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Resource Center
Here at RealtyMogul.com, we keep our finger on the pulse of all things real estate, from finance to technology and everything in between. We make a point of sharing interesting articles and think pieces among RealtyMogul.com staff to help our team stay abreast of the market, and ahead of the curve.
So we thought, why not share some of these insights with you, our partners?
Got A Minute? Here's some recommended reading with key points from the content:
While Trump's victory has certainly drawn strong reactions from almost everyone, several high profile industry leaders believe that Trump will be good for commercial real estate. Count Thomas Barrack, founder of Colony Capital, and Steve Schawrzman, Blackstone's CEO, among them.
- Colony Capital Founder Expects Trump Presidency Will Spur 4% GPD Growth in 2 Years (Bisnow) - Barrack believes that Trump could increase GDP growth by 4% in the two years and the increasingly positive sentiment could encourage investors to allocate more capital into equities and out of the bond market. Note that Barrack has significant Trump ties as he is the head of his inauguration committee.
- Blackstone's Schwarzman Sees Business Benefiting Under Trump (Bloomberg) – Though he didn't mention Trump by name, Schwarzman is bullish on the future as he is "excited" about the prospects for economic growth in the US and expects the business community to look "infinitely better" in the next few years. Carlyle Group LP President Glenn Youngkin also added that "this is the first time in a long time that we have a uniformly pro-business policy outlook, and we think that's really positive."
Yellen says Fed might hike interest rates 'relatively soon (MarketWatch)
- Yellen remarked yesterday that a federal funds rate increase could come "relatively soon" as the Fed waits for "incoming data providing some further evidence of continued progress toward the Committee's objectives." Though her commentary was vague, Stuart Hoffman, chief economist for PNC believes that "Yellen's prepared remarks followed by strong economic data for October (including the earlier released data on strong retail sales in October and September supported by strong sales gains just reported by Target, Wal-Mart and Best Buy) all but guarantee a December funds rate hike by the FOMC."
Five Pillars Of Change For CRE Investors (Globe St)
- Marcus & Millichap's (M&M) latest report believes commercial real estate investors are likely to see big changes in five areas. Below is a summary:
- Fiscal policy – "With a united Congress and White House, Republicans will likely coalesce around a combination of tax cuts and increased investment into infrastructure and defense." Specifically, the report mentions that the tax treatment of carried interest is something to monitor going forward as it could cause "developers and some investor syndicates to reconsider their business structures."
- Infrastructure – In increase in investment in infrastructure should be positive for job creation and increased efficiency while "roads, transit, bridges, the electrical grid and numerous other projects would vie for funding, potentially benefiting surrounding commercial properties."
- Monetary Policy – If the above predictions ring true regarding an increase in GDP growth then we are likely looking a more aggressive rate hikes than in past years.
- Regulatory Policy – Trump's anti-regulation stance could lead to the potential repeal of the Dodd-Frank Act and a "rollback of environmental restrictions and increased access to federal land for oil and gas drilling could also emerge."
- Trade Policy - "A cornerstone of the president-elect's campaign focused on the rejection of notable trade agreements such as NAFTA and TPP, based on this, future trade agreements would likely carry a more protectionist tone in an effort to bolster American manufacturing and employment. While these policies could crimp the flow of imports and exports, a potential increase in the US dollar value could partially offset the rising cost of foreign goods."
Apartment Demand, Rental Rates Hold Steady Against Unprecedented Supply in Healthy-But-Slowing Apartment Market (CoStar)
- 3rd quarter multifamily numbers are in and CoStar is reporting that the sector is in good shape despite a surge in new supply in certain markets. "Despite the record levels of new supply we're seeing in downtown areas, apartment fundamentals remain mostly in check across the U.S. on an annual basis," said Michael Cohen, CoStar director of advisory services. Refer to the chart below showing a vacancy rate below the historical average and demand continuing to remain strong:
- "CoStar is forecasting continued strong construction levels with total deliveries of 201,000 units expected in 2016. Although modestly below the total number of units added in 2014 and 2015 levels, construction levels remain well above the 15-year average of about 140,000 units, with another 244,000 units slated for delivery in 2017." However, demand for renting continues to be strong for a variety of factors including delayed household formation, increased burdens of student debt, and a lack of new single family home construction. Cohen believes the homeownership rate will have a significant impact moving forward, "the trajectory of homeownership will have an outsized impact on future renter household formation and certainly bears close monitoring."
- Among individual markets, Sacramento, Seattle, and the Inland Empire rank among the best markets in terms of year-over-year rent growth. See the chart below for The Top 20 Rent Growth Markets.
Hotel Room Growth Continues, But Rates Still Climb (Trepp)
- A large glut of recent and oncoming supply has started to take a toll on the hotel sector as STR is reporting the 3.3% growth in revenue per available room (RevPAR) for the third quarter of 2016 is the slowest since 2009. Occupancy rates remained flat year-over-year at 71.1%.
- While AirBnB is beginning to make an impact in the sector, Lodging Econometrics is expecting 841 hotels and over 95,000 rooms to open this year in the US. We have already seen 594 hotels and over 68,000 rooms come online through September of this year. To make matters worse, the research firm is expecting another 1,000+ hotel openings next year with over 118,000 rooms being added to supply.
- A large chunk of the supply is coming online in New York (31,000 rooms under construction as of September) while Houston (20,000 rooms), Los Angeles (18,000 rooms), and Dallas (16,000 rooms) are other markets with big supply figures.
- Cap rates, which are loosely tied to investor yields, have also increased year-over-year moving from 8.2% last year to 8.5% this year (as of September). This is all occurring as other property types have seen cap rates continue to remain flat or decrease.


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The Affordable Care Act (The ACA) was signed into law March 23, 2010, in an effort to curb the rapidly escalating cost of healthcare. Among other protections patients were assured, you would not be denied coverage because you had a "pre-existing condition" and annual and lifetime "caps on essential benefits" were banned.
The United States is one of the wealthiest nations in the world. Why is it that we don't have universal healthcare? Thirty-two of thirty-three developed nations have universal healthcare. The United States is a lone exception. While the cost of Healthcare must be covered, it should be a public service not a "for profit" enterprise.
Elisabeth Rosenthal, in her treatise "An American Sickness," explores some of the abuses in the way health care is processed.
"Angela Braly of Wellpoint received a total annual compensation of more than $20 million in 2012. Joe Swedish, appointed CEO in 2013, received a starting salary and bonus totaling about $5 million not including stock options." It is morally reprehensible for CEOs of insurance companies to be paid this much money.
Big Pharma spends more money on lobbying than any other industry in the United States. They spend $5 billion a year on advertising. "Ask your doctor if this drug is right for you!" The practice of advertising these drugs is banned in other industrialized nations. The healthcare industry spends $15 billion a year on advertising, about the same as auto manufacturers. These are not public service ads: their purpose is to get you to spend money.
As patients, we are profoundly grateful for the wonders of modern medicine and the dedication and concern of health professionals, but we need to make an effort to be better informed and prepared to become advocates in our personal care.
When I was growing up, our family doctor was a chiropractor and naturopath. I had my first aspirin when I was 24 and living on my own. My mother cautioned that medical doctors tended to treat symptoms instead of pursuing causes such as taking an aspirin for a headache instead of looking for what was causing the pain or taking a muscle relaxant when back pain could be relieved by an adjustment. Depressed? Take a pill.
In the world of medicine there is a tendency to over test and over medicate. Recently a general alarm has been sounding throughout our country. We have an opioid epidemic. For many it is caused by prescribed drugs being abused.
"Gunshot wounds cost Americans $700 million a year." This message was posted on the internet by CNN.) More can be done to keep guns out of the hands of people who are mentally unstable and away from children. The NRA is not interested in our safety. Their main interest is in selling guns.
For some time we have been confronted with a major farce by Congress. For the past seven years they have railed against the ACA, vowing to repeal it. It doesn't seem to occur to them that their lack of success is because it's a bad idea! Everyone understands that the present healthcare plan needs to be improved. Republicans are not interested in providing health care. They are interested in taking it away.
Last but not least – The cost of healthcare is affected by choices we make in our daily lives. By indulging in bad habits, smoking, excessive drinking, fast foods, overeating, we invite obesity, type 2 diabetes, heart attacks, strokes and lung cancer.
Our work is cut out for us if we want to protect Medicare and Medicaid and extend coverage to all Americans.

subset: commoncrawl


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Why crop rotation works. New research could help explain the dramatic effect on soil health and yield of crop rotation.
Crop rotation has been used since Roman times to improve plant nutrition and to control the spread of disease. A new study to be published in Nature's 'The ISME Journal' reveals the profound effect it has on enriching soil with bacteria, fungi and protozoa.
"Changing the crop species massively changes the content of microbes in the soil, which in turn helps the plant to acquire nutrients, regulate growth and protect itself against pests and diseases, boosting yield," said Professor Philip Poole from the John Innes Centre.
Soil was collected from a field near Norwich and planted with wheat, oats and peas. After growing wheat, it remained largely unchanged and the microbes in it were mostly bacteria. However, growing oat and pea in the same sample caused a huge shift towards protozoa and nematode worms. Soil grown with peas was highly enriched for fungi.
"The soil around the roots was similar before and after growing wheat, but peas and oats re-set of the diversity of microbes," said Professor Poole.
All organisms on our planet can be divided between prokaryotes (which include bacteria) and eukaryotes (which include humans, plants and animals as well as fungi). After only four weeks of growth, the soil surrounding wheat contained about 3% eukaryotes. This went up to 12-15% for oat and pea. The change of balance is likely to be even more marked in the field where crops are grown for months rather than weeks.
Analysis has previously relied on amplifying DNA samples. This limits scientists to analysing one taxonomic group at a time such as bacteria. It also means that everything present in that group is analysed rather than what is playing an active role. Every gram of soil contains over 50,000 species of bacteria so the task is enormous.
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Welcome to the Livingston County Community Alliance Website!
Who We Are: We are a county-wide, anti-drug coalition that aims to unite the Livingston County community to reduce and prevent youth substance use and to live a safe and drug free lifestyle. Our purpose is to connect the Livingston County community to establish and promote healthy community norms concerning the use of alcohol, drugs, and tobacco.
Everyone Has an Opinion. We Want Yours!
We're conducting our annual coalition assessment. Basically, we are figuring out what the LCCA is doing well and what we can improve on. Click here to take it!
Parents as Partners in Prevention (P3) videos have been uploaded! Want more information on parenting skills, drug trends in the county, and current programs that are making a difference? Check out our YouTube channel!
Get Involved!
Interested in volunteering with the LCCA? We have a spot for you! Whether it is volunteering to take photos or serve on a subcommittee, we would love to have you! Click here to see a full list.
The Big Red Barrel
Safely dispose of your unused or outdated medications. Look for the Big Red Barrel! Interested in implementing the Big Red Barrel Project in your community? Click here for the Big Red Barrel Tool-Kit. Contact Megan at firstname.lastname@example.com for more information on getting one started in your area!
Partners in Prevention Campaigns
Partners in Prevention electronic campaigns are sent to help spread prevention techniques, raise awareness and more. If you haven't already signed up to be a part of their electronic mailings, please do so by signing up below!


