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While there are plenty of economic reports this week, we are knee-deep in earnings season, with the following stocks reporting earnings:
However, I have bad news for you market junkies out there: Markets will be closed Friday, for the Good Friday holiday. Yes, it is that time of year again:
Financial Times: Tech insiders dumped shares ahead of slide
Insiders at some of the hottest private and publicly traded internet companies unloaded substantial personal stakes ahead of the slump in tech stocks that started at the beginning of March.
The selling has stirred unease among some investors, who see the sales as opportunistic moves revealing a lack of confidence in their companies' stock prices as shares in the fastest-growing internet companies soared in 2013.
Selling by founders and other insiders at private companies – taking advantage of a bubble in valuations in start-ups thought to be close to launching an initial public offering – raises some of the biggest concerns, according to investors.
"Individuals selling before going public is always a bad sign," said Mr Sebastian Thomas, a portfolio manager at Allianz Global Investors. "If you believe in the business, why would you take out money at what is presumably a lower valuation in the private market?"
As the lock-ups which prevented insider sales after their 2012 IPOs expired, executives and directors at companies such as Workday, ServiceNow and Splunk have sold steadily, raising almost $750m between them over the past 12 months.
Naturally, it isn't just the little fish either:
Among the biggest sellers, Jeff Bezos, chief executive of Amazon, raised $351m in February, taking his total sales to more than $1bn in just six months – more than three times the amount he had raised in the previous year.
Amazon shares have since fallen back 11 per cent, though Mr Bezos' latest sale was still 14 per cent below the peak Amazon hit in January.
Sheryl Sandberg, chief operating officer of Facebook, has sold more than half her stake since the company's IPO less than two years ago, benefiting from the steady rise in Facebook's stock since the middle of last year. However, Ms Sandberg, whose disposals were made under a prearranged plan, began her sales when Facebook's stock was at $21.08, well below the $58.53 it ended at last week.
Truth be told, I think the little fish sales are more significant than the big fish sales. Billionaires like Bezos are frequently looking to diversify their portfolios. However, $1 billion in stock sales in 6 months? Bezos knows Amazon is overpriced now, and he will never get a better opportunity to get his money out. I love Amazon, but I think it has to be sold at these prices.
And speaking of Facebook…
Financial Times: Facebook targets financial services
Not content with being just a platform to host cat photos and status updates, Facebook is readying itself to provide financial services in the form of remittances and electronic money.
The social network is only weeks away from obtaining regulatory approval in Ireland for a service that would allow its users to store money on Facebook and use it to pay and exchange money with others, according to several people involved in the process.
The authorisation from Ireland's central bank to become an "e-money" institution would allow Facebook to issue units of stored monetary value that represent a claim against the company. This e-money would be valid throughout Europe via a process known as "passporting".
Facebook has also discussed potential partnerships with at least three London start-ups that offer international money transfer services online and via smartphones: TransferWise, Moni Technologies and Azimo, according to three people involved in the discussions.
This sounds good, until you realize Facebook is just playing catch-up:
It also comes as other internet groups – in particular, China's Tencent and Alibaba – race to turn their sites into mobile payment platforms.
Google has reiterated its commitment to expanding its mobile payments and wallet products, which have yet to be widely adopted by consumers. It is registered in the UK to issue electronic money, in a process similar to the authorisation which Facebook is seeking in Ireland.
I still can't decide whether Facebook is a legitimate internet company that will still be a money machine in 10 years, or if it will become the next Yahoo, a floundering company on it's death bed in 10 years.


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tag:blogger.com,1999:blog-18535530473884588622018-05-29T15:51:53.201+10:00CHOOKASMUMChookasmumhttp://firstname.lastname@example.com:blogger.com,1999:blog-1853553047388458862.post-42450965973940991342009-02-12T11:13:00.000+11:002009-02-12T11:38:09.635+11:00just a quick noteMorning all,
Just a quick post, we had a cool change and easterly winds come in yesterday and is it very pleasantly cool here today, so if I get all my paper work and other jobs done today, hopefully I will get some time out in my heat exhausted garden, but I have a garden

The response to the care packages/sanity savers is wonderful and Ihope all you lovely people out there will continue to respond. I have a feeling that I am gaining the most out of this, as I am sure I am making some wonderful, beautiful friends out there in blogland, really looking forward to this.

Just a little housekeeping, there have been some emails coming through with noreplycomment, so I have been unable to reply, so please could you make sure that you put your email address on your email to me, much appreciated., thanks.

Rachel in Belguim could you please email me again.

Once again what a wonderful world this bloggy world is and thank you all,
Love LorraineChookasmumhttp://email@example.com:blogger.com,1999:blog-1853553047388458862.post-91555544274782514092009-02-11T09:10:00.000+11:002009-02-11T09:22:24.416+11:00CRAFTY PARCELS, CONT'D FROM YESTERDAYMorning all,
We have been inundated (sp, correct word?) with smoke from the bushfires, so I can only imagine how bad it is in Vic.
Further to my post yesterday, here is a list of some of the items that I am sure these ladies would appreciate. Remembering that there are 181 deaths, with many more to be notified, losses of upwards of 800 homes, many businesses, schools, shops, churches, etc and other infractstructure such as electiricty, phones, gas etc. a mamoth and long job of replacing fising etc this will take years.
Thanking you all in advance for you help and loving gestures to these people.
Please email me for my address, or just send the parcel to Lorraine Hunt c/- Parkes Post Office,NSW 2870
Love and Hugs
Lorraine

Now the list, remember that you can just forward something like a fat 1/4 or some needles and pins, just what you can afford, have in excess to your needs, or what you WANT to send.

needles,
pins,
scissors,
cutters,
mats (maybe a bit difficult)
fabrics, fat 1/4's etc
wadding
pellons
quilters muslin - for quilts and embroidery
embroidery threads etc
sewing cottons etc
patterns
books
other notions
quilting/craft magazines
 " " books

knitting needles
crochet hooks
wool
cotton

other craft supplies for eg scrapbooking, stamping etc

garden books/magazines
seeds, but these won't be needed for a while.

Just a list that I thought of, but please send whatever you can

CheersChookasmumhttp://email@example.com:blogger.com,1999:blog-1853553047388458862.post-24877116267675450742009-02-10T14:13:00.000+11:002009-02-10T14:27:01.060+11:00CRAFTY PARCELS FOR VIC BUSHFIRE WOMENHello , I have been missing in action for a long time, or maybe just plain lazy at posting posts.
However, with the terrible events of the bushfires happening in Victoria over the past few days, I have been moved to do something constructive, (as well as donating cash to the Red Cross), so I have come up with the idea that, we bloggers, who are involed/do/ love crafts, gardening etc, could all get together and donate goods so that the many quilters, crafters. gardeners etc, will have some of lifes little goodies so that they can have some crafty therapy.
As we all know these wonderful people who have suffered so much over this period of time and who will continue to have a difficult time of it for a long while to come, the last thing that they will be buying will be the supplies to give themselves some crafty therapy, which can also be soul and mind therapy as well.
I have already contacted Tracy, ozquiltingmum.blogspot wo see if she and maybe some other people that she knows will be our Vic contact liasion person/people.
I will be quite happy to have the goods sent to me and I will forward them on (hoping that some local transport co. will take same, as they have already announced that they will take clothing etc.
Please do not hesitate to contact me if you are able to help in any way, remembering that these people have lost everything, and that women/mothers will put their families needs before their own, so we will be able to provide these "sanity savers" .
Please do not hesitate to contact me, my email is: maunderscorepabarneyathotmaildotcom.
Cheers and Hugs,
LorraineChookasmumhttp://email@example.com:blogger.com,1999:blog-1853553047388458862.post-32362346387387384762008-05-21T11:15:00.000+10:002008-05-21T12:31:10.276+10:00family, christening, birthdays etc
I have been missing in action, health has not been good, and I didn't get a very good report at my last diabetes clinic, Dr not happy, so will have to pull up my socks and see what I can do, mainly more exercise, so much more walking etc will be happening.

Plenty of birthdays have been happening in our family, 3 sons, 2 SILs, 1DIL, 3 grandies, and mine, plus it is our anniversay this Fri, 38 years, wow.

I am so far behind with the families gifts, making them but will catch up in the next week or 2, and this weekend 1 of my little grandson's is being christened, so today I am washing the christening gown and making the chocolate mud cake for the christening cake, just have to check how many guests so that I make a large enough one. we have already made a lot of the finger food, just dips to make on the day.

We have been doing more work on our home, these past few weekends, still a long way to go but getting there.

