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Perfection has had a bad rap of late. We're also loving the look of distressed everything—wood, metal, leather—as a backlash or a balance against the perceived emptiness of much overly "perfect" industrial design. We tend to smile fondly at bobbles and wonky joins and imperfections as signs of humanity. And there's no end to the number of self-help books that tell us to stamp out—lovingly, of course—our inner perfectionists.
Perfection is cold. Imperfection is warm and human.
It's ironic, though, because the search for perfection is one of the most human of instincts. And while we know of the dark, dark side of perfectionism, that search for perfection is almost downright romantic, optimistic and generous. The difference lies in who you're doing it for. Is it for you, or something bigger than you?
That's roughly what was running through my head as I listened to Forest Dickey—designer, furniture maker and restless perfection seeker—talk about his work and his designs, and his relationships with customers. Because Forest is one of those people whose search for perfection takes him far outside of himself.
San Francisco-based Forest (who heads up his own firm, Varian Designs) crafts his three current collections of tables, chairs and benches out of sustainable, recycled, reclaimed and salvaged materials—think Kentucky whiskey tanks and Napa wine barrels—and steel.
He calls his designs contemporary rustic or rustic modern and talks about being inspired by bridges, barns and docks. Looking at his work, we can see it: the marriage of water to land; of romance to precision; of natural beauty to clean composition.
Talk about your start. I did my undergraduate study at the University of Chicago, studying fine art and art history. After college, I went to South Korea and taught English to kids. After getting back from Korea, I enrolled in woodworking classes at the University of Wisconsin (where I'm from). I was interested in working with wood in a more sculptural sense but discovered the wonderful world of furniture design along the way.
Were you interested in making things as a kid? Were your parents arty? My mom is an artist and both she and my father encouraged creativity. I grew up making things, drawing and writing. Plus my high school had woodshop (they didn't call it tech arts in those days). That was my first introduction to furniture making.
After school? I took classes, workshops, worked for Richard Wrightman in NY for a while (making modern campaign furniture), worked for Gail Fridell in Aspen CO, helping her make one of a kind custom tables and furniture. But I wanted to go to grad school, to focus a bit, so I went to San Diego State to work under Wendy Maruyama. Studying under her was just wonderful: she is a great educator, artist and person. While in school, I became more interested in the creating a business and career for myself in the field. I started Varian as my final thesis project and have been running it ever since.
Why? I find a lot of reward and satisfaction in producing functional objects people were comfortable with in their homes. I like it when people respect and use what I make. And from a business perspective, I believe it's more sustainable. So I created a line and a company and moved up here (the Bay Area) to bring it to life.
Who do you respect, who are your role models? Oh, there's a long list. Richard Wrightman, he's been a tremendous source of inspiration and advice. Gail Fredell, and Michael Fortune (particularly for his work in third world countries) are a few. It's a long list. The theme is that these are people who have found a way to balance art and commerce, and done incredible things over the course of their careers. Of a younger generation who I think are on the same path, Isaac Arms, Heath Matysek Snyder, Matthias Pliessnig, and Florian Roeper are certainly inspirational.
What are you really trying to achieve? What would you like to be doing more of? I'd like to scale up and produce more, make Varian bigger than myself. I look at Thomas Moser and McGuire and see their ability to keep their craft integrity as they expand. It's time, it's their ability to do high quality product over the years. As Steve Jobs said, "keep putting a good product in front of people and they will continue to buy it".
Not to be negative but do you really think there's a market? Yes, I do. I think that the 30-40 somethings have grown up with IKEA and while it's low quality from a craft perspective, it's brought a lot more attention to design, and there's increasing familiarity with. And now that they're older (and making some money), these IKEA graduates need something that's higher quality and just as high (if not higher) design.
What's your most popular piece? The Bartizan desk is the most popular piece, and I think that comes back to design. There's something compelling about the design: it's a bridge leg design, and for some reason, people respond to that. It touches something in them.
Speaking of Bartizan… the naming for your products is great. Broen, Dagda, Eir… I have Scandinavian roots, and lots of the names come from that. There's a lot of Celtic naming too. And Varian? Where does that come from? Varian… that was my late grandmother's name. I wanted to honor her by building something worthy of her name.
Your influences? A lot comes from growing up in Wisconsin. Frank Lloyd Wright was an influence too.
But it also comes from my family. My uncle and grandfather had built a good many docks, and I think that seeped into my subconscious. I never really thought about docks as things of beauty… Permanent docks, and yes they can be.
But I get inspiration everywhere. There have been a couple of wonderful wood design books that have been very inspirational, one, that is out of print but that you would really, really love is called "The Language of Wood" it is Finnish and has wonderful images of Scandinavian designed objects ranging from axe handles to children's toys. It spans hundreds of years, including modern and very, very old objects. The second book is called "Wood: New Directions in Design and Architecture" by Naomi Stungo. Really great book. Those two books as well as Yves Chouinard's book "Let My People Go Surfing: The Education of A Reluctant Businessman" sent me in my current direction.
And then there's Apple. Really? Yes. Their products show us how people can build an extremely strong bond with objects. That's really interesting and I think pertinent to furniture. People really fall in love with objects that enrich their lives in some way.
There's a real sophistication and refinement in your work. It's very contemporary but not trendy. I try not to be "fashionable" in my work. Good design withstands the test of time and is comfortable in a variety of settings. I think people respond to clean modern lines with weathered, rustic wood material. I think the mistake some designers make is to just want to display the material… but that's not real design. Design is the transformation of materials into form. People respond to something that's been developed, thought-through, designed and then crafted.
What's your favorite part of your process? Designing is most fun: I really enjoy the prototyping process. But I also like the rush of delivering something to clients that they enjoy. I also really like working with clients. The relationship, the bond is built over time. There is also a point, somewhere in the middle of building a piece, where it begins to take a final shape… that is a good point for me. Before getting bogged down in the stress of deadline…
How do you decide what to design? If there's a gap, I'll seek to fill it. Sometimes it'll be client driven sometimes I'll just think, gee, I'd love to make a chair with arms.
What's your favorite piece? I love that desk. I'm constantly making it better, and it's not the same thing every time. Porsche's been fine-tuning the same designs for over 60 years. As Americans, we expect something to be perfect all the time the first time, and if it's not, it's a failure. But the reality is that true, true quality is a process of refinement. People aren't familiar with that process.
What are you reading? The Orphan Master's Son, about Korea. I read a lot, maybe 1-2 books a week. Mostly fiction, some sci-fi. I recently re-read Michael Chabon's "The Yiddish Policeman's Union." I really love that book; his prose is breathtaking. I've read it three times and each time I discover something new and wonderful. I get a lot from rereading. It helps me understand just how perfectly crafted some sentences and passages are… I love that.
And music… what's on your playlist? Springsteen. I listen to a lot of Bruce. Again, a guy who has worked and worked and worked over time. He followed up "Born to Run" his biggest commercial hit, with "Darkness on the Edge of Town." I respect his ability to change direction and evolve while maintaining ownership of his material. Amazing really. There's a lot of contemporary indie rock, a lot of irish rock. And Dylan.
Who plays you in the movie of your life? God, how do I not sound pretentious? Robert Downey Jr. I love his onscreen persona, I just like him. He's a versatile person and I hope I am as well.
Genre of film? Sci-fi–dystopian sci-fi. I read a lot of comics, too. I'm a super hero buff.
And 5 objects that define you?
- A book of some kind
- Soccer cleats, soccer has always been an important part of my life.
- Jeans (those Japanese ones made on vintage machines? Nah, I'm not picky.)
- A chair. I really love chairs. It's really hard to design chairs. I love Jean Prouve for his design, and Sam Maloof for the comfort, his craft and his success. We lost him recently and he is missed. The challenge with chairs is that they take so much abuse. Making something strong, comfortable, functional, AND original. That's a big challenge.


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This amazing home is located in prestigious First Shaughnessy, close to 6000 sq.ft 6 bed+Den and 7 bath home situated on a rare 92.63xl43.7 (13,310 Sq. Ft) comer lot must be seen to be appreciated. This renovated Gem offers a very private Park-like setting with a bright Sunny S. exposure (back yard) with a Hot Tub, chefs dream kitchen with Double Sub Zero Fridge, Warming oven, Wine Fridge, Wolfe 6 Gas burner stove, also it is a entertainers dream with Grand Living and Dining rooms. This prime location home is mere steps from the Arbutus Greenway and public transit. Close to all best schools Shaughnessy Elementary, PW, Point Gray and Top Private Schools are just moments away. Come and see this Meticulously Maintained Home with Beautifully Manicured Garden. It is a MUST SEE!!!
Taxes (2018): $23,636.29

subset: commoncrawl


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A&F Newsletter
Fall 2003
Scholarships established with gift from estate of Craig Newman
When Craig Newman planned his estate, he provided for young people who would someday provide leadership to their families, careers and the Arkansas City community. Craig D. Newman, 54, died on Aug. 10, 2000. He was born and reared in Arkansas City and was the son of Earl G. and Jean D. Newman. Craig graduated from Arkansas City High School and Cowley County Community College. He lived and worked for a time in Colorado, including working as a vice president in a bank in Grand Junction. He returned to Arkansas City in 1993. Craig's interests included reading and collecting books, history, environmental preservation, science and botany, among other things.
Cowley recently received a sizable gift from the estate of Craig Newman to be used exclusively for scholarships for Cowley students. These scholarships will help literally hundreds of students over the years to attain their educational and career goals. Initial scholarships will be awarded in the fall of 2004. In recent years, Craig established and/or donated to several scholarships in honor or memory of family members, including the Earl Newman Memorial Golf Scholarship and the Jean Newman Scholarship. Craig's kind and generous spirit will be with us always.
Richard Colquhoun Scholarship
The Richard J. Colquhoun and the William R. and Kelly Olson families have established the Richard Colquhoun Scholarship, to be awarded to an Arkansas City High School student on the Cowley golf team. It is a one-time $500 scholarship.
Fall 2003


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After a miserable summer at the box office, theaters were packed with moviegoers excited to voluntarily dive face first into clown-based trauma. Director Andy Muschietti's adaptation of Stephen King It has already racked up record breaking numbers and warm reviews and naturally the filmmaker has an idea of where things will go next.
In an interview with Entertainment Weekly, Muschietti laid out some details on what's to come. We'll still see the kids from the first film, but they're going to exist in the memories of the Losers Club.
"On the second movie, that dialogue between timelines will be more present," he said. "If we're telling the story of adults, we are going to have flashbacks that take us back to the '80s and inform the story in the present day."
The director stresses that the kids aren't going to just be back as a novelty. According to Muschietti, "they're a very big part of the action." In his telling of the story, things go to a darker place for Mike Hanlon (played in the first movie by Chosen Jacobs) with a future bleaker than the source material.
"My idea of Mike in the second movie is quite darker from the book," said Muschietti. "I want to make his character the one pivotal character who brings them all together, but staying in Derry took a toll with him. I want him to be a junkie actually. A librarian junkie. When the second movie starts, he's a wreck."


