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Here's a myth: a box of baking soda keeps a refrigerator smelling fresh. Maybe that's the case for some people, like New Yorkers who eat out most of the time or families that, well, clean their refrigerator. Our house has three teenage kids and two working parents. We don't have the time to clean our refrigerator. It really smells. That's because if the food doesn't get eaten; it usually just crawls away on its own. A pallet of baking soda wouldn't make much of a difference.
But we got used to the smell. It was the clanking that got our attention. The sound was ominous. It told us that, after ten years of loyal service, our fridge was reaching the end of its well lived life. So about a year ago, we decided it was time to replace it with a new fridge.
Sears sells refrigerators and home appliances. And a lot of other great stuff too. My house sits almost equidistant between two Sears stores too. Sears is certainly a trusted name brand. The chain's been around for a hundred years. But did we buy our new fridge from them?
Nope. We bought from Jake's Appliances instead. We never really considered Sears. Jake's (real store, different name) is just better. Whenever I see news that big retailers like Sears are closing down stores or that Best Buy is having a "tough" holiday season, I think about Jake. He runs a small retail business. And, although there's room for improvement, he's figured out how to do brick-and-mortar retail in an online world.
We bought from Jake's because we knew that Jake's sells fridges. We knew this because we get mailers from Jake's. We see ads for them on our local TV stations and local newspapers. I frequently find myself driving by Jake's too, because the store is located on a busy road near me. Oh, and we know others that have bought from Jake's and recommended them to us. Jake's has a buzz. Not a Kim Kardashian-breaking-up-with-Kris-Humphries buzz. But they're out there.
Sears has no buzz. I don't know anyone who shops there. And if they are shopping there, no one seems to be talking about them. If I look hard I bet I'll see that they're spending a lot on advertising. But that's the thing: I have to look hard. I don't seem to see their name in places that I'm at. I don't drive by their stores. I don't even drive by a billboard for their stores. I don't seem to see their name on websites I visit, newspapers I read or TV shows I watch. I don't think about them at all.
To get people into a retail store, the right kind of marketing and advertising is crucial. Sears needs to improve. I know this from years of experience and because I watch Mad Men.
Sears' marketing has failed to get my attention. Jake's, a store 1/1000th of their size has done a better job. They've mixed up local online, TV and print campaigns. They've generated word of mouth. Their marketing succeeded in making me to think of them first when it came time to buy a new refrigerator. Of course there was still more work to do. But they do a much better job than Sears.
I walked through a Sears at one of our largest shopping malls a few years ago, only to pass through it on the way to the Cinnabon which was located nearby. My recollection: it pretty much looked like when my mom dragged me there to buy a new TV set...to watch Laverne & Shirley on Tuesday nights. Get it? Sears was the same, tired old place. Apparently, I'm not alone with this impression. Sear's CEO Lou D'Ambrosio, a smart and capable guy, is saying the same thing. That's because if anyone's learned anything from Apple and Starbucks it's that retail stores need to be cozy and attractive places to visit. If I wanted to visit a run-down, tired-looking, less-than-clean place with appliances I'd visit my own kitchen.
Jake's store, by comparison, was much smaller and also much nicer. They provided coffee to customers. They had sitting areas for old people and bored husbands. The lighting was warm There were many appliances on display. And many others to be perused via computer and catalog. It's kind of tough to make a room full of refrigerators and ovens appealing to a guy over the age of...well...ten. But Jake's was better than average. In 2012, retailers have to invest in making their space attractive. It's why we see strip malls replacing their old facades with a more modern look. It's why supermarkets spend millions to constantly reconfigure their stores so that we actually think that bottle of salad dressing is "fresh and natural" just because it's now positioned in the vegetables section (hint: it's still the same old salad dressing, just in a different place).
Jake's beats Sears on marketing and appearance. But that's not the biggest reason why we bought there. And it wasn't price. Everyone thinks it's price. But it's really not. Sure, the price of stuff has to be in the ballpark. But the biggest reason we bought from Jake's was because of service. And that's the magic pill for big retailers like Sears, Best Buy and others. Service in the store, in the home, and on the web is how retailers like Jake's survive and profit.
Unlike most retailers I visit where the average 14-year old salesperson knows more about her iPhone than the store's products, the sales guys at Jake's were older and more experienced. And way more mature than me. Because if I was stuck inside of a show room selling microwave ovens to impatient and know-it-all customers (like me) all day I would surely open my veins the next time I took a bath. But these guys seemed OK with the job. I'm thinking that Jake pays his guys a little more. Offers them a long term employment opportunity. Provides a little training. And Jake himself is always around, keeping an eye on things. The attention we received inside of Jake's was respectful and knowledgeable. We weren't a distraction from "Angry Birds." We weren't getting blank stares. Smart business owners invest in good people.
And they invest in technology. Because in 2012 a brick-and-mortar business just isn't enough. Consumers like me expect an online presence. Staples does a great job at this - I can order in their store or on their website and it's the same experience (along with next day delivery too). I get emails from them all the time with coupons. I can check my order history online. I get extra discounts based on my purchase history. I can read customer reviews of products on their site and do more research on larger purchases.
The fact is that Sears does this...really well. Way better than Jake's. Their website has good search engine optimization (type in "refrigerator" in Google and Sears' website appears at the top). heir site has all the stuff I mentioned above and it's easy to arrange for installation too. I've never purchased a $1,000 item from a website before. And I've never purchased from Sears' website. It seems like buying it on Sears' website is easy to do. But my question is: what about AFTER I click on the "buy" button?
Successful retailers get that technology is more important for AFTER the sales then before. If I'm spending a thousand bucks on something online I need to feel comfortable that shortly after I click on "buy" I'm hearing from a human being who personally takes responsibility for....me. Not someone in a call center near Fargo. And after the product is delivered good retailers will use technology to keep that customer in their community. If I were to purchase a new fridge from Sears do I continue to get emails from Sears a month later? A year later? Like...advice for getting the best use of my fridge? Or safety updates? Maybe a few accessories that might be of interest? Is this all being managed on their website? (hey Sears: Jake's isn't doing this either...but I bet he will).
I bought my fridge at Jake's because his marketing got my attention, his store was inviting, his salesperson spent more time with me than with his iPhone, and of course his pricing was competitive. I would do the same at Sears if they could promise the same. And I would keep coming back to them if their technology was used in a way to keep me up to date, informed and interested in their other products and services. Getting rid of the odor from my son's two-week old pizza would help too.
This is how small brick-and-mortar retailers can succeed in an online world. And the big guys too.
Another version of this post appears on The Philly Post.


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Set Sail With The Captain
"My crewmate, you've arrived! Whether it's treasure or adventure you seek, you'll find plenty of both with me.
The best place to start is with our selection of famous craft E-liquids."
Providing consistent levels of excellence…
Everything is mixed by hand and in small batches. As you'll see on our bottles, all numbers match and our batches generally consist of 500 – 1000 bottles per lot. We've invested a lot of time into getting our flavours right. Not only do we believe that they taste great, they will also be sailing through the upcoming TPD regulations. We're perfectionists and refuse to allow any liquid to leave our facility before it's absolutely perfect. But don't take our word for it, have a go yourself and tell us which flavour is the favourite amongst your crew.
Our flavour development process…
All of our liquids are meticulously crafted, we strive to ensure that all the ingredients used are not only of the highest possible quality but are fully traceable and provided with individual certificates of analysis.
We work closely with dedicated flavorists, toxicologists and risk assessors to ensure that our products taste great, work as intended and remain on the market long after the tobacco products directive takes effect.
If you are unsure about how the TPD will effect you, get in touch now and speak with one of our crew members. We welcome any questions regarding our flavour development and testing methodologies.

subset: commoncrawl


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Eugene Sheffer Crossword July 2 2018 Answers
Check out the answers for Eugene Sheffer Crossword July 2 2018 Answers. We share the answers and solutions for every crossword daily. Our staff has just finished solving today's Eugene Sheffer Crossword puzzle and has just posted the crossword clues below. While some of them were simple and quick to solve, there were some other crossword clues that were very difficult that is why we decided to share all the Thomas Joseph Crossword Solutions with you below. In case somethingRead more


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The Key Tech Hospitality Trends for 2018
Technology continues to play a big role in the hospitality industry. Customers expect modern, fast and efficient service, while the hospitality industry looks to technology to create slicker, faster and easier ways of doing things. In the world of hotels, it is especially prevalent. In 2018, there is a greater emphasis than ever on using technology to enhance guests' experiences. Here are just a few tech trends that you can


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WASHINGTON -- Led by former CBS anchorman Walter Cronkite, members of the media accused the Pentagon yesterday of waging war in the Persian Gulf on the freedom of the press.
Limiting coverage of combat units to small groups of reporters overseen by military escorts who can censor and delay reports has "trampled on the public's right to know," Mr. Cronkite said at a hearing of the Senate's Governmental Affairs Committee.
"It is only the lightest form of exaggeration to suggest that the U.S. military is also at war in the Persian Gulf with the news media," said Cragg Hines, a Houston Chronicle reporter who just returned from Saudi Arabia.


