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We had a sermon, a few months back ,on Psalm 23: the priest said that it was one of those pieces of sacred literature which somehow resonates strongly and roots itself firmly into the memories –surfacing and surviving even in the senile, in stroke victims etc. (Like Wordsworth's 'Daffodils' in Gillian Clarke's poem about reading this in a care home). You know what I mean. And I believe it –even in a largely post-biblically-aware civilisation, there are these residue echoing strands…
I'm not sure what Eliza Gilkyson intended from her lovely song 'Sanctuary': was she indeed trying to write a psalm 23 for the 21st century? Was it a love song for a significant other couched in the assumed elegance of semi-biblical echoes? Was it simply an acknowledgement of her awareness of an overseeing/accompanying 'presence' in her life? I don't know –but it is a most enriching song – its pace and its melody cradling measured tones of peace that entirely marry to the lyric.
It starts with that straight biblical 'lift' of course –'… The valley of the shadow…' but from there on, the 'deathly shadows' of modern experience are expressed in fresher, more original ways –'in the crowded rooms of a mind unclear…', 'through fear's dark thunder…', 'through the doubter's gloom and the cynic's sneer…', '… The sea of desires that drag me under…' My favourite is one I'm not sure I fully understand – 'though I've been traded in like a souvenir…'! And, like the iconic psalm it sort of emulates, this is a prayer for every one. 'Though my trust is gone and my faith not near…' – for strugglers, for believers, for doubters – the affirmation we all long for –'Thou art with me.' And yes, please note, family, another to add to the list: I want this recording played at my funeral.
One particular memory I have of it is when, a couple of summers ago, I tried to walk sections of the Rhymney Valley Ridgeway. Trying to follow the maps, I found myself (between Hengoed and Maesycwmmer, for the record) stuck in the middle of a huge brambled-up area, hoping to find a path, but increasingly snagged up and hardly able to move. In all of this, for at least 40 minutes I think, before emerging much scratched and bloodied, my iPod played 'Sanctuary' into my earbuds, and it was a most appropriate and energising prayer.
On the 'Red Horse' recording, it's sung by Lucy Kaplansky, and with the other two songwriters on this sharing-our-songs project –John Gorka and the song's composer Eliza Gilkyson, singing backup and harmonising. As with 'Cry Cry Cry' (Dar Williams, Lucy Kaplansky, Richard Shindell) another great album and project similar to Red Horse, I don't know whether these collaborations are driven by creative or commercial impulses – but I can't help but love the end results of the co-operative, composite venture – these remarkable recordings.
Looking again of the lyric of Jane Siberry's 'The Valley', I'm not exactly sure why I've always automatically associated it with Psalm 23 – and yet I have the kind of gut feeling that she was aiming for something of the feel of it (?), in certain places anyway – 'the valley is dark… You walk through the shadows… You trust the light… The shepherd…' Rhythmically, and and as regards tempo and tenor, it's very close to Gilkyson's 'Sanctuary'. When I first heard it, it was on that amazing Christmas (live) double album 'Child' –and while there are distinctly quirky choices on there, I felt this song had a genuine spirituality and solemnity to it. Since then, I've heard it in her original early album recording (on 'Bound to the Beauty') and also as a stunningly good cover on KD Lang 's wonderful album of songs from Canadian songwriters. In each case my original impression is confirmed. More about Jane Siberry very soon. Though I've written more about 'Sanctuary', I hope this one doesn't get overlooked: listen to this recording.
In this song, the affirming refrain is 'You will walk in good company' –and although I'm not entirely sure what Siberry intended from that either, in my head it has the same psalm 23-type sense of 'Thou art with me'. I love it when songs lead me back to God, whether they intended it or not.


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Dangerous time
This is an extremely dangerous time for our country.
This time calls out loud for a strong leader who's feared and respected throughout the world.
Unfortunately, we have a president who's out to destroy America.
He has ruined our health care system, destroyed our economy and weakened our military (to pre-World War II strength).


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|Laboratory Diagnosis
|Printable Version of this Page
The disease infant botulism is first suspected based on clinical features of the infant patient (12 months of age or younger). Symptoms such as poor feeding, droopy eyelids, constipation and lethargy, together with hypotonia and loss of head control, prompt physicians to consider botulinum toxin as the causative agent. Accordingly, it is necessary for laboratory analysis to be performed without delay to establish the diagnosis. Prompt laboratory diagnosis of infant botulism is helpful for patient management and rules out the possibility of fatal degenerative neuromuscular diseases.
The laboratory diagnosis of infant botulism is a two-part process. The first component is to perform a direct toxin analysis. This requires the extraction of toxin directly from the fecal specimen and the use of specialized techniques to identify and type the toxin. The second part is to culture the feces using specialized media and techniques in order to isolate Clostridium botulinum.
Specimen submission form for California patients only:California hospital laboratories and health care providers click here to access the Infant Botulism Diagnostic Testing Specimen Submission Form (PDF-fillable). Please be sure to fill in every box on the form.
Printable Version of this Page
|For non-urgent questions and comments, please email
(The entire contents of this website are © 2010 by the California Department of Public Health)


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The Village of Antioch and a trucking company were sued Monday over a chemical spill that contaminated a creek and killed about two dozen fish.
The lawsuit, filed in Lake County Circuit Court by Illinois Atty. Gen. Lisa Madigan and Lake County State's Atty. Michael Waller, alleges the village and JVH Trucking Inc. of Plainfield substantially endangered the environment, created a water pollution hazard and violated water quality regulations.


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Ipanema Beach and Pedra de Arpoador is a 8.4 kilometer moderately trafficked out and back trail located near Leblon, Rio de Janeiro, Brazil that offers scenic views and is rated as moderate. The trail offers a number of activity options and is accessible year-round.
kid friendly
nature trips
trail running
The Zona Sul is Rio's upscale neighborhoods, and the area of the most famous beaches, including Copacabana, Ipanema and Leblon. The Zona Sul is overlooked by the world famous Christo Redentor. The beach and neighborhood Ipanema gained fame from the bossa nova sound "Girl from Ipanema" written in 1962 by Antonio Carlos Jobim and Vinicius De Moraes. The word "Ipanema" comes from the old Tupi language and means "bad water", probably bad for fishing, since the waves, dying too close to the sand, push fish away. Ipanema is a kind of peninsula, a tiny band of buildings surrounded by the ocean and the lagoon Lagoa.


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According to All About Vision, 20/15 eyesight is a measurement of visual acuity used in optometry, relating to eye test charts. The numbers indicate distance from the chart in feet.Continue Reading
According to Prevent Blindness, at a distance of 20 feet from the eye chart, a person with 20/15 vision sees the letters with the same visual acuity as a person with 20/20 standing 15 feet away from the chart would see. Normal eyesight is defined as 20/20 vision, although the average adult has stronger acuity, measured at 20/15 or 20/10, according to Prevent Blindness. An eyesight of 20/15 is equivalent to 6/4.5 vision using the metric scale. In most people, visual acuity diminishes with age.Learn more about Vision


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What Can the New iPhone and Apple Watch Do For Field Service?
Author: Gil Bouhnick, VP of Mobility
The answer is: it depends. You probably don't need the duo immediately, but the features are such that for workers out in the field, especially those that work for utilities, communications service providers, capital equipment, or even traveling healthcare workers, the benefits will be a boost for both employee and employer.
Here are a few advantages that may be useful for field service organizations:
From a competitive standpoint we had been seeing a fair number of organizations move to Android devices for 2 reasons: cost and size. The new iPhone (the 6 coming in at 4.7" and the 6 Plus at 5.5") address the size issues, giving workers in sometimes difficult environments more room to type, more text to read, bigger images, troubleshooting guides and all sorts of size-related advantages.
Durability and Readability
The device includes a new polarizer in the glass that offers better bright sunlight readability. And Apple touts the new iPhone as being stronger and more durable. While it's no Toughbook, the device is certainly moving away from its fragile beginnings and is now more compatible with the realities of life in the field.
Predictive Text
Predictive typing with Apple's QuickType keyboard (in iOS8) is said to be smarter, more personalized and intelligently take context into account, such as who the recipient is. We see this as an extension of ClickSoftware Butler capabilities by helping to understand the way people communicate and provide contextual guidance. This improves the speed of communications between workers and the office, workers and each other, and workers and customers.
I've been a long fan of iOs keyboard, and the way it quickly learns new words. If indeed this is going to be better as promised (so far my tests with iOS 8 beta is inconclusive) – it's going to be by far the best keyboard out there.
While Apple spoke at length about selfies, mobile workers, especially in complex or low-light environments, will benefit from the new 8MP image sensors the iPhone 6 cameras feature what Apple is calling Focus Pixels, which more quickly focuses and snaps a shot. The iPhone 6 Plus offers optical image stabilization to help reduce image blur in low light — iPhone 6 offers only digital image stabilization.
Wi-Fi Calling
While reportedly only available with a limited number of carriers right now, we anticipate more will follow soon. And when they do, this will be helpful for workers who may or may not have access to cell coverage.
Apple Watch
I'm cautiously optimistic that the Apple Watch will significantly enhance the employee experience in the field. With the ability to respond, via voice or quick touch, to messages or alerts, the watch has the ability to take wearables from a "nice to have" object to a real everyday tool in the enterprise.
With the predictive features, availability of maps, and turn by turn directions, it may become the powerhouse piece of hardware that let's workers do most of their work with the watch, and only need to pull out the phone when they need to larger screen environment for lengthy typing or to access large amounts of information.
Field employees often need to react quickly and respond to emergencies, notify their customers about their ETA, and report back to the back-office. Those are typically short interactions, and the Apple Watch may become the go-to device for such actions. In order for that to happen, the apps running on the watch must offer solid capabilities beyond notifications. I think Apple is almost there.
The HealthKit, which was touted for fitness junkies, also has real and impactful benefits in the field. With biometric feedback, heart rate detection and a host of other features, it will go a long way to adding to health and safety measures of workers in dangerous or remote locations. We've seen organizations ask about such capabilities (especially about simple wearables) and using apple's HealthKit API's, apps are now capable of providing these capabilities in that area.
Categories:Mobile Apps, Wearable Technology


