text:
Roger left home under the worst of circumstances; an argument with his mother and father ending with him saying, "I hate you and never want to see you again." As soon as those words were let out it was as if a bomb had been detonated. You can't un explode a bomb. The look on his mom's and dad's faces could have not been any more painful.
Twenty years had passed. He now had a son the age he was when he left home.
Roger was careful but firm in the rearing of his son. He was a good son and Roger was more than proud.
Roger now lived more than 2,000 miles from his boyhood home. He, with his son, returned to his hometown and drove down streets familiar only to Roger.
"See, right there," Roger said pointing to a vacant lot overgrown with weeds and neglected by time. "That's where me and my buddies played ball; football in the fall, snowball fights in the winter, and whether the field was dry or not, baseball in spring and summer."
"See the warehouse?" Roger said. "That window at the top, I put a baseball through it."
"Is that the one your dad made you pay for?" Jordan said.
"Yeah," Roger said, "that's the one."
"And you said the only lesson you learned was not to hit to the opposite field," Jordan smiled.
"Yeah," Roger said, "and a few more."
"Remember the kid I told you about called Dick the Bruiser?" Roger said.
"Yeah," Jordan said, "the neighborhood bully."
"That yellow house on the corner was his," Roger said. "We'd walk a block out of the way to avoid that house."
Roger made a left onto a tree-lined street and slowed.
"This is your street isn't it?" Jordan said. "Maybe you should call"
"I'm returning the way I left—sort of," Roger said. "I got a lot to make up for. I was so wrong."
"Maybe it's best you do this alone," Jordan said.
"From the moment you were born I raised you for this moment," Roger said.
"What if they say no?" Jordan said.
"You don't know my parents," Roger said. "They are good people."
"See the house with the rose bush in front of the porch," Roger said. "Jimmy Z."
"Your best friend," Jordan said.
"Yeah," Roger said, "he knows things about me that I hope no one else finds out." Roger smiled broadly.
The car slowed to a stop. Roger and Jordan climbed out. The walked up to the house. Roger heaved a deep breath.
Jordan grasped Roger's shoulder. "I'm with ya, Dad."
Roger rang the doorbell.
Sandy, a tall thin woman with gray hair pulled tight in a ponytail came to the door. Her chin quivered. She opened the door wide and stepped back slowly.
Roger and Carl solemnly walked in.
"Carl!" Sandy called out toward the kitchen. "It's Roger he's home!"
She rushed to Roger and embraced him with tears.
Roger's father, Carl, stopped at the entrance to the living room.
"It's Roger," Sandy said waving her arm to beckon Carl. He rushed to Roger's arms.
"This is our grandson," Sandy said embracing him. "He looks just like you."
"It is so good to see you, my son," Carl said.
"And better for me to see you," Roger said. "Mom, you look wonderful."
"I'm old," she blurted from her joy.
"Mom," Roger laughed, "you were always old."
"Hey, Pop," Roger said. "Do you still have a fastball,"
"I haven't picked up a baseball, well it's been a long time," Carl said.
"Why didn't you call?" Sandy said.
"I, I thought there just might be an outside chance you would not want me to come."
"Your mother has always kept your room ready," Carl said.
"How long can you stay?" Sandy said.
"I can stay for a week," Roger said, "but I want Jordan, my son, to stay for the summer."
"Sure," the father said, "but that seems strange."
"Dad said he wanted me to give you back the summer he should have given you 20 years ago," Jordan said. "And I really want to."
"All is forgotten, my son," Carl said. "It was forgotten long ago."
The emotional explosion that occurred twenty years early seemed to implode in an instant to its natural state as if never detonated in the first place.


text:
A total of £18m is to be spent on the facility at Oxford University's South Parks Road science area.
The centre replaces a number of existing animal house facilities at other campuses, a spokesperson said.
But Andrew Tyler, director of Animal Aid, said the plans suggest clear implications that the total volume of animal research is to be stepped up.
University bosses say animals are only used in research programmes of the highest quality and where there are no alternatives.
It says the facility will provide animals for research into the treatment of diseases such as cancer, leukaemia and heart disease.
"The new building will bring about the closure of several animal facilities currently dispersed throughout the science area.
"Based on current profiles of research, we expect that 98% of the animals housed there will be rodents.
"Depending on other Home Office licences held, there may also be some amphibia, ferrets, fish and primates."
'Extremely depressing'
But Mr Tyler - of the campaign group at the centre of previous protests against a primate centre at Cambridgeshire University - told BBC News Online: "We certainly will be campaigning against this.
"Our protest plans have not been formulated yet but we've certainly followed this whole business.
"I think it [the centre] is a very significant step up in the animal experimentation they carry out and that is extremely depressing and retrograde.
"There are clear implications of additional capacity in the plans we've seen.
"Such experiments do not produce benefits for people, as well as the obvious problem of the animal suffering."

subset: commoncrawl


text:
the|and also|and then the|together with the|also
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text:
Father and son solve tangled flag challenge
By Pat Kumpan, Rancho Bernardo News
17, 2004
Two inventors — a father- and
son-in-law team — hope to end the frustration that many flag lovers experience
when their flags get wrapped around a flag pole — and don't fly proudly.
Bill Riordan of Rancho
Bernardo found that he was constantly unwrapping his flag, going out into his
yard several times to fix the situation.
So he turned to another flag
lover — his father-in-law, Alan Laird, who lives in Mission Viejo. Together the
duo tackled the problem.
They decided that the simple
and most obvious solution was incorporating the use of a bearing into a
cleverly designed product that would look good esthetically, yet do the job.
The flag gets attached with a
tie-wrap to the ball bearing, which is completely concealed inside a flat metal
doughnut-shaped device that fits snuggly on top of a three-fourths inch flag
Meanwhile, at the end of the
pole, a small section of ball chain attaches to the bottom of the pole to
prevent that end of the flag from getting tangled.
Riordan works at Hewlett
Packard, and Laird, now retired, was a mechanical engineer in the aerospace
industry. Together, the duo knew they could find what they hoped would be a
viable solution to a perplexing problem.
"I love tinkering with
things," Laird said. "I just knew we could come up with something that works."
They also devised a package
that makes it easy for people to install on their existing flag.
The "untangler," as the family
calls it, costs $12.95 online and all the parts are manufactured in the United
Debbie Riordan is making the
project a family affair by helping to market the product locally, but she
expects many of the orders will come from the Web site: flagfree.com.
Once the start-up company gets
going, the family will donate $2 for every kit sold to the QUAD foundation, a
recently formed charity to help survivors of quadriplegic injuries.
This new invention is being
test marketed as part of a flag accessories display at a hardware store in Mission
Viejo, Riordan said.