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National Forest Estate
Since 2010 Forestry Commission Scotland have made Community Benefit and a Shared Ownership offer mandatory on most renewable energy sites on the National Forest Estate.
Local Energy Scotland can support your community organisation to engage with the relevant developer locally and help you to access funding for professional advice.
To find out more about the renewable energy being developed on National Forest Estate see the Forestry Commission Scotland website where a full list of projects is available.
Forestry Commission Scotland also have guidance, case studies and lessons learned on this page.
Support is also available to community organisations interested in developing a project on the National Forest Estate will be available through CARES and groups looking for information on support should contact their Local Energy Scotland Development Officer.


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Phentermine slimming pill review
Phentermine is not a diet pill brand; it's actually name of the substance that is included in several Phentermine-based slimming pills on the market (for example Adipex, Phenterex, Ionamine etc).
There's a lot of interest in Phentermine among the weight loss crowd, that's why today we want to tell you little bit more about it.
How Phentermine works?
Phentermine is not a substance to be taken lightly. It's a very powerful chemical ingredient that can artificially make your brain release norepinephrine, neurotransmitter responsible for activating "fight or flight" mechanism, which results in decreased hunger levels.
Is Phentermine for everybody?
No it is not. Phentermine should be used by those patients who are highly obese and can't lose weight in any other way. Also, Phentermine should be used for maximum of 12 weeks and no more.
Are there any side effects with Phentermine?
Yes, there are many Phentermine side effects. For example: insomnia, hypertension, anxiety, dry mouth, blurred vision, change in libido, confusion, irregular heartbeat, nausea, throwing up, skin rash, fatigue etc.
Phentermine dangers
In 1997, twenty four people who have used Phentermine-based drug Fen-Phen developed serious heart problems. Because of that, Phentermine was put under Schedule IV list of controlled substances in USA.
Do we recommend Phentermine?
Even if you qualify for any Phentermine-based slimming pill, we don't recommend it to you. The list of possible side effects can give you a clue why we don't recommend Phentermine. There's also the fact that this substance is on a list of controlled substances and it really becomes a no-brainer.
What is the best Phentermine alternative?
While Phentermine might be effective, it has terrible side effects. Why would you want to risk your health with drugs like Phentermine? We have worked hard to review many slimming pills (prescription and non-prescription) and we found Phen375 to be great alternative to Phentermine.
Phen375 is fully synthetic fat burner that anyone can get without prescription. Not just that but Phen375 does not have any side effects, while at the same time being very effective at burning fat. It's certainly one of our top recommended slimming pills.
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"Beauty is finding the right fit, the natural fit. To be perfect, you have to feel perfect about yourself. Avoid trying to be someone you're not."
? Rick Riordan
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A Russian special forces officer has been killed near the ancient city of Palmyra that was seized by the Islamic State (ISIS/ISIL) last year, various news outlets have reported, citing Russian agencies.
The news of the Russian military fatality came on Thursday, the same day that Bashar al-Assad regime forces were reported to have entered Palmyra in an effort to retake the city, which was conquered by ISIS in May 2015.
According to the Associated Press (AP), "The extremist group has been losing ground in Syria and Iraq for months under a stepped-up campaign of U.S.-led and Russian airstrikes, as well as ground assaults by multiple forces in each country."
The Syrian troop offensive to seize back Palmyra is reportedly backed by Shiite militiamen, many of whom are backed by Iran.
Tehran, its terror proxy Hezbollah, Assad, and Russia have formed an alliance to combat Syrian opposition forces. The opposition troops, deemed terrorists by the coalition, include U.S.-backed groups.
Agence France-Presse (AFP) reports that an unnamed military representative of Russia's base in Syria was quoted by Russian news outlets as saying, "An officer of Russian special operations forces was killed near Palmyra while carrying out a special task to direct Russian airstrikes at Islamic State group targets."
The anonymous Russian representative did not provide a specific date for when the incident occurred, notes AFP.
"The officer was carrying out a combat task in area for a week, identifying crucial IS targets and passing exact coordinates for strikes with Russian planes," he said, using an acronym for the Islamic State (IS).
"The officer died as a hero, he drew fire onto himself after being located and surrounded by terrorists," added the representative.
Moscow has kept secret the presence of any Russian military troops in Syria since it began an intervention on behalf of Assad at the end of September 2015.
"Last week IS-linked media said that five Russian special forces were killed near Palmyra, publishing pictures from their cellphones and a video showing a bloodied corpse," reports AFP.
Nevertheless, Dmitry Peskov, a Kremlin spokesman, was quoted at the time as saying that no Russian officers were participating in the advance on Palmyra, adding that "the advance is carried out by contingents of the Syrian army."
The U.K.-based Syrian Observatory for Human Rights, which monitors the Syrian conflict through a network of sources on the ground, reported that the Assad regime troops, backed by Shiite militiamen, were facing tough resistance on the ground from ISIS as they attempted to enter Palmyra, also known as Tadmur.
According to the Observatory, ISIS has lost more than 200 of its fighters since the Syrian government offensive to retake Palmyra began 17 days ago. It did not provide figures for Syrian government casualties.
Russian defense ministry officials reportedly revealed that Moscow has conducted at least 146 airstrikes on "terrorist targets" in the vicinity of Palmyra area since last Wednesday.
The recent fatality would bring to seven the number of Russian troops known to have been killed in Syria, since the Kremlin began its military campaign last year, notes Reuters.
Ten days ago, Russia claimed it was winding down its military intervention in Syria.
"On Wednesday, Russia said for the first time that it has special forces in combat roles in Syria, suggesting the Kremlin has been more deeply engaged in the Syrian conflict than it has previously acknowledged," reports Reuters.
"For months, Moscow said that its role in Syria was limited to carrying out air strikes, advising and training the Syrian army, as well as performing search and rescue operations for downed aircraft as well as protecting Russian bases," it adds.


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New Delhi: Athletes and officials at
Commonwealth Games village seemed to have enjoyed steamy
sessions as an average of nearly 640 condoms were used
everyday during the 11-day-long sporting extravaganza,
statistics from the Delhi Government suggest.
The Delhi State Aids Control Society has said that it
has installed a condom vending machine at the Polyclinics of
the Games village by Hindustan Latex Family Promotion Trust
(HLFPT) and National AIDS Control Organisation (NACO) during
the games to encourage safe-sex among athletes.
In reply to an RTI application, the Health Directorate
of Delhi Government has said 7680 condoms were dispensed with
a daily average of 640 condoms.
Besides the Games village, where nearly 6000 athletes
and officials from 77 nations were staying, authorities had
decided to install machines at major hotels, stadium, markets
among others here to encourage safe sex during the games.
The campaign to promote safe sex started from August
15-December 1, 2010 during which over 3300 condom vending
machines were to be installed across the national capital.
Just before the games, over 1200 machines were
vandalised or stolen, the reply to activist S C Agrawal said.
Two officials in each district were entrusted to visit
each machine every week to refill them and report the status
to the authorities.


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We've all experienced cramping in various parts of our bodies before. The onset is sudden and the pain can range from mild to severe, but they are usually temporary and do not cause any damages. While this type of cramping may be common, most individuals do not experience it all that often. If you are experiencing leg cramps during the night, however, you may be dealing with a different type of condition.
Nocturnal leg cramps are a painful sensation that occur in the lower extremities and during the night. They are often triggered in your sleep, but the pain can be so severe sometimes that you are jolted out of slumber from it. Like regular muscle cramps, they can last from several seconds to a few minutes. While they usually occur in your sleep, they can also be triggered while you're awake at night, usually after a period of inactivity. Nocturnal leg cramps are most often present in the calf muscles, but they have been known to occur in the thighs or feet as well.
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Briggs is an indigenous kid from regional Australia who dropped his self-released debut ep, BomBs in 2009 and went on to become one of the most powerful and unique voices on the national scene. He'll be showcasing track from his brand new album 'SHEPLIFE' at the Cambridge Hotel on Thursday October 23rd.
The new album for Briggs is 'the culmination of generations of observations, experiences and stories'.
"If The Blacklist was the punch in the face, ShepLife is why I punched you in the face." Briggs said.
Briggs has toured tirelessly around the country with Hilltop Hoods and supporting international Ice Cube, Yelawolf, DOOM, Ghostface Killah and Pharoahe Monch.
This dedication has seen Briggs embraced by some of the wiser and more experienced heads and allowed his to develop a live show that has had fans raving all over social media.
Briggs plays the Cambridge Hotel on Thursday October 23rd. Tickets are now on sale via the venue.


