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It was a great night documenting the 2016 Georgia Military Veterans Hall of Fame. So many hero's came from Georgia. Each and every year my mind is blown away by the heroism of the inductees. Thank you all for your sacrifice and your service. View the entire gallery of photos … Continue reading
Post filed under : Military
Post filed under : Military
Georgia Military Veterans Hall of Fame 2016 – Columbus, GAby Nathan, November 6, 2016
Georgia Military Veterans Hall of Fame 2014 | Columbus GA Event Photographerby Nathan, November 20, 2014
This year I had the privilege of being the Columbus GA Event Photographer for the Georgia Military Veterans Hall of Fame for the second time. What a great honor to photograph living, breathing hero's. Men who fought on the front lines for our freedom and liberties. There is no doubt in … Continue reading →
Tagged on : columbus ga event photographer , Event , Miltary , Portrait
Turning Blue Ceremony in Ft. Benning GA | Nicodemus Familyby Nathan, February 12, 2013
I had the great pleasure to document the Turning Blue Ceremony for Chris Nicodemus and his family in Fort Benning, GA. Chris' wife, son, mother & father flew in to witness and celebrate his awesome accomplishment.
Filed under : Military
Nolan Dunn | Ft. Benning Ranger Graduationby Nathan, January 15, 2013
If you've never been to a Ranger gradution make sure to do put it on your todo list. Its most definitely an "explosive" experience. The Ranger course is one of the toughest
Filed under : Military


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Fitting a high security mul-t-lock tubular dead bolt
A client who lives and works in Jericho in Long Island moved in to a new office. He asked us to change the lock on the front door. He had bought a high security mul-t-lock tubular dead bolt which required advanced expertise to have it installed. When he called us, and described the job he wanted us to do, we picked the best tools for the job and left for his office. We had a template to help in install the deadbolt. On arrival, we used a template to mark reference points using the template and made holes for the deadbolt. We used a standard bit to drill the required holes.
We drilled another hole at the edge of the door for the dead bolt. We used a wood chisel to mortise the area around the faceplate and around the corners. We then fitted the cylinder and the thumb plate on the exterior and interior side. We aligned the screw holes and fastened the dead bolt. The client was happy with the job and thanked us.
[widgetkit id=2073]

subset: commoncrawl


text: The Claremont MakerSpace On a mission to encourage creativity, innovation, and entrepreneurship in the Greater Upper Valley Region. ABOUT Building on history – Designed for the future. About Membership Access to tools that inspire. Access to space to create. MEMBERSHIP DONATE Help us bring the Claremont MakerSpace to life. Support


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Explore the most popular trails near Tianmashan with hand-curated trail maps and driving directions as well as detailed reviews and photos from hikers, campers and nature lovers like you.
Nice walk in the bamboo words but I would rate this trail as super easy. If you're looking for a workout, then you will need to go up and down a few times.
Also, if you're coming from Shanghai, it really is out in the middle of nowhere. There is 郊区, but this area was full fledged 农村。 So be prepared to get your taxi driver to wait for you so you have a ride back. Otherwise, you will likely need to take a "black car" or potentially a bus to the subway station to get back into town. If you do see a legitimate taxi, it will be a local 松江 taxi and they wont take you out of town. By car, it is about 1-1.5 hrs outside of Shanghai. I didn't go the train option, but google estimated that at around 2-2.5 hours which sounds about right. You will need to change lines from #9 line coming back into town. This is not a long distance to travel for a great hike, but this was by no means a great hike.
Temple was ok. Nothing spectacular here.
Firstly, let me say up front, that this is not a hiking / adventure destination that you should go too far out of your way to see. Before you hop on an airplane to fly around the world, make sure to line up a more significant target destination. If you happen to be in the vicinity of Tianmashan, why not climb up the mountain to see what you can see?
If you are tired of being in the big city, here is a place in the greater Shanghai area, where you can commune with nature. There is a paved trail, with stairs in places, that goes up to the top of the hill, where there is an ancient leaning tower. I would estimate that there are at least 3-4 miles of trails that meander about. There are lovely forests and nice views of the surrounding countryside. At the base of the hill, in the surrounding villages, there are lots of small, country restaurants where you can get some tasty local food. If you need a break from the hustle and bustle of Shanghai, this is a perfect place to go for a day trip.


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New Teen Models Wanted
I'm scouting for new teenage models in the 13-16 age range to participate in fun, but daring, glamour style photo shoots such as the examples on this page and the samples page.
I pay all new models that work with myself and the awesome staff here (make-up girl, hair stylist, outfit girl) on these fun projects. I also pay all travel costs for models & parents I fly in from across the USA. Parental permission required.
Please read this entire page carefully.
No Experience Required
I've been in the picture business over 25 years and can coach new girls as long as they have a good attitude and are fun to work with.
I only work with females that have nice facial features and smiles, along with a slim and trim shape that looks awesome in a tiny bikini or lingerie. I never hire girls that have tattoos. Most of my projects and outfits call for the models to have a very fresh and tone appearance.
Who I Am
From 2001-2013 I ran a popular website featuring 200 teen models from across the USA. It was much like the Sports Illustrated Swimsuit Issue except I didn't use famous models or produce a paper magazine edition. To get attention and make the site popular I hired models in the high school age range (13-16) and did photo shoots in Colorado, Florida, Hawaii and the United States Virgin Islands as you'll see on the samples page or the behind the scenes video page.
Some models became so popular that I created their own fan club style website where they would share in the profits. It was fun but after 12 years I retired to relax and travel.
What I'm Planning
I'm now back and preparing for fun new glamour style photo shoots like those on the behind the scenes video page. I'm looking for new girls to shoot in my glamour style photos. Next my helpers and I use advertising and our social media to show samples and spread the word about the new models to make them popular (under a stagename).
Thats followed by opening fan club websites featuring each new models best photos and videos. I charge fans a monthly subscription fee like a magazine does and we split the profits each month. The solo-model sites I ran 2010-2013 before my short retirement paid each girl at least $2000 a month.
How It Works
The first step is to carefully review this page and the photos on the samples page here so you know what style of work I do. You can also see some silly cell phone videos on the behind the scenes video page here. Then, if interested, check with your mother or guardian to confirm its OK to apply to be one of my new models.
Remember, I'm only interested in girls that stay in great shape, have clear skin, great hair, a nice smile, lots of confidence and do not have any tattoos.
Apply Now!
If you're a confident teenage girl that looks good in a bikini please submit your information and recent photos below. The photos should be recent and clearly show your face, hair and shape.
If your information and photos fit what I'm looking for I'll contact you by email to discuss the project further. Please remember, I only hire girls that have parental permission and zero tattoos. If you have any questions please call 303-474-4449 or email email@example.com.


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A Personal Portrait of the Royal Family Paperback
by Colin Edwards
A Personal Portrait of the Royal Family elegantly showcases one man's devotion to the British Monarchy.
Colin Edwards has become a familiar face at Royal events; so frequently attending visits and walkabouts that most of the Royal figures know him by name.
Over the past 30 years Colin has collated a vast collection of photographs and has vivid emotive, personal memories of his many meetings with the Royals.
His interest was sparked when he was just 12 years old, as he watched the Coronation of Queen Elizabeth II.
Like many, he was mesmerized by the procession, ceremony and the pageantry for which the British Monarchy has become renowned.
The stunning, never before seen photographs in this book are Colin's personal tribute to our beloved Queen who has served the British nation and the Commonwealth with devotion and dedication for over 60 years.
- Format: Paperback
- Pages: 162 pages
- Publisher: Candy Jar Books
- Publication Date: 15/04/2014
- Category: Photographs: collections
Free Home Delivery
on all orders
Pick up orders
from local bookshops
Also by Colin Edwards