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Montreal Mayor Denis Coderre condemned the actions of hundreds of protesting firefighters, police officers and other municipal employees who set a fire in the street and later hosed down city hall Tuesday, calling their actions irresponsible and unacceptable.
Montreal Mayor Denis Coderre denounces unruly protest at city hall
Montreal Mayor Denis Coderre condemned the actions of hundreds of protesting firefighters, police officers and other municipal employees who set a fire in the street and later hosed down city hall Tuesday, calling their actions irresponsible and unacceptable.
"People have the right to protest, they have the right to be in disagreement, but never will I accept the right of unions to do what they did yesterday," Coderre said during the Wednesday morning meeting of the city's executive committee.
"First, to make a fire is a misdeed. On top of that, it was the firefighter and police unions that were burning garbage, not just 50 hats and some uniforms. … Imagine, people see that. It's completely irresponsible and unacceptable."
Coderre also criticized the fact city equipment, including police vehicles and fire trucks, were used to block roadways and spray down city hall as part of union protests. He called on the unions to stop those types of actions, and opened the door to city reprisals, noting that unions are bound by their collective agreements and the city would apply them.
The union members were protesting the Liberal government's recently tabled Bill 3 that calls for municipal unions to renegotiate their pension plan agreements so employees will have to pay for a portion of their plan deficits, which total $3.9 billion in Quebec, according to the Liberal government. Coderre said Wednesday that Montreal's annual costs to cover pension payments went from $130 million in 2002 to $597 million last year, putting an unfair burden on taxpayers to cover union pensions.
The bill will be debated before a parliamentary commission this summer, Coderre said. Unions can use that forum to negotiate and present their suggestions.
Union officials have denounced municipalities' offers to negotiate as a charade, saying the elements of Bill 3 have already predetermined their outcome because it calls on unions to foot part of the bill for pension deficits.
"All they see as negotiations is a period of time. We already know the conclusions," Marc Ranger told Presse Canadienne. Ranger is spokesman for the Coalition syndicale pour la libre négotiation, an umbrella group representing 65,000 municipal workers in the province overseen by the Canadian Union of Public Employees (CUPE). They accuse municipal affairs minister Pierre Moreau of bowing to the wishes of municipalities.
He acknowledged that union members went too far Tuesday, but said their actions were spurred by anger over an unjust law, and promised further disruptions are to come.
Twitter: renebruemmer


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Chocolate Buttercream Cherry Candies
Makes about 4 dozen candies. Recipe is from Hershey's.
48 maraschino cherries, with stems, drained
1/4 cup butter, softened
2 cups powdered sugar
1/4 cup cocoa
1 to 2 tbls. milk, divided
1/2 tsp. vanilla extract
1/4 tsp. almond extract
White Chip Coating
Chocolate Chip Drizzle
1. Cover tray with wax paper. Lightly press cherries between layers of paper towels to remove excess moisture.
2. Beat butter, powdered sugar, cocoa and 1 tablespoon milk in a small bowl until well blended. Stir in vanilla and almond extract. If necessary, add remaining milk, one teaspoonful at a time, until mixture will hold together but is not wet.
3. Mold scant teaspoonfuls of mixture around each cherry, covering completely. Place on prepared tray. Cover and refrigerate 3 hours or until firm.
4. Prepare White Chip Coating then, holding each cherry by the stem, dip into coating. Place on tray and refrigerate until firm.
5. About 1 hour before serving, prepare Chocolate Chip Drizzle. With the tines of a fork, drizzle randomly over candies. Refrigerate until drizzle is firm. Store in refrigerator.
White Chip Coating
1 (12-oz.) pkg. white chocolate chips
2 tbls. vegetable oil
Place chips and oil in a microwave-safe bowl. Microwave at medium for 1 minute, stir until chips are melted and mixture is smooth. If necessary, microwave at medium in 15-second intervals, stirring after each, until chips are melted and mixture is smooth. If mixture thickens while coating, microwave for 15 seconds and stir until smooth.
Chocolate Chip Drizzle
1/4 cup dark chocolate chips or semisweet chips
1/4 tsp. shortening, do not use butter, margarine, oil or spreads
Place chips and shortening in a microwave-safe bowl. Microwave at medium for 30 seconds to 1 minute. Stir until chips are melted and mixture is smooth.


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Corporate Outreach
Natus is proud to support our communities and promote family health worldwide. Learn more about our global affiliations with humanitarian organizations around the world:
|Natus is pleased to provide an opportunity for non-profit hospitals in the United States caring for newborn babies to receive refurbished devices at no charge. 6 US facilities were chosen as recipients of our 2014 Neonatal Products Grant.
|Special Olympics Healthy Hearing Program
|Global Outreach - supporting healthcare facilities around the world
|Hospital & Community Universal Newborn Hearing Screening Program - Nigeria


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Words containing gighopa
Found 1 words containing gighopa. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words that contain gighopa. Or use our Unscramble word solver to find your best possible play! Related: Words that end in gighopa
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"There can be no keener revelation of a society's soul than the way in which it treats its children." - Nelson Mandela
The Australian Early Development Census (AEDC) shows that 1 in 5 children are developmentally vulnerable on one or more domain(s). Good programs at critical points in development are able to shape children's outcomes across five domains (AEDC).
Early childhood educators play a vital role in reducing vulnerabilities in children. Attending this workshop will enable educators to understand disadvantage and how this impacts on a child's development as well as behaviour, relationships and participation.
This valuable workshop is designed to equip educators with positive engagement strategies and program ideas to support vulnerable children and their families.
 Session Code: COM1815290-2 Date: Mon, 7 May 2018 Time: 9:30am - 3:30pm
Venue: Community Early Learning Australia
            Building 21
            142 Addison Road
Training provided by: CELA


