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Common Test
Price list
Don't see your test call for pricing
o Alanine Aminotransferase (ALT/SGPT) $29
o Aspartate Aminotransferase (AST/SGOT $29
o Basic Metabolic Panel (8) $49
o CA 125 $125
o C-Reactive Protein (CRP), Cardiac $39
o C-Reactive Protein (CRP), Quantitative $39
o Creatine Kinase (CK), Total, Serum $35
o Comprehensive Metabolic Profile (14) $39
o Complete Blood Count (CBC) With Differential and Platelets $35
o Complete Blood Count (Hemogram) Without Differential $20
o Dehydroepiandrosterone (DHEA) Sulfate $ 85
DNA (2) person $155, (3) person $245, Court accepted $345
o Drug Screen Rapid 10 Panel $40.00
o Drug Screen Hair most reliable $99
o Herpes Simplex 1 and 2 $99
o Estradiol Serum $39
o Ferritin, Serum $39
o Folate $69
o FSH and LH $109
o Fsh $65
o Gestational Diabetes One-hour Screen (Glucose 50 gram) $25
o GGT $65
o Glucose, Plasma $15
o hCG), Beta Human Chorionic Gonadotropin Quantitative, $125
o Hepatitis B Surface Antigen $75
o Hepatitis C Virus (HCV) Antibody $75
o Hemoglobin A1c $69
o Hepatic Function Panel (7) $75
o HIV SCREEN (Western Blot Confirmation on Positives) $125
Herpes Simplex 1 and 2 $125
o Iron and Total Iron Binding Capacity Fe &(TIBC) $35
o LH $69
o Lipid Panel $39
o Magnesium $29
o Measles Titer $24.95
o Microalbumin, Random Urine $15
o Progesterone $ 69
o Prothrombin Time (PT) $75
o Prostate-Specific Ag, PSA Serum $59
o Prenatal Profile I With Hepatitis B Surface Antigen $149
o Rpr $69.95
o Sedimentation Rate-Westergren $69
o Total testosterone $49
o Testosterone Free $49
o Testosterone, Free/Total, Serum $99
o Thyroid Profile TSH and T4 total, T4 total $99
o Thyroxine (T4) Free, Direct, Serum $99
o Thyroxine (T4) Total $59
o Thyroid Stimulating Hormone (TSH) $39
o Tri-iodothyronine (T3), Free, Serum $39
o Urinalysis, Complete With Microscopic Examination $29
o Urinalysis, Routine $19
o Urine Culture, Routine $39
o Urinalysis,with reflux to culture $59
o Vap Cholesterol with LDL:HDL Ratio $79
o Vitamin B12 and Folates $39
o Vitamin D, 25-Hydroxy $69
o Vitamin D,1, 25-DiHydroxy $119
o Varicella-Zoster Virus (VZV) Antibodies, IgG $99
Best Values
Renal Function Panel $99
Albumin, Bun; calcium, carbon dioxide, total; chloride, creatinine, glucose, phosphorus, potassium, sodium,
Basic Wellness Profile $159
Comprehensive Metabolic Profile,Lipid,CBC Diff and Platelets+urinalysis
Prenatal Profile $225
ABO grouping and Rh typing; antibody screen (includes ID and titer of all irregular antibodies detected); CBC with differential; HBsAg; rubella antibodies, IgG; syphilis serology
Deluxe Wellness Panel for Men $325
This panel includes: Complete Blood Count (CBC) With Differential, Comprehensive Metabolic Profile (14), Lipid Panel With Total Cholesterol:HDL Ratio, Urinalysis, Complete With Microscopic Examination and Prostate-Specific Antigen,Testosterone total
Deluxe Wellness Panel for Women $395
This panel includes: Complete Blood Count (CBC) With Differential, Comp Metabolic Profile (14), Lipid Panel With Total Cholesterol: HDL Ratio, Urinalysis, Complete With Microscopic Examination, Thyroid Profile With TSH,
Cancer Antigen (CA) 125, Serum. CA-125 is not fully recognized as a screening test for ovarian cancer because it can be negative in ovarian cancer and may be positive in conditions other than ovarian cancer. However, CA-125 testing has been shown to help detect certain ovarian cancers at an earlier stage than had testing not been performed. The rate of change in your CA-125 levels can indirectly measure the level of cancer
Complete Std Panel Recent Exposure $325
Panel includes:
Hepatitis B Surface Antigen - 006510, Rapid Plasma Reagin (RPR), Qualitative Test (Syphilis) - 006072, HIV SCREEN (Western Blot Confirmation on Positives) - 083824, Chlamydia/Gonococcus, Herpes virus 1&2
All lab work subject to $15 specimen handling fee
Prices Subject to change
2530 Crooks Rd, suite # 2
Royal Oak
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subset: commoncrawl


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Sadie and Austin met on Facebook. He asked her to watch a movie with him but during their first date, he didn't say a word to her. Sadie sensed he had a shy but sweet spirit and continued to talk to him. After the disastrous "silent date" they hung out again at a revival where … Continue reading Sadie + Austin
Author: brookekelleyjordan
Finding Comfort During Depression
It seems physically impossible. Comfort.... Ha! Nothing seems to comfort me when I am sulking in my own self-pity. Being a new mom is flippin' hard. By far the hardest thing I have ever been through. I keep thinking it's going to get easier, but it doesn't. When we have laundry, dishes, sweeping, full-time job, side job, … Continue reading Finding Comfort During Depression
1. How many pictures will I get? This is a commonly asked question when someone is wanting to book a session. On the Sessions page there is an estimate under each package for how many pictures you will receive. It is usually much more than that. I like to give clients all the good pictures. … Continue reading FAQs
First Birthday
Smash cake sessions are now available with cake included! $100 for one hour, 75+ digital images on a CD with copyright release. *I have everything you need for a unicorn theme!!*
Strawberry Wine
My sweet girl LOVED the strawberry bath! I hope she isn't gonna mind me using her as my model forever... LOL!
Riddle Family
This family was a joy to work with. The big sister LOVED getting her picture made while little sissy wasn't so sure!
Brewer Wedding
This wedding was small but so much fun. I'm glad I got to witness two families come together as one. Such a beautiful ceremony!!


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Pietermaritzburg: The jewel of the Zulu Kingdom
January 1, 1970
by Emma M
About 55min from Durban, which was named after Sir Benjamin D'Urban, you come across Pietermaritzburg which was named after Piet Retief and Gert Maritz. It is situated approximately 86km from Durban and 496km (4hr 45min drive) from Johannesburg. In isiZulu Pietermaritzburg is called uMgungundlovu.
Beautiful buildings
This city is one of the oldest cities in South Africa. It boasts some of the most beautiful Victorian buildings in the world; among them is the city hall which is majestically situated at the centre of the city with a tall clock tower at the top and the Collin Webber hall which is situated at the University of KwaZulu Natal Pietermaritzburg campus which happens to also have a clock tower at the top. These two are but only a few master pieces; beautiful heritage pieces of the city and they seem to have been designed by great architects and it must have taken very skilled and patient builders to bring them to life. They are among the most timeless structures in the world. Beautiful, elegant and built with perfect attention to detail.
The KwaZulu Natal museum
The city is also home to multiple art galleries and museums; among them is the KwaZulu Natal Museum. I chose to visit this particular museum because something inside me said that it would hold the best that the province has to offer in terms of history, culture and learning. Little did I know that my thoughts were right. The museum has a wonderful atmosphere and the temperature is just right as I had come in from a cold wind outside and the inside was warm and relaxing.
The museum has beautiful displays and is equipped with audio and visual learning aids, from storybooks for children to videos for all ages. I enjoyed the video of the leopard skin. I learnt that the leopard skin was a royal piece of clothing and that culturally it was associated with power and great leadership back in the olden days but as most parts of culture slowly became foreign to Africans, it became a symbol they could associate themselves with as their roots.
There is so much to see and learn at the museum. Like the train display that resembles the train that Gandhi was thrown from; on the inside of this train is a screen playing the movie Gandhi. I had seen it long before going to the museum so I didn't sit and watch it but I can tell you that it is an excellent movie that captures the life of Gandhi at that time perfectly in my view. Gandhi was never forgotten in this city and will never be forgotten as there's also a statue at the Gandhi square in town which tells a few details of his story.
One of the most amazing things at the museum is the skeleton of the last wild elephant of KwaZulu Natal. This elephant used to roam freely around the Umfolozi flats. It never came to know what it felt like to be restricted to a game reserve or to be caged at a zoo. After it had died its remains took a year to reach the museum by ox-cart and rail transportation; having its tusks and knee caps stolen in transit, the tusks were recovered but the knee caps were never recovered to this day.
During the time I visited the museum there was a display table of South African heritage. On this table was the food that I feel best describes us as South Africans. It had our favourite brands and foods ranging from boerewors, bunny chow and many other South African dishes.
Vogue, Vigor & Verve and the casino
There are many pubs, clubs and lounges in Pietermaritzburg. You can find a place to chill depending on what kind of vibe you like.
During the day I visited Vogue lounge which is at the corner of Peter Kerchoff Street and Hoosen Haffejee Street. Oh! The vibe, I loved it. It has a beautifully decorated interior, a superb bar, a great selection of meat and amazing service. The music selection of that day was lovely, lively and my kind of music. It truly is a wonderful place to kick your feet and have a great meal. I think it represents South African braai culture perfectly, if you ever want to understand what South African braai-vleis means give them a visit.
When the night came around I chose to go see what happens at the Golden Horse Casino. Lovely place I must say. It is filled with a selection of restaurants and games. I had my supper at Vigour and Verve; it has a classy wonderful interior and atmosphere. They have a great service and the place is neat and clean. I loved the fact that one can mix their milkshake flavours. The food is great and by all means necessary don't walk out without having had a slice of their red velvet or carrot cake, they are worthy. The casino floor is another place to be but by all means possible have a budget and don't be a careless gambler if you choose to gamble. All in all it was a fun night.
Pietermaritzburg celebrities
Not only does Pietermaritzburg have great places to see, it is also home to great people. It is the birth place of great people such as Alan Paton, Jabulile Ndlovu and many others who contributed positively to the development of this country. It is also the birth place of Kevin Pietersen, David Miller, Arthur Bartman, Bryce Moon and other sports personalities; and Pietermaritzburg also hosts multiple sporting events such as the great Comrades Marathon among others.
The city and landscapes
The landscape of the city and its surroundings are amazing, the city is situated in the hill country of Mzilikazi after all. It has amazing landscapes that are better glorified in lights as different areas of the city begin to come alight. It is marvellous scenery. Pietermaritzburg is a gem and one of the most beautiful places in KwaZulu Natal. It has a rich history of the country and that of the province embedded in it. With its beautiful buildings, great historical figures and wonderful places; it is perfect.
Top 12 Destinations for Backpackers
Looking for adventure in far away places? Get more bang for your buck with these backpacker favourite destinations you may not have thought of!


