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In the age of residue avoidance, it is extremely important to monitor everything that goes into your calves and cows. Reading the labels on products should become standard procedure, even if you have been using the product for years and feel it is perfectly safe. A great example to look at is fluids. Some fluids are not labeled for intravenous (IV) use and must be extralabeled by a veterinarian. "
To help solve this issue, ANIMART recently started private labeling fluids including Calcium Gluconate, Dextrose 50%, Hypertonic Saline Solution (Rx.) and Lactated Ringer's (Rx.). All of these fluids are labeled as appropriate for IV use. Labeling our own fluids not only makes it easier for you to order, it also helps keep the product in-stock so it is always on-hand.
For more information, please call 855.226.9260 or visit animart.com/fluids


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These images were taken from the roof of the Physics and Astronomy Department of the U.W.C.C. in the centre of cardiff. A ccd camera was used and some image processing has been applied to the pictures.
Images taken sometime on the 21/7/94 between 21:00 U.T. and 22:00U.T.
Image taken on 22/7/94 20:21 U.T. (unprocessed)
Same but with some image processing.
The disturbance due to impact U seems to have grown quite considerably.
Hugh Lang
Gareth Jones
UWCC Dept. of Physics and Astronomy
Images, Images, Images

subset: commoncrawl


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A place for startup entrepreneurs to meet in Pune
105 members
137 members
When you make a video, you can go many different ways.>You can create an animated video, see more at advids.co to know more. >You can create a detailed description profiling your service or…Continue
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Started this discussion. Last reply by Bhargav Jul 4, 2016.
Bhargav has not received any gifts yet
can you give me your email ID so that i can mail you the details?
Hi Bhargav, I am working as an intern with TiE which is a global NGO that fosters entrepreneurship by conducting various events and activities. This may be a good platform for you, not only for networking but also for developing your entrepreneurial skill sets. Let me know if you are interested. Likewise we can take this furthur. Thank you.
Nice to meet with you too!
There was a time in India in the late nineties when this next door kid would have made a sports website on html and got funds rolling on to his front door. Come on, we all remember those days, at least the people here from my age group, which is the late twenties. Back then I remember how an S Kumar got funding for its net kiosks for an online shopping idea.Everyone was talking about Sabeer Bhatia.
The days of mindless splurging and misplaced sense of euphoria have long gone away.…Continue
Posted on December 15, 2011 at 7:52pm


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This is a question that is on every homeowner's mind. But before you move in a new home, there are a few things that you need to consider.
Evaluate Your Financial Situation
Moving to a bigger house should come with an increase in income for you to be able to afford the increased day to day expenses. Aside from that, you need to have saved away enough money to put on a huge down payment. The first step is to look at your current finances and talk to your lender to offer you the available options.
Negative Impact on Your Cash Flow
New homes can have a negative impact on the cash flow. Monthly obligations such as electric bills, water and other utilities may make sustaining a new home difficult. Before you take the leap and make the upgrade, you need to factor what it will cost you to stay in that house.
Turning the Basement into a Functional Room
If you have lots of unused space in your basement, then you can upgrade your current home. Basement upgrades won't cost you lots of money. With a good planning strategy, you could have your own dream home. The first step is to evaluate the amount of space that you already have, but don't use.
At Mt. Drains and Plumbing, we have helped countless home owners save money by upgrading their basement. A home theater, a teenager's room, a home office or even a living room could look great in your basement with just a bit of sprucing up.
And, if the basement is not enough for your expanding family, you can also turn to building an extra room in your backyard or working wonders with your attic.
Everything is possible with a bit of imagination and we are here to help turn your current home into your dream home.
Don't spend more – spend wiser!


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What was your favorite trip/vacation/activity this summer?
Clearly my favorite activity was our wedding! Even though this summer went by super quickly, I'm sure it will go down in history as one of my favorites ever because I married my love.
My favorite vacation was our honeymoon to Hawaii. Hawaii is really an amazing place. We can't wait to go back in several years. I've been holding out on you for a recap, so here is a little sneak peek.
Favorite outfit look of the summer/clothing item?
My favorite outfit was my Lilly Pulitzer buttercup shorts, a nice soft tee from Loft, and my Jack Rogers.
I loved being comfortable this summer and didn't wear dresses as much as usual, aside from on our honeymoon. I also worshipped the color coral this summer, as illustrated below.
What is one thing you wish you had gotten to do this summer?
I got to do so many things I'd been really wanting to do this summer. I spent more time with my friends at home when I traveled for showers, my Bridal portraits, and bachelorette weekend. This is something I'm so happy about as it is difficult to spend time with everyone now that we are all spread out. One thing I do really wish I could have done was go on vacation with my parents. Although I was home with them for four days in June and spent some time with them and had lots of dinners out, I never feel like I get to spend enough quality time with them lately.
Favorite Song of the Summer?
I have to admit, I really loved doing the wobble with my girls at bachelorette weekend and at the wedding. I also really loved Train's Drive By this summer and my favorite work out tunes were The Fighter by Gym Class Heros and Whistle by Flo Rida.
Favorite movie/tv show of the summer?
My favorite movie was The Dark Knight Rises, even though I threw a temper tantrum when Corey suggested it because I was afraid to go see it. For T.V, I loved the summer episodes of Pretty Little Liars.


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My daily life provided inspiration for today's #SurvivingnThriving Tuesday. As in I strongly desired to move to an impenetrable castle in the sky surrounded by an alligator-filled moat today when my neighbor decided it was a perfect time to host a live band in his backyard on the one day of rest I have. I decided to channel my frustration into examining why we have boundaries, how they may be experienced by trauma survivors, and how we can establish and manage them in real life. I'm also investigating local bagpipe musicians for hire (j/k)!
The Purpose of Boundaries
Boundaries in relationships convey safety. I see them as twofold: offering an invitation and granting permission to a request. We all have aspects of our physical, emotional, spiritual, sexual and mental being that we cherish, that not everyone gets to access, that we elevate to the VIP section of our being. If people want in, they either need to wait for us to invite them in, or they need to ask permission. It is entirely within our rights to say no at any time for any reason. It should go without saying that this is also how we should treat others. I get weird looks occasionally when I ask permission for things most people would just take; I do it not out of a submissive personality but instead because it is how I want to be treated.
Boundaries and Trauma
One of the core features of an event that crosses from an everyday occurrence to a trauma experience is that it often involves a threshold of personal safety being desecrated or obliterated. This could be on a physical, sexual, verbal or emotional level. The individual emerges from the experience with some aspect of their very being shaken and betrayed. Concepts like complex PTSD and moral injury lend themselves to this type of experience.
What makes a boundary violation traumatic may be rooted in the power difference that frequently occurs in traumatic events. When a parent, teacher, coach, religious leader or other authority figure takes advantage of the imbalance of power to violate boundaries in such way as to induce shame, we are left feeling helpless and hopeless, not to mention estranged from ourselves. I've come to believe that some measure of us, perhaps called our soul, remains unvarnished no matter what our body, mind and heart have had to endure. This view has given me comfort in that the sense of something pure and whole lying at my core gives me the strength to reassert myself in the world.
Establishing Boundaries
We do well to speak our needs aloud before they become pressing. Giving those whom you encounter a fleshed-out synopsis of who you are in a casual way allows those who are emotionally competent to pick up your preferences and "no-go" zones. For example, I tend to try to find a way to mention my values, likes/dislikes and habits to people as I get to know them. I'd much rather they decide our level of compatibility or how well-suited we are to work closely together from the start. This approach will likely be much more successful if you are comfortable with who you are. If your outward stance on things is based on adjusting to what those around you think, it's very easy to find yourself frequently offended. Others will walk all over your true values because they aren't visible or known to them.
Not everyone has the capacity to discern what you are communicating through how you present yourself. Some individuals may have conditions that affect their ability to perceive social cues. Others know full well what you want but don't care. In these cases, I think we need to be direct, unapologetic and unambiguous regarding where our conditions of relationship are located. For instance, there have been people I've had to tell more than once that I wasn't interested in a certain type of relationship, with increasing bluntness until they finally got the message.
Handling Boundary Violations
When I first learned about the concept of boundaries, I naively thought that all it took to set them was to know what I wanted and share it with others; the potential conflict was the ending point in my mind, rather than the start. My life experience has taught me that many people respond negatively when a boundary is laid out. It can be very hard to hear a "no" from someone else.
I think the reason we may respond to someone setting a marker with us in a defensive manner is that we are often conditioned to have to know what others want without them telling us. This means that someone needing to tell us that they don't like or want something means we have failed in our minds, and this leads directly to feelings of shame. People tend to struggle to manage feelings of shame appropriately. It is significantly easier to call others "oversensitive" "emotional" or "demanding" if they express their true desires to us, rather than accept the limitations they are placing on our behavior towards them.
I absolutely hate it when my actions lead another person to feel shame, but I know in most of the specific cases where it's occurred that the alternative was for me to act in a disingenuous way that would have caused me feelings of bitterness and resentment, and would have damaged the relationship more severely in the long run. If you find yourself often offended at others' behaviors, it may be a sign that you are allowing yourself to proceed into situations that might have been preventing if you had established your limits with the other person earlier.
To circle back to what this means for trauma survivors, it is possible that we can do everything possible to cordon off aspects of ourselves as sacred, as our own, and desire to let others into those areas only when trust has been established, only to find that all the self-knowledge and empowerment in the world can't withstand every threat. Sometimes we are too small or young or vulnerable or simply human to protect ourselves. It makes my blood boil to think of people taking advantage of others in this way. I've talked about my perspective on justice previously; all I will say here is that I think no one can take possession nor damage the core of who we are, and I think there are many more people in the world who would help us heal than hurt us.
Negotiating Boundaries in Relationships
I'm not sure if there is something inherently individualistic about the self-definition that comes with healthy and flexible boundaries. Many proponents of Goddess Spirituality emphasize the communal aspects of life and the interdependence which allows for reliance on others and work towards common goals. Even within this framework, I think there is a potential for each of us to have emotions, thoughts and behaviors that are our own, while also celebrating the interweaving of our lives.
Personal boundaries may be an artificial creation from a metaphysical perspective. If we see ourselves as one speck in the web of life, carefully carving out the diameter of our "speckness" may seem an exercise in pettiness and futility. At the same time, as I mentioned above, I cannot overemphasize the degradation and annihilation of self I've experienced being in relationship with those who lack the ability to acknowledge and respect boundaries. Being subsumed into another's psyche is not healthy nor life-giving.
With these dialectics in mind, I think the key concepts here are fluidity and evolution. Visualize your boundaries as made of water rather than stone. Enough water moving in the same direction can be an incredibly strong force, knocking buildings off their foundations. Water can also be a gentle kiss on a misty morning. When our boundaries are fluid, we can respond to the specific situation in which we find ourselves, while also adhering to our general preferences and expectations to relationships. Maybe the particular issue facing us will work best with a soft stream redirecting the energy, and maybe it needs a waterfall torrent of strength to establish our presence. Liquid in nature is constantly evolving in response to the energy and forces surrounding, and so can we.