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Personal bankruptcy filings fell from more than 1.5 million in 2010 to 770,846 last year. The publication acknowledges that several factors have contributed to the decline, particularly 2005 changes in bankruptcy law that made personal bankruptcy harder and more costly to file and the general improvement in the economy since 2008. But its experts "almost all agreed that expanded health coverage played a major role in the marked, recent decline."
Tag Archives: Personal Bankruptcy
Black Hawk School financial review finds former principal Kenya Walker, staff didn't follow rules
A State Journal review of public documents shows Walker filed for a voluntary Chapter 13 personal bankruptcy on Feb. 27 in US Bankruptcy Court in the Northern District of Illinois in Chicago. Court records also show she was evicted from her Downtown Madison apartment in 2015, with the school district ordered by the court in May 2016 to garnish her wages for payment of $8,550 in rent and damages to Park Place Apartments, 212 N. Bassett St.
Updates on state and federal health care reform
The Division of Insurance announced(www.colorado.gov/pacific/dora/news/division-insurance-announces-deadline-health-insurance-companies) recently that the deadlines for filing, review, and approval is a little different from previous years. Because of the uncertainty at the federal level around the individual market, the 2018 filings are due June 19. They will be made public July 14, and finalization will come in late summer or early fall.
Nearly lost in all the attention focused on the vote in the US House, was encouraging news reported by Consumer Reports on the positive impact the Affordable Care Act has had on personal bankruptcies. The number of bankruptcies across the country has been cut in half after the law took effect, demonstrating the impact medical expenses have on personal budgets. The Colorado Health Access Survey supports those findings. That report noted that personal bankruptcy filings in Colorado numbered 104,000 in 2013 (before the Affordable Care Act took full effect) and dropped to 45,000 by 2015, when the law was fully adopted.
We continue to work with our representatives at the state and federal level to protect the health coverage of all Coloradans and find solutions to the challenge of increasing access, affordability and choice.
Linda Gann is the senior manager, Western Slope Region, for Connect for Health Colorado.
Harvard President's Innovation Challenge creates answers to future needs
A new test that helps people confirm that they've taken a life-saving HIV drug, a nonprofit that helps people navigate personal bankruptcy, and a venture working to accelerate artificial intelligence were the big winners in Tuesday's President's Innovation Challenge awards ceremony at the Harvard Innovation Labs.
President Drew Faust awarded each of the three student ventures, UrSure, Upsolve, and Lightmatter, with $75,000 in prize money to help transform their innovative ideas into real, world-changing ventures.
"Your aspirations are so exciting because they are bold, they are risk-taking, and they are devoted to imagining the world as a better place — fairer, healthier, safer," said Faust in her introduction. "It is so inspiring to see what you are trying to accomplish, for young children, for people who have found themselves in financial distress, for women who need health care, for a whole range of different problems that we've seen addressed in these proposals.
"I look forward to seeing in the future how all of you, winners and those of who aren't winners today, continue to pursue their goals," Faust added. "And I look forward to seeing these proposals turn into things I'm reading about in the news or seeing in stores or hearing about around the world."
The President's Innovation Challenge is open to any Harvard student from any School. This year, 440 student teams submitted declarations of interest, a record 200 teams entered business plans in the competition, and 15 finalists were selected in March. All 15 finalists gave elevator pitches for their companies at the ceremony.
Harvard Innovation Labs Managing Director Jodi Goldstein said she was proud that all 12Harvard Schools were represented among the applicants, reflecting the spirit of President Faust's One Harvard initiative. "In fact, half of our finalist teams contain a mix of teammates from different Schools," she said.
The winners split $310,000 in prizes in three categories: Health or Life Sciences; Social Impact or Cultural Enterprise; and a new Open Track. Three runners-up, which received $25,000 prizes, were Jane Diagnostics, a venture developing molecular diagnostic devices for point-of-care screening of HPV; C16, which uses synthetic biology to create environmentally conscious palm oil; and Aircrew, a maker of advanced air-purification systems.
Based on voting by the audience, an inaugural Crowd Favorite prize of $10,000 was awarded to one other team: Two Rabbits, a venture bringing culturally adapted curricula and teachingto schools at the margins of society.
UrSure's CEO and founder Giffin Daughtridge, whose venture received The Bertarelli Foundation $75,000 grand prize, said, "This is an absolute game-changer for us."
"We had enough funding to get through the next couple of months, but this will help us accelerate our timeline," said Daughtridge, who is about to receive dual degrees in medicine from the University of Pennsylvania and a master's in public policy from the Harvard Kennedy School of Government.
Upsolve CEO Rohan Pavuluri, whose team won the Social Impact or Cultural Enterprise grand prize, said, "The beauty of startups is that they are an outlet to make a change in the world. You can choose any problem you want and start working on it.
"We are so happy to win," he added. "But now we have more work to do."
The President's Innovation Challenge underwent some significant changes in its sixth year, merging what previously had been two separate challenges: one in which the prizes were selected by Harvard's deans in categories such as health and life sciences, cultural entrepreneurship, and sports, and a separate President's Challenge that invited students to create early stage ventures to solve specific global problems. Additionally, a new Open Track was created this year, allowing for greater diversity of student ventures entering ideas that defy easy categorization.
"This is validation that we have a good idea and that we should keep going forward with our business," said Open category winner Lightmatter's Nicholas Harris. "It's really raised our energy, and we are going to try to raise money this summer to make Lightmatter a real thing. This money is going to help make that happen."
"By empowering these students as they go through the experience of building a venture, we are unlocking the personal potential that other types of endeavors tend not to," Goldstein said, "That's why this competition exists. Because people who otherwise wouldn't have participated in the entrepreneurial process can build, learn, fail, and grow.
"It's an important distinction," she added. "This isn't just a business plan competition. We aren't just evaluating the business potential of these teams. It's about the students and the realization of their potential for impact."
Bankrupt by cancer
The issue: Cancer patients canface crippling financial hardship, forcing some into bankruptcy. Solutions: All provinces should cover the cost of expensive out-of-hospital cancer drugs; government benefit programs should better respond to cancer patients' needs.
Monica Pope probably didn't need to be told the breast cancer that doctors diagnosed in 2014 was aggressive: one day she suddenly saw the tumour pressing up from under her skin.
What followed was the full traumatic panoply of cancer treatment, including three surgeries, chemotherapy and radiation.
But that was not all. Complications from surgery mean Pope, 51, has been unable to work at her technical sales job the past 34 months and now must find a new occupation. Even when her workplace disability finally kicked in after 19 weeks, it paid the single woman $23,000 less than her annual salary.
Add in expenses like drugs and hospital parking, and last year Pope felt forced to take drastic action. In a country that prides itself on looking after the sick, no matter their ability to pay, she declared personal bankruptcy because of cancer.
"People will deal with different stresses, they will have financial stress or problems with health," says the southern Ontario resident. "When you throw everything together all at once, there comes a point where you say 'I just can't do it any more.' You need to be able to breathe."
Ending up in bankruptcy because of disease sounds like a quintessentially American problem, and it is undoubtedly more common in the US
Yet interviews with patients, and a growing body of research confirm that having cancer in Canada is not just a life-threatening burden, but often a financial disaster, too.
Prolonged loss of income and cancer-related costs –from drugs to travel expenses –can combine to have a devastatingeffect on patients already in the health struggle of their lives.
About one in six bankruptcies that trustee Hoyes Michalos handles involve health problems, many cancer-related, said co-owner Doug Hoyes.
"It's a huge issue," says Gabriel Miller of the Canadian Cancer Society. "For middle-class Canadians and working-class Canadians, a cancer diagnosis is like standing on thin ice, and you only hope you can get back to work and cover your bills before you go under."
To keep from sinking, some patients drain retirement savings, re-mortgage homes or end up on welfare.
Making the ordeal more challenging is a historic shift to people undergoing cancer drug treatment at home rather than in hospital. For more than half the country, that means patients themselves have to pay the often sky-high price of medications.
Patients and their advocates also complain that federal and provincial income replacement programs are woefully inadequate for people faced with months or years off work because of disease.
The system was designed in a different era, when being diagnosed with cancer inevitably meant a drastically curtailed life expectancy; now many patients can live long lives after treatment, often returning to work, notes Miller.
"Those (government) benefits just expire too soon for a lot of people," he said.
The situation can be even more precarious for self-employed Canadians — people like Lawrence.
He was already feeling the pinch after being off work as a Toronto real estate agent because of a perforated ulcer. Then the 56-year-old was rocked by a stomach-cancer diagnosis in December 2015, leading to surgery that removed 60 per cent of his stomach and his gall bladder. "I was gutted," he says.
So were his finances. Lawrence thought the disability insurance he had been paying into for decades would fill the gap, but the insurance company refused to honour his policy, pointing to an alleged pre-existing condition.
Earlier this year, he, too, filed for personal bankruptcy.
"It's something I'm not proud of, something I never thought I'd do. I've always been a proud, stand-up individual," says Lawrence, who asked that his last name not be published. "But I had no alternative … You're not bringing in income, bills are mounting, (creditors) are not compassionate and understanding. They want their money."
He and other Canadians do, of course, receive actual oncology treatment, mostly without charge. Beyond that, cancer patients are largely on their own.
Two of every five end up off work for at least six months, according to a 2012 survey by the Canadian Partnership Against Cancer.Even 60 per cent of their caregivers either have to cut work hours or quit outright, estimated a Lung Cancer Canada survey.
Overall, a 2010 McMaster University study estimated that Canadian patients' families see incomes plummet 26 per cent – $3 billion in wages lost every year because someone got cancer.
Perhaps the most unfortunate among them are parents of sick children, who must be at the patient's side throughout treatment, and lose an average of $26,000, according to another McMaster study.
They include Vancouver's Patrick Sullivan. When his son, Finn, a twin, was diagnosed with a rare muscle cancer in early 2007, the 21-month-old was prescribed a special type of radiation treatment available only in the United States.
The BC government covered the cost of the therapy, but the family had to travel to Boston and stay there for two months on theirown dime. Tragically, the treatment failed to halt Finn's malignancy, and he died several months later.
Patrick and his wife are both lawyers, and his partners paid him an advance during those months off work. Relatives also raised money to help with expenses.
Yet, at the end of the day, as they mourned the loss of a son, the couple still had to take out a second mortgage on their home to cover the bills.
"The reality is that everything catches up to you," says Sullivan.
Want to stop personal bankruptcies? Save the Affordable Care Act
Medical debt is one of the leading causes of bankruptcy in the United States. (Its also one of the leading causes of anxiety, headaches, and sudden-onset fervent belief in a single-payer health care system.) Butpersonal bankruptcies have dropped by a stunning 50% since 2010,which Consumer Reports says is due in part to the Affordable Care Act. (Thanks, Obama.)
AsConsumer Reports notes, trips to the emergency room and cancer diagnoses are not something most of us include in our financial planning, so when were hit with those unexpected, involuntary, and large bills, many people are woefully financially unprepared. Personal bankruptcy becomes the only option. The Affordable Care Act (aka Obamacare) meant millions more people had access to (or were required to carry) health insurance, meaning that when tragedy struck, they were prepared. They were able to seek treatment without having to sell their homes or declare bankruptcy. Take a look at theConsumer Reportsarticle, because its an important read, particularly as Congress is once again looking to repeal the law that helped provide health insurance to some20 millionAmericans who may not have otherwise been able to afford it.
[Photo: via Pixabay] ML
Hundreds of people want help with personal bankruptcy
Sturtevant to sue county over Hwy. 11 parcels
The developer who was building Cobble Court condominiums in Sturtevant filed for personal bankruptcy in the fall of 2010. The retail component of the project was never started.
Preparing for personal bankruptcy | Biz Brain
Q. I had a failed company and I have three judgments against me personally. Could I get rid of them if I file for bankruptcy?
— Planning
A. It depends.
Assuming that you are otherwise eligible to receive a discharge in a bankruptcy case, a personal guaranty of business debt is, generally speaking, dischargeable, said Ilissa Churgin Hook, a bankruptcy attorney and member of Hook amp; Fatovich in Wayne.
She said most individuals seek relief either under Chapter 7 or Chapter 13 of the United States Bankruptcy Code.
Heres how it works.
Generally, in a Chapter 7 case, a debtor seeks a discharge from his or her debts in exchange for exposing his or her assets to an examination by a third party trustee, who acts as a fiduciary for creditors, Hook said.
Hook said one of the trustees obligations is to look for assets that have equity — after taking into account the costs of sale, any liens against the asset, and any relevant bankruptcy exemptions — and can be liquidated to pay creditors.
Chapter 13 is different. This filing is an option available to an individual or a married couple with regular income seeking to reorganize debts and retain assets, Hook said. A Chapter 13 case normally lasts three to five years and involves a payment plan that allows a debtor to repay debts over time.
So your first question is whether you are eligible for a bankruptcy discharge, and which chapter of the bankruptcy code you should use.
For example, Hook said, you may desire to wipe out your debts in a Chapter 7, but if you own an asset that has equity, such as a house, the filing of a Chapter 13 case in which you pay back part or all of your debts — including the judgment debts — in exchange for retaining your interest in your home may be more appropriate for you.
Hook said you may also fail to qualify as a Chapter 7 debtor if your household income is over a certain limit. This varies depending on the county in which you reside.
Further, she said, if there was any fraud involved in obtaining the underlying debt owed to the judgment creditors — for example, if you or your company submitted false financial information in order to obtain a loan — the creditor may object to your attempt to discharge that debt.
And, you may be barred from filing a bankruptcy petition for a certain period of time if you had a prior bankruptcy case, Hook said.
She said assuming that you qualify for a Chapter 7 discharge, you should be able to discharge, or wipe out, your personal liability on the judgment debt.
If the judgment creditor has filed a lien against your home, that lien can be avoided in your bankruptcy case if you file a bankruptcy petition within 90 days of the attachment of the lien, she said.
If however, the judgment lien is already more than 90 days old, a discharge in bankruptcy will relieve you of any personal liability to pay the judgment — meaning that the creditor cannot attempt to collect from you, seize a bank account, or garnish your paycheck — but the lien will survive the bankruptcy and remain a lien against your home even after your bankruptcy case is closed, she said.
You could file a motion in the state court one year after your discharge and request that the lien be removed as of record.
Sounds like its time for you to sit down with an attorney who specializes in bankruptcies to see if any of the options are right for you.
Email your questions to firstname.lastname@example.com.
Karin Price Mueller writes the Bamboozled column for NJ Advance Media and is the founder of NJMoneyHelp.com. Follow NJMoneyHelp on Twitter @NJMoneyHelp. Find NJMoneyHelp on Facebook. Sign up for NJMoneyHelp.coms weekly e-newsletter.
The Legal Minute with Cooley Shrair: tuition clawbacks
CHICOPEE, Mass. (Mass Appeal) – In this Legal Minute with the Law Office of Cooley Shrair in Springfield, Attorney John Davis explained what an individual considering personal bankruptcy should know about tuition claw backs.
Cooley Shrair
1380 Main Street,Springfield
For more information call(413) 781 – 0750or visitwww.CooleyShrair.com.
About Cooley Shrair:
Cooley, Shrair PC, founded in 1946 by Judge Sidney M. Cooley and Attorney Edward B. Cooley, is a progressive law firm located in Springfield, MA. Cooley Shrair provides unequaled service to its clients. Our unparalleled response time to our clients' needs is the foundation of our mission statement.
At Cooley Shrair, family and business have always had a way of blending together. We know the importance of balancing the boardroom and the courtroom with the living room from time to time. We listen carefully to understand our clients' concerns and work vigorously with them to develop strategies for success. It's not just business, it's personal.
We pride ourselves in being the most responsive lawyers in the area, covering virtually every area of practice for individuals and multinational corporations across the United States and Canada. Cooley Shrair is recognized consistently for exceeding client expectations and providing competent, integrated, and cost-effective legal services.
Our attorneys are each distinguished in their respective areas of concentration and are complemented by a professional support staff. Cooley Shrair is a formidable opponent who fiercely advocates on behalf of our clients and we take pride in our commitment to provide unparalleled response and unparalleled solutions.
We're a family, and to us, that's very personal business.
Promotional Consideration Provided by: Cooley Shrair


