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First of all, sorry I have been MIA!!
I have fallen victim to the trendy green smoothie! I have always been the one to say,"I don't enjoy drinking my calories!" Nothing is more disappointing to me than slurping up 300-400 calories for a sadly small smoothie. Not to mention the lingering starvation I feel about 10 minutes after consuming.
Lately, everyone in our office is whipping up fun green smoothies and I finally gave it a try after my coworker Lisa gave me half of hers. It was so good and actually kept me full as a large snack would. I figured out you just have to have a good balance of protein and carbs to make it filling. Before I was always trying to make my smoothies as low calorie as possible, which should have been clear to me why I was never full after them. Blended up ice and an apple and spinach isn't going to cut it!
I was then set on finding a way to have my smoothie and drink it too. Once I decided that as long as you are wise with your ingredients, you can have a decent sized smoothie for a fair amount of calories. It's important to measure your ingredients, make it high in protein, and of course add your greens. I promise, if you make it correctly, you will not taste your greens! My favorite is spinach and a tiny bit of kale… so good for you and hidden, promise!
There are tons of ways you can make a green smoothie — it's so simple to sub in and out things you don't like. But below is a basic recipe I think you will like! This smoothie yields close to 30 oz and has less than 250 calories! Yay!
220-Calorie Green Smoothie
1 serving
Makes 28 ounces
220 calories, 4g fat, 438mg sodium, 37.5g carbs, 7g fiber, 23.5g sugars, 13g protein
1/8 tsp. cinnamon, if desired
Combine all ingredients in a blender and blend on high speed until smooth.


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subset: commoncrawl


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Latest News
Entertainment Diary - Thursday
FRI, Sept 29
Kingston & St Andrew
Ribbiz Signature Fridays, at Ribbiz Ultra Lounge, Barbican Centre, starting at 9 p.m. Featuring DJ Paul Michael. No cover charge. Dress code enforced.
SAT, Sept 30
St Catherine
Kelly Upsetter presents Fashion Night Out, at Royal View Entertainment Complex, Portmore. Music by Chub Roc, Boom Boom, Bumpy Cash, Glen Stinger, and Hattaklaps. Admission: $1,000.
Kingston & St Andrew
Mello Vibes at Mas Camp, Stadium parking lot. Music by DJ Nicco, Collin Hines, Krazy Kris. Pre-sold, $1000; gate, $1,200; VIP (drinks inclusive), $3,500; ladies $600 before 11 p.m.
SAT, Oct 7
Ouch Snazzy Legacy, at Ronnie's Block Factory, Chudleigh, Christiana. Music by Bishop Escobar, DJ Kentucky and Niney Badness. Admission: $500.
SAT, Oct 14
Shawna presents her birthday bash called Mi Na Affi Wear Black Fi Bad Me Inna All White, Glow Edition, at Paris Ville Nightclub. Music by Ricky Fresh, DJ Diby, DJ Cat, and Sherlock. Admission: $300.
Rico and Team Kick Out present Kick Out, at Rose Hill. Music by Niney Badness, Micetro, DJ Blazy, Jerry Kruga, G Snoop, and Energy Zone. Food and refreshments on sale.
SUN, Oct 15
St Ann
Aquatica First Anniversary, Igloo Edition, at Columbus Park, Discovery Bay. Music by Hyperactive Sound Ja, Sir Maphead, and Coppershot.
SAT, Oct 28
Kingston & St Andrew
Marlene Dancing Queen presents her birthnight bash called Gold and White 50th Edition, Only the Strong Survive, Too Blessed to be Stressed, at 14-16 Slipe Road (beside Bobby the electrician and Unipet gas station). Music by Assassin Disco, with DJ Crew and guest selector. Food, soup and cake on the house.
SUN, Oct 29
St Elizabeth
Riviera: All-White Edition, at Beach Front, Black River, from midday to midnight. Food inclusive. Admission: $3,500.
Kingston & St Andrew
Y Dem A Change Dat Plan - Part 5, at 11 Grove Road, Kencot, Kingston 10. Music by Stone Love with Alanzo Hawk. Admission: $300.
Construction Halloween Part Two, Costume Edition, at Garvey Youth Club, South Side. Special guests: Turbulence and friends. Music by Mello Mix Sound, DJ Chip, Brown Ross, Fire T and Metro Graphic.


text: Millions more Americans hit by government personnel data hack than previously estimatedTotal of 22.1 million people were affected – almost 7 per cent of U.S. populationBy Patricia Zengerle and Megan Cassella07/10/2015|hrreporter.com|Last Updated: 07/10/2015 WASHINGTON (Reuters) — Data breaches at the U.S. government's personnel management agency by hackers, with suspicions centering on China, involves millions more people than previously estimated, U.S. officials said on Thursday.The Office of Personnel Management (OPM) said data stolen from its computer networks included Social Security numbers and other sensitive information on 21.5 million people who have undergone background checks for security clearances.That is in addition to data on about 4.2 million current and former federal workers that was stolen in what the OPM called a "separate but related" hacking incident. Because many people were affected by both hacks, a total of 22.1 million people were affected, or almost seven per cent of the U.S. population.The breach had already been considered one of the most damaging on record because of its scale and, more importantly, the sensitivity of the material taken.Those exposed included 19.7 million who applied for the clearances — current, former, and prospective federal employees and contractors — plus 1.8 million non-applicants, mostly spouses or co-habitants of applicants, the agency said.Lawmakers from both parties demanded OPM Director Katherine Archuleta's removal. House of Representatives Speaker John Boehner, a Republican, said PresidentBarack Obama "must take a strong stand against incompetence in his administration and instil new leadership at OPM.""The technological and security failures at the Office of Personnel Management predate this director's term, but Director Archuleta's slow and uneven response has not inspired confidence that she is the right person to manage OPM through this crisis," added Virginia Democratic Senator Mark Warner.Archuleta said neither she nor OPM chief information officer Donna Seymour would be resigning. "I am committed to the work that I am doing at OPM," Archuleta told reporters during a conference call. "I have trust in the staff that is there."The White House said Obama retains confidence in Archuleta.Chinese roleThe United States has identified China as the leading suspect in the massive hacking of the U.S. government agency, an assertion China's Foreign Ministry dismissed as "absurd logic."Asked during a conference call with reporters on Thursday whether China was responsible, a White House National Security Council official, Michael Daniel, said "we're not really prepared to comment at this time on the attribution behind this event."Daniel, special assistant to the president and cybersecurity coordinator at the National Security Council, said that "at this point the investigation into the attribution of this event is still ongoing and we are exploring all of the different options that we have."OPM said the stolen personal identification data included: Social Security numbers; residency and educational history; employment history; information about immediate family and other personal and business acquaintances; and health, criminal and financial history. Also stolen were about 1.1 million fingerprints, the agency said.Since they were revealed last month, the hacking incidents have alarmed the millions of Americans affected. OPM said in a statement that its investigation had found no information "at this time" to suggest any misuse or further dissemination of the information stolen from its systems.OPM said it is highly likely that anyone who went through a background investigation after 2000 was affected by the cyber breach. Those who underwent background checks before 2000 might be impacted but it is less likely, the personnel agency said."Rather than simply place blame on the hackers, we need to acknowledge our own culpability in failing to adequately protect so obvious a target," said the top Democrat on the House of Representatives intelligence committee, Adam Schiff.The Social Security numbers are just the tip of the iceberg.The critical information, which was not encrypted, involves a complete rundown of the personal lives of some 90 percent of applicants for security clearances, mainly excepting most undercover CIA agents.That includes drug use, romantic histories and close friends abroad of those in the military, National Security Agency (NSA) and sensitive State Department posts, among many others, essentially a road map for what weaknesses might be used for blackmail by a foreign power.Though not attributing the attack in public to China, investigators have told Reuters that their prime suspect is a team tied to that nation's Ministry of State Security. The evidence includes a specific piece of malicious software and the use of a stolen digital certificate, both of which had been seen in only a small number of attacks that had been tied to the same group.Dmitri Alperovitch, chief technology officer at security firm CrowdStrike, said his company's analysis of data about the breach provided by the government made it clear that one or another part of the Chinese government directed the hacking."It's a tremendous coup for China," Alperovitch said.RELATED ARTICLESProtecting employee privacy when it comes to data-driven insightsRules tighten for reporting data breachesRecording employee misconduct© Copyright Canadian HR Reporter, HAB Press. All rights reserved. Add Comment * Title * Name * Email Anonymous * Comment


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Level A: First Financial 1899 Room Air-Conditioned Box Seats
Exclusive Features
The First Financial 1899 Room air-conditioned box seats feature access to a indoor restaurant and bar with a total of 7,100 square feet. You won't miss a minute of action or a meal, all without leaving the comfort of this air-conditioned area.
These extra-wide 252 stadium seats sit behind glass from the coveted baseline-viewing angle and are presumed to be the first in professional tennis.
Prime location
You won't want to miss this up-close view of Center Court.
Stay cool
Enjoy all the action (and a meal or two) in the comfort of an air-conditioned club exclusively for air-conditioned box seat holders only.


