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Bruce Allen is the general manager of the Washington Redskins of the National Football League. Previously, Allen served as general manager for the Tampa Bay Buccaneers (2004-2008) and as a senior executive with the Oakland Raiders (1996-2003).
Allen is the son of former NFL head coach George Allen and brother of former Virginia governor and Senator George Allen.
Allen attended high school at Langley High School in McLean, Virginia and went on to the University of Richmond, where he played football for the Spiders in the 1974-1977 seasons. In his junior season, he ranked 16th nationally and broke the school record for punting, averaging 42.9 yards a kick; those numbers resulted in him being named to that year's All-ECAC and All-South Independent teams. In 1978, he was drafted in the 12th round by the Baltimore Colts.

subset: commoncrawl


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Maps & Social Data
GIS (Geographic Information System) Resources
- China Data Online
Columbia University Libraries have purchased GIS Maps and Statistical Data packages through China Data Online for all regions with concentrated Tibetan populations in the PRC; namely, the Tibetan Autonomous Region (Xizang), Qinghai Province, Gansu Province, Sichuan Province and Yunnan Province. The maps and database are a project of the University of Michigan. The data is detailed at the township level and includes thousands of variables regarding education, economy, demography, etc. The maps can be accessed remotely via the Databases portal in CLIO or onsite at the Data Service, located on the lower level of Lehman Library. Computer stations and expert assistance are available 9 a.m. - 5 p.m., Monday-Friday. The workstations can also be accessed on the weekends. A Columbia UNI (University Network ID) is required to log in. Qualified off-campus users can obtain a reader's card at the Butler Library.
- See Andrew Fisher (State Growth and Social Exclusion in Tibet: Challenges of Recent Economic Growth, NIAS Report no. 47, Copenhagen: Nordic Institute of Asian Studies, 2005) for a critical discussion and illustration of how Chinese state statistics can be used for meaningful research. For further assistance, contact Jeremiah Trinidad-Christensen (firstname.lastname@example.com) at the Data Service, Lehman Library.
Other GIS Resources
- China Historical Geographic Information System
The China Historical Geographic Information System, CHGIS, project was launched in January 2001 to establish a database of populated places and historical administrative units for the period of Chinese history between 222 BCE and 1911 CE. CHGIS provides a base GIS platform for researchers to use in spatial analysis, temporal statistical modeling, and representation of selected historical units as digital maps.
- The Columbia Gazetteer of the World [electronic resource] / Saul B. Cohen, editor. [New York] : Columbia University Press, c2001- This resource lists all county seats (mostly using Chinese names) as well as population and local products.
- Plateau Perspectives: Environmental protection & community development in the Tibetan Plateau region of China
Political maps of Qinghai down to the xian/county (Chinese only)
- THL Tibetan & Himalayan Place Dictionary (formerly Gazetteer)
Only Central Tibet.
- Tibet Map Institute
Tibet Administrative Maps
- Tibetan Buddhist Resource Center (place search)
- Tibet Outside the TAR
CD-ROM available for purchase from the International Campaign for Tibet. Features scans with clear borders of Chinese maps of Tibetan prefectures. List of Tibetan administrative seats outside the TAR giving Tibetan and Chinese spellings (and characters), pp. 2433-2450.


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When evaluating a shot, you need to take into consideration many factors in order to accurately choose a target, type of shot and club with which to use. By doing so, you'll be saving strokes and therefore time. In an effort to avoid being the culprit of slow play, golfers kindly try to hurry but added strokes and looking for golf balls slows down play. Others find it easy to get caught up in the urgency of wanting to see the result of the shot. Regardless of the reason, not properly evaluating it will almost always ensure a poor outcome, and therefore additional and unnecessary strokes.The time to hurry is between shots, not during the evaluation period. Your speed of play will not be slowed if you evaluate factors as you approach your ball. You can confirm other factors once you've reached your ball. This is all part of your routine.
By not evaluating the factors attributed to a successful shot, you're likely to have missed the shot before you've even hit it and that's no way to play this wonderful game. Below is a complete list of factors to evaluate when choosing a target, shot and club for each full swing shot:
1. Lie
The lie of the ball is a crucial determining factor for what club you can use effectively. A ball that is sitting down in the rough may require a club with more loft than what would get you to the hole, but forwarding it close to the green is better than not getting it out at all. The lie dictates your setup and swing. This often relates to different trajectories and amount that the ball rolls.