text:
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Will of Thomas Ryan
In re
Last will and Testament In the name of God. Amen. I Thomas Ryan of Kings Cove Bonavista Bay Newfoundland, Fisherman being of sound mind memory and understanding do hereby make this my Last Will and Testament In the first place I give and bequeath to my two Grand-daughters Agnes Ryan and Alice Ryan daughters of my deceased son William Ryan in equal shares all and singular my Dwelling House situate at Kings Cove Bonavista Bay and now occupied and rented by Mr. John G. Hart with all Gardens and Land thereunto belonging with all Stores and Erections thereon subject to the following conditions that is to say that for the term of three years (or longer if necessary) after my death the money received or earned as rent for said Dwelling House Gardens Land &c is to be retained and used by my Executors to pay any debts I may owe and for all needed and necessary repairs and up keeping of and to my said Dwelling House Stores Fences &c to keep same in tenantable condition and for my Funeral Expences and the sum of Fifty Dollars I direct to be spent for a Double Headstone to be erected in memory of my wife Ellen Ryan and of myself. I also direct that the sum of Twenty Dollars be paid to the Parish Priest of Kings Cove for the purpose of Masses for my wife Ellen Ryan and for myself the money for same and for the Headstone to be provided out of the Rent of said Dwelling House &c before mentioned.
give and bequeath to my two Grandsons James Lewis Ryan and Thomas
Ryan Sons of my deceased son William Ryan in equal parts all my Waterside Property
with store thereon situate at Kings Cove aforesaid also contents of said
store at my death I also give and bequeath to my said Grandsons my Garden
on the Hill Half to each I also give and bequeath to my said Grandsons
James Lewis Ryan and Thomas Ryan my Garden situate on the Trinity Road
one half to each. I give and bequeath to my Grand daughter Alice
Ryan my
Bed and Bedding and all and any other property I die possessed of I give
and bequeath to my Granddaughter Agnes Ryan and I hereby nominate and appoint
Messrs John G. Hart and Edward Long of Kings Cove Executors of this my
Last will and Testament and I request them to furnish my Daughter in Law
Ellen Ryan as Guardian for Agnes Ryan and Alice
Ryan an annual account
as to how Rents of said Dwelling House is disposed of.
I Thomas Ryan do hereby make the following Codicil to this my last will and testament viz: I give and bequeath to my four Grandchildren James Lewis Ryan, Thomas Ryan Agnes Ryan and Alice Ryan in equal shares all Houses Lands and effects I possess at my death revoking the previous disposal of same and I desire all other provisions of my will to be carried out Thomas his X mark Ryan Signed by the said Thomas Ryan the Testator by mark in our presence this Codicil being clearly and distinctly read over and explained who in his presence and in the presence of each other at the same time subscribe our names as witnesses on the seventeenth day of January in the year of Our Lord one thousand nine hundred and six Edward Long Mail Courier John Aylward. Fisherman
Certified correct,
(Listed in the margin next to this will the following)
Page Contributed by Judy Benson & Ivy F. Benoit
Page Revised by Ivy F. Benoit (Wednesday February 20, 2013)
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No part of this project may be reproduced in any form
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text:
Recession Exit Evidence Of Hard Work, Commitment – Presidency
By Jonathan Nda-Isaiah, Bayo Amodu, Ahuraka Isah, Mark Itsibor, Abuja And Chika Izuora, Kayode Tokede, Olushola Bello, Lagos
The presidency has described news of the country wriggling out of recession as an indication that the President Muhammadu Buhari administration is working for progress and prosperity of the masses.
The National Bureau of Statistics (NBS) broke the news yesterday when it disclosed that the Nigerian Economy has finally come out of recession.
According to the Bureau, the nation's Gross Domestic Product (GDP) gained 0.05 per cent in second quarter of 2017 (Q2 2017) after contracting for five consecutive quarters.
Special adviser to the president on media and publicity, Mr. Femi Adesina, who stated the presidency's position on the economic recovery, noted that it was indicative of a government that absorbed the welfare and wellbeing of the citizens.
Speaking at a rally for the federal government organised by the Centre for Civil Society and Justice in Abuja yesterday, Adesina said, "You have chosen a very auspicious day for this solidarity rally. Earlier today, we were told that Nigeria had officially exited recession.
"It shows that we have a government that is working for us, we have a government that is interested in our welfare, we have a government that is interested in our well-being.
"Recession came due to some mistakes of the past and in just about a year, the government battled it and today we are officially out of recession and we give all glory to God".
Ordinary Nigerians Will Feel the Impact – PMB
Meanwhile, an excited President Buhari yesterday in Daura, Katsina State, said the real impact of coming out recession will be better felt when ordinary Nigerians experience a change in their living conditions.
Speaking when he hosted the visiting president of Niger Republic Alhaji Mahamadou Issoufou, Buhari told journalists that, while he was "very happy'' to hear that the country was finally out of recession, the real gain should be improved conditions for Nigerians.
Responding to questions from journalists, the President said, "Certainly, I should be happy for what it is worth. I am looking forward to ensuring that the ordinary Nigerian feels the impact".
Buhari commended managers of the country's economy for their hard work and commitment, stressing that more work needs to be done to improve the growth rate.
"Until coming out of recession translates into meaningful improvement in peoples' lives, our work cannot be said to be done", he said.
In his remarks, the Nigerien president said he was most delighted to see President Buhari in good health and prayed that the almighty God would continue to strengthen him.
Issoufou said he used the opportunity of the visit to discuss some bilateral and regional issues with President Buhari, including the fight against Boko Haram, the economic challenges in the Lake Chad Basin and other developmental concerns that directly affect the livelihood of the citizens of both countries.
The Nigerien president was accompanied on the visit by a former Prime Minister, Dr.Hamid Algabid, and the president of the Economic, Social and Cultural Council of Niger, Moussa Moumouni Djermakoye.
We're Still Worried Over Unemployment, Rising Food Prices – Senate
But the Senate yesterday called on the executive arm of government to adopt the needed measures to curtail the rising wave of unemployment and food prices in order to stem the high cost of living in the country as a matter of urgent necessity.
While applauding the report by the NBS that Nigeria's economy has finally staged a comeback, the Red Chamber urged the federal government to put in place such measures as retooling agriculture, access to credit to promote more opportunities for small business owners to combat the two serious economic debacles.
In a statement signed by its spokesperson and chairman of the Senate Committee on media and public affairs, Senator Aliyu Sabi Abdullahi, the Senate emphasized that it was truly commendable that after five consecutive quarters of contraction, the Nigerian economy grew by 0.55% in the second quarter of 2017.
Abdullahi noted that although the nation is now out of recession, the Senate remains committed to seeing that the unemployment rate and high cost of living in the country is brought down.
His words: "The rising unemployment in the country is an issue that is of much concern to all of us. Additionally, the rising cost of food prices and basic services in the country still affects millions of households.
"This is why we will continue to work on our laws, specifically in the areas of access to credit to promote more opportunities for small business owners; and opening up more sectors to private sector participation, so that there will be more competition in our markets — which will lead to lower prices."
Abdullahi noted further that the improved performance of the trade, manufacturing, agriculture and oil sectors was an indication that with carefully aligned policy and legislative interventions, Nigeria's economy could thrive beyond current forecasts and expectations.
He stated: "The Senate received Q2 NBS economic report with great excitement," adding "We are delighted that government's response to the economic recession has begun to yield tangible results.
"The public will recall that in the days following the announcement of the 2016 recession, the Senate initiated steps and tabled 21 recommendations that it submitted to the executive for immediate action. We also listed out economic priority Bills, many of which have now been passed, or at the final stage.
"We are also happy to note that many of the economic recommendations, specifically in the areas of retooling our agriculture and trade policies were adopted. This shows that the 'all hands on deck' approach was necessary from both branches of government".
Also, Speaker of the House of Representatives, Yakubu Dogara, expressed happiness over the latest report released by the NBS, indicating that Nigeria has finally exited recession.
In a statement issued by his special adviser on media and public affairs, Turaki Hassan, the Speaker said the House of Representatives is gladdened by the goodness of the performance of the economy in the last quarter.
He said this positive result is an indication that the economic policies of the APC administration are on track and that the task ahead is sustained efforts by both the executive and the legislature in fast tracking program implementation for even more rapid economic growth and development.
"We must now channel our energies towards measured aimed at job creation for the millions of our people, address the widening socio-economic inequalities and creating opportunities for all Nigerians", he added.
Oil, Agric, Manufacturing, Trade Sectors Record Improved Performances
According to NBS report on 'Nigerian Gross Domestic Product (GDP) released yesterday, the Q2 2017 growth rate of 0.55 per cent (year-on-year) was 2.04 per cent higher than the rate recorded in the corresponding quarter of 2016 (-1.49per cent) and higher by 1.46 per cent points from rate recorded in the preceding quarter, which was revised to –0.91 per cent from –0.52per cent due to revisions to crude output for March 2017.
The report by NBS disclosed that Nigeria's economy getting out of recession was driven principally by the performance of four main economic activities comprising oil sector, agriculture sector, manufacturing sector and trade.
The results stated that Oil GDP recovered significantly from -11.63 per cent in Q2 2016 and -15.40 per cent in Q1 2017 to 1.64 per cent in Q2 2017.
But while Oil GDP expanded considerably in the second quarter of 2017, Non-oil GDP only grew at 0.45 per cent, down from 0.72 per cent in the preceding quarter and -0.38 in the corresponding period in 2016.
It also showed that agriculture continued its strong and positive growth, which it had maintained throughout the recession, growing by 3.01 per cent in Q2 2017, from 3.39 per cent in Q1 2017 and 4.53 per cent in Q2 2016.
Manufacturing retained its positive growth for the second consecutive quarter in Q2 2017, growing at 0.64 per cent compared to 1.36 per cent in Q1 2017 and -3.36 per cent in Q2 2016, while trade which has a dominant share of GDP remained negative at -1.62 per cent, but the contraction in the sector decelerated from the -3.08 per cent recorded in Q1 2017.
The bureau report hinted that electricity, gas and financial institutions sectors also recorded strong growths, with electricity and gas growing by 35.5 per cent, compared to -5.04 per cent in Q1 2017 and -10.46 per cent in Q2 2016 and financial institutions growing by 11.78 per cent in Q2 2017, compared to 0.60 per cent in Q1 2017 and -13.24 per cent in Q2 2016.
The results also showed that the industry sector grew positively by 1.45 per cent in Q2 2017, after nine consecutive quarters of negative growth since Q4 2014.
The report noted: "As a percentage of GDP, services retained the giant share of GDP at 53.73 per cent in Q2 2017, down by 1.94 per cent points (55.67 per cent) from the first quarter of 2017 and 54.80 per cent in Q2 2016; industries accounted for 23.31 per cent of GDP, compared to 22.90 recorded in Q1 2017 and 22.65 per cent in Q1 2016; while agriculture accounted for 22.97 per cent of GDP in the quarter under review, compared to 21.43 per cent in Q1 2017 and 22.55 per cent in Q2 2016.
"Foreign trade has also contributed to improving economic conditions with exports amounting to N3.1 trillion in Q2 2017 while imports which increased by 13.5per cent amounted to N2.5 trillion in the same period. The overall trade balance thus remained positive at N0.60 trillion".
The nation's economy of recent has benefited from the stability in global price and stability in oil production following federal government's negotiations with the Niger-Delta militants.
