to create jobs through the construction and maintenance of PSH projects. Finally, banks may receive positive recognition from banking regulators and community members.
Ultimately, the biggest beneficiaries of bank investments in PSH are those who are able to leave our nation's streets for the comfort of a stable home. Continued collaboration by private and public benefactors is needed in the years ahead to finish the job of housing our nation's most vulnerable by 2015.
For more information, visit http://usich.gov; call Jason Kravitz, USICH's Director of Communications and Congressional Relations, at (202) 708-4663; or e-mail firstname.lastname@example.com.


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What are you looking for?
'A great shopping experience starts with a powerful site search and flexible site navigation'
We've got a brand new search system for our site to make your shopping experience with Dolphin Music a little easier. Our new on-site search is faster and easier than ever before, and if we don't have the product you're looking for, it'll suggest some very similar alternatives! We also realise that some of our equipment may have tricky names that you may not remember the entirety of - our search will assist you by instantly trying to match what you're looking for.
Our new search system is the next step we're making to improve your shopping experience. In July, we presented you with a newly-designed website bringing improved product descriptions, images and the latest news and special offers. You can now also see information about your favourite brands, and what artists love their gear to help you match your taste to the products you'll most probably like to use!
Take a look around the site to see what's new - and get searching!
You can get in touch with us by phone 0844 088 815 for any order or product queries - for any comments or questions you can email us on email@example.com or find us on Twitter or Facebook for special offers, news and new releases!

subset: commoncrawl


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Great North Property Management
New England's Largest Condominium Management Firm is...
Established for today, equipped for tomorrow!
Great North Property Management is an Accredited Management Organization (AMO) through the Institute of Real Estate Management (IREM), an affiliate of the National Association of REALTORS. The AMO accreditation is awarded to real estate firms that have a track record of high performance, experience, stability and financial accountability and have a CERTIFIED PROPERTY MANAGER (CPM) directing and supervising the real estate management team. In addition, AMO firms must abide by a rigorous Code of Professional Ethics that is strictly enforced by the Institute. Great North Property Management is one of only 550 elite firms worldwide to hold this prestigious accreditation.
Great North was formed in 1990 and is New England's condominium management firm with more than 350 associations under management containing over 23,000 units. Headquartered in Exeter, NH, Great North operates regional offices in Merrimack, Bethlehem and Lincoln, New Hampshire, as well as offices in Peabody, Boston, Worcester and Foxboro, Massachusetts and a new location in Warwick, Rhode Island.
We employ and engage top talent in our industry to oversee your community's needs. We encourage active collaboration among our managers in order to provide a wealth of service and "best practices" that are custom-tailored to your community and association.
At Great North, we're constantly looking to increase the value of our client communities. We continually monitor our service and your demands in order to provide proactive, not reactive, service. That's why so many people trust us with the satisfaction of their association residents.
Association Management
- Productive board and annual meetings
- Comprehensive walk-through inspections
- Daily on-site management of single-family neighborhoods, townhomes, condominiums, lofts, master planned communities, planned unit developments, subdivisions, commercial buildings and more
- Maintenance of records of all contracts, warranties and other items important to the verification of services performed on the property
- Each community is assigned its own operational team including a community manager, accounting staff member, client service representative, and secondary personnel to help when needed
- Complete and process resale certificates and provide assistance to owners and real estate agents working to sell homes within the Association
- Provide Annual Meeting assistance, including facilities arrangement, proper mailing of meeting notice and announcements, and help in securing a quorum
- Coordinate meeting agenda compilation and distribution
- Review property conditions and enforce governing documents
- Negotiate and solicit service contracts
- Hire and supervise on-site personnel and subcontractors
- Respond promptly to all requests for service or assistance
- Maintain 24-hour emergency service, 365 days a year
- Provide professional recommendations to the Board
- Assist the Board in the resolution of unit owner disputes
Financial Management
- Provide personalized financial service for your community
- Present comprehensive financial reports formatted as you desire, including balance sheets, income statements, general ledgers, accounts payable, check disbursements, and income and expense budgeting
- Reconcile all accounts, including checking, savings, money market, etc.
- Prepare and release checks
- Monitor investment funds
- Process accounts payable
- Bill all assessments and track accounts receivable
- Perform accelerated collection services where authorized
- Send delinquency notices and violation letters
- Oversee escrow demands
- Manage electronic funds via secured computers
Property Maintenance
- Create and implement a preventive maintenance program
- Schedule and perform maintenance inspections
- Oversee on-site custodial personnel, landscaping services and common areas
Resident Programs
- Community Association Information portal to keep residents informed of current news, events, and account maintenance, maintenance request tracking and more
- Discounts in waste disposal, electricity, and a variety of other homeowner savings programs exclusive to our firm through our INNOVIA COOPERATIVE membership (no cost to associations)
- Office (10,000 - 100,000 sqft)
- Office (100,000+ sqft)
- Homeowners Association (50-99 units)
- Condominium Association (50-99 units)
- Homeowners Association (100+ units)
- Condominium Association (100+ units)


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Apostle Hermes of the Seventy, and those with him
Saint Hermes was one of the Seventy Apostles chosen by Christ and sent out by Him to preach (Synaxis of the Seventy Apostles: January 4).
St Hermes was bishop in Dalmatia (there is another Apostle of the Seventy by the name of Hermas, who was bishop in the Thracian city of Philippopolis).
All these disciples for their intrepid service to Christ underwent fierce sufferings and were found worthy of a martyr's crown.


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When most Walker Elementary school students headed home after school on Wednesday afternoon, 41 kids stayed on campus to learn more about mechanics.
CRESTVIEW � When most Walker Elementary school students headed home after school on Wednesday afternoon, 41 kids stayed on campus to learn more about mechanics.
Teacher Michelle Williams gave a brief lesson on how to operate a kitchen mixer. The lesson showed students how gears work together with the motor for it to function.
Then, students paired into small groups of eight. Each group had a Lego set with an instruction booklet that showed students how assemble a mixer.
Upon hearing Williams� instructions, the students got right to work. The first group to finish a Lego mixer included fifth-graders Joseph Martin, Giovanni Morales and Jacob Sullivan. After completion, the boys aided other groups.
Each group received permission to play with the Lego sets after it completed a task. As a reward, teachers passed out miniature Lego men for the kids to play with.
Bricks 4 Kidz is a fee-based, after-school program with meetings every Wednesday afternoon at the school. Parents pay $10 per session for their kids to attend.
"We have only been doing this program for about a month," said Williams, whose kindergartner and third-grader also participate. "It allows the students to expand their learning in the classroom."
The company offers many options for educating children with Lego building blocks. The goal is to help students develop teamwork skills and introduce them to engineering and architectural concepts, according to the company�s website.
Principal Jeanine Kirkland wants to use these concepts toward the school�s science, technology, engineering and mathematics areas of study, commonly known as STEM. The education initiative encourages local schools to focus on these subjects to better prepare students for a related career.
Kirkland said she hopes the Bricks 4 Kidz program will lead to bigger things.
"We want to use this program as a stepping-stone towards a robotics program in our school," Kirkland said.
VIDEO: See "Related Media" at left of this article.