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What is more comforting than a bowl of hot soup!!
Soup is something that my hubby can have anytime, no matter what the time of day it is. His favourite on the list of soup is "Sweet and Sour Vegetable Soup"….Yes, You heard right! It's not the regular Hot and Sour Vegetable Soup but a slightly different version of it. It not only tastes yummylicious, but is also healthy being loaded with tons of vegetables. Its full of flavours which burst in your mouth with the perfect blend of veggies making it even more enjoyable.
Try it yourself and I bet you will fall in love with the spicy, sweet and tangy combination of the sauces along with the veggies
Onion – 1 Small, Thinly sliced
Garlic – 1 tsp, minced
Ginger – 1 tsp, minced
Carrot – Two, Finely Chopped
Bell peppers -One, Finely Chopped
Green Beans – 1/4 cup, Finely Chopped
Cabbage – 1/2 cup, Finely Chopped
Cauliflower – 4 to 5 florets, Finely Chopped
Vegetable Stock (You can also use water if you don't have Vegetable Stock) – 4 cups
Noodles – 1 cup
Soy Sauce – to taste
Green Chili Sauce – to taste
Tomato Sauce – to taste
Black Pepper Powder – to taste
Vinegar – to taste
Corn Starch – 1 to 2 Tbsp
Spring Onions – 3, Finely chopped
Salt – to taste
Note : I chop the vegetables in the chopper which saves me a lot of time
– Heat Oil in a pot.
– Add Onion, Ginger and Garlic to it and saute for few seconds
– Add in all the vegetables and saute for a minute or two.
– Now add in the Vegetable Broth/Water, Salt, Black Pepper Powder, Noodles, Soy Sauce, Vineger, Tomato Sauce and Chilli Sauce
– Once the mixture comes to a boil, simmer down the heat and let the noodles cook. Do not overcook the noodles.
– Mix few teaspoons of water to the Corn Starch in a separate bowl and add it to the soup (You can adjust the amount of Corn Starch based on how thick you want the soup to be). Bring to boil once more and then take it off the heat.
– Garnish with Spring Onions
Serve hot and Enjoy!


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I am eternally grateful to Little Foot Nursery for being understanding and amazingly flexible. We wouldn't manage without you, your worth your weight in gold.
Welcome to Big Foot Out Of School & Holiday Club
Big Foot is the place to 'chillax', with a real bedroom feel the children can return to their space after a busy day at school and take their time to enjoy the activities on offer.
They can experience the thrill of full body gaming such as virtual rally ball, cloud surfing or even join in a game of volley ball on the sun kiss beach, on the kinect. There are a selection of books and games for some quiet time and the computer with internet access for any research to help with homework.
Take a visual adventure to Hogwarts with Harry Potter or the world of ice staking with the Ice Princess viewed on the flat screen plasma tv.
There is always a lot going on in this small, but exciting room. The Practitioners is always busy planning new and cool creative activities. There have also been some themed nights such as India and Chinese where the children and staff dressed in traditional dress and tried same traditional dishes for their evening meal.
© 2019


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Yes, I am Lactose-Intolerant. Yes, I deserve yummy food too! Since becoming dairy-free I have realized the difficulty it causes when going out for dinner or going to coffee shops or even cooking at home. While making smoothing is a simple task, it is a really great way to enjoy something yummy and delicious while avoid pain lactose can cause and being really healthy! The following recipes are all vegan safe.
Continue reading "Vegan Smoothies! | Great Drinks Without Dairy"


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Spring will be here soon, and gardening is on my mind. Garden Trading is a great source for practical yet stylish accessories for the home and garden.
Look at this rattan planter - planted here with lavender - stunning!
The Kingham planter looks great with a shaped boxwood.
Garden Trading has some really fun containers. Fresh apples, anyone?
Garden Trading has a great assortment of kitchen items as well.
Love this egg basket!
Here's a very cool apple peeler.
This rectangular cake stand is pretty and functional. Garden Trading sells a round cake stand as well.
Numbered ceramic bowls - what fun!
Be sure to check out Garden Trading's online store for garden, kitchen, lighting, and furniture here.
This is a sponsored post for Garden Trading.


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A vehicle crossing, or dropped kerb, is when a kerb is lowered and the footpath strengthened, to let vehicles move between roads and properties.
If you'd like to build or extend one of these, you'll need permission from Essex County Council.
You will need:
Apply online
If you have any questions, please refer to the Frequently Asked Questions below.
Click on the question to reveal/hide the answer:
Once we have received your completed application(s), we will process your payment and arrange for an inspector to visit the proposed site. The inspector will carry out all the necessary checks against the criteria, and a decision will be made to either grant preliminary consent for the vehicle crossing, or to decline the application.
Vehicle crossing applications can be declined for a number of reasons, for example: - Proposed site does not meet the criteria - Insufficient frontage at proposed site - Poor visibility - Proximity to existing street furniture (i.e. street lights, bus stops etc.) We will contact you to explain our reasons for declining an application.
In 2009 the criteria by which we grant permission for vehicle crossings changed. Unless your application meets the current criteria requirements we cannot grant permission for a vehicle crossing.
Providing your application has been granted preliminary consent, the process can take several weeks to complete. Essex County Council will need to obtain full details of any street apparatus and utilities in the proposed vehicle crossing location; this is known as a 'Stats Request'. Your application will be on hold until we've received this information, and we will provide you with an estimated timescale for how long your application is likely to take. Once this stage is complete, you will receive a copy of the Stats along with additional information for you to pass on to your contractor. Your contractor will then liaise with us to agree the start date. On occasions there will be certain conditions that must be met by both you as the applicant and your chosen contractor. One of our inspectors will attend site following completion of the works to ensure these conditions have been met.
As part of the initial inspection process, our inspector may decide that a vehicle crossing can be approved with some minor changes to the original request, for example, a reduced number of flat kerbs. The approved layout and design of the crossing will be detailed in our communication with you.
You may choose any contractor to undertake the work as long as they are suitably qualified. A list of the requirements can be found below. You will need to obtain this information from your contractor and forward to us for checking before we can allow them to work on the highway. We reserve the right to refuse contractors from working on the highway if we feel they are not competent. A contractor can be found using a number of sources including an internet search, your own knowledge or word of mouth.
Contractor Requirements:
Valid £10 million public liability insurance.
All site workers to be NRSWA* accredited to Operative level with at least one of the gang accredited to Supervisor level either based permanently on site or available to visit site at any time. (*New Roads and Street Works Act 1991)
All contractors staff working on site must adhere to the prescribed PPE requirements.
You have three months from the date stated on your approval letter to have the works completed. Your contractor must return a Start Notice to us (a blank copy is provided in your documentation) stating the proposed start date of works at the agreed location. We will only be able to agree to the relevant permit to work on the highway once we have received this. If the work is not carried out within this 3 month period, the 'Stats Request' information will be out of date; a new request for these will need to be submitted. Again, this will take several weeks to complete and works on the highway will not be permitted until we have received the updated information. If the works are not completed within 3 months of the date on your approval letter you must contact us for advice on 0345 603 7631.
If you are unhappy with the quality of work undertaken by your chosen contractor, you will need to discuss this with them directly.
A few weeks after the work is completed, one of our inspectors will attend the site to ensure that the vehicle crossing meets the specification and conditional requirements. If the inspector finds that the vehicle crossing does not comply with the specification/conditions set out in our approval, we will contact both you and your contractor. It is your contractor's responsibility to rectify any defects which are highlighted, and further checks will be carried out to ensure this has been completed.
If a vehicle crossing is required for disabled access to a property, an assessment may need to be carried out. Contact our Adult Social Care Team for further information.
© Essex County Council 2019


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At the Lyon house, I was with the leadership team, Catherine from France, Cicely from India, and Maria Elena from Mexico. Cicely had recently returned from a visit to the Ivory Coast. They were eagerly awaiting the return of Rita from Egypt. Conversation about international presence were rich. ( See the global map of the Sisters of St Joseph on the International Center website centreinternationalssj.org
|View from train to Le Puy
|A decorative tree at St Etienne
Cicely was especially interested in how we can make a more powerfu impact at the United Nations through our NGO there. I was able to share our upcoming plans for the Justice and Peace International Commission meeting in April 2014. At that meeting, sister-representatives from around the world will begin working with our new Congregations of St Joseph declaration on systemic change for sustainable development. We will learn how to use the UN tool for monitoring progress on human rights issues, the Universal Periodic Review. Also, we will meet with the UN representative delegate from our countries to begin an even closer woking relationship. The soon to be released CSJ-UN-NGO website will give us a vehicle to tell our global story in five languages.
The day is now drawing to a close and I am returning from Le Puy to Lyon. I had a new experience navigating a shift from the train to the bus (trains don't run as frequently on Sundays). It was really quite simple but was a little scary for me before I did it. No problem and no big need to speak French. However, it is towards the end of the day so I am at my maximum fluency (that is not saying much). I was able to see the progress being made on the renovations at the International Center and discuss new outreach/marketing plans for the International Center in Canada and the US with the staff, Line and Valerie. While there I had a brief encounter from two faculty from the school started by the Sisters of St Joseph in Le Puy to explore opportunities for developing a closer working relationship with Sisters of St Joseph schools around the world.
There are so many opportunities for us to explore and live more fully our international connections. I really look forward to these opportunities to gather with our international sisters