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As model and "Dancing with the Stars" cohost Brooke Burke prepared to undergo surgery for thyroid cancer Wednesday, she tried to focus on her family and healing.
On Nov. 8, Burke first revealed she had been diagnosed with thyroid cancer and planned to have a thyroidectomy.
"I've booked my surgery," she said in a YouTube video. "It's taken me a couple of months to really wrap my head around this ... Now I'm good. I'm ready to deal with it, and I'm going to be fine. I feel really, really strong. Doctors say this is a 'good' kind of cancer to have ... My doctor did tell me this is a happily ever after ending kind of thing."
The mother of four has been sharing the personal experience with fans via her Modern Mom blog. On Wednesday, the day of her surgery, Burke revealed how she told her kids she had cancer.
"I decided not to tell my children about my diagnosis for as long as I possibly could because I didn't want them to worry," she wrote in a blog post. "I know that my younger ones still don't have a great concept of time and I didn't want them to be anxious, worried and asking 1,000 questions."
When Burke finally decided it was time to have the conversation, she told her 12-year-old daughter first.
"She was really scared and concerned. She cried, and her biggest fear was if I was going to be ok," Burke explained. "She asked me to promise, promise, promise her that nothing would happen to me, which I did."
Burke has four children -- daughters Neriah, 12, Sierra, 10, and Rain, 5, and son Shaya, 4. Neriah and Sierra are from her previous marriage to plastic surgeon Garth Fisher. Rain and Shaya are from her current marriage to "Baywatch" star David Charvet.
Burke said her family gives her strength.
"I'm not afraid anymore. I think I've been dealing with it so much the past couple months that now I'm ready to just get it done and put this behind me," she told Us Weekly. "My only need is being ok for my husband and my children so they don't have to go through any pain and making this as easy as possible for them."
On Monday, Burke thanked her fans for their support in a Facebook post: "I am touched and appreciative to all of you for sharing your positive wishes for my surgery, and for sharing many of your personal thyroid experiences. I really do read your comments and they all mean a lot to me. I'm getting ready this week for my surgery and am planning on a speedy recovery."
The "Dancing with the Stars" cohost said she was resting following her surgery. On Thursday, she tweeted:


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Scene: The elevator of residential building in Midtown.
Building resident enters, carrying a bag of takeout food. Another man enters, dressed in a white apron and chef's hat, delivering a meal from a nearby restaurant. They nod at each other in recognition.
Resident, glancing at his meal, which was clearly purchased from another restaurant, says sheepishly, "I'm cheating on you."
Chef, with a "that's life" resignation, says, "It has to happen sometimes."
Read all recent entries and our updated submissions guidelines. Reach us via e-mail: email@example.com. Follow @NYTMetro on Twitter using the hashtag #MetDiary.


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Note to Daniel Radcliffe fans: lightning bolt scars are yesterday's fad. Starting now, if you want to model your cosplay habits after the erstwhile "Harry Potter" actor, we recommend applying devil horns to your forehead. That's what the "Potter" star is going after in his new thriller "Horns," based on the novel by "Locke & Key" writer Joe Hill.
But did Radcliffe accomplish his other mission — making sure his horned visage is as far away from Ron Perlman's Hellboy as possible? Look above at the two unexpected heroes side-by-side, and you be the judge.
Speaking with MTV News recently, Radcliffe specifically called out the Dark Horse comic book icon as a character he didn't want his "Horns" protagonist — a murder-accused alcoholic who can make anyone tell him the truth thanks to his mysteriously-developed horns — to look like.
"Hellboy is what we're trying to avoid," he said of the plans for his "Horns" look. "It's not that on-the-nose. It is interesting. There will be a lot of prosthetics involved towards the end, because some terrible things happen to my character."
The blood dripping from his horns and forehead is a start, but Radcliffe would need a whole lot more red to truly stand shoulder to shoulder with Hellboy. As for who rocks the horns better? Come on — you don't mess with Big Red.
What do you think of Radcliffe's horned look versus Hellboy? Who rocks the horns better? Let us know in the comments section below or on Twitter!