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Oldbury on Severn has over 77 kms of Public Rights of Way comprising footpaths, green lanes, hauling ways, bridleways etc within the Parish boundaries.
Geographically Oldbury Parish is one of the largest in South Gloucestershire and the path network extends beyond Oldbury village to include the hamlets of Cowhill, Shepperdine & Kington.
Responsibility for Public Rights of Way is shared between :-
The local authority who must record their legal existence and location on the definitive map, and ensure that they are open for public use and :-
The landowners and occupiers who must ensure they are not blocked, by crops or other vegetation or, otherwise obstructed and the route is identifiable and the surface restored soon after cultivation.
Some of the paths within the Parish had fallen in to a poor state of repair so in 2005 the Parish Council in consultation with South Gloucestershire Council appointed a Volunteer Parish Path Warden.
The warden's primary role was to act as a contact point between the SGC, the Parish council and users to facilitate the speedy resolution of complaints.
A priority list was drawn up based initially on items that were potentially dangerous to users or where rightful access was being prevented.
Regular meeting are now held between the Warden and SGC to review the actions taken and update the priorities based on input from Parishioners and observation by the Warden.
As a result many stiles have been repaired or replaced in recent years. Where possible stiles are now replaced with kissing gates to enable easier access.
The current warden is Allan Taylor who would welcome any input from users or landowners where they come across a Public Rights of Way problem. A clear description of the location of the path and the nature of the problem would be appreciated. A grid reference would be also be a great help but is not essential.
Contact by telephone 07854 131703 or by e-mail at email@example.com


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Ingrown hair, just as the term suggests, is hair that grows into the skin instead of out which can lead to infection and scarring from scratching and picking. They usually result from hair removal methods such as shaving, waxing or tweezing. Ingrown hairs often produce itchy and painful, sometime pus-filled, red bumps that are similar to pimples.
Besides being unsightly and uncomfortable, ingrown hair can also lead to infection and scarring from scratching and picking. If you notice any signs of infection, contact your doctor.
The following sections offer detailed information for some common questions and different elements of ingrown hair.
The obvious solution may be to not remove hair, but that is not usually acceptable for many people. Your doctor may prescribe various medications that can help control ingrown hair.
A retinoid (e.g. Retin-A, Renova) cream can be used to promote exfoliation (removal of dead skin cells). It can also treat dark spots and thickened skin due to ingrown hairs.
A topical steroid (cortisone cream) can help to reduce redness and swelling. Cortisone is available over-the-counter in a low strength, or your doctor may prescribe a higher concentration.
Antibiotics may be required to treat an infected ingrown hair. A topical formula can be used on the affected area, or your doctor may prescribe an oral antibiotic for a more severe infection.
*Please note that the mention of a specific brand name does not constitute a recommendation for the product by the Canadian Dermatology Association.
Ingrown hair tends to show up in areas where you remove hair: in males, this usually means the face and neck; in women, ingrown hairs can affect the armpits, legs and bikini area.
Having tightly curled hair increases the chances of ingrown hairs, because the curved hair follicle may encourage hair to grow in the direction of the skin. Generally, Blacks and Hispanics tend to develop ingrown hairs because of their tight curls.
Removal methods can also play a role in promoting ingrown hair. Shaving often cuts hair at an angle, which may lead the hair to curve inward. Pulling skin taut while shaving may also contribute since the ends of the hair retracts under the skin. Waxing pulls out hair by the root, but when it begins to grow back, hair has a hard time finding its way out of the skin.


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Primary schools offering a generalist education lack time and expertise to deliver effective science lessons.
Outside the EU, many toy-manufacturing countries lack adequate regulation and compliance on toy safety.
Produced in Portugal, Science4you is available for children across 30 countries across the globe, including the United States and China.
Read more
Science4you toys are designed by a team at the Faculty of Sciences of the University of Lisbon, the startup's official partner.
Because of its efficient production line, combined with its close proximity to its main markets in Europe, Science4you is able to deliver its products within three weeks.
Science4you's founder, Miguel Pina Martins, owns 30% of the company. Portugal Ventures owns 49% of the Science4you, while the remaining 21% are split among small shareholders such as angel investors and academics who supported Science4you since its inception.
Read in detail:
2007, Science4you founder Miguel Pina Martins, then aged 22, developed a business plan for educational toys as his final-year project at the University Institute of Lisbon (ISCTE).
Miguel Pina Martins pursued a degree in Finance, and had to collaborate with students at Faculty of Sciences of the University of Lisbon (FCUL) as a graduation requirement.
Leveraged FCUL's strong brand in Portugal to market the product.
January 2008, incorporated Science4you.
Launched during the Portuguese economic crisis.
Initial capital: €1,125 from Miguel Pina Martins, €50,000 from Portugal Ventures.
October 2008, first sales in Portugal.
All toys were manufactured in Portugal at Prior Velho.
Sold online or through small kiosks in shopping centres.
October 2009, sold Science4you toys in Spain, first sales outside of Portugal.
September 2010, ventured to Angola market.
November 2010, first sales in Brazil.
June 2011, established a representative office in Spain, released Spanish website.
January 2013, established a representative in the United Kingdom, released UK website.
Late 2007, secured €50,000 from Portugal Ventures.
Read in detail:
August, launched Mobile4you, a smartphone designed for kids.
Sold at €129.99, the smartphone came with a 3.5-inch screen, 2MP camera, 4GB of storage, Wi-Fi connectivity and Science4you's applications such as Educational Mini Games.
Free basic SMS alerts for parents.
Advanced parental control settings available for a premium (€2.99/month): application control to block out specific websites, call filter option, and the ability to define smartphone usage time periods.
On Android 4.2.
September, released NFC-enabled Android game Micro Dinos.
Linked to a product line of dinosaur toys, sold separately.
Each dinosaur toy is embedded with an NFC chip and comes with a unique ID. After registering the ID, children can play with their dinosaurs online and interact with other players.
November, implemented SEQR mobile payment solution at kiosks and Science4you stores.
Lets buyers connect to loyalty programs and receive exclusive offers.
Compatible with Android, iOS and Windows Phone.
August, entered the United States market.
September, opened its first store ever, in Montijo, Portugal.
Located inside Forum Montijo mall.
December, inaugurated its first store in Madrid, Spain.
First street-front store.
Reached €6.5 million in revenue for the year 2014.
€1.1 million came from Spain.
€400,000 came from the United Kingdom.
Read in detail:
May, organized a Holiday Camp program at the Faculty of Sciences of the University of Lisbon (FCUL).
Experiments and games were conducted using Science4you products.
Three price points: €35/day, €175/week and €325/two weeks.
June, released a mobile quiz app: Lascas -Mega Quiz.
2,000 questions across eight categories: Mathematics, Geography, Human Body, Dinosaurs, Mental Calculus, History, Science and Astronomy.
November, launched smart plush toy: Smart Monkey.
Comes with accompanying app for Android 3.0, iOS 7.0 and Windows Phone 8.0.
Connected via Bluetooth.
Children can play games, and listen to music or to traditional stories through the plush.
Priced at €49.99.
February, received Portugal 2015 Product of the Year award in didactic toys category.
December, inauguration of 8,000sqm plant in Lisbon Region's Supply Market (MARL), built to meet growing demand; attended by Portuguese President Aníbal Cavaco Silva..
Investment cost €3 million.
Recorded €11.3 million in revenue for the year, up 70% from 2014. Products sold in more than 27 countries.
September, secured a €7 million investment from the Millennium Capitalization Fund managed by BCP Capital (the venture capital arm of Millennium BCP, Portugal's largest private bank), and Portugal Ventures.
Cash used for international expansion, especially in the United States.
Read in detail:
September, a typo in one of Science4you's product description on Tesco's website prompted a customer to write a public Facebook complaint to the retailer, which was reported in the media.
My First Spa teaches children about different skin treatments and how to create your own remedies.
Tesco website misspelled one of the products in the set as "labial moisturiser".
Read in detail:
January, launched toy subscription service Box4you.
Only in Portugal.
Every new subscription comes with four toys. Subsequently, the customer will receive a new toy every month, and two toys at Christmas.
Each box is personalized according to customer data.
Three plans available: annual plan (€7.99/month), semi-annual plan (€8.99/month) or monthly plan (€9.99/month).
February, partnered the Portuguese Public Security Police (PSP) to create a coloring book to encourage young children to explore research, technology, science and security industries; organized another Holiday Camp program for kids.
March, organized a two-day Science Animator training program for adults and college students.
Priced at €50. College students receive 10% off.
Science4you is the third-largest toymaker in the Iberian Peninsula (i.e., Spain and Portugal).
Recorded €16.5 million sales in 2016; sales have been growing 100% yearly since inception.
New product lines include drones and apps. The startup also holds events and classes.
Products sold in more than 30 countries, including China, its largest market outside the EU in 2016 (with sales of €100,000).
Largest markets outside of Portugal: Spain, the United Kingdom, Poland, France, Belgium, the Netherlands and Luxembourg.
Present in 20,000 points of sale.
Sales revenue target of €25 million for 2017.
Expand manufacturing facilities by at least 20% in 2017.
Further expansion in Asia (Japan and South Korea), venture into Mexico.Launch Box4you in other countries, starting with Spain.


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Since inception, PFSC has provided our clients with exceptional multi-jurisdiction sales, use and personal property tax administration. Our experienced and tenured tax staff use industry-leading sales/use and personal property tax software platforms to administer and complete approximately 35,000 returns each year throughout the U.S. and Canada.
Our sales/use tax group facilitates both paper and on-line filing requirements and routinely manages the EFT or live check payment submission process. Clients receive a monthly status report with regard to their sales/use tax liability and filing status in all jurisdictions where the client maintains a tax liability. PFSC can also manage and process zero liability returns and can process and file "final" returns when a client's tax liability has come to an end. Copies of all returns are imaged and indexed and made available to our clients.
PFSC's personal property tax group manages the initial return/rendition process, receives and audits tax bills back to the original filing, and provides clients with a lease/asset level assessment report.
Having been subject to audit on countless occasions on behalf of our client portfolios, our tax team is consistently exposed to taxing jurisdictions across the country. When engaging our tax group, clients are able to choose the level and scope of services they desire – from basic return preparation services to return submission and payment processing. And, if you need assistance registering in a new jurisdiction, PFSC can manage this process for you.