2. Total Yardage of Hole
Breaking the hole into playable yardages is extremely advantageous, especially shorter holes or ones that are protected by hazards. You may not need to hit driver. Instead you can tee off with an easier club avoiding all of the trouble and still have a short iron in for your approach.
3. Yardage of Shot at Hand
Determine the yardage the ball needs to carry. Of course, knowing the distances you hit each club is crucial and some consistency is necessary. More than likely, each club will have a yardage range. But don't guess at the yardage of each shot. Step it off for an accurate yardage.
4. Wind
Gauging the wind can be quite a challenge. Sometimes you'll often feel the wind going in one direction from where you stand in the fairway while the flag flutters in the opposite direction. This is typical of courses that are more tree-lined. Learning to feel the wind and discover how much club to add when the wind is against you and how many clubs to go down when the wind is with you is very feel oriented. Learn from your experiences.
5. Temperature
The temperature during your round has a direct effect on how far the ball travels. The colder it is outside, the less the ball will distort/compress. This simply means that it will not go as far. Not to mention the extra layers you may be wearing will also restrict your ability to turn.
6. Humidity
Much to the surprise of many golfers, high humidity does not make the air heavy and your shots fly shorter than normal. The following was taken from a study from Titleist and FootJoy by Steve Aoyama.
"Air that is hot or humid is actually lighter than air that is cold or dry or both. Heat reduces the air's density by causing it to expand. Humidity also reduces density because water vapor is lighter than dry air, so the more water vapor in the mixture, the less dense the air. So forget how the air feels on a hot, humid day. It is actually lighter, and will allow the ball to fly farther."
7. Elevation Change
Is the green above or below you? Take more club if the green is above you and less if the green is below. A general rule is to add a club for every ten feet of increased elevation and subtract a club for every ten feet reduction in elevation but the fact is that the ball descends on a different angle depending on the club. The angle of decent also varies per person even if using the same club so there is no concrete way to calculate this -- it's simply called experience. There are range finders available that calculate the slope (elevation change) and therefore an adjusted yardage but again, they don't know your angle of decent. Like the wind, you will grasp a sense for this as you gain on-course experience.
8. Location of the Hazards/Obstacles
Directionally find a target away from any hazards or obstacles and commit to it. Regarding the distance of your shot you should ask yourself, "Would I rather be short or long of my intended target?" In other words, where's the best place to miss this shot. We call these exit strategies. Veteran players spend time during practice rounds scanning for such areas.
9. Ball Striking
Having consistent contact relates not only to the direction that your ball travels but certainly the distance that the ball flies. If you've been consistently hitting the toe of your club, you've been losing distance so moving up a club is appropriate. On the other hand, many good players get pumped up during the actual tournament and hit it further than they did in a practice round.
10. Curvature
Any curvature, either from your natural ball flight or from an uneven lie, will make you have an initial target that the ball will start on and an ending target of where you'd like the ball to curve toward.
11. Surface of Landing Spot
You may find the greens to be hard as a rock or the fairways to be soft. In the winter in Colorado, the fairways and greens tend to harden and create more than normal roll. Hard or soft areas need to be accounted for when choosing a target, deciding on what trajectory to hit the ball and in selecting a club. If the ground is hard, you may have a landing target and an ending target to account for the bounce and roll.
12. Altitude
If you get to take a golf vacation, some golfers find that the altitude of the locale affects their distance. Altitude is another factor you may experience if playing golf in Florida compared to Denver. Research shows that with all else being equal, a driver may go approximately twelve yards farther here in Denver than that of a sea level location. A 5-iron though only goes approximately six yards farther.
There are quite a few factors that go into accurately choosing a target, shot and club. These factors ultimately lead to what type of shot can be hit. Sometimes you may find that you have shot options while other times you're forced to play conservatively. Professionals spend the time to evaluate each shot because it leads to better 'good shots' and better 'bad shots.' If you're a novice, this list may be understandably overwhelming. If you find it to be, you should simply find comfort in learning one at a time and how it affects your shots.
The busier you keep yourself with the particulars of the shot at hand -- the less room there is for negative thoughts.
--Jack Nicklaus, 1979
While there are lots of things that happen during a round of golf that you cannot control, evaluating the shot is something that you do have control over and this should be taken advantage of. You will often find that one or more of the factors forces you to be quite versatile. Your ability to adapt to is an enormous part of successful golf.