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Fast Fix: Pawlenty's flaw-less strength (VIDEO)
The knock on former Minnesota Gov. Tim Pawlenty's chances of winning the 2012 GOP presidential nod is that he is just "too nice" -- not a charismatic enough figure to get voters excited enough to vote for him.
But, every candidate weighing a run for the Republican presidential nod has at least one major flaw -- many of them larger than Pawlenty's alleged charisma deficit.
So, could Pawlenty's lack of major weaknesses actually be his greatest strength in the nomination fight?
We explore that idea in today's episode of the "Fast Fix".
And, don't forget to check out all of our "Fast Fix" videos here. And, if you have a topic you want to see us break down in "Fast Fix" just email firstname.lastname@example.com with it.
Chris Cillizza
| March 11, 2011; 1:30 PM ET
Categories: Fast Fix
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We are members of ABTA and are therefore obliged to maintain a high standard of service by ABTA's code of conduct. Many of the flights and flight - inclusive holidays on this website are financially protected by the ATOL scheme. But ATOL protection does not apply to all holiday and travel services listed on this website. Please ask us to confirm what protection may apply to your booking. If you do not receive an ATOL Certificate then the booking will not be ATOL protected. If you do receive an ATOL Certificate but all the parts of your trip are not listed on it, those parts will not be ATOL protected. Please see our booking conditions for information or for more information about financial protection and the ATOL Certificate go to www.atol.org.uk/ATOLCertificate
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Fantastic service.


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Unless you've been hiding under a rock - or at the bottom of a bucket of Beaujolais - you can't fail to have noticed that Dry January is doing its thing once again.
But, judging by the completely unscientific method of scanning my Facebook and Twitter feeds, the annual booze-free fundraiser seems to have rolled around this year in a distinctly quieter and less braggy way.
A couple of years ago, every other person in the street seemed to have declared themselves a "Dryathlete" and be demanding sponsorship. However, in 2016 there just seems to be a handful of people embracing the concept – or they've realised the silliness in boasting about being sober for a month.
Good. Being alcohol-free for a month is undoubtedly a fine idea, as it saves money, can lead to the loss of extra festive pounds, is proven to improve sleep and – perhaps most importantly – can remind people you don't need to be merry to have a good time.
Dry January also raises cash for Alcohol Concern, surely a better place to direct money that might otherwise have been spent on Stella.
But while people staying dry for 31 days is all well and good, it's the social media boasting I can't stand. Around nine per cent of men and four per cent of women in England show signs of alcohol dependence, according to the NHS.
Chances are, the person craving praise for their strength in buying an alcohol-free Erdinger rather than craft beer isn't one of them.
Dry January, for me, falls into the same bracket as those old clichés of January gym-joining.
People wanting to improve their health is great thing, but you can't really expect friends to care much– especially when they suspect that, come February, the chia seeds will be festering at the back of the cupboard, the trainers dumped by the back door, and you'll once again be spending your evenings watching Netflix documentaries with a bottle of red.
I fully acknowledge my scepticism might be, in part, due to my being sober since ast May due to having a baby on board. One month is nothing, so-called Dryathletes. Come and talk to me when you've done nine months of it, while carrying the equivalent of several bags of potatoes around your middle.
As a budding expert in sobriety, I also have a little tip for dry Sheffielders this January – drop into Fermental, in the Moor Market. It's a new stall specialising in fruit wines and spirits, but also does a very fine range of alcohol-free cocktails. Which, if you are genuinely struggling with staying off the drink, might make those wine-free evenings taste just that little bit sweeter.


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Noor finished her 500 hrs teacher training at Svahayoga in Amsterdam (Jivamukti/Iyengar style), since then she teaches and practices wherever and whenever she can. In the meantime she did more than 300 hrs in Bikram yoga and also took a lot of workshops from Clive Sheridan, Sheri Dyer (Bikram)(Shive Rea style), Vijay (Dharamsala India) David Lurey and thereby she visits India often to update her knowledge. Besides she did many private lessons with amazing Nianna Bray. She also adores the teachings by Amnyi Trulchung Rinpoche from Tibet. Besides being a yoga teacher she graduated in history, has her own boutiquestyle travel company and is an avid traveler since childhood with lot's of energy and always a big smile on her face.
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MANY, if not most, of the major American Realist novelists in the first half of the 20th century were, by birth or breeding, Midwesterners: Theodore Dreiser, Sinclair Lewis, Willa Cather, Ernest Hemingway, F.Scott Fitzgerald. In the second half, a large number of the nation's important writers -- literary critics, journalists and sociologists, as well as novelists -- were Jews. It was Saul Bellow's good fortune -- and the source, perhaps, of a portion of his greatness -- to have been both Midwestern (bred if not born, that happened in Canada) and Jewish.
Not that he put much stock in the determining power of origins or traditions. One of his first literary acts was to alter his name, from Solomon Bellow. But the act of creating a new identity is equally a prerogative of the sons of the heartland and the children of immigrants, and Bellow was almost unique among writers in claiming this double birthright. Recall the first lines of "The Adventures of Augie March," one of the boldest and most memorable beginnings in literature:
"I am an American, Chicago born -- Chicago, that somber city -- and go at things as I have taught myself, free-style, and will make the record in my own way: first to knock, first admitted; sometimes an innocent knock, sometimes a not so innocent. But a man's character is his fate, says Heraclitus, and in the end there isn't any way to disguise the nature of the knocks by acoustical work on the door or gloving the knuckles."
A bit later, Augie says, "My own parents were not much to me," making clear that this will be his story, a story of self making rather than of inheritance. The freedom and self-confidence blowing through these sentences -- the bluster, the slightly show-offy diction, the chutzpah -- marked the beginning of something new for Bellow and also for the American novel. "Augie March" was his third book but his first fully to deserve the adjective Bellovian, a word able to encompass both the vulgarity of big cities and the wisdom of Greek philosophers. In "The Victim" and "Dangling Man," composed under the influence of European existentialism and in the shadow of World War II, the protagonists are hemmed in and hung up, anxious and abused, anything but the masters of their own fates.
Augie and the men (and they were always men) who followed were not case studies or allegories but vital, unmistakable individual characters in both the literary and the vernacular senses of the word. They could be annoying, self-deluded, neurotic, impossible in a hundred different ways, but they were always real, and the novels that sustained Bellow's reputation bore their names: "Herzog," "Henderson," "Mosby," "Sammler," "Humboldt," "Ravelstein."
Not that their labors of self-realization (to use therapeutic jargon Bellow would have mocked) were altogether heroic. Bellow's heroes were plagued by frustration and failure -- beleaguered by ex-wives, bad luck, disloyal colleagues, random crazies and the hectic, busy, disappointing rhythm of modern urban life.Continue reading the main story
These characters are unthinkable outside of the cities that tormented them, and in this they became something of a lost tribe. The postwar American novel resembles, for the most part, a suburb, populated by standardized ciphers who dream of becoming characters and wonder (along with their readers) why they can't quite succeed.
But Bellow's books, refusing to flee the cities -- even in the face of nihilism and social crisis -- are like cities unto themselves: densely populated, often messy and full of the contradiction and cacophony that make up the true noise of civilization. Many of these books -- the best of them: "Augie March," "Humboldt's Gift," "Herzog" -- can feel unwieldy, overpopulated, lacking clear boundaries. But then again, so can Chicago. Like the great American metropolises, Bellow's big novels have a way of making every place else feel puny and dull, characterless in comparison.
Even though his novels were thick with companionship and were, themselves, such rich and surprising company, he was also a somewhat lonely figure, not in his personal life but in the landscape of American letters. He had no shortage of admirers, of course, and a few peers, but not many followers. (His most visible and self-declared heir is Martin Amis, an Englishman.)
Just as he resisted the American novel's flight to the suburbs, he also stood indifferent to the political grandstanding, ethnic sentimentality and magpie historicism that preoccupied so many other writers. He was often funny but never ironic in the attenuated, timid postmodern sense of the word. He had political opinions and allegiances, some controversial, but his mind leaned away from abstraction toward the inexhaustible strangeness of life, toward an ideal of the novel not as a form or a tradition but as a vessel of personality.
Alfred Kazin, his longtime friend, put it nicely: "The great thing was Saul's talent for the literature of direct experience. Every day, I saw intellectuals clever enough to make the world over many times. Yet Bellow, who had been brought up in the same utopianism and was himself a nimble adept of the University of Chicago style, full of the Great Books and jokes from Aristophanes, would obviously be first and last a novelist, a storyteller, creating new myths out of himself and every other intellectual he had ever known, fought, loved, hated. This loosened the bonds of ideology for the rest of us."
By "the rest of us," Kazin, thinking back to the early 1940's, means the passionate, contentious band of intellectuals, mostly Jews, who were emerging from the political fevers of the previous decade. But his words provide an apt epitaph in our own time, when the bonds of ideology threaten to strangle what remains of our civility to say nothing of our literature. The rest of us Bellow readers can take heart from his imperfect, immortal strivers, arguers, dreamers and failures and learn, once again, to go at things our own way.Continue reading the main story


