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Halloween – Fake
It's Halloween. Everyone dresses up in a fake costume. Horrifying. Who knew? It was this time last year that I jeered at the costumed caricature of our fake president at a Halloween parade in Rehoboth. Surreal! The horrifying nightmare continues. DT's supporters remain unswayed by his antics. To be sure you have no doubt how I feel about our fake leader. Let the Russians loose and hopefully the story is not over yet. One cannot afford to be timid lest the Taliban, al qaeda, and the Nazis prevail. You cannot afford to be silent while a madman runs loose. Did anyone else read the Emperor's New Clothes?
Blow yourself up. Not literally. Recent years have had an explosion of yard balloons that inflate and decorate your lawn. Purpose? …dunno. Now you can be the first on your block to blow yourself up. Yeah!
Finally! Someone with cleverness and wit, it's not a prerequisite of the parade. But I get it. Brilliant! Yes, there were a few Harry Potters too. But Magritte? Great!
Lame. Floats, commercials, advertisements, it ain't a Macy's day Thanksgiving parade. Then again there was not too much helium involved. Who thought of this? It's funky tacky. Sorry, that's my opinion and I'm stickin' with it. I've been to too many parades and seen too much stuff. There's not too much artistry in a store bought balloon. Boring!
There was (ww) exactly two political statements. The first I got immediately and it was good. The kid was good. And it was clear he was making a joke out of things. The crowd is democratic. But he will survive to march another day.
The other was not so obvious. And my blood pressure spiked until I noticed Hillary was beside Donald. Not only is her ass fat but she has hairy legs. I bet you didn't know that either. So that's it. The best satirical opportunity and only two – count 'em –demonstrations.
Yep, it's a pretty tame area. Bad hombre? Try (Arnold), "I'll be bach."
Oh!? I get it – recycle
They had to explain this one to me. Then it was obvious. This couple was encouraging people to recycle! Get it? I didn't and she was holding up her bodice. I thought she was hiding something provocative. Not! She was just wandering aimlessly up the parade route. I had civic messages delivered while I watch. Too funny.
Halloween – Think Cute
Another year I might have been at the famous – world famous – Village (NYC) Halloween parade. It's for grown-ups as in it is humorous and elaborate and pretty R rated. Political satire and recent events are the inspiration. You'd have had a ton of Hillary Trump satire. Really!? Nope, this is family and for kids. It's not NYC. The folks are friendly and not particularly fiendish. Go for cute. It's called the Sea Witch festival and it brings in a ton of revenue to the local economy. The parade is big enough to attract live TV coverage. A helicopter hovered overhead. It was commercialized with every local radio station parading in vans with logos plastered along the sides. Yes, local business is supportive and heavily represented. In the end it's about the kids. Right?
Blood and Gore in the Movies
The color of blood is red, but it can hardly be likened to ketchup. While I actively suspend my belief in realism while watching, it has occurred to me that there are some viewers who actually believe what they see in the movies to be true-life depiction. When you next watch a movie consider the following thoughts on medical injuries. Blood is bright red because of oxygenation. As it dries it becomes a dull red. Old blood is almost brown. Moviemakers would do well to cut themselves and see the transformation of blood through its stages. Knowing the timing, I am constantly laughing at how unrealistic blood looks in many movies. Red yes, realistic no.
Have you ever had a bruise? Number one on my list of complaints is the lack of swelling depicted. That awful bruise is depicted in a purple kind of blotch on the actor's face. But there's no swelling. We wouldn't want to deform the actor's good looks would we? And later the bruise becomes green and yellow. Oh well the movie is only two hours, so there's never enough time to evolve in the healing process. But hey, watch a boxing match and see how horrible it looks to have taken a beating that is severe enough to swell your eye shut.
Instant knockout drug?! Here's a good thought to hold. What in the world is in that dart or what is that knockout drug? Or what is it that they place over the victim's mouth and nose that knocks the person unconscious in about an instant? After many years of watching and then asking my anesthesia colleagues…? I realize that I became aware of the technique while I was watching the original Mission Impossible TV series when I was young. Well, to be honest, there is nothing … repeat nothing!… no drug, nada!…that works instantly. I am aware of few anesthetic drugs that work pretty fast when administered intravenously. Nothing that comes in a dart is accurate enough or in enough quantity to do what the movies suggest. Yes, there are poisons from exotic arrow tips, which will kill you, but even that takes more time than we could take to watch in a movie.
Blood dripping or gushing from the nose and mouth is pretty gruesome and common to see in movie injuries. Unless you were traumatized in the face and mouth, the poor victim usually doesn't have blood vomiting from their mouth or dripping from their nose. A gunshot to the chest may cause you to cough blood. But when I think of all the trauma patients I have seen in the ER, the sight of blood is limited mainly to head injured patients. Yes most gunshots don't leave you gushing with blood.
Entry exit wounds from gunshots and knives tend to be less bloody as well. A gunshot to the head of which I at least have some experience, has an entry wound that is usually not too much to see on the outside. It's inside the skull where the damage is done. But there's nothing gory to see if everything is happening on the inside. I will readily admit to having no particular knowledge of wartime injuries in the field.
Shot or cut, you pick, it hurts. If you've ever slammed a door on your hand or finger, then you know the pain is enough to stop you – at least for a moment. I watched Arnold Schwarznegger take a nail through his hand and all he did was lift his hand up and out, then continued on his merry way. Have you noticed the good guys never die after one shot? And certainly it takes more than one bullet to slow them down. The bad guys all fall down on one shot and sometimes even if the bullet is only in their vicinity. Luckily I have never been shot, but I would figure that there is pain involved. No matter if it is a "clean wound that passed right through," it's got to hurt. That at least has to make you stop and pay notice.
With all the attention to sports concussion in the news these days, I am fascinated with the blows to the head that actors can trade without being incapacitated. I mean if you "have your bell rung" wouldn't your reflexes be just a bit slower. And for heaven's sake wouldn't a solid kick to the head be enough to make you pause.
At the other end of business a good swift kick to the testicles, yeah "balls," is going to make the average male double over and not get up instantly with fists blazing.
Where did anyone get the idea that you can actually aim a gun well? How is it that the cops fire so many shots and only hit the criminal with about 10% of their shots? This is a fact where several celebrated NYC police shooting cases illustrated the lack of handgun accuracy. Multiple shots from multiple police handguns and only a few bullets actually struck the criminal. When I was an intern in general surgery I took care of a man was shot while sitting on his stoop in the South Bronx. The two gunmen with four guns shot him from close range. He was alive and kicking. Unfortunately because of the angle his worst complaint was that he had several scrotal wounds. No brain damage there and certainly no blood dripping from the mouth, nose, or ears. I grant you that one bullet can kill, but then again I have no military experience.
We live in a video reset culture. You die, the game restarts, and you play again. You get to die until your skill is good enough to pass you through to the next level… where you die again until you learn. I will readily admit that I avoided medical TV shows like ER – George Clooney – because the medical inaccuracies were too painful to watch. Nothing is more realistic than the real life and times in front line neurosurgery. The truth might be too scary to watch.
Halloween 2
This seems to be an annual rite. There is a body artist, Andy Galub. He paints his half naked models on the street right before the parade. And hordes of photographers are right there with him. It is quite a scene. Lately Andy has been trying for more attention by painting in the middle of Times Square. I have not been in NY To witness the event but it makes for interesting interaction with the public and the police. Anyway it's all strange but true.
This year will be the first Village parade I have missed since leaving NY. Last year was canceled because of Hurricane Sandy. There are a lot of participants and the avenue is lined 10 deep from Spring St to 23rd St. It's a wild and crazy night. This couple got married right before the parade and like Cinderella rode a coach up the parade route.
Well, I've been to the Village Halloween Parade in NYC for the past seven years. Not this year… I didn't realize it had become a tradition for me. The first couple times I went as pure spectator without a clue as to what to do. Then one year I wandered into the staging area. The NYC police keep everyone out. But it's hard to tell the participants from the organizers. It's chaos and therein lies opportunity. By the good grace of the organizer, Jeanne Flemming, I have been granted a press pass in recent years. It finally made me legal to wander. One of the unique things that happens in the staging area is Andy Golub and his entourage who engage in body painting. He never fails to draw a crowd. Naked women tend to do that. His work goes by so quickly during the parade, that it's hard to believe the fuss. It's dark and I would guess that many of the parade audience never notice that the costumes are just paint. In the staging area, the entertainment is the prep work that goes into high gear hours before sunset. The latest: It turns out that 2012 Superstorm Sandy has caused the cancellation of this year's parade. So it looks like i didn't miss it after all. You can't have a parade if no one can get there to march and there's no one to watch.


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A support notice from the Xbox Video team delivers some bad but not completely unexpected news: Purchased Xbox Video content will no longer be playable through the Zune PC software, Zune devices, or Windows Phone, starting in February.
"Beginning [in] late February 2014, previously purchased Xbox Video content will no longer be playable through the Zune PC client, Zune devices, and Windows Phone 7," the support notice, which was sent via email to Zune users, reads. "In late February, 2014, Xbox will be making an update to our video catalog. This update will allow us to more quickly and efficiently add the highest quality video content to the Xbox Video service."