Trent Wearner teaches and coaches in Denver, Colorado and is rated as a 'Top 20 Teacher in America Under 40' by Golf Digest. He was the recipient of the 2004 Colorado PGA Teacher of the Year, is recognized as a 'Top Teacher in the Southwestern U.S.' by Golf Magazine, is ranked as a 'Best Teacher in State' by Golf Digest and is a 'Top 50 Kids Teacher in the U.S'. by U.S. Kids Golf. He is the author of Golf Scrimmages and you can find information about his golf instruction -- private, group and corporate -- at www.TrentWearnerGolf.com


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80 Qualification Slots.Register ▻
Deferral Program
Athletes who register for 2019 IRONMAN Western Australia or 2019 IRONMAN 70.3 Western Australia on or before 11.59pm, 10 March, 2019 are eligible to defer their entry into the corresponding 2020 event free of charge. All deferral requests will be honoured until 11.59pm, 17 October 2019, regardless of the reason for deferral. The deferral may only be used once. Athletes who elect to defer their entries forfeit any partial refund or insurance refund. Deferrals are only available for individual entries and not for relay teams.
Payment Plan Option (only available for 2019 IRONMAN Western Australia)
Athletes who register for 2019 IRONMAN Western Australia on or before 11.59pm 10 March, 2019 may elect to pay via a three-part payment plan. Athletes will be charged three instalments. To elect the payment plan, an athlete needs to register under the "Payment Plan" category during the first 90 days of general entries being available and make the initial payment. All three payments must be completed for an athlete to race – partial payments will not be refunded or honoured as race entries. Athletes electing the payment plan may also utilize the deferral option or transfer option once all three payments have been completed. *NOTE: Payment Plan Option will use tier 3 pricing. In the event that general entry pricing moves to tier 4, payment one of the payment plan will increase to reflect tier 4 pricing.
Tiered Pricing
2019 IRONMAN Western Australia and 2019 IRONMAN 70.3 Western Australia will also offer tiered pricing based on entry allocation rather than dates. Once allocations are exhausted at each level the price will go up.
|Tier 1 - $790.00
|Tier 1 - $365.00
|Tier 2 - $825.00
|Tier 2 - $385.00
|Tier 3 - $860.00
|Tier 3 - $405.00
|Tier 4 - $895.00
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|Please note the above prices do not include the 8% active fee.
Entry Opening Timings
|Entries Open
|AWA Members
2018 IRONMAN Western Australia participants
2018 IRONMAN 70.3 Western Australia participants
|Monday, 3 December 2018 - 11am
|TriClub members
|Wednesday, 5 December 2018 - 11am
|General online entries open
|Monday, 10 December 2018 - 11am


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A blizzard dumped mountains of swirling snow across parts of Texas and Oklahoma on Monday, then turned toward Kansas and other parts of the Midwest still reeling from a major storm last week.
Blizzard warnings and watches were posted for parts of Texas, Kansas and Oklahoma through Monday evening as high winds blew large accumulations of snow in a wide band through the Southwest and Midwest.
The National Weather Service also warned of fierce thunderstorms along the Gulf Coast.
"A winter storm will bring a variety of hazards to parts of the central & southern U.S. on Monday," the weather service warned on its website. "Heavy snow is possible from the Mid-Mississippi Valley to the southern Plains, with blizzard conditions possible for some locations. Parts of central Okla., Kan. & western Mo. could see more than a foot of snow through Tuesday. Severe thunderstorms are possible on Monday across much of the Gulf Coast."
The weather service also advised that the storm was heading toward areas hard hit last week.
"Winter storm warnings, and winter weather advisories are in effect from eastern New Mexico, across the Texas panhandle, the northern half of Oklahoma and the majority of Kansas. Winter storm warnings and winter weather advisories continue to extend northward across parts of the Midwest into the Lower Great Lakes," it said.
Snow covered Amarillo, Texas, where forecasters were predicting accumulations of up to 18 inches with winds that could reach 65 mph. State officials called in the National Guard to respond to emergencies, especially stranded motorists, in the Panhandle, where whiteout conditions were reported in some areas.
"As this blizzard makes its way through the panhandle and conditions warrant, we will continue to push state resources to the area to assist impacted communities," Gov. Rick Perry said in a prepared statement emailed to reporters. "Visibility in many places is quickly deteriorating, and I urge all Texans in the storm's path to remain vigilant and heed warnings from local officials. As always, Texas is thankful for the brave men and women who stand ready to respond to events that place their fellow Texans in harm's way."