The stability in global oil prices has aided Central Bank of Nigeria (CBN) in the intervention in the foreign exchange, while the external reserves are on high at $31.8billion as at August 29, 2017.
The economic adviser to the president, Dr. Adeyemi Dipeolu, has said that the end of the recession is welcome but economic growth remains fragile and vulnerable to exogenous shocks.
He pointed out that the federal government will intensify its efforts going forward on the implementation of the Economic Recovery and Growth Plan 2017-2020 (ERGP) that is designed to achieve sustained economic growth and diversification of the nation's economy.
In a statement he issued yesterday, Dipeolu said, "Unemployment however remains relatively high but job creation is expected to improve as businesses and employers increasingly respond more positively to the significantly improving business environment and favorable economic outlook.
"Besides, as key sectoral reforms in both oil and non-oil sectors gain traction, the successful implementation of ERGP initiatives such as N-Power and the social housing scheme will boost job creation.
"Food inflation also bears watching as it has remained quite high and volatile due mostly to high transport costs and seasonal factors such as the planting season. Investments in road and rail infrastructures, increased supply and availability of fertilizers and improvements in the business environment should contribute to the easing of food prices.
"Overall, the end of the recession is welcome but economic growth remains fragile and vulnerable to exogenous shocks or policy slippages".
Experts Outline Ways For More Robust Growth
Meanwhile, economic experts have suggested ways of achieving more robust growth in the nation's economy.
Speaking with LEADERSHIP yesterday, an Economist, Prof. Uche Uwaleke, said exiting recession is a welcome development but federal government must diversify the economy and improve on its tax generation going forward.
He said, "The growth in GDP is cheering news because for five consecutive quarters, Nigeria's GDP has been at negative tertiary. Now that we are technically out of recession, it will boost confidence in the nation's economy.
"A number of foreign investors are interested in what is happening in the country and a further decline in GDP will damage their moral of investing the Nigeria's economy.
"Federal government needs to work on diversification of the economy so that we don't over depend on Oil and Gas sector. The government must sustain its policies in agriculture sector and CBN's must sustain its foreign exchange intervention".
Also, the Managing Director, Cowry Asset Management Limited, Mr. Johnson Chukwu, said federal government must sustained oil production and grow non-sector.
He urged government to invest in infrastructure and reduce interest rate to the real sector of the nation's economy.
A renowned economic expert, Ayo Teriba, while speaking with our correspondent on the NBS report yesterday said, "This recovery is the result of improvement in oil price and oil production. If any of the two falls, we will be back to square zero. The recovery is dependent on the oil price staying where it is, and the oil production also staying where it is or even getting better. So, it rests squarely on sustenance of oil sector activities.
"If you wanted to be sure of the recovery that is sustainable regardless of what happens to oil, then, Nigeria has to do a bit of what Saudi Arabia is doing. They are in the same situation with Nigeria. And they know that oil is very reliable for growth and stability. In May, they announced the privatization of about 16 of their sectors, which they believe will give them 200 billion U.S Dollars.
"For you to be sure that the recovery will be sustained and your growth will be steady, Nigeria also needs to open up to foreign investment and build up foreign exchange buffers. Then, the economy will not be dependent on whether the oil price is low or high or whether the oil production is low or not".
On his part, Chief Responsibility Officer of Value Investing Limited, Seye Adetunmbi said while the development is a good news, it is "not yet uhuru".
Adetunmbi said it is good news because it will give people psychological relief that Nigeria is no longer in recession and perhaps give people some rays of hope that things are looking up.
He however said, "It is not yet uhuru because it has not translated to more employment opportunities nor reduced the level of unemployment in Nigeria. The problems of inflation, high cost of living and standard of living are still with us to mention a few.
Asked what lessons should be learnt from the development, the economic expert noted that being out of recession shows a recorded growth in some economic indicators consistently for the past successive periods under review as computed by the NBS.
"By implication, for as long as the economic indicators don't add up through fiscal indiscipline and without deliberate efforts to grow the economy consistently, the good news can be reversed", he added.
In his comments, Dr Diran Fawibe, Chairman/CEO of International Energy Services (IES) Ltd, said the contribution of the oil and gas sector to the economy has been significant and over time has been the major source of foreign exchange revenue to government.
Fawibe noted that Nigeria's petroleum industry which is the largest in Africa with proven Oil and Gas reserves of 37 billion barrels (bbl) and 192 trillion cubic feet respectively and contributing about 10 per cent to the country's Gross Domestic Product also accounting for 95 per cent of all exports, if well managed, will rapidly balanced the economy.
According to him, the stability in the sector over the past one year when the country entered into recession provided the needed income that has enable government meet some of its obligations.
"We see some positive trends happening in the industry as there was relative peace in the Niger Delta region. That stability helped in boosting local production which figures put at an average of 2 million barrels a day as against 1 million barrels a day at the early stage of the recession", he stated.
Also, in his contribution, Mr. Adedayo Ojo, an energy analyst and acting managing director and CEO of Proxima Energy said the stability in the exchange rate occasioned by government earnings from improved oil production boosted investors' confidence.
Ojo also noted that restoration of major and key oil installations in the Niger Delta helped to boost oil production and in turn lifted overall government earnings, even as he said the bringing back to full functionality of the Forcados export facility boosted export potential in the sector.
The director-general of Lagos Chamber of Commerce and Industry (LCCI), Mr. Muda Yusuf said, "This is a good development for the country. It has a positive signaling effect and it will also have a positive effect on the perception of the economy especially by foreign investors as this will boost the country's image."
Also, the managing director of Highcap Securities Limited, Mr. David Adnori said, "This is a positive development although we have anticipated it, it is a welcome development."
He however noted that the only challenge is the inflation rate still in double digit, saying government needs to work on the inflation rate should come to single digit.
An economist analyst and a stockbroker, Tunde Oyediran, stated that the NBS' data showed that there is improved performances in agricultural and manufacturing sector in the second quarter.
"The prospects for more robust growth are bright. I hope the current economic diversification efforts which see efforts being given to agriculture and mining will be sustained", he noted.
In a release sent to media yesterday by the senior special assistant to the president on media and publicity, Laolu Akande said, "Buhari administration welcomes news of Nigeria's exit from recession with cautious optimism and will continue to drive Nigeria's economic growth by vigorously implementing the Economic Recovery and Growth Plan launched earlier this year by President Muhammadu Buhari."
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text:
Ross Garcia, CDLP
Ross Garcia currently serves as Managing Partner & Broker at PREI Capital Group, DBA Divorce Mortgage Advisors. Ross also serves as Co-Founder of Survive Divorce .
Ross is a mortgage pundit with an extensive network of bank lending relationships. He has a high proficiency for mortgage underwriting guidelines, specifically relating to divorce mortgage transactions. This skill - coupled with his lender relationships - affords Ross' clients the highest rate of success when applying for a mortgage whether before, or after divorce.
Prior to joining PREI, Ross served as a Private Mortgage Banker with the Wells Fargo Private Bank located in Beverly Hills, CA. During his tenure with the Private Bank from 2011-2015, he contributed to the origination of over $400 million in residential mortgage financing. In 2010, as part of the retail banking division, Ross was selected to a leadership team responsible for overseeing and implementing the east coast conversion of Wachovia retail locations following the merger between the two banks.
Ross has earned a unique designation as a Certified Divorce Lending Professional (CDLP). He is well versed in navigating complex divorce scenarios which require specifically structured financing and a high-level of expertise. He has been involved in hundreds of divorce financing cases and is often called upon to serve as a valuable resource for Family Law Attorneys and Finance Professionals as they evaluate their clients divorce settlement options.
Ross' strong relationships with lenders, coupled with his expertise in divorce, translates into negotiating leverage in securing loan approvals for his clients.
Ross has been selected as a Member of the Forbes Finance Council - an invite only group of Finance Executives considered to be Thought Leaders in their respective fields. He earned a Bachelor's Degree in Business Economics from the University of California, Santa Barbara.
In his free time, Ross is an avid sports fan, fitness enthusiast, and the proud father of two young boys.
Jason Crowley, CFA, CFP®, CDFA®
As Co-Founder & Advisor at Divorce Mortgage Advisors, Jason Crowley works with our clients and their attorneys to formulate creative strategies to complicated settlement issues. His primary focus is providing guidance on structuring agreements so our clients can achieve their mortgage financing objectives. His expertise facilitating the division of complex assets such as stock options, business and venture capital interests, and real estate investments enables us to bring a unique approach to divorce lending. In addition, Jason oversees the business development and strategic growth initiatives of our company.
A nationally recognized expert in divorce financial planning, Jason is a highly sought after speaker on financial and tax issues in divorce. He has the distinction of being one of the select few financial professionals to hold the Chartered Financial Analyst (CFA), Certified Financial Planner (CFP), and Certified Divorce Financial Analyst (CDFA) credentials. Mr. Crowley has testified as an expert witness on divorce financial issues. Jason has extensive training in family law specific Mediation and Collaborative Divorce, and he is an active member in a number of professional associations including the Association of Divorce Financial Planners and Institute for Divorce Financial Analysts. Notably, Jason was selected as a member of the prestigious Forbes Finance Council and was the former president of Collaborative Practice San Mateo County (CPSMC).
Jason also serves as Managing Partner at Divorce Capital Planning, which specializes in divorce financial planning and analysis, and founder of Survive Divorce. He began his professional career as a financial analyst at Commerce Capital Group, a boutique investment banking firm specializing in mergers and acquisitions (M&A) advisory services.
Jason earned a bachelor's degree in Business Economics and Accounting from the University of California, Santa Barbara, where he graduated summa cum laude. He also holds the Financial Industry Regulatory (FINRA) Series 7 and 66 licenses.
Jay Garcia
Jay has been an active real estate broker since 1981. Early in this career, he was involved in formulating real estate partnerships that acquired apartment buildings in Northern CA. In 1991, he founded PREI Capital Group to meet the challenges of client's mortgage financing needs.
Since the inception of PREI Capital Group, he has established steadfast relationships with many banks and conventional lending institutions. These relationships have afforded his company the ability to fund in excess of $1 billion in residential financing and close over 3,000 transactions. All of his loans are generated through a 100% referral base.
Jay is especially known for his unrivaled knowledge of the nuances of mortgage financing as he has watched the lending market evolve over the past 30+ years. During this time, he has also originated an abundance of divorce loans and has developed strong relationships with Family Law Professionals throughout the entire Bay Area.
Jay holds a Bachelor's Degree in Business Administration from the University of San Francisco, class of 1978.


