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Sales Training
Looking for small enterprise alternatives is increasingly turning into easier, for the reason that economic system is getting increasingly more conducive to small enterprises. If you want to work from home to spend more time with your loved ones, I recommend that you sink your teeth into data publishing enterprise which is one of the most profitable fields within the internet as we speak. International locations like Nigeria, South Africa and Ghana have adopted this measure and many businesses have began in keeping with that.
Environmental related companies will develop in Africa, because Africa generates big quantity of waste. PayPal for small businesses is right since you pay just for the transactions you accept. As I said earlier than, I've bought into about 20 online enterprise alternatives.
There are several ways you may enter this enterprise, the primary is organising a food stall or a restaurant where you will promote the products yourself on a daily basis. There are a selection of alternatives for minority small businesses to do enterprise with the federal authorities.
The individual may even set up an office later on to offer counseling services to assist people apply for financing when renovating the home or making use of for monetary support in school. As you flip by way of one in all these "BizOpp" magazines, you will see a wide variety of advertisements for various kinds of businesses, ranging from easy "starter kits" for round $29 all the best way to stylish franchises costing $100,000 or more.
As I write this, I'm taking a look at an ad for a training program that costs $3,000, together with starter supplies. Sell advertising area and affiliate products. One of the first questions which must be answered when looking at what you are promoting opportunities, is whether or not you might have the sources to show the opportunity into a home primarily based enterprise.


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AdvertisementA recent report by GadgetsNow claims that a man-based in Jaipur has been reportedly duped of Rs. 1,10,000 while linking his Aadhaar card with his mobile number. The report claims that SK Brijwani, a resident of Jaipur was asked by a youth to link his mobile number with his Aadhaar card. The person has claimed to have deactivated his SIM card and has given him a new one. However, the old SIM wasn't deactivated and the youth withdrew a sum of Rs. 1,10,000 from his bank account.
Read More:
Airtel Digital HD Recorder / Kerala Vision Digital TV
Airtel Digital HD Recorder / Kerala Vision Digital TV

subset: commoncrawl


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Registered User
- May 20, 2014
- 76
My Mum had Alzheimers, ending up with it being very severe and needing to go into a home, so I know exactly what it's like. But now my OH has the very early stages and I really would like some advice. he has trouble with remembering the right words, tho sometimes he's fine and you wouldn't notice. But conversations sometimes go on and on because he's groping for the right word, and I don't leap in and tell him because that doesn't seem the right thing to do. Can someone tell me if that's the right strategy ? And then he has patches of doing things about the hous terribly slowly, so I want to leap in and finish whatever he's so slowly doing. I am a very patient person (I had twins who seemed to spend their youth dawdling), but living life at this pace and endlessly waiting for him to finish the sentence, or whatever he's doing is really taking it out of me. I know there's much worse to come, but please can a kind and wise person here tell me how you train yourself not to feel impatient, or is there a good book or something I can read. If I feel this bad when he's hardly ill at all, what's it going to be like when he gets worse ? He's also got very determined that we should both do the things he wants to do, so that I feel as if my own life is seeping away and his illness is taking over both of our lives. I know that sounds very selfish, but I suffer from depression (have had a lot of treatment for it, and it just keeps coming back again), and I feel very down.


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A Learning Lifestyle
The guidance offered essentially advocates for 1) focusing on creating an environment filled with books, music, and experiences; and, 2) a language-rich lifestyle - one where you listen to your child, respond thoughtfully, and pursue ideas together. (This builds on what we know about how preschoolers learn, too. ) She, of course, weaves writing lessons into the day and provides structure so parents don't have to come up with everything on their own. (Whew!)
Books, Music, and Experiences
Despite being regulars at the library, I often find myself scouring the catalog and shelves for books that might work to answer my child's question or delve deeper into the subject du jour. It is no wonder why lists are some of the most popular blogs in the world. You know the ones: "101 Books to Read Before Kindergarten," "10+ Children's Books to Inspire Kindness," and my own "24 Books for Preschool Engineers."
A Smaller, More Approachable List
The problem is that sometimes we want a smaller, more approachable list. One with fewer books that includes other things. I just want a few good books, a CD, and a video, perhaps a toy. Something like a thoughtful little themed basket.
Invitation to Learn
It is in the spirit of having a small sampling of one topic that I am writing Invitations to Learn. Each invitation grows from our homeschool life and is a pint-sized unit of study for the DIY crowd. With this list, I am inviting you to learn alongside your child and giving you a small amount of guidance for creating a rich learning environment in your home or school.
Read a book one day; listen to an audiobook another day; watch a movie a different day; go on a field trip a different day. By offering one great thing at a time, you are inviting your child to learn with you and enjoy learning with you! Over time you and your child will consider the topic in several different ways, using different materials, have different but related conversations about it, and you will grow your knowledge in wonderfully robust ways.
Read a book one day; listen to an audiobook another day; watch a movie a different day; go on a field trip a different day. By offering one great thing at a time, you are inviting your child to learn with you and enjoy learning with you! Over time you and your child will consider the topic in several different ways, using different materials, have different but related conversations about it, and you will grow your knowledge in wonderfully robust ways.
These are things we found at our library. (We stream many audiobooks for free.) For your convenience, I will also include affiliate links to Amazon.
Multiplication and Our Bodies
The Three-Headed Monster
We have a trail near our house that we call "Coyote Trail" because of the wildlife that scurries around out there. With two young children exploring the wildnerness, it is common knowledge in our neighborhood that we need to educate them about how to be as safe as possible when sharing the space with snakes, coyotes, and other creatures. The simplest thing to do: look big.
Looking big is hard to do when you are three years old though and so the three of us decided it would be better to stick together so we look like a three-headed, six-legged monster. Staring at the shadow our three-headed, six-legged monster cast on the ground, we have the opportunity to see part of the 3s multiplication table:
- 3 humans x 1 head per human = 3 heads, and
- 3 humans x 2 legs = 6 legs.
I have said before that there is no need to do worksheet math with young children. But talking about math in these organic situations is invaluable.
Fingers & Toes
Using fingers (and toes) to count presents a unique opportunity to learn preschool multiplication, too. With your child you can use just hands to learn the 2s times tables:
- 2 hands x 1 finger per hand = 2 finger
- 2 hands x 2 fingers per hand = 4 fingers
- 2 hands x 3 fingers per hand = 6 fingers
- 2 hands x 4 fingers per hand = 8 fingers
- 2 hands x 5 fingers per hand = 10 fingers
- 4 extremities x 1 digit per extremity = 4 digits
- 4 extremities x 2 digits per extremity = 8 digits
- 4 extremities x 3 digits per extremity = 12 digits
- 4 extremities x 4 digits per extremity = 16 digits
- 4 extremities x 5 digits per extremity = 20 digits
Ready to add some books and music to explore Multiplication? Read on...
"There was one little baby / who was born far away. / And another who was born / on the very next day. / And both of these babies, / as everyone knows, / had ten little fingers / and ten little toes." No matter which part of the world a baby comes from—born on the ice or in a tent—that baby has "ten little fingers / and ten little toes," the pleasing refrain of this wonderful, rhyming tribute to the chubby, sweet universality of babies of all colors. Helen Oxenbury's soft, rounded babies are captured perfectly in soft, rounded watercolors.
Recommended age: 3+
"Moose in a Treehouse" by Brent Holmes
Counting Cookies by 1s, 2s, 3s, and 4s. I can't imagine a more enticing way to bring times tables into the lives of our young people!
Moose Multiplication Video
My kiddo and I loved the Moose in a Treehouse song so much that I made a little video about it... Includes imagery to see how the multiplication tables stack up!
10 Little Rubber Ducks by Eric Carle
"Ducks overboard!" shouts the captain, as a giant wave washes a box of 10 little rubber ducks off his cargo ship and into the sea. The ducks are swept away in various directions. One drifts west, where a friendly dolphin jumps over it. A whale sings to another. But as the sun sets, the 10th little rubber duck is left all alone, bobbing helplessly on the big wide sea. Small readers and listeners will empathize with the little duck's plight—and will rejoice at the heartwarming surprise ending.
In this poignant and funny story, illustrated with strikingly designed collages, Eric Carle takes readers on an exciting voyage of discovery. Following the little ducks as they float to all parts of the globe, young explorers can see for themselves the meanings of directional words and learn simple math concepts, such as counting and the use of cardinal and ordinal numbers. Each creature the ducks meet is seen in its own habitat and behaves in a true-to-life manner, offering a very simple first view of biology and geography.
"A wonderful read-aloud for storytimes or one-on-one sharing. It's a definite 10," commented School Library Journal in a starred review. "Beautifully composed illustrations," said Booklist. "As sublimely simple and endearing as the playthings it portrays," agreed Publishers Weekly.
This board book edition with sturdy pages is perfect to share with toddlers. Note that this edition does not include a squeaker at the end.
Recommended for Preschool - Kindergarten
Lift-the-Flap Times Tables by Usborne
Lift-the-flaps to find tips, tricks and practice questions to help you learn all the times tables up to 12x12. You can discover why the tables are so helpful, use the number machine to answer any tables question, and test your knowledge with the times tables challenge.
Recommended age: 6+
LEGO and LEGO-like Bricks
The nature of LEGO bricks make them perfect for doing a lot of maths learning, including multiplication. I am a fan of just letting children build with them and letting them get a visceral understanding of quantity.
For our smallest learners there are MEGA Blocks:
Duplo is a LEGO brand and the bricks are smaller than MEGA Blocks but bigger than LEGO originals.
And, of course, LEGO. There are sets that build something specific or just boxes of bricks for free play...
So get playing with multiplication! I'd love to hear how it manifests in your life!