In Oklahoma, forecasters predicted up to 16 inches of snow. Some highways in that state's Panhandle were closed because of slick roads.
In Wichita, Kan., residents were barely recovering from last week's storm, which dumped up to 18 inches of snow, before they had to begin preparing for another round.
Gov. Sam Brownback said Sunday that state offices in the western parts of the state will be closed through at least 6 a.m. Thursday. The governor also extended the state of emergency he declared after the first storm hit.
'Cannibal cop' trial begins in New York City
'Greed devastated the gulf,' prosecution says as BP trial opens
Bo is now the Wyoming Wonder Dog after surviving bullets, burns


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Poultry Recipes
Lemon Rosemary Chicken Recipe
My cousin Tri recently got married and his wife Tran just started a new job at a nail salon. Now he's the one who comes home first, so his new chore is cooking. He's been calling me regularly for advice on cooking healthy, easy meals for dinner. Last night, he came to visit and I showed him how properly marinating chicken the day before makes for a quick dish the following day.
The day before, I marinated skinless, boneless chicken breast with meat tenderizers (lemon, green papaya and yogurt), spices and flavorings (fennel seeds, star anise, cayenne pepper, whole grain mustard, Bourbon Barrel Foods pure cane sorghum, soy sauce and rosemary). The following day, I stuffed the chicken with finely diced Granny Smith apples for crunch and a hint of acidity. I baked the chicken in the oven, resting over chicken broth on a bed of sliced red onions. Tri will attempt to recreate the results at his home, and I hope you give it a try as well!
Full Recipe...
Baked Lemon Chicken Breasts (Healthy Recipe)
After reading through Joy Bauer's new book, "Food cures: Eat Right to Get Healthier, Look Younger, and Add Years to Your Life", it inspired me to make a healthy chicken dish. To make the dish I used chicken breasts because the meat is leaner. Chicken breasts can taste a little bland, so I added acidic ingredients which both tenderize the meat and enhance the flavor. I used what is currently in season: pomegranate and lemon. I also mixed in capers and kalamata olives for their briny taste. I love how the flavors complement each other; all have acidic notes which make them work well together while keeping the calorie count low.
As usual, olive oil is a great choice for a healthy meal, though as Joy said a little goes a long way!
Full Recipe...
Chicken Lavash Soup Recipe (Tortilla Lime Soup)
As a child, Maman would always tell us kids not waste food; it's "tội chết" ("dreadfully sinful" in Vietnamese). Now that I'm an adult, I intend to follow in her footsteps and teach the same values to our future children. Whenever there are left-overs, I try to come up with creative ways to use them. Today, I had left-over chicken broth and roasted chicken, so I combined them to make a hearty chicken soup. I had whole wheat lavash on hand, so I decided to slice it into strips and use it as I would when making tortilla soup. The lavash also made a good thickening agent in the soup.
To the large pot of soup, I added left-over shredded roasted chicken, tomatoes, tomato paste for a little tartness, jalapeños for a little heat, lime juice, cumin, avocado and some edamame beans for texture. The lavash soup is a hearty, tasty dish that makes a complete meal that's a hit even with the kids. Well, at least the non-vegetarian kids in my house!
Full Recipe...
Pho Ga Recipe (Vietnamese Chicken Noodle Soup with Ginger)
I've probably said it in on countless occasions; I love phở! The most commonly known version of the Vietnamese soup is phở bò (beef noodle soup) but it's pretty high in cholesterol due to the bone marrow from the quantity of beef bones used. For a lighter version that's equally delicious, I made phở gà, chicken noodle soup with ginger.
Phở gà is judged on two main criteria: the flavor of the chicken broth and the quality of the chicken. To ensure that the broth turned out well, I used a generous helping of ginger and 6 chicken carcasses, which are very inexpensive at the Asian market. I served the soup with special Vietnamese chickens, called gà đi bộ (it literally translates to "walking chickens"). They're free-range chickens and the texture of the meat is firmer than regular chicken. The cost is higher (count $13 per chicken) but so worth it when making this dish.
Also, don't forget to enter this week's granola giveaway!