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Manchester United winger Angel di Maria has insisted that he's prepared to fight for the club's shirt ahead of this weekend's Manchester derby, reports ITV.com.
The Argentine winger, who joined the Red Devils this past summer from Spanish giants Real Madrid, has enjoyed a fine start to his Old Trafford career, and he seems in determined mood ahead of tomorrow's showdown with the Premier League champions.
United pride
As well as insisting that he's prepared to defend the club's pride, he's revealed that there will be no friendships on the pitch, despite the fact that he will be playing against some of his fellow Argentine international teammates.
Ahead of the derby, the winger told reporters: "We've got good friendships over the years and no matter what the colour of your shirt, you still see each other socially.
"I think it's right to say 'hi' and greet each other [in the tunnel] whether it's an ex-team-mate or a good friend. I think that's normal.
Related articles
- Toure hails Angel Di Maria the signing of the summer
- Angel Di Maria confirms desire to return to Rosario Central
- Angel di Maria left Real Madrid over pay demands
"There are no friendships out on the pitch. Once you're on the field, you forget all that. Everyone, no matter which side you are on, is fighting for the shirt. You are defending the pride of your colours."
Will he star?
Di Maria, then, will be hoping to impress against the Citizens tomorrow afternoon, as he looks to continue his fine form for the club. After a number of impressive displays under Louis van Gaal so far, the City showdown could prove to be Di Maria's toughest test in a United shirt to date.
It's expected that he will be joined in the side by club captain Wayne Rooney as the Red Devils go in search of goals at the Etihad, but Colombian hit man Radamel Falcao will miss the clash through injury.


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"I believe," said Jeffrey R. Holland in 1986, "that by Aristotle's standard the Book of Mormon is not only a good book; it is a classic."1 Holland referred specifically to the structure and development of the book, and a good argument can be made that he is right. The narrative of the Book of Mormon, to choose just one aspect, is a far cry from the simplistic and naive yarn which many of its dismissive critics claim to see in it. It is, in fact, much more complex and sophisticated than is recognized even by most of its professed disciples. But, of course, the Book of Mormon is not simply a great story well told. "To begin with," writes Elder Neal A. Maxwell, "the Book of Mormon provides resounding and great answers to what Amulek designated as 'the great question'; namely, is there really a redeeming Christ?"2
Yet, by and large, the Book of Mormon has not received the attention that it deserves. For all its potential significance in comparative religions,3 for all the historical influence which it has undeniably exercised, for all the spiritual value attributed to it by millions of believing Latter-day Saints, it has been left relatively unstudied. The eminent Judaic scholar Jacob Neusner put his finger on perhaps one of the reasons for this odd situation in an article published over ten years ago. "Among our colleagues," he remarked, "are some who do not really like religion in its living forms, but find it terribly interesting in its dead ones." To take a prominent example, Neusner continues, the Book of Mormon "is available principally for ridicule, but never for study. Religious experience in the third century is fascinating. Religious experience in the twentieth century is frightening or absurd."4 The Book of Mormon has been, indeed, and as President Benson has been telling us, neglected–and by believers only comparatively less than by nonbelievers.
Perhaps this is beginning to change. Certainly the Prophet's call for renewed emphasis on the Book of Mormon has met a response among many members of the Church. And it can hardly be dismissed as self-congratulation–since I am a newcomer to the organization–when I say that the establishment of the Foundation for Ancient Research and Mormon Studies itself represents both a symbol of an apparent renaissance in Book of Mormon studies and a watershed in their development. But while F.A.R.M.S. is a manifestation of heightened interest in the Book, it is not the only manifestation. New theories on the origins and claims of the Book of Mormon proliferate not only without but, for perhaps the first time in any significant way, within the Church. Some of these are, in my frank opinion, pernicious. A few are simply retoolings of theories which have been around since the nineteenth century. But they are presented, in many cases, with a persuasive force which merits the most serious and honest attention. For those who occupy themselves seriously with the rising field of Book of Mormon studies, they cannot simply be dismissed.
As The Church of Jesus Christ of Latter-day Saints continues its remarkable emergence from the obscurity and isolation of the Great Basin to the status of a truly global institution, it and its beliefs will undoubtedly come under yet more scrutiny. And, since the Book of Mormon is crucial to the claims of the Church, it is inevitable that it too will be examined and cross-examined by both sympathetic and unsympathetic observers. Inescapably, it will come under attack. (What surprise in this, since it has been under attack now for sixteen decades?) It is, therefore, and will ever be the duty of believers in the Book of Mormon to "be ready always to give an answer to every man that asketh [them] a reason of the hope that is in [them]" (1 Peter 3:15). Not to prove to the world that the Book of Mormon is true. Such an outcome is probably impossible, and almost certainly inconsistent with the noncoercive plan of salvation adopted before this world was. Rather, we need simply to show that there is room for faith, that belief is not something which honest and rational human beings must sadly forego.
But a deeper knowledge of the Book of Mormon is not merely desirable in order to reinforce our apologetic armor. If that were the case, the Book of Mormon would be no more useful to us than a piece of worthless peripheral territory is to a city under siege. If the Book of Mormon served only to increase the perimeter we must defend against attack, we would be well-advised to cast it off.
This Review is founded on the deeply held belief that the Book of Mormon has immense value to both the Church and the world. The challenges of the years ahead will not be merely, or even largely, challenges of opposition. Rather, they will include the rapid growth of the Kingdom, the widening gap between Zion and its alluring but decadent rival, Babylon, and the difficulties of planting the gospel in foreign nations and cultures which we have up until now barely touched. They will involve materialism and violence, international conflict and weakened faith, infidelity and the lust for status and power. All of these problems, and many others, are addressed in the Book of Mormon. A more profound understanding of the Book is imperative if we are to meet the tasks which lie ahead.
This is the first issue of what we hope and plan to be an annual review of books written about the Book of Mormon. It is simultaneously a response to the greater manifested interest in the Book of Mormon, and a part of that trend. We undertake this enterprise with some concern that our intentions be properly understood. As Latter-day Saints, we belong to a culture which values kindness and the accentuation of the positive. This is quite proper, and entirely Christian. Criticism in the commonly used sense of the term–and the reviewing of books written by fallible mortal authors will always entail a certain amount of such criticism–is something that our culture is wary of, and with some justification. Too often, it can be unhelpful, unfair, cruel, and self-aggrandizing. Of Babylon, and not of Zion. I hope that we have successfully avoided that tendency in our first attempt.
Furthermore, "criticism"–pop definitions notwithstanding–need not be negative. (I think naturally of the publication, a few years back, of the F.A.R.M.S. "Critical Text" of the Book of Mormon. Shortly thereafter, one newspaper ran a headline announcing "Group Publishes Text Critical of the Book of Mormon.") There is much to admire in some recent publications on our subject, much that is useful. To borrow a phrase, "there are many things contained therein that are true" (D&C 91:1). But if discernment is necessary in reading those ancient texts, so too it is necessary in reading the increasing number of books and articles appearing annually about the Book of Mormon. We do not intend in this Review simply to stand back and attack all those who are attempting to contribute to our knowledge of the Book of Mormon. Rather, we intend to criticize in the pure sense of the word, which goes back to the Greek krino, "to separate, choose, decide." Discernment, after all, is a gift which each one of us is encouraged to develop. We are to "lay hold upon every good thing" (see Moroni 7:12-19). "Prove all things," admonished the apostle Paul. "Hold fast that which is good" (1 Thessalonians 5:21).
That is what this project is designed to do. There is value for anyone in peer review. That fact has long been recognized in academic fields ranging from chemistry to comparative literature. We often fail to notice, even in daily life, the things that we do amiss. It requires someone else to point them out to us–a wife, a child, a friend, sometimes even an enemy. The garden of Book of Mormon studies will produce more abundantly and healthily if its gardeners and consumers are adept at distinguishing edible plants from weeds.
The metaphor is deliberately chosen. We hope for a plenteous harvest, but weeds must be recognized for what they are. Where there is shoddy writing or shallow reasoning, we hope to point it out. Not that we necessarily enjoy doing so–although on those rare occasions where there is dishonesty or bad faith, it is a positive if not altogether saintly pleasure to draw attention to it. (No such occasions occur in this volume, although they have in the past and, no doubt, will in the future.) Rather, we hope in a modest way to improve the quality of writing and thinking on the Book of Mormon, our own not excluded, by signalizing defects and areas of potential improvement. But the purpose of the garden, the goal of the gardener, the ambition of the hungry onlooker, is to harvest wholesome vegetables and delicious fruit. Obsessive weeding for its own sake is just that–obsessive. Unfruitful. Although this Review will not hesitate to point out bad work, we will enjoy much more the opportunity to draw attention to things that have been well done. If we can encourage a wider circulation for good ideas and enriching insights, we will be delighted.
We welcome diversity of viewpoints and approaches. A varied diet, to continue the metaphor. Simply because this Review is published by the Foundation for Ancient Research and Mormon Studies does not mean that archaeological, geographical, and philological avenues are the only ways to approach the text. They are not even the most important ways. Far from it, although they can be of valuable assistance to other approaches as well as being interesting and stimulating in their own right. Any important text–and the Book of Mormon is certainly in that class–can be profitably read in a multitude of ways. No one way–and this is one of the articles of faith underlying this enterprise-is exclusively valuable. I myself have found benefit in reading the Book of Mormon sometimes rapidly, sometimes very slowly, occasionally in a different language, sometimes looking for doctrinal themes, at other times trying to puzzle out historical issues, sometimes searching deliberately for the spiritual guidance in which at all times I have found it so rich. Each approach has its value. One of the great testimonies to the Book of Mormon, I feel, is that it stands up so well–and yields so very much–to all manner of readings. Thus, we have included in this Review not only materials that might be expected to appeal to people (like much of the leadership of F.A.R.M.S.) who have special interests in the ancient world, in Mesoamerica and the Near East, but also writing of a more devotional kind. And we have included something from the anti-Mormon camp, as well. Indeed, we have tried to cover all the book-length items concerning the Book of Mormon which were published in the interval 1987-1988. (Previously published reviews of major books before this time have been collected and are available from F.A.R.M.S.) There have been, we know, some omissions. We will attempt to pick these up in the next issue, and we would be grateful to any of our readers who might bring other items to our attention.
Those books that we review in this issue are presented in alphabetical order, by author. In the two cases where more than one review is given of the same book, we have printed these in alphabetical order by reviewer. No effort has been made by the editor or by anyone else connected with this Review to harmonize the viewpoints expressed here, or to guide the reviewers. The editorial hand has been relatively light. The opinions expressed in these reviews are solely those of the authors, and do not necessarily represent those of the Foundation for Ancient Research and Mormon Studies, The Church of Jesus Christ of Latter-day Saints, or the respective institutions with which the authors are affiliated.
There remains the opportunity to thank all of those who have helped in the production of this Review. To the reviewers, who responded so well at short notice and at a rather inconvenient time; to Janet Twigg of the F.A.R.M.S. office, who secured the books and sent them out for review; to Shirley S. Ricks, who entered the reviews into the master computer disk and established them in a uniform and pleasing format; to Glen Cooper, who compiled the Bibliography; to all of these I express my gratitude.
1. Jeffrey R. Holland, "Conclusion and Charge," in Monte S. Nyman and Charles D. Tate, Jr., eds., The Book of Mormon: First Nephi, The Doctrinal Foundation (Provo: Religious Studies Center, Brigham Young University, 1988), 317.
2. Neal A. Maxwell, "The Book of Mormon: A Great Answer to 'The Great Question'," in Nyman and Tate, Doctrinal Foundation, 1.
3. There have always been a few scholars who have recognized the world-historical significance of Mormonism and the Book of Mormon for religious studies. Eduard Meyer, with his famous Ursprung und Geschichte der Mormonen (Halle: Max Niemeyer, 1912), English trans. by Heinz F. Rohde and Eugene Seaich (Salt Lake City: University of Utah, n.d.), is perhaps the most illustrious example, but others come to mind. For instance, in an article entitled "Joseph Smith und die Bibel: Die Leistung des mormonischen Propheten in neuer Beleuchtung," which appeared in the Theologische Literaturzeitung 109/2 (Feb. 1984): 81-92, the Finnish scholar Heikki Raisanen appealed to European students of "Religionswissenschaft" to give Mormonism and its scriptures more serious attention. (The article by W. D. Davies, "Reflections on the Mormon Canon," Harvard Theological Review 79 (Jan. 1986): 44-66, is perhaps a step in this direction.) And in November 1987, when a group of prominent Islamicists gathered in Boston to discuss a colleague's new book on the nature of scripture and canon in world religions, the Qur'an was naturally their primary focus-but the Book of Mormon was a prominent secondary topic of discussion. And (to my delight) it was apparent that at least certain of the discussants knew something about it.
4. Jacob Neusner, "Religious Studies: The Next Location," Bulletin of the Council on the Study of Religion 8/5 (Dec. 1977): 118. From the context of his statement, Neusner seems to share with Heikki Raisanen the assumption "was jedem historisch denkenden Nicht-Mormonen ohnehin klar ist: Das BM ist ein Produkt des 19. Jahrhunderts" (Raisanen, "Joseph Smith und die Bibel," 82). We should not be surprised or distressed at this: While one can perhaps believe the Book of Mormon to be a modern production and still accept it as scripture (at least, there are a few who claim to do so), it would be rather difficult to believe the Book to be ancient and authentic and not regard it as scripture. Thus, of course even sympathetic non-Mormons will tend to view it as a creation of the nineteenth century; otherwise, presumably, they would not be non-Mormons!