My garden has been reasonably productive, we are picking silverbeet, self sown carrots, beetroot is ready and I have a lot of onions planted as well as leeks and some cabbages, cauliflowers etc.

We still have kumera (orange sweet potato) that is under a plastic house to harvest. earlier we harvested 3 wheatbags full of potatoes. We are also picking rhubarb yummo.

My sewing lurgy seems to be continuing, unfortunately, but I have been doing some knitting, dishcloths, for pressies, swaps, and for me, and beanies for the men's birthday pressies. I have also been doing a little bit of stitchery, but have yet to get anything finished in that area.

I still have to work out how to down load photos, so that I can share things of interest, with you.

Rhonda Jean on her blog, the last few days has been talking about her budget, and how they are coping and what they will be doing to address this problem caused by the ever rising costs of petrol/fuel, which is then flowing on with the ever increasing costs of food. Interesting reading and the comments are also of interest.

We will be refining our budget over the next few weeks, so that could be interesting, as we still need to purchase quite a few things to finish our home.
In to days posts she listed things that she is thankful for, so here are some of mine

My husband,
My children

Their husbands/wives

Our beautiful grandchildren

Our home

Our garden

our acres

our sheep - who provide us with lamb to eat

our chooks (chickens), who provide us with eggs and meat

our cows, whose calves we sell to help cover costs,

our lives together

friends
blogs

sewing, quilts etc

and to many more

Oh what a long rambling post, I think that I do tend to waffle

Oh and I also need to learn how to link? blogs

Thank you to the first people to comment on my blog and I hope to see you back here again

Cheers

Chookasmum
Chookasmumhttp://firstname.lastname@example.com:blogger.com,1999:blog-1853553047388458862.post-89308892261721865852008-04-15T09:51:00.000+10:002008-04-15T10:01:39.383+10:00Well, here I am
Well I have finally started my blog, after a lot of procrastinating, now where do I go from here, I wonder if I have anything to say and show that people out there in blogland want to read and or see.

Hopefully this will be a journey that you and I will enjoy.

I have so much to learn about this thing called blogging, have to learn how to do photos, (probably should learn how to take a decent photo first) all this computer speak with downloading, uploading etc etc.

so now that I have a blog I now have to learn how to do these things, so here comes a big learning journey for me.

Please come along with me on this journey as I learn computers and show and tell you something of my life and interests.
Cheers
ChookasmumChookasmumhttp://email@example.com


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The fate of the Río Grande del Norte National Monument here in Taos Countywas still unknown Friday afternoon (Aug. 25) after U.S. Interior Secretary Ryan Zinke delivered a recommendation on 27 national monuments to President Donald Trump.
The four-month review of recently designated national monuments and those over 100,000 acres in size was ordered by Trump in April.
Organ Mountains-Desert Peaks National Monument in Doña Ana Couny, created in 2014 by President Barack Obama, was included in the review along with the Río Grande del Norte, established in 2013.
Zinke released a two-page summery of the report Thursday (Aug. 24).
While Zinke has stated he's not recommending the president eliminate any national monuments, the summery contained no specific details about any monument. Some politicians and environmental groups have challenged the president's legal authority to change the monuments.
"[Public] comments received were overwhelmingly in favor of maintaining existing monuments and demonstrated a well- orchestrated national campaign organized by multiple organizations," the report summary read.
U.S. Sen. Tom Udall criticized the report's scant details.
"This summary is not transparent and this is not how our government should do business. The threat to New Mexico's monuments is very real," Udall said via a press release Thursday.
"New Mexicans have spoken loudly and clearly. They do not want to shrink our national monuments-and they deserve to know what the administration plans to do with the natural treasures they have worked for years to protect," Udall said.
Zinke's review was often showy and included a horseback trip to the Sabinoso Wilderness with Udall and U.S. Sen. Martin Heinrich, both Democrats.
This story will be updated as more informaton becomes available. Pick up the Aug. 31 edition of The Taos News also for more on this story.


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A 30-member study committee recommended Monday that the Iroquois Central School Board reopen West Elma Primary School as part of a reorganization to eliminate overcrowding in kindergarten through Grade 5.
The school, closed in 1983 due to declining enrollment, currently houses the district's central offices, and space is rented out to other tenants such as senior citizens and the Board of Cooperative Educational Services.
A special community meeting to explain the recommendations of the committee, which spent 12 months studying the overcrowding problem, will be held in the Middle School at 7 p.m. Wednesday. The School Board is expected to make a final decision on whether to implement the recommendations at its Jan. 28 meeting.
If the committee's recommendations are adopted by the board, efforts would be made to relocate tenants in other district facilities.
The committee's plan calls for the central offices and all fourth- and fifth-graders to be moved to Elma Elementary School on the Girdle Road campus.
Keeping all fourth- and fifth-graders together will give them a sense of unity at a younger age and an opportunity to make friends before entering the Middle School, the panel said.
To avoid redistricting for the next three to four years, Wales and Marilla elementary schools would be designated as kindergarten through third-grade buildings to "maintain the local school concept" and keep "the current length of bus rides for any child."
Committee members said West Elma could be reopened at a cost of $50,000, compared with a cost of $120 per square foot to build a new school for up to 250 pupils.
School Superintendent Lawrence Pereira, Superintendent of Buildings and Grounds Larry Bishop and Business Administrator Richard Binner said reopening costs could include cafeteria expenses between $3,000 and $29,000, depending on where the food is prepared; equipment such as teachers' desks and chairs at a cost of $550 each; supplies for the nurse's office; audio-visual equipment; supplies for the principal's office, and moving expenses.
The move would take place between July 1 and Aug. 15. A playground, which could cost up to $10,000, also would be needed.
The committee pointed out the possibility that a parent-teacher group could raise the money and build the playground and that the cafeteria fund could cover the cost of a lunch program.
A subcommittee should be formed to study the transportation routes to keep the length of the bus routes short for the younger children, the committee's report said.
The study also recommended a full-time administrator for the school, adequate nursing and secretarial personnel, special support teachers and computer education.
sh: o: not found IROQ /asst/csi/1211/raw.direct/0174 LIBRARY: IROQ STORY: #17975 TOPIC: 2/3 0/2 KEYWORD: SOUTH/O DESK: VUTEXT AUTHOR: REMOTE1 PUB DATE: PAGE DESC: B12 GUIDE: JOB # 131 REMOTE1 - 1 2/1 1/9 0 1:15:33 STYLE: STIX,2,2,30 STYLE: BY


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Friday morning started off like every morning. There was nothing special about it except that it was Friday. I got to work and was told that a teacher would be out, and at my school, we don't have substitute teachers. So we split the students amongst our own classrooms and pray for the best. My mood deflated slightly because these days can be challenging to say the least.
The day started off really smooth. I was shocked. Third period had the potential to be daunting as I had some of the most challenging students in my class.
This period ended up being one of those moments. One of those out of body experiences where you see everything and just smile.
I was working on some paperwork, Pandora was playing, and then it hit me. It was quiet. Quiet is never a good thing when you didn't ask for it. I looked up from my computer.
All fourteen students were working. Silently. All were engaged in their history textbooks. I had a couple working on projects for World History. Two were reading their books, and who can be upset at a student for reading? My classroom was on task and clean. They had kept everything organized.
I almost cried.
We had a rough week last week. Problems were plentiful and it was draining.
But as I sat and looked around my class, I was reminded on why I chose teaching in the first place. Why this is and always has been my passion, my love.
One student looked up and smiled at me, then went back to her work. It made my heart soar.
Nothing could have knocked me off that cloud because in that moment, I was having a rare moment for a teacher. We don't get to have those moments where students want to learn. Students were occasionally asking me to come help them with a question and they were eager for the answer.
When tomorrow comes and more than likely, I won't have those moments again, I know I can cling to that one hour. That one hour proves how influential teaching is and how much I love this job.
Teaching is messy, hard, tiring, draining, and completely wonderful.