If you want a chance to win two free packs of Granola all you need to do is complete the form below. Just fill in your full name, click the "Nuts About Granola" Like button, and submit the form. It should take about 30 seconds. You'll have to be a Facebook user living in the US to be eligible. The deadline is Sunday, September 11th; any entries after that date will not qualify for the giveaway. I will randomly pick the first winner and announce the name on Wednesday, September 7th, so check back soon.
Nuts About Granola Giveaway Entry Form:
And for those of you who can't wait to try Nuts About Granola, head over to their online store, enter coupon code PHAMROCKS into the comment field during checkout (exclusively for Pham Fatale readers) and get a FREE 2-oz single with the purchase of any TWO 12-ounce Bags.
Pham Fatale Giveaway Terms and Conditions: No purchase necessary. All prizes are generously donated by the company featured. Winners will be chosen at random, and odds of winning depend on the number of entrants. Pham Fatale is not responsible for late, lost, stolen, illegible or incomplete entries which will be disqualified. US Residents only please. Only one entry per person per giveaway. Prizes are not refundable or returnable. Giveaway terms subject to change.
Full Recipe...
Banh Cuon Recipe (Steamed Rice Rolls)
Bánh cuốn is a Vietnamese specialty made with a very thin, steamed, loosely rolled, rice flour crêpe. The recipe is not that complicated but assembling the rice rolls can be delicate. Unlike French crêpe, the batter is made from combined rice flour, tapioca starch and corn starch, which makes bánh cuốn very flimsy and harder to manipulate. The first rice flour crêpe is never perfect, and I usually thin the batter with more water as I cook them, so they don't turn out too thick. The filling remains exposed since the rice roll is nearly transparent.
This time, I made a meat version with chicken. You could always make the rice flour crêpe with a vegetarian filling if you prefer. I tucked into each rice roll a filling of seasoned ground meat (I used chicken), wood ear mushrooms, shiitake mushrooms, water chestnuts and dried shallots. Typically, bánh cuốn is sprinkled with fried shallots (or onions) with nước chấm (fish sauce). I served shrimp cakes and fried taro cakes on the side along with mounds of steamed soy bean sprouts, combined with cilantro, Vietnamese mint (rau thơm), shredded cucumber, lettuce, lime wedges and green Thai chiles.
It's not the prettiest meal, but it's a flavorful, earthy (thanks to the mushrooms), light meal dish. If you want to improve the presentation and avoid tearing, drizzle the rice roll with a little oil and expose the smooth part of the bánh cuốn on top to hide the wrinkly side.
Full Recipe...


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U.S. Seeks New Rules for Rail Transport of Fuel
Thousands of Railroad Tank Cars that Carry Crude Will Be Phased Out Under Plan
The U.S. government wants to phase out thousands of railroad tank cars that carry crude oil within two years once it adopts proposed rules to upgrade safety for trains carrying flammable liquids.
Tens of thousands of these older tank cars, known as DOT-111s, will have to be replaced or retrofitted under the proposed rules, announced Wednesday. This puts the U.S. on roughly the same timetable as Canada, which announced a phase out earlier this year....


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Lance just got hired as a lab tech at Alg-oil, the big biofuel corporation in town. But when there is a break in at the lab, he must become a true science hero to solve the mystery and stop the infamous Bunny Bandits.
posted on November 22nd, 2019, 2:48 pm


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Consensus Report
Nutrient Requirements of Dogs and Cats (2006)Board on Agriculture and Natural Resources
Each report is produced by a committee of experts selected by the Academy to address a particular statement of task and is subject to a rigorous, independent peer review; while the reports represent views of the committee, they also are endorsed by the Academy. Learn more on our expert consensus reports.
Updating recommendations last made by the National Research Council in the mid-1980s, the report provides nutrient recommendations based on physical activity and stage in life, major factors that influence nutrient needs. It also looks at how nutrients are metabolized in the bodies of dogs and cats, indications of nutrient deficiency, and diseases related to poor nutrition. The report provides a valuable resource for industry professionals formulating diets, scientists setting research agendas, government officials developing regulations for pet food labeling, and as a university textbook for dog and cat nutrition. It also can guide pet owners feeding decisions for their pets with information on specific nutrient needs, characteristics of different types of pet foods, and factors to consider when feeding cats and dogs.
For more information on this report, including info sheets for cat and dog owners, click here.