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Their breakfasts are jumbo
In a presidential suite in Madikwe, we woke up with some full-on South African wildlife. The history lesson was just as fearsome
The five wild dogs are taking their siesta. They've found a large puddle at the edge of the airstrip and are stretching out languidly beside it in the sun.
"You can see from their full bellies that they must have killed recently," says Justice, from behind the wheel of our Toyota Land Cruiser. "This is a small pack. Sometimes we get as many as 17."
It's a wonderful beginning. Barely five minutes after touching down from Johannesburg on the skinny bush runway at Makanyane Safari Lodge, we're eye to eye with one of the most endangered animals on the planet. No more than 2,000 African wild dogs are thought to live in the bush. I'm not much of a mathematician, but I reckon we're looking


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Maggie's Farm
We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Our Recent Essays Behind the Front Page
Blog Administration
Thursday, June 13. 2013
Thurday morning links
Image: I forgot who used that one.
Don't Listen to the Buzz: Lobsters Aren't Actually Immortal
New Evidence That Grandmothers Were Crucial for Human Evolution
Unborn Turtles Actively Regulate Their Own Temperature
Something Wonderful: Timelapse of a supercell near Booker, Texas
The Decalogue and Liberal Democracy
Unemployed Workers Still Far Outnumber Job Openings in Every Major Sector
Grandma, armed: You son of a bitch, get out of here.
New Study Blames Collective Bargaining for Education Stagnation
Biden Slams Obama's Qualifications To Be President
10 things to know about the NSA
Joe Scarborough to Chris Matthews: You Sure Didn't Seem To Think These Issues Were "So Complicated" When Bush Was President
Re David Brooks: The most grotesque article I have read in quite some time
People are reading Orwell again
Greenwald: Media Filled with 'Slavishly Partisan…Democrats'
Sheesh, I finally agree with Greenwald
Lindsey Graham: I'd Support Censoring The Mail If Necessary
Insty: POLITICS LOOKS SPOOKIER NOW
NSA hacks China, NSA leaker Snowden claims
Radical Environmentalism and Second Thoughts
Noted Junk Scientist: "When You Put More Energy Into a System, It Gets More Energetic"
Give that buffoon some Valium
Coulter: IF THE GOP IS THIS STUPID, IT DESERVES TO DIE
What's Wrong with Sweden?
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Noted Junk Scientist: "When You Put More Energy Into a System, It Gets More Energetic"'
Wait - what? You mean that if I apply more energy to, say, the finals in my Collins 30S-1 linear I'll get more transmitting power out? WHO KNEW?!?!?!
Algore is an ass clown. He stated once that geothermal energy was the wave of the future because the molten core of the center of the Earth was "millions and millions" of degrees hot. The actual energy is somewhere around 7K C° or about 12.6K F° which is roughly the surface temperature of the Sun.
He also invented the Internet.
Timelapse of a supercell near Booker, Texas
Gorgeous - the wonder and power of Nature - amazing images.
"What's wrong with Sweden?" Sweden is a country that was taken over by the crazy left. Their leaders really believe that their intellect and beliefs are superior and they are going to show the world how superior they are even if it kills them. Their leadership are raised the same way, educated the same way and believe all the same things. It would appear that a majority of their citizens fall into the same category. Their lack of understanding of what diversity really is and will mean to them is beyond belief. Diversity is: 1. The genocide in Rwanda 1994. 2. The war between the Serbs and the muslims in the Balkans in the 90's. 3. The Israeli-Palestinian conflict for most of the existence of Israel. 4. Iraq and Iran Shiite and Sunni conflict that kills tens of thousands yearly. 5. or the long list of hot spots around the world where one denomination/ethnic group hates and displaces/kills another group.
That is what diversity is and will be in Sweden as soon as enough muslims move there and actively seek to overthrow the Swedish people.
Ann, sweet Ann, since McCain surrendered during campaign of '08 and Romney couldn't mount a battle horse against a boy who bows to Saudi King, Republicans look like a drowning.
Still meself can't imagine voting democrat.
Lot's of jobs could be afforded shipping the illegals to their respective homelands.
Ace: Before that, Chris Matthews introduces what sounds to me like a New Racial Slur -- "government." He's got this new jazz that even saying the word "government" is some kind of code-word that Respectable People do not say. At the current moment his theory behind the alleged "government" slur seems half-baked, but I imagine after a few rounds of Inspiration he'll have a whole theory as to how saying the word "government" is an "ethnic attack."
If 'government' is a racial slur, then the gummint must be black, and then it is obviously, clearly, no-doubt-about-it FAILING to protect and enhance the present and future of black folks. Jailing them, keeping them in ghettos and poverty, failing to educate...the list goes on and on with failure after failure.
Teachers' Unions: Amazingly, just interested in teachers and money. Kids, buildings--nah, don't matter.
"1984": Seems rather prescient, these days. As does "Animal Farm".
I can't buy Greenwald as principled, though there appears to be some consistency.
Radical Environmentalists: Having solved the problems they originally fought, they found the income stream too comfortable to let die...
What's Wrong With Sweden: They've forgotten they used to be Vikings.
Me thinks politics is like sex.
It's always spooky and never safe.
Al Gore and Biden provide something that is sorely lacking in our depressed economy, laughter. We must be grateful for the Democrat clowns who can make anyone who is not a true believer weep with mirth at their buffonery. Sometimes I find it hard to take seriously a country where Al Gore almost became president. But, I know I am a better person for attempting to explain this to my son.
Whats wrong with Sweden? From here, it is a belief that the government can fix all wrongs. Seen best in this article from the Local.se, where the Government's press regulator decided that a requirement for impartial news means a party can be labeled as "xenophobic" for expressing a belief in Swedish exceptionality and nationalism.
Now Sweden does do some things right, Ann Margaret, the Bofors Gun, Electrolux applicances, meatballs and over priced knock down furniture.
--this is terribly off-thread but since it's never happened to me before, and since a lot of Maggie readers are about my age, i thought i's ask.
I was working outdoors yesterday, and got really hot and sweaty. When i got back home, i chugged about a quart of iced tea so cold it had ice forming in it but small enough ice to drink it (i had put it in a freezer a few hours before).
At first, i felt myself cooling down nicely. But then i kept cooling, and was soon shivering, and then REALLY shivering. I had to dig out the winter long johns and heavy jerseys. Soon i was one giant muscle cramp --knotted up and stiff as a board, within a couple hours of the iced tea.
Today I'm so stiff and sore --and from the shivering, not the work, as i do that sort of work all time --that i can barely walk or move --every muscle ripped like a heavy free-weight workout from daaaays of yore.
Can't be heatstroke, not enough symptoms. Heat exhaustion symptoms mention nothing about muscle-ripping chills. Anybody ever heered of such a thing?
Heard of it, experienced it when much younger and thought a couple of ice cold colas were the best way to finish a 16 mile hike with full kit. Scoutmaster said the chills were caused by cooling off too fast and not drinking enough water while hiking.
Since then I take frequent sips of water and when done, a short spritz with the garden hose. I save the cold stuff for later. Also learned if bathroom breaks seem far apart, you're not drinking enough.
That's it to a 'T', Walt --funny it never happened before --thanks youze guys --a whole-body ice cream headache. Beat me up like a army mule --!
I had to come back and see if Walt really said ''16'' and not ''6'' --or even more to my liking, ''1/6''