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National League is back!!!
Come out on Saturday September 25th to support the pros as New England takes on Chicago!!
1st match 5:00 pm Camden Riviere vs. John Lumley 6/4 5/6 5 4/6
2nd match 6:00 pm Tony Hollins vs. Will Hopton 6/4 6/3
3rd match 7:00 pm Riviere/Hollins vs. Lumley/Hopton 8/4
Call the pro shop (401849 6672) or email ( firstname.lastname@example.com ) to book a seat to the matches!!!
Watch it live at: http://www.ustream.tv/channel/national-league-2013-new-england-vs-chicago


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Reading the Tea Leaves: Model Uncertainty, Robust Forecasts, and the Autocorrelation of Analysts' Forecast Errors
58 Pages Posted: 28 Jan 2010 Last revised: 11 Aug 2015
Date Written: August 1, 2015
We put forward a model in which analysts are uncertain about a firm's earnings process. Faced with the possibility of using a misspecified model, analysts issue forecasts that are robust to model misspecification. We estimate that this mechanism explains approximately 60% of the autocorrelation in analysts' forecast errors. The remainder stems from the cross-sectional variation in mean forecast errors and in analysts' estimation errors of the persistence of earnings growth shocks. Consistent with our model, we find that analysts learn about some features of the earnings process but not others, and this learning reduces, but does not eliminate, the auto- correlation of forecast errors as firms age. Other potential explanations for the autocorrelation of analyst's forecast errors are rejected. Our model of robust forecasting applies not only to analysts' forecasts but to all model-based forecasts.
Keywords: Model uncertainty, parameter uncertainty, forecasting, robustness, financial analysts
JEL Classification: G14, G24
Suggested Citation: Suggested Citation
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Rebecca Montalti
You are hereHome
Rebecca was born in England and grew up on the south coast of Sydney, developing her down to earth nature surrounded by the bush and ocean. She has recently played the lead role of 'India' in independent feature film, 'Ambrosia' directed and written by Rhiannon Bannenberg. Ambrosia then went on to win several awards at international film festivals. Rebeccas most recent role was in the coming of age teen surf movie, 'Riptide'. Inspired by an impromptu course at NIDA, Rebecca then went on to study acting full time at Actors Centre Australia which only enhanced her appreciation of working in an ensemble, telling stories and creating her own work. With her curiosity and love of travel, she has always had an appreciation and love for humans from all walks of life and a forever-increasing desire to share their stories past and present with a variety of audiences.


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peter sarstedt stole your baitbox. sandy denny just put him up to it. is that the desolate diana in the photo, or the last scene from planet of the carps? it sent the shivers through me, carp with glass eyes swim in there don't they? bob's mate had a 26, (or was it a 19 common?) with anal fin syndrome out of there last week. summer was dead on arrival here, and now its carcass is heaped in the fields and burning under a moon like a blood orange. i've piped a new stove into the caravan and fish with the LL bean mittens on soon as that sun plunges like the last R101, well before the french shopkeepers lock up now. the air smells of after-plough; first forest harvest in the wicker basket:
mushroom clouds on north east collision course put the cold slap on penelope pit and a couple of blanks had me on late nights in the r&d lab. sometimes you just have to take them by surprise by doing the obvious, so i stayed put in the double-30 swim when the fish were crashing on the opposite bank like bath time for aquaphobics. i tweaked the set-up to get more bleeps and last wednesday well into black-out an sos came through, this one was a zeppelin, armed to the pharangeal teeth and it went down to hand-to-hand as the wind sang through the line, a hired 40 on a no-win-no-fee mission:
paperwork and the yearly garden/barn and general tidy-up meant i missed the last chance waxing days and wednesday saw me heading for the pit through a wall of cold rain, the one thing the carp there despise. so i do too. cold piss on a full moon, so soon as i saw the pall of grey spounge over the eure valley i turned back, headed for home, avoided a straffing and got some proper kip for once. next day the clouds broke so i taxied the hurricane out of the barn again, fully armed from the day before, arriving at penelope as the sun rolled the pitch. north east wind barking like ridgebacks. a 3-rod day i thought, something i do in a blue moon, a lonely hearts way of fishing, but out the third rod went, into a 12foot hole in the wind. by 9 o clock the wind had got to me and a full moon was draped in flowing chiffon. the racket off the route nationale was what chainsaws are to rainforests, so i actually backtracked to the hurricane parked back of the swim to turn the radio on for a time check. it always works, that or a piss when you've hovered on the rods expectantly for hours: the left hand buzzer gave me three bleeps to the wind and i hit a good fish running. it's on the mat after shooting out my auxilliaries, and i'm saying to myself could be another 40 here when the blue moon rod goes off in the hole. i hit that one and let it run on a tight clutch, came back and dealt with this one when, you've guessed it, you can see the red middle buzzer light in the picture, just come on by the carp's nose before i've even time to lift it:
i'm on a hat trick with a possible upper-30 plus i've no time to weigh, two fish on collision course, more penelope madness:
the 3rd one's way off in the night and the dogs lost the scent.
weekend was spent on autumn rituals; me and laure trimming and clearing the trees round my pond, cutting firewood and stringing the onions. this is hugely satisfying work. telling winter we're ready. even the cat has got his fluffy leggings on, burying his shrews like a squirrel then digging them up when we're looking, throwing them in the air like his own penelopes, even fooling himself they're still alive, a moggy off the old block...
it's days on half pay now, watching the skies, the oak apples thrashing my pond in bursts whenever a convoy of crucians glide under it. monday morning, no work's come through, unsteady rain, and i think i'll go roach fishing.
chestnuts on an open birdtable
Monday, October 1, 2007
Blue Hearts, Lonely Moons
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Hello folks! I have some fun introductions to share this month. First off, I'm happy to introduce Siskiyou Seeds and Flower Farm. Siskiyou brings together organically grown, non-GMO flower and vegetable seeds saved by small farms out west. We're thrilled to be sharing Siskiyou Seeds in our monthly newsletter giveaway raffle (more info. here). Please welcome Stacey Denton to the blog for a special Q & A!
Q: Can you share a little about your background and why you love seeds?
Stacey: So, when I was in my early 20's I dedicated myself to working with plants. I studied Ecology in college and quickly became serious about gardening because of my desire to grow vegetables and herbs for my own sustenance and medicine. Then, the siren song of flowers lured me in.
My partner Don Tipping owns Siskiyou Seeds, but before we were romantically involved I grew cut flowers and selling flower seed to him naturally evolved from my flower excess. I've been growing a large diversity of flowers and foliage, and doing design work, for about 10 years. I'm fascinated by seeds because they are little bit of magic in a tiny, mysterious package. I plant a seed in soil, it miraculously germinates; I protect it; it grows and produces flowers; the flowers become a home for insects or provide pollen and nectar to them; seeds set and ripen; I collect the seeds and protect them, until it's time to plant them again. It sounds simple, but it's a process fraught with risk and peril. Yet it somehow succeeds and every year I have an abundance of beauty, food, and medicine, maybe not exactly in the way that I intended, but always enough to share. I like seeing a plant go through its entire life cycle. I also like knowing that the seed I rely on is organically grown, open pollinated, and open source (not patented or trademarked).
Q: Is there a story behind the name Siskiyou?
Stacey: Siskiyou comes from the Klamath Siskiyous, the name of our bioregion. Here in Williams, OR we sit at the foot of Grayback Mountain, which is part of what's known as the Siskiyou Crest. We are at the edge of a wild and precious landscape, the second most biodiverse region in the United States, and think of our seeds as reflective of this place, hence Siskiyou in the title of our seed company.
Q: What makes the place(s) where you are growing well-suited to serving as a "seed farm"?
Stacey: Well, we have hot, dry summers and moderately cold, wet winters (Zone 7). We are just about 50 miles from the border with California. Our climate allows us to grow a wide diversity of crops free from major fungal problems encountered in more humid regions, and our seed matures well because we usually have dry weather into October.
Q: What makes your seeds special? (organic, open pollinated? -whatever you'd like to share that sets them apart)
Stacey: Our seed is certified organic, open pollinated, and non-gmo. Our home farms, Seven Seeds Farm and Flora Farm, utilize biodynamic farming principles/practices. Several of our varieties have been bred on-farm and those seeds that we don't produce ourselves come from our network of organic farms, mostly in the Pacific Northwest, but entirely within the United States.
Q: Do you have any interesting facts to share about your seeds, the farms involved, your location, etc?
Stacey: We know the farmer (or we are the farmers) who grew every one of our seeds. Seed farming is much like flower farming-- supporting domestic producers ensures higher quality produce, helps maintain genetic diversity, and is key to the survival of family farms. In addition, we offer things that we like to grow and since Don does breeding work, we are in a constant process of varietal improvement, trialing new varieties, and seeking feedback from our customers about what varieties they are looking for. We appreciate having a tight feedback loop with our customers who are looking for specific varietal traits or are wanting to access hard-to-find organic seed.
Q: What kinds of plants are you most excited about for cut flower growers? Is there anything unusual that you suggest people try? ---I'm going to try growing quinoa for arrangements this summer after seeing photos on your website. --That seems pretty different, but maybe I'm wrong ;)
Stacey: We're always excited about multi-purpose plants. Take your quinoa example, for instance. It makes a gorgeous fresh-cut spike, it also dries well and holds it's color, and to top that all off, it makes a high protein, edible seed! Feed it to poultry or wash it for eating at home. Awesome. You can both grow stems for cutting and still be producing food for your family (of course, you just have to reserve some of the stems from cutting).
In this vein, we're also excited about cress, amaranth, dill, atriplex, basil, calendula, sunflowers, zinnia, cosmos, marigolds, barley, wheat, sorghum, millet, daisies, dahlias, and asters. All of these plants are edible (think restaurants, b&b's, and wowing your guests) and many have fascinating forms, texture, and flavor.
Thank you, Stacey for this great introduction. To learn more about Siskiyou and browse their seed collection, please visit www.siskiyouseeds.com. Follow Siskiyou on Instagram at @siskiyouseeds or Stacey at @floraorganicflowers .