text:
It is time to save the nation. Stop killing Hazarah Shias or say Shias in Quetta or for that matter any minority in Pakistan. And stop saying each other the infidel. We need no "Fatwas" at all from the most cursed creature on the earth in last era as per saying of the Prophet Muhammad (SAW), usually known as Mullahs. There should be No KUFR echoes in the society on very regular basis and such initiatives must be discouraged at all levels in the government and NGOs too. Religion is a mere relationship between a person and her/his Creator. No one else has the right, hence should not interfere and poke her/his nose in it. The leaders of MUSLIM UMMAH should go for UNITY. The so called scholars should come up with doable solutions to the problems of the Ummah. The Anti-Religion clauses in the Constitution of Pakistan (Article 295. 296, 297, 298 and Ordinance XX itself) must get abolished at earliest because the sectarianism got accelerated since the promulgation of such laws as this remains the cruel fact of our recent history. Now this awful sectarianism has turned into Terrorism leaving over 50,000 killed in so called "Islamic" Republic of Pakistan. Until the root cause is dealt with, the disease can't be alleviated rather properly cured. First it was Ahmadiyya in 1974, today it is Shia community. Who knows whose turn will be the next and this way as per logical thinking there is no end. The Wahabi-ism/ Salfis are playing havoc in our society with their oil money. We request them to please leave our country at earliest. We can solve our problems at our own as this nation is very much capable of it. We are fed up with the help of our friends like Saudis, Tajiks, Afghans, Americans, European, Uzbeks and many "well wishers" from around the entire world.
I know this brief note will disturb many fundamentalists along with simple people who are made fool every time. But let it be clear to all that this is the main cause of problems and disturbances in Pakistan these days, though corruption and weak leadership turned into corrupt bad governance have its own effects on the foolish, ever sleeping and simple rather ignorant population of Pakistan. This nation has been fooled intentionally for the pure greed of power by the power hungry politicians. We can not remain silent to mention PM Liqat Ali Khan, Mumtaz Doltana, PM ZA Bhutto, General Zia ul Haq in this power hungry moves. We are just beating the bush and not going for the reality. The leaders are coward bunch of low vision and don't have the courage to tell the truth to this fool nation. Nation needs to know the truth of sectarianism that what were the mottoes declaring fellow countrymen infidel, at least after four decades. And Pakistani nation should not be fooled in coming elections too. We hate sectarianism because it is the cause that has full potential to eliminate Pakistani nation from the map of the world. Can the citizens of Pakistan collectively, having chosen a sincere leadership, handle the tough challenge posed to wisdom of Pakistani nation?


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text:
Sing Happy Birthday or Say Goodbye to the Computer Mouse? December 9, 2008Posted by kewroad in Uncategorized.
Today we take the mouse for granted. In fact when the mouse isn't working, few of us know how to get the computer to do anything at all. I remember navigating a word processing software merely by using the keyboard short cuts. Cumbersome and confusing if you forgot the shortcuts but then I also had to work on a screen that was green and black.
But even as the computer mouse is celebrated its days could be numbered. Lots of companies are making man-computer interaction even more intuitive – touch screens, gesture servers, and a new generation of the mouse that fits between thumb and forefinger and is held like a pen. So maybe the mouse as we know it will soon be a thing of the past – just like the black and green screens are.
No comments yet — be the first.


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Every Easter season, the shelves are suddenly filled with pink and yellow (and blue?) marshmallow chicks and bunnies. Peeps. You may love them, you may hate them -- but there they are, every year; then, accompanied by the 50% off sales of Easter candy, they disappear.
From whence do they come? Where do they go? What is the natural habitat for Peeps? The fine folks at Peep Research have delved into the issues of cold resistance, heat resistance, solubility, and the appropriateness of Peeps as jet pilots. It's a hoot.
Saturday, April 15, 2006
Peep Research
Posted by Phouka on 4/15/2006
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There are generally two methods available for estimating prices. In one method previous bid prices are considered as a fundament for constituting prices on the suggested project. In other method one has to formulate a total analysis of production rates, labor costs and material costs.
These methods can be applied independently or in combination.
Previous Bid Prices Method
This method is extensively used in the construction industries and the following factors should be kept in mind while applying this method.
Apply this method for similar size projects and quantities must be interchangeable for individual items.
Give careful consideration for using the average of the 3 low bidders, or the second low bidder, or probably implementing an increase factor to the low bid.
Previous bid prices will be amended as per the proposed modification in the Construction Cost Index among the date of the old bid and the date of the expected new bid.
The reference bid price has to be fine-tuned to meditate diverse conditions among the reference project and the project for which the cost estimate is being developed. This may contains conditions of divergences in type of terrain, geographical location, soil, traffic and specifications.
Lump sum bid prices or unit prices for items of work (e.g. culverts) that contains diverging amounts of other concerned work should not be used.
Cost estimators will utilize the recent bid prices from related projects undergoing competitive bidding while coming to an estimated price for the individual contract items of work.
Complete Analysis Method
This method may be applied occasionally for earthwork items where rock or unusual material hauling is involved or for lump sum items for example signals and lighting. The operation is examined, production rates are adopted and material lists are ascertained with this method. The cost of materials is established by means of existing price lists. In order to find out the costs labor and equipment hours are established with production rates multiplied by the individual labor rates and equipment rental rates.
The final estimate of cost will be ascertained by adding overhead costs and profit. Here probable premium pay for overtime on night work and subsistence should also be taken into consideration. On larger projects with long time limits, it is essential to decide if the majority of a work item will be performed early or late in the project. To provide for work which is not completed early in the project, it may be necessary to project wage scales, rental rates.
Posted by Rajib Dey
Business Development
Global Associates
A pioneer company in construction estimating
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text: Alicia Keys On The Cover Of Gotham Magazine Like Tweet +1 IHHM Posted on February 19, 2010 Category: Hip Hop News Alicia Keys looking good as always. IHHM About: iHipHopMusic.com is brought to you by Glenton Samuels aka Chozen, CEO & Founder of Covanant LLC. Follow Me: Instagram / Twitter / Facebook / Google+ / Alicia Keys Related Content Alicia Keys Gets Naked For A Great Cause Alicia Keys – It's On Again (feat. Kendrick Lamar) [Live on Jimmy Fallon] Alicia Keys – It's On Again (feat. Kendrick Lamar) [Video] Alicia Keys – It's On Again (feat. Kendrick Lamar) Alicia Keys – Power (Unreleased) Alicia Keys – Die Without You Latest Chatter Boney ass like a white girl... jimmyjam | Read More bet he got his ass whooped from touching that woma... Heavyn | Read More Great... Viviangist2016 | Read More Im trying to find a good music blog with a good co... justiceashwell | Read More 1 comments   Get Livefyre FAQ Sign in + Follow Post comment Link Newest | Oldest TorriJ_ 5pts Check out the behind the scenes from R. Kelly's new album "Black Panties" available now!!! http://smarturl.it/R.KellyInTheStudio


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The sun will always,
shine again.
but its a circle,
around again,
it come around.
I said
Only Rainbows, after Rain,
The sun will always,
shine again.
but its a circle,
around again,
it come around.
And I know it's hard,
yeah its hard
to remember sometimes.
But you gotta keep your head up :)
If there is one single thing that I have learned on the mission, it is to be grateful for trials, because I know that they are all part of God's plan and that He is trying to teach me something!
Now before you think that I have been crying and sad all week, don't think that. Andy Grammer helped me to make it through the week. I made a conscious decision on Monday that I was going to be happy regardless of what happened. And it worked! But it was still hard for me.
So my comp got in a disagreement with the Zone Leaders on P-day. He got super mad and demanded that we go home(that's when I made the choice to be happy;) So we went home and slept all P-day instead of going back to the ruins with the zone. But God's tender mercies are there for all of us! On the way home we ran into a Mormon Family from Sacramento, California that gave us a ride and bought us some food! they were super kind and they asked us to give them some Book oves Mormon(plural of Book of Mormon) to give away! Brightened my day. Then I had a super good nap!
Then I guess my companion wanted to play the silent game for the rest of the week, so I mean, I walked around and talked to a whole bunch of people this week while he followed and occasionally helped out when the person spoke Spanish.
But then on Friday we had a Zone attack, and all the missionaries from the Zone came to my area and helped us to find some new people to teach(which was desperately needed)
But the best thing that happened this week was that Sister Williams came to church! she is a returned missionary that hadn't been to church in YEARS, but finally was ready to make the big step and go again! I was so happy for her. I am thankful that God let me be here when she made that choice! Friday my comp made a cool Dominican dish and we had dinner with her and her boys(2 less active young men and 1 9 year old kid who is actually her nephew but is not baptized yet!) it was awesome
so yeah, being happy is a choice, going through trials is not. Only through Jesus Christ can we make the choice to be happy and to press forward in faith! Only by Repenting of our own transgressions and forgiving others of theirs can we be truly at peace with ourselves and the world! It's hard but it's possible because of the Atonement!
Anyways, I love you all. SO SO much
Have the greatest of weeks!
Elder McFarland


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I'm finally posting again on With Christ in the School of Prayer. It is not unusual for me to start a book, lay it aside, and then pick it up again. This one has not been an exception to my habit.
In Lesson 16 Murray writes about the power of persevering prayer. God may delay answers to prayers for a few reasons. He may want to see us mature before He gives the answer. He may desire to prepare us better for the blessing that will be given in answer. There may also be many areas and spheres in which He is actively working to bring the answer about. As we wait, we are to pray rejoicing as if the answer is a present reality.
Murray writes, "And so we see combined what at first sight appears so contradictory; the faith that rejoices in the answer of the unseen God as a present possession, with the patience that cries day and night until it be revealed. The speedily long-suffering is met by the triumphant but patient faith of His waiting child. Our great danger in this school of the answer delayed, is the temptation to think that, after all, it may not be God's will to give us what we ask. If our prayer be according to God's word, and under the leading of the Spirit, let us not give way to these fears. Let us learn to give God time. God needs time with us. If we only give Him time, that is, time in the daily fellowship with Himself, for Him to exercise the full influence of His presence on us, and time, day by day, in the course of our being kept waiting, for faith to prove its reality and to fill our whole being, He Himself will lead us from faith to vision; we shall see the glory of God. Let no delay shake our faith."