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Old Capital Golf Club
1605 Hwy 62 NE
Corydon, IN 47112
Phone: 812-738-2277
Online Tee Times
Follow Old Capital Golf Club
Golf Specials
Digital Golf Pass Deal - Free Trial Book Tee Time - GolfNow Book Tee Time - Golf18
Golf Course Information
Golf Course Information:
- Course: 18 Holes
- Course Type: Semi-Private
- Architect: Chris Cummins
- Opened: 1946
- Head Pro: Justin Holland
- Back Tees: 6706 Yards
- Back Slope: 133
The Old Capital Golf Club was originally founded as a nine-hole, member-owned golf course in 1946, known as the Corydon Country Club. The charter members bought the land, built the clubhouse and course, and were responsible for all upkeep and maintenance to the property and buildings.
The original course had sand "greens". Each "green" would have to be smoothed out by the last player in each group before going on to the next hole. The actual greens were installed in 1957, (the only year in the club's history that there was no Club Championship tournament played)
Golf carts made their debut at the Corydon Country Club in the mid-sixties -- the first carts used at the course were one or two that were privately owned by members. Then the club board decided to purchase six golf carts and charge a fee for members to use them, disallowing the use of private carts.
In 1995, the members purchased additional land, and added nine additional holes, making it an 18-hole, par-72 championship course. In 1998, the club was purchased by Douglas T. Breeden and Mark B. Wiseman -- both long-time residents of the area -- and was renamed the Old Capital Golf Club. (Mr. Breeden has since become the sole owner) The club retained a golf membership, with various levels and benefits available, but also opened the course to public play.
The new owners devised a renovation plan for the 18-hole course to make the Old Capital Golf Club one of the best in Southern Indiana! Nine new holes were opened in July, 2000, and the remaining nine were opened June, 2001. Recent renovations have been completed on hole numbers 14, 8 and 9 as well as many new tees and landscaping. The current owners of Old Capital Golf Club are committed to providing outstanding service , state-of-the-art facilities and a great golf experience to all of our customers!
Green Fees and Rates
Please call 812-738-2277 for current rates.
Driving Directions
From Lanesville
Take Hwy 62 West From Lanesville. After approx. 6 miles, look for Corydon--New Middletown Rd. on the left. The next left is the entrance to the Club.
From Louisville
Take Interstate 64 West.
-Method#1: Take the Lanesville exit (#113) and turn left at the stop sign. Continue until the road ends at Highway 62. Turn right onto Hwy. 62 (to the left is Lanesville) and follow directions above.
-Method #2: Take Interstate 64 to Exit 105. At stoplight, turn right onto Hwy. 135S. Turn left at third light, and continue on Old Hwy. 135S. Follow 135S (Capital Ave.) through two more stoplights into Corydon, and turn left at the third light (Chestnut St.). Continue on Hwy 62 E (Chestnut St.) past the stoplight and through Corydon. Turn right into the Club about 1-1/2 miles out of Corydon(you will see the course well in advance)
From Leavenworth
Take Hwy 62 east From Leavenworth. Follow the signs and stay on Highway 62 all the way through Corydon. The club is about 1-1/2 miles past Corydon on the right.
Green Fees and RatesCall 812-738-2277 for rates and tee times.
Tee Times & Reservations
ReservationsCall 812-738-2277 For Reservation Policy
Golf Course Amenities
Par 3:
Driving Range:
Putting Green:
Water Hazards:
Sand Bunkers:
Pro On Site:
Homes On Course:
Golf Community:
Credit Cards:
GPS Carts:
Laser Link:
Rental Clubs:
Banquet Hall:
Locker Rooms:
Foot Golf:
Bermuda Grass
200, 150, 100 Yard Markers
Outing Information
Contact Old Capital Golf Club at 812-738-2277 for more information and details on holding a golf outing at the course.
Lodging Options
Contact Old Capital Golf Club at 812-738-2277.
Restaurant and Dining Options:Contact Old Capital Golf Club at 812-738-2277 for onsite or nearby dining options.
Weather and Forecast
Course Reviews
Nearby Courses
- New Salisbury Golf Course - New Salisbury
- Old Capital Golf Club - Corydon
Managers and Owners Login To Modify This Profile
This profile was last updated on 07/09/2013 and has been viewed 5,774 times.


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NEW YORK--(EON: Enhanced Online News)--Citi's Issuer Services business, acting through Citibank, N.A., has been appointed by BEST Inc. ("BEST"), a Cayman Islands exempted company with operations in China, as the depositary bank for its American Depositary Receipt (ADR) program.
"Citi is proud to be selected as depositary bank for BEST's ADR program"
BEST's program was established in connection with a $450 million initial public offering of its American Depositary Shares (ADSs), originally priced at $10.00 per ADS. The ADSs are listed on the New York Stock Exchange under the symbol "BSTI." Each ADS represents one Class A ordinary share of BEST. As a single-listed ADR program, the underlying Class A ordinary shares are not listed or publicly traded in the issuer's home market.
"Citi is proud to be selected as depositary bank for BEST's ADR program," said Dirk Jones, Head of Global Issuer Services at Citi. "With Citi's global presence and investor relations expertise, we are confident our powerful platform will help to facilitate the success of BEST's program."
Citi is a leading provider of depositary receipt services. With depositary receipt programs in 61 markets, spanning equity and fixed-income products, Citi leverages its global network to provide cross-border capital market access to issuers, intermediaries and investors.
For more information about Citi's Depositary Receipt Services, please visit www.citi.com/dr.
Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.
Additional information may be found at www.citigroup.com | Twitter: @Citi | YouTube: www.youtube.com/citi | Blog: http://blog.citigroup.com | Facebook: www.facebook.com/citi | LinkedIn: www.linkedin.com/company/citi


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The Malaysia My Second Home Program or MM2H is open to all the countries recognized by Malaysia. You have to complete the official requirements to get the approval for the visa. These requirements include a minimum amount of monthly income, liquid assets, a fixed deposit, and some other rules.
The MM2H visa holders aged 50 and above, are allowed to get a work permit in Malaysia and they can work for up to 20 hours a week. It is applicable to the visa holders who have professional skills in certain sectors. The approval of a part time work by the committee depends on the view if the job could be done by a Malaysian. Even, MM2Hers are allowed to set up and invest in business in Malaysia. They are also subject to the previously mentioned regulations like other foreign investors. But they are not permitted to get involved in the day to day running of the business in Malaysia. If they are willing to do so, they must switch their visa to a work permit and this is a subject to approval by the Malaysian Government.
Generally, two types of part time jobs are available in Malaysia.
- Part Time Lecturer
- Part Time Job
For the job of a Part Time Lecturer, you have to take care of these requirements.
- The applicant must be above 50 Years Old
- Letter of Intention
- Letter of Acceptance from Public / Private Higher Education
- Letter of Permission from Malaysia Ministry of Education
- Advertisement in local newspaper for the intake of local citizen
- Original copy of your Working Contract and its copy
- Personal Income Tax Relief Letter Form Inland Revenue Board of Malaysia (LHDN)
- Copy of your Passport (Pages of Particulars & MM2H Pass)
For a Part Time Job you have to fulfill these criteria:
- Applicant & Company's Representative.
- Applicant Must Be 50 Years & Above.
- Letter of Application From Company
- Authorization Letter From the Company
- Photocopy Mykad (MyKad is the compulsory identity document for Malaysian citizens aged 12 and above)
- Designation in Company
- Covering Letter Explaining Company Activities & Job Justifications
- Letter of Offer From The Company
- Duration of Employment Contract
- Duration of Working Hour
- Remuneration
- Latest Print-Out Companies Commission of Malaysia Form 9, 24 & 49 and it must be verified by Companies of Malaysia.
- Business License From Local Authority.
- Recommendation Letter From Related Agency (which ever related). It might be from the sectors such as Education (Ministry of Higher Education / Ministry of Education), Health (Ministry of Health), Manufacturing (Malaysia Industrial Development Authority), Banking, Financial & Insurance etc.
- Certified Copy of the participant's Passport.
- The Resume of the Participant
- Copy of Passport (Pages of Particulars & MM2H Pass).
- Completed DP 10 Form.
- Advertisement in local newspaper / Job street for the intake local citizen.
- Personal Income Tax Relief Letter from Inland Revenue Board of Malaysia (LHDN) - Salary Above RM 10,000.00.


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For complete orthodontic treatment, metal wires are inserted into orthodontic brackets (braces), which could be made from stainless steel or a more tasteful ceramic stuff. The wires connect to the brackets to move teeth into the locations that are desirable. Other or Invisalign aligner containers include clear plastic trays that transfer teeth. Practical appliances tend to be employed to re direct jaw growing.
Practical appliances, by way of example, are used in growing patients (age 5 to 14) together with the objective of changing the jaw dimensions and connection if these are changed. This treatment, called Dentofacial Orthopedics, is often followed by frozen mount therapy ("full braces") to arrange the teeth and refine the occlusion.
Retainers are the most common variety of retainers. This picture shows retainers for the top of the mouth.
Orthodontia is the specialty of dentistry which is focused on treating improper stings and jagged teeth. Orthodontic treatment can help put these in the correct place and fix the patient's teeth. Orthodontists usually use braces and clear aligners to set the individual's teeth. Orthodontists work on re-building the whole face as opposed to focusing simply on teeth. After a course of active orthodontic therapy, patients will generally wear retainers (orthodontic devices), which help preserve tooth in their improved spots while encompassing bone reforms around them. The retainers are ordinarily worn full time for an interval, anywhere from just a few days to annually, then parttime (commonly, nightly while sleeping) so long as the orthodontist Tucson advocates. It truly is potential for the teeth to stay aligned without regular wear. Nevertheless, you will find several reasons teeth will crowd as a person ages, whether or not the individual ever experienced orthodontic therapy; consequently there is no warranty that teeth will remain aligned without retention. For this reason, many orthodontists prescribe night-time or part time retainer wear for several years after orthodontic therapy (potentially for life). Mature orthodontic patients will want life maintenance.


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Well, we haven't been too good about keeping up with the blog lately. Here's the news from the fall. Delaney had her 15 month appointment in November and she's up to 33 1/4" and 25 lbs. Still well off the charts for height (most people think she's 2 already with her long hair and running around like crazy!). She is doing great though and happy as can be.
She is saying quite a few words now, even a short "sentence" ("more-dat!"), and can really follow directions and respond to questions. It's fun to see her reactions and how she figures out how to express what to she wants or needs. She has figured out how to put on her own hat and to unzip and take off her pajamas, also very good at climbing onto chairs and tables. She loves other kids and goes up to them in stores or wherever and pats them on the tummy or shoulder and says "hiii" with a big smile.
Here are some photos from the things we have been doing. In September, we had a fun time at Wine Fest with Kathleen and Grandma and Grandpa and celebrated our first birthdays.
In October we went pumpkin picking in Gloucester and on hikes in the woods with Ollie.
At the end of October we spent a bunch of time with Michael in Easthampton while Auntie Katie was in the hospital. Lola took them to a farm one day to see the animals and play with the toys and they went trick-or-treating together.
Right before Halloween, we got a new baby cousin Ethan Gabriel! He wasn't supposed to come until Christmas, so he is a little guy - born at 2 lbs. 15 ounces. He did a great job in the NICU and grew a lot and now is at home and up over 5 lbs. We are SOOOOO happy that Katie and Ethan are doing well now. He's a cutie and we can't wait to see him for Christmas.
In November we went to the Boston Children's museum with friends Luke, Natalie, and Jason. It was a great place and there were lots of things to explore and play with.
In early December, we got a Christmas tree and started looking for Santa. First, we saw him arrive in Rockport by lobsterboat!
(He's little but you can see him waving on the deck of the boat).
Then we found him at the local hardware store and even Ollie got to tell him what he wanted for Christmas!Later in the month, we had our first real family vacation!! We flew to New Orleans for a long weekend for Kelly's birthday. It was a blast and Delaney did an amazing job on the plane and all around the city. She was waving and saying "hiii" to everyone and lots of people played peek-a-boo with her. Her favorite part though, was playing in the pillows on the king-size bed.
We ate a lot of great food, heard some fun music, saw lots of Christmas trees, went to the zoo and some parks, and even got to meet up with some good friends that we had been missing.
Fun dinner at Jacques-Imo's with Ashley and Adam. Delaney had fun people watching (especially Adam!).
Lunch in the quarter with Rachel, Alex, and baby Sebastian who has a fun birthday 10-10-10!!
Happy holidays everyone, and we can't wait to see you for Christmas!