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Since 2010 Green Ukraine have checked more then 400 different Ukrainian documents (driver licences, flight tickets… but mostly Ukrainian passports). These are examples of the most common scams with Ukrainian passports. In this gallery you can see only fake Ukrainian passports.
If you have a deal with Ukrainian ladies but they look suspicious (start asking money, some favor, material help etc.) don't risk. Ask her to send a copy of her passport and we will check it.
Check Ukrainian passport


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Picture Books
"My little baby bear,
Will you go to sleep?
You want to giggle with me,
As I count the sheep!"
Have some bedtime giggles with your little baby bear while reading this warm and tender poem.
Written with accessible language and an easy syllable count for an easy read aloud for adults to have success with.
The book works well with a drum to sing the poem together as a group.
A set of wall decals and a matching card game are also available for this book.
Book Dimensions: 8in x 8in
Pages: 16
First published in 1984, a picture book in which the Little Mouse will do all he can to save his strawberry from the Big, Hungry Bear, even if it means sharing it with the reader. The Little Mouse and the Big Hungry Bear are known and loved by millions of children around the world. Little Mouse loves strawberries, but so does the bear...How will Little Mouse stop the bear from eating his freshly picked, red, ripe strawberry.
Black bears, grizzly bears, and spirit bears all make their home in the Great Bear Rainforest. A Bear's Life uses Ian McAllister's stunning photographs to follow these beautiful animals through a year in the British Columbia wilderness—catching fish, eating berries, climbing trees and taking long naps.
"The incredible close-up photos lead the reader from spring to fall in the rainforest as the easy-to-read text introduces each unique and special aspect of the bears' home...Impressive presentation. The writing style is especially inviting to younger readers...Hopefully this author-photographer duo still have more to offer all ages about British Columbia's endangered rainforest as a way to encourage conservation efforts. Highly Recommended." — CM Magazine, April 2017
"The heart of this album is [McAllister's] photography: two beautiful landscapes showing the pristine Great Bear Rainforest bookend many, many close-ups of bears…An appropriate companion to Wolf Island to nourish the sense of wonder." — Kirkus Reviews, May 2017
"Read emphasizes how much time it takes for cubs to learn survival skills from their mom and the importance of a balanced ecosystem…McAllister's close-up images of the creatures and the forest radiate with energy and atmosphere, in part because of the clean layout, which lets them shine…A title sure to be enjoyed over and over again. An easy pick for nonfiction animal collections." — School Library Journal, June 2017
"A Bear's Life is highly recommended for school and public libraries for study units and for story times. This book would enhance study units on bears, ecological systems, rainforests, indigenous mythology, the Raven, and photography." — Resource Links, October 2017
Educator Information
A Bear's Life is the second book in the My Great Bear Rainforest series.
Recommended Ages: 5-8
Additional Information
32 pages | 10.75" x 8.75"
A fun and lyrical celebration of the caribou.
Once common in the northern United States, caribou are more closely identified with the Canadian arctic – and with Lapland, where their domesticated relatives, reindeer, are essential to the lives of the indigenous people. Through art and rhyme, this book celebrates the strength and beauty of one of nature's great survivors.
"..an unusually attractive and, ultimately, informative book, certain to engage young readers and instill in them a feeling of respect for these lovely creatures and their environment" -Marcia Hupp, From School Library Journal
Educator Information
Nature and letters come together in this enchanting classic about the mighty caribou, one of the great symbols of the arctic wilderness. It's a counting book too--follow the number of hoof prints through the letters of the alphabet.
Also included are a compendium of caribou facts and a new afterword about caribou in the twenty-first century. Journey into the magical world of the caribou, North America's own reindeer.
Both an alphabet book and a child's nature book.
Additional Information
32 pages | 9.00" x 10.00"
A for Adventure was written to empower children (in a fun way) to move, to get physical, to hike, bike and explore the natural world. The high energy A-Z rhyming verse format takes children through a wide range of activities from biking, canoeing and dancing to hiking, jumping, kayaking, riding and surfing – to ziplining! In addition to these activities are wider adventure concepts eg "E is for Exploring, you need not go far/because you'll be exploring wherever you are…" and "Q is for quest, to bring out your best/often adventure can be quite a test…" (All verses are six line stanzas).
The main themes centre around three tenants: curiosity, creativity and resiliency which the authors believe are inherent in engaging in adventurous play. The book encourages discussion of topics that include facing your fears, protecting the planet and self-confidence to name a few.
The authors have partnered with Parks Canada to travel across Canada promoting parks facilities and family activities. They will also be doing school readings and speaking engagements. CBC will be lending support with local and regional publicity/media. Other partners include MEC, Helly Hansen and Chevy Canada. Social media on-going.
A Night at Hideaway Cove is a sequel to Hideaway Cove, another exploration of the Pacific Northwest Coast during the daytime. Written by Brenda Boreham, and illustrated by Laura Timmermans, both books share with us the many interconnections within a healthy marine ecosystem.
32 pages | Hardcover
A Night at Hideaway Cove is a sequel to Hideaway Cove, another exploration of the Pacific Northwest Coast during the daytime. Written by Brenda Boreham, and illustrated by Laura Timmermans, both books share with us the many interconnections within a healthy marine ecosystem.
32 pages | Paperback
A beautiful new counting book by an award-winning author!
There is so much to count at the seashore - one lighthouse, two freighters, three eagles - and on and on, until you get to ten. Then a pod of orcas explodes out of the sea - so many, you can't begin to add them up. But wait. At the end of the day, you can count from ten all the way down again, as ten sailboats, nine fishboats, eight beach umbrellas - and on and on - gradually settle for the evening or pack up and drift away.
A gentle and poetic counting book by the award-winning author of Waiting for the Whales and Jessie's Island, Sheryl McFarlane's A Pod of Orcas is just the right bedtime read for eager little counters. Artist Kirsti Wakelin makes her picture book debut with exquisite watercolor paintings that glow with dreamy light and warmth.
Parents and educators will appreciate the simple, yet effective design. Each number appears spelled out and in numerical form. And small pictorial "clues" will lead pre-readers to every counting subject.
Additional Information
10.00" x 9.00"
Contrary to her mothers advice, Allashua decides to challenge the Qallupilluit, an imaginary Inuit character who lives under the sea ice near her home. After a surprising turn of events, the entire family is now free to fish on the ice because legend tells that children with their parents may never be captured, and a "promise is a promise."
Additional Information
32 pages | 8.00" x 8.00"
The young Inuit child Moshi longs for a pet dog like the one owned by her friend Jessica. Moshi''s father explains that the puppies that Nuna, their missing sled dog, is expecting are work dogs not playthings. While out walking, Moshi and Jessica are surprised by a sudden whiteout. Nuna finds the children and leads them to shelter in a small shed, where the dog is keeping her puppies. While the girls huddle with the pups, Nuna runs off, soon returning with rescuers. Praised by her father for thinking "like an Inuk" to survive the snow, Moshi happily chooses a pup--deciding she would rather have a sled dog than a pet.
Additional Information
32 pages | 10.00" x 8.00"
Once, humans and whales made music together . . . but that was long ago.
Glashka is the only one in her village who can hear the voice of Narna, the whale. That gift leads her to great responsibility one day, when she discovers thousands of whales trapped in an inlet. The narrow route to the sea is rapidly icing over, and every day ice covers more of the open water the whales need to breathe. There seems to be no way out. . . . This story, based on an actual event, tells of a dramatic rescue--a tale of bravery and faith and the power of music.
"During the winter of 1984-1985, nearly 3,000 beluga whales were trapped in the Senyavina Strait of Siberia--and saved by the bravery and persistence of villagers and the crew of a passing icebreaker. Schuch, a musician, turns this episode into a picture book by casting a child as heroine. Glashka has always been able to hear music in her head, and the ""old ones"" of the village tell her she hears ""the voice of Narna, the whale. Long has she been a friend to our people."" Glashka uses this talent to find the trapped whales and then to discover the secret of saving them. The plotting and diction are a little trumped-up, but on balance the text is tender and moving, and debut illustrator Sylvada's heavy oil paintings readily transport readers to the bitter winter days of Siberia. Emphasizing the changing light and the textures of characters' clothing instead of individual expressions, the illustrations cast a mood that reinforces the sober issues of the text." - Publisher's Weekly
Educator Information
Recommended Ages: 4-7.
Additional Information
32 pages | 11.00" x 8.00"
To the sea, to the sea,
who or what waits here for me?
Pairing two dozen of Carol Evans's wonderful watercolours with a lilting rhyming story by Caroline Woodward, A West Coast Summer tells of a timeless, idyllic season where "Sea salt in the air floats everywhere / and cedars smell so sweet beside the shore." Children race bikes along sand flats, search under logs and in tide pools for tiny creatures, jig at the dock for herring, dance at a totem raising ceremony, pick berries, make memories and leave footprints in the sand.
Evans's illustrations capture the jubilation of children exploring the seashore, inspiring young readers to take their own journey to the sea to discover who or what waits for them in the Pacific Northwest—and learn that the best memories are those shared with family and friends.
Readers of all ages will enjoy this charming collaboration, sure to become a West Coast children's classic.
"A West Coast Summer is simply magical! You'll find yourself transported into the wonder of a perfect day by the ocean. A must-have for anyone who loves to play!"— Robert Budd, co-author of the Northwest Coast Legends and First West Coast Books series
"I have long admired Carol Evans's art. What a treat to see her paintings in her first book for children. The light, the ripples of water, the joy! Evans's paintings vibrate with the magic of rocks and tide pools as seen from a child's point of view. Accompanied by Caroline Woodward's lyrical text, this book feels like author and illustrator take the reader by the hand for a wondrous walk in the sunshine. A must-read, not just for West Coasters but for all who want to experience the beauty of wild Pacific shores." — Margriet Ruurs, author of Stepping Stones: A Refugee Family's Journey
Additional Information
32 pages | 8.50" x 11.00"
A Whale's World follows a pod of spy-hopping orcas as they explore the ecosystems of the Great Bear Sea while hunting for their next meal. Past rocky shores and through kelp forests, they observe foraging wolves, hungry grizzly bears, curious black bears, graceful fin whales, splashing porpoises, slippery seals and other members of the Pacific coastal food web. The book gives readers a fun introduction to the many ways that marine and land animals interact with their environments and with each other.
Educator Information
This is the fourth book in the My Great Bear Rainforest Series.
Recommended Ages: 5-8
Additional Information
32 pages | 10.75" x 8.75"
Are you kind?
In a series of simple yet evocative questions, this impactful book asks children how they will show kindness and consideration for others. Written by the editors of Pajama Press, and illustrated by celebrated Pajama Press artists, these stunning pages inspire meaningful discussion and storytelling about the understated yet powerful ways in which children might influence the world around them. A World of Kindness goes beyond mere rhetoric to examine, in a child-friendly way, everyday social interactions where a kind word or act could have a transformative affect on others.
Royalties from the proceeds of this book will be donated to Think Kindness.
Many of the original images in this book have been donated by the artists. The cover art was created and donated by award-winning author-illustrator Suzanne Del Rizzo. Some other artists whose work is featured include Brian Deines, Kim La Fave, Manon Gauthier, Tara Anderson, Rebecca Bender, Francois Thisdale, Wallace Edwards, and Dean Griffiths.
"A tool to spur kindness conversations..."—Kirkus Reviews
"Every page of this book has a unique style of artwork....The settings and children featured in each scene reflect a diversity of cultures....Every child (and parent) could benefit from this book."—Resource Links
"The real strength of A World of Kindness is its art...each illustration in its own way and style authentically highlights the joy of kindness...Preschool and Kindergarten teachers will find that A World of Kindness makes a lovely companion to now-classic picture books on kindness such as Have You Filled a Bucket Today?"—CM Magazine
"The ideas are simple, but they're also transformative and profound, and the depth and diversity of illustrations on this book provide another layer of richness, making A World of Kindness a deeply meaningful read."—Pickle Me This
"The questions are asked of young readers, and the illustrations inspire quiet conversation about the many ways we can show kindness to others...Empathy and kindness can be severely lacking in these divisive times, and we can often look to children to show us the way."—Sal's Fiction Addiction
Educator Information
Recommended Ages: 3-6
Additional Information
32 pages | 10.00" x 9.00"
The About Habitat series for the very young highlights the defining characteristics of habitats, including the plant and animal life, using examples from around the world.
Award-winning author Cathryn Sill and her husband, noted wildlife illustrator John Sill, offer young readers a first glimpse into desert habitats. In simple, easy-to-understand language, this guide teaches children what deserts are, what kinds of animals and plants live there, and how certain species have adapted to the unique challenges of surviving in this harsh environment. John Sill's beautifully detailed, full-color illustrations reflect the diversity of desert topography—from the vast dunes of the Arabian Desert to the rocky Chihuahuan Desert in the southwestern U.S.—and the astonishing varieties of desert wildlife.
A glossary and afterword provide young readers with further fascinating details on the desert, its creatures, and its conditions.
- Best Children's Books of the Year ― Bank Street College of Education, 2008
- Society of School Librarians International Book Awards (Honor Book, Science K-6) ― Society of School Librarians International, 2007
"A great choice for beginning readers and for sharing aloud, this elegant blend of clearly presented facts and starkly beautiful paintings makes an informative introduction to a harsh environment and the adaptations made by the plants and animals that live there." — School Library Journal
"...this handsome book introduces deserts...some of the paintings focus on particular plants or animals, while others show broad landscapes, but all are well composed, delicately colored, and sensitively lit...accessible to very young children as well as older students, this provides an appealing introduction to deserts." — Booklist
"Cathryn and John Sill are all but unequalled in their particular style...luscious watercolors are beautiful, sometimes bordering on the spectacular." — Bristol Herald Courier
"Great for reading aloud, this simple but informative book introduces littler kids to arid landscapes for the first time." ― Letter Blocks, Barnes and Noble Newsletter
Educator Information
With simple text and language, and strong picture support (paintings), this non-fiction narrative teaches children what deserts are and what kinds of animals and plants live there.
Recommended ages: 3-7
Series Information
This book is a part of the About Habitats series, which introduces children to specific habitats and their living and nonliving components.
Additional Information
48 pages | 10.00" x 8.50"


