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New Staff Member!
Dear Friends,
We are so excited to announce our new staff member. Breanna Mendenhall is joining Vision4Living Ministries as a Administrative assistant. This is a huge answer to prayer as our admin duties have increased. This will free up more time for dad and myself to focus more on writing and development. Breanna is a very capable individual who will serve the ministry with a heart and passion for seeing the gospel continue from generation to generation. She has a clear vision for how her role will further kingdom work through V4L for the glory of God. Her years of experience will serve well as she joins the team. Welcome to the team Breanna! What a joy to have one who's passion is Christ and life is the gospel.
For His Glory,
"Behold Your God"
'Behold Your God'
Hebrews 1
What comes to mind when you think of Christmas; presents, decorations, shopping, bustling, parties, family…? I think of these things. I enjoy the traditional elements of Christmas.
But these are (or should be) but the by-product of something much more thrilling, much more eternally significant. For those who know Christ, these are the expressions of an incomprehensible reality. Christmas is a man-made holiday with some pagan elements. But for believers, it is much more: the celebration of the incarnation. So come with me brother and sister in Christ, and "Behold Your God".
That God would stoop to reveal Himself to man is incomprehensible. But the Old Testament is full of testimony of such communication. From Adam in Genesis through Malachi, God has spoken: through sacrifices, Noah's Ark, the Passover, the mercy seat, and many prophets. But God's ultimate communication of Himself is in a Son; His Son. What the Patriarchs anticipated, and the Prophets announced, was fulfilled in the coming of the Lord Jesus Christ. Old Testament saints were saved by faith in the coming Christ, a faith completed in Christ and New Testament believers (Heb. 11:39,40). Never let it be thought that Old Testament saints were saved any other way. They were saved by faith in Christ. The Old Covenant revelation was partial. The New Covenant revelation in Christ is perfect. God Himself has put His "Selah" on it. He has spoken in His Son, with Whom He is well pleased. Hebrews 1:2,3 expounds this great truth. (1.) Christ is the possessor of God's creation (heir to all things). (2.) Christ is the projector of God's glory (the brightness of God's glory). (3.) Christ is the personification of God's self (express image of His person). (4.) Christ is the power of God's order (upholding all things by the world of His power). (5.) Christ is the purifier of God's people (when He by Himself had purged our sins). This is the Christ of Christmas, the Babe in whom dwells all the fullness of God.
God is not only revealed in the Son. He is revered in the Son. Christmas, the incarnation, is about the manifestation and glorification of God in Christ. All the fullness of God dwells in Christ He is no "lesser" God or mere God-like man. He is God of very God and worthy to be worshiped.
He is worthy by His Divine relationship. "He has by inheritance obtained a more excellent name than (the angels)."They were created, but He is the Firstborn (v.6). Firstborn is a designation of rank and importance, Christ is the eternal "Firstborn" of the Father: the Son.
He is worthy by His Divine right. That was a term used by kings of old to assert their right to rule. They saw themselves as appointed by God to rule. But the Father Himself says of Christ: "Your throne, O God, is forever and ever…" "Let all the angels of God worship Him (vv. 7&6)." Christ says of Himself; "…before Abraham was, I am (John 8:58)."
He is worthy by His Divine righteousness. God chose David to be king because he was a man after God's own heart. David loved righteousness. But he sinned. But when God sent His son, He provided a righteous King; One who loves righteousness and is perfectly righteous. He was not only able not to sin, but more importantly and essentially, unable to sin. He is worthy of worship.
God is revealed in the person of Christ. God is revered in the person of Christ. And God remains in the person of Christ, for Christ is the co-eternal second person of the God-head (vv.10-13). Christ is the co-eternal Creator of all things, and the co-eternal conqueror of all things. The writer of Hebrews draws a stark contrast between the Creator and creation. There is no blurring of the lines, no room for pantheism. The creation is likened to a garment, subject to wear and decay. Christ the Creator is everlasting, unchanging, ageless. "Jesus Christ, the same yesterday, today, and forever (Heb. 13:8)."
The eternal Creator is also the eternal Conqueror. No angel has ever been told by the Father; "sit at My right hand until I make Your enemies your footstool (1:13)." Christ is the ruler of heaven and earth. "He rules the world with truth and grace, and makes the nations prove the glories of His righteousness and wonders of His love. "Without father, without mother, without descent, having neither beginning of days nor end of life…(Heb. 7:3)." The Christ of Christmas is the eternal God. "Veiled in flesh the Godhead see; Hail the incarnate Deity. Pleased as man with men to dwell; Jesus our Emmanuel."
Perhaps no uninspired writer has expressed the glory of Christmas and the incarnation better than H.R. Bramley.
"A babe on the breast of a maiden He lies,
Yet sits with the Father on high in the skies,
Before Him their faces the seraphim hide,
While Joseph stands waiting, unscared by His side."
"Oh wonder of wonders, which none can unfold!
The Ancient of Days is an hour or two old,
The Maker of all things is made of the earth,
Man is worshipped by angels, and God comes to birth."
"The Word in the bliss of the Godhead remains,
Yet in flesh comes to suffer the keenest of pains,
He is that He was and forever shall be,
But becomes what He was not for you and for me. "
Merry Christmas,
Charles Cavanaugh
P4C'11 MP3's have Arrived!
Dear friends,
The depth of teaching in God's word and the depth of fellowship that was had at P4C'11 this year is hard to describe. The Lord blessed the faithful preaching of His word as it landed on the fertil soil of the attendees hearts. Many of you could not attended or did not fall into the category of this event. So, for those of you who could not be there, we have posted these audios for you to get a glimpse of what God did and glean from the depth of the preaching of God's word. If you did attend, then they are here for you to continue the spark of growth that God began in your heart at P4C. Fill free to share these with others that would benefit from them. We do apologize in advance. Some of the audios have a few glitches on them, but they are audible. Hope you enjoy and as always we love hearing your feedback.
For His Glory,
Daniel Cavanaugh
Foundation – Charles Cavanaugh
Sanctification – Charles Cavanaugh


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When your neighbors are (not) nice to you (2013-ongoing)
The project started as a response to "Jericho Walks" performed by a number of evangelical Korean churches. For the past decade, many Christian churches in Korea have organized walks around Buddhist temples, Muslim mosques as well as gay areas both in and outside of Korea claiming that the places are full of sinners.
Since early 2013, I have been doing personal walks around Mega churches in Korea where there were major scandals from illegal inheritance to adulteries of pastors, and have documented the performance as videos and photography. Recently I have extended this project to Korean churches in Los Angeles area where I currently live and there are over 500 Korean churches.
The project includes photography, film, music video and a website. For more details, visit here

subset: commoncrawl


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The Philosopher's Walk in Kyoto, Japan commemorates the Japanese Jamesian Kitaro Nishida.
And so does San Francisco's Philosopher's Way, in McLaren Park.
A virtual walk engages the imagination but not the senses, and not that vital sense of the ever-fleeting "nick of time" that Thoreau toed. So, it's no substitute for the real thing. But this is still terrific. I'm going to SF, as soon as I can. It's been too many years since my last Giants game anyway.
Meanwhile, I'm adding Nishida and his philosophy of attention to my stable of pedestrian philosophers. His "musing" plaque in the park, if you missed it:
Thinking has its own laws. It functions of its own accord and does not follow our will. To merge with the act of thought – that is, to direct one's attention to it – is voluntary, but I think perception is the same in this respect: we are able to see what we want to see by freely turning our attention towards it.
Increasingly I am persuaded that controlled attention may be as close to the secret of life as we'll ever come.


text: Logically, the growth of a company and the increase of its activity rhyme with the need to integrate new collaborators in a short time, Companies must then recruit one, two employees at a time, or even an entire team when a service must be created in its entirety. The "human" dimension of human resources then becomes meaningful. The integration of these employees does not depend solely on the role they play within the company. It also involves efforts to integrate these new elements with a team or the company itself, to develop their well-being, to…Read More


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Once you have the post ready, hit the "Add Post" button to complete the re-share.


