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Wall Street trading desks need a new fitness routine.
That's a polite way of saying they're bloated, and they need to get leaner as costs rise and revenues fall.
It's the conclusion of a survey of 3,000 investors by Kevin McPartland at Greenwich Associates.
His primary conclusion — that trading operations need to get smarter, more focused on a smaller number of clients, and better at using technology — presents a challenge for Wall Street workers.
"Changing a business model that has largely remained intact for decades is not easy," McPartland said. "Feelings will be hurt and beliefs shifted while dealing desks are restructured to become more efficient and more effective given current regulations, technology, and economic conditions."
First, let's set the scene. Traders have long been measured by revenues. That approach no longer makes sense, according to the report.
"Before 2008, revenues on most desks were so high that costs didn't really matter," McPartland wrote. "Even if profit margins shrunk below what was seen as a reasonable level, showing revenue — and as a result, market share growth — was more important. Those days are over."
A case in point: Revenues in fixed income, currencies, and commodities at the top 10 banks stood at $38.2 billion in the first six months of this year, according to Coalition, down from $57 billion in the same period in 2011.
Meanwhile, the cost side of the equation is heading in the opposite direction. The report said:
"With revenues under strain, what seems like a never-ending increase in costs makes running a successful trading desk feel all but impossible. Under Basel III, the cost of capital has gone up considerably, acting as one of the single biggest pain points for bank management. If we think of capital as a trading desk's raw material, ultimately used to create, buy and/or sell whatever products investors need, the cost of that raw material has gone up, driving senior management to limit how much the desk is able to use."
So what now?
There needs to be a significant amount of change, according to the report. Trading desks need to slim down and better focus their limited resources on key clients. Those that do this best could become new market leaders. From the report:
"The now obvious reality is that many of the largest players were bloated and, due to amazingly high profit margins and ROE profiles, had no reason to change. Now change is a requirement, with the leaders getting leaner and leaner by the day. Painful in the short run for sure, but a lean operation and refined business model coupled with improving market conditions could result in a market leader."
Cutting jobs is a part of this process — more than 10,000 front-office jobs have been cut across the top 10 banks since 2011 — but isn't the entire process. The report lists 10 recommendations for how trading desks can stay relevant, ranging from managing your reputation to killing legacy technology.
Here are the recommendations that caught our eye.
Focus on profitable, not high-revenue, clients. When investment banks were chasing revenues, they focused their attention on those firms that were doing the most trading. Now, in a harsher climate, it might be that that same client is more trouble than it is worth.
This idea is part of a broader concept of investment banks understanding the nature of their client relationships. It might sound like a basic task, but Wall Street seems to have been behind the curve in this area.
For example, Gary Cohn, president and chief operating officer at Goldman Sachs, said in May that the bank is "only now starting to get more client feedback in FICC." And JPMorgan has been investing in resource-management tools.
Direct high-value sales traders to high-value clients. Once investment banks have figured out who their most profitable clients are, they should put their best people on the accounts.
"While this might sound obvious, many banks bucket clients first by asset class and region, and then on their trading style — phone or electronic," the report said. "This 'high-touch/low-touch' approach could leave a high-value client with a less experienced e-sales professional, due to their high use of trading algorithms."
Conduct more agency/e-trading where possible. There is already a shift toward agency trading taking place in fixed income divisions. What this means is that rather than a bank taking a bond from a client in the hope of finding a buyer later (principal trading), it's lining up the buyer and seller at the same time and acting as a go-between for a matter of minutes (agency trading).
Barclays explored this topic in detail earlier this year and found that 42% of block trades in the bond market ($1 million-plus) in 2015 had an offsetting trade within a day, up from 31% in 2010. There has also been an increase in electronic trading.
Buy rather than build: Tech companies usually do it better. There was a time when investment banks believed they had to be technology companies to get ahead of the competition. The problem, according to the Greenwich report, is that they all pursued that strategy, spending more and more on tech that wasn't all that different than the next bank's.
"Investment in technology is as important today, if not more so," the report said. "But the need to build everything in-house has evaporated, with third-party technology providers now offering technology so customizable that the fear of losing a competitive advantage by using the same technology as your neighbor is gone."
This is already happening. The high-speed trading firm Virtu, for example, has entered in to a strategic partnership with JPMorgan in the US Treasurys market in what could be a prelude to more collaboration.


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🌸Spring is upon us...the garden is waiting.
In today's blog I will take one of my old potted succulent arrangements that has been sitting outside in the same spot for several months now going through nature's elements, and make it new again.
Feeling Spring around the corner has motivated me to deconstruct this arrangement and while I'm at it, take a few photos and explain to you every step of the way on how to properly clean and repot your arrangement using old and new succulents. Thanks*
- succulent cleaning kit
- cactus soil
- pruning shears
- stones
- knitting needle
- Echeveria 'Dusty Rose'
- Echeveria Subsessilis 'Morning Beauty'
- Echeveria Pulidonis
- Echeveria 'Purple Pearl'
- Sedeveria 'Blue Burrito
Time to put on your garden boots and reach for your broom, the days have become longer thanks to daylight saving time, the air is still cool and crisp but slightly more acceptable to be out and about in your garden to get your hands dirty in some beautiful succulents.
I made this succulent arrangement about eight months ago in a nice round hypertufa pot. It lives in my backyard and is provided with bright indirect sunlight all day. The sedeveria has grown top heavy due to its vigorous growth and is now spilling over the planter. The dusty rose has doubled in size as well as the pulidonis that has grown a pup and also a slender stem of beautiful yellow blooms.
Time to reach for my pruning shears and chop the three sedeverias in half.
sedeveria #1...
sedeveria #2...
sedeveria #3...
I was left with three overgrown stumps with thick juicy leaves for future sedeveria pups. The photos below will show you how to pluck succulent leaves off stems and propagate them in small 2 inch nursery pots.
Plucking succulent leaves off is easy, simply give the leaf a nice tug to the side and POP it's off! I've noticed that the chubbier the leaf is, the easier it is to pull off and they propagate much faster than the thinner leaf succulent types.
I placed a few of my leaves right on top of cactus soil in 2 inch nursery pots and will keep them in a shaded location and wait for them to root, which can take several weeks, once I see the roots growing I will start to mist them with water using a spay bottle every few days. Eventually a new succulent pup will grow from the leaf and fill in the nursery pot.
Soon I was left with nothing but bare stems. Fun Fact: succulent stems can be replanted in fresh cactus soil and will grow brand new pups from the nods of the stem. Plant nods are the indentations left from a past existing leaf. Pretty cool right?!!👍🏼
Using my pruning shears I digged into the soil and cut the stem with succulent pups growing on it and made sure to leave some fresh roots on the stem for a faster recovery from the shock of being cut off and replanted. The photo below will show exactly what I'm talking about.
I will keep my succulent stem in a shaded bright location and wait for my succulent pups to grow double in size, before snipping them off the stem for future succulent arrangements.
Once I finished planting my sedeveria stem I cleaned off all of the stones from the planter...
After I cleaned off the stones I cleaned under all of the succulents and plucked off the wilted dried up leaves. I also snipped off the succulent bloom from the pulidonis.
After I pulled the dead leaves, I started to gently pull out the remaining three succulents from the planter.
Now with nothing left but old soil, I dumped it into the trash and washed off my planter and filled it with fresh cactus soil.
Time to redo my planter!! Starting with my Echeveria 'Dusty Rose'.😁
I create a hole off center to the right and gently tucked in my succulent, anchoring it down by pressing down on the soil around it.
Time to use my cool air blower and blow the water and dirt off my succulent.
My Echeveria Subsessilis was planted next...
I tucked my morning beauty right next to the dusty rose and cleaned the soil around my planter using my brush.
Next up...my Echeveria Pulidonis!
Sometime I use a knitting needle to clean debris in between my succulent leaves 😅 it gets the job done!
It's already looking pretty...
Time to clean my pruned sedeverias, I gently pop off enough leaves to leave about 1 inch of the stem bare. You know what that means, more leaves to propagate!
Once my sedeveria's were cleaned, I tuck them here and there into my arrangement. You may have noticed that I didn't wait for my freshly cut sedeveria stems to dry and seal before replanting.
Because my stems are still fresh I will refrain from watering my new arrangement for at least 1 week, to help the fresh cut stems settle into the new soil and dry a bit.
The reason why I wait to water my arrangement is to avoid root rot on my freshly cut sedeveria stems. Freshly cut succulents (cuttings) are prone to rot or bacteria entering into the stem tissue. Waiting for your stems to dry and seal before replanting will give your succulents a better chance to grow healthy.
I did it for the sake of showing you the finished product for this blog. 😉 Though I have planted fresh cuttings on several occasions and have had great luck, by waiting to water them after planting.
Take a look! All my original succulents are newly planted, though as I have pointed out, there are two spaces or "holes" I would like to cover with two new succulents...
I think another pink succulent will be a great addition to this arrangement since Spring is only a few days away it's totally appropriate!
I chose a small Echeveria 'Purple Pearl'.
The second new succulent I chose for this Spring arrangement was another Echeveria Subsessilis 'Morning beauty'. I often repeat succulents in the same arrangement, sometimes less is more*
The planting is done! I love it*💖
The finishing touches are next, a bit more of clean stones that I bought at my local Home Depot to fill in odd holes, it will also give it a more desert look with a soft touch. I carefully tuck the stones under the succulents to fill in the rim of the planter and in between the succulents.
My new succulent arrangement is officially done Succy Crafts Style* No more overgrown dirty succulents in this planter! I'm extremely proud of my new creation. Thank you for your precious time* May this Spring bring you many garden moments and more beautiful succulents of course! Thank You & ENJOY*🐝
Photo Shoot 📸
At Succy Crafts we absolutely love to photograph our succulent garden and new creations. So here we goooooooo...!
Thanks again! Until next time my garden friends*💚
*Blog and photos created by Mel Zuniga*