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Tezuka Osamu no Buddha: Akai Sabaku yo! Utsukushiku
Type: Movie
Episode Count: 1
Media: Fansub
Genre: Drama Historical Supernatural
None found
Discussion: None
Date Added: August 19, 2013, 02:58:37 PM
Status: Complete
Maintainer: DeadHungryKat
Summary: In ancient India, the lives of the re plagued by drought, famine, constant warfare and the injustices of the strict caste system. The intertwining lives of many unhappy souls are drawn together by the birth of the young prince Siddhartha, who embarks on a spiritual journey, becomes Buddha, "the Enlightened One," and attempts to bring about a spiritual rebirth of the people in this desperate age.
Link Pass: a-stash
|Added on:
|Akai Sabaku


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Fostering Cats
Fostering cats & kittens is an adventure and a great way to expose your family to the joy of having pets.
In some cases, your foster kitty can live freely in your home or in other cases, you will require a separate room for your foster kitty or a large dog training crate.
We pay all the vet bills and supply all the food and litter. We do, however, ask if possible we appreciate when foster homes can assist in driving cats and kittens to vet appointments but is not a requirement.
Below are some of the typical types of foster situations we encounter:
Motherless Kitten(s), (already weaned)
- Sometimes a separate room is necessary for the kittens if you have other cats living in the house due to the possibility of illness, mites or fleas.
- Will need to be taken to vet appointments at approx. 10 weeks of age.
Pregnant Mother Cats
- Typically kept in a separate room or dog training crate in order to control where the kittens are born and to supervise them after birth.
Mothers & Kittens
- Typically a separate room is encouraged, but not always if the mother is friendly and easy-going.
- The mother should be allowed to rear her kittens until at least 6 weeks of age. At that time, they can be separated. Mother can be spayed after a minimum of two weeks away from her kittens to ensure she is no longer lactating.
Bottle Baby Kittens
- Sometimes babies are abandoned before they are old enough to be weaned. Bottle feeding is a specialized type of foster care and requires training provided by AlleyCATS Alliance.
Feral Cats
- Feral mothers REQUIRE a secure, private room and sometimes other special handling.
- On occasion, we take in feral cats or kittens with the intention of rehabilitating, taming, and re-homing them.
If you are interested in becoming a foster parent, please fill out our Foster Parent Application Form.


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Pell Maul
27 Wednesday Feb 2019
Posted Warrigal Mirriyuulain
27 Wednesday Feb 2019
Posted Warrigal Mirriyuulain
05 Tuesday Mar 2013
Posted Emmjayin
Bishop Bishop, Father O'Way, George Pell, Goddess of Destruction, Kali, papal conclave, Pope, Shar Pei, St Generic Brand Church
Story by Emmjay
The 3:15 to Ashfield was, unusually, right on time and a familiar face ambled into Lintoffs – dry cleaners to the clergy. The face, born on two spindly pins, looked expectantly at Granny who was moonlighting in her lunch break, serving behind the faded laminex counter at the dry cleaners.
"G'day, your grandmaternity", he said.
"Father O'Way !
What brings you and your bolognese-stained cassock to our doorstep, meddlesome priest?" said Granny.
"I've got this dirty habit", said Sandy O'Way.
"It's all through your church, padre", said Granny.
"Not the kiddie fiddling, Gran, THIS habit he said pointing to his investments.
"Would you like fries with that, friar?" she laughed and made a mental note to have the Tempe Council health inspector around to St Generic Brand's church with the Lysol and carbolic spray.
"I've an important trip to make and I need to look sharp", said Sandy.
"We're dry cleaners, your wordship", said Granny "Not miracle workers – that's your job".
Sandy O'Way was long on forgiveness and longer on patience. The Bish had said so many times. And he was a long long way from Rome, which is why the Bish had called him.
"Father, they know not what they are doing" said the Bish.
"That's oblivious, your more impressive ringness" said Sandy. "It's <i>obvious</i>" said the Bish. "Yes", said Sandy.
"I'll get right to the point", said the Bish. "All right" said Sandy who was on a roll with this ekkerleasiastical conversation type talk".
"Rome has asked me to instruct you to proceed there forthwith and with all haste. Since His Holiness has decided to take early retirement and go away and think it over for a very long time, the Vats have sought the wisdom of one of the shepherds of the flock of Rome far removed, from this sordid business of improper behaviour while under the influence of other improper behaviour" said the Bish. "Are you with me Sandy ?" "Yes, your middle order clericalness", Sandy lied.
"In a couple of weeks the Cardinals, including P1.." "Mr Stinkypants ?" interrupted Sandy. "Yes, including P1" continued the Bish… "are going to meet in the Vatican, scrum it up, snort a few lines and seek divine confirmation of a foregone conclusion designed to kiss off the captains of the only semi-true flocks of Asia, Africa and South America. And they're looking for a scapegoat, sorry I meant to say inspired contribution from the whiter members of the New World, more specifically a malleable type of distractible like you, or more specifically than that, precisely you. Are you with me Father ?"
"Are you saying that I'm going to be Pope Ular the First?" asked Sandy.
"No", said the Bish "You're going to reveal to the Vats who should be going to win the draw for the Friday Conclavical Meat Tray. You know how it's always rigged at the Pig's Arms ?", said the Bish. "Yeah, sometime's it's not Emmjay's brother-in-law", said Sandy. "Well, I'm not saying that you'll be the rigger for the Pope Draw, Sandy, but ….let's say ….. good sources close to the trainer are putting money on you to come up with the right answer".
"I see", lied Sandy again, totting up a few dozen more Hail Maries. "If I was going to mark the card", said Sandy…."Yes", said the Bish …. "Would I be getting any heavenly guidance ?" inquired Sandy"
"I should say so !" said the Bish in a fairly emphatic kind of way that did not go unnoticed (but did go uncomprehended).
"It is written", said the Bish "In this Email…… that the annointmented Holy Father will be pure of heart, loyal, faithful, cheerful, open, caring, tolerant, wise, humble, intelligent, of good humour and above all untainted by the sins of the flesh. There's something crossed out here, Father. I think it said 'safe with kiddies – stet'. Mature, but not of an age where vigorous activity is out of the question, above reproach, able to understand basic English and able to drive a bullet-proof golf cart. Hours flexible, but will have to work weekends. Previous spiritual experience a definite advantage. References required."
"I bought you a premium economy ticket from Rosie's Crucial Fiction Travel and Penta Coastal Surfing Adventure Tours and it's waiting for you at the Pig's Arms. Get yourself cleaned up and be on QF-666 leaving at 10:45 tonight for Rome."
"Roger, Bish", said Sandy. "And Sandy…"Yes Bish ?" "Try not to stuff it up like last time. No former Hitler Youth, no paedo-buriers, no ultra-conservatives, no gay supporters, no wealth redistributors, none of this 'man-of-the-people" stuff, no radical lefties, no pro-shiela buffoons, none of those contraceptives or HIV talkers, no hardline economists, no climate denialists. We want a Pope that looks busy, is admired by everyone, has no copies of 'Studs and Glory-holes Monthly' in his locker, who can fake a bit of nomineae partridge and who excels at being loved while not doing much. He could look like he's got a few miles on the clock, but not be one of those bloodless, pasty old Euros who looks asleep at the wheel. Clear on all that ?" said the Bish.
"Crystal decanter", said Sandy.
"So who've you got in mind ?" asked Granny. "I've got a call to make first", said Sandy. "Can you free me of my dirty habit in an hour ?" said Sandy. "Certainly" said Granny, unfussed by the image of Sandy standing before her in his sub-cassock Leichhardt Wanderers' strip, replete with his Pig-tel dayglow crucifix, knobby spindly legs and hoop socks of different hues. "Have a couple of quiet Trotter's Ales and come back in an hour" said Granny. "I'll walk you to the pub, I'm coming off my break now".
Granny and Sandy O'Way ambled across the Pig's Arms car park, and stepping over Merv's trusty old, and frighteningly deaf Shar Pei, patting her velvet soft head. She smiled in an amiably innocent and accepting way. And wagged her tail. They assumed the position at the bar and awaited their just rewards. Then Granny remembered that she was doing her cook impression and not her patron cameo role and quietly headed for the kitchen and the mountain of soon-to-be-wedges potatoes.
"Father", nodded Merv, serving up a glass canoe of the pub's finest foamy amber delight. "Ah, Moive, my sooon" said Sandy, already practicing his brogue for his Roman escapade. "I'll be being off to Rome this very evenin", he attempted.
"What would that be bein' for, Father" replied Merv, sucked into a sudden Jamison's moment.
"I'm off to 'shape' the Paypal Conclave's deliberations, moi sooon", he smiled, leprechaun-like.
"Do you be havin' any especial preferences, Father ?" asked Moive. "Aye moit", said Sandy. "I'll be makin' a quick call, if you dornt be mindin'", said Sandy, extending his arm and hand towards Moiv's phone.
"Hello, is dat de Bishop?" said Sandy. "Knock it off, Sandy", said the Bish. "Listen", said Sandy " I was thinking about what you said earlier". "Yes". "About honest, loyal, friendly, lovable, safe with kiddies and that…" "Yes". "And not a pasty Euro". "Yes". "Well, would it be out of the question, if the nominee was a little bit tinted, maybe with a touch of the Asiatic, a little wrinkled, but wise looking as well as loyal, friendly and definitely safe with kiddies ?" said Sandy.
"Is this nominee ….. an Australian ?" asked the Bish.
"Born and bred", said Sandy. 'And you're absolutely sure about all their good qualities, Sandy ?" "Cross my heart and spit my death, Bish" said Sandy. "Then go ahead, the Vatican needs a Pope with those qualities, Sandy ….. and an Australian to boot."
Father O'Way said his goodbye to the Bish, put down the phone and mumbled something about a photograph to Merv. "Sure, Father" said Merv returning to his familiar accent, turning around and taking a Polaroid down from the corner of the bar mirror. "Safe trip, Sandy", said Merv. "See you soon. Thanks for the Trotter's, Merv".
The hour wasn't quite up, but Paula Lintoff had already cleaned and pressed Father O'Way's cassock and handed it to him over the counter. He put the photo on the counter and slipped into his old habit. "Nice photo, Father. That's Merv's dog Kali, isn't it ?"
"It is. She's a lovely old thing, restores one's faith", said Sandy. "Desexed, too."