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Psychology: What Conservatives and Liberals Need to Learn
It's helpful, every now and then, to take a step back and take in the vista. James Kalb described the outlook for conservatives and liberals in his recent post at Crisis. Thoughtful and somewhat forlorn, he decries the current technocratic thrust which appears alive and functioning well, and outlines its eventual implosion. What struck me from a psychological perspective was his quasi-definition of conservatism:
They should be conservative not in the sense of maintaining existing trends and arrangements, but in the sense of valuing what those trends and arrangements reject: history, human nature, and the patterns and attachments, like family, religion, and particular culture, that are necessary for normal social functioning. [emphasis added]
Coming from the psychoanalytic tradition, attachment equates to something like the quality of relational bonds experienced from an early age. Psychologists and psychoanalysts hypothesize that the quality of bonds contributes to the development of a particular relational-attachment style. In recent decades, theorists described a few commonly-observed styles, such as avoidant, anxious, and secure. Perhaps, like most psychological concepts, people's attachment styles are contextually-driven and more continuous than categorical. That is, I am probably more securely attached in some instances but more anxious in others. Also, attachment security probably isn't an all-or-nothing experience. However, it is theorized that optimal relational functioning and affect regulation hinges on successfully secure attachment. Unsuccessful, or insecure attachment supposedly contributes to anxiety, ranging from neurotic, everyday-level nervousness, to a more problematic, debilitating anxiety.
Kalb's emphasis on social attachments is really important to consider. The concept seems so obvious–that optimal functioning requires a sense of social and institutional belonging. Family, culture, and institutions such as religion are common ways to fill that need. As our culture continues to devalue institutions, emphasizing instead individual fulfillment and autonomy will create a new way of relating, which will really be an old way. Culture, religion, and family bring together. Technocracy tears apart. The irony of collective psychology (e.g. APA, etc.) is the emphasis on individual fulfillment, based on a misguided notion of humanism; namely, favoring autonomy over belonging. We can learn a lot from the attachment folks, who share with us the importance of the balance of belonging.


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AstraZeneca has used recognition to connect employees to their corporate values and purpose for years. By doing so they have increased collaboration across the organization. Their recognition solutions are key to attracting, engaging, and retaining top talent. Their formal recognition platform also makes it easy for leaders to see the great work and contributions being made by their people both at headquarters and out in the field.


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Students to help rebuild in Sandy aftermath
Tori Roeck | Sunday, November 18, 2012
Hundreds of thousands of college students, including many from Notre Dame, will return home to New York and New Jersey for winter break to face the devastation wrought by Hurricane Sandy.
While many of these students felt helpless as the storm passed through their hometowns, senior Catherine Flatley, who hails from New Vernon, N.J., started the program We Come Home as a way for them to contribute to relief efforts.
"[We Come Home is] a campaign to mobilize college students from New York and New Jersey to get involved with Sandy cleanup over winter break," Flatley said. "We're trying to work with relief organizations that are already in the area fulfilling whatever needs they have."
We Come Home has campus ambassadors at schools across the country spreading information about how to get involved, senior Notre Dame ambassador Brianna Geary said.
"Our slogan is, 'We left to begin building our lives. We're back to begin rebuilding our home,'" Geary said.
Flatley said students can fill out an application on the We Come Home website to volunteer either two or five days of service to relief efforts.
"People fill out the application, they select what periods of the ones listed they're available for and which area they'd be available to work for based on different counties we have listed," she said. "Then they will be put in contact with organizations in that area that need volunteers."
Students can participate in a variety of different tasks based on what the organizations need help with, Geary said.
"The destruction is so widespread that there are many, many things people could get involved with," she said. "If people have preferences, they can put down any special skills they have on the application on the website."