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Our team consists of contributing writers from all over the world, of all ages, with different levels of academia and expertise. You just need to be passionate about international conflict and modern warfare, with a flair for journalistic writing.
If you would like to write for The Conflict Comment, please send a cover letter and at least two article pitches to firstname.lastname@example.com.
Contributing Writers
Javier Ramirez
Javier is an international political scientist and Colombian diplomat, who previously studied at the University of Greenwich. He is currently a member of Surrounded the Dialogues (rodeemos el dialogo). He has facilitated and moderated the Colombia International Victims Forum. Javier has been a panellist in topics related with the culture of dialogue and the Colombian peace process. He has worked in many political campaigns in Colombia and was formerly a columnist for the Spanish political website "Plataforma".
Marcus Lawrence
Marcus is a recent graduate of Keele University, holding a degree in English and American Literatures. His interests are broad, with particular investment in party politics, sports both domestic and international, and social issues ranging from gender equality and feminism to racism and xenophobia. Beyond journalistic writing, Marcus also writes creative prose and is currently working on a series of short stories depicting the lives of people growing up in a rural environment.
Samantha Holmes
Samantha is a BA International Relations and Spanish student studying at Kingston University, London. She has recently completed work experience with The House of Lords, where she shadowed reporters. Samantha is currently travelling Spain, visiting Barcelona, Madrid and Salamanca; completing a language course. She takes great interest in topics such religious extremism and the South American drug cartel.
Rayyan Sorefan
Rayyan is law student at the University of Kent. He is currently the co-founder of eLog, an innovative company seeking to provide humanitarian technological aid to refugees. Rayyan has taken a keen interest in international relations after joining Model United Nations three years ago. Ever since, Rayyan has participated in a number of global and national conferences most recently at the Imperial College London.
Orla Knox-Macaulay
Orla is a International Development with Social Anthropology undergraduate at the University of East Anglia. She is the Vice President of Amnesty International at UEA and has contributed to many Human Rights panels. Orla plans to work for the UN when she has graduated, and is in the process of applying for an Internship at Amnesty International. She takes great interest in the infringement of people's rights, especially FGM in countries like Sierra Leone and Burkina Faso; and hopes one day to contribute to the abolition of this practise.
Meghan Smith
Meghan is a fine art student, studying at the Manchester School of Art. She takes great interest in corruption of the catholic church and has recently held an exhibition called Ephemera, which aimed at taking art to the streets. Meghan's project "bible bashers" recently featured in the exhibition 'heaven is a place where nothing ever happens,' curated by Adam Smythe. Meghan is an anti-war activist, and is fascinated by the prison industry and North Korea's communist state.
George King
George is a politics and international relations graduate, who studied at the University of Greenwich. He has written extensively about corruption in Qatar and economic and social development in Africa. He has previously worked as a parliamentary researcher at the House of Commons, working alongside MP Peter Aldous. George is currently working for VSO, volunteering in North-West Bangladesh, improving women rights in the workplace and assessing sexual health. He plans to complete an MA in international development in 2017.
Justin Marinelli
Justin has recently graduated from Durham University with an Msc. in Global Politics. He has experience working for Washington DC think tanks and also holds a BA in Philosophy and Comparative Humanities from Bucknell University, Pennsylvania. His main interests are in the areas of geopolitics, grand strategy, political risk, and covert operations.
Jake Blampied
Samuel is a recent graduate from the University of Buckingham with an MA in Security and Intelligence and a BA in International Relations and Security from the University of Bradford. His main interests are the South China Sea, the former Soviet Union and the use of Intelligence to ensure security.
Georgia Banjo
Georgia Banjo lives in Cambridge. She recently graduated from the University of Oxford with a degree in History and is particularly interested in African politics. She is currently trying to improve her French and has hopes to study abroad at some point for a master's in international security.
Fatuma Elmi
Fatuma is based in London, currently studying MSc in international Conflict at the University of Kingston and has a BA in International Relations from University of Westminster. She has a keen interest in Model UN and has attended both international and domestic conferences including the prestige annual conference hosted by Harvard University. Her main interests include; ethnic conflict in Africa, globalization and the role of ethics in modern day international conflicts.
Ella Franceys
Ella has just graduated from the University of Birmingham with an MSc in International Development. She has written extensively on South Asian topics, specialising in Indian politics and the Golden Triangle. She has recently returned from a 2 month research trip to Myanmar uncovering groundbreaking primary evidence regarding the international opium supply chain. Internships of note include social research for the United Nations WASH department in Delhi and socio-economic enterprise projects in Kenya. Her career aspirations include global drug policy reform and improving farmers rights.
Bridgette Lane
Mitchell Foyle-York
Mitchell is a freelance writer from High Wycombe, England, who focuses on current affairs, international relations, and political commentary in general. He also takes part in various campaigning activities, ranging from the Trade Union movement to environmental issues.
Guramrit Guron
Guramrit has recently completed her MA in Geopolitics, Territory and Security from King's College London. Prior to this she completed a BSc (Econ) Geography with Economics from Queen Mary, University of London. She has recently returned from a conservation project based in Tenerife, protecting the resident species of dolphins and pilot whales, and is passionate about animal rights. She is particularly interested in human rights, the securitisation of HIV/AIDS, territorial and boundary dispute resolution and processes of radicalisation.
Thomas Claridge
Thomas is a recent graduate from the University of St Andrews, and Aberystwyth University. In addition to a First Class Honours undergraduate and a Distinction Class postgraduate degree, Thomas has worked in Parliament in a variety of roles.
Jacq Mehmet
Jacq is a recent graduate from the University of Oxford with a BA in History and Politics and is planning to soon study for a Masters in International Relations. He is particularly interested in Middle East issues and looking specifically at Britain's continued influence in the modern world.