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About this listing
This is the ground floor of an Edwardian House. In good decorative order and is extremely spacious.. The Master Bedroom faces South with an ensuite wet room. Next to the Master Bedroom is a good sized with family bathroom/shower with double sinks. The Kitchen has a partial island/breakfast bar.The second Bedroom is a good double with french windows in to the garden, The sitting room at the rear of the property overlooks the garden and woods beyond. Wifi and linen provided.
Things to do nearby
Greenwich Park, the oldest of London's royal parks, and the town centre, lie within the World Heritage Site boundary. Located here are the many attractions that make Greenwich a place of international significance.
Blackheath and Greenwich have shops, great restaurants and public transport to central London.
I'd love to hear from you. Please contact me to discuss a price, I am sure we can agree on something -Let's talk
The owner
Female from United Kingdom
Joined 07/08/2011
Speaks English


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Gary Gilot's innovation and creativity keep South Bend, Ind., one step ahead
Not long ago, Doug Marsh, architect and associate vice president at the University of Notre Dame, was approached by a group of students who wanted a new walkway to make it easier for pedestrians to cross a busy street at the border of the campus and South Bend. Ind. "We provided the equipment, and the city supplied the engineering staff to install it," Marsh says. But, he says that the direct involvement of the city's Public Works Director Gary Gilot "made it happen."
Considering that Gilot also has been able to make happen everything from computerized manhole covers to greenhouse heating with computer servers, the job of installing the new walkway may seem, well, pedestrian. But Marsh thinks it represents exactly what makes Gary Gilot special. "He's always evolving and growing," Marsh says.
For his outstanding performance with groundbreaking major projects that are reshaping the public works landscape in South Bend and being held as national models, American City & County magazine has picked Gary Gilot as the Public Works Leader of the Year.
In nominating Gilot (pronounced "jiLOT"), South Bend Mayor Stephen Luecke says that his public works director "represents the best of creativity, innovation and ingenuity in government" and that Gilot has turned the public works department "into a laboratory for new ideas and concepts." Luecke says that Gilot's entrepreneurial approach has combined efficiency with an open approach to new ideas that serves the city well. "It's hard to condense what Gary represents into a short answer," he says. "He has a 'can-do' attitude. It's never, 'It can't be done.' It's, 'How can we do it?' and then, 'How can we do it better?'"
A high-tech CSO solution
At the top of Gilot's recent accomplishments, Luecke cites the installation of computerized technology to tackle a century-old problem of managing water through its combined stormwater and sanitary sewer system. With 772 other U.S. cities, South Bend is mandated by the U.S. Environmental Protection Agency to reduce combined sewer overflow (CSO) by 85 percent over the next 20 years. Without improvements, the system faces the chronic problem of dumping untreated waste that exceeds its management capacity into its rivers during storms. A total separation of the system is estimated to cost $650 million over the next two decades.
For South Bend, a city of 100,000 residents in Northwest Indiana, fixing the problem with conventional solutions would be extraordinarily expensive. But, with CSOnet, a network of embedded wireless sensors and computerized control systems that Gilot installed in conjunction with Notre Dame and Purdue University engineers, South Bend will become the first city in the world to integrate computerized sensors and motorized controls to prevent overflows. Over time, the city will invest $4 million in CSOnet infrastructure to avoid a projected $120 million in future capital expenses for the same level of environmental benefit. A consulting firm estimated that applying the test program citywide would cut the problem by 25 percent. The project was partially funded with a $3 million federal stimulus grant.
In its first month of service, the network of sensors prevented 2 million gallons of combined sewage and stormwater from being released into the St. Joseph River. It actively retained water from nearby parking lots or other sources of stormwater runoff, only releasing it into the system when the danger of an overflow from the combined sewer overflow downstream had passed.
Michael Lemmon, a Notre Dame engineering professor, recalls that he met with the city about five years ago to identify how the engineering department could apply research to its real-world needs. Gilot was interested in new technology that could apply a wireless sensor network to the water runoff dilemma. "Gary was very supportive and forward thinking," Lemmon says. "He was willing to consider a nonstandard solution and give it a try to see if it would work. I was really impressed. He was willing to look outside of the box."
Lemmon believes that the technology employed in South Bend may have application nationwide as cities grapple with the issue of stormwater management, and he has spawned a small start-up corporation to promote the solution. By shifting excess water during heavy storms to pipes underground with excess capacity, the city keeps the overflow out of residents' basements and out of the rivers. "This is an idea that can go national," he says.
Server heat warms greenhouse
Another project undertaken with Notre Dame that Gilot has shepherded involves using the heat generated by university computers to warm the Desert Dome in the city's popular greenhouse in Potawatomi Park. Seeking to avoid rapidly growing costs to cool computer servers, the university agreed to place 200 high-performance servers near the greenhouse so that the heat from the computers warms the dome, reducing the dome's heating bill by 10 percent. The university saved about $42,000 for cooling costs on campus, and substantially reduced its carbon footprint. A high-speed fiber network that Gilot deployed in the city enables the project. "Gary understands the fundamental engineering but also the fundamental science," says Paul Brenner, who heads science-computing operations at the university. "He is able to integrate the technology with the existing infrastructure."
Not all of Gilot's creativity comes through the implementation of high technology. In his quest to economize on winter road maintenance in January 2009, he turned to the lowest of technologies: adding water to salt.
At the time, prices for rock salt were rising, so the city joined with other governments to buy a large quantity of salt at about one-third the market rate. But Gilot figured that 1 ton of rock salt covers four miles of street, but the same amount of rock salt converted to brine covers 19 miles. And, because the salt brine can be applied before storms, the city also could save on overtime pay. In its first year, the city used $160,000 less in salt and avoided $5,000 in overtime costs. In addition, the use of brine reduces the corrosive effect of the salt on the environment.
For his part, Gilot admits that his training in civil and environmental engineering and his advanced degree in business administration influence his approach to the public sector. "The environment has always been what makes me tick," he says. "We have limited resources, and we have to figure out smart ways to allocate resources. There's not more and more money to do things."
A creative style
Gilot, 53, began his public works career in Elkhart, Ind., in 1984. At the time, he was working as a consultant and received a call from the newly elected mayor, who needed a public works director to straighten out the wastewater treatment plant, which was under a regulatory order. He stayed for 16 years. "They gave me the freedom to be creative," he says. "I got a different perspective of government that it wasn't bureaucratic and restrictive. They gave me latitude to undertake applied research projects."
After the mayor who hired him was defeated, Gilot received an offer from Mayor Luecke and moved to the bigger city in 2000. "He encouraged me to be entrepreneurial," he says.
The CSOnet project was attractive because "it's creative, it's disruptive." But it was very new, so he wanted to deploy the technology in a trial setting. "You don't drop new technology, full scale overnight," he says. "It was conceptual, but I'm open to people's ideas to improve on the original plan."
One of the biggest lessons learned is that the system had to be developed to better manage the amount of information moving through it. Rather than sending two men to look into a single manhole cover, the entire system now sends updated information every five minutes. That allows the city to send crews before an overflow, but it also taxes the managers' ability to monitor the system. As a result, the first change was in data management. "Now, [I] can tell at a glance what the system is telling me," he says.
The greenhouse project, where heat from university computers heats a greenhouse, is exactly the type of project, with its efficiency and recycling, that excites Gilot's environmental bent. "Too much keeps us in silos," he says. "We've not done a good job of reducing waste."
So, working with the university science department was the perfect project in his book. "It takes as much electricity to cool the computers as the energy they use," he says, effectively doubling the energy use. "This has an environmental impact, climate improvement."
He sees potential application of the heat transfer concept to the city's wastewater treatment plant, which requires heat to break down the waste. It also could be used at the city pool, which is heated during some months. Hospitals and other facilities also might be able to use a similar heating system.
Transportation improvements ahead
The next frontier for South Bend is an improved transportation system that would include a trolley in the city and a high-speed rail line for inter-city travel. Gilot says that both projects are long term but have significant potential for the city. The trolley would run about five miles and connect technology parks, the downtown area and the medical center. Carrying a $25 million price tag, though, it is still some time in the future.
The high-speed railroad costs even more — at least $8 billion, according to estimates — but the project received a head start with a $2.5 billion planning grant from the economic stimulus program. Gilot wants to make sure that the project, which would run from Michigan to Chicago and Wisconsin, includes South Bend as it passes through Indiana. "I used to think that it was very long term, an academic exercise," he says. "But I think more are realizing that it's essential for the economy of the Midwest hub for business and commerce."
As he looks to the future, Gilot is optimistic about others who will eventually take his place, innovating and experimenting. "We still attract a lot of very bright, good young people in this field," he says. With people like Gilot to encourage his staff to use innovative ways to solve age-old problems, South Bend can be optimistic about its future, too.
Robert Barkin is a Bethesda, Md.-based freelance writer.
Related Stories
- Public Works Leader of the Year: Master of disaster
- Goal diggers: Public works leaders cultivate sustainable communities
- Rethinking public works: Public works departments focus on sustainability