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with Stephen Hammond
Tip #12 — UNDERSTANDING EMPLOYMENT EQUITY — 1
It isn't necessary for Canadian businesses to go as far as adopting what most people think of as affirmative action, or quotas. As long as there are no hidden, perceived, or real barriers to employment or services, there is no problem. Only when prejudice and stereotyping result in discrimination do governments step in to regulate equity and fairness so that every citizen has equal access to the same opportunities. Therefore, programs have been created in an attempt to redress discrimination in employment. I think it's important workplace leaders know the Canadian requirements (and differentiate from the American requirements) so they understand the reasoning for equity programs and realize the employment benefits.
The American experience is very different and a contrast to what we have in Canada. Despite the fact that the American civil war saw an end to slavery, many African Americans, not just in the South, were denied basic rights into the 1960s and 1970s, leading to the civil rights movement and resulting historic changes to the law. Affirmative action grew out of a desire to achieve equality of results, not just equality of opportunity. While the fourteenth amendment of the U.S. constitution guaranteed equal protection under the law, getting real equality often proved illusive. In 1965 at a commencement address at Howard University, U.S. President Lyndon B. Johnson spoke of the need for "equality as a result," not just equality of opportunity. He said:
"You do not take a person who for years, has been hobbled by chains, and liberate him, bring him up to the starting line of a race and then say, 'You are free to compete with all the others,' and still justly believe that you have been completely fair."
President Johnson and then President Nixon issued executive orders to provide equal opportunities in federal employment and with contractors, based on race, creed, colour, national origin and gender.
In Canada, the federal government was looking to examine its own employment deficiencies around June 1983, when then-Employment Minister Lloyd Axworthy created a Royal Commission with Ontario Judge Rosalie Abella at the helm (Abella then went to sit on the Supreme Court of Canada).
In October 1984, when Abella presented her findings to the government in a report entitled "Equality in Employment," she outlined the wide-ranging and systemic problems facing many Canadians looking for equal employment opportunities.
"If...we are not always sure what 'equality' means, most of us have a good understanding of what is 'fair.' And what is happening today in Canada to women, native people, disabled persons, and visible minorities is not fair. It is not fair that many people in these groups have restricted employment opportunities, limited access to decision-making processes that critically affect them, little public visibility as contributing Canadians, and a circumscribed range of options generally. It may be understandable, given history, culture, economics, and even human nature, but by no standard is it fair."
She defined the obstacles as higher unemployment, higher over-qualification, occupational segregation, lower wages and limited opportunities for promotions, noting that overall the problem was "systemic."
To begin correcting these systemic inequities, Abella proposed employers concentrate on breaking down the barriers that get in the way of true employment opportunities, rather than trying to fill job quotas. She urged employers to examine how they recruit, train, evaluate, advance and even lay off employees. She directed them to look at their pay, benefits, and other components of operation to uncover barriers to the designated groups.
It is not that individuals in the [employment equity] designated groups are inherently unable to achieve equality on their own; it is that the obstacles in their way are so formidable and self-perpetuating that they cannot be overcome without intervention.
1) Identify barriers - as they are often subtle. They might not be easy to see, so it's best to work with a team who is committed to employment fairness. There are many audit tools found online, so you don't have to re-invent the wheel. You may be surprised as to how many barriers to true employment equity there are.
2) Set out a plan - to break down the barriers. You can list the things that get in the way of an equitable workplace, such as: broaden where we find candidates; use questions that are culturally and gender neutral; ensure the workplace is harassment-free - that sort of thing.
3) Prioritize and set deadlines - as this gives you something to work towards. Prioritize those things you accomplish the easiest (or perhaps the most difficult) and then work towards a better result. When you've achieved a level of success (because you've already decided what success looks like before hand) then find some way of acknowledging it. We hear of too many failures and not enough successes.
This is TIP #12 of 26 BI-WEEKLY TIPS for managers and supervisors.
It is available on a subscription basis.
Click on the "STORE" link in the top menu for more information.


text: The Cielo pendant light combines modern performance with a classic shape, allowing it to integrate into any environment, regardless of style. Each lamp can be suspended individually, in a series or as a chandelier to provide warm (3000K color temperature) and balanced illumination. Cielo offers a full dimming range and is composed of energy efficient, glare-free, flat panel LEDs rated for up to 50K hours. Available in various finish combinations allowing you to customize your look.


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Future Income and Bankruptcy Fraud
What is Bankruptcy Fraud?
Bankruptcy fraud occurs any time someone lies or misstates income, assets or liabilities when filing for bankruptcy. Committing bankruptcy fraud can result in the bankruptcy case being tossed out of court and your creditors coming back with a vengeance for their money. Mistakes on bankruptcy filings can result in allegations of bankruptcy fraud. Efforts to shield assets by transferring them to heirs before filing for medical bankruptcy or sell items at a loss to relatives to pay off personal loans may trigger allegations of bankruptcy fraud. Always consult with a legal professional when you begin to see bankruptcy as your only option. Giving away property to mollify relatives or sell items below market value to raise cash to make this month's debt payment could endanger your bankruptcy case later on.
What Is Future Income?
Future income is the money you will receive or earn in the future. This money can come from a salary, sales commissions, the sale of property, inheritances, insurance payouts, royalties and any number of sources.
When Is Future Income Related to Bankruptcy Fraud?
Failing to report future income is a form of bankruptcy fraud. You are not always aware of future income. If you have been trying to sell a book manuscript for years and then hit it big a year after your bankruptcy, no fraud has occurred. If you were in negotiations to sell the rights and didn't tell your creditors this during the bankruptcy proceedings, you have committed bankruptcy fraud. If you quit your job to lower your income in order to qualify for bankruptcy or spite creditors (or an ex-spouse), you are open to charges of bankruptcy fraud if you pick up a good paying job after the bankruptcy is discharged. Failing to report deferred compensation to a bankruptcy court is bankruptcy fraud. Not reporting lump sum payments at retirement like unused vacation time and sick time is also bankruptcy fraud.
Your retirement accounts are generally protected from liquidation during bankruptcy. So are public employee pension plans, Social Security payments and disability benefits. However, failure to report these plans and any income you receive from them is bankruptcy fraud. If you can make payments to creditors but do not do so, they can request that the bankruptcy case be thrown out. While your pension payments may not be garnished, you have a legal and moral obligation to pay your creditors if you can. Failing to report pension income or future retirement plan benefits during bankruptcy is fraud.
Another form of bankruptcy fraud is selling rights for less than they are worth or transferring rights to someone else. If you sell an oil and gas lease for pennies on the dollar to a family member, future income from that lease could have been used to pay creditors. Transferring royalties for a book or patent to an ex-spouse to prevent increased demands for child support or alimony could be construed as bankruptcy fraud. Signing a quit-claim deed on a rental property to a family member or former spouse can also be mistaken for bankruptcy fraud. Always consult with a legal professional before giving up sources of future income.
--About the Author
Michael Bolinske is a Minnesota Chapter 7 bankruptcy lawyer helping people file bankruptcy the right way.
Cramdowns, Foreclosures, Second Mortgages and Bankruptcy
Primary mortgages are rarely modifiable, even in bankruptcy court. However, your bankruptcy attorney can work with your first mortgage holder to enter a payment plan to make up missed mortgage payments or enter a longer mortgage term to make the monthly payments more manageable. Unsecured second mortgages have more flexibility, both inside and outside of bankruptcy court.
Keeping Your House With a Second Mortgage
For those entering Chapter 13 bankruptcy, the second mortgage can be added to the debt repayment plan along with the primary mortgage. You must include the second mortgage in the bankruptcy petition, whether it is a secured loan or unsecured debt. Then you will need to make the monthly payments on time and in full. At the end of the payment plan, the debt is paid off, payments continue under the mortgage terms reaffirmed by the court or the remaining second mortgage balance is discharged by the bankruptcy court. It is possible that the second mortgage balance is discharged even while the primary mortgage remains. However, you must speak with a bankruptcy attorney to find out if this is an option where you live.
You can save your home from foreclosure even if you have two or mortgages on it. However, you need legal representation to properly renegotiate these loans or enter a payment plan to be able to keep your home. Without legal representation, you may inadvertently agree to become liable for a deficit if the house is later sold in a short sale or foreclosed upon.
Second Mortgages, Foreclosures and Short Sales
If your home is sold to pay your mortgage debts, the second mortgage is paid after the first mortgage is paid. If there is not enough money to satisfy the second mortgage, the remaining debt may be paid out of the money raised by liquidating your assets or it is dismissed when the bankruptcy is discharged. If you sell your home, you can also choose to enter a payment plan to pay off the second mortgage balance.
If the mortgage holder forecloses on the property before you file for bankruptcy, they can take the house regardless of the repayment terms you would like to enter. The balance remaining with the first and second mortgage holders becomes unsecured debt and will need to be included in your bankruptcy petition.
A bankruptcy court in rare instances will force mortgage holders to accept a cram down or reduction in principle, where the court forces the creditor to modify the mortgage agreement to accept less than was originally agreed without reclaiming the asset or forcing its sale. This happens more often with second mortgages than first mortgages. It is rare for a court to cram down or modify a first mortgage. Seek the advice of a legal professional to find out if this is an option in your state. However, your attorney can negotiate with the creditors to turn a 15 year mortgage into a 20 year mortgage or refinance it into a lower interest rate loan. If the home is sold at a loss, as happens with many underwater properties, you need legal representation to prevent a crushing debt load or massive tax bill on the forgiven balance.
Never send back the keys and hope that this will satisfy the mortgage company. While "jingle mail" may be emotionally gratifying, it does not resolve the problems associated with unpaid bills, outstanding mortgage balances or collection efforts.
--About the Author
Michael Bolinske is a Minnesota bankruptcy lawyer at Bolinske Law, helping people improve financial troubles.
What To Do About a Bankruptcy Notice
A bankruptcy notice (technically, a "proof of claim form") lets you know that someone who owes you money has filed for bankruptcy, and gives you a deadline by which to reply if you wish to file a claim against the debtor's assets. It is sent by the court to every creditor the debtor has informed the court of (presumably all creditors, since only the listed debts will be discharged).
How likely you are to actually get paid depends on the type of bankruptcy. In a chapter 7, where most debts are discharged, assets may be discovered that can be used to partially pay off the debts, but generally you're unlikely to receive much. In a chapter 13, the debtor's payment plan will require him to pay you at least part of what you're owed. In either case, if you can show that you have security in some asset, this will move you to the front of the line to get paid.
Once you have the notice, if you're owed enough for it to be worth your time, you need to file a proof of claim to be included in the bankruptcy proceedings and collect whatever portion of the debtor's assets you're entitled to. The notice also lets you know that you can no longer attempt to collect the money owed, as the debtor is now under bankruptcy protection.
In some cases, it's possible that the bankruptcy notice may reach you after the deadline has already passed. According to section 342(g) of the United States Bankruptcy Code, notice given is not effective notice until it is brought to the attention of the creditor, which means that if the notice does not reach you due to being sent to the incorrect address or similar reasons, you may be able to dispute the missed deadline.
About Bankruptcy
Bankruptcy is one of those things that nobody wants to think about, something that should be reserved for losing players in the game of Life (the board game, that is). Unfortunately, sometimes people get into a hole that they aren't sure how to dig themselves out of, and it seems as if bankruptcy is the only option. Here are some things to consider before going that route.