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Tucked away in suburbs and urban areas are secret housing developments. The housing developments are welcoming luxury apartments. Real estate professionals at the helm of these luxury apartments may own and operate luxury apartments indifferent regions of the country.
Luxury apartments offerings
Widespread experience building, filling and managing luxury apartments has helped some of the real estate leaders to really know what people want in a home. The layout of luxury apartments lends an open feel to the apartments.
Common amenities that are in luxury apartments include spacious rooms, walk in closets and en suites, some which are as large as bedrooms in starter houses. Kitchens may lead to a private laundry room or to a den or outdoor space that can be used as a garden room.
Porches at luxury apartments are similar in size as back porches found at traditional houses. Key to getting the most out of luxury apartment porches is to choose an apartment with a porch that overlooks lush gardens, a mountain view or a distant beach or lake.
Pay attention while renting luxury apartments
Depending on where you live, you could also find a luxury apartment with a porch that overlooks a natural reserve or a densely wooded area. Expect to spot an assortment of birds and other small animals if you rent a luxury apartment near a wooded area. You might wake to the sound of birds singing every morning.
What you may not get with luxury apartments are large kitchens. You'll know early if this is important to you. Once you discover how important it is to you to have access to a large kitchen, add "large kitchen" to your first house list of"must haves". The same applies to whether you prefer single or multi-level living spaces.
Learn what you love in a home while living in luxury apartments
A good way to introduce yourself to luxury living without buying a house that's well into the six figure price range is to rent a luxury apartment. Just be prepared to pay rents that may top what you'd pay on a mortgage, perhaps hundreds more a month than what you would pay for a house depending on where the luxury apartments are located.
But, don't just live in luxury apartments. Pay attention to housing features that you appreciate most, the types of amenities that make you feel like you are truly home as soon as you walk through the front door. Exquisite granite kitchen counters, long marble bathroom counters, hardwood floors and massive master bedrooms and en suites are common amenities in luxury apartments.
Look for similar amenities in your first house. One option might be to buy land and build a house that fits the luxury living you got used to while you were renting an apartment.Another option is to buy a starter house then make upgrades that put the starter house in the same ballpark as luxury apartments.


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Arosa Electronica
17 to 24 March 2020
The festival is intended to fascinate all fans of electronic music and includes great parties day and night. A superb line up with DJs and artists from Switzerland, together with guests from abroad and an exceptionally beautiful ski resort, Arosa will be the focus of the electronic music scene during this week.
Arosa Electronica
The Arosa Electronica can be proud to say, after the fifth edition in March 2018, they have topped the festivals of the first two years in all areas. More DJs, more visitors and even more great memories from the Arosa Electronica Festival.
They are now in the planning and realization phase for 2020 and have many new ideas and surprises for the new edition of the festival!


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Release date: July 23, 2013
Label: Hollywood Records
Stars Dance is the debut solo studio album by American singer and actress Selena Gomez, released on July 23, 2013 through Hollywood Records. The album debuted at number one on the US Billboard 200 with first-week sales of 97,000 copies.
"I made a huge fun dance record that I'm so proud of. I got to work with a bunch of different producers and they're all really fun, pop songs. It's a really fun pop record." - Gomez, on the album's composition.


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The book is a simple story around a girl who has high aspirations from childhood but has or faced a lot of complication in dealing with this real world and their rules & ethics. The language, vocabulary and examples used in the story are successful in delivering their message. Once, you start reading, you couldn't stop or resist at least for some hours. If you travel alone & frequently, this book is good companion.
The story is able touch the heart of all (majorly girls) as many of them faces such type issues, problems & pressure in real life directly or indirectly from closed one or distanced one in various phases of life (include their childhood to their marriage even after that).
The starting pages of book will take you in past (in childhood) with some fun stories or lessons that yours' grandmother or some senior one has shared with you. But, game changes, When happily married couples enters into real world full of problems, challenges and heart taking-away tasks & reality (not sharing or mentioning all hassles or troubles couple faced to keep readers interest and their excitement when they will read).
Author Shweta Chowdhary is successful in expressing her feeling via this book in simple, unconventional & uncanny way. And expect, journey will not end here, a sequel will be available soon since the ending reach to balance.