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Compassionate & Dedicated Henderson Divorce Lawyers
Call Our Firm for the Caring Legal Counsel Your Family Needs. Call (702) 850-8004 Today.
Many people who come to our firm are facing some of the biggest and most sensitive life events. Although divorce can be a time marked by sorrow, it can also be the catalyst for change within your family. With helpful guidance from a team of legal professionals who genuinely care about your future, you can begin to make empowered steps to a brighter future for every member of your family.
At McDonald Law Offices, PLLC, we like to create a different type of client experience. Our Henderson divorce attorneys make it the priority to help you get through the divorce process as seamlessly and quickly as possible, with as little exposure to the family court system as possible. To us, your rights are our priority and your family's future matters.
- During a one-on-one consultation, we can address a number of issues, such as:
- Do I qualify to file for divorce in the state of Nevada?
- Is my divorce uncontested or contested?
- What are the benefits to an uncontested divorce proceeding?
- Can your divorce be resolved by way of mediation or settlement?
- Will litigation be necessary in my divorce proceeding?
- How will a divorce impact my family, property, and lifestyle?
- How long will my divorce take to finalize?
A Small, Boutique Firm Committed to You
We make our firm different than most other practices in a number of ways. Unlike many competitors, we do not focus on quantity. We focus on quality. By limiting our caseload, we can make sure our clients feel as though they have a team of true advocates in their corner. As Henderson divorce attorneys, we devote the necessary time, energy, and resources to resolving your case in the most peaceful manner possible. We recognize that most divorce cases can often be very contentious, but we have found that using the right mediator will take the emotion out of the equation and lead to a good result for both sides.
- As our client, you can expect the following:
- Professional, straightforward, and ethical legal counsel
- Tailored legal counsel that suits your needs and goals
- Results-oriented strategies that focus on long-term results
- Representation from highly rated local attorneys
We are proud to serve the people of Henderson, NV. Call us at (702) 850-8004 today and request a confidential consultation
to speak with our caring team of professionals.
Get a Consultation
Standing By You When Times Are Tough
Most clients who come to us to talk about getting a divorce have a pretty good idea of whether it's going to be a fight, or whether they will be able to agree on everything. Our firm can help with either uncontested or contested divorce proceedings. Because we have extensive experience with all types of divorce cases in the greater Las Vegas area, we are often able to turn a contested divorce into an amicable settlement.
Individual Care & Attention
"We truly care about our clients and we understand the importance of their case to them personally. This may not seem like it would be something that would set us apart from other attorneys, but you'd be amazed how many attorneys just burn through clients without giving them and their case the attention they deserve." – McDonald Law Offices, PLLC
Professional Memberships & Recognition
McDonald Law Offices, PLLC has been recognized both nationally and locally for providing ethical, professional legal representation.
Communication We frequently communicate with you so you know the status of your case. We don't keep you in the dark; rather, we relay any information about case updates or developments in real-time.
Compassion Our clients depend on us to be problem-solvers. We get that you are going through a tough time and take time to advise you on which steps you can take to a better and brighter future.
Collaboration Some of the best ideas we have about how to handle a difficult case comes when we set aside time to collaborate and discuss with trusted colleagues. This is how we get results.


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Predict your UPSEE rank by using UPSEE Rank Predictor and get the list of colleges accepting UPSEE 2017 scores accordingly.
About UPSEE 2017
UPSEE is a state-level entrance exam, which is conducted by Dr A.P.J. Abdul Kalam Technical University, Uttar Pradesh for admissions into professional courses offered by over 800 governments aided and private colleges affiliated to Dr A.P.J. Abdul Kalam Technical University across Uttar Pradesh. Since UPSEE 2017 results will be released on or before May 30, 2017, you can predict your UPSEE 2017 scores by using UPSEE Rank Predictor.
About UPSEE Rank Predictor
UPSEE Rank Predictor 2017 – Since UPSEE 2017 is on the way, every UPSEE aspirant would be bracing up to ace the test. As there are over 800 colleges that are affiliated to Dr A.P.J. Abdul Kalam Technical University, which accepts UPSEE 2017 scores, the number of students appearing for UPSEE 2017 is also very high. Seeing the competition, HTCampus has come up with a tool called UPSEE Rank Predictor that helps the students to predict their rank.
How does UPSEE Rank Predictor Work?
UPSEE Rank Predictor Tool uses your inputs such as the number of questions you have attempted and your accuracy level to calculate your expected UPSEE Rank 2017. Once you received your expected rank, the Rank Predictor Tool shortlist colleges based on your expected rank.
UPSEE Rank Predictor amasses the data of all the colleges accepting UPSEE scores and lists down the colleges on the basis of your expected UPSEE Rank.
Benefits of Using UPSEE Rank Predictor
HTCampus introduced the Rank Predictor Tool for UPSEE aspirants, which helps the students to select the best college based on their predicted UPSEE 2017 Rank.
Major benefits of using UPSEE Rank Predictor
With UPSEE Rank Predictor, you can pre-plan your admission to the eligible colleges based on your expected rank.
Accuracy Level:
UPSEE Rank Predictor 2017 provides a fairly accurate rank close to your actual UPSEE 2017 result.
College Updates:
Since UPSEE Rank Predictor lists down few colleges based on your rank, you can get the updates about the important information and dates regularly.
UPSEE Rank Predictor 2017 not only shortlists colleges which you can apply in but also compare colleges to help you select the best option.
How to use UPSEE Rank Predictor
Steps to use the UPSEE Rank Predictor Tool:
- Login to HTCampus.com and click on "UPSEE Rank Predictor" link
- Enter total number of questions attempted in each section
- Enter number of questions attempted correctly
- Once successfully logged into the HTCampus, you will get the list of colleges and branches you are expected to qualify based on your UPSEE Scores 2017.
UPSEE Important Dates 2017
Application Starts
January 18, 2017, 11.00 AM
Application Ends
February 28, 2017, 5.00 PM
Availability of Admission Card
From April 07, 2017,11.00 AM till the exam date
Date of Exam
April 16,2017, April 22,2017 and April 23,2017
UPSEE Result 2017
On or before May 30, 2017
India Today Ranking of Engineering colleges in Uttar Pradesh
|Colleges / Institutions
India Today
Also on HTCampus.com
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by: Nitin on 05 Mar. 2018
by: Nitin on 05 Mar. 2018


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Certifications: Bachelor of physiotherapy
PG Diploma EXERCISE THERAPY
Email :
Saravana Kumar is an experienced sports physiotherapist with over 5 years of experience. He has completed his Bachelors of Physiotheraphy followed by a post graduate diploma in exercise theraphy.
Prior to joining GAF. Saravana worked with the Bengaluru Football Club (BFC) who were the I-league champions in 2013-14 and 2015-16. He has worked with International footballers and the current Indian football captain Sunil Chettri..


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Things to do in West Chester, Ohio
Perfectly located between Cincinnati and Dayton, Four Points Cincinnati North is a short drive from the area's best shopping, dining, entertainment, and things to do in West Chester Ohio. Explore the Newport Aquarium, Kings Island, or the Museum of Broadcasting, all located close by.
- Paul Brown Stadium - Visit the home venue of the Cincinnati Bengals.
- The Beach Waterpark - Soak up the sun, sand, and surf at Cincinnati's own tropical island waterpark.
- Newport Aquarium - Perfect for a fun and educational family outing, the Newport Aquarium is home to a variety of rare aquatic species.
- Green Crest Golf Club - Hit the links for a round at one of the area's most popular golf courses.
- EnterTRAINment Junction - Marvel at the world's largest indoor train display while you explore this imaginative railroading museum.
- Kings Island - Spend a day in the sun at the largest amusement and waterpark in the Midwest.
- Miami Valley Gaming - Watch a live harness race, or play on over 1,600 gaming machines.
- Great American Ball Park - Cheer on the Reds and take in the views surrounding downtown Cincinnati.
- University of Miami - Hamilton - Just a short drive from our hotel, the University of Miami - Hamilton is one of the Midwest's premier colleges.
- Voice of America Learning Center - Open since 2009, this center is one of three regional campuses of Miami University.
- Museum of Broadcasting - Learn about the history of broadcasting while you explore a variety of educational exhibits.
- Downtown Cincinnati - Shop 'til you drop at one of the area's premium outlets or dine at one of downtown's most popular restaurants during your stay.


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As I prepare for the celebration tomorrow with my family, I feel grateful for this uniquely American holiday.
It doesn't matter your faith, your culture, your citizenship status, your political party, where you live or what you look like - we all have something to be thankful for, and we all can celebrate Thanksgiving. It is truly an Interfaith holiday.
For there is so much to be thankful for. If you are reading this, you are alive. Any animal or plant that still lives today is grateful for another day.
And each day, each moment, holds new possibility. Each day brings rain or sun, snow or wind. It is life flowing to us, the cycle of life on this planet. It bring times of challenge and times of beauty so precious we cry.
If for nothing else, I am thankful to be alive on this sacred and beautiful planet, with its redwood trees, its humpback whales, its tiny chamomile flowers, its life-giving drops of water, and astounding snow-capped mountain peaks.
And there is so much more that I am grateful for, when I open my eyes and see all that I am blessed with.
Including you - though I may not have met you in person, I am thankful that you are here on this planet with me, and we can share this moment of gratitude.
Happy Thanksgiving.
Rev. Connie L. Habash, MA, LMFTLicensed Marriage and Family TherapistYoga & Meditation Teacher Interfaith MinisterMenlo Park, CA650-996-2649http://www.AwakeningSelf.com