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Going Nowhere But Up
Jan. 24, 2001
TEMPE, Ariz. - After riding the win-loss roller coaster for several games we finally got two in a row, and more impressively on the road which is something the program hasn't done in over twenty years in Southern California. A road sweep, along with Oregon losing to Washington State and UCLA beating our interstate rival Arizona, puts us in a good place in the PAC-10 standings going into this Saturdays game. One of the keys to our recent success has been unselfish play and distribution in our offensive attack, with the bench getting notable recognition for their efforts this weekend from Coach Turner-Thorne. Although Brett Leonard has yet to start a game this year, she deserves recognition for both her aggressive play and leadership finishing both games this weekend with clutch performances.
With the teams success comes a lot of individual recognition, but as Amanda Levens, PAC-10 player of the week, knows awards like this are few and far between unless your team is winning. With the attention the program is receiving there has been a natural increase of pride, as we continuing playing more and more for what's on the front of our jerseys, instead of what's on the back.
Togetherness is a common theme you hear from inside our huddles, and it becomes even more important as the games continue to get more and more intense at home and on the road. One of the great things about winning on the road is we get dessert after the game. However childish this bribe may seem, it's funny how a common goal can give us that edge we need to come together on the road. And as the Pac-10 is a conference that has always proved very up and down where anyone can win every game, it can come down to the littlest of things.
With spirits high and an upward momentum, the ASU vs. U of A game should be one of great emotion, and when emotion is high in an interstate rival game anything can happen. Once again it will come down to doing the little things, and pride of who we are and who we're representing. We will not stop until we reach the top and have the ability to look back and say - WE TOOK CARE OF BUSINESS TOGETHER!
The 'Middle-Of-Nowhere' OutfieldMay 15 '03
2013-14 Pac-12 Year in ReviewJul 15 '14
Pac-12 PlaylistTODAY | 7:00pm PTLive
Pac-12 PlaylistTOMORROW | 7:00pm PTLive
Pac-12 PlaylistThu 8/16 | 7:00pm PTLive


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Fortitude Canine
Kauffman's FORTITUDE Canine is a palatable, natural whole food supplement for dogs, supplying a blend of omega-3 fatty acids, including DHA from DHA GOLD® and ALA from flaxseed; a minimally processed antioxidant-rich blend of greens, sprouts, fruit and vegetables; and a pre-biotic/live probiotic blend for digestive health. Feeding a dog a natural whole food supplement introduces numerous health promoting, non-synthetic substances into the gastrointestinal tract that work together for buoyant physical and mental health and longevity. This supplement is recommended for growing pups, reproducing and aging animals, as well as for desired improvements in skin health, coat sheen, and appearance.
Kauffman's Fortitude Canine comes in two different types both which have benefits on a dog's health. Our Fortitude Canine joint is a great supplement to help which dog's joint pain. If you have an aging dog who is showing signs of lameness or osteoarthritis our Fortitude for dogs joints is the perfect supplement for an aging dogs joints.
Our other Fortitude Canine option is our Fortitude Canine with Algal DHA is great for dogs of all ages. The multi-purpose canine supplement is perfect for everyday use and has a variety of different benefits for dogs. This supplement can improve overall skin health, and coat appearance. If you have bought a new puppy or have an older dog with skin issues, our Fortitude Canine with Algal DHA is the right dog health supplement for you.
Check out our different pricing options, and contact us today to find out how our Fortitude Canine can benefit your dog's health!
Fortitude Canine Joint$40.95 - $161.90
Fortitude Canine with Algal DHA$24.75 - $94.99


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Speaker: Ben Temple
Come along and learn the fundamentals of building a website using WordPress, the most popular content management system or CMS on the planet. You can then have at least some knowledge as to what goes on behind the scenes, which in turn provides you with the opportunity to make informed decisions as to how you would like your website to look and feel for user experience.
By the end of this talk, you will have a basic knowledge of how to set up your own website, with your own domain name and webhosting package using WordPress.


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Featured Listing
Featured Searches
Massachusetts - Pennsylvania
Connecticut - Maryland
Sharing economy poses risks as well as rewards
Published Date 5/24/2018
While the car and home-sharing economies may be a point of irritation to traditionalists (taxi drivers and perhaps the neighbors of AirBnb landlords), it seems clear it's not going away any time soon.
If you, like so many others across the nation, are considering turning all or part of your home into a short-term rental property, however, there are a number of things to consider before taking that leap.
As the home-sharing trend grows, those homeowners who participate are essentially becoming small business owners, meaning legal as well as financial issues enter the picture. At the top of this list are both risk as well as liability protections. But if this is your first business, you may have dollar signs in your head but have little experience in dealing with risk.
In a 2017 article, Entrepreneur Magazine cited a survey by global risk solutions provider Assurant that revealed nearly two-thirds of homeowners were uncertain whether their homeowners' insurance policy covers vacation renters, while 55 percent said they have no idea who is responsible or liable if something goes wrong.
Although most people claim to follow the rules when home sharing (such as staying within the guidelines specifying the maximum number of guests or staying past check out time), exceptions can wreak havoc. This means owners need to prepare for disaster and act accordingly.
No matter which insurance policy you have in place, make sure you sit down with your insurer to determine the limits of your policy. Some may not allow more than a few day's stay by your vacationing tenants or require an endorsement or rider to an existing homeowner's policy to cover losses from having a limited number of short-term rentals. This can indeed result in higher premiums or even a policy being canceled. But it's better to know than not know what lies ahead with a decision of this kind. It's likely that no matter what, an insurance policy upgrade will be required.
According to the article, the biggest misunderstanding when it comes to home-sharing protection is the need for "commercial use exclusion clauses" and the $1 million policies marketed by home-sharing companies.
Most insurers see renting out a home on a regular basis as a commercial enterprise, and many will deny claims based on a commercial use exclusion clause in the homeowners' policy. That means you — the owner — are liable if someone gets injured dragging their luggage up the stairs or burning their hands on the toaster oven. Some policies may even indicate that "occasional home-sharing" is allowed, but in very vague terms — not enough for you to assume they have your back. Unless you want to test this out the hard way, it's prudent to get information like this ahead of time, taking the time to note your policy's long list of terms, conditions, and exclusions.
Working with your insurer, you can customize your policy, specifying the maximum number of nights per month it will be available to rent, allowing for liability coverage differentiating between a condo and a single family home, and even a policy that will reimburse lost future revenue due to guest damage.
As in any business, there are risks as well as rewards to profiting off this home-sharing (ad)venture. The key here is making sure you are prepared for the worst while hoping for the best.
Source: Entrepreneur, TBWS
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Time Lords
This dynamic, high-energy training program tackles one of the most common problems faced by today's workforce - too much to do and not enough time!
Although no magic wand is involved and more hours cannot be added to your day, key time management techniques will help you take control of your habits, choices, actions, attention and energy!
Your team will learn to balance their workloads and implement new systems to ensure higher productivity and a more positive approach to tasks and deadlines. Developing an effective and beneficial collaboration with others will also be explored as optimum communication and delegation will be discussed in depth.
Inside Info
'Time Lords is the perfect morning workshop to get a team looking at team building from a positive perspective. Time is so precious that guests sometimes feel they are missing out on valuable work time by attending an away day. This workshop is designed to show just how important time well spent is!'
Zoe Taylor, Senior Event Manager
Or call our friendly team on 0845 006 06 06.


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By Water
Norwich is only 20 miles from the nearest coast, facing the North Sea. The ports of Great Yarmouth and Lowestoft both welcome small craft. The marina at Lowestoft is particularly popular with visitors from the continent, and sailors navigating around the coast of the UK.
From the port you can travel upriver on the scenic and unspoilt Broads, the only wetland National Park in the UK, to Norwich Yacht Station in the heart of the city, to explore the area.
- Information for vistors bringing boats on the Broads
- Lowestoft navigation information
- Great Yarmouth navigation information
- Norwich Yacht Station
Car and passenger ferries operate between the Hook of Holland and Harwich, and Esberg and Harwich. Harwich is 73 miles from Norwich.
Stena Line call 08447 707070
DFDS call 08715 22 99 55
Find out more
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Ricard V. Sole eBooks
eBooks found: 1
Phase Transitions
Ricard V. Solé & Ricard V. Sole & Ricard V. Solé
Princeton University Press, August 2011
Format: ePub
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text: Their Hayseed Hardcore 7" was immortalized in Pushead's top 100 hardcore releases of the 80's. Tucked away at #76 safely wedged between MASS APPEAL and RATTUS, SONS OF ISHMAEL were often compared to early D.R.I. with a rabid mix of early LARM and WRETCHED. Yes, that is a lot of power and speed thrown onto a 7" platter. Schizophrenic Records is proud to release the Hayseed Hardcore 12" which includes the full 7" as well as several compilation recordings by the original Meaford, Ontario lineup. 25 years later this record remains full of energy, drive and small town teenage angst. The release includes a band biography and insert containing original artwork and lyrics. Limited to 800 copies.


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Dr. Elisabetta Tonizzi of the University of Genoa will present a talk on Tuesday, September 2nd entitled "Maritime History and History of Migration: Combined Perspectives." The talk will be held in the Multipurpose Room of the Black Cultural Center at 4:00 pm, and is free and open to the public.
Dr. Elisabetta Tonizzi is a Senior Lecturer in Contemporary History at the University of Genoa, Italy.
Here is a brief summary of Dr. Tonizzi's presentation: "Scholars interpreting the great transatlantic migration to the United States have adopted different and multidisciplinary patterns. 'Why' Europeans emigrated has always been considered more important than 'how' they moved. This study intertwines migration and maritime history. Drawing on recent maritime historiography, it argues that, since the 1880s to the outbreak of WWI, steamship companies and the extended and multifaceted maritime network linked to them played a major role not only as facilitators but also as stimulators of migration flows. Further, shipping lines had a strong clout on migration policies and prevented the early approval of US restrictive migration regulations."