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Wednesday, January 28, 2015
YA Guy Has... 5 Requests for Non-Writers!
6 comments:
I think because people who don't write or who don't write geared toward publication don't know anything about the industry, they don't know what to ask. I've had people ask when my book is being published and I don't have a publisher. They don't understand the difference between an agent and publisher (though a Jerry McGuire reference has proved helpful).ReplyDelete
Sometimes, I think it's more a matter of a polite way to ask, but they aren't really interested in the answer. I had one well-meaning friend, who after she asked how my writing was going and I expressed a challenge, responded, "well, at least it's only a hobby." In my head,I know she meant well, but I still told her it stopped being a hobby when I signed a contract with a literary agency. It is now a second job. People just don't know because they don't live in our tiny but wonderful book world :)
Ah yes, "How's the book doing?" is the first thing everyone asks. Everyone. I have given up trying to explain that I don't know. I just say, "Good." And they're satisfied.ReplyDelete
I never knew what to say when people ask me, "What's up?" What IS up? So, at least "How's the book doing?" is something I can answer, even if not honestly.
This post nails exactly how I feel. These are the same things I'm dealing with right now.ReplyDelete


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Podcast: Play in new window | Download
There was a time in America when some people were treated as property, forced to do whatever other people wanted, abused without any ability to respond, and unable to obtain their freedom. Such behavior was legal and considered appropriate by the people practicing it.
When we look at the people who exhibited that behavior we think with repulsion, "What could they possibly have been thinking?"
I'm not referring to slavery 150 years ago. I'm referring to the abuse heaped upon millions of children daily by well-meaning parents who don't realize the long-term damage being done by spanking and other forms of punishment.
Corporal Punishment Doesn't Work
Research has shown that corporal (physical) punishment not only doesn't stop the behavior it was intended to stop, it produces a host of negative consequences. These studies have linked corporal punishment to adverse physical, psychological and educational outcomes.
Researcher Elizabeth Gershoff, Ph.D., in a 2002 meta-analytic study that combined 60 years of research on corporal punishment, found that the only positive outcome of corporal punishment was immediate compliance; however, corporal punishment was associated with less long-term compliance. Corporal punishment was linked with nine other negative outcomes, including increased rates of aggression, delinquency, mental health problems, problems in relationships with their parents, and likelihood of being physically abused.
Time recently described a new study published in Pediatrics that confirms the results of many earlier studies, "As five-year-olds, the children who had been spanked were more likely than the non-spanked to be defiant, demand immediate satisfaction of their wants and needs, become frustrated easily, have temper tantrums and lash out physically against other people or animals." (Emphasis added.)
We've discovered from our work with over 13,000 clients that most self-esteem beliefs are formed from interactions with parents during the first six years of life. Spanking produces the dysfunctional behavior described in the studies quoted above because it leads to such beliefs as: I'm powerless. I'm bad. I deserve to be punished. There's something wrong with me. The way to be safe is to have power over others. Violence is an acceptable way to handle disagreements. The way to keep from being punished is to not get caught. I'm not good enough.
Despite all the evidence showing the negative consequences of spanking, many people still argue that it is a useful and appropriate tool for parents. One such person is Dr. James Dobson, a psychologist who Time called "the nation's most influential evangelical leader." He argues "[P]ain is a marvelous purifier. . . It is not necessary to beat the child into submission; a little bit of pain goes a long way for a young child. However, the spanking should be of sufficient magnitude to cause the child to cry genuinely." (Emphasis added.) (From his book, Dare to Discipline, pages 6 and 7.)
Answering the question: "I have spanked my children for their disobedience, and it didn't seem to help. Does this approach fail with some children?", Dobson replied:
"The spanking may be too gentle. If it doesn't hurt, it doesn't motivate a child to avoid the consequence next time. A slap with the hand on the bottom of a multi-diapered thirty-month-old is not a deterrent to anything. Be sure the child gets the message — while being careful not to go too far." (Emphasis added.) (Complete Marriage and Family Home Reference Guide)
Now you may be thinking, I don't spank my child and I don't know any parents who do; it isn't really that common anymore. In fact, it is a lot more common than you might imagine. According to the Center for Effective Discipline, in the 2006-2007 school year, 223,190 school children in the U.S. were subjected to physical punishment. A recent survey in the UK showed that seven out of 10 parents used corporal punishment on their children.
Yelling Also Can Be Abusive
But that's only half the story. A lot of people who would never physically abuse their children abuse them emotionally on a regular basis. Such people can grasp the brutality of hitting a defenseless child, but think nothing of screaming at their child, uttering such common phrases as: "What's wrong with you?" "Are you stupid?" "How many times do I have to tell you? Don't you understand English?" "If you were a good child you'd obey me."
Our work with clients also has showed us that such emotional abuse often leads to as many negative beliefs about ourselves as physical abuse, including many of the same beliefs that spanking produces, plus I'm not capable, I'm not competent. Mistakes are bad. I'm not loveable. I'm not worthy. I'm inadequate.
There's an important distinction to be made here: Physical and emotional abuse, as painful as it might be in the moment, has no long-term consequences. But the abuse inevitably leads children to form negative beliefs about themselves and life, that in turn lead to a wide variety of behavioral and emotional problems for the rest of their lives. (Thousands of clients have stopped their chronic anxiety, eating disorders, needing the approval of others, lack of confidence, etc. by eliminating the childhood beliefs that cause such debilitating problems.)
Why do we hit or yell at our children? The answer most parents probably would give is "Nothing else seems to get my children to listen." Would you hit or yell at your friends who frustrated you because they wouldn't listen to your advice? And if that's not appropriate, what makes it okay to do it to defenseless children?
Shouldn't Children Be Disciplined If They Don't Obey?
Think of a time when you were disciplined by your parents. … Did you think: I'll never do that again, or did you think: I'll make sure I never get caught doing that again. … Did you learn anything from the punishment other than to make sure you don't get caught? … Did it instill a moral sense of right and wrong and the desire to do what's right, or were you just angry with your parents? …
rch has shown that spanking and browbeating sometimes can work to produce immediately compliance, but there is no learning involved. If they really worked to permanently change behavior you'd only have to use them once or perhaps a few times. It's weird to me that parents justify hitting and yelling as a way to get their children to listen, and then keep doing it over and over because their children don't listen! That reminds me of the old saying: Insanity consists of doing the same thing over and over expecting to get a different result.
Do We Really "Own" Our Children?
Many parents feel they are legally and morally justified in forcing their children to do whatever they arbitrarily decide they want their children to do, just because they are the parents. They hate the question "why?" because they usually don't have an answer. If their children disobey, it's okay for them to punish their children until they "cry." Their justification: "How can we possibly get our kids to do what we want if we can't spank them or yell at them?"
If a master's absolute dominion over his slaves was justified by the argument that the slaves were "owned" by their masters, isn't that the implicit argument that justifies punishing children? (Obviously, parents don't consciously think that about their children, but think about it for a moment, isn't that the implicit assumption out of which most parents operate? Don't they think: "Who are you to tell me how to parent? They are 'my' children.")
If we ever are going to raise a generation of children who don't have the negative beliefs and day-to-day problems so many of us have today, the first thing we are going to have to do is realize that physical and even emotional abuse results in lasting damage. Not the actual abuse itself, which is over in a few minutes. But the meaning children give that abuse results in crippling beliefs that stay with them and cause them suffering for the rest of their lives.
This post is not meant to make parents feel guilty who didn't realize the consequences of their behavior or who just don't have any effective parenting skills. It is meant to destroy, once and for all, the idea that parents "own" their children and have the right to spank or scream at them for disobeying.
Please help get this post into the hands of as many parents as possible. Let's do whatever we can to hasten the day when everyone looks back at these early 21st century parenting practices in America and says: "What could they possibly have been thinking?"
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The US government is finally telling people that homeopathy is a sham
by Julia Belluz | @juliaoftoronto via Vox
Homeopathy is one of the most enduring forms of snake oil available to consumers; it has been duping people since 1814. But the United States government only recently decided to clamp down on these bogus treatments, with a new policy from the Federal Trade Commission.
The FTC's policy statement explains that the agency will now ask that the makers of homeopathic drugs present reliable scientific evidence for their health claims if they want to sell them to consumers on the US market.
Mustering that evidence is likely to be difficult given that homeopathy is a pseudoscience.
The main idea behind homeopathy is that an animal or plant extract that causes symptoms similar to the ones a person is suffering from can cure the symptoms. An example: Because onions make eyes tear and noses run, diluted onion extract is thought to cure cold and hay fever. So homeopathic remedies on the market are just extremely diluted versions of plant or animal extracts believed to bring relief to symptoms.
The trouble is that whenever researchers have looked at the homeopathic treatments, they find they do not actually contain traceable amounts of the original plant or animal material they were supposedly diluting.
Continue Reading @ Vox – – –
Homeopathic medicine: What's the potential harm?
By Emiliano Tatar, MD via philly.com
Unfortunately, it is essentially nothing more than distilled water and its use as a replacement for conventional medicine can, in some cases, be dangerous and even fatal. Last March, Hope Delozier, an 18-month-old Pennsylvania resident developed an ear infection. Her parents, who avoid conventional medical practices, tried to treat her with Homeopathic remedies. Hope soon died after the infection spread to her brain. Most tragically, this was completely preventable with inexpensive antibiotics.
The practice of homeopathy has been around since the early 19th century (invented by Samuel Hahnneman). It relies on several basic tenets. The two most important ones are "like cures like" and "potentiation." Like-cures-like is the idea that, for example, if I eat plant X and it makes me feel warmth, then the plant has a substance that can cure a fever. Potentiation is the idea that the more dilute a substance is the more powerful it becomes medically. There is no other place in modern science where these principles are accepted except for in homeopathy. There is no reason to believe that "like cures like" and the idea of ultra-dilution making something more powerful flies completely against the laws of physics and chemistry.
The results are in – homeopathy is water
By The Original Skeptical Raptor via Skeptical Raptor
I intensely dislike all forms of medical quackery. Of course, my passionate, full-throated, defense of the scientific consensus on the safety and effectiveness of vaccines is fairly obvious. There are literally mountains of evidence that support my skepticism of the antivaccine beliefs.
But there's more junk medicine out there than the pseudoscience pushers running around the vaccine world. One of my favorite ones is homeopathy. It is a scam that tries to convince people that a vial of nothing more than water (and sometimes ethanol) has some magical medical properties. And it's expensive water, much more expensive than some bottled water that claims it's bottled at the source of some glacier in the Alps.
What is homeopathy?
But let's back up a bit, and explain the "science" of homeopathy, because a lot of people, mostly Americans, conflate homeopathy with natural medicine, like herbal medicine. It isn't. Basically, homeopathy, known as the "law of similars", relies on belief that "let like be cured by like", and is a term coined by Samuel Hahnemann, a German physician who was appalled by the state of medicine at the time, the late 1700's. And frankly, the state of medicine at that time was pretty bad, so any new idea might have been worthy of trying. However, when Hanneman was alive, basic scientific knowledge was missing. Cell theory and germ theory were a few decades from even a basic understanding.
Homeopathic potions are prepared by serially diluting the original substance (could be anything from diseased tissue to arsenic to snake venom plus mercury) with shaking and forceful striking on an elastic body, which they term succussion. Each dilution followed by succussion is assumed to increase the effectiveness. Homeopaths call this process potentization. So far, it's just merely diluting and shaking, so nothing much there. But the level of dilution is such that there is only a tiny possibility of any molecule of the original substance showing up in solution.
The dilution is precisely described by Hahnemann. The first dilution is one part to 99 parts water. Then, one part of that first dilution is then diluted in another 99 parts water. Each of these dilutions is called 1C, so two dilutions would be called 2C, with one part of the original similar diluted in approximately 10,000 parts water.
But it doesn't stop there. Homeopathy uses >30C dilutions, which means that the final dilution is simply water with an almost 0% probability of including even 1 molecule of the original similar.
Healing the ocean with syphilis
by Gordon Bonnet via Skeptophilia
I think the homeopaths have reached some kind of Derp-vana this week with the announcement by British practitioner Grace DaSilva-Hill that we need to administer homeopathic preparations…
… to the ocean.
I'm not making this up. In a story broken by Andy Lewis on Quackometer, we find out that DaSilva-Hill is lamenting the state of the world's oceans, a sentiment with which I have to agree. But what she proposes to do about it is to treat it with homeopathic "remedies:"
Thanks in advance to all of you who have already agreed to participate in this initiative of sending a homeopathic remedy to heal the oceans.
The remedy that has been selected is Leuticum (Syph) in the CM potency.
Just mix one or two drops in some water and offer it to the ocean wherever you happen to be, on 21 November, with pure love and intention… If you live close to a river that can be done, too, or even just send the remedy down the toilet wherever you happen to be.
Well, I can't argue with the value of flushing homeopathic "remedies" down the toilet. In my opinion, that should be done right at the factory where they're manufactured.
And what is "Leuticum," you may be wondering? According to a homeopathy website, Leuticum is a "nosode" — a "remedy" made from diluted bodily discharges. And if you're not sufficiently disgusted yet, the bodily discharge involved in Leuticum is infected material from someone with syphilis.
Oh, but wait! Leuticum is good stuff! According to the site . . .