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Our unique combination of strong process rigour, over 900 highly trained permanent employees, and ability to leverage technology provides our clients with high-quality, cost-effective solutions.
New York, NY (PRWEB UK) 6 January 2015
QuisLex, Inc., announced today the opening of its London office located at 15 Old Bailey in the City of London, in response to increasing demand for its services from the UK and EU legal markets. The London office strengthens the company's ability to serve its longstanding law firm and financial institution, insurance and manufacturing clients, and increases capacity for engaging new clients.
Entering a second decade as an award-winning industry leader, QuisLex has seen a continued increase in work originating in the UK and EU. "Our decision to open a London office was driven by increased client needs in litigation, regulatory, and compliance work that benefits from our proven ability to execute," says Sirisha Gummaregula, QuisLex's Chief Operating Officer.
"Our unique combination of strong process rigour, over 900 highly trained permanent employees, and ability to leverage technology provides our clients with high-quality, cost-effective solutions," says Ram Vasudevan, QuisLex's CEO. "As a result, demand for our core managed document review, contract lifecycle management and compliance services is high. Our London office will increase our ability to both take on new clients and expand our relationships with existing ones."
About QuisLex:
QuisLex is an award-winning legal services provider specializing in executing complex document review, contract management, and compliance projects for leading corporations and law firms throughout the world. QuisLex has reviewed over three billion pages in support of litigations and investigations, and drafted, negotiated, and reviewed hundreds of thousands of contracts in connection with compliance initiatives, M&A due diligence, and contract lifecycle management.
Since its founding in 2004, QuisLex has been a pioneer in the offshore legal services industry. With more than 900 attorneys, process experts, statisticians and linguists, QuisLex continues that tradition today by delivering solutions that reduce costs, mitigate risks, and enhance quality. The company's expertise in providing these benefits has been acknowledged by both clients and the legal industry at large, including being recognized by Chambers & Partners as a Band 1 legal outsourcing provider, New York Law Journal as a top managed document review provider, and IACCM as its "Outstanding Service Provider" for contract management solutions.


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Gooch & Housego PLC (G&H), the leader in photonics technology and specialist manufacturer of optical components, has completed the acquisition of ITL Group in order to expand its presence in the Medical sector.
As a design consultancy deciding on the ideal contract manufacturer for your customer can be a difficult process, as there are many considerations to bear in mind. When the time comes for you to recommend a contract manufacturer, we want you to make the best decision possible—here's how ITL can work with you.
Design Transition of a Reusable Tampon Applicator from Concept to Rapid Tooling
A complete R&D project to develop a demonstrator of the technologies that will be incorporated in future Point-of-Care (POC) devices


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Circle of Fleur de Lis is a FREE one-week camp for girls ages 9-13 who have experienced the death of a parent. Sunday, August 19, 2018 to Friday, August 24, 2018.
We are excited to host year 6 of Circle of Fleur de Lis, a week long traditional overnight camp for bereaved girls.
At Fleur de Lis Camp, we know the value of overnight camp. We know the value of play and engaging in healthy activities such as swimming, kayaking, canoeing, tennis, archery, arts and crafts, softball, basketball, and singing around the campfire. At Circle of Fleur de Lis we know the value of helping children talk about the losses in their lives. Circle of Fleur de Lis brings these together, so our campers can have summer days of childhood fun, meaning, and bonding.
Our program integrates traditional overnight camp activities with the opportunity to do "grief work" in a safe and caring setting, under the guidance of professional bereavement staff, surrounded by supportive peers. Campers are able to share their stories and remember the parent who has died.
The program is entirely free to campers, and free transportation will be provided from two locations in MA and one in NH.
Reach out to our co-Directors, Kate Young Allen and Jennifer Maynard.
We love new campers! Give us a call, fill out an inquiry form, or send us an email to set up a private tour of camp.


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The Story
The perfect job. The perfect wife. The perfect life. Johan's life has always been perfect, up until he had his first son, Imran, whom the doctors diagnosed with autism. Unable to deal with the 'imperfection' in his otherwise flawless life, Johan wallows in work instead and his constant absence eventually causes his wife to ask for a divorce.
Tasked with telling Imran about it, Johan finally spends some time teaching his son to ride a bicycle. During these last moments together, however, Imran shows Johan that life isn't without its scrapes and teaches him an important lesson:
That life doesn't always have to be a perfect ten.
The Cast
Johan Awad Salim Ramli
Imran Muhammad Danish Bin Awad Salim
The Team
Director / Director of Photography Sean Ng
Producer / Casting Director Geraldine Lee
Writer / Production Assistant Diyanah Mustapha
Assistant Director / Art Director / Unit Production Manager Mah Yinghao
Editor / Location Manager Caleb Quek
Camera Assistant Hady A. Hamid
Sound Recordist Nicholas Matthew Lee
Production Assistant Benjamin Tanaka
Special thanks to
Andrew Adelson
Rona Edwards
Nana Greenwald
Roderick Plummer
Chapman University Singapore
Best Student Drama (Foreign) category – International Family Film Festival 2013
Official selections:
- Los Angeles Asian Pacific Film Festival 2013
- International Family Film Festival 2013
- European Union Film Festival 2013
- Big Bear Lake Film Festival 2013
For the Press Kit, please click here.


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This information sheet describes the Software Architecture Principles and Practices Course. The two-day course emphasizes the importance of the business (or mission) context in which systems are designed and introduces participants to software architectures in a real-world setting. "Industrial-strength" case studies illuminate the key technical and organizational issues regarding software architectures. This course is based on the book Software Architecture in Practice, 3rd Edition.
Note: Training courses provided by the SEI are not academic courses for academic credit toward a degree. Any certificates provided are evidence of the completion of the courses and are not official academic credentials.


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A John Keitel gay-themed movie full of romance. Featuring a tale of Colege boys in a fraternity, the movie brings out the depths of romantic love in these young folks.
A college fraternity with a Gay couple within their ranks is as unique as it get. Griff goes against all odds as he chooses to stick with his fully Gay boyfriend even after a gruesome Gay bashing incident.


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|Full-time Statistics
|Internship Statistics
Updated September 22, 2005
|Updated September 13, 2006
|Internship Companies
|2005 Full-Time Companies
Advisor Software
* Some companies had more than one MFE intern.
|Full-Time Positions (Types)
|ABS Analyst, Trading
|Assistant Vice President, Structured Finance
|Associate, Asia ex-Japan Equities
|Associate, Capital Markets
|Associate, Client Service
|Associate, Fixed Income Quantitative Research
|Associate, Fixed Income
|Associate, Fixed Income
|Associate, Global Research and Economic Dept, Wealth Management
|Associate, Interest Rate Trading
|Associate, Quantitative Credit Research
|Associate, Sales & Trading
|AVP Quantitative Finance, Enterprise Credit Risk
|Contractor FI trader/PM,
|Credit Modeling Analyst, Credit Risk / Reporting
|Engineer, Reinsurance
|Financial Engineer
|Financial Engineer, Analytics
|Graduate Trainee, Debt Capital Market
|Junior Portfolio Manager, Fixed Income Portfolio Solutions
|Portfolio Manager, Asset Allocations, Global Market Index Group
|Portfolio Manager, Fixed Income
|Quantitative Analyst
|Quantitative Analyst, Asset Management
|Quantitative Analyst
|Quantitative Analyst, Asset Management
|Quantitative Analyst, Quantitative Equities
|Quantitative Research Associate , Risk Management
|Research Associate, Equity & Fixed Income
|Research Associate, Fixed Income Core Analytics
|Risk Analyst, Credit Loss Modeling Application
|Risk Management Consultant I, Credit Administration & Portfolio Management
|Senior Quantitative Analyst, Treasury Dept.
|Senior Associate, Corporate Value Consulting
|Senior Quantitative Analyst, Portfolio Management
|Strategist (Senior Analyst), FICC (Fixed Income, Credit and Commodities)
|Strategy Analyst, Global Advanced Active