subset: commoncrawl


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Wisconsin has about 30 downhill skiing and snowboarding areas, and skiing resorts extend from the Kettle Moraine area to the shores of Lake Superior. Several resorts are close to the Nicolet National Forest, which contains mountainous slopes surrounded by evergreen trees. Skiing activities offered at resorts cater to all skiing levels and children. Accommodations vary, consisting of lodges, guest rooms and cabins.
Whitecap Mountains Ski and Golf Resort
Whitecap Mountains Ski and Golf Resort, situated on the western section of the Lake Superior Snow Belt, is surrounded by three mountains and boasts 43 ski runs for beginners to advanced skiers. The 18-hole Skye Golf sits on the shores of Weber Lake and boasts ancient bedrock and mountaintop forests fairways above Lake Superior. On-site amenities include lake swimming, a pool and high-speed Internet access. Lodging rentals include fully-equipped kitchens, telephones, satellite television and VCRs.
Whitecap Mountains Ski and Golf Resort
9106 W County Rd. E
Upson, WI 54565
(715) 561-2227
Devils Head Resort and Convention Center
Devils Head Resort is in the South Central Wisconsin town of Merrimac, surrounded by the Baraboo Bluffs. The resort accommodates skiers and snowboarders of all levels and has 30 runs with long, steep turns. The resort provides ski lessons from Professional Ski Instructors of American Instructors for adults and children as young as 3 years old. The pro shop sells ski clothing and accessories. Lodges feature wireless Internet, balconies or patios, television and kitchen areas.
Devils Head Resort and Convention Center
6330 Bluff Road
Merrimac, WI 53561
(800) 472-6670
Alpine Valley Resort
Alpine Valley Resort boasts 12 ski slopes for beginner and expert skiers in the Kettle Moraine area of southeast Wisconsin. You may bring your own equipment or rent skiing accessories upon arrival. The resort provides ski lessons on a first-come, first-serve basis for adults and children as young as five years old. The resort offers 27 golf holes amid its mountains. The property has an indoor pool and whirlpool. Alpine accommodations provide satellite television.
Alpine Valley Resort
W2501 Country Road D
Elkhorn, WI 53121
(262) 64-7374
Afterglow Lake Resort
Afterglow Lake Resort in Phelps, Wisconsin, sits on a 240-acre property surrounded by the Nicolet National Forest between the Sylvania Wilderness and Anvil Trail Ski Trail. The resort features 11 miles of cross-country skiing trails and seven miles of snowshoeing trails. These trails connect to the Phelps Ski Trail at the national forest. The resort has a 300-foot hill designated for snow tubing. On-site amenities include an indoor sauna and a recreational facility. Cabins have full kitchens and wood-burning fireplaces.
Afterglow Lake Resort
5050 Sugar Maple Road
Phelps, WI 54554
(715) 545-2560
Grand Geneva Resort and Spa
Grand Geneva Resort and Spa is a AAA Four-Diamond resort in Lake Geneva, Wisconsin. The resort features forested, mountainous terrain. The Mountain Top at the resort has 18 downhill slopes, 6 miles of cross-country skiing trails and snowboarding and snowshoeing areas. Mountain Top gives ski lessons to adults and children. The resort's spa and salon performs a variety of spa treatments, and the fitness center offers indoor and outdoor activities, including rock wall climbing. Guest rooms have LCD flat screen televisions and spa products.
Grand Geneva Resort and Spa
7036 Grand Geneva Way
Lake Geneva, WI 53147
(800) 558-3417
Writer Bio
Based in Tucson, Ariz., Cicely A. Richard has been writing since 1996. Her articles have been published in the "Arizona Daily Star" newspaper and "ForeWord Magazine." Richard earned Bachelor of Arts degrees in English and journalism from Louisiana State University. .


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Being a nursing professional working in a healthcare setting, from endless hours of work, sleepless nights to taking care of personal life in the best possible way, a nurse has to bear many things. Despite of these, there are few enthusiasts who consider continuing their education for an advanced degree or specialized program in nursing for a better career with better rewards.
With all kinds of master's and specialization programs for nurses available with their own set of requirements, there are some key things that can help you plan for an advanced degree nurse. A checklist of things that you'll need to pursue and become an advanced degree nurse. The checklist includes –
- You'll need to have a Bachelor's Degree in Nursing.
- A state nursing license.
- A plan for a program duration of two years in case of full-time study program.
- A plan for a program duration of more than two years in case of part-time study program.
- Any assessment courses, research or clinical courses on your transcripts from your previous schools.
- Your vaccination records and a physical examination.
- A clean background check and drug screening.
- Academic and peer references from academic sources such as your undergraduate instructors.
- A financial plan to fund your advanced degree program.
- A computer/laptop with internet connectivity.
INSCOL is a leading provider of PG courses; it offers wide range of exclusive courses including Palliative Care, Clinical & Critical Care, Acute Complex Care, Leadership & Management and more in partnership with leading universities in Canada | UK | USA | AUS | NZ.
Highlights of INSCOL
- Offers more than 20 nursing programs at 15 Universities/Colleges across the globe
- Have an alumni base of 5000+ across the world
- Have Centers across India, Philippines and Canada
- Provide assistance in scholarships and Education Loans
- Have a High-Visa success rate
If you are aspiring for an advanced degree in nursing or thinking of furthering your nursing career overseas, then select from wide range of courses offered by INSCOL that aligns best with your career goal.


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Propos'Nature cosmetic hydrolats are waters made by distilling organically-produced aromatic plants. 100% fresh, naturally preserved and free from any chemical treatment, they are used in synergy aromatherapy and phytotherapy or as an ingredient in homemade cosmetic preparations.
Propos'Nature Nutritional Floral Waters are manufactured according to a "food" specification that allows ingestion as part of a hydrolatherapy, for cooking, making aromatic drinks or herbal teas.
We could describe this as a "gentle" version of aromatherapy. Discover our whole range on our Propos'bio website.


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Well, even though it's still 80 degrees, it's beginning to smell like pumpkin spice and the crisp air in the morning is a reminder the fall season is upon us.
With the fall season comes a little update in decor to create a cozier space and to celebrate the beautiful colors of the season. Now, if you've been following me long enough you know I'm anything but traditional and this DIY fall wreath I have in store for you won't be any surprise. I've teamed up with some other fantastic bloggers to bring you a wreath blog hop! Be sure to check out the other wreaths (links below).
Now, I know I know, fall is supposed to be purples, oranges, reds, and yellows. But, those colors just don't resonate with me. I selected colors and hues that were soft and warm with a touch of glam that to me felt like fall. Rusty pinks, tans, muted greens, and of course hints of gold is my fall color palette. This tutorial can easily be interchanged with whichever colors and florals of your choosing. The skies the limit!
So here are the items you'll need to create a wreath in this style.
- 2 faux delphinium stems $6.50 each
- 3 faux rose stems (pink) $5.99 each
- 1 faux rose stem (brown) $5.99
- 1 faux moss sprig $4.99
- 1 faux gold leave sprig $1.99
- 14in gold wreath found here $5.19
- 1 yd 1/8in leather $2.49
- floral wire (already owned)
- faux steam cutters (already owned)
- hot glue gun (not pictured)


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Wednesday, February 1, 2017
wordless Wednesday
12 comments:
Hee! That strawberry couldn't contain your cuteness!ReplyDelete
Yeah... some days you just can't quite make it out of bed.ReplyDelete
Sleep ... play ... sleep ... play ... in ... out ... in ... out ... so many tough decisions for a kitten!!!ReplyDelete
Outgrowing the Strawberry beddy, huh Cassis?ReplyDelete
pleasant dreams! That little house is so adorable! catchatwithcarenandcodyReplyDelete
OMC, what a cute little bed! Not to mention kitten. ;-)ReplyDelete
oh no.. you haz spillageReplyDeleteReplies
it's melting..... :)Delete
Oh you darling sight you!!!ReplyDelete
Cassis, you do look so comfy. Too cute.ReplyDelete
Looks like the strawberry bed is getting some action.ReplyDelete
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A ribbon style band and pave diamond bloom weighing 0.25ct total weight, give this Tacori diamond engagement ring from their Dantela collection 360 degrees of sparkle. A round diamond sits pretty at the center of this Tacori design. Designed for a 1CT center stone but can be customized to fit the stone of your choosing. Please call for more information.
Matching wedding band sold separately: DBMIS10761
Center stone sold separately.
Shop for loose diamonds.


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With the rise of the Me Too movement and allegations of sexual misconduct against many high-profile figures flooding our current events many parents are wondering how to talk to their kids about consent. It is not as tough of a conversation as you may believe. Here is a quick guide to help you feel confident and get started talking today.
Helping kids understand consent (permission) early and understand their bodies belong to them makes it much easier to discuss sexual consent as they get older. The behaviors and mindset you help your child create have the power to be carried with them into adulthood. Here are some important lessons to pass on to your kiddos. You've got this parents!
Begin with teaching children that their bodies belong to them and that a person needs to ask permission before touching their body. This includes hugs, kisses, holding hands, tickling, doctor visits, bathing, bathroom help,...
Be sure to subscribe to our newsletter so you get parenting tips and tricks to get through some of life's most important talks!
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A HORRIBLE accident happened in Pharr, Texas. Early reports say that a teenager lost his life as part of what is believed to be a "prank."
The young man climbed to the top of a telecommunications tower, lost his balance and fell from the top in the presence of witnesses who recorded and LIVESTREAMED the tragic scene.
Here is another video of it, follow us on Twitter @ButIamJustSayin
Teen Accidentally FALLS When Trying To Climb Up A CELL PHONE TOWER pic.twitter.com/mfKSfjsFKC
— ButImJustSaying (@ButIamJustSayin) April 29, 2017


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Hi Doves,
I seen an article, link below recently it seems God may show us something through news,
What I mean there is a baseball player ( celebreties are like gods ) for many people and he signs a 7 year deal worth 126 million. Divide 126 and you get 18 each year and 6....6....6..... maybe its a soon rapture warning. God only knows but I find this headline very interesting in light of where we are today....