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Matakki hair texture razors for use in hairdressing and barbering to add a different dimension to your cut. All Matakki razors feature superb sharpness and cutting durability thanks to the Japanese surgical steel blade installed.The M3 Pink is manufactured from high-grade, soft-touch moulded plastic that will not slip out of your hand. Includes 1 Japanese surgical steel blade that prevents the clogging of cut hairs, and also guarantees a superior cutting performance. Also available in black.
Matakki Scissors come with a lifetime warranty that protects against any manufacturing defects during this time. If it's faulty then Matakki will repair or replace free of charge.
Every Matakki scissor is hand made and forged from the finest Japanese steel. We use technology that dates back over 100 years.


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Quick Move small and cheap movers for Sydney siders, specifically designed to help people with only a few items such as one bedroom and two bedroom apartments & studios mainly in the City but we service all areas across NSW, inner west and out west. We operate 7 days a week 7 am to 7pm, call us any time during these business hours for a free quote. We are always happy to talk with you about your job, small moves are us! Call us today on 1800 784 256. You wont be disappointed you did, check out the reviews we receive daily from happy customers that use our service regularly, we also provide a delivery solution for small businesses so if you are an eBay seller you can also benefit from this small moving service.
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The Board is committed to attracting applicants of the highest calibre and to recommending to the Scottish Ministers suitable individuals for judicial office who have been selected through processes that are fair, transparent and command respect.
The Board takes seriously its duty to encourage diversity among those who are eligible to apply for judicial office, while ensuring that merit remains the principle for recommending applicants for appointment. The Board is working to encourage all eligible applicants - regardless of gender, age, social or ethnic background, marital status and sexual orientation - to apply for judicial office.
The Board undertakes to ensure that those who apply will undergo a selection process that assesses their abilities and personal qualities fairly and openly. In this way the Board is confident that the best individuals will be appointed.
For further information on diversity issues in the judicial appointments process, please refer to the Research Projects section of our website.


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Katie Haganman: Warren County General Assistance Office
What was she up to this fall?
Katie Haganman, Sociology major, spent fall semester interning with the Warren County General Assistance Office and Warren County Necessity Pantry. In addition to such general office work as inputting data, answering phones, and working with clients, Katie organized and hosted a necessity drive for the Necessity Pantry as part of Simpson College's Homecoming Football Game.
What strengths did she utilize in her internship?
Katie was sure to be prompt, showing up every day at least five minutes early. She was also a strong communicator, keeping in contact with her supervisor, asking questions as needed, and sharing ideas about classes and clients.
What did her supervisor have to say about her work?
Emmalee Bowlin, Director of warren County General Assistance Office, commented, "Katie is a very organized and driven individual. She has shown great care for the clients she has worked with. She is a hard worker and is always willing to go the extra mile."
How did she find out about her internship?
Katie shared that surprisingly enough, she found her internship on Craigslist. Craiglist is one of many web search engines where employers post internship and job postings. As with any web search, the Career Services team encourages students to complete research on any potential employer and reach out for help when unsure.
Why does she feel it's important for students to intern?
Katie commented, "I feel it is important for Simpson students to have an internship as it gives the students experience in the field they are studying. It also gives many students a better idea of what they want to do in the future. Students may find they want to take another career path. Interning will also give students an opportunity to network and have potential for future employment."
What advice does she have for future interns?
Katie encourages, "Don't be afraid to ask questions! This is how you will learn and it will help you become more experienced in your field."


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Advent 2016: Enlarged in the Waiting
As we approach the Advent season and begin the new Christian year, we offer this reflection from a book we love—Living the Christian Year by Bobby Gross (IVP). ~Ruth Haley Barton
"Of all types of waiting, the waiting of pregnancy is most like the waiting that we do during Advent. The waiting of pregnancy is like the waiting we do for God." – Wendy Wright
For four years my wife and I were eager to have a baby. At first, naturally, we tried like everyone else. After some time, we had tests. Then we tried drugs—as prescribed by my urologist. At one point we considered artificial means and later looked into adoption. We were praying and trying and waiting and hoping, all a bit anxiously, no doubt.
One spring Sunday at our church in Miami, at a point in the service open for worshipers to speak words of testimony or encouragement as led by the Spirit, a young man said something that caught my attention. André was a rotund, deep-voiced Jamaican temporarily among us as a participant in the Youth with a Mission program hosted by our church. "I sense from the Lord that a couple here today has been trying to have children, but unsuccessfully; the Lord is saying: trust in me and you will receive the desires of your heart."
Open to Mystery
I was generally open-minded about the charismatic workings of the Spirit, but more as an observer than a practitioner. Was this a prophecy of some sort? Was it meant for us? That's what our priest suggested when André asked him who might be the subject of this pronouncement. Father Cliff pointed him to us. We listened, neither dismissing his words with skepticism nor seizing on them with enthusiasm; rather, we tucked them away to ponder quietly in our hearts. And we waited.
André returned to Jamaica. We went off that summer to Vancouver for study. Our friends prayed earnestly with us about our situation and listened to our confused questions: Adopt? Remain without children? What were our desires, really? They prayed with us and for us.
Shortly after Christmas, out of the blue, we received a brief note from André in Jamaica: "Have been praying for you and wondered what was up." I was startled. I had not thought of him for months. A trace of hope rose within me. I was even more startled when only days later Charlene learned that she was pregnant.
Nine months later, Evan was born.
At Home in the Waiting
I am mindful just now of the innumerable stories of couples seeking to have children. Many are wildly successful and others deeply disappointed. Some joyfully adopt. Some of those adoptions become painful down the road. Some give birth to babies with Down syndrome or other heartbreaking conditions. And many others are disheartened by miscarriages.
So many stories, such a wide range of emotions. Such long and arduous and prayerful waiting—sometimes followed by joy and sometimes by hard-won acceptance of God's will in our lives.
These words from Scripture remind us that waiting is a reality for all of us in one way or another. "All around us we observe a pregnant creation. The difficult times of pain throughout the world are simply birth pangs. But it's not only around us; it's within us. The Spirit of God is arousing us within. We're also feeling the birth pangs. These sterile and barren bodies of ours are yearning for full deliverance. That is why waiting does not diminish us, any more than waiting diminishes a pregnant mother. We are enlarged in the waiting. We, of course, don't see what is enlarging us. But the longer we wait, the larger we become, and the more joyful our expectancy." (Romans 8:22-25 The Message)
The Heart of Advent
Advent is a season in which we practice waiting; we wait for the coming of God. We need him to come. Our world is messed up and we are messed up. We lament our condition and long for God to set things right, to make us better. So we pray and watch for signs of his presence. We do all we know to do so that we are open and ready.
In the midst of hardship and disappointment, we continue to wait. We wait in hope. We believe that something is happening in our world, something is taking shape in our lives, something large, light-filled and life-giving. Even in December's lengthening darkness, this seed of joyful hope grows within us. We are pregnant with it. In our waiting, we are enlarged. God is coming!
The Three Comings of Christ
In Advent we focus on three "comings" of Christ: his arrival in history as a baby born of Mary, his return in fearsome glory at the end of time and his intermediate entrance into our own lives. During Advent we are engaged by the prophets of Israel—Isaiah, Zephaniah, Micah, Malachi— and their messianic visions. We are confronted by John the Baptist's stern call to prepare for Jesus by repenting. We are beckoned to walk with Mary and Joseph in their anxiety and expectation. We are sobered by the teachings of Jesus and his apostles on the judgment to come at the end of the age.
But to seriously attend to these things in a few short weeks (Advent lasts twenty-two to twenty-eight days, depending on the year) is not easy, especially when these weeks are for many of us the busiest and most demanding of the year. How can we experience Christ coming anew into our already full lives? How can we be absorbed in hope when we are so harried? How can our lives be enlarged in so brief a time?
Clearly it takes some work, some wrestling against the culture and our own proclivities. But making it happen isn't all on us. A grace is also at work in this season.
The Slow Work of God
Think again of a pregnant woman. Yes, she must pay attention to her body and take care of herself, but the life within her mysteriously takes shape and steadily grows of its own accord. As Luci Shaw encourages: "During the waiting times God is vibrantly at work within us. And if through the Spirit of God we have been united with the Father in dynamic relationship, if God has sown his gospel seed in us, then Jesus is being formed within us, little by little, day by day. But we have to wait if the Word is to become flesh in us. And that kind of waiting feels like work."
The paradoxical work of waiting.
The prophets and psalmists can help us. Old Elizabeth and Zechariah can help us. Their son John can help us. Young, expectant Mary can help us. We can enter their stories, listen to their words and pray their prayers over these weeks. By so doing, we deepen our longing and heighten our hope for God's coming. By so doing, we become more attuned to the joyous wonder of Christ's incarnation and better prepared for the fierce glory of his return. By so doing, year after year, we will be changed as Word becomes flesh in us.
Adapted from Living the Christian Year: Time to Inhabit the Story of God by Bobby Gross. Copyright (c) 2009 by Bobby Gross. Used by permission of InterVarsity Press, P.O. Box 1400, Downers Grove, IL 60515, USA www.ivpress.com.
©Transforming Center, 2016. Not to be reproduced without permission.
Receive a FREE Advent CD or a CD for as low as $5 depending on the package you purchase. Learn more and experience Advent as a season of transformation.
As we enter into the Advent season, where are you waiting for God in your life just now?Discuss