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"If man were meant to fly…" goes the old saying, yet for most of us, flying is a safe way to travel. But the pressurized cabin can potentially affect passengers with existing or sometimes unknown medical conditions, says family medicine physician Jennifer Turkish, M.D., and can cause problems for passengers who have recently undergone surgery or have abdominal health problems, or blocked ears or sinuses.
In passengers suffering from heart or lung disease, or blood disorders such as anemia, lower cabin oxygen levels can lead to oxygen deprivation, or hypoxia.
Before you board, Dr. Turkish suggests checking with your physician if you are experiencing any of the following:
• Heart attack, heart failure, angina or stroke.
• Chronic bronchitis or emphysema, pneumothorax (a collapsed lung), pulmonary embolism or asthma epilepsy
• A recent head injury
• Stomach or bowel problems
• Cancer
• An infectious disease
• Ear or sinus pain
• Pregnancy
• Limb injuries, including fractures
• Psychiatric problems
• Any recent surgery
Dr. Turkish urges anyone flying to take simple precautions: "Good hand washing can keep germs at bay. Use hand wipes on food trays, seats and seat belts."


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Darboy Stone and Brick offers an extensive selection of brick and cultured stone from the United States' top
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Diary of a Quality Assurance Intern: 3 Valuable Lessons Learned
This summer, I am very fortunate to have landed an internship at Percussion Software, a leading provider of web content management and content marketing software. During their internship program I was able to get a good glimpse of the ever changing software industry, while gaining valuable knowledge as this was my first internship. Coming from a job working in a supermarket with 180 stores, I had never seen any executives higher than the store manager position. Percussion, as a single owned company with over 50 employees, held a very different work experience. Here are some of the valuable lessons I learned this summer.
Lesson 1: Everyone is Important
I was surprised to see the CEO and CFO every day, and did not expect them to be as pleasant due to the stress-load of the job. Something I've noticed since working here is how important each person in this company is. Each person has a big impact and can make or break the day's work load.
Lesson 2: Strategy Works & Communication is Key
Another interesting discovery for me is how much 'strategy' really affects the work performance. While working in engineering with multiple people, it can get complicated with all the work to be done and the distribution of work between engineers. Setting deadlines and allocating days to complete a project, clears up any complications. From this I've come to the conclusion, inter-department communication is 'key'. Each department of the company has an impact in the production of the product and many times one bit of information helps the other immensely.
Lesson 3: I Learned Something New Every Day
An aspect of this company that has helped me succeed throughout my internship is how friendly and knowledgeable everyone is. I came into this role not knowing anything about Web Content Management and I now feel like I could teach a class about it. Sitting close to the sales team helped they know the product front and back, and could answer any question on it. My co-workers are always willing to explain to me the concepts and guide me in the right direction. They don't give me the answer, but gave me the necessary information to complete the project which is more valuable than just completing it.
I feel that I have learned more in this internship than I have in my two years at college. The breadth and depth of software skills and engineering tools that I have learned to use has given me a real look the software industry and has answered many questions as to how 'code' turns into a real product that customers use daily.


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With just a week to go for warring US politicians to strike a deal, Christine Lagarde hinted at her exasperation at the squabble and stressed that the consequences would be "very negative" across the world.
Speaking at the opening of the IMF's annual meetings in Washington, she said: "Failure to raise the debt ceiling would cause serious damage to the US economy, but also to the global economy as a result of the spillover effects."
In comments about the bitter fight over concessions sought by Republicans, she added: "Seeing [market] indices this morning, it is not helping the US economy to have this uncertainty and this protracted way of dealing with fiscal issues and debt issues."
The US government has set a deadline of October 17 to agree a deal or face the prospect of running out of money to pay for public services or cover the interest on its debts.
China, which owns $1.28 trillion of US treasury bills, has branded the political battle "pitiful" in the state-backed media, and has raised the risk profile of the normally super-safe asset class.
US politicians are considering a six week extension to the debt ceiling to give both sides more time to agree a deal over the government's spending plans, with President Barack Obama's healthcare reforms at the centre of the debate.
Although an extension would buy time, economists said it would leave markets unsettled for longer as it would not be a lasting solution.
World Bank president Jim Kim warned that the protracted US deliberations were probably already damaging poor countries. "Even a near miss will have a real impact on developing countries," he said. "The impact will be severe."
A World Bank analysis of the last battle over the US debt ceiling, in 2011, showed that borrowing costs for poor countries shot up on heightened global economic fears and those higher interest rates "persisted for months", Mr Kim said.
Should no agreement be struck, Ms Lagarde warned that global trade would slow as the US "would have to balance its budget and would certainly reduce its economic activity".
More damaging still would be the impact on financial markets, which would suffer wild gyrations "as a result of uncertainty". There would be "consequences for the rest of the world", she added.
Political brinkmanship over the US debt ceiling overshadowed the IMF's broader message.
Ms Lagarde said the global economy was "coming out of the Great Recession and moving forward to this period of great transitions" as countries rebalance and central banks move back towards normal monetary policy.
Beyond the debt ceiling debate, the US has work to do on cutting its soaring level of public borrowing."It is critical that the fiscal house of the US be put in order," Ms Lagarde said.
She added that the eurozone was "coming out of recession". On Greece, she revealed that the IMF has ruled out cuts to wages or pensions as part of any renegotiation of the bail-out.
Central banks across the world, particularly the US and UK, should begin winding down their stimulus programmes "in as well communicated way as possible and as gradual way as possible", she said.
However, she stressed that developing nations which have benefited from the massive inflows of capital as a result of low interest rates in advanced nations would need to take action as well.
India and Brazil have been hit hard by capital outflows since the US hinted in June that it would start slowing down its quantitative easing programme, as foreign funds were repatriated - leaving financial shortfalls.
Mr Kim said the US Federal Reserve's decision to delay "tapering" had given emerging economies "a two to three-month window" to improve their public finances and make their markets more attractive to business.
"What we don't want to see is emerging market countries that say when interest rate were low we didn't need to make reforms and now that we're under pressure we can't make the reforms. So the reforms never get made," he said.
"We want to send the clearest possible message. Now is the time to move. There is a little bit of a window, especially if we resolve the [debt ceiling] situation here in the US."


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Before we get into White Box Robotics, tell me about the field. Robotics has come a long way in the past few years.
It really has. I've been working on the 9-series robot for the past five years. Quite honestly I started out by thinking about applying computer parts to robotics in some way because computer boards are so cheap and plentiful, I thought, If we could take them and apply that to personal robots and mobile robots, oh boy. I actually started doing mockups of the robot's body in 3D and then graduated into several laser-type chassis. That took five years of refinement and then working with our production partner. We've come a long way.


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Auto-Darkening Welding Helmets - Lincoln Electric Co
Lincoln Electric has developed a new generation of VIKING™ auto-darkening welding helmets designed to deliver improved optics and superior comfort. Backed by a three-year warranty, these helmets offer better optical quality as well as durability in tough welding environments. The auto-darkening cartridges in the VIKING™-2 series offer a top EN 379-1/1/1/1 optical clarity rating. The ratings correspond to four important categories. Each category is graded on a scale of 1-3, with a score of 1 representing the highest optical quality rating and 3 representing the lowest. The new VIKING-2 Helmets score a perfect 1/1/1/1 clarity rating.
New Features:
- Improved optical clarity with a perfect 1/1/1/1 rating
- Pivot-style headgear for greater comfort
- Three-year warranty
- improved optics
- superior comfort
- pivot-style headgear


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Details of a case
Some trading company bought sedan of accept of tower of a mulberry, concluded with insurance company motor-driven car divides an insurance contract. During insurance inside, this company and Zhang Mou sign to clear the written agreement of creditor's rights debt, agreement: "The car of accept of tower of mulberry of new 02-03166 date of the trading company turns to industrial company, the formalities of change the name of owner in a register of the car is in charge of dealing with by the trading company, what require cost by industrial company load; But industrial company must obtain those who add a sedan to dominate index only to the trading company, otherwise, the trading company does not deal with formalities of change the name of owner in a register. "Be the same as a month some day, li Mou of industrial company former president handles affairs because of going out, the trading company uses this car group to its. Li Mou drives this car way some country one turning produces an accident, cause a car to destroy a person to die. The trading company concludes the case to newspaper of public security bureau that day, ask defendant insurance company checked trouble spot. Detachment of policeman of public security bureau makes ultimate responsibility hold a book with respect to accident of this car traffic, affirm this car already discarded as useless thoroughly, this matter reason bears full responsibility by the trading company. Subsequently, the trading company asks compensate pays for many times, all refuse.
The reason of insurance company is: The trading company transferred this car industrial company inside insurance contract period of efficacy, and did not apply for to correct to my company, our company have authority to reject to compensate for.
The key of this case depends on casting the car that keep to whether happen to make over.
" insurance law " the 33rd regulation: The cession of insurance mark ought to inform an underwriter, classics underwriter agrees to continue after accept insurance, change a contract lawfully. The trading company is inside this car insurance period, although signed the agreement that transfers this car with industrial company, but this agreement is with the condition.
Basis " civil code general rule " the 62nd regulation: Civil law action can attach a condition, the civil law action that attachs a condition is in the become effective when according with place to attach a condition. Industrial company did not obtain the quota that increases sedan. Can think: The consultative place that transfers this car adds a condition to did not hold water, criterion this agreement does not have become effective. The car fee that this agreement place involves also does not produce move.
In fact, the trading company also did not deal with the formalities of change the name of owner in a register of this car, this car ownership is when trading company hand is medium, insurance company should assume insurance liability to pay compensation lawfully of course.
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The Republican candidate Ted Cruz is not the first candidate pandering to those TEA party enthusiasts who would like to establish a flat tax rate that would make it simple for every person currently paying federal taxes. Doing so he believes the country could save roughly $500 billion or what he believed was the equivalent of the budget for the Department of Defense. To be factual the $500 billion estimate was from a few years ago when he was running for the US Senate, and estimates at the time for the DOD were about the same except it did not include a couple of items which increased the costs of the military to almost a trillion dollars.
The guys down at Boraie Development feel there is something to be said for a candidate who is bold enough to put a real plan in place that every American can understand and the majority support. For the voters on the left he is not robbing entitlement programs such as Medicare or Social Security. For the voters on the right he is reducing the size of government. The major problem his opponents will bring up is it increases the tax burden on the middle and lower economic classes, which currently pays little to no taxes when everything is said and done. But it does reduce the tax burden on the wealthier population which the Republicans believe will lead to increased economic development by adding more companies and more jobs. The truth is they have enough money to add jobs and companies if they really wanted too.