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Isn't there a ghost?
I found her in an old house at Albany
Wordless scene
Some new idea, some big work
He has come after you
You'll get very sick of your independence
You're drifting to some great mistake
the world interests you and you want to throw yourself into it
I judge more than I used to but it seems to me one has earned the right
Ah, the clever creature!
On your so beautifully existing
Perhaps some day you'll have another mother
Isabel and Osmond meet
One's never too much in a hurry to save a precious human creature from drowning
Wait a little longer
And a man in love, you know, doesn't ask advice
The party
I think I should like your advice better
I think you very strange
You won't confess that you've made a mistake
That's a little bleak, but it's very free
Tragic Rome
I'll go with you, and what is more I'll take care of you
I'm afraid
Make me howl like a wolf
He is nothing to us
You'll come back?
Ah, but Isabel- adored
The funeral
The world's all before us
Just you wait


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Fresh Coat Painters Expands Iowa Painting Services with Launch of Franchise for Des Moines Region
Small-business owner Ryan Fredregill is expanding his enterprises with the opening of his Fresh Coat Painters franchise to serve Central Iowa.
Cincinnati, Ohio (PRWEB) October 09, 2012 - Before finalizing the purchase of his Fresh Coat Painters franchise in West Des Moines, Iowa, Ryan Fredregill went to great lengths to size up his potential competitors. The local resident called six different painting operators to request information and estimates; only two showed up, albeit three weeks later. That's when Fredregill realized that his new franchise was in a position to provide customers with a much, much different experience. "I like being around people and meeting the needs of the customer," he said. "It's all about listening to their specific needs and providing them with various options that meet their satisfaction."
"There's a lot of competition, I'll admit, but there isn't anybody else that can offer what we offer," he said. "The fact that only two painters showed up – and showed up late – speaks to the opportunity we have here. I offer a 3-3-3 pledge and what that means is we will respond within 3 minutes of your call, give a written estimate within 3 days of your call, and within 3 weeks of an accepted quote, your painting project will begin."
Fresh Coat owners hire their own personnel, and never use sub-contractors. As a result, they can more effectively guide the operation and provide more support to the painters, he said.
He noted, too, that all Fresh Coat painters undergo drug testing and background checks, and all are fully licensed and bonded, which provides an extra level of security.
"When you're in people's homes, it's important to have trustworthy employees," he said.
Fredregill is now utilizing online advertising to place job ads and has been setting up interviews with experienced, professional painters.
Bernard Brozek, president of Fresh Coat Painters, said the company's business model sets them apart within the industry, offering painting professionals the opportunity to build a career.
"Painting is an industry with a negative reputation – late arrivals, no shows, messy clean-up, sloppy work – so those painters who are professional appreciate the opportunity to work for a company that provides pay, benefits and steady work," he said.
Already an experienced small-business owner in Baxter, Fredregill was looking to expand to other avenues when he began researching his options. Throughout his months of investigation, he kept coming back to Fresh Coat.
"The Fresh Coat system was just what I had been looking for," he said. "The marketing support is excellent and the franchise fee is affordable. Most importantly, it's low overhead; I didn't need to tie up excessive funds in real estate with a fancy office."
For this father of two, it was also essential that his new endeavor be in the service industry, to draw on his expertise in management and marketing coupled with client service skills.
"I like being around people and meeting the needs of the customer," he said. "It's all about listening to their specific needs and providing them with various options that meet their satisfaction. I truly enjoy putting together a game plan and offering someone different options. The transformation after a fresh coat of paint in someone's home or office can make all the difference."
Brozek said Fresh Coat owners can attest to the value of professionalism and courtesy, setting them apart from other painting operators.
"Our franchisees realize the importance of focus, discipline and leadership in the success of any operation," he said. "Our structure puts the focus on the clients, so that they receive the best of all those involved. Owners direct their energy into promoting and growing their businesses while client service managers and professional painters complete the specific projects. Clients get the best skills of all those involved."
Fresh Coat owners have a range of corporate offerings that support their clients and make the process smoother, including a 24/7 call center, proprietary EPIC estimating system, Paint Now-Pay Later same-as-cash financing, Automatic Touch-Up for businesses, and fund-raising opportunities for charities.
Fredregill actually enjoys painting and has completed several of his own painting projects. Still he also values the structure of the company, which allows him to concentrate on the business while experienced painters complete the work.
"And that means we'll paint most anything. Given our location in Iowa and the agricultural environment, that means grain bins, machine sheds and barns, too," he noted.
To learn more about Fresh Coat Painters of Central Iowa or to schedule an on-site quote for residential, commercial or agricultural projects in Des Moines, Johnston, Ames, Ankeny, West Des Moines, Waukee, Grimes, Clive, Norwalk, Huxley and Marshalltown or their surrounding Iowa communities, call 515-619-5538 or visit http://www.freshcoatcentraliowa.com.
About Fresh Coat Painters
Founded in 2004 in Cincinnati, Ohio, Fresh Coat Painters provides services for residential, commercial and governmental customers in more than 100 major cities across the United States and Canada. Fresh Coat is part of the International Franchise Association, the Small Business Association's Franchise Registry, VetFran and Minority Fran. For more information, call 866-708-9355 or visit http://www.freshcoatpainters.com.
Bernie Brozek
Fresh Coat Painters
888-214-7917 159


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New Civitas School Building Scoops Top Industry Award
A NEW primary school built as part of Reading Borough Council's £61m school expansion programme has won a top regional award.
The Civitas Academy project received the Community Benefit award at the RICS (Royal Institute of Chartered Surveyors) awards ceremony held in Southampton on 17th May.
The £8.3m school building project in Great Knollys Street incorporates a modern new community centre for local residents.
The Community Benefit award recognises excellent achievement in providing a facility which directly benefits the local community and illustrates its success through local community feedback.
Reading worked with architects from Hampshire County Council and developer Balfour Beatty on the ingenious design and layout of the school and community centre which was very much shaped by the tightness of the site.
The former run-down industrial site was transformed into an attractive modern school with a capacity for 420 pupils.
It contains a sheltered courtyard and a school hall which can be opened up to the adjoining community hall to provide large public space outside of school hours. The new Fairview Community Centre has much improved facilities and its own independent access.
Various consultations were held during the design phases of the project and local public support throughout the project was positive.
The first pupils moved into the two-form entry school, run by REAch2 Academy Trust, in November 2016 and the official opening ceremony was held in February.
Councillor Tony Jones, Lead Member for Education, said:
"Congratulations to everyone involved in the Civitas building project for winning this well-deserved award.
"When I attended the opening in February I was impressed by the style and quality of the building and by how much the pupils and staff enjoyed being in their wonderful new school.
"This award also recognises the great benefit local residents have gained from this investment with a modern new community centre."
The opening of the Civitas Academy marked the completion of Reading Borough Council's school expansion project which created 2,520 additional primary school places.