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The Liturgy Planner Online | home
The Liturgy Planner Online | Information about The Liturgy Planner Magazine | Order Form | Codes used in planning guide | Contact Us | July 22, 2001, 16th Sunday OT | July 29, 2001, 17th Sunday OT | August 5, 2001, 18th Sunday OT | August 12, 2001, 19th Sunday OT | Assumption | August 19, 2001, 20th Sunday OT | August 26, 2001, 21st Sunday OT | September 2, 2001, 22nd Sunday OT | September 9, 2001, 23rd Sunday OT | September 16, 2001, 24th Sunday OT | September 23, 2001, 25th Sunday OT | September 30, 2001, 26th Sunday OT | October 7, 2001, 27th Sunday OT | October 14, 2001, 28th Sunday OT | October 21, 2001, 29th Sunday OT | October 28 , 2001, 30th Sunday OT | All Saints | November 4, 2001, 31st Sunday OT | November 11, 2001, 32nd Sunday OT | November 18, 2001, 33rd Sunday OT | November 25, 2001, 34th Sunday OT
September 16, 2001, 24th Sunday OT
Rehearsal Time_______________Presider____________________________________
Additional Notes:_________________________________________________________
Gathering Song _________________________________________________________
Introductory Rite_________________________________________________________
Kyrie _________________________________________________________________
Glory to God ____________________________________________________________
First Reading ___________________________________________________________
Responsorial Psalm______________________________________________________
Second Reading _________________________________________________________
Gospel Acclamation ______________________________________________________
Gospel ________________________________________________________________
General Intercessions _____________________________________________________
Preparation of the Gifts ___________________________________________________
Holy __________________________________________________________________
Memorial Acclamation ____________________________________________________
Great Amen ____________________________________________________________
Lamb of God ___________________________________________________________
Communion Song ________________________________________________________
Song of Praise __________________________________________________________
Dismissal ______________________________________________________________
Closing Song ___________________________________________________________
Ex. 32: 7-11, 13-14 The Lord relented and did not send the evil he had threatened.
The Lord told Moses to go down, because his people had turned to idolatry. God revealed that his wrath would destroy them. Moses beseeched the Lord to remember his covenant with Abraham, Isaac and Jacob, and God relents.
Ps. 51 "I will leave this place and go to my father."
1 Tim. 1: 12-17 "Christ came to save sinners."
2 Cor. 5: 19 "God was in Christ, to reconcile the world to himself; and the Good News of reconciliation he has entrusted to us."
GOSPEL: Lk. 15: 1-32
"There will be joy in heaven over one sinner who does penance."
Through the parables of the prodigal son, the lost lamb, and the woman who lost a coin, Jesus teaches of the joy experienced in heaven over the return of the wayward soul.
FOCUS: God wills that those who have wandered away should return, for God's mercy and compassion is without fathom.
REFLECTION: "If thou wish to reach the prefection of love, it befits thee to set thy life in order."
St. Catherine of Siena
"The Lord sees your need and your efforts, and will give you a helping hand... No support can be better than His. The greatest danger lies in the soul thinking that it can find this help within itself; then it will lose everything. Evil will dominate it again, eclipsing the light that as yet flickers but weakly in the soul, and it will extinguish the small flame which is still scarcely burning. The soul should realize how powerless it is alone; therefore, expecting nothing of itself, let it fall down in humility before God, and in its own heart recognize itself to be nothing. Then grace-which is all-powerful-will, out of this nothing, create in it everything. He who in total humility puts himself in the hand of the merciful God, attracts the Lord to himself, and becomes strong in His strength. Although expecting everything from God and nothing from ourselves, we must nevertheless force ourselves to action, exerting all our strength, so as to create something to which the divine help may come, and which the divine power may encompass. Grace is already present within us, but it will only act after man has himself acted, filling his powerlessness with its own power. Establish yourself, therefore, firmly in the humble sacrifice of your will to God, and then take action without any irresolution or half-heartedness ." Theophane the Recluse
APPLYING THE READINGS TO THE LITURGY: Introduce the liturgy by raising the question, "How often do we identify with the second son, the one who wanted to limit the father's compassion?" God's love is extraordinary and unlike ours, and knows no limits.
Penitential rite: Third form with fourth set of sample invocations
General Intercessions-
Introduction: My sisters and brothers, let us turn our prayers to God whose love and mercy are infinite:
· That Christians everywhere may be responsive to the word of God and compassionate to God's creation;
· That people everywhere who hunger for justice find peace in God's mercy;
· That all who have grown complacent in faith may turn to God again and be reconciled as bearers of the gospel,
· That our community and families who welcome Christ into their lives, learn to receive him in all peoples throughout the world.
Preface: Sixth for Sundays in Ordinary Time
Lord's Prayer: Third suggested introduction
Prayers over the People: Second
Faith Formation
· What relationship do you see
between the first reading and the
· Is the parable of the prodigal son
hard for you to accept?
· Who do you identify with in
today's gospel?
Custom at the time of Jesus dictated that this acceptance by the father of the wayward son would have been unthinkable. The father would have written off the son, never to associate with him again. This parable must have shocked many.
· How do we put limits on what we think God should do?
· Can we accept a totally merciful God?
· Can you be totally merciful?
Children's Liturgy of the Word
The poem "The Hound of Heaven' by Francis Thompson is an account of his flight from God and God's loving, relentless pursuit. God is imagined as a big faithful hound, chasing us through the corridors of time. This hound wants to play with us, and be with us always. Using this image make the comparison between this hound and the father of the prodigal son in today's gospel.
· What does this say about how we should treat others?
All Who Hunger GC. RS
City of God (Schutte) ACH, BB/MI, GC, GP, GPCOMP, GTR, JS, RS, WW, WC
Christ Is Made the Sure Foundation BB/MI, 542 CBW II, 485 CVH, WCH, 343 WOV, 617 WP
King of Every Nation BB/MI
Keep in Mind (Deiss) BB/MI, 69 PMB, WCH
Come Home (Landry) 40 GPCOMP
Come, Our Almighty King 307 CVH, 114 PMB, 143 WCH
Father Almighty (Walsh) BB/MI
Gather Us In (Haugen) BB/MI, 624 CVH, 78 GPCOMP, 311 GTR, WCH, GC, RS, 665 WP
God of Our Fathers 660 CVH, 124 PMB, WCH, 764 WP
God of Peace (Willcock) BB/MI, GP2
I Long for You (Dameans) 204 GP, 105 GPCOMP
I, the Lord (Kendzia) 109 GPCOMP
Immortal, Invisible, God Only Wise BB/MI, CVH, 118 PMB, WCH, 512 WP
Lift Up Your Hearts (O'Connor) BB/MI, 214 GP, 142 GPCOMP, 231 GTR, GC, RS
Mighty Lord (Foley) 120 GP, 162 GPCOMP
Rejoice, People Gathered This Day (Dohm) WCH
Table of Plenty (Schutte) BB/MI, GP2, JS
The King of Glory (Jabusch) BB/MI, 547 CBW II, 541 CVH, 128 GPCOMP, 2 PMB, WCH, 501 WP, WW
Ubi Caritas 386 CVH, 598 WP
Yes, I Shall Arise (Deiss) 166 PMB, WCH
We Come as Guests Invited (Walsh) BB/ MI, JS
We Gather in Worship (Moore) GC, G-3861
What Is This Place (Oosterhuis) BB/MI, GC, GP2, GPCOMP, GTR, JS, RS, WP
126 SMM vol. 5 (Kreutz)
936 WP (Carroll)
16 PFAS (Kreutz)
10 PFC, vol. 4 (Pica)
14 PFFAS (Willcock)
9 PCY (Isele)
14 PSALMS (Kreutz)
Be Merciful, O Lord (Haugen) 30 GTR
Create in Me (Haas) 31 GTR
Create in Me (Haugen) 237 CVH
Create in Me (Hurd) BB/MI
Give Us, Lord, a New Heart (Farrell) BB/MI, 7104 OCP
Have Mercy on Us, Lord 197 PMB
Have Mercy, Lord, on Us 250 CVH, 196 PMB, WCH, 753 WP
O for a Heart to Praise My God 591 WP, 476 WOV
Spare Us, Lord (Ps. 51) 42 PMB, 290 WCH
Ashes (Conry) BB, GC, GP, GPCOMP, GTR, JS, RS
Be Reconciled as One (Willcock) BB/MI, GP2. JS
Canticle of the Turning (Cooney) GC, RS, G-3407
Christians, Let Us Love One Another BB/MI, CBW III, JS
Come, Lord Jesus (Andrew) 207 CC
How Can I Repay the Lord (Dean) 7119 OCP
Father of Merc y BB/MI, 409 CVH, 746 WP
Grant Us, Lord, Thy Mercy (Schubert) 312- 41546
Happy Those Who Hear the Word of God (Norbet) ACH, BB, GP, JS, WCH
Hosea (Norbet) BB/MI, 482 CVH, 686 CBW II, 262 GP, 164 PMB, WCH
In the Abundance (Alstott) BB/MI
In Your Love Remember Me (Kendzia) 208 GP
Let Your Mercy Be on Us (Haugen) 25 GTR
Lord, Let Your Mercy Be Upon Us (Warner) WCS
Loving Father, Ever Waiting 168 PMB
Our Father, We Have Wandered 401 CVH, 755 WP
Parce, Domine BB, 42 PMB, WCH, 416 WP
Prayer of Saint Francis (Temple) ACH, BB/MI, CBW II, CVH, GPCOMP, JS, PMB, RS, WCH
Remember Your Love (Dameans) BB/ MI, 134 GP, 206 GPCOMP, 158 GTR
Return to Me (Hurd) BB/MI, 355 GTR
Surrender to You (Hillerbrand) 235 GPCOMP
Turn to Me (Foley BB, 57 GP, 249 GPCOMP
Ubi Caritas (Berthier) 271 GTR, G-2586, TAIZE II, 604 WP
Abba, Father! (Keating) 215 PMB, WCH
Amazing Grace ACH, BB/MI, CBW II, CVH, GC, GP, GPCOMP, GTR, JS, RS, WCH, WOV, WP, WS, (Proulx: G-2326)
Born from the Gospel (Glover) G-4587
Gathered Now (O'Brien) G-3772
Gift of Finest Wheat (Kreutz) 173 ACH, BB/MI, 570 CBW II, 389 CVH, 80 GPCOMP, 665 PMB, WCH, 736 WP
God and Man at Table Are Sat Down (Stamps) 102 GP
God Beyond All Names (Farrell) 7236 OCP
Great God of Mercy 746 WP
Holy Name Communion Song (Sands) BB/MI, GP2, JS
Humbly, Lord, We Worship You BB, WCH
In Remembrance of You (Willcock) BB/ MI
Just a Closer Walk with Thee 169 PMB, 141 WW
Like a Shepherd (Dufford) BB/MI, 692 CBW II, 35 GP, 145 GPCOMP, 350 GTR
Loving Father, Ever Waiting (Westendorf) 168 PMB,
Now We Remain (Haas) BB/MI, GC, GTR, RS, WCH, WW
Only In God (Talbot) BB/MI, WW
Servant Song (Fisher, Stardust) GC, G-3730
The Cup We Bless (Willcock) BB/MI, GP2, HM
To Be Your Bread (Haas) BB/MI, 80 PMB
We Come to Your Altar (Brubaker) 7957 WS, WW
We Have Been Told (Haas) ACH, BB/MI, GC, GPCOMP, GTR, RS, WCH
Where There Is Love (Hughes) G-2555
You Have Looked upon the Lowly 60 PMB
By Name I Have Called You (Landry) 40 GPCOMP
In Heavely Love Abiding (Mendelssohn) 312-41389
Loving Father, Gracious God 283 GTR
Mercy's Free 59LR
Return to Me (Hurd) BB/MI, GTR, JS
There Is One Bread (Deiss) 658 PMB
Amazing Grace ACH, BB/MI, CBW II, CVH, GC, GP, GPCOMP, GTR, JS, RS, WCH, WOV, WP, WS, (Proulx: G-2326)
For the Fruits of This Creation BB/ MI, 678 CBW II, 155 PMB, 379 TWC, 166 WCH, 562 WP
Change Our Hearts (Cooney) BB/MI, GP2, JS
Glory and Praise to Our God (Schutte) BB/MI, GC, GP, GPCOMP, GTR, JS, RS
Glory and Praise to You (Deiss) 192 PMB
God of Abraham (Farrell) BB/MI, GC, JS, OCP
Grant Unto Us (Pasquet) 362-01249
In Praise of His Name (O'Connor) BB/MI, 28 GP, 227 GTR
Lead Me, Guide Me 168 LMGM
Now Let Us from This Table Rise BB/MI, 566 CBW II, 146 PMB, 450 WOV, 625 WP
Now Thank We All Our God ACH, BB, CBW III, CVH, GC, GPCOMP, JS, RS, PMB, WCH, WP
Sing of the Lord's Goodness (Sands) BB/MI, GC. GTR
There's a Wideness in God's Mercy CVH, GC, JS, WP
The King of Love, My Shepherd Is BB/MI, 460 CVH, 609 WP
Though the Mountains May Fall (Schutte) ACH, BB/MI, CBW II, GC, GP, GPCOMP, GTR, JS, WC, WW
With Our God (Joncas) 267 GPCOMP
Where Charity and Love Prevail AF-11-10120, BB/MI, CVH, GC, GTR, PMB, RS, WCH, WP
You Shall Be My People (Ward) WCH, WW