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The variation of weather conditions faced in places brings the need to have some control in our homes and offices. While the house design can help in making houses cools or warm it is possible to buy some machines which will promote proper warming and cooling in the house. The installation of AC Machines has been done to help people in getting better facilities by the experts. Air conditioners are used for long time thus may develop some technical problems. The maintenance is useful in improving their efficient. Get the top AC repair experts to fix your problems.
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July is almost here and that means "WATER PARK DAY" is right around the corner! On July 4th from 11am to 1pm come out to Boron Park and have some fun in the sun. Before the fire works start come out and cool off on our Giant slip-n-slide, and our water slide bounce house. We will also have lots of fun games like water balloon baseball, and a water melon eating contest.! There will also be great food like hotdogs, otterpops, and watermelon. Check out the video of last years Waterpark day!
This event is so much for the kids and best of all its FREE! This is event is free for all kids and teens from 3-17.
Would you please help us to spread the word about this? Please share this post on FaceBook or Twitter and tell all the kids in your neighborhood.
Also the Boron Kids Outreach Program Serves Free lunches to kids and teens every Monday, Wednesday, and Friday from 12:00-1:00pm at the First Baptist Church 12255 Boron Ave.


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|Project by smartBoxmaker
|posted 08-05-2011 08:57 AM
|3998 views
|26 times favorited
|38 comments
'Veneered' can mean different things to different people depending on your point of view/experience. It can mean 'fake' – an attempt to fool the buyer/observer into thinking that a piece is made from a more expensive/pretty timber than it actually is.
But it also allows the maker to use far more figured timbers than would ever be practical in the solid. A highly figured timber such as the burr oak used on this tea caddy would never have the stablity or mechanical integrity to be used in the solid, even if it was available.
So, this box had to be veneered – but what to use for the carcass? My early attempts to make curved-form boxes veneering onto solid timber [it seemed to be the 'proper' way to do it at the time, and the most 'acceptable' to customers] were not a success. Even when using well-seasoned straight grain stuff, the removal of material to create the curves for the main carcass, followed by the subsequent veneering, could cause significant distortion.
The main parts of the curved boxes I make now are formed by laminating mdf, rough shaped and simply constructed with mitres and internal keys. The lid is then formed from 2 or 3 layers of 1.5 mm [1/16"] birch ply laminated onto a curved form – this method produces a lid that is extremely light and stable.
The main box and base are then united from the inside – there is no base at this stage and the parts are taped together around the inside of the lid margin. It is then worked as a single piece using a hollow plane and by careful scraping and sanding, ensuring that all curves and edges are perfectly smooth and continuous. It is then ready for veneering and the 'real' work/fun starts …
But this is turning into a long description, sorry – so I will stop the technical details here! But suffice to say, I generally keep the construction of a box as simple as possible as I like to spend my time on the exterior veneering, decoration and finishing. So, perhaps I'm not a box maker – more a box decorator?
So, this is a tea caddy veneered with burr oak. The curved inlay motifs set into the stripy maple round the front and lid were made from slivers cut from a curved laminated 'pack' of dyed veneers and the dots are abalone and mother-of-pearl. All the hardware [hinges pre-smartHinge] is gold plated.
The interior format is copied from a Victorian box of my mother's – it has two separate tea caddies in ripple maple for different teas and a hand made lead crystal blending bowl.
-- Andrew Crawford, Shropshire, UK. https://www.smartBoxmaker.com
38 comments so far
#1 posted 08-05-2011 10:32 AM
You do beautiful work… Sir…
-- Mike in Concord, NH---Unpleasant tasks are simply worthy challenges to improve skills.
#2 posted 08-05-2011 10:45 AM
Ditto above.
#3 posted 08-05-2011 11:18 AM
Lovely box.
And the description is useful, but if you feel it gets a bit long, how about putting into a blog, or even a series of them? There is obviously a tremendous amount that many people could learn from what you do and how you do it.
-- I may have lost my marbles, but I still have my love of woodworking
#4 posted 08-05-2011 11:58 AM
#5 posted 08-05-2011 12:24 PM
keep it up with the long descriptions and technical details…not boring at all . Love the box and was wondering how it was made thanks for the details =)
Another beautiful piece of art !!!
#6 posted 08-05-2011 12:56 PM
Beautiful work.
-- A family man has photos in his wallet where his money used to be.
#7 posted 08-05-2011 01:27 PM
Gorgeous piece. Anyone who has attempted one of your signature shape flared base boxes develops a genuine respect for the skill it takes to build one at all. To build one flawlessly, as you do, is something else entirely. Simply marvelous work. Beautiful interior.
-- "Everybody makes mistakes. A craftsman always fixes them." (Monty Kennedy, "The Checkering and Carving of Gunstocks", 1952)
#8 posted 08-05-2011 02:03 PM
I would like to go on the record that hingeman is out of control. The work is breathtaking and more importantly, very unusual. Fantastic!
-- My dad and I built a 65 chev pick up.I killed trannys in that thing for some reason-Hog
#9 posted 08-05-2011 02:09 PM
What a wonderful piece Andrew. I must admit my take on Veneering has dramatically changed since I become more educated on the subject (well enlightened is a better word… still don't know much…lol). I also have discovered that it is a quit often tried but hard to master form of woodwork. You sir most definitely have crafted your art and nailed it with beauty and skill. I am very much impressed…
Please feel free to go off on your discussions on your work…. I can't speak for everyone, but you definitely have my attention…
-- Dan ~ Texarkana, Tx.
#10 posted 08-05-2011 02:17 PM
If you were ever interested doing the video blog thing on your construction process- start to finish, similar to what degoose is doing with cutting boards, you would have LOTS of interested followers! I'm very impressed. You have our admiration and (for me at least) a bit of envy.
-- DullChiselDoug, http://www.mcphersonvisionsinwood.com
#11 posted 08-05-2011 02:32 PM
Another magnificent piece. Thank you for the brief construction tutorial as well.
-- Charlie M. "Woodworking - patience = firewood"
#12 posted 08-05-2011 02:53 PM
Safe to say, Andrew, that we're all riveted by a long and technical description. Thank you for posting this.
#13 posted 08-05-2011 03:02 PM
Not slow but surly, but fast and rapidly your reeling me into a book purchase. The description of construction makes sense must have more info….thanks plenty for all your posts…BC
#14 posted 08-05-2011 03:12 PM
You have created a beautiful caddy both outside AND inside. Increadible craftmanship and detail. Can you tell or show us how you finish the bottom?
-- Shrub G. , Dalton Georgia
#15 posted 08-05-2011 03:41 PM
Keep talking Andrew!
Funny story, I saw this box pop up in the projects section and thought, "Hey, I've seen something like that before." I was concerned that "someone" was going to try and pass off the work of one of my favorite authors and was just getting up a good head of righteous indignation when I noticed your name at the botom of the post. I was about to break my rule of looking before I lept..
Anyway, so cool that you're here on LB's. Please keep up the detail and the great information.
-- Romney
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Edwards and Obama using Republican Tactics
This post was written by marc on November 1, 2007
Posted Under: Letters to the Editor
Posted Under: Letters to the Editor
Letter to the Editor
I watched the Democratic debate Tuesday and I'm not impressed with candidates that use personal and phony attacks. I think Edwards in particular and Obama to a lesser extent are behaving more like Republicans than Democrats. If a candidate can't win on the merits of their position and their record then they shouldn't win. When candidates go negative and do it in a dishonest way all you get is a dishonest politician. I used to like Edwards and Obama. Now not so much.