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Morgridge Family Foundation Gives $8 Million Gift
Toward New Science Engagement Center
DENVER-February 1, 2010-The Denver Museum of Nature &
Science has received the largest donation in its 109-year history,
an $8 million gift from the Morgridge Family Foundation for the
construction of a new Science Engagement Center on the south side
of the Museum building.
The 40,000-square-foot, three-story Science Engagement Center
will feature two floors of innovative, high-tech science activity
facilities designed for preschool through 8th grade school
children, as well as their teachers, parents, and other caregivers.
The Center will provide a dynamic, hands-on learning environment
and deliver programs that will have a profound impact on children's
understanding of science. It will use emerging technology to teach
skills and concepts, and to create a highly personalized,
inquiry-driven experience for visitors.
One specific area in the new Science Engagement Center will be a
science-based early childhood learning center. It will offer
activities that teach young children the foundational skills needed
for science learning. This area will replace the Discovery Zone,
the Museum's current activity area for early learners.
In addition to the various science activity spaces, the Science
Engagement Center will contain a large, new exhibition gallery on
the third floor. The new gallery will provide the Museum with more
space for hosting large-scale temporary exhibitions, and it will
give the Museum the flexibility to host more temporary exhibitions
each year.
"We want to change the way people think about science education
here at the Museum," said George Sparks, the Museum's president and
CEO. "Our goal is to complement what children learn at school by
offering the types of memorable experiences they can only have at
our great Museum. We want to give these kids the inspiration they
need to become lifelong fans of science and learning, and we are
grateful to the Morgridge Family Foundation for making a
significant contribution to the fulfillment of this vision."
The Science Engagement Center is one part of a larger facility,
which will also include the Rocky Mountain Science Collections
Center, a 60,000-square-foot underground storage area for the 1.4
million objects in the Museum's collections. Concept development
for the entire facility is currently underway. Groundbreaking is
scheduled for late next year.
The facility will be funded through a combination of private
fundraising and City of Denver funds secured through the Better
Denver bonds. In 2007, Denver voters approved $30 million in bond
funding for the project. The ballot issue called for the Museum to
raise $23 million in private donations to match the bonds. With the
$8 million gift from the Morgridge Family Foundation, plus
additional fundraising completed to date, the Museum has raised $15
million toward the $23 million match, or approximately 65 percent
of the matching funds required by the Better Denver program.
"This is an amazing gift. We applaud the Morgridge Family
Foundation for providing quality educational opportunities for the
youth in our community," said Denver Mayor John Hickenlooper. "The
foundation's generous contribution, together with funds approved by
voters in 2007 for the Better Denver bond program, will go a long
way in boosting an already thriving cultural community in the
Denver area."
The Morgridge Family Foundation
The Morgridge Family Foundation has given generously to
education programs in Colorado, particularly for programs that
create 21stcentury classrooms that rely on technology to teach
today's digital-native children. To date, the Morgridge Family
Foundation has awarded $4.4 million in grants to provide 1,100
teachers with a 21st century classroom.
Carrie Morgridge, the foundation's vice president, joined the
Museum's Board of Trustees this year. Her philanthropic
endeavors are guided by her interest in 21stcentury learning,
science, technology, engineering and math (STEM) education, and
outreach to Colorado's neediest children. Morgridge also sits on
the Board of Trustees at the University of Denver, and she has
served in the past on the Board of Advisors at the Denver School of
Science and Technology, on the Board of Trustees at the Aspen
Valley Community Foundation, and on the Board of Directors at the
Denver Public Schools Foundation.
The Museum's Science Engagement Center project presented an
exciting new opportunity for the Morgridge Family Foundation to
further its mission to make innovative science education accessible
to all.
"Partnering with the Denver Museum of Nature & Science is
one of the best investments our foundation can make in science and
education," said Morgridge. "We are very concerned that the quality
of science, technology, engineering and math education might be
diluted if standards are not maintained at a very high level.
We need tools, partners, experts, master teachers and creative,
critical thinkers to educate the next generation so we will have a
competitive workforce. The Museum can play an important role in
developing the scientists of tomorrow."
The Museum's Vision for the Future-Museum
The facility containing the Science Engagement Center and the
Rocky Mountain Science Collections Center is the next project in
the Museum's ambitious Museum 20/20 Strategic Plan. The Museum
completed the first two projects in the Museum 20/20 plan in 2009.
Expedition Health, the all new permanent health science
exhibition, debuted to rave reviews in April 2009. The Museum
successfully raised more than $10 million for the project, and
opened the new exhibition on time and on budget. In September 2009,
the Museum completed a total renovation of the Phipps Special
Exhibits Gallery, where the Museum's temporary exhibitions are
staged. This project was completed on time and under budget. Future
Museum 20/20 projects include two new permanent exhibitions about
earth science and anthropology.
About the Denver Museum of Nature &
The Denver Museum of Nature & Science is the Rocky Mountain
Region's leading resource for informal science education. A variety
of engaging exhibits, discussions and activities help Museum
visitors celebrate and understand the natural wonders of Colorado,
Earth and the universe. The Museum is located at 2001 Colorado
Blvd., Denver, CO, 80205. To learn more about the
Museum call 303-370-6000.
About The Morgridge Family Foundation
The Morgridge Family Foundation is a private foundation whose
vision is to become leaders in venture philanthropy so that the
neediest of the needy will have greater opportunities to receive
quality education. The foundation also supports several early
childhood literacy and health initiatives.
About Better Denver
The Denver Museum of Nature & Science Education and
Collections Facility Project is part of the City and County of
Denver's $550 million dollar Better Denver Bond Program passed by
voters in 2007. Better Denver grew from the vision and stewardship
of Mayor John Hickenlooper, civic leaders, staff, and citizens who
challenged the Denver community to imagine a city with enhanced
infrastructure and facilities to add to our quality of life.
Bond funding is enabling the renovation and construction of roads,
libraries, parks, hospitals, public safety facilities, cultural
amenities, and other city facilities. The improvements are
being implemented over five years through 2012, with most scheduled
for completion by 2011. The City is accelerating as many of
the projects as possible in order to stimulate the local economy
and help to preserve and create jobs. More than 280 projects
are included. As of January 2010, 83% of all projects are either
complete (104); in design (79); or under construction (56), which
represents an injection of approximately $126 million into the
local economy. For more information on Better Denver, please visit
www.Denvergov.org and click
on Better Denver.
Many of the Museum's educational programs and exhibits are
made possible in part by generous funding from the citizens of the
seven-county metro area through the Scientific & Cultural
Facilities District.


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Did you read today's front page stories & breaking news?
From the Wires
Media Advisory: Canadian Pacific Holiday Train is coming to a town near you
By: PR Newswire
Dec. 5, 2012 02:01 PM
CALGARY, Dec. 5, 2012 /CNW/ -
Scheduled stops for:
Friday, December 7, 2012
**Times indicate show times - train arrives 10-15 minutes before, please come early **
For additional information on the musicians and 2012 schedules visit: www.cpr.ca. Supporters can also join the Holiday Train on Facebook and follow on Twitter @CPHolidaytrain.
Editor's Notes:
SOURCE Canadian Pacific
SOA World Latest Stories
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Unbelievable Florida: Pastor Going On With His Mission To Burn The Koran On 9/11!
"Meet the Florida Pastor who plans to commemorate 9/11 by burning the Koran." - ABC
Please click the "Report" button below if the video on this page is not working properly.
Comments will only be displayed by verified emails. No Spamming or Racism.


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Doggone It: 8 Prints & Posters Featuring Dogs
Happiness may be a warm puppy, but as these prints show, even a dog in print is cause for joy. And while dogs in art are nothing new, each of these pieces features man's best friend while also being attractive and modern — often a hard thing to find where dogs and art are concerned.
After all, there's a lot of cheesy breed-specific dog art out there, as well as the infamous poker-playing dogs of C.M. Coolidge. Luckily for those of of us who love dogs and need art, a little digging can turn up nice, reasonably-priced photographs, letterpress, and prints for our homes.
1. Dogs brave a snow-filled Prospect Park in this gorgeous photo by Joseph O. Holmes. Nethermead print, $50-$100 at 20x200.
2. A classic photograph from the Burns Archive of a geisha and her playful dog. $270-$420 at Lumas.
3. Dolman Geiman's pastel-hued Dog Show print. $25 at The Inglenook Decor.
4. An exuberant welcome is captured on a print by Mareike Auer. $20 at Little Paper Planes.
5. A dog runs against the edge of the woods in this graphic, striking print. $15 at thedor's Etsy Shop.
6. The dog really isn't the focus of this Rifle Paper Co print, but he sure does look cute in his wagon. Monsters in the Bushes print, $20 at Rifle Paper Co.
7. An elegant, neutral-toned letterpress print of a woman with her dogs. $15 at Pistachio Press's Etsy Store.
8. A vintage WPA poster starring a confident, sprightly terrier. $25-$230 at Print Collection.