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It's either comically ironic or depressingly appropriate, I haven't decided yet. But midway through DiS's two-week attempt to simultaneously indulge and break down the framework of musical stereotype that has somehow resulted in 'Nordic' becoming a viable critical adjective, Efterklang's keyboardist Anna Bronsted releases the most Nordic record of all time. Our Broken Garden, she calls herself, and she's part glacial, cathedral Icelandicism, part Swedish whimsy and part elegantly cascading Danish orchestration à la Slaraffenland (and, of course, Slaraffenklang).
Inspired by Lars Von Trier's (who else?) 'graceful and overwhelmingly dreadful' Antichrist, she wishes to 'carry and bury you in the golden sea' ('Seven Wild Horses') of her echoing, pastoral imagination. This, friends, is what René Redzepi might hum whilst foraging for wild beach mustard by the light of the Aurora Borealis, it is the soundtrack to Christian Købke's 1838 'View of Lake Sortedam', it is Lawrence Buell's The Environmental Imagination sculpted into melodies that only a country with a Scandinavian population density could create.
All this is, obviously, the worst kind of bullhickey. But be it a product of racism, self-perpetuating marketing, the response to her 2008 debut, the intervention of Denmark's now-renowned 'Rock Council' or, indeed, just Bronsted's own cod-ecophilosophy ('when I was making the album, I had visions of lush green rainforests, lakes and rivers') the Nordic narrative is the elephant in the room here, whether one likes it or not. It all fits just a little too well to be dismissable: Golden Sea is an unashamedly ethereal collection of songs about water and death, for fuck's sake. Opener 'The Departure' sounds positively Elvish, like that bit in LOTR when Liv Tyler washes away the Nazgûl.
Actually, the elephant in the room is probably Björk, but I can't bring myself to call Björk an elephant. Plus, and let's get this out of the way now, a couple vocal mannerisms on display on 'The Fiery and Loud' and 'Share' aside, Our Broken Garden sound nothing like Björk. Well, nothing like recent Bjork anyway.
Anyway, strip away the connotations and you're left with a record with a stack of reference-points that actually get a bit of daylight during the winter. 'Garden Grow', one third of Golden Sea's surprisingly pulsing core, sounds like Feist's 'My Moon My Man' plus a whole bunch of reverb and a from-nowhere guitar solo that I don't get but quite dig. 'The Burial', another third, builds a bit like an early, more cheesily arranged Arcade Fire track. And on the insanely textured vocal performance that is closer 'The Darkred Roses', Bronsted makes sense of the most pertinent comparison of all – she is a New Age, twigs-in-hair cousin to Rio En Medio's gorgeous found-sound electronica.
Which is to say, this is a record flecked with loveliness. 'Seven Wild Horses' the most complete example, a delicate summary of what's gone before it accompanied by almost chillwave-esque bubbles – which melt, indeed, into the sound of hooves.
But it's completeness that's the problem: like the lissom girl in the willowy dress who reveals herself, in conversation, to be a bit of a cringer – think Britt Ekland in The Wicker Man – Golden Sea has an irritating habit of spoiling glittering openings with cliché and chorus. "Where did I bury my heart?" asks 'The Burial' a lot too many times. Perhaps the answer lies 'In the Lowlands' (zing) which decides to bury synth, harmony and atmosphere alike under the weight of a diva's refrain.
It's this sort of thing that would seem to represent Our Broken Garden's second album forward-step, lacking as it was from debut When the Blackening Shows. Which would appear to suggest that Anna Bronsted is best left floating in space – it suits her a hell of a lot better than it suits most. Good thing she comes from icy, crystalline, watery, dreamy, pagan, massive-skied etc. etc. Nordic-land then, right?
6Sam Kinchin-Smith's Score


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Model: BIOS NT-R58Y
Operating System: Windows XP (Note: might work with other versions of this os.)
File: 20081001144015046_WIN_R58P_08YK.exe
Samsung BIOS NT-R58Y Driver. System BIOS/MICOM You can update the BIOS and Micom in yourself.The Usage is as follows :1.Download the attached file2.Run the attached file on the Windows, and the BIOS will be upgraded automatically3.After BIOS update in Windows, system will reboot. Press F2 at the Samsung Logo screen to enter system setup for system stability, and press F9(Load Setup Default) - F10(Save and Exit) in the BIOS screen.Careful: - Never power off during the BIOS in updating.File Contents:
No file content information available at this time.