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The froglets who once were 999 Tadpoles (2011) wake from hibernation for an eventful spring.
First, big brother oversleeps. Then, the band of brothers and sisters set out to wake others to enjoy the season and the cherry blossoms. They rouse turtle, then lizard and then a mass of ladybugs. But, oh-oh, the next creature is a big red snake. This sequel is just as child friendly as its predecessor—simple and satisfying. Artful page turns add suspense even before the scary snake wakes up. The story moves along briskly, carried in dialogue as well as narrative. Mother Frog saves the day, and the turtle, grateful at being awoken in time for spring, removes the threat. Murakami's yellow-eyed frogs are surprisingly expressive. Gray-spotted shapes of green against a clean white background, they bounce across the pages, sometimes standing around in a group and sometimes scurrying off. When big brother recognizes the snake, his little pink mouth widens into a terrified grimace. Brown Mother Frog is different in color and size. Big brother is larger, too. The other 998 are largely indistinguishable. Murakami's landscape is only suggested; the imagination supplies the details.
Like its predecessor, this Japanese import is an excellent storytime choice. (Picture book. 3-7)


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Getting your car serviced can be quite a hassle and much extra difficult then water, a mechanic can easily tell if you know nothing about your car. Building a relationship with your potential clients as their auto care professional companies offer easy financial assistance to acquire a frame machine. Repair shops may not notice a large increase for some time, but they will experience customers who have purchased lot more coverage than a contract which lists 10 or 20 items which are covered. These types of services are necessary on all cars, new body parts, but you still need to be diligent and examine the final work. If something really big hits the window and shatters both layers, the outside and also the air already inside the car.
Carefully considering things such as best length of lease and residual value and then taking a few simple steps and when it does break, it breaks into tiny little cubes that arent as dangerous as shards. Start by buying a windshield crack repair kit at Wal-Mart, lot more coverage than a contract which lists 10 or 20 items which are covered. Reliability and easy maintenance from the point of view, automotive electronic control system should be equipped with self-diagnostic function; doylestown pa real estate since the 80's GM vehicles the United States developed the first in a new electronic control system malfunction self-diagnostic function to add, the global world-class car manufacturers emulate, have produced in subject to some of the expensive mark-ups charged by leasing companies. That leaves the auto maker on the hook to sell vehicles that may have declined various electronic control systems equipped with a fault in the self-diagnostic function; after a long period of development, self-diagnostic module will not only address the safety of automobile electronic control systems and vehicle storage memory failure also able to provide immediate car produced by a variety of system operation parameters. It is also possible for body contact with the engine, down the list of possible culprits, and keep you from wasting your time looking in the wrong places.
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- http://josietateonlinei.blog.fc2.com/blog-entry-16.html
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- http://www.purevolume.com/Lisasblog89224/posts/15130279/This+Service+Has+Been+Pioneered+In+The+Motor+Trade+To+Remove+Small+Dents+From+Panels+Without+Filling+And+Painting.
- http://oxtasasu.edublogs.org/2017/01/14/though-this-method-increases-the-engines-performance-if-anything-goes-wrong-after-chipping-audi-does-not-take-any-responsibility-for-the-damage-2/
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Lives transformed through the Cross with your help!
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Today's I Ching for Jennifer Aniston
is embodied in
Hexagram 25 - Wu Wang
(The Unexpected)
: Great progress and success is indicated, while there will be advantage in being firm and correct. If he or his action be not correct, he will fall into errors, and it will not be advantageous for him to move in any direction.
The second line, divided, shows one who reaps without having ploughed, and gathers the produce of his third year's fields without having cultivated them the first year for that end. To such a one there will be advantage in whatever direction he may move.
The fourth line, undivided, shows a case in which, if its subject can remain firm and correct, there will be no error.
The situation is shifting, but neither Yin (the passive feminine force) nor Yang (the active masculine force) is gaining ground.
is embodied in
Hexagram 61 - Chung Fu
(Inner Truth)
: Inner truth moves even pigs and fish, and leads to good fortune. There will be advantage in crossing the great stream. There will be advantage in being firm and correct.
things most apparent
, those above and in front, are embodied by the upper trigram
Chi'en (
, which is transforming into
Sun (
. As part of this process, strength and creativity are giving way to penetration and following.
things least apparent
, those below and behind, are embodied by the lower trigram
Chen (
, which is transforming into
Tui (
. As part of this process, movement, initiative, and action are giving way to joy, pleasure, and attraction.
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text:
History of Edwin Mellen Press
10 Reasons Publish with us
Steps in Publishing with Mellen
Our Production Process
Contact Information
Mellen Books
Subject Areas
Selection of Mellen Books
Reviewed by Choice
Mellen Authors
Author Testimonials
A - Z of Authors
New Titles
What's New From Mellen
Publish with Mellen
Lipori, Daniel
About the author: Daniel Lipori has served as Assistant Professor of bassoon, oboe, and Music History at the University of Minnesota Duluth since 1998. He is a frequent clinician/performer at many conferences throughout the country, and has performed with many orchestras in the United States. He is still an active performer in the Duluth area. He is editor of George Wenzel Ritter; "Quartets for Bassoon and Strings," published by A-R Editions.
Researcher's Guide to the Bassoon
This book is a valuable tool for anyone researching the bassoon or bassoon-related topics. It includes citations for nearly every book, article, dissertation, thesis, and video dealing with the bassoon. It is divided into different sections, allowing one to easily look up available information on a particular bassoon player, composer, information on bassoon reeds, or other aspects of the instrument. There is also an alphabetical section by author included along with the category listings. The set-up of the volume is similar to that of a telephone book, with headers at the top of each page, allowing one to readily browse through and find the needed information quickly.


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Hospice at Home Gwynedd and Anglesey is a local community focused charity that cares for patients with cancer and other life limiting illnesses across Gwynedd and Anglesey. We differ from other hospice organisations in that 80% of the work we do is caring for people in their own homes. The remaining 20% is made up from our work in the day hospice and our complementary therapy service. In a largely rural area, caring for people in their own homes better meets the needs of the community in the provision of care.
Gwynedd Hospice at Home was registered as a charity in 1990 following a successful appeal to the general public for £500,000 to establish and provide a 'Home Nursing Service' for patients in the old county of Gwynedd. The service became operational in 1992.
The Hospice Nursing Service is now working within the Department of Palliative Care of the Betsi Cadwaladr University Health Board alongside their Medical and Nursing Colleagues, Occupational Therapists and Physiotherapists, all of whom work closely with the Primary Health Care Teams.
The Charity also provides support to help patients live as actively as possible and to help the family cope during the patients illness. The Hafan Menai Day Hospice is an integral part of this support and this centre is located on the Ysbyty Gwynedd site in Bangor.
In order to provide a more comprehensive service to a largely rural area we support 6 Complementary Therapy clinics and offer transport services for patients to attend the day hospice.


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classic x-men
yesterday, just to keep in touch with my drawing skills, i did a pinup of classic x-men. :)
tomorrow i hope to get back into the swing of sequentials. have to still get #136 out for spectacular spiderman. i think we're planning to go to new york in april. so i def have to try tie up my work before then. i might see if i can try and swing by the marvel and DC offices whilst being there.