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Kirsty Bisset takes us through some of the features of the Vodafone Smart 4 Mini and tells us why it's one of the best value for money smartphones on the market.
Vodacom now! – Episode 3: The Vodafone Smart 4 Mini
by Nico Nel | Jun 3, 2014 | Vodacom now! | 0 comments


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Reading and math scores on state tests for Maryland elementary and middle school students have dropped to their lowest levels in seven years, according to a Washington Post analysis of 2014 test data released Friday. Some Maryland officials expected the drop because schools are transitioning to new national academic standards that do not align with the tests.
State and county educators said the across-the-board decline on the final Maryland School Assessment (MSA) was largely a result of the state's move to a curriculum aligned with the Common Core State Standards. The new curriculum shifts some academic topics to different grade levels, especially in math, making the MSA obsolete.
Students' scores had been steadily inching up until 2013, when there were sharp declines in reading and math scores, a slide that continued this year. In 2014, overall proficiency scores in reading and math among elementary students fell 5.2 percentage points to 80 percent proficiency. Middle-schoolers fared worse — 71.4 percent proficiency, a drop of 6.5 percentage points. Drops in Montgomery and Prince George's counties roughly mirrored the state averages.
During the past two years, the state has shifted its instruction to prepare for the tests by the Partnership for Assessment of Readiness for College and Careers, which are aligned with the Common Core and were recently field-tested in Maryland.
"We knew going into this assessment period that the standards and the curricula being taught were not completely aligned," State Superintendent of Schools Lillian M. Lowery said. "However, school systems can use the MSA data to continue analyzing the achievement of specific student groups, classrooms and schools."
Michael Brickman, national policy director at the Thomas B. Fordham Institute, a right-leaning education-reform think tank, said several states are seeing similar drops in scores as they move to the Common Core, the national K-12 standards that require new curricula, materials and approaches to teaching. Brickman said that in some of those states, there is a decline because they are raising the bar on the tests they are administering. "It's not as though students are knowing less," he said. "The tests are getting harder."
Jack Smith, chief academic officer for the Maryland State Department of Education, said the curriculum shift had an impact: "The MSA is not asking questions that are directly related to what kids have experienced in class."
Some parents and teachers criticized the state for administering a test that they considered to be a waste of time.
"The scores mean nothing at all," said Del. Eric G. Luedtke (D-Montgomery), a social studies teacher who introduced legislation this year to skip the exams. "You are testing kids on content that they are no longer learning."
In Montgomery, the countywide council of PTAs made a similar push, urging state officials to seek a federal waiver of the test requirement. Michelle Gluck, vice president for educational issues of the countywide PTA council, called the MSA results predictable.
"The surprising thing would have been if they hadn't gone down or if they went up," Gluck said. "Then we would have had something to talk about."
Patrick Dunn, an Olney parent of two, said he thought the MSAs were not especially meaningful before the misalignment — and even less so afterward. "I'm not concerned," he said. "I think they were immaterial and a waste."
But state officials said they had to give the tests because they are required under federal law. They also said they believed that there was some value in examining results, especially on a local level, to try to identify achievement gaps within districts. If scores dropped at one school but not another, "that ought to cause educators to ask questions about why," Smith said.
Earnest Moore, a parent and past president of the Prince George's County Parent and Teachers Association Council, said school leaders repeatedly warned parents that the scores would likely drop as the new standards were being implemented. He believes the results are temporary.
"It was something that we were expecting when they were moving to Common Core," Moore said. "We have been telling parents, don't look at this like, 'My child has lost academically.' "
Kevin M. Maxwell, schools chief in Prince George's, said that because the tests do not align with the instruction, they are not a reflection of how well students are doing. "I don't think these scores are a true measure of our students' reading proficiency or their math," he said.
The sharpest proficiency decline among elementary and middle school students in Prince George's was in math, dropping 9.5 percentage points among elementary students and 11.6 percentage points among the older students. Statewide, elementary school students' scores in math dropped 8.1 percentage points, and middle school student scores dipped 9.1 percentage points.
In Montgomery, 75.9 percent of elementary school students and 73.3 percent of middle school students scored proficient in math in 2014, a one-year drop of 8.6 percentage points and 4.6 percentage points, respectively.
"As we expected, Maryland School Assessment (MSA) scores declined in Montgomery County Public Schools (MCPS) and those declines were in line with what we saw across the state," schools chief Joshua Starr said in a statement.
This year's MSA results had no bearing on school accountability measures or principal and teacher evaluations. The results left open the question of how much districts had prepared students for the exams.
"We spent this year focusing on the future success of our students and not preparing them to take tests that are not aligned with what is being taught in the classroom," Starr said.
Ted Mellnik contributed to this report.


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Writing Certificate: Courses
19 hours of coursework are required for the certificate:
- at least 1 course in writing*
- writing intensive courses
- directed study/CURO courses (optional)
- a 1 hour e-portfolio workshop
You must maintain a 2.0 GPA in courses taken for the WCP credit in order to be awarded the Writing Certificate.
Writing Courses (*One course from this list is required)
ELAN: 4120: Language and Literacy, Grades P-5
ELAN 4150: Teaching Writing in the Secondary Schools
ENGL 3590W: Technical and Professional Communication
ENGL 3600W: Advanced Composition
ENGL 3800W: Introduction to Creative Writing
ENGL 3800H: Honors Introduction to Creative Writing
ENGL 4800W: Advanced Creative Writing Topics
ENGL 4830W: Advanced Studies in Writing
ENGL 4831W: Critical Essay
ENGL 4832W: Writing for the World Wide Web
ENGL 4833W: Composition Theory and Pedagogy
JOUR 3410: News Writing and Reporting
JOUR 3410H: News Writing and Reporting
JOUR 5580: Magazine Article Writing
JOUR 5590: Critical Writing and Reviewing
JOUR 5700/7700: Advanced Magazine Article Writing
JOUR 5720: Advanced Reporting and Writing
UNIV 1106: Basic Report Writing for College and Beyond
UNIV 1117: Basic Composition for Multilingual Writers
UNIV 2201: Introduction to the Research Paper
UNIV: 2203: Improving Academic Writing
Writing Intensive Courses
Any course with a W suffix or that is offered through the Franklin College Writing Intensive Program counts as a writing intensive course, as do the following:
HONS 3010H: Honors Research Methods (Arts and Humanities)
HONS 3040H: Honors Research Methods (Social and Behavioral Sciences)
HONS 3070H: Honors Research Methods (Natural Sciences)
PBIO 4930: Science Writing for General Audiences
Other courses may be approved for writing intensive credit if they meet certain criteria. The Coordinator of the WCP can review and approve such courses on a case-by-case basis. If you have questions about whether a course is writing intensive, please get in touch with Dr. Davis.
Independent Writing Project: Directed Study/CURO Courses (*Optional)
Courses taken as directed readings or capstone courses that lead to a significant writing project can also be counted for credit toward the Writing Certificate.
The following Honors courses also count for directed study certificate credit:
HONS 3010H: Honors Research Methods (Arts and Humanities)
HONS 3040H: Honors Research Methods (Social and Behavioral Sciences)
HONS 3070H: Honors Research Methods (Natural Sciences)
HONS 4960H: Honors Undergraduate Research
HONS 4970H: Honors Undergraduate Research
HONS 4980H: Honors Undergraduate Research
HONS 4990H: Honors Undergraduate Thesis
Note: HONS 3010-3070H cannot count both for the Writing Intensive Course requirement and the Independent Writing Project.
E-Portfolio Workshop: ENGL 4834 (*Required course)
The E-Portfolio Workshop is the 1-hour capstone course for the Writing Certificate and can be taken up to three times for credit. In this course, you will prepare your capstone portfolio in which you select pieces from each course taken for certificate credit to showcase in the portfolio and compose a reflective analysis of your work over the course of the program. You must successfully complete this course and your completed final portfolio must be approved by the Coordinator of the WCP in order to receive the Writing Certificate.
Students | Faculty | Courses | Resources | Contact Us


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Sometimes girls in Ukraine are born with fairy like beauty and cuteness. Olivia is one of those girls. With blond hair and a pair of sky blue eyes, she will remind you of all the girls you had in your dreams. Olivia is the one to make them come alive with her beauty and sexy A sized breasts. Allow her to prove that fairytales are really true.
|Original set of Olivia - Blue Abyss at Showy Beauty contains 80 High Res Pictures at 5800 Pixels!


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Subjects Needed for Study of Women's Reproductive Disorder
University of Wyoming researchers are seeking subjects to examine the possible benefits of omega-3 fatty acids on a reproductive disorder in women known as Polycystic Ovarian Syndrome (PCOS.)
"This afflicts about 6-10 percent of the female population, so in the state of Wyoming it would affect between 6,000-10,000 women in their reproductive years," says Shane Broughton, associate professor of nutrition in the UW Department of Family and Consumer Sciences who leads the investigation. "These women have a higher incidence of type 2 diabetes, and many other problems as well. We are interested in characterizing their hormone, cardiovascular, blood glucose and immunologic response to the omega-3 fats found in fish oil."
The researchers are seeking both PCOS and non-PCOS individuals to be involved in the study. Broughton says subjects will receive information worth about $800 if they were to go get the blood tests. The study is for five months with an initial blood test and one per month thereafter until the end.
To participate in the study or for more information, contact Broughton at email@example.com, phone (307) 766-5248.
Posted on Monday, February 09, 2009


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When I worked at the diner, we tipped out the busboys on our tips. We didn't make money, they didn't make money.
I got the concept of tipping on sales, but I didn't realize what a dent it actually made in your pocket if you're making big sales with small tips - or worse, stiffed. That's what people mean when they say they have to pay to wait on you when you don't tip.
My first table today, very pleasant, took my drink recommendations, smiled, said please and thank you. Paid with a credit card, crossed out the tip line, nothing on the table. I was really upset, I couldn't think of what I did wrong. I eventually figured.. I did my best, they might have just been looking for a reason not to leave a tip. Then I got a 10% tip, they were obviously just cheap.
But what really got my goat was the couple with the coupon. They got the complimentary app, he only ordered soup and salad, and she ordered the most expensive seafood dinner. The coupon took off her entire entree, about 20 dollars. Of course, he tipped on the discounted amount like I hadn't been refilling their iced teas six times each. That was just depressing.
Anyway, not that I would have ever tipped any less than I do (generously, obviously, I know the game!) but I didn't realize the effect this different way would have on my own pocket. PLEASE make sure you always tip before any discounts or coupons. Just.. please tip in general.