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Critical Acclaim | Features
Martinu's The Epic of Gilgamesh with the Grant Park Music Festival
"Angela Meade's plush dramatic soprano was made to order for the courtesan's seductive solo"
– Chicago Tribune – John von Rhein
"The four excellent soloists gave intensely affecting performances: the luminous soprano Angela Meade in the double role of the courtesan who seduces Enkidu and the goddess of love, Ishtar, whom Gilgamesh rejects, thus offending the gods who demand Enkidu's death in revenge."
– Classical Voice North America – Marta Tonegutti
Donizetti's Parisina d'Este with The Opera Orchestra of New York
"The problem with many of the bel canto operas that composers cranked out by the dozens in the 19th century is that they often feel like nothing more than vehicles for their star soprano. The plus side, for a company seeking to revive one of these works today, is that all it takes is one fiery-voiced singer to carry the show.
That certainly seemed to be the recipe behind Wednesday's concert performance of Donizetti's "Parisina d'Este," which the Opera Orchestra of New York presented at the Rose Theater at Jazz at Lincoln Center under the direction of Eve Queler….a preposterous plot ultimately faded into irrelevance next to the glittering performance of Angela Meade in the title role.
The final act contains some stunningly dark and desperate music, with a funerary chorus, ominous drums and a bravura aria for Parisina, "Ugo è spento," in which she veers between shocked grief and vindictive rage. Ms. Meade's plush soprano, with a silvery glint that sharpens when she sings forte, eloquently expressed her character's volatility and pain. The leaps, runs and ornaments of this role, which presses at the extremes of a soprano's register, held no terrors for her."
— Corinna da Fonesca-Wollheim, New York Times
Verdi's Requiem with the Boston Philharmonic
"While it was featuring the mezzo, Verdi's score "hid" the soprano soloist, having her join ensembles and contribute a well-placed high note here and there, but never step forward with an individual statement. But all that changed in the work's closing passage, "Libera me," a scena in several sections for soprano and chorus.
On Sunday, soprano Meade delivered the work's closing prayer with unforgettable eloquence, passionate one moment and serene the next, meeting the composer's vocal demands, especially for soft, high entrances, with little apparent effort.
Meade's uplifting rendition sent the piece out literally on a high note, touching off a prolonged ovation that also recognized the sincerity, seriousness of purpose, and manifold beauties of this performance."
— David Wright, Boston Classical Review
"Zander is known for working magic, but much of it must have been conjured at the last minute, since Soprano Angela Meade was only original vocal quartet member. She stunned in the requiem's final movement, Libera me, and when in Agnus Dei, her long duet with mezzo Marianne Cornetti was sublime. These two seemed, quite simply, meant to sing together."
— Susan Miron, The Boston Musical Intelligencer
"A late winnowing of soloists — only soprano Angela Meade remained from the originally-announced lineup — added extramusical last-judgment overtones; the survivors made persuasive arguments for being among the elect… Meade turned her "Libera me" into an anthology of soprano stage sorrow, launching high-note salvos from a platform of controlled restraint."
— Matthew Guerrieri, The Boston Globe
New Year's Eve with the Philadelphia Orchestra
"The remarkable soprano, who headlined The Philadelphia Orchestra's New Year's Eve concert, was in absolute breathtaking form as she returned to the ensemble for her first ever December 31st gala….Ms. Meade clearly demonstrated that mastery of the Italian composer (Verdi), bringing the audience to their feet after her powerful rendition of "Pace, pace, mio Dio!" from La Forza del Destino… She had the same effect on the crowd after intermission, causing quite a stir during "Sempre libera" from La Traviata. Her tenor husband, John Myers, was planted in the audience and surprised everyone when he began to sing in the middle of her performance. It was truly a remarkable moment….She also brought a level of warmth and tenderness to her interpretation of yet another iconic work from the operatic cannon, Puccini's La Boheme, singing "Mi chiamano Mimi" with amazing sensitivity."
— Bryan Buttler, Phillymag.com
Norma with the Los Angeles Opera
"A Powerful soprano with exacting control, Angela Meade offers a textbook example of how to handle every nuance of Bellini's exquisite melodic writing for his title character."
— Mark Swed, The Los Angeles Times
"Meade made a formidable Norma. She's got a big, lyric voice that can rise above fortissimo climaxes, yet remains nimble and supple enough for the graceful singing and pianissimo point required in bel canto."
— Timothy Mangan, The Orange County Register
"Yet the takeaway from Saturday night is the performance of Angela Meade as the title character, a rendition where the word "sublime" doesn't quite seem adequate. This American soprano, previously seen here as a soaring Donna Anna, has since taken The Met by storm and is a rare treat for Los Angeles audiences. Meade's is a voice that immediately commands attention. It is large (the echo heard off the balcony walls) yet focused; it is powerful, thrilling, yet impeccably controlled. As the high priestess, an intensely demanding role, Meade was in complete control with vocal stamina to spare. She had all the technical aspects the role requires: thrilling high notes, tight coloratura, a trill, and ravishing pianissimos. "Casta Diva", the musical redemption of the opera, was alone worth the price of admission. This is a special voice and a special musician."
— Matthew Richard Martinez, Bachtrack
Scenes from Don Giovanni with Baltimore Symphony Orchestra
"This was vocalism that made you think of older, grander days in the opera world."
— Tim Smith, The Baltimore Sun
Portland SummerFest
"Most valuable performer: Meade deserves high honors for her participation in the festival, her performance throughout Saturday night's concert and — to choose just one moment — her scorching final measures of 'Pace, pace mio Dio' from Verdi's 'La forza del destino.' If there had been a roof, she'd have blown it off."
— James McQuillen, The Oregonian
Verdi's Requiem at the BBC Proms
"Dominating the solo quartet were Meade and mezzo Karen Cargill. Where Cargill is pure vocal muscle, Meade's voice is all gilded evanescence and glow. The pairing was astonishing, each luxuriating in Verdi's duet writing without ever forcing the sound; the "Recordare" alone was enough to resign one to death. Separately, too, they shone – Meade in the closing "Lux perpetua", floated so tenderly, and Cargill in the hushed intensity of her "Lux aeterna" opening."
— Alexandra Coghlan, The Arts Desk
"Of the four soloists, exceptional were the succulent-toned soprano Angela Meade and her grandly rhetorical mezzo colleague, Karen Cargill: their immaculately co-ordinated duetting provided some of the highlights of the interpretation as a whole."
— George Hall, The Guardian
"The soprano Angela Meade also impressed – […] her voice proved to be measured and versatile, with a brilliantly demonstrated ability to tackle the opposites of terror and sweetness in the Libera me, and to make the perfect partnership with Karen Cargill's voice in the Recordare and Agnus Dei."
— Barry Creasy, Music OMH
"Soprano Angela Meade gave a smoothly musical performance, at her finest in Libera me, the final movement and the most openly operatic of all. Sounding much more like a queen's death scene (one of Verdi's many specialities) than a plea for redemption, Meade delivered her final lines with a superb, tense conviction nearer rage than regret. […] her shimmering vibrato allowed her voice to shine inside the quartet in the third (Offertory) movement, while her contribution to Agnus Dei was softly appealing."
— Charlotte Valori, Bachtrack
"A much better night was enjoyed by American soprano Angela Meade, whose glisteningly light and agile sounds soared."
— Rachel Fellows, The Arbuturian
Met National Finals Concert
"'Grand Opera's answer to 'American Idol,' " said Peter Gelb, general manager of the Metropolitan Opera, describing the organization's annual National Council Auditions while the judges deliberated on Sunday afternoon. The important vocal event has helped propel the careers of many young singers, including the soprano Angela Meade, who presented the Grand Finals Concert at the Met. … Before the judges announced their decision, Ms. Meade told the audience that she had entered 60 competitions (including the Met's) and was "blessed to win 57." After listening to her gorgeous rendition of 'Casta Diva' from Bellini's 'Norma,' now one of her showpiece arias, there was no doubting why.
— The New York Times, Vivien Schweitzer (March 2014)
Ernani at the Metropolitan Opera
"The soprano Angela Meade, who sang Elvira when 'Ernani' was last at the Met in 2012, again brought plush sound, unforced power and sumptuous beauty to the role. … It was wonderful to hear such a fresh, exciting voice in this music."
— The New York Times, Anthony Tommasini (December 2014)
Angela Meade scores another soaring success in Met Opera's Ernani revival
"Angela Meade, who owns this role, conveyed the besieged noblewoman's emotional fragility without turning her into a wilting damsel in distress. Vocally she was superb, easily heard over the other principals and the entire chorus in concerted numbers—a Verdi trademark—which abound in this unjustly underperformed work. She dispatched the part, encompassing the entire vocal range from the lowest lows to the skies, without the vocal "fry" and stridency that too often accompany both extremes, with sheer beauty regardless of the note. … The girl does it all and does it splendidly."
— Examiner.com, Richard Carter (March 2015)
"As Elvira, Angela Meade returned to a role that she has essentially made her own at the Met. What was most noticeable about this turn was the strength that Meade found in the lower register; in some ways these were the moments that resonated most dramatically, allowing the listener to listen to Elvira's doomed and violent nature, something that often goes unnoticed in some performances. … In this performance, Meade delivered on Elvira's suicidal potential and killed herself with a knife, something she had done in her first run a few years ago. This moment was so abrupt and quick that you could hear audible shock from around the auditorium in the grand pause that followed.
— Latin Post, David Salazar (March 2015)
"Meade continues to amaze with her fluidity of voice, showing off her command from top to bottom as Elvira. What a beautiful, sumptuous sound she makes! She triumphed in her very first aria −the opera's best known piece, "Ernani, involami" − and went on from there. … She's a force of nature and we're lucky to have her."
— Broadway World, Richard Sasanow (March 2015)


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Day 25-
I'm feeling tired and cranky this morning. I didn't sleep well last night. Got myself moving though and took dogs for a walk early. I started feeling better within 10 minutes. I can't say enough for the power of routines and movement in the morning to totally shift how I feel. Still feel tired and a bit cranky but definitely better than if I hadn't gone on my walk. Sunshine and fresh air are key to also helping my adrenal glands recover.
I took the colostrum today since I was feeling better. I think the combo of keeping foods lighter and decreasing the Betaine HCL helped to calm my GI system. I didn't want to stop the colostrum and then not know if it was that or the asparagus or just too much going on in my system.
If I don't feel so good today I won't take it tomorrow. I'm going to keep the food to the easier to digest stuff again today to let my body rest. I may add a new food which would be pumpkin today. I'm pretty sure I'm ok with this as I seem to be good with all the squashes so far. They also feel comforting to eat. I'd really like to get more greens in too but it seems like that's more in Stage 3 of food introductions.
Pre breakfast-2 tbsp collagen and colostrum
Breakfast-chicken soup
Snack-applesauce and banana
Lunch-chicken, butternut squash and spinach
Snack-applesauce and turkey slices
Dinner-Rock fish filets, pumpkin and spinach


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Eggplant gives this pasta sauce a rich meatiness that complements the ground beef. Plus the eggplant allows us to use a little less beef but still have a generous and hearty serving.
Cuisine: Italian, Mediterranean
Season: Spring, Summer, Fall, Winter, All Seasons
Type os dish: Main Dish, Main Dish, Main Dish, Pasta, Dinner
Diets: Heart Healthy, Low Calorie, Low Cholesterol, Low Saturated Fat, Lower Sodium, High Fiber, High Potassium


