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- The Inequality Accelerator
Départements : Economie et Sciences de la décision
We show that the transition from an economy characterized by idiosyncratic income shocks and incomplete markets à la Aiyagari (1994) to markets where state-contingent assets are available but costly (in order to purchase a contingent asset, households have to pay a fixed participation cost) leads to a large increase of wealth inequality. Using a standard calibration our model can match a Gini of 0.93 close to the level of wealth inequality observed in the US. In addition, under this level of participation costs, wealth inequality is particularly sensitive to income inequality. We label this phenomenon as the Inequality Accelerator. We demonstrate how costly access to contingent asset-markets generates these effects. The key insight stems from the non-monotonic relationship between wealth and desired degree of insurance, in an economy with participation costs. Poor borrowing constrained households remain uninsured, middle-class households are almost perfectly insured, while rich households decide to self-insure by purchasing risk-free assets. This feature of households' risk management has crucial effects in asset prices, wealth inequality, and social mobility.
Mots clés : Wealth inequality, Participation costs, Insurance
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- Time Compression (Dis)Economies: An Empirical Analysis
Départements : Stratégie et Politique d'Entreprise, GREGHEC (CNRS)
To investigate time compression dis-economies (TCD), this study estimated time-cost elasticities using 459 oil and gas global investment projects (1997-2010). Results show that the average cost of accelerating investments is negative: a firm could cut $6.3 million in costs of a single project by accumulating asset stocks one month faster. About 88 percent of the projects exhibit negative time-cost elasticities with over 39 percent of unrealized economies of time compression. Only 12 percent of the projects are subject to TCD. These time inefficiencies or frictions do not negate the existence of TCD, but suggest they are less prevalent than assumed in the literature. Management experience, R&D investment, firm size, economic development and political stability are shown to be associated with greater time compression efficiency.
Mots clés : Sustainable Competitive Advantage, Temporal Frictions, Time Compression Diseconomies, Time Inefficiencies, Time-Cost Tradeoff
- Alliance Formation and Firm Value
Départements : Stratégie et Politique d'Entreprise, GREGHEC (CNRS)
We consider the formation of alliances that potentially create complementarities, that is, when the value function is super-modular in firm resources. We show that, in a frictionless world where information is perfect and managers optimize, firm alliances disproportionately increase the value of high-resource-level firms, resulting in higher variance and higher skewness of the distribution of firm value; moreover, higher-value alliances are subject to regression to the mean at a faster rate. These effects are magnified if the degree of complementarities is endogenously determined by each firm's investment. We also consider alliances where matching and/or information about firm resources are imperfect, and show that complementarities are a necessary but not sufficient condition for alliances to cause an increase in firm value; and that complementarities are neither a necessary nor a sufficient condition for alliances to be correlated with higher firm value.
Mots clés : Firm Alliances, Matching, Competitive Advantage
- The Impact of the French Doctrine of Significant Imbalance on International Business Transactions
- D. RESTREPO AMARILES, Eva MOUIAL BASSILANA, M. M. WINKLER
Départements : Droit et fiscalité, GREGHEC (CNRS)
This article examines the concept of "significant imbalance" (SI) under French law and its impact on international business transactions. "Significant imbalance" is a legal standard meant to assess whether a contractual clause is unfair (abusive). Although initially restricted to consumer law, it has been extended to general contract law with the implementation of a reform entered into force on 1st October 2016. Previously, the Commercial Court of Paris in the ruling Ministry of Economy et al. v. Expedia, Inc. et al. (2015) had qualified SI as an "overriding mandatory provision" (loi de police) under EU Regulation No. 593/2008 on the applicable law to contractual obligations (Rome I). As a consequence, SI became operative in respect of international contracts despite an express choice of a foreign governing law made by the parties to the transaction. This article argues that, as a result of Expedia and the 2016 reform, French courts can interfere with international business transactions by striking down contractual terms that they deem unfair according to the SI standard. The analysis focuses on two key issues. On the one hand, notwithstanding recent judicial precedents, SI still fails to provide a reliable test for predicting which clauses or contracts are at risk of being deemed unfair. On the other hand, the legal arsenal supporting French legislator's disapproval of SI allocates great power to French courts and the French government to pursue tort lawsuits against foreign companies allegedly oppressing their commercial partners with SI clauses. Empirical evidence shows that these actions are highly successful compared to those commenced by private actors. The article concludes that all these aspects, together with SI's turbulent case-law throughout the years, will sprout uncertainty in international business transactions and may eventually disparage France in the global competition in such a field.
Mots clés : Contract, International Business Transactions, French Law, Conflict of Laws
Départements : Droit et fiscalité, GREGHEC (CNRS)
It is almost a truism to argue that data holds a great promise of transformative resources for social good, by helping to address a complex range of societal issues, ranging from saving lives in the aftermath of a natural disaster to predicting teen suicides. Yet it is not public authorities who hold this real-time data, but private entities, such as mobile network operators and business card companies, and - with even greater detail - tech firms such as Google through its globally-dominant search engine, and, in particular, social media platforms, such as Facebook and Twitter. Besides a few isolated and self-proclaimed 'data philanthropy' initiatives and other corporate data-sharing collaborations, data-rich companies have historically shown resistance to not only share this data for the public good, but also to identify its inherent social, non-commercial benefit. How to explain to citizens across the world that their own data – which has been aggressively harvested over time – can't be used, and not even in emergency situations? Responding to this unsettling question entails a fascinating research journey for anyone interested in how the promises of big data could deliver for society as a whole. In the absence of a plausible solution, the number of societal problems that won't be solved unless firms like Facebook, Google and Apple start coughing up more data-based evidence will increase exponentially, as well as societal rejection of their underlying business models.This article identifies the major challenges of unlocking private-held data to the benefit of society and sketches a research agenda for scholars interested in collaborative and regulatory solutions aimed at unlocking privately-held data for good.
Mots clés : Big data, data, data governance, data sharing, data risk, data invisible, risk governance, philanthropy
- Right Information at the Right Time: Time Value of Information Characteristics for Environmental Technology Adoption
Départements : Information Systems and Operations Management, GREGHEC (CNRS)
We examine empirically how different information types and information channels affect both the intention and the decision to adopt photovoltaic (PV) technology as affected by adoption stage. Analyzing data on a large European utility's current and potential clients reveals how the effects of various drivers of adoption can change across phases of the adoption process. Our results challenge the common wisdom that information necessarily and homogeneously supports innovation adoption; instead, they strongly support the hypothesis that information types and channels have distinct effects on adoption rates. These results also highlight that, throughout the adoption process, the value of information changes. In addition, we clarify the effects of economic incentives on both the intention to adopt PV technology and actual adoption behavior. Our findings have critical implications for policy makers and for any technology manufacturing company that must optimize its marketing strategy and distribution channels to promote renewable energy systems.
Mots clés : innovation adoption; renewable energy; information characteristics; empirical studies
- Building the Legitimacy of Whistleblowers: A Multi-Case Discourse Analysis
- H. STOLOWY, Yves GENDRON, Jodie MOLL, L. PAUGAM
Départements : Comptabilité et Contrôle de Gestion, GREGHEC (CNRS)
Evidence suggests society still does not view whistleblowers as wholly legitimate – despite legal protections now offered in some jurisdictions, such as the United States. Drawing on a discourse analysis, (i.e., an examination of statements), we investigate the well-publicized stories of seven whistleblowers from 69 sources, including books, first- and second-hand interviews, websites and videos. Our focus is to examine how whistleblower discourses can build legitimacy by more tightly defining the whistleblower role and demonstrating its alignment with social norms. Using whistleblower self-narratives, we identify four narrative patterns: (1) Trigger(s): the event(s) leading to whistleblowing; (2) Personality traits: whistleblower's morality, resourcefulness, and determination; (3) Constraints: barriers requiring regulatory and organizational change; and (4) Consequences: the longer-term positive impact of the whistleblowing act. These patterns rely on symbolic, analogical, and metaphorical framing to allow others to better understand the role of whistleblowers and enlist their support. Exploring a data-set of 1,621 press articles, we find indications that these narrative patterns resonate in the media – which provide a form of support and may be instrumental in legitimizing the whistleblower role. Grounded on these results, we develop a legitimacy construction model of the whistleblower role, i.e., a representation of how role legitimacy is produced and sustained. From this model, we identify a number of important areas for future research.
Mots clés : Whistleblowing, Fraud Detection, Role Definition, Discourse Analysis, Legitimacy, Securities and Exchange Commission (SEC), Sarbanes-Oxley Act (SOX)
- Categorizing Institutional Logics, Institutionalizing Categories: A Review of Two Literatures
- R. DURAND, Patricia THORNTON
Départements : Stratégie et Politique d'Entreprise, GREGHEC (CNRS)
This review assembles two highly referenced streams of research in organization and management studies over the past decade: institutional logics and categories. We present the gist of each literature focusing on the interaction within and between organizations vis-à-vis the institutional logics and category systems that condition behavior. Then, we suggest that both streams have compatible assumptions that warrant further integration and suggest opportunities for future research stemming from (1) complementarities related to inter-and-intra-audience variance, formation and recombination of logics and categories, and actors' identity and (2) differences related to theory level of analysis, incorporation of conflict, and methods of analysis. Integration can lead to better specified mechanisms, processes, and contexts important to improving accuracy and development of these research streams.
Mots clés : Institutional Logics, Categories
- Family Firms in the Ownership Network: Clustering, Bridging, and Embeddedness
- R. DURAND, Dalhia MANI
Départements : Stratégie et Politique d'Entreprise, GREGHEC (CNRS)
In this paper, we investigate family firms' position in the intercorporate ownership network. Rooting our predictions in the Behavioral Agency Model and a Network analytical framework, we predict and find that family involvement decreases the likelihood of business group affiliation and of cross-group ties leading to a lower embeddedness within the overall network. We predict and find the opposite effect for community involvement. We use the complete longitudinal dataset of publicly listed firms' corporate ownership ties in India (2001, 2005, and 2009). Theoretical and substantive contributions are to research on family businesses and to research on interorganizational networks.
Mots clés : Family Firms, Community, Embeddedness, Network
- Seeking and Avoiding Choice Closure to Enhance Outcome Satisfaction
- Y. GU, Simona BOTTI, David FARO
Départements : Marketing, GREGHEC (CNRS)
Consumers gain choice closure when they perceive a sense of finality over a past decision and limit comparisons between the selected and the forgone options. We investigate consumers' ability to make strategic use of choice closure to enhance outcome satisfaction. Seven studies show that consumers experience greater satisfaction when they achieve choice closure with an inferior outcome and when they do not achieve choice closure with a superior outcome; however, they expect to be more satisfied by avoiding choice closure with an inferior outcome and by seeking it with a superior outcome. We provide a rationale for this experience–expectation contrast based on rule overgeneralization. Consumers form their expectation on an implicit rule learned and internalized in a context in which it is appropriate and advantageous: when they aim to increase satisfaction with a future choice; however, consumers erroneously apply the same implicit rule to a different context, one in which they aim to increase satisfaction with a past choice. We conclude that consumers are unlikely to be able to make strategic use of choice closure to enhance satisfaction with the outcome of a decision they have made.
Mots clés : choice closure, outcome valence, satisfaction, prediction error, rule overgeneralization
- Is the EU Disinformation Review Compliant with EU Law? Complaint to the European Ombudsman About the EU Anti-Fake News Initiative
- A. ALEMANNO, Justine BROGI, Maxime FISCHER-ZERNIN, Paige MORROW
Départements : Droit et fiscalité, GREGHEC (CNRS)
The EU's approach to fake news, as epitomised by the European External Action (EEAS) Service East Stratcom Disinformation Review, violates the rights to freedom of expression and due process of those accused of distributing disinformation. The EU Disinformation Review is a publication of the European External Action Service (the European Union's diplomatic service) to target fake news and online disinformation. Following our request for access to documents, EEAS conceded that the EU Disinformation Review uses an "ad hoc" methodology for conducting its fact-checks, which makes it an outlier in the international fact-checking community led by the International Fact-Checking Network (IFCN). Despite being a well-intentioned initiative to respond to the challenges posed by pro-Kremlin disinformation, the EU should ensure the respect of fundamental rights when engaging in fact-checking.The EU Disinformation Review seeks to control the right to freedom of expression by labelling publishers as "disinforming outlets" and their content as "disinformation," creating a chilling effect on the work of journalists that is central to democracy. The right to freedom of expression is expressed in Article 11.1 of the Charter of Fundamental Rights of the European Union (2000/C 364/01) and Article 10 of the European Convention on Human Rights. The labelling of publishers as "disinformation outlets" is contrary to principle of the freedom of press established by the European Court of Human Rights: "[a] general requirement for journalists systematically and formally to distance themselves from the content of a quotation that might insult or provoke others or damage their reputation is not reconcilable with the press' role of providing information on current events, opinion and ideas."In addition, the methodology used by EEAS in the EU Disinformation Review is "ad hoc," which constitutes a violation of the fundamental right to good administration in Article 41 of the European Charter of Fundamental Rights. Specifically, the ad hoc design and operation of the EU Disinformation Review fails to ensure the review acts "impartially, fairly and within a reasonable time."First, publications are not provided with the right to be heard or proper notice. The EU Disinformation Review's homepage offers an opportunity to contact the Task Force report a suspected mistake in a fact-check but the page is only available in English, in violation of the principle of multilingualism, and no notice if given to outlets accused of being "disinforming outlets" before or after fact-checks of their content are published.Second, the EEAS does not fulfil its duty to motivate. EEAS is given a broad margin of discretion to identify disinformation, but fails to do so according to a consistent methodology. Therefore, EEAS cannot justify, on the basis of objective criteria, its choice of which content to review and how to determine its truth or falsehood.To comply with EU law and ensure the respect of fundamental rights, the EEAS should develop and make public (1) a methodology for selecting partnerships and reviewing fact-checks in line with international standards and (2) a notice and response mechanism for journalists, publishers and citizens whose content is being reviewed. If EEAS is unable to comply with the above, the EU Disinformation Review should be shut down.
Mots clés : Fake news, EU Law, European Ombudsman, Access to Information, Transparency