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themodernfirm necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 128 diseños de 38 diseñadores freelance.
Please note, firm name is "Running Law Firm, P.C." not "Running Law P.C."
Looking to have a new logo for a law firm that helps individuals who are in financial trouble and will likely need to file for bankruptcy. Should convey professionalism, hope, guidance and experience.
Logo will be used on new website and print materials including black/white copies and fax coversheets.
Running Law Firm, P.C.
Our client, Running Law Firm, P.C. is a Minnesota, USA based law firm that helps individuals who are in financial trouble and likely need to file for bankruptcy. The firm offers personalized attention and is often recommended to clients with complex needs.
- Available in a vector format (AI or EPS) with fonts
- Open to color suggestions
- Want to convey stability, solutions, hope, direction, help, guidance, navigation.
- Would like the logo to have a unique shape that goes with the firm name
- Possible shape ideas: compass, pathway, directional arrow, bridge, lighthouse (don't limit yourself to just those ideas would like to see your ideas)
- Clean, stylish, modern, bold, contemporary
- Must print well in black and white
- Old fashioned or tired looking graphics
- "Running" is the last name of the firm's owner, don't use runners or other running imagery
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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STANFORD, Calif. — Geno Auriemma insists long winning streaks do little to get him amped up, even after he traveled his Connecticut team across the country to face top-ranked Stanford and its daunting 82-game unbeaten run at Maples Pavilion.
STANFORD, Calif. — Geno Auriemma insists long winning streaks do little to get him amped up, even after he traveled his Connecticut team across the country to face top-ranked Stanford and its daunting 82-game unbeaten run at Maples Pavilion.
The Huskies sure got a thrill from leaving with an unexpected rout and silencing a typically raucous crowd — and likely stealing away the No. 1 spot in the polls along with it.
Kaleena Mosqueda-Lewis and second-ranked UConn played spoiler and streak-buster this time, snapping Stanford's nation-leading home winning streak with a surprisingly easy 61-35 victory Saturday.
Chiney Ogwumike had 18 points and 13 rebounds but struggled in the post as Stanford lost at home for the first time since March 2007.
Minisink Valley graduate Stefanie Dolson had 10 points and 14 rebounds and flustered Ogwumike all afternoon, and Bria Hartley and Kelly Faris also scored 10 apiece for UConn.
Ogwumike, Stanford's leading scorer and rebounder averaging 21.8 points and 12.8 boards, was held to 6-for-22 shooting.
"I don't think I've experienced anything like this," Ogwumike said. "That Connecticut team we played for 40 minutes is the standard. And the great thing is now we've experienced the standard."
UConn's 6-foot-5 Dolson made things tough all day for Ogwumike — who stands 6-4 — and gave her problems with a size advantage to deny Stanford's top player and keep her away from the basket. That led to some forced shots in the first half, when Ogwumike missed 8 of her first 9 attempts. She scored at the 7:25 mark of the first half to end a nearly 6-minute scoring drought since her previous basket on a putback at 13:19.
Stanford then went 4:58 without scoring before Ogwumike's three-point play 2:27 before halftime.
"Stefanie was going to guard Chiney until she proved that she couldn't," Auriemma said.
Dolson was whistled for her third foul with 17:42 left in the game, but Mikaela Ruef missed both free throws.
Walking off the court after this one "was complete opposite," Dolson said.
"Two years ago we lost and it ended our streak. It was just a horrible loss," she recalled.
It was the Huskies who saw the end of their NCAA record 90-game winning streak at Maples Pavilion with a 71-59 loss two years ago, almost to the day on Dec. 30.
"The last time we were here it was a big event for them and they treated it like it was a big event, and God bless them," Auriemma said. "But for us to win a game here in late December, it's no more than just a big game against a really good team. The other stuff, I didn't get all that excited about us winning 90, I'm not going to get that excited about us beating somebody who's won 82 in a row at home."
Mosqueda-Lewis scored 19 points as UConn (11-0) thoroughly outplayed Stanford (11-1) on both ends of the floor in this highly touted game featuring the country's top programs and Final Four regulars from opposite coasts.


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Mammography: A Question of Safety
By Deborah Pate, DC, DACBR
It is estimated that for one woman to avoid dying from breast cancer, up to 1000 women will have at least one "false alarm," which half of whom will undergo biopsy and breast cancer will be over diagnosed in 5 to 15 women, who will be treated needlessly with surgery, radiation, chemotherapy, or a combination. -- H. Gilbert Welch, MD, MPH, in "Screening Mammography - A Long Run for a Short Slide?" NEJM, Sept. 23, 2010.
Many women would say it's worth it for the one woman and that they are willing to tolerate the risk of undergoing biopsy and/or treatment to save the life of another. But do we have all the facts? Simply put, no. We have been debating the relative merits of screening mammography for over a decade despite the wealth of data that suggests the test is a close call in terms of the benefits (which are modest) and the harm, which is rarely discussed. All women hear is that mammography saves lives, period.
No screening test is 100 percent accurate; that's why it's called a "screening" test. Most people would agreed that if a screening test requires surgery to determine whether a positive test is truly positive, one would first want to know more about the statistical accuracy of the test before even agreeing to it. The other question would be, is this test safe? What is the probability of the test itself causing some harm? The possibility of harm in mammography is rarely discussed. Let's explore some of the known harmful effects of mammography:
Radiation Exposure
Mammography itself is radiation; as with most carcinogens, there is a latency period or delay between the time of irradiation and the potential occurrence of breast cancer. This delay can vary up to decades for different people. Response to radiation is especially dramatic in children; women who, as children, received breast and chest X-rays have shown increased rates of breast cancer as adults.
The usual dose of radiation during a mammographic X-ray is from 0.25 to 1 rad with the very best equipment; that's 1-4 rads per screening mammogram (two views each of two breasts). If a woman has annual mammograms from age 55 to age 75, she will receive a minimum of 20 rads of radiation. For comparison, women who survived the atomic bomb blasts in Hiroshima and Nagasaki absorbed 35 rads. Though one large dose of radiation can be more harmful than many small doses, it is important to remember that damage from radiation is cumulative.
How much radiation have you received over your lifetime? Do you have any idea? Determine your cumulative exposure by visiting the American Nuclear Society Web page and reviewing the radiation dose chart (www.new.ans.org/pi/resources/dosechart/).
High-Risk Groups
Screening mammography may be detrimental for women at high risk for developing breast cancer. According to new research presented last year at the Radiological Society of North America (RSNA) conference, the low doses of radiation associated with annual screening mammography could be placing high-risk women in even more jeopardy of developing breast cancer, particularly if they start screening at a young age or have frequent exposure.
In a meta-analysis of six studies, it was found that women with BRCA1 orBRCA2 gene mutations, or a family history of breast cancer, who were exposed to radiation, either from mammography or chest X-rays, before the age of 20 had a risk for breast cancer that was 2.5 times higher than their counterparts who were not exposed to radiation. In this analysis, in which 8,500 high-risk women were examined, five or more mammograms increased risk twofold.
Marijke C. Jansen-van der Weide, PhD, from the University Medical Center Groningen in the Netherlands, reported these findings, stating that exposure to low-dose radiation increased breast cancer risk by 1.5 times as compared with no exposure. The mean age of the women in the analysis was 45 years. The cumulative dose of radiation they received ranged from 0.3 to 24 mSv.
Errors in Diagnosis
Errors in diagnosis lead to unnecessary treatment. The cumulative risk for false-positive mammography results has been reported as 21 percent to 49 percent after 10 mammography examinations for women in general and up to 56 percent for women ages 40 to 49 years. Diagnosing the earliest stage of breast cancer is difficult, prone to both outright error and case-by-case disagreement over whether a cluster of cells is benign or malignant.
Because of the technological advances in mammography, the increased diagnosis of DCIS (ductal carcinoma in situ) is astounding. In 1983, there were 4,900 U.S. cases of DCIS. By 2008, that number had increased to 67,770 (Nelson Report, 2009). It is estimated that by 2020, more than 1 million U.S. women will be living with DCIS.
According to BreastCancer.org, DCIS is not generally malignant but is routinely treated aggressively. Many experts believe that the overtreatment of DCIS has increased the number of "breast cancer survivors" and improved the cure rate from the disease because we are now "curing" a condition that may have never progressed into a malignancy. Presently, there is no consensus on how DCIS should be treated and specific pathological categories have to be completely worked out.
False-Positive Screens
Women ages 40-49 have higher risk of false-positive screens, according to a 2007 review for the American College of Physicians that focused on screening mammography in women 40-49 years of age. It included publications from the original mammography trials as well as 117 other studies. The reviewers found that the studies have estimated a 7-23 percent relative risk reduction in breast cancer mortality rates with screening mammography in women in this age group. They also found rates of false-positive results as high as 20-56 percent after 10 mammograms, leading to increases in unnecessary procedures and breast cancer-related anxiety.
These reviewers concluded that the evidence suggests that more women in the 40-49 age range have risks that outweigh the benefits of screening mammography. Subsequently, the American College of Physicians issued detailed guidelines for screening mammography among younger women that encourage doctors to carefully assess an individual woman's risks for breast cancer, and to discuss with them the potential benefits and harms of screening mammography in order to make informed individual decisions about screening.
Presently for 50-year-old women, the 10-year risk of developing breast cancer is about four per 1,000 women in the United States. If we assume that mammography screening is associated with a 10 percent reduction in the rate of death from breast cancer, the risk estimate without mammography would be about 4.4 per 1,000 women. In other words, 2,500 women need to be screened over a 10-year period for one to avoid death from breast cancer. What happens to the other 2,499 women who underwent screening to achieve this benefit is also relevant. Estimates of harm vary considerably.
The Power of Information
I am not against mammography. I would not claim to be an expert in mammography, but the data clearly demonstrate that mammography is not always beneficial and that adverse outcomes are higher in some premenopausal women. Even when the federal government amends the guidelines as a result of exhaustive research and new data, controversy remains. I am simply recommending that all women should be made aware of the present guidelines so they can make an informed decision.
Click here for more information about Deborah Pate, DC, DACBR.


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That could impede tobacco company efforts to promote e-cigs through sporting events and TV marketing campaigns. If the Food and Drug Administration (FDA) does decide to add e-cigs to its oversight, producers would have to comply with a greater range of regulations regarding their sale, manufacturing and promotion, Bloomberg notes.
Sales of e-cigs have rise three-fold this year, hitting $1.5 billion. The devices, which use a battery-powered coil to heat liquid nicotine, producing a vapor that "smokers" inhale, do not produce smoke and have been touted as safer than traditional cigarettes. With most cigarette-makers either already marketing or currently testing e-cig products, the market for e-cigs is expected to expand dramatically in coming years.
That has drawn concerns for anti-tobacco advocates and state agencies, who question the benefits of e-cigs and have called for greater regulation.
Tobacco producers are currently preparing to post their quarterly results. Philip Morris International (PM), Reynolds American (RAI), Lorillard (LO) and Altria Group (MO) are all expected to report higher profits during the most recent quarter.