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CAMP4 COLLECTIVE 2013 REEL from Camp 4 Collective on Vimeo.Read more...
Wednesday, June 19, 2013
New Camp 4 Collective Reel
So honored to share our new camp 4 collective reel! Its been a wild ride working with so many talented people. The Whole is greater than the sum of its parts.... As always thanks for tuning in! ~renan
Posted by renan at 9:48 AM 5 comments
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Celebrate the Australia Day – this weekend with Enzo Casino
Enzo Casino is going to celebrate the Australia Day in true Aussie style, so if you have no plans for the weekend, then you should come by and join the festivities. There are lots of attractions waiting for you there, namely: a 10% Cashback that you can get on every deposit made through the day. The promotion runs between the 26th and 28th of January 2018, so it will be a total of three days filled with fun and games. This could be your chance to finally register with Casino Enzo, provided that you are not a member already.
If not, then sign up, make a qualifying first deposit and claim the welcome bonus, thus unlocking many future rewards. This could be your chance to win plenty of cash prizes, free spins and multiple bonuses, so do not hesitate any longer and head straight to the EnzoCasino website. The Australia Day celebrates all that is Australian and the players residing in the great down under can take the celebrations even further, by getting an instant 10% Cashback if they deposit during the 26-28 January this year. In order to enjoy the bonus, you must make a successful deposit with Enzo and redeem the coupon code: AUDAY26 and claim it via the online support.
This online casino has plenty of excellent content, including new games, video slots, live casino, card + table games, classic slots, scratch cards, video poker, micro bets, jackpot and action games – delivered by various software providers. The promotions are also quite interesting, and will involve a lot of free spins as well as extra chips that players may collect during the experience.
Promotion: Happy Australia Day
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Code: AUDAY26


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What is a Prosthesis?
A prosthesis is a replacement for a missing body part. People most commonly associate prostheses with missing arms and legs, but the term is also used to refer to internal devices such as heart valves, as well as prosthetic eyes and other body parts. The intention behind a prosthesis is to improve the quality of life for the wearer, while also giving the person more freedom and independence. The word comes from a Greek word, prostithenai, which means "to add to."
Archaeological evidence suggests that prostheses have been around for a very long time. Early examples of artificial limbs made from wood and various metals have been found in digs dating as far back as 300 BCE. In addition, the concept of artificial limbs and missing body parts is included in the mythology of some cultures. Early prosthetic limbs were heavy, cumbersome, and probably uncomfortable to wear. A modern prosthesis is much more lightweight, and is designed to bring functionality into the life of the wearer.
Several steps are involved in the making and fitting of a prosthesis. Each prosthesis is custom made for the individual wearer, to ensure a snug fit and an accurate length. First, the patient must be allowed to recover completely from the incident which caused him or her to need a prosthesis in the first place. Accidents and disease are two common reasons for amputation, and the site must be allowed to heal before fitting for a prosthesis begins.
While the site is healing, the patient talks with his or her doctors and a prosthetic specialist about what he or she wants. In the case of internal prostheses, the discussion is primarily focused on different available designs and how they work. Choices for external prostheses get more complicated, and they can get expensive. An external prosthesis can be made extremely realistic, or very basic, or extremely high tech and functional. Some amputees prefer artificial limbs which mimic real ones, concealing their amputation, while others place a higher value on lightweight basic prostheses, and others want something which mimics the real life function of a limb with the assistance of computer chips and smart technology.
Artificial extremities are worn in a number of ways. Many attach to the stump using suction, while others strap or buckle on. Once the patient learns to wear the prosthesis comfortably, he or she can learn how to use it. With artificial legs, this essentially requires learning how to walk again, whether he or she is using a computerized prosthesis which assists with walking, or a more basic artificial leg. Artificial arms and hands require a great deal of work as well, since ideally the prosthesis will restore functionality to the arm. Patients can choose from a variety of designs including simple hooks with cables which control them and myoelectric hands which respond to the electrical impulses in the muscles of the arm.
Advances in prostheses are constantly being made, with many amputees actively participating in the design and manufacture of better prostheses. Some organizations also focus on getting basic prostheses to people of low income, and people in developing nations who have experienced amputations.
Discussion Comments
One matter you have not included is that of "gangrenous teeth."
After "amputation" (extraction) the replacement may be done with a prosthesis. Various forms are offered: Implants, Traditional fixed bridges with mutilation of teeth, removable bridges (partial dentures) and now the Carlson Bridge(r) "Winged Pontic" tooth replacement system.


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Full Service Reconstruction
When your home or business has suffered any kind of disaster, whether its fire, smoke, or water damage, the last thing you want to do is worry about finding a reputable contractor. You simply want to put your life back together as quickly as possible. For all of your home or commercial reconstruction needs Rainbow International of Boerne is here for you 24 hours a day, 7 days a week. We offer full service restoration and reconstruction services in Boerne, Fair Oaks Ranch, Comfort, Fredericksburg, Kerrville, Blanco, Bulverde, Spring Branch, Canyon Lake, Schertz, New Braunfels and Seguin.
What is full-service restoration?
After fire, smoke, or water damage, rebuilding your home or business may be required to restore it back to its safe, pre-damaged state. Rainbow International of Boerne offers full service restoration and reconstruction services, including:
- 24/7 emergency service
- Board ups and tarp overs
- Addressing immediate safety threats
- Containing the spread of damage
- Debris removal and cleanup
- Content relocation and storage
- Full demolition and reconstruction
- Water removal and drying
- Fire and smoke damage restoration and cleaning
- Moisture control
- Mold remediation
- Cleaning and deodorizing
Why Rainbow International?
We are one of the top restoration services provider for customers in the U.S. and Canada. How do we do this? By providing fast, quality, start-to-finish restoration services with the help of respectful, trustworthy, and trained service professionals. We follow our 17-Steps quality assurance system to deliver the highest possible customer experience.
Certified by the IICRC
The most respected certification organization in the field of inspection, restoration, and cleaning services is the Institute of Inspection, Cleaning and Restoration Certification (IICRC). They provide certification to the professional technicians at Rainbow International to help identify and properly address your disaster related repair needs. You will clearly see the difference in our technicians as we strive to provide the best available methods and technology for performing top-quality repairs.
Interested in a free, full service restoration quote? Contact the professionals at Rainbow International of Boerne today. There is nothing more important to us than your peace of mind, safety, and satisfaction.


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by Lyndon H. LaRouche, Jr.
Lyndon LaRouche warns: "The world is presently gripped by a hyperinflationary wave-front of a Riemannian type. The situation is already comparable, at its primary-commodities 'spear point,' to Germany during the second half of 1923, with the other categories, such as consumer prices generally, on the way to being driven to overtake the effects seen currently in the domain of primary commodities being led, as a pack, by wild-eyed petroleum-price speculation."
by Lyndon H. LaRouche, Jr.
From an interview with talk show host Jeff Rense of Genesis Communications Network, on Sept. 21.
by Lyndon H. LaRouche, Jr.
A memorandum by LaRouche to his associates.
Testimony submitted to the Sept. 21 hearing on energy pricing of the U.S. Senate Committee on Commerce, Science and Transportation.
by Lyndon H. LaRouche, Jr.
Questions and answers from Lyndon LaRouche's Sept. 16 webcast in Washington, D.C., starting with the issue of oil prices and speculation.
by Paul Gallagher
Unless adequate investment is made, on the vast scale of FDR's Tennessee Valley Authority project, the Gulf Coast region could become relatively depopulated in the wake of Hurricane Katrina, its poorer evacuees driven to relocate elsewhere and stranded for years in "temporary housing."
by Mary Jane Freeman
by Mary Jane Freeman
Interview with Gary P. LaGrange.
by Richard Freeman
Interview with Michael Parker.
by Richard Freeman and Nina Ogden
Interview with Alwin Nijhuis.
by Jeffrey Steinberg
Sometime very soon, Congress is going to be called upon to deal with the worst global financial and monetary shock collapse in modern times. Under the best of circumstances, such action will occur after the removal of Vice President Dick Cheney and President George W. Bush from office. If the financial meltdown occurs prior to that, the burden on the members of the Senate and House will be all that much greater.
by Michele Steinberg
A report on an informal Congressional hearing called on Sept. 15 by Rep. Lynn Woolsey (D-Calif.), on defining an exit strategy from Iraq; and on the 14th annual conference of the National Council on U.S.-Arab Relations, entitled "Restoring Arab-U.S. Trust in a Time of Turbulence and Reforms."
Documentation: Rep. Charles Rangel (D-N.Y.) and former Sen. Max Cleland (D-Ga.) speak at the Sept. 15 hearing; and remarks by Hon. Charles Freeman, the former U.S. Ambassador to Saudi Arabia, to the conference of the National Council on U.S.-Arab Relations.
by Rainer Apel
Although incumbent Chancellor Gerhard Schröder did much better than expected against opponent Angela Merkel, he still does not have enough votes to form a coalition government. That makes the Oct. 2 delayed election in one city district, Dresden-I, critically important—and the LaRouche forces are mobilizing there.
by Helga Zepp-LaRouche
A statement by the Chancellor candidate of the Civil Rights Movement Solidarity (BüSo).
by Elke Fimmen
A profile of former German President Roman Herzog.
by Muriel Mirak-Weissbach
A New Orleans native, LaGrange has been Executive Director and CEO of the Port of New Orleans since 2001. He was Executive Director of the Mississippi State Port Authority at Gulfport from 1999-2001, and of the Port of South Louisiana in 1997.
A five-term U.S. Representative from Mississippi, 1989-99, Parker served as Assistant Secretary of the Army for Civil Works (chief of the U.S. Army Corps of Engineers) from October 2001 until March 2002, when he was forced to resign for his public criticism of significant cuts to the Corps budget for economic infrastructure.
A senior advisor for the Netherlands Ministry of Transport, Public Works, and Water Management, Nijhuis spoke to EIR about the experience of a nation, many of whose cities are below sea-level, but which has the infrastructure in place to cope with the killer storms of the North Sea.


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On March 29 at 2:00 p.m., in honor of Women's History Month, St. Paul's, White River Junction will host a screening of the film "Witness to History." The film recounts the story of the Philadelphia Eleven , the women who were ordained priests at the Church of the Advocate, Philadelphia, on July 29, 1974 — two years before General Convention authorized the ordination of women. The screening will be followed by discussion and refreshments.
Call the St. Paul's parish office at (802) 295-5415 with questions.