text: Now days, nursing homes requires up gradation for facing all the challenges come in a way. Our ICU Beds are one such product that is used for offering high level of comfort to the patients in intensive care. ĀThe beds are specially designed for hospitalized patients and featured with comfort and well being. These come with adjustable height for easy accessibility and also allow the doctors to see the patients without any trouble. Clients can purchase these ICU Beds from us in different sizes as per demands.

subset: commoncrawl


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Colour your Life
>> Friday, May 23, 2008
Sponsored Links
Don't you know that colors could do wonders to your day? Makeover your day with color therapy. Anne Dawe, director of Colour Power products suggests that "each color has its own healing power, which works with your body to enhance mood". Here's how...
Favorite Color: Violet
*You are Dreamy and emotional.
*Use it to Meditate; clear your head.
*Why? It boosts your creativity and helps you to trust your intuition
Favorite Color: Green
*You are Balanced and loving.
*Use it to Be compassionate.
*Why? It relieves tension.
Favorite Color: Yellow
*You are Warm natured and happy.
*Use it to Energize; gain confidence.
*Why? It uplifts your body, stimulates mental activity and clarifies thought.
Favorite Color: Red
*You are Passionate and excitable.
*Use it to Fight fatigue and anxiety.
*Why? It gets your pulse racing, and you feel energized and self assured.
Favorite Color: Blue
*You are Cool and confident.
*Use it to Promote self-expression.
*Why? It calms and pacifies the nervous system, by lowering your blood pressure, and relaxes you.
But of course if it doesn't work I would suggest what I do every morning. To start my day right I pray for God's guidance and blessings for that day. It helps also to have a positive outlook in life all the time.


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I have been talking to Leader Bikes for a while now and wanted to build a track bike. Finally got the chance to get everything I needed and now here is my finished build. Bike rides and looks very nice love it. Thanks lots to Leader bikes and Palms Cycle for hooking me up with stuff I needed. Really appreciate it.
Frame: Leader Bikes 735TR
Fork: Leader 105 TR
Bars: Nitto Drop bars
Stem: Leader Plisken
Headset: Fsa
Wheels: Alex X Leader rims.
Hubs: Leader Cyclone
Cranks: Sram Omnium 48t
Pedals: Primo Plastic
Straps: Michael Chacon Hold Fast


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Preventing accidental injury to children 14 years old & below
While searching travel tips and ideas for kids (or making it safe for kids to travel), I stumbled upon this site from a Universtiy of Kentucky News article. What's amazing is that they have a Philippine affiliate site. Safe Kids Worldwide is the first and only international nonprofit organization dedicated solely to preventing unintentional childhood injury. Safe Kids Worldwide depends on the support of grass roots networks in its 17 member countries to implement safety programs and hands-on training throughout the world (where the Philippines is a member country).
Safe Kids Philippines (SKP) initially began in 1993 from the academic research on child unintentional injury by Dr. Ramon Arcadio. SKP was formally organized in 2004 but has existed in the Philippines since 2003 as a project of the Community Oriented Medical Education (COME) Unit of the University of the Philippines in Manila . This first venture into injury prevention was conducted by the Barangay Health Workers of Pasay City.
Click on the picture above to go to the main Safe Kids Worldwide site or this link to go to Safe Kids Philippines site.