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Across the Style Spectrum with the MDB Family
The MDB family includes sibling brands Babyletto, Nurseryworks, DaVinci, Franklin & Ben and they are now the U.S. distributor for Aussie company Ubabub. I'm always assured a range of styles in their booth from classic/traditional to ultra modern.
One thing you can always count on is how well styled the MDB booth is with careful attention paid to props and backdrops that create a story around the furniture.
Some of the highlights this year were the new District crib which converts to a desk, the darling Cumulus stool (seen throughout the booth in custom fabrics), the new Loom changer (to match the Loom crib), the new and elegant Ivy crib with tapered legs and memorably tall posts, and the Harlow crib with one clear, acrylic panel.
I loved seeing an old favorite like the Sleepytime rocker in a gorgeous custom fabric (I almost didn't recognize it) as well as custom fabric on the Madison swivel glider and the Cumulus stools.
Ubabub, which debuted at the 2011 show with their eye-catching cribs, is now being distributed in the U.S. by MDB giving easier North American customers access to these style setting cribs.
More info: MDB (Million Dollar Baby)
• Nurseryworks
• Babyletto
• Franklin & Ben
• DaVinci Baby
• Ubabub
(Images: Carrie McBride)


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My Favorite Flirts is a feature that lets you reach your favorite Flirts easily from My Account or on 1-800-TO-FLIRT.Manage My Favorites
(3 Reviews)
I am a dominating wife ... I have to be ... let me tell you my story ....
I have been married for 15 years. I met my husband at church of all places. (That is probably why I never attend church now.) I was not a virgin when I was married, but we abstained from sex because "he" wanted to save himself for our wedding night. Well, thought that was pretty cool so I agreed ... like a fool.
On our honeymoon night, when he dropped his pants ... I was in total shock at the size of his penis. His tongue was longer than his pudgy disgusting cock, it looked more like a clit than it did a cock. I was so entirely disappointed, I immediately got dressed and went down to the lounge. I was pissed. Here I had been a "good girl", waited till we were married to have sex. Just the way the church was saying it should be done. But what do I get, I get a man with a dick smaller than my cigarettes. Hell no, I am not going to accept that. Almost a year with no sex, and now I was suppose to accept this cock. Oh hell NO!
Now, when I went to the lounge I can not say "I was looking for a cock". But I can say I was pissed and disappointed. I started drinking, lots of drinking. Then I met a sexy ass black man, he started flirting and I started thinking. I was thinking about how good it feels to be fucked, and how I haven't a dick inside me in so long. I leaned down and felt the "package" ... ha, ha ... just to make sure. Anyway, I told him my situation and invited him up to our room. He was more than willing to oblige me.
When I showed up to our honeymoon suite with this huge cock of a black man ... my husband was shocked of course. But I immediately took charge. I told him that I needed to be pleased by a REAL man with a REAL dick. Now, I can say that my husband did not stick around that night. He stormed out. I fucked the black cock and thought well that is that, the marriage will dissolved But that is not what happen, the next morning, my husband showed up at the hotel. He had spent the night walking around and thinking. We talked about my needs, and he accept my rules. Of course, while we were dating I had always been a little on the demanding side and I had noticed that he enjoyed it. So I guess for both of us it was just a way of taking it to the next level.
My husband follows EVERY order that I give him ... no matter what it is. Yes, I am a cheating wife, and YES, I AM IN CONTROL.
Call me and let me share my experiences with you.
Read My Blog
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One More Way to Camouflage the TV
My living room is bite-sized but the wall behind the TV felt like a large blank and barren land. The wall needed a whole lotta TLC but I kept coming up empty on how to fix it. To start, I looked at Our Best Hide-The-TV-In-Plain-Sight Tricks and New Ways to Hide the Television — but I wanted a solution that didn't involve spending more money.
Because the living room is super small, the large TV sticks out like a sore thumb and it's the first thing you notice when you walk in the space. After much hemming and hawing over what to do, I finally went with an almost no cost solution. I was able to use the leftover chalkboard paint from a kitchen project and had just enough for the two coats. Thankfully, the measuring, taping and painting took only an hour and then I was off to Paper Source in Pasadena for some decorative paper. I happened to have two matching frames but wanted to change out the artwork in favor of something more modern. It's actually a sheet of gift wrap from Paper Source that was on sale for $1.50. Now the room looks pulled together and the TV isn't the first thing you notice.
EDITOR UPDATE: A very similar but different idea was posted earlier today! Disguise the TV on a Black Wall.
Images: Beth Zeigler


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UNIVERSAL CITY, Calif. - UK videogame publisher Codemasters is jumping into the race as DiRT 2 climbs behind the wheel as an associate sponsor of the Subaru Rally Team USA for the 2009 season. DiRT 2 will sponsor seven races for Ken Block, Travis Pastrana and Dave Mirra from July through October, including the Los Angeles X Games July 30 – August 2.
As an official sponsor, DiRT 2 will be supporting 2006-2008 Rally Champion Travis Pastrana, 2005 Rookie of the Year and DC Shoes founder Ken Block, as well as 2008 Rookie of the Year and freestyle BMX legend Dave Mirra.
Taking players on an exhilarating World Tour, DiRT 2 will deliver more than 100 stunning events, including aggressive, multi-vehicle races and intense solo challenges, set in the most diverse and demanding real-world environments. From the muddy tracks of the Malaysian rainforest to spectator-packed stadiums in London and Los Angeles, racers will compete in contemporary off-road race disciplines covering Rallycross, Trailblazer, Raid, Landrush and Rally.
DiRT 2 is set to take racing games to a new level with thrilling new race disciplines, striking locations, big event atmosphere and a peerless line-up of super-charged speed machines, each selected to deliver spectacular, fast paced racing.
Complete with full head-to-head competitive online play, get ready for the ultimate off-road competition when DiRT 2 launches on September 8, 2009. For the latest news and videos, powerslide over to www.dirt2game.com.
Developed by Codemasters Studios, creators of the BAFTA Award-winning Race Driver: GRID and powered by the third-generation of the award-winning EGO™ Engine, DiRT 2 will be published for the Xbox 360 video game and entertainment system from Microsoft, PLAYSTATION 3 computer entertainment system, Wii, Nintendo DS and PSP (PlayStation Portable) system. A Games For Windows LIVE edition will follow with support for DirectX 11.
ABOUT DiRT 2
Melding turbo-charged off-roading with extreme sports attitude, the eagerly anticipated next chapter in the legendary racing series, DiRT 2, will deliver a thrilling and stylish off-road racing experience. DiRT 2 takes off-road racing games to a new level with thrilling new race types, big event atmosphere, stunning locations, a new breed of off-roading heroes and feature a peerless line-up of super-charged speed machines covering seven vehicle classes.
DiRT 2 will take players on a World Tour of adrenaline-fuelled extreme off-road events in stunning real-world locations. Events include exhilarating rally cross in the massive Los Angeles sports stadium's "Stadium King Shootout", edge-of-control canyon racing of Utah's "Creek Trailblazer" event, the "Rawang Rally Run" along treacherous Malaysian rainforest tracks and the "Battersea Battle", where night races are staged at the iconic London power station. Building on the technical and gameplay benchmark of DiRT and borrowing from snowboarding and skateboarding lifestyle and culture, DiRT 2 will also add full online multiplayer and social networking functions, inviting players to become part of an extreme sports community.
Titling information:
To be titled "Colin McRae: DiRT 2" in all territories outside of the U.S. where the game will be published as 'DiRT 2'.
Codemasters is a leading developer and publisher of best-selling interactive entertainment products for a global audience across multiple gaming platforms and channels. Established in 1986, the company's dominant brands include the BAFTA award winning Race Driver GRID, DiRT, Overlord, Operation Flashpoint; the company also retains the exclusive worldwide FORMULA 1 video game rights. Codemasters is headquartered in Warwickshire UK, with North American operations based in Universal City, Calif. The company also maintains operations in Japan, Germany, France, Spain, Benelux and Malaysia. Codemasters receives over two million visitors to its web site every month, discover why at www.codemasters.com