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We are a California based "Full-Service Real Estate Investment Company" that specializes in:
- Buying/Holding
- Rehabbing
- Flipping
- Developing
- Managing Properties
Ward-Schurr, Inc. was primarily established to purchase, hold, rehab, develop and manage real estate. The company currently owns and manages over 60 condominiums in Houston, Texas, and several properties in Los Angeles, California.
Currently, Ward-Schurr is purchasing real estate in Southern California. Most of these properties will be sold for substantial profits which would yield great returns for our investors.
James Ward – President/CEO
James Ward has been in the Real Estate business for over 27 years. Currently the broker for Exit Real Estate Group in Hollywood CA, where he Manages operations of the real estate sales team. Exit Realty is a fast growing franchise in the USA and Canada. Before becoming a broker with Exit, James worked as a sales associate at Nelson Shelton in Beverly Hills for nine years.
He started his career in Real Estate at Century 21 in 1988 and was a top agent for most of the ten years he was there. Through the years, Mr. Ward has purchased and sold a great deal of personal real estate. He currently holds a large portfolio of real estate through Ward-Schurr investments. He is also the Supervising Broker of Innovative Lending Group, a growing mortgage company.
Barak Schurr – Vice President
Barak Schurr founded Wanttickets.com in 1999, turning it into a dominant online ticketing solution for the nightclub and nightlife industry, worldwide. He is currently VP of Nightlife Division at Eventbrite…focusing on acquisition of new accounts, opening up new markets globally, and developing strategic nightlife partnerships.
As Vice President of Ward–Schurr, Inc., he oversees Investor Relations and several aspects of marketing for the organization.
Meet our team
Walter Richards
VP, Investor Relations
Victor Ward
Property Manager
Josh Thompson
Acquisition Specialist
Arundel Hunter
V.P. Operation/Project Manager


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We work from Monday to Saturday between 7am-6pm & on Sundays we only make bookings for monday.
No, We donate the rego plates back to the customer along with our company receipt which will have all the details of the company. Customers need to hand in the rego plates to the RTA & they will provide the cancelation of registration form that will need to be completed in order to cancel the registration.
It only take a couple of hours from the time booking is made & approximately 10 minutes to pick up the car.
No, The Car Removal service is absolutely free & there is no hidden cost for the removal.
We only pay cash for cars during the removal. When the driver arrives for the car, cash payment will be made & the car will be taken away.
I was very impressed with Cash for Car. They provide excellent services for us. I highly recommend cash for car if you want good services.
I got a great service from here.The Cash for Car teams are really good.Thank you guys for making selling our vehicle so easy.
I'm very happy with the service I received today – polite driver, quick removal and prompt payment. I was also impressed by how quickly the pick-up was arranged. A stress-free experience Thanks!
Amazing service plus hot day and offered me a water. A++


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Welcome to our website.
You can choose another country to view available products or go to our Global website for company information.
Energy efficiency was a priority when we built our APAC head office in Macquarie Park, New South Wales. To ensure the building would operate at the highest standard, a Schneider Electric BMS was installed and integrated with a Schneider Electric EMS and a Clipsal DALIcontrol Lighting System.


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NANJING, July 15 (Xinhua) -- The shuttle bus fire, which killed 24 people and injured 19 others on July 4 in east China's Jiangsu Province, was arson and the suspect was killed in the fire, the local police spokesperson told Xinhua Thursday.
According to the municipal public security bureau of Wuxi, the 57-year-old male suspect, named Dong Chuansheng, was an employee with No. 630 factory of Xuefeng Steel Company run by Jiangsu Shagang Group, China's largest private steel plant.
The spokesperson said Dong was paranoid and committed the crime out of grudge.
The shuttle bus fire occurred at 11:16 p.m. July 4 inside a flyover tunnel in Wuxi City, killing 24 out of the 45 workers on the bus at the scene. The workers were from Xuefeng Steel Company.
The police spokesperson said that six out of the 19 injured had been discharged from hospital, and the remaining 13 were in stable condition.


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History & Staff
We have years of experience caring for families, from all walks of life. Each family comes to us because they know we are leaders in our profession, dedicated to excellence in service, and have the highest integrity.
Our History
On Sunday, May 18, 1997, the Mabrie Memorial Mortuary officially opened its doors with a grand opening and ribbon-cutting ceremony.
Exquisitely designed in Egyptian decor, the mortuary presents an innovative approach to providing memorial services for bereaved families.
Located at 5000 Almeda in the historic Third Ward/Museum District and business community, the building was initially constructed in early 1951 as the Caloudas Building and then later known as the Riverside Medical and Professional Building, which housed several local prominent physicians and doctors. The building also accommodated several local real estate, architectural and engineering firms until late 1984. It remained vacant until it was purchased by Dr. Herman Mabrie in 1993 with construction beginning in 1995.
"The Mabrie Memorial Mortuary is a symbol of the combined efforts of many individuals of the Greater Houston and Third Ward communities," commented Dr. Mabrie, one of the owners of the mortuary.
Mabrie further stated, "The construction and completion of the Mabrie Memorial Mortuary attributes to the commitment and devotion of their creative vision. Their contributions enhance the meaning and personification of community and corporate partnerships and their dedication to the economic prosperity of our community."
The mortuary is a true visual testimony of African American culture. It was designed by Archi*Technics/3 Inc., which is a multi-disciplined full-service architectural firm with over 50 years of collective experience ranging from building design and construction management, to interior space planning.
The facility is also beautifully graced with artwork from several prominent African American artists including John Biggers, Israel McCloud, Marsha Dorsey-Outlaw, Burford Evans, Helen Joyce Rachal, Kermit Oliver, Joseph Moran, Rhonda Radford, Lionel Lofton, Charles.
We invite you and your family to experience a different level of service at Mabrie Memorial Mortuary.
Our Valued Staff
Herman J. Mabrie III, M.D., Board of Directors
The eldest son born to Herman and Imelda Mabrie, Herman James Mabrie, III was informed at an early age by his mother that he was to become a physician.
Graduating with honors from Kashmere Gardens Jr-Sr High School, after earning his Bachelor of Science Degree from Howard University in 1973, he graduated from Meharry Medical College as a medical doctor..
In 1978, Dr. Mabrie became the first African-American to be accepted and graduate from the Baylor Affiliated Hospitals Otolaryngology Head and Neck program.
While serving his community as an Ear, Nose, and Throat surgeon, in 1991, his sister, Imelda Rose Mabrie Hall passed away. As part of his grieving process, in 1997, Dr. Mabrie became the principal owner of Mabrie Memorial Mortuary.
The mortuary's mantra of "Caring Professionals In Your Time Of Need" is meant to clarify to families the mortuary staffs' understanding that losing a loved one is not only serious but also often sensitive, emotional trauma. Most important is that the mortuary staff assists families in a way that minimizes any distraction to the family from their immediate grieving process.
Working with families in addressing their individual grief management, helping the transitioning process for families after losing a loved one, and assisting families with navigating financial versus ceremonial considerations are can-do and must-do areas of excellence for the mortuary staff.
Continuing his active practice of providing ear, nose and throat care to the community, Dr. Mabrie recognizes that no greater privilege exists than being allowed to assist a family in funeralizing their loved one.
Email: [email protected]
Gerald W. Womack, Board of Directors
Gerald W. Womack is President/CEO, Womack Development & Investment (WDI), a full-service commercial and residential real estate brokerage firm. Womack Development is a 100% minority-owned company and is a certified Minority Business Enterprise by the City of Houston and State of Texas. Gerald Womack attended the Jesse H. Jones School of Business, Texas Southern University. He has been in business over 40 years. He has worked in many local political campaigns and serves as Campaign Manager for Congresswoman Sheila Jackson-Lee.
Currently, Mr. Womack serves as president of the Houston Black Real Estate Association (HBREA). In August 2013, as a result of Gerald's outstanding guidance, he received, at the 66th National Association of Real Estate Broker's Convention, the 2013 Local Board President's Award.
Additional professional, community leadership accomplishments include: Honoree, 2013 Texas Southern University Legends & Leaders-Business Trendsetter; 2013 World Youth Foundation Community Partner Award; 2013 Texas Lay Organization, Outstanding Service to Our Community Award; Federal Political Coordinator for the National Association of Realtors; National Association of Real Estate Brokers; Alpha Phi Alpha Fraternity Inc.; Board of Mental Health and Mental Retardation Authority of Harris County (MHMRA); Commissioner of the Harris County Housing Authority Member; and many others
Email: [email protected]
Ms. Cynthia A. Jones, Board of Directors, Funeral Director In Charge
Email: [email protected]
Justin L. Mabrie, MBA, Vice President of Operations
Justin L. Mabrie, a native Houstonian, has been involved with Mabrie Memorial Mortuary since his teenage years. The youngest son of Herman J. Mabrie, III, MD and Linda Broussard Mabrie, Justin combined his strong family values and drive for excellence to explore the world while pursuing varied interests in writing, acting and communications.
Justin graduated cum laude with an Masters in Business Administration from Hampton University. Moving to Los Angeles, Justin was a visual manager in retail, brand ambassador for electric cars and pursued acting roles in television and film. He was blessed with minor acting roles and television appearances.
Justin later lived in the Middle East where he was Director of Communication & Admissions at his high school alma mater, Michael E. DeBakey High School School for Health Professions - Qatar. During that time, Justin developed a heightened appreciation for cultural traditions and practices. Merging American values with international customs proved to encompass skills much like what it takes when planning family funeral arrangements for a loved one: honoring their unique characteristics while keeping the family's desires at the forefront of planning.
Justin's time away from Houston was influential and exciting. Finding his way back to Mabrie Memorial Mortuary has been a priceless path inclusive of varied experiences that have made his journey back home that much more impactful.
Understanding at a young age that compassion and a keen attention to detail are important qualities in the funeral industry, Justin's joy of being back home is endless. Upholding the nuances of what it means to be a 'Caring Professional In Your Time Of Need,' he loves to share this commitment with all individuals who walk through the doors.
Additionally, Justin is a published writer on relationships. His book, Riding Relationship Waves, is Justin's refreshing perspective for understanding the dynamics of healthy relationships grounded with traditional values. With an aim to encourage people to form meaningful relationships at their own pace, Justin explores universal truths that apply across cultures and genders.


