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The Power SkilletPosted: September 10, 2011 Filed under: Blueberries, Breakfast, Brunch, Cake, Dessert 2 Comments
I'm a generally practical person.
True, I am given to occasional flights of fancy and I have been known to drift off into the hazy ether of daydreams during my morning subway commute, but when it comes to everyday living I've got two feet firmly planted on the ground. I do not like buying things that are purely ornamental and have absolutely no use beyond sitting on a shelf. For instance, I can see the use in purchasing a particularly beautiful tablecloth, or cloth napkin or embroidered towel, because they are all decorative but also functional.
I am not a collector of any sort. I have come to believe there is a special layer of hell resigned to the storage and display of knickknacks. I try to keep my teeny tiny kitchen in functional order by only having the most basic kitchen supplies. So, what is my favorite, most versatile kitchen tool? Hands down, my cast iron skillet. It's super easy to clean, it can be used on the stove top or in the oven, it's sturdy and will undoubtedly last forever and in an emergency situation it can easily double as a weapon. I have imagined many times that in any zombie-apocalypse scenario, I would be the girl wielding the cast iron skillet.
Cast iron is perfect for baking because dough will brown on all sides and you get a perfect, crispy crust on upside down cakes. It's naturally non-stick and an added bonus: iron! Yes, using cast iron is a great way to get extra iron in your diet without taking supplements (that may contain lead).
Blueberry and Peach Brown Bottom Skillet Cake
For the Brown Sugar Crust:
1 cup brown sugar
a sprinkle of cinnamon
1 stick of melted butter
For the Cake:
4 TBSP butter, softened
3/4 cup sugar
1 cup all purpose flour or cake flour
1/2 tsp baking powder
1/2 tsp baking soda
1/4 tsp salt
1 large egg
1/2 cup milk
1/2 tsp vanilla extract
1 tsp cinnamon
Peaches, blueberries, plums, pineapple, whatever fruit you have laying around.
Get out your 12″ skillet. Feel the power. Preheat oven to 450. Melt the butter and mix in with the brown sugar, spread evenly on the bottom of the skillet
For the cake: Sift together dry ingredients, set aside. In a separate bowl, cream together the softened butter and sugar until you have a paste of sorts. Then add in the egg, milk, vanilla and cinnamon until thoroughly incorporated and smooth. The slowly fold in the dry ingredients until you have a thick batter. Pour batter into your power skillet and plunk in your fruit of choice. I particularly like stone fruits for this cake, and berries, yes, lots of berries. Bake that sucker for 25-30 mins and the skillet will reward you for your effort.
Do you see how perfectly browned this cake is? It's the magic of the skillet. A quick disclaimer: I don't care what celebrity chefs on the Food Network have to say about butter, I do not always use full fat animal butter in these recipes. Butter has an awful lot of cholesterol and fat and while it's fine in moderation, it is not a healthy choice for many Americans who consume far too much animal fat and protein in other foods. For that reason I usually use a subsitute. Earth Balance is my personal favorite brand of alterna-butter (Margarine is now a four letter word that I won't bother using). Sometimes I use half butter, half olive oil or I skip the butter altogether and use olive oil as my fat.
Butter or no butter, this cake is awesome. Some people have a power tie, other people have a power animal, I have a power skillet.
With FireworksPosted: July 4, 2011 Filed under: Cake, Fourth of July | Tags: blueberries, citrus cake, fourth of july, pound cake, strawberries, whipped cream, yogurt cake Leave a comment
I wouldn't say I'm a particularly patriotic person, but every year I tend to find myself participating in a get together of one sort or another on the Fourth of July. Where I grew up, in Phoenix, Arizona, fireworks did not happen every summer because of the risk of brush fires. Then, in college I moved to a mountain town in Northern AZ where the entire area surrounding the city was liable to spontaneously combust at the mere mention of an open flame.
It wasn't until last year, when I moved to Chicago that fireworks were back on the table, in a big way. We live right next to a park that literally crackles and sizzles with the sounds of explosives for the entire holiday weekend, and rather than find that annoying I think it's great. I think it's great that once a year it's entirely acceptable to set off explosives in a public park.
So, with the sounds of whizzing cherry bombs infiltrating my kitchen, I decided to make a French cake and top it with strawberries and blueberries. "Why not pay homage to the contributions the French have made to American culture," I thought. (Well actually, I got the berries because they were on sale and they looked so sweet and delicious, and the french cake has been on my baking set list for a while now.)
I could have made biscuit-like shortcakes instead, but this moist, citrus-y cake evokes something a little more elegant.
I can not and will not take any credit for the cake recipe. It unabashedly comes from Molly Wizenberg, author of "Orangette" one of my favorite food blogs. The only tweeks I made were adding valencia orange zest, vanilla, and baking it in a loaf pan as opposed to a 9X9 round, cake pan.
French Yogurt Cake
1 1/2 cups flour
2 tsp baking powder
1/4 tsp salt
1 tsp lemon zest
1 tsp valencia orange zest
1/2 cup yogurt
1 cup sugar
3 eggs
1 tsp vanilla extract
1/2 cup vegetable oil
1/4 cup lemon and orange juice
1/4 cup confectioner's sugar
Heat oven to 350. Whisk flour, baking powder, salt and zest until just incorporated.
In a large bowl, mix yogurt, sugar, eggs and vanilla until smooth. Slowly fold in flour until a creamy batter.
Lastly, add in the oil and mix thoroughly until smooth. Pour batter into an oiled and floured loaf or cake pan. Bake for 25-35 mins until a toothpick comes out clean from the center. When done, transfer to a rack and drizzle the syrup over the warm cake.
For the fruit topping, I simply rinsed the berries, quartered the strawberries and tossed with a bit of the juice and about 2 TBSP of confectioner's sugar. Let the berries sit in the fridge for an hour or two so the juice from the berries can pool at the bottom of the bowl.
I topped mine with hand-whipped cream. For that, I pour the cream into a chilled bowl, add a few TBSP of confectioner's sugar and a drop of vanilla and beat until stiff.
I'm certainly not a nationalistic type, but I have to thank the French for their cake recipe. I intend to devour every bite under a sky of sparklers.
Happy Fourth.


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1: Lamb wrap-up: Richard Scorer; 2: Another model failure .. deserts blooming; 3: On Steinman et al. (2015) – Michael Mann and Company Redefine Multidecadal Variability And Wind Up Illustrating Climate Model Failings; 4: Free Think; 5: The Met Office & The Pause; 6: Biomass Emits Double The CO2 Of Gas; 7: New result shows … Continue reading
1: Human-polar bear conflicts: Stirling 1974 vs. Amstrup 2013; 2: COP19 – Now The Fifth Successive UNFCCC Failure Is Complete; 3: Three Super Typhoons Hit Philippines In Quick Succession In 1970; 4:Code Blue in the Greenhouse; 5: From sunset to new dawn; 6: Internal Variability May Have Driven Arctic Climate Change; 7: Sea level rise … Continue reading
Data, Dogma, and Discovery – New video in Resources page. – Dr. Don Easterbrook returns to the show after recently testifying before the Senate Energy, Environment & Telecommunications Committee in Olympia, Washington.
I have added a new chapter to the ongoing CO2 saga; the four key names who gave us the 'Greenhouse effect' and the mythical pre-industrial CO2 level. Click here for the latest page
A new link added to the blogrolls. My Garden Pond – What swims up from below or flutters down from above. Read more

subset: commoncrawl


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Sheerman, a chairman of Policy Connect – a not-for-profit organisation that facilitates meetings between business and ministers via All Party Parliamentary Groups - told The Guardian yesterday that he had reluctantly registered with the Office of the Registrar of Consultants Lobbyists (ORCL), but disagreed with the rules governing the register.
He said: "We instigated Policy Connect years ago as a not-for-profit social enterprise in order to facilitate a good, open conversation between industry and MPs.
"We are the antidote to lobbyists. We have argued it with everyone. In the end, we said 'alright, if you say we have to [register], much against our better judgment, we will do so'. And we do so under protest. I don't see it as lobbying. I see it as part of my job as a good legislator to get good policy."
How are the public meant to have trust in our democracy when the right hand and the left hand disagree on the fundamental point of who is and is not a lobbyist?Nicholas Dunn-McAfee, head of public affairs, policy and research at the PRCA
But Nicholas Dunn-McAfee, head of public affairs, policy and research at the PRCA, said Sheeran's inclusion on the official register only served to highlight the confusion over what constitutes a lobbyist.
He said: "We have a Register of Consultant Lobbyists that ignores the 80 per cent of lobbyists who work in-house.
"Barry Sheerman MP has become the first parliamentarian to feature on the Register. On one hand, we have the Standards Commissioner and MPs' Code of Conduct, which prohibits paid advocacy and does not consider Sheerman to be a lobbyist. On the other hand, we have the Register of Consultant Lobbyists, which clearly considers Sheerman's company to be offering lobbying services."
Dunn-McAfee said public trust in democracy was being undermined by Sheerman's inclusion on the register.
He added: "How are the public meant to have trust in our democracy when the right hand and the left hand disagree on the fundamental point of who is and is not a lobbyist? The cracks are clear for all to see: it is time to look again at lobbying regulation in the UK and strengthen the definition to include all those who influence government or advise others how to influence government."
Paul Beckford, the CIPR's public affairs chair, also criticised the confusion which stemmed from the announcement.
He said: "It is hard to see how an MP can fall within the remit of the statutory lobbying register and at the same time comply with the MP's Code of Conduct which says 'No Member shall act as a paid advocate in any proceeding of the House'. The Commissioner for Standards in Public Life should now decide if registering as a Lobbyist is compatible with the rules of the House of Commons and the MPs Code of Conduct."
Meanwhile, Paul Bristow, chairman of the Association of Professional Political Consultants (APPC), urged MPs to "tighten up their own rules" about lobbying.
"No parliamentarian should ever receive monies where their role is to influence policy-making. It's a blatant and obvious conflict that should be easy to remedy. No MP should work as a legislator and consultant lobbyist. Conflicts of this nature threaten to sully the whole business of lobbying and lawmaking, diminishing the public trust in democracy: the perception of wrongdoing is in some ways just as important as the act itself.
"We should not be afraid to compel our policy-makers to act in a way that avoids creating perceptions of conflicts or impropriety."
This article was updated on Wednesday morning with comment from the APPC.