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Standard & Poor's Is Sorry About That Credit Crisis
Standard & Poor's Is Sorry About That Credit Crisis
Here's how much money Standard & Poor's has made rating bonds for the last few years: 1
What does that chart tell you? Not much, right? S&P made a lot of money rating stuff before the credit crisis. Then a credit crisis happened, and it had less stuff to rate. Then, you know, stuff came back to be rated, and there S&P was to rate it. Now it's rating as much stuff as it was back in the pre-crisis glory days of rating stuff. It's a pretty boring story.
Here's another story about S&P:
Our suit alleged that, from at least 2004 until 2007, S&P engaged in a scheme to defraud investors by knowingly issuing inflated credit ratings for CDOs that misrepresented their creditworthiness and understated their risks -- ultimately causing investors, including many federally-insured financial institutions, to lose billions of dollars. At the time, S&P claimed that its ratings were independent, objective, and not influenced by the company's relationship with the issuers who hired S&P to rate the securities in question. In reality, the ratings were affected by significant conflicts of interest, and S&P was driven by its desire for increased profits and market share to favor the interests of issuers over investors.
That's the story that Eric Holder told today in announcing a $1.5 billion Justice Department-led settlement with S&P for mis-rating mortgages in the lead-up to the financial crisis. 2 He also said that the settlement "makes clear that this kind of conduct will never be tolerated by the Department of Justice." This is a somewhat weird thing to say, since two weeks ago the Securities and Exchange Commission fined S&P $58 million for an assortment of post-crisis mortgage-rating misdeeds that pretty much come down to being "driven by its desire for increased profits and market share to favor the interests of issuers over investors." The Justice Department doesn't seem to have been involved in that one.
Here's today's settlement agreement, and the Statement of Facts. Like that chart, they tell a boring story. S&P advertised objectivity. But it "toned down and slowed down" the roll-out of a new version of its collateralized debt obligation rating model "pending further measures to deal with such negative results" as losing "potential business opportunities" from investment banks that underwrote CDOs. And it took its time downgrading subprime residential mortgage-backed securities "becasue of concern that S&P's rating business would be negatively affected if S&P were to announce severe downgrades."
Here is the complaint that the Department of Justice originally filed two years ago. It is a considerably longer -- 119 pages, versus 5 for today's Statement of Facts -- and more entertaining document. For instance:
An explanation of the new approach compared the business-friendly matrices to coins in a coin toss: if one matrix that was "great for business" turned out not to be "plausible," S&P could just select another "business friendly" matrix, just as if flipping a different coin, until it found a result that was both "business friendly" and "plausible." The presentation added: "In contrast, our old methodology gave us one single 'best coin' that is data driven. But if it turns out to be business unfriendly, we are stuck."
The Statement of Facts tosses all of that color, in exchange, I suppose, for S&P very specifically disavowing its claims that the Justice Department's lawsuit was brought in retaliation for S&P's downgrade of the U.S. 3
I guess one obvious question to ask is, if S&P's core business of rating securities was for three critical years "a scheme to defraud investors," why is S&P still rating securities? Not as a regulatory matter, I mean; as a market one. If investors were defrauded, why are they still persuaded by S&P ratings? And if they're not persuaded, why are issuers still paying for those ratings? At least in theory, there's a market-reputational enforcement mechanism for credit ratings: If everyone knows your ratings are a lie, then they won't trust them, and the ratings won't be worth anything to issuers.
I think the answer to that question starts with S&P's defense, which glories in the name "puffery." Everyone knew, asserted S&P, that when it said that business considerations never entered into ratings, what it meant is that business considerations don't enter into ratings to an excessive degree, in its judgment, most of the time. You know how it is. Obviously business considerations enter into ratings! S&P is in the business of selling ratings, of convincing the market that its ratings are useful. That is a necessarily market-driven activity. If sellers want to sell a thing, and buyers want to buy the thing, and you refuse to give it the rating that the sellers and buyers want, then they will find someone else to rate it.
The answer continues with the fact that a lot of those defrauded investors were, um, also defrauding issuers? The Justice Department lawsuit accused S&P of defrauding the banks who bought collateralized-debt obligations. But many of those banks -- the named victims in the complaint -- were also the issuers or underwriters of those CDOs. The banks defrauded themselves, with the help of S&P, seems to be the Justice Department's theory.
It's a perfectly sensible theory! The banks wanted to buy things with AAA ratings and high yields. To do that, the theory goes, they convinced S&P to give AAA ratings to high-yielding risky things. And then they sold those things to themselves, and to other investors who wanted high-yielding risky things but who were constrained by law, regulation, mandates, etc. to require high ratings. Neither the buyer nor the seller would be happy if S&P insisted on intellectual honesty at the expense of optimistic ratings. Everyone was happy to buy into the optimism. 4
As this National Bureau of Economic Research paper puts it: 5
The increasing reliance on ratings in order to risk weight assets for prudential regulation purposes increased the demand for "safe" assets - assets that met regulators standards. ... Our model suggests that investors in this restricted class would have been interested in holding riskier securities that passed the threshold because they would provide ex-post higher returns. The experience of 2007-2009 suggests that restricted investors continued to invest in the claims rated inaccurately even after it became clear to them that some ratings did not perform as expected.
The experience of that revenue chart suggests the same: S&P served a useful function, though not a pristine one. Its job was to get paper out the door and into the hands of people who wanted to be told that it was safe, whatever their private beliefs about its safety. That function was well enough understood by most of its actual users, who don't seem to hold it against S&P that it failed to live up to its self-imposed, puffy standards.
But the Justice Department does. And that seems fine. Helping a bank defraud itself really is, you know, not great. As long as S&P has the power to put a semi-official stamp of approval on a bond, someone ought to be holding it accountable for the quality of that approval. And as long as it has that power, the market won't be holding it accountable.
Source: For fiscal 2009-2014, I've used Bloomberg data for revenue in the S&P Ratings segment of McGraw Hill Financial Inc. (For 2014, the company has not yet reported fourth-quarter data, so the blue bar is just the first three quarters; I've added a gray bar equal to last year's fourth-quarter revenue. Note each other quarter this year has improved over the prior year's quarter.) For fiscal 2007 and 2008, I've used McGraw-Hill Companies earnings releases, which broke out Standard & Poor's Credit Market Services, a possibly not-quite-comparable segment. For 2006 I extrapolated back from the 2007 press release, since the 2006 one breaks out only Financial Services.
Depends how you count, but it's not interesting. The big settlement is $1.375 billion, half to the federal government and half "divided among the 19 states and the District of Columbia" that sued. There's a separate $125 million settlement with Calpers, though Calpers will end up with $301 million because it's getting a piece of California's piece of the big settlement.
The Statement of Facts ends:
S&P has reviewed the voluminous discovery provided to S&P by the United States to date, and acknowledges that this discovery does not support its allegation that the United States' FIRREA complaint against S&P was filed in retaliation for S&P's 2011 decisions to place on credit watch negative and subsequently downgrade the credit rating of the United States. Accordingly, in conjunction with this settlement, S&P is withdrawing that allegation.
I love that the discovery's voluminous-ness is a stipulated fact.
Indeed, one objection in the original complaint was that S&P reviewed its criteria with investors. You'd think reviewing criteria with investors would be good, or at least indicate that you're not defrauding them. But investors didn't want S&P to be un-commercial any more than issuers did.
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Humans and dolphins may look quite different, but both are mammals and share many genetic similarities. Understanding these similarities can lead to improved health for both species.
McCallie alumnus Ben Neely '99, a member of the National Institute of Standards and Technology's Marine Biochemical Sciences Group, and colleagues recently completed an index of all proteins found in the bottlenose dolphin genome.
The project was conducted at the Hollings Marine Laboratory, a research facility in Charleston, South Carolina.
"Once you can identify all of the proteins and know their amounts as expressed by the genome," Neely said in a recent article posted on the National Institute of Standards and Technology website. "You can figure out what's going on in the bottlenose dolphin's biological systems in this really detailed manner."
Neely's study is part of a field called proteomics. Proteomic work has a wide variety of potential applications.
As an example, Neely's work identified the protein vanin-1, which is produced by both dolphins and human. Better understanding of this genetic protein could lead to treaments that can help the human kidney from disease.
Read more about Neely's work at the NIST website.


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Paul is a very knowledgeable and successful Investor and you can follow him on Twitter where he puts out a lot of useful stuff. His handle is @Hawkeye_74
Cheers, WD.
There was a discussion recently on Twitter about PCF Group and my mate Paul Hawkins mentioned that he had some notes on PCF and kindly he agreed to whizz them over to me so that Readers could share his findings and thoughts. A big THANK YOU to Paul for sharing this stuff and saving me a lot of time creating a Blog at a time when I am quite busy. It's much appreciated.
Paul is a very knowledgeable and successful Investor and you can follow him on Twitter where he puts out a lot of useful stuff. His handle is @Hawkeye_74
Cheers, WD.
A few weeks back I wrote a 'Week Ahead' update on a Sunday night and I included a fair chunk of text on how Negative Interest Rate Policy (NIRP) was perhaps not one of the brightest ideas from the Central Banks. I am not sure why but I omitted a pretty key piece of information about the implications of NIRP for Cash and so I thought I would just knock this text up to address this serious deficiency !!
The previous Blog including my bit on NIRP can be found here - it might be worth reading this first, or refreshing if you have not read it for a while (it was written as one of the usual Weekly Charts Blogs but contains the NIRP stuff near the beginning):
My Summer 2015 Roadmap
Markets have clearly got a bit more nervous as we move into June and the Greek problems seem to be creating a bit more worry in the Markets. Summer is always a difficult time for Markets and I always like to be heavily into Cash and/or, like this year, to have big Shorts on to Hedge my Long Portfolio.
I thought it might be helpful to Readers to give a view on how I intend to play things from here and it will help me get my thoughts clear and help my forward thinking. You may have seen from some Blogs and stuff that I very much like to be ahead of the game (hey, it's essential if I really am going to beat the Bears), and having a Strategic Plan for the coming months is utterly vital I feel - it's my Roadmap.
This Blog contains some general thoughts on how I think things will play out and how I am positioned.
The Danger in Bond Unit Trusts
I started off writing about Position Sizing but got a bit sidetracked due to the inclusion of Bonds within the sizing discussion. I have consequently written my view on Bonds at the moment.
Bonds are an Asset you can buy that pays you a Coupon. You are effectively lending money to the Bond issuer (the borrower) and they pay you back the value of the Bond at the end of the Agreed Life of the Bond (the Maturity) - assuming all goes well and they remain solvent. In addition, you get paid the Coupon every year up to Maturity. In a way you can think of it like a Share with a Dividend - but the Share has the potential to provide a rising dividend payment and Capital Gains. If held to Maturity, a Bond will only pay back the purchase value and you will have received the steady Coupon payment each year.
'Educational' WheelieBlogs
Welcome to my Educational Blog Page - I have another 'Weekend Markets' Blog Page which you can access via a Button on the top of the Homepage.
August 2019
Please see the Full Range of Book Ideas in Wheelie's Bookshop.