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Here we are once more, the third year running, at the Mud Crew Arc of Attrition weekend. 100 winter miles of running around the coast path from Coverack to Porthtowan; one of the toughest races of its kind in the UK. I've yet to savour it's delights as a runner but have filmed, photographed and marshalled the last two years. This year the works on my house looked set to keep me away but I managed to get down to the coast for a couple of hours and see everyone through the first leg.
Well, almost everyone. The lead runners ran past as I was coming down the road in my car on the outskirts of Porthleven, on their way to a new course record.
I walked from the Loe bar car park to Gunwalloe fishing cove, shooting as I went, only turning back as the sun dipped below the horizon and to my horror I realised I'd come out without my headtorch!
As I had a bit of time to kill I headed over to rinsey on the way to pick up my girls from guides and got a long exposure of some of the runners coming through before getting back to my nice warm house. Funny to think the competitors would be running still as I got up and, for many would be out there till late on the Saturday evening. Tough stuff.
These are my favourites, the full set are available should anyone want hi-res copies or prints - here
I've been trying on and off to get this image for some time. Light pollution & cloudy skies have prevented me from coming away with an image I'm happy with on a few occasions, but this time things worked out and I got the shot I wanted. The Giant's Quoit beneath a star filled sky, with the milky way just visible like a spirit rising from the ancient site.
We've had some beautiful crisp mornings this week down in Cornwall. Coming down the hill from Cundurrow I'm often treated to some lovely sunrises and I had a few minutes the other day to grab a few shots:
This weekend I was in attendance at the Freedom Racing Clowance Woods race. a two lap, four mile trail run around Clowance Estate. It looked a lot of fun. Being asked to shoot a variety of images to give a flavour of the race, rather than trying to ensure one (or more) shots of every competitor gave me the freedom to experiment with different locations and styles and pick out the best moments and compositions. As a photographer this is much more rewarding than standard event photography which can sometimes feel like a bit of a production line.
I've run a few of the Freedom Racing events and they always deliver a good event and an interesting course. Hearing the feedback around the course it was clear to see this one is no different.
Images from the Tate Modern, observing the observer
"Vision is the art of seeing what is invisible to others"
Jonathon Swift
"Art is not what you see, but what you make others see"
Edgar Degas
"Imitation is not just the sincerest form of flattery - it's the sincerest form of learning."
George Bernard Shaw
"There are always two people in every picture: the photographer and the viewer"
Ansel Adams
"Observation is a dying art"
Stanley Kubrick
"No art passes our conscience in the way film does, and goes directly to our feelings, deep down into the dark rooms of our souls"
Ingmar Bergman
"A good photograph is knowing where to stand."
Ansel Adams
"Photography is an art of observation"
Elliott Erwitt
"In the field of observation, chance favours only the prepared mind"
Louis Pasteur
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January February (1) March (1) April May June July August September October November December
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(3) January (3) (1) February (1) March April May June July August September October November December
January February March April May June July August September October November December


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Former For Him Magazine (FHM) marketing associate responsible for For Him Magazine's (FHM), TopGear Malaysia and FourFourTwo magazines marketing, brand management, promotions, sponsorship, strategic partnerships, TVCs, radio ads, website, social media (Facebook) and talents under MEASAT Publications.
Moved on to become the marketing manager in charge of Juice, Hanger, Mint, Stuff, Evo, Clive, K-Zone and Fairways at Catcha Lifestyle Publications.
Currently the founder and Managing Editor of Malaysia's Hottest Bloggers.
Contact Info
Tim Chew
Managing Editor
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For press releases and event invites, email email@example.com
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Eyelashes, eyebrows, and the hair on your baby's head develop around this stage of pregnancy. The lanugo hair present on the baby since the beginning of the second trimester falls off, only few hairs may remain on the shoulders and back at birth.
Your baby will weigh about 4 pounds (1,800 grams) and 11.4 inches (29 cm) from crown to rump. Even if you experience premature labor at this stage your baby will have a good chance of survival.
You will be constantly checked for blood pressure, urine, and any swelling that may develop. Symptoms such as sudden weight gain, head aches, swelling in the hands or face, or changes in vision can be signs of preeclampsia. This condition may lead to high blood pressure and protein in the urine. If you experience any of suchpregnancy symptoms you must consult your healthcare provider.
This week your baby can take up the head-down position. Ninety-six percent of all babies come out head first during labor. If your fetus is in a breech position, your doctor might consider turning it manually. You can know more about pregnancy signs at this stage by browsing the pregnancy sites.
You may continue to experience a sore back and swollen ankles. A whitish fluid called colostrums may leak out of your breasts. This milk will nourish your baby for the first few days of his life. Some pregnant women may also have a whitish, vaginal discharge called leukorrhea. This is not a cause for concern and it might increase as you near the delivery date.


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Turbulent Announces First Direct Release Scenery!/
FSX/P3D. As most of you know by now, Turbulent Designs is now officially developing and publishing all future projects directly under their own name. Today, Turbulent Designs has announced that's its first airport release will be California's 2O3 Angwin Parrett Field and will be priced at £4.99. For this release, Turbulent Designs will be donating all profit's to the UK based Over the Wall charitable foundation! More information on Over the Wall can be found here:
http://www.otw.org.uk/ Here are some of the features you can look forward to at Angwin:
- An incredibly detailed, high definition rendition of 2O3 Angwin Parrett Field
- High definition ground poly and baked lighting
- Baked ambient occlusion and other rendering techniques
- 214 square kilometres of coverage at 30cm and 60cm
- 05CL bonus airport included
- Modelled from on-site photography
- "Real Flora" technology
We are looking forward to this next big step for Turbulent and this is no doubt a tremendous way to get started trading under their own name! Stay tuned for release info! More shots and info via the source link.