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Mark Fredrickson | Biography
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Nigel Buchanan | Biography
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Map Mania
Our clients seem to have an insatiable need for maps. Capable of providing direction on a global or small scale, maps serve an important role in our lives. Publications, universities, resorts, and games all use maps. Leave it to illustrators to invent unique ways to show us where we're going. We've selected a cross […]
Yao Xiao | Biography
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Yao Xiao | Patron
Client: Patron | Description: Yao created the artwork for Patron's Chinese New Year commemorative tin to celebrate the year of the dog.
Jean-Francois Podevin | Deloitte
Client: Deloitte | Description: An article explaining an aspect of robotics where bees lead robots to make honey.
Work Happy Personal Projects
2017 was a turbulent year for many of us for a variety of reasons. Through it all, Rapp illustrators found projects that brought happiness. Some commissioned, some self-initiated. Below you will find a curated virtual gallery of each artist's most happy image from 2017 along with a brief explanation of why it made them happy. […]
Alison Seiffer | Biography
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Jon Reinfurt | Seattle Met
Client: Seattle Met | Description: A series of smile worthy illustrations for the article, "A Secret History of Seattle Dentistry." […]
Nicole Xu | Plansponsor
Client: Plansponsor | Description: New watercolor illustration by Nicole Xu titled, "Borrowing from Oneself." Check out Nicole's portfolio here
Stephanie Dalton Cowan | Biography
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Shaw Nielsen | Penfield Children's Center
Client: Penfield Children's Center | Description: Shaw created 2 posters with some cute animals for the 22nd Annual Croquet Ball! Check out Shaw's portfolio here
John Jay Cabuay | Best of Buddies
Client: Best of Buddies | Description: John's super cute illustrations for this children's book titled, "I Was Born for This!" Check out John's portfolio here
Michael Witte | Purdue Alumnus Magazine
Client: Purdue Alumnus Magazine | AD: Katherine Braz | Description: Michael created comic illustrations for an article on changing youth sport, one family at a time. Check out Michael's portfolio here
Phil Foster | Biography
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Anthony Freda | Biography
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Jeffrey Smith | Biography
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Jim Tsinganos | Biography
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John Dykes' Award Winning Campaign
First Interstate Bank commissioned John Dykes for their new ad campaign! First Interstate is a regional bank in the western US and they wanted to use the maps to tell the story of banks's interactions with the people and culture of each state. John created three large map illustrations of Wyoming, South Dakota, and Montana, […]
Pushart | New York Times
Client: New York Times | Description: For page 1 of the New York Times Food section, Pushart declared ham the winner at Easter feasts, with lamb at a close second. Check out Pushart's portfolio here
Jon Reinfurt | Biography
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Introducing the 2017 Tote Bags
Each year we send out 4000 custom designed tote bags, along with our printed catalog full of great images. We ask the artists in our group to submit ideas for the bags, and this year we had too many good ones to choose from! After multiple rounds of deliberations, we chose the following fun images […]
David Brinley | Biography
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Stanford Gives RappArt an A+
It is always a nice honor and testament to our group when RappArt talent is selected for virtually all the illustration within a single issue. Stanford Alumni Magazine's Summer issue features four of our artists, led by an amazing cover and opening spread by Ryan Huddle. Be sure to scroll down to see Margi Kimball's […]
Bruce Morser | Biography
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Brian Ajhar | Biography
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The RappArt Guide to Political Illustration
While the 2016 election cycle may seem like an endless loop of one of the Real Housewives series, this show has many months to go before it is cancelled. Each day brings new stories and opinions that require some kind of visual content. RappArt offers a wide array of fantastically talented illustrators to bring the […]
Michael Witte | Biography
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Best of 2015!
We are back with our artist curated Best of 2015. The artists were asked to select their favorite pieces from this past year. If we do say so ourselves, it's an impressive body of work! Please take a few minutes to look for some 2016 inspiration.
2016 Tote Bags are Here!
We are very thrilled to share our new tote bag designs for 2016! This year's wonderful illustrations are by Shaw Nielsen, Greg Mably, Andy Ward, and Traci Daberko. 2016 is the year of the monkey in case you are wondering about the monkey designs. Let us know your favorite. Traci Daberko Shaw Nielsen Greg […]
Our 2015 Communication Arts Winners
Once again RappArt is well represented in the prestigious Communications Arts Illustration competition. CA received 4300 submissions with only 163 winning selections. RappArt artists received 6 awards. Special recognition to Nigel Buchanan who won 3 times! Other winners are Brad Yeo, Richard Mia, and John Reinfurt. These artists are among the best in the field, […]
Artists Choice Awards
In the spirit of awards season, we've decided to create our own: The Artists Choice Awards. The idea is simple: it's the image that each artist believes is their best of 2014. No micromanaging from the agent peanut gallery. It's not always readily apparent why some images were selected, but we're sure the artists have […]
Bernard Maisner Hand Lettering | Biography
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Rapp Unveils 2015 Tote Bags
Finally, tote bag season! We are very excited to unveil our latest collection of tote bags for 2015! This year's innovative designs are by Jean-Manuel Duvivier, Gwen Keraval and Peter and Maria Hoey. We'd love to hear your favorite, so please, let us know what you think!
Noah Woods | Biography
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Andy Ward | Biography
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This Couple's Dog Was The Ring Bearer At Their Wedding And He Did Such A Good Job
I've never had a pet dog, and I never really had a desire to become a dog person that is until all of my news feeds started getting inundated with dog memes. It's like everyone and their mom is suddenly OBSESSED with their dogs and won't shut up about how obsessed with their dogs they are.
I've been trying to resist the hype because, well, I hate hype.But then, this couple made their puppy a part of their wedding, and they made resisting the hype impossible, once again.
Sheree Atcheson and Sean McCrory are a couple in the United Kingdom who just got married last month. Oh, and by the way, their wedding was than yours was or will ever be.What took their wedding to such infinite levels of cuteness? Well, it's because they decided to havetheir adorable little dog Alfie act as the ring bearer during the ceremony. (BTW, can we talk about how freaking cute that name is for a British dog??)
Alfie, who looks like a puppy even though he's 7years old (all dogs are puppies anyway, right?), is a pretty giant part of the couple's life together, so there was no shot he wasn't going to be included in a celebration of their union. As far as the couple was concerned, there was no other candidate for the position of ring bearer. This one was a no-brainer.
Alfie is a huge part of our lives and there was never a decision made to have him as our ring bearer. He was the only choice, Atcheson told BuzzFeed. He's such a great part of our relationship and we wanted to have him involved in our family's big day.
As if things couldn't get any cuter than this, Alfie's parents even got a custom suit made for him to wear to the big day, according to BuzzFeed. Needless to say, he looked in it.
Congratulations to the happy couple, and most importantly, congratulations to Alfie for doing such a good job.
All right, BRB, adopting a pet dog to be in my future wedding.
Read more: http://elitedaily.com/dating/dog-ring-bearer-wedding/2029562/


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The personal information we collect on this website is the information you provide to us. This information may include, for example, your name, email address, or phone number. In some cases, you may provide it directly by entering information into an application, survey, or online form, and in some cases, you may provide it indirectly, like the IP address of the computer or device you use to connect with us online.
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We do not license, sell, rent, or trade any collected information, including contact information or specific information about your accounts or other personally identifiable information unless: (1) you request or authorize it; (2) information is provided to help complete a transaction initiated by you; or (3) the disclosure is otherwise lawfully permitted or requested.
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Modifications to Privacy Policy: Occasionally, we may make changes to this Privacy Policy, so we encourage you to check back to review our current practices.


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Viola Lessons
Our string program is designed to advance the student in viola lessons technique, music sight-reading skills, music theory, repertoire, and performance skills. The Music Connection uses a variety of method books for instruction, including the Suzuki Method. We have found that private instruction allows students to progress at their own pace and gain the best understanding of musical techniques.
Age Requirements
Music instruction for string instruments is for ages 9 and up.
Viola Lessons Requirements
Student participation in school recitals, concerts and summer enrichment classes is encouraged. Students are encouraged to participate in their school orchestras.
Lesson Options/Tuition Fees:
Because Private Lessons are scheduled based on the best teacher available for your child as well as providing the most convenient time for our families, we schedule private lessons personally. To begin the process, please click Register Online to be taken to our system. Please enter all your relevant information (Name, address, child's name, instrument of interest, payment options) and one of our staff will contact you to schedule the specific day, time, and teacher best suited for your child.
Register Online
For pricing please call our studios.
Discounts Available:
-Annual payment by June 1st: 5% discount if paid by Check, 2.5% discount if paid by credit card – $100 max discount
-2nd & 3rd child in family 10% discount
-Waive instrumental rental after 1st in the family
–Adult Discounted Daytime Lessons
Other fees:
-Family Registration $48
-Instrument Rental $25/month
Why You Should Study MUSIC with The Music Connection:
- Well-rounded music education with qualified teaching faculty
- Develop and refine proper instrument technique
- Learn to read music and music theory/concepts
- Play with confidence and enjoyment
- Perform in student solo recitals for family and friends
- Preparation for music competitions, school concerts and auditions