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What Happens When the District Court Judge Doesn't Get It Right: The Minnesota Court of Appeals Process
You hire an eminent domain attorney, compile your case, argue in court, and lose. Is this the end of the road for your case? Sometimes. But in this complex area of law, it is possible for judges to make an error of opinion, overlooking important case law that supports your particular case. When this happens, you have the right to appeal the decision of the district court with the Minnesota Court of Appeals.
When to Pursue an Appeal
While you always have the right to appeal an eminent domain ruling, it doesn't always make sense to do so. There must be evidence that the district court judge made an error in judgment based on either the facts or the law, therefore making it appropriate to send your case back to the district court for remand or to overturn the district court's ruling entirely. However, it is often very difficult to overturn a judge's decision if you think they made a factual error. In other words, it generally only makes sense to appeal your case if you believe there was an error in the interpretation of law, not in the facts of the case.
To determine if you have a good case for appeal, your attorney must gather and present legal evidence of the judge's error. No new facts or witnesses may be presented in an appeals case. This requires a lot of legal research and knowledge of eminent domain law, so it's important your attorney has experience and expertise in arguing appeal cases.
Minnesota Court of Appeals Process
There are five stages to an appeals case in the Minnesota court system.
Service and Filing of Appeals Papers. This occurs after all aspects of your eminent domain case are decided in district court and after your attorney has gathered enough legal evidence to support your appeal.
Preparation of District Court Transcript and Records. Once the appeal is filed, the court gathers all documentation relating to your district court case.
Briefing. Your attorney submits your argument and all evidence to the Court of Appeals and the respondent.
Oral Arguments (or Nonoral Conference). If both you and the government have attorneys, the Court of Appeals may hear oral arguments from both sides. If one side lacks an attorney, the court instead reviews only the written arguments and evidence.
Decision. The court discusses your case privately and issues a written decision within 90 days of oral arguments or nonoral conference.
The appeals process is complex and can take some time to complete. If you win your appeal, the court will either overturn the ruling of the district court or send your case back to district court for further proceedings. If you lose your appeal, it may be possible to appeal to the Minnesota Supreme Court if you believe the Court of Appeals made an error in judgment based on current case law.
If you believe the judge in your eminent domain case made an error in judgment, you may have reason to appeal your case to the Minnesota Court of Appeals. It's important to have an experienced attorney help you build and argue your appeal. To discover if your case is a good candidate for appeal, contact Jon Morphew and the Morphew Law Office, PLLC at 612-790-9189 today for a free consultation.


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"[email protected]" <[email protected]>
Hsbc Bank confirmation department, We confirm that the transfer of €1,368,00 EUR made by one of our clients Lydia Calixtro to Your Account is 100% authentic and has been approved to be crediting into your Volks-und Raiffeisenbank eG account upon verification of shipment. You are to Mail us the Shipment tracking number so That We can Credit Your Account Immediately , Here is The Routing Code Confirmation for this Transfer # (HB-44293993LB5392000DE) Ensure shipping is made only to the shipping information on this confirmation email only and Send shipment tracking number to us ONLY .Do not provide the buyer with the shipment tracking code until we credit your bank account. Mail the shipment tracking code to our (Customer Service +) [email protected]
What to do next
You are to send the shipping tracking number to us for verification so as to secure buyer's purchase as well as yours.The funds have been deducted from Lydia Calixtro's account and shall be credited into your account immediately the shipment is confirmed by our management as Auction terms and policy to verify international shipping before account crediting due to fraudulent sellers who don't post out item after their accounts have been credited. Below are requested shipping details.
Name Of Courier Service:
Tracking Number or scan receipt:
We have rigorously examined and confirmed the Payment to be VALID. You are required to carry out the shipping now and within 12 hours your bank account can be credited.Go ahead and create the shipment to the buyers desired shipping address below only
Shipping information
Name : Lydia Calixtro
Address: 117 Dryfield Rd
State : Edgware
Zip code: HA8 9JW
United Kingdom
Thank you for using HSBC Bank!
The HSBC Bank Online Team.
Learn more about HSBC Bank.
Copyright 2019 Hsbc. All rights reserved.
If you are reading this because you have received a similar fake invoice or notification, kindly forward it to the address in my signature line and I will report the details to the appropriate authorities
E-Mail :: [email protected]


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I was browsing through the 'gram the other day when I noticed something that was both hilarious and horrifying to me in equal measures on one of my stories: A fellow Travel Blogger was trying to teach aspiring Bloggers how to take the perfect Insta travel selfie – as you can probably imagine, it involved pretending to laugh (to assure friends and followers that you are having SUCH a great time), not looking at the camera while staring pensively off into the distance, making sure that everything in the shot is colour coordinated and perfectly asymmetrical, blah, blah, blah.
Can we just hold up a second please and assess that scenario? I feel like we really need to acknowledge the way that our Instagram accounts are shaping the way that we travel the world (and not for the better).
Travelling used to be something that people did out of a genuine desire to see the world – the sights, sounds and smells of a new country, the chance to finally see that fascinating wonder that we have day-dreamed about for years.
I've travelled a lot, but let me give you a "for instance" here. I remember the excitement of arriving in front of the pyramids in Cairo a few years ago with my then boyfriend. We snapped a handful of photos of us posing awkwardly in front of the Sphinx and then went about our day exploring, haggling, trialing questionable foods and speaking with locals. The photos that we took, and the actual time involved in taking them, took up such a small and insignificant portion of our day and it was certainly not the main focus of our time.
Flash forward to today, and you have people scrolling frantically through their camera reel, analysing their travel photos to an obscene degree and questioning whether or not it is good enough to go on Instagram. Solo travelers linger around waiting for the crowds to pass so that they can set up their tripods or whip out their selfie sticks, and couples take it in turns to play photographer. Large chunks of the day are transformed into a photo shoot which of course is followed by the aftermath of critiquing, filtering, and uploading the photos to the 'gram, and waiting for the likes and follows to come flooding in (aka the validation).
It has to stop. I am concerned for the new wave of travelers because I really feel that by making your Instagram account the focal point of your adventure, you are missing out on all that is truly beautiful about traveling.
Travellers are becoming so preoccupied with capturing everything on their stories, they are not fully appreciative of the scenes that are unfolding around them. Travelling should be a way to "get away from it all" but these individuals simply cannot take the time to disconnect from social media, and fully immerse themselves in the travel experience.
Stop comparing yourself and your travel pictures to the perfectly preened Insta women sitting at the top of mountains in long flowing dresses. More than likely, they've had to sacrifice several other (much more fulfilling) activities in order to set up that shot. Besides, how many women posing in floppy canvas hats does this world need? We are finding ourselves with a global army of Insta clones.
I accept that everyone wants to return from their travels with photos that they can look back on and smile at, and everyone wants to feel that the snap is at least somewhat flattering. Taking photos is okay, obsessing over their quality isn't. So next time you are travelling, use your Instagram as an accompaniment for your adventure, rather than the pinnacle which it revolves around.
Candid photos of you genuinely laughing and joking with new found travel friends and hiking a mountain looking all sweaty yet satisfied are the ones that you are going to look back upon in years to come and remember the great time that you had, not the ones which required an outfit change, a makeup touch up, the purchasing of props and generally staging the shot. Remember that.
*Drops Mic*
Pin it For Later!


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Morgan Ruley Bridals
There are so many pluses to having a bridal session a month or so before your wedding. You can get a feel for what your hair and makeup will look like wedding day - a full "dress rehearsal" in a sense! My personal favorite though, we get to capture gorgeous images without the stress of a busy timeline on wedding day.
Morgan's dress was so fitting for her! Every single detail of it was perfect for her personality! I swear it was MADE for her! I cannot wait for you guys to see all the vintage-chic details from her wedding day! Is she not the most gorgeous Bride?
Makeup by: M2Beauty


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Looking back at my younger years, I don't regret the mistakes I made, because at the end of the day they shaped me into the person I am today. There is, however, a few things I want to tell younger me.
1. Stressing about situations, won't change it.
I've had countless nights where I couldn't sleep because I was either stressing about people who, I don't even have in my life anymore or about life in general and at the end of the day, all that did was keep me up at night and make me unhappy.
2. Fear will get you nowhere.
Growing up I was always afraid to try things that made me happy. Always afraid of what my parents might think if I didn't follow what they wanted me to do and that never got me anywhere. It took me about two years to stop being afraid of change and what people might say about my choices, and I've never been happier.
3. True love does not hurt.
Love. I think this was probably the hardest thing ever. I started dating this guy in matric and at that point in my life, it was the best thing ever. I fell in love so hard that I didn't see how he was changing me into someone I promised myself I never wanted to be. I was so blindly in love that I stayed in a relationship, that wasn't only unhealthy, but not right for almost 4 and a half years. What that taught me, was that I'm stronger than I thought I was and to never give my all to someone who only gives a quarter of them and most importantly. Love is not supposed to hurt.
I know most of you probably expected the traditional glow up post but this is definitely not that type of glow up. I glowed up in a sense of who I am as a person. I used to be so hell-bent on making everyone else happy, that I forgot about myself until I realized I had to be happy too. I'm happy to say that I'm slowly growing more into the person I've always wanted to be and I'm happier that I've ever been.
I've always wanted to do a glow up/advice to younger me post and I'm so happy to be collaborating with simplychanteblog on this. I've been a fan of this young lady since I started following her on Instagram a while ago.
You can check out her blog here and follow her on Instagram here.
I hope you enjoyed this post.
Love, Always.