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Bee Free Boutique
- Expired
- Silver Lake
- Women's Clothing
Well equippedwith gum balls, red wine, and Suzy, the store's fluffy little guard dog, Bee Free Boutique helps you feel like clothes are fun again.Walking into Angie Freeman's Bee Free Boutique in Silverlake feels like walking into a sun-drenched patch of grass after it rained all day. Well equipped with gum balls, red wine, and Suzy, the store's fluffy little guard dog, Freeman helps you feel like clothes are fun again. "Customer service is the most important thing," Freeman says. "There's no "right" size, there's no "right" body typeladies want to talk about what's right for them." Freeman's also the buyer of the store, and her selection feels curated more than just bought on a whim. From breezy shorts to a halter top that makes you reconsider giving up on halter tops, the store feels like it has a lot of must-haves.
Judging from the selection of clothing, handbags and accessories, it's hard to believe this is Freeman's first boutique. "I sort of jumped in the deep end and have been feeling my way through," she says. But an unexpected perk of the job is the stories her customers tell her. "They'll come in looking for a sundress and end up telling me their life story. It's funny how fashion's that way." Freeman says at the end of the day, that's what makes it worth it. "Even if I didn't make a dime, I'm happy."
Monday & Sunday, 12 pm - 6 pm
Tuesday - Saturday, 11 am - 8 pm


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Defense Department says it will delay furlough notices for civilian employees
WASHINGTON – The Defense Department will delay furlough notices for its civilian employees for about two weeks while officials analyze the impact of a new spending bill on planned budget cuts, the Pentagon said Thursday.
The delay comes as defense officials continue to wrangle over how many civilians should be exempt from the unpaid leave requirement, including how much of the U.S. intelligence community should be excluded. A senior defense official said Thursday that as much as 10 percent of the department's 800,000 civilian workers overall could be exempt from the furloughs. The official said the exact numbers were still being worked out.
The official was not authorized to speak publicly about the furlough exemption number and spoke on condition of anonymity.
Some of those workers include civilians in the war zone and in critical public safety jobs, as well as people whose jobs are not paid for through congressional funding. As an example, some employees may be contractors or people working in facilities that pay for operations out of their earnings -- such as some recreation jobs or foreign military sales.
Another example would be civilian mariners who are working for the Navy on ships at sea.
Intelligence officials are arguing that a certain number of workers are needed in order to adequately monitor and protect the U.S. from national security threats. Officials will not say, however, how many intelligence workers across the Defense Department or government-wide will be exempt.
The U.S. intelligence community is made up of 16 different organizations, ranging from the CIA and the Defense Intelligence Agency to the highly secretive National Security Agency and the National Reconnaissance Office. Altogether the agencies have about 100,000 workers.
Director of National Intelligence James R. Clapper has warned that the across-the-board budget cuts would shave about $4 billion from intelligence budgets and would affect operations. He said that collecting intelligence through personal contacts as well as by technical spying would be reduced.
The Pentagon had planned to begin issuing the furlough notices on Friday, but Congress on Thursday approved legislation to keep the government open through the end of September, moving more than $10 billion into Pentagon operations and maintenance accounts. That shift could reduce the number of unpaid furlough days employees would be required to take.
Officials said the extra money is not likely to widen the pool of employees eligible to avoid the furloughs.
In a statement, the Pentagon said no final decisions have been made on whether changes can be made to the number of furlough days. Initially, officials had said civilians would face one furlough day per work week for 22 weeks.
The legislation did not add money but instead shifted funds from investment and acquisition accounts to operations accounts, so that savings would have to be found elsewhere.
The furloughs are because of automatic spending cuts agreed to in a 2011 budget pact.


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Doing Health – share your knowledge!
The platform www.enphyo.eu wants to create an international network for health promotion in youth organizations and invites anyone who, directly or indirectly, trained, paid or as a volunteer, works with and for youth to exchange ideas.
How can you participate?
1. Go to www.enphyo.eu
2. Go to Practice and then to Projects
2. Look at the left hand side on the end of the page
3. Click on "Add Project"
4. Fill out the form (in English, but all your documents can be in your own language)
5. The project team will get your message and put it online.
What's the objective?
The goal is to create a European network for those working in health promotion for youth, focusing on the resources young people need for a healthy development and giving special attention to participation, living competences and well-being.
The network aims to encourage healthy lifestyles and give you the knowledge and skills you need to make sound, informed decisions about your personal health and to preserve and improve a safe and healthy environment.
Offentliggjort: Man, 17/06/2013 - 16:19
Info for young people in the western balkans


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July 27, 1924 - October 23, 2013
Middletown, NY
Leona M. Bidwell of Middletown, NY and Yankee Lake, Wurtsboro, NY died on October 23, 2013. The daughter of Raymond L. and Kathryn L. Andrews, she was born in Orchard, NE on July 27, 1924. She was the widow of Clarence E. Bidwell and was predeceased by her parents and daughter, Joyce Stifano; and two brothers, Theron and Eugene Andrews. She was 89.
She was a member of the Webb Horton Memorial Presbyterian Church, now United Presbyterian Church, since 1944 where she had been a Deacon and one of the first women elected as an Elder. She taught Sunday School, was Sunday School Superintendent, one the the first members of the original hand-bell choir and a long time member of the Chancel choir, and Women's Association. She was also a member and Trustee of the former Ladies Auxiliary of Veteran Firemen, member and former Treasurer of the Garden Lovers' Club of Middletown and Middletown High School class of '42 Reunion Committee. For 33 years she was the smiling face behind the desk at Kassel Brothers retail store in Middletown where she was the Office Manager.
Survivors include one son, Bruce and his wife, April of Narrowsburg, NY; son-in-law, Joseph Stifano of Yankee Lake, Wurtsboro NY; three grandchildren: Shannon Watts and wife, Laurie, of Port Jervis, NY, Jessica Citriniti and husband, Dominick, of Pine Bush, NY and Seth Bidwell-Gambino of Martha's Vineyard, MA; also four great-grandchildren: Kaitlyn, Vincent, and Michael Citriniti and Logan Watts; sister-in-law, Catherine Andrews of Middleburgh, NY and niece and nephews.
All those who knew her will remember her as one who gave freely of herself and who was sincerely grateful for the kindness of others.
Visitation will be held from 6 to 8 p.m. on Monday, October 28th at the Applebee-McPhillips Funeral Home, 130 Highland Ave., Middletown, NY. A Memorial Service will take place at 11 a.m. on Tuesday, October 29th at the United Presbyterian Church of Middletown, 25 Orchard St., followed by a reception in the church community hall. Burial of ashes will be at 2 p.m. at Wallkill Cemetery.
In lieu of flowers, donations can be made to United Presbyterian Church of Middletown, NY, 25 Orchard St., Middletown, NY 10940.
For further information or directions, visit www. applebee-mcphillips.com (845) 343-6309


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The M.Div. curriculum is designed to offer training for the pastoral ministry. Concentrated study in three basic areas - Bible, systematic theology, and practical theology - characterizes this three-year program. In addition to training for pastoral ministry, the curriculum is designed to aid in the student's sanctification. For an enumeration of the MDiv student learning outcomes for assessment purposes, see Student Learning Outcomes - MDiv.Bible courses include the basic structure and content of each book of the Bible along with such details concerning major characters, dates, and places as are necessary. Principles of hermeneutics and exegesis, using the original languages as well as the English Bible, are also included. Students learn to apply Scripture to contemporary circumstances.Building upon and integrated with a biblical foundation, theology is a major area of concentration. The purpose of this study is to provide the theological and historical foundations, along with current cultural contexts, to understand and live the Christian faith.The practical theology courses are designed to enable students to develop competence in ministry including preaching, worship, leadership, and individual shepherding. A variety of experiences and instructors enable students to develop methods and styles of ministry suited to their individual gifts. The number of class hours per week may exceed the number of semester hours of credit. Some of the preaching and pastoral course requirements may be adjusted for women and other non-ministerial candidates so as to provide the appropriate preparation and setting for their needs. Women and other non-ministerial candidates will substitute additional elective course hours for the Preaching Labs. These elective courses may include alternative communication labs.A student attains middler status upon completion of thirty-six semester hours and senior status upon completion of seventy-two semester hours. The curriculum is designed to be completed in three years, but many students choose to complete the curriculum in four or more years.
The M.Div. curriculum offers the student the option of selecting an area of emphasis. Included in this catalog are schedules of courses for the M.Div. degree that further define the various emphasis area options and the requirements for each.JacksonStudents taking the M.Div. degree may major in one of four areas: biblical exegesis, pastoral ministry, counseling, and intercultural studies/missions. All four programs require a total of 106 semester hours.OrlandoStudents registered in the M.Div. program may choose Counseling as an area of emphasis. For complete information click here.CharlotteWithin the 106-hour M.Div. curriculum, a student has the opportunity to choose an emphasis in either Campus Ministry, Church Planting Ministry, or Christian Counseling.
A degree from Reformed Theological Seminary indicates that the graduate has completed the requirements for the course of study. Although the M.Div. degree meets the standard educational requirements for ordination in most denominations, the degree does not certify that the graduate necessarily possesses all the biblical qualifications requisite for the ministry or adheres to the Reformed faith. Graduation from Reformed Theological Seminary with either the M.Div. degree or diploma should not in itself be construed as a recommendation for the ministry. Ecclesiastical bodies and pulpit committees are responsible for applying their own requirements for ordination to determine the doctrinal soundness, suitability, and readiness for ministry of a particular graduate.
Whether you're a prospective student, current student, alumnus, donor, or friend of RTS, we would love to hear from you.