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About Us:
-Allntrends is a custom made apparel company and we're based in NJ.
-We have a big variety of cool decals to print them on t-shirts, tank tops, sweatshirts, hoodies, Cups, Mugs and whatever YOU can think of!
-We offer the most popular trends of the best quality and for a competitive price. Check us out to see all of our cool products!
-We also take Custom Orders requests so please contact us by message for more details.
1. Do you accept returns?
Answer: Yes, we do accept returns of unused items, within 14 days of delivery either for a refund or for a new item/size/color. The return shipping costs are under the customer responsibility.
2. Do the sizes run Big/Small or True to size?
Answer: Each item is different from the other, please contact us regarding your specific item and we will love to share with you all the information we have, including size chart, reviews and a lot of experience so you will pick your perfect size!
3. I received my order- but this is NOT what i ordered, what should i do?
Answer: In that case we must admit, we are all humans and can do mistakes sometimes. we work our hardest to avoid them. but don't worry! we also know how to fix them..Please contact us and we will love to resolve any problem you have with your order the fastest possible!
4. My package was marked as delivered but i didn't received it. what should i do?
Answer: Sometimes, post tracking is updated a little earlier then it actually is. the best solution is to wait another day or two and see if the package arrive. please don't wait more then that and contact your local post office if the package doesn't arrive even after one day- don't worry! Most of the time they do find the missing packages- That's why it is important to contact them soon. if there is any problem with the post office, feel free to contact us and we will help you!
5. For international Buyers: I Received a note from my post office with a request to pay additional custom fees. what should i do?
Answer: we are sorry to hear you had to pay fees to your country. we as the seller have no connection to that at all and we don't have anything to do in order to avoid it. we also don't know about it before in order to let you know about it- we had customers that didn't have to pay and others that paid less or more then others. in order to avoid this inconvenience- please check the rules on your country before you order.
Handling Time:
We ship our items 2-3 Business days from receiving payment. We are trying to do our best and make it the fastest we can!
For urgent cases, please contact us by message and we will help you!
U.S Shipping:
-We ship our items via USPS.
-We use USPS Priority Mail (1-3 Business Days) or USPS First Class Mail (2-6 Business Days)
International Shipping:
-We Ship Worldwide.
-International Shipping Via USPS First Class Mail International.
-Shipping time may vary and can take between 7-30 Business Days.
Return Policy:
We accept returns within 14 days, unused items and in new condition.
In order to return an item please contact us and we will help you resolve the issue.
We would deeply appreciate an honest feedback from you, which will help us know how we did.
You're welcome to contact us if something went wrong or with any other issue with the purchase.
Your request is important to us and we will do all we need to make you Pleased with your order.
Our customer service team is here for you and will work hardest to provide you a quick and prompt response.


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Hi friends, I'm Kim.
Traveling is something that has been a part of my life since before I can remember. I grew up driving cross-country every summer with my family in our c-class RV. I quickly became accustomed to a life on the road that carried over into my college years and after entering the working world. Making memories and meeting new friends, not just in the United States but all over the world, has made me the person I am today and has helped me find myself in ways I never thought possible.
But it's only the beginning. I started From the Road I'm On to share my adventures as I continue to trek across the country and around the globe. Hopefully you feel inspired to get out there and see this incredible world that we're living in. Or at the least, hopefully you have a few ideas of where to go if you ever find yourself just passing through.
That's about it. Enjoy and happy travels!


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Fobsun's main products: LED tube lights (T5 and T8), LED downlights (FCL series and FDL series), LED light bulbs (household LED light bulbs, LED plug lights and LED candle bulbs), LED spotlights (Mr16, Gu10, Par30, Par38), LED bay lights (high bay and low bay), LED wall washers (round, quadrate and linear), LED grow lights, LED aquarium lights and other high-end compact LED retrofit lighting fixtures.
Fobsun's LED lighting products have been widely used to replace traditional lighting fixtures and become main stream lighting products. They are widely applied for commercial and residential lighting, such as offices, hospitals, schools, hotels, libraries, warehouses etc. Coming with ultra bright LED light source, high performance optical system and excellent thermal management system, Fobsun's products fully feature the advantages of energy saving, environment friendly, long lifetime, no flickering and no hazardous materials. A number of design patents, utility model patents and invention patents have been awarded for the full range of Fobsun's LED lighting products which are CE, UL and RoHS approved.


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Distance from Spring Grove, MN to Swan River, MN
Driving distance between Spring Grove, MN and Swan River, MN is 302.98 miles (or 487.59 kilometers). If you drove an average car (using about 3.6 gallons of gas per mile), the gas would cost you around $, since you would need about gallons of fuel.
Leaving from Spring Grove, MN you would reach Swan River, MN in about 5 hours 42 mins if you keep an average speed of miles per hour, assuming you don't make any breaks or get stuck in traffic.


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SportsDirect Inc.
Preview: Suns at Grizzlies
Tayshaun Prince had a nice debut for the Memphis Grizzlies, a team that needed a pick-me-up after losing big in its first game after trading leading scorer Rudy Gay. The Grizzlies will look to make it two straight with Prince in the lineup when they host the Phoenix Suns on Tuesday. Prince, who came in the three-team trade that sent Gay to Toronto, scored 14 points -- including two big late baskets -- in an 85-76 win over Washington on Friday.


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We all travel on vehicles; be it public transport or private and are rightfully concerned about the safety of the vehicles we ride in. If we travel using public transport, there is little we can do about the safety of the vehicles as the maintaining is done by the owners and we have no say in the matter.
However, if you own an automobile, here are some essential safety features that are present in most present day vehicles you should know about in order to ensure maximum protection to yourself as well as other passengers travelling with you.
Seatbelts are the most well-known form of protection available in a vehicle and have been assisting in saving lives for far longer than we can imagine. Many improvements have been made the seatbelts over the years to improve the protection given by them but, still, not all injuries can be avoided by only wearing one. Moreover, you have to wear it properly to reap the maximum benefits.
As we all know, airbags provide a lot of protection in the event of a collusion to protect the travelers in the vehicle. However, airbags on their own may not be very useful in preventing injuries and, in some instances, they have also been cause of death of passengers.It is essential that you make sure that the airbags are functioning properly at the car service of Carrera Motors as it will otherwise be too late by the time you find out that they are not working. Ensure you take the vehicle to a reputed establishment to prevent ending up paying money for a careless inspection that will do nothing to improve the safety of the passengers.
Always take care to use the proper tires that are designed for the type of vehicle you are driving as using tires with wrong specifications can lead to undesirable circumstances and your vehicle may not behave as expected during an accident. Special attention should be given to the tire pressure and wheel alignment to maximize protection of the travellers and tires should be replaced before they are too worn out. No matter how sophisticated the braking system you have, the vehicle may not stop as desired and may skid if the tires are ragged resulting in accidents that could have easily been avoided.
Breaking systems
Antilock Breaking System (ABS) is a common and a very popular braking system that can improve the safety of the vehicle by allowing the driver to retain steering control while braking. This means that while breaking you can steer around the obstacle to avoid hitting it. However, ABS is not an automatic braking system and your vehicle will not stop automatically if you do not hit the brakes.If you want the vehicle to avoid a collision on its own, you need to have Autonomous Emergency Braking (AEB). This is available in many fairly new vehicles. AEB will alert the driver and, if the driver does not respond or is too late to respond, the vehicle will brake on its own.
As it can be seen, with the improvement of technology you have many features that will enhance the protection of a vehicle but you have to make sure that these features are well maintained to get the benefits they are designed to afford.


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Choose nice and cheap nba inkjet photo paper
After three games due to injury, the original decision to return to the game at the weekend against the Rockets Chris – Paul today ahead of time. Worrying is that during his absence, the Clippers three games all negative, and the fifth thunder wins Cheap inkjet photo paper more and more small. Due to Griffin's long-term injury, today, Paul is able to return to the team in time, both in terms of combat or spirit can bring the whole team to enhance. As one of the league's best backcourt player, Paul today's performance remained stable, but the Clippers team feel bad, eventually lost to the New Orleans pelicans on the road.
Three minutes before the opening, each only 2 respectively, the clippers have consecutive offensive rebounds into scoring. Paul grabbed offensive rebounds, missed the friend, then the Clippers offensive board, Paul finally hit the bottom at three points for Cheap inkjet photo paper break the scoring drought. The first section of the Clippers 27-19 lead, Paul played 7 minutes and had 5 points, 4 rebounds and 2 assists.
The second day after three minutes, Paul returned to the game and repeatedly sent pass, but his teammates have continuously wasted opportunity. In this period, Paul made Cheap inkjet photo paper a holiday three fouls, the decision to make the pelican coach greatly dissatisfied, Gentry eventually expelled eat T. After Paul for the division of Bates and the were sent assists to help these two teammates get their first points today.
At the beginning of the second half, Paul himself does not shoot after the offensive board, he has made 7 rebounds. At the same time can not help but look forward to the game Paul can get three pairs. In fact, the team lost due to shooting star, as the most offensive rebounds and 7 rebounds, but his assists but has not increased. No way, can only do! In the third quarter hit a record Cheap inkjet photo paper of three points, Paul got a chance to rest. There are 9 minutes paratelum, he again returned to the field, the Clippers 82-86 behind. Paul and then Rivers, this small finally hit! However, the distal Pelican attack has maintained a strong momentum, Paul has missed two ball after the mobile phone will no longer waste, to invest in better grasp the distance, so after somebody hit two jumper.
From the end of the game there is a minute, the pelican passes after Paul steals, assists Crawford, who scored a breakthrough. The final 13.6 seconds, the Clippers catch 98-101, Rivers called the last pause, back then did not play paul! The Clippers without captain seaman lost again, not Felton lore, the Clippers unfortunately lost! Of course, as a player is to listen to the coach, but the key moment to turn the tide of the star paratelum almost sitting on the bench, the tactical coach Rivers really made it difficult to Cheap inkjet photo paper understand. Of course, the game Paul's performance has been impeccable, 15 in 7 had 21 points and 8 rebounds and 6 assists, hoping that under his leadership, the fourth clippers can back in time.