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This week, I'm in love with Neko Case's new album, "Middle Cyclone." (It should read 4.5 out of 5 stars.)
Becca Lesser and I "Conquer the Kitchen" with a tasty, and potent, Baileys Chocolate Mousse Pie. (Sadly, I had no time to make the crust, but I did make the whipped cream from scratch.)
I offer a shorthand guide of place for good pub grub on University Avenue and Fourth Avenue. I won't be making friends with The Auld Dubliner or Gentle Ben's anytime soon. Then again, I doubt they even noticed me there unless I had a pint in hand. (Note: I don't drink.)
I contribute to this week's Mix, which is in honor of St. Patrick's Day and Irish performers. I recommend The Pogues' "Transmetropolitan" and Dexys Midnight Runners' "Jackie Wilson Said" and "Let's Make This Precious."
And now, spring break!
Tags: journalism, criticism, reviews, video, food, music, cooking
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The staff and faculty at Palmer High School gave Western Mass News' Morning Message on Monday, October 2.
Online Public File
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The quest for "The Perfect Peanut Butter Muffin" has ended, and I am thrilled to share this fabulous recipe with you.
If you have any peanut butter fans in your home, you simply MUST make these wonderful little gems. They are super moist, and possibly even better after they have been around for a day. This is passing awesome if you are a super busy mom, like me!!!
The male populace here has not complained about all the test tasting, as I searched for Peanut Butter Perfection.
Peanut Butter does not happen to be one of my favorite ingredients, but in this home I am out numbered 5 to 1.
EVERYONE else (and I mean every single person, even down to the little Itty Bitty) adores peanut butter.
The concept of a Peanut Butter Muffin is lovely because it packs some extra protein and nutrients and makes it perfect for a quick breakfast. I was amazed how hard it was to actually fill all my requirements and come up with a truly wonderful muffin.
My requirements include:
- Freshly ground, Whole Grains
- Raw Sweetener
- Natural Peanut Butter
- Healthy Oils/Fats
I made more than a few muffins.
- Too dense.
- Too dry.
- Too crumbly
Like these peanut butter muffins pictured below.
Uggh! they look exactly as crumbly as they were. But they were not wasted. The men just poured milk on them and asked for more.
I finally created my own recipe, an adaptation/combinatioin of several recipes that I found online. The hardest part was the whole grains which tended, when combined with the peanut butter, to make the muffin dry and crumbly. These are most certainly anything but dry, and even I (the non-peanut butter fan) will eat one of these muffins with pleasure.
If you are struck with the unaccountable urge for some peanut butter in you life.. These muffins just might be what your looking for.
Perfect Peanut Butter Muffins
In a large bowl combine:
- 1 1/2 cups freshly milled Whole Wheat Flour - (preferably soft white wheat, finely ground a.k.a. Pastry Flour)
- 1 cup unbleached white flour
- 1 tsp. baking soda
- 2 tsp. cream of tartar
- 1/2 tsp Sea Salt or Real Salt
- 1 1/2 c. Raw Sugar (Demerara, Turbinado, or Sucanat), Brown Sugar could be substituted.
In another medium sized bowl wisk together:
- 1/2 cup applesauce -( I may try adding 1/2 cup of mashed banana and see how that works)
- 1/2 cup oil (coconut/ sunflower/or palm oil) or whatever you normally use.
- 1 cup All Natural Peanut Butter - crunchy peanut butter is nice, but smooth is fine
- 2 eggs -Free Range is my choice, naturally
- 1 1/2 cups Raw Milk (we use our own fresh goat milk)
- 1 tsp Pure Vanilla Extract
Make an indentation in the flour bowl and pour in the wet ingredients and if desired add:
- 1 cup mini choc chips (optional)
Gently stir both mixtures together just until combined, using a gentle folding motion. Do NOT over stir, or your muffin crumb will be dryer and more crumbly.
Spoon into muffin tins that have been sprayed with non-stick spray or lined with cupcake papers. An icecream scoop works nicely for even proportions. This is exactly the right amount of batter for 24 muffins. These muffins do not rise as much as some muffins and you need not be alarmed at the rather full tins.
Bake at 350 until set, which I believe is about 20 min but I will be honest and tell you that I have yet to time them. I am so sorry. I Always forget to time and just check them "at the right time". So maybe set your timer for 15 min and then keep checking them until they are set and no longer soft in the center. Then do me a favor and leave a comment and let me know how long that was for you. Grins.
If you like peanut butter, you might also love Peanut Butter Granola Clusters.


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If I use custom VCO, the Phase noise section is not getting read - report is blank in the noise section.
If I try using a library VCO, it doesn't work. I created a VCO in "VCO library editor" made sure that the ranges were correct - Tuning graph is correct, but simulatipon will not accept the VCO even though the required range is smaller than the VCO range.


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MANCELONA, Mich. – When state and federal environmental officials visited this tucked-away town 15 years ago, their presence surprised local residents."My heart and most of my life has been spent here in Antrim County," said Gary Knapp, a long-time resident. "And I knew nothing of its environmental problems."While removing metal contamination from local groundwater, officials had stumbled upon one of the nation's largest plumes of an industrial solvent called trichloroethylene, or TCE. Drinking-water wells tap into this aquifer, so the state asked the town's help in preventing the chemical from flowing out of people's taps."People were helpless, frustrated and angry," said Knapp, who was recruited by the state to start a regional water authority.
"Someone who does not know the difference between good and evil is worth nothing." – Miecyslaw Kasprzyk, Polish rescuer of Jews during the Holocaust, New York Times, Jan. 30, 2005
Thursday, January 21, 2016
Carcinogenic Chemical Spreads Beneath American Town Mancelona, Mich., suffers from one of the nation's largest plumes of an industrial solvent called trichloroethylene
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Ruth, who's always had a grasp of the latest, cutting edge information on psychology and health, has been spending the past couple years learning how to make better use of the internet to teach and disseminate content (and monetize it, too, let's not forget). She's particularly pumped about this video series. She wrote me just last week,
Click here to check out this first video on the art and science of bloggery, and to find the subsequent ones she's put together. It'll give a lot of people the kick-start and the support they've been looking for to get the ball rolling.I'm told we got a really nice shout-out for our guided imagery for moms-to-be, Healthy Pregnancy & Successful Childbirth, at a baby shower site. So thank you to them. It's good to see guided imagery being recommended for pregnancy and delivery - the huge hormone shifts that go on during those times (not to mention lactation) make it an ideal, trancey time to get the maximum benefit out of a technique that's basically immersive and hypnotic.
And big thanks as well to the Weight Loss Doctor for recommending guided imagery as a powerful tool for releasing unhealthy weight.
And in a clever, poignant blog that's been tongue-in-cheek named Another Damn Development Opportunity: Maggie's Cancer Adventure (I love that title), the plucky Maggie describes the preparation and research she's been doing to prepare for surgery and radiation, and talks about how guided imagery has been really helpful to her in all of this. An obviously smart, resourceful, can-do kind of woman, she writes,
Anyway, cheers and Godspeed to Maggie!
And, speaking of cancer, here's a reminder to those of you within spitting distance of Knoxville TN, that The Wellness Community there will be hosting an all-day cancer survivorship extravaganza to celebrate 20 years of doing great things for people touched by cancer - patients, families and health professionals. Jeremy Geffen will be speaking there, as will I, and several other people with something useful to say. Click here to check out the whole program and find out how to register.
OK, take care and be well.
All best,


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No able-bodied person will ever have an excuse to be lazy again. Everyone has had instances of sloth, or not wanting to do anything for no good reason.
Rene Ayala, a Weslaco, Texas resident, will make even the most motivated among us think we aren't doing enough. The 45-year-old man is being applauded for his indomitable spirit.
Ayala ran into some bad luck earlier in his life, and was left wheelchair bound ever since. Nothing comes easy as a result of the accident, but he said he's always been the kind to take on challenges head-on.
That determination is making the rounds on social media, and people are stunned by the ingenuity and effort Ayala has put towards carrying his own weight.
Rene Ayala was in an apartment fire when he was 23 years old. It left him with severe burns and resulted in amputation of all his limbs.
As a young man, Ayala was a local sports hero. He was the star of his football team, leading the Mercedes High School to a district title as their starting running back.
Ayala graduated from high school in 1991, and four years later, was caught in a gas blast that left him permanently disabled. But he hasn't let that hold him back.
"I just took it as '(expletive) happens' you know? That's the way I saw it," he said to reporters from KENS5 News.
Since then, Ayala has been raising a family, coaching at his alma mater, and tending to his 10-acre property. But when he lost his job and was short on cash, his riding lawnmower broke down.
Rather than let the property be overrun with weeds, Ayala improvised.
Ayala has managed to live a normal life and raise a family, despite the accident. When his riding lawnmower broke down, he solved the problem himself.
Rather than ask for a handout, which no one would have faulted him for, he resolved the problem on his own. He strapped a regular, push lawnmower to the back of his power wheelchair and pulled it behind him.
Ayala's nephew recorded a video of his uncle mowing the grass, and posted it to Facebook.
The video started getting a lot of attention, and before long, a man whom Ayala had never met set up a GoFundMe campaign to buy him a new lawnmower.
"A lot of people have asked me if Rene knew about this fundraiser before it launched. The answer is no. I've never met Mr. Ayala," the GoFundMe page reads.
The original goal was $1,500, but after less than a month, the campaign had raised $4,701. The fundraiser remains active and eligible to receive donations.
After seeing the video, someone Ayala didn't know started a fundraiser, drumming up enough funds to buy him a new riding lawnmower.
Ayala was caught off guard by everything that total strangers were doing for him. Part of him still can't believe it's real, but he is incredibly thankful.
"I can't thank these people enough for what they did," he said.
Even after tragedy, Ayala manages to focus on the positive.
"God gave me the biggest blessing I could ever ask for," he said. "The Ayala name is still going on. You know, it doesn't stop with me."
I can sure use a riding lawnmower or a tractor because my wheelchair is really taking a beating… can't say I don't do nothing
Posted by Rene Ayala on Wednesday, December 13, 2017