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Safari tours with ATVs in mountains, Limassol and Agros area.
Stunning mountains, fresh air and amazing nature of Cyprus, driving powerful brand new American quad bikes (Arctic Cat) ! They have prepared special trails for lovers of extreme, history and wild mountain nature.
Wild mountain ATV quad bike safari in Cyprus at Pitsilia area.
Different levels of trails for any experience drivers, 1 or 3 hours or full day trips. Lunch/dinner in local cypriot taverna (@Linari Taverna, Agros@) is included in 3-hours and full day trips.
Nice old churches, stunning views, amazing mountain rivers and beautiful mountain nature are waiting for you!
Only brand new american quadbikes #Arctic Cat#.
Tel. (357) 95 11 38 36
Agros, Limassol


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The Story of a Priest Who Embraced Islam
The Story of a Priest Who Embraced Islam and the Means of Goodness and Happiness in the Dunya and the Hereafter
Dar-us-Salam.com is now DUSP.ORG | New | Free
View all of Dar-us-Salam's Islamic Books in the English Language or sort according to the category.
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The Story of a Priest Who Embraced Islam and the Means of Goodness and Happiness in the Dunya and the Hereafter
Secret Societies is a collection of writings from the scholars of Islam uncovering the secret underworld of the Freemasons, Illuminati, and Christian missionaries, exposing their conspiracy to...
Ponder upon six events from the Prophetic history (Sirah) and understand them in an excellent manner. The history of the Messenger is important for the Muslim to study so that one may follow his...
The similitude of this world is like that of a vessel filled with honey. The flies see this vessel and fly toward it. Some of them sit on the edge of the vessel and take from the honey until they...
This concise manuscript by ibn Taymiyyah covers the subjects of seeking knowledge, the Hereafter, employment and trade, jurisprudence, repentance, aqidah, ḥadith, dua, worship, etiquette, and much...
Jesus (peace be upon him) the Son of Mary was from a line of prophets sent to the children of Israel to proclaim the message of monotheism and to purify and confirm the Law of Moses. He and his...
One hundred treasured advice extracted from the writings of the illustrious scholar, Imam Ibn al-Qayyim (may Allah have mercy upon him).


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The private equity firm Bridgepoint today confirmed the completion of its acquisition of Compagnie du Ponant from CMA CGM via its parent company Mérit. The terms of the transaction are undisclosed.
Founded in 1988 and with more than 580 employees, Compagnie du Ponant ('CDP') operates three yacht-like vessels (typically with between 32 and 132 cabins) and in 2011 carried 20,000 passengers and had revenues of €80 million.
Working with its established team and taking advantage of its niche positioning, Bridgepoint said in a prepared statement that it will provide the cruise line with the resources to fulfill its growth ambitions and to expand internationally. A fourth vessel is scheduled for delivery in June 2013. The management, led by the co-founder Jean Emmanuel Sauvée and Véronique Saadé, will play an active part in this new stage of its development investing in the future of the company and contributing to the sustainability of the original concept.
The company enjoys global market leadership by volume in the polar cruise segment thanks to the specialist nature of its vessels. It is also the clear leader in the French-speaking European market (France, Belgium and Switzerland). The luxury cruise market of the type served by CDP is a growing and resilient niche, according to Bridgepoint, with global demand supported by an affluent customer base in Europe and the U.S. that has been less sensitive to the macroeconomic environment. The polar cruise market in particular enjoys significant demand, the company stated, yet capacity is limited due to the specialist nature of ships able to operate there.
Advisers involved in this transaction included: for Bridgepoint – Bucéphale Finance (M&A), Ashurst (legal), Boston Consulting Group (market), Ernst and Young (finance) and Arsène Taxand (tax); for CMA CGM and Merit – Willkie Farr Gallagher (legal).
According to UK-based Bridgepoint, it is focusing on the acquisition of companies valued up to €1 billion. With some €11 billion of capital raised to date, it typically focuses on acquiring well managed companies in attractive sectors with the potential to grow organically or through acquisition. Although a generalist investor, Bridgepoint has developed expertise in the business services, consumer, financial services, healthcare, media, and industrial sectors. It has offices throughout in Frankfurt, Istanbul, London, Luxembourg, Madrid, Milan, Paris, Stockholm and portfolio development office in Shanghai.


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Pints of History!
Watch out Wine-Country, the Craft Beer Scene in downtown Leesburg is taking the summer by storm! The debut of the Leesburg Brew Crawl walking tour combines local craft beer, history and storytelling to create a one-of-a-kind experience. Your intimate group will have the opportunity to sample local creations while being regaled by the rich past of this historic Virginia town. (Yes, you must be 21+)
The addition of several local breweries to the historic Leesburg downtown area this year has raised the beerometer and set the stage for a variety of tour possibilities. Visit once and visit again- these tours are unique to your experience and will be sure to delight no matter the number of times you visit. This tour is ideal for a beer lover's birthday, visiting relatives or a date night!
We raise a glass (that you'll get to keep) and welcome you to historic downtown Leesburg! We can't wait for you to learn the rich history of this town and all the beer it has to offer.
To reserve your tour spot, please visit www.leesburgbrewcrawl.com or call Leesburg Heritage Tours Inc. 571-363-6011. You can also find us on Facebook!


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|Gold Mustangs at MustangAttitude.com
The first Gold Mustang was introduced the first year of Mustang production in 1964 as a gold shade of bronze called Prairie Bronze. Another golden 1964 Mustang color was Chantilly Beige. There were 41 offerings of Gold paint in 19 of the 60 production years of the Mustang. This includes of course golds, yellows and greens with promotional names of Gold by Ford, and bronzes even though that is a bit of a stretch. Follow this link to see photos of all Gold Mustangs on this site.
Gold Glow was one of the first Glow Paint offerings in 1972, as an option for $34 extra. By 1973, Gold Glow was offered at no extra charge but was offered for the last time. In 1978, and then again in 1980, a gold colored Chamois Glow was offered.
There were a few Gold featured Mustang special models. These models came exclusively in gold or special gold paint.
Aspen Gold 1966 and 1967 High Country Special
Aspen Gold was one of three special colors for the Colorado area High Country Special promotional Mustang for 1966 and 1967. The High Country Special had several sport options including a 6 cylinder or V8 engine, wire or regular wheels, and a High Country Special blue fender badge. The other two special colors were Columbine Blue and Timberline Green.
Bronze 1967 Shelby Mustang
Bronze was the name Shelby used on the GT350 or GT500 for Ford's standard 1967, year code of "V" (M2066 Ford manufacturing code), Burnt Amber paint. Shelby offered 10 of the 1967 Ford paints, 3 were given unique names: Bronze, Dark Blue and Medium Gray. Bronze is featured here because it was renamed by Shelby and because its a darn nice color.
Sunlit Gold 1968 Golden Nugget Special
Although it could be ordered in any color, Sunlit Gold (color code Y, usually followed with a "5" to indicate a black striped hood) was the primary color for the 1968 Gold Nugget Special or Golden Nugget Limited Edition Mustang. This Mustang was a special promotion in the Oregon/Seattle area which came with the 289 cubic inch 2V V8 engine, C4 automatic transmission, louvered hood, black stripes, black vinyl top, black interior, and featured unique golden plaques on the dashboard with the original owner's name engraved. 525 Golden Nugget Limited Edition Mustangs were offered. Is this Sunlit Gold or Anniversary Gold? Hard to tell, we are going with Sunlit Gold since the ad we found in the 1968 Seattle Times indicates that. On the other hand, the book, Mustang 1964 1/2-1968, by Tom Corcoran indicates that "Y5" is Nugget Gold, Ditzler 22157 which according to our paint database is 1967 Mustang special order MX709377 Anniversary Gold #1 which is a GM carryover color from 1962 also called Anniversary Gold.
Black Hills Gold 1968 Color of the Month Mustang
Spanish Gold 1968-69 Rainbow of Colors Promotional Mustang
Black Hills Gold was a special color for the January 1968, Color of the Month promotion rumored to be in the Denver area only with cars special ordered from the San Jose factory. Although we have identified other Black Hills Gold and other Color of the Month Mustangs built at other factories and sent across the nation. The Color of the Month was a promotion for the first four months of 1968, where special colors were connected to main holidays for special sales: Black Hills Gold paint for the New Year celebration in January, Passionate Pink for Valentine's day in February, Emerald Green for St. Patrick's day in March, and Eastertime Coral for Easter in April.
Spanish Gold was one of 13 special order colors available for the west coast Rainbow of Colors promotion running from 1968 through 1969. This promotion offered new Mustang owners optional upgrades and special colors such as Madagascar Orange, Whipped Cream, Spanish Gold, Dandelion Yellow, Hot Pink, Caribbean Coral, Forest Green, Sierra Blue, and Moss Green. All Rainbow of Colors promotional Mustangs were built in San Jose (VIN starting with 8R or 9R) and ordered in the Los Angeles (DSO 71) or San Jose (DSO 72) area.
1968 Golden Mustang Limited Edition
A Special Order Gold paint was used on the Golden Mustang Limited Edition offered in the Iowa/Illinois area. It featured special gold paint, louvered hood, sport wheel covers, and a special Golden Mustang Limited Edition badge.
1968 Special Dakota Days Gold Mustang
Black Hills Gold special order paint was used on the Special Dakota Days Gold Mustang. This was is a South Dakota limited edition Mustang featuring Black Hills Gold special ordered paint, sport wheels, and louvered hood. Black Hills Gold is one of the four 1968 Color of the Month special order paints, and now the color name makes sense. Black Hills Gold definitely says South Dakota. This special edition Mustang was limited to 20 convertibles and 5 hardtops.
There are several other Gold Special Model Mustangs we are working on. One group was the 1967 Territorial promotional Mustangs which used three shades of Anniversary Gold. We think that each of the three Ford factories building Mustangs in 1967 (F = Dearborn, Michigan; R = San Jose, California; T = Metuchen, New Jersey) had its own version of Anniversary Gold for local promotions. We are working on the paint chips for these Mustangs since the DuPont numbers are all different. This just in: a site visitor sent us information on his Newark DSO special gold paint 200ci V8, Mustang fastback, assembled on March 8, 1967 under special order 152727 (15 = Newark DSO, 2727 is the special order code). Hopefully there are more out there.
Below is a list of all years and shades of Gold Mustangs.
There were 41 offerings of Gold paint in 19 of the 60 production years of the Mustang.
Click on the text below any photo to see more cars of the year and color shown. Follow this link to see photos of all gold Mustangs on this site.