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Content Calendar Workbook: Food & Drink 2019
Content Calendar Workbook: Food & Drink 2019
In this instant downloadable PDF, we'll share a year's worth of happenings related to the the food & drink industries to help align your brand with media and social media opportunities, as well as blogging ideas.
Perfect for: Restaurants, caterers, hotels and resorts, food bloggers, lifestyle bloggers
*PDFs are automatically delivered via email immediately after purchase.
What you get: A 30 page PDF* with social media, blogging, and PR opportunities based on monthly and daily holidays, hashtags, and high profile events that are related to food & drink. Also included is a list of story ideas and a printable calendar get you started with developing your editorial plan, as well as space to brainstorm your own ideas. Never miss another "National Pizza Day" again!
Recommended display/printing: Our workbooks are designed to be enjoyed like a physical book. We recommended displaying this document on your screen as a spread. When printing, print double-sided for ease of binding.
Need a custom calendar? Visit our content marketing page for details.
*Digital is always evolving, and that's why all of our digital products purchased through this website include free annual updates, as well as any updates made throughout the year! Just make sure that the email address you provide is correct, and you'll receive a fresh download as it is offered.
Copyright (c) 2016-2018, FACTEUR PR, LLC. Not for resale or unauthorized duplication. This document and all related content is protected by intellectual property and copyright laws.


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The Scar Test
Soho Theatre
Reviewed – 6th July 2017
"an urgent and important message that everyone should hear"
The Scar Test presented by Untold Arts and directed by Sara Joyce was a fantastically honest production reflecting how refugees are treated from individual female perspectives. Written by Palestinian-Irish playwright Hannah Khalil the production was centred around verbatim interviews with women detained in the Yarlswood Immigration Removal Centre. The play explored the injustices and humiliation faced by refugees and portrayed an important message. The narrative consisted of snapshots of different stories and the frustrations faced by innocent women trapped in the system.
The characters were personable, often incorporating humour to emphasise their relatability. Rebecca Omogbehin's performance was distressing and powerful. She played a woman who fled her country after suffering unspeakable abuse whilst trying to maintain dignity and pride. She poignantly captured the sense of shame the woman felt by having to reveal her scars and waiting to find out whether the physical and emotional damage would be deemed sufficient evidence to grant her asylum in the UK. Shazia Nicholls displays seamless versatility in her portrayal of a wide array of characters, notably a frustrated and exhausted solicitor desperately trying to assist these struggling women who desperately need help and legal representation.
The set was minimal with the presence of four ceiling mounted CCTV cameras, never allowing the audience to forget that the detainees were always being watched and gave it a prison like feel. The use of costume by Amelia Jane Hankin was also effective, with the whole cast in grey giving a sense of institutionalised uniformity and the lack of individual identity felt by the detainees. All the performers wore hoods that were put up when playing the role of security, the faceless, insensitive representation of the system.
The production was a moving and harrowing insight into the emotional turmoil faced by female refugees. The performances were extremely emotionally charged and at times distressing but it was a sensitive, hard-hitting production that successfully communicated an urgent and important message that everyone should hear.
Reviewed by Olivia Ellison
Photography by Rob O'Kelly
is at The Soho Theatre until 22nd July


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Rock Star Member: Amanda Kelly
Mrs. Kelly, of Security & General Insurance, Bahamas, has been selected as this quarter's Rock Star Member, and wins 250 HealthMiles and a $100 restaurant voucher.
"Amanda has a great attitude and a burst of energy! She has shown so much enthusiasm!" - Pearlean Alexis
"Her love of life and love for others is exuberant and reflects that of a true Rock Star! I encourage her to continue her journey to an even fitter, healthier person! AK... you rock! - Lisa Bellot
"Mrs. Kelly epitomizes the quote,'The race is not given to the swift or the strong but to those who endure to the end." - Juanita Miller
"Mrs. Kelly got engaged in the program and ever since she has participated in almost every fitness class and challenge set before her. I am very proud of her" - Donovan Ingraham
Do you know a Rock Star? Send your nomination to email@example.com for a chance to be featured in next quarter's newsletter!