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"Hello, I must be going."
This is my first post since last week because I've been doing that Hanukkah/Christmas thing with the family as well as being stuck in Dolphinland up in Davie. The latter is where I'll be spending this week, back around Camp Mitch more next week (I hope).
But, as for this week...
A) Despite the doubts of a lucid commenter on a previous post, I still trust my sources close to Mario Cristobal who say progress is still being made on an extension. I'm curious to see if the school pusts a little more financial bass in the escape clause.
B) The women's baskteball team's Sun & Fun holiday break tournament offers two chances during the holidays to see sophomore guard Jerica Coley. FIU opens against Albany Thursday night and faces either Charlotte or Auburn Friday.
C) Men's ball heads to the last place in the Sun Belt anyone wants to go when they're having basketball trouble, Middle Tennessee State. This team that's been on the road for all but three games so far plays one half like they just listened to "We're An American Band" and another as if they just listened to "Turn The Page" with little pattern.


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For example, there are conflicts between state insurance laws and the federal law established by the Patient Protection and Affordable Care Act. Companies are trying to figure out whether they need to submit new paperwork in Tallahassee or Washington, and a federal May 1 deadline is looming.
The uncertainty in Florida, creating in part by the state's refusal to implement the law until it had no choice, led to more finger pointing today during the House's Select Committee on PPACA.
"The law passed back in 2010, and because there was a philosophy, and ideology that this shouldn't be the law -- even though it was the law -- we don't have a contingency plan," said Rep. Dwight Dudley, D-St. Petersburg. "We're reacting now, at the 11th hour essentially, and we're flat-footed and completely unprepared to implement the law as it is."
State insurance regulators insisted that they have been studying their options and staying aware of the needs all along, even if their hands are ultimately tied until the Legislature decides what it wants to do. Officials with the Office of Insurance Regulation say they could present a bill this session that puts Florida law in line with the federal government, but each week there is new information coming from Washington that could require even more changes.
"As we find out everyday, the federal government is rolling out new regulations that change the whole scenario, creating uncertainty for employers, creating uncertainty for insurance companies and creating uncertainty for the Florida Legislature," Wood said after the meeting.
He also suggested that the state should allow the federal government to take more of the lead in carrying out the law, even if it means repealing some Florida laws and regulations that are now in conflict.
"The fed government is the one we need to look to," Wood said. "They're the ones that have created this law. They're the ones that need to implement it. And they're the ones that are going to have to be responsible for its impact."


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- AB 1012 Implementation
- CADD Resource Files
- Construction Manager/ General Contractor (CMGC)
- Cost Estimating
- Design-Build
- District Liaisons
- Innovative Contracting
- Manuals & Guidance
- Metric to English Transition/ Program
- Project Acceleration
- Quality Management
- Resolutions of Necessity
- Resource Conservation
- Storm Water
- Value Analysis
How Caltrans Builds Projects
This booklet gives a concise overview of the California Department of Transportation (Caltrans) project delivery process for projects that will improve or maintain the State Highway System (SHS) including the Interstate System. This booklet also provides a list of resources for further reference. In addition to contacting local district staff with questions pertaining to their area of expertise, information may be obtaining via the Caltrans web portal: http://www.dot.ca.gov or http://www.dot.ca.gov/doingbusiness.htm.
This page last updated Sept. 13, 2011


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Area Rugs: Throw / Scatter RugsCall them what you please ... area rugs, throw rugs, scatter rugs ... there's a vast assortment available from every part of the world. The term "rug" generally applies to a handmade piece, while the term carpet refers to goods made by machine. Buy wall-to-wall carpeting and have it cut to any size, add borders, and have the edges bound. Or select from any number of types and patterns available, either inexpensive copies or valuable collector's items. Let your tastes, needs, and budget direct you.
Brand Overview
Mohawk Area Rugs
Profile | Website | Video | Tips | Clean | FAQs | Green
Mohawk's dedicated rug designers are constantly striving to bring you the latest in rug fashions. When choosing Mohawk Select, you not only have the brand name that you have grown to trust, you have the latest in style, color and great value as well.


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On The Home SellerŌĆÖs Radar, Part 2: Home Staging
Part 2 ŌĆō HomeGainŌĆÖs Fall 2007 Home Sale MaximizerŌäó Survey
In part 1, I disclosed six of the top 10 most recommended home improvements (by real estate agents). Now here are the top four!
1. Clean and de-clutter
2. Lighten and brighten
3. Stage home for sale
4. Landscape front/back yards
In each of the four regions, West, East, South and Mid-West, all real estate agents agreed that cleaning and de-cluttering was the most valuable action in getting a home into ŌĆ£home selling condition.ŌĆØ
At a minimal cost of a couple hundred dollars, ROI of cleaning and de-cluttering your home may skyrocket into a high average of 578%. This is added home value in the range of $1,500-$2,000. The highest return on investment was in the West (837%).
Professional home staging came in second place in the South and Mid-West. On a national level, agents reported that home staging costs between $400 and $600 on average, potentially resulting in a $1,900 to $2,500 increase to the homeŌĆÖs selling price, and making the return on investment over 340%. Continue reading this post


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Royal Baby First Photos with Kate Middleton & Prince William
The Royal Baby has made his first appearance while leaving St. Mary's Hospital with his mom Kate Middleton and dad Prince William just past 7:10pm on Tuesday (July 23) in London, England.
The baby was born the day before at 4:24pm and he weighed in at 8lbs, 6oz. When the birth announcement was made, no name was given, though it is expected to be released shortly!
If you want to send your congratulations to Will and Kate, you are now able to do so via a Google Plus e-card. Head on over the Google.com/+ClarenceHouse right now to send your message!
FYI: Kate is wearing a Jenny Packham dress. Will and Kate are using their Britax Baby-Safe infant car seat.
30+ pictures inside of Kate Middleton and Prince William leaving the hospital…


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4 photos
Activity on Sep 28, 2011
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Activity on Sep 9, 2011
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Canaries Outlast St. Paul In Extras For 1-0 Win
ST. PAUL, Minn. -- The Sioux Falls Canaries won an 11-inning marathon on Monday night, topping the St. Paul Saints with 1-0 victory at Midway Stadium.
J.P. Ramirez led off the 11th inning with a single and eventually scored the game-winning run on an error, the only one from either side. The Canaries won for the first time in extra innings and stole the opener of a four-game series.
In addition to brilliant pitching, the Canaries' defense made three key outs at home plate to preserve a shutout. In the fifth inning, Canaries right fielder Nick Van Stratten threw out Joey Becker attempting to score on Dwight Child's single. In the 10th with one out, third baseman Jared Clark threw out Brandon Tripp trying to score on a high chopper. One batter later, Adam Frost singled to left, but Ramirez gunned down Jose Hernandez to save the day.
Despite three hits allowed in the 10th, reliever Kirk Clark (1-4) survived to pick up the win. Alan DeRatt pitched a perfect 11th inning for his 19th save. He induced Brian Burgamy into a game-ending flyout.
Despite throwing nine scoreless frams, Kyle Ruwe could not win a bid to become the Canaries first 10-win starting pitcher this season. He scattered just six hits, all singles, and he induced 15 groundball outs to lower his season ERA to 3.58.
Ramirez' leadoff single in the 11th inning was the first hit for the Canaries since the fourth. Kevin Dultz sacrificed him to second base, but Stephen King then struck out. After Van Stratten was intentionally walked, both he and Ramirez moved into scoring position on a wild pitch. With Cory Morales batting, a Kyle Morrison (0-1) pitch went to the backstop. Ramirez broke for home before retreating to third, and catcher Dwight Childs threw to second trying to nab Van Stratten off the bag. His throw went wild, and Ramirez scampered home for the game's only run.
The Canaries spoiled an equally brilliant outing by St. Paul starter Anthony Claggett. Claggett permitted just three hits and one walk in nine innings.
The Canaries have played errorless defense in five straight games. Their last six games have been decided by two runs or less, and they are 3-3 in those contests.
Game two of the four-game series against the St. Paul Saints at 12:05 p.m. on Tuesday.
Courtesy: Sioux Falls Canaries