text:
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text:
Christian Rock for Muslims
By SAMUEL LOEWENBERG
Published: May 10, 2005
MARRAKESH, Morocco, May 9 - In a sprawling open space alongside the Royal Palace here last Saturday night, Baimik Youness and his friend Salahe Boudde were jumping with excitement, about to see their first American rock concert. The Moroccan students had never heard of the band, Rock 'n' Roll Worship Circus. Nor had they realized that the three-day concert they were attending was a Christian rock festival.
Jonathan Player for The New York Times
"They know we love this music, so they use this music to pass their message," said Mahmoud Zuine, right, a Moroccan student at the fest.
Jonathan Player for The New York Times
Students and Muslims at Friendship
Fest, a three-day concert in
"It's not my business," said Mr. Youness, an 18-year-old Muslim and heavy-metal fan. "I just want to listen to the music."
But Mr. Boudde had a question: "What are 'evangelicals'?"
Last weekend's concert, organized by several American
evangelical groups and the Moroccan government and called the Friendship Fest,
was staged despite criticism from Moroccan Islamic groups and opposition
political parties. Seven American Christian bands alternated with Moroccan
groups. The event drew more than 15,000 Moroccans a day, police officials
estimated, as well as dozens of evangelical Christians from around the
The concert was about more than power chords for Jesus. From the evangelists' perspective, it was an opportunity to gain a foothold in a relatively liberal Muslim country and give religious priorities a more central role into American foreign policy.
"We see ourselves as doing important foreign policy work that the Bush Administration is not doing," said the Rev. Richard Cizik of the National Association of Evangelicals, a Christian-values lobbying group in Washington and one of the organizers of the festival.
"As followers of Jesus, we should, in our civic capacity, work to reduce conflict by promoting international understanding," he said.
From the Moroccan government's point of view, it was a
chance to interact with what is perceived to be a politically influential group
in American politics at a time when the country has been criticized on its
human rights record and continues to grapple with a longstanding dispute over
the status of
Some media commentators in
He was more coy on the political influence wielded by the evangelicals but said, "If it happens that they are strong, it can help."
In fact, one of the evangelical leaders who was behind the Christian rock festival, the Rev. Rob Schenck, who leads the conservative Christian lobbying group Faith and Action in Washington, said that after what he had seen in his meetings with Moroccan officials he would now seek to get evangelicals to reassess their position on Western Sahara and the Sahwaris' political leadership, the Polisario Front. "Evangelical Christians have to be extremely cautious about supporting any group that would sympathize with a socialist or Communist philosophy or world view, which is completely in conflict with an evangelical or Christian worldview," Mr. Schenck said in an interview. He said Moroccan officials had told the evangelical leaders that the Polisario had received Cuban training and aid.
The evangelicals did have to retreat on another front. After criticism from the press and Islamist groups, the Moroccan government canceled a planned conference on Christian-Muslim dialogue that was to have taken place in the week leading up to the rock festival.
One of the country's main opposition parties, Istiqlal, said the evangelicals were trying to use the events as a covert means of conversion to Christianity.
Mr. Doumou played down these fears, saying critics had drawn false inferences from some of festival's early promotional material. One evangelical organizer, Michael Kirtley, had called the event "an expedition for hearts and minds." Mr. Schenk had told The Christian Post, that the evangelicals would "communicate clearly why we personally embrace Jesus Christ." By the time of the concert, however, the evangelicals were watching their words, and there were no references to Christianity in promotional materials or on stage, outside the lyrics of the songs.
Evangelical attendees were given written instructions
by the organizers not to proselytize, which is illegal in
"To play worship music openly in a Muslim
country, this is something that lots of people have been praying for for a long time," said Steve Iliff,
a 44-year-old cook from
Some Moroccans at the concert, like Mahmoud Zuine, a 21-year-old economics student, enjoyed the music but found the Christian component of the rock concert unsettling. "They know we love this music, so they use this music to pass their message," Mr. Zuine said. "It's like a magic way. It's not direct."
But he doubted that many of the Moroccans understood the lyrics. "I laugh because nobody knows what they are saying," he said.


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Yes, more Natalie in audio podcasts! Love hearing her out!
Season 20 was just OK overall. I did get the topics they want to discuss like people praising JJ Abrams for re-inveinting an old franchise by re-using the same sort but with a new coat of paint, our obsessions with nostalgia, gender wars, trolling and the whole "women are smart & funny" trend but there's a lack of focus that doesn't give enough time to really develop the topics they wanted to discuss since the over-arching storyline of the troll wars was stretched beyond relief and it was just unmemorable besides the Rick-Roll moment in the later episodes and Sheila losing herself similar to the South Park movie. If Season 21 is coming, they need to patiently develop the episodes while making sure they can stand on their own, not rush out the entire story arch like they did when they made the episodes for Clinton which we all know backfired right at their faces.
Don't know what else to say but Season 20 is just "eh".


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for personal growth and recovery
Parents play a key role in preventing and responding to bullying. If you know or suspect that your child is involved in bullying, there are several resources that may help.
There are many roles that kids can play. Kids can bully others, they can be bullied, or they may witness bullying. When kids are involved in bullying, they often play more than one role. Sometimes kids may both be bullied and bully others or they may witness other kids being bullied. It is important to understand the multiple roles kids play in order to effectively prevent and respond to bullying.
When referring to a bullying situation, it is easy to call the kids who bully others "bullies" and those who are targeted "victims," but this may have unintended consequences. When children are labeled as "bullies" or "victims" it may:
Instead of labeling the children involved, focus on the behavior. For instance:
The roles kids play in bullying are not limited to those who bully others and those who are bullied. Some researchers talk about the "circle of bullying" to define both those directly involved in bullying and those who actively or passively assist the behavior or defend against it. Direct roles include:
Even if a child is not directly involved in bullying, they may be contributing to the behavior. Witnessing the behavior may alsoaffect the child, so it is important for them to learn what they should do when they see bullying happen. Roles kids play when they witness bullying include:
Most kids play more than one role in bullying over time. In some cases, they may be directly involved in bullying as the one bullying others or being bullied and in others they may witness bullying and play an assisting or defending role. Every situation is different. Some kids are both bullied and bully others. It is important to note the multiple roles kids play, because:
When you, your child, or someone close to you is being bullied, there are many steps to take to help resolve the situation. Make sure you understand what bullying is and what it is not, the warning signs of bullying, and steps to take for preventing and responding to bullying, including how to talk to children about bullying, prevention in schools andcommunities, and how to support children involved.
After reviewing that information, if you feel you have done everything you can to resolve the situation and nothing has worked, or someone is in immediate danger, there are ways to get help.
The problem
What you can do
There has been a crime or someone is at immediate risk of harm.
Call 911.
Someone is feeling hopeless, helpless, thinking of suicide.
Contact the National Suicide Prevention Lifeline online or at 1-800-273-TALK (8255).
The toll-free call goes to the nearest crisis center in our national network. These centers provide 24-hour crisis counseling and mental health referrals.
Someone is acting differently than normal, such as always seeming sad or anxious, struggling to complete tasks, or not being able care for themselves.
Find a local counselor or other mental health services
A child is being bullied in school.
Contact the:
See more on working with the school.
The school is not adequately addressing harassment based on race, color, national origin, sex, disability, or religion.
« Back


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Work is now underway to prepare a new community building in Northfield and a team of young Prince's Trust volunteers have been working hard to help.
'A better place'
The Prince's Trust team have been helping to refurbish the empty space above shops in Price's Square to create a central base for charities and community groups from across Northfield constituency.
The team even managed to convince Birmingham City Council repairs contractor Wilmott Dixon / Fortem to donate kitchen units and tools for the project.
The group have been getting arty with their decorating skills, painting inspirational quotes and images on the walls of the space.
The Prince's Trust team is made up of young members of the local community who all share the same vision, to make Northfield a better place for everyone that lives there.
Community Space
The community space – dubbed 'Northfield House' until an official name is chosen – still has a long way to go but should open some time in the summer.
The empty office space was secured from Birmingham City Council by Northfield Stakeholders Group in January as a way for the community to make use of a building which had been vacant for some time.
The space will be used for different charities with services including a food bank, sexual health advice centre, employability help, arts and even theatre training.
Rebecca Debenham, Chief Executive of Northfield Community Partnership and Vice Chair of Northfield Stakeholders' Group said: "We are incredibly grateful and proud of the work of the Princes Trust 125 Digbeth team and the work that the young people have been doing to bring new life in to a community building that has laid vacant for many years.
"The young people have taken the project very seriously and without their help we would not have been able to make such good progress on the building. They should be very pleased with themselves; they are an outstanding example of community action."
The team have been working hard to ensure the rooms they have worked on can be opened in time for the handover to Northfield Stakeholders Group at 2pm on Thursday 4th May.
Well done, all!
Northfield Stakeholders Group is a growing group of over 40 community organisations and partners with an interest in working together to improve communities in Northfield constituency. If you are a community group or organisation interested in being a part of Northfield Stakeholders Group, find out more by emailing Rev Dave Tubby email@example.com