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Seasonal Ingredient of the Week: Cauliflower
We've developed a bit of a love-hate with cauliflower recently. Love, because it tastes great. Hate? No matter how much the love, we can never put it in our boxes - pungent is an understatement after any longer than one hour (trust us, we're doing you a favour by not using it). That said, it's still a great vegetable to cook at home with! Caulirice, cauliflower shawarma, roast cauliflower steak, cauliflower crust pizza: it's versatility keeps on coming.
And aside from being a vegan's dream, a carb replacer and a salad must-try, it's also loaded with the good stuff. It's low in sugar, is high in anti-inflammatory properties, helping to soothe the intestine and it's white colour indicates ying properties in Chinese medicine, helping to increase calmness. For the best, make sure to pick pure white heads with crisp, green leaves. Checking the colour of the base to check how white it is, is a good indication of freshness.
- Try it roasted instead of boiled. Just cut into florets, add olive oil, salt and pepper (and a little turmeric if you wish) then roast for 30-40mins. Serve in a salad (great with cranberries) or alongside any hot dish.
- Cauli-rice, we love you. Perfect alongside curries to add an extra serve of veg, or in a salad to add a new texture, or even in replacement of rice in sushi (although it's messy, we warn you). Simply add raw cauliflower to a food processor and pulse until you have a rice-like consistency. We then either pan fry or boil it for 4-5mins to make it a little softer.
- Cauli-rice can also be used as a grain-free porridge replacement (one for the brave). Just boil in milk, add other flavours (banana/dates etc) and be sure to add a little more sweetener than you would to your usual oats!
- Away from roasted and riced, shaved cauliflower is also great in a salad. Simply shave into thin slices using either a food processor or mandolin then add to your salad. Do it the pollen way and add puy lentils, raisins, massaged kale and a creamy turmeric dressing - delicious!
- Cauliflower steaks are a great veg/vegan alternative. Cut the cauliflower into thick slices (stalk included) then cover in oil and seasoning and roast at 200C for 15-20mins. Try cumin, turmeric and cracked black pepper.
- And of course we can't forget the all important cauliflower crust pizza. There are a million recipes available but the basic principle is blitzed cauliflower (with the water squeezed out) with gluten free flour and eggs. Just be sure to squeeze out all the water if you don't want a sludgy mess - we've all been there.


text: At 19.54 +0100 2000-11-06, Pierre MacKay wrote: >> Times Roman has no real small caps (right?), >---well actually not right. Good! Then it just remains to be seen whether (i) Rolf can get these and (ii) those smallcaps are acceptable to the publisher. Hopefully the strict rules were just a precausion against people who fake smallcaps by scaling the upper case to 50% of its normal size (no, it's not pretty, but some non-TeX typesetting systems seem to have this as their default setting). Lars Hellström


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|Date / time: 2017-10-18 11:07:14
|Name: Zijin
When will the train schedules after 9 December 2017 be available on this website and when will the tickets be available for booking?
|Date / time: 2017-10-18 11:15:20
|Name: Pavla Janoušková
Hello. Generally speaking. Most of the schedules should become available at the beginning of November. Kind regards Pavla


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Why choose us ?
- We understand and appreciate the challenges in your sector
- We have many years of experience of working in your sector
- We have many Housing Organisations as satisfied clients
- Sector specific client-references are available
- Access to quality health & wellbeing services
- Access to quality employee benefits
- Value for money
- Special concessions
- Dedicated account management
- Advice you can trust
- Freephone: Call to find out more ...
or enquire online
Health in Housing
Health Matters (Workforce Wellness) has a proven track record for working with the housing & care sector. Indeed we have a number of Housing Associations & Trusts as existing clients, and we can provide you with client testimonials upon request.
If you organisation is an Housing Association or works within this particular sector and you are considering implementing a health scheme or an EAP service for your staff, please call us to discuss how we might be of service to you.
Or email firstname.lastname@example.com to request a quotation.


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The Virtuos mobile game development team delivers large experiences in modest handheld packages – for iPhone, iPad, Android, WP8 and other mobile platforms. Graduates appreciate sophisticated standing in all the nearby universities and several foreign universities in a range of locations, which includes Pc Science and Digital Media courses. Our firm specializes in nearly every single game category that contains action, adventure, trivia and far more. Titanium is a cross-platform, open-source app improvement kit and Eclipse-based IDE. The platform is built on the likes of OpenGL, OpenAL, Box2D, Facebook, SQLite, and uses the Lua coding language for development. Our Game Development Team specializes in delivering high-quality games, which contains graphic design, character improvement, programming, mathematics, complex level design and style and game testing across different platforms. The use of the smart phones and mobile apps has expanded exponentially creating application development a pivotal element of internet design services.
The popularity has grown so large that mobile operators are competing against each other by offering their subscribers loads of each cost-free and paid games for their pleasure. Jamie is often eager to share his market knowledge and is passionate about video games on all platforms. But because I am in a position to create games exclusively for Android, I've been considering about how to leverage components of the platform that most game developers ignore: the OS and Java runtime itself. Annoyingly, the organization does not break out Blizzard's financials, so it really is difficult to gauge how significantly of Activision-Blizzard's $418 million of mobile sales in 2015 came from Hearthstone. Fleet Command is totally free and an outstanding RTS sea battle game for your Android device. Unity supports 3 languages: UnityScript (which is equivalent to JS), C#, and Boo.
The outside as you mention it, is no longer the outside as you would like it to be. These days, the outside is just an additional virtual space for mobile media. We have a 24/7 helpline that all our customers and customers can contact to clear any queries regarding the mobile games we create. Mobile devices supply fascinating new techniques to experiment with controls and interaction.
Grab a book on video game programming at your neighborhood bookstore (there are several to pick from) and dive in. C and Java are excellent programming languages to begin out with. Telesocial ( ), the San Francisco-primarily based cloud telephony service platform, has released a cost-free plug-in extension for the Unity engine and development tools that lets developers add mobile voice services into their games. Quite nice post for android improvement newbies, it will be great if you could share an article elaborating step by step approach of setting up and configuring machine for android app improvement. It automatically handles mobile device locking, straightforward Audio Sprite creation, looping, streaming and volume.
Connectionphase is a final results-driven Internet application and Mobile application improvement organization serving worldwide. The analysis of the modern hit games suggests that the updates should be released every single two-five weeks and each and every other update must add a lot more content material to the game. There are numerous game improvement organizations in Singapore and overseas that have a sturdy demand for experts with game style & improvement skill sets. AndEngine – Cost-free-to-use Android 2D OpenGL game engine, a bit dated perhaps (final update is from 2013) but functional. Dungeon Keeper has kept me staying up late a lot more than any other video game with its mixture of strategy, dungeon management and exclusive dark humour. A Game of Dwarves uniquely gives the capacity to dig down rather than just having 1 level like the Dungeon Keeper games.


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Laura Weathers took a different approach on her card below, which I think is simple but adorable. She used the Polka Dot Embossing Folder for her Whisper White Background, chose Bermuda Bay, Tempting Turquoise, Berry Burst and Lemon Lime Twist for her squares and punched her greeting with the Classic Label Punch and popped it up. I love how every pig is stamped exactly the same, if I was a betting girl I would say the fabulous Stamparatus played a role in obtaining these results.
CLICK HERE to shop with me anytime.


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Sunday, Dec. 13, 5–8pm. Hop on a bus and take a ride around Onalaska to visit and carol to those who need extra Christmas cheer! Join us after the singing for a potluck dinner back at the church. The bus leaves at 5pm sharp! Last minute carolers welcome!
Christmas Giving Tree Gifts Due Back THIS Sunday, Dec. 13
Please make certain to bring your wrapped gifts to the church THIS Sun., Dec. 13. If you purchase gift cards, please wrap them in a box. Contact Kathryn at 608.783.2236 or firstname.lastname@example.com if have questions.
Baptismal blessings are extended to Kaitlyn Sue Bell, daughter of Steven & Melissa Bell
Flowers in the sanctuary are in memory of Doyle Lombard, from Carroll Lombard & family
Sunday School Update
- Sunday, December 13: Rehearsal
- K–5th graders will have dress rehearsal in the sanctuary, there will be no class this day, so parents can drop off and pick up in the sanctuary.
- 3- & 4-year olds and kindergarteners will have opening in their usual location.
- Sunday, December 20
- Sunday school as usual. Opening, followed by class in usual rooms.
New registrations welcome any time of the year. Contact Sunday School superintendents Sheri Betz and Tawni O'Rourke at firstname.lastname@example.com or stop in the Sunday School office in room 206.
Come join in a fun night of fellowship and games. This is a once a month get-together for those high school game nerds out there! Bring your own favorite games to share with the group! Tuesday, December 15 @ 7–8:30
Sunday School Christmas WORSHIP
It is a wonderful time of year and a great way for our kids to spread their Christmas joy! The Sunday School Christmas worship will take place during the 6:15pm worship service, on Wednesday, December 16. ALL kids should arrive by 6pm.
- 3 and 4 year olds should report to their normal opening room (105)
- K–5th should report to the choir room
Parents can pick all children up in their opening rooms after worship. There will be refreshments in the Narthex following worship.
On Wed., Dec. 16, the OWLs, a group for those 55+, will have their December Potluck at noon in the narthex. Questions? Contact Brian Narveson at firstname.lastname@example.com.
Perkins Pies Fundraiser
Perkins pies on sale now until Wed., Dec. 16, at the scrip table! Youth selling pies should pick up an order form from Tina, or stop in the office. Youth just take orders—no money is collected! Those who purchase pies pick up and pay for them at the Perkins in Onalaska.
Middle & High School Christmas Parties!
Middle & high school youth: get your holiday festing started early! Classic holiday movies will play in the background, eat lots of holiday cookies & treats, and bring a white elephant gift that is under $10 and as unusual as possible! The MS Christmas party is Sat., Dec. 19, and the HS Christmas party is Sun., Dec. 20, both 5:30–8:30pm in the fellowship hall. Bring your friends!
Birthday Party for Jesus!
Everyone is invited to attend the Birthday Party for Jesus in the fellowship hall from 9:15–10:15am on Sun., Dec. 27. This event replaces "usual" Sunday school.
Financial Peace University
We all need a plan for our money. Dave Ramsey's class will show you how to get rid of debt, manage your money, spend and save wisely, and much more! This is a nine week course that starts Sunday, January 3, from 6-7:30pm! A supervised nursery is available during class time for children age 4 and younger—you need to call the church office at 608.783.2236 to let us know how many children you plan to bring to the nursery. Thanks!
Needed: Glider Rocker
After long use, the glider rockers in our nursery are in need of replacement. We have already received one donation; we just need one more. Contact our custodian Mike Peper regarding the donation: firstname.lastname@example.com
Clothes Closet Needs
Needs include: sweatshirts and hoodies, winter boots and toiletries. Monetary donations to purchase undergarments, pajamas and healthy snacks to have available for our clients and their families are also welcome. Volunteers are also needed to help host appointments with clients; contact Bridget Crave: email@example.com.
To learn more about these and other announcements, head to our website at www.FirstLutheranOnalaska.org
Blue Christmas Worship
The holidays can feel sad, stressful or difficult. We may miss loved ones who are away, absent or dead. We may feel burdened by the pressures to make this "the most wonderful time of the year." Please join us Monday, Dec. 21 at 6:30pm for an hour of worship including music, prayers, candlelight and reflection on what God is up to amidst our blue feelings around Christmas. Invite a friend or neighbor who may find it difficult to worship this time of year. Before worship, starting at 5:30pm, there will be a time for a light meal and conversation.
We offer several new member sessions each year to acquaint new members with First and a small group of other newcomers. The next new member session will be Sunday, January 17, 2015 from 11:45am–2:30pm, with New Member Sunday on January 24. The nursery is available for use, but children are also welcome to be present. To register your family or ask questions please call our church office at 608.783.2236 or email firstname.lastname@example.com.
Snow Birds
If you will be leaving town for the winter, we want to make sure you still get the monthly newsletter and other mailings. Please provide us with your winter address, and the dates you will leave and come back, so that we can keep our mailing information for your household up to date. You can mail us the information, or email it to us (firstname.lastname@example.com), or call us (608.783.2236).
Cancellations due to inclement weather
If the weather ever makes you wonder whether your group is meeting for their ministry, check our website, Facebook page, or update the office with your cell # and provider so that we can text you. We'll also notify WXOW.com, news8000.com and the La Crosse Radio Group stations: 106.3, 104.9, 102.7, 100.1, and 1490 AM. The staff and leadership of First intend to 'make the call' by 5:00 PM at the latest so everyone knows what to expect. Be safe this winter!
Caring Connections
Be part of this wonderful ministry, which offers support and friendship to our young adult members. Simply select a manila envelope for one of our young adults; available for pick-up in the narthex. More info at firstlu.org/caringconnections.
Young adults: It's not too late to be included in Caring Connections! Whether you are college-bound or not, stop in the church office or email email@example.com your new address so that we can keep you connected in our Caring Connections Ministry!