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If you have hurt your credit and have realized the damage you have done, it is important to start by actually paying what you owe. Hence, while availing these loans you are not required to undertake any risk regarding your valuable assets. Our auto loans are furnished in-house, providing us with the flexibility to finance those with bad credit or even no credit history at all. The only condition for availing this right is that the value of the car should be $40,000 or less than that.
This is considerably better than some other secured cards, like the EMV Savings Secured Visa Platinum card, which awards just a $250 credit limit in turn for a $250 security deposit. But, Stamps says, mom-and-pop dealerships usually meet your specifications on a car, or come close. These services are open for all sorts of bad credit holders which means you can easily grab the money without bothering about tags like default, late payment, default, missed payment or even bankruptcy. Even though there will likely be a 4 or 5 percent transfer fee, the total amount will be less than the interest rate you would pay on your current balance on the higher rate credit cards. This organization must investigate and report back to the credit reporting company. The lesson learned is we need to better balance our bad credit debt and tighten the belt of our spending habits. Having a less than perfect credit history may mean you will be seen as a high risk borrower.
At Hippo Leasing we have experienced account managers who are trained to understand our customers' requirements such as their budget and the type of car they need. Some other students might have previously used supplementary credit cards linked to their father's credit card, but for students as well as their credit cards in college is the first that is truly their own. This may allow you to later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.
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Joel Topf summarizes the donation nephrectomy.
Peanut in a Box of Worms.
This is the moment. This is the chapter where Vanessa gives her kidney to Robert.
The chapter begins with a beat-by-beat explanation of the organ harvest. All the banalities that are glossed over in most medical dramas are examined with poetic beauty. Things we don't usually read or see:
- The thumb and finger in an exaggerated snap used to open the mouth prior to sliding in the laryngeal blade
- Sliding the ET tube through the vocal cords. Performing that simple maneuver still ranks as one of the most satisfying things I have ever done.
- A description of inserting the foley catheter.
But I paused when she described the anesthesiologist listening to the chest for breath sounds. Dr. Grubbs specifies that the anesthesiologist listened to the right lung then the left lung, opposite the correct order of epigrastric region, left lung and finally the right lung. Is the author trying to tell us she has situs inversus? Is this a signal that the anesthesiology team is unconventional? Is this harbinger of future complications?
But by far the best part of the chapter is the tour of the kidney in biblical and historical views.
She then described how the visual symbol for physicians through the Middle Ages was a man examining the urine with a matula, a glass bottle with a rounded bottom designed to simulate the urinary bladder. Everything fell apart when examining urine replaced the remainder of the physical exam and scammers began exploiting people by claiming to predict the future by examining their urine. This practice of urinalysis became grouped with palm reading. There might be a lesson in here for modern nephrology and its dependence on labs at the exclusion of physical exam.
Dr. Grubbs then reviews the history of transplantation. Twin physicians, Cosmas and Damian supposedly transplanted a leg in Ancient Rome prior to be being martyred for being Christians. I am sorry about their getting beheaded but consider the tale of the successful leg transplant to be fake news.
The transplantation story resumes in the early 1900s as various surgeons defined the surgical procedures needed to attach the blood vessels, ureters and settled on a satisfactory site for the transplanted kidney. However, the transplants all failed in a matter of hours as the science of rejection lagged the surgical skills.
Richard Herrick received the first successful kidney transplant in 1954. The cheat here was that Richard's kidney came from his twin brother Ronald. The fact that they were identical twins allowed success despite the rudimentary immunosuppression of the era.
She concludes the history lesson with a quick review of immunosuppression from whole body radiation in the 1950's to azathioprine, to the breakthrough of cyclosporine in 1976 that finally made transplant a practical reality.
After the history it is back to the OR with a wonderful tick-rock description of a laparoscopic nephrectomy. She describes the precision and order of the nephrectomy team with detail and reverence. She paints a wonderful picture.
The title of the chapter comes from the surgeon, Matt Frank, reaching into her body to grasp the newly freed kidney and pull it out to be given to Robert.
Peanut in a box of worms. Perfect. I think the book works best when Dr. Grubbs mixes narrative with interesting historical perspectives. This chapter is exemplary of her best writing.


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On Wednesdays, we wear pink!
Despite what the silly groundhog says (or rather predicts since groundhogs don't talk), it seems to me that Spring is right around the corner. And my favorite Spring obsession this year is pink...fuchsia pink.
If some of you are shocked, trust me I get it. I have never really been a huge pink fan myself; it always seemed kind of a juvenile color to me. But, this year designers (including myself) are finding ways to make pink sophisticated, modern and elegant.
My personal favorite pink trend is to wear it as an accessory. All white ensembles and floral prints seem to be all the trend this year, and I think a pop of pink would be the perfect accent. You can go bold and wear statement earrings, or be more delicate with a simple necklace.
Another option is to add pink to your Spring wardrobe. Designers like For Love & Lemons and Elizabeth and James offer great pink pieces. Here are a few of my favorite hot pink pieces:
I wouldn't suggest though mixing pink accessories with pink attire. You don't want to go on pink overload and accidentally look like Elle Woods from Legally Blonde! If you choose to wear a pink dress or blouse, I think best to accessorize with simple gold jewelry.
Well, thanks for reading my blog! Hope you guys have a great Valentine's day weekend!


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BOSTON (Legal Newsline) - Massachusetts Attorney General Martha Coakley filed an appeal on Thursday challenging a decision by the Nuclear Regulatory Commission to proceed with hearings to grant a new 20-year license to the Pilgrim Nuclear Power Plant.
Coakley cited a report concluding that the risks of severe accidents at the plant are greater than previously determined. Coakley's appeal, filed in the U.S. Court of Appeals for the First Circuit, challenges the NRC's decision to continue the proceedings for relicensing the Plymouth-based plant before the commission considers the lessons learned from the accident at Japan's Fukushima Daiichi nuclear power plants and their relevance for the Pilgrim plant prior to relicensing.
"Our petition for review is intended to ensure that the NRC gives due consideration, including a meaningful opportunity for public comment, to these important environmental and public safety issues," Coakley said.
"We believe safe nuclear power can be a part of our energy portfolio but the NRC needs to understand the lessons learned from Fukushima and apply those lessons to Pilgrim before granting the plant a 20-year license extension."
An NRC-assigned task force reviewed the Fukushima accident and recommended actions to increase the safety level associated with adequate protection of the public health and safety for U.S. nuclear plants.
Coakley's office cited an independent expert who concluded that the environmental risks of operating Pilgrim are greater than set forth in the plant's pending application. The expert said that additional mitigation measures could be warranted to reduce the risks, including the improvement of the venting system to release pressure that could otherwise cause explosions. The independent report said that Pilgrim is a plant of similar design to the ones that failed at Fukushima.
Coakley's appeal alleges that the NRC's decision to go ahead with the license hearing is in violation of the Atomic Energy Act, the National Environmental Policy Act and the NRC's own regulations.


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Little Red Cap
Previous / Next
Little Red Cap (based on "Little Red Riding Hood") / Alt Style Ale (Dusseldorf Altbier) Grimm Brothers Brewhouse is new craft brewer located in Loveland, Colorado focusing on authentic German style beers. Each of their brews is named after one of the Grimm Brother's famous folk tales, so each label features a scene from each story, but with a twist. For example, Little Red Cap (or Riding Hood) has an axe hidden behind her back, making her more dangerous than the wolf.
Designed by The Tenfold Collectivevia www.thedieline.com


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Are you looking for GED® testing in Clayton AL? The GED® test is only given in person and not online. Typically in order to sit for the test the test taker must be older than 17 years old. The testing cost in the state of Alabama typically varies from $40-$90.
The GED® examination covers five topics: language arts (reading), language arts (writing), mathematics, science and social studies. Each section gives a score between 200 and 800. Many states require students to obtain a score of 410 on each of the five sections and an average of 450 for the GED® test to pass.
Usually GED® testing sites in Clayton AL are offered at:
- Clayton Literacy Centers
- Clayton ISD
- Clayton High Schools
- Clayton Community Colleges


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Winterim Professional Intensive 2015/
Stacy Becker blogs about her recent experience in New York - participating in the ICAA's Winterim Intensive - as one of our region's talented up-and-coming Interior Designers.
The walk to the first day of class was a history lesson itself as I turned down West 44th Street in Midtown Manhattan. Classical architecture surrounded me, Doric columns and stacked stone flanking both sides of the street, along with brass door details, and rich carvings in the Ecole des Beaux-Arts style. The history of Manhattan lies in these historic yet beautiful buildings, and I welcomed the introduction to the neighborhood.
Class started by finding a desk complete with lamp, t-square, and drafting table in a snug traditionally outfitted room lined with library books, plaster details and scaled models of classical buildings. The room was also filled with a great mix of students ranging from college age to seasoned professional architects, some of whom traveled from as far as New Zealand, while others just a few blocks away in Manhattan...or, for that matter, from across the country like myself, from the West Coast, and many places in-between.
Off to an introductory start, we began working with our instructors to become familiar with works of literature in support of the contemporary use of Classical Architecture today. American Vignola became the book we would resource endlessly for the following week, guiding our design decisions and informing style, proportion, and appropriate applications of both. We became familiar with classical moldings and were expected to draw examples by hand; the level of artistic talent from my peers was evident immediately. They were incredible. And, while I felt slightly intimidated, I also felt catapulted into excitement for my exposure to the instructors and the professionals that surrounded me. The following day ventured into a rich discussion around the theory and practice of proportion. I was mesmerized and felt a connection towards the reasoning for which classical principles and structures were created. What I did not realize, prior to this class, was the relationship between the science, theology, and architecture in Greek and Roman civilizations. It was a completely enriching conversation and I felt enlightened by the instruction and concepts.
The following few days were filled with drawing work, learning and recreating the classical orders; Tuscan, Doric, Ionic and Corinthian. This process was much less about numbers than I anticipated, though it was precise in terms of geometry and the subsequent breakdown of measure. It felt so good to understand the reason and principles behind these classical elements and to become part of a practicing group that was aware of this rich tradition. Many of the hours and days that followed focused on additional classical instruction and skill such as observational drawing and watercolor rendering, and the notion of applying such faculties to our surroundings and ongoing projects as professionals. How great to make the time to draw and paint, it had been far too long since I've done so, probably since college.
Finally, the last days of the Winterim were spent creating and elaborating on a small design problem presented to each of us as individual assignments. The goal: to design a park entrance gateway that sat at the end of Main Street in a small New England town. Overall footprint preferences, door and window requirements, and architectural elements were outlined - as well as pediments at the front entrance - among others. The initial process was to block out architectural spaces and to begin an esquisse. The purpose of esquisse sketches are to create numerous quick ideas allowing critique, and respectively to outline the best design option. The following final days of class were utilized to refine the most promising esquisse and create a final presentation layout complete with floorplan, front elevation, side elevation, and section. Overall, I was thrilled by this process and very grateful for all of the feedback and criticism from our instructors. The final drawing and presentation was certainly the most intense and creative aspect of the Winterim course, an exceptional culmination of everything learned throughout the week. The experience will not be forgotten by myself or my classmates for quite some time. I still think back to the class on a daily basis and consider the lessons learned to have firmly cemented my passion for classical architecture.