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This red Erotic Mesh Set comes with adjustable garters, string and stockings. Size: Large To Xtra Large (UK 12 to 14). Please refer to Sizing Chart in the right panel for more information.
Home :: Sexy Lingerie :: Hosiery :: Stockings :: Erotic Mesh Set Red (Large To Xtra Large)


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Sleep Health Assessment
Why You Should Take This Assessment
Everyone needs to get a good night's rest on a regular basis. Without it, you feel tired the next day and can't perform daily tasks as well. Getting too little sleep for weeks or months increases the risk for automobile accidents and work-related injury (especially if you work in a dangerous job).
Sleep requirements vary from person to person, but an average adult needs about 7 to 9 hours of sleep each night, and children need even more. About 40% of adults get less than 7 hours of sleep a night.
Unfortunately, very few people with sleep difficulties talk to their doctors about it. If you have a sleep disturbance, it may represent an underlying medical or psychological problem that can be solved. And, if you get proper help for a sleep disorder, you may be more productive, happier, and healthier.
Take this assessment to see if you have a disturbed sleep pattern. The answers here will help you understand what might cause your sleep problems and offer suggestions for how to get more rest.
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Matthew 12:25-30 English Standard Version Anglicised (ESVUK)
25 Knowing their thoughts, he said to them, "Every kingdom divided against itself is laid waste, and no city or house divided against itself will stand. 26 And if Satan casts out Satan, he is divided against himself. How then will his kingdom stand? 27 And if I cast out demons by Beelzebul, by whom do your sons cast them out? Therefore they will be your judges. 28 But if it is by the Spirit of God that I cast out demons, then the kingdom of God has come upon you. 29 Or how can someone enter a strong man's house and plunder his goods, unless he first binds the strong man? Then indeed he may plunder his house. 30 Whoever is not with me is against me, and whoever does not gather with me scatters.
English Standard Version Anglicised (ESVUK)
The Holy Bible, English Standard Version Copyright © 2001 by Crossway Bibles, a division of Good News Publishers.
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Live Blogging, anyone?
Has anyone out there ever done any "Live Blogging"?
I'm headed to Atlanta this weekend with 120 guys from the Nashville area on two buses for a Promise Keepers conference and was examining the challenges and logistics.
As one of two assigned photographers, I'm budgeting 900 photos per 1 gig SD card.
At least a photoblog or Flickr set is done.
The upside is that I'll have plenty of content to use iDVD on the Mac to generate some really neat presentations set to music.
Back to live blogging - Obviously having a laptop or wifi device like my Palm LifeDrive is needed...
Is it a pain to do?
Is it like doing a play by play except I'm typing and shooting photos?
Is is too much like being a newshound / cub reporter?
I recall Six Meat Buffet liveblogging a yard sale, which was kind of a novelty.
And Engadget liveblogged the Steve Jobs keynote at MacWorld 2006.
Except they had a crew: "We've got our crack team on the case: Engadget keynote sharpshooter and bestest buddy Paul Boutin on keys, Editor-in-Chief Peter Rojas and Engadget Splunker Patrick McGovern, Jr. on snaps, and Managing Editor Ryan Block editing and posting."
I need a crew. But that's not the VJ way.
Does anyone care?
Do I care?
It's 1:00 am - so why am I'm even thinking about this when I got to buy a hot water heater in the morning, meet some bloggers at the Mothership BBQ for the Thursday BBQ support group (11:30 - join us), install the heater, pack and head out for a mini party later in the evening.
Good night.


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Take a look at this fine derrier phallus licking whore Yuu Aoki, she is so fucking cute that any guy would wanna bone her in the mouth like there is no tomorrow and that is exactly what you'll be seeing here! The slut gets stuffed in the face and ends up getting nailed doggystyle!» Click Here to Download the full video «
Added July 11, 2018 at 1:47 am
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The 44th American President
President Barack Obama Inauguration Day January 20, 2009
FOX MOVIES channel was celebrating her own way, by showing movies like: The American President & Malcolm X...
What changes do you expect? Do you like Obama?
First, I am sorry that I have only really just truly discovered your gentle-spirited blog, after all these years... sorry to have missed you.
Second, I have enjoyed some of your old posts very much :) How is the fig tree doing? I love figs too like crazy, especially when they are a deep blue purple color and a velvety deep red inside. I love fig jam even more. It's the treat a dear friend (Sheba) and I enjoy whenever we have a chance to brunch at our favorite Cafe Blanc (highly recommended).
Third, Changes I expect with Obama as president. Hmm... newfound HOPE, REASON and above all SANITY, LEVEL-HEADEDNESS and a far more transparent honesty in US policy and behavior, in spite of how troubled and difficult things are for people in the US at the moment. There is a new feeling in the air with him and his lovely family in the White House. It is a sign that times are changing and we are coming out of the dark and frightening period we just went through, since the year 2000. I know that the seeds of hope and faith are growing ever so quietly and nicely in my heart. My ability to see that life goes on to new and different stages and places which have their own beauty and deep meaning as well as their own difficult and hard things, has been growing ever so slowly and gently, but it is there and I am nurturing it gladly.
It is wonderful to feel hopeful again, wonderful to feel that even in times of great difficulty and despair, there is so much good. That there is grace and dignity, honesty and truth hovering around....
And that to me, is the most important change President Obama has already made - the little budding changes in hearts and minds.
Ms. Baker
Welcome here.
fig tree is doing well so far, of course i only tried one of its 2figs, but they say it will grow more next year.
i know that fig jam in Cafe Blanc, don't worry i wouldn't have missed it.
hope of change in USA: when will we have hope in change in Kuwait?