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This article is all about clearing up the mystery and confusion about the no contact rule.
I will explain exactly how it works and how to use it correctly to help you with your relationship problems.
We will explore how NC works, why it works, and what happens during your no contact time that will help heal you, and prepare you for a fresh start with your ex.
We will also debunk a lot of the misconceptions about using the no contact rule to get your ex back.
After reading this article you should have a very good understanding of what to expect when you properly initiate the no contact rule.
The Break Up
Why You Need to Properly Initiate The No Contact Rule ASAP!
Chances are very good that you're reading this a little too late, but let's discuss this anyways, OK?
Everyone's first reaction after a break up is to get their ex back no matter what, this leads to begging, pleading, and even using "guilt" as a tool to get them back.
But what happens?
That's right, they become even more distant, and this drives you nuts, which causes you to keep repeating the above cycle.
You continue until they either change phone numbers, email addresses, and whatever they can do to stop you from contacting them, or you give up and start to look for help.
The bottom line is…the sooner you stop chasing them (contacting them) the sooner the healing process can begin.
Now, next we will look at a great example of a no contact message to send to get the ball rolling, OK?
The No Contact Message
How to Write and Send The Proper No Contact Message
Now that you have come to your senses and want to make real progress in your attempt to win back your ex, it's time to write and send your NC message.
A Good NC Message (if they broke up with you)
Hi, I agree with you about the decision to break up, I really believe it was the best thing for both of us. I have some big decisions to make and I need some time to think them over. I would really appreciate it if you didn't contact me during this time. I will be in touch when I am ready.
A Good NC Message (if you broke up with them)
Hi, I do not regret my decision to break up with you, I really believe it was the best thing for both of us. I have some big decisions to make and I need some time to think them over. I would really appreciate it if you didn't contact me during this time. I will be in touch when I am ready.
A Good NC Message (if they broke up with you, and you share child custody)
Hi, I agree with you about the decision to break up, I really believe it was the best thing for both of us. I have some big decisions to make and I need some time to think them over. I would really appreciate it if you didn't contact me during this time, unless it concerns our children. I will be in touch when I am ready.
A Good NC Message (if they broke up with you, and you share a business)
Hi, I agree with you about the decision to break up, I really believe it was the best thing for both of us. I have some big decisions to make and I need some time to think them over. I would really appreciate it if you didn't contact me during this time, unless it concerns our business. I will be in touch when I am ready.
*You can also substitute bills, accounts, etc. for the word business, or children.
*Note – Make sure you only respond to the messages that pertain to shared business, and keep it all about the business at hand.
Don't let your ex steer you off course.
If they try, tell them you are not ready to talk about that, and please stay on the subject.
If they won't…end your conversation.
NC is NOT about being mean, or hateful.
The no contact rule is about drawing personal boundaries, and defending them, you need time to heal, and you have to fight for your happiness.
If you're not sure if you're broken up or not (maybe just taking a break)…then use this form of that message to get yourself out of "Relationship Limbo"…OK?
Hi, We need to take a break, I really believe it is the best thing for both of us right now. I have some big decisions to make and I need some time to think them over. I would really appreciate it if you didn't contact me during this time. I will be in touch when I am ready.
After you have chosen the appropriate no contact message, how should you send it?
My answer is, whatever way you know for sure, they will get it, and read it…or what's the point, right?
You do not want to call them and tell them over the phone…OK?
Because they might hang up on you, and if they don't they will probably just tune you out…make sense?
Plus you want them to have a copy to read over and over (which they will, believe me).
Next we will cover…The purpose of the no contact message, OK?
The Purpose of The No Contact Message
What The No Contact Rule Does And Does Not Do
Once you send the NC message and your ex tries to contact you, you MUST NOT reply to them, OK?
There will be instances when you need to interact with them, such as:
1. You share children and must discuss matters pertaining to them.
2. You share a business, or work in the same place.
3. You have shared financial matters, a.k.a bills.
In these circumstances you just need to be polite, and do not get lured into a discussion about your/their personal life, the NC message, or the break up.
Just keep it to the point, and all about business…that's it.
For more information about this topic please read the following article: Learn How to Get Your Ex Back Using The Infamous Missing Link
What about Social Websites and Mutual Friends?
No contact for the most part is to keep your ex from knowing what is going on with you personally, and they will become more and more curious.
It is highly recommended that you close all social accounts like FaceBook, and whatever other sites you waste your time on, and stay away from his/her mutual friends.
If you must talk to mutual friends, tell them nothing about your personal life.
This will help further down the line when you're ready to set up a meeting to reconnect in a new relationship with your ex…understand?
Staying away from mutual friends and social websites will also protect you from false rumors sent by your ex to rattle your cage, and make you second guess using NC.
They want you to break no contact so they feel like they are back in control of the situation.
If you can not do these things, you're NOT SERIOUS enough about using the no contact rule correctly, and your results will reflect your efforts.
In the end, you only get out what you are willing to put in…you reap what you sow.
Now to address some common questions about using no contact:
1. I haven't spoke to my ex since our last argument. Will I look foolish sending the recommended no contact message, if my ex hasn't contacted me, in a while?
No, it doesn't matter how much time has passed since you spoke with your ex.
If you do not send the recommended no contact message, you will not be using NC correctly.
This message is meant to flip both your "switches", and, start your personal evolution together.
Sending the recommended no contact message (without changes) as outlined in the free breakup survival plan is VERY important, do it ASAP, and, don't look back.
You will be very glad you did, just like the people here in the break up success stories section of my Blog.
2. Won't it look like I am ignoring my ex therefore making them angry with me?
NO, you sent a NC message asking them to not contact you.
So, if they ignore your request, and, contact you about things other than the ones explained above, you have every right to not reply.
Usually, what they are trying to do is get you to break NC, so, they don't have to worry about what you're doing.
You think this is a good thing, but it's not…why?
Because as long as they know what you're up to, they will never want you back in a relationship.
You have to be completely gone, before they will start to miss you, and, rethink having you in their life.
Why settle, when they can have their cake, and, eat it too, right?
They get to play the field, while you heel like a nice little puppy.
For more information about this topic please read the following article:
Learn Why Your Ex Will Not Leave You – 2 No Contact Rule Myths Shredded
3. Won't I just drive them into the arms of their new boyfriend or girlfriend?
They are already there, right?
If not, the no contact strategy will not make them do it, and, if they do date someone chances are it's to make you jealous.
So, when it doesn't work, where does that leave them?
Now for a quick overview of what using NC will do:
When you send the NC message, you're telling your ex that you agree with the break up and are no longer "chasing" them.
You're in a sense turning the tables and flipping a switch in their heads.
They're used to you pleading and begging and now you suddenly stop…why?
What are these big decisions you have to make…is it about them?
Is this decision about whether to give up on ever coming back to me?
What if I went too far?
The emotionless "clean" message you sent them will have them guessing and putting you on their mind…that's where you want to be.
4. Will the no contact rule work on a narcissist?
Hell ya, it will work.
It will work on anyone who has the ability to feel love, even, if it's mostly for themselves.
If narcissist's didn't need anyone, but, themselves, they wouldn't ever get into a relationship.
Make sense?
Plus, narcissist's think so highly of themselves, that they "expect" people to chase after them.
The no contact message pretty much tells them, you are NOT going to chase them, and, you don't want them to chase you, either.
Don't try to read too much into this whole process.
The no contact message will put a dent in anyone's ass, even a narcissist.
Test my theory, send the recommended NC message to your narcissist ex, and, see what happens.
Next, we will discuss what the no contact rule is really all about.
What The No Contact Rule Is Really About
30 Days and The Healing Process
When you initiate the no contact rule you're in fact putting an end to your old "failed" relationship with your ex.
You know the one that's been dying for some time…get together…break up…get back together…breakup again…etc.
This break up is actually the best thing that could've happened, it was time to move on…move on from that bad relationship.
Break ups do not mean the end of you and your ex ever being together, this is the most important thing you need to realize during your NC time.
You need to put all this behind you and heal yourself emotionally, and prepare to come back and reconnect with your ex…
When you're ready, do not rush through no contact…
So What Do You Do While Your In No Contact?
Well here's what you don't do…sit there counting off 30 days and expecting your ex to come back like magic.
Find any reason (no matter how lame) to break NC and contact your ex out of fear they won't remember you after 30 plus days of NC.
There is much work to be done during NC and the faster you stop working against the break up and start working with the right tools, the faster you"ll be ready for reconnection, make sense?
During your time alone you will make a list of the pros and the cons of your relationship to figure out if you even want your ex back.
Once you calm down and start thinking you might realize it was a bad match after all, or you will see that it was a great match but there were some issues.
List these issues as something to work on when you get back together with your ex later on.
You also need to examine your past relationship to see where it started to fall apart, ever clue you uncover will give you a better chance at getting your ex and keeping your ex, OK?
The bottom line is NC is not a 30 day thing, it is taking as much time as necessary to calm down, and evaluate your emotional state, work on the past problems, and plan for the future…with or without your ex.
How Will You Know When You're Ready To Reconnect With Your Ex?
When you call and ask them out to a short meeting (coffee) and they say "no" and you can calmly accept that without panicking.
This is just your first try, there will be more chances to do this again, later on, right?
The fastest way out of relationship limbo, and the "Just Friends Zone", is to properly use the no contact rule, and stick to it.
Who Am I and Why Should You Listen to Me?
My name is S. Williams, and I have been helping people since 2008 to overcome break up pain, and get their lives back.
I even have an "About" section that I recommend you read.
I realize the address of my site is: How to Get Your Ex Back Fast, but, I "really" teach people how to get their lives back, not just their ex's.
If you're interested in working with me (and our forum members) to get your life back, join my free newsletter for access to the Free Breakup Survival Plan, and start getting your life back today.
The answers you need to start your personal evolution are waiting for you, don't hesitate another minute…come and get them.
Once you get your life back, everything else will just start to fall into place…I promise.
If you have any comments or questions please write them in the comment box below.
If this article was useful or helpful to you in any way, please show your appreciation by sharing it with your friends, just use the buttons below this article.
Until next time,
S. Williams
Copyright © 2008 and beyond – All Rights Reserved Worldwide – You DO NOT have permission to reuse this content in any way, shape, or form.


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About Us
MAAV strives to provide practical, hands-on experience for students by competing annually in the International Aerial Robotics Competition (IARC). Members of MAAV engage in the design, building, and testing of an autonomous unmanned aerial system (UAS) while furthering multiple areas of Computer Science and Aerospace Engineering research. Learn more about the current and past missions of the International Aerial Robotics Competition by clicking here.
Joining MAAV is as simple as joining the mailing list and going to workdays and meetings. Every Saturday is a work day in the Wilson Center, and all our subteam meetings during the week are announced on the mailing list. Please note that our mailing list is relatively high-volume, as all of our version control systems, our continuous integration setup, and other team communications are sent to this list.
Our sponsors generously provide the resources MAAV needs for both research and manufacturing. MAAV gladly thanks the organizations and people within them that make our work possible. If you're interested in sponsoring us, please contact the team leadership at firstname.lastname@example.com.