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By Dr. Margaret (Peg) M. Yacobucci, Professor, Department of Geology, Bowling Green University
Paleontologist Richard D. Hoare passed away on March 27, 2018 at the age of 90. Dick was an emeritus professor of Geology at Bowling Green State University (BGSU) and my valued colleague. He began teaching at BGSU in 1957 and served as department chair in Geology three times between 1967 to 1984, and Associate Vice President for Academic Affairs from 1984 to 1988. While he officially retired in 1990, Dick remained active in paleontological research until 2010.
I've been reflecting on Dick's contributions to our department and university, to our students, and to the field of paleontology. Dick serves as a model for how to be a successful and highly productive scientist without abandoning students, colleagues, family, and friends. His career illustrates the many ways in which faculty members can positively impact those around them.
When I arrived at BGSU as a new faculty member in 1999, Dick was already nine years into retirement but still coming into his office every day to work. Dick taught me the effectiveness of steady, consistent effort. Over his career, he authored over 100 publications, primarily on Paleozoic marine invertebrates. (He had a special affection for Pennsylvanian-aged mollusks and was a world expert on fossil chitons.) Dick achieved this high level of productivity not by prioritizing his research over everything else in his life—his teaching, his students, or his family—but by simply working every day, consistently. He never lost his fascination for the fossil specimens he studied and enjoyed each day's efforts.
Dick had a strong impact on me, as a new junior colleague, and on my students. I asked some of them for their memories of Dick. Here are what two students had to say:
"My fondest memory includes going to his lab to learn how to 'smoke' tiny ammonites. I remember the smell of pipe smoke, the twinkle of delight in his eyes, and the calm, gentle instruction in the art of dusting the fossils of which he was a master."
"He was such a gentle man. I remember he made me feel as if I could 'do this paleo stuff'. Gave me emotional strength. He was such a kind mentor. I of course was star struck."
These comments make clear how valuable a few words of encouragement or a few hours of help can be for students. I think we faculty often feel we have to sink huge amounts of time into mentoring our students to have any impact, when in reality, the right words at the right time can make all the difference. I also don't think it's an accident that the two students quoted above were women. Dick had an intuitive understanding of "imposter syndrome" and knew how to boost students' confidence by treating them as fellow paleontologists.
For my part, Dick was not intrusive as I took over as BGSU's invertebrate paleontologist, but was always available for advice and support. He toured me around BGSU's fossil collections, shared his books with me, and took me to a local field site (where he showed me my first rostroconch!). Many paleontologists sought me out at conferences to ask after him. Through his lifelong friendships, Dick managed to "introduce" me to these senior colleagues without even being there!
Dick's strong commitments to collegiality, service, and giving back were another lesson for me. As department chair for 11 years and in his work in the Provost's office, Dick demonstrated the importance of stepping up and working for the benefit of one's colleagues, department, and university. And Dick's service to the Paleontological Society, serving as Journal of Paleontology editor from 1985 to 1988 and a technical editor for much longer, made clear that we each have an obligation to support the larger paleontological community.
Dick graduated from high school in 1945 and was promptly drafted into the U.S. Army, serving in postwar Europe for several years. He was then able to use the G.I. Bill to go to college. Because of these experiences, Dick really understood the importance of financial support to open doors for people and provide opportunities they would not otherwise have. Dick saw a need in our department for financial support for graduate student research. Existing departmental grants came with strings, e.g., only for economic geology, only for field research. So Dick generously established the Richard D. Hoare Research Scholarship, which currently provides up to $1,500 per year for graduate student research, without any restrictions on its use. The Hoare fund has been essential to the success of many of our graduate students—yet another example of the ways in which Dick positively impacted our department.
My academic training at research-intensive universities presented me with one way to be a successful scientist: devote all your waking hours to your research, avoid all "distractions," be confrontational in person and in print, treat others as competitors to be beaten, and forget about work-life balance. It wasn't until I arrived at BGSU that I saw modeled for me another way of being a scientist. It is possible to be kind and encouraging, a thoughtful teacher and colleague, active in the community and devoted to one's family, and still be research-productive. Dick's lifetime of work shows us that there are many ways a scientist can positively impact others and the field.
Dr. Peg Yacobucci
Professor of Geology
Bowling Green State University


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Co-founder / CEO at CLIPZINE.me ..... Life is a journey, not a destination. _ Ralph Waldo Emerson http://www.pinterest.com/keunsupShin https://www.facebook.com/Clipzine
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Personal Management
Overall Expectations
GLO A: Build and maintain a positive self-image
Specific Expectations
1.A.1 Evaluate the impact of self-image on self and others
MediaSmarts Resources
Gender Messages in Alcohol Advertising
I heard it 'round the Internet: Sexual health education and authenticating online information
Marketing to Teens: Gender Roles in Advertising
Marketing to Teens: Gotta Have It! Designer & Brand Names
Perceptions of Youth and Crime
Promoting Ethical Behaviour Online: Our Values and Ethics
The Impact of Gender Stereotypes
Overall Expectations
GLO B: Interact positively and effectively with others.
Specific Expectations
1.B.4 Demonstrate openness to the diversity (of lifestyles, abilities, etc.) in the world.
1.B.5 Identify various communication skills, and adopt those that are culturally appropriate
MediaSmarts Resources
Promoting Ethical Behaviour Online: Our Values and Ethics


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Try these 2 easy exercises to improve your running time and distance!
Your going through the motion of throwing on your running shoes and walking out the door to get in the "X" amount of miles you tell yourself your going to do that day can lead to your body plateauing and not making further positive progress.
Naturally the key metrics to monitor overall running performance gains are the time it takes to complete said distance or your ability to push for greater distance. These 2 metrics are easily measured and can be improved upon in time quickly with the introduction of 2 easy endurance training exercises.
For starters lets look at the major muscles involved with running….
The quads, glutes, hamstrings, and calves all work in unison to propel the body forward which doesn't place a specific strain on any given set of muscles.
In long distance running the hamstring and calves are the prodominantly stressed muscles, while in a sprint the quads and calves are the explosive movers.
The easiest exercises to train for increased muscular stramina is the incorporation of light weight and very high rep prone leg curls, and the introduction of either weighted calve raises or jump roping which allows for calve specific training. This will also work the short head of the quad which is activated in each rebound.
Try to incorporate these on running days aswell to maximize the conditioning of the muscles targeted, and dont forget to take high quality BCAA'S before, during, and after any exercise to protect your hard earned muscle!
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US retail sales slump
Pound Sterling - UK Markets
The sterling-dollar exchange rate slid to 1.51 this morning as a downturn in risk appetite put the pound under pressure. Sterling is retaining support above 1.11 on the euro and is trading at JPY144 and AUD2 this morning.
The Bank of England's quarterly inflation report released yesterday revised growth and inflation projections significantly downward, putting pressure on sterling exchange rates. The Bank predicted a -4.5% trough in growth this quarter and projected inflation would be running at 1.7% in 2 years time. Governor King also suggested economic recovery could be a gradual process with growth returning to the UK economy in the first quarter of 2011. This morning British Telecom has announced it will cut 10% of its work force, or 15,000 jobs after losing GBP1.28 billion in the last three months. There is no major data due in the UK for the rest of the week.
US Dollar - US Markets
The US dollar recovered yesterday as the rally in equity markets stalled due to weak economic data. The dollar is currently valued at EUR0.73 and GPB0.66 and has also gained against the Japanese, Indian and Australian currencies overnight.
US retail sales fell 0.4% in April, a larger than expected drop with petrol and electronic goods particularly hard hit. Following rising retail sales in February and March, the decline was unexpected and takes the annual rate of contraction to -10.1%. Unemployment levels, which have reached a 26-year high, are partly to blame for the decline in consumer spending. This news, combined with downbeat growth forecasts for the UK led to a mild setback in global equities and oil prices as investors became wary of taking on too much risk. Initial jobless claims and the producer price index are due out in the US today.
Euro - European Markets
The euro rate is relatively unchanged against the dollar this morning, trading at the 1.36 level. The euro has also posted gains against the pound, yen and Australian dollar this morning, though weakened slightly against the Canadian and New Zealand dollars.
The euro rate slid against the US dollar yesterday as negative growth forecasts in the UK and a sharp contraction in US retail sales minimized the appetite for risk. Eurozone industrial production was also much weaker than expected in March, falling to -20.2% year on year. Today the ECB monthly report is due with German GDP figures released on Friday.
Other Currencies - Highlights
Diminishing appetite for risk is weighing on the Kiwi dollar at present, as the stall in global equities reduces demand for higher yielding currencies. Lacking the recent commodity based boost the Australian dollar received and with a worse economic outlook, the Kiwi dollar has come under pressure and is currently trading at around USD0.61. New Zealand retail sales figures for March are announced today.
Economists are predicting Japan's economy shrunk at a record pace last quarter, by an annual 16.1%. This is amidst an unprecedented drop in export levels as the strong yen has affected export levels. Japanese manufacturer Sony has reported their first annual profit loss in 14 years, joining other manufacturing giants such as Toyota and Hitachi in large scale profit write downs. In China, industrial production has also slowed for the second consecutive month, taking the annual rate down to 7.3%. Japan's domestic corporate goods price index is due out today.
Cycling for Charity
And finally, if you want to do something positive with your currency, two of our directors, Hakan and Tien are about to embark on a week-long cycle from Bayonne to La Rochelle in France. All funds are donated to Islamic Relief, an international relief and development charity that aims to alleviate suffering among the world's poorest people.
To donate to this worthy cause, please visit http://www.justgiving.com/hakanenver
Thank you for your support!