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2017 McConaghy MC50
Call for Price
Hamble, United Kingdom
- Description
- View Full Specifications
- Year:
- 2017
- Length:
- 50'
- Engine/Fuel Type:
- Twin / diesel
- Located In:
- Hamble, United Kingdom
- Hull Material:
- Other
- 50289-2939492
- Call for Price
Designed to be a spacious and safe yet fast, long-distance cruiser, the MC50 CAT is an extraordinary new multihull crammed full of technical innovations. With McConaghy and its associates being at the very forefront of high-modulus race yacht and superyacht construction, every new piece of technology has been designed and perfected in-house and this ground-breaking catamaran is certain to impress.
Please contact at +44 (0)23 8045 0005
Additional Specs, Equipment and Information:
Flag of Registry: United Kingdom
Keel: Centerboard
Hull Shape: Other
LOA: 50 ft 0 in
Beam: 26 ft 3 in
Maximum Draft: 3 ft 3 in
Engine 1:
Engine Type: Inboard
Engine/Fuel Type: Diesel
Engine 2:
Engine Type: Inboard
Engine/Fuel Type: Diesel
Number of cabins: 3
Details coming soon
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Heart Of Darkness by Joseph Conrad; ebookFree
This 1902 novella depicts the contrast and tension between the veneer of civilization and the barbarism and primitiveness of the jungle. The book reader software includes full text search, table of contents, and variable font sizes. ...
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It was a beautiful spring day here at Falling Downs. A little cool, but clear and lots of sunshine. It was the kind of day that makes you feel you'll be young forever.
I appreciate those days more than I used to. In fact, the older I get, I find I pretty much appreciate damned near everything more than I used to. Whoever it was that said "youth is wasted on the young" pretty much nailed it.
At thirty you tend to be anxious about shit like your job isn't working out, or your marriage isn't working out, or blah blah blah...
There's always something.
At sixty, if you can drag your ass out of bed in the morning without assistance, and eat and shit without assistance, well.... high five!
So I thought I'd take advantage of the fine weather and bring in a little wood for next winter. I've been going back and forth between the Poulan and the Stihl recently, mainly because I went through a spell where I incorrectly concluded the Stihl was pooched.
That was back in February, when I was desperately trying to keep ahead of the yawning appetite of the wood furnace, due to my showdown with the bitch at xxxx Fuel Supply Company who had insisted that I provide a current certificate of compliance for the oil furnace. By the way, I think I won that round. It's late April and we got through the worst winter in forever without a drop of furnace oil, and nobody froze to death.
But the experience did make us highly chain-saw dependant.
Therefore I pretty much had a panic attack the night I couldn't get the Stihl to fire up. Felt like there was no compression, and based on past experiences that generally means only one thing.
Time for a new chain-saw.
Or, time to fire up the Poulan.
I'm out in the garage in forty below rooting around for the Poulan, which hasn't been used for a couple years. Top her up with gas, prime that stupid little bulb five times (and it's amazing how they can make plastics that don't freeze solid at forty below) and by god if she didn't fire right up!
So the much maligned Poulan became the main saw around here for awhile, while at the back of my mind I toyed with the inevitability of taking the Stihl in for a professional diagnosis. I knew the news could only be bad, so I kept putting that off the way you put off taking a favourite hound to the vet when you know the diagnosis can only be bad.
Well, the day came when I felt I couldn't put it off any longer. Just before I put her in the truck for her last trip, I thought I'd give her one last try. On principle. Just to say I did everything I could.
Well, fuck me, she fired right up!
Due to the fact that the Poulan had filled in admirably in the absence of the Stihl, I didn't want to discard her entirely, so I've been going back and forth between the two recently. You want to avoid jealousy between the saws, after all.
Which is how I came to be clearing the south-west corner of the north-east woodlot this afternoon, right there above the bridge by Indian Creek. It's only good manners and good woodlot management to burn off the branches and whatnot that won't be firewood, so while I was falling and cutting and loading the truck I simultaneously had a good burn going.
Unlike in some years past, today's burn did not require the intervention of the township fire department, and I was thankful for that. I'm sure they were too.
There's something about spending a day in the fresh air that really makes you appreciate life. The day will come, all too soon, when I'll be warehoused in a "home."
There'll be no more walking the hounds.
No more dropping forty foot elms and hoping they don't land on the truck.
No more truck.
No more chainsaws.
Maybe I should be pro-active.
Maybe I should start up a "home" for folks who aren't ready to fade off quietly into that forever night.
Introducing the Gateway to Heavenly Downs.
Bring your hounds...
Our staff are specially trained in the care and maintenance of chainsaws.
We've got a garden plot round the back where you can grow what you will with the assistance of our highly trained Jamaican herbalists.
And if you and the 85 year old hottie in the next room want to spend some quality oinky-boinky time together, hey, that's your business, not ours.
And every April, we'll celebrate the turn of the seasons with a honkin' huge Heavenly Downs Fire-Department-invited-in-advance grass fire!
See ya soon!


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27 July 2014 07:14
Midfielder Adam Lallana will not be rushed back from a knee injury ahead of schedule, according to Liverpool manager Brendan Rodgers.
Liverpool were dealt a major blow when it was confirmed Lallana – a £23million signing from Southampton – sustained lateral collateral ligament damage during a training session in the United States.
Lallana is expected to miss up to six weeks, putting him in doubt for Liverpool's first three games of the Premier League season against his former club, champions Manchester City and Tottenham.
But speaking ahead of Sunday's International Champions Cup fixture against Olympiacos in Chicago, Rodgers told reporters the England international would be given time to recover.
"Of course it was very disappointing – it's probably going to be four to six weeks," Rodgers said at a media conference from Soldier Field in Chicago.
"He has looked fantastic in training; it was just a very simple exercise with no pressure. The medical team are looking closely at that at the moment.
"We're hopeful that he'll come back fairly quickly but there's no rush. He's a fantastic player, we just need to get him back fit and well because it's a long season."
Lallana is not the only new player to arrive at Anfield ahead of Liverpool's return to the UEFA Champions League in 2014-15.
Lazar Markovic, Emre Can and Rickie Lambert now call the red part of Merseyside home, and Liverpool are expected to add further signings before the transfer window closes.
Loic Remy, Dejan Lovren and Divock Origi are reportedly close to sealing moves to the club but Rodgers refused to shed any light on impending arrivals.
"There has been an awful lot of work that has gone on into finding players that are suitable and are going to come in and help the club progress," said Rodgers.
"But like I've always said, I'll never comment on players until they're signed and sealed – I can talk all day about them then."


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Biocatalysis at 90 o C in Microemulsions using Crosslinked Enzyme-Polylysine Films
Rusling, James F
Kumar, Challa V
Guto, Peterson M
MetadataShow full item record
Biocatalysis is expected to play a significant role in future industrial processes, especially in regio- and stereoselective syntheses. 1 Concerted effort has been directed toward discovering en zymes that operate at high temperatures to improve cat alytic efficiency, including isolation from thermophilic bacteria, chemical modification, directed evolution, 2 and immobilization on specialized solid supports. 3 Nevertheless, thermophilic biocatalysts are rarely usable at temperatures above 60 or 70 o C. This paper discusses redox enzymes crosslinked into a poly-L-lysine (PLL) matrix attached to carboxylated surfaces that provides th ermostable films designed for biocatalysis in microemuslions at 90 o C.


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All Island. All the Time.
Thursday, January 16, 2014
Article in Englewood Sun re. Fire Service
Englewood reassessing island fire service
By STEVE REILLY,
Since 2011, the Englewood Area Fire Control District has provided fire protection to the bridgeless Don Pedro and Knight islands.
Both the fire district and islanders are rethinking whether they want to continue with the fire district at a higher cost. The property owners do have the option of having Charlotte County provide fire protection.
Island homeowners could see a $300 increase to their assessments if they stay with the fire district.
Island resident Bill Peterson told
Englewood fire commissioners Wednesday that islanders intend to hold meetings to decide whether they want Englewood or Charlotte County to provide fire protection.
"It's strictly a budget issue," Peterson said. At a recent meeting of islanders and fire district officials, he said, "The 60 people said they preferred to stay with the Englewood fire district. They are pleased with the service and want to stay with the fire district."
A decision must be reached by April 1, giving the county time to formalize its assessments to islanders.
The issue of fire service to the islands first arose after the island's
volunteer department
— which had provided island fire protection for decades — folded in 2011.
Islanders pay for their fire protection through a county municipal service benefit unit. The islanders now are assessed $140.57 per residential unit, 20 cents per square foot for commercial properties, $54.47 for vacant lots, and $11.81 for other undeveloped properties.
In 2011, Charlotte County proposed manning the island station 24/7 with paid firefighters. At that time, the county proposed assessing property owners $511.88 per residential unit, and 42 cents per square foot for commercial properties.
To date, the fire district has provided daytime fire service from the mainland stations, depending upon the island's ferries, and after-hour service with volunteer firefighters stationed on the island.
Fire commissioners no longer feel it's prudent to provide fire-protection services without having professional firefighters on the island 24/7.
"We have to think of worst-case scenarios," Fire Commissioner Ron Davison said, particularly concerned with having an unmanned fire station during the daytime hours and the time it takes to ferry firefighters to the island.
"I want (the fire district) to give
100 percent, no matter what situation comes up," he said.
Englewood Fire Chief Scott Lane proposed a $1.2 million budget for staffing the island with six firefighters, two for each shift, and for additional capital improvements — remodeling the island station and replacing a fire vehicle.
Lane hasn't finalized what the assessments will be, but preliminary figures suggested the islanders might pay
$468.29 per residential unit, 53 cents per square foot for commercial, and $95 for vacant lots. He expects to finalize the proposed assessments, based upon an accurate count of island parcels, within the next two weeks.
Lane also stressed Wednesday that whatever the costs, mainland fire district ratepayers will not be affected, and will not bear any of the costs for island service.
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Sunday, June 19, 2011
Testimonial From our Valued Customer Dave & Janet_Singapore
(Hi Janet & Dave, Thanks for support!! )
Dear Filmman:
"Yeo was the videographer assigned to us. We were very happy with the service provided. The team of 3 arrived early on the wedding day. They are very professional and know exactly what they want to film. They asked for the bridal shoes, gow...n, etc, and started to film. They did not complain or rush to go off when the morning session was delayed.
They arrived early for the evening event as well. The highlights is simply awesome! A lot of my friends actually asked for the contacts for their own future use. The team did not rush to leave as well at the end of the dinner. They stayed till the guests left before leaving for the day. Great job!!!"
WD: 10April2011
Dave & Janet
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Green Coffee Bean Extract
Cellular support
Supports normal blood sugar levels
Weight management
Name:Green Coffee P.E. 50%
Assay: > 50% Chlorogenic Acid
Caffeine: br>
Green Coffee Bean Extract
Unlike the coffee beverage made from roasted ground coffee beans, Green Coffee (Coffea robusta) comes from unroasted coffee beans.
Coffee naturally contains a variety of compounds including chlorogenic acids and melanoidins which display antioxidant properties. The chlorogenic acids present in unroasted green coffee beans are known to promote cellular health and support healthy blood sugar levels. Green coffee also aids in weight management by helping promote fat-burning.
Name:Green Coffee P.E. 50%
Assay: > 50% Chlorogenic Acid
Caffeine: <1% and 5%-8%
Part used: Coffee Bean
APprance: Yellow to brown powder
Solubility: Soluble
Grade:Food Grade and Pharm Grade
Extraction/Drying Method: Spray Drying
Health Function:
Green coffee bean can be a string Antioxidant
Green coffee bean extract with Cellular support
Green coffee bean extract Supports normal blood sugar levels
Green coffee bean extract Weight management
Applications of Green Coffee Bean Extract
Functional foods
Functional beverages
Dietary supplements
Functional foods
Functional beverages
Sports Nutrition