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There's a System for that…
(Image from the famous Candy Factory episode of I Love Lucy – Lucy's system didn't work so well in this case…)
The now ubiquitous tagline "There's an App for that" gained so much traction for Apple they filed to trademark it in Dec. of 2009. If you have an I-phone, Droid, or tablet PC you probably are amazed at the ever growing number of applications available. Some are for just for fun, but many were created to simplify your processes and your life.
So replace "App" with "System"? "There's a System for that". It certainly isn't nearly as catchy, but for a business owner it's even more important. Have you ever walked through your business and observed how many repeatable systems or processes are in place? In a really successful business you can bring someone new in, give them a little instruction, and turn them loose to follow the system you have in place and hardly miss a beat.
However for most of us…we think we have systems in place but somehow the same mistakes happen again and again – which is a clear sign that you've got an issue.
Call Before You Dig!
Everyone has probably seen a "Call before you Dig" commercial or ad. A large portion of my career was in the heavy equipment industry…and a lot of the equipment we distributed was "ground engaging", which simply means during operation it will be penetrating the earth's surface…digging. That means knowing the location of underground utilities is paramount. Without that – you aren't going to be getting any work done.
I assure you every contractor and every municipality I ever worked with has a system in place that triggers someone to contact the "Call before you Dig" locating service well in advance of an installation crew arriving. But the reality is there were dozens of times I arrived at a job site to find out "the locates" weren't completed or they weren't done in the correct area. There was a break down in the System and the result is unrecoverable expenses in lost productivity for everyone involved.
A Better way?
It's an ongoing battle, but as a business owner you have to continually look at your business and find opportunities to implement systems that will simplify your life or your employee's lives, and improve productivity.
If you don't know where to start, find a small specific area in your business and start there. Keep it simple, but take action. The system you design should be a written step-by-step process that you can hand to anyone of average intelligence and they can replicate it without you. Creating a system doesn't have to be complex, but it won't happen without focused action.
Do you have a system for selling your product or service? A structured way (a system) you prospect for clients? If a client has a complaint do you have a system to handle the complaint or do you just deal with them as they happen? Maybe it is a system to complete a task in your business management software (Quick Books. Peachtree, etc.) Proven repeatable systems are stress reducers and money makers.
You can do it. "There's a System for That!"
We would love to hear about how you have implemented a system into your business and how it impacted you, your employee and/or co-workers, and ultimately your bottom line. Please share your thoughts in the space below.
Chris Steinlage Kansas City Business Coach
1 thought on "There's a System for that…"
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Operation Pain-LESS
Dr Steve Gilbert - pain medicine and anaesthetic specialist - I want to help you make Pain-Less!
Opioids, such as oxycodone, Targin or morphine, have become much more widely prescribed for non-cancer pain over the last 30 years. The original research that led to this was, unfortunately, not very good. We hoped that giving people with persistent pain stronger pain relief would work, it would let them do more and that hardly anyone would get dependant or addicted. The reality, that has emerged, is that people are much less likely to get back to being able to do what they want in life. People can become dependant on their meds - rates of addiction are between 5 - 20% in research studies.
How do opioids work?
All the opioids work on receptors in the nervous system that are normally for your own natural feel good transmitters - the endorphins and enkephalins. So if we think back to how pain works in the nervous system the opioids are mainly damping down the alarm system and feedback.
Think about how useful your painkillers are to you. Can you do what you want or does pain still control what you can and can't do? Have you got side effects, like constipation, disturbed sleep, low motivation - life just drifting by???
What about the outcome of my operation and taking opioids?
There's good evidence that having been on opioids before your operation, makes it more likely that you'll have more pain afterwards and it makes it more likely that you'll develop persistent pain.
But wouldn't my pain be even worse if I cut down my painkillers?
No …. our experience with people cutting down their painkillers is that there's a blip - a short term increase in pain, while your nervous system starts making endorphins again - but this only lasts a week or two at most.
The trick is to take it slow with cutting down - only 5 -10% of your total dose at a time, every two to four weeks - there's more info on the why, what to do and how to do it on the Getting Started page.
While we believe that the advice on this website is accurate and based on expert medical opinion you should always consult your healthcare professional on any matter related to your health and well being. He or she knows your circumstances best and therefore the appropriate action to take on your behalf.


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On Thursday, June 9, 2011, in the Circuit Court of Taney County, Daniel M. Bean (d.o.b. 8/31/1983) of Kirbyville, entered guilty pleas to the felony charges of possession of methamphetamine and possession of drug paraphernalia. Circuit Court Judge Mark Orr sentenced Bean to ten (10) years in prison for possession of methamphetamine and seven (7) years in prison for possession of paraphernalia, pursuant to a plea agreement between Bean and Taney County Prosecuting Attorney Jeff Merrell. Bean had been charged by the Taney County Prosecuting Attorney's office as a prior and persistent felony offender.
The guilty pleas stemmed from an arrest of Bean, at his home, by Taney County Sheriff's Deputies on April 11, 2011. As part of an investigation into drug manufacturing, Taney County Sheriff's Officers served a search warrant at the home of Daniel Bean at 1291 Rustic Acres Road, in Kirbyville. Bean was found by officers at the residence, and an outstanding parole warrant was in place for Bean's arrest. Found in the residence were several items of drug paraphernalia, items used to manufacture methamphetamine, and a measurable amount of the finished product of methamphetamine. Bean was the lone occupant of the residence. After Bean was advised of his rights, he admitted to a detective that he had been manufacturing meth, using meth, and that all of the contraband in the house was, in fact, his.
Possession of a controlled substance is a class C felony, which carries a range of punishment of up to seven (7) years in prison and/or a fine not to exceed $5,000.00. Possession of drug paraphernalia with intent to use is a class D felony, which carries a range of punishment of up to four (4) years in prison and/or a fine not to exceed $5,000.00. Because Bean had been charged as a prior and persistent felony offender, his maximum sentence for the C felony increased to fifteen (15) years, and his maximum sentence for the D felony increased to seven (7) years.


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He Contains
"We should never think of God as being spatially near or remote, for He is not here or there but carries here and there in His heart. Space is not infinite, as some have thought; only God is infinite and in His infinitude He swallows up all space. 'Do not I fill heaven and earth? saith the Lord.' He fills heaven and earth as the ocean fills the bucket that is submerged in it, and as the ocean surrounds the bucket so does God in the universe He fills. 'The heaven of heavens cannot contain thee.' God is not contained: He contains."
A.W. Tozer, Born After Midnight
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September 2023


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In a 2013 article in the Washington Post, writer Valerie Strauss indicated that "rote repetition can result in some information being retained, although it is not a particularly effective method of encoding information into memory." In that one sentence she shines a spotlight on one of the biggest dilemmas in modern education.
Just why are students forced to learn by rote memorization more than they are by alternative methods? Problem Based Learning (PBL), for example?
Problem based learning at the elementary level, for example, has been proven to be effective in many ways – and as we pointed out in our article on PBL – including that it has the "potential to help students develop flexible understanding and lifelong learning skills." (Hmelo-Silver, 2004).
That statement alone seems reason enough to consider the use of problem based learning at the elementary level, but let's consider this:
#1 It makes education, learning and school more engaging for a student.
If you have ever heard a child say, "Why do I need to know this," or "When will I use this in real life?" you already understand the challenges of educating them. With problem based learning, though, that question may disappear forever because a learner never receives information in a way that makes them question its necessity or significance. Instead, everything they are learning has meaning and is active rather than passive. Their mind is fully engaged because anything they are doing, exploring or learning has real world relevance.
They may learn about basic architecture, for example, and then be asked to build a basic, four-wall structure with an educational toy like the Brackitz blocks and connectors. This shows them how to use what they just learned and recognize differences between 2D and 3D design, and so on.
#2 Problem based learning improves comprehension and retention.
Hands on learning or direct application of knowledge has been proven more effective in younger students. For example, Purdue University did a study in which students were taught in classic methods about human impact on water and water quality, studying printed materials and listening to classroom lectures. Another group in the same grade was introduced to this topic through PBL. They had to build a water purification system and understand what it took to address water pollution issues. Upon being tested, it was the hands-on group that demonstrated valid and deeper understanding of the topic.
Active learning offers students a chance to use what they learn in real time and this can improve their retention and understanding of the material – regardless of the subject and discipline.
#3 It nurtures deeper learning.
Though it may be frustrating to think that young learners must look ahead to their years of college and professional lives, it is a reality. The modern workplace requires workers who have more than basic knowledge or skills. With PBL, students discover how to use self-motivation, take the initiative, find multiple answers to problems, communicate clearly, work in teams, manage resources and materials, and go far beyond basic math and English at the earliest stages of their academic lives. They think critically, direct their own learning and experience growth. (Hewlett.org)
#4 It is a reward for self-motivation
The classic model for problem based learning focuses on a local problem. It cannot have anything abstract about its location or relevance to a student or learner. This is because the finding of answers to the problem must provide the student with real world evidence that they have made a difference. The students who found answers for a teacher whose garden was failing got to see the evidence of their efforts.
The learner who looks at the way a piece of gear works and then goes home and uses some of their educational toys and Brackitz building blocks to emulate it, may take away more. They may construct a model that does it better, offering them evidence that their application of knowledge and pursuit of a solution makes a difference. (Hosler, Education World)
The use of PBL means that the learner is reliant on their own self-motivation; as the teacher or parent does not offer answers and information. They guide and support without handing over any solutions, and in the end a student can feel a sense of achievement that may not be so tangible with standard rote learning.
#5 It can develop interpersonal skills
The learner involved in any PBL experience is going to have to collaborate, cooperate, communicate and share. These are key experiences for anyone at any age, but at the elementary level it can be particularly beneficial. As one educator discovered when using toys as part of problem based learning in an elementary setting, "students…became more aware of how different people use language for different purposes." (Church, et al. 2007)
Breaking the mold of classic educational models, problem based learning is becoming more widely accepted. It allows children to be at the center of the process, and in this way it gives them far more from every learning experience.
Hmelo-Silver, Cindy E. Problem-Based Learning: What and How Do Students Learn?. Educational Psychology Review. September 2004.
Want to learn more about Problem Based Learning? Look here:
Problem Based Learning at the Elementary Level
Key Problem Based Learning Strategies for Young Learners
What Does Problem Based Learning Look Like
Real World Problems Have More Than One Answer: How Problem Based Learning (PBL) Prepares Kids for Their Future
How to Provide Structure for Discovery for Problem Based Learning