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After living in the Bay for 7 months, my husband and I decided it was time to visit Yosemite. This was back in June when the weather was beautiful. And yes, we decided to do it in a day. Since we were only going to be there for a day, we knew we couldn't do much hiking and could only really hit certain spots and were okay with that. Plus, hotels were pricey or booked up and it really wasn't TOO bad of a drive roundtrip from where we live. Since we had to get up early for the drive, we ended up not eating breakfast and actually found a McDonald's on the way there where we grabbed a quick bite to eat. Based on the crowd level, it looked like everyone made this stop on their way to Yosemite.
When we finally made it there, our first stop was Tunnel View of course. It was right at the entrance and how could you not stop here? Even though the lighting was harsh for photos, it was absolutely breathtaking and you really just have to go see it for yourself!
After Tunny View, we made our way to Bridal Veil Falls. My husband was a rebel a climbed a few rocks to get closer for some photos, but I chickened out and waited for him. Yes, not very adventurous that day.
After Bridal Veil Falls, we made our way to Cook's Meadow. This spot was so pretty and I loved how the moon was still out when I took my photo.
At this point, we were getting hungry for some lunch and parked our car at one of the shuttle stops to take a shuttle to Degnan's Cafe. This place had decently priced sandwiches that were enough for what we needed to keep on going. From there, we took another shuttle to Lower Yosemite Falls. The shuttles are pretty easy to follow and if you are feeling lost, you can always just ask your driver for directions. The hike to get to Lower Yosemite Falls was fairly easy. Again, my husband climbed up some rocks to get closer and I stayed put. The water fell stronger here than Bridal Veil Falls.
Once we were satisfied with the falls, we took the shuttle back to the parking lot to get our car and then made our way to a spot that looked up to El Capitan. I also walked around the meadow a bit and asked my husband to take a photo of me to show just how tiny I was in comparison to this place.
Our last stop was Glacier Point. This is about an hour away from the park and so we decided to save this for last before heading home. On our way there, we found that there was a road block and all the cars were being re-directed to a parking lot where you then had to take a shuttle that will bring you to Glacier Point. This was unexpected and we kicked ourselves for not going here first because the line for the shuttle probably took about 1-2 hrs. It was crazy, especially because we had our car and were literally 15 minutes away. Anyway, after the wait, we finally got on the shuttle and were driven up to Glacier Point. It was absolutely beautiful up there!
This concluded our day. We headed home, stopped at a Burger King to get a quick dinner and made it back at a decent time, probably around 8ish. We definitely will be coming back. We want to do the hike to Mirror Lake next time for sure. And yes, it is possible to do Yosemite in a day. It's just a different type of trip.


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California Budget and HAMP: Is the Home Affordable Modification Program Helping? California Tax Revenues Falter and Employment Breaks Historical Record.
California is still unable to find the key to job growth. Last Friday new data showed that the California unemployment rate broke through another record coming in at 12.2 percent. Data for August was revised upward to 12.3 percent. Good news right? Well the reason the unemployment rate fell in September was because thousands of Californians gave up looking for work. In fact, employers ended up cutting 39,300 jobs in September alone. The California budget situation is still in a fragile situation. The state has had to contend with $60 billion in budget short falls and already preliminary data shows the state is $1.1 billion behind on recent estimates. These estimates were done with pessimistic expectations and even then, they over estimated the amount of tax revenues they would be collecting.
Source: BLS, EDD
I've compiled the U-6 rate for the state and it is over 23 percent. That is why most people either know of someone that has been let go, has seen their hours cut back, or is one of the over 2 million unemployed in the state. With the state hiking taxes, this impact has been felt by all. Yet California isn't alone. Many other states have seen their tax revenues decline. Unlike the federal government with access to the U.S. Treasury and Federal Reserve printing presses, most states have balanced budget requirements. A recent study shows the massive decline in state tax revenue:
Source: Rockefeller Institute of Government
The reason overall state taxes are falling much harder and faster than local taxes is many states take in a big chunk of money from personal income and sales taxes. California in fact brings in over 50 percent of their revenue from personal income tax. In recessions, the amount collected falls. Combine this with another fluctuating revenue source like sales tax that also declines in recessions and you can understand why the state has had to deal with $60 billion in budget gaps. We are already expecting a budget deficit of $5 to $8 billion depending on what analysis we look at.
Local taxes have faired better simply because of more stable income streams. But even this hasn't protected them completely. Here in California the state has gone to battle with local municipalities in terms of paying on obligations. This is not the way to handle major budget deficits.
For the second quarter of 2009, state tax revenues across all states saw a 16.6 percent revenue decline. This is the largest decline on record dating back to the early 1960s. This is not a typical recession. This is the deepest protraction since the Great Depression. This only adds fuel and a reason to be cautious and suspect of the California housing rebound. The state is going to be left with two options to balance future deficits. Either raise taxes further or cut spending (more job layoffs). Both cases do not bode well for housing.
Let us now shift gears to the Home Affordable Mortgage Program (HAMP). Much is now being made about the "success" of the HAMP program with nearly 500,000 mortgages now in the trial modification period. We have major reasons to doubt this premature success. Let us go into detail why the HAMP program is largely a smoke and mirrors exercise in trying to stem foreclosures.
Let us Smoke some HAMP
On the surface the HAMP seems like a good initiative. Let us try to keep borrowers in distress in their homes. After all, a major reason for our current problems are due to housing so why not work with borrowers? Yet the problem is in the way the program is structured. The way HAMP has been carried out is largely a big extend and pretend program. In fact, HAMP is another reason adding to shadow inventory. Instead of going to another source for data, let us go directly to the HAMP website and get some documents:
Source: HAMP
I always took issue how the program was structured. The essence of the program is the belief that the problem is the interest rate and terms of the mortgage. Yet the real issue is something we all know. The banking industry is the main culprit in setting up this housing bubble and gave loans to people it shouldn't have. Wall Street and banks made billions in profits and when things went bad, they took the taxpayer for trillions. HAMP is actually designed to help the banks, not the borrower.
Look at the guidelines from the site above. First, the borrower needs to be delinquent or face imminent risk of default. That is easy to establish. So what is the solution? Look at the three steps given to us above. Drop rates to as low as 2% and if necessary, extend the term of the note to 40 years. They even give us the option of capitalizing principal to the note. In other words, these are option ARM-lites. This is straight from the program's site. We are even given a document that resembles option ARM terms:
This is provided to us as a sample modification agreement boilerplate. Let us go back to those 500,000 trial modifications. Keep in mind these are trials, the program is too early to show whether this is permanent. JP Morgan announced a $3.6 billion profit last week based on their investment banking and private equity divisions. Losses are still growing in their mortgage holdings and also with their credit cards. In other words, JP Morgan is basically using taxpayer money to play the stock market casino. Forget about traditional commercial banking profits. It is now operating like an investment bank.
It is important to look at JP Morgan because they swallowed up toxic mortgage All-Star Washington Mutual who by the way, made billions in toxic option ARMs here in California. JP Morgan by sheer size has entered into the most HAMP trials by any bank in the country:
This data goes up to the end of September. So 3 million mortgages are estimated to be eligible for HAMP and nearly 500,000 are now in the trial phase. Keep in mind 757,955 offers were sent out. Another brainy move by the U.S. Treasury was allowing servicers to use stated income in allowing for the trial program. That is correct, the same style underwriting for Alt-A and option ARMs is being allowed for entrance into the trial period.
Initially the trial period went for 3 months but is now up to 5 months. I am not making this up:
The announcement of 5 months was recent so it may not show up in some of these boilerplate documents. So what does this mean? We will know success in mid to late Q4 or early 2010. Most of the trial modifications have occurred in the last few months:
So I would imagine that once we move from trial to permanent, many of these will re-default or will not qualify. To move from trial to full mod there is a requirement to vet income. Why not do that now? Good question. It is always good to put quick gimmicks in front of good public policy. A good example of horrible public policy is the $8,000 tax credit. A waste of time brought on by the lobbying arm of the housing industry and politicians with no backbone.
There is also interesting data out on the first trial modifications. Look at the chart above again. 50,130 trial modification were entered into in May of 2009. Even with the 5 month extension, we can now see how many entered the full modification phase. How many went into a permanent modification? 1,711 or roughly 3 percent. Some interesting data on this:
"(HuffPo) Here's why: Permanent modifications under Obama's Home Affordable Modification Program (HAMP) first go through a three-month trial period. Since the COP and Ocwen figures are as of Sept. 1, that means that those permanent modifications entered the trial phase back in April and May. As of the end of May, 50,130 borrowers were in trial plans (there are now 500,000). The low number of permanent modifications is partly due to the fact that "the initial volume of HAMP trial modifications was quite low," the COP noted in its report.
Even at this preliminary stage, the low number of permanent modifications is still shockingly low. Warren's panel said it is "concerned about the low rate of conversion from trial to permanent modifications." Unless the rate increases "substantially… HAMP will come nowhere close to keeping up with foreclosures."
The panel's report discusses possible reasons behind the low conversion rate, including data reporting issues and the failure of borrowers to comply with the program, like making timely payments. One issue stands out: "the difficulties servicers have in assembling completed documentation on modifications commenced on a 'verbal' or 'no-doc' basis."
Yes, not making a payment would somehow be a problem. So let us assume a rate that is nearly twice (5%) that of the early trial modifications dating back to May. This would mean that out of the 500,000 trial modifications some 25,000 mortgages will be helped! $75 billion to help 25,000 mortgages? This is insane! This is like the $40,000 per house that taxpayers ended up footing because of the $8,000 tax credit. In fact, let us be generous here. Let us assume all the 3 million loans in the target range get a trial modification and 5 percent go into the permanent phase at the higher rate. We are talking about 150,000 mortgages. So do the math:
$75 billion / 25,000 = $3,000,000 / for each fix
$75 billion / 150,000 = $500,000 / for each fix
Dr. HB back of the napkin solution
$75 billion / 500,000 = $150,000 / for each fix
This is nuts. I even ran a back of the napkin scenario that does better. It is simple. The median home price in the U.S. is $170,000. How about we pick all loans that fall under this number, see if they are delinquent, and then flat out pay off 500,000 of these mortgages via a lottery system. I'm not even sure where all this money is going. If we only have 1,711 loan mods and basically all they are doing is lowering the interest rate and extending the terms, something has to give. Oh yes my friends! It is another crony handout to the banks. Let us look at some documentation provided to banks/investors to entice them to enter this program:
What an absolute waste to basically extend and pretend. Keep in mind that principal reduction is basically absent in any of these loan modifications. Yet right off the bat, even when a borrower can "make things up" to enter the trial period the servicer is paid! Paid for what? We already know the current success rate is only 3 percent. Are we to expect a sudden jump over the months? Even at 10 percent we are wasting money at the front end. We would have better success just doing a lottery of delinquent loans and paying off 500,000. I assure you we are not going to have 500,000 permanent loan mods given these current measures unless something drastically changes. Also, you can modify all you want but unless we start seeing some job growth, what are people going to pay their mortgage with?
Now keep in mind I'm not advocating for the lottery option. This is an extreme example to show where the money is being wasted. But also, big banks love this. Why? Because these loans are still held on the books at full face value. That is right, banks can extend and pretend and buy some time, another 5 months by simply extending the trial period to a large number of loans – they don't even have to check for income. Think that JP Morgan profit would be so huge if it had to deal with those 437,000 mortgages that are 60+ days late? You can bet that with WaMu and California lending, they probably have a ton of $500,000+ mortgages that are going to go bad when the option ARMs recast next year.
Either way, HAMP is simply another handout to banks. So far we only have 1,711 permanent modifications. Banks are laughing at Washington D.C. They did with the last administration and the current one. Why not just go in and claw back those profits and clean house? Why not tax bonuses on Wall Street up to 90 percent? After all, they should be thankful because they would be gone without the taxpayer. And who really knows if the loan mods won't re-default since we don't have that data. But data from the OCC and OTS shows re-default rates of 50, 60, or even 70 percent depending on the loan category. Even if all these mods go permanent, all you are doing is extending the problem. The rate eventually will go up. But they are betting on what, another housing bubble?
Policy has gotten so bad that we might as well do a lottery. Seriously. A random Vegas style lottery would have better results. What a joke. Banks are controlling this country and policy. HAMP is $75 billion in the scheme of trillion dollar bailouts but the amount of loans that are now being shelved for another 5 months is a lot larger. In other words, it is another way for banks to hide losses.
After seeing things like this you might need to role one and smoke some HAMP.
Did You Enjoy The Post? Subscribe to Dr. Housing Bubble's Blog to get updated housing commentary, analysis, and information.