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Blood Pressure Medications and Cancer Risk
Dr. Sharon Orrange - July 23, 2013
Concerns raised about ARBs (angiotensin receptor blockers) have folks worried. Patients have come to our offices asking if they should switch their blood pressure medication. Let's shed some light on the issue as there is reason for calm. Well known ARBs include losartan (Cozaar), candesartan (Atacand), irbesartan (Avapro), Benicar (olmesartan), Diovan (valsartan) and Micardis (telmisartan). They work well to lower blood pressure and the kidneys of diabetics love them. See More
Generic Atacand Is Now Available
Elizabeth Davis - June 11, 2013
Generic Atacand (candesartan cilexetil) is now available from manufacturer Sandoz, following the approval of the Atacand HCT generic (candesartan cilexetil and hydrochlorothiazide) last year.
Atacand is an ARB (angiotensin receptor blocker) used to treat high blood pressure, in the same class of medicines as Cozaar (losartan), Avapro (irbesartan), and Diovan (valsartan).
Prices for generic candesartan are already as much as 50% lower than brand name Atacand, and should continue to drop as more manufacturers get approval to market their versions of the generic. See More


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Theo Walcott has promised Arsenal's walking wounded will be ready for their FA Cup showdown with Tottenham.
Walcott admitted the North London derby is the first fixture he looks for in any season and insists he and his fellow Gunners will be fired up for it.
It comes at a difficult time for Arsenal as Olivier Giroud is set to miss out because of an ankle injury while fellow striker Nicklas Bendtner and goal-scoring midfielder Aaron Ramsey are also out.
But winger Walcott says beating the neighbours will be the only inspiration they need to get themselves ready on Saturday.
Walcott said: "The first fixture I always look at is [when we play] Tottenham. Every time Tottenham come here or we go there, you want to put 100 per cent in -more, if you can.
"These are massive games, the games everyone wants to be part of. We've had a busy festive period going into the New Year and everyone needs to recover well, which we have been doing.
"Hopefully, players can come back now but Tottenham, we've got to be right up for that. I can't wait for that game.
"I think it's going to be a bad time for them to play us as well. For the neutrals it's going to be a very interesting battle. FA Cup is always special, for me, being English as well. I love the FA Cup. I can't call it. It's one of those games that's going to be very open, I'm pretty sure of that.
"Tottenham, since their new manager came in, they've done very well to be fair to them. But they won't want to play us - and it's at the Emirates.
"We're trying to make our stadium into a fortress, and we are starting to do that."
Arsenal's injury problems could mean a start for Serge Gnabry and even a place on the bench for highly-rated youngster Gedion Zelalem.
But Arsenal's fixture list gets easier after this weekend and that may dissuade Wenger from making a panic buy in January even though Bendtner could be out for up to six weeks.


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I like the zippy massage device, I have used it for self care so far but it allows me to get into those places that I just cant get enough pressure working on myself.
Phoenix, AZ (PRWEB) August 12, 2013
Zippy RBT Zing Partners LLC on LinkedIn invited members of the Linked In, Massage Magazine discussion group to participate in an evaluation panel. Zing Partners LLC provided the Zippy RBT golf ball massage device model of their choice to licensed massage therapists who were interested in evaluating the product in regards to both self-care and client-care modalities. Over the evaluation period several surveys will track data on initial impressions, pricing, shipping, function, and device performance over time. The initial survey focused on expectations prior to receiving the Zippy, initial impressions of materials and use, opinions on function and value, intended use, and the likelihood of recommending Zippy to others. 92% of respondents determined Zippy valuable enough for effective personal and professional use to recommend to others. Recommended by professional therapists and Zippy RBT devices ship free from http://www.zippymassage.com
Zing Partners LLC manufactures, and distributes Zippy Rolling Ball Therapy (RBT) massage devices made in the Phoenix, AZ, USA. Zippy devices combine a regulation golf ball (which happens to be the perfect size and shape for massage) with a custom manufactured precision, durable shell so the ball can be held comfortably in professional therapeutic session with full control for effective use. Zippy RBT devices make relaxing massage available anywhere. This comment in response to initial impression of the product: "I used it on myself today after finding in my mailbox. It worked great on my leg and arm muscles. I like it!" Another therapist commented: "First impression was that the idea was so simple, why didn't I think of that. Usually the simple things work best. It seems to be sturdy and should last and it can be used in a number of ways and that makes it more valuable of a tool…" Zippy Rolling Ball Therapy golf ball massage devices are easy to use, versatile, effective, and convenient to take with you.
Zippy RBT golf ball massage therapy tools are used daily by athletes, personal users, and professional physical therapists. Zippy tools are valuable to use for general health, peak performance, relaxation, and exceptional results in recovery from strenuous exercise and training. Zippy massage tools provide an easy interface to gently and effectively relax sore muscles, work tissue around joints, realign scar tissue, sooth deep muscle injury, untie "knots," and sooth muscle spasm.
40% of the responses identified use of the Zippy for self-care only. A commenter posted this note regarding self-care: "Effective tool to release muscle tension and provide deep therapy."
53% of respondents reported using the Zippy in both self-care and client-care situation, and a comment from a therapist using Zippy for both modes was well received: "I loved the Zippy especially for self-massage as I was able to get good pressure on my neck muscles which is normally hard to do. Also I have been renovating a new office and came home with a lot of bicep and forearm pain. The Zippy was perfect for reaching those areas which again is hard for me to do with just my hands and fingers. I found that i was able to get consistent pressure in running down the muscle during the massage. Clients have seemed to enjoy it."
Zippy RBT models: the Basic, the Rocker Handle, and the T-Handle are the right size and shape for everywhere use. The Rocker and T-Handle models expand grip opportunities/profiles and offer integrated therapy tools that can be used easily by professional or home care user. Compact, durable Zippy RBT devices are convenient to carry and use, perfect for pocket, purse, golf or gym bag, auto glove box, nightstand, and sports bag. Zippys are excellent to use when frozen for "spot on" ice therapy without the wet mess. Visit http://www.zippymassage.com for more information. Free Shipping on all purchases at http://www.zippymassage.com.
Zippy Rolling Ball Therapy massage devices are available at a growing number of spas, running stores, therapy device supply houses, Amazon, and online at http://www.zippymassage.com. Check out the Zippy RBT YouTube Channel for current and future videos. http://youtu.be/ajJWhzr1c5M. Visit Zippy RBT – Rolling Ball Therapy on Facebook and "Like". Follow @ZippyRBT on Twitter.
Zing Partners LLC donates $5 to Hoil Heroes Foundation to assist pediatric transplant patients and their families through August 31, 2013 for each device purchased online


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In its recent decision in AIX Specialty Ins. Co. v. H&W Tank Testing, Inc., 2017 U.S. Dist. LEXIS 169787 (M.D. Ala. Oct. 12, 2017), the United States District Court for the Middle District of Alabama had occasion to consider the scope and permissibility of a professional liability exclusion contained in a general liability policy.
H&W, a tanker truck inspection company, was sued in connection with its alleged negligence in inspecting a tanker truck carrying a load of propane gas. The truck later was involved in a crash, which resulted in the propane leaking and ultimately exploding, causing severe injuries to the driver. The driver sued H&W on the basis that it negligently failed to test and inspect the propane tank.
H&W sought coverage for the suit under its general liability policy issued by AIX. The policy contained an endorsement titled Testing or Consulting Exclusion, applicable to an error, omission, defect or deficiency in any test performed or an evaluation, consultation or advice given by or on behalf of any insured. AIX denied coverage for the underlying suit on the basis of the exclusion. H&W nevertheless contended that the exclusion was void as against Alabama public policy and that in any event, it did not apply to the allegation that it had failed to properly inspect plaintiff's tank.
Considering first the scope of the exclusion, the court rejected H&W's argument that the exclusion did not apply to allegations of negligent inspection. H&W argued that the literal terms of the exclusion applied only to testing, and did not include inspection, and that a distinction could be drawn between negligent testing and negligent inspection. The court concluded that there was no meaningful distinction between a test and an inspection, nor would a reasonable person understand these words to have different meanings.
Turning to the issue of public policy, H&W argued that because it was required under Alabama statutory law to maintain general liability insurance for its inspection services, it was improper for AIX to issue a policy with an inspection exclusion. The court rejected this argument, noting that the statutory requirement for insurance applied only to companies such as H&W, not to their insurers. The court concluded that the burden was on H&W to secure the proper coverage and that this burden could not be shifted on AIX to assume responsibility for H&W's mistake.