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Thomas A. DeFanti
Tom DeFanti (born Sept. 18, 1948) is a computer graphics researcher and pioneer. His work has ranged from early computer animation, to scientific visualization, virtual reality, and grid computing. He is a distinguished professor of Computer Science at the University of Illinois at Chicago, and a research scientist at the California Institute for Telecommunications and Information Technology.[1]
DeFanti did his PhD work in the early 1970s at Ohio State University, under Charles Csuri in the Computer Graphics Research Group. For his dissertation, he created the GRASS programming language, a three-dimensional, real-time animation system usable by computer novices.[2]
In 1973, he joined the faculty of the University of Illinois at Chicago. With Dan Sandin, he founded the Circle Graphics Habitat, now known as the Electronic Visualization Laboratory (EVL). At UIC, DeFanti further developed the GRASS language, and later created an improved version, ZGRASS, implemented on the low-cost Datamax UV-1.[2] The GRASS and ZGRASS languages have been used by a number of computer artists, including Larry Cuba, in his film 3/78 and the animated Death Star sequence for Star Wars.[3] Later significant work done at EVL includes development of the graphics system for the Bally home computer, invention of the first data glove,[4] co-editing the 1987 NSF-sponsored report Visualization in Scientific Computing that outlined the emerging discipline of scientific visualization,[5] invention of PHSColograms, and invention of the CAVE Automatic Virtual Environment.[6] DeFanti's current work includes heading the TransLight/StarLight international multi-gigabit networking project[7] and co-directing the OptIPuter optical networking and visualization project.[8]
DeFanti contributed greatly to the growth of the SIGGRAPH organization and conference. He served as Chair of the group from 1981 to 1985, co-organized early film and video presentations (which became the Electronic Theatre), and in 1979 started the SIGGRAPH Video Review, a video archive of computer graphics research.[9]
DeFanti is a Fellow of the Association for Computing Machinery. He has received the 1988 ACM Outstanding Contribution Award, the 2000 SIGGRAPH Outstanding Service Award, and the UIC Inventor of the Year Award.
Books, chapter in books, and article. A selection:[10][11]
- 1987. Visualization in Scientific Computing. Edited with Bruce H. McCormick and Maxine D. Brown. ACM Press.
- 1989. "Computer-Generated Barrier-Strip Autostereography". With others. In: Proceedings of SPIE, Three-Dimensional Visualization and Display Technologies, S S Fisher|W E Robbins, 1083, 65-75, 09/01/1989 - 09/01/1989
- 1991. "Simulacra/Stimulacra::Fractal". With others. In: Art Futura. 01/01/1991
- 1994. "Foreword", With Maxine D. Brown. In: Scientific Visualization : Advances and challenges. Lawrence J. Rosenblum (ed.). Academic Press Academic Press, 1994. pp. xv-xvi.
- Papers and articles, a selection
- DeFanti, T. A.; Sandin, D. J.; Ainsworth, R. A. (1976). "Control structures for performance graphics". The papers of the ACM symposium on Graphic languages. ACM. pp. 79–84.
- DeFanti, T. (June 1976). "The Digital Component of the Circle Graphics Habitat". AFIPS '76: Proceedings of the national computer conference and exposition. pp. 195–203.
- Campbell, Graham; DeFanti, Thomas A.; Frederiksen, Jeff; Joyce, Stephen A.; Leske, Lawrence A. (August 1986). "Two bit/pixel full color encoding". SIGGRAPH '86: Proceedings of the 13th annual conference on Computer graphics and interactive techniques. ACM. pp. 215–223.
- DeFanti, Thomas A.; Brown, Maxine D.; McCormick, Bruce H. (August 1989). "Visualization: Expanding Scientific and Engineering Research Opportunities". Computer. IEEE. 22: 12–25. doi:10.1109/2.35195.
- Hart, John C.; DeFanti, Thomas A. (July 1991). "Efficient antialiased rendering of 3-D linear fractals". SIGGRAPH '91: Proceedings of the 18th annual conference on Computer graphics and interactive techniques. ACM. pp. 91–1008.
- DeFanti, Thomas A.; Sandin, Daniel J.; Cruz-Neira, Carolina (October 1993). "A 'Room' with a 'View'". Spectrum. IEEE: 30–33, 39.
- DeFanti, Tom; Stevens, Rick (1999), "Teleimmersion", in Foster, Ian; Kesselman, Carl, The Grid: Blueprint for a New Computing Infrastructure, Morgan Kaufmann, pp. 131–155, ISBN 1-55860-475-8
- ^ "People > Staff and Academic Personnel > Tom DeFanti". Retrieved 13 October 2009.
- ^ a b Magnenat-Thalmann, Nadia; Thalmann, Daniel (1985). Computer Animation: Theory and Practice. Spring-Verlag Tokyo. pp. 26–33. ISBN 4-431-70005-6.
- ^ Masson, Terrence (1999). CG 101: A Computer Graphics Industry Reference. New Riders. pp. 410–412. ISBN 0-7357-0046-X.
- ^ Sturman, D.J., Zeltzer, D. (January 1994). "A survey of glove-based input". IEEE Computer Graphics and Applications. 14 (1): 30–39. doi:10.1109/38.250916.
- ^ Nielson, Gregory M.; Shriver, Bruce; Rosenblum, Lawrence J. (1990). Visualization in Scientific Computing. IEEE Computer Society Press. pp. 3, 19. ISBN 0-8186-8979-X.
- ^ Sherman, William R.; Craig, Alan B. (2003). Understanding Virtual Reality: Interface, Application, and Design. Morgan Kaufmann. p. 14. ISBN 1-55860-353-0.
- ^ "TransLight/Starlight: About". Retrieved 13 October 2009.
- ^ "OptIPuter". Retrieved 13 October 2009.
- ^ "2000 ACM SIGGRAPH Awards". Retrieved 13 October 2009.
- ^ bibliography: Thomas A. DeFanti. Retrieved 8 July 2008.
- ^ Thomas A. DeFanti. List of publications from the DBLP Bibliography Server.
External links[edit]
- Thomas A. DeFanti website at uic.edu


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This is a very unusual review ... many years overdue too! Back in the mid to late 80s I stayed at this hotel together with my husband and young daughter. I have no photos of this hotel but all I have are good memories. Just...More
"A trip down memory lane"


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October 14th, 2010Web 2.0
…but the biggest shift since the industrial revolution.
It's always good to watch this video again from time to time.
Thanks to Neelie Kroes and yeurbloggeress for bringing it to my attention on Twitter.
Pass it on!Tags: Neelie Kroes, Social media, Vidéo, yeurbloggeress
September 30th, 2010Web 2.0
Last year I went to the fabulous Personal Democracy Forum (PdF) in Barcelona, the first edition of an event that had been taking place in the US for years. I had a good time with old friends, met lots of fascinating people, and came back loaded with exciting new ideas.
This time I'm going back and I can't wait! It's on Monday/Tuesday. Drop me a line if you'd like to meet. And follow #PDFEU on Twitter to know what's going on.
There's something very distinctive about social media conferences. Things don't just happen the days of the event. A lot happens before and after as well.
A few days before it starts, Twitter lists of attendees are created, hashtags are used to announce one's attendance and to look for friends who might go too, or people we don't know yet but would like to meet. As I saw PdF'er Micah Sifry tweet once ahead of the Berlin re:publica conference we were going to: I can hear the drum roll slowly but surely getting louder… the curtain is about to rise.Tags: Micah Sifry, PdF, Personal Democracy Forum, Social media, Twitter
July 23rd, 2010Web 2.0
As social media is now integrated in everything we do, the question is not anymore what is social media, but where is social media now? Great presentation by Marta Kagan.Tags: Social media