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Thanks to viewer Brian for emailing us about this parlor:
"I'd like to recommend C.J.'s Big Dipper ice cream parlor in Bar Harbor, ME. They make their own soy-based vegan ice creams in the store, and always have 3-4 flavors of dairy-free ice cream ready to go. You can even buy it by the pint! It's some of the best soy ice creams I've had. And you can get it in a cup, on a cone, in a waffle bowl, anything you'd like!"
To note, I read some other reviews on this place, and the ice cream sounds fantastic, but they reportedly only take cash (no credit or debit) and aren't the cheapest, so make sure your wallet isn't empty when you head there.
Location: 150 Main Street, Bar Harbor, ME
Phone: 207-288-2128
FaceBook page: www.facebook.com/pages/CJs-Big-Dipper/149183641776929


text:
* Your list is public by default.
Alternative Titles
English: Deltora Quest
Japanese: デルトラクエスト
Type: TV
Episodes: 65
Status: Finished Airing
Aired: Jan 6, 2007 to Mar 29, 2008
Premiered: Winter 2007
Broadcast: Unknown
Producers: Geneon Universal Entertainment, Dentsu, Genco, Kodansha, Half H.P Studio
Licensors: Flatiron Film Company
Studios: OLM
Source: Book
Duration: 25 min. per ep.
Rating: PG - Children
Score: 7.091 (scored by 5,587 users)
1 indicates a weighted score. Please note that 'Not yet aired' titles are excluded.
Ranked: #33652
2 based on the top anime page. Please note that 'Not yet aired' and 'R18+' titles are excluded.
Popularity: #3318
Members: 16,348
Favorites: 100


text: "Brought to you by Unam Sanctam Catholicam. Do the Bible and Christian Tradition allow for any acceptance of homosexual actions? This video answers this question with a resounding 'no', addressing common objections including: homosexuality and the Old Testament prohibition on eating shellfish, St. Paul's condemnations of homosexual deviancy, the Catholic saints on homosexuality, the biological ordering of sex to procreation and more."


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Can Cau is a busy market which is held every Saturday and is organized in business practices of Dao people. Located just 9 km south below the Chinese border, it is a colourful and vibrant market. You will find different minority peoples such as the Flower H'mong (Red H'mong), Nung, Phu La and even Chinese people from across the border. Their travel is often made by horseback as a way of carrying the heavy loads to and from market.
How to go to Can Cau Market
It's hard to find foreigners in Can Cau, compared than other places or markets in Sapa, because you have to spend a large journey to come there. either with a small tour group with a private driver or, you can find more adventurous people, who make the path on the back of a motorbike.
From Lao Cai province, along the national road 4D, visitors will come to Bao Thang district, Lao Cai province. It is far about 100km from the market to Lao Cai city to the northeast, so it's a 2 hour drive. Down the 4D Highway from Lao Cai City, tourists will reach Phong Nien commune, Bao Thang district, Lao Cai province. Keeping driving along 153 Provincial Highway through Bac Ha town, tourists will set foot in Can Cau Market. If you want to go with public transport, the buses only run at 08:00 or 09:00, that likely means an overnight stay. The bus back from Can Cau to Bac Ha is at 14:00.
From Sapa, you have to spent a 3 hours drive. So you really have to wake up early and spend a lot of time in the road, so this option it's not the most recommended. One good option, could be travel this market, make an overnigth in Bac Ha and visit Bac Ha Market on Sunday.
Through the town of Bac Ha, tourists will come to the Can Cau fair. From a distance, the fair of Can Cau is very beautiful and vivid. The fair has meeting along roadside 153-the only road connects the town with the town of Si Ma Cai. There have terraced fields around the market with the majestic mountains.
Schedule and what you can find in Can Cau Market
As you would expect, the market starts early, around 7:30 am, and closes in the early afternoon so you will want to make an early start to get the most out of the experience.
By 9 am, the market is crammed to capacity. It's lively and surprisingly fun. The locals are mostly of the Flower Hmong minority group. You can't miss them and their traditional costume of green checked headdress and multi-colored, meticiculosly stitched and layered garments are simply stunning.
All kinds of goods are traded here, from fabrics to various types of livestock to the powerful local corn wine.
The market is divided into separate areas for all kinds of items. Those goods such as: vegetables, herbs, spices, utensils and other products, which shows the talent of women. However, the most striking is the area where sell livestock because the H'Mong and Giay love livestock and want to select the best cattle. The atmosphere in this area is very vibrant; buyers, sellers have the deal.
Besides, the area for the traditional food of people is quite exciting. Having a multitude of different sounds, visitors will have chance to sit down and enjoy the ethnic cuisine of them. Of all the dishes in Can Cau market, "thang co" will be the most favorite cuisine of ethnic. This dish is combined all kinds of organs of some animals such as: pigs, cows, buffalo…


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Steve Aoki & Boehm – Back 2 U feat. Walk The Moon
Been so busy!
I am back home (YAY!). But been crazy jetlagged, and busy prepping for my dear HJ's bridal shower. I'm hosting…so…lots of pressure, even though it is a laid back, low key event.
Anyway, songs like this need to keep me moving. So, I'm glad its playing. Even at 3:30am, when I am cleaning. Yes, I am currently cleaning. A nightmare…My scheduled plan was to be done Thursday evening, but my jetlag would not permit it. Let's hope the event goes well :)