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Joseph "Pepe" Badía didn't start out to become Miami's spice king.
"I wanted to be a dentist," said Badía, president of Doral-based Badia Spices. As a young man, he had studied at Miami-Dade Junior College at the end of the 1960s, after a stint in the U.S. Army.
But once he tasted success while managing the family business, his ambition grew. Because of that, Badia Spices Inc. — a company that today ranks as one of the largest in the business — blossomed. Once a seedling, the business has become a towering figure in the world of spices. And now its products have been sold and savored in 78 countries, including all corners of the United States.
As Badía reflected recently on his company's roots, he was surrounded by the infrastructure that helps nourish its success: a 100,000-square-foot production facility, 10 production lines, huge stores of raw materials, a fleet of trucks and a team of 187 employees. The company also has a 70,000-square-foot distribution center nearby. Badia today ranks as one of the country's major spice companies, competing with concerns like McCormick & Co., the country's largest spice producer, and Goya Foods. Its dollar sales last year "reached nine figures" for the first time, Badía said, and are poised to increase 20 to 25 percent this year. (The family name has an accent, but the company name does not.)
At the Doral production facility — while standing among tall shelves packed with bagged garlic from China, pepper from India, and other products from Vietnam and California — Badía described the company's journey. Open and friendly, he conversed easily about the complexities of the spice business and the steps he took over the last four decades to grow his company. While clearly proud that Badia Spices has become an important supplier of products to domestic and international markets, he is modest about his accomplishments and never fails to give credit to his employees.
As he tells it, the roots of the company's success lie in the wave of Cubans who fled to the United States after Fidel Castro took power. Among them were young Pepe, who at age 14 had been sent to Miami in 1960. He was then sent to New Jersey to live with friends and family. Later, his father, José, and mother, Azucena, arrived in Miami, and the family moved to Puerto Rico. In 1967, the elder Badía, who had been in the hardware business in Cuba, started a new career in Miami, this time in a tiny store at the corner of Southwest First Street and 22nd Avenue — the original Badia Spices. There he packaged garlic, pepper, vanilla and a variety of other spices, selling them to about 30 bodegas around the city.
Working part time, Pepe, as he is still widely called, helped his father mix and package 30 to 40 bottles a day of spices by hand. And by 1970, when the elder Badía needed a full-time employee to help manage the daily operations, he offered the job to his 23-year-old son who was fresh out of the Army.
"If I worked full time with the spice business, I could earn $100 a week. That was pretty attractive back then, so I accepted the job," said Badía, now 68. "We had a very small business. But as the Cuban community grew in Miami, so did we."
Pepe Badía and his father, José, worked together closely until the elder Badía's passing in 1995.
Part of what has driven Badia Spices' success was luck: It entered the Miami market at just the right time to meet a burgeoning demand. After the first large numbers of Cubans arrived in Miami, the city's Hispanic community expanded even more in later years as tens of thousands came from Mexico and Central and South America. Immigrants brought with them a taste for the strong flavors and piquant dishes of their homelands. Demand for a broad range of spices increased across South Florida.
Badia capitalized on that by expanding into South Florida supermarket chains within and beyond the Hispanic community; using quality products with competitive pricing; broadening the product line; taking risks by entering new national and international markets; making steady investments; and hiring a first-class team of employees.
"And hard work didn't hurt," Badía said. Even after the tiny operation acquired its first mechanical packaging equipment early on, he continued to arrive before dawn to mix and package spices and get them ready for delivery: "I've done it all — mopping floors, filling bottles, running machines, driving trucks and selling our products."
To build the company, the Badías took several initiatives:
In the late 1960s and '70s, Pepe Badía concentrated on expanding the customer base among bodegas, working until 3-4 a.m. to fill containers at a tiny store in Miami. Later, he used his station wagon to deliver packets of spices, chorizo and even brooms to clients during the day.
Meanwhile, Sedano's — which today is the largest Hispanic-owned U.S. supermarket chain — was adding new stores in Miami at the time. Badía reached out to Sedano's, placing its products in some of the chain's earliest stores around 1970.
"We opened our first store in Hialeah in 1962, and started selling Badia products around 1970 with our second or third store," said José Herrán Jr., Sedano's COO. "We first carried small pouches and blends — people then sent them back to Cuba, as 'care' packages. We were definitely the first market chain to carry their products, and when competitors saw this, they started carrying them too."
As Sedano's added new stores, Badia products appeared on their shelves. Today, Sedano's has 34 stores, and Badia spices are sold in all of them, as are products from its competitors, including McCormick. "We sell Badia products 10-to-1 against McCormick," Herrán said. "Like any business, you cater to your customers. When Pepe and his father started, they knew what was missing in the market."
EXPANDING IN '80s
By the mid-1980s, Badia Spices began selling its products outside of the mainland United States. Pepe Badía saw sales opportunities in Puerto Rico in 1985 and launched his product line there in several Winn-Dixie supermarkets and other outlets. This was the company's first foray outside Florida. Later in the decade, it sold to the Netherlands Antilles (Aruba, Curaçao and Bonaire) and found other markets in the Caribbean and Latin America.
Another major growth spurt for Badia came after Publix supermarkets introduced its products to a broader consumer market during the decade. "Publix began carrying Badia products in 1989," said Nicole Krauss, media and community relations manager for the Miami division of Publix Super Markets. "They first appeared in a store in Miami Lakes and expanded eight months later to 12 stores."
Today, Publix has 1,077 stores in Florida and five other states, and all stores are authorized to carry Badia products, depending on local demand.
The most popular Badia products sold at Publix are mojo marinade, garlic powder, complete seasoning ( sazón completa), herbal teas and minced garlic in oil. "At the time, only the Hispanic neighborhood stores carried this product," Krauss said. "Bringing them to our stores allowed us to better serve our diverse customer base and provide them with the products they are interested in."
'90s: MAKING INROADS
From 1990 onward, Badia steadily expanded its reach in the United States, launching products in the Tampa Bay area and Atlanta and selling Mexican chiles and spices in Texas. It also moved into the New York-New Jersey area and made new inroads overseas.
Badia reached out to the large Hispanic communities in the New York and New Jersey areas. It began working with Wakefern Food Corp., a regional food distributor to ShopRite and PriceRite stores in New Jersey, New York and adjoining states.
"Badia Spices has been a supplier for Wakefern Food Corp. for 25 years," said Joe Gozzi, the company's director of food service. "Wakefern is a cooperative made up of 50 members — all family-owned business, just like Badia. This makes for a natural partnership.
"The Badia brand has grown more mainstream over the years as more and more people explore the flavors of Latin American cuisine. In fact, what was originally offered in about 50 ShopRite stores has now expanded to a wide array of Badia products in more than 250 ShopRite stores and 56 PriceRite stores," Gozzi said.
As the company grew, Badia also saw opportunities to sell a wider range of products. "We're not just a spice company," Pepe Badía said. "We also sell olive oil, hearts of palm, sauces, coconut water, tea, herbs, nuts, seed, toppings and specialty items."
In the United States, the company has been riding a trend to spice up American cooking. "The spice market in the U.S. is growing by 5 percent per year," Badía said. "Spices are universal. They're used in all types of cuisines. Our sales even improved during the recession, since many people cut down on eating at restaurants, cooked more at home and bought more spices."
A U.S. Department of Agriculture report supports this: "Rising domestic use of spices reflects growing Hispanic and Asian populations, a trend toward the use of spices to compensate for less salt and lower fat levels in foods, and heightened popularity of ethnic foods from Asia and Latin America."
In recent years, the company has also expanded to Latin America, Africa and Europe. In Latin America, Badia is negotiating with Walmart to place products in hundreds of its stores in Mexico and Costa Rica.
"The key to expanding anywhere is to find a good distributor and salespeople," Badía said. Distributors in the United States and overseas typically buy from manufacturers or wholesalers and sell to retailers. They have established relationships with supermarket chains, local markets and other types of stores, and are critical for opening up new markets. "I'm only as good as my distributors," he said.
Badia representatives meet with distributors, assess their market reach and sign agreements with them. Often distributors come directly to Miami to meet with company executives and look over its products and pricing, Badía said. Company representatives also travel to other parts of the U.S. and overseas to meet potential distribution partners at trade shows or in person.
Sometimes, serendipity plays a role in the company's expansion. That was how Badia came to be distributed in Ghana — its first foothold in Africa, where it is now expanding to Nigeria and other markets.
A woman from Ghana was visiting a family in New Jersey, Badía said, and tasted a chicken prepared by her hostess. The cook had used Badia's complete seasoning, and the visitor liked it so much she contacted Badia Spices and began selling its products when she returned home.
"I didn't go to Ghana — Ghana came to me," Badía said.
Other elements that have been key to Badia Spices' success — quality products, competitive prices and modern production capacity — will also likely determine its future.
"We offer an attractive, quality product at prices 30 to 50 percent below the competition," Badía said. The company buys some raw materials from U.S. suppliers, but most of its spices come from overseas because many spices are not produced in the United States. China, India, Vietnam and Sri Lanka are major suppliers.
Recently, for example, Badia garlic powder, one of its most popular products, retailed at a local Publix for 38 percent an ounce below the same product sold by McCormick, Badia's biggest competitor. Badia paprika, another big seller, costs Publix customers $1.10 an ounce, compared to $2.49 an ounce for the McCormick brand. Badia's packaged product — labeled in English and Spanish — is 56 percent cheaper than McCormick's brand.
Badia and McCormick buy the same quality raw materials, often from the same countries overseas. Badia, though, can sell at lower prices because it accepts lower margins than publicly traded McCormick, the company said. Also, it has lower overhead than market leader McCormick, including marketing and advertising expenses.
Asked if McCormick was concerned about Badia's growth in the U.S. Hispanic market, Lori Robinson, McCormick's vice president for corporate branding and communications, said: "McCormick has been in business for 125 years and we are accustomed to competition. Approximately 17 percent of our total sales for herbs and spices come from Hispanic buyers." The company is not only the spice market leader in the United States, but also leads among Hispanic consumers, with a 41.2 percent value share, she said.
Robinson said that McCormick's Lawry's line has the No. 1 seasoned salt and garlic salt among Hispanic consumers. "We believe the Hispanic community is a promising market for our business, and with that in mind, we are developing new products such as the Galeo line of Hispanic spices available in select stores in the Miami area," she said.
McCormick also sees strong growth ahead in the spice and herbs market. "The retail spice market is showing robust growth and is certainly an expanding market," Robinson said. "The dry spice category is strong across both the general market and Hispanic market. Both markets grew herb and spice category dollars by 11 percent ($266 million) from 2011 to 2013. We are seeing growing influences from regions around the globe, including chiles and Mexican-inspired flavors, and anticipate that the market for flavor will only continue to grow as consumers expand their palates to include new, bolder flavors."
While Badia's lower prices attract many consumers, others say it's the taste that counts.
Carolyn Wilson, a U.S. Postal Service employee who lives in Coconut Creek and shops at Publix, has been buying Badia spices for about 10 years. "I cook for a large family, and their spices are to my taste," Wilson said. "They have more flavor than the other brands. For people who cook, it's not about the price, it's about the taste."
Daisy Díaz, the chef and owner of Sabores Restaurant in Doral, buys Badia spices for her restaurant and home. "I use Badia Spices because they have amazing flavors," said Díaz, who is from Ecuador. "I've tried other brands, but I prefer Badia — it's the only spice I use. I make my own dressings, sauces and desserts at Sabores, and they have spices from all over the world, so their products are very important for my cuisine."
Badia also is investing in the future.
In the early years, Pepe Badía financed the company's first steps with savings and, eventually, cash flow. To buy delivery trucks and costly equipment to process, blend and pack spices and sauces, he obtained bank credit and other financing.
As demand for the company's products increased, Badía moved his business to larger buildings, acquired new equipment and expanded and trained his workforce. Last year, the company invested about $3 million for new X-ray equipment to detect any tiny bits of metal in imported raw materials, and to expand its product line.
Badía expects capital investment to be even higher in 2014 to expand the company's Doral production center, add new air-conditioned spaces with state-of-the-art dust control systems, acquire 19 forklifts, and build new spice-blending facilities.
The company also is committed to sharing its success with the community. Badia donates a share of sales of different products to several charities, including the Dan Marino Foundation, the National Breast Cancer Foundation and Here's Help, which assists young adults with drug problems. (What little TV and radio advertising the company does is usually linked to its charitable activities.) Badia contributes to a culinary school to help train young people at Here's Help. It also provides scholarships at Florida International University. Last year, total dollar donations were in the high six figures.
Badía does not see himself as the only force behind a company that has grown to $30 million, $50 million and now around $100 million in annual sales. He works hard to provide a good work environment for employees and gives each one a $250 bonus for birthdays, a $500 bonus for Thanksgiving and $1,000 at Christmas.
"Our employees are why we are here," Badía said. "I didn't do this alone."
The spelling of the Sedano's COO was incorrect in earlier versions of this article.