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Welcome to the unofficial blog of Our Savior's Lutheran Church in San Clemente. Unofficial--because while I am the pastor at OSLC, the reality is that all of us are part of the priesthood of all believers, so while I might get a more prominent voice, as per my vocation, OSLC is far too complex to be understood simply through the musings of it's pastor. TO RECEIVE VIA EMAIL fill in the window on the Web Version below.(Not visible on Mobile version).
Thursday, October 20, 2011
Thursday October 20, John 11.1-44
11Now a certain man was ill, Lazarus of Bethany, the village of Mary and her sister Martha. 2Mary was the one who anointed the Lord with perfume and wiped his feet with her hair; her brother Lazarus was ill. 3So the sisters sent a message to Jesus, "Lord, he whom you love is ill." 4But when Jesus heard it, he said, "This illness does not lead to death; rather it is for God's glory, so that the Son of God may be glorified through it." 5Accordingly, though Jesus loved Martha and her sister and Lazarus, 6after having heard that Lazarus was ill, he stayed two days longer in the place where he was. 7Then after this he said to the disciples, "Let us go to Judea again." 8The disciples said to him, "Rabbi, the Jews were just now trying to stone you, and are you going there again?" 9Jesus answered, "Are there not twelve hours of daylight? Those who walk during the day do not stumble, because they see the light of this world. 10But those who walk at night stumble, because the light is not in them." 11After saying this, he told them, "Our friend Lazarus has fallen asleep, but I am going there to awaken him." 12The disciples said to him, "Lord, if he has fallen asleep, he will be all right." 13Jesus, however, had been speaking about his death, but they thought that he was referring merely to sleep. 14Then Jesus told them plainly, "Lazarus is dead. 15For your sake I am glad I was not there, so that you may believe. But let us go to him." 16Thomas, who was called the Twin, said to his fellow disciples, "Let us also go, that we may die with him."
17When Jesus arrived, he found that Lazarus had already been in the tomb four days. 18Now Bethany was near Jerusalem, some two miles away, 19and many of the Jews had come to Martha and Mary to console them about their brother. 20When Martha heard that Jesus was coming, she went and met him, while Mary stayed at home. 21Martha said to Jesus, "Lord, if you had been here, my brother would not have died. 22But even now I know that God will give you whatever you ask of him." 23Jesus said to her, "Your brother will rise again." 24Martha said to him, "I know that he will rise again in the resurrection on the last day." 25Jesus said to her, "I am the resurrection and the life. Those who believe in me, even though they die, will live, 26and everyone who lives and believes in me will never die. Do you believe this?" 27She said to him, "Yes, Lord, I believe that you are the Messiah, the Son of God, the one coming into the world." 28When she had said this, she went back and called her sister Mary, and told her privately, "The Teacher is here and is calling for you." 29And when she heard it, she got up quickly and went to him. 30Now Jesus had not yet come to the village, but was still at the place where Martha had met him. 31The Jews who were with her in the house, consoling her, saw Mary get up quickly and go out. They followed her because they thought that she was going to the tomb to weep there. 32When Mary came where Jesus was and saw him, she knelt at his feet and said to him, "Lord, if you had been here, my brother would not have died."
33When Jesus saw her weeping, and the Jews who came with her also weeping, he was greatly disturbed in spirit and deeply moved. 34He said, "Where have you laid him?" They said to him, "Lord, come and see." 35Jesus began to weep. 36So the Jews said, "See how he loved him!" 37But some of them said, "Could not he who opened the eyes of the blind man have kept this man from dying?" 38Then Jesus, again greatly disturbed, came to the tomb. It was a cave, and a stone was lying against it. 39Jesus said, "Take away the stone." Martha, the sister of the dead man, said to him, "Lord, already there is a stench because he has been dead four days." 40Jesus said to her, "Did I not tell you that if you believed, you would see the glory of God?" 41So they took away the stone. And Jesus looked upward and said, "Father, I thank you for having heard me. 42I knew that you always hear me, but I have said this for the sake of the crowd standing here, so that they may believe that you sent me." 43When he had said this, he cried with a loud voice, "Lazarus, come out!" 44The dead man came out, his hands and feet bound with strips of cloth, and his face wrapped in a cloth. Jesus said to them, "Unbind him, and let him go."
Thoughts: This is one of my favorite stories in scripture. Many folks know this for it being the shortest verse in the King James version of the Bible: "Jesus wept." But there is much more here than just Bible trivia. First and foremost is the honest questions of both Martha and Mary. They are almost accusing when they say: "If you had been here." It is a variant of the age old question: why? Here it is coached in an offense, 'why didn't you come sooner,' but it still speaks to our knowledge that God can prevent such things, but often does not. That in and of itself is a mystery. But I also love the fact that Jesus is angry. Who is he angry at? It is death! It is death that has made him have rage like a stallion and allowed tears to fall down his face. Why? Jesus knows that death will be overcome, but he also sees and feels first hand the sting of death, the power of grief and the pain of losing someone--and Jesus got mad! This is also the 7th and final sign in John's gospel and it deliberately points us toward his own death and resurrection.
Questions: Do you think Martha and especially Mary were mad at Jesus for not coming sooner? Seeing here Jesus reaction to the death of his friend, does that help you in understanding your own times of grief and mourning?
Posted by Pastor Jeff at 12:02 PM
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Casamatic makes home buying easier. How do we do that? We learn about the home buyers using our home search tool, meaning we learn about what millennial home buyers are looking for in general.
We ask a series of questions before getting started with a user's home buying process. When they answer them, we learn about their favorite foods and activities, if schools are important, their ideal commute, what home and yard types they're looking for, and more.
These answers help us match buyers to their perfect home, and they also help us craft the Casamatic experience to be better for every user that comes to us. Curious about what we've learned over the past year? Here's what we've learned this year about millennial home buyers:
It probably isn't surprising that the millennial generation is looking for shorter commutes. We found that 90% of our users want to live close to their work place with an average commute of only 26 minutes. Among our Chicago users, 27% are looking to use public transportation versus driving.
We've noticed that on average, 51% of millennial home buyers using Casamatic prefer living in a small suburban area. Some cities still have a big chunk of millennials looking to live in the city, too. Chicago and Columbus see 35% of Casamatic users looking for a city home, and Phoenix and Nashville see 28% and 23%, respectively. It comes at no surprise that Charlotte and Raleigh residents are looking for larger spaces, each city seeing roughly 25% of millennial homebuyers looking for suburban homes with large yards.
Millennials are slowly moving into parenthood, meaning they're beginning to look for homes in decent school districts. On average, 38% of Casamatic users are checking off quality schools as an important factor in their neighborhood. Chicago and Phoenix buyers are even more serious about their schools, with 49% and 46%, respectively, requiring quality schools.
So we know where these young home buyers want to live, but what about their budgets? The average maximum budget for our 6 cities is $295,001, but of course home prices vary among cities. We see the highest budget in Chicago, with a max average of $376,602, and the lowest in Columbus at $258,723. With these budgets, Casamatic users are hoping to find homes with 2 or 3 bedrooms, and 1.5 bathrooms.
Ok, now onto the fun stuff. As mentioned above, Casamatic doesn't just ask about the basics like your budget and required home size. We also get to know you and what you like to do. A neighborhood isn't much fun without great restaurants to eat at or places to be on weekends (with or without the kids).
Casamatic's millennial users want to live near coffee shops, brunch spots, and breweries. Are we surprised at all? Among our users, the most preferred types of restaurants include American, Mexican, and Pizza joints. Sushi and Italian are trailing closely behind, and BBQ has an unsurprising spike in Charlotte.
We've seen that millennial home buyers want to live near nightlife, with an average of 75% of our users marking that activity as an important factor to their home location. They're also an artsy generation, with 50% saying that they'd like to live close to the arts. But of course, this generation is starting to have children, and 33% are looking to have kid-friendly activities in the neighborhood, too.
The information we've gathered on our users has led us to adjust our product to meet their needs, and has also allowed us to become better experts on this new generation of millennial home buyers. Curious about how we're getting this data, or want to learn more about some of the specifics? Comment below or contact us.
Click here to view and download the full infographic.
Want to learn about how you can provide the Casamatic home buying experience to your clients? Visit casamatic.com to request a demo!