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Italy: Birds & Art in Tuscany May 12—23, 2017
Posted by Rick Wright
Related Trips
The whole point of travel, especially travel with a natural historical and cultural focus, is to attain a first hint of intimacy with a new landscape, or with a landscape we think we know in a different, perhaps more superficial way. Our 2017 tour of Tuscany found us strolling the roads the Romans strolled, examining chisel marks in some of the finest sculpture in the world, and getting as familiar as possible with Tuscan cuisine that ranged from delectable to magnificent. Some of our most genuine experiences of closeness, though, were with the wildlife of this wonderful stretch of central Italy: the self-destructive leaping mullets of Diaccia-Botrona, the Hermann's Tortoise that shared its innermost secrets at the Orbetello Preserve, and above all, the elegant Yellow-legged Gull that daintily plucked its midday snack from Michael's fingers on the ferry to Giglio Island.
Our first day set the tone and the pace for our investigation of Tuscany's birds and art, with a stop at the marshes of Fucecchio—host that warm and windy day to Short-toed Eagles and Eurasian Spoonbills, among other wonders—followed by a visit to the notorious Ponte della Maddelena, where we admired the engineering skill of the medieval builders and smiled at the tale that gave this distinctively high-arched bridge its nickname, the "Devil's Bridge," all while the members of a nice colony of Crag Martins flashed over and under and around us.
The mix of nature and culture is virtually inevitable in a landscape that has been occupied by humans for so long, from the prehistoric peoples of the hills and plains through the Etruscans, the Romans, the city-states and fortified mountain towns of the Middle Ages, and the farmers, craftsmen, and chefs of our day. Red-backed Shrikes and Common Cuckoos in the Apuan Alps were the perfect complement to the beauty of the small Romanesque churches of San Lorenzo and Codiponte, and no alert visitor to the world-famous monuments of Florence can fail to appreciate the Common Swifts, Eurasian Magpies, Common House-Martins, and Little Egrets that did their best to distract us from the Giottos, the Titians, the Botticellis, and all the other artistic treasures of the city.
Our move from the wild and rugged mountains of northern Tuscany to the gentler landscapes of the south took us by way of Arezzo, whose medieval cityscape is more human in scale, but just as captivating in effect as the grandiosity of Florence. The frescoes of Piero della Francesca, the Gothic elegance of Arezzo's cathedral, and the beauty of the "mere" parish church of Santa Maria made us all wish for not just more hours but more days in this Tuscan jewel—a wish made the more fervent by our fine lunch of hearty Aretino specialties.
In fact, there were times when the food almost threatened to overshadow our other activities. On Giglio Island, we ate in a truly authentic and truly welcoming trattoria overlooking the blue waters of the sea, the excellence of the meal rivaled only by the friendliness of the chef and his family and the glory of the view. In Manciano, Irina outdid herself once again, the boards groaning every evening with classic Tuscan dishes prepared with care and imagination; she even prepared her own version of the traditional and time-consuming soup of chickpea-sized pasta dumplings and bacon, one I had never had the good fortune to try and one that immediately joined my list of favorites.
In between meals, we discovered that the shorebird migration, usually more or less complete by mid-May, was still ongoing on the shores of the Orbetello Lagoon. Golden Plovers, Bar-tailed Godwits, Little Stints, Dunlin, and Ruffs were still sharing the flats with flocks of Greater Flamingos, but we could not take our eyes off the Kentish Plovers, endangered and declining as breeders anywhere in Italy. The biggest surprise of the tour this year had been provided earlier that day by a close-up flock of weirdly beautiful Bald Ibis, representatives of the Austrian breeding flock and an encouraging sign that this species, given up not that long ago as lost for good, might someday be re-established in Europe.
Hard as it always is to name a favorite, our morning at Diaccia-Botrona may prove the most memorable moment of this year's tour for me. Not only were we blessed by leaping fish (surely it is good luck to be hit by a flopping mullet), but our boat trip along the canal, starting at the sixteenth-century Casa Rossa, took us right into the reedy home of Zitting Cisticolas, Corn Buntings, and the usually painfully secretive Squacco Heron, while above us loomed the perfect medieval fortress of Castiglione della Pescaia and ahead of us the open waters of the impossibly blue Mediterranean. It is experiences like that, shared with new friends and old, that keep this tour so high on my list of favorites.


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Xtreme Football League
From Conservapedia
(Redirected from XFL)
The Xtreme Football League (also known as simply the XFL) was a short-lived American football league run by WWE. The league called itself "the way football was supposed to be played".[1] However, the league fizzled out in 2001 after only one season. However, several players went on to other leagues and some were quite successful (such as Tommy Maddox and arguably the league's best known player, Rod "He Hate Me" Smith).
In December 2017, it was rumored that the XFL may be returning, under a new company being run by Vince McMahon, after McMahon sold a large share of his WWE holdings. Ultimately in January 2018 McMahon confirmed the rumors to be true, with the league planning to start in 2020.
Teams (Original League)
- Birmingham Bolts
- Chicago Enforcers
- NY/NJ Hitmen
- Memphis Maniax
- Las Vegas Outlaws
- Los Angeles Xtreme
- Orlando Rage
- San Francisco Demons


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Gift in your will (Legacy)
Leaving a Legacy to the Meniere's Society
Leaving a legacy to the Ménière's Society is a lasting gift to a cause that is important to you during your lifetime. Not only will you help us with carrying out our day-to-day work, but your gift can also help us to plan for the future of the Society. In the past, larger legacies have enabled us to support research projects which we would not have been able to do otherwise.
How will my Gift be used by the Ménière's Society?
If you choose to leave a gift in your will to the Ménière's Society, you may also choose to stipulate how you'd like us to use your gift. Perhaps you'd like it to be for the general use of the Society, which can be applied to the most needed area at the time. Alternatively, you may wish your gift to be reserved specifically for research projects. Whatever your preference, your gift will assist the Society in the work we do and the services we provide to members.
Inheritance Tax
One important aspect of leaving a gift to Charity under a Will is often overlooked. Such charitable gifts are potentially exempt from Inheritance Tax. If a person's Estate is subject to Inheritance Tax the value of the gift will reduce the Inheritance Tax bill. For example the sums of £1000 or £10,000 are likely to attract Inheritance Tax relief amounting to £400 and £4000 respectively.
Adding a legacy to your Will
To leave a legacy to the Ménière's Society you would need to include details in your will or include a Codicil with your existing will. A solicitor could handle this and/or provide further information. A form of codicil to leave a specific gift to the Ménière's Society can be downloaded here. When including the details of your bequest in your will/codicil, please include our registered charity number. This will ensure that there is no confusion about the charity you would like to receive your gift. The Ménière's Society's registered charity number is 297246.
Join Us
You can also support Ménière's Society by becoming a member. Benefits include an extensive information pack, quarterly magazine Spin, a complimentary copy of Balance Retraining and Controlling Your Symptoms, voting rights at our AGM and more!


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Some of the largest and most expensive accidents involve big trucks—thousands of people in the United States die annually from collisions with trucks. Regardless of the cause, the occurrence of a truck accident is enough to greatly affect the lives of those involved, financially and physically as well if there are injuries. The combination of the two escalates the ultimate cost of the accident and soon the medical bills, missed work, and more start to pile up.
Out-of-pocket costs for truck accidents can be outlandish. Having experienced trucking accident attorneys who know their way around truck accident cases can lessen your final costs and lessen the blow on you and your family's financial situation while you take time to heal.
In 2015 alone, 3,852 deaths occurred from truck crashes—16% of truck passengers, 69% in automobiles (cars, SUVs, etc.), and 15% on a bicycle, motorcycle, or on foot. Because of the significant weight difference between semi trucks and other types of vehicles on the road, a semi's involvement in a crash can turn a collision catastrophic in a matter of seconds.
Generally in a trucking accident, the truck driver, the company he or she works for, the loading or maintenance crews, or the manufacturers of the vehicle can be at fault for the accident. The more complex a case gets, the longer it may last and the more it may cost, so out-of-pocket costs are of course a concern for anyone involved in a big truck accident and can involve a variety of factors, including legal fees. These fees can include filing your case, costs of going to court, attorney's fees, and more. It's actually common for legal and investigative fees to pile up higher than fees from the accident itself. An Accident Reconstruction Expert is almost always required to determine liability issues by downloading information from the truck's "Black Box" to map out the area of the wreck and examine the tractor trailer to see if it meets all its legal requirements.
What's the best method of controlling or circumventing these costs? Seek out the experienced attorneys at Boughter Sinak, LLC. We offer a free case evaluation and don't demand any attorney fees until a recovery has been made. We will fight on your side to offer guidance throughout the legal process and ultimately get you the compensation you deserve. If you or a loved one has been injured in a truck accident, contact Boughter Sinak, LLC today.


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Watch a short video demonstrating the SUPER Search features, and get started on your learning journey!
We know that students use Google for its one-click feature. Students now have that one-click access but with one BIG difference—the results are from reliable and trusted sources of information. Heartland AEA's new SUPER Search combines many of our online databases into one search interface!
elementary Username: 3906lses Password: haea11
middle school Username: 3906lses Password: haea11
high school Username: 3906lshs Password: haea11
Each grade span links to different age-appropriate databases.
What are the benefits for students?
To become college and career ready, the Common Core Standards require that students master digital literacy, which is the ability to gather facts from narrative or informational texts in any source or format, understand and use the information appropriately, and then be able to communicate it to others using a variety of print, audio and visual media.
Another piece of digital literacy is digital inquiry. Not only must students evaluate and analyze their reading, they must learn to ask questions that go beyond assembling simple facts to gathering information that helps them reach a new level of understanding. Reading critically and asking deeper questions that lead students to new understanding is at the heart of digital literacy and higher order thinking skills.


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(CNN)Sen. Lindsey Graham will propose a measure to pull US funding for the United Nations unless the UN Security Council repeals the resolution it passed condemning Israeli settlements.
"It's that important to me," he told CNN. "This is a road we haven't gone down before. If you can't show the American people that international organizations can be more responsible, there is going to be a break. And I am going to lead that break."
"I will do everything in my power, working with the new administration and Congress, to leave no doubt about where America stands when it comes to the peace process and where we stand with the only true democracy in the Middle East, Israel," Graham added. He later told CNN's Dana Bash that US funding accounts for 22% of the UN's budget. full story
About time!
Get Updates!