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Our experience in control rooms has led us to develop a new generation of Dynamic KVM that is changing the way operators work in the entire world.
We have reinvented KVM with a revolutionary solution
The power to control
DeskWall allows for the management, administration, control of equipment and sources of information through the use of a single keyboard and a mouse in a revolutionary concept: multi-canvas. GESAB has created a new work philosophy that gives the operators the ability to generate, with absolute flexibility, a visualization space of up to 12Kh, where they can organize all of their applications, programs, displays, apps, smart apps, web services, as well as IP video, streaming, social networks and widgets.
DeskWall key features
DeskWall transforms the increasing complexity of the systems and the great amount of information into an intuitive experience. A comprehensive, customized and flexible view of multiple sources of information in order to have everything under control. Better, quicker and more efficient decisions within the control room.
Up to 12Kh
Generate a desktop up to 12 kh.
Combine multiple sources of informationand systems.
Customize any control or collaboration position.
DeskWall Share
DeskWall Share allows to visualize, share even surrendering source control.
Directo PC
Physical connection of integrated equipment enjoying an operation without latency.
Smart Mouse
Control the multi-canvas when positioned over the window.
DeskWall integrates all kinds of external devices.
Automatic restoration of the last status of the multi-canvas.
Welcome to the DeskWall world
Discover a new simple and intuitive way to manage large amounts of information from a single canvas. DeskWall offers a new workspace concept where the operator is at the centre of the action.
The best experience for the operator
The User Experience concept taken to the next level. Ergonomics, innovation and technology come together to offer the definitive work solution in control centres and critical environments. With a unique user experience, now the operator has a tool that adapts to his needs.
Enjoy the most advanced technology
DeskWall offers the possibility to configure and manage your work space in a personalised way with a multitude of functionalities designed to make the day-to-day work of the operator easier. Everything under control through a single keyboard and mouse.
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Dynamic and collaborative environments, a new way of interpreting the work centres of the future. DeskWall allows to share information creating new communication standards where the operator is the main actor.
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GESAB redefines the new standards of visual ergonomics for control rooms thanks to the Immersive Canvas. DeskWall is the technology that best adapts to the human eye.Sit in the middle of the action and enjoy a visual experience totally immersive and without distractions.
The concept of ergonomics has taken one step further. DeskWall system incorporates GESAB Health & Care smart widget, a tool that helps to improve operators health at their work place in critical environments, as well as prevent possible diseases and maintain adequate physical activity.
IT Security
GESAB has implemented all of the necessary measures to ensure security, from the system's physical units to its software, including its management and the tools that allow the complete analysis and control of the facility. Under the Security-Enhanced Linux module, DeskWall, as a closed system, provides the necessary means to withstand the most demanding security policies.
DeskWall Manager
Discover a powerful, intuitive and easy-to-use tool to manage all the functionalities.
DeskWall Analitycs
Operational traceability, a concept that allows for the validation of procedures, protocols and actions.
Distributed Cluster
All databases are replicated, synchronized and parameterized insuring the continuity of the system.
DeskWall Monitoring
Provides information about the status of all the DeskWall network units.