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Don't Pimp My Jet
A Treasury official anonymously passes a message from POTUS to Citigroup about a plane it purchased two years ago: Don't.
I think I saw this in a movie once. Oh, yeah: Luca Brasi is quietly dispatched by the Don to carry a message to the Tattaglias: the Corleones won't help purchase Sollozzo's used Dassault Falcon. Such a thing looks bad on the front page of the NYT used to wrap the fish sent to Sonny telling him Luca's been killed in a double cross.
Sen. Charles Grassley (R-IA) demands, because letters from Senators are not requests, details from Microsoft about the company's plans to reduce its workforce by about 3,000 over 18 months, with particular detail about the citizenship and country-of-origin of those let go. The legal bills and workhours spent pushing paper to satisfy Sen. Busybody kills trees and jobs, jobs which Congress considers its proper role to protect (an act which, amazingly, actually destroys them, a post for another time).
This is how it works when Washington decides to run businesses (or gets to decide because, in Citi's case, it's the financier). Do this, don't do that. Keep it off the front page. Fire this guy, not that guy (how would Sen. G. know the comparative skill of one programmer over another and his relative contribution? Hint: he wouldn't). MSFT didn't even take any federal bailout cash.
Anyone else wonder how this ad hoc meddling affects risk-taking? Think Luca Brasi.
Posted by The Daily Pander
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Written by: Jon Scarr
The Madden competitive scene is fierce! Whether you are new to the Madden series, and Madden 18 is your first game, or if you are a seasoned veteran—I've put together a few tips that are sure to help you dominate in this years' game. Here are some Tips to help you dominate in Madden 18.
Join the Madden NFL 18 Showdown Series
First and foremost, know what your playstyle is. Some gamers like to run the ball, and if you like to run the ball, you need to scheme everything around that. That means finding a playbook that has runs, which you are comfortable with. Conversely, you need to find and use a team that best fits your playstyle.
If you love to pass the ball, play as the New England Patriots or the Green Bay Packers. Love to run the ball? Then use the Dallas Cowboys, they are one of the best running teams. Don't worry if other people trash-talk and tell you that you are only good because you are using a particular team.
Everyone has access to play as all the teams, more than likely they only reason they are complaining is because they are loosing.
The ability to manage the clock and your time is what separates the very best Madden 18 players from the greatest Madden 18 players. It's important that you pay attention to the field clock and manage it—if you do this, you will take your game to the next level.
To better convey what I am talking about let's take a look at a few examples. Let's say you have three minutes left in the game and your winning, don't try to do anything fancy. Run the ball and run the clock all the way down. You are playing to win the game, not to make friends.
Now, lets look at a different situation. Let's say you have three minutes left in the first half and you are up by three. You should be trying to make the last drive of the second half every time. Don't go out there with the mentality that you need to score as soon as possible, if the opportunity arises then go for it. In this situation, it would be perfect to score with less than 30 seconds left. If you score a touchdown, then you'll be up by ten and can start to milk the second half away.
Conversely, whenever you have the ball in the second half and there is less than four minutes on the clock, you should be trying your best to make it the last score of that half. Equally, if you have the ball in the last four minutes of the fourth quarter and you are up, you should be trying to hold the ball for the rest of the game.
My next tip at dominating in Madden 18 is to monitor your player's fatigue. Not a lot of people do this, yet it is very crucial—especially on offense. When you see your players starting to get yellow or red on the play call screen, sub them out immediately. If you don't sub out, the players will start fumbling the ball and running slower.
If you like to run the ball and your running back is getting tired, take him out for two or three plays and put his backup in. It's important that you don't keep forcing a player that is fatigued, a lot of bad things will happen.
Finally, my last tip to help you dominate in Madden 18 is learning how to scheme. You don't want to be calling random plays with no real reason or purpose. Instead, find a few formations that have multiple plays in them that you like. Then you will want to scheme them to make it hard for the defense.
For example, say you are in a shotgun formation that has a good shotgun run. You'll want to have plays that attack different areas of the field: at least one run play, and a play-action play. If you pull out the play-action, your opponent will assume you are running and it gives them another thing to think about. This is how you make it tough on the defense to defend you!
Join the Madden NFL 18 Showdown Series
Correspondingly, to dominate in Madden 18, you have to mix up your plays. Now I know you might have a few plays that you are really good with—you don't want to get stuck calling these plays ten times in a row. If you do that, your opponent with eventually catch on and start to lock you up. Sometimes, you need to be willing to take no gain—just for the sake of mixing it up.
Madden 18, Madden Tips, Tips and Tricks


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text: In an effort to engage a population of new lunar enthusiasts - the population between 18 and 35 - USRA collaborated with lunar scientists, educators, artists, and the public to develop a lunar education new media portal, MyMoon. Through MyMoon, the general public is invited to interact with lunar content that will inform them about NASA's lunar science research and missions, and engage them in future plans for lunar exploration and eventual habitation. The site was released in August 2009 and continues to offer new lunar science content, media exhibits, events, and opportunities for involvement. Through this portal USRA's Lunar and Planetary Institute produces Moon-themed webcasts and also hosts blogs featuring the Moon in science, art, literature, and the news, contests, and polls.


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Spanish ceramics are bright, colourful and beautifully designed, Spanish tapas really do need to be served in typically Spanish Tapas Bowls so a few days ago we paid a visit to a town called Purullena about an hours drive East of Granada. To say that the selection of Spanish ceramics was extensive is an understatement!
Every shape, every size, every colour from Granada and also other regions of Spain, each with their own regional influence and design. Good job we emptied the boot of the car before leaving... The village itself is famous for its ceramics and when you drive through you are met by ceramic shops on both sides of the road, open shops displaying every colour of Spain imaginable.
The day turned out to be very productive learning about different ceramic pieces and forging a few new business relationships with some small family operations who had been in the ceramic game for decades.
Next day was the photo shoot outside on the patio, following the visit to Purullena we have introduced 18 new ceramic lines, from regions including Granada, Jaen and Navarra. With worldwide shipping these ceramics are available to all so why not pop into the Spanish and take a look HERE


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We are about to go into what I like to call "the "Sag /Gemini" sectors"
Right now Saturn is still in Scorpio, the last few degrees. When the ruler of Capricorn goes in to the ruler of Sagittarius..change is profound and meaningful..true story!
The dark Moon in Gemini is awesome right now and highly critical and the full moon in the next few weeks will reflect all the hard work we've put in..
Why do I mention Capricorn? Because this creates some highlights for Cappy..my Cappy..
as well as everyone else..especially Gemini and Sagittarius..more on that later..
The Gemini thing with Capricorn is about being grateful for what you have right now because man, you have had a whole lot on your plate for a while now.
It was easy then cappy, simpler, yea?. Who am I kidding? It is never too easy. You wouldn't like it any other way, so it is what it is.
In the next few years Capricorn, Sag (The Archer) will change (all of us))in very big ways.
Capricorn will face some dark corners of her life and again and I say this all day, clean up your closets. This means that you even have to change your diet. Do not get stuck in old structures that do not fit your evolution. You health is more important than your ideals. Your child needs you more than your job does and I know that more and more, you know this!
You do not need all that stuff and it is time to move on from relationships or a diet that is not serving you.
it doesn't even matter that you have served your own needs beautifully and with gusto. It is that now, you must let go if some ideas and do the right thing for someone else's sake and yourself as well!
I say diet because the Gemini new moon in your sixth is perfect time to review and sort through your inner health and outer health..
For young Capricorn it may be more difficult because as we all know, cappy never had it easy..have we now?
My Moon is in Capricorn..I work hard and can see (suck on) the agony in life's pillars and shells of structures in people and events..
it hurts me sometimes because I expect complete loyalty and noble actions from people..and..myself!
Who am I? A High Priestess?
You bet your sweet ass, honey, I am!
The airy flow will continue and with Mars in Libra all summer and June will be a blast mentally for all of us.
I love you:)
All orders will go out today and I must say this;
I feel really good about my chosen profession(s)
I feel like I want to help the life and pulse of the world with helpful and meaningful measures:)
You too?
Join me in this thought for this day..
"I excel further and farther each day so that my "regression to the means" is still respectably high, each year, each day, my "normal" is excellence"