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This newsletter will be shorter than of late (pause for collective sigh of membership relief). There are two main reasons. One is a comparative lack of action on which to comment. The other, staff holidays in the engine room. The last week of February will therefore be the first week of March this year.
Furthermore there are fewer pictures of deserving members because, as this is written, there hasn't been a prize giving since the fifth of the month. Plus the fact the camera man hasn't been out there for a similar period, trying hard to capture his playing partners at their moment of perfection. Not an easy task at times!
Another reminder that photographs can be enlarged on screen by simply clicking on them. This doesn't often apply to imported pictures, of course.
Prize winners from January 31st included
Some of the stories emanating from the Thursday Roll Up un-official competitions suggest that participants quite like the distraction of complicated numerical points scoring. Similarly there may be some who enjoy a Round Robin now and again. This can require additional concentration, especially after a shotgun start when the first six holes may not be your first six holes! If you see the point. This month kicked off on the 4th., on Campo America, with conditions sufficiently muddy and slippery in parts to lead to a Blue Flags ban. Not only that but a very senior marshal on patrol duty. There were 10 teams of four, including new members Rob and Tina Garner, to whom we were all introduced by the Lady Captain later. More of them anon but for those of us of the 3rd Age Generation the improvement in the club's age demographics is to be welcomed. Meanwhile the leading teams were:-
1st. 82 Wendy Fretwell, Heimo Kupso, Roy Davies, Helena Widegren
2nd. 80 Jill Davies, Vivien Shute, Gerry Rippinger, Tauno Routianinen
3rd. 79 Sylvia McGarvie, Danny Rees, Joop Peels, Libby Robinson
This paragraph may have to be re-written come time of publication but right now, fresh from Campo Europa on Tuesday 7th., with the temperature at a lovely 23 degrees, the mind is less on points scored or companions enjoyed, than on club politics. If that is the right word. The alleged misdemeanours of an individual member, and the consequences springing therefrom, led to an explosion of opinion, a handful of "resignations", the loss of our Lady Captain, and the withdrawal of about a dozen players from today's competition. They opting to do their own thing on Campo America by way of protest.,. Strong efforts are being made to calm the waters and restore harmony amongst members, but if Alison is not able to change her mind, and few would blame her, the club is the loser.
To return to golf proper it is pleasing to report another success for my friendly editorial punch bag who takes everything in his stride, or is ultra diplomatic with strong control over his tongue! Which is not the case.
1st. 36 Dorothee Schmidt
2nd. 33 Isabella Rippinger
3rd. 32 Carin Ollson
1st. 34 David Moody
2nd. 32 Erling Johnson (on handicap)
3rd. 32 Ron Chesterton
It should be mentioned that sky watching John Crombie also got 32 points but somehow his card never reached the powers that be. His was obviously not an intentional Nil Return.
Broadly speaking this newsletter is available on the website a couple of days after month's end. For those not yet accustomed to checking the web site at regular intervals, a little nudge is usually forthcoming from the Secretary with a link direct to the eagerly awaited reading matter. Said he wishfully.
The excursion to La Canada on Wednesday 8thproved fruitful in that our team claimed revenge for their home defeat. 2.5 – 0.5 the result, and explains the happy faces round the post match dining table. Our cheerful warriors were David Moody/Thomas Widegren, Roy Davies/Richard Hines, and Roger Dew/Alan Jewett. The 0.5 came from the Richard/Roy duo who were three down with four to play but managed a storming finish. The team now sit third in the league.
Thanks to the weather the Rest-of-the-World team were able to avoid a heavy defeat at England's hands on Saturday 11th., as the following pictures explain.
For a Medal the conditions underfoot were less than helpful, despite it being a grand day for playing golf. Clear skies and warm sunshine after a while. Not that some of us reached the while stage. Our fourball were first out so probably got the worst of the heavy dew supplementing the recent rains. We quickly became a three ball, then a two ball, and at the turn a vote in favour of a "decent lunch" led to the total demise of the team! Later comment from other participants suggests that few enjoyed their round even though the leading performers managed decent scores on America, on the 14th. Date not tee.
Hero of the day was newcomer Rob Garner who qualified for the Medal Finals later in the year – at his first attempt. With a handicap of 4.6 Rob sits amongst the elite in our club.
1st. 74 Jill Davies
2nd. 78 Anne Hannam
3rd. 81 Connie Maphar
1st. 74 Rob Garner (on handicap)
2nd. 74 Peter Hannam
3rd. 75 Roy Davies
A good day for the Hannam family, which is nice to see, and another consistent performance from the reliable Team Davies. Taking her low handicap into consideration Connie is another player who is always there or thereabouts come prize giving time. What was it Shakespeare said? "Age cannot wither her, nor custom stale, her infinite variety."
It is Sunday morning, the 19th of the month, a disturbed night behind us. What happened above La Cala during what should have been sleeping hours, but weren't, was "A violent disturbance of the atmosphere with strong winds, rain, thunder and lightning." There have been previous storms, of course, but it is difficult to recall one so loud and well illuminated. Nor was the rainfall inconsequential. Looking out on America's 16th. one can see bunkers hall filled with water, large puddles on the green and off it. In the opposite direction water can easily be seen gathered in familiar areas on Asia.
Nor has the rain ceased yet. More gentle, and unaccompanied by noises off, but still enough to deter even the keenest of golfers. The official announcement is not yet to hand but it would be amazing if it wasn't CANCELLED again.
It was.! Successive weekends. Is this a record?
The mother and father of all storms was even worse than we thought, as the EuroWeekly informs this morning. Malaga's clean up bill estimated at 10 million euros no less! 200 weather related emergencies and an estimated 500 cars written off. Most of us were tucked up warm in bed but even so it was quite frightening at times.
There will be some familiar faces amongst the photographs arriving on a regular basis from a warmer and dryer clime. The theme is clear and constant. Gluttony and indulgence. No word of safari parks, nature reserves, breathtaking scenery, and one solitary picture of a zebra, the only reference to the country's abundant animal life. Your editor has injected the photo of the angry lion and his irritating new born cub in an attempt to balance the books. Some golf is being played, of course, mostly by way of working up a thirst, but are there any pictures of members in action? See for yourselves. They have not been edited out.
Looks like they are all having a good time, though?
What used to be one's New Year Resolutions aims is now more of a Bucket List but, either way, it included More Golf. What a laugh! Seven rounds thus far and none positively in sight looking at the weather. An average of once every 7.28 days versus a fairly consistent Spanish yearly average of 3+ days. The Rain Goddess is sunning herself somewhere exotic so why she should have it in for us all here is not known.
It was hoped to include pictures of two quite armless lady members, sporting their latest appendages, Jenny Chesterton and Mary Evans, but these have not been forthcoming. We hope it will not be long before we see again their swing rather than their sling.
TV golf commentators will be delighted to see the new generation of young players hitting the headlines. Just as they manage to cope with Hideki Matsuyama along comes 14 year old prodigy Phashara Khongwatmi !!
Knowing his enthusiasm for the latest golfing trend and technique, might David Moody be interested in tactical periodisation, do you think? An adaption from the soccer model might be the turning point he seeks? Easier than puissance wall jumping, David.
Unsolicited submissions to the editor are, as is well known, as rare as sightings of black tailed godwits, and guaranteed to be less exciting than a visit to Madrid's famed Erotic Museum. Meanwhile, thanks to the medicinally helpful resveratol in red wine, the patient watch continues. Hope springs eternal, etc.
Wattles, dewlaps and snoods are to be seen aplenty midst the ageing ranks of our membership but, whatever the visual deterioration, friendship matches that of Echo the Elephant, who sadly died recently at the age of 69. This is intended as a compliment and not an example of microaggression.
Richard Hines and David Evans, plus their long suffering wives, recently broke off from lengthy workouts on the range to visit the local Palace of Varities to see "The Abba Experience". An unknown source has provided a photograph of them with two of the show's starlets, from which it can readily be seen that David still needs to lighten his grip a bit more.
There has always been at least one keen chicken lover in the Perry household but discovery that 1.3 billion a year are eaten in the UK alone might point one towards temporary abstinence.
The other member, Lilian, has been a bird lover for many years and is a member of the RSPB in England. (Royal Society for Protection of Birds.) Her subscription provides an interesting, colourful, very well illustrated magazine at intervals. If we have any fellow bird watchers midst our ranks she would be more than happy to pass her copies on when read.
Older members will remember the Roy Davies glory days. Not just on the green sward but at his keyboard. Passing on to those on his ever lengthening list a daily dosage of ancient jokes and pre-Utube videos. It dawned on this regular recipient recently that the supply had dried up. No more opportunities for friendly leg pulling or reference to The Roy Davies Anthology of Historic Humour. Pity really, but maybe understandable in this world of Twitter, Facebook and the like. Then, of course, there is Erling! Half the world must be on his Bcc list? Mind you he does come up with some stunning pictures at times, although the enjoyment factor tends to lessen when they arrive for the third time. Keep up the good work fellow Methusalah.
The annual CUDECA day is a long way off but the tombola organisers, Derek and June Steele, who always produce a fantastic result, are open to contributions any time to suit members! So, start looking through your drawers, checking the cupboard shelves, and be positive!
A reminder for all except John Crombie, who will have had it in his diary for ages, that there is a solar eclipse of the sun on the 26th. A halo of light will be visible but you will need to check with John about the timing. Suggestions that he is besotted with matters relating to outer space are far from Trumpian.
To end this section on a sad note comes last minute news of the death of Karl Stahl, at the age of 74. Unfortunately it is too late to include an obituary but this will be corrected next month. Karl was an engaging and gentlemanly person. On behalf of all members we send condolences to his family.
Just up the road at La Floresta Sur, near El Soto GC, now live Rob and Tiny Garner. They moved in at the end of August last year, and became members of our club on February 1st 2017. They are both very keen golfers and, as mentioned earlier, Rob has quickly made his mark. They are familiar with the courses, having holidayed in the hotel, but Alison Kirk played a convincing role in persuading them that the enjoyment factor here extends beyong the tees and greens.
The photograph which appears below was an opportunistic one, taken immediately after their first ever competition, before they knew who the man with the camera was, and before Rob had time to comb his hair.
Originally from Liverpool, where they both admit to being Kop and Klopp supporters, they married in Las Vegas, worked in the UK and Europe before moving to Dubai in 2003. After that came "a couple of freezing winters" in the UK before the lure of skin colour and body warmth drew them here to the Costa. Remarkably they have two children, Claire and Louise, with three grandchildren. Conor 16, Joss 10, Charlie just 1. Remarkably because they don't look old enough! Another Mike and Pearl Fisher dynasty in the making? Names are suprising too. No Stephen or Jamie!!
Campo Asia after rain is less than inviting and no way were Blue Flags ever going to be allowed. Understandably so. Another inactive day for your editor who was not too disappointed this time, knowing what the conditions would be like. Whether the results will be to hand before we press the Red Button is not yet known!
1st. 32 Carol Rees
2nd. 31 Tina Garner
3rd. 30 Linda Jackson
1st. 33 Roger Dew (on handicap)
2nd. 33 Iain Macaulay
3rd. 32 Geoff Thompson


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It gives me great pleasure to present Kathleen with this important honor. I applaud her for using her expertise to build a successful business enterprise.
Garden City, NY (PRWEB) February 16, 2016
The National Association of Professional Women (NAPW) honors Kathleen N. Sweeney as a 2015-2016 inductee into its VIP Woman of the Year Circle. She is recognized with this prestigious distinction for leadership in jewelry design. NAPW is the nation's leading networking organization exclusively for professional women, boasting more than more than 850,000 members and over 200 operating Local Chapters.
"It gives me great pleasure to present Kathleen with this important honor," said NAPW President Star Jones. "I applaud her for using her expertise to build a successful business enterprise."
Kathleen Sweeney wears many hats. As a full-time graduate student at Saint Joseph's University, pursuing a Master of Science in Criminal Justice and Applied Behavior Analysis, she uses the remainder of her time to grow her business. Her shop, With Good Intention, specializes in inspirational and yoga-inspired jewelry that is designed to carry with it both
intention and meaning.
"I previously worked in the behavioral health field for three years, then decided to pursue my business," Ms. Sweeney said. "I never imagined that I would own my own business, but it is extremely rewarding. Custom design allows me to take a piece of your story and combine my artistic interpretation to create one-of-a-kind pieces that are filled with meaning."
Ms. Sweeney's jewelry designs are sold in three retail shops in Pennsylvania as well as one shop in Kentucky. With Good Intention, LLC, also hosts its own Etsy.com shop, where potential customers can have access to all of Ms. Sweeney's designs. "The inspiration for my work comes from my family, faith and continuously growing appreciation for yoga," she said. "I love working with a variety of natural gemstones and vibrantly colored silk thread to create unique pieces."
Several of Ms. Sweeney's products are designed with charitable ideals in mind, including a bracelet titled "Building Hope for Haiti Mala Bracelet." Half of the proceeds from the sales of the bracelet will go toward the building of a new school in Haiti. "My vision is philanthropic in nature as I hope to be able to give back to charitable organizations here and across the globe," Ms. Sweeney said.
Awards and Accomplishments: Bachelor of Arts, Temple University, Psychology; Master's Degree candidate, Saint Joseph's University, Master of Criminal Justice / Applied Behavior Analysis
About NAPW
NAPW's mission is to provide an exclusive, highly advanced networking forum to successful women executives, professionals and entrepreneurs where they can aspire, connect and achieve. Through innovative resources, unique tools and progressive benefits, professional women interact, exchange ideas, advance their knowledge and empower each other.