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Cambridge/Netherlands agreement combines subscription and Open Access models for the first time
Cambridge University Press has made an agreement with Dutch institutions which combines access to Cambridge's subscription content with Open Access (OA) publishing in our hybrid and wholly OA journals. This is a first for Cambridge and a welcome innovation in a fast-moving publishing landscape.
The agreement with the UKB (the consortium of the 13 Dutch university libraries and the National Library of the Netherlands) means Dutch affiliated authors from eligible institutions can access all titles within the 2017 Cambridge Journals Full Collection and publish without limitation in both Cambridge hybrid and wholly Open Access journals.
Senior Sales Executive, Alyssa Meulekamp, was instrumental in putting the deal together. "This is a big step forward for Cambridge. After nearly two years of negotiations, we are pleased to be on the forefront in providing such an innovative deal. It's been a tall order and not all publishers have managed to meet the terms so we're particularly proud of what we have been able to achieve."
Senior Sales Manager, Anna Munthe-Kaas, added: "We are keen to move forward with new models which serve the needs of our institutional customers while simultaneously safeguarding publishing opportunities for our authors and maximizing access opportunities for our readers. This agreement with the Netherlands is an experiment in achieving the right balance between these important stakeholders."
Cambridge Open Access Publisher, Fiona Hutton said, "Open Access is an accepted business model and it's in our interests to stay ahead of the game."
Going Dutch
The Netherlands is one of a number of European countries that aims to make all their publicly-funded research OA in the near future.
In the Dutch case, this ambition started with a mandate in 2013 that stated that 60% of Dutch governmentally-funded publications had to be OA within five years (2019) and 100% within 10 years (2024). During the Dutch Presidency of the European Union in the first half of 2016, OA again became a focus. This resulted in a new target set by the EU Competitiveness Council (a gathering of ministers in science, innovation, trade and industry) to make all publicly funded research papers in the EU OA by 2020.
The Association of Universities in the Netherlands (VSNU) – the network of Dutch universities funded and accredited by the Dutch government – has led negotiations with publishers on behalf of UKB.
The position of the Dutch government and the VSNU is that is that 'Green' OA (i.e. authors self-archiving articles in institutional and other repositories) is an intermediate step. They view Gold OA as the "future proof" way of ensuring access to Dutch publicly funded research.
The VSNU have been using so-called 'big deal' negotiations with publishers as a lever for advancing their objective of achieving full OA of Dutch publicly funded research.
Details of the deal
Under the terms of the agreement, eligible Dutch institutions have access to Cambridge's 2017 Full Collection and future annual collections through to 2019, as does the National Library of the Netherlands.
Articles accepted from the starting date of June 1st, 2017 can be published on an OA basis under the terms of the agreement. The agreement is for three years and access to the Full Journals Collection will be dated retroactively from 1 January 2017.
Cambridge's Head of Open Access and Data Publishing, Matt Day said, "This deal shows how seriously we take Open Access and how much we want to help countries such as the Netherlands."
Further information for Dutch authors is available here.


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One way to assess the impact of Robert Wood Johnson IV's $635 million purchase of the Jets is to see how it enriched the Leon Hess estate.
Hess paid $250,000 to become one of five partners of the Jets in 1963. To buy Townsend Martin's stake in 1981, he spent $5 million more. To become the sole owner in 1984, Hess bought out Helen Dillon for about the same amount. Round it off, and he spent a little more than $10 million for the Jets.
Multiplying one's money by 63 1/2 times -- even if it took nearly 37 years -- looks good even in these days of skyrocketing dot-com initial public offerings.
With National Football League teams selling as if Regis Philbin were the commissioner, owners who bought cheap, like Kansas City's Lamar Hunt, Buffalo's Ralph Wilson and the Giants' Wellington Mara (his father paid $25 for the team!) or their heirs will eventually reap Hess-like fortunes.
Another perspective: Hess owned 11.7 million shares of Amerada Hess, the oil and gas company that spawned those neat toy trucks, when he died last May 7. On that day, the stock closed at $62.125, making his shares worth $725.5 million. On Tuesday, when Johnson won the right to buy the team, the shares, which Hess willed to a trust, were worth $645.9 million.Continue reading the main story
So, the Jets' return nearly equaled Hess's stake in a company that for years performed a lot better than his team -- and never had Charley Winner on the executive roster.
Another beneficiary is Steve Gutman, the team's longtime president.
In his will, Hess said Gutman's efforts would ''enhance the sale price'' and rewarded him with a slice of Johnson's cash. The amount was based on a set of percentages, topped by 1 percent of any sum above $200 million. Hess knew when he wrote his will last March that the Washington Redskins (and their stadium) were going to sell for $805 million. His Jets would certainly fetch more than $200 million without a stadium.
And so, for loyal service, Gutman's fortune totaled $5.1 million.
The Hess estate clearly got full value out of its patriarch's 36-year involvement with the team. He was the steward of mostly losing teams and forgettable coaching reigns, but the team's value certainly rose.
It was Hess's ''overriding interest,'' he wrote in his will, that ''full value be realized'' for the Jets and his other private interests.
That wish was more than realized, with Johnson's paying substantially more than the Jets were really worth. But common sense does not enter into franchise bidding, especially in the cash-rich N.F.L., and for a New York team.
Woody Johnson wouldn't have paid $635 million if Charles F. Dolan had not been willing to climb nearly as high. If Dolan were not competing, Johnson might have bought the Jets for a shade more than the $510 million level at which Sam Grossman, a Phoenix real estate developer, decided common sense ended.
To help defray the huge cost, Johnson may add a partner -- a family member is being mentioned as a possibility. Dolan was planning to add John McMullen, the Devils' owner, and possibly Grossman.
But Johnson will have to pursue new avenues of revenue to make his purchase pay off. Foremost is a new stadium with 150 or more luxury suites, 10,000 or more club seats, a corporate naming rights deal worth $10 million or more annually and scores of big-spending sponsors.
The Jets are bound to Giants Stadium through the 2008 season, but Johnson would be served best by proposing an early buyout of the lease at a price the New Jersey Sports and Exposition Authority can't refuse.
The Jets' lease was financially tolerable to Hess, who never complained about it, but it will not be to Johnson. Owners who have recently paid the most for a team -- Cleveland's Al Lerner, at $530 million, and Washington's Dan Snyder, at $805 million -- have new revenue-rich stadiums. Bob McNair's $700 million Houston expansion franchise will also start life in a new stadium.
You see the pattern: the N.F.L. should adopt the luxury-suite jumbo shrimp as its new logo. Forget the conservative old shield.
Yesterday, Johnson received an open invitation to Manhattan from Mayor Rudolph W. Giuliani. During his State of the City speech, the mayor proposed building a sports complex on the West Side railyards -- once the proposed home of a new Yankee ballpark -- that could house both the Jets and the 2012 Summer Olympics.
He suggested calling it ''Johnson & Johnson Stadium'' for the health-care company founded by Woody Johnson's great-grandfather. In the end, the Jets may never get a stadium named for themselves.
Bottom Lines
Coincidence? Woody Johnson's Fifth Avenue office is only three floors below the new one occupied by the merged YankeeNets, which are negotiating to buy the Devils. . . . In 2001, the first year of new deals with NBC, Fox and Turner Sports, Nascar will receive $244 million, followed by 17 percent increases through 2006, Nascar Broadcasting said yesterday. . . . ESPN's Avalanche-Blackhawks game last Sunday night -- dubbed ''N.H.L. Rules'' for its descriptive graphics and extended rules explanations -- showed that there is room to make the game more understandable to casual viewers without insulting hard-core fans.Continue reading the main story


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Ella May Flats has been transformed to surround you in retro comfort and style while capturing the fun of a coastal holiday atmosphere on the NSW South Coast.
Clean and tastefully renovated, each ground level flat features:
2 bedrooms (1 Queen and 2 single beds)
lounge with TV & DVD
kitchen with full facilities including microwave
air conditioning
renovated bathroom.
BBQ area and a shared laundry for your convenience.
Bed Linen is supplied (Guests must bring their own towels).
Families enjoy the quiet beaches, lake, river, parks, fishing, BBQ's under the covered pergola, and play an afternoon game of cricket in the large backyard (or park the boat). House trained pets are welcomed (on request)
Ella May Holiday Holiday Flats are also within walking distance of all restaurants, cafes, beaches, boatramp, jetty area and local village shopping centre.
The Neighbourhood
Just 2.5 hours drive from Canberra and 4 hours from Sydney, Ella May Holiday Flats are an affordable location not far from home. Guests of Ella May Holiday Flats come back year after year to experience the traditional family holiday at an idyllic beachside community village.
Tuross Head is a picturesque coastal village, perched on a low-lying headland between two stunning lakes - Tuross Lake and Coila Lake. The peninsula is dotted with Norfolk Island Pines standing tall and elegant above simply superb beaches.
Water features heavily in the Tuross Head lifestyle - boating and fishing are popular activities. The waterways of Tuross Head are protected by the Batemans Marine Park to ensure that exceptional fishing will always be enjoyed. Kayakers will love exploring the pristine waters of Tuross Lake and surfers will find a favourite in One Tree Point.
One end of the Bingie Dreaming Track leaves from Tuross Head. This coastal walk follows part of the dreaming track used by the Brinja-Yuin people and rewards walkers with some great vantage points for whale watching and spectacular views of beaches, islands and headlands. The shared pathway in Tuross Head hugs the coastline and is great for a relaxing walk or easy cycle.
Winding around a fairly steep hillside, Tuross Head's golf course boasts amazing views of Coila Lake and the coast, and an interesting and challenging game. After a round of golf, relax and unwind at the country club with the friendly locals.
With bountiful seafood it's easy to see why our waterfront cafes and restaurants of Tuross Head offer quality cuisine with views to match. There's a strong appreciation for fresh seafood here and it's easy to find good fish and chips.
The Flats also back onto Chatham Park, a 7 hectare rainforest nature reserve. Stroll the walking tracks while observing the local bird life, and viewing rainforest species, some of which are at their southern most distribution in NSW.
The Top 5 of Tuross
1. Go for a swim or take a stroll along some of the most pristine beaches in the world. Most of the time they are empty.
2. Enjoy the 5.5km of wide family friendly cycleway beside our lake and ocean foreshore.
3. Enjoy great food and come and meet our many chefs at our local cafes and restaurants.
4. Kayak on the incredible waterways and explore the upper areas of the Tuross River
5. Great Surfing to be had in Tuross and nearby Potato Point, Bingie and Congo