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The other day a radio producer complimented me on a book I was publicising. I agreed; it's a great book on a fascinating subject. She then asked who the publisher was.
I realised she was presuming it was a big release by a major publishing house. And it had the kind of cover and content that might lead you to think that. I told her the author had published it himself and then gave her the unique name of his publishing company.
She was a bit quiet.
I then told her that most of my book publicity clients were self-published non-fiction authors. And then I told her why I love it, "They're usually completely independent people, running their own businesses doing something they love and they have strong opinions."
It's true…and what more could a publicist ask for! She then asked if the book had been knocked back by a major publishing house. This author has two other books, one published by a multinational.
I told her it was very unlikely he had even offered this one to them. He can write it, have it edited, pay for it to be printed; print a few or print a lot, pay a distributor and engage his own publicist; who will give it heart and soul.
He feels absolutely in control. It's an old world view that a self-published author has any less authority and credibility than one signed to a publishing house. I run into it all the time. Is it time to run a media campaign about it?


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Joseph Pisani, of the Associated Press reports the card, launched Thursday with JPMorgan Chase and Visa , comes as Starbucks struggles with slowing growth in the U.S. Mobile payment in the US has grown to more than 30 percent of total tender for Starbucks. Here's a new way to up your Starbucks Stars count and your credit limit: Starbucks just launched its very first credit card, in a partnership with Chase. Read More »
Syrians Win Permission to Stay in the United States, for Now
Eligibility for the TPS extension requires that the Syrians have continuously lived in the US since August 1, 2016. and have remained physically present in the country since October 1, 2016. "Syria, without a doubt, continues to be unsafe and unstable". There are about 2000 Syrians who have arrived in the U.S. since that date and who will not be protected by the TPS renewal, reports NPR . Read More »
Turkey: Rocket attacks from Syrian enclave kill 2
According to Turkey, it is targeting the YPG, the main Kurdish militia in the area. Turkey considers the YPG, the armed wing of the PYD, to be an extension of the Kurdistan Workers Party which has waged a decades-long insurgency in Turkey's mainly Kurdish southeast. Read More »
London mosque attacker jailed for 43 years
Passing sentence at a London court, judge Bobbie Cheema-Grubb told Osborne: "This was a terrorist attack". "This was a terrorist attack - you meant to kill", the judge told him. Osborne, 48, became radicalised over a month past year after watching a television programme about a child sex ring scandal involving a gang of mainly Muslim men in northern England. Read More »
Finance Minister Arun Jaitley interacts with industry leaders after Budget 2018
The government said the scheme would be "the world's largest government funded health care programme" but critics have raised doubts whether 20 billion rupees in federal funding is enough to support the program for 2018-19. He further said the states will be given the choice to either opt for insurance based model or Trust based model for implementing the scheme. Kumar said around 6-7 crore persons fall into poverty each year due to medical expenses and they are often in non poor category. Read More »
Theresa May under pressure over Brexit position
Asked whether she would favour a deal that limited disruption to trade, or one that emphasised Britain's power to forge its own path, she said: "These are not the options we have before us". Fox earlier ruled out membership of any customs union , as any such arrangement would prevent trade deals with other countries. Britain is trying to reinvent itself as a global trading nation after a 2016 referendum decision to leave the European Union , and China, the world's second-largest economy, ... Read More »
Accountant John David Battaglia who killed his daughters is executed
Convicted killer William Rayford was executed Tuesday. When the warden asked him if he had any final statement, he replied, "No". "Go ahead please", he said, according to the Houston Chronicle . Ms Pearle desperately called 911 and Battaglia was arrested hours later outside at a tattoo shop where he had two large red roses inked on his left arm to commemorate his daughters. Read More »
Trump talks to South Korean president on trade, human rights in North
Trump has pushed for an oil embargo against North Korea, a measure that could significantly dent the country's military operations and the broader economy. Experts said Trump's embrace of defectors could also be interpreted in Pyongyang as a threat. The first, and most obvious, is that it's highly unlikely Kim Jong-un will believe the Trump administration's assurances that "surgical" strikes are not the opening phase of an all-out United States assault aimed at overthrowing the regime. Read More »
Police arrest NDFP consultant Rafael Baylosis
Seized from Baylosis and his companion following the arrest were two caliber.45 pistols, 14 ammunitions, two pieces of magazines, cellphones, and assorted documents. He said Duterte should be held accountable "for this trampling upon a valid peace agreement" that assures all those involved in the peace talks immunity from arrest. Read More »
U.S. restricts arms shipments to South Sudan
Uganda already hosts more than one million South Sudanese refugees, and they have also fled to neighbouring Sudan, Kenya, Ethiopia, the Democratic Republic of the Congo and Central African Republic. In a like manner, the East African country is projected to have the largest refugee crisis since the genocide in 1994 at three million refugees by the end of this year. Read More »
Kenya defies court order to reopen TV stations, detains opposition figure
The U.S. urged the Government and all Kenyans to respect freedom of expression and implement court orders calling for the restoration of television broadcasts. "Miguna publicly declared that he is the general of NRM, which is already declared a proscribed group". Kenyan lawyer Miguna Miguna has been arrested at his Runda home. Read More »
Tigers quartet kick off Six Nations in Rome
Last week he revealed that he funded a six-week rehab programme in Australia at the end of a year ago to ensure he was fighting fit for the Six Nations . What frustrated me was we'd actually played good rugby in the match and didn't get the credit for it. People came to Twickenham thinking England would score 100 points. Read More »
Migrants clash in Calais leaving four teenagers in critical condition
According to AFP , the seriously injured migrants were Eritrean youths aged 16-18 and one was said to have been hit by a bullet in the back of the neck. Mr Elphicke said at the time that he agreed with bringing in children directly from war zones. Insisting that "very few" people successfully sneak across to Britain, Collomb said, "if you want to go to Britain, you shouldn't go to Calais". Read More »
90 migrants drowned off Libya coast
At least two survivors swam to the shore, while another was rescued by a fishing boat, the spokesperson added. More than 218 migrants have already died on the route in 2018 before today's tragedy, according to IOM figures. The number of migrants and asylum seekers crossing the western Mediterranean Sea to Europe this year is likely to increase, after 2017 closed with more than twice the traffic of the previous year, warned Europe's border watchdog last month. Read More »
Boston Celtics to sign free-agent center Greg Monroe
The 6-foot-11 Monroe has split time between the Milwaukee Bucks and Phoenix Suns this season. The thought if playing in his hometown intrigued Monroe, however, the Pelicans could offer Monroe just 2.2 million. Monroe's role with his new team faces weeks of development ahead, but he will likely shuttle between the bench and starting units, depend on the nightly matchup. Read More »
Smoking driver causes fire, crash in Shanghai, police say; pedestrians hurt
Police said the driver and other 17 people were sent to the hospital with injuries, but no lives were in danger, on the micro-blogging site Weibo. A local newspaper reported that gas cylinders were in the vehicle. Her schedule went ahead as planned. Several people were reported injured as the field license van "deliberately" crashed into the crowd. Friday's crash occurred just as the British prime minister was speaking at a business event in Shanghai. Read More »
6 more weeks of winter?
Pennsylvania's most famous groundhog foresees no early end to winter. Thousands of people gathered overnight to await the forecast, bundled up against the cold and entertained by folk music and a fireworks display, with temperatures around -12 C. Read More »
Iran arrests dozens of women as anti-hijab protests heat up
Since Monday, Iranian women took off their headscarves and waved them on sticks, in protest at laws that make it obligatory for women to wear the Muslim hijab. Such discussions have rarely reached national newspapers, which operate under heavy censorship, but comments by judicial officials allowed Shargh to write about the matter. Read More »
EFF Prepared to 'Raise Issues' About 'Illegitimate President' At SONA
The office of parliamentary speaker Baleka Mbete said she made a decision to hold the vote on February 22 in response to a request from the Economic Freedom Fighters, an opposition party. "Ms Mbete had also consulted relevant stakeholders". "These extraordinary circumstances warrant extraordinary action - the ANC can not hold the country hostage as we wait for their party to recall their lame-duck president". Read More »
Ruling by Court in Maldives Breathes New Life Into Political Opposition
People were reportedly manhandled and led away by police officers. It was not immediately clear if there were any arrests, but some protesters were taken away by police. However, it lost much of its democratic gains after Gayoom's 2013 election. The half-brothers have since fallen out, and Maumoon has joined the opposition. Read More »
Trump just lied about his State of the Union ratings
Trump then endorsed a series of vague, but nonetheless bipartisan - if not outright Democratic - policy proposals, including reducing drug prices, infrastructure investment, subsidized job training, and paid family leave. Trump, such as addressing the opioid epidemic and advancing "clean coal" technology. Trump described the latter as "a program that randomly hands out green cards without any regard for skill, merit, or the safety of our people" - an utterly fraudulent claim that ... Read More »
Conte comments on Chelsea exit rumours, Italy return
Chelsea's title defence is nearly over after Wednesday's surprise 3-0 loss at home to Bournemouth left the Londoners 18 points behind runaway Premier League leaders Manchester City . As per The Standard , Italy Football Federation (FIGC) president Fabbricini believes Conte is "eager" to become manager of the Azzurri once again. Read More »
Faso on train that crashes into garbage truck, killing one
Investigators said the train was going around the expected speed, 60 miles per hour, and they've spoken to four eyewitnesses. Aside from the concussion, Lewis's aide says he is otherwise fine. Cole says he's not aware of any injuries on the train . Several Arizona lawmakers were on board the train that crashed into a truck in Virginia Wednesday morning. Read More »
Five dead after two army helicopters crash in France
There were no immediate details on what caused the crash. EALAT, found in nearby town Cannet des Maures, trains helicopter pilots for the French Army, Navy, and Gendarmerie, as well as customs and other civil security agencies. A French army Gazelle crashed into a power line at Caylus in 2003, killing four people. The five-seater Gazelles are made by Britain and France , and are often used for light transport, scouting and attack missions. Read More »
The Men In Black franchise reboot looks like it's back on
I'm not sure what they would have called that movie. According to a new report from Deadline , the studio is now in negotiations with the 48-year-old filmmaker to serve behind the lens for the film which is due out in the United States on June 14, 2019. Read More »
Polar Bears Starving Due to Climate Change, Researchers Confirm
When the team recaptured the bears 8 to 11 days later, changes in the ratio of isotopes in their blood gave a measure of metabolic rate. They blame global warming for the dwindling ice cover on the Arctic Ocean that bears need for hunting seals each spring. Read More »
'Sense of pride, community' found through Black History Month kick-off
He supported his family via farming and mining, and was primarily self-taught. "Black history is American history and as we celebrate the diversity that makes our country and our community strong, it is important that we continue to highlight the hidden figures who have sacrificed their lives for freedom", wrote Tremblay. Read More »
Syria may be developing new chemical weapons, senior USA officials say
Senior US officials claimed the Syrian government may be developing new types of chemical weapons. If necessary, the Trump administration is prepared to take military action against Syrian government forces to deter the use of chemical weapons , senior usa officials said on Thursday. Read More »
Avalanche hits army post along LoC in Kupwara, 3 soldiers killed
The deceased army men have been identified as Havaldar Kamlesh Kumar, Niak Balbeer and Sepor Rajinder. "In an unfortunate incident of avalanche in Machil sector, the Army lost three valiant soldiers", said an army release. Earlier on Thursday, the Snow and Avalanche Study Establishment (SASE) issued an avalanche warning in several districts of Jammu and Kashmir for next 24 hours. Read More »
Palestinian Authority's Abbas to Address UN Security Council Feb. 20
They also called on all States to refrain from establishing diplomatic missions in the city. The move comes amid escalating tensions between the Palestinians and the USA since President Donald Trump's Jerusalem declaration. Such a move - involving unilateral recognition of a sovereign, independent "State of Palestine" without direct negotiations with Israel, would allow the Palestinian Authority to abrogate and evade its commitments under the internationally-recognized Oslo Accords which it ... Read More »
Jewish groups blast Polish Senate's passing of Holocaust bill
The legislation set fines or a maximum three-year jail term for anyone who refers to Nazi German death camps as Polish or accuses Poland of complicity in the Third Reich's crimes. "These are the facts of that awful history, and the Poles, like all other nations conquered by Germany that became embroiled in the Nazi atrocities, have an obligation to the victims and to the future to seek the full truth, however painful", the editorial stated. Read More »
Rex Tillerson Starts Latin America Tour With Visit To Mexico
While aiming to enhance energy cooperation with Latin American nations, Tillerson lashed out at Venezuela , a country with vast oil reserves whose people have been impoverished by a crippling economic crisis. He is scheduled to travel to Mexico City on Thursday afternoon to meet with high-ranking officials as part of a almost weeklong trip across the Western Hemisphere. Read More »
Groundhog Day: 5 weird things you don't know about this quirky tradition
British Prime Minister Arrives in China to Forge Post-Brexit Trade Ties
It has piled pressure on Prime Minister Theresa May , who is under fire from some in her own Conservative Party for lacking leadership and a clear Brexit plan, as she negotiates a deal to end more than 40 years of union. On the first day of her trip the prime minister announced a UK-China effort to strengthen global action against the illegal trade in ivory. May was due fly to Shanghai on Thursday evening after a tea ceremony and formal dinner with President Xi and his wife, Madame Peng, ... Read More »