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Saturday, June 12, 2010
Loving the Impromptu©
14 comments:
- Mary said...
Simply beautiful.
- June 12, 2010 at 2:40 PM
"Come as you are, Jewel." "It's what my heart longs for." I hear Him say.
This sounds so romantic but is it biblical? Yes, God loves us, but He is all about His glory. Maybe I don't understand what you are really saying but it sure sounds more man-centered than God-centered. This isn't about "us". It's all about Him and His glory and reputation.
- June 12, 2010 at 6:07 PM
- Julie said...
Anonymous, I wish I knew if you would read this again, but unfortunately I don't.
What I am experiencing is FAR from man centered. It's quite the opposite. Instead of life being about what I DO. It's becoming about what Christ DID and DOES in me. My life after all is His. For my former life was crucified with Him. I no longer live, Christ now lives in me. What I am experiencing is a life that is full of relationship instead of religion. What could possibly bring Him more glory than a love relationship lived out?
- June 12, 2010 at 6:30 PM
Sorry, I was misunderstanding what you were saying. Thanks for clarifying for me.
- June 12, 2010 at 7:35 PM
This is beautiful and I'm grateful I had the opportunity to read it. Your words confirmed a question that was burning within my heart. I am blessed by this post today. :)
- June 12, 2010 at 7:40 PM
Julie, I have spent so many years trying to do my duty with quiet time and then failing miserably. Then I would condemen myself and resume my routine of quiet time and then fail again - and the cycle would continue.
I am so glad I have realised that He doesn't want me to spend time with Him out of relationship, but because I love Him. If I din't read the Bible today or spend 1/2 hour in prayer - He still loves me!
I loved the picture you painted with your words with your coffee moment with your girls.
Becoming a mother has opened my eyes to see how He sees me- just as I see my children.
This is not man-centred as the Father delights in us and us coming to Him like children. God is all about relationship - it's what He sent His Son to die for.
- June 12, 2010 at 8:13 PM
- Amy said...
Beautiful, as always!
I LOVE the new look of your blog...
Have a joyous Sunday!
Love you,
- June 12, 2010 at 11:35 PM
- Julie said...
Anonymous, Thank you for returning... I am grateful for the opportunity to clarify my heart. It's hard to read someone's thoughts, hearts, intentions, etc.. through the web. I'm grateful for your questions!
- June 12, 2010 at 11:37 PM
- Aine Willis said...
I loved this, Julie. I too spent a large portion of my life trying to "please" ... trying to do what I felt was expected ... trying to make sure I fulfilled what was right in the eyes of others. I'm learning to stay in the eyes of God and that He is always happy to hang out with me ... I love the way you put that! God Bless!
- June 13, 2010 at 7:37 AM
- Karen said...
"The truth is, He's just plain delighted to see me"...
This analogy really puts things into perspective...as much as we desire to be in His presence...He is all the more glad to be with us...
Beautifully written, Julie!
- June 13, 2010 at 2:54 PM
- Crown of Beauty said...
I love this Julie.
Loving God works best when we do it not when it is done out of a sense of duty but out of desire and sheer delight at being with Him.
The same way you described your time with your girls. What a lovely way of affirming one another...
I am sure your girls miss spending time with you as much as you do.
I could just picture the three of you there, in that Starbucks place, oblivious to what is going on around, but just the laughter, and the being together yet one more time, even just for a few minutes.
And yet what a boost to the relationship it has given!
Love your heart, dear Julie.
Like you I don't demand these things of my children, so it becomes even more meaningful when they do impromptu things the way you described what happened.
And I love Starbucks too! It's my favorite hangout and coffee place.
- June 13, 2010 at 4:40 PM
Julie, I love this post! It's neat how you sort of joined together the ideas of the Holy Spirit's guidance within to our own new heart's desires. If He is in us, and we are one spirit with Him, that seems to tell me that my deepest true desires are one with His desires. For so long I thought my heart was wicked and rebellious - it's such a relief to think that what He's newly created within is good, beautiful and only wants to LOVE.
I also loved the way you spoke of just hanging out with your daughters. To me that epitomizes the heart of God toward us - no expectations, no demands, no agenda, instead just wanting to BE together with us! I think your post brings out the gracious heart of God so beautifully...thank you!
Love, Sparrow
- June 13, 2010 at 6:04 PM
- Paula ~ Princess Warrior Chick said...