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Home page
Welcome to Forestlands
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Invest in your future
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Fax: 00 64 (0)3 528 8851
Freephone :0800 881 881
To tell a friend about Forestlandsenter their email below:
Our forestry and land investments are suitable for large or small investors. Regardless of whether you're investing $1000 or $1,000,000, if you want an affordable investment in a company with physical assets that you can see and touch, this is it.
Join thousands of investors who are growing wealth for their future by investing in a Forestlands company that grows trees and owns land.
Forestry is New Zealand's 3rd largest export industry*
now you can be part of it.
Forestry – Land
2 investments – one price
Minimum investment from just $1000 per share
Further information regarding this publication is contained within the
investment statement dated 1st March 2012 (Investment Statement) and the
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Happy, healthy fun!
Mucker Junior returns on September 15th, 2018 to our new venue near Lancaster, open to Muckers aged 5 to 14 in 2018. We are also opening this event to allow parents to run with their kids along the 2.5km course.
Along the way, you will encounter more than 20 obstacles, including mud pits and the slide into an ice-cold plunge pool on the finish line. It's a shockingly fun way to finish ahead of collecting their well-deserved medal!
The event is hi-energy fun to challenge and enthrall all abilities through the age range. The course is built to emphasise teamwork and produce lots of laughs. Junior Muckers can run to win if they want, but most entrants join their friends, brothers and sisters to help each other around the course at a pace that suits.
Mucker Junior Goodies!
All Junior Muckers get our famous Big Badass Mucker Medal (including parent helpers this time). T-shirts and buffs are available on the day as optional extras.
Register early to avoid disappointment!
Our June event last year reached the maximum number of entrants, so we expect to sell out fast for this one. We look forward to seeing you all there again and can't wait!
We also have a 10K and 5K Mucker on the same day.


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Event explores career options
Eva Binda | Wednesday, September 27, 2006
While many English majors may wonder what to do with their non-technical degree, the answers were potentially right in front of them at Tuesday evening's English Major Career Night.
The event – open to all Arts and Letters students – featured Notre Dame alumni and other professionals who discussed why an Arts and Letters major makes a perfect fit for various careers in speechwriting, non-profit leadership and financial services.
"Events like this are an opportunity for students to explore the vast career choices that are out there and possibly even make networking connections for future internships or jobs," Associate Director of the Career Center Anita Rees said.
"We don't pay [guest speakers] to come," she said. "They come because they want to talk to Notre Dame students."
Senior English major and event organizer Claire Ewersmann said financial services are one of the most surprising career fields represented at the English Major Career Night.
"Financial Services sounds like a business major job," she said. "However, you use analytical skills you gain as an English major and apply that to a business in order to improve it."
"[The Career Night] is a really great opportunity to explore diverse interests," event organizer and junior English major Jessica Morton said. "As an English major, you get asked a lot if you're going to be a teacher.
"While that's great, there are lots of other jobs out there."
Morton, who began her career at Notre Dame as an economics major, said she holds "business consulting" as one of her career prospects.
English majors are not the only students questioned about their future careers.
Many Arts and Letters students are plagued with questions as to what they can do with their major and how the financial compensation compares with other majors.
The facts and statistics can look intimidating.
A job/internship search on the Career Center online tool "GoIrish" – an online database of jobs and internships posted by hundreds of companies and only available to Notre Dame students – produces about 498 results for Business majors/concentrations compared to about 375 results for Arts and Letters majors/concentrations.
Despite the fact business majors seemingly possess more opportunities, there are approximately 1,600 undergraduates in the Mendoza College of Business (spread over seven majors) compared to approximately 2,900 undergraduates (spread over 30 majors) in the School of Arts and Letters, according to the Undergraduate Admissions website.
The Mendoza School of Business website reports the average salary for a graduate the undergraduate program is $48,500, a figure based on 2005 placement surveys that does not include bonuses.
No such figure is published on the Arts and Letters website, and Rees declined to give the average dollar amount.
He said he feared too many students would take the figure out of context and only read the dollar amount, without consideration of students who go to graduate school or that salaries vary by major.
"If your passion is art, you know you aren't going to make as much as an accountant at Ernst & Young right out of college," Rees said.
She also said it is important to realize that with time, that same student could be making just as much as the business graduate.
"Why not follow your passion if you could make a decent living and eventually […] increase it in the future?" Rees said.
So how worried are the Arts and Letters students about getting jobs after graduation?
"I'm not that worried. I plan on going to law school and if that doesn't work out, there are lots of things I can do with my major," sophomore anthropology major Allison Ciesielski said. "I actually was a business major and I hated it. It wasn't for me so I found something that was a better fit."
Freshman business major Jon Lagoy offered a different perspective.
"I came in as a history major but after two weeks, I started thinking about the next four years and decided I didn't want to do it anymore," Lagoy said. "Everyone kept telling me all I could do was teach or work in a museum.
"I liked history but I didn't like what it offered career-wise. It didn't seem to have good job opportunities so I switched to business."
Arts and Letters students are encouraged to decide what areas interest them.
"It is also important for Arts and Letters majors to remember that employers recruit differently," Rees said. "Most opportunities for Arts and Letters majors are in the spring, while companies geared toward recruiting business students recruit in the fall.
"Arts and Letters students may feel that no one wants their major, but it's not true. We have all the tools to go after the employers."


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We've been here a while – search
- 2015 - Year of the GNU/Linux Desktop
- Acer
- adoption
- android
- Apple
- China
- cloud
- Debian
- Dell
- desktop
- education
- firearms
- food
- garden
- GNU/Linux
- government
- hunting
- Intel
- Lenovo
- LibreOffice
- Linux
- market share
- migration
- politics
- renewable energy
- Samsung
- security
- server
- small cheap computers
- smart phone
- software-patents
- Solo EV
- tablets
- that other OS
- thin client
- thin clients
- trolls
- Trumpism
- Ubuntu
- uptake
My MissionMy observations and opinions about IT are based on 40 years of use in science and technology and lately, in education. I like IT that is fast, cost-effective and reliable. I do not care whether my solution is the same as yours. I like to think for myself.
My first use of GNU/Linux in 2001 was so remarkably better than what I had been using, I feel it is important work to share GNU/Linux with the world. I have been blessed by working in schools where students and school systems have benefited by good, modular software easily installed in most systems.
I have shown GNU/Linux to thousands of students and hundreds of teachers over the years and will continue in some way doing that until I die in spite of the opposition.
Daily Archives: March 10, 2012
A Healthy Front Line of FLOSS: GNU/Linux
There are many areas of IT where FLOSS competes very well. As well as the obvious success of GNU/Linux on servers (at factory and on the web) and Android/Linux on smart thingies (3.7M over Christmas and 850K per day average) … Continue reading
Posted in technology 7 Comments
Direct Assault on Wintel
The most direct assault on the Wintel monopoly I have ever seen happened last week. Onlive is going after Wintel two ways, while using Wintel stuff: Providing access to M$'s OS and applications without end-users remitting a licensing fee to … Continue reading
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Yet, another feature about The Isthmus. This time Gabriel of Es Mundano featured pages from the project. I met Gabriel in Casco Viejo at the offices of Air Panama. He was enthralled with The Isthmus.
The Isthmus... Revisita Agenda Perfil
Through a friend I met Mimi Nordstrom. She is the editor in chief of Revisita Area. Mimi wanted me to sit down with Dominic Rios for the Perfil section of the publication. They wanted to know what made me tick. Not to mention, what possessed me to spend more than 10 years photographing, living and working there. Check it out...
The Isthmus... Revisita AREA
You work and work and hope someone notices. Meeting after meeting, if the work is strong people take notice. It's very humbling to see revisita AREA of Panama give so much attention to The Isthmus. When I started this project way back in 2004, I had no idea how long and how much hard work it would really take to bring this project to the next level. It's been a labor of love. Nobody paid me or forced me to create this document. I did it because of my passion to tell the story of Panama in the modern age.
When Claudia of AREA told me they would feature The Isthmus in the March issue I was elated. But, I didn't do this alone. Enlisted was noted architect Edward McGrath. Edward would pen an essay. He would put into perspective what the images created would mean for Panama and it's future generations. Those words and thanks puts into perspective the recognition for the project.
A collaboration such as this gives a new perspective to the project. To see how others perceive the work is fascinating. It gives the work a different dimension, creating a narrative that I might not have thought about previously. That is a very exciting revelation.
For that I want to say thank you!
The Isthmus... Copa's Panorama magazine
A write up in Copa airlines magazine Panorama. "This book is perhaps the most monumental graphic compendium to have been compiled about the recently completed Panama Canal expansion."
The Isthmus... Miami Herald Op-Ed
On the eve of my talk at the Leica Store Miami, The Miami Herald asked me to write about the project. It was nice to have a chance to write about my thoughts, feelings and motivations for creating The Isthmus. Click the link to read it.
The Isthmus... Leica Lounge
This Thursday at 7PM on Miracle Mile in Coral Gables I will be presenting The Isthmus. The goal of this project has been to share it, this event lends itself to that idea. So, if you want to see and hear about it was like to spend 12 years photographing a country change itself from the solid earth, then you will want to see this. See you there...
The Isthmus... Ocean Drive Miami
Recognition for The Isthmus is gaining momentum. Here Brett Sokol a Miami based writer paints a picture of what the project is about and how it came to be.
The Isthmus... Chatting with NPR'S WLRN
It's always great to sit back and peel the layers away about this project that took more than 10 years to tell this mega story. So, sit back and listen up. Luis Hernandez of WLRN dives head first into what is the grandest project of my career so far. This project that tells the story of the men and women of Panama that have changed their country.
The Isthmus... Lufthansa magazine
It's great to be able to start the new year off with a bang! Here an image from The Isthmus is on the cover of Lufthansa's inflight magazine.
The image is from a practice session of one of Panama's most famous marching bands, El Hogar.
The Isthmus... Conversatorio en Kromya
This was a great event and a chance to engage the public about "The Isthmus" read all about it en espanol.
The Isthmus... La Estrella write up
Daniel Alarco of La Estrella wrote about The Isthmus in "Retrató el Canal pero se enamoró del 'diablo dojo'"
The Isthmus... Cool FM with Gerry D
It was great to do this radio interview from high above Panama City in the studio of Gerry D of Cool FM from his Paitilla Studio.
Check it out...
The Isthmus... 12 Photobooks for your holiday list.
I am super proud and stoked that The Isthmus is featured on Photoshelter's 12 Photo Books for your holiday list. Have a look!
The Isthmus... A profile on AI-AP
It's really nice when you can have a conversation with someone and they actually listen to what you have to say. It's refreshing to hear what people think and how they feel about the work that I have done. Well, let me restate that. The work that I have witnessed. I watched the men and women of Panama transform their country. Here is a profile by David Schonauer of American Photography. So sit back and enjoy!
The Isthmus... On Bloomberg Radio
Last night was a special treat. I got to speak about The Isthmus and Panama on Bloomberg radio 880 AM The Biz. Skip ahead to 31:00 where the Panama segment begins....
The Isthmus... Focus on South Florida Preview
I was super humbled and excited to be asked to join Mitchell Kaplan of Books and Books as Focus on South Florida previews the Miami Book Fair's 33rd iteration.
The Isthmus... Pro Photo Daily
It's always nice to be recognized. This time by David Schonauer of Pro Photo Daily. Stay tuned as we have a discussion and follow up about The Isthmus.
The Isthmus... Miami Book Fair Panel
I'm really looking forward to this opportunity to share The Isthmus with the world. Come and join me, Ilya Espino de Marotta, VP of the Panama Canal Expansion and Biff Bermingham, Chief Science Officer of the Frost Museum and formaly of STRI in Panama '88-'13. So please join me Saturday, November 19 @ 4:30pm. Thank you...
The Isthmus... Ocean Drive Panama Q&A.
Being invited to the Feria Del Libros this past August at Panama's Atlapa Convention Center was a thrill. I would be presenting my photographic odyssey, The Isthmus. It was a great opportunity to introduce the world to my latest publication. During that time I met Marilina Vergara from Ocean Drive Panama. We had a great discussion that you can read all about here. Oh yeah, Ocean Drive is calling it, "What's Hot!
The Isthmus... Washington Post Feature
It could take years for people to know and appreciate what The Isthmus means to the history of the Panama Canal. The great thing is that it's now a reality. The expansion of the Panama Canal should continue to be celebrated, it's an amazing and monumental achievement.
Today, the Washington Post has featured the project. Have a look...