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Friday, October 12, 2007
My buddy Frank got a tattoo of one of my Berube-Bugs, "Horny Bunny". My friend Chris Habana was overjoyed to see the tat as you can tell by the pic. Chris is an amazing clothing designer, jewelry designer, and artist here in NYC. You can check out his work at http://www.chrishabana.com/ it's available all over the city.
Posted by David Berube BerubeArt at 1:57 PM
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Grease Is Still the Word: HBO Max Orders Rydell High Spinoff Series Set in the '50s
It seems like we truly can never have too much of a good thing: several months after the Grease prequel film Summer Loving was announced, HBO Max has handed out a straight-to-series order for a spinoff musical of the classic film titled Grease: Rydell High. That's right, folks — we're heading back to the hallowed halls of Rydell High, the high school at the center of all the action.
While Summer Loving will recount the terribly romantic Summer affair between John Travolta and Olivia Newton-John's characters, Danny Zuko and Sandy Olsson, Rydell High will introduce viewers to a whole host of new faces. According to The Hollywood Reporter, the series will reimagine the original movie while still being set in the '50s and feature big musical numbers from the era. It'll explore the usual topics of high-school dramas, including the horrors of puberty and peer pressures of high school.
"This is high school and life in small-town USA told on the scale of a big rock 'n' roll musical," Sarah Aubrey, HBO Max's head of original content, said in a statement. "It's Grease 2.0 but with the same spirit, energy and excitement you immediately think of when you hear any of these iconic songs."
Paramount Television (which is also behind Fox's Emmy-winning TV musical Grease: Live) will produce the series, but there's no word on a premiere date or episode count. We'll be keeping an eye out for further details as time goes on, but HBO Max is set to launch around the end of the year, so hopefully we'll know more soon!


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Item #: PGS429687
First Communion Personalized Cross - is currently on backorder. You may still purchase now though and we'll ship as soon as more become available.
A glorious, personalized cross is created just for your child to proudly display in his or her room.
Cross reads:
God bless you on your
First Communion Day
May the light of the Lord
live in your heart today and all
the days of your life.
- Measures 6.875 tall x 5.125 wide
- Printed on wood composite
- Wooden stand included
Shipping or Processing upgrades
Gift Message Information & Add On
Clicking a link above will open a new window


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LDS Church Official's Speech Causes Uproar
A speechgiven to BYU Idaho students about morality and modesty by Tad R. Callister, a member of the Quorum of the Seventy, was given with the intent to inspire people to follow the church's policies. However, after the speech was printed in the March edition of the LDS magazine Ensign, Callister's words have sparked a backlash.
During the speech Callister said the way women dress has an influence men's sexual thoughts.
"The dress of women has a powerful impact on the minds and passions of men, if it's too low, too high, too tight it might prompt improper thoughts in the mind of a young man striving to be pure," Callister said.
Natasha Helfer Parker, a licensed clinical marriage, family and sex therapist, said she thought the church was past these kinds of messages, which she calls hurtful. She said hearing the comments took her back to the 1980's and that some of the rhetoric around modesty in the LDS church fits into "rape culture".
"I was so shocked to see this article in the Ensign," Parker said.
She said Callister was right in saying that people do respond to the way others are dressed; however, to put that argument in the rhetoric of modesty is problematic.
"Instead of putting modest attire in the sense of dressing modestly for yourself, respecting yourself, being genuine in who you are, all of a sudden [modesty] becomes a message of 'dress for other people'."
Parker believes people can be immodest in other ways than showing their body. She said attracting attention to oneself by wearing expensive clothing or not being genuine are forms of immodesty.
While rape is not condoned, people often use language that transfers the blame to the victim Parker said.
"In other words, 'It's awful that happened, but if she hadn't been wearing that skirt or if she hadn't been at that party...she wouldn't have been raped,'" she said. "I would hope that we could use the law of chastity in the Mormon culture as a blessing to people instead as whipping post or use fear-based approaches that induce shame rather than promote a healthy relationship with the divine."


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Beanies and caps! Now with multiple and colored propellers!
Happy Computer! Tees and caps!
NEW! Cafe Press tees in Black!
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CrawGator says Save Net Neutrality, ... Haiduc says 'Alo, all! ^^, ... schnurren can't swallow competitive eating, ... ewomack had thought there was a Mass exodus? and Steen finds bulletproof underwear!
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SuperFan Subscriptions! Get access to the SuperFan Clubhouse, custom avatars in the Forums, a 10% discount on webstore orders, and as a SuperTreat, Solid Nitrozanium SuperFans can appear in the comic!
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Clean Up Vietnam
Event: 2nd Danang Clean Up - Saturday, September 17 at 3 PM - 6 PM - Man Thai beach area
+84 121 3639440
Clean Up Vietnam is an organization whose mission is to engage and inspire youth, families, businesses and communities to take action in changing the way we dispose of our waste and the way we look at our local community spaces.
The Clean Up Vietnam Day concept is based on a similar event that takes place in Australia which has proven a great success with over half a million participants annually.
On April the 17th 2016, Vietnam had its first nationwide Clean Up Day. From Ho Chi Minh City to Hanoi, Phu Quoc to Ha Long Bay and places in between people have been encouraged to join together to clean up their local communities and make Vietnam a better place to live.
Event: 2nd Danang Clean Up - Saturday, September 17 at 3 PM - 6 PM - Man Thai beach area
We speak: Vietnamese, English
This page is also available in French and Vietnamese
Get involved in Clean Up Vietnam http://cleanupvietnam.org/
How to participate https://www.facebook.com/events/1752143868391346/
Megavina wanted to know more about the concept "Clean Up Vietnam" so we asked its director Scott Alderson to answer a few questions.
1 - How do we become Clean up helper?
Anyone can become a helper to Clean Up Vietnam by organizing a clean up event. We will supply gloves and bags and help promote. You can create an event anytime on our website or contact us via email or on facebook.
How do you organize a Clean Up event?
To organize an event it is easy. Find a place to clean up. It could be a street, a park, a beach. Big or small, it doesn't matter. It isn't hard to find rubbish in Vietnam. It was amazing on our first Clean Up Vietnam Day people in places like D1 and Phu My Hung were thinking it would be hard to find much rubbish but in one hour most people had more than a bag full.
The most important thing is to make sure you have permission with the local government and that the rubbish will be removed if it is a big event on public land. If it is on private property then you need to contact the owners. But for people just going around the street it is ok but be a safe and responsible with traffic and supervise children.
You can also join other events via our website or get in contact with us and we can get you in touch with others around the country that are already doing events. In Vung Tau for example we had 300 people cleaning up on our Clean Up Day. But in the end, we want to be more proactive and educate people so they won't litter. There will always be litter but let's reduce it as much as possible!
If Vietnam is very dirty, the reason is probably because people don't care. Are you able to organize meeting or do you plan to inform people directly at school? flyers? on tv?
I think littering is a bad habit and there has always been an attitude that someone else will clean it up for you. I think it's changing and it's coming through young people. We are already working at schools and have a lot of them doing events over the year but we want to raise more funds and employ more educators to get out there and into the school.
We are community partners with Saigon Heat and Vietnam University Games so we have stalls and a presence at their events and hand out information. We are putting together some Videos and in the future, we want to have some tips on reducing waste and litter at work, school and at your home.
Who is behind that organization? You seem to be foreigner, where do you come from?
I'm from Australia. I was involved in Clean Up Australia which this is based on and thought it could be done here. And it is needed!! The first Clean Up Vietnam Day event and everything else we have worked on has been self funded, but now we are starting to get sponsors as once people see what we have done and what we are doing they understand the need.
Why do you want to help Vietnam?
I have my first child on the way, I am married to a Vietnamese woman and I love it here. Whereever you live you should make it a better place for now and for the future.
What are your plans for the future?
There are so many. Helping schools and other groups with ongoing events all over Vietnam. We are also looking at Clean Up the World on the 16th to 18th of September as major events. Our flagship is the next Clean Up Vietnam Day will be March 5th 2017. We are going to have it over the week with events including Clean Up Schools Day and Clean UP Business Day in the week leading up. Our first one this year attracted over 3000 people in over 30 locations and next year we are targeting 10 000 people.
Thanks so much Scott for your time and for your work making Vietnam a cleaner, safer and greener place.
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But in the end I decided to get the Combo Reuben: corned beef and pastrami.
"Well," I said, "I know you're going to let me try yours."
It was delicious, a nice refreshing treat on a muggy day. But I'm glad I didn't get my own: two sips was enough for me.
The waitress had asked if we wanted any sides, and almost as an afterthought we decided to split some fries. The menu says they're steak fries and I wasn't really optimistic: most of the time - I would say 90% - restaurants don't cook steak fries long enough and they come out as mealy, unpleasant pieces of potato. But Junior's cooked their steak fries properly, and properly-cooked steak fries are awesome, crispy on the outside and soft and fluffy inside.
New York Deli - but it was still plenty of food.
And besides, quality is better than quantity, and this was awesome. Just a great sandwich. The pastrami had just the right amount of melt-in-your-mouth fat; the brisket was lean and tender, and there was the perfect amount of sauerkraut. Not too much to drown out the meats but enough to serve as a nice, sour complement.
There were three sections of the sandwich, so I tried them three different ways. My favorite was with the Thousand Island dressing: slightly sweet with plenty of pickles.
When you hear that a restaurant has been in business for more than 60 years, you assume they are doing something right. The only complaint I could come up with is that Junior's prices are on the high side for a place that bills itself as a diner. But then again, most places around here are more expensive than you expect them to be. The service was very good and the food was great. I decided I would not hesitate to return.
A few days later, Elizabeth's parents were in town and they suggested dinner at Junior's. We said we'd love to go. They sat us only a couple of tables away from where we'd sat the last time. Despite the fact that this dinner was close to 8 PM and it was not blazing hot outside, the air conditioner was blasting just as strongly.
(Kathy ordered a special of the month: fried shrimp, buffalo wings and riblets in a Thai-ginger glaze. I took a few pictures of her plate but the light was dying by this point and none of them turned out good enough to use.)
Because (for some reason) Elizabeth had also gotten fries with her turkey sandwich and couldn't eat more than a few of them, I was able to finish her potatoes and satisfy my hunger with just one of my sandwiches, so I could take the other one with me.
"Take the extra Junior's bags," Rick said. "They're a status symbol."
I laughed.
If that was a joke, it was funny. And if that wasn't a joke, well, that's even funnier.
I will definitely be back to Junior's.