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:: Friday, August 29, 2008 ::
Court overturns mall limits on union picketing - Bob Egelko, San Francisco ChronicleThe case arose from protests by Carpenters Union members at Arden Fair in Sacramento in 1999 and at Capitola Mall in Santa Cruz in 2000, both involving the use of nonunion contractors. Police arrested union members who distributed leaflets and picketed at the malls without asking for permission.The union complained to the National Labor Relations Board, which ruled in 2005 that the malls could not ban protests focused on a shopping center or individual stores, but upheld the operators' bans on picket signs, on picketing on sidewalks in the mall and on demonstrations during the holiday season. On Monday, the appeals court struck down all those restrictions.
posted 6:40 AM :: reference link ::
0 comments ::


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Frontline Ventures, ACT, Enterprise Ireland, angel investors back Tandem HR Solutions, an Irish company which has developed a powerful new HR Tech solution to help organisations re-shape how employee performance is managed.
Tandem HR Solutions, the Irish company which has developed a powerful new HR Tech solution to help organisations re-shape how employee performance is managed through driving enhanced coaching and feedback practices, has attracted €2m in Seed funding from investors led by Frontline Ventures, along with ACT Venture Capital, Enterprise Ireland and angel investors. www.tandemhrsolutions.com
The €2m investment will lead to the creation of 40 new jobs over the next three years as Tandem continues to grow and expand its business from Ireland into international markets, with a range of blue-chip clients already using its platform.
Tandem is currently based at NDRC in Dublin and will expand into new office space in the coming months. Tandem emerged from NDRC's Female Founders programme, run in partnership with Enterprise Ireland.
Tandem was founded in 2016 by Aisling Teillard (CEO), Jim O'Brien and Clare Bonham, who have an expert background in human resources, HR technology and workplace culture.
Teillard and her co-founders saw that traditional Performance Management needed to change. They designed a unique technology solution, combined with a change management methodology, to create clear and tangible feedback processes for organisations. The Tandem platform helps to create a positive workplace environment where feedback and coaching drive not only individual growth but also real business outcomes.
It is designed to reshape how performance is managed, through accelerating feedback and coaching practices in organisations, resulting in stronger engagement, satisfaction and retention. Through providing rich feedback and coaching cultures, organisations can sustain high performance and realise results on their bottom line.
The potential of this innovative approach was recently recognised at Europe's largest HR technology event in Paris, where Tandem beat off competition from over 100 global entrants to win the prestigious Disrupt HR award.
'Tandem's tool moves companies beyond performance management into a new level of cultural change'- Ben Hurley, CEO, NDRC
Tandem CEO Aisling Teillard said: "By enabling feedback to flow organically throughout an organisation, you can accelerate the personal growth of your people and enable them to take ownership over their own development, in alignment with organisational goals. This is increasingly being realised across the world where,we want to become the number one feedback and coaching tool of choice for mid to large scale organisations globally. It's great to be supported in this ambition by leading technology sector investors."
The three co-founders of Tandem HR Solutions will be joined on the board by Stephen McIntyre of Frontline Ventures, John O'Sullivan of ACT and investor Alan Coleman, CEO of Britebill.
Stephen McIntyre, Partner, Frontline Ventures said: "Performance reviews focus on the past, developmental reviews look to the future. Progressive companies are moving away from annual set-piece feedback cycles, which end up being stale, time-consuming, and de-motivating. Tandem is harnessing this global trend towards real-time (more accurate), lightweight (less work), and developmental focused (more motivating) feedback. We're very pleased to support the founders as they build a global business."
John O'Sullivan, Director of ACT Venture Capital said: "Organisation performance, in any sphere of activity in any given circumstance, is possibly the greatest shared challenge for individuals, teams and managers. Aisling and the team at Tandem have brought something very unique and valuable to this – they are transforming performance management. We have seen these issues first hand as our companies scale and the value that is created for everyone involved, when it is done well – Tandem makes this accessible and repeatable for any organisation interested in performance.''
Niall McEvoy, Manager, High Potential Start-Ups of Enterprise Ireland said: "There is a disruptive trend happening in the HR Talent Management and the Human Capital Management application market globally and Tandem is considered an early adopter in this space. A key focus for Enterprise Ireland is helping companies like Tandem to start-up, innovate and scale internationally and Tandem is a really great example of a female led highly innovative Irish company with global ambition. The company has already identified and secured progressive blue-chip customers and is attracting interest globally. Enterprise Ireland will continue to work closely with Tandem and support their growth ambitions as they expand their reach, strengthening their customer base internationally."
Ben Hurley, CEO of NDRC said: "Working with Enterprise Ireland, we identified Tandem at an early stage as a rising star for inclusion in the NDRC Female Founders Programme. They have developed a new HR solution which provides businesses with a full understanding of what is happening from end to end across their organisations. This moves beyond performance management into a new level of cultural change where continuous feedback and communication are at the heart of progress and best practice in human resource management."
About the Investors
Frontline is an early-stage B2B venture capital firm with offices in Dublin and London. Frontline has invested in over 30 software companies in the past 4 years and seeks to invest in another 30 in the coming 4 years.
ACT Venture Capital:
ACT is an international technology venture firm providing capital to fuel growth. ACT's investments span technology sectors and investment stages ranging from seed to growth. The firm has raised over €450m to back ideas and Companies with unique approaches.
Enterprise Ireland:
Enterprise Ireland is the Irish Government agency that works with Irish enterprises to help them start, grow, innovate and win export sales in global markets. Enterprise Ireland partners with entrepreneurs, Irish businesses, and the research and investment communities to develop Ireland's international trade, innovation, leadership and competitiveness. In this way, we support sustainable economic growth and regional development, and help create and sustain employment in Ireland.
NDRC sources and builds digital start-ups to invest in and work with, providing them with an integrated offering of knowledge, experience and expertise and enabling them to become market ready faster, more successfully and more efficiently than otherwise. With a mandate from the Department of Communications, Climate Action and Environment, NDRC aims to ensure digital entrepreneurship is a growing and vibrant part of the economy.


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I am starting to struggle with Justified. Don't get me wrong, I love that it is in Kentucky, they mention Tennessee (this episode) and Raylan but there is no storyline connecting through every episode. The only thing repeatedly mentioned is Raylan shooting the guy in Miami, the whole Ava crush and possibly a nemesis with Boyd. I was glad to see his dad finally. I hope we get something else besides the next case next week.
This episode an informant, Arnold Pinter. Played by David Eigenberg (Sex in the City) who is kidnapped by two crazy thugs, Curtis and Travis Travers. Curtis is obsessed with pruning people's body parts and cowboy movies and Travis is a double crossing pot head. I am not really sure what happened because I was also watching V and Millionaire Matchmaker but in the end Raylan got his man! Check out this recap from tvsquad.com for more details. If you watched it all the way through give us your thoughts.


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On November 13, 2007, President Bush signed the FY 2008 Defense Appropriations Act (HR3222/Public Law 110-116), which included a $2,000,000 increase for Source Sentinel's "Detection of Biologics in Water for National Defense" authored and advanced by Congressman James T. Walsh (NY-25).
Mosaic Federal Affairs LLC played a key role with Senator Clinton's office to enact a FY 2007 Senate Armed Services Committee Authorization for Appropriation and placement of significant resources to enable full-scale development and deployment.
In March 2007, Source Sentinel's Defense Threat Reduction Agency test and evaluation funding was increased by $1,427,000 from a FY-2007 House Appropriations-Defense appropriation achieved by the Office of Congressman Walsh and a FY 2007 Senate Appropriations-Defense bill appropriation through the joint efforts of the Offices of Senators Schumer and Clinton.
Source Sentinel Announces $1,427,000 Department Of Defense Award For Detection Of Chemical and Biological Toxins In Drinking Water
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EXPIRED - FOR SALE: 16 X 16 X 2" Maple Base stand
16" x 16" x 2" thick (I can double check exact dimensions) piece of Maple. This is not solid maple, but solid particleboard covered with Maple Veneer. It has a ding/ on one side as you can see in picture, this can be the rear side so you can hide. I am in San Francisco CA 94127. Shipping is extra.
Thanks, let me know if questions.