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Princeton Presbyterian Church (EPC) Sermon # 1390
March 24, 2019 Hebrews 9.11-14; 10.19-31
Rev. Dr. Ed Pettus
(This is an extended outline, not a verbatim transcript.)
"Stir Up Love"
Washed in the Blood (Heb 9.14, 10.22)
I wanted to begin in Hebrews 9 to show the reason we are able to approach God with confidence and in the freedom of forgiveness and grace. We have seen how Christ is our high priest. Hebrews has made that clear, Jesus is unlike any other priest for He is without sin. He is superior to all other priests as well for He Himself without sin offered Himself for sin, to take our sin upon Himself and satisfy the justice of God. Therefore, we are washed clean in the blood, sprinkled clean! Christ has enabled us to do what we could not do on our own, to be cleansed in such a way to free us to serve the Lord. Our consciences have been purified – no more guilt or shame, no more hindrance to do good works, no more dead works apart from faith (Romans 14.23).
We have in Christ the promises of eternal redemption, salvation, clear conscience, and a life of service to the living God. At the end of what I just read in Hebrews 10 it says it is a fearful thing to fall into the hands of the living God. But that is for those who continue pursuing a life of sin. Here, it is a joy to serve the living God, no fear, no concern for the wrath of God (Romans 5.9), only the cleansed life of service.
I only chose to read from chapter 9 to show why we are able to do what is revealed in chapter 10.
Draw Near to God (Heb 10.22)
First, is to draw near to God. Because of what we see in chapter 9 and really in every chapter to this point, we come to some integration of the truths we have received into the action of our lives.
19 Therefore, brothers, since we have confidence to enter the holy places by the blood of Jesus, 20 by the new and living way that he opened for us through the curtain, that is, through his flesh, 21 and since we have a great priest over the house of God, 22 let us draw near with a true heart in full assurance of faith, with our hearts sprinkled clean from an evil conscience and our bodies washed with pure water.
With all that has been said about Jesus Christ and His saving work on the cross, now we are called to draw near to God. Most of the calls to draw near are calls to come and be cleansed or renewed or to return to God. Isaiah uses the phrase to draw near many times but in one case its the same meaning with different words, Isaiah 55.6-7,
"Seek the Lord while he may be found; call upon him while he is near; let the wicked forsake his way, and the unrighteous man his thoughts; let him return to the Lord, that he may have compassion on him, and to our God, for he will abundantly pardon."
James 4.8-10
8 Draw near to God, and he will draw near to you. Cleanse your hands, you sinners, and purify your hearts, you double-minded. 9 Be wretched and mourn and weep. Let your laughter be turned to mourning and your joy to gloom. 10 Humble yourselves before the Lord, and he will exalt you.
This is how it is used in many cases, draw near for cleansing. But in Hebrews it seems to have a slightly different use; draw near because you have already been cleansed! Because of Christ we are able to draw near without fear and without judgment because Christ has already paid our debt.
Hold Fast the Confession (Heb 10.23)
The next tells us, now that we have drawn near, to hold fast to our confession of hope. We have this hope, sure and secure, because Jesus is faithful in all His promises. And what has He promised? We could spend the rest of the day examining all the promises Jesus has secured for us throughout the gospels and the New Testament. But just in Hebrews alone we have promises – like Christ died that we might live (Hebrews 2.9). He has destroyed the devil (Heb 2.14). The promise of rest (Heb 4.9). The promise of mercy and grace when we draw near (Heb 4.16). The promise of God's Word in our hearts and minds (Heb 10.16).
There are many more to see in Hebrews and throughout the whole of the Bible. So we hold fast our hope. We grasp it with our lives in such a way that it is demonstrated in how we transact with others, in how we view the world, in how we keep our cool, in how we pray and work and worship and conduct ourselves daily. We demonstrate through our confession of hope a strength of faith and love and good works and confidence. We stand firm in the Word of God and against all who oppose God. We seek to discern what is good and acceptable and perfect (Rom 12.2).
So we embrace this confession of hope as we embrace life, without wavering, without a doubt that Christ keeps His promises. Holding fast to the things of God means living life by the things of God. I have traced holding fast through the Bible from time to time and did so again in preparation for this sermon. Here is just a short list of things to hold fast: In Genesis – hold fast to your wife! (But that's another sermon). Hold fast to...God, integrity, righteousness, covenant, love, justice, patience, goodness, and to the name of Jesus. Of course there are many more that we are to grasp and seek and focus upon, and what all these things hold together are actions that reveal the hope within us. If we had no hope in God, what's the use in practicing any of this faith tradition that opens us up to ridicule and persecution and the hatred of the world? Why sacrifice our finances and time and energy and very lives for the sake of God and His Word if not for the hope we have within us? Hope runs deep in the live of every believer and it stirs us to love and faith and grace and mercy and justice and righteousness and all that discipleship entails.
This confession of hope leads us to live in the ways Hebrews and the Bible commands. The next verses expands it further.
Stir Up Love (Heb 10.24-25)
Eliminate the verse numbers for a moment and read Hebrews 10.24-25 as one sentence.
And let us consider how to stir up one another to love and good works, not neglecting to meet together, as is the habit of some, but encouraging one another, and all the more as you see the Day drawing near.
It's all connected. Stirring up love and good works can only occur when we are gathered together to encourage one another. I'm very saddened that there has been a new virtual church pop up on the internet. The idea is that you don't have to gather anymore, just get your church time online. Now that might serve well those who are shut-ins, but that's not why this has been formed. It's to facilitate something else, something unnecessary, something even possibly opposed to the Scriptures. Hebrews in particular tells us to not neglect getting together. The implication is worship, but we could also argue that it goes beyond worship to eating lunch together, having other ways of getting together for encouragement, and for that matter even telling us to go be with those who are unable to gather so that they too can be encouraged and we become encouraged by them.
This word from God is to encourage us to encourage one another by stirring love, stimulating love and good works through the habit of meeting. "Consider" how to do these things is to think about ways to stir the pot. Give it some thought; make it a daily aim in life. Find someone to encourage whether you think they need encouragement or not.
This is a huge place where the Bible departs from the world and its ways. What do we hear most of all in the world and from other people? Here is what I think. We hear complaints, gossip, edification of mistakes, criticism, rumors, and the like. You know why Hebrews tells us to encourage and stir up love? Because we need it, first, but also because it is so rare in the world! Think about the last time someone said something encouraging about you or to you. Think about how you felt to be complimented or you found out that someone thought highly of you. Often that is a rare thing among us and certainly rare in the world of news media, politics, places of employment, and so forth. Seldom do people notice and say anything about what is done right, but oh how vocal we become when something is wrong or does not fit our eye or displeases us.
We need to take more time to stir up love, to stimulate good works (and I would add - good words), to encourage one another when we come together to meet and worship and eat and play. To stir it up here means to encourage, to stimulate, to spur on or provoke love and acts of love. Love is not just a feeling but actions of love. It is not just feeling loving but thinking of ways to act on the feeling or to act on the command to love when the feeling is nor even there. We might ask ourselves and others, what can we do so show love? What can we do to love one another, to love enemies, to love the world? It is not always easy. Sometimes it takes tough love, tough on the lover and the loved. The implication here is not just to love, each of us loving as we can, but to stir it up with one another!
Check out 1 John 3.16-18,
16 By this we know love, that he laid down his life for us, and we ought to lay down our lives for the brothers. 17 But if anyone has the world's goods and sees his brother in need, yet closes his heart against him, how does God's love abide in him? 18 Little children, let us not love in word or talk but in deed and in truth.
Jesus demonstrated His love by laying down His life. So we are called to demonstrate our love by laying ours down for others as well, not in dying on the cross but in stirring up acts of love with one another. Love stirred is love that moves beyond word to works, good works in truth.
The Faithful One (Heb 10.23)
I want to return for a moment to Heb 10.23 and the last half of the verse, for he who promised is faithful. The faithful One is Jesus Christ. He is the reason for everything we have heard this morning. He is the reason we love and stir up love. He is the reason we hold fast to our confession of hope. He is the reason we able to draw near to God and His throne of grace. This love we have is a direct reflection of God's love to us and to the sacrificial love seen in Jesus. So we cherish and hold fast to our hope and know beyond doubt that we have something better in Jesus. Better promises, better covenant, better hope, better sacrifice. We trust this God who has given His only Son to save us.
I did not read this part of chapter 10 earlier, but turn with me to Heb 10.32-36 which answers the question of our hope and how we live it.
32 But recall the former days when, after you were enlightened, you endured a hard struggle with sufferings, 33 sometimes being publicly exposed to reproach and affliction, and sometimes being partners with those so treated. 34 For you had compassion on those in prison, and you joyfully accepted the plundering of your property, since you knew that you yourselves had a better possession and an abiding one. 35 Therefore do not throw away your confidence, which has a great reward. 36 For you have need of endurance, so that when you have done the will of God you may receive what is promised.
Do not throw away your confidence! Now, look back at verse 19
we have confidence to enter the holy places by the blood of Jesus
And to verse 23
Let us hold fast the confession of our hope without wavering, for he who promised is faithful.
Our confidence is in the One who has promised. We possess a confident hold on that confession of hope and that hope in Jesus compels us to do what is right and just and loving.
The Hands of the Living God (Heb 10.31)
Now, I would be remiss if I don't comment on the warning given in Hebrews 10.26-31. Hebrews likes to warn people against unfaithfulness and not holding fast to the confession of hope. This warning is for those who give up hope and decide to live in sin. It is when we give in to sin and just say I don't care if it's wrong, I'm going to do what I want. Most of us battle with sin on a daily basis, but we are battling. We are trying to do what is right and confront in our own lives and in the lives of others what is sin. We know today, as in the days of Hebrews, there are people who just want to live in continual unapologetic sin. It is especially the case for those who have heard the truth but refuse it. It is interesting that the sacrifice of Jesus is so much greater (Heb 9.14) with His blood cleansing those who believe, contrasted here with how much greater will be the judgment on those who do not believe (Heb 10.29).
Paul expresses an answer to the question someone must have posed or he felt could have posed. It is in Romans 6, should be go on sinning so that grace may abound all the more? No.
Romans 6.1-4 What shall we say then? Are we to continue in sin that grace may abound? 2 By no means! How can we who died to sin still live in it? 3 Do you not know that all of us who have been baptized into Christ Jesus were baptized into his death? 4 We were buried therefore with him by baptism into death, in order that, just as Christ was raised from the dead by the glory of the Father, we too might walk in newness of life.
Well, the text today ends with a warning, but I want us to remember that we are baptized into Christ's death, dead to sin and alive to God. We are those holding fast to the confession of hope. We are not sinning deliberately and putting ourselves at risk of judgment. Pray for those who are in that risk. Speak the Words of Truth to them when possible. But most of all, draw near to God, stir up love in one another, and hold fast our confession of hope, for He who promised is faithful. Amen.