"As a result, beginning in late February 2014, any Xbox Video content you own as of then, will no longer be playable through the Zune PC client, Zune devices, or Windows Phone 7 devices," the note continues. "We apologize for any inconvenience this may cause. You can still enjoy all of your owned content at XboxVideo.com on your PC or Mac, or on your Xbox One, Xbox 360, Windows 8 & 8.1 PC and tablet, or Windows Phone 8."
That web site, XboxVideo.com, does not exist. Microsoft uses the music.xbox.com URL for its Xbox Music service on the web, so I'd imagine they'll be using video.xbox.com for Xbox Video. But that URL currently doesn't work either. You can visit http://www.xbox.com/video, but that page is just promotional material about the service at the moment, and doesn't let you access your video library or even play previews.
Likewise, you cannot access Xbox Video content on Windows Phone 8 at the moment. But Microsoft did announce recently that it was adding support for Xbox Video to Windows Phone 8, and that update—whatever form it may take—should ship by the end of the year too.
My guess: The changes alluded to in the note above are part of the move to get Xbox Video on the web and on Windows Phone 8, and are perhaps tied to the Xbox One release as well.
Regardless, the news follows an August announcement in which Microsoft halted the purchasing of Xbox Video-based movies and TV shows from Zune Marketplace—accessible from the Zune PC software—as it evolved the underlying platform to support local currency instead of Microsoft Points. I wrote about this change in Zune Marketplace Begins the Long, Slow Goodbye.
Microsoft had previously shut down the Zune web site in October 2012 as it switched from the Zune brand to Xbox Music and Xbox Video.
If you're a Zune device user wondering about your next step, you might consider the Nokia Lumia 520, which costs just $99 and doesn't require a wireless contract. This wonderful little device can also be updated with a 64 GB micro-SD card very cheaply. Check out In Praise of the Nokia Lumia 520 for more info.

subset: commoncrawl


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Why Choose Nunweiler's?
Organic Whole Grain flour isn't new for us. Since we started in 1988 we've always milled our flour this way using a low temperature impact milling process.
Organic Whole Grain flour isn't new for us. Since we started in 1988 we've always milled our flour this way using a low temperature impact milling process.
It's simple . . . and so are our ingredients: ORGANIC whole grain flour,
non-aluminum baking powder and sea salt.
Old fashioned - the way Grandma used to make them.
Excellent as a bread flour, but can be used for all types of baking. This flour makes heavier, full flavoured baked products. Our red spring wheat is consistently a high protein, excellent quality grain – never blended!
Where home baked recipes featuring Nunweiler's flour products are featured.
Grains play an important part of our meals and the nutritional advantages shouldn't be overlooked.
"I love your new product Red Fife Wheat Flour. It has a wonderful flavour when I use it for bread. It's nice to know that I am using a grain that is organic, non GMO whole grain. "
We've just launched our new redesigned website. Read More
Rest assured ... All of our products and ingredients used are Non-GMO Read More
Nunweiler's Flour Co. is proud to be certified organic by Pro-Cert Organic Systems Ltd. They are one of North America's foremost national certifier's of organic products. Read More
Nunweiler's Flour products are all certified 'Calgary Kosher'. Look for the distinct cowboy hat with the Calgary CK Kosher logo inside. Read More
Nunweiler's Flour Co. through Pro-Cert Organics is recognized under the Canada Organic Regime Read More


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The Hornby R2547 4-6-0 Grange Class steam locomotive, named Llanfair Grange with running number 6877 is a DCC Ready OO Gauge loco in GWR green and fine detail. This particular item in our stock is in mint condition and is assumed only every out of packaging for these photos. The model is in OO Gauge scale and an exception example of steam locomotion in model railway form. This is a great opportunity to pick up Hornby's R2547 Llanfair Grange DCC Ready steam loco from Kings Trains.
|Class & Livery
|Grange Class
|Livery Number
|Livery Name
|Llanfair Grange
|Product Specifics
|Model Number
|DCC Status
|DCC Ready
|OO Gauge
|Excellent (Like New with original factory packaging inside)
|Box Status
|Original Box
Llanfair Grange 6877 DCC Ready Hornby R2547 Grange Class 4-6-0 Steam Locomotive
- Brand: Hornby
- Product Code: R2547
- No. In Stock Now: 1


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Archived May 21 2009
Environment & climate - May 21
Click on the headline (link) for the full text.
Many more articles are available through the Energy Bulletin homepage
Healing Mother Earth: E.O. Wilson (video)
E. O. Wilson, FORA TV
Renowned scientist E.O. Wilson delivers a plea for a new human ethic based on a wiser, more careful stewardship of our vanishing natural world while sharing his optimism that we still have an opportunity to save the living things and wild places that sustain us.
Hailed as "Darwin's Natural Heir" and one of "America's 25 Most Influential People" by TIME Magazine, Dr. Wilson is a self-professed "tree hugger."
E. O. Wilson - Edward Osborne Wilson (born June 10, 1929) is an American biologist (Myrmecology, a branch of entomology), researcher (sociobiology, biodiversity), theorist (consilience, biophilia), and naturalist (conservationism). Wilson is known for his career as a scientist, his advocacy for environmentalism, and his scientific humanist ideas concerned with religious, moral, and ethical matters. As of 2007, he was the Pellegrino Research Professor in Entomology for the Department of Organismic and Evolutionary Biology at Harvard University and a Fellow of the Committee for Skeptical Inquiry. He is a Humanist Laureate of the International Academy of Humanism.
(10 May 2009)
Glaciers go, leaving drought, conflict and tension in Andes
Barbara Fraser, The Daily Climate
In a dry land where almost everyone has their eye on their uphill neighbor's water, the Andes are already seeing conflicts erupt as global warming changes water patterns.
ICA, Peru — Two decades ago, the strip of sand between the Pacific Ocean and the Andean foothills was empty except for the occasional fig or carob tree. But the northern end of perhaps the world's driest desert – a harsh and unforgiving clime — is now the center of Peru's export agriculture industry.
Rising demand for irrigation and drinking water is draining the aquifer faster than it can recharge, and a scheme to channel more water from the Andean highlands, which receive seasonal rainfall, is pitting big agribusinesses on the coast against Quechua-speaking llama herders in the mountains.
Experts say the conflict is just one sign of rising tensions over water use as supplies of the vital resource dwindle and shift with changes in climate.
Lapaz"Water belongs to the people who need it most, and we need it most," says Gino Gotuzzo, of the Farmers Association of Ica, who grows asparagus and some other crops on about 60 acres of desert. Up the mountain, however, Quechua-speaking farmers say plans to channel runoff to coastal farms will dry up the spongy high-mountain wetlands where they pasture llamas and alpacas, ruining their livelihood.
El Niño's water refugees
Peruvian officials brush aside the specter of "water refugees." As supplies dwindle, they say, they can channel water from the highlands, where rain falls between October and April, or divert rivers that flow east to Amazonia, which receives more precipitation than its sparse population uses.
Nevertheless, droughts associated with El Niño events in the 1980s and 1990s spurred increased migration from rural areas to cities in Peru, and the exodus from Brazil's chronically drought-stricken northeast is one factor in that country's Amazonian deforestation.
With cities growing and agriculture expanding throughout South America, experts predict that climate change will exacerbate water scarcity, increasing conflicts between competing users, pitting city dwellers against rural residents, people in dry lands against those in areas with abundant rainfall, Andean mining companies against neighboring farm communities, and eucalyptus plantation operators on the Argentinian and Uruguayan plains against farmers who say the trees are sucking the water table dry.
(19 May 2009)
The Flawed Logic of The Cap-and-Trade Debate
Ted Nordhaus and Michael Shellenberger, Yale Environment 360
Two prominent — and iconoclastic — environmentalists argue that current efforts to tax or cap carbon emissions are doomed to failure and that the answer lies not in making dirty energy expensive but in making clean energy cheap.
In early May, anxiety among climate activists about the fate of cap-and-trade legislation erupted into a full-throated roar with the release of a scathing open letter by Dr. James Hansen. In it, the NASA scientist called a bill by Representatives Henry Waxman and Ed Markey a "temple of doom," savaging it for being complex, corrupt, and "a minor tweak to business-as-usual." Hansen called for a carbon tax in its place, one that would establish a "substantial and rising price on carbon emissions."
Hansen was right about Waxman-Markey. It will do little to reduce U.S. emissions, will transfer billions to incumbent energy interests in the form of free pollution permits, and will send billions more to timber, agriculture, and other interests, here and abroad, in the form of dubious "offsets." But Hansen's analysis of why climate legislation has gone so terribly off the rails is wrong.
Hansen argues that the problem has to do with the mechanism by which Waxman-Markey would establish a carbon price — a cap-and-trade system. In this, Hansen is joined by many other greens and economists, who argue that cap-and-trade is a cumbersome and economically inefficient means of establishing a carbon price, one that is particularly vulnerable to manipulation by polluters and politicians.
On the other side of this debate stand many business interests, some prominent climate scientists, and green groups like the Environmental Defense Fund and the Natural Resources Defense Council.
(19 May 2009)
I'm afraid that Nordhaus and Shellenberger do not speak to me.
Some good points, but there's a little too much ego in them - as if they have the oh-so-obvious answers which everyone else is blind to. The battle to avert climate change is going to be messy and confusing, and there are no pain-free perfect answers. By catering to our desire for easy solutions, they subvert the real struggle that is happening right now.