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Maryland Psychic Fair
Many of the best psychics, mediums, healers, and readers of all types, along with related arts and crafts vendors from Maryland and the surrounding areas. For both those who are serious or for those who are just curious. Event can be a life changing experience to just a fun time. 2/3 of tables offer some type of readings, 1/3 of tables offer related arts, crafts, books, oils, crystals, information etc
31 Tables, All under one roof , Indoor Event, Free Parking.
A Fair that is not to large and not to small.
Many of the vendors will be giving Fair Specials and Discounts.
Some of the tables will accept credit cards.
Pre-pay via Eventbrite -Ticket Cost = $5.00 plus service charge.
Pay day of the event, at the door- Ticket = $10.00 (Cash Only)
FYI: List of Vendors
Allison Dougherty : Arcturian Ascension and Healing : Allison is a conduit for Arcturian Healing and Activations, a QHHT and Beyond practitioner, a Multi-Dimensional Guide, an Ascension and Starseed Support Specialist, a Quantum Learning Experiences Facilitator and a Spiritual Abilities Development Mentor. She connects with the Galactic Council of Light to facilitate initiations, activations and healings to support souls in remembering who they are, why they're here and in fulfilling their Divine blueprint. At her table sessions will be offered. Available for purchase will be Arcturian Ascension and Healing Crystals, Stones and Meteorites. You will also find information regarding Quantum Healing Hypnosis.
Angela Freitag : Mosaically Yours LLC By using elements of the earth, Mosaically Yours creates unique and inspired representations of what your mind envisions. Angela Ross-Freitag, owner and signature artist for Mosaically Yours, creates installations, mixed media, and conceptual artworks. Her artwork is characterized by the use of vibrant colors, whimsical patterns, and a full spectrum of material. At this table you will find Mosaic works that can be incorporated into every day home life which will add little flair, ie mirrors, trays etc
Anne Miller & Tony Stevens - Spiritual Information Center : www.spiritualinformationcenter.com The spiritual information center brings peace love and happiness into your life specialize in Tarot Card, Psychic, Palm, and Crystal readings. Besides readings at this table specials and packages of candles, crystals and oil's will be available. Also offered will be self meditation aura cleansing and spiritual work.
Athena Allread - The Seaside Shaman : Athena is a young shaman & reiki master practitioner & teacher in the small beach town of Lewes Delaware. With a down-to-earth and lighthearted approach, She utilizes crystals, tarot & oracle cards, medical intuition & the guidance of your spirit team to connect you to the healing and guidance you are seeking at this moment on your path. Within the integrative health practice of Quakertown Wellness in Lewes, she practices traditional shamanic healing such as soul retrieval & past life journey in combination with reiki & crystal healing. Whether it be physical healing, trauma, grief, heartbreak, general guidance or some combination. Visit Athena's table for an intuitive tarot/oracle card reading.
Claudette Knox - Intuitive Awakenings with Shaman Claudette : Claudette Knox is a gifted intuitive providing guidance combining Palmistry (clues to character, prospects and talents) and Hawaiian Aumakua (Higher Consciousness) Cards which give a conceptual photograph of energy that visually projects personalized patterning's of present and future events. She will be doing readings at her table.
Cheryl & Norman Howdyshell - The Grove of Brite Blessings : Owners of this new age / metaphysical / curiosity shop. www.TheGroveofBriteBlessings.com Cheryl is a psychic/medium/oracle card reader, who has been doing readings for 20 yrs, and she also reads energy fields in and around people and connect them with stones & crystals. Cheryl also does past life regression sessions and house cleansings. Norman does energy channeling work, he is a sensitive receiving messages & visions from spirit. They will be doing readings and more at this table.
Eileen Strange - The Soul Shepherd: Eileen works with people around the world as an Intuitive Empath, Psychic Medium, & Medical Intuitive. She also provides healing work through her modality which she calls "Intentionalized Healing". All she needs is a picture where she can see the eyes of a person living or a person who has passed. Readings include Psychic, Mediumship or Medical Intuitive. She has been named Woman of the Year in the Strathmore's Who's Who Worldwide – Edition 2018. She will be offering 20 & 40-minute sessions at show special prices. She will also have collectible, spiritual pottery for sale.. People can pre-book session times. www.thesoulshepherd.com
Rev. Ella Fales - Healing & Spirit Messages with Ella : Ella is ordained in the Order of Melchizedek, is a psychic medium & energy healer certified in Ama~Deus & Seraphim Blueprint modalities. Her experience with trauma, loss & chronic health issues which began in her military career eventually guided her to what is now her healing ministry. In her journey of self-healing, Ella discovered as she helped others heal in mind, body & spirit, her own healing would progress more rapidly. Ella offers a combination of healing & channeled messages from loved ones, angels, animals, spirit guides & your own body. She will focus on providing what you need most in healing & messages to maximize the benefit of your session. Alpaca blankets direct from Ecuador infused with healing energy will also be available.
Dr. Gwen MacGregor - The Medium of Maryland : www.drgwengmacgregor.com Dr. MacGregor is a nationally-known Intuitive Life Coach and Clairvoyant. WIth almost 40 years of spiritual teaching, doing palm and tarot readings as well as psychic sessions, her expertise in the field of metaphysics is well known. She is seen regularly on Fox News Washington, D.C. and, has been named "one of the three best fortune tellers" in Baltimore by CBS. Dr. Gwen offers Palm, Tarot and/or Psychic Sessions at her table. Her home base is in Annapolis at Ridgely Retreat Holistic Spa
Jacqueline Lunger - : Jacqueline offers you comprehensive and professional services that are intended to enhance your spiritual growth and understanding, empowering you to make more positive decisions. Rev. Lunger, is a 4th generation Spiritualist, Medium, Healer and Author. She brings experience, compassion and skills to each person she connects with or for. She is available for phone and in person appointments and requests contact by email www.psychicauthor.com Jacqueline is the author of 2 non fiction metaphysical books" There's DNA to Prove It and Commander Collins' Will as well as self help insight tools: Inner Voices chakra cards and Speak Stones Deluxe. Autographed copies of her books are available upon request.
Jennifer Raimondo - "Jaded Beauty by Jen" : Jennifer resides in Pasadena Md. She loves distressing & hand painting photo frames ,candle holders,metal home decor items and anything else she can get her hands on ! She also enjoys making whimsical Fairy creations , along with theme inspired mystical wands. All of her creations are made with "Gypsy" love. At her table she will have many items to include distressed & hand painted photo frames, candle holders & other home Decors, tea cup candle holders & tea cup jewelry holdersand. Some of her most popular items are "Captured Fairy in a Jar" & Gypsy Keychains & Tassels, Theme inspired mystical wands, & fairy dust necklaces.
Jim Doran - Artist : Jim Doran is a Baltimore artist specializing in tiny dioramas. His work has been seen at the Mütter Museum, Washington D.C., New York City, Europe, and he is part of the current exhibition at the American Visionary Art Museum, The Great Mystery Show. Jim's art is macabre, humorous, and tries to lend hope to the human condition.
Joanne Amorosi : Mary Magdalene Medicine :Joanne is a mystic who has been working with the angels for over 20 years to share their guidance and messages of love. Her Mary Magdalene Medicine focuses on providing heart-centered healing that enables individuals to forgive and forget so they can further their life's mission, discover their own spiritual gifts, and make better decisions. At this table In addition to doing angel card & past life readings and healings, she will be selling her 3 books:Come Walk with Me: The Remembrances of Mary Magdalene, Heart-Centered Healing: Help for Healers and Healing Seekers, and Unsent Letters of the Famous & Infamous.
Rev. John Marani - Hierophant Tarot & Astrology : John has been studying the tarot & astrology for 28 years. His professional practice began in 2005. He is the former Head High Priest and High Priest of Tarot of the Tradition of the Witches Circle, where he taught astrology, tarot, Wicca/Witchcraft and many other metaphysical topics. John studies astrology with Pam Gallagher at the Midwest School of Astrology and will graduate with a Certificate of Astrological Proficiency in June 2018. John will be offering tarot readings and astrology mini-readings and selling his book. John's wife Jennifer of Dragonfly Design will also be selling gemstone jewelry.
JO Offduty - Mixed Media Artist : Her work has been exhibited at Art Centers from Florida to D.C. Her work centers primarily on topics of spiritual, psychological & gender identity, both individual & collective. Recurring themes are power, vulnerability, sexuality, domestic violence & the sway between them. Her art work & her Tarot deck called "The Fools Journey Tarot" that she created from scratch & her two other fierce Oracle decks "Behind Closed Doors Oracle" & "The Luscious Lenormand" deck was featured in the The Washington Blade Magazine. Jo will be at the Psychic Fair selling her Vibrant Tarot & Oracle Decks with options to purchase limited edition signature boxes to go with your decks, alongside with what she calls "Not for the Fainted Heart" Art pieces. http://foxx7122.wixsite.com/jo-offduty/the-fools-journey-tarot-deck
Katherine Wolfe : Kindred Spirits Store : Katherine is a Psycho-therapeutic Intuitive, Reiki Master Teacher, MassageTherapist & owner of Kindred Spirits Store. She has been trained or certified in over 12 different massage modalities. She has been a Reiki Master Teacher for 10 years. She is educated in Somato-emotional techniques (releasing emotional memory from the body), Emotional Freedom Technique (EFT tapping), Chakra Balancing, Sound Therapy, Crystal Therapy and is an ordained non-denomination minister. At her table with be items such as crystals, unique wire wrapped crystals, incense, tapestries, salt lamps, inspirational banners, sage & smudge products also offered will be Reiki sessions, Oracle Healing & Intuitive readings. www.Kathy-Kindred-Spirits-Store.com
Linda Pisani - Holistic Grotto : Linda is an Australian psychic intuitive, living in Virginia, delivering messages from the spirit and angelic realm to help heal, and navigate people on their journey. As a certified Usui Reiki Master Teacher (RMT), Meditation Teacher, Feng Shui Master, and Psychic Intuitive, she works with clients to help find an inner balance, and create happy healthy environments. Linda will give you messages of guidance on your path as you move forward with clarity. This insight is helpful with relationships, employment, career, travel, family and health www.HolisticGrotto.com
Lotus Wellness Center : Lotus Wellness Center is a holistic studio based in Manassas, VA. We offer a range of holistic services including Reiki, Tuning Fork Therapy®, Reflexology, Access Bars, Intuitive Readings, Astrology. We also offer workshops and classes in Reiki, Tuning Fork Therapy® ,Meditation and a wide variety of metaphysical topics.If you are not in the Virginia area, we offer intuitive readings and private mentorship via phone or Skype. Jason Knepper - Jason is an astrologer, card reader, Reiki practitioner, and speaker at Lotus Wellness Center. Carleigh Kaiser - Carleigh is a Light Language Practitioner, Intuitive Channel, and Spiritual Artist.
Lou Foster - Herb Fancy : http://www.herbsandcrystals.com Lou is a Master of Crystology, Reiki Master/Teacher, Animal Totem Seer, Dream Walker Spiritual Investigator and Artistlearned in the healing arts of herbs, crystals, meditation and shamanism. Lou put her talents to work creating teas, salves and soaps and weaves the energy of herbs/crystals into all her artwork - from soaps to jewelry creatings a healing vibration unique to each artistic piece. Offering day of event: Animal Totem Readings / Reiki (about 15-20 minutes) Love offering accepted and some items to be sold are herbal and crystal products, jewelry
Mara Berman - Mara's Art & Psychic Work : Mara has been reading palms, tarot cards, and auras for twenty-six years. Areas of study include, meditating in light using twelve dimensional rings as steps to a higher power and source of light. Other psychic skills involve aura cleaning, angel connections, and healing using images and light. Activities during meditation includes star seed connections, meeting guides, reading palms, tarot cards and conducting meditations in light. She will also have at her table some of her paintings and earrings for sale. www.maraberman.net
Mary Perry - Wings Unfurled : Mary is a healer and teacher of light and transformation and through her business, Wings Unfurled brings this enchantment and wonder to you so you can move to your sacred self, embracing the world of angels & guidance from spirit. Rev. Mary Perry offers angelic guidance through channeled Angel Readings. She is offering channeled Angel Readings at her table & will be talking about Seraphim Blueprint & perhaps offering a sample of the energy if time allows. She will have the book, "Seraphim Blueprint, The Power of Angel Healing" by Ruth Rendely available for sale along with quartz crystals empowered with the Seraphim Blueprint energy.
Meagan Beach - Young Living Essential Oils - The world leader in cultivation, distillation & production of pure, therapeutic-grade essential oils. Take charge of your health & wellness with essential oils & lifestyle products designed for clean living. Young Living's products harness the therapeutic power of essential oils to make them more natural and more effective than any of their typical counterparts you can find in stores. We also provide a community and further education for anyone interested in learning more about essential oils. Our team loves to support anyone who's ready to make the change to a cleaner lifestyle and start using essential oils in their daily life. Learn more about the purity of Young Living at www.seedtoseal.com
Michele Buckley - Alpha Trinity Health Ministry : Michele has offered her services for the past 15 years in the Mid Atlantic area. Shes a holistic practitioner, energy healer, gifted intuitive reader, spiritual counselor, and spiritual teacher who offers a variety of holistic heart-centered healing and intuitive services. She is also known as the Crystal Whisperer for her ability to hear messages and interpret glyphs on crystals. Michele is also the founder of a new energy healing modality called Infinite Divine Illumination Healing www.alphatrinity.com At her table she willl be offering all the types of readings, and offer mini sessions of healings with folks sitting in a chair.
Nikki Tanks - Life Energy Reiki and Mediumship : Nikki is Certified Reiki Practitioner, Psychic Medium, Angel Messenger and Creator of Life Energy Reiki and Mediumship. She provides physical, emotional and spiritual healing through Reiki as well as connecting with Spirit Guides, Angels and Loved Ones to deliver healing messages of Love, Guidance, Comfort and Joy. She will be doing sessions and readings at her table
Rae Roach & Valerie Willis - Women Helping Women Retreats & Workshops : Mobile, customizable event programs of 2 hr & 1 day workshops; 3 & 5 day retreats designed to allow women to sample techniques & activities that aid in healing, the cultivation of inner peace, and the uncovering of one's authentic self. Staffed by experts in mind, body, & spirit practices, the retreats encourage participants to learn, network, & find support among like-minded women that can advance them along their chosen paths of self-awareness & self-development. Each retreat offers a theme-based grouping of sessions ranging from life coaching, to relaxation & self-actualization exercises, to therapeutic movement, art, writing and music, & energy work just to name a few! Visit the table and learn more.
Randolph Peters - R. Dirtflower Crystals : I have been outdoors most of my life. As a child I loved walking the plowed Earth. Finding crystals and arrowheads became part of me. I grew into the arena of Horticulture and Entomology quite naturally. While gardening all my adult life I injured my back. It was worth it in many ways. I gravitated back to crystal & minerals and opened a little shop in Ellicott City. My goal is to be kind and share these crystals at affordable prices.They are from all over the world. I have actually worked with these crystals and know their vibrations well...
Randy Goldberg - Astrology Readings : : www.astrodc.com : Randy Goldberg LMT is a former Yoga monk, Craniosacral therapist, Family Constellation facilitator and a world renowned-astrologer doing Western and Vedic systems from a Jungian perspective. He was been interviewed by the Washington Post, NPR, and CNN. He will be doing readings and more at this table.
Ranessa Porter - Is a Reiki Master-Teacher, an Integrated Energy Therapy (Angelic Energy) Master-Instructor, a certified aromatherapist and owner of Heart-Centered Healing in Alexandria. She has been practicing and teaching energy healing for almost 6 years. Ranessa enjoys helping people move from surviving to thriving. At her table she will be offering Reiki and Healing with the Energy of Angels (IET). Ranessa will also offer custom aromatherapy blending for energy healing. www.heart-centeredhealing.com
Robin Strom - Delaware Paranormal Research Group : www.deparanormalresearchgroup.com
Robin is the Director of D.P.R.G. and the author of the book "Anatomy of a Ghost" A Guide to Analzying the Dead. Included in the book are many of the first-hand experiences by the author and her colleagues. From the child ghost in Pennsylvania, to the demon in Dover. The book is laced with stories from people who have actually experienced the paranormal in their own lives. She will be selling her book at the table, and providing info about her Paranormal Research Group
Rob Gutro - Inspired Ghost Tracking of Maryland : Rob is an author, paranormal investigator and medium Since he was a child he could receive messages from ghosts or spirits (who have crossed over).He wrote the books "Pets and the Afterlife," "Pets and the Afterlife 2," "Ghosts and Spirits" and "Lessons Learned from Talking to the Dead" to teach others how ghosts and Spirits communicate with the living and to give proof of the afterlife. As a scientist, he also provides some scientific explanations about how energy is the baseline for the afterlife and the medium that entities use to communicate. Rob will be selling books and doing readings at his table.
Rosalyn Kincaid - Karmic Wellness Center located in Woodbridge, VA, is founded, owned, and operated by Rosalyn Kincaid. Karmic Wellness Center offers holistic and spiritual solutions that promote healing and a better well-being. Features services include Reiki and Psychic Mediumship Readings. Find out more about Rosalyn and Karmic Wellness Center at www.karmicwellnesscenter.com. At this table Rosalyn and her assistant will be offering 15-minute Reiki Boost healing sessions, mini-Psychic/Mediumship Readings, and we also will be selling healing crystals, books, and cleansing sprays.
Terri Rodabaugh & Sharon Galloway & Rhonda Russo - The Haunted View : Three Mediums come together to do 15 minute readings with all 3 participating. The Haunted View is a podcast / cable show in the making. We investigate paranormal occurrences and host events about the paranormal. No Medium is alike so having all 3 give a reading is quite an experience. Please go to their facebook page for more information. https://www.facebook.com/thehauntedview/