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Bruce was used to being the observer. Oftentimes he needed to take a step back from the world, because everyone knew the results when he didn't. And through doing so, he'd learnt to see everything with the objective clarity that eluded so many others. When he watched his friends, he learnt more about them than they ever could have, or in some cases would have, told him. A lot of what he learned, he got from the breakfast table.
Even the elusive pair that was Natasha and Clint gave tells. Like the way that Clint liked black cherry preserve on his toast in the mornings, and that Natasha liked that very same preserve dipped in her tea. He learnt that they both read the same Eastern European paper, and that Natasha would always crease the corners of pages that she thought Clint might like. And that Clint always turned to those pages first before reading any other article.
Thor on the other hand was mostly an open book, he liked to talk and he liked to share. But there were some things, Bruce noticed, that Thor kept secret. Like the way he would hesitate before each meal, waiting until at least one other person had started first so that Thor could imitate the way they ate their food. Bruce learnt that Thor never seemed to know whether say a burger was eaten all together or layer by layer; or if soup needed utensils or was sipped like tea. When Bruce had first met Thor, he'd never struck Bruce as the type to care about such things; but as time passed, Thor seemed less and less like a God to Bruce, and more and more like a foreigner frightened to embarrass themselves in a foreign world.
Steve, like Thor, was another outsider, but in a completely different way. If there was a spectrum of outsiders, Steve would land so far on the opposite end that they'd barely be able to see each other for the horizon line. Steve greeted everything new with a hidden air of hostility. Any phrase he didn't recognise, any new gadget that Bruce or Tony might happen to pull out, Steve would look at it with a flash of contempt. In Steve's mind, he wasn't the outsider; it was everything around him that was the alien.
Tony was the most similar to Bruce out of all of them, but even with that and their science oriented friendship, Tony had to be the most difficult to read. He wasn't secretive or private like Clint and Natasha. Nor did he put on a particularly grandiose front to hide his inner fears and doubts like Steve and Thor. Tony was much more complex. Tony was the type to look you directly in the eye and tell you exactly what kind of man he was but in such a way that you could have sworn he was lying. Tony reminded Bruce of a game he used to play when he was a child. Tell me two truths and a lie and guess which the lie is. Tony would talk and talk and talk and sell the world to you with his words, but it seemed impossible to ever tell which words he truly meant because he was fluid; what he might have meant one day, would be irreverent the next.
He had trouble reading Tony, but Bruce noticed that Steve didn't. Despite their initial struggles, Steve seemed to see Tony with an enviable clarity.
The two of them, despite being poles apart, seemed to click in a fantastic way and even as they bickered over their morning coffee, they would sit closer and closer until, when Bruce let his eyes relax, their outlines blurred into one shape like a magic-eye.
Bruce had only tried to study Nick once, briefly, but stopped when he realised Nick was staring right back at him. Nick pointed at his one good eye, then at Bruce "Wind those in." He pointed to his nose. "And keep that out. I'm not your morning entertainment, sunshine." Nick was not a morning person (whether he was an evening person, or any other time of day person was beside the point).
You might think that Bruce was lonely in his pensive little niche of the world, but he wasn't.
He'd just been watching Tony spend an hour convincing Steve that land sharks existed now, only to have Thor kill it by talking about the infamous Landsharken from Asgard, when a fresh mug of coffee was placed in front of him. A suited figure eased themself into the chair beside him clutching their own mug of coffee. Agent Coulson leaned into Bruce's peripheral, stifling a yawn with the back of his hand. "So," he said, voice deep with sleep. "What's new on Avenger watch?"
Bruce smiled wryly and filled him in on the latest. Coulson absorbed it all with his own eyes as he sipped tentatively at his coffee.
"Ten bucks says that Thor has eaten one of those landsharken at some point."
"It's entirely likely," Bruce agreed.
Coulson place his mug on the table and sat back in his chair, lifting his hands up and over his head in a languid stretch that resembled a contented housecat.
"This is nice," he observed, not pointing out what in particular was nice; he didn't need to.
"Yeah," Bruce said after too long of a pause not to have given it some serious thought, because it really had been a long time since he'd been a part of something. For a while he'd convinced himself he didn't miss it. But he had done, and now that he realised it, it was nice not to miss it any more.


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I was obsessed with pumpkins last fall. After trying for 5 years to get pumpkins to grow, I finally had one! The seeds were acquired from my husband's Uncle Forest. He was known for years and miles around for his large, edible pumpkins. I wanted to keep the seeds and tradition alive. So I tried. And I tried. And then I put some in little cups to watch and water and baby along. It worked! The beautiful little seeds sprouted just in time to go on vacation with me. Yes, I took them with me. I knew I was going to be gone a week. It was worth it. I eventually learned the meaning of jumping for joy. In reality, I had given up on getting any pumpkins. After I put them in the garden and vines grew and grew. but that is all. I looked for a pumpkin to grow, and I looked and looked and looked. I finally quit looking. One day I caught a glimpse of the green ball growing and jumped up clapping my hands before I had time to think. Eventually I had a 33.3 lb pumpkin. It was large. It was beautiful. And this year I'm going to do it all over again.
These pumpkins are store bought and arranged to imitate art - paintings.
Still life imitates art of still life or vice versa?!
Here's a glimpse of my pumpkin...
33.3 lb pumpkin - I was a farmer for Halloween so I could put it in a radio flyer and show it off!
Inspired by KimKlassen.com class called "Be Still" for still life photography.
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Tactical investing, also known as tactical asset allocation, appeals to many investors and advisors after decades of market turbulence.
These strategies typically track a quantitative model or trend-following strategy; the goal is to buy undervalued asset classes or market sectors while selling holdings deemed to be overpriced. For such plans, ETFs offer broad exposure to the underlying securities and timely trading.
"Advisors who are considering ETFs for tactical investing solutions probably have a shorter time frame," says Michael Ball, a CFP and the president and lead portfolio manager at Weatherstone Capital Management in Denver. "As a result, it is probably better to stick with core indexes rather than try to use smart-beta ETFs."
Smart-beta ETFs tilt their holdings in some manner in an attempt to outperform the broad market, but Ball cautions that it takes time for the factors in a smart-beta index to work.
Thus, tactical asset allocation timing may favor basic index ETFs.
"The most frequent goal of a tactical investment position is to provide increased exposure to a segment of the market for a short-to-intermediate period of time and then to reduce or eliminate that position," Ball said.
"As a result, you want to use ETFs that have narrow spreads and good liquidity," he said. "This can be particularly important if your reason for putting on a tactical position becomes invalid and you are readjusting your portfolio in a volatile market."
Advisors whose trades account for a significant portion of the typical daily trading volume of an ETF should consider using a "liquidity provider" to help minimize the potential market impact, Ball said.
"Firms such as WallachBeth Capital, Wolverine Execution Services and others may provide valuable services, potentially helping to improve the prices you receive," he said.
Other ETF specialists might help advisors interested in tactical asset allocation.
"Our research indicated that equity index ETFs using a trend-following strategy based on the 200-day simple moving average can complement our other low-cost ETFs by giving our clients some downside volatility protection," said Van Pearcy, an advisor with Raymond James Financial Services in Midland, Texas.
"Our investment committee visited with Pacer Financial and became very comfortable with using its Trendpilot ETF series, in addition to our long-only ETF positions," he said. "As more ideas appear on the ETF landscape, we will keep our heads above the sand and research new ETFs for portfolio consideration."
Tom Lydon, chief executive of Global Trends Investments in Irvine, Calif., offers some advice for advisors who are eyeing a trend-following approach.
"To keep out of trouble, maintain an 8% stop-loss on your ETFs," he said.
"In addition, when an ETF declines below its 50-day average, that's not a good sign. If that ETF falls below its 200-day average, sell it," Lydon said.
Trend followers shouldn't chase markets that are too hot, said Lydon, who is also the editor and publisher of ETF Trends.com.
"When world markets and industry groups collectively have hit new highs, the boom went bust," he said. "Keep your emotions in check."
Donald Jay Korn is a New York-based financial writer who contributes to Financial Planning and On Wall Street.
This story is part of a 30-30 series on smart ETF strategies.
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Kettlebells are weights that look a bit like a bowling ball with a handle. Kettlebells are a great addition to your fitness routine that can help you accelerate your results when used properly.
It is important to note that kettlebells are frequently used improperly. If you are considering this type of workout, do yourself a favor and consult a personal trainer to get some pointers on safety and proper form. This will help you get the most out of your workout and avoid injury.
1. Two Arm Kettlebell Row
You'll need two kettlebells for this one. Stand with feet shoulder-width apart, knees bent. Now, bend over and pick up the kettlebells, pulling them up toward your stomach. Keep elbows close to your sides. Put down and repeat.
2. Goblet Squat
Power up your squats with a kettlebell. Hold your bell with both hands. Keep the bell toward your chest with elbows close to the body. Do your squat. It is important to maintain good form so you don't get hurt. Remember to keep your back straight, don't hang your knees over your toes and don't hold the bell out in front of you; keep it close to your chest.
3. Lunge Press
Basically, you are going to do a standard lunge, but you are going to hold a kettlebell in front of you and then when you lunge forward you are going to raise your arm (opposite arm of the leg you are leading with) above your head.
4. High Pull
Stand with feet a bit wider than shoulder-width, feet pointed out. Set bell between legs, squat down, grab with one hand and use hips to drive yourself up to standing, raising bell upward, elbow out.
5. Russian Twist
Work those abs: Sit on the floor with legs bent and feet shoulder-width apart. Holding bell at chest, lean into a 45-degree angle. Now, rotate torso, left to right, swinging bell with your body.
6. One Arm Floor Press
Lay on back, legs straight out in front. grab bell with one arm, palm facing in, raise and rotate wrist so palm faces feet.
7. Deadlift
Bell sits on floor between your feet. Squat down and grab with both hands. Stand up. Keep core engaged and back straight.
A personal trainer can give you the guidance you need to get the results you want. Ralph Roberts can customize a fitness plan according to your goals and current level of fitness. You can find Ralph at the Downtown Athletic Club in Amarillo.
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May 2018