From 'Alarmed' to 'Dismissive': The Six Ways Americans View Global Warming
Yale University Office of Public Affairs
Americans fall into six distinct groups regarding their climate change beliefs, attitudes, and behaviors, according to a new report, "Global Warming's Six Americas," by researchers at Yale and George Mason universities. The researchers, who surveyed 2,129 adult Americans in the fall of 2008, found that these "six Americas" include:
The Alarmed, (18 percent of the population) are most convinced that global warming is happening, caused by humans, and a serious and urgent threat.
The Concerned (33 percent) believe global warming is a serious problem and support an active national response, but are less personally involved and have taken fewer actions than the Alarmed.
The Cautious (19 percent) believe global warming is a problem, but are less certain it is happening. They neither view it as a personal threat nor feel a sense of urgency about it.
The Disengaged (12 percent) do not know much about global warming or whether it is happening and have not thought much about the issue.
The Doubtful (11 percent) are not sure whether global warming is happening, but believe that, if it is, it is caused by natural environmental changes and is a distant threat.
The Dismissive (7 percent) are actively engaged in the issue, but believe that global warming is not happening and does not warrant a national response.
"When we talk about 'the American public' and its views on global warming, that's a misnomer," said Anthony Leiserowitz, director of the Yale Project on Climate Change and a co-author of the report. "There is no single American voice on this issue."
However, the researchers found that the groups sometimes actually behave in similar ways, albeit for different reasons, said Leiserowitz. For instance, all six support actions that save them money, with the Dismissive just as likely to have made energy efficiency improvements to their homes as the Alarmed. Likewise, all six groups support rebates for the purchase of solar panels and fuel-efficient cars, including the Dismissive.
"Too many climate change education and awareness campaigns have been like throwing darts in a dark room," said Leiserowitz. "Climate change is ultimately a human problem. If we want to constructively engage Americans in the solutions, we have to first know our audience."
The full report can be found at http://environment.yale.edu/uploads/6Americas2009.pdf
The study was conducted by the Yale Project on Climate Change and the George Mason University Center for Climate Change Communication. It was funded by the Yale Center for Environmental Law & Policy; the Betsy and Jesse Fink Foundation; the Surdna Foundation; the 11th Hour Project; the Pacific Foundation; and the Robert Wood Johnson Foundation.
(19 May 2009)


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What's bad credit? We're talking a FICO score of 560 to 650. This is where you get shot down for almost everything except a secured card. But, there are some cards for bad credit borrowers that are worth considering.
We'll give you a quick preview of the top cards the Elite Personal Finance credit experts found now:
The Best Credit Card for …
Which Card is Best?
|Credit One Bank Unsecured VISA
Flat 1% cashback,
and free FICOscore access!
|Capital One Platinum MasterCard
NO annual fee,
limit increases after just 5 months!
|Capital One Secured MasterCard
NO annual fee, deposits as low as $49,
and up to a $3,000 limit!
|Discover it Secured Card
Flat 1% + 2% cashback,
on both gas & dining!
|US Bank SKYPASS VISA Secured Card
Sign-up bonus,
worth up to $150!
Everyone has their own definition for each credit status. There's no standardized scaling system to follow. However, a bad credit rating would be considered between a 500 and 650 FICO score under the most recent FICO score variations.
Now keep in mind, there is such a thing as a credit score range worse than 'Bad'. The worst borrowers have between a 500 and 650 FICO score. This is caused by many defaults, oversized debts and closed accounts, and especially by bankruptcy, foreclosure, etc.
So if your credit score is in the 500 to 650 range there will be some options available to you. And we know what you're thinking, "Of course, just a bunch of secured cards that need collateral funds!"
Thankfully that's not the case. There are many unsecured credit cards for bad credit borrowers. This is because card issuers know people run into financial situations at times, but they still want to build their credit back up. So with the right qualification requirements, the issuer can take on new cardholders; of course, the higher risk means a higher reward (more interest / fees) for the credit card provider.
Without further ado, here are the top unsecured credit cards (as ranked by Elite Personal Finance) for borrowers with bad FICO scores.
You can get pre-approved for a Credit One unsecured VISA credit card. If you already have bad credit, this means you won't make it any worse by applying for this card. Because you're qualified without a hard inquiry on your credit report.
You even receive cashback rewards with this card which is a rarity when you look at cards that accept bad credit borrowers.
They pay out a flat 1% on gas and groceries!
Further, you can monitor your FICO score free of charge for as long as you're a Credit One cardholder.
So what's the catch?
According to their Terms, the first year has an annual fee of between $0 and $75 and each subsequent there could be as high as a $99 annual fee. You also have to pay $19 for any authorized user, which is an expense dinged annually.
Say you get a $300 credit limit, well for your first year you can expect to have $225 available when you get the card. The first annual fee will be paid upfront, and then it will be charged to the card each year thereafter.
On the other hand, aside from the good cashback rewards, there are also not many other big issues with this card. For instance, your APR rate will be established by your creditworthiness but you're looking at anything in the range of 15.65% to 24.15% … many other bad score cards run around a 30% APR for all cardholders.
Anyone who plans to put all their regular spending on their credit card should consider the Credit One Bank Unsecured VISA. It is definitely one of the top-rated unsecured cards available for those who have poor creditworthiness. Even with a weak FICO score, you can easily get approved for Credit One's unsecured card.
With a flat 1% cash back on ALL purchases, there's no doubt this is a no-brainer card for bad credit borrowers.
Sign up for the Credit One Unsecured credit card today!
The Capital One Platinum MasterCard is suitable for any bad credit borrower looking to specifically get an unsecured card. It the main alternative to Credit One's unsecured card, but it unfortunately does not come with any cash back rewards.
Yet, there are still many things that make this one of the best credit cards to get if you have a poor credit score.
Why the Platinum MasterCard is GREAT!
This is an unsecured credit card that regularly approves bad credit borrowers. It comes with NO annual fee, which is virtually unheard of for borrowers with horrible credit. Further, credit limit increases begin as soon as 5 month after you activate your card.
Also, we brag about certain added features in the SKYPASS Secured Card because it's one of the few traveler-friendly secured cards around. But, the Platinum MasterCard is just as effective in this category.
Their card includes travel assistant services, 24/7 emergency help, auto rental damage coverage, flight insurance, reimbursement for unexpected medical expenses, travel insurance of a maximum of $500,000 per traveler, and so much more.
So, what are the downsides?
You're looking at a 24.99% variable APR rate. That's the only real downfall with this card. Other than that, it's important to note that you might get rejected if your creditworthiness is very bad.
Sign up for the unsecured Capital One MasterCard today!
If you just want a secured card for the purpose of building your credit, and nothing else, the best route to take is a card with no annual fee. The Capital One Secured MasterCard is a beastly secured card, backed by one of the largest credit card issuers in the industry.
While it doesn't currently graduate to an unsecured card, you do get your collateral back once you close the card. It is also easy to get approved for an unsecured Capital One credit card once you have paid off your secured card on time for a year or so.
As a further bonus, this card comes without any foreign transaction fee.
Now here's the interesting thing, you sign up and give a deposit of $49, $99 or $200. It won't earn you any interest (like some secured card do) but for bad credit borrowers the low deposit amounts are a Godsend. If your creditworthiness is shot right now, you can put $200 up and get a $200 credit limit.
Meanwhile, you could qualify for up to a $3,000 credit limit. This means if your credit is somewhat okay you could put up a small collateral to get a large limit. As this is also a partially unsecured card at this point, the credit bureaus will weigh it more heavily than a traditional secured card. Therefore, the Capital One Secured MasterCard is best for anyone looking to build up their FICO score.
Sign up for the Capital One MasterCard now!
This is a great cashback credit card, the only problem is that it's a secured card. So you will need to put up some collateral funds to get started. By doing so you are guaranteed to get approved and the card can be used to build up your creditworthiness.
In the meanwhile, you'll also get to enjoy excellent cashback rewards. They pay out a flat 1% back on ALL purchases and you can also score 2% back on gas and eating out!
They also match your cashback earnings for your whole FIRST YEAR!
The best thing of all is that the card comes with no annual fee. And, the 23.24% variable APR rate isn't all that bad.
Further, you'll enjoy free FICO score access for as long as you're a Discover cardholder.
So should you sign up for Discover's secured card?
The Discover it Secured Card is a no-brainer, so long as you're on the hunt for a secured credit card. It does come with some issues; your debt gets reported as being on a 'secured 'card instead of 'unsecured' which holds less weight. This means your score won't be moved up as much as it would with an unsecured card.
So, if you just care about boosting your score as much as possible the best thing to do would be to get one of the unsecured cards here. Otherwise, reap the greater rewards of this secured card instead.
Sign up for the Discover it Secured credit card today!
This is another secured card worth looking at, especially if you're a frequent traveler. You can set it up with anywhere from a $300 to $5,000 security deposit.
Most get turned away by SKYPASS's card because of the $50 annual fee and the relatively high 16.24% APR rate. However, you do get a 5,000 mile reward the first time you use the card in a store. Then, on the card anniversary date each year you'll get another 1,000 miles.