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Category: Events, Helping Paws Day 2017 | July 24, 2017
Helping Paws Day is Tuesday, August 1!
This year, we're holding our second annual Helping Paws Day on Tuesday, August 1. Davanni's is giving back 10% of all dine-in and take-out sales to Helping Paws. Helping Paws, locally based in Hopkins, is the organization which trains and provides service dogs for individuals with physical disabilities and veterans with PTSD. Helping Paws' mission is, quite simply, "Furthering people's independence and quality of life through the use of Assistance Dogs." We even have some Helping Paws dogs visiting our shops!
Helping Paws Day is also the same day as Night to Unite, but you can still support Helping Paws by ordering your favorites to go and bring them to your gatherings!
Check out these amazing stories from people who have benefited from a Helping Paws Service Dog:
Joe & Bogey: Joe is an Army Infantry veteran. He conducted combat operations as part of 2nd BN 2nd INF REG, 1st ID in support of OIF from 2004-2005. He was diagnosed with PTSD in 2005 after leaving Active Duty. In the following years, Joe lived with the symptoms of the disorder that at times could be very crippling. After several years of treatment, he enlisted in the Minnesota National Guard but suffered a devastating setback during a training exercise. Joe's wife, Kat, found the Helping Paws organization while researching PTSD and suggested that having a service dog might help alleviate the stress, anxiety, and seclusion that he was enduring. Enter Bogey, a charismatic, fun-loving Golden Retriever with a big heart. He has been helping restore Joe's independence and ability to travel outside of his home. Joe has found a battle buddy in Bogey and finds confidence in his knowing look that says "Hey, we got this." Out in public, he automatically creates a blocking position for Joe, who knows that he's got his back. When Joe's anxiety level rises, Bogey will nudge his hand or leg to reassure him and ground him in the present. At home, he demonstrates the same caring behavior and has become attuned to Joe's emotional state. When he knows that he's needed, Bogey will rest his head on Joe's leg, staring up at him and wagging his tail, inviting him to pet or play. Bogey is a great friend and family member. Helping Paws and everyone involved with the organization have done a great job and are a huge assistance to Joe and his family.
Paul & Franny: My name is Paul Flick, Veteran of the Marines and Vietnam. Some of my adventures with Franny start on the morning of our first day together. I was awakened by having my hand licked but I also realized that I was having a nightmare. Our first big outing was going to the State Fair. We visited the WCCO Radio Booth to watch their presentation of "Minnesota Hospital". Broadcaster, Dave Lee, noticed there was a dog in the front row and asked her name "on the air" and then he noted that she was a Helping Paws service dog. He mentioned what a wonderful service Helping Paws does and the help that they give to people with disabilities. Can't beat free air time! Later as we moved around the State Fair, someone asked "is this the Franny she heard about on WCCO Radio". Yes, she is, and Franny shook the lady's hand. Now I'll have to learn the cue for Franny to sign her name.
Tess & Macy: I am 26 years old and was employed as a Hospice social worker. I am excited to get back to work in the future and will continue to help others and find purpose in my every day. One year ago in April, I found out I had an aggressive tumor growing on my spine. I chose to live and had it removed last August, which left me paralyzed from the waist down. I'm destined to live a great life and intend to do so, making each day worth it. "If it's cold outside, show the world the warmth of your smile." Macy and I seem to have an understanding of each other that's hard to explain. When either of us are in a funk, the other one seems to lovingly get us out of it. Macy will help me get dressed and undressed, open doors, pick up dropped items, and much more. I am excited to see where we are in six months or a year and look back at these days, thinking, WOW so much has changed! I am so excited to have and be Macy's companion, her go to person for all that she needs. I love her timid nature, joyous spirit, and unshakable loyalty. She might say about me that she loves my playful and nurturing personality. She's a dog fit for a queen and I'm lucky to call her mine! Thank you to the Cherwinka family for the PRICELESS gift they have given me. I'm so lucky to call Macy mine! Thank you to all the supporters, staff, foster homes, and other people or businesses that are involved in carrying out the Helping Paws mission.