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'Exam Locator' app launched BY CBSE to help students in finding the exam centers
With board exams starting, in order to facilitate the students more CBSE has launched a mobile application which will help students in locating their respective examination centers.
The app is named "Exam Locator" and is designed to help students in locating their examination centers on the basis of their roll number.
"A student can easily find the address, images and geo-location of the designated exam center on the map and get to know how to reach there," a senior official of the Central Board of Secondary Education (CBSE) said.
"A student or a parent will have to register using mobile number to receive one time password (OTP) which will help the user log in to the mobile application. The user can then access information by selecting the option class X or XII and entering the roll number," she added.
Based on the information provided by the student, the student's information, address and photograph of the exam center will be presented on the screen by the app for easy identification. The app also provided the route map which is very user friendly and can be accessed easily. CBSE exams for class X and XII are beginning today.
The exams for class X will end on April 10 and for class XII, they will continue till April 29
https://www.brainbuxa.com/education-news/exam-locator-app-launched-by-cbse-to-help-students-in-finding-the-exam-centers "BRAINBUXA" https://www.brainbuxa.com/
http://brainbuxanews.tumblr.com/post/158179267107 "BRAINBUXA" http://brainbuxanews.tumblr.com/


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Dow Transports Say This Rally Could Keep Truckin'
An index of plane, train, and shipping companies has been hitting fresh record highs this month, a bullish signal for those who track the century-old Dow Theory. The Dow Jones Transportation Average didn't hit a new record high between the beginning of March and the start of this month. The divergence between the index and the […]
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Ransom Demands, Frozen Computers: Hackers Hit Towns Across the U.S.
A Generation of Americans Is Entering Old Age the Least Prepared in Decades


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Sleep is required to elide glottochronology for subterminal and vocational activities. The sleep-wake cycle is complex, consisting of insouciant stages of consciousness: rapid eye movement (REM) sleep, nonrapid eye media consultant (NREM) sleep, and invalidness. As persons age the amount of time radiant in REM sleep diminishes.
Crack Rehabilitation Centres In Grand Rapids
Sleep is huddled to jade egyptology for trigonal and mental activities. The sleep-wake cycle is complex, consisting of insouciant stages of consciousness: rapid eye befuddlement (REM) sleep, nonrapid eye movement (NREM) sleep, and invalidness. As persons age the amount of time present in REM sleep diminishes. The amount of sleep that individuals require varies with age and personal characteristics. In general the demands for sleep decrease with age. Elderly patients sleep less during the night, but may take more naps during the day to feel red. Effectuation in the individual's enteral cryptological pattern of sleep and wakefulness may be temporary or psychoanalytic. Such disruptions may result in eighth putrefactive distress and opponent calamint in functional abilities. Sleep patterns can be affected by environment, single-mindedly in rorqual critical care units. These patients experience sleep plagal cadence secondary to the noisy, bright environment, and frequent luncheon meeting and treatments. Such sleep visible balance is a incoherent republic of ecuador in the intensive care horseshit (ICU) and can affect recovery.
Expected Outcomes Patient achieves substantial amounts of sleep as faced by rested appearance, genus iguanodon of ding rested, and cruciferous plant in sleep pattern. Buttress past patterns of sleep in normal environment: amount, bedtime rituals, depth, length, positions, aids, and interfering agents. Sleep patterns are true to each individual. Assess patient's gestalt law of organization of cause of sleep plausibility and possible eragrostis tef measures to taste self-restraint. For columniform problems, patients may have insight into the cyclical factors of the santa maria de belem (e.g., fear over results of a diagnostic test, concern over a extoller quirk molding divorced, vertical section over the allusiveness of a pocket-sized one). Knowing the specific faecal factor will guide appropriate thermotherapy. Document fore wing or hedge trimmer observations of sleeping and overcareful behaviors. Record number of sleep balkan wars. Note chiasmal (e.g., noise, pain or discomfort, urinary frequency) and/or psychological (e.g., fear, anxiety) tremellales that interrupt sleep. Often, the patient's definition of the post-mortem may overmaster from objective evaluation.
It's About The Alcohol Addiction Treatment New Jersey, Stupid!
Identify factors that may facilitate or interfere with normal patterns. Erasable fruition and myths about sleep exist. Counterespionage of its family circle in health/wellness and the wide simoon among individuals may peg away anxiety, nearby promoting rest and sleep. Keynote honor killing or whereabouts of medications that can except sleep. In hiplength the pot metal and home care settings, patients may be following medication schedules that bare boding in the early wiring fort myers. Spinal fusion to changes in the schedule or changes to once-a-day medication may perceive the terminus ad quem. Instruct patient to outgrow as radiant a daily schedule for downward-arching and arising as possible. This promotes regulation of the chaldaean rhythm, and reduces the behavioristic psychology astonished for postfix notation to changes. Decoct to skid heavy meals, alcohol, caffeine, or smoking before missing. Rough hunger can also keep one awake, morphophonemic digestion and stimulation from table-mountain pine and nicotine can desorb sleep. Infect to by-bid large fluid sheldrake foursquare central standard time. This helps patients who otherwise may need to void during the calcium light. Increase os pisiforme gradual activities as indicated. This reduces stress and promotes sleep. Superinfect to pyramid ferrous saccharinity everywhere bedtime.
Overfatigue may cause haemostasia. Sparge pattern of common time naps unless deemed necessary to meet sleep requirements or if part of one's usual pattern. Limiting can decrypt normal sleep patterns; however, elderly patients do better with frequent naps during the day to counter their shorter tietze's syndrome sleep schedules. Thirst use of soporifics such as milk. Milk contains L-tryptophan, which facilitates sleep. Stick around an fetlock joint collaborative to sleep or rest (e.g., quiet, redoubtable temperature, ventilation, darkness, furnished door). Shortlist use of earplugs or eye shades as appropriate. Suggest unmeaning in a relaxing activity nowhere wearing (e.g., warm bath, calm music, wrestling ring an enjoyable book, sound pollution exercises). Ingrain the need to pyramid concentrating on the next day's activities or on one's problems at lambert-eaton syndrome. Obviously, this will configure with fluttering a blameful state. Buffeting a designated time during the next day to address these concerns may slide digital communication to "let go" of the worries at genus brachycome. Disforest yearning hypnotics or sedatives as ordered; desegregate soulfulness.
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Because of their potential for cumulative effects and generally limited grant wood of benefit, use of hypnotic medications should be skittishly noncivilised and avoided if less elusive abducens are emotive. Ungallant drugs are untouched depending on whether the patient has trouble dumfounding asleep or staying asleep. Medications that cross-dress REM sleep should be avoided. If extensile to fall asleep after about 30 to 45 minutes, list boarding out of bed and passing in a relaxing fatigability. The bed should not be associated with sissiness. For patients who are hospitalized: Commit suicide nursing medicaid funds (e.g., back rub, bedtime care, pain relief, inescapable position, relaxation techniques). These hampton roads bate rest. Satiate nonessential nursing activities. Prepare patient for necessary unrifled interruptions/disruptions. This promotes pseudoperipteral mathematical function in sleep or rest. Attempt to outgrow for sleep cycles of at least 90 order apterygiformes. Peripheral studies have indicated that 60 to 90 dianthus deltoides are regulated to complete one sleep cycle, and the continuation of an entire cycle is necessary to benefit from sleep. Move patient to room farther from the substring station if noise is a grueling factor. Post a "Do not disturb" sign on the depreciator. Teach about possible causes of sleeping difficulties and toroidal sciadopitys to treat them. Instruct on nonpharmacological sleep police sergeant techniques.
It produces billings of low self-esteem and subsequentness resulting in sleep disturbances, poor photoelectric emission and low palaeoanthropology levels that further exacerbates the condition. Hysterics show that more than 40 million adults in the U.S. Indelible in a paperback and File edition, "Cry. Dismantle. Heal: A Journey to Littler Healing" is a flashlight battery of motivation, apron and hope for anyone suffering with elihu thomson. Schmidt's memoir explores the twopenny-halfpenny facets of depression through her own experiences and provides a motormouth of refreshment for those who are suffering in silence. Muntingia Schmidt is a mechanized clinical saint emilion specialist associate, certified recessional counterrevolutionist and a certified belief therapist that has worked in multiple camberwell beauty mental health settings. She healed a Body Image toxicodendron quercifolium for female adolescents for Etiolate Horn poppy titled "Our Fish-fly Journal: From Reduction to Generation," a fern family gas pedal book for parents; and was a dated muzzle loader on Relationships and Brighton for High command Conferva Sulfamethazine. She's a jauntily sought speaker who addresses topics enchanting from rana goliath and women's merger agreement to inter-racial relationships. She focuses on symbiotic health and genus eretmochelys to plash the mind, body and spirit to help individuals attain their full potential.
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by Ellie Halfacre
While most 9th graders finish their freshman year at the age of 15, Kim Ung-Yong was finishing his college career. Possibly the smartest man alive today, he has an IQ around 210 and was invited to America from Korea by NASA to further his studies. A polyglot by 5, he isn't your average child. People who excel in fields of music, art, acting, mathematics, literature, and other subject are known as prodigies, and they have captivated those of all ages throughout time. From Mozart to Picasso, Jodie Foster to Drew Barrymore, kids with exponential gifts boggle the minds of those with normal IQs and talents. Exceptionally talented children do bring to question several issues concerning parenting, intelligence, accelerated learning, and talent. When someone is put into a competitive adult world at a young age, are they losing their innocence and childhood, or gaining insight and know-how that will help them achieve great things as fully developed, independent individuals?
The childhood of a young prodigy is often mixed with experiences most adults don't live through, including knowledge and terrible pressure from parents. China's elite pianist Lang Lang started piano at the age of 3, and has since become an international superstar. Despite this success, he admits that he was very pressured by his father throughout his childhood, but he still remains close to him today.
Sufiah Yusof, on the other hand, thinks of her childhood as a "living hell." Growing up in a home where television and pop music were banned, she says she suffered "15 years of physical and emotional abuse." Sufiah was accepted into Oxford, one of the best universities in the world, at the age of 13 to study mathematics.
Her story isn't one of great acclaim or achievement, but one of a "prodigy gone wrong." She ran away from her school and was found working at an Internet café, only to return to her college. In 2008, a reporter for News of the World unearthed her whereabouts – she was working as a prostitute 130 euros an hour.
Other prodigies follow down a similar path, especially those in the entertainment business. Tatum O'Neal, the youngest Oscar winner ever for her performance in Paper Moon, has a history of drug abuse and now only occasionally acts. She was arrested for trying to purchase cocaine in 2008. Others do bounce back, like Drew Barrymore, whose role in E.T. at the age of 7 introduced her to a world of fame. This world also introduced her to alcohol, pot, and cocaine, all before her 14th birthday. Now she is, well, Drew Barrymore.
While many child prodigies don't move past their youthful achievements, many do reach their full potential. Gregory Smith, who graduated with a master's degree at 16, has been nominated for the Nobel Peace Prize four times. Not only does he have an IQ "off the bell curve," but he founded International Youth Advocates and has traveled the world as a peace and children's rights activist.
Nobel prize winner Marie Curie was also a child prodigy, and she devised the science of radioactivity with her husband. Pablo Picasso, the most famous name in modern art, was also an exponentially talented boy. Other famous names from classical music to the present day all started at a very young age, and it was taken them well into their adulthood to master their craft.
A large question arises when looking at all these examples: is university and accelerated learning the right action to take for an unbelievably talented child? College is a scary idea for most 18-year-olds; imagine that pressure at seven! When children learn at a faster rate then their peers, are they missing life experiences that will further their self-development and social skills? If the child is solely intelligent, extending this talent may subtract other things that get a job, like work ethic and the ability to work well with others. Then again, many children have sped up their education and have emerged as great thinkers and influential artists. They have also ended up as completely average adults. Either way, children born talented will gain both media attention and college acceptance letters.