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I'm excited to release my latest novel, A Sea for Summer. This contemporary romance takes place on Vancouver Island at Summer Landing (a fictional retreat center). When I first imagined the premise, I wanted to write a novel that focused on friendship and a later in life relationship. In Peter and Claire's love story, I wanted to recognize the work it takes to reach twenty-some years of marriage. I hope I've accomplished this.
My first review says that my novel may encourage readers to do more work in their own relationships, and I hope that's true. Love isn't possible without building bridges and meeting in the middle. I want to be a more inspirational author and bring joy to other people's lives. There's more stories to come in my new series, Places in the Heart. Fingers crossed—I can complete the next novel prior to Thanksgiving.
"…the author sets the perfect beachside scene for redemption, recognizable conflict, and thought-provoking conversations that may encourage readers to do more work on their own close relationships."Self-Publishing Review
A Sea for Summer is book one in the series: Places in the Heart. Book two is tentatively titled A Farm for Fall. This second chance story will focus on Anne.
Read the blurb or purchase the novel here:
Read an Excerpt Here:
I also want to take this moment to thank you for your support. I know you have many incredible book reading options. If you choose to read A Sea for Summer, I thank you!


text: News Share ToolsSave LinkedIn Twitter Facebook Email Save BookingBuilder Lines Up With Amadeus, Worldspan Jay CampbellJuly Jul 13, 2007 BookingBuilder Technologies has established "tighter" relationships with Amadeus and Worldspan and created a new transaction fee model, after a dispute with Sabre Travel Network caused BookingBuilder to limit the functionality of the Sabre version of its Desktop product. BookingBuilder also revealed plans to increase its traditional prices. The article you have accessed is premium content and available only to our paid subscribers. Try The Beat Free for 14 days Sign In


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Aperion Care Evanston
1300 Oak Avenue
Evanston, IL 60201
Skilled nursing, short-term rehabilitation, physical therapy and memory care in Evanston
Located just blocks from Lake Michigan, on Chicago's prestigious North Shore, Aperion Care Evanston provides you with personalized post-hospital care and rehabilitation with 24-hour skilled nursing care, as well as therapy available 7 days per week.
Our multi-disciplinary team of Aperion Caregivers works together to develop an individualized plan of care that ensures you have a comfortable and healing experience while you recover and prepare to return home.
Along side expert health care, Aperion Care Evanston offers a cozy environment with elegant fireplaces. Additional amenities include full calendar of activities, full service salon, cable TV, WiFi, and daily housekeeping and linen services.
Memory care programming is also offered,
Some of our services include:
Physical Therapy
Occupational Therapy
Speech Therapy
Orthopedic/Joint Replacement Therapy
Cardiac Rehab
Post-Stroke Rehab
Pain Management
Dementia/Alzheimer's Care
Hospice/Palliative Care
Wound Care
IV/Infusion Therapy
Feeding Tubes
Respiratory Therapy
Respiratory Therapy – Tracheostomy Care
Medication Management
Diabetes Management
CHF Management
Community Reintegration
Behavior/Symptom Management


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Campus WebsitesBoston, MA Valencia, Spain Berklee Online
Campus ToolsValencia Campus Intranet MyBerklee Inside Berklee Courses (OL) Library Berklee Career Manager Linkedin
Learning Email Calendar Drive Berklee Hub Workday
Virginia Kilbertus M.M. '16 has known since childhood that she wanted to score films, but an early aptitude for piano steered her toward classical music. It wasn't until graduate school that she turned her focus to scoring. Now her hard work is paying off with the premiere of her first-ever feature film score, for Astronaut, starring Richard Dreyfuss and Colm Feore. The family drama, about a grandfather whose dreams of space travel may come true, had its world premiere in Scotland in late June and opens for wider release this month.
With a father who's an actor and a mother who's a writer, Kilbertus grew up surrounded by artists and dreamed of coming to Berklee. She applied to the undergraduate film scoring program and was admitted but couldn't afford to attend. Instead, she committed to her classical training first, studying piano performance at McGill University in Montreal, Canada. When she saw the chance to attend Berklee for graduate school, however, she jumped at it, despite feeling a little out of her depth.
"I had no concept really of what film scoring entailed [when I applied to Berklee] because I hadn't been exposed to it. I knew that I wanted to do it, but I had never opened any of the software," she says, adding that Lucio Godoy, the program director, told her that he didn't know what to do with her application since she came from a classical-music background. "So, he gave me a script and was like, 'You need to score this in 48 hours and send us a mockup.' I had never done a mockup in my life; I didn't know what it was." She took those two days and figured it out so that she could complete her application, and then caught herself up to her peers once on campus. Now she calls attending the program "definitely the best year," saying, "It was everything that I had hoped that it would be." Its challenges and rigors, she says, positioned her for success.
After graduating from Berklee, she moved back to Toronto, where she's currently based, and picked up scoring assistant work for a year, building her résumé with film shorts and podcasts. Then she applied to a yearlong music residency at the Canadian Film Center. Getting that residency led directly to Astronaut. "When I was there, they had a visiting composer come in and teach a few classes and lead a few workshops," Kilbertus says. His name was Mark Corbin, and he had been asked to score Astronaut but was too busy to take it on. "He got to know my music through the film center, and we got to know each other a bit, and he recommended me to the director (Shelagh McLeod), and I sent her some demos."
Kilbertus got the job and was thrilled to find that not only did she have a wonderful team and a solid working relationship with McLeod, but she also had a good budget to work with. "Often when you get your first feature, it's very low-budget," she says. She was able to do an orchestral recording in Budapest, Hungary, in addition to some recording in Toronto. "So [the music is] all live, which was very special."
Hearing her score brought to life by the musicians, including several she found through Berklee, was the highlight of the process for Kilbertus. She plans to continue collaborating with her former classmates and other Berklee connections in the future: "We still have our Facebook group that we had when we were there, and I'm very close with a handful of people." Some of those friends will work with Kilbertus on one of her next projects, a Hulu show for tweens called Endlings that will be broadcast in Canada. Because it's a sci-fi series, she's looking forward to working with all of the strange new soundscapes she'll be able to create.
As for potential future Berklee students, she has some advice: "Everyone knows it's a demanding program, so just stick with it and it will pay off. Because when you graduate, you'll have a huge leg up, wherever you are. Berklee prepares you well. There are always going to be people who are better than you, but focus on your strengths and don't be afraid to ask for help. It's amazing prep for real life."
Since joining Hans Zimmer's Bleeding Fingers Music in 2017, Anže Rozman M.M. '14 has become accustomed to high-profile work—but the…Full Story
When Hillel Teplitzki M.M. '19 moved to Los Angeles, he thought he was in the wrong place. "So many people…Full Story


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"Middle Ground"After the Spanish conquest of the Aztec capital, the Franciscans founded a new mission town on the boundary between two lakeside communities—the Otomí of Teocalhuacan and the Nahua speakers of Tenayuca—long divided by political, cultural and linguistic differences.
In an effort to reconcile the rivals, the Franciscans founded the monastery of San Lorenzo Tlalnepantla as a "middle ground" between the two groups. The enterprise succeeded in a manner unforeseen by the friars, for as the original Indian communities declined, colonial Tlalnepantla grew and flourished.
|© Niccolo Brooker
Known locally as the Cathedral, because of its imposing north tower, the former monastery church of Corpus Christi, reputedly designed by the prolific Spanish architect Francisco Becerra, was rebuilt in the 17th century following a disastrous fire which destroyed the beautiful wooden roof and damaged the main altarpiece.
On the left, carved under a relief image of St. Bartholomew with the date 1558, is a row of battlements above a frieze of disks—a glyph that signifies "Walled City," the Aztec place name for Tenayuca. On the right is a relief medallion of St. Lawrence, the patron of the monastery, beneath which is inscribed the name of Teocalhuacan (Place of the Large Temple) in Roman letters. A dedicatory inscription in Nahuatl mentioning the two towns appears on the pediment overhead with the date 1554. A sculpted disk, also inscribed, is flanked by hovering angels and represents the Host, which, with the monstrance above, tells us that the church is dedicated to Corpus Christi.
|west entry gable © Niccolo Brooker
The former atrium is now a landscaped garden. At its center stands the original red sandstone cross, its arms and shaft densely carved with the Instruments of the Passion, some of them now much eroded.
|cross detail © Felipe Falcón
A Crown of Thorns at the crossing is flanked by stylized, bleeding Wounds on both arms, their deep center holes designed to hold nails or plugs. Outstretched hands at the tips point inwards to the Wounds. One hand holds a bag—presumably of silver coins. Pincers, a hammer, a chalice and the martyr's palm proceed down the shaft to the elevated base.A third Wound now appears on the side of the lower shaft, which originally faced forward as with the other two, but was later turned.
On the reverse, a pair of profile heads with streaming hair stand out on the arms, one with a speech glyph issuing from the mouth.
Facing the garden, a handsome arcaded loggia of seven bays stretches across the entire front of the convento.
Behind its center arch, emphasized by broad supporting piers, lies the recessed sanctuary of the former portería chapel. Perhaps such a long arcade was necessary to accommodate the two rival Indian groups on either side of the sanctuary altar on ceremonial occasions.
The cloister recalls the one at nearby Azcapotzalco, an airy, stone-flagged patio enclosed by simple Tuscan arcades of broad arches. Along the walks are remnant friezes and partial portraits of Franciscan bishops and friars painted in dark gray and sepia tones.
An ancient baptismal font rests in the secluded sacristy. Rimmed by the Franciscan knotted cord, it is also engraved with the worn glyph of Tenayuca and the date glyph of 1554, a further reminder of the complex history of Tlalnepantla.
The other principal treasure in the church is the gilded, three part main retablo, which replaced the burned altarpiece.
Dating from the later 1700s, and attributed to the eminent designer and retablista Isidoro Vicente de Balbás, it combines a variety of ornate late Baroque and rococo features. The iconic crucifix at center, El Señor de las Misericordias, is reputedly a processional cristo de caña from the 16th century.
text & b/w images © 1992 & 2015 Richard D. Perry
color images by Niccolò Brooker, Diana Roberts & Felipe Falcón.
See our other posts in the series: San Bernardo; Tepepan; San Felipe Neri El Nuevo;
See our other posts in the series: San Bernardo; Tepepan; San Felipe Neri El Nuevo;