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Can you help? I have requested an FM system for my 13-year-old deaf daughter, who uses spoken language. The school is offering an oral interpreter/transliterater. I'm afraid that that would make her overly dependent, whereas an FM system would make her use her hearing.
The first question is whether this child has sufficient hearing to benefit from an FM system. If so, you should be aware that most FM systems are "one-on-one" between the teacher and the student. Given the importance of classroom discussions for a student at this age, the FM system preferably would be a sound field system which would allow her access to everything going on in the classroom. Once again, the question is whether the child has sufficient hearing to benefit from a sound field system.
There is no evidence that a transliterater is going to make this child "dependent" or in any way have negative consequences. This kind of argument is similar to one often made by speech-language pathologists, who argue that if young deaf children are forced to use their hearing they will benefit, whereas if they rely on a transliterater or sign language interpreter, they will essentially become lazy, and not use their hearing (or speech). There there is absolutely no evidence to support this view. The myth of sign language interfering with spoken language is just that, a myth, propagated by peple unfamiliar with the research literature. Transliteraters (often called oral interpreters) can provide a child with access to ongoing instruction and discussion in the classroom with no fear of the child becoming too lazy to utilize speech and hearing.
Unfortunately for your purposes, there is no evidence to indicate whether a transliterater or FM system would be generally preferable, and such decisions have to be made based on the individual child (e.g., does she have any attention deficits that would prevent her watching a transliterater?).
All of that said, I would expect that an FM system is far less expensive than employing a qualified transliterater, even assuming you can find one. Unless you have a highly-qualified transliterater, it's a very bad idea! All too often, school systems assume that almost anyone can do oral transliteration. Not so. Further, purchase of an FM system would mean that the equipment is in place for other students or this particular student, as she moves forward in school.
One more note: Frequent difficulties associated with the utilization of FM systems in the classroom include bad classroom acoustics, the teacher neglecting to ensure that the system is turned on, and failure to frequently test and maintain equipment. If all of these pitfalls are avoided, an FM system can be a wonderful tool.


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Crompton LED GU10 SMD 5W Dimmable Spotlight 50 degree Beam Warm White
The Crompton SMD range of LED GU10 spotlights are designed to be a high output energy efficient LED retrofit lamp. This 5W GU10 is equivalent to a 63W incandescent bulb emitting a warm white light with a high light output of 400 lumens so they are ideal for use in every room of your home.They have a wide light beam angle of 50 degree which means you need less lamps than a standard GU10. They have a 30 000 hour life are suitable for fire rated downlights and are dimmable with trailing edge dimmers.4 Year LED Manufacturer Warranty – terms apply.
Why shop at Electrical Showroom?
"The Electrical Showroom offer a large range of electrical products, lights and fixtures focusing on introducing products featuring the latest advances in technology, particularly in the LED market. Through our parent association we can offer high quality products from leading manufacturers within the UK, but at competitive prices." --- Electrical Showroom; More Details


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Keeping Up with the Kardashians Season Premiere: New BeginningsMatt Richenthal at . Updated at . Comments
Keeping Up with the Kardashians premiered Season 9 last night with a separation announcement, a new role for Kim Kardashian and, oh yeah… new hairstyles!
Yes, the opener got off to a fun, light-hearted start with Kim and Khloe showing off their fresh looks and the former declaring "Kim and I are into new vibes" and the latter adding:
"It's all about new beginnings."
It's almost as if these lines are scripted, considering how they serve as idea segues to all that comes next...
First, Scott takes issue with Kim and Kanye's new home, hilariously declaring that he's "gotta learn how to rap" in order to afford such a pad.
Apparently being a drunken douchebag just isn't pay enough of the bills for him.
Khloe, meanwhile, is open and honest about her problems with Lamar. She tells Kourtney during a drive to DASH that the "whole thing is very uncomfortable" because she knows she's being judged.
Cue the pair's arrival at their family store and the paparazzi asking Khloe about her marriage. Again, almost on cue. Amazing!
"I've been in hiding because I'm afraid of people," Khloé says. "I can't look at people in the eyes. And I'm not even the one who did anything."
We do feel bad for Khloe, who says she "can't have a conversation" with Lamar at the moment, a reason we now know can be attributed to the baller's drug use.
With Khloe determining she has to "move on" with her life, we then flash to Kris and Bruce having an equally difficult talk.
The lease was up on his Malibu rental, but when he tried to move home, Bruce didn't see much room for him there. Literally, in terms of where to put his stuff; and emotionally, in terms of his place in the marriage.
"We both seem to be doing better with our space," Bruce tells his wife of 23 years, who admits that the two are "better as friends than we are the other way."
Bruce emphasizes that "nobody's getting a divorce" in the family meeting, but that doesn't mean the news is easy for Kendall to process. She screams at them to just go ahead and split for good.
"We're trying to be really honest and our feelings are our feelings and they are feelings together," Kris explains. "We're just doing it our way."
The media runs with the story and causes Bruce to flip out at them a bit during a golf outing, while the family calls another meeting to ensure everyone is united.
Kim encourages the group to ignore what they cannot control (i.e. the tabloids) and to remain as one. It's a sentiment Bruce echoes when he says "the family is strong" and they "will survive"
Amen, BJ! Watch Keeping Up with the Kardashians online now to relive the action and let a dancing Khloe end this thing on a positive note:
Matt Richenthal is the Editor in Chief of TV Fanatic. Follow him on Twitter and on Google+.


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What: Franklin Point State Park Bird Walk
When: Saturday, December 30
Time: 8 – 10 a.m.
Where: Franklin Point State Park, Dent Road Entrance
Where: End of Dent Road, Shady Side, MD 20764
Admission: free
Info: 443-758-7797
Nature photographer and writer to lead bird walk at Franklin Point State Park
Dotty Holcomb Doherty, writer and nature photographer whose articles on birding and farming have appeared in the Bay Weekly and What's Up? Annapolis and Eastern Shore, will lead a bird walk with the West and Rhode Riverkeeper at Franklin Point State Park on Saturday, December 30, from 8 to 10 a.m.
The park trail runs about a mile and a half along the edge of a salt marsh, through meadows and pine forest, each area providing habitat for a variety of species, from song birds to geese and swans and even American Bald Eagles.
The program is free, but the group size is limited, so reservations are suggested. Reservations can be made by emailing Riverkeeper Jeff Holland at firstname.lastname@example.com or by calling 443-758-7797.
The entrance to Franklin Point State Park is located at the end of Dent Road off of Shady Side Road. The park is open year-round from dawn to dusk.