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Traffic chaos: Motorists advised to take alternative routes to avoid major disruption around O'Connell Bridge
With O'Connell Bridge closed for the bank holiday weekend, the city is set for major traffic disruptions.
The north and south quays will be closed at O'Connell Bridge from 8pm on Friday until 6am on Tuesday, August 2, to facilitate construction work on the Luas Cross City service.
The following restrictions will be in place for motorists this weekend:
North Quays
Motorists will not be able to access O'Connell Bridge or Eden Quay from Bachelors Walk.
Motorists will have limited access to O'Connell Street from Bachelors Walk.
South Quays
Motorists will not be able to access O'Connell Bridge or Aston Quay from Burgh Quay.
Motorists will be diverted left from Burgh Quay onto D'Olier Street.
O'Connell Bridge – Northbound and Southbound
There is limited access to O'Connell Bridge. When travelling Southbound from O'Connell Street across O'Connell Bridge to D'Olier Street.
When travelling Northbound from Westmoreland Street across O'Connell Bridge onto O'Connell Street.
While some may be planning to escape the chaos outside of the capital, the matches at Croke Park and the Aviva stadium are expected to bring 100,000 sports fans into the city centre.
Gardaí have advised those traveling to either venue to avoid the city centre completely.
Public Transport Enhancements
Arwen Foley, broadcaster for AA Roadwatch, told Independent.ie that the best way to avoid the traffic is to avail of public transport as much as possible.
"Don't avoid the city centre, that's definitely not what we're saying. If you can, take public transport," she said.
"It's a great weekend for shopping with the sales on, and there are the matches as well. Do go into the city, but try to avoid driving in."
Car park access in the city will be maintained over the weekend, and a range of public transport enhancements are being offered to help ease the disruption.
Additional Luas and Dart services will be in operation on Sunday and Monday, and children will be allowed to travel for free with a valid Child Leap Card for the entire weekend.
To encourage motorists to use public transport, there will also be free parking on Saturday, Sunday and Monday at Luas and Irish Rail park-and-ride sites within the Short Hop Fare zone.
There will also be diversions on many Dublin Bus routes, including 14, 15, 25a, 25b, 26, 27, 27b, 37, 39, 39a, 66a, 66b, 67, 70, 83, 145 and 151. Passengers are advised to check their travel routes in advance.
However, if you must drive, Ms Foley advised motorists to take alternative routes through the city.
Croke Park
"With three matches on at Croke Park, we'll have people coming from Cork, Donegal, Westmeath and Mayo," she said.
"Anyone going to Croke Park is advised where possible to use public transport or even park on one side of the city and commute across the city."
Those driving to Croke Park are advised to use the M50 to get to the stadium and exit at J5 Finglas, J4 Ballymun or the M1 Interchange.
Exiting at J7 (Lucan) to access the city centre by the N4 should be avoided.
Aviva Stadium
"For the Celtic v Barcelona match in the Aviva on Saturday, there are a few routes that you can take across the River Liffey including Memorial Bridge, Butt Bridge, Father Matthew Bridge, James Joyce Bridge or Tom Clarke Bridge," she said.
Dublin Airport
Motorists heading to the airport are advised to use the M50 via Tom Clarke Bridge and the Port Tunnel rather than driving through the city centre.
Transport Infrastructure Ireland will keep drivers updated with signs along the motorway network offering advise regarding any traffic restrictions.
Up-to-date traffic information will also be available from Dublin City Council's radio station 103.2 FM, broadcasting live from the Traffic Control Centre on Saturday from 1pm to 7pm and on Sunday from 1pm to 6pm.
Online Editors
Related Content
- Five of the best events this weekend - where you'll avoid the dreaded Dublin traffic chaos
- Capital set for traffic chaos: All you need to know about O'Connell Bridge closing for August bank holiday weekend
- Strikes looming at Dublin Bus and Irish Rail


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Democracy in the Catholic Church
January-February 1989By John C. Cort
From top to bottom the Catholic Church is having growing pains. That may seem an inappropriate phrase growing pains regarding an institution that is nearly 2,000 years old. Thank God, however, the Church is still growing, both in quantity and quality not everywhere, maybe not in your parish or diocese, but overall and worldwide, yes.
One aspect of that growth is the effort to adjust herself to those values and aspects of democratic process that can be legitimately applied to an institution that in certain major areas does not function by majority vote, but by the guidance of the Holy Spirit and some reliance on the more heavily weighted votes of popes, bishops, and priests.
But being a wise old mother, the Church realizes that in the current stage of human development or if you dont like that term, just plain history the monarchical form of government has lost credibility. The same can be said for those dictatorial forms that have been devised to replace it. Even the Soviet Union, the most successful dictatorship of modern times, has begun to appreciate this fact.
So today it might almost be said that it is a question of go democratic or die. And, whether for that or more complicated reasons, the Church is going more democratic. And feeling pain.
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- Online subscription: Subscribe now to New Oxford Review for access to all web content at newoxfordreview.org AND the monthly print edition for as low as $38 per year.
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Connected Vehicle Video
Both the connected car and highway are complex RF environments. While OEMs will have a key role in developing their own value proposition of the connected car, the premise of it remains very much the same. Enabling a safer, more efficient highway system while empowering motorists through data is certainly the future of the automotive industry, but many more steps need to occur before it can be fully realized. Both the connected highway and its connected car stand to benefit from a robust end-to-end infrastructure that allows the efficient process and propagation of life-critical, actionable data.
This paper addresses some key questions facing the automotive world and discusses how Dedicated Short Range Communication (or DSRC) technology is enabling solutions.
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Of all the abandoned places that urbex photographer Darryl Moran, of Subject Matters Photography, has shot, one stands out as being the eeriest. The Monsour Medical Center in Jeannette,Pennsylvania is the one he says was "the darkest, creepiest, and most un-welcoming place to be in, and definitely at the top of the surreal chart. I really can't describe how eery this place felt, nor can my wife or son who each had their own creepy moments which forced them out of the building."
The hospital closed in 2006 and was evacuated quickly.
It would cost $2 million for the city to safely demolish it.
So the city spends $25,000 a year in efforts to keep trespassers and vandals out of the building.
Still, Moran says that getting inside the building was very easy.
He is clearly not the first person to set foot here.
Trespassers have looted medical supplies, including hypodermic needles.
And vandals have set fire to the building several times.
Residents of Jeannette are very concerned about rumors of radioactive material leftover.
The building itself is deteriorating quickly from neglect.
And there's a sense of foreboding creepiness all around it.
Particularly the abandoned morgue in the hospital.
Medical waste, sealed in plastic bags, lines the shelves.
Drawers and drawers of tissue samples lay unclaimed.
It's completely unsanitary, not to mention a huge violation of patient privacy.
Their medical records, including sensitive information, were left behind for anyone to rifle through.
Graffiti marks where others have already gone through the vacant hospital.
And papers have already been searched through.
For nine years, the city has searched for an affordable way to demolish the hospital.
At one point, all of this could have been donated to a charity in need.
Instead, it was simply left to decay.
Credit: Subject Matters Photography