With each mile being worth about three cents, you're looking at $50 for your welcome bonus and $10 each year on top of that. So the card pays itself at first, and the 1% on all your purchases will add up quickly as well.
Also, this is a true traveler's card as it comes with $250,000 in traveler's accident insurance, emergency assistance while traveling abroad, and liability protection against auto rental damage.
Your miles are cashed in through a participating company in the SKYPASS PARTNERS program. Through here, you can redeem your miles for various airline flights like those offered by Delta Airlines. You can also cash out for hotel stays, vehicle rentals, and more. Heck, there's even an option to use some of your miles to cover your excess baggage costs.
This credit card lets you go from secured to unsecured once you prove yourself as a worthy borrower. This is a feature that applies to all secured cards offered by US Bank.
However, do keep in mind that that there's a 2% to 3% fee on foreign transactions so you won't really want to use this card actively while outside of the US. This makes it more appealing for frequent domestic travelers in particular.
Sign up for the SKYPASS Secured VISA today!
Getting a credit card with bad credit doesn't have to be impossible. In the past, consumers would apply only to get rejected all the time. Now there is more than enough information available on the Web to figure out which credit cards you can get.
However, this is new information for many bad credit borrowers. If you are one of them there are likely some questions you have still. We'll try our best to answer them below but if you are still wondering something once you're done reading, feel free to ask anything in the comments.
There are some credit cards that bad credit applicants can qualify for, which also come with some sort of reward for signing up. We covered one example in our list, the US Bank SKYPASS VISA secured card
Not all credit cards let you go from secured to unsecured. You have to keep this in mind and decide which card to get based on this fact. If you don't opt for a credit card that graduates from secured to unsecured, then you will eventually be carrying dead weight. At least when you can convert the card, you don't have to close the account (note: doing so hurts your FICO score!) and you can still get your security funds back.
Many cards will let you have a credit limit increase after you pay on your balance on time every single month for a set time frame. Once your limit is increased you will suddenly have part of your card unsecured because it won't have 100% collateral anymore.
Well, there isn't a specific score range your credit rating needs to fall within to get an unsecured card. There are just very few cards that don't require a deposit, and that also report as unsecured to the credit bureaus. These are better for building your FICO score, and it's always great not needing collateral, but they typically come with higher interest and more fees.
A secured card and an unsecured card are fundamentally the same on many levels. Both feature APR rates (interest premiums), they often come with annual fees, balance transfer charges, and maybe even foreign transactions charges. But where the two differ is in how they affect your FICO score!
It's simple: any negative credit actions will have a bad affect on your credit score no matter what. The damage done could be immense, depending on the situation at hand. Yet, if it's a secured card your positive borrowing behavior will have less of an impact — while anything bad can still shoot your FICO score down more.
Therefore, it's best to have an unsecured card as it holds the most weight on your credit report. They do require a higher credit score, in general, but there are still a few unsecured cards out there for those with 'bad credit' FICO scores.
How much of a deposit will you need?
The collateral funds required to secure your credit card will depend on the requirements for the specific card. Some will decide how much collateral you need (if any) based on your creditworthiness. If this happens, it's sometimes possible to put up less than your credit limit amount when securing the card. For instance, on this page we mentioned the Capital One Secured MasterCard which lets you put up as little as $49 for as much as a $2,000 credit limit.
If you are having trouble locating the login page for your credit card, here are some links you can check out that might help:
American Express – https://online.americanexpress.com/myca/logon/us/action/LogonHandler?request_type=LogonHandler&Face=en_US
Call 1-800-528-4800
Bank of America – https://www.bankofamerica.com/sitemap/state-select.go
Call 1-757-4701
Barclaycard US – https://www.barclaycardus.com/
Call 1-877-523-0478
Capital One – https://www.capitalone.com/sign-in/
Call 1-800-481-3239
Chase – https://chaseonline.chase.com/
Call 1-302-594-8200
Citi – https://online.citi.com/US/JPS/portal/Index.do
Call 1-800-347-4934
Discover – https://portal.discover.com/customersvcs/universalLogin/ac_main
Call 1-800-347-2683
PNC – https://www.pnc.com/en/personal-banking/banking/services/manage-credit-card-online.html
Call 1-888-762-2265
USAA – https://www.usaa.com/inet/ent_logon/Logon?akredirect=true
Call 1-800-531-8722
Wells Fargo – https://www.wellsfargofinancialcards.com/eCustService/
Call 1-800-642-4720
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At Allbirds, we constantly ask whether there is a better way. Whenever we can, we find new uses for the materials that naturally exist right in front of us, rather than relying on synthetics.
We are restless, curious, and by no means perfect. The path to making footwear in a better way is a long one, and we're just getting started. Here are a few of our proudest moments so far.
ZQ-Certified Merino Wool
Our merino wool is ZQ-certified, which means it meets stringent standards of sustainable farming and animal welfare. In other words, no sheep were harmed in the making of these shoes.
textile & insoles
Our merino wool requires 60% less energy to produce than typical synthetic materials used in shoes; and castor beans are an incredibly sustainable source for the green polyurethane used in our insoles.
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MANILA, Philippines - Six US and Philippine warships and 1,000 American and Filipino sailors and servicemen will take part in a joint naval exercise in Ayungin Shoal from June 27 to July 2, close to Panatag Shoal off the coast of Zambales, now under the de facto control of China.
Navy spokesman Lt. Cmdr. Gregory Fabic said the US Navy ships will take part in the exercises alongside Philippine Navy and Coast Guard vessels and aircraft, Philippine Marines, and Navy and Coast Guard special operations teams.
"This was planned way back in 2010. Whatever happened since then was purely coincidental,†he said.
Fabic said the maneuvers would be held over 12,347 square kilometers of waters.
"We will focus on communications, naval surface operations, counterterrorism and maritime security,†he said.
Ensign Bernard Sabado of Naval Forces Northern Luzon Public Affairs Office said the joint naval exercises dubbed Cooperation Afloat Readiness and Training (CARAT) will include live fire drills, maritime interdiction, ship boarding and seizure, as well as aerial surveillance.
"In-port†activities will be conducted in several areas of Northern and Central Luzon and Southern Tagalog, specifically at the former US bases in Subic Bay in Zambales and at Clark Field in Pampanga and at the Philippine Marine training base in Ternate, Cavite.
China has been imposing a three-layered naval and maritime defense around Panatag Shoal since last year, effectively driving away Filipino fishermen from getting closer to fish.
Located 124 nautical miles from mainland Zambales, Panatag Shoal has been a traditional Filipino fishing ground until last year when China illegally occupied it.
A Chinese frigate is currently imposing a 20-nautical mile security perimeter from the shoal.
Two to three maritime and surveillance ships are also positioned in the inner perimeter and have been guarding the entrance to the Panatag lagoon on a rotation basis.
The military has rotated troops on Kalayaan island, including those deployed in Ayungin Shoal, where Chinese ships have taken up positions for more than a month now.
Armed Force chief Gen. Emmanuel Bautista said the re-provisioning for the troops has been carried out without any hostile action.
"Periodically, we are doing this troop rotation,†he said.
"We are also re-supplying them. Not only those deployed at Ayungin but those in other islets.â€
The Palawan-based Armed Forces Western Command (Wescom) under Lt. Gen. Rustico Guerrero has operational jurisdiction over Kalayaan island, Pag-Asa island and nearby islets in the Spratlys.
Since last month, Chinese ships have surrounded Ayungin Shoal, about 120 nautical miles from Rizal, Palawan.
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- Home
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- ACT Withdrawing/Non-Returning Student Survey-2006
ACT Withdrawing/Non-Returning Student Survey-2006
The purpose of this study is to assess why students leave the university before completing graduation. During the early fall semester of 2006, the Office of Institutional Research surveyed the students who were enrolled for fall semester 2005 but did not return for spring semester 2006 or fall semester 2006. The 2006 ACT Withdrawing/Non-Returning Student Survey (short form) was mailed to 400 students. Overall, 55 students responded to the survey for a net response rate of 16.3%. This survey consisted of demographic and background questions along with a total of 48 reasons why students did not continue at UND. Some of the findings include:
- Female composed the larger percentage of non-returning respondents (61%)
- Almost all respondents ranged from 19 years to 25 years of age (98%)
- More than one-half of the respondents were freshmen and sophomores (54%)
- The majority of the respondents were Caucasian (98%)
- Most of the respondents were unmarried (94%)
- Most of the respondents were enrolled full-time before leaving UND (98%)
- The major reason for attending UND was to obtain a bachelor�s degree (80%)
- One our of four respondents lived on campus while attending UND (26%)
- Two-thirds of the respondents paid in-state tuition while attending UND (68%)
- Two-thirds of the respondents declared North Dakota as their state of residence (66%)
- Two-thirds of the respondents planned to enroll in college for the coming year (70%)
- Two-thirds of the respondents did not plan to re-enroll at UND (69%)
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Posts Tagged 'dialplan'
We had a great response in turnout to Josh's vSeminar yesterday. Thanks to everyone who made it out, we certainly hope it was beneficial for you!
A few comments from attendees in the ET helped us realize that the next Voice vSeminar, this Friday covering Simplifying Globalization and Localization, might be best held at 4pET/1pPT, rather than the 6pET/3pPT that it was originally scheduled for. So we changed it.