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Request received - loud & clear!
Returning you to where you were...
Buying a new car can be a desire for many people but that desire may not be easily fulfilled at time if people do not have enough money to buy a new car. Purchasing a vehicle can involve a significant amount of investment and not everyone has access to the required resources or funds to purchase the vehicle that they want. If you are someone who does not have access to the required finances for purchasing a new vehicle, you can always decide to purchase a pre-owned or used vehicle. If you still feel that you do not have the money needed to buy a used car of if you don't want to utilize your savings, you can always opt for a car loan to purchase the used vehicle of your choice.
There are many banks, financial institutions and auto dealers in Singapore that lend money to people for the purchase of used cars. The interest rates applied on the loan amount differs from one bank to the other. Some of the banks offer a separate loan product for used car loans while there are others that offer a single loan product for the purchase of both new and used cars. However, the loan amount offered and the rate of interest charged can be different for new and used vehicles. The terms and conditions for the loan also differ from one bank to the other.
The banks that offer used car loans in Singapore are listed below.
DBS Bank does not offer a separate loan product for the purchase of used vehicles and instead it offers one auto loan product that finances the purchase of both new and used vehicles. The maximum amount offered as loan is 60 percent for vehicles with open market value of $20,000 and below and 50 percent for vehicles with open market value of more than $20,000. In case of used vehicles, the bank determines the open market value of the vehicle based on its age, condition and other factors. To determine the value of vehicles older than 10 years, the bank utilizes a straight line value depreciation approach.
OCBC Bank offers a unique loan product for financing the purchase of pre-owned or used cars. You can avail up to 60 percent of the value of the vehicle as a loan. You will also enjoy a repayment period of up to 5 years. The loan comes with an attractive interest rate of 2.98 percent per annum. The best part is that, you can also transfer your existing used car loan to OCBC Bank and enjoy a variety of beneficial features in the process.
|Tenor of the Loan
|Rate of Interest
|Effective Rate of Interest
|1 year
|2.98 percent per annum
|6.46 percent per annum
|2 years
|2.98 percent per annum
|6.12 percent per annum
|3 years
|2.98 percent per annum
|5.98 percent per annum
|4 years
|2.98 percent per annum
|5.88 percent per annum
|5 years
|2.98 percent per annum
|5.81 percent per annum
You can either apply directly to OCBC Bank or you can apply through a dealer. You can call the hotline of the bank or leave your contact details on the website of the bank through the enquiry form and they will call you back.
Maybank, the Malaysia based banking giant, offers loans for the purchase of new as well as used vehicles. Through this loan, you can avail up to 60 percent of the market value of the vehicle as a loan. The tenor of the loan is very flexible and can be up to 5 years with an interest rate that can be as low as 3.25 percent.
|Age of the vehicle
|Margin of Finance
|Under 10 years
|Up to 60 percent of the value of the vehicle
|Up to 5 years
|Above 10 years but not more than 20 years
|Up to 60 percent of the value of the vehicle
Up to 5 years in case revalidated COE is 10 years
Up to 4 years in case revalidated COE is 5 years
Hong Leong Finance (HLF) offers a car loan for the purchase of used vehicles in Singapore and the loan amount offered can be up to 60 percent of the market value of the vehicle. You will get up to 5 years to pay off the loan amount and the application and approval process for the loan is very simple as well. The loan is available for the purchase of all pre-owned or used vehicles that are under 10 years old.
|Tenor of the Loan
|Rate of Interest
|Effective Rate of Interest
|1 year
|2.88 percent per annum
|6.25 percent per annum
|2 years
|2.88 percent per annum
|5.92 percent per annum
|3 years
|2.88 percent per annum
|5.78 percent per annum
|4 years
|2.88 percent per annum
|5.69 percent per annum
|5 years
|2.88 percent per annum
|5.62 percent per annum
You can use the EMI calculator present on our website to calculate the EMI for your used car loan. You will need to provide the Loan Amount, the Rate of Interest and the Loan tenor to calculate your EMI within no time. By calculating your EMIS, you can better plan your budget and ensure that the payments are made on time.
It is useful to know what is happening in general in the market for car loans. Normally you have two options as a customer when you want to apply for a used car loan: the first is to directly contact the dealer for the finance required to purchase the vehicle; the second is to apply for the loan independently from a bank or financial institution and and then go to the dealer to purchase the vehicle.
In the first case you will be dealing with a form of loan finalized by the dealer, which has entered into an agreement with one or more financial institutions to offer you with the financial support for purchasing the vehicle of your choice. In most cases, the dealer also receives a commission from the bank or financial institution as it provided them with more business. Hence, your overall cost of borrowing can be a little higher as the lender will also charge you for the commission paid to the dealer. If approved, the amount financed is paid directly by the lender to the dealer. Upon receipt of the sum the retailer is committed to delivering the vehicle, while the customer is committed to repaying the loan through installment payments to the lender institution.
In the second case, you apply for the loan with a bank and then the bank evaluates your application based on your financial condition and credit history. The bank will most likely not contact the dealer and will ask you to provide your sale documents and other documents related to the purchase of the vehicle. Based on the same, your loan application will be processed and if it is approved the loan amount will be credited to your bank account directly. In the next step, you can then pay the dealer with the loan amount and take possession of your vehicle.
In most cases, the interest rate charged for the purchase of a used car is higher than that charged for the purchase of a new car. This is because an used car loan is regarded as a high risk product by the bank. In case you default on your loan, there is a huge possibility that the value of the vehicle will depreciate dramatically within a short period of time. Hence, they charge a higher interest rate so that they can earn more money in a short period of time (during the tenor of the loan) and reduce their risk of lending.
Typically the approval for a car loan is not subject to the presentation of collateral (i.e. rights of lien or mortgage on property owned by the applicant).
However, in many cases the vehicle itself acts as collateral for the loan and in case the borrower is unable to pay off the loan amount the lender can take possession of the vehicle to recover the loan amount.
In many cases a guarantor may be required for the loan application to be approved and the signature of a joint debtor or a third party guarantor will be required on the loan application. A guarantor is mainly required when the applicant does not meet the income criteria or does not have a good credit history. In such cases, the banks might ask for additional guarantor security to approve the loan application.
The law states that a car loan agreement (both new car loans and used car loans) must contain the following elements:
The interruption of the repayment of the loan will result in immediate failure to comply with the loan agreement and the risk of unpleasant consequences:
Failure to make timely payment of even one installment authorizes Lending bank to unilaterally terminate the contract. The customer will be required to pay all bank charges as well as all costs incurred by the bank to recover the sums due, as well as a possible penalty.
Here are some of the factors that are utilized by the banks in evaluating car loan application:
Each Bank applies a policy of risk in the evaluation of the applications, based on the data that they receive (credit scores). This data constitute the tool that allows the Institute to keep insolvencies below a specified level.
Acceptance of applications is normally also subject to the assessment of the level of income of the applicant and the relationship between it and the installment amounts
Great importance is finally given to the creditworthiness of the applicant. Institutes are limited to estimate the level of risk associated with each request, on the basis of credit reports provided by the central credit bureaus.
If the applicant's credit history has some "flaws" (delays in repayments of previous loans, unpaid, etc.. ) the likelihood that the application is accepted is obviously lower.
In some cases, the bank can consider the loan application of a customer even if he or she has a bad credit history, provided that they have deposit accounts and prior relationship with the bank.
When choosing between used car loans offered by different banks, it is good to consider the overall cost of borrowing associated with loans offered by each of these banks, but not limited to the assessment of single monthly payment.
However, the transaction is sometimes not easy, as the items of expenditure associated with used car loans can be many (amount paid, interest, charges, any initial expenses, insurance costs) and are not easily measured in an immediate way.
In general, the elements that you should consider before signing a loan agreement are:
Volkswagen Singapore is preparing to implement technical software updates for the EA189 diesel engines that took center stage in the recent emission scandals.. Currently, 662 Tiguan 2.0 TDI, Caddy and Caddy Maxi vehicles in Singapore have been fitted with the EA189 diesel engines and contain a software that can identify a test bench environment and stimulate the engine to manipulate NOx emission levels during the test. Both the 2.0 and the 1.6 litre TDI engines are set to receive the software update to correct technical software flaws. Volkswagen Singapore is working actively with the National Environment Agency and the Land Transport Authority to make vehicles adhere to acceptable environmental standards.
10th November 2016
Drivers are buying used cars with the intent to work for private firms including Uber and Grab as claimed by car dealers in Singapore. Yong Lee Seng Motor, I-Deal Auto Trading and other car rental firms and private car hire firms have seen a significant rise in their sale of used cars compared to last year. Other used car dealers including 99 Motors Trading and Prime said that more drivers are buying used cars to drive for private car hire companies.
Furthermore, car rental companies such as Prime and Hawk Asia Pacific are also expanding their used car fleets. The question on everybody's minds now is whether the MAS's easing of loan curbs will have an effect towards the trend of higher used car purchase.
31st May 2016


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I am interested in studying nursing and was wondering if anyone can offer any advice or provide some feedback on their personal experience.
I have a completed bachelor degree (law) and was interested in applying for the Masters of Nursing at ECU, however as it is only offered at the start of the year and there is no guarantee of being awarded a place, I am wondering if it would be wiser just doing the extra year of undergrad study and starting mid-year this year rather than holding out for a place in the masters, not being awarded one, and then being effectively finishing a year later that I anticipated.
I would also be interested in hearing how people with young children (I have one kindy age and below) found arranging childcare during prac and any other issues they may have been confronted with.
Lastly, I love the idea of studying at ND, but the flexibility of doing online units with ECU and the fact it is much closer to home I think outweighs the reputation of ND (for me, anyway)...however, would be interested in hearing thoughts on this also - especially if there is a big difference in employment outcomes because, lets face it, after doing a law degree I can't afford to have two useless degrees!
Thanks :)