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Automechanika, the circular economy, and all that data
Oakdene Hollins spoke to Automechanika on how the Chinese view remanufacturing, and learned about the issues to the circular economy of data collection and management.
David Fitzsimons addressed the Automechanika event organised by the SMMT in Birmingham in June, which was attended by over 10,000 people. (The aftermarket for vehicles is clearly thriving!) David spoke about his recent meetings in Beijing and Shanghai and the position China is taking on remanufacturing.
One of the biggest issues on the agenda was how data will be managed by OEMs. Cars are already packed with sensors and the information can be useful for the maintenance of the vehicle. OEMs want that data, much as your mobile phone operator or Google want it as well. And caught in the middle of this are the independent garage trade and remanufacturing companies. Will they be excluded from the data? Will they be asked to pay to access it?
Sylvia Gotzen and Neil Pattemore from trade association FIGIEFA provided their own insight to the debate and how the European Commission could help to protect consumers. This is a policy issue that has legs. It has implications for the circular economy goals that are being discussed in conferences around the world, thanks to the work of the Ellen MacArthur Foundation. Oakdene Hollins is glad to be participating in it.
We will be following up by attending the SMMT launch of the 17th Sustainability Report, and the Jaguar LandRover REALCAR event in London in July. For more information about REALCAR (REcycled ALuminium CAR), please visit the Jaguar Landrover newsroom.


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Meet UOVO
Why UOVO
The UOVO Advantage
UOVO is reimagining collections storage and services.
From climate-controlled storage and private viewing rooms, to transportation, packing, crating, and installation services, UOVO provides an array of storage options and innovative service and management solutions tailored to meet the specialized needs of any collection.
Each UOVO facility is purpose-designed and managed by a team of industry-leading experts dedicated to ensuring that works are safeguarded with the highest caliber of security, discretion, professionalism, and care.
The UOVO Name
"UOVO" (pronounced "woh-vo") means "egg" in Italian and reflects our central mission to safeguard and protect fragile objects. Our name is as unique and different in our industry as our facilities and quality of service.
UOVO was conceived by real estate executive and art collector Steven Guttman. While exploring storage options for his own collection, Mr. Guttman recognized the need for a new model of storage and services that could better address the specialized requirements of important fine art, fashion, design and antique collections. He developed New York's first purpose-built facility in Long Island City that approaches storage as a central component of collection stewardship and built a team of industry experts to provide the highest caliber of professionalism and care.
UOVO is a dedicated team of experts whose depth of experience has distinguished them in their fields. Our wide range of specializations has one common denominator: we are passionate about art and ensuring its long-term preservation.
- Founder and Chairman
- Chief Executive Officer
- Partner
- Chief Operating Officer
- Vice President of Operations
- Executive Vice President of Finance and Business Management
The Art of UOVO
More than just art storage: The Art of UOVO is a blog where you can read about our passions, find insider knowledge based on our expertise, and get a behind-the-scenes look at the art world. Learn more about our team, facilities, approach to collection management, and all our services including transportation, installation, packing and crating. Whether you are looking for fine art services, couture storage, archive management, or viewing rooms, The Art of UOVO has helpful tips and key insights about our operations and perspective.
UOVO is committed to building a talented team and recruiting the best in a variety of fields. Please see below for the currently available positions.
Operations Manager, UOVO: NYCUOVO seeks a full-time Operations Manager to support day-to-day activities at our Long Island City facility. The facility consists of over 270,000 square feet of storage and is a logistical hub for fine art deliveries, transport, installations and other logistical projects. The Operations Manager...More
Crew Chief: Project Manager & Lead Art HandlerUOVO seeks a full-time Crew Chief to support and supervise art handlers in day-to-day activities within our Long Island City Flagship location. The ideal candidate will have strong leadership skills, experience working in New York City and/or storage/collection management experience and will be...More
Art Handler/Driver, UOVO: NYCUOVO seeks a full-time driver with art handling experience to support day-to-day activities at our Long Island City facility. The ideal candidate will have 3-5 years' experience working and driving in New York City and will be comfortable packing and moving a wide range of art...More
Art Handler, Rockland CountyUOVO seeks a full-time art handler to support day-to-day activities at our Rockland County, New York facilities. Located 18 miles from Manhattan, the facilities consists of over 180,000 square feet of storage and is a logistical hub for fine art deliveries. The ideal candidate will have 3-5 years...More
Account ManagerDynamic and rapidly growing Fine Art Services Company seeks an Account Manager. UOVO is the largest ground-up museum quality storage facility in the United States. The Account Manager is responsible for developing and maintaining strong customer relationships with principal clients to support art...More


text: Blogs tweet Follow @thrillsociety Welcome to the home of thrilling blogs! We have over 1,000 posts under these categories: Adventures of the Boondocking Photographer Entertainment Music Health and Fitness Motorsports Photography Tips Sports Travel Follow TTS on YouTube by clicking HERE! Do you have a Thrilling video, photo, story or music you would like to see on our site? Send us your stuff by clicking HERE! If we post your stuff you will win a TTS logo t-shirt! Thrill Girl Chanel 2016-02-14 Tom


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Harry Nicholas Mihos
Harry Nicholas Mihos, 88, passed away on November 1st, 2017 in Salt Lake City.
Harry is remembered for his genuine kindness. He wasn't just a people person—he really cared about other's happiness and did whatever he could to help. He was such a bright light in the lives of those who knew him.
He was born in Desfina, Greece. His parents were Nicholas and Elizabeth Mihos. Harry immigrated from Greece in 1956 with his beloved brother, Aleck Mihos, to assist their Uncle Harry Miles in the hotel business. They spend a lot of time together learning the English language, customs and way of life in their new country. They worked hard and were instrumental in the success of the Miles Hotel in downtown Salt Lake City which is now the Perry Hotel. He was a skilled business man specializing in the hotel and real estate business among other things.
Preceded in death his parents, wife (Anna) and siblings: Kosta, Harry, Sotiri, Sinecio, Eleni, Aleck and Athanasia. Survived by sons, John and Pete, granddaughters Tia and Telise and many nieces and nephews, including Nickie and Victoria living in Salt Lake City.
He was always so very proud of his nieces and loved to spend time with family & friends. He also loved to go deer hunting and other excursions with his buddies. Harry was passionate about the garden he kept at his home. Whenever someone would visit, he was always so excited to give them a tour. The smile on his face could light up a room. He even grew figs in Salt Lake City, which is not an easy thing to do.
Harry loved to accompany his wife, Anna, on gambling trips. He never gambled, but enjoyed coming along for the ride and socializing. Harry was so loving--he even kept cookies in his pockets for Anna, who oftentimes didn't stop gambling long enough to eat something.
Like all of his family, he had such a giving and generous soul, always helping others. You did not have to be related to Harry in order to be treated like family. When he retired from working in the hotel, he loved to cook for everyone. His Biram was incredible. He made many good friends over the years and was blessed in many ways. Harry Nicholos Mihos is remembered as a kind-hearted, incredible person. He was adored by everyone that knew him.
Funeral services will be held on Monday, November 6th, 2017 at 10:00 AM at the Holy Trinity Greek Orthodox Church, 279 South 300 West in Salt Lake City, UT.
May his memory be eternal.