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Pumpkin Ridge (Ghost Creek) – Played 2015
- Rankings: Golf Digest Public #63, Golf Magazine Public #56
- Location: 12930 NW Old Pumpkin Ridge Road, North Plains, Oregon
- Year: 1992
- Architect: Bob Cupp
- Course Access: Public
- Walking Rules: Carts Available
Score Card Information:
- Black: 6,834 yards, Par 71, 74.5 Rating/146 Slope
- Blue: 6,357 yards, Par 71, 72.0 Rating/139 Slope
- White: 5,882 yards, Par 71, 69.6 Rating/136 Slope
- Red: 5,111 yards, Par 71, 66.0 Rating/132 Slope
You didn't think I would be too tired for more golf after Bandon Dunes did you? After the Bandon portion of our trip it was off to the Portland area. While in town I was able to grab a quick drink with Sean from breakingeighty.com. Give his site a visit if you haven't been.
The idea for Pumpkin Ridge came from three partners and the help of a Japanese family. The partners were Marvin French, Gaylord Davis, and Barney Hyde. With additional support from Shigeru Ito and his daughter, Kumiko Rodewald, the building started in 1990. They built two courses, the private Witch Hollow and the public Ghost Creek.
They received a windfall of publicity in 1992 when the Witch Hollow course received the 1996 US Amateur. You may know this little tournament. Tiger Woods happened to win his third straight Amateur. That was a pretty good event to bring notoriety to your courses.
The golf facility is quite nice. Below you can see the clubhouse that services Ghost Creek. There is another private clubhouse as well. There is an ample driving range and putting green as well.
You can see below that the clubhouse has some good memorabilia. It makes sense for a facility that has hosted the 1996 US Amateur, 1997 & 2003 US Women's Opens, 2000 US Girl's Junior, 2000 US Junior Amateur, 2006 US Women's Amateur, and the 2009-2012 Safeway Classics.
Here is a shot of the large driving range. The private one is on the other end of this. Below this is the putting green.
Let's get down to business. All distances are from the blue tees.
Hole 1 – 392 yards – Par 4
The first hole is not overly demanding. There is a bunker down the right to avoid. Other than that, swing away.
The approach plays to a slightly raised green that is open in front.
This looks like the Pacific Northwest that I pictured. The tall trees frame the tee shot. A little draw works here.
You emerge from the trees for your second shot. There is very little trouble around this green.
Here is a close shot of the green.
I liked this hole. The junk is not really in play unless you hit it really poorly. This was a bit of a sucker pin.
The green is bisected by a ridge you can see on the right. It is imperative to get your ball on the right tier for a reasonable putt.
This tee shot plays uphill slightly. A draw fits best. There is more room up there than it seems.
The fairway cants severely left down the entire hole from here. You will want to be careful you don't get this shot moving too much left.
The green is guarded by two bunkers seen below. Like most greens here, it is open in the front.
Below you can see the ripples in the green that can make for some interesting putts.
The second one-shotter is another solid one. A long iron is needed, but the architect gives you a big target. You can miss it both ways quite a bit and still catch the green.
A shorter hole at the sixth gives you options. You can bang driver as far up there as you can or play conservative. What I am assuming is Ghost Creek runs up the entire right side and must be respected.
The green is hemmed in by the creek and a bunker. You will want to favor the left side, but long is not great either.
I wanted to get you a view of the unique bunker with the grass island in the middle.
Here is a shot of the green. It is a little smaller than the previous ones.
This hole seems even longer following the sixth. It bends to the left, but you can hit it pretty far right. I thought I had lost my ball after blocking it, but still managed to find it.
The green is raised from the ground around it and guarded by a tree and two bunkers. The chips are tough here so hit the green.
The eighth requires you to hit out of a bit of a chute. If you can play a small fade you will be in great shape.
The view of the approach shows a small green fronted by a large bunker.
The green is very small and definitely set up to accept wedge shots rather than three woods.
This is a strong finish to the front side. The creek is definitely in play up the right side.
The approach can be a little nerve-wracking. You cannot miss left with the pond looming. The shot must be on the right line.
The green is pretty large and not overly sloped. If you get a putt you will have a good chance of rolling it in.
This is a great birdie opportunity. It is a short par five and can definitely be reached in two. The fairway provides a big landing area so pound away.
The second shot plays over a creek that is not really in play. You can run your second up on the green is it is dry enough.
The green is another small one. The creek does extend up to the green as you can see. You want to make sure you don't go too far left on your approach.
I will say it, the par threes are great here. This creek is easy on the eyes. It can bite you though if your shot drifts right and short.
The green angles away and to the right of the tee. There is a hump you can see on the right.
This hole doglegs to the right. A shot left of the bunkers you can see will play nicely. It plays a little downhill to maximize distance.
The approach plays over quite a bit of sand if you take it at the pin seen here. You can go into the right side of the green and avoid the traps. The mounds around the green probably provided some good spectator areas.
There is some undulation on the far side of the green that you can see to the right of the pin. This place is so green!
The tee shot here is straightforward. Something a little over 200 yard will leave you an easy shot into the green.
The approach slightly uphill with bunkers on both sides.
This one is lengthy, but it plays downhill. The green is quite large to receive long iron shots.
Here is a closer view of the green.
You can see below the putting surface is fairly flat with some ripples in the back of the green.
You can bust one off this tee. A draw will get rolling down the hill to the semi-blind landing area.
Here is a view of the second shot.
The green is guarded by the bunkers here that make it difficult to go for it in two. Make sure you carry it all the way there.
The green has two tiers with this pin being on the upper tier.
I wanted to get a picture of the tree next to the green. This thing is massive.
This is a short little hole. It is surrounded by bunkers and rough. Missing the green can result in some difficult chipping.
Here is the green from the side.
This is a shorter hole and you can take a shorter club off the tee. Something 200 yards will work great.
The little creek meanders around the fairway and the green. The green is angled away from the fairway.
Here is another angle from the left rough.
The green slopes downward from back right to the front left. The tier bisects the green back to front.
The finishing hole is strong and requires a long drive. The lake is quite a way out there and not really in play for normal golfers. The creek, however, is in play. Favoring the left side of the fairway is a smart play.
The approach shot plays over the water to a green sitting in a bit of a bowl.
The green is larger than it appears from the fairway. It is one of the larger greens on the course.
I had a great time at Pumpkin Ridge. The course was very playable and fair. The greens had been punched recently, but aside from being on the slow side they ran smooth. It was a treat to play a public course that has hosted so many great events. The course was beautiful with large trees and creeks throughout. This is what I had in my head when I pictured courses in the Pacific Northwest. Having played Bandon I know there are many types of courses in this region, but Pumpkin Ridge was a fun experience on the other side of the spectrum. If you are in the area definitely carve out some time for Pumpkin Ridge. For planning purposes it is about 30 minutes outside of town.


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Knowledge is knowing that a tomato is a fruit.
Wisdom is knowing not to put it in a fruit salad.
Entrepreneurship is checking to see if putting a tomato in a
fruit salad isn't actually a good idea and seeing if there is a
potential market there.
Separating out genuine wisdom from things that have just always
been the way that they have can be difficult, but every now and
then an individual comes along and changes the world in a small way
simply by doing something new, or something old in a way that no
one had thought to do before.
Going along with what's always been done before can greatly
restrict you. The truth is your market doesn't always know what it
wants, because it can't always think beyond the constraints of what
is the current norm.
Father of the modern automobile, Henry Ford, is quote as having
said: "If I had asked people what they wanted, they would have said
faster horses."
At the time, nobody had even considered the possibility of a
horseless carriage, or if they had it was mere fantasy as opposed
to thinking it was possible. It would probably be like a contemporary market thinking about a
teleporter – we can get our head around the concept but we're
unlikely to consider it to be an actual possibility.
It's not just consumers that might not be able to see the future
either. Even as recently as 2007, Microsoft's chief executive Steve
Ballmer is quoted as having said about the iPhone that it "is the
most expensive phone in the world and it doesn't appeal to business
customers because it doesn't have a keyboard which makes it not a
very good email machine." A senior marketing director at the
company, Richard Sprague at about the same time also wrote the
device off as something that only the Apple "religious faithful"
will want, dismissing the phone as overhyped.
In the early days of the smartphone, it would have been easy
enough to agree with them. Today with the gift of hindsight, it's
hard to see how they could have been so wrong.
Technology in general can indeed blindside people. Digital
Equipment Corp founder Ken Olsen is quoted as saying "There is no
reason anyone would want a computer in their home," back in 1977,
failing to see the rapid evolution of the computer from
room-filling collection of whirring tapes and clattering switches
to something that slides into your pocket and connects to other
computers all across the world.
Even in other forms of technology there are some choice quotes
that are hilarious in hindsight. Warner Brothers' HM Warner stated
"who the hell wants to hear actors talk?" in reaction to the
possibility of films with sound. (Actually, he might have been on
to something there.)
The point is, even those closest to the market that you're
trying to break into or trying to introduce a potentially daft idea
into might not be the best people to listen to. Sometimes these
experts will be too close to their market, and other times it will
just be that some ideas are simply brand new and completely
There are two messages here. First of all, you can't always see
what's coming your way and you can't predict what will happen in
the near or distant future, even if you do have fantastic in-depth
projections and forecasts. For that reason, it is always important
to make sure that your small business has a suitable insurance
policy in place so that it is secured against truly expensive and
potentially business-killing setbacks cutting you down to size. It
doesn't have to be an extravagance and any decent broker will be
able to find you a policy that is appropriate to your company in
terms of premium and remit.
Second of all, just because everyone tells you that your idea is
never going to work, that doesn't mean that you can't try it and
shouldn't at least test it. People don't always know what they
want, and experts won't always be able to see a truly great idea.
If they could, they would have had it already.
It's true, a tomato in the fruit salad leads to a very
unpleasant dessert, but that doesn't mean you should take my word
for it. Maybe you can find a way to make it work and will be the
next unexpected billionaire thanks to a range of unlikely
fruit-salad-and-tomato-based products. Of course, if you do go down
this route, let me give you a head start so that you can learn from
my mistakes and know that adding Tabasco sauce does not help
Written by David Hing for YOUR Insurance, a
specialist broker that knows more about public liability insurance
than it does about fruit salads and tomatoes.
Image credit: Jonathan Billinger via
Wikimedia Commons and geograph.org.uk
© Towergate Underwriting Group Ltd. All rights reserved.
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