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What is being spiritual?
Is it knowing the bible very well to where you can quote large amounts of scripture or at the least scripture to pertains to life's problems?
Is it demonstrating a faith attitude while in the midst of life's dark circumstances?
Is it being separated from the world so that you don't look, act, or speak like them?
Are you spiritual when you overcome the hurts, fears and abuses of life?
I am glad to say that the answer to all of these questions is, "No!" Satan memorized scripture and then quoted it to Jesus, so that knocks out the first. The outward appearances of man are not nearly as significant as the inward. Just because a facade of faith is demonstrated on the outside does not mean that it is possessed on the inside. Being separated is not an indication of spirituality because countless cults around the world, who deny Jesus Christ, have stringent guidelines for conduct and appearance, yet these people are not spiritual. In fact, they are still lost in their sin.
Finally, we will look at the overcoming of hurts, fears and abuse. I know many spiritual people who have not overcome. This may surprise you, but it is true. Many may state, "What about greater is he that is in you than he that is in the world?" I John 4:4 is a good verse. My reply to that is a question. How can it be expected for people to overcome in Christ if they have not been given instruction in truth or have been given an incorrect manner of going to God for deliverance. It is just like countless millions who have been told that they must serve Jesus with works in order for him to save them. These individuals may work tirelessly for years and never obtain salvation.
In like manner, what victory would be obtained for those who have been hurt and abused if they were given the following advice.
If you want to get victory, sell out for Jesus, live holy, give, separate from the world and pray.
What a legalistic approach. How much selling out will be enough? How can I know when I am holy enough? Is tithing enough or should I give more? If so, how much? Hair, clothes, words, actions, entertainment: I am separated…should I turn off my electric too? After all this, there is no victory. And then we wonder why people only stay in churches for five years. These hurting people have done everything they were told to do and came up empty. No wonder they leave…no wonder they give up.
It is time for us to be spiritual and make a difference. Let us start with Galatians 6:2: Bear ye one another's burdens, and so fulfil the law of Christ.


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Trump's Laptop Flight Ban Comes to an End
The laptop ban on flights ordered by US President Trump in March 2017 has been revoked as per an official statement by David Lapan, a spokesperson for the Department of Homeland Security.
The ban was imposed on 10 airports and 9 airlines coming from specific locations in the Middle East and Africa. The passengers on these flights weren't allowed to carry laptops in the flight due to security reasons cited by the Trump administration.
This decision led to a lot of controversy and confusion and added to a similar ban on by the UK on flights carrying laptops from the same airlines and locations.
With enhanced security measures in place, all restrictions on large PEDs announced in March for 10 airports/9 airlines have been lifted.
Now, passengers flying into the United States with the following nine airlines which were affected due to the ban can carry their laptops: Emirates, Etihad Airways, Qatar Airways, Turkish Airlines, Saudi Arabian Airlines, Kuwait Airways, Royal Jordanian, Royal Air Maroc and Egyptair.
— David Lapan (@SpoxDHS) July 19, 2017
According to earlier reports, there were bomb threats rumoured around terrorists using electronic devices to embed explosives which can be detonated remotely or from inside the flight.
But since no details of the supposed threat were shared, the ban faced a lot of criticism from citizens of the US as well as those affected by the ban.
The UK still has the ban in place on passengers carrying a laptop on these airlines and has given no word on when it will take them off.
The above article may contain affiliate links which help support Guiding Tech. However, it does not affect our editorial integrity. The content remains unbiased and authentic.


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23rd May 2018
17th April 2018 Venue: Triumph Motorcycles, Hinckley John Griffiths, HMRC – ITDLO – an update on CDS and Brexit EU Exit and Customs (click title to download the presentation) Lancaster House Speech - the UK will pursue a new strategic partnership with the EU, including an ambitious and comprehensive Free Trade Agreement and new customs agreement. This will seek to ensure that cross-border trade with the EU is as friction-less and seamless as possible." A White Paper was released by the Government called ' The UK's exit from and new partnership with the EU. Point 8 stating 'We will forge a new strategic partnership with the EU, including a wide reaching, bold and ambitious free trade agreement, and will seek a mutually beneficial new customs agreement with the EU.' 15th August saw 'A Future Partnership' Paper being published The government has a vision of a highly streamlined arrangement which will simplify requirements. New technology will be implemented – CDS was mentioned. There is however no other new regarding any other new technology.


text: My definition of adventure is anything that pushes you out of the mundane of the everyday, however small. It means different things to different people, but for me it means stepping out of my comfort zone, learning, exploring and seeing things anew, often involving beautiful places in the great outdoors. Slowing down and taking the time to appreciate and learn about these beautiful places is very important to me.


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We've previously discussed various ways in which technological innovation is reaching across all sectors of industry. Buckminster Fuller once said, "You never change things by fighting the..
Trying to decide a future career path can be a difficult one. You may not be geared for the office setting, but instead, love being outdoors and working with your hands. The mining industry has..
Many people get frustrated quickly when gas prices go up. It means higher expenses at the pump whether you're traveling for business or pleasure, and rising gas prices often lead to rising..
Applying for new jobs is stressful. It can feel like you're not getting anywhere fast, especially if you never receive feedback. If you want to get your job search on the fast track, just..
Most hiring managers have been there: you have a highly qualified candidate that you've been actively pursuing for an open position. They've been in for an interview or two and passed several..
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The mining industry has a serious shortage of employees in their 40's and 50's. In many cases, these individuals are not being hired and often are overlooked in an effort to make room for younger..


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The Reasons Why People Find It Convenient to Use the Juul E-Cigs
With the invention of the vaping materials, some companies have been started to deal in this product. The different companies have been able to start the production of the e-cigs and their success has been linked with how they make their products different from the rest. In the US, different companies exist, but the one that has been able to leave a mark is Juul. This company makes vaping devices that are similar to many others in the market is just that they have worked hard to make their special and consumer friendly. It will be necessary to consider getting info about the importance of the Juul vaping devices. From this site, you will hence know much concerning the benefits of the Juul e-cigs.
It will be an advantage to use the e-cigs from Juul because they will be portable. When it comes to carrying around your vaping device, you will need it to provide the convenience of moving with it around. It should be well shaped and of the right size to fit in your pocket. The e-cigs from Juul will hence be portable and will also come with a cartridge that will make it easy to carry it around. This will ensure that you can enjoy your e-cig wherever you go as long as you have it charged.
It is necessary to consider the usage of the Juul e-cigs because they will have a reduced content of nicotine. Nicotine is the compound that will be responsible for the addiction to the cigarettes. The low levels of nicotine in the Juul vaping devices will be reasonable to help those who need to quit smoking. It will be good for their health because they will have reduced the harmful effects of high contents of nicotine while enjoying the product. Those who are non-smokers and do not need to get addicted to smoking can try out the Juul e-cigarettes too.
You will need to consider using the e-cigs from Juul because they will be much the same as the traditional form of the cigarettes. You will have factors that make you love the old-fashioned type of cigarettes. It could be perhaps, the size, the ease of usage and many other factors. You can enjoy these benefits by considering the vaping devices from Jull too. The users will thus feel like they have not left their traditional cigarettes while still enjoying the benefits of the vaping devices.