So why a lecture on this topic? Well, every class that I have taught over the last few months has invariably had most students walking in with a printout of the 40+ page, 3-part series on Globalization, Localization, and Mapping the Global to Local Variant blogs that I posted here on this blog a bit back. They all seem to have the same thing to say: "Excellent post, now can you simplify it just a bit for me and can you also explain why we would want to do any of this?". So to that end – I decided to take on the task of helping you understand not only how in a much simpler way, but possibly more importantly, the why of it all. Continue Reading
Tags: call-routing, CCIE Voice, dialplan, Digit Manipulation, globalization, localization
In this post we are going to describe a sample dialplan that could be used with PSTN simulator in your voice lab. Let's start by looking at the following diagram to get basic understanding of the lab topology. In the diagram YY stands for two-digit rack number, for example 01 and 02 for racks 1 and 2, and Y is the last digit of the rack number for example 1 and 2 for racks 11 and 12.
Tags: dialplan, ephone, pstn, translation-rules


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Attorney SEO
lawyersse0Published: October 19, 20151 views
Published: October 19, 2015
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August 25, 2014 18:28 ET
SAN FRANCISCO, CA--(Marketwired - Aug 25, 2014) - INFORUM, The Commonwealth Club's Innovation Lab, announced today that it will host Marissa Mayer on Thursday, Oct. 30th, 2014 for an interview conducted by Marc Benioff, chairman and CEO of salesforce.com, at The Castro Theatre. Mayer, CEO of Yahoo! since 2012, will receive INFORUM's 21st Century Visionary Award. Google's executive chairman, Eric Schmidt, will present the award to Marissa via a video introduction.
The interview will focus on Marissa's bold moves at Yahoo! and her contributions to the tech industry. In addition to the on-stage interview, INFORUM will host a premium reception giving attendees a chance to toast to success with Marissa Mayer and Marc Benioff themselves.
"Marissa designed Google as you know it today, and has done much to transform Yahoo! into a fantastic company," commented Eric Schmidt, executive chairman at Google. "But this award is deserved because virtually every startup in the Bay Area is either founded or populated by people who Marissa hired and trained. That's a real innovator."
Marissa Mayer is the CEO of Yahoo!, one of very few women to run a Fortune 500 company, and No. 1 on Fortune Magazine's "40 Under 40" list, starting her career as the 20th employee at Google. Google enjoyed a meteoric rise to prominence under Mayer's tenure -- she launched successful and groundbreaking products such as Google Maps, Google Earth, Street View, Google News and Gmail. In 2012, Mayer claimed a bigger stage with her appointment as CEO of Yahoo! In just two years, Mayer has launched Yahoo! Screen Live, acquired 17 companies including Tumblr, and spearheaded facelifts for the Yahoo! mail app, homepage and Flickr.
INFORUM's 21st Century Visionary Award is presented to young thinkers who are shaping the future of our world. Past recipients include Jack Dorsey, Dave Eggers, Van Jones, King Abdullah II of Jordan, Cecile Richards and Change.org's Ben Rattray. The 21st Century Visionary Award is bestowed in recognition of special achievement, innovation and distinguished public service.
Marissa will be interviewed by Marc Benioff, chairman and CEO of salesforce.com, who has been named by Fortune as one of the Top 50 People in both tech and business. The interview will take place at The Castro Theatre on Thursday, Oct. 30th, at 7:15 p.m. PT. For more information and to register for tickets, call (415) 597-6705 or register online at commonwealthclub.org/inforum.
About INFORUM
Stay smart and current. The INFORUM division of The Commonwealth Club produces Bay Area events where you can meet celebrities in entertainment, tech, food, design, pop culture and politics. Our audience comprises the most interesting, inquisitive and connected young professionals. Your VIP access goes beyond the Q&As and book signings to include exclusive receptions, dinners, demonstrations, games and prizes for many events.
Get off work and engage your brain for an hour before going out or home. INFORUM is the young professional Commonwealth Club experience.
For PR inquiries:Caroline Moriarity Sacks
(415) 597-6719Email Contact
For PR inquiries:Caroline Moriarity Sacks
(415) 597-6719Email Contact
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international | arts and media | opinion/analysis Thursday December 14, 2017 22:32 by Caoimhghin Ó Croidheáin - Artist caoimhghin at yahoo dot com
Christmas and Our Ever-Changing Relationship with Nature
Christmas is an ancient feast that has many positive associations for people around the world. While the bible places the birth of Christ in Bethlehem it does not say when, but by the 4th century the Churches in the East were celebrating it on January 6 and the Churches of the West on December 25.
The association of Christmas with its earlier midwinter nature worship traditions declined as the Church exerted its power and authority over pagan practices and in more recent centuries as the industrial revolution took people away from the land and into the cities and factories. Since then industrialisation has taken over many aspects of peoples lives as they shifted from being producers to consumers.


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1. Demographia, 5th Annual Demographia International Housing Affordability Survey: 2009 Ratings for Metropolitan Markets, 26 January 2009
2. Bank of England Inflation Calculator
3. Sir John Boyd Orr, Food Health and Income, London, Macmillan, 1936, published for the Market Supply Committee of the Ministry of Agriculture
3. Charles Loch Mowat, Britain Between the Wars, 1918-40, London, Routledge, 1968
4. Ian Abley, 'Development Rights for the Hydrogen-Fuelled Future', chapter 18 in Ian Abley and James Heartfield, editors, Sustaining Architecture in the Anti-machine Age, Chichester, Wiley Academy, 2001, p 210 to 227
5. James Heartfield, Let's Build! - Why we need five million new homes in the next 10 years, London, audacity, 2006
6. Dennis Hardy and Colin Ward, Arcadia for All: The Legacy of a Makeshift Landscape, Nottingham, Five Leaves, 2004, p 302, first published 1984
Plotlands as a measure of affordability 75 years on
Worldwrite How to get a house 04.06.2009
Even in 2009, after the housing bubble burst at the end of 2007, British housing remains unaffordable by measures used to define affordability by the United Nations and the World Bank. Using those internationally established measures Demographia has consistently recommended that the "median-priced house" to buy on the market should cost less than 3 times the "median gross household income" for a market to be called "affordable". (1) With British household income averaging at around £30,000 this suggest that a volume of privately owned housing priced in the middle of the market should be costing no more than £90,000.
Then Britain would have an affordable housing market. Britain doesn't.
Britain doesn't add up 11.03.2009
In 1934, three quarters of a century ago, it was possible for the British workforce to become owners of housing costing about 3 times their household income. Mr and Mrs Mills built a bungalow they called The Haven in the Dunton Hills "plotlands", west of what became the post-war new town of Basildon in Essex. Mr Mills was a carpenter, and he and his wife were aged in their early twenties. They had youth, but more importantly were prepared to make something of their lives.
Essex farmland was often of poor quality, and could not compete on food production, either in Britain, or with imports from abroad. From the end of the nineteenth century unproductive fields were sold to land agents, who then auctioned them off in small plots. By the 1920s and 1930s these auctions were well organised and entertaining. They attracted aspiring Londoners after the First World War, who travelled by train to the "champagne sales" across Essex, and the wider South East. Coastal destinations were popular with working families cramped in poor quality rented accommodation. Many plot buyers were initially interested in a weekend retreat with more living space, since they had to return to work, but this provided regular passengers for the railway companies.
For the Mills household Dunton offered the chance at a permanent home of their own, free of private or public landlord. The Dunton plots were 6m (20ft) wide strips of between 48 and 54m (160 and 180ft) in length. The plots would have been sufficient for terraced houses at a density of 30 homes a hectare allowing for the width of the avenue in front, and cost about £7 each. The Mills were ambitious, and did not want a terrace with all the added complexity and cost of party walls. They bought three gently sloping plots totalling 972 m2. With the avenue that is a detached house density of about 10 homes a hectare. It meant a garden space for Mr Mills to build a workshop, keep a horse and cart, and store bicycles. If business thrived he could park a motor vehicle.
Googling plotlands at 10 to 30 homes a hectare 22.04.2009
The Mills paid £20 for that freehold land in 1934, which is the equivalent of £1,073 today. That would have been about £200 a hectare, and a good sale over the value of agricultural land for the land agent. They took out a mortgage of £45 for materials at the same time, which is £2,414 today. (2) That £65 has to be compared with their income. In 1936 Sir John Boyd Orr published Food Health and Income. (3) He divided the British population into groups of income, with 20 shillings in a pound, and with weekly incomes ranging from 10 to 45 shillings for 80% of people in the mid-1930s:
In the inter-war Depression after 1929 a carpenter may have been in Group 2, which meant the £65 was between two and three years of income. By 1934 Britain was emerging from the worst of the economic crisis but mass-unemployment persisted. There was a Royal Commission on Unemployment between 1930 and 1932. Following the Unemployment Act of 1934 the Unemployment Assistance Board was set up, and the household means test was introduced until 1941. (3) However there was a lot of house building activity in the South East and Mr and Mrs Mills clearly valued their independence. If Mr Mills did well they may have been in Group 3, and the cost of starting their home was twice their annual income. Mrs Mills may have earned a second income, or grown some food in the garden to make up for a lack of income. But theirs was a better prospect than the Demographia figure of a "median multiple" of 3 for affordability. The Mills set about building their home for a total of £65 then, which is £3,487 now, excluding the labour that was required, and without any mains utilities. That was far from comfortable.