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How Markets Work
Supply, Demand and the 'Real World'
Robert E. Prasch
Chapter: Lecture I: Property, contract, and the theory of exchange
Robert E. Prasch
LECTURE I Property, contract, and the theory of exchange The English economists have taken the laws of private property for granted, assuming that they are fixed and immutable in the nature of things, and therefore needed no investigation. But such laws are changeable – they differ for different peoples and places, and they have profound influence upon the production and distribution of wealth. John Commons (1893 [1963], p. 59) Wealth, in a commercial age, is made up largely of promises. Roscoe Pound (1922 [1982], p. 133) ECONOMICS AND THE "THEORY OF THE MARKET" While some changes have been evident over the last several decades, the above observation by John Commons remains largely accurate. Typically, and naively, most economists adhere to Jean Baptiste Say's dictum: "Political Economy recognizes the right of property solely as the most powerful of all encouragements to the multiplication of wealth, and is satisfied with its actual stability, without inquiring about its origins or its safeguards" (Say, as quoted in Ely, 1914, p. 63). To Say and most economists after him, property rights are a fixed and unproblematic set of laws or rules. This failure is exacerbated by textbook presentations of market relations that take the definition and meaning of a "commodity" to be given and self-evident. This lack of concern for specifics is aggravated when an abstract good, by tradition termed a "widget," is used to illustrate the "essence" of the market process. In this pedagogy, the student's attention is then...
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This is the 500th anniversary year of the Reformation. One of Martin Luther's most controversial Reformation teachings was a doctrine he called the "theology of the cross"—hardly a controversial sounding name. What could be more everyday Christian than a doctrine about the cross of Christ?
Why was it so controversial? It said that some of the major authorities in the Church could not possibly lead people to know God since they used a method of reasoning that could not, in principle, lead to God! You can't get there from here! There will always be a veil over the eyes of those who seek God in the same way the Scholastics did because God hides himself from them!
The Oxford Dictionary of the Christian Church offers this definition of theologia crucis (Latin, 'theology of the cross'): "The name given by Martin Luther to the theological principle that our knowledge of the Being of God must be derived from the study of Christ in his humiliation and the sufferings he underwent on the cross. He opposed it to a theologia gloriae ('theology of glory') which would maintain with the Scholastic theologians that a true knowledge of God can be obtained from the study of nature."1
But this definition can only describe the theology of the cross at a distance. The theology of the cross is a truth that demonstrates itself as people are led to know God by coming to terms with their own sin, which cuts them off from knowing God!
This isn't a theological game, although it can sound like it. It is about the narrow gate that leads to knowing God. You only come to know God by studying the "Christ in his humiliation and sufferings," but this study is not an academic study. It is more like the allegorical character Christian, in John Bunyan's Pilgrim's Progress, who came finally to a hill called Calvary, bearing his heavy burden of sin on his back. As he stood contemplating the meaning of the cross, he was suddenly aware that his burden had fallen away, and was tumbling down the hill behind him!
As Luther grew in this understanding of the message of the cross and how you could come to know God through the theology of the cross, he did so in terms of Paul's first letter to the Corinthians. There Paul clarified the very issue Luther had with the Scholastics (1 Corinthians 1:18-2:8). He saw them as trusting in their own wisdom to know the invisible through the visible, that is, through their philosophical understanding of God in nature, in visible things. They believed they could infer things about the very essence of God, his goodness, his purity, how he treated sins, and then rationalize out to everyday policies and doctrines, including how God forgives sins. This unholy alliance between Aristotle and the Scriptures interpreted by the Church could not lead to God in principle. Why? Because, since the Fall, mankind's knowledge of God is limited to seeing him at a distance in his creation. God has raised a wall of separation. God is hidden from the wisdom of men. He only removes the wall through the suffering of Jesus on the cross. Colossians 1:20 says, "and through him to reconcile to himself all things, whether things on earth or things in heaven, by making peace through his blood, shed on the cross."
When Luther talks about our sufferings, he is really talking about our being led to repentance, although in some of his early debate language he still shows signs of seeing suffering as a way to God. Luther at that point had not yet fully understood that Indulgences simply could not be harmonized with the Gospel. He was still trying to reform them. But he recognized that the humbling of repentance was the proper setting for this discussion.
When one considers how the Holy Spirit leads us to repentance, it is not only Christ who suffers and dies. We are called to die to our self-righteousness and our bent to going our own way. The Spirit kindly focuses on the sin that separates us from God (John 16:8). Why is this necessary? Because since Jesus opened a way for forgiveness, it means we must have sins needing forgiveness. If we are to walk together with God, sin that separates us must be cleared up. Yes, it is atoned for on the cross, but it needs to be talked about between us and God. He insists on leading us to take responsibility for our sins. There is no merit in this for us. Rather our refusal to hear the voice of the Spirit through the Word means we are refusing to be led to the cross.
Luther called this painful confrontation with sin the "alien" message of the Gospel. When God expresses his will in the Law we see how we fall short or how we have stepped over the line. His Law, like a mirror, shows us ourselves in the light of his presence. We begin to suffer the pain and guilt of facing up to sin.
God's solution for us is opened by way of the substitutionary suffering and death of Christ on the cross. When we see our sin removed we find that we actually know God as our heavenly Father. We are alive in him and he makes our hearts his home. We walk in the light with him, receiving his daily cleansing—open and in the light with him about all of our needs.
By the time Luther published his Small Catechism in 1529, he had moved fully into his understanding of the message of the cross and the theology of the cross. He didn't use the term "theology of the cross" in his writings after those earliest years, but he built the truth into all of his teaching. In the Small Catechism his teaching on repentance, and his teaching on how we can (or cannot) come to God, is down to earth and personal. "I believe that I cannot by my own reason or strength come to him, but the Holy Spirit calls me through the gospel…" It is foolishness, an offense and just plain frustrating to people who have not come this way, but it is experienced as the power of God by those who have been led to faith.
Rev. Robert Overgaard, Sr., served as president of the Church of the Lutheran Brethren of America from 1986-2001.


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- Diaz on successful shopping street. two locations to give the street (leased). house behind c / hall, kitchen, bedroom. herrmainetas quarter of the fund. free park, possible build up of the premises.
On Street
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Early Booking Offer
The Award Winning Leader in Escorted Worldwide Rail Holidays
In Santiago de Compostela, we stay at the NH Collection Santiago de Compostela.
Spain's spectacular northern shores yield a beautiful stretch of untouched coastline, rising proudly from the Atlantic Ocean. This tour takes you to some of the fantastic highlights of the region, beginning in the refined wine city of Bordeaux in France, and curling down across the border into the natural paradise of northern Spain.… see more
12 days from £2,595 ppView tour details >


text: To celebrate Colorado Pint Day we're tapping our first ever single hop IPA! This light bodied IPA is brewed with delicious and dynamic Centennial hops and a light grain bill to allow the hops to shine through with lovely hints of citrus, grapefruit and a light pine touch. To benefit the Colorado Brewers Guild, we're selling an extremely limited edition of this new IPA in specialty glasses, with $1 per pint purchased going to the Guild, while the customer (you, hopefully!) gets to keep the glass!


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It's chilly here on the wet coast. Temperatures are hovering around zero degrees. Nevertheless, I press on with Little Bear's refit. I want to be sailing when the weather warms up – not working on the refit.
To facilitate that goal I've created a project work-breakdown structure. This helps to combat the overwhelm that can sneak up when tackling a project of this size. Here is the plan:
The Red and Mauve boxes are catagories, the green boxes are 'purchase' items, and the orange boxes are 'to-do's'.
Obviously, there isn't much detail in the 'to-do's' but it gives me an idea of what I can do next and where I am in terms of completion.
I started work on the hull-deck joint and have removed all the old, brittle polysulfide material. Where the bulwarks curve down toward the deck the builders, or perhaps a PO, have used what appears to be putty to fill the gap. I will probably use a wire wheel to clean the putty and residual dirt out of the channel.
It occured to me that I could use a pressure washer, but alas, that would mean introducing MORE water to the inside of the boat. And that is something I don't' want to do.
Here's the vid: https://youtu.be/eJVBqyAcTkk
Fair winds, following seas, & God bless!