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What was assimilation?
The idea of assimilation had been around since the 1930s but was not adopted as an official government policy towards the Aboriginal peoples until the 1950s. It became official government policy in Australia not just for Aboriginal peoples, but for all foreign migrants as well. In the late 1940s, Australia was still a very 'British' country, 97 per cent of the population was Australian, or British-born. The National Anthem 'God Save The Queen' was still sung after films in the cinema. Anyone who came to Australia from abroad was expected to fit in with this culture - they were expected to assimilate. Aboriginal peoples and migrants were expected to give up their own heritage and adopt the culture of the majority.
Many people were scared of new cultures coming into Australia and diluting the 'Australian' culture. Since the early 1900s there had been a 'White Australia' policy when it came to immigration. Only white people from Europe (and preferably Britain or Ireland) were allowed to immigrate. People from elsewhere, especially Asia, found it incredibly difficult to move permanently to Australia. When people did migrate to Australia they were expected to leave their old way of life behind. See image 1
The same mindset was applied to the Indigenous population. Since the first white settlers had arrived in 1788 they had tried to impose their own values, customs and beliefs onto the Aboriginal peoples. When they were forced onto reserves from the 1850s onwards, their traditional way of life was eroded even further. They were not allowed to have Aboriginal names or continue their traditional customs. Then in the mid-20th century, as many were forced off the reserves and into towns and cities, they were expected to leave their beliefs and traditions behind them. The Aboriginal Protection Board said they had to develop from 'their former primitive state to the standards of the white man'.
In 1951 the Federal Minister for Territories, Paul Hasluck, actively pursued the policy of assimilation in reference to Aboriginal people as a way of improving their way of life. He, like many others before him, believed that they could improve their treatment and conditions, if they could be encouraged to be more 'white'. Assimilation for Aboriginal people was seen as a positive policy by many people - as were the policies of paternalism and protectionism. They 'were only trying to help'. See animation
Between 1911 and 1930 almost half of the reserve land in New South Wales was taken for white people. The Aboriginal people had been promised they could stay on that land forever, but it was taken away. And as assimilation became a key policy for the government, more and more Aboriginal people were forced off the reserves and into the towns and cities. Many Aboriginal people wanted to move to cities and find work - to get away from the control of the reserve manager or the local authority. But when they arrived in the cities they came up against racism and discrimination. Instead of being assimilated into 'white' society, they were shunned and ignored and were forced to live on the fringes of society in poverty and unemployment. In many rural areas segregation became widespread. Aboriginal people were barred from the hotels and bars, they could only use swimming pools at certain times and sit in certain places in cinemas.
Another aspect of the assimilation policy was the lack of right to citizenship. The Indigenous peoples of Australia were not recognised as citizens under the constitution until a referendum in 1967. Before the 1940s, Aboriginal people could not become citizens, but after the Second World War they could be counted as citizens if they applied for a certificate. By having a certificate, however, they had to give up all ties with theIndigenous community, including their families. In New South Wales it was known as an 'exemption' certificate; it exempted someone from being a person of Aboriginal descent. To be able to vote, to be able to move around with no restrictions, to be able to buy alcohol; basically to be able to make any sort of decision about their lives, Aboriginal people had to deny their heritage and their families. The government saw citizenship as a lure to make Aboriginal people assimilate. They promoted the certificates as a good thing and encouraged those who were 'civilised' enough to apply for them. Understandably these exemption certificates were looked upon with contempt by the majority of Aboriginal people who compared them to dog licences. 14 000 eligible Aboriginal people lived in New South Wales at the time, only 1500 certificates were ever issued.
'All Aborigines and part-Aborigines are expected to attain the same manner of living as other Australians and to live as members of a single Australian community enjoying the same rights and privileges, accepting the same responsibilities, observing the same customs and influenced by the same beliefs, hopes and loyalties as other Australians'.
Only four years later that definition had to be changed because it was clear that level of assimilation was not happening. There was not a 'single Australian community', nor was there likely to be. At the 1965 Native Welfare Conference, assimilation was re-defined as;


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- Visit the Aquarium
- Animals & Exhibits
- Fun & Learning
- Aquatic Research
|Arctic Watch Beluga Population Study
Mystic Aquarium partners with Arctic Watch Wilderness Lodge on Cunningham Inlet in Nunavut, Canada, to help protect the wild beluga whale population through research and education. A world-class beluga observation site located 500 miles north of the Arctic Circle, late Mystic Aquarium Scientist and Research Director Dr. David St. Aubin conducted research studies on belugas in Cunningham Inlet for many years. Since 1999, the climate has changed dramatically, allowing increased ship traffic in the Northwest Passage. No one knows how this affects the belugas and if the beluga population is growing, shrinking or stabilizing.
In July 2012, Mystic Aquarium's scientists spent two weeks at Arctic Watch to look at the feasibility for long term beluga studies in this area and initiate observations and collect data on the hundreds of wild belugas that make Cunningham Inlet their home for six weeks each year. Mystic Aquarium scientists hope to continue monitoring the beluga population over coming years while serving as a resource to Arctic Watch guests.
Mystic Aquarium scientists have also conducted research on wild belugas in Point Lay and Bristol Bay, Alaska, in order to determine the environment's effect on beluga health and compare health information with endangered beluga populations worldwide.
Arctic Watch is a one-of-a-kind, five-star, permanent wilderness resort that offers the most comfortable remote accommodations in the High Arctic and up-close view of belugas, muskox, a wide range of birds, Arctic foxes and hares, and other wildlife in their natural habitat.
We are accredited by:
|The mission of Mystic Aquarium is to inspire people to care for and protect our ocean planet through conservation, education, and research.
© 2008-2015, Sea Research Foundation, Inc. All Rights Reserved
55 Coogan Blvd., Mystic, CT 06355-1997 | email@example.com


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Welcome to the Kingdom of Caid Chirurgeon's website.
Here you will find information regarding the Chirurgeonate Guild. Whether you are a Warranted Chirurgeon submitting a report or an individual interested in volunteering in the Guild, please feel free to look around.
Kingdom Chirurgeon
Your Kingdom Chirurgeon is THL Una Logan
Chirurgeon Guild Mission Statement and Goals
Chirurgeonate Roster
Online & Printable Forms & Reports
Training & Practice Schedule
Monthly Newsletters & Articles
Caid Chirurgeons Yahoo Group (Requires approval)
Resources & Links
Chirurgeony in History
California Good Samaritan Act
Mission Statement and Goals
Mission Statement
Chirurgeons is responsible for overseeing first aid and health and safety issues of the populace of the Kingdom of Caid.
We promote trust and responsibility through our consistent presences and actions.
We are dedicated to the health and safety of the Kingdom of Caid and strive for excellence.
We inspire and motivate one another through effective communication and collaboration.
Comments, suggestions or updates regarding this site should be sent to the
Standard Disclaimer


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Support services
At Elim Housing we want to make a positive difference to the lives of the people we support. We recognise that we are all individuals and that one size does not fit all.
We have created a service which is designed to support your individual needs and is flexible enough to respond to those needs.
We want the focus to be on your aspirations for the future. By this, we mean that we concentrate on positives and support every person to overcome obstacles and barriers, to enable them to get to where they want to be.
We provide support in a number of different ways:
- One to one meetings
- Group meetings
- Skills for life workshops
- Through partnerships with other specialist agencies
- Over the phone
- Via e-mail
Our commitment to you
Elim's Support Services staff have all made the following commitment to the individuals they support:
- l I will speak to you as an equal and in a down to earth, honest way.
- l I will be a positive role model for you.
- l I will have belief and hope in you.
- l I will recognise your skills and encourage you to do things for yourself.
- l I will tell you about things that affect you. I realise that knowledge is power.
- l I will be approachable and take the time to value you and acknowledge you.
- l I will listen to you and respond to your views, your ideas and your opinions.
- l I will be honest with you. When I am not sure what is best then I will tell you and work with you to find a way forward.
- l I will be flexible to your changing needs. I won't set you up to fail.
- l I will be up front about any bad news and make sure you have support if you need it.
- l I will have a clear agenda for our meetings, but your agenda is just as important. I recognise that your time is valuable too.
- l I will always recognise your potential.
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MOUNT DORA — In his youth, influential fingerstyle guitarist Leo Kottke thought about becoming a radio announcer or following in the footsteps of print and TV journalist Martin Agronsky.
But when he was 12 he got mononucleosis and his mother got him a guitar.
Kottke, a regular on Garrison Keillor's "A Prairie Home Companion," will perform at 8 p.m. Saturday at the Mount Dora Community Building.