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Teen downloaded child porn to PC; 19-year-old is locked up for underage sex.
Lewis Williams confessed his crime to police when his father was wrongly arrested following a tip-off from a computer shop in High Street, Barry.
While being interviewed by officers, the 19-year-old from Porlock Drive, Sully, also admitted having a sexual relationship with a girl he thought was 17 but who turned out to be only 13.
At Cardiff Crown Court yesterday, Williams was sentenced, having pleaded guilty to making indecent images of children and two counts of sexual activity with a child at an earlier hearing.
Steven Donaghue, prosecuting, said the child pornography offences came to light when the computer was taken for some "refurbishment" work on December 11 last year.
Mr Donaghue said police were alerted when a file containing indecent images of children was discovered by a shop worker.
In all, 1,072 static images were uncovered along with 12 movie images.
Nine of the static images and two of the movie files were in the most serious, category five, classification and a further 87 static images and six movie files were classed as category four.
"On December 13, police attended his home address in Sully," said Mr Donaghue.
"The defendant was there along with his mother and he admitted straight away it was he who had downloaded the images."
Williams told police he became curious about child pornography when he was around 16.
Mr Donaghue added: "He also said during interview that he had formed a relationship with a 13-year-old girl.
"He said that he had been in contact with her by text and over the internet."
The court heard Williams thought the girl was 17 because that was the age she gave out on her internet profile page but police investigations found shewas only 13.
Philip Warren, defending, said: "He comes from a totally respectable and highly-concerned family.
"Because it was the father who had taken the computer into the shop, it was his father who was arrested.
"It wasn't until he (the defendant) admitted the offence that the father was de-arrested."
Judge John Curransaid: "I bear in mind the age of the defendant but he is old enough to vote, old enough to serve in the Army and old enough to serve on a jury and with adulthood comes adult responsibility."
He sentenced Williams to 16 months' imprisonment in a young offenders' institution, concurrently, for both counts of sexual activity with a child.
For downloading child porn, Williams was sentenced to nine months' imprisonment to run concurrently with the sexual activity with a child offences.
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Track features on the soundtrack to RZA's film 'The Man With The Iron Fists'
A preview of a new Kanye West song, titled 'White Dresses', has appeared online – you can listen to it below.
The snippet of the track, which features on the soundtrack to the forthcoming kung fu film The Man With The Iron Fists, was uploaded to West's GOOD Music labelmate Pusha T's website.
'White Dresses' has been produced by Wu Tang Clan's RZA, who will make his directorial debut with the film the song has been taken from. The soundtrack, which also features tracks from other members of Wu-Tang Clan and The Black Keys, will be released on October 26.
The Man With The Iron Fists has been co-written by RZA and Eli Roth. It was produced by Quentin Tarantino and stars Russell Crowe and Lucy Liu – you can watch the trailer below.
Earlier this month, Kanye West's GOOD Music cohort Q-Tip dropped hints of a follow-up to last month's 'Cruel Summer' compilation with a new LP titled 'Cruel Winter'. The rapper said: "I'm sorry, I have to let the cat out of the bag. Kanye's probably gonna get…if there's a 'Cruel Summer' then there's got to be a 'Cruel Winter', right?"
'Cruel Summer', released September 18, contains 12 tracks in total and features all the acts signed to West's GOOD Music label including Mr Hudson, 2 Chainz, Kid Cudi, Pusha T and Big Sean.


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ABET Products Support Workers' Learning
Designed to guide, complement, and supplement adult learners' progress through South Africa's National Qualifying Framework, ABET materials run the scope of educators' needs. ABET curriculum materials, assessments, and learning resources assure students compliance with the standards of each Learnership. ABET products include awareness campaigns, assessments, individual and group reporting, students' instructional materials, portfolios, quality assurance … Read more


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"Twinkle, twinkle, ABC, / A mixed-up, mashed-up melody. / A twinkly star, an alphabet, / Just how silly can we get?"
Saltzberg brings together two familiar rhymes that share a tune—"Twinkle, Twinkle, Little Star" and the alphabet song—in a whimsical poem that encourages children to get up and move. "On a tightrope in the air, / Growl, GRRR, like you're a bear! // Play a banjo on your knee, / HIJKLMNOP." Letters of the alphabet float around in large, colorful display type, sometimes making it difficult to guess whether they are part of the song or part of the illustrations. Three kids delightedly frolic through the rhyme in vibrant, colorful cartoon illustrations outlined in thin black lines. The largest child has red hair and a fluorescent green face and wears a cowboy hat with a feather in it; the middle one has light brown hair in pigtails and a blue face and wears a dress. The littlest one has an orange face, blue-black curly, short hair and wears yellow footed pajamas. They dance with brio through various verses of this imaginative song with a trio of animal companions before falling asleep under the stars. "Twinkle, twinkle, ABC // A mixed-up, mashed-up, zzzzzz."
Sing this untraditional alphabet song out loud to older preschoolers who are confident in their knowledge of the alphabet and will appreciate this creative and quirky "mixed-up, mashed-up jamboree!" (Board book. 4-6)


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Tired of Being Tired?
By: Alea Martino
You might not know this, but sleep deprivation is actually one of the biggest factors in a student's failing grade, though they might not even know it. Scientific research done on teenager's sleeping patterns show that...
most teens get between 7 and 7.5 hours of sleep, but they actually need between 9 and 9.5 hours of sleep to be fully rested and at maximum functioning capability.
Sleep deprivation impacts teens' behavior, academic performance, mood, and normal functioning capabilities, such as creativity, memory, decision making, and attention. It might also affect personal home life if the teen constantly lashes out at people because they're exhausted.
"I get unpredictably angry, but being tired doesn't really affect my school work unless I don't like the class," said Freshman Sāsha Thompson. "Then I just lose the will to do any of the work."
Sāsha is one of the many students here who have trouble sleeping, and the result is not pretty.
"I think I'd be in a much better moods if I got more sleep." She said.
That is usually the case with sleep deprivation, but different things keep people up at night. Most times it's stress or worry, but not always.
"It's basically my overactive imagination that keeps me up," Sāsha said. "I'd just rather be in a magical world than asleep."
However, 8th grader Gianna Martino is kept up at night for a different reason.
"I can never get any sleep when I have anxiety about an upcoming school project." She said. Now, that is the MAIN reason for sleep deprivation. Stress, worry, anxiety, they are the worst things you could possibly be feeling when it's time for bed. Chances are you'll get around 6 to 7 hours of sleep that night and not be able to concentrate on anything the next day.
"I can't focus, especially in math, when I don't get enough sleep. Sometimes when I'm writing, I'll write the same sentences over and over again because I forget that I already wrote it," said Gianna. "I also get very grumpy and I don't want anything to do with other people."
Sleep deprivation doesn't just affect the person who can't sleep, but the people around them. Gianna's mother, Valerie Martino, said; "My children get very grumpy and short tempered when they don't get the proper amount of sleep. I can always tell when they're exhausted because they have absolutely no energy whatsoever."
The teens who don't get sleep often lash out with hurtful words when all they want to do is go back to sleep. This can result in a fight right before school, which has happened on several occasions at Gianna's house, and is not very pleasant, as it often wakes up anyone who is currently sleeping.
"Sometimes I've tried giving them melatonin and sending them to bed earlier so that they get more sleep." Said Valerie.
Melatonin supplements are sometimes used to treat jet lag or sleep problems, as it's a natural hormone found in the brain that controls your sleep cycle. It usually works with people who have mild insomnia and can sometimes solve sleep problems.
Whatever the cause, sleep deprivation is pretty harmful. Teens need the right amount of sleep, period. When they don't get enough, it's bad news for friends, family, and grades. It's best for EVERYONE if they go to bed a bit earlier, which, let's be honest, isn't really that hard.
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Editor Board, 2017-2018
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May 2018


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Cardiff Half Marathon
Do you want to help change the lives of people affected by eating disorders? Take part in one of the UK's biggest and best road races on an iconic course around Wales' capital city.
The route takes runners past the capital's most iconic landmarks with beautiful scenery and historic buildings. The predominately flat and fast course makes it ideal for beginners and elites.
Join Team Beat at this ever popular event to help support all those affected by eating disorders.
Welsh services are currently undergoing an exciting review, so there's never been a better time to get involved. You can help Beat continue campaigning for improved treatments and waiting times for everyone in the UK.
To join the run, buy your general entry here, then let us know by ordering a fundraising pack below.


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8 Hour Course
Show Course ID: 0
Course ID: Package
Approved By: Oregon Building Codes Division
This 8 hour package meets Code Change (CC) and Code Related (CR) requirements for LME and LEB license types.
These courses we'll start with an overview of the 2017 NEC and then move right into Chapter 4: Equipment for General Use, where we'll explain updates to everything from switches to electric deicing equipment.
Next up are the significant updates to chapters 8 & 9, and the Informative Annexes.
We'll conclude these courses with a detailed look at photovoltaic systems for Oregon.