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|Sat 20 May 2017, 9:00am–3:00pm
Designer Labels, Vintage, Op Shop and Fab Jumble.
Treat yourself to top designer pieces without breaking the budget, stand out from the crowd in your authentic vintage finds, or buy yourself a whole new outfit for less than the cost of lunch. The Bindaring Sale is the place to be.
All proceeds go to Red Cross, funding many valuable services supporting the vulnerable in our communities. The Bindaring Clothing Sale is the biggest single event fundraiser for the Australian Red Cross, raising over $1.95 million since it began!
Three different shopping areas:
'Boutique' for new and nearly new designer labels.
'Emporium' for vintage treasures, jewellery and beautiful eclectic accessories.
'Op Shop' for good quality clothing for every member of the family.
And the Silent Auction for our most fabulous finds.
Gold coin donation to enter the Boutique area. Follow us on instagram @bindaring for sneak peeks of what is on sale.
Win A $100 voucher to spend at the sale, for details on how to enter go to www.bindaringclothingsale.com.au.
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Sleepy Jellies and Science Fiction
Oct 3rd, 2017 by Carnegie Science Center
This week, we geek out (even more than normal) as we learn about sleepy jellyfish, Australian astronauts, and let our imaginations run wild with science fiction.
As always, send science questions to email@example.com or record a question at 412-237-3327 and your question might end up on the next episode.
Hosted by Charissa Sedor and Ralph Crewe
A Carnegie Science Center Podcast


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Nonsense and senseless-trouble
The fact that Corruption is in charge of our public affairs in Nigeria no matter what party is in power does not seem to have sunk into the mind of those who try to analyse our situation. Corruption takes over in an attempt to set up a different type of order. Or rather, in a situation where there is no order. A situation in which disorder has taken control. Corruption takes over where set down rules and regulations and orders are no longer the guarding and guiding principles of a society. Yes, we need to have a proper federal system going but what does the argument that the oil in the Niger Delta belongs to the people of Northern Nigeria have to do with vehicles driving up and down both sides of a dual carriage way leading to a senseless accident? Would the senseless accident still happen if the oil in the Niger Delta belonged to the people of Holland or Northern Ireland? Would a proper federal system prevent thieves, robbers, kidnappers, election riggers and murderers from donating to churches from the proceeds of their evil deeds? Would a proper federal system prevent the government from pursuing nonsense policies like allowing people who have looted the Nigerian treasury to give back something, some amount determined alone by the looter, without any further consequences?
There are further nonsenses to vex you out of your skin everyday as reported in the newspapers and other news sources. Like a fugitive from possible EFCC arrest challenging the government of the country to seek his extradition from where he fled to avoid arrest in Nigeria. This is someone who has cases of corrupt self-enrichment against him and members of his family. He is wanted to answer to these charges in the country. He leaves the country on his own steam. He goes to another country where he cannot be arrested and questioned in terms of his alleged corrupt enrichment. From there he now challenges the government of the country to seek his extradition back to the country. This nonsense has two levels. In the first place the newspapers and news agencies report the challenge from the accused. On the second level those who report his challenge do not question him as to the process which found him out of the country. Did the government pay his air ticket to leave the country? Why would the country then have to bring him back if he took himself off in the first place? In other places, there are fact checkers, there are clear retorts to nonsense to help society to keep its sanity.
The senseless accident happened this way. It is usual to call all dual carriage ways as express highways. It is only in Nigeria that vehicles pass on both sides of the dual highway in either direction, at any time of day or night, without any warning. There was a time when drivers going into one way streets were arrested and put through psychiatric tests somewhere in Lagos. Obviously, this is no longer the done thing. Does it mean that it is now sane to drive in either direction of any and every dual express highways? This use of the highways takes place under the eyes of the various armed and unarmed forces which disturb the peace of the road user everyday on Nigerian roads. If you stopped and asked a police man or a soldier or any one of them why they would allow a vehicle going the other way to go on, he or she would move the shoulder as if it did not concern him or her. Is there any law and order for these agents of law enforcement to maintain? To get back to the accident, the senseless accident. Suddenly, out of the blue, following traffic driving towards Ibadan on the right hand side of the dual carriage way, a minibus confronts us, coming from the opposite direction. Stop dead! The minibus driver comes out, in tattered shirt and cut-off jeans long faded by time and use, shouting: THIS WORLD IS NOT EQUAL! I HAVE PAID MY DEVELOPMENT LEVY!! THIS WORLD IS NOT EQUAL!! I HAVE PAID MY DEVELOPMENT LEVY!! Does this vehicle have insurance? Even a third party one? Who is going to fix the head lamp of the car coming on the right side? Is there still a right and a wrong in Nigeria?
A former minister of petroleum products suggests that we do not need restructuring. What we need is a change of attitude. So, we must change our attitude towards corruption. There is nothing like corruption. As, one of the ministers being investigated said, she did not steal from the country; and there is nothing wrong with wearing expensive watches and jewellery. What used to be called corruption is now known as a normal economic activity of those who occupy public office all over the country at the federal level, at the state level and at the local government level. Out of their economic activities they could give us a little from time to time. In fact they do not have to give it to us. They can make returns no matter how little to the government which can decide to do what they like with the money. In the meantime they do not have to pay salaries, since we do not expect them to sell themselves in order to pay us, the working people of the country salaries. After all we can plant in hope and harvest in desperation whatever we can persuade the soil to give back to us.
The courts must be closed since there are no cases coming there for judgment. Lawyers are employed to ensure that no cases ever got to the courts. And anyway, with the personnel not being paid their salaries for how many months nobody cares to remember, the courts are not open anyway. And with judges giving judgment from where ever they are when and if they are needed to give some judgments, all that we need is nonsense and senselessness!


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Busy weekend of preparation before town's Christmas lights turned on
PUBLISHED: 06:36 24 November 2018
Tracey Fowler
The Christmas lights will be switched on in Portishead next week and the main event will take place in a new location this year.
Volunteers will be busy over the weekend stringing up the decorations ahead of the lights being turned on for the festive season on Monday.
In years gone by, the ceremony had taken place next to Somerset Hall, in The Precinct.
However, in a change with tradition, it will next week happen outside Goodman & Lilley in the High Street so more people can see what happens.
Matt and Rosemary Westley will be among the party turning on the lights this year.
There was a public campaign to get them involved after the Times revealed a couple of weeks ago they will be shutting their shop and retiring early next year.
Father Christmas and BBC Points West weather presenter Jemma Cooper will also be involved.
Santa is hopeful he can get the time off making children's toys to be in town for 6.10pm where he will collect letters from youngsters – although he can only reply to those which have a name and contact address.
A whole host of sponsors and VIPs will flick the switch on the stage at 6.30pm. The ceremony will conclude with a firework display, sponsored by Future Bathrooms, one of the lights' main sponsors.
This year's lights will stretch for more than two miles and feature an estimated 7,000 LED bulbs.
They will run from Parish Wharf Leisure Centre, along the High Street and also take in the Triangle and West Hill.
Eagle-eyed spectators will also notice the big new tree outside St Peter's Lodge this year.
Heating engineer Terry Rollings donated the tree to the Christmas lights committee.
An illuminated reindeer and sleigh will also be put up this year.
Portishead Christmas Lights won a £1,000 grant in a competition and is using the fund to decorate the area around Masterkey, in the Precinct.
To find out more about Portishead Christmas lights check out the group's Facebook page or visit www.portisheadchristmaslights.co.uk
If you value what this story gives you, please consider supporting the North Somerset Times. Click the link in the yellow box below for details.