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Why give
Our donors and recipients share the impact giving can have.
Donor profile
Guy Davis
BSc Music, 1992
Donor of Robert Chalmers Memorial Scholarship
I am very proud to have graduated from City, University of London some 25 years ago in music, and fortunate enough to be in a position to have created scholarships in memory of my closest friend and fellow graduate, Robert Chalmers. His achievement in music, prior to his tragic death at the age of 39, was exceptional. I hope his legacy will be a true inspiration to those students who are awarded scholarships in his name.
Scholar profile
Gabriella Soffer
MEng Biomedical Engineering
Recipient of George Daniels Scholarship
I started university a year after the £9,000 fees were implemented and firm in the knowledge that I would have a minimum of £27,000 debt when I would leave. At the age of 18 that was more money than I could understand and was really quite daunting. I took up several tutoring and babysitting jobs so that I could start saving up and didn't even question the idea of living away from my parents' home due to the added financial pressure of that. I jumped at the opportunity to apply for the George Daniels scholarship as I knew that not only would it cover my fees, it would also mean that I could get several of my evenings and weekends back so that I could focus on my work and also have some fun and socialise too, which I hadn't really been able to do until then.
The George Daniels scholarship has not only paid for my fees and given me more time to focus on my studies, it also gave me an incentive to perform to the best of my ability right from the start. I was therefore able to develop a good work ethic right from my first year and continue that throughout my studies. When I started university I did not consider the idea of completing a Master's as I simply wouldn't have been able to afford it, but due to the support of this scholarship I do not have a £27,000 debt so I will be able to complete a Master's next year. This is vital for me as an engineering student because it is very hard to become a chartered engineer with just a Bachelor's. This scholarship has helped me hugely on a financial level while giving me the opportunity to truly reach my potential academically and to knock away many barriers that I face on my way to becoming an engineer. I know without it I wouldn't have got to the point that I'm at now and feel an immense level of gratitude as a result.
Over the past 10 years funding from Santander Universities has now totalled over £1 million. This gift has supported over 200 students in their studies and various programmes and initiatives including entrepreneurship events and internships.
This venture began with Cass Business School which was Santander's first educational partner 10 years ago. On becoming President at City, Sir Paul extended this relationship to the rest of the University and said:
The support our students have received over the years has made a real difference to the lives of many who otherwise might not have benefited from a university education. Santander has played a large part in our success over the past 10 years and as we look forward to the next 10, we do so in the knowledge that we have such a special relationship.
The Marjorie Deane Financial Journalism Foundation's support for City's MA Financial Journalism
In the current often challenging climate of disinformation and a lack of reliable media sources, it seems that high-quality journalistic skills and professionalism have never been more in demand.
Supported by the Marjorie Deane Financial Journalism Foundation, City's Department of Journalism has been providing various innovative elements of the MA Financial Journalism for the last eight years.
The Foundation funds several scholarships exclusively for students on the MA Financial Journalism, which cover course fees in full as well as contributing to living expenses for scholarship students in financial need.
It also supports the unique Marjorie Deane Summer School – a study abroad programme that subsidises student travel to study financial journalism in New York and Shanghai, taking students on the journey through the top news trends in the global economy, guided by leading journalists, academics and financial analysts.
In addition, it continues to provide very generous support for the post of the Chair in Financial Journalism.
We are very grateful for the support of the Foundation which has been invaluable in helping to equip City's current students with the most up-to-date knowledge needed in today's media, and for also helping to develop their interpersonal skills.
Indeed, many Marjorie Deane Financial Journalism Foundation's scholarship recipients have gone on to work for high profile publications such as the Financial Times and Bloomberg.


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The Project celebrates its 4th birthday!
The Project celebrated its 4th birthday on Friday 15th September with a party at Pippins Community Centre.
The Mayor of Axminster, Cllr Jeremy Walden, was the guest of honour (as he was 4 years ago when we opened!) and gave a heartfelt speech about The Project's work. The event was also attended by around 50 people including The Project's staff, volunteers, supporters and young people who use its support groups.
Cllr Walden, in his speech, referred to the value of The Project to local young people, and made reference to how few other services are available to support those with mental health issues. Debbie Humberstone, Founder and Project Manager, said,
"I am so proud of the service we have created at The Project. We are making a difference to many young lives, and by providing help and support at an early stage, preventing mental health issues from escalating into more serious problems. We know our groups are valued by young people, and their parents, but also by schools, GPs and statutory mental health services who all refer young people to us. As we celebrated our latest milestone – our 4th anniversary – it was wonderful to share the occasion with so many friends and supporters. It made my day!"
The Project, which is part of Action East Devon, provides a vital service for young people with mental and emotional health issues aged 13-24 across East Devon, South Somerset and West Dorset. Through its peer support groups, it supports up to 80 young people at any one time. Part-funded by Comic Relief, it must raise more funding through donations and fundraising from organisations, groups and individuals in order to cover running costs.
Earlier this month, The Project launched the crowdfunding campaign #Support4September to celebrate its birthday and raise much needed funds. Decisions about The Project's future will be made in October and if the £15,000 target is not reached, some of its support groups are at risk. The #Support4September campaign runs until the end of the month, and donors can claim one of the fabulous rewards on offer, which range from wristbands and t-shirts through to mental health awareness training for organisations and employees, by visiting www.crowdfunder.co.uk/theprojectyp
Young people who attend The Project's support groups experience a variety of mental health problems, including anxiety, exam stress, bereavement, eating disorders, depression and bullying. They don't need to be diagnosed with a mental illness to be referred. The groups provide young people with a safe, inclusive environment where they can participate in activities which teach them tools and skills they can use to deal with their difficulties in everyday life.
The Project also runs a monthly support group for parents and carers, works closely with schools to educate teenagers about mental health and delivers mental health training courses and workshops. While its support groups mainly help young people across East Devon, South Somerset and West Dorset, The Project's impact reaches much further. Its wider work is already having positive effects on people across the South West, and this will increase if it secures sufficient funding.
The Project hopes to keep providing mental health information, help and support well beyond its 4th birthday – the success of the #Support4September campaign will protect all of its services for the next year. By supporting The Project this September, you will ensure it can support young people in future.
For more information about The Project, visit www.theprojectyp.org.uk, call 07970 167341 or email firstname.lastname@example.com . Please visit its crowdfunding page www.crowdfunder.co.uk/theprojectyp to donate to #Support4September.
PS. We loved our cake! Thank you so much to Heather Upham, at Fancy That Cake Co. in Beaminster for donating it for our celebrations. You are a star, as always! 🙂 x


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This section contains 746 words
(approx. 2 pages at 400 words per page)
Matar recalls the following day in Benghazi, meeting more people he "half remembered" (103). He focuses not on his interactions with these relations, however, and instead on his innate connection with the city of Benghazi that he realized while escaping the company of others in a downtown café with his wife. He pays specific attention to the architecture of the city, and how it tells a story of Banghazi's many influences- Ottoman, Greek, Byzantine, Phoenician, and most prominently, the Roman Catholic Benghazi Cathedral.
Matar provides a lengthy interjection dedicated to the architect of the Benghazi Cathedral where in 1977 two students were publicly hanged in response to a demonstration against government intrusion in universities. Guido Ferrazza was commissioned in 1927 to help draft a new plan for Italian Benghazi, where Matar contends a "unique architectural expression had occurred" (107). This expression intentionally left Benghazi's "cocktail of influences" intact...
(read more from the Benghazi Summary)
This section contains 746 words
(approx. 2 pages at 400 words per page)


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Taiwan's smartphone maker HTC Corp today unveiled a new flagship smartphone, One A9, taking on Apple's latest iPhones, but analysts say it's unlikely to boost the struggling company's market share.
The HTC One A9 has a 13-megapixel camera, and is the first non-Nexus phone to use Google's newest operating system.
The homegrown Taiwanese brand, once a star of the smartphone sector, is suffering losses as it grapples with intense competition from Samsung, Apple and rising Chinese brands.
The company is taking action to turn its business around, which involves job cuts and streamlining its product offerings to focus on high-end phones.
The A9 — which will go on sale next month — will lift revenue in the fourth quarter as vendors start stocking the product, but consumers will not necessarily follow, said analyst Calvin Huang of Sinopac Financial Holdings Co.
"It may attract those who can't afford the iPhone but there are a lot of better phones as well on the market at cheaper prices," he told AFP.
"The smartphone market is getting increasingly crowded. I don't see any hope for a turnaround."
Observers have taken to social media to note how similar A9's appearance is to Apple's iPhone 6s, some calling it a "clone."
"(We're) unveiling a phone that stands apart in a market increasingly dominated by a company which controls every aspect of your phone," HTC's CEO Cher Wang said in a statement.
HTC is directly challenging Apple's dominance, marketing the A9 as a bridge between the iPhone and other Android devices that are not user-friendly.
HTC shares dropped 6.41 per cent to close at Taiwan Dollars 75.90 in Taipei today.
"The product and price is pretty good, but the market is crowded with tons of product," said Richard Ko, an analyst for KGI Securities.
"Are the phone's differences going to get people to choose it? That's uncertain."


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Graco Atlas 65 2-in-1 Harness Booster by Graco
Graco Atlas 65 2-in-1 Harness Booster by Graco
Not Available - stock arriving soon
Product Information (more info)
Description of Graco Atlas 65 2-in-1 Harness Booster from Graco
We are happy to offer the fantastic Graco Atlas 65 2-in-1 Harness Booster.
With so many available recently, it is wise to have a brand you can trust. The Graco Atlas 65 2-in-1 Harness Booster is certainly that and will be a excellent purchase.
For this price, the Graco Atlas 65 2-in-1 Harness Booster is highly recommended and is always a popular choice for lots of people. Graco have included some great touches and this means good value.
Manufacturer Description
Help to guarantee your child's safety and comfort with the Graco Atlas 2-in-1 Harness Booster Car Seat - Nyssa. The Simply Safe Adjust harness system changes both the harness and headrest without any rethreading while the harness storage compartment which enables you to keep the harness with the seat when you've transitioned to the high back booster mode. Extra Features: Meets or surpasses US safety requirements Harness changes to 10 height positions Harness storage compartment Open loop belt guides 1-hand, adjustable headrest adapts to your growing child Open-loop belt guide for correct placing Machine washable seat cushion Dimensions: 22L x 19W x 25H in.