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Edible-bird's nest (EBN) : Anti-Aging Food. The general guidelines for the anti-aging diet are: keep your calorie consumption and saturated fat intake down; eat plenty of wholegrain, oily fish , fresh fruit and vegetables; and cut down on salt and sugar. In addition to these general guidelines, there are specific foods that have a role in anti-aging and that you should regularly include in your diet such as edible bird's nest soup.
Monday, October 28, 2013
Thursday, October 17, 2013
Bintulu, A Swiftlet City in Sarawak
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Punch Cabinets & Credenzas by Alexander Taylor
I am loving this cabinet design by Alexander Taylor for Established & Sons. Shown here in the 4 versions, the cabinet is made from mild steel and meant to resemble an audio speaker. The punch holes serve more than just a decorative purpose and also aid in adding strength to the thin gauge aluminum used.
Alasdhair Willis, a former editor at Wallpaper, founded Established & Sons in 2004 and it has been quickly recognized for fostering and encouraging Britain's best young furniture designers.
Punch can be viewed in person at Manhattan's Matter store on Broome Street — the cabinet has a unique matte finish and texture that is worth checking out!
Via: The Upgrader.
• Richard Woods' and Sebastian Wrong's Wrongwoods
• Stack Storage Drawers by Shay Alkalay
• Alasdhair Willis of Established & Sons
• Bricks & Mortar by Richard Woods & Sebastian Wrong
• Louvre Light by Klauser & Carpenter
• Iris Tables by BarberOsgerby


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The Cathedral of Helsinki
Helsinki Finlande© François Lambert, 1999-2005 seen: 49464 - votes: 1069
List of pictures
-> Senatstorget----> To vote for this pictures, click-here
The Cathedral of Helsinki
The Cathedral is well integrated in the Senate square : at its left the university and the library, on the left the governement palace and on the opposite, the Sederholm House, a small blue house which is the oldest buikding in Helsinki. It has been built in stone in 1757 and is the only building that was not destroyed that the fire in 1808. The Senate Square was designed by Carl Engel during the reconstruction of Helsinki. The building of the cathderal start in 1830 and was achieved in 1852.
texte/traduction/Translation/Oversättning : François Lambert
Discuss and learn more about Finland in the forum
photo recommandée par :
voir aussi : Vasa
voir aussi : Vasa


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Live Bangladesh vs Zimbabwe T20
BAN vs ZIM T20 Live HD Streaming Online TV Telecast
Date: Wednesday, Jan 20, 2016
Bangladesh vs Zimbabwe 1st T20 will be played on Jan 15, 2016 at 03:00pm in SANS Khulna Stadium.
Experimentation is the buzzword around the Bangladesh vs Zimbabwe T20 series 2016. Both teams are looking ahead to the ICC World T20 2016 India in March, and with the least exposure in this format among all Test-playing nations, it is hardly a surprise that they are trying to cram in as many T20s as possible before the major event.
Zimbabwe have a 16-man squad to choose from, which includes the return of Vusi Sibanda, Sean Williams and Brian Vitori, who in 2011 troubled Bangladesh at home, picking up a match winning first-innings four-for in the only Test and topping the wicket charts in the ODI series. The visitors will want to bounce back after their recent series losses, in both ODIs and T20s, to Afghanistan in the UAE. Coach Dav Whatmore said it was a closer contest than the result suggested but Zimbabwe would still be concerned by their current form.
Their bowling looks thinner than usual, especially in the absence of Tinashe Panyangara, relying on the legspinner Graeme Cremer for much of their threat and control. Luke Jongwe, Neville Madziva and Vitori are the pace bowlers who will have to back Cremer.
Bangladesh have Shakib Al Hasan and Soumya Sarkar back in their squad, with three newcomers also given a chance to show their worth in the first two T20s. Al-Amin Hossain, Mashrafe Mortaza and Mustafizur Rahman are the first-choice pace options while Shakib and Arafat Sunny will be the main spin threats.
What will be interesting to see is the way Bangladesh's batting order lines up, with Mahmudullah likely to bat at No 3, which means Mushfiqur Rahim and Shakib can set up a final flourish for Sabbir Rahman or either of the two newcomers Shuvagata Hom and Nurul Hasan, both reputed to be fast starters.
Bangladesh Players List vs Zimbabwe (BAN vs ZIM 1st T20)
1 Tamim Iqbal, 2 Soumya Sarkar, 3 Mahmudullah, 4 Mushfiqur Rahim, 5 Shakib Al Hasan, 6 Sabbir Rahman, 7 Nurul Hasan (wk), 8 Mashrafe Mortaza (capt), 9 Arafat Sunny, 10 Mustafizur Rahman, 11 Al-Amin Hossain
Zimbabwe Players List vs Bangladesh (ZIM vs BAN 1st T20)
1 Chamu Chibhabha, 2 Hamilton Masakadza, 3 Richmond Mutumbami (wk), 4 Sean Williams, 5 Malcolm Waller, 6 Sikandar Raza, 7 Elton Chigumbura (capt), 8 Luke Jongwe, 9 Graeme Cremer, 10 Tendai Chisoro, 11 Neville Madziva
BAN vs ZIM 1st T20 Weather & Pitch Condition
The Sheikh Abu Naser Stadium (SANS) surface has the feel of a typical Khulna pitch and with shorter boundaries, the team batting first should be able to score 150-160. Dew will be a factor, possibly from around 4.30pm, so the team batting second will have some advantage.
Live Bangladesh vs Zimbabwe T20 TV Channels
Bangladesh vs Zimbabwe T20 series 2016 will be live telecast on GTV (Gazi TV).