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Page Posts
- All Earth's Survivors on iBooks – iTunes
- America The Dead Survivor Stories Volume One Preview
- Breaking Bad
- EARTH'S SURVIVORS Books on I-Tunes
- Earth's Survivors Links
- Earth's Survivors on Overdrive
- Earth's Survivors Paperback links
- Earth's Survivors SE series at KOBO
- Flint of Dreams – Charles Peterson Sheppard
- Gordon's Pride – the NewEarth series
- The Zombie Killers on Kobo Dell Sweet
Author T X Grant
Author Dell Sweet
- Blogging with GeoIt has been a busy week for me, and a week where I accomplished no writing at all. That seemed strange at first, but I got so much else done that I decided it wasn't strange, just a temporary kind of new. I worked all week on remodeling, smashed almost every finger and thumb that […]
- A Good Plan.I have a plan. I think I spent a good portion of my life without a plan. Just sort of walking along, not really expecting much at all, at least nothing good. I had a larger view of the world that said, "What happens, happens. It's pretty much ordained, and so there is little I […]
- EARTH'S SURVIVOR'S AMERICA the DEAD: BOOK ONEBased on the series by W. G. Sweet Episode 1 PUBLISHED BY independAntwriters Publishing AMERICA the DEAD: BOOK ONE Copyright © 2013 by independAntwriters All Rights Reserved Writers: W.W. Watson, Geo Dell, W.G. Sweet, G.D. Smitty This book, in this blog format, is licensed for your personal enjoyment only. If you would like to share […]
- EARTH'S SURVIVORS The Nation#iTunes The Nation takes shape and the people who will build it, #ebook , I-Tunes https://goo.gl/eq1HjG
- EARTH'S SURVIVORS ApocalypseNight has fallen… You're all alone listening to the roving gangs, screams in the night… The dead… #Horror https://goo.gl/xzzFci
- Re-fretting a neckRe-fretting a neck… The first time the fretboard had been put under stress from the truss rod it had cracked straight through in three places. I had a choice to make, I had nothing into the neck, it is a good hard maple neck, straight, so I decided a look see to find out why […]
- Guitar Works Volume One: Finish Work Kindle EditionGuitar Works Volume One: Finish Work Kindle Edition by Geo Dell (Author) 4.0 out of 5 stars 1 customer review https://www.amazon.com/Guitar-Works-One-Finish-Work-ebook/dp/B00VF0RYJE
- Three scrap wood build by Geo DellThree scrap wood build by Geo Dell My next project, a three guitar build. One Tele style body, one Strat style body, one SG style body. Start to finish builds similar to the last SG build. They will all be similar finishes and designs, yet different. It will be fun and keep me occupied for […]
- FINISHING REPAIRS from Guitar Works and Geo DellFINISHING REPAIRS This section deals with repairs and or blending paints for repairs. The photos below are of neck repairs to a Fender CD60 acoustic guitar. The neck before the repair: There was wood and finish loss on the neck. The guitar was being built for a specific purpose and so there would be a […]
- DAW Digital Audio Work Stations you can get for freeDAW Digital Audio Work Stations you can get for free Audacity For the uninitiated Audacity is a free, open source DAW that takes audio recording back to its basics. It has seen massive popularity. With Audacity you can create multi-track recordings and edit them with effects for removing noise, stretching time, correcting pitch etc. Take […]
- Blogging with Geo
Category Archives: True Stories
Hashima Island
In the James Bond movie Skyfall, the abandoned Japanese island of Hashima serves as the secret headquarters of the Bond villain played by Javier Bardem. In reality the island serves as a sobering reminder of industrialization, war, and the human … Continue reading
Posted in Blogging, True Stories Tagged Fordec Labor camps, Hashima Island, islands Leave a comment
Hard books – True stories
Dello Green. Hired killers are invincible until they cross the wrong people then they are expendable https://www.amazon.com/dp/B01M8OT7QN Sanger Road Kindle. Carl leads a boring life until a carload of drugs and money falls into his lap https://www.amazon.com/dp/B01M6A8P7E Crime Time. Short stories … Continue reading
Posted in Apocalypse, Crime, Crime Fiction, Dell Sweet, Horror, iTunes, True Stories Tagged A collection of hard books, crime books, Dell Sweet, hard stories, true stories Leave a comment


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Mark Graban is a well known writer and blogger about Lean. His blog is well worth reading. He's written several books, and I plan to devote a future post to his Lean Hospital book.
This post is prompted by Lean Blog: Sports, a book that collects together some of his blog posts on Lean and sports. These posts fall into two categories. Some are posts either by him or by a guest blogger on lean processes within sports. These are enjoyable, but the more relevant posts for health and social care services are posts in which he uses some aspect of sport to illuminate Lean principles.
I was struck by two issues: his views on leadership, and on the nature of added value.
On leadership, Mark devotes several posts to considering leadership styles. He notes W. Edward Deming's view that one of the actions required in good management is to 'drive out fear'. He contrasts this with the 'management by threat' practiced by some sports coaches, and which can be encountered in health services. This also relates to Toyota's emphasis on respect for people. If coaches (or managers) browbeat staff, and constantly emphasise their perceived superiority over them, it's then difficult to engage them in improving the quality of their own work. Who can admit to a problem if it is seen as a personal weakness that deserves punishment?
Graban is not arguing that staff should not be confronted, or that managers should 'go easy" with them. Toyota refer to mutual trust and mutual responsibility, which seems very relevant to health and social care settings. Staff need to be given freedom to identify and resolve problems: if they aren't worth the respect implicit in working with them in an adult to adult manner, then it's unlikely they will feel any power to change how they work. The flip side of this is that it implies an obligation to take part in quality improvement processes.
The other example that struck me was on added value. Lean emphasises the reduction in waste, or muda. Waste is an activity that doesn't add value. As Mark Graban points out, the key issue is to first define value.
Who decides what value is in a health service? Graban gives the example of being able to boil a sports event down to a few minutes highlights. This doesn't mean that those who attended in person accrued no value from it. The atmosphere, the feeling of being involved, meeting with friends – all these might be a core part of the value for a person.
There's unlikely to be much value in waiting, but other decisions on the nature of waste in health services may be less obvious. If a nurse spends extra time with a patient in order to involve them in decisions on their own care, is that waste? Almost certainly not.
Do you have a view on the nature of waste in mental health services?
Photo courtesy of tungphotos at freedigitalphotos.net


text: OA Meeting – Mashpee Calendar Click to view map When: July 24, 2019 @ 6:30 pm – 7:30 pm Repeats 2019-07-24T18:30:00-04:00 2019-07-24T19:30:00-04:00 Where: Christ the King Parish Route 151 Jobs Fishing Road, Mashpee, MA (Back entrance near flagpole Conf. Room A) Contact: Barbara 508-548-4174 All are welcome. The first Wednesday of each month is a newcomer's meeting. Print or email this pageShareEmailPrint


text: Now's your chance to cast your ballot for the 2006 Game Console of the Year! Our Engadget Awards nominees are listed below, and you've got until 11.59PM EST on Monday, April 16th to file your vote. You can only vote once, so make it count, and may the best tech win! The nominees: Nintendo DS Lite, Nintendo Wii, Sony PlayStation 3, and Gamepark GP2X MK2.


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Web Designing Trends in 2015 and Predictions for 2016
The world in which we live around is always willing to accept new trends. It is not a standalone feature restricted to one particular thing. Then how can website designing and development stands behind? Customers accept a custom web development company for the trend-setting work they offer as output. There are many concepts in web designing & development that allow these companies to produce good output. Here we can discuss about some of such concepts that are used to design&develop websites in the present time, and in the coming years, as well.
Elegant UI patterns
Innovation is a term which is commonly connected with UI patterns. Responsive web designs, and WordPress websites have been blamed for the recurring of similar kind of patterns. There are some superb UI patterns that are well-equipped to offer customers some nice experience. The hamburger Menu, Account registration, Long Scroll, Card based designs, and Hero images are some of the most prominent UI patterns used in the present era to produce highly valuable websites. Among these card based designs are mostly spoken these days.
Pleasing Animations
Without using any high sounding words, we can easily explain the role of animations in a website design. Superior animations can smoothly convey the story of a website easily to users. Animations can be divided into different types such as large scale, small scale, loading, scrolling, non-scrolling, hover, motion, and even in the form of background videos. Animations in a website can be linked in multiple ways with the inclusion of navigation as well as another controls.
It gives users a smooth viewing experience. At times it becomes extremely useful for developers while constructing e-commerce websites. For instance, different side-images of single product can be produced before users without much effort by using the types of animations mentioned above.
Micro- interactions happens to be an essential part of any applications. This concept serves multiple purposes such as the indication of a status or feedbacks to the customers, and it also helps users in the dealing of some particular activities in a website. It is advisable to create these micro- interactions in website as natural as possible. Every user should come to use these micro-interactions in quite a usual way. This concept is very useful for all modern websites to communicate certain pin-point ideas to users.
Material Designs
Flat web designs have captured so much attention of web designers these days, and the material design is a trend initiated by Google against the flat designs. Most important aspect of a material design is that it does not base itself to an individual framework. Thus web developers get a chance to use a wide variety of tools while creating material designs. The use of cards plays a vital role in development of material designs. Anyway this concept is getting more acceptance these days, for it sets something different against the usual flat designs.
An article which showcases the highlights of web-designing trends used in 2015&16 will sound incomplete, if we forget to mention about responsive web designing and flat web designing. Echoes of both these terms are heard in our ears from last couple of years. Responsive as a play of HTML 5, and CSS has gained so much importance with the launch of devices having varied screen-sizes.
Flat designs having easy topography, vibrant colours, and aggressive minimalism are still popular these days. Hence a custom web development company gets immense chances to deliver high-quality websites to clients with the coming up of these innovative web designing trends in 2015&2016.