text: The Boston Massacre occurred in Boston, Massachusetts. This event is a part of American History. Five Colonists were killed by British Regulars. The event occurred on March 5, 1770. Student groups will see documents at the site. The Freedom Trail Foundation offers tours that include the Boston Massacre site. Featured tours include: the Walk into History Tour, the Historic Holiday Stroll, and the African American Patriots Tour. During the Walk into History Tour, the students will be guided by a professional who is dressed in 18th century clothing. Students will walk on the famous red line and visit several interesting sites. During the African American Patriots Tour, the student group will hear tales of bravery, poetry, and defiance. They are related to one of the victims of the Boston Massacre who was African American. His name was Crispus Attucks. Other African-American revolutionaries portrayed on the tour include: Phillis Wheatley, Prince Hall, and Peter Salem. Come with your students and view the Massacre site!


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Train service between Turkey and Iran will start on 18th of June.
Trains of Turkey
Despite the fact that Turkey has not many passenger train services with neighbour countries and even those few ones are not well known, a lot of rail fans especially from Europe travel by Turkish trains every year.
Do you know why?
Because traveling by train in Turkey is an adventure, offering many options including high speed trains, overnight trains with comfortable sleepers, long-distance trains through amazing landscapes, old diesel trains sound of which you will never forget and mixed trains where you'll sometimes stop in the middle of nowhere and listen to the sound of silence.
Similar to Turkey, a mixture of modern and traditional, train travel in Turkey offers you many contemporary practices in addition to experiences that you wouldn't see in any other country.
And not to mention, trains of Turkey is passing by many wonders such as Ephesus, Cappadocia, Pamukkale, Nemrut, Pergamon, Ani, Aghdamar and many others.
Rail Turkey proudly presents the only Train Travel Guide of Turkey which includes up-to-date details and timetables of all trains in Turkey, details of many train stations, information, terms and conditions about train travel in Turkey and directions by rail to wonders of Turkey.
Enjoy your train travel in Turkey.


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There's got to be something in the water.
Specifically, in Edmonton, Alberta, and Newark, New Jersey.
More specifically, the drinking water in the NHL arenas at those locations.
Why would I say such a thing?
Let's first take a look at the more well-known case of the Edmonton Oilers. Almost 10 years ago, the Edmonton Oilers surprised many by making it all the way to the Stanley Cup Finals against the Carolina Hurricanes. Though they ended up losing, it was a miraculous run from a team that entered the post-season in 8th place in the Western Conference. It wasn't that surprising that they made the playoffs; with some good young players who were developing perfectly, a very good captain in Ryan Smyth, a future Hall of Fame defenseman in Chris Pronger, as well as a rag tag group of slightly above average goalies, they were a decent team that could steal the odd game. It seemed as though they were taking over as the next great team from Canada, as the Calgary Flames had impressed in years before, but fallen significantly by 2006. The Oilers were ready to compete again after several years of mediocrity.
Except that was the last time the Oilers made the playoffs.
Everything started falling apart almost immediately after losing to the Hurricanes, starting with Hall of Fame defenseman Pronger demanding to be traded, saying that it was too much pressure to be in Edmonton. Next, Smyth was traded to the shock of many fans and seemingly for Smyth as well. The combined income of those trades were 2 first round picks, a second round pick, and 4 former first round picks. For being put in a difficult situation, it could have be argued that the Oilers came out alright. I definitely thought so back when it happened.
However, I now know how everything turned out.
After Pronger left, everyone seemed to want out. Gone were all the veterans that had been signed for their playoff run. Only one stayed, that being 40 year old goalie Dwayne Roloson. He was the playoff darling, turning the 8th place Oilers into the beast they became. Even being close to death (by NHL standards), he was thought to be the next starter in Edmonton.
He wasn't.
They ended up finishing in the lowest position in 10 years of team history, but landed them a high pick of their own to add to the two from the trades. Of those picks from the trades, not one player made any significant impact on the roster. That's rough luck, but explainable, since the draft is often more luck than anything. It's incredibly lucky, then, to have 3 first round picks in one year and all of them turn into busts.
Of the players acquired in the trades, only one stuck it out for any amount of time, and he wasn't really that good. Two turned into good players…after they were traded again to other teams. The return for those players were more picks and players that turned into busts and good players elsewhere. So if you're keeping score, that's 8 high-end prospects that fizzled out while in Edmonton. Some went on to figure things out later, while others shriveled up and died.
That's an incredibly unlucky year for the Oilers. And it seems as though they never fully recovered.
2008 – Oilers do slightly better than the year before, still miss the playoffs. They land a Western sniper and Canadian World Junior hero by the name of Jordan Eberle in the 21st pick. So far, it seems to be working out. They also steal (almost literally) a young player from Anaheim, which gains their GM much criticism. It turns out, he wasn't worth all the trouble.
2009 – Another bad finish, leaving them to pick 10th overall. They pick Magnus Paarjarvi-Svensson, who couldn't crack 20 points or 50 games. They also try to acquire budding star Dany Heatley from Ottawa, but he refuses to go to Edmonton, even though he grew up in Alberta. Ouch.
2010 – The Oilers finish with their worst record in their franchise history, giving them first overall. They pick Taylor Hall over Tyler Seguin, who some thought they might take instead. Both have turned into very talented players, though Seguin has put up more points and has a Stanley Cup ring. That may have to do with his teammates, however. The Oilers officially enter into their rebuild, sending away anyone who could get them anything, including buying out one of the contracts they originally acquired in the Smyth trade in 2007. And he was originally taken 15th overall. More ouch.
2011 – Again, the Oilers finish dead last. They go for a skinny center from Red Deer named Ryan Nugent-Hopkins over Swede Gabriel Landeskog and future Calder (best rookie) winner Jonathan Huberdeau. Though he's performed below expectations, he's still the most second prolific scorer of that draft year (behind Landeskog), so I guess that's ok. They also sign a bunch of gritty veterans, offensive defensemen and former 3rd overall pick. One of those players work out, and only for one season. And it wasn't the high pick. We are now adding insult to injury.
2012 – Surprise, the Oilers are still the worst. They take another center with Russian Nail Yakupov instead of American defenseman Ryan Murray. Many think this is a dumb move, because the Oilers need defense. Many would still agree, as Yakupov has performed well below expectations. They then signed another former first round pick, defenseman Justin Shultz, who initially showed incredible offensive skills. However, he had few (if any) defensive skills, and he has regressed. The open would is now festering. Does somebody have any salt?
2013 – Hey, the Oilers aren't the worst anymore! They make a big jump up to 7th worst and finally take a defenseman with Darnell Nurse. A labour lockout scrapped the first half of the season, but Taylor Hall looked like a legit star in the second. It's been painful, but the salt is helping. The future seems…bright.
2014 – After 41 games, or half the season, the Oilers are mathematically eliminated from the playoffs. They take German Leon Draisaitl at 3rd overall in one of the few occasions the Oilers would not win the draft lottery. New coach Dallas Eakins (the 4th new coach since 2009) is fired half way through the season. We told Edmonton not to pick at the scab, but did it listen? We've got a full-blown infection again. Hope is all but dead.
2015 – The Oilers once again win the lottery – their 4th time in 6 years – and take prodigy Connor McDavid first overall. He's spent 37 of the 53 games on the injured reserve so far this year. The Hockey News publishes an article that claims the Oilers could make the playoffs this year, but Oilers fan have cauterized their open sores and have forgotten what winning feels like. Even with McDavid, they are afraid to feel, for fear of breaking their sores open again.
It's like watching Will Smith in the Pursuit of Happiness. You want to hope for the guy, you really do, but you know that no matter what, he's not going to be happy. Pity turns to annoyance as he continually is kicked while he's down.
"Ugh, another high pick is a bust? Didn't see that coming."
(I think. I've never seen the movie. I have the Oilers to watch, and that's enough pain for me)
To compare to other teams who have been the worst before, it took 3 of 4 years for Chicago, Pittsburgh, Los Angeles and Tampa Bay to start becoming regular threats to take the Stanley Cup, and have all won it at least once, with Chicago winning it three times and Los Angeles winning it twice. Tampa is the exception, as they do have one cup, but it came just before they started their most recent bout of sucking, and they made it to the finals last year.
There's got to be another reason other than the worst luck aside from the Maple Leafs.
Well, Edmonton is the farthest North of all NHL cities. With the air being much colder the further north you go, the drinking water would undoubtedly be affected. My best theory suggests that there are microscopic icicles suspended in the water. When drunk, they immediately go to the brain and restrict information channels, especially those that make good decisions possible. This explains poor play by players who then go on to play well other places, or the choices of management on draft day and through trades (if I got into all of that, this article would never end). When players leave for warmer climates, the ice melts, freeing up the decision making parts of the brain. However, if left too long, the brain will go into a perma-frozen state, unable to ever be revived.
The Oilers dynasty may have appeared to bypass these harmful effects, until you look at their post playing careers of many of them. Craig MacTavish, Keith Acton, Dave Semenko, Glen Sather, Kevin Lowe, Steve Tambellini and even Wayne Gretzky have had their management careers all but terminated because of terrible trades, bad or questionable picks, and continually icing a team that keeps losing. Only Gretzky didn't work for the Oilers, though. He screwed up the Phoenix Coyotes for a few years, then they recovered. This year, for the first time since 1980, the Oilers have a GM who didn't play for the Oilers. That should be a good sign for things to turn around.
I mean, on top of the 4 first overall picks they already have that have worked out so well so far.