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© Ada C. Kanu All rights reserved
Sierra Leone is located in West Africa with a population of about 5 million (UN, 2003). Although rich with diamonds, titanium ore, bauxite, iron ore, gold, and chromite (CIA, 2003), thanks to an 11-year war, and corrupt leaders it is now amongst the poorest country in the world. In the following topics, I will touch on how the differences shared by Sierra Leone and other countries affects international business.
With 20 different languages, difference in language as well as cultural rules, values, attitudes and behavior makes it difficult to the potential entrepreneur. Feelings of exasperation, aggravation, annoyance, uncertainty and anxiety remain. In some cases, people are aware that they are experiencing feelings of alienation, while in other cases, the process occurs under the surface.
Language is an issue that plays a part of the adjustment process. Although English speakers often assume that other cultures will automatically cater to their needs, learning at least Creole/Krio the language of the host culture can effectively combat cultural disorientation.
There is not a noticeable difference in economic differences as seen in the social and cultural differences.
Though rich in minerals, the majority of diamond and gold production has been smuggled abroad. The economic infrastructure nearly collapsed due to corruption, neglect, and war-related disruptions.
An estimated $103 million (2001 est.) in Economic Aid was given to help boost the economy.
In the United States you have the right to sue, but it becomes a different story when you look further down South. You could win bout any case as long as the price is; just knowing the right people is the key.
For example you want to set up a mining and export business, but have enough money to make the Chairman of the Government Gold and Diamond Office (GGDSO) smug, though you don't either requirements of having a back account and office, he'll look the other way, and keep asking when he gets a little pressure.
The government controls everything, though they claim to have a democratically elected, no business will start before "visiting" the "elders".
Without greasing the palms of every top official involved, you will be up for delays in processing and have a real example myself with purchasing licenses for a mining and wholesale trade, it still isn't finalized. The fees especially for foreigners who have no connections is discouraging as in addition to all the legal fees, still have to make a "gift" to those in charge so things will flow easily.
Coping techniques for cultural adaptation and adjustment include stress release and stress management. If you consider doing business in Sierra Leone or any other country for that matter, just need to be aware of the culture of origin and find ways to deal with stress.
Have the right connections especially for a business like precious stones and metals, to keep the people who matter content.
Hirsch, J., (2001) Sierra Leone. Colorado: Lynne Rienner Publishers, Incorporated.
Campbell, G., (2002). Blood Diamonds. Colorado: Westview Press
BBC News World Edition, (2004) Country profile: Sierra Leone
CIA, (2003). The World Fact Book: Sierra Leone
This Genius One Article is published here for the purpose of helping to improve your personal and organizational performances; designed to provide accurate and authoritative information in regard to the subject matter covered. If legal advice or other expert assistance is required, the services of a competent professional should be sought.
Please contact us directly if you need a word or pdf version of this article.


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Geographic Information Systems (GIS) provide the platform for our Spatial Planners to undertake an analysis of geospatial data for a wide variety of sectors such as; natural resource management, mining, development, infrastructure and energy. Our Spatial Planning team have a high level of technical ability and a keen eye for cartographic presentation resulting in map products that are easily discernible which are integral to the decision making process.
Our Services
The spatial analysis and mapping our team undertake include:
- vegetation community and bushland condition mapping
- weed mapping and hot spot analysis to determine trends in weed cover and abundance
- wetland boundary mapping
- opportunities and constraints analysis
- viewshed or seen area and cross-section analysis
- vegetation connectivity analysis
- interpretation of aerial photography
- multi-criteria analysis
Our Experience
- Weed mapping – garden island, Jandakot, Cockburn
- Karnup District Structure Plan – environmental opportunities and constraints
- FMG flora & vegetation surveys – aerial interpretation, vegetation mapping, fauna mapping
- Lake Richmond Management Plan – reserve mapping, threats, values, management actions
- Road Reserves Asset Management Plans – mapping road works and biophysical assets to prioritise road works
- South Coast Regional Native Vegetation Management Plan – spatial analysis, vegetation connectivity
Back to Spatial Planning Main


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Two-year-old Anaheed has romped home in the Victory Vein Plate to give Redzel's trainers Peter and Paul Snowden the perfect start to Everest day at Randwick.
The Snowdens trained Redzel to win the 2017 Everest and introduced Anaheed to racing on Saturday.
Sent out as the $5 favourite, the filly streaked her two-year-old counterparts in the first race (1000m) to claim a maiden win by four lengths to Disruptor ($5.50) with Ready's Girl ($21) another two lengths third.
The Sheikh Mohammed Bin Khalifa Al Maktoum-owned and bred filly by Fastnet Rock out of Group One-winner Rostova, handled the heavy track with aplomb in her first career start.
Paul Snowden had a hunch she would not be troubled by the wet conditions after an impressive second trial at Warwick Farm earlier this week.
"That was a really good win," Snowden said.
"I was very happy with the way she handled the soft conditions on Monday and it wasn't a very testing trial.
"She still had a fair bit in hand."
Snowden said Anaheed was a throwback in terms of temperament to her Steve Richards-trained mother, who won the 2010 Robert Sangster Stakes at Morphettville.
"She's pretty much a no-fuss filly," he said.
"I know the mare quite well. I saw (Rostova) race down in Melbourne when Steve Richards watched over her.
"She's thrown a fair bit to her. She's a real loose-walking filly. Great attitude and she's really stamped herself as something."
Snowden said the stable was now keen to give the young horse a rest.
"She's won a race. She's got a bit of money in the bank. It's all about that at this stage. We're just doing the right thing by her," he said.
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Under the guidance of the Working Party on Nuclear Criticality Safety, the Expert Group on Uncertainty Analysis for Criticality Safety Assessment was established to address issues related to Sensitivity/Uncertainty (S/U) studies for criticality safety calculations and promote exchange of information on these topics, as well as to carry out the comparison and testing of methods and computing tools for uncertainty analysis, and assist in selection and development of safe and efficient methodologies.
For more information on UACSA activities please contact .
Last updated: 1 February 2011


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What Is Your Opinion On Office Starter 2010?
Microsoft has revolutionized the way you have been using Office apps. In Office 2010 you will see a lot of new feature and functionality. In coming June, Microsoft will debut Office 2010 which will include a version called Starter that will be available for free. Microsoft also announced that it will be giving Starter version in the newly purchased computers.
Using Starter version would be bit annoying for users because of stretched window and the ads pane which can be seen at the right side of Office applications. Adding more to it, it will be a stripped-down version of final Office version coming down the line, containing minimal feature, functions and featuring only Word 2010 and Excel 2010.
You can see the detailed comparison sheet between the Office final and Starter version here.
Microsoft's plan is to include Office Starter 2010 in all computers. Once released, it can be downloaded from the official Office 2010 website. The big question here is, will you give it a shot? Will you recommend it to your family and friends who cannot afford to pay for Office 2010? Do you think Microsoft will be successful in grabbing the last remaining market share from OpenOffice? Let us know your thoughts.
Personally, we believe Microsoft wants to dominate the online space as well, which is currently dominated by Google Docs. What better way to do it than providing users with the free version of Office that has the ability to upload the documents and spreadsheets directly to SkyDrive and then providing users with tools to edit and share them online? Yes, we are talking about Microsoft Office Web Apps. Like we mentioned before, it is all plan of Microsoft to make SkyDrive the central storage destination for everything.


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Wednesday, 29 June 2016
Ishoo Wun-Oh-Free: Albion Stone Circle
I have always planned to make a stone circle for TFH. There was one in the great red 'How to make Wargames Terrain' book of my youth, which lead to me always wanting one, even if I was only playing 40K and Necromunda at the time. Thus, early this morning, I rummaged around to find some CNC Workshop scatter terrain bases HGC won in ages past at the VICCs, and set to work...
A wandering Grot appears!
And there you are, hippo fans! I should have the mighty Khador Kommission done soon, after which I shall embark upon the Necrotite Rig, which has been voted in with spectacularly good timing since I'm about to start a Cryx army...
8 comments :
Nice idea I think I shall nick it.ReplyDeleteReplies
This approach has the advantage that the components don't actually have to be in a stone circle at all. So it's more flexible than stone circles we may or may not already have...ReplyDelete
It took a moment to realise that there was a dark emissary in the pics, but it did elicit a giggle. Onward to Albion. I do like the separate rocks for the circle, Hoodling is right, more flexible.ReplyDelete
- Anonymous7 July 2016 at 14:31
Thanks for a great tute as usual Hippo!ReplyDelete
Question though, what kind of foam is that exactly?Replies
High density extruded insulation foam boards. They are sold by insulation specialists, and occasionally from large hard ware stores (more commonly in Europe and America apparently, they've only just started to be used in Australia). Any pink, blue or in this case yellow foam will work. Avoid the white expanded foam with the visible balls in it.Delete
BTW, you commented twice, so I've only published one copy of the comment. I have comment moderation turned on, so your comments will not appear immediately you post them.
- Anonymous13 July 2016 at 15:26
Thanks! I wondered what happened...Delete