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Personal details
Mark Steyn
The American comedian, Steve Harvey was born on 17th January 1957. His star sign is Capricorn. He was born in Welch, West Virginia. His birth name is Broderick Stephan Harvey. He is nicknamed as Steve. He resides in Los Angeles, California. Steve attended Glenville High School in 1974.
He also attended West Virginia University. He went to Kent State University. Steve has been a member of Omega Psi Phi international fraternity. During his early days, he has worked as a mailman, an autoworker and an insurance salesman. He was raised as a Christian. He was born to Eloise Vera and Jesse Harvey, a coal miner. He is a well known TV and radio personality, producer, TV host and an author.
Steve Harvey was married to Marcia Harvey from 1980-1994. He has a son and twin daughters named Karli and Brandi, from his first marriage. He was married to Mary Shackelford from 1996-2005. He has a son named Wynton from his second marriage. Steve has been married to Marjorie Bridges since 2007. He has seven children, including three step-kids. Marjorie and Steve have 4 grandchildren.
Steve Harvey has written a book titled Act Like a Lady, Think Like a Man, which was published in the year 2009. He wrote another book titled Straight Talk, No Chaser: How to Keep a Man. Harvey also wrote Steve Harvey's Big Time, also which later became a TV show. He starred in a WB sitcom The Steve Harvey show from 1996-2002. He hosted a music TV show Showtime at the Apollo. He was a finalist in the Johnnie Walker National Comedy Search in the year 1990.
His first stand-up comedy was at hilarities comedy club based in Cleveland. He got a starring role on the ABC show me and The Boys in the year 1994. Steve performed on the kings of comedy tour with Bernie Mac, Cedric and D.L. Hughley, which later became a film called The Original Kings of Comedy. He starred in a sports comedy film Racing Stripes in 2005. He appeared in a musical comedy film The Fighting Temptations.
He performed an amazing stand-up act at the MGM Grand in Las Vegas in the year 2012. He is also a radio host of a radio program the Steve Harvey Morning Show. Steve hosted an ABC TV game show Celebrity Family Feud by Mark Goodson. He was the host of the 2015 Miss Universe beauty pageant in Las Vegas. Steve was the host of the 2016 Miss Universe beauty pageant in the Philippines. His TV credits include The Proud Family, Essence Awards, The Parkers and Who Wants to be a Millionaire.
Steve has won 16 awards and 16 nominations. He has won 5 Daytime Emmy awards. He has twice won the Marconi award. He has won the NAACP Image award 14 times. He was inducted as a star on the Hollywood Walk of Fame in the year 2013. Steve has 3,879,707 followers on Twitter. He has 7,632,706 likes and 8,079,044 followers on Facebook. He has 1,945,327 subscribers on YouTube. Steve has 4m followers on Instagram.
Last Modified: 30 Apr, 2018


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If NOT, try one of these:
The main risk of not drinking enough fluids is dehydration. This means the body has lost too much water. It is a reason to see a doctor right away. Your child may have dehydration if not drinking much fluid and:
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NEW YORK (MarketWatch) -- Treasury prices inched higher and the dollar pared its losses on Wednesday after ADP said private U.S. employers added 43,000 jobs in October. Traders remain focused on what the Federal Reserve will say after its policy meeting ends this afternoon. Yields on 10-year notes TMUBMUSD10Y, -4.88%, which move inversely to prices, fell 3 basis points to 2.56%. The dollar index DXY, -0.92%, which tracks the greenback against a basket of six major currencies, traded at 76.659, from 76.611 earlier and compared to 76.719 in late North American trade Tuesday. The euro EURUSD, +0.5685% traded at $1.4040, versus $1.4049 and from $1.4036 Tuesday.
Dollar pares losses, Treasurys gain after ADP
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+0.0063 +0.5685%


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Is there anything more international than culture? People in countries all over the world know that Cervantes created Don Quixote, that disheveled, gentleman with his faithful squire forever in tow, "Somewhere in La Mancha, in a place whose name I do not care to remember"; Shakespeare's "To be, or not to be", from Hamlet, is equally well known around the globe.
And if we are going to talk about painting we must, needless to say, include internationally renowned Spanish artists Velázquez, Picasso and Dalí, alongside those from other countries such as Rembrandt, El Greco, Monet, Van Gogh and Warhol. And neither do the sculptures of Michelangelo, Bernini, Botero, alongside those of the Spaniards Berruguete, Chillida and Gargallo, go unnoticed in the far flung corners of the planet. And of course, we could go on with other artistic and cultural disciplines: performance, music, publishing and so on.
Spanish cultural sector
Aside from its importance as a driving force behind knowledge acquisition, this industry has a huge impact on macroeconomics in Western economies. In Spain, the culture sector accounted for 2.8 per cent of total employment in 2013, with 485,300 employees and 108,556 companies. According to the 2014 Annual Statement of Cultural Statistics, prepared by the Ministry of Education, Culture and Sport, these figures, when taken together, represent 2.5% of GDP, or 3.4% of GDP of all economic activities linked to intellectual property.
In addition, Spain ranks eighth worldwide in terms of soft presence, according to the Report by the Royal Elcano Institute of Global Presence, which includes, among other matters, cultural indicators related to the export of audiovisual services such as film, radio, television, and recorded music. The importance of the cultural sector is so significant that the Strategic Internationalization Plan of the Spanish Economy, 2014-2015 has among its objectives the promotion of culture as a vital element of the international promotion of the Spanish Brand.
Spanish culture overseas
In 2013, Spain exported culture related goods and services to the value of 703.4 million euros; the rest of the European Union being the principal destination, accounting for 51.2% of all exports, followed by Latin America with 27.4%. Consequently, we can find a variety of international activities which generate economic value. For example, Spanish museums and art galleries generate significant income by loaning works to museums in other countries; a good example of this is The Prado which has opted for this measure as a means of raising funds during the current economic crisis.
Apart from those cultural works presented to the international market by public institutions, it is also important to highlight the contributions made to the international arena by Spanish artists from the private sector. For example, in the cinematographic sector, both international co-productions and the distribution of Spanish films overseas must be highlighted. In fact, in recent years Spanish films have grossed twice as much overseas as they have in Spain.
Still focusing on the audiovisual sector, it is also important to bear in mind the importance of the presence of Spanish television production in foreign markets. In exporting its successes in TV fiction, Spain has had a great impact internationally; for example, El Internado is shown on Japanese TV, Un Paso Adelante in France and Los Serrano in Finland; furthermore, Gran Hotel has arrived in the UK, France and Russia. In Italy, El secreto de Puente Viejo, Velvet, Víctor Ros, El Príncipe and El Tiempo entre Costuras have all attained success.
We can also see encouraging data in the Spanish publishing sector which is currently ranked fourth in the world behind the USA, the UK and Germany; publishing is the cultural sector which accounts for the largest share of Spanish GDP, 0.7% of the total 4%, ahead of music, cinema and the performing arts; and it accounts for 2.6% of employment. In fact, Spanish exports of the printed word are worth 526 million euros with principal markets being in the rest of the European Union and Latin America. Moreover, Spanish publishing houses have no fewer than 162 subsidiaries in 28 countries, over 80% of them in Latin America.
The overseas export of Spanish talent in cultural management is also significant; Many Spaniards have worked in managerial roles in some of the world's most prestigious cultural institutions. We should highlight the work of Vicente Todolí as director of the Tate Modern Gallery in London and the Museo Serralves in Porto; Marta Gili, the current director of Jeum de Paume in Paris; Bartomeu Marí who has managed the Witte in Rotterdam; Nuria Enguita, who was a member of the governing board of the Bienal in São Paolo; Guadalupe Echevarria, former director of the Bordeaux School of Fine Art and Rosa Martínez, who previously ran the Bienal in Venice.
Institutions and programs which support the internationalization of Spanish culture
Institutions such as the Instituto Cervantes carry out a variety of activities with the objective of publicizing Spanish culture overseas. Furthermore, there are programs designed to develop the internationalization of this sector. For example, the society Acción Cultural Española (Spanish Cultural Action) has created the Programa para la Internacionalización de la Cultura Española (PICE) (Program for the Internationalization of Spanish Culture) which aims to facilitate the presence in Spain of prescribers, agents and professional and international programmers of prestige in the field of the Arts and culture, with the objective of developing agreements for programs and collaborations abroad.
Applications through this program can be made up to 31st May 2015. Also, since regional bodies such as EXTENDA have been launched, new international markets have opened up, as have the development of business opportunities in countries such as Morocco and France.
As we can see, the culture sector is an industry which can be embraced, offering many international opportunities. Are you ready to take part of it?


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We have recently received phone calls at our branches from individuals stating he/she received a SECNY check in the mail as part of a secret shopper program. The callers are attempting to verify that the checks are valid. These checks are not SECNY-issued and we do not offer any secret shopper programs.
If you receive a check in the mail regarding a secret shopper program that appears to contain SECNY information, please be advised the check is fake and contact the credit union if you have any questions.
We thank you for your attention to this message and appreciate your continued membership and support!


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Exciting news!
Thanks to the hard work of our amazing team and the support of our beautiful guests, Bobby Mack & Co is pleased to announce that we are moving to a bigger location just two blocks away!
In the new spacious studio, we will be welcoming some incredible talent to our team, allowing us to reduce appointment wait times and accommodate more guests. We are hoping to relocate by March 01 with no disruptions to existing appointments between now and then.
Stayed tuned for updates on our progress and for introductions to the newest members of the Bobby Mack & Co family! Thank you, again, for all the love and support!
We Are Growing!
Exciting news!


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C & C spent the night with MeMe & Pop on Friday because Mommy & Daddy were running in a 10K. It has rained for the past 4 days....A LOT!! MeMe sent the kids outside because they were driving her crazy....and this is what they did!! Pretty creative if you ask me!!
Who knew you could have so much fun with the empty soda cans, a ball, & the rain!!


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South Charlotte
Chargers capture N.C.'s 1st cheer title
The Providence Day School varsity cheerleaders recently won their first N.C. Independent Schools Athletic Association state championship.
The Chargers won the Small Varsity Cheer Division on Feb. 4 during the NCISAA's first state championship for cheerleading. Until this year, cheerleading was not recognized as a state championship sport.
"It was discouraging that we did not receive the same recognition as other athletes," said Charger cheerleader Shana Thomas.
Head coach Beth Freeman agreed, saying, "The biggest thing was there were no wins and losses to measure ourselves like other sports have."
The team competed in six categories, achieving a score of 116.4 with no deductions.
"The pyramid stunt was the hardest," said Anna Scealy, while "The partner stunts were everyone's favorite category."
Like other sports, cheerleading is physically demanding and requires conditioning, tryouts and summer camps.
"We all have cheered with pulled muscles, torn ligaments, bruises and even a dislocated arm," said Savannah Morgan.
Freeman is now looking ahead to next year. "We want to win the entire competition next year. We want to become the Grand Champions," she said.


text: Teaching Tolerance Fellow Emily Chiariello describes her work around teaching the Common Core State Standards "with culturally responsive instruction" (full link here). She sees the CCSS and culturally responsive pedagogy as a strong fit citing teacher's shared responsibility for teaching literacy. She notes that the CCSS enable us to move away from disabling text, texts that focus on skill and strategy development, to enabling text—texts that honor the diversity of the students we teach.