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Global Citizen Festival rigger dies during set-up and patrons mugged post Festival
Global Citizen Festival not all roses.
Yesterday, Sunday 2 December was meant to be a special day of great music, unity and the celebration of Mandela 100.
But even before the lights went on and the show started, the festival was quelled by the devastating death of a rigger.
Global Citizen issued the following statement:
"This afternoon in Johannesburg, a rigger working on behalf of a production partner for the Global Citizen Festival, suffered fatal injuries arising from a fall at the site.
The man has been identified as Siyabonga Ngodze, and although he was wearing all the appropriate safety gear and equipment his injuries were too severe. An investigation surrounding the incident has been opened.
Global Citizens of crime?
With a harrowing start, it's unfortunate to report that the end was of the same tone.
South Africans have taken to social media to recall their crime experiences that happened when the festival ended.
Festival patrons awaiting transport at the Nasrec Sasol garage reported that chaos erupted when several people were robbed at knife and gunpoint.
A witness report from Times LIVE:
"There was a couple walking in front of us. The next thing we knew the girl started screaming. They tried to grab whatever she was holding. It was such a mess. Everybody started running in between cars to avoid the thugs. Mind you, there were no police in the vicinity at all," said Jamie-Lee Markgraaff.
According to reports, police left the area after the last performance, which goes against standard protocol (and is just a ridiculous notion for such an event).
It appears that the Global Citizen Festival obtained the opposite of their goal of unity.
#GlobaCitizenFestivalSA so heart broke by what was happening at sasol garage and outside the stadium I even tripped and fell. Thank God no one fell on me. Witness so many robberies. Police did nothing.
— Anele (@AneleBethuna) December 3, 2018
If you are still leaving the stadium don't go past Sasol, they are robbing people at gun point.
— Punisher (@Tebby_Leburu) December 3, 2018
Wow counted 17 muggings at the Sasol at FNB. Plus 2 stabbings and a smash and grab. #GlobaCitizenFestivalSA
— PanPan (@panda_pri94) December 3, 2018
Guys! We are huddled at Sasol garage and its so fucking dangerous. Groups of tsotsi's run towards the crowds to cause commotion and then grab people's shit and taunt them. Everyone so scared and them literally laughing and enjoying the chaos
— spiceboy juggernaut 🌈 (@wittnsass) December 2, 2018
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- I Paid A Bribe
- 8 months ago
- 2490 views
Tricked into paying a bribe
- Customs
- Paid INR 5,000
We returned from Jedda to banglaore for saudia airlines on Sunday 30th December landing at 7:30 pm at Banglaore International Airport. At about 8 pm after clearing immigaration our handbag was scanned and my mom's purse had two bangles which she bought as gift costing around 40k. There was a female office in plain clothes with short hair and one male officer under her in khaki uniform. she threaten us and haressed us saying that we will need to pay 38% and duty, but quickly simply asked us to pay 5k. Then the guy took us in the room just behind and took 5k from me. My mom was in wheel chair and tired and I did not want her to get further troubled so I paid the bribe. Who can I further report this to in order to get action against her. She was targeting other passengers too. They were so quick and efficient that it seemed like they do this all the time.