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Guests at The World's 50 Best Restaurants Awards 2015 were treated to a Champagne reception put on by the award's sponsors, before entering the Guildhall's Great Hall to hear the reading of the list and celebrate award-winners.
Delights served up included Champagne from Veuve Clicquot, water and soft drinks from S.Pellegrino and Acqua Panna and beer from Estrella Damm. The official after-party was put on by Mexico's tourist board. The full list of partners is available here.
50-best-opening-slide Guildhall Chef selfies Massimo-Bottura Ashley Palmer-Watts Brett-Isaac Reception White-Rabbit Helene Darroze Daniel-Boulud Daniel-Humm Albert-Adria Top-3 Roca-Brothers The World's 50 Best Chefs together


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CRA compliance gets pricey as mortgage market tightens
Affordable housing shortages and declining loan volumes are making it difficult for banks to originate enough mortgages to meet their Community Reinvestment Act obligations, which could make filling shortfalls with loans from nonbanks more expensive.
It's a recurring challenge in the industry that resurfaced late last year and may even continue into 2018.
"I think you've got a lot of banks that are having more trouble meeting the CRA goals," said Jeff Bode, chief executive officer at nonbank Mid America Mortgage in Addison, Texas. "We've seen investors stepping up already in the CRA space."
CRA loan purchases have been scarcer since 2016 ended, but that's probably due to "seasonality," said John Hedlund, chief operating officer and managing director of correspondent lending at AmeriHome Mortgage Co., during a recent conference panel on loan trades.
Sellers are still expecting buying to pick up "closer to the end of the year," said Greg Tsang, co-head of Wells Fargo Securities' residential loan trading business, during the panel, which took place at a Mortgage Bankers Association conference.
If banks can't originate enough loans to meet CRA requirements, they may buy some. Whole loans that haven't incurred the fees involved in going through the secondary market might be the most cost-effective option, even if they have to pay a premium to compete with other buyers.
Buying earlier in the year may mean a better price, but it might not be necessary if an institution can originate enough of its own CRA loans.
However, affordable housing shortages and slower originations have been increasing the challenge involved in banks' efforts to both originate and buy low-to-moderate income loans in their footprints.
"It's hard for [lower income] borrowers to qualify," said Francesca Sedini, senior vice president, CRA programs and project manager, at Iberiabank in Sarasota, Fla. "This year is going to be tough."
Her institution is already looking into various third-party resources to acquire the loans it needs, but has faced challenges finding ones that match its specifications.
Larger banks in particular may be concerned about CRA. Most of the limited merger and acquisition activity involves larger institutions that tend to draw more regulatory scrutiny.
Regulators that enforce CRA carefully look at whether banks support sufficient lending to low-to-moderate income individuals or in Census Bureau tracts where they take deposits. There's not an exact number to hit, but regulators generally want to see that banks are supporting community development and low-to-moderate income lending in line with the size of the deposits they are taking in their footprint. Officials weigh this heavily as they decide whether to approve M&A activity or growth.
"The impact of a low CRA rating could really affect a bank's ability to grow or even install an ATM," said Barbara Boccia, a senior director at Wolters Kluwer.
Of the 249 bank M&A deals done last year, 218 involved banks with over $10 billion in assets, according to a Deloitte report. Regulators generally pay more attention to larger players because they have more systemic importance.
The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corp. gave 20 institutions "needs to improve" or "substantial noncompliance" ratings in 2016 and announced seven more this year through May. With more than 1,000 CRA exams conducted between the two agencies each year, most institutions pass muster with regulators. But the industry is paying more attention to CRA issues after a number of high-profile banks, including Wells Fargo and Santander Bank, recently received negative ratings. Home loans are not the only form of community development counted for CRA purposes and not all cited weak low-mod home lending in particular, but some did.
"The focus seemed to be greater last year than in previous years," said Tom Millon, president, CEO and chairman of the Capital Markets Cooperative, a subsidiary of Computershare that helps supply CRA loans to its bank members. "Definitely, the pressure is still on."
New requirements for Home Mortgage Disclosure Act reporting that take effect next year could make it even tougher to fulfill CRA lending requirements in 2018.
HMDA, a statute instituted to guard against discriminatory lending, involves annual data collection that bank regulators can use in their qualitative CRA examinations. "There is no magic number" of loan originations and purchases for CRA exams, which rest on examiners' judgment, said Boccia. But regulators do tend to examine HMDA numbers in order to get a sense of how well banks support low-mod lending in their deposit base, she added.
One of the new HMDA reporting requirements is a Universal Loan Identifier that will make it easier for examiners to see how frequently the same low-mod loan has been bought and sold. When loans are repeatedly bought and sold, they're often counted multiple times for CRA purposes.
"The number is unique to the loan and is never used by any other loan," said Leonard Ryan, president of QuestSoft, a provider of automated compliance review technology in Laguna Hills, Calif.
While it's not clear whether examiners will be concerned about this, lenders are wary of it, he added.
Automation could make acquiring CRA-qualifying loans easier, but it's not a panacea. Currently, institutions often pay third parties to find loans they can acquire to help fill CRA gaps, as well as seek out lenders in specific geographic markets, loan aggregators and cooperative groups that can help them.
A cost-effective online trading platform with the right filters could make that process easier. But so far, building a critical mass of trusted loan sellers to meet demand has been a challenge.
With loans in short supply right now, it could take some time to develop. But there are signs that it will, said John Ardy, CEO at online platform Resitrader in Calabasas, Calif. For example, Promontory ResiMarkets provides online loan trading.
"The overall trend is that there is a movement toward an electronic exchange," Ardy said.


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Dean L. Gustavson, FAIA
NCARB President 1969-1970
During Dean L. Gustavson's time as president of NCARB in 1970, he oversaw the burgeoning importance of a standardized, national profession examination, which eventually led to the Architect Registration Examination (ARE).
Gustavson was born in 1924 in Salt Lake City, UT, where he attended high school and lived until serving in the Army Air Corps from 1942 to 1946. After flying in the European Theatre in World War II, Gustavson completed his Bachelor of Arts in Architecture in 1951 at the University of California, Berkeley.
As president of Dean L. Gustavson Associates from 1953 onwards, he led his firm in the design of several highly recognized projects. His work on the Western Savings Building of Portland, OR, was granted a Merit Award in Design from the Utah Chapter of the American Institute of Architects in 1967. Additionally, projects for the First Security Bank in Salt Lake City and the Merrill Engineering Building at the University of Utah were also recognized by the Western Mountain Region of the AIA.
In addition to his work on several NCARB committees in the 1960s-1970, Gustavson served nine years as president of the Utah State Architectural Registration Board and four years as chairman for the Building and Construction Committee of Salt Lake City. He was also an amateur aviator and astronomer.


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PORT ELIZABETH, May 13 – The African National Congress (ANC) has released its list of premier candidates for the eight provinces where it won the 8 May elections after a special National Executive meeting (NEC) on Monday at the Saint George Hotel in Irene, Gauteng.
The ruling party's secretary-general Ace Magashule said in a statement that gender parity, unity and stability were some of the guidelines for how the NEC arrived at its decision.
Out of the three names that the NEC received from each of the eight provinces, the following were nominated:
• Eastern Cape – Oscar Mabuyane
• Free State – Sisis Ntombela
• Gauteng – David Makhura
• KwaZulu Natal – Sihle Zikalala
• Limpopo – Stan Mathabathe
• Mpumalanga – Refilwe Mtsweni
• Northern Cape – Zamani Saul
The statement said that the decision for the North West premier candidate would be announced: "in due course following internal engagements".
"The NEC further agreed that in provinces where Premiers are men, then at least 60% of the Provincial Executive must be constituted by women.
"There was a consensus that in instances where the premier is a female there shall be at least 50-50 representation in the provincial executive," Magashule said.
He said that speakers in all provinces would be women regardless of the premier's gender and that youth representation would also be a consideration.
The NEC again thanked all its structures, volunteers as well as its alliance partners for their support and work during the campaigns and the elections.
Magashule said the ANC would " undergo a process of self-introspection and assessment of its election campaign".
– African News Agency (ANA)


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Enjoy this free Connemara quilt block pattern, part of Ireland Block of the Month. When Laura Roberts, one of McCall's Quilting/McCall's Quick Quilts contributors, discovered she would be going along on the McCall's Quilting trip to Ireland in 2012, she decided to start an Ireland-themed quilt in anticipation. Get all of the FREE Ireland quilt block of the month patterns!
Download this FREE quilt pattern for the Connemara quilt block.
Cutting Instructions (cut in order listed)
Pink mottled batik (flower petals)
– 8 squares 2″ x 2″
White-on-white print (background)
– 4 squares 3½" x 3½"
– 8 rectangles 2″ x 3½"
– 4 squares 2 3/8″ x 2 3/8″
– 12 squares 2″ x 2″
Green mottled batik (leaves)
– 4 squares 2 3/8″ x 2 3/8″
– 8 squares 2″ x 2″
Light green print (leaves)
– 4 rectangles 2″ x 3½"
Light pink fairy print (center)
– 1 square 3½" x 3½", fussy-cut centering fairy
Piecing the Block
1. Draw diagonal line on wrong side of pink 2″ square. Place marked square on white 2″ x 3½" rectangle, right sides together, aligning raw edges (Diagram I). Stitch on drawn line; trim away and discard excess fabric. Open and press. Repeat on opposite end of rectangle to make pieced rectangle. Make 4. In same manner, make 4 pieced rectangles using green batik 2″ squares and white rectangles.
2. Draw diagonal line on wrong side of white 2 3/8″ square. Referring to Diagram II, place marked square on green batik 2 3/8″ square, right sides together. Sew ¼" seam on each side of marked line; cut apart on marked line. Open and press to make 2 pieced squares. Make 8.
3. Referring to Diagram III and watching orientation of pieced squares, stitch together 2 white 2″ squares, 2 green/white pieced squares, 1 green/white pieced rectangle, and 1 light green print rectangle to make block unit. Make 4.
4. Referring to Diagram IV, sew 3 rows using 4 white 2″ squares, 4 pink/white pieced rectangles, and light pink fairy print 3½" square. Sew rows together to make block center. Add block unit to each side of block center. Sew white 3½" squares to ends of remaining block units and stitch to top and bottom to make Connemara Flower Block.