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Feeling Full Up!
This week has been very exciting for 5b. We started reading our new Literacy book 'Clockwork' which we are enjoying very much. In Numeracy we have been learning how to tell the time which also connects to our new book! We have also be learning about parallel and perpendicular lines. Can you spot any parallel lines where you are? In Science we have we have learnt about muscles in our bodies and how to keep our muscles healthy. It has been friendship week and so we have written lovely friendship poems.
Finally today we had a very exciting visit to Frankie and Bennys who very kindly let us make pizzas for free – they were huge! We got to put lots of delicious toppings on them and then we got to eat them. We hope to visit again another day!


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The Salvation Army Soccer League, "SAS", is a Christian community soccer club providing quality soccer training and match play at an affordable cost. SAS teaches the fundamentals of soccer through progressive skill instruction and mini-games that require children to apply the skills they learned as well as Christian development.
We hope to develop community leaders by actively involving and encouraging family members to participate within the league, as a coach or referee.
Please note: Families with 3 or more children participating in the Kroc soccer program and living in the same household will receive a $10 discount per child.
Stop in the Welcome Center or call 419.281.8001 to register today!


text: WEBSITE DISABLED mbamercantile.com mbamerca MBA Mercentile (Zambia) Limited's account has been suspended due to their lack of understanding of the concept of paying for services which they have contracted to buy, which mirrors their lack of understanding of the concept of providing services that they have contracted to provide. In short, you should avoid doing business with MBA Mercentile (Zambia) Limited at all costs. Who would be crazy enough to do business with someone who can't even spell their own company name correctly? Oh right, we did. Our bad. 28/Nov/2017 07:58


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Politician knowledgeable in Foreign Policy (rare) destroys MSM mouthpiece.
Pepe Escobar talks Ukraine on ANC report
Pepe Escobar on Ukraine's effects on pipelines and geopolitics
Disappointingly (but not surprisingly), there are no TV shows in the U.S. specializing exclusively in FOREIGN POLICY (at least none to our knowledge - please let us know if you find any).
MCLAUGHLIN GROUP is your best bet in the US. The only reason to watch is Pat Buchanan. Buchanan is a regular guest and is one of America's few true experts on FOREIGN POLICY that you'll ever see on U.S. TV. Unfortunately after more than 30 years on air, founder and host Dr. John McLaughlin passed away in 2016 and the moderator's chair is now occupied by former-panelist Tom Rogan, who advocates bombing Russia (no kidding). Despite the useless blather of Rogan, McLaughlin Group is still the best US-based foreign policy show ONLY because of one man - Patrick J. Buchanan.
GPS on CNN is an option, albeit a poor option. The host Fareed Zakaria, like Rogan of McLaughlin Group, is a war hawk. Zakaria was a supporter of America's catastrophic invasion of Iraq in 2003 - a war that resulted in the killing of over 1 Million Iraqi men, women and children. And Zakaria attacks Trump incessantly, except when Trump illegally sends cruise missile strikes onto Syria, then all of a sudden Zakaria is in high praise of Trump.
THE DEBATE is currently the best choice in the world for English-language TV. Incredibly, it is on LIVE every single day of the year on PressTV. The show features actual debates between two analysts with very different points of view most of the time - how a real debate should be.
CROSSTALK is also a strong choice. It's available on RT three times a week. However, RT news channel is pretty much banned in the USA, except for some hotels and airports (and the internet of course :)
WORLD INSIGHT Host Tian Wei is a no-nonsense journalist well versed in foreign policy matters. No female foreign policy reporter in the US holds a candle to Tian Wei.
DATELINE LONDON is on BBC and offers a fair amount of foreign policy news, although it is very much of the mass media variety will all its problems, like the Russia-is-always-wrong and Israel-is-always-right standard narrative.


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Hurricane panels come in steel, clear plastic or aluminum and attach to the walls around windows and doors on
bolts or tracks.
Permanently affixed beside the windows and don't require any extra storage space, 10 year limited warranty
Hurricane panels come in steel, clear plastic or aluminum and attach to the walls around windows and doors on
bolts or tracks.
Hurricane shutters are worthwhile investments, and you can get them through All American Shutters & Glass at affordable prices. We also have experienced installers that will install your products with ease. Our products protect your home from winds up to 170 MPH, inclining heavy rain and intruders. Contact us today for a free estimate!
All American Shutters & Glass has been in business since 1996, servicing residential, commercial, and industries properties alike. We provide steel panels that are inexpensive and can be removed and attached when you need them. We also provide accordion shutters that conform to the exterior of your home and come in a variety of colors. All of our hurricane shutters are code-compliant and can be used throughout Florida.
We also serve18 out of 20 home builders in Florida and have garnered a stellar reputation throughout the state. We're among the best in the hurricane protection business due to our experience and investment in quality products that protect life and property. We'll also recommend the best solution if you are unsure which product would be the best choice for you. Take the first step and contact us to see how our hurricane shutters can make your property safer.
All American Shutters & Glass is one of South Florida's premier storm protection companies. It is our goal to provide the most secure protection at the most affordable prices! We manufacture, install, and service Florida building code and local county approved hurricane shutters and windows for storm protection. Contact us today! We will send out one of our professional sales team members to show you options that fit your needs and your budget.
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Okay… so buying your first home won't be free, but the resources that get you on your way can be! This series of blogs is going to outline the step-by-step process of how to go about preparing to buy your first home. You will be a little disheartened to know that HGTV has slightly sugarcoated the buying and selling process. Getting into the real estate market isn't easy, and it can be complicated and time-consuming, but it is absolutely possible and that's what I'm here for. This blog is focusing on where to begin and what resources to utilize when buying your first home. It's time to start planning!
Step 1: Stop Spending And Start Saving
The majority of millennials living in their own home are having to pay a fair price for rent, as rent has been increasing with the increasing prices of homes in Guelph, Waterdown, and the majority of cities in Southern Ontario. Some couples are paying up to $2000 in rent per month. That is likely the same amount (or higher!) than a monthly payment for what a first-time homebuyer would be paying monthly for a mortgage.
So, why is it that millennials "will never be able to purchase a home"? There is no reason. Yes, you do need a sufficient amount of equity saved to be able to provide a down-payment. Yes, there are other monthly costs on top of the mortgage payment. But yes, all of this is possible with some time and planning. That's where the "stop spending and start saving" comes in. We are all guilty of overspending…going out to a "cool" coffee shop for a $5 coffee when there is usually a Tim Horton's or McDonald's selling a $2 coffee down the road. Of course, treating yourself with your hard earned money is great, but there needs to be a limit.
Make an incoming and outgoing financial chart to track your spending and your income. Try to decrease your spending and get in the habit of putting a certain percentage of every paycheque away. See your financial advisor to make sure you are gaining some sort of interest on your savings and you'll be surprised how much money you've put away in a year's time.
Step 2: Talk To A Mortgage Specialist
At TrilliumWest Real Estate Brokerage, we have two wonderful in-house RBC Mortgage Specialists that assist clients with their mortgages. A mortgage specialist can help you understand the ins and outs of the financial side of owning a home, and they can help you understand how much money you realistically need to save before being able to purchase a home. Don't wait until you find the perfect home to see a mortgage specialist. It's important to understand how much you can afford before you go searching for your dream home. As 2018 approaches, there are new mortgage rules coming into the approval system that will affect many first time homebuyers, so now is a great time for you to go and speak to a mortgage specialist to find out how this may affect you. This is a free service for buyer's to use, so the big question is….why would you not?
Step 3: Talk To A Realtor
Surprise! This service also costs you nothing! Buying a home can be complicated and tiring, but a Realtor helps relieve the stress and ease the process. We are continually educated on the ins and outs of a real estate transaction and we know how to look past the "pretty" in a home and get to the nitty-gritty stuff.
We study market trends and have applicable knowledge of contract law. Yes, you can go to Realtor.ca and search homes for yourself, but when you use a Realtor, you have someone watching the market for you. As a Realtor, I will send my clients a listing as soon as it pops up on the market. I will advise clients on why a home could be a great investment or why it could be expensive and time-consuming. I go and look at houses in the Guelph, Waterdown and surrounding areas to be up-to-date on what is currently sitting on the market. I become a partner in your home buying process, and I am constantly looking out for you to make sure I can find you a wonderful first home. If you want to know more about what a Realtor can do for you, send me an email to get a copy of TrilliumWest's buying guide.
Step 4: Be Realistic About Your Expectations
Your Realtor and mortgage specialist will help you with this, but until you are able to get your mind around the fact that this is your first home and you may not be able to check every wishlist box off, you likely won't be able to find a home within your criteria. If you're looking in Guelph, chances are your first home won't be that adorable century home Downtown, or the 2500 square foot home with all of the high-quality finishes. However, you may be able to get the semi-detached century home or a beautifully finished condo.
Millennials need to remember that the most important thing about buying your first home is to be able to get into the housing market. You don't need to buy your forever home as your first purchase. It doesn't need to be perfect and have all of the upgrades and finishings that you dream of. You are able to put your finishing touches on a home as you grow in it. Be realistic about your expectations and you'll be surprised at what homes you may find.
There it is! Your first four steps in purchasing a home. And yes, that's right, all of the resources mentioned cost you absolutely nothing, so there is no reason you can't get started today on planning for the purchase of your first home! If you're looking at Guelph, Waterdown, Burlington or any of the surrounding areas, don't hesitate to reach out and ask questions!