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New Home Renovation Tax Credit Introduced
Effective January 29, 2009, any Canadian who spends money on home renovations will be eligible to receive up to $1,350 in tax relief thanks to the new Home Renovation Tax Credit proposed in Harper Government's Economic Action Plan. "Every time Canadians invest in home renovations, they are helping to create construction and building-supplies jobs in their own communities,†said the Prime Minister. "By providing an incentive for Canadians to invest in their homes, we are also encouraging them to invest in local jobs.â€To highlight the kind of projects that will be eligible under this plan, the Prime Minister visited an Ottawa-area home renovation site and met with a local contractor who will be better able to protect and
create jobs thanks to the additional home renovation projects that will be encouraged through this tax credit. The Home renovation Tax Credit will provide a one-year, temporary 15% income tax credit on eligible home renovation expenditures for work performed, or goods acquired between January 27, 2009 and February 1, 2010. The credit may be claimed on eligible expenditures exceeding $1,000 but no more than $10,000. The Home Renovation Tax Credit is one of several initiatives to help homeowners and homebuyers that is contained within the Harper Government's Economic Action Plan. Before homeowners, homebuyers, and local construction and building supply workers can benefit from these new initiatives, Parliament must pass the 2009-2010 Federal Budget.
(Source: Office of the Prime Minister – pm.gc.ca)


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Posts: 2942
For our regular readers, it is no more a secret that we are mesmerized by the actor who plays Shiva in Life Ok's Devon ke Dev Mahadev. They must be well aware of the fact that along with Sati, who fell in love with this tall dark stranger in January when he appeared in the midst of a wild storm propagated by Vritrasur to rescue the damsel in distress, we lost our hearts as well.
And when he stood there shielding a dream- weaving Sati from the wrath of the malicious demon, and did away with him with nothing more than one powerful thrust of his divine Trishul, we were left gaping with awe at the authenticity of the power, charisma and attraction that can only and only be attributed to or expected from the real sakshat Devon ke Dev. Yet, we reminded ourselves with breathless stupor, that it was only an actor playing Mahadev, and not Mahadev himself.
So what gives Mohit Raina such a captivating screen presence? What makes him so different that we, women who applauded themselves on being free from hero worshipping and who laughed on teenagers obsessing over actors, fell for his magic, hook, line and sinker? Why has TV suddenly turned so important in our worlds? Why has Mohit Raina made way into the hearts of young and old, men and women alike?
Could it be all about his recent role as the universally appealing mysterious God Shiva? Apparently, Mahadev's contribution cannot be denied in turning this man into an over -night heart throb. (And I don't simply mean the personal guidance that Shiva seems to be giving him in playing him to the nearest authenticity possible). It is an unequivocal fact that DKDM is an extremely lucky break for Mohit because it gives him a very huge audience bracket. (8 to 80 year olds)
But playing Mahadev exactly like Mahadev is where the actor's personal talent lies. Before DKDM,we had seen quite a few on screen Shivas and had long settled for mediocrity , convincing ourselves that it is unreasonable to expect a mere mortal to play God with a believable aura . But Devon ke Dev Mahadev's new avatar, in the form of Mohit Raina, forced us to revise our thinking process.
Why has he been able to play such a difficult role to such a staggering perfection?
The answer lies in his awesome mastery of expressions. Rarely comes an actor who can act with every muscle on his face. Rarely do we see an actor who speaks with his eyes and leaves nothing else to be said. Who better than Mohit Raina to play Mahadev? A God who is expression himself of almost everything conceivable. When Shiva is angry, his eyes turn into slits of volcanic fire and every muscle on his face twitches with wrath. When Shiva feels love, the same face turns tender and the same eyes turn into oceans of compassionate love. When dealing with devotion, his features acquire serenity devoid of ego and those eyes express nothing but unadulterated love. In the same way, an unaffected smile at Daksha's insolence is starkly different from the compassionate smile that a devotee is bestowed with.
The Jatta track in the series was an awesome opportunity of showcasing the talent, this master of facial expressions, seems to have been born with. The man switched between the two realm- transiting characters with effortless ease. While Jatta smiled insolently and teased Sati with rolling eyes filled with mischief, the anguish of Mahadev took no time in manifesting on the same playful face, the moment her back was turned to him.
So mesmerized some of us were by his stunning impact on screen that we went back and searched his previous acting profiles to find answers for our obsession with him. And that's how we stumbled upon a lesser known series called Ganga ki Dheej. The moment we met "Agantuk", we realized that it is not just Shiva who is has awed us to such an extent; it is actually the man who is playing Him. For the same mastery of expression leaves us as vulnerable to Agantuk as the God that he is currently essaying. Agantuk is both an antagonist as well as a protagonist in the GKD story and the actor does justice to this multi faced character with the same legendary ease that we are now ardent fans of. He is arrogant and spoilt enough to slap his way into a women only "mandir" to satisfy his curiosity regarding a village damsel, yet possesses a vulnerable heart that makes him watch her tenderly while she is sleeping in the wilderness, hours after he rescues her by marrying her to save her from a cruel fate. (For more info catch Ganga ki Dheej on youtube). Agantuk is as addictive as Mahadev and this clearly proves that Mohit Raina possesses a mettle many actors can only aspire for.
It is only a question of time when this extremely talented god looker (that's a deliberate spelling error: pun very much intended) will be discovered by many more and will find even greater lauds and recognition coming his way. He is poised to rule the entertainment industry very soon. In the meanwhile, I hope he is happy ruling our hearts.
Tulika Dubey.
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Any guess who she might be?
It is going to be a film based on the Uri Attacks of 2016.
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Grossmont Center's Zoo Centennial Celebration
Grossmont Center's Zoo Centennial Celebration
Wish the San Diego Zoo a Happy 100th Birthday!
Event Description:
Join Producer Steph from John & Tammy in the Morning on KSON and Grossmont Center as we team up to wish the San Diego Zoo a Happy 100th Birthday!
Come out and sign our giant Happy Birthday Card, bring the kids dressed as their favorite animal. We'll have a Zoo walk through the mall -- plus you can register to win some cool prizes, four packs of tickets to the San Diego Zoo and a special Centennial Celebration prize packs which includes exclusive reserved seating and SWAG bag for the Centennial Celebration event on Saturday, May 14th at Balboa Park.
Plus, there'll be a face painter for the kids, a Zoo costume contest (dress up the kids!) to win the Centennial Celebration prize packs with winners chosen via audience applause, and more!
2016 marks the San Diego Zoo's 100th birthday, and you are invited to a free community celebration beginning at 6 pm on Saturday May 14th, in the heart of Balboa Park! Learn more at SanDiegoZoo100.org. Thank you, San Diego, for a century of love and support for your Zoo!


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Visual Communication:
In what ways does the visual communication/message of the piece meet the needs of the brief?
I think for my both postcards I have showed a specific message like on my first postcard about Gill sans typeface I gave the colours and the structure of the letter "g" type in a outline "g" and a silhouette style in a white colour.
Then I add a black background which gets the people to attract the letter "g" with the background, that gives the message of also using blue and red colour for the characteristics of Gill Sans font from the London underground colours.
For the second postcard about Geoffroy Tory I have come with a simple classic black and white colour to make it historical how the brief specified so for that I used the right image to make it visual and to give the curious image how the letterform was made by Goffrey Tory.
In what ways does the visual communication/message of the piece fail to meet the needs of the brief?
For some reason for my first postcard I did not use a graphical or a drawing outline on the typefaces so I think on that part it fail on not having that on my postcard.
What are the strengths of the visual communication? Why?
For my first postcard gives the attraction to their colours and the layout of each section of the letter "g" and for my second postcard I
What are the weaknesses of the visual communication? Why?
In what ways could the piece be mis-read or mis-understood by the audience? Be specific about who the audience is.
The audience for my postcards therefore people who are into art, design and typography for adults, students, designers, artists, typographer who will be interested on typography so for that I think I tried to give a right detail of typeface to show about Gill Sans and to not confuse the audience observing other specifications.
Reflection of own working practices:
Be very honest with yourself in this section. Please feel free to approach a member of staff for help finding ways to develop skills.
How was my time keeping?
Was a bit stressful because I wanted to understand the Gill Sans typeface by researching to get inform as much as I can and it did took me a while so for then I started to develop my ideas and then I did manage to do my final piece.
How was my analysis of the brief?
A bit confusing to design the first postcard but then I kept experimenting to come out with the right choice.
How was my research?
Was a bit tough and confusing because I had many research and didn't know from where to start
How did I draw conclusions from my research?
From my research I have come with certain ideas and to start analyzing a few examples from research to come up with my own ideas for my final piece.
How did I use research to generate and develop ideas?
By visualizing different kind of examples as posters and postcards to give me the influence to develop my own ideas.
How did I use evaluations to help with my ideas generation and development?
I kept experimenting with my ideas and continued doing annotations.
How did I use experimentation during the project? How can I make this more effective?
Using Illustrator gave me the exploration to make more experimentation to each one of my ideas so for then I have come with the right choose and make it understanding.
In what ways did I show that I had achieved the Learning Outcomes? How can I improve this next time?
Giving the right research and exploring ideas from other people so I can visualize and get my initial idea, to improve for the next time I guess I should of done more illustration development.
What parts of the project did I enjoy most? Why was this the case?
I enjoy the information from my typeface and the design progress because I wanted to show a visual message as the information from the artist who did the Gill sans font.
What parts of the project did I enjoy least? Why was this the case?
When I printed out my first postcard and it did not come right because I used a blue dark colour on the characteristic font and for then I was not pleased but for that I kept on mind that experimenting gives a new try and better idea.
At what times did I work best? Why might this be the case? How can I ensure that I work well at all times?
The times I work best it's in designing and experiment in each category.
What areas inspired me? Why was this the case? How could I follow these up?
From my first postcard and by the Gill sans information the London underground inspired me with their colours and to be able to show a message to my postcard including the typeface.
What areas were challenging or difficult? Why was this the case?
To think about how I was going to do my design on my postcards so I had to go through my quick sketches to choose the right one and to start development them.
How can I go about developing and improving the parts I found difficult?
To choose the right one and be able to show development of my progress.