text: Documents Here are several medical documents for you to download 3 Search for: Categories Blog (4) News (3) Promotions (1) Recent Posts The Woodstone Elementary School third grade classes get a dental screening from The Neighborhood Dentist. Dental Assisting Spring Class of 2017 at San Antonio Christian Dental Clinic with Dr. Beltrane and staff teaching Radiology. Dr. Beltrane's Grandson collaborates with his other Grandmother for a humanitarian project. (Video) Chickens Have NO Teeth, So Don't Be A Chicken! Archives February 2018 March 2017 February 2017


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Facilities and Activities
Your admission gives you a Day Pass so the Garden is yours to enjoy for as long as you want to stay. You are also welcome to bring your own snacks, lunch or picnic with you.
We offer a range of facilities and activities:
- A self guide map of the Garden
- A 10-minute introductory DVD
- Plenty of places to sit and contemplate
- A Tea Shop with a range of teas, dumplings, buns and other goodies to sample
- A gift shop where you'll find beautiful items for yourself and others
- An opportunity to feed the goldfish (late spring to mid-autumn)
- A chance to try on authentic costumes of emperors and princesses (and take photos)
- Chinese style puzzles and board games to bend your mind
- Acoustiguide Audio tours
Private function room
The Tower Block holds up to 16 people seated boardroom style or 24 people seated theatre style. It is ideal for small business meetings, product presentation or interviews.
- Hire fee $150 for half day (9.00am-1.00pm)
- $200 for whole day (during opening hours)
Gift Shop
The gift shop is located in the sunny courtyard of the Garden. You will find a wide range of authentic Chinese souvenirs, including lanterns, chopsticks, fans and jewellery, as well as traditional Chinese tea and light snacks.
Tea House
The Tea House was used by the Scholar to serve tea, dine and entertain his friends and guests. Many Garden visitors enjoy their Chinese tea and dumplings while enjoying the tranquil outlook.
The shop and Tea House are open daily 10.00am - 4.30pm.


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Gymnastics leotards can be hard to find–so I've put together a list of places where you can buy gymnastics leotards online. Leotards are what most girls wear to gymnastics class.
I know when I first started doing gymnastics, the weren't many options for where you could buy your gymnastics leotard. You either bought your leotard at the gym in their pro shop, or you bought a basic leotard from a big box store.
Now, there are many more options for where you can buy your leotards. As with anything, there are stores where you can spend more, and places where you can get gymnastics leotards at a discount.
- Amazon: Amazon is my favorite place to shop for gymnastics leotards online because it's the cheapest. Leotards are less expensive here than at other online stores, and often you can find something you like on Amazon. You do have to spend some time looking around. Some of my favorite brands are Snowflake Designs, TumbleWear and Lizatards.
- Deary's Gym Supply: Deary's Gym Supply doesn't have a large selection, but they have high-quality GK Elite brand leotards at less expensive prices. Shipping starts at $5. Deary's Gym Supply is a specialty gymnastics store.
- Justice: Justice, a Tween clothing store, has a couple of cute leotards in their gymnastics section.
- Target: Target has gymnastics leotards that they sell online at reasonable prices.
- Wal-Mart: Wal-Mart has some leotards at discount prices.
If you check out all those stores listed above, I'm sure you will find a leotard you love!
If you are looking for more gymnastics clothing ideas, check out my favorite Gym Rat Clothes.
Also check out my Gymnastics Leotards Pinterest board.


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We are hiring in Lexington!December 27th, 2013
People Plus, Inc. is seeking a Recruiter/Staffing Coordinator immediately needed in Lexington, Kentucky!
If you have experience in recruiting and hiring and seek to work at one of the Best Places to Work in Kentucky, then this may be the opportunity for you!
In our Lexington location, we are seeking a Staffing Coordinator to assist our recruitment efforts and build a strong pipeline of candidates for our local client's needs. The Staffing Coordinator will work closely with our clients on a daily basis to fulfill their staffing needs and work closely with our associates to ensure proper job placement while handling day-to-day office functions. This position is entry level and ideal for the candidate seeking to start a career in the Staffing Industry.
The ideal candidate will have a minimum of 1-2 years experience in Staffing/Recruitment or HR related field. Specific experience includes but is not limited to recruiting, staffing, interviewing, hiring or other similar experience. Some knowledge of Employment Law is preferred. Successful candidate will have previous working knowledge of Human Resource functions (i.e. I-9 documentation and verification, employment applications, confidentiality), previous experience interviewing/ recruiting and outstanding customer service skills. Candidates must have a high attention to detail, strong organization skills and ability to handle confidential/stressful situations with professionalism.
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MINNEAPOLIS, Oct 14, 2010 (BUSINESS WIRE) -- U.S. Bank is giving eligible credit and debit cardholders a chance to win up to $10,000 in the MAKE IT HAPPEN promotion, starting October 15, 2010.
Eligible small business and consumer U.S. Bank Visa credit and debit cardholders can visit the MAKE IT HAPPEN website or mobile site at usbank.com/makeithappen to submit their story on who they would help - a charity, a friend or their local community, if they had $5,000. Then, they can use Facebook, LinkedIn, Twitter and email to encourage their friends, family and colleagues to vote for their story on the MAKE IT HAPPEN site. The cardholder with the most votes at the end of the promotion period will win $5,000 for their cause - and $5,000 for themselves!
"We're encouraging our customers to help others by using social media to spread the word about how they would help someone in need," said Cliff Cook, chief marketing officer for U.S. Bank Retail Payment Solutions. "This is an exciting promotion for us, and a unique opportunity for our cardholders to give back to their communities, families or a favorite cause."
Cardholders also receive an entry to win $5,000 every time they make a purchase during the promotion, simply by registering their eligible card at usbank.com/makeithappen or by texting the word 'HAPPEN" (consumer cards) or BIZHAPPEN (business cards) to 46767 and following the simple registration instructions. One randomly-drawn winner will be selected at the conclusion of the promotion. In addition, anyone who visits the MAKE IT HAPPEN website can win up to $100 by playing the Pick-a-Purchase Daily Instant Win Game.
The MAKE IT HAPPEN promotion runs through Nov. 15, 2010. Two sets of prizes will be awarded - one for small business and one for consumer cardholders. For complete details and official rules, visit usbank.com/makeithappen.
U.S. Bank Retail Payment Solutions (RPS) is one of the nation's leading providers of payment processing, issuing and advisory services. RPS offers credit, debit, and prepaid payment solutions to consumers and small businesses through U.S. Bank and in partnership with financial institutions, businesses, governments and employers.
U.S. Bancorp (NYSE: USB), with $283 billion in assets as of June 30, 2010, is the parent company of U.S. Bank, the fifth largest commercial bank in the United States. The company operates 3,002 banking offices in 24 states and 5,309 ATMs and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. Visit U.S. Bancorp on the web at http://www.usbank.com.
SOURCE: U.S. Bank
U.S. BankTeri Charest, Media Relations, email@example.com