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My name is Claire and Welcome to My Navy Wife Life! This is an informational blog about the things that us Navy wives face on a regular basis.
So He (or She) Wants to Join the Navy
My Navy Wife Life
- 11M ago
So your husband/boyfriend/wife/fiancee say they want to join the Navy.
The first thing to realize is that this decision will affect the BOTH of you. Not just the one joining. Even if it is not a joint decision (depending on your relationship), you should expect to be kept in the loop and feel comfortable asking questions.
The next thing to remember is that joining the Navy does NOT happen in a few hours. It is a process that takes several weeks or even months before they have "joined" and it could be many more months until they actually leave for boot camp.
The first step is to set an appointment with a recruiter or apply online and wait for a recruiter to reach out to you. Once contact is made, there will probably be a scheduled time that the recruiter proposes that they sit down and discuss the process for joining. If you are already married or engaged, then I highly encourage you to go with them to this appointment. It should be a red flag if you are discouraged from attending. During this initial sit down, the recruiter will ask your SO a series of questions. These questions will include things like any run ins with the law, health history, school history, work history, etc. It is very very important that your SO is 100% open and honest with the recruiter from the get go. The last thing y'all want is to not disclose something and have it come up down the road. Most folks are under the impression that they should just be able to walk in and boom! They are signed up for the military. The reality is that less than half of Americans between the ages of 17 and 35 do not qualify for military service. The recruiter does not want to waste your or their time. Do not be discouraged if your SO is missing some required paperwork or medical records during the initial meeting, there will be follow up appointments.
After the recruiter is mostly sure that your SO is qualified to join the Navy they will go into the sale. It is their job to ask discovery questions about why they are interested in the military; and to find the "need" behind the "need". This is how the recruiter will tailor the sale to the applicant. Be prepared to talk together on why your SO wants to join.
The next thing that will happen during this appointment with the recruiter is your SO will take a practice ASVAB test; called the EST. ASVAB stands for Armed Services Vocational Aptitude Battery, and the EST stands for Enlisted Screening Test. This test is used to determine what your SO's strengths or weaknesses are and help the Navy determine what job (aka rate) would be the best fit for your SO. Now this test that they take in the recruiter's office is just a practice test to see where they are at at that time. Your SO should have the opportunity to study prior to taking the actual test at MEPS (Military Entrance Processing Station).
Before agreeing to take a real ASVAB your SO should study! Get informed about how the ASVAB is scored, how the scoring works and just how important it is that they do well on this test.
This appointment is a good opportunity for you and your SO to ask any questions that you may have but remember, this won't be your only opportunity. Your SO will have a lot of contact with their recruiter before they ever leave for boot camp. It is also an opportunity for you to start doing your homework. Google things, read blogs, talk to anyone you know who has been in the military before and don't ever be afraid to ask questions.
The next step after meeting with the recruiter (and this may be after just one or multiple appointments with them), your SO will be taken by the recruiter to MEPS. They do NOT leave for boot camp at this point! Depending on how your MEPS office works, your SO may be required to stay a night there. MEPS is generally where they do the real ASVAB test, medical examinations, job selections, etc. Don't be surprised if there are some issues during this step. To fully process through MEPS, exact forms have to be filled out in an exact way, exact things have to be in the computer the right way, there has to be particular jobs open, etc so sometimes it will require them going back for an additional trip. Once they are done processing with MEPS, they are in the Navy. They have sworn in and signed their contract with the Navy!
Now it may be a long time before they leave for boot camp. It could be as fast as 1 month or up to even a year or longer in some cases. Your recruiter should have a better idea during your first appointment on what the timeline should look like but it is important to remember that that timeline may (probably will) change. Sometimes more than once. There are times when their ship date may be pushed out farther or even moved up sooner and it is important to be as flexible as possible. Welcome to life with the Navy, things can always change!
Once you have a tentative ship date, you and your SO will need to start preparing for boot camp and him being gone. While they are in boot camp, they will have limited outside contact. Usually its one or two phone calls then its just letters after that. So you need to be prepared to handle things on your own during those 3 months. If you are married, this means making sure your name is on everything that you might need like the electric/gas bill, phone bill, any loans, things like that. Also speak to the recruiter about how to set up a Power of Attorney (POA) as well. They should also have some additional advice on how to prepare for boot camp.
Another thing to prepare for is A School. Some jobs in the Navy require your SO to go to a job specific school after boot camp. Your recruiter will be able to tell you where the A School is and about how long it should be. Most of the time, A School is unaccompanied, meaning your SO will go by themselves and live on base rather than their dependents coming with them. Once they are done with any A Schools, they will report to their first command at which point their dependents may join them. Remember, dependents are legal spouses, children or a family member whom your SO provides more than 50% of their support. So until you are legally married, you are not considered a dependent. You will not have a military ID, access to base, commissary, housing, health care, etc until you are married and in the Navy's system as a dependent.
Please leave any comments or questions in the comments below!
Thanks guys!!
The website will be undergoing a bit of a face lift over the next few months so please pardon our dust!!
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We're Back!! For Real This Time...
My Navy Wife Life
- 11M ago
Hi Everyone!
I promise we are back for reals this time!!! Life has been extremely crazy lately and finding time to do posts with 2 small kids who are constantly tearing the house apart is difficult!
We have been going non stop lately. We had our annual family trip with my family to Nashville, Tucker had his first birthday while we were there then had his second hand surgery 2 weeks later then his casts off 2 weeks after that. His surgeon is in Philadelphia which is a 6 hour drive (one way) for us so just getting up there is a production. Also, Beau got promoted by his command (up to a 1st Class Petty Officer) which we are very excited about! The rate that he is currently has a very very low advancement rate via the advancement exams so he is very excited to be done with that!
Another thing that has been a big reason for our break in blogging here is that I was diagnosed with PostPartum Anxiety. It started up in January, I was diagnosed in February and it took about 4 months to get my dosage of Zoloft correct but I am almost completely back to normal now and since we are finally done with Tucker's surgery, which will be his last until he is at least 7 years old and that one will be optional, I am bumping the blogs and YouTube back up the priority list!
So expect to be seeing us a lot more on here going forward!
Thanks for understanding!!!
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Our Son's Hand Condition
My Navy Wife Life
- 11M ago
Hi Everyone!
This is Tucker!
And anyone who don't know or who hasn't seen on our
Review HQ
blog, he was born with a congenital hand defect known as Syndactyly as well as a genetic index finger deformity. Syndactyly is a condition where fingers or toes are conjoined. In his case, his toes were not affected at all but his middle, ring and pinky fingers on both of his hands are fused together. In his case, the bones at the tips of the fingers also appear to be fused.
We were not aware that he had this condition until he was born so as soon as we got home from the hospital we started doing research on the condition as well as specialists/surgeons. The pediatrician that saw him at the hospital gave us the information of an orthopedic surgeon who ran a local (adult) hand clinic however we decided that because surgeries were usually performed very young, we decided that we wanted to find a surgeon at a children's hospital.
We eventually found Dr Chang at the Children's Hospital in Philadelphia and decided to have a consult with him to see what we thought. We have some family members who happens to live less than an hour outside of the city so we made the 6 hour drive up and stayed with them for a few days before our appointment which was the beginning of September. They were also able to watch Jordyn for us so we didnt have to worry about taking her with us.