Many plotlanders lived in tents while they were building their homes, but the Mills built the workshop first and lived in that. The avenue was a muddy track, water had to be carried from stand pipes down the avenue, and the toilet was at the bottom of the garden. Initially they built two rooms with a central hall, anticipating the kitchen extension onto the garden. As the Mills had their children they added a bedroom. The initial home was very small at about 35m2. With the back bedroom for their two boys, and kitchen, it was increased to about 50m2. The Haven housed a family of four. Subsequent families living there had three children. The bungalow may have been smaller than council housing, but Mr Mills was able to trade from his workshop. It was certainly not as mean as living in private rented accommodation in London. Also they had a chance of paying off the debt to live more cheaply.
Today poor quality agricultural land costs between £10,000 and £15,000 a hectare. Even allowing for a land agent that may mean £50,000 to £100,000 for a hectare, to be sold in plots of between 10 and 20 homes a hectare. That is plots of between 900 and 450m2 allowing for a road and foot path. There are as many, if not more farmers today who would sell their land for housing development at £5,000 a plot.
Add to the plot a £5,000 cost for utilities and £5,000 for various technical and organisational fees, ensuring compliance with current Building Regulations, the contemporary plotlander would need £15,000 to start. If the home was to be 75m2, and built at £800/m2, the construction would cost £60,000. Add a further £5,000 for fitting the house internally, the whole would cost £80,000. That is a suburban home with large garden for less than three times British average household income. How the home is built hardly matters for the purpose of this argument about aspiration and affordability, (4) because it would be better built today than at any time in British history. The Haven was makeshift. Professional builders can make a profit in brick and block construction at £800/m2.
Repeat that 500,000 times, requiring between 25,000 and 50,000 hectares of redundant farmland in Britain. Housing production then matches annual growth in household numbers, and replaces the worst of the ageing British housing stock at a rate of 1% per annum. (5)
Do that every year and the construction industry would transform. If people wanted to avoid using a professional builder, and work like the Mills family to build their own home, they could. Most would not want to, or be able to. They would simply want plenty of living space for as little debt as possible, to pay off as fast as possible. There is no need to make a virtue out of makeshift as Dennis Hardy and Colin Ward tended to do in Arcadia for All, the best study of the British plotlands:
'It is arguable that a society whose industrial base is slipping away, which cannot provide employment for its population, and where house-building, public or private, has reached its lowest ebb for decades, might well seek to encourage rather than deter those who choose to turn their own labour into capital, in housing themselves.' (6)
A home is not really "capital" in the sense of being capable of productive investment. A home is an asset, but it wears out as it is lived in. The difficulty is always finding sufficient finance for a home to be built initially, to be repaid from income. The lack of access to finance means having to make do with the discomfort of living in a tent, or a shed, while trying to save enough to build out of income. For most people in Britain in 1934 as today, incomes are low and savings difficult secure.
However the plotlands show that if land were available today at £5,000 it would be possible to build affordable housing. The problem is that land at these prices does not exist anywhere on the market with benefit of planning approval. Farmers would sell, but no-one buys if they want to build a legal home. Few would risk tens of thousands of pounds on struggling to build a home that planners would work hard to have demolished. Conventional finance would be unavailable to plotlanders in 2009. Yet unless land can be bought at £5,000 a plot today there is going to be no affordable new housing for anyone in Britain.
There is plenty of redundant farmland in Britain in 2009, but no-one is allowed to build on it because of the Town and Country Planning Act that stopped the plotlands in 1947. What Mr and Mrs Mills did for themselves on their own land 75 years ago is today illegal. The law is wrong.
The planning law in 2009 ensures that no-one can build a home in Britain for less than three times an average household income. Planning ensures the housing market stays inflated, even after housing bubbles burst.
If Britain wanted a housing market as Demographia considers affordable we could get rid of the planning law and look to plotlands. However the housing market would deflate to the point where the mortgage market collapsed, seriously affecting the financialised British economy. All we do in Britain is moan about planning and the price of housing, but we don't seriously want to do without planners, or house price inflation.
Ian Abley 05.04.09
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Leather Patch Brown 5x7
Condition: NewExact Size: 5'3"x7'2"Material: LeatherOrigin: IndiaPrimary Colour: BrownSecondary Colour: White
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Tri-Active Exfoliant combines powerful botanic enzymes, salicylic acid and eco-friendly micro-beads which provide ideal physical and biochemical exfoliation. This transformative treatment product dramatically helps to smooth, brighten and soften the skin.
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13 "Back-to-School" Scriptures for Kids
If your family is like ours, right now you're scrambling to fill out 3,476 back-to-school forms, just as you realize that every kid's shoes are too tight and their jeans are too short, and you need to buy $978 worth of pencils and glue sticks. In between fears that you'll need a second mortgage to help you pay for it all, and wondering why oh why we can't just fill out the forms online once for the whole family, you're scratching your head and wondering what happened to summer.
But our kids need more than just glue sticks and non-holey jeans to get them prepared for the new year. Our children need confidence, peace, and a sense of God's love and guiding hand as they start this new year in their life. Kids have so many questions and worries as school starts: Will I get the teacher I wanted? Will this year be really hard? Will my friends still be my friends?
Here are 13 Back-to-School Scriptures to help our children get spiritually prepared for school. I'm planning to read one or two of these scriptures every morning with my kids over the next few weeks. Armed with glue sticks, new jeans, and the Scriptures, our kids are sure to have a great start to the year!
When you're afraid, or lonely, or wondering if God is with you at school
1. "The eyes of the Lord are everywhere, keeping watch on the wicked and the good." –Proverbs 15:3
2. "Be strong and courageous. Do not be terrified; do not be discouraged, for the Lord your God will be with you wherever you go." –Joshua 1:9
3. "Cast all your anxiety on him, because he cares for you." –1 Peter 5:7
4. "This is why I tell you: Don't worry about your life, what you will eat or what you will drink; or about your body, what you will wear. Isn't life more than food and the body more than clothing? Look at the birds of the sky: They don't sow or reap or gather into barns, yet your heavenly Father feeds them. Aren't you worth more than they? Can any of you add a single cubit to his height by worrying? And why do you worry about clothes? Learn how the wildflowers of the field grow: they don't labor or spin thread. Yet I tell you that not even Solomon in all his splendor was adorned like one of these! If that's how God clothes the grass of the field, which is here today and thrown into the furnace tomorrow, won't He do much more for you—you of little faith? So don't worry, saying, 'What will we eat?' or 'What will we drink?' or 'What will we wear?' For the idolaters eagerly seek all these things, and your heavenly Father knows that you need them. But seek first the kingdom of God and His righteousness, and all these things will be provided for you. Therefore don't worry about tomorrow, because tomorrow will worry about itself. Each day has enough trouble of its own." –Matthew 6:25–34, HCSB
5. "The Lord watches over you—the Lord is your shade at your right hand; the sun will not harm you by day, nor the moon by night. The Lord will keep you from all harm—he will watch over your life; the Lord will watch over your coming and going both now and forevermore." –Psalm 121:5–8
6. "Fear not, for I have redeemed you; I have summoned you by name; you are mine. When you pass through the waters, I will be with you; and when you pass through the rivers, they will not sweep over you. When you walk through the fire, you will not be burned…Since you are precious and honored in my sight, and because I love you, I will give men in exchange for you." –Isaiah 43:1–2, 4
Remembering to do the right thing at school
7. "Listen, my son, to your father's instruction and do not forsake your mother's teaching. They will be a garland to grace your head and a chain to adorn your neck. My son, if sinners entice you, do not give in to them." –Proverbs 1:8–10
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8. "My son, do not forget my teaching, but keep my commands in your heart, for they will prolong your life many years and bring you prosperity. Let love and faithfulness never leave you; bind them around your neck, write them on the tablet of your heart. Then you will win favor and a good name in the sight of God and man." –Proverbs 3:1–4
9. "Trust in the Lord with all your heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight. Do not be wise in your own eyes; fear the Lord and shun evil." –Proverbs 1:5–8
10. "Flee the evil desires of youth and pursue righteousness, faith, love and peace, along with those who call on the Lord out of a pure heart. Don't have anything to do with foolish and stupid arguments, because you know they produce quarrels. And the Lord's servant must not be quarrelsome but must be kind to everyone, able to teach, not resentful." –2 Timothy 2:22–24
How to interact with your friends
11. "Don't let anyone look down on you because you are young, but set an example for the believers in speech, in conduct, in love, in faith and in purity." –1 Timothy 4:12
12. "A gentle answer turns away wrath, but a harsh word stirs up anger." –Proverbs 15:1
13. "Be wise in the way you act toward outsiders; make the most of every opportunity. Let your conversation be always full of grace, seasoned with salt, so that you may know how to answer everyone." –Colossians 4:5–6
The Thompson Crazies wish you and your family a great start to the school year!
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Elizabeth works from home as a writer, editor, diaper changer, baby snuggler, laundry slayer, not-so-gourmet chef, kid chauffeur, floor mopper, dog groomer, and tantrum tamer. She is always tired, but it's mostly the good kind.