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French Beans is another favorite green vegetable often cooked as a sukhi sabji in India. It is healthy delicious variety which is often combined with everyone's everyday favorite vegetable potato, especially kids, as it is easy to coax them to eat greens that way. Atleast, this is how I started as a child.
This dish is fairly easy to cook like any other sukhi sabji with lots of coriander masala powder and dash of lemon.
- Preparation Time: 0
- Cooking Time: 10-15 min
- Recipe Level: Easy
- Serves 2
- Source: Mom
- Cuisine: North Indian
- 1 large potato
- ½ kg of french beans
- 1 tsp cooking oil
- 1 tsp cumin or jeera
- 1 tsp shredded ginger
- Pinch of haldi or turmeric
- 1 tsp red chilly powder
- 1½ tsp coriander powder
- Fresh cut lemon
- Salt to taste
- Chop french beans to small size and potatoes in cubes and keep aside
- In a kadhai, add oil followed by jeera.
- After jeera splutters, add ginger
- Now add potatoes to the kadhai.
- Once potatoes starts turning slight golden brown, add beans.
- Now add masala such as haldi, red chilly and coriander powder. Mix well
- Add salt and bit of lemon to the sabji. Mix well.
- Lid the kadhai and cook for another 10 min on slow burner until ready.
Aloo beans can be served hot with phulka, parantha or puri.
Mad Notes:
- Again instead of lemon, you may add amchur powder to get that chatpata taste
- Potatoes are added first as they take more time to cook compared to beans
- Cook french beans thoroughly. Best way is to lid the vessel while cooking. This ensures even cooking


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Sunday, April 24, 2016
The Allure of the WAAAAGH!
WAAAAAGH...and all that...
Orruks (previously Orcs) have always had a special place in my heart. It was an army I almost began my hobby with due to their comical and bestial nature. Look at the jolly guy above. He screams Warhammer to me in all the right ways.
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Ten years' ago, when I was almost thirty, a beautiful soul arrived to keep me, and the rest of the creatures at The House in the Middle of the Street, company. Little did we know then what a joy she would be, how much love she would give, and how much love she would elicit out of pretty much everyone and everything she met.
Kida, the black labrador, with a slight overbite and brown eyes that looked like Winnie the Pooh's. Kida, of seal descent, with her sleek black coat and predilection for water of any kind. Kida, with a heart so filled with love that it literally poured out of her in a steady stream for the next ten years that she blessed us with.
Each morning when I got up, she'd come rushing through, tail wagging, lamb-like bouncing, with sheer joy. Just at the fact that I was up. Each afternoon, when returning from work, she'd be waiting, tail wagging in the driveway, joyous at my return. And her joy was not limited to me only, it was with everybody that ever stayed here or visited here. Everybody. Or that she met in the street, or through the gate, or… you get the idea.
For a couple of years there was a young boy who went to school down the road who'd come past every day at lunchtime and chat to her at the gate. One day I was home from work and saw him. We invited him in, his name was Sage. He was about eight years' old and lived in a flat, so couldn't have a dog. He visited every day for a long while, coming in for a cooldrink and a chat with Kida, until he moved schools. Kida made friends easily.
She got lost only once in her life. I received a call from someone saying they'd found her in the road. It turned out we'd forgotten to close the gate, and she'd ambled two doors down to the house with two little girls and a pool. A pool! I offered to fetch her immediatey, but he said: "No, please let her stay the afternoon. The kids are having so much fun together. They're all swimming in the pool." She got invited over for play dates after that.
This morning I woke. I got up. There was no excited clip-clipping of her paws on the wooden floor, no excited tail wagging bashing against the door. My heart is broken. I made the decision yesterday to let her go. She was old and sick and tired. I wanted to keep her, to have her at my feet, always there, tail wagging, joy-inducing, love-overflowing, but I knew I had to let her go.
Hardest decision on earth.
This is her Stalkbook obituary:
My heart is broken, after making one of the hardest decisions I've ever had to make today: letting our beloved Kida, the Big Black Dog, go. She was old and struggling and incontinent and sore. She is no longer.
Farewell to the gentlest, kindest creature who loved everyone. From adult humans (even burglars), to children-with-fingers-sticking-in-her-ears-and-up-her-nose, to her own cats, BabyCat and Little Cat, to other cats, dogs, squirrels and butterflies.
And then water, of any description – from a muddy puddle, to anybody's pool and her favourite, the leiwater furrows and her pool in the Gats River next to the Karoo Lamb of Nieu Bethesda. Her somewhat shady ancestry (there was definitely an illicit affair between a great, great grandmother Labrador and a seal, anyone who saw her sleek seal fur and body can attest to that) showed clear-as-day with her pure, unadulterated water joy.
She only had vast quantities of love, for everything and everyone, as if her whole Labrador body was made solely of heart. I hope she felt as loved as she made us feel. She was SO loved.
The butterflies (and their shadows) may not miss her boundless, lamb-like jumping to catch them (as gently as she could) between her teeth, but the rest of us will. I'm devastated, but glad she's at peace.
R.I.P. darling Kida Chism, our angel-in-a-black-suit. 2001 – 2014 xxx


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Being an approved, yet anonymous, hacker is a new experience. The mission is to reveal the ease with which it is possible to access the wireless networks which companies set up. With a reporter in tow we tackled the high-rent areas of Sydney's lower north shore.
Thursday: I've been given a laptop and a GPS and asked to set them up for "war-driving". I've been lazy (as usual) and left it to the last moment to prepare. The equipment manufacturers don't want to be named, so let's say it's a high-end laptop with a built-in wireless LAN card. There's only one battery so we're going to have problems with charging it up. A car-kit would have been handy. I have a play around and find that the laptop has a LAN diagnostic utility that will scan for access points, which means the manufacturer actually provides the hacking tools. Within minutes I'm ready to go. I plug in the GPS to get the latitude and longitude coordinates displayed as well. It takes a while to get working, it's a problem with the laptop drivers, but after a bit of playing around it's working.
Friday: It's a pleasant morning for "war-driving" - actually I'm planning for some "war-walking" so I can enjoy the sunshine. I want to keep this legal, so we will only be scanning for wireless access points, but not actually intercepting traffic, breaking the encryption keys or accessing the LAN itself. The point is to demonstrate that (a) it's easy to find wireless access points and (b) although it's easy to protect them with encryption, a lot of organisations don't.
I pack the laptop and GPS in a fairly ordinary looking laptop bag and at 8.35am we're off for a walk around the block. Over coffee, we check the laptop - we've already got two access points, neither is encrypted. We're right next door to a major IT company and it's probably one of its access points. We finish our coffee and from 9.00 to 9.10 we find another three. The battery dies so it's back to the office to chargeup.
At 11.05am we start out again - this time we're driving around. Within two minutes we pick up our first access-point. We drive from St Leonards into North Sydney. In less than an hour, and a 5km radius, we have scanned 43 access points and only seven were encrypted.
The access points belong to large and small companies and a good many are IT companies.
Are wireless LANs a security problem?
The point of the exercise isn't to pretend that wireless LANs are a problem. There are several ways to secure them, including using the built-in encryption (WEP) or running a virtual private network (such as IPSec). These are basic security measures, but too often ignored.
Wireless LANs are amplifying an age-old security problem - not configuring an IT system appropriately. While this also applies for the wired Internet, wireless LANs allow a malicious hacker to monitor a LAN from anywhere close by.
Another problem is that wireless LANs are so easy to buy and install that anyone can do it - even the accountants, HR and marketing guys - and they do, often without the knowledge of the IT department, who otherwise maintain a secure system with firewalls stopping Internet access. Once the wireless access point is connected, these protective measures can be bypassed.
What can administrators do?
Any wireless access point needs to be installed securely. System administrators should be regularly checking for any wireless access points installed without permission. As we've shown - it's too easy for you and them.


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A swinging speakeasy full of life and flowing with alcohol
Most would have been a lot more lo-key but this i feel would have been less fun to create and why hide what your doing when you can just pay off the ones trying to find you ...
As for the size of the bar we want it to be of a decent size though we don't want to over do it and make something so large it becomes difficult to keep it full and create an atmosphere similar to something seen in the film noir genre.
We want to create somewhere you can visualize and picture the seedier side of life gathering to drown out sorrows and the high rollers throwing away there money and discussing there next hit.
we will also be drawing ideas from films such as Bugsy Malone http://www.youtube.com/watch?v=hNfB58oBjA0 and The Untouchables. Bugsy Malone is a key example as it features fat Sam's speakeasy which can be used as a refrencing point for out environment .
From these ideas and ideas of my group member i will try and come up with a layout and design which will fit with these philosophies and make it a convincing environment that people will hopefully believe and understand.


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Rock & Roll Cowgirl Women's Grey Indian Headdress Baseball Tee
Rock & Roll Cowgirl
- Rock & Roll Cowgirl Women's Grey Indian Headdress Baseball Tee
- Item # 2000219754
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Trapdoor Collector Discussion Board
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serial number where to find it on the 1884 model
Posted by Tony on Sunday, 31 May 2009, at 6:53 p.m.
My wife just found a model 1884 springfield at her mothers house after her mom passed away. Where do we look for the SN on the rifle? any ifno would help, Thanks T2
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