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Deutsche Bank's share price plummeted following a US$14 billion demand from the US Department of Justice for mis-selling mortgage-backed securities. On the surface it's a hefty fine – and Deutsche is challenging it – but it should not be life threatening. The bank has been around for 140 years. Last year revenue was €34 billion; the bank lost €6.8 billion, while holding €1.6 trillion in assets and its equity was worth €62.7 billion. So a one-off shock would be unsettling, but can be absorbed.
Yet the share price drop shows that investors do not share this confidence. This reflects the fact that even a bank (or other financial institution) with a sound balance sheet has the inherent risk of a run, with everyone dashing to sell their stocks or withdraw their funds at the same time. It is not just a matter of having assets outweigh liabilities, but having assets accessible when the liabilities are due.
Take my pension fund, USS, for example. In terms of assets, it is one of the largest in the world at £50 billion. While the USS management has done a brilliant job on that side of the balance sheet, the other side now has liabilities of £60 billion (mainly due to a drop in interest rates). This is not unusual in the world of pensions and I don't lose sleep over this shortfall.
The reason is that if everyone on the books continues to make their contributions to the fund and new members keep joining, then it should continue to function. If everyone else suddenly started withdrawing today, however, then I should rationally join the queue since there would be nothing left by the time I retire. What helps stop these runs from happening for pension funds is the slow, costly one-way withdrawal process.
Self-fulfilling prophecies
For many financial institutions there are no such barriers, so both a run and stability are self-fulfilling prophecies. Bernie Madoff's fund, for example, sustained itself for decades despite a huge shortfall. It could even have kept going for at least a decade more if the true Ponzi nature of the fund wasn't revealed.
What may surprise many is that the potential of a run and business-as-usual is equally possible, even if the institution's assets exceed its liabilities and it isn't set up in a Ponzi-like scheme. The problem exists because liabilities can be demanded quickly and assets are illiquid – that is, the process of selling an asset can take a while to find a buyer (as with a house) or the market is small enough that when people know that an institution must sell certain assets, it lowers what people are willing to pay for them.
These two possible scenarios also exist with Deutsche Bank where there is a real risk of a run, not so much by small depositors but by other institutions. It need not even be a hedge fund withdrawing investments – as recently precipitated an 8% drop in the bank's stock – but even something as simple as short-term loans not being renewed. These runs can as much be triggered by external events, like receiving a large fine, as from an internal announcement indicating that the business would not be profitable in the long term.
So, even though Deutsche Bank's financials appear to be sound, there are real dangers from runs. In the financial industry, things are also really not as clear as the balance sheet, unless it's a large pensions fund. Very few, if any, know the exact state of an institution's assets, liabilities, and liquidity. If regulators are not among the few, it could take them time to learn. Thus, there is often a strong asymmetry of information that only worsens the situation.
Then there is a risk of contagion. A run can spread from Deutsche Bank to other financial institutions. My research with Surajeet Chakravarty and Miguel Fonseca published in the European Economic Review in 2014 shows just such an effect can happen. We found a run can spread even if the balance sheet of another bank does not have a direct connection to the bank undergoing a run.
Again, it's a self-fulfilling prophecy. If depositors at a second bank think there is an indirect connection, then indeed there will be. So it is rational for depositors to run on the second bank simply because they believe others will do so. It is therefore important for regulators and the institutions themselves to try to stop these fears from forming, but once a crisis has started actions must be chosen with care – any half-way measure can increase panic rather than alleviate it.


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We have been analysing visual and written texts, researching and then creating non-fiction texts and documentary videos about some of our favourite animals in our English topic 'Planet Earth'. You can see the videos below!
We have just started our english topic linked to the book 'Arthur and the golden rope' by Joe Todd Stanton. At the beginning of the project we have been researching the setting of Iceland and creating our own persuasive holiday videos.


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WellCare Adds Georgia Senior Medical Group to Provider Network
ATLANTA and TAMPA, Fla., Aug. 9, 2018 /PRNewswire/ -- WellCare of Georgia, a subsidiary of WellCare Health Plans, Inc. (NYSE: WCG), announced today that Georgia Senior Medical Group (SMG), a subsidiary of Seoul Medical Group, Inc., has joined its Medicare Advantage (MA) provider network, offering WellCare MA members expanded access in the state.
Seoul Medical Group, the largest Korean-American Independent Physician Association (IPA) in the U.S., is owned and governed by physicians that provide primary care and specialty healthcare services to approximately 40,000 patients nationwide. The IPA received a Five-Star rating – the highest possible score – by the Centers for Medicare & Medicaid Services (CMS) in 2017 for providing the highest quality healthcare its patients.
Current members of WellCare MA health plans now have in-network access to SMG providers. Those who enroll in a WellCare Medicare Advantage health plan during the 2019 Medicare Annual Election Period will have access to SMG's in-network benefits beginning Jan. 1, 2019.
"We are committed to providing access to quality healthcare benefits and services while considering the cultural needs of each member," said Ryan Voisey, WellCare's Medicare executive director, south division. "Korean is the third most-spoken language in Georgia, and our relationship with Georgia Senior Medical Group further supports our goal to partner with high-quality providers who offer our members culturally competent care."
"Georgia Senior Medical Group is very excited to be partnering with WellCare of Georgia to provide the people of this beautiful state with the best level of healthcare services available," said Dr. Min Young Cha CEO and president of Georgia Senior Medical Group.
"Since our members' health is our first priority, we must ensure they get the right care at the right time in the most appropriate setting," said Sonya Nelson, WellCare's state president in Georgia. "SMG is a strong addition to our network, and we look forward to working with them to help our members live better, healthier lives."
WellCare members can contact customer service at 1-866-292-0237 (TTY/TTD: 711) or their benefits consultant for more information about access to SMG providers and services.
As of June 30, 2018, WellCare serves approximately 515,000 Medicaid and PeachCare for Kids® plan members, 50,000 Medicare Advantage plan members and 16,000 Medicare Prescription Drug Plan members in Georgia. To learn more about how we care for Georgians watch Gloria's story at https://youtu.be/qyn-nywze04.
About WellCare Health Plans, Inc.
Headquartered in Tampa, Fla., WellCare Health Plans, Inc. (NYSE: WCG) focuses exclusively on providing government-sponsored managed care services, primarily through Medicaid, Medicare Advantage and Medicare Prescription Drug Plans, to families, children, seniors and individuals with complex medical needs. The company served approximately 4.4 million members nationwide as of June 30, 2018. For more information about WellCare, please visit the company's website at www.wellcare.com.
View original content with multimedia:https://www.prnewswire.com/news-releases/wellcare-adds-georgia-senior-medical-group-to-provider-network-300693310.html
SOURCE WellCare Health Plans, Inc.
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