17 comments
LOVE these!! Sharing! And I will surely be using these with my kids. 🙂
i meditate on Joshua 1:9 (and Joshua 1:8, too 😀 )
Thanks Elizabeth! These are all really inspiring verses for my daughter to hear before school each day. You even chose two of my all-time personal faves–Psa 121 and Isa 43. 🙂
Really helpful i Will teach my kids with thank you do much and god bless
Thank you for the scriptures. I have three teens and one going off to college for the first time. To say the least I am in over my head but God is faithful. I feel new hope to share these and open up discussions about returning to school. I will share this on Fb as I am certain others would love the direction.
I will definitely do this in the mornings with my boys. My four year old is understanding that praying is talking to God. Arming him with scriptures seems ti be the next step.
These are fantastic, and we will use them in our next devotional. A Scripture that helped us in our last devotional was Ecc 3, helping our daughter remember that there's a time for everything under the sun, including a time to talk, laugh and play and a time to focus on what's happening in the classroom. 🙂
Thank you Elizabeth. Got my family devotionals planned for the next couple of weeks! 🙂 With three boys we need all the help we can get!!!! Thanks for taking the time to give to those around you.
I'm back in school teaching and these scriptures are my go to scriptures everyday!
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Pride and Prejudice Volume 1, Chapter 18
Days later Elizabeth is disappointed when Wickham doesn't show up at the ball, but she thinks that he probably planned to be out of town then so that he wouldn't have to be around Darcy, which makes her dislike Darcy all the more. When Darcy asks her to dance, Elizabeth does not want to dance with him because it might be an insult to Wickham. But she can find no polite way to refuse Darcy, and it would be rude to let him know that she knows about how he cheated Wickham. Although she and Darcy speak little during their two dances, she manages to work in Wickham's name just to see what Darcy's response will be. Darcy tries to escape without saying much about Wickham or how he knows him. So Elizabeth takes another jab by mentioning how Darcy once claimed that anyone who loses his good opinion has lost it forever, but the dance ends before she can really lay into him about all his flaws.
Jane comes over as soon as the dance has ended to talk with Elizabeth. She tells Elizabeth that she is wrong to believe that Darcy mistreated Wickham because Bingley, who could never do wrong, tells Jane that although he doesn't know all the details, he does know that Wickham is a scoundrel. Elizabeth, however, doesn't want to believe ill of Wickham.
Mr. Collins then embarrasses Elizabeth by going to introduce himself to Darcy since he has learned that Darcy is the nephew of his patroness, Lady De Bourgh. But the embarrassment does not end there. At supper, Mrs. Bennet brags so loudly of her expectations that Bingley will marry Jane that Elizabeth is mortified because Darcy is sitting silently across the table hearing every shameful remark that Mrs. Bennet makes.
After supper, Mary, the middle Bennet sister, adds to the humiliation by singing for everyone despite her lack of musical talent. She doesn't leave the piano and shut up until her father insists that she must stop. But the grand finale is that the Bennet family is the last to leave and they don't move quickly about leaving. Elizabeth is mortified by her family's imposition on Bingley and even moreso by the prospect of giving Darcy and Bingley's sisters any more ammunition. As they are leaving, Mrs. Bennet presses Bingley to accept an invitation to an informal dinner when he returns from London. He is leaving the next morning, but will be back soon.
On the way home from the ball Mrs. Bennet thinks of how happy she is to get rid of Elizabeth to Mr. Collins because Elizabeth is her least favorite child. But Mrs. Bennet is extremely happy for Jane's good match with Bingley, which is certain in Mrs. Bennet's mind.


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The 2016-2017 Com-J special project, State of Immigration, is a special report that looks into the lived experience of immigration in Alabama in 2017. Built in the Atavist platform, State of Immigration was reported, edited, and produced by Masters students Samantha Hill, Thomas Howard, Keith Huffman, Chelsea Jarvis, Cameron Kiszla, and Benjamin Pockstaller.
Shadows of the System now live
The 2015-2016 Com-J special project, Shadows of the System, is an in-depth look at often overlooked factors affecting prison reform is Alabama. Built in the Atavist platform, Shadows of the System was reported, edited, and produced by Masters students Troy Herring, Kayla Howard, Tyra L. Jackson, Lee McCalister and Casey Voyles.
2014-2015 Com-J project wins SPJ awards
Downstream, the 2014-2015 Com-J special group project, has received Region 3 Mark of Excellence Awards. The project was named a finalist in Online In-Depth Reporting and in Best Use of Multimedia.
2013-2014 Com-J projects are live
This year's Com-J projects:
Open Arms | openarms.ua.edu (Ryan Phillips)
A Tuscaloosa-area jobs board for people with disabilities.
All About the "G" | fandom.ua.edu (Zac Al-Khateeb)
A profile of southern football culture in Gordo, Ala.
Oversupply: Unraveling the Student Housing Myth | oversupply.ua.edu (Taylor Manning)
A piece of explanatory journalism about off-campus housing in Tuscaloosa.
Food Insecurity | foodinsecurity.ua.edu (Elizabeth Manning)
A map-based examination of food insecurity in the Tuscaloosa area.
Caregivers | caregivers.ua.edu (Laura Monroe)
A documentary project about four families caring for loved ones with Alzheimer's.
Brew Crew | brewcrew.ua.edu (Elizabeth Lowder)
A video profile of Alabama's craft-beer community.
Backwaters | backwaters.ua.edu (Tim Steere)
A multimedia storytelling project about Alabamians connected to the Black Warrior River.
Shelved project featured in national media outlets
Students in the 2012-2013 ComJ class collaborated with undergraduate journalism majors and The Anniston Star on Shelved, a year-long project to examine book challenges in Alabama public schools. This past Sunday, the Star published the first story in the series, Who decides which books are available in the state's school libraries?
The Star/University of Alabama team set out last fall to collect all book challenge forms filed in the past five years in the state's 132 city and county school districts and a few state-supported schools that aren't part of typical districts. Some districts responded immediately; some responded after multiple requests for the forms, which are public record.
The 2012-2013 ComJ projects are live
During the fall semester, the 2012-2013 ComJ students each identified a fundamental community problem and then conceptualized an innovative online approach to addressing that problem.
For the first eight weeks of the spring semester, with the assistance of students from the University of Alabama's Computer-Based Honors Program, they produced first iterations of their projects and then presented them during the department's annual JDay on March 14.
This year's projects:
- By combining written stories, audio, video and still images, Leah Cayson's What is Beauty is a storytelling website for women on campus who have struggled with body image.
- Madasyn Czebiniak's Bike Theft project combines mapping, campus crime data about and tips on preventing campus bike theft.
- Courtney Davies created MXcluvise to give an in-depth,photo-driven look into the world of motocross.
- Debra Flax's Braving the Homefront is a day-in-the-life multimedia series chronicling student veterans on the University of Alabama campus.
- Sara Milledge's Piper Place is an immersive narrative that aim to humanize mental illness by profiling a mental health community in Birmingham.
- For her Eating Tuscaloosa project, Katie Turpen chose food as the lens through which to look at the intersections of UA students and the surrounding community.
ComJ 2010-2011 "New in News" projects
Welcome to "New in News," a roundup of digital news projects created by 2010-2011 students in UA's Community Journalism Master's program. Explore the four projects below, each of which informs and helps create community around specific topics.
Alaware: For her Alaware project, Kristen Klayko has digitized and added meaningful metadata to the entire Alabama state constitution — all 340,000+ words of it.
The project is fueled by the belief that in order to have a meaningful conversation about reforming the constitution, citizens of the state need to have easier access to it and more context to its content.
Visit http://www.alaware.ua.edu.
CrowdToPublic: Alison Smith's CrowdToPublic takes journalists and other community storytellers through the step-by-step process of building an online news space. Covering everything from hosting to content management systems, from plugins to site analytics, CrowdToPublic gives an overview of options available to community journalists and suggests a "best practices" approach.
Visit http://www.crowdtopublic.ua.edu.
Overuse Injuries: Allyson Angle's Overuse Injuries site is meant to serve as a community forum where parents, coaches, medical professionals and athletes can share experiences and information about a serious but underreported problem in youth sports.
Users can submit injury reports and use Google's Body Browser to navigate through layers of injury hot spots. The site also provides resources and links to stories related to youth overuse injuries.
Visit http://www.overuse.ua.edu.
Blue Laws: The goal of Brian Anderson's Project Blue Laws is to provide the Tuscaloosa community with context for the debate over laws that have traditionally governed alcohol sales.
The project aggregates work by Tuscaloosa-area news outlets, as well as opinions of Tuscaloosa residents, to look closely at all the angles relating to blue laws, and give easy access for an audience to look at these angles in depth.
This project is under construction and is coming soon.
ComJ: Master's Program in Community Journalism
Do you want to explore new ways to serve communities through the constantly evolving practice of journalism?
Do you want to think more critically about the role journalism plays in the communities it serves?
Do you want to develop writing and visual journalism skills and learn more about digital media and news innovations?
Do you want to intern in the newsroom of the acclaimed Anniston Star newspaper?
Do you want to do all that in one year?