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Services to the Industry sub-sector are provided by the Industry Associations Office. The Industry Association office exists between the Coffee Industry Corporation and four sector associations registered with IPA as the industry's socio-political organisations to guard the industry against any negative effects by the government or any other organisation.
The four sub-sector stakeholder associations are:
- PNG Smallholder Coffee Growers Association (PNG SHCGA)
- PNG Blockholder Coffee Growers Association (PNG BHCGA)
- PNG Coffee Plantation and Processors Associations (PNG CPPA) and
- PNG Coffee Exporters Council
Functions of Industry Associations Coordinator
The Industry Associations office is responsible for:
conducting meetings and elections every three years for office bearers
establishing dialogue with partners and banking institutions
ascertaining transparency in electoral procedures and public awareness.
advising associations appointed representative (directors to the CIC Board) on association issues
prepare reports and make submissions to the CIC on behalf of the industry
liaise with other sections within CIC and carry out promotions for membership growth
partnering with outside organisations and government institutions to enhance CIC policy objectives.
The respective sub-sector association operations can be defined as:
- PNG SHCGA – is made up of individual coffee growers who have a minimum of 700 coffee trees from a village-based association. These farmers then nominate their association executives including a chairman who becomes a constituency rep to the district.
- PNG BHCGA – this association is made up of blockholders who operate in the similar way as SHCGA but nominate one director to the CIC Board as to meet CIC constitution requirements.
- Similarly the CPPA and Exporters Council consists of plantations, processors and exporters who have their office executives nominated by election process and concurrently nominate directors in their separate meetings and elections to the CIC Board.


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Call it having Champagne taste on a beer budget, or just effective advertising, but growing up there were few things I wanted more than a David Yurman cable bracelet. Instantly recognizable and undoubtedly iconic — if you know the cable motif, you know it's David Yurman — there are few pieces that have the same timeless quality. Surprisingly, the original cable bracelet is not as financially unattainable as you might think (the most simple iteration is $395), but if you're looking for the next step up and have the budget to match, the brand has released a special Grecian-inspired collection.
Dubbed the "Helena," the new release revamps the signature David Yurman cable with the addition of pavé diamonds and gold-wire accents for a mixed-metal motif. Named after the mythical figure Helen of Troy, all seven items in the range incorporate the same ancient metal work employed by the Greeks and Romans also known as wire wrapping. The result is a unique rustic look that's surprisingly versatile and whimsically modern. See below for all of the styles from the new collection and treat yourself.


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Free Money? I'll Take It!
It's that time of year again, I'm afraid. It's time to talk about retirement planning. If you recall, last week I talked about not overdoing your contributions to the retirement plan, but to put something aside to pay off your mortgage and enjoy a thing or two in life as well. But, when there is free money on the table for your retirement, there is simply no excuse not to take it.
So, who gives you this "free money?" Well, that would be your employer, but you have to do your bit first. Here's how…
Many Canadian employers offer group retirement plans as part of their benefits package. Employees have an option to participate in them through automatic payroll contributions, with employers matching employee contributions anywhere from 25% to 150%. Both my husband and I are lucky to have employers that offer such benefits. In my case, the top up, or, as I like to call it, the free money, is 100%. In my husband's case, it is 125%.
Oddly, many Canadians are not taking advantage of these benefits. They are literally walking away from thousands of dollars they could be stashing away for their retirement, and, in the process, they are also crippling their overall returns. Excuses vary, from not having enough disposable income at certain stages in life to laboring under an impression that group pensions often offer mediocre returns.
Here is my personal take on this. My husband is the one with a good head for personal finance in our household, although, ironically, I am the one with credentials and experience in managing money. Still, he was the one who got us out of the "we're too young to think about life insurance and retirement planning" loop a few years ago, and he was the one who put us on track in resolving the basics of life, such as almost paying off our house and maximizing our RRSPs to the allowable limit. At times, I thought he was out of his mind, since such fast-tracked saving also restricted our spending, much to my detriment.
I have to admit that we clashed horns quite a few times. My argument was that now is the time to enjoy life, not when we are too old. His argument was that life needs to be enjoyed for many years to come, not just now. Thankfully, since I had a distinct feeling I couldn't win the argument, there were options to increase our RRSP contributions with help of our employers and we both made sure to take full advantage of these benefits.
Just to give you an idea of what you might be missing, in my husband's case, his employer matches his 10% payroll contribution at a 125% rate. He is invested in a basket of diversified mutual funds, with allocations of 5% in money market, 20% in Canadian bond funds, 25% in Canadian balanced equity mutual funds, 25% in Canadian growth equity funds, and final 25% in foreign equity mutual funds. So far, his group pension plan has generated a return of over 36%. Now, if this is a mediocre return, then I don't know what a good return is…
Look into what your employer offers in terms of group RRSPs. You don't want to be turning down free money for any reason.


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Known counterfeit eBay sellers
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SPLIT-ZERO: Split Zero delivers the ultimate in performance without compromise. Race day ready, aero, streamlined and conforming to the body; technology without compromise. This is our closest fitting jersey and they are heavily ventilated in the back and sides. The shorts offer a higher compression factor to help reduce fatigue.
BREAKAWAY: You expect more, you go farther, you go faster. Breakaway meets the increased demands on that long hot century, that Tuesday night crit, or maxing out on the climbs of a Gran Fondo. Breakaway delivers with increased technology, performance and fit integrated into each product. While this is considered a Pro Fit, meaning closer to the body it aims to mix performance and comfort by not being as tight/form fitting as the Split-Zero collection. The Breakaway collection also features a traditional style collar as opposed to the aero/minimal style found on the Split-Zero collection.
SQUAD-ONE: Performance delivered with a sport fit. Squad-One delivers high performance and features with a cost effective price. The Squad-One is our loosest fitting jersey and is designed for the rider who is looking for more of a relaxed fit as opposed to a highly form-fitting jersey. This is often referred to as the "Club Cut".
CUSTOM ORDER NOTE: Please be aware all cycling apparel orders are "pre-order" and made to order, with a delivery time of 4-6 weeks. You will be charged in full at the time of placing your order. Due to the fact these are custom orders, we are not able to accept any returns or exchange sizes.
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What's the "Pop" or "Crack" Sound?
The audible sound that happens during a chiropractic adjustment is one of the most misunderstood component of chiropractic. To explain what the "pop" or "crack" noise is, it must be understood that this audible is not the objective of chiropractic. So often I will hear a patient or someone I meet say, "Doc can you "crack" me?" I know their intention is sincere, but to doctors of chiropractors and patients who understand chiropractic, this is absurd. The real objective of a chiropractic adjustment is to restore nervous system function and proper structure of the spine. The causes of these misalignments or subluxations (shifting of the spine) are from accidents, slips & falls, poor posture, birth trauma, heredity factors i.e. scoliosis, etc. etc. Nerves stress and poor mechanics lead to devastating consequences to the function of our body over time. So what is the noise?
The sound during the adjustments happens in response to the sudden change in pressure in the spinal joint, along with nitrogen air molecules coalescing together. It's similar to opening a Champaign bottle - the sudden pressure change along with the air bubbles coming together makes the sound. When people share their experiences of chiropractic with others by saying their chiropractor "cracked" or "popped" their neck or back and now feel better. That's a misleading description of what's going on and I can see why some people have a skewed sense of what chiropractic is. A better description of what's occurring during the chiropractic adjustments is it's removing nerve stress and/or nerve pressure and normalizing the spinal structure leading to better function and a healthier person.
The sound during the chiropractic adjustment is NOT bone rubbing on bone. Bone rubbing on bone would be called arthritis. If it was deteriorated or degenerated to that level, it would be called severe arthritis and would be exceptionally painful. Again, the noise during a chiropractic adjustment is simply air pressure in the spinal joints. There are some techniques or ways to adjust the spine that don't elicit the sound so often associated with chiropractic.
About the author:
Dr. Gordon Fimreite, is clinical director at Chiropractic In Chicago Loop. He's been practicing chiropractic for over 15 years and has a passion for chiropractic and health. He is state and board certified in chiropractic and graduated from Palmer College of Chiropractic, the founding college of the chiropractic profession and the first such college in the world. Dr. Fimreite can be reached through his website at http://www.ChiropracticInChicagoLoop.com or his clinic at (312) 888-1707.
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Contact Us:
Chiropractic in Chicago Loop
Dr. Gordon Fimreite
77 W. Washington St., Ste. 601
Chicago, IL 60602
(312) 888-1707
Map & Directions:
Conveniently located in the
Chicago Temple Building
Hours By Appointment
Mon: 10:00AM-6:00PM
Tues: 10:00AM-6:00PM
Wed: 10:00AM-6:00PM
Thurs: 10:00AM-6:00PM
Fri: 10:00AM-1:00PM
Sat: CLOSED
Sun: CLOSED


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Step 1 Review the guidelines for using comparison and contrast.
Step 2Post a response to the discussion board.
Respond to the following questions and, if it's relevant, include your own personal experience:
- Think about classes that you have taken in which the subject matter required you to compare and contrast two or more things based on their similarities or differences. For example, you may have studied different theories or disorders in your psychology course, or you might have studied different works of art in art history.
- Discuss the purpose of a comparison and contrast essay in organizing information.


text: Swipe-a-day 05: Black Jack & Pinoko June 03, 2011 Tezuka is the master of clean clear simplicity. He's the one to study. I'm so unhappy with my attempt to swipe that I vow to practice more Tezuka until I get one I'm happy with. Share Get link Facebook Twitter Pinterest Email Other Apps Post a Comment Read more