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Toronto Poetry Slam Team rocks Word on the Street on Sept 25
The TPS Team will be slamming against each other on Sept 25 at 330pm at the Vibrant Voices tent. It's free!
Be sure to come at 315pm to snag a seat, and revel in the loveliness of spoken word in the fresh air. And check out WOTS while you're at it!
Questions? Email firstname.lastname@example.com


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Child health clinics are moving from Wapping Health Centre and from 7th January will be held at Ocean's Children Centre and Wapping & Bigland Children's Centre.
Don't Panic!
Parents are advised not to panic however as according to the GP Care Group baby clinics will still be held at the Wapping Group Practice in Wapping Lane.
Walk-in clinics are being moved to the Ocean and Bigland Children's Centres and Health Visitors will still operate from the St. Peters Centre in Reardon Street.
A spokeperson for the GP Care Group said that a more detailed statement would be issued later in the week. When we get it we will update this page.
Petition to stop Child Health Clinic move
However, a lot of Wapping parents are more than a little upset that after 30 years serving the children of E1W that the Child Health Clinic is being moved and have started a petition which you can see and sign here.
"This decision appears to have been taken without consulting Wapping residents and represents a continuation of their efforts to chip away at public services in our area," said Tim Boler who started the petition.
Many thanks to the eagle-eyed resident who spotted the notice and told the Wapping Mole!


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Cheap Animal Crackers on Amazon. Time to Stock Up the Mini Van.
I just ordered two more boxes so we're ready for the new school year. (I'm guessing that to make it to school by 7:45am each morning, I will use a lot of bribes, rewards, pleas… and animal crackers.) Go HERE if you need the same.


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Brian T. Gravdal, Esq.
Recently, the Second Appellate District upheld, with only a small reduction, a $3,000,000 Plaintiff's verdict in Pebley v. Santa Clara Organics, LLC (FULL OPINION AVAILABLE HERE).
In Pebley, the court was confronted with yet another post-Howell question. More specifically, it was confronted with an insured plaintiff who chose to treat with doctors and medical facility providers outside his insurance plan. The court held that such a plaintiff shall be considered uninsured, as opposed to insured, for the purpose of determining economic damages.
The court concluded: "[T]he trial court properly allowed Pebley, as a plaintiff who is treating outside his insurance plan, to introduce evidence of his medical bills. Pebley's medical experts confirmed these bills represent the reasonable and customary costs for the services in the Southern California community. Pebley testified he is liable for these costs regardless of this litigation, and his treating surgeons stated they expect to be paid in full."
The defense took the position, among others, that all plaintiffs have a general duty to mitigate, i.e., plaintiffs must take reasonable steps to minimize the losses caused by a tortfeasor's actions or omissions. As the seemingly valid argument goes, by opting to seek and utilize the "most expensive method to pay for treatment" (e.g., using a doctor on a lien rather than through his or her health insurance), a plaintiff has failed to mitigate his or her damages.
In rejecting this argument (and more than conceivably giving strong ammunition to plaintiffs' attorneys with respect to post-Howell trial strategy), the court opined: "A tortfeasor cannot force a plaintiff to use his or her insurance to obtain medical treatment for injuries caused by the tortfeasor. That choice belongs to the plaintiff … [Plaintiff] had the right to seek the best care available and the incentive to do so."
Defense trial counsel needs to be aware of these issues and evaluate his or her discovery and trial strategies accordingly, including retention of appropriate expert witnesses to opine regarding reasonable and customary medical services and costs.
The attorneys at Berman, Berman, Berman, Schneider & Lowary LLP can address any questions you have regarding the above, and they are uniquely qualified to provide additional insight and guidance.


text: BLOOD.Flyers-Rangers donnybrook central. All started by a flying skate-kick to the face of a linesman. For those who are squeamish about the visual image of a helpless man getting slashed by a sharp heavy object, this might be tough. For those who are not, this will be like two kittens wrestling in a pile of snow. [The 700 Level]


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8:49 p.m. | Updated
The Olympic journey of Nick Delpopolo, 23, a judoka from Westfield, N.J., ended Monday when results of a drug test showed traces of marijuana in his system.
"Any positive test, for any banned substance, comes with the appropriate consequences, and we absolutely support the disqualification," Patrick Sandusky, a United States Olympic Committee spokesman, said in a statement.
Delpopolo, who secured his place in the London Games by winning the sport's first hour of power fight-off, earning the final spot on the United States judo team, now owns another place in history. He is the first athlete to be ousted for a positive drug test while the 2012 Olympics were in progress.
"My positive test was caused by my inadvertent consumption of food that I did not realize had been baked with marijuana, before I left for the Olympic Games," Delpopolo said in a statement. "I apologize to U.S. Olympic Committee, to my teammates, and to my fans, and I am embarrassed by this mistake. I look forward to representing my country in the future, and will rededicate myself to being the best judo athlete that I can be."
In another statement, Delpopolo elaborated on the matter.
"After making frantic phone calls to friends and family following the results, a family member confessed that the brownies she had baked (and that I had eaten a few weeks prior) contained marijuana," Delpopolo said. "I had no idea that I had ingested marijuana until that moment. I slept the entire four-hour drive home the day I ate the brownie, but thought that I was just extremely tired from training and travel."
The unnamed family member wrote a letter to the Olympic committee, saying Delpopolo had no knowledge that she "dealt with marijuana" and went on to label the incident a huge mistake.
"Words cannot express how devastated and remorseful I am for making such a big mistake," Delpopolo said. "Although my actions were not deliberate, I know that I let down the entire nation, and for that I am truly sorry."


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Gorilla Glue #4 AAAA+
Classified as a sativa dominant hybrid cannabis strain, Gorilla Glue #4's genetic makeup consists of 70% sativa and 30% indica. Known for being one of the world's strongest and therefore stickiest strains, Gorilla Glue #4 is classified by its strong smell, pungent taste and insanely powerful high.
Named for its heavy quantity of trichomes that cause anything that touches this bud to get "stuck" to it like glue, reports are arriving from cultivators worldwide who are discussing that their trimming scissors are always getting caught to this delicious bud and gunked up.
Get an alert when the product is in stock:
Additional information
king sized prerolled, Eighth (3.5 grams), Eighth (prerolled 7 joints), Quarter (7 grams), Half Ounce (14 grams), Ounce (28 grams), Quarter Pound (112 grams), Half Pound (224 grams)
1 review for Gorilla Glue #4 AAAA+
Really a good strain ideal for nighttime Heavy buzz really potent
Only logged in customers who have purchased this product may leave a review.


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Wednesday Nights
This is what we do slowly but surely….
The mandala is by me, the hand is by Ayako, the Tibetan motif is by David Green and very soon I promise I will show the finished product. Believe me when I say I can't wait to share it because it was so much fun to create together.
Posted in: Dotwork Tattooing - Mandalas