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As of 2015, a BankAmericard cardholder receives cash back rewards on all purchases and additional rewards on grocery and gasoline purchases of up to $1,500 per quarter. He has the option of crediting the cash reward towards future purchases or into a Bank Of America checking or savings account, states Bank of America.Continue Reading
There is a 1 percent cash back on all purchases. The reward on grocery store purchases is 2 percent and gasoline purchases is 3 percent up to a combined total of $1,500 every quarter. The rewards have no expiry date. If the cardholder makes purchases for at least $500 during the first 90 days of opening the account, he receives an online-exclusive $100 cash rewards bonus, according to Bank of America.
When the cardholder receives the rewards into a Bank of America checking or savings account, he receives at least a 10 percent bonus. If he is a preferred rewards client, he can increase the bonus up to 75 percent. There are three tiers of preferred rewards based on the three-month average combined balances in his banking, Merrill Edge and Merrill Lynch accounts. The gold tier requires a balance of $20,000 to $50,000 and provides a 25 percent rewards bonus, the platinum tier requires $50,000 to $100,000 and provides a 50 percent bonus, and the platinum honors tier requires over $100,000 and has a 75 percent, explains Bank of America.Learn more about Credit & Lending


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Forms SSA-3441, "Disability Report-Appeal," SSA-827 "Authorization to Disclose Information" and one of SSA-561 "Request for Reconsideration" or HA-501 "Request for Hearing by an Administrative Law Judge" are needed to appeal a Social Security disability denial, notes the Social Security Administration. Those wishing to appeal a Social Security disability denial can also do so online at the Social Security Administration website.Continue Reading
People who have had their disability claims denied can appeal the decision in two ways, notes the Social Security Administration. They can request that the department reconsider their claim or they can request that they go before a judge in a hearing to appeal the decision. If the disability claim was denied due to medical reasons, the Social Security Administration allows people to appeal the decision online.Learn more about Social Services


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Lesson 1 (from Chapters 1-7)
Chapters 1-7
What is the setting for Matched? The objective of this lesson is to explore the local color of the Matched setting and its impact on its residents.
1) Class Discussion: What does the author reveal about life in the Matched setting in this book? What image does the reader have of the Matched setting? What is the time period for the book? What does the author insert into the book that could have only happened in the Matched setting during this time period? What are some specific points, cultural events, landmarks, etc. that mark the location as the Matched setting?
2) Class Discussion: Lead the class in a discussion about local color. Begin with a definition and ask the class to validate their understanding by offering examples from the book. How is regionalism exhibited in language, interpersonal dynamics, and clothing? What other elements can the...
This section contains 7,672 words
(approx. 26 pages at 300 words per page)


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Jack White Doubles Down on Black Keys Beef, Then Apologizes [Updated]
Let's all try to get along.
First, for those who forgot what Jack White's beef with the Black Keys is about: Last summer, TMZ obtained an email White sent to his ex-wife, Karen Elson, demanding that their kids be taken out of the Nashville private school they attend with the kids of the Black Keys' Dan Auerbach. According to White, the situation gave Auerbach "yet another free reign to follow me around and copy me and push himself into my world." Earlier this month, Auerbach said that he "didn't know" White and found his anger "extra-unexpected," while Black Keys drummer Patrick Carney said that he "actually [feels] embarrassed" for White. Now, rather than let the whole thing die, White has once again insulted the band, this time in an interview with Rolling Stone.
"There are kids at school who dress like everybody else, because they don't know what to do, and there are musicians like that, too. I'll hear TV commercials where the music's ripping off sounds of mine, to the point I think it's me. Half the time, it's the Black Keys," White said. "The other half, it's a sound-alike song because they couldn't license one of mine. There's a whole world that's totally fine with the watered-down version of the original." To underscore his point while dragging some other musicians into the matter, he added:
"Some people will hear that and say 'Oh, Jack White thinks he's the first person to play the blues.' But certain acts open up a market for a certain style. Amy Winehouse: Did she invent white soul? Wearing a beehive? No. But she did something brand new and fresh, altogether as a package, and you see who's in her wake, from the Duffys to the Lana Del Reys," he says. "Adele selling 20 million records? That would not have happened if Amy Winehouse was alive. The White Stripes did the same thing, and in our absence, you're gonna find someone to fill that. And you get a band like the Black Keys, who said they never heard of the White Stripes? Sure."
Now it's up to the Black Keys to respond, though it seems pretty clear that the best thing for them to do would be to say nothing.
Update: White has posted a long "apology and explanation" to his website. In addition to wishing the Black Keys "all the success that they can get" and calling Duffy, Lana Del Rey, and Adele "wonderful performers with amazing voices," he wrote that he was sorry for mentioning that he and Meg White barely speak anymore. "This got blown out of proportion and made into headlines, and somehow I looked like I was picking on her," White explained. I would never publicly do that to someone I love so dearly." There you have it.


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An Enduring Friendship
Seclusion was never a hallmark of the Jewish community in Turkey, as can be seen once again in a comprehensive new book by historian Yaron Ben-Naeh.
"Kehilot Israel Bamizrach Bameot Ha-19 Veha-20: Turkiya" ("Jewish Communities in the East in the 19th and 20th Centuries: Turkey" ), edited by Yaron Ben-Naeh, Ben Zvi Institute and the Education Ministry, 314 pages (in Hebrew )
Much false resentment and manipulation of hatred have been evident lately between Turkey - the country considered to be the "heir" of the Ottoman Empire - and the country that is considered to represent the Jewish people. The latter are actually the very same people over whom the Ottoman Empire spread its protective wings, time after time, in times of trouble: first in the period that followed the Spanish Inquisition, when Sultan Bayezid II opened the gates of his kingdom to a people that suddenly found itself without a homeland. And once again, during World War II, when Turkey turned a blind eye and allowed a steady stream of European survivors to pass through it en route to Palestine.
In other words, the friendship between the Turkish and Jewish nations is firm and longstanding, and that is not simply words but a historical fact. For those requiring proof, here is a comprehensive new book that is intended to introduce the reader to the history of Jewish life in Turkey during recent centuries, from a variety of perspectives.
The book's editor, Hebrew University historian Dr. Yaron Ben-Naeh, got a hole in one (in my view ) with a revolutionary article that he wrote about homosexual practices among Jews in the Ottoman Empire, in which he described the tolerance for such phenomena on the part of the community's rabbis - who ostensibly ought to have censured them vehemently.
Since then Ben-Naeh has enlightened us in other articles about other matters, and in a thick book about the Jews of the Ottoman Empire in the 17th century entitled, "Yehudim Bemamlechet Hasultanim" ("Jews in the Realm of the Sultan," Magnes Press, 2006 ). In it he describes the mutual social and religious relations between the Jews and their surroundings in a tolerant kingdom that allowed them to exist and develop within an autonomous framework that was always open to the outside world. Seclusion was never a hallmark of this Jewry.
In the 19th and 20th centuries, the period covered in the new book, Turkish Jewry was exposed, slowly at first, and then at an accelerated pace, to modernism, secularism, nationalism and to the innovative arts - from dance and theater to cinema. There was never any explosive or blood-soaked revolutions here: Turkey's Jews knew to keep their heads down when necessary, and during the collapse of the Ottoman Empire and founding of the republic, they also knew to bet on the right side. But in any event, one does not find extremism of any kind in the community's history, nor sharp transitions or overly fierce rebellions against tradition, but rather, mainly, evolutionary processes and slow change - and plenty of tolerance, from every direction, albeit not without arguments and fights.
Indeed, there were debates surrounding education - whether Turkish, French, Jewish, or any combination thereof. This is the subject of the chapter written by Yaron Ben-Naeh. There were also conflicts between Jewish newspapers over the issue of Zionism versus assimilation (the subject of a chapter by Moshe Maggid ). One fascinating chapter in the book deals with the Sabbatean believers, whose ancestors converted to Islam along with Shabtai Tzvi, and who to this day observe traditions of their own that are shrouded in mystery.
So multifaceted was Turkish Jewry, and so impossible to describe fully, that I can attest firsthand, for example, that the history of my own family - one whose roots in Istanbul go back for generations - does not actually correspond to any of the categories in the book. Was my family in fact "Eastern"? "Turkish"? It was certainly Jewish, but according to a rather broad and vague definition of Judaism. For example, I can just see my parents and grandparents guffawing were someone to say they were fond of Turkish-Jewish folk music, liturgy or poetry, a subject which musicologist Edwin Seroussi expounds on with tremendous erudition in the book. In fact, music, in their eyes, and in the eyes of all their relatives and members of their circle, meant solely Western classical music.
Ben-Naeh's book outlines general phenomena and historical models. It cannot and does not presume to take in individual nuances. Nevertheless, this is a heartwarming and informative work, which provides, on the margins of every page, concise information about people, phenomena and terms of import to anyone interested in the subject. For instance (completely at random, on page 67 ) there are a few lines about Rabbi Dr. David Marcus, the Ashkenazi rabbi of Istanbul, a liberal and enlightened man - and grandfather of the senior correspondent for Haaretz, Yoel Marcus.
Rare photographs, from family and public archives, give the book a nostalgic air, for what appears there is a world that is gone forever. It is safe to assume that Jewish homes no longer serve jam as a refreshment in a "tabela di dulsi," and many of the synagogues featured in the old photos are not active or no longer exist. But documentation still exists because Turkish Jewry was lucky to have one precious gift that not many other communities in the world had: continuous habitation from the late Middle Ages to this day, which was made possible due to Turkish society's tolerance toward the Jews, and to the Jews' efforts to avoid making themselves loathsome to their environment by annoying separatism.
These days, however, the coexistence described in the book before us is under threat. But better days are still to come, and we shall yet exchange with each other the almond candies that we Jews call "confetti di disposario."
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- Product Info
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Davis Weather 6475 Temperature Probe Air, Soil or Water
We Think YOU Should Know
- Genuine Australian Swann 1 Year Warranty
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- Temperature Probe Air, Soil or Water (with RJ Connector)
- Multi-purpose Temperature probe with 64mm long stainless steal housing.
- Use to measure temperature of Air, Soil or Water.
- Use with Weather Envoy, Envoy 8x and Anemometer Sensor Transmitter Kit
- Includes 7.6m of cable
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