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Using CDPA While Travelling: Your Rights and Obligations
One of the many benefits of using CDPA is that your personal assistants can accompany you when you go out – whether it be to social functions, a trip to the store, business trips, or vacation. This is consistent with the notion that CDPA is premised on the notion of giving consumers the flexibility to live independent in their community. Travel is a key part of that flexibility.
Personal assistants may accompany consumers on trips to perform approved tasks on the consumer's plan of care. However, it is important to note that while Medicaid will pay your workers wages, it will not pay for travel expenses incurred or extra work outside of the plan of care. If you anticipate additional needs while you are traveling, you may ask your plan to temporarily modify your plan of care, although there is no guarantee that they will. It is also important for you to know that Medicaid will not reimburse for any services performed outside the United States or U.S. territories.
Before travel takes place, consumers must inform their managed care plan when they will be traveling out of state or service region. While a managed care plan cannot deny travel or tell consumers not to leave the state, it is very important to note that travel must not exceed 30 days, or the case will be disenrolled and services will be terminated. In the event of special circumstances or emergencies, i.e. an emergency while travelling, consumers should contact their managed care plan directly and inform them of the situation. Plans may extend authorizations for emergencies, but it is their decision.
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Originally posted by ChaoticOrder
reply to post by Thebel
First: Free energy doesn't exist, you are talking about Perpetual motion Machine. That breaks laws of physics.
Yes, perpetual motion is impossible because of a little thing called friction (unless you're in space, then it is possible). However, I AM NOT talking about perpetual motion. I am talking about free energy devices which pull their energy from the zero-point field or from magnets or something like that. It's perfectly possible and I'm sick of you people trying to derail this thread and reduce it into a debate about the plausibility of free energy. THAT IS NOT the topic of this thread. If you have no constructive suggestions to add here then do not post. Thank you.
Originally posted by ChaoticOrder
Ok, here's the deal. I recently purchased a whole heap of electronics and magnets and stuff like that so I should have most of the things I need to build some sort of free energy machine. However, I'm not really sure where to start. I need suggestions from you guys. I would prefer to build some sort of over-unity electronic circuit but I'll also try building some magnet-based generators if you have any good suggestions.
It should be clear from my post history (see some of the threads in my signature) that I am not any type of disinfo agent and I am not aiming to discredit anyone. I really want to create a working over-unity device and share my success with the world. I will post clear, detailed, extensive video footage of any devices which I think are working as claimed. I will also let you guys know which devices I think don't work as claimed.
Please try to follow these points when making suggestions:
1) You must have reasonable knowledge that the device does work as claimed
2) You must provide full detailed schematics or instructions for building the device
3) I would prefer to attempt simpler machines rather than large complex machines
Fire away.
Originally posted by MrBlueSky
reply to post by ChaoticOrder
so let me understand this my friend!! you!!! want free energy !!!!... from a simple! easy! to build machine. lmfao the world really has gotten fat n lazy! not to sound like a troll ma man!! but if it was that simple the world would be a happier better place with no idiots in control and no war!! ... well maybe war with religion still hanging around but still!!
good luck!!
Originally posted by cloaked4u
Here, this will help you out greatly. Find a plot of land with a deep stream or a small river running thru the land.
Get yourself these items: One large generator that will power enough electricity to a home, one home made gear box that is made last.,cement,4 beirings,2- 4 by 4's length is determined by water wheel diameter and bank hieght. Also the 4 by 4's have two holes you cut at one end where the beirings get pounded into with rubber hammer,grease,metal gears you can weld on,One large metal pole,2 plastic bags with no holes, 3 metal rings, one gets welded to metal pole in center for a stop, and build a large water wheel with a hole in the center and the center has to be metal so that you can weld it to the metal rod once it is in place. When making the water wheel of metal make sure you attach the fins last, so you can adjust it to the water.
Dig two holes 4 to 5 feet down 6 to 8 inch diameter next to bank, don't worry about the water in the holes you dig. When done, Put a water tight plastic bag in the hole and put the 4 by 4 in the hole. Attach string to 4 by 4 and tether it so that it sticks straight up with level. Pour cement and let dry, now repeat other side of stream/river. don't forget to measure difference between the water line and bank height so you know what distance to put the poles in the ground.
one 4 by 4 on each side with a hole on top where two beirings go, 4 total, two to each 4 by 4. Put the beirings in hole tight and pound in with a rubber hammer. Fill with grease to both poles. Get a metal tube or rod that extends to the other side of the water, and also weld a metal ring stopper in the center. Make sure the large water wheel will be able to touch the water at low river levels and high when paddles are connected. You will need 3 people to put the water wheel on. One man on one side of the stream,river and another on the other. Both men lift the pole, and the 3rd man puts on the water wheel. You let it slide down the pole till it hits the ring stopper in the center. Both people can then put another ring stopper on and thread the pole in the holes. Once the pole is threaded on both sides then a person can weld the ring stopper to the metal pole next to 4 by 4 on both sides. When cooled down grease the ring stopper on the side next to the wood pole that is cemented in the ground. so that the wheel will not slide all over in the water. Next get yourself a boat and two ropes so you can go out in the water to weld the water wheel to the metal pole. Once the water wheel is secured then go to the side of the river where the generator will be located. Next weld a metal gear to the end of the metal pole. Next, Construct a concrete flat square where the generator is supposed to sit. Next figure out how to construct gear box so that the generator is spinning fast enough to push out enough energy. Next build a small water tight shelter over the generator and gears. Next run an underground pcv pipe and waterproof cord 2 to 3 feet deep from the generator to the home fuse box.
Build yourself a nice home with all the essentials like a wood stove that you can cook over. Get an electric water heater,stove, dryer,washer and electric small heaters and energy efficient light bulbs. Get everything you want that is powered by electricity and always have a backup generator so that you can replace the other one in case something goes wrong. I wonder if this is legal in some states. Once you build the generator that can push out the required electricity for the unit or units.


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A piece of the Bywater makes sense here
email@example.com | @BrianClarey
Big Tiny insists on Emeril's, the flagship restaurant of Chef Emeril Lagasse — Bam! — in the Warehouse District of New Orleans. Big Tiny knows good eating, and though Lagasse's star may have dimmed in recent years, the guy's food is phenomenal.
We know we're in the right place when Jonathan Vilma and a few other New Orleans Saints brush past us at the bar to a private dining room in the back. They've got a home game on Sunday after a long stretch on the road, and these guys have their pick of any restaurant in the city. Tonight, as far as New Orleans is concerned, this is the absolute center of the universe.
I got some barbecue shrimp, a house specialty that had so much butter in it I could feel it in my lungs — in a good way. My flounder entrée, pan-fried and served with roasted acorn squash and caper butter, made a flavor together that to my taste buds was something entirely new. As usual, Big Tiny out-ordered me at every turn. As soon as I saw his scallop entrée I knew I should have gotten that. For an appetizer he shared a plate of sticky duck wings that I'll remember forever.
We don't have restaurants like this in the Triad — in fairness, very few cities in the world have the culinary depth of a place like New Orleans — and honestly, I'm not sure we have the consumer interest to sustain one.
But there's a lot we can learn from New Orleans, much of which has bounced back with aplomb after the ravages of Hurricane Katrina.
The city's economy is at full throttle, fueled in part by a boom in the film and television industry that's been encouraged by a hefty tax rebate. Creative entrepreneurs fill out every niche in the market — on Friday I got a shave at my old friend Aidan Gill's boutique barbershop, Aidan Gill for Men, upon which he has built a mini empire.
The unemployment rate is among the lowest of the country's big cities, and the resulting gentrification of its aging neighborhoods is causing home prices to climb so quickly that longtime residents are starting to get displaced.
"Hipsters are killing the Bywater," Big Tiny told me. Still he works in the Bywater, one of the few neighborhoods in the 9 th Ward that came back strong after Katrina, at the sort of business that might do well in the Triad if anyone had the courage to build it.
Bacchanal Fine Wine & Spirits began as a simple wine shop near where the train tracks run along the river, specializing in quality labels for discerning oenophiles. They started fixing up cheese plates and little dishes to serve to the customers who wanted to drink their wine at the little tables out back. Now a sea of tables fills an acre or more in a courtyard while live bands play classic New Orleans dirges, and high-end bar food like ceviche, bacon-wrapped dates and chocolate bark with extra-virgin olive oil and gray salt are available through a window to the courtyard.
Big Tiny makes craft cocktails and sodas in the bar upstairs, cooking up his own bitters and mixes, adding his own culinary flair to the recipes. He made me a pineapple-curry soda with fresh muddled mint that changed my life just a little bit. Big Tiny, who came up in some of the most noxious dive bars in the city, has never been happier.
I'd love for him to come back to North Carolina — he's a Durham native — and open up a joint like this here in town. But he's not gonna leave New Orleans, where food is a language and there are Saints prowling the streets, anytime soon.v
WANNA go?
Emeril's; 800 Tchoupitoulas St., New Orleans; emerilsrestaurants.com Bacchanal Fine Wine & Spirits; 600 Poland Ave., New Orleans; bacchanalwine.com


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I had the pleasure, no the honor, of having Storm Shield install impact windows in my condo. The people I came in contact with were pleasant & efficient. As a homeowner, I could not have been happier with the experience. Anyone that is considering making a change, should contact Storm Shield.
Fletcher Johnson
Naples, FL