Age Differences For Alternate Media Use
How Different Age Groups Use and Want Their News
by Howard D. Gaddy
Knight Fellow in Community Journalism, University of Alabama
[Download the research report]
When I was a general assignment reporter for a small daily in Jasper, Ala., the entire newsroom staff was called into the managing editor's office to get our legs striped about wasting time on Facebook. Had someone told me this extremely effective time-waster would be a major news tool in the next few years, I would have smiled politely and started slowly stepping away.
Shortly after I left the newspaper, however, that's exactly what happened. The assistant managing editor, James Phillips, got a promotion, and he started using the site as a way to provide breaking news to readers.
Within a year the small newspaper gained 2,699 Facebook followers, compared to the 4,071 Facebook followers of al.com, the online home for Alabama's three largest newspapers. Read the rest of this entry »
About ComJ
The University of Alabama's one-year Master's Program in Community Journalism, or ComJ, encourages students to think critically about the role news plays in community and to explore new ways to serve communities through the evolving practices of journalism.
Read more about the ComJ program.


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"Bangkok 3 night Stopover"
Per Adult From
$290ex, Bangkok
$290ex, Bangkok
$290ex, Bangkok
Price Inclusions
* Return Airport Transfers
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Bandara Suites Silom At a Glance
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- Great location & the best in Bangkok for families
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Full Service Resort
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Despite the nearness of extravagant shops, restaurants, pubs, and night clubs, once at the Bandara Suites Silom there is a pervading sense of quiet and tranquility. When you arrive at the Bandara Suites Silom, our objective is to melt away the metropolis mood with our pure Asian hospitality. The suites are stylish and lush with all the comforts and accoutrements of home and special needs you might require. Bandara Suites Silom is comprised of 2 high rise buildings. Chin house is a 17 storey structure with 48 units of exclusively serviced residence designed to match the Bandara Suites concept. Accommodation choices at Bandara Suites Silom include Deluxe Rooms and 1 Bedroom Suites that cater best to couples and 2 Bedroom Suites that are ideal for families of up to 5 people or groups of friends as these have 2 separate bedrooms, a large living room, fully equipped kitchen and 2 bathrooms. Every room offers the maximum in modern facilities, amenities and attentive service.


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OnlineBizServices is your one-stop solution for the best quality online services, from content writing, digital marketing, graphic designing to video services and mobile apps. Our team of digital professionals will help build your small business online.
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A viral video can give your brand or business a whole new audience you never thought you could reach. On the other hand, a professional presentation video can present your message with refinement and sophistication. The only problem is that creating these type of marketing videos isn't as easy as it seems if you don't acquire the proper expertise or own the necessary production equipment. Whether you have a visualization or simply a basic concept for your video, our team is waiting to bring it to life. The HD videos we plan and produce involve a range of effects, multiple angles and advanced editing, allowing us to customize your video according to your specific video marketing needs.
Explainer Videos
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Denver Tennis Club
400 E. Forest St.
Denver, CO 80220
Denver, CO 80220
Best Of
The Denver Tennis Club has had its courts open since 1928, making it the oldest club of its kind in the city. It's an integral part of the tennis community, annually hosting both the Denver City Open and the Denver Junior City Open. There are a variety of membership types and a dozen courts to choose from.
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My name is Fredrik Skarstedt and I was born in Stockholm, Sweden. I immigrated to the US way back in 1998 to be with my wife and now live in Indianapolis, IN with my wife and 2 kids.
I am a 2D artist and I love creating UI for games as well as designing and making them. Love it. I've been doing it for a quite awhile now and I plan on drawing my whole life and keep making games as long as I can.
When I am not drawing or cooking up new plans for making games my most favorite things to do involve creating in one way or the other, like playing guitar, cooking, sculpting and making snow frogs together with my family.
I am super happy you took the time to visit my site! Let's make some cool projects together, so don't hesitate to contact me!
Me, daughter and Pöpli, her stuffed dog.


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Evolution Brands is a brand development consulting group. Every campaign, strategy, and solution we create is personalized to your business needs, the needs of your employees, and, most importantly, the needs of potential and current customers. Each client is a unique organization with specific needs. We approach and perform every project with the utmost care, offering our many years of relevant experience.
We take pride in our innovative spirit and strong work ethic. We know that success takes a solid combination of inspiration and perspiration. We take the time to understand what drives our clients and their clients, and the client's ideal consumer. Then, through a combination of experience, technique, creativity, and good old fashioned elbow grease, we deliver.


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Cyber Security
WetStone Technologies, part of Allen's Cyber Security Division, performs advanced research and development to help solve some of the toughest challenges within information assurance and digital investigation. We have successfully executed over 50 DoD and NIJ research and development programs focused on such activities. In 2007 WetStone received the Tibbetts award recognizing our work in fingerprint biometric "liveness." Other areas of ongoing research include: information assurance within airborne networks, high assurance time stamping and synchronization, dynamic quarantine of worms, live system interrogation, steganography analysis, and malware DNA.
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Welcome to Marbrin Olive Farm
Visit us in Robertson Breede River Valley
and enjoy the relaxed ambiance as well as the taste of our olives and olive oil
"The olive tree is surely the richest gift of heaven."
Sample our Extra Virgin Olive Oil
We are a small family-run boutique olive farm nestled in the renowned Robertson Breede River Valley surrounded by the Langeberg and Riviersonderend Mountains. We extract extra virgin olive oil and process our own unique range of table olives and tapenade. Come and enjoy the ambiance of the Robertson Valley as well as the taste of our olives and olive oil, a fruit well-known for its remarkable health benefits.
OPEN Mon-Fri 9am-4pm
OPEN Saturday 9am-2pm
CLOSED on Sunday
Public Holidays 10am-2pm
Extra Virgin Olive Oil is a natural source of anti-oxidants, omega 3, omega 6 and vitamins. Marbrin's award-winning extra virgin olive oil is a delicious and perfectly balanced blend of Frantoio, Coratina and Mission olive cultivars.
The ancient olive tree, basket of olives and family Airedale Terrier depict our belief in the importance of food, health, friends and family to life. We hope this product enhances the flavour of your food as you enjoy the many health benefits for which olives are famous.
Marbrin Olive Farm uses the freshest olives and latest two-phase decanter technology. Cold extraction temperatures and stainless steel storage tanks to ensure that our olive oil is bursting with nutrients, vitamins, anti-oxidants and freshness.
This and the unique terroir of the Robertson valley culminate in an extra-virgin olive oil of superior award-winning quality and exceptional flavour.
Marbrin is a multiple award winning South African EVOO producer and walked away with gold at the 2011/12/13/14/15/16 and 2017 SA Olive Awards – our oils have also been selected in the ABSA Top 5 and ABSA Top 10 Extra Virgin Olive oils in South Africa.
We received medals in all 3 categories pertaining to the various styles of Olive Oil – Delicate , Medium/Mild and Intense .
Our success across the board at the annual awards illustrates the diversity of our land and our soil and the passion we have for making pure EVOO.
We were awarded 1 of the ABSA Top 5 olive oils in SA for 2016 and for 2017 ABSA changed the Top 5 to the Top 10 and we walked away with it again
We invite you to visit us in Robertson Valley and experience a unique, up-close tour of our olive farm and to learn about how olives and olive oils are processed. You'll also be able to taste our olive oils, try different cultivars of olives and our range of home-made olive tapenades.
Experience beautiful views from our factory's terrace while enjoying healthy and delicious Mediterranean dishes prepared with love and,of course – our exceptional olive products… Pop in Monday to Friday 9am till 4pm, Saturday 9AM-2PM, CLOSED on Sundays.
For groups of 10 or more please contact us in advance.
"We managed to find this wonderful place who grow and sell their own extra virgin olive oil and a few variations of their oil, also balsamic vinegar. Their olives are beautiful also. We were given a tasting by briony who explained everything well."
Susan J. (United Kingdom)
"We traveled by car from Stellenbosch to Montagu and stopped for lunch in Robertson. A quick look on TripAdvisor revealed Marbrin as a good place to stop. It was a little hard to find but Google maps helped us the last bit. We got a very warming welcome and got to taste some excellent olive products. This place is a must if you're passing through."
mnaverfeldt (Sweden)
"Amazing detailed friendly meet with this hard working, passionate olive farmer. A few tricks in the book. Ideas and explanations about product, produce farming and usage. Hugely entertaining as well as the dogs on the farm. The sedes would recommend anyone making a booking for a tasting, or pop in to have a peak in the shop!"
Nils (Cape Town)
Marbrin wins Gold at the 2017 SA Olive oil Awards
We are very excited to announce that for the 7th year in a row, Marbrin won Gold…read more
Pasta and Evoo Olive Oil Recipe
Looking for a nice easy week night meal which incorporates a healthy intensive olive oil? This recipe is so ……..read more
ABSA Top 5 Olive Oils in South Africa
We are very excited to announce that our 2016 Intense Vintage has won a place in the ABSA Top 5 EVOO's in South Africa …..read more
Thank you for visiting our website.
Opening Hours- Monday to Friday 9am-4pm
Saturday – 9am to 2pm
Public Holidays 10am-2pm
For Groups of 10 or more, Please phone and book
Cell: +27 73 840 8228 | +27 78 916 3606
Email: firstname.lastname@example.com
Klaasvoogds EAST
Western Cape
South Africa
- GPS Coordinates: -33.812101 S, 20.00603 E