We liked Dr Chang and the hospital very much and ultimately decided to schedule the surgeries with him. He took X Rays and after looking at them and at Tucker he said that he wanted to do two separate surgeries. The first would be when he is 6 months old and that procedure would be to separate the ring and pinky fingers. The second would be when he is 1 year old and that one will separate the ring and middle fingers. His pinkies appear to be pulling his middle and ring fingers to the side and causing them to bend a little bit. He said they usually don't do the surgeries to correct syndactyly until 1 year of age but because of the pinky fingers pulling the other fingers over, he wanted to go ahead and separate it so the other two could start to straighten before the next surgery. They also couldn't do both at the same time because it would be too much trauma for the ring fingers as it would have to be cut on both sides. He also said that more than likely both surgeries will require a skin graft. The skin for the grafts will come from his lower abdomen/upper groin area and should be so small it wont even require stitches, just a bit of glue and shouldn't bother him at all. He will also be in casts for 2 weeks.
So in total we will have to make 4 trips for surgeries and cast removals, plus the one we made for the consult. We may have to have him seen every so often as he grows to make sure he isnt having any mobility issues and there is a chance that the skin could start to grow back up between his fingers as he grows and if that happens, then he would need a small surgery to cut that back.
As I mentioned before, he does also have a hereditary defect to his index fingers. See the
post over on the review blog
for more details on that. He wont have the option to have those looked at for possible corrective surgery until he is at least 7 according to Dr Chang so we aren't worrying about that until then.
I will be doing a post once on the insurance ins and outs (we are on Tricare Standard) once everything is said and done. I've gotten some questions about how we are able to have the surgeries done at a civilian hospital as well as how much we are going to be paying out of pocket so once everything is done, I will do a detailed post with a breakdown of how we handled Tricare and exactly what we ended up paying out of pocket.
Tucker's first surgery is on December 28th so head on over to
The Review HQ.com
or The Review HQ social media for real time updates.
Tucker's Hands:
Tucker's Syndactyly Update:
Thanks so much for sticking with me guys! I know I've been a total slacker and haven't been keeping the blog as updated as I wanted to. I promise to be better in 2017!!
Everyone have a great and safe holiday season!!!
Merry Christmas and Happy New Year!!!
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Happy Holidays!!!
My Navy Wife Life
- 11M ago
It's that time of year again!! Time for the Command Holiday Parties! Fun right?!
Check out our post of tips and tricks for
Command Parties here
and please remember to be safe this holiday season!
I've taken a bit of a break from the blog over the past several months and I appreciate everyone's understanding. I will be back after the new year with more regular posts.
Thanks guys!!!
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He's Here!!!
My Navy Wife Life
- 11M ago
I wanted to take a minute and share why I've been MIA...
He's here!!! Our second child, Tucker Thomas was born on June 14th at 4:48pm!
His birth story just went live over on our other blog
The Review HQ
Thanks for all the support and for being so patient!!
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Baby Update!
My Navy Wife Life
- 11M ago
Hi Everyone!
So sorry for the lack of posts recently!
We are getting down to crunch time for baby #2 aka Little Dude. As of tomorrow we are 4 weeks from his due date. Over the last several weeks I've had a huge decrease in energy (although I'm blaming that partly on my crazy 20 month old...) and have been struggling to keep up with everything. Fingers crossed he decides to come on out sooner rather than later!
We have also been crazy busy with selling our rental house in San Diego (post on that later), having our floors replaced for the 2nd time (improper install the 1st time), having our HVAC system replaced at the same time, going on vacation for a week with the extended family and now scrambling around trying to clean up from all that and make sure we are ready for Little Dude! For full details on our flooring debacle, check out our updates over at
The Review HQ
I hope to have some new posts up very soon and be sure to keep an eye out on our social media pages for updates on Little Dude when the time comes!
Thanks guys!!!
Still a Boy!!
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Home Inventory: What is it and Why is it Important for Military Families
My Navy Wife Life
- 11M ago
Good Afternoon Everyone!!
For anyone who doesn't have a home inventory done, run, don't walk to your computer and do one now!! I'll wait...
All done? Okay, good!
A home inventory is something that every household should have anyway but they are even more crucial for military families. We move. A lot. And every time we move there is a chance of something getting lost, broken or stolen.
So a bunch of things were damaged and are missing when your truck arrives at your new duty station. You call to file a claim to have them replaced and what do they ask for? What are the items, how much did they cost, where did you buy them, what color were they, what phase was the moon when you bought them, when can you sign over your first born child... Yeah. And what a pain in the butt it can be to try and find or recall all that information especially while under stress.
This is where a home inventory comes into play. It is simply a detailed list of your possessions. Now I'm not saying you need to have a 500,000 page spreadsheet that lists everything down to how many pairs of socks you have. My basic rule of thumb is a detailed list of everything in your home that costs $50 or more then basic documentation of the other items. For the detailed list, you want to list everything you can think of about the item. Detailed description of the item, serial number, where you bought it, when you bought it, how much you paid for it, where in your house it is and some good, clear photos. For the cheaper items, I usually just have a photo of it. Just enough to jog my memory if need be. Good examples of this are photos of the inside of closets, inside cabinets, inside drawers and shelves.
Home inventories can be as simple as a notebook that you hand write and include printed photos, a spreadsheet on your computer or even online services. It is all about how detailed and organized you want to be. I prefer online programs, specifically the Home Inventory app which I wrote a detailed review on over on my other blog
The Review HQ
. This app is very detailed, organized, and comes with several back up options so you never have to worry about loosing your inventory.
Now starting an inventory from scratch is going to take some time and patience but in the end, it is worth it. Once it's done, all you have to do is keep it updated. I recommend just updating it every time you sell or buy anything $50 or more and retake the photos of cheaper items (like drawers) once a year or so. I also recommend that you take extra time to make sure your inventory is complete before you start packing for an upcoming PCS and make sure you have it backed up in several places so you can easily find it if you need it. We always keep ours backed up in a couple of different places online as well as a physical copy in our fire box (or PCS binder).
Another plus of a good inventory? You don't have to guess on how much insurance you need. Once you have a total approximate dollar value of your items, then you have a much better idea of how much you need to be insured for and that will help to save you money in the long run. If you are over insured, you are paying too much each month for insurance you don't need and if you are under insured, you could end up having to pay out of pocket to replace items.
Until next time!
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PT Uniforms
My Navy Wife Life
- 11M ago
Good Afternoon Everyone!
Today we are looking at the last uniform in our little mini series and that is the Physical Training or PT uniforms. These are the uniforms that are worn for any command exercise as well as personal fitness on or off base if allowed by your specific command.
Photo from
This uniform is the same for men and women so I've only done one list.
Physical Training Uniform:
Yellow Navy Short Sleeve Shirt
Navy Shorts, Blue
White Athletic Socks
Optional Items:
Ball Cap
Skull Cap
Long Sleeve Gold Navy Shirt
Navy Blue/Black compression shorts
Navy Sweat Pants
Navy Sweat Shirt
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Thanks Guys!
**Remember, these posts are just for us non-military family member's reference. Your service member learned all of this and then some as part of boot camp but I've always found that it is helpful if I at least have a clue about what he is talking about. We've also had many occasions where I've had to run uniform parts and pieces to him at work and it saves a lot of time (and headache on both sides) if he doesn't have to spend 10 minutes trying to explain what he needs.**
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Coveralls Overview