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How Does It Work?
- Call to reserve the booth.
- We'll set up the booth on the day of the event.
- Don't worry about operating the booth…we'll be there to operate it for you.
- You and your guests can take as many photos as is reasonably possible in the contracted amount of time.
- We will dismantle and drive away with the booth at the end of your event.
- Photostrip Guest Books are available upon request for an additional charge.
- When the event is completed, we'll provide you with a CDs of all photos taken.
Our Booth in Action:
More Questions:
1. I have a lot of wedding expenses already. Why should I rent a photo booth?
Good question. You get a lot of value for your dollar from a photo booth. For the money, you simply cannot add so much fun to your reception. Family members and friends who have not met in years will rush to the booth to commemorate the occasion. Booths capture permanent memories of your guests acting naturally (booth pictures are always more fun and spontaneous than posed pictures for digital cameras).
Also, booths an be instruments for creating fun contests at your wedding such as a "funniest photo" contest or trading games at tables with photos as game pieces. Finally, you are providing your guests with the ultimate party favor–something so fun, so funny and interesting, that many of them will post their photo strips on their refrigerator. Your wedding will stand out in their memories as unique and original.
2. How many photos does the booth produce in an hour?
The booth can handle 30 sessions per hour (2 minutes to get the party in, take the photo, and exit the booth). Each session creates 3 poses. So, in total, the booth can produce about 90 poses per hour.
3. How many hours should I rent the booth for?
Use a rule of about 1.5 hours per 100 guests. There are other factors to consider, such as the other entertainment options at the wedding. If there are other activities such as dance contests, band contests, etc., you can expect the booth to be less busy and rent the booth at about 1 hour per 100 guests. But if the booth is your main entertainment resource, rent the booth for 2 hours per 100 guests. There are minimum rental lengths. Please call or email for details.
4. Where should we place the booth?
As close to the reception as you can. We have found that guests will not walk far to use the photo booth, so be sure to place it near the majority of the people at your reception.


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Heat a 4 to 6-quart heavy-bottomed pot over low heat, and add the salt pork. Once it has rendered a few tablespoons of fat, increase the heat to medium and cook until the salt pork is a crisp golden brown. Remove from pot; set aside. Add the butter, onions, garlic, celery, thyme, and bay leaves. Saute, stirring occasionally with a wooden spoon, until the onions are softened but not browned, about 10 minutes. Add the potatoes and the strained clam broth. The broth should just barely cover the potatoes; if it doesn't, add enough water to cover them. Increase the heat, and bring to a boil. Cover, and cook the potatoes vigorously until they are soft on the outside but still firm in the center, about 10 minutes. If the broth hasn't thickened lightly, smash a few potatoes against the side of the pot, and cook 1 to 2 minutes more to release the starch. Remove pot from the heat, and stir in the diced clams and the cream. Season, to taste. If you are not serving the chowder within the hour, let it cool a bit, then refrigerate; cover the chowder after it has completely chilled. Otherwise, let it sit at room temperature for up to 1 hour, allowing the flavors to meld. When ready to serve, reheat the chowder over low heat; don't let it boil. Ladle into cups or bowls, making sure that the clams, potatoes, and onions are evenly divided. Sprinkle with parsley, chives, and reserved salt-pork cracklings.
Scrub the clams, and rinse clean. Bring 2 cups of water to a boil in an 8-quart stockpot over high heat. Add the clams, and cover tightly. After 5 minutes, uncover, and stir the clams with a wooden spoon. Quickly cover the pot again, and let steam for 5 minutes more, or until most of the clams have opened. Don't wait for them all to open, or they will be overcooked. It should only take a little tug or prying to open the stragglers once they are all removed from the heat. The total cooking time for large cherrystones will be about 10 minutes; quahogs will need as much as 5 more minutes. While the clams are steaming, the broth should become foamy and light. It usually spills over a bit just as the clams are cooked and ready. As soon as you remove the clams from the stove, carefully pour as much of the broth as you can into a tall, narrow container. Let the broth sit for 10 minutes, then carefully pour through a fine-mesh strainer. After sitting, 99 percent of the grit will have collected at the bottom of the container. If you are not using the broth within the hour, chill it as quickly as possible, and cover it after it has completely cooled. Keep refrigerated for up to 3 days or frozen for up to 2 months. Remove the clams from their shells, cover, and refrigerate. After they have cooled a bit, dice them into 1/2-inch pieces. Cover again, and keep refrigerated until ready to use.
(c)2002 Martha Stewart Living Omnimedia, Inc. All Rights Reserved
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NuGames takes gaming back outside!
Remember the days when you played in the sun, with the real kids, moving around and challenging your imagination? Yeah, we miss them as well.
And we believe the state of the gaming industry is obsolete and broken. You spend too much hours indoors sitting on your chair, playing dull games while drinking Mountain Dew and munching cookies.
So we're on a mission to bring you real gaming, with real humans, in the real world. And augment that to experiences you never dreamt of before.
We created TakeOver, you take over the world. The real one!
TakeOver Alpha was launched at Mini SeedCamp Copenhagen in May 2010. We got great feedback and won a popularity vote, kudos!
We're 2 geeks: Mihai - business geek, and Cosmin - tech geek, sitting in Copenhagen and Lisbon.
Let's be friends :) We like TakeOver


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Jordan Curtis doesnt sugarcoat his clients retirement options. Thats why when they confer with the Mountain America Credit Union advisor, he looks over their pensions, liquid savings, long-term budgets and Social Security potential, stress testing the entire portfolio against both growth and inflation. One of the most common errors he sees from clients is assuming their costs wont change as they grow older. Curtis has to illustrate the opposite.
Ill ask them to remember what gasoline cost in the 1980s, he says. They tell me, 50 cents or 70 cents a gallon. Ill remind them today its about $3, and got as high as $4.
That roughly six-fold increase happened over 30 years, he notes, so he encourages clients to look ahead to the next 30 years with similar increases.
Triaging his clients financial matters, then, is crucial for Curtis, particularly as he works mostly with blue-collar workers who have investable assets of $250,000 to $750,000.
Some hail from large corporations in the nearby Salt Lake City area, while others are federal employees. All want assurances they can retire comfortably. But Curtis isnt there to make them feel better, he says, but rather to feel prepared. Im doing them a huge disservice if I tell them theyre ready when theyre not, says the advisor from Mountain America Credit Union, which uses LPL as its third-party marketer.
To analyze their financial plans, he starts by looking at their Social Security options, hoping clients havent filed before theyve walked through his door. If theyre still on the fence, Curtis tries to stop them. Often, though, they are fearful that Social Security is going bankrupt and, consequently, have already filed.
If they have filed, and still dont appear to have enough income even with benefits, hell often suggest a part-time job during their first five years of retirement. They can save from their income and Social Security, he says. A lot of times a bad situation can be fixed, by working three to five years, and dropping their budget $500 to $1,000 a month.
Indeed, budgets are another area that Curtis examines closely. While most advisors would cheer for a client who keeps strict accounting of their expenditures, budgets with very little wiggle room worry him. Investors who can cover basic costs, such as food, health care and energy billsbut little elseare a concern, as those sectors are most affected by inflation. As those costs inevitably rise over time, clients have little ability to move funds from one expense line to another.
Someone with a lot of room can cut things out if they need to, he says. Their budgets are going to get tighter and tighter as time goes on.
Finally, Curtis hits a clients financial plan with a worst-case scenario outcome, starting with 6% growth and 4% inflation, then pushing the portfolio into a 5% growth and 5% inflationary projection to see if retirement plan stands up to pessimistic numbers, he says. If they do? He knows theyre in great shape.
That outcome is where about 30% of his clients end up. Another 30% are in poor shape, with triaging a necessity, and the remaining 40% are dependent, he says, on the financial decisions they make going forward. To Curtis, he sees his job as reading their numbers and then helping them put the pieces together so their retirement works.
Im solving problems for people who didnt know they had problems that needed to be solved, he says.
Lauren Barack is a contributor to Bank Investment Consultant.
Read More:
- The Key to Making Social Security Decisions: Retirement Scan
- When Clients Can Get a New Social Security Number: Retirement Scan
- Military Base Good Perch for Growth for Credit Union Advisor
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Who We Are
Genzyme began its operations in India with the opening of our Gurgaon office in 2008, and is focused on rare genetic diseases, thyroid cancer and multiple sclerosis. We, however, trace our footprints way back to 1999, when patients from India started receiving our transformative enzyme replacement therapies for Gaucher disease as part of our unique charitable access program (17 years of Genzyme in India).
We now have representatives covering all major healthcare institutions in India. They are our primary interface with healthcare professionals and provide information on the innovative products and services that we offer here. Our commitment is to positively impact the lives of people in India, and by combining this patient focus with our transformative products, we strive to provide hope where there was none before.
Last updated: August 1, 2016
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