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The practice of achieving harmony
Training is in the process of repetitions. We initially do empty upper mind and soften heart, then attention put down into Tan Tien and at abdominal region save a lot of attention, because there is the second mind. This mind periodically trains at repetitions. Such long-term and long-standing practice in one word called Kung.
Training takes place in a state of meditation, and when the upper mind empty, then there flowing energy, takes a break for the recharging. Meditative state is passed from teacher to students, but exercise and meditation memorising in empty head is not very easy. One can rely on the second mind at abdominal region and train it.
The basis of Training is meditation in motion Tai Chi Chi Kung I - a form of "Thirteen Movements." Further, this form is filled with a different of Yin and Yang practices. Today Training Program consists of seven disciplines.
Workouts take place according to Schedule.
- Program of Tai Chi Chi Kung I
- Program of Iron Shirt Chi Kung I
- Program of Tan Tien Chi Kung
- Exercises for the recovery of vision


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Social Savvy Raver
So as you may or may not know, in addition to be a wild and crazy raver clad in anything from a neon bikini to bedazzled bras to lace / leather…I'm also adept in social media.
What has always confounded me, is how much time and effort agencies, Producers, DJs, and blogs put into maintaining a social presence…without ever bothering to track their progress. Simply hopping onto Twittercounter and charting success by follower count and number of retweets is all well and good…but are you really measuring your progress effectively?
Spoiler Alert: No, you aren't. And here's why:
Are you tracking all your mentions?
Chances are, if all you are looking at are retweets and how many people slapped the 'follow' button, you aren't actually tracking how many people mentioned you and endorsed you to their friends. In many cases, sharing links from Soundcloud and other music sharing sites do not always share and tag your twitter handle. Similarly, sometimes your fans can't remember your handle and simply tweet mentions of you with your name. Try searching for you name instead of just your hashtag.
Do you actually know which network you're having the most success on?
If you're going off of strict follower counts alone, you might not be valuing how many people interact with you on each medium, and not taking into account the value of interactions on more effective mediums.
Do you actually know how well-liked or influential you are?
Tools like Social Mention are able to track your mentions as well as sentiment by looking at how many positive, negative, and neutral mentions there are of your account. If you aren't sure if people actually like you or your brand…this is a pretty handy 'stats at a glance'.
Do you know who your advocates are? Or your most popular hashtags?
Chances are, you've been valuing your 'advocates' by their follower count. That is somewhat effective, but what you should really be looking at is who interacts with you most and what value they bring in addition to their follower count.
Finally, are you using any tools?
If you aren't you should. Klout, Social Mention, Twittercounter, Hootsuite, and Topsy are all free and extremely easy to use. Hopefully, by being smarter about how you track mentions and who your true advocates are, you can start to make smarter decisions on social (and heck, maybe even a return on the investment of your time and energy).
August 27, 2013 | Categories: Teachings of Mama Hound | Tags: DJ, Follower, help, hootsuite, insight, Klout, Producer, ROI, Score, Social, Social Media, social mention, topsy, Twitter, twittercounter | Leave a comment


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Cholestech CTEC, -10.00% is adding more than 15 percent to $8.65 after the Hayward, Calif., medical testing technology firm reported earnings from continuing operations of 15 cents per share for the fourth quarter, flat with its performance in the same period a year earlier. Revenue jumped 21 percent in the latest three months to $13.5 million from $11.1 million in the same period a year earlier. Thomson First Call doesn't publish a consensus analysts' estimate for the company. Cholestech added that it believes NIH (National Institute of Health) guidelines have "significantly expanded" its market opportunity by "defining the domestic adult population of people to be screened for high cholesterol as the 201 million Americans who are 20 years of age or older."
Cholestech shares in rally mode
Quote References
+0.00 -10.00%


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Worldprofit Home Business & Affiliate Marketing
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As you probably already know, being an affiliate marketer involves selling other peoples' products and being rewarded with a percentage of the value of the sales you personally convert.
For digital products the percentage of the sales value affiliates receive is relatively high, compared with the typical commission rate for physical products.
Digital product vendors whose products are featured on the Clickbank marketplace often reward their affiliates with more than 50% of the…Continue
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So one of the most important components of a product is its simplicity. Sendshark is very simple because of three things everyone understands:
[+] Every Business needs leads and to build a list
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Actually I have a problems myself with discussions and forums .Not feeling very strong about my English capacities ,to defend my view and opinion, especially in writng , it's why I would like to invite You all to at this topic not found what is the minimal price First dao less than $3.00 bonus? Port Elizabeth, South Africa link to the …Continue
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Did you know that in 1974, only 48% of newly built single-family homes had air-conditioning? Fast forward to 2010, and the percentage had increased to 88%.[1]
It's no secret we're using more energy today than we were 40 years ago, but there are still simple things we can do to help reduce the effect our energy consumption has on our planet.
One Hour Air Conditioning and Heating wants to make it possible for every American to do their part to conserve energy, and in honor of Earth Day (April 22) we've compiled a list of tips to do so. (Not to mention, conserving energy with these tricks will cut utility bills!)
Consider the following:
- Most of the electricity in your home is used by the heating and AC system, and water heating. Make sure your heating and cooling systems are running efficiently, and don't forget to check your central systems twice a year.[2] Be mindful of any AC repairs or furnace repairs you need to make.
- By installing a programmable thermostat, you can set pre-determined temperature levels that help save energy and improve your comfort (a must in the summertime!). When used properly, this device can save residents about $150 annually.[3]
- A duct system that is properly sealed can make your home more comfortable and energy-efficient. Make sure that the connections at vents and registers are well-sealed where they meet the floors, walls and ceiling. These are common locations to find leaks and disconnected ductwork that could be wasting energy and your money.[4]
- Consider investing in a high-SEER air conditioning unit before this summer. The Federal government developed an ENERGY STAR program for high-efficiency central air conditioning systems that, in order to qualify, must have a SEER of at least 14. These units save energy and money, and allow buyers to claim a tax deduction on the purchase.[5]
Call One Hour Air Conditioning and Heating today to learn about our special Earth Day offers and federal rebates for energy-efficient appliances.
[1] http://starthope.com/grow/?p=750
[2] http://www.mistersparky.com/electrical-tips/faqs.aspx#{3F1029F7-FBCE-4FF3-A352-C5A49F8AF411}
[3] http://sustainablechoices.stanford.edu/actions/in_the_home/programthermostat.html
[4] http://www.energystar.gov/index.cfm?c=home_improvement.hm_improvement_ducts


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Dominik Fellmann Discovered the art of film making as a 13 year old creating wrestling videos with friends on VHS film. This has in tern snowballed into his passion and career. It has been his passion to document his surrounds and show his view of landscapes, emotions, visuals, personality and everything in between. He is experienced in the mediums of digital and analog videography/photography and applies this into all of his works. Growing up with a heavy influence of snowboarding, sports filmography was a big draw. Analog Film and cinematic photography however became an aesthetic Dominik loved and started to apply it to non conventional styles such as snowboarding and other sports films. Shooting at 24f/s became a common application in everything he captured, due to his love of the style, as he now applies to all his current work.
Contact / CV


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Jennifer Fadamusa: A Student Success Story
Yesterday we had the pleasure of a visit from one of our most successful past students, Jennifer Fadamusa. We were so touched that Jennifer took the time out to come visit the place where her journey started. She took the opportunity to give some current level 2/3 Hairdressing students an inspirational impromptu talk and students were really motivated by her success.
Jennifer studied level 2/3 Hairdressing in our Wexford Academy from 2014-2016, and she was undoubtedly one of the most determined, dedicated and hardworking students to ever cross our paths.
Jennifer our student of the year 2016, worked to her utmost potential during her time here, even commuting from Cork during her second year, she had a goal and she was prepared to do whatever it took to achieve it.
Achievements: Jennifer graduated with a distinction in Level 2/3 Hairdressing Diploma and has since continued to soar higher. With her qualification gained here, Jennifer went on to work as a Hairdresser on the Disney dream Cruiseline ship where she worked for 8 months. Travelling the Caribbean with Mickey mouse in tow, Jennifer said she was living the ultimate dream of doing what she loves while also making a livelihood with some very impressive tips! The thing Jennifer loved most about her experience on the cruise ship was that she got to see so many beautiful places while having a healthy balance between her work and social life.
Bright Future: Jennifer has now secured herself a position as a Hairdresser in Headmasters in London with the opportunity to go into the Creative or Artistry team. With her great attitude and motivation its no wonder Jennifer has gone so far since graduating a year ago. The opportunities that come with this diploma are endless!!
How did Jennifer find her time here? "I loved it, it was a brilliant course with great tutors and a really supportive system"
Advice Jennifer would give to potential or current students: "DON'T give up, put your head down, it's hard work but so very worth it, it opens a lot of doors with so many opportunities"
It is so rewarding for us to see students do so well and that their time with us was the ticket to follow their dreams, stories like this are what Gainfort Academy is all about …this is what motivates us and always will