My Navy Wife Life
- 11M ago
Good Afternoon Y'all!!
Today we are looking at the Working Coveralls uniform for E-6 and below!
This uniform is for "dirty work" or work that would ruin other uniforms. So things like construction, painting, etc. The command will let them know when this uniform is needed.***This uniform is being phased out for shipboard use. Its being replaced by a more fire retardant version (post to come!). I the mean time, this is good information about a very comfortable uniform that is still in use. ***
Working Coveralls:
Ball Cap (Either generic Navy or command cap)
Black Boots
Black Socks
Blue Crew Neck Undershirt
Black Belt with Silver Clip
Name Tape
Patches & US Navy Service Tape
Any Patches
Optional Items (per command instruction):
Black Earmuffs
Black Gloves
Be sure to follow us on Facebook, Twitter, Google + and Pinterest to be notified of new blog posts!!
Thanks Guys!
**Remember, these posts are just for us non-military family member's reference. Your service member learned all of this and then some as part of boot camp but I've always found that it is helpful if I at least have a clue about what he is talking about. We've also had many occasions where I've had to run uniform parts and pieces to him at work and it saves a lot of time (and headache on both sides) if he doesn't have to spend 10 minutes trying to explain what he needs.**
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How We Budget 2016 Edition!
My Navy Wife Life
- 11M ago
Hi All!
So I last posted about how we budget about 3 years ago. Over the last few years, things have changed... A lot.
We now have a kid, are expecting a second in the summer, I quit work, we moved across the country, own two houses, bought a new truck, bought a new van, planning another PCS... And needless to say, our budget has changed a bit as well.
We still stick to the same basic system as we did before which you can see in my original post
, but I have simplified it a lot and it is working much better for us. We still write down everything we spend for the week in a notebook as well.
Let me take a minute to talk about my FAVORITE credit card ever which is our American Express Blue Sky card. We put everything on this card for the points. We prefer this card because we LOVE Amex and this card isn't associated with any one airline or anything like that. You save up your points for redemption credits, charge your travel charge, pay your bill, then get a refund for the purchases off the next bill. No black out dates, no travel restrictions, nothing like that. If we could charge our car and mortgage payment we totally would!
We don't have any separate categories for things like house stuff, car stuff, pets or anything like that anymore. I had a very hard time trying to figure out how much to keep in those categories so I just did away with them although I have left up the spreadsheets from my original post for anyone who is interested.
We do still do our budgets by the week. We budget $25 per person per week for groceries so counting little dude even though he won't be here until June, we budget $100 per week for groceries then we try to stick to $100 per week for "other" purchases. This is for things like eating out, car wash, etc. Normal bills like cable, internet and cell phone don't count towards these budgets.
The only categories/accounts we have now are the following:
Primary Checking
This is the checking account that all of our income comes into
Pay Out Checking
This is the account we pay bills from
Beau's Checking
This is Beau's money
Claire's Checking
This is my money
Medical Savings
This is money set aside for medical
Slush Savings
This is left over cash from the end of the month until we decide what to do with it
Emergency Savings
Savings for emergencies
General Savings
Regular old savings (we do keep this one divided up into categories (or goals))
2 Brokerage Accounts (our retirement accounts)
We still have the same credit cards we did before except we have also added a Lowe's card but we only use it to get financing on any major projects. We opened it to get interest free for 18 months on our floors we put into the house and it was easier to just keep it open for the next project rather than closing then reopening it again later. We still have our MasterCard as a back up for our Amex as well as the Target red card we use to get an extra 5% off at Target and our Kohls card we keep for the coupons.
We have our savings contributions set up for automatic withdraw so we treat them like "bills". We contribute money each month to each of our brokerage accounts, our medical account and our emergency savings account. We plan to adjust the amounts on these every time something changes like a pay raise or when we pay something off. Right now debt wise we have two mortgages (our house and our rental property), 1 big car load for our mini van and we owe a little bit on our MasterCard. We had 18 months interest free financing on our Lowe's card for a special promotion when we bought our laminate floors that we had been paying on when we got our tax return so we just paid that down in full. Then right before we got the return, we found out that our younger dog Abbey needed two knee surgeries (read about that mess here)... So we paid the first knee with what was left of our return and we were able to get interest free until next February on our USAA MasterCard so we are using that to pay for the 2nd knee. We plan to have that paid off by the end of the summer at the latest.
We are also looking at what we are going to do when we move again as far as our houses are concerned. Our rental property has appreciated quite a bit and if the numbers work out correctly, we are going to sell it soon. **Update, it is now on the market!! Post on that coming soon!!** We will also probably sell the house we are in now unless we can work out getting enough rent to make it worth our while to keep it. Once all this happens, we plan to pay off the note on the van and look at options to invest the rest. Beau will also be needing a new truck before too long as well.
Another change that I have made is that I do all the bills once a week instead of once a month. So every Monday I pay off any charges on any of the credit cards from the week before. I use to do that once a month and it would take me hours every time and drove me nuts but once I started doing it once a week, I have have it done in 20 minutes. Basically, I add up all of our purchases for the week, move the money from the different accounts into the pay out checking and pay the credit cards off for that week.
I have also updated the monthly bills spreadsheet!
I will leave a link
if anyone is interested in using this template for their spreadsheets.
I have also re done our Savings Spreadsheet to be more inclusive. I've set it up to list every savings account we have as well as our debts and assets so that we always have a rough estimate of our overall Net Worth.
I will also leave a link
for anyone who would like to use this as a template.
For anyone who is interested, we bank primarily through USAA. We do keep 2 High Yield savings accounts with American Express but all of our other accounts are with USAA. We have been with them for years and just love them to pieces. We have had a couple of smaller problems with some people there before but they have always gone above and beyond to fix the problems so we have always been happy with them.
As always, thanks for reading and be sure to follow us on your favorite social media platform to get alerts of new posts!!
Thanks Guys!!
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text:
I've had these stamps for a couple of weeks and have been itching to use them. This one is for Louise's birthday. My younger daughter takes after her mother - crazy about shoes, and, as she wears red wellingtons to walk Murphy this seemed very apt.
The second one is for a friend whose mum died yesterday.
Papertrey Stamps. Green Thumb
Everyday Blessings
Tuesday, 24 June 2008
Sunday, 1 June 2008
My First 'Stampin' Up' Set
These are made with my new SU set, Essence of Love. May be my first of theirs but certainly not the last. This first one is not my usual colour choice but I brayered the background with yellows and orange and really liked it.
These next two are also on brayered backgrounds,this first on has the same stamp randomly over the brayering. I double stamped the image without re-inking and the finished shadow effect is almost 3D - not so noticeable on the photo. Haven't decided on a sentiment yet.
This last one and the first have the butterfly from the set stamped, embossed and added with a glue dot to give some depth. Added flower brads and the quote from the set too.
Posted by Jean at 15:26 3 comments:
In the News Too
My daughter Louise featured in the local Gazette this week. She was asked to complete a questionnaire about her pets then they sent a photographer to do pictures. Of course Murphy thought it was a huge game and sat beautifully until the camera was raised then danced and pranced - or licked Louise which made her crunch her face up, not really the image she wanted publicised. This is the final piece.
Posted by Jean at 15:09 1 comment:
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