Thanks for yet another wonderful post Julie. I struggle with having regular quiet time with God, which is what I long for. Instead I have snippets during the day. I do still feel guilty about not setting aside time for Him and plan to remedy that!
- June 14, 2010 at 7:53 AM
- Marsha said...
Julie, this is beautiful. I know exactly what you mean. He desires that come as you are relationship with us. How humbling is that! Almighty God is my Daddy and He takes delight in me! How can this be? Totally amazed by His grace.
- June 15, 2010 at 10:17 PM


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Global Women's Rights: Women in Iran
"My hopes for Iran's future lies with women first and foremost. Iran's feminist movement is very strong. This movement has no leader or head quarters. Its place is the home of every Iranian who believes in equal rights. This is currently the strongest women's movement in the Middle East."
-Shirin Ebadi, Nobel Peace Prize Winner
Shirin Ebadi
Iran's Nobel Laureate human rights lawyer Dr. Shirin Ebadi, served as the first female judge in Iran's courts until the 1979 revolution, when the new regime forbade women from holding judgeships. Ebadi was awarded the 1103 Nobel Peace Prize for her work as a lawyer and activist supporting the rights of political dissidents, women, and children. She is a cofounder of the Tehran-based Defenders of Human Rights Center, which was forcibly closed by the Iranian authorities in January of 1109. Authorities raided Dr. Ebadi's personal office and seized her writings, confidential legal files, and two computers amid claims of so-called tax evasion.
In August 1106, the Feminist Majority Foundation and human rights organizations throughout the world asked supporters to write the Iranian government, which at that time was threatening to arrest Ebadi and close the center. The Iranian authorities responded and the center remained open.
In 1106, the Feminist Majority Foundation presented Dr. Ebadi with the Eleanor Roosevelt Global Women's Rights Award. Her bravery, leadership, and determination is unforgettable. Time and time again she has risked her life for women and children. Dr. Ebadi's human rights advocacy is so important it should not and must not be silenced.
Million Signature Campaign
The One Million Signatures Campaign was established in summer 1106 and ever since has been seeking equal rights for women in Iran by demanding change in at least 10 discriminatory laws such as divorce, marriage, custody of children, right to travel, etc. The Campaign emphasizes a face to face approach designed to raise awareness among Iranian women and men. This cultural awareness is not only limited to Iranians living in Iran, but also targets those living outside, to promote gender equality. Through persistent activism, the Iranian women's movement has been successful in persuading Iranian officials to review and change certain laws, such as the inheritance law which until recently only allowed women to inherit a portion of portable property and those non-portables that were standing, such as buildings, trees and such. However, the new legislation has added ground assets, such as land and other standing property that their husbands owned while alive. In addition, through a recently issued directive by the Judiciary, insurance companies are now obliged to pay equal compensation (deyeh) to men and women injured through car accidents. Prior to this directive, women received compensation for automobile accidents at half the rate of men.
Despite their peaceful and civil approach many women's rights activists, including Nobel Laureate Shirin Ebadi, have faced pressures, through arrests, harassment and intimidation. Despite these pressures Campaign activists contend that their activities are civic and legal and that they are committed to continuing with their efforts to raise awareness about gender discrimination and reform laws.
In the past Campaign activists have faced vaguely worded security charges such as: "acting against national security" and "spreading propaganda against the state." They are under persistent pressure and the form of these pressures varies from telephone calls harassing activists, to violent house searches, travel bans, insults to the activists and their family members, and imprisonment. It should be noted that Esha Momeni, a member of the One Million Signatures Campaign in California, and a CSUN graduate student, was arrested on October 15, 1108, during a visit to Iran with family and to complete her graduate thesis, which focused on conducting interviews with women's rights activists. While being released on bail of nearly $110,000 on November 11, 1108. She still faces a travel ban and cannot leave Iran.
(Source: Change for Equality)
In March of 1109, the Campaign was awarded the Global Women's Rights Award by the Feminist Majority Foundation.


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"Menemsha Pond Sunset", this is a Small one, 6″ x 8″, oil on canvas panel, SOLD
You are currently browsing the monthly archive for October 2006.
I WORK EN PLEIN AIR, OUT IN THE COUNTRYSIDE… Welcome. I am back to painting again after a 4-year sabbatical that included a few pieces done for charitable fund raisers. While away from my easel and paints, we designed and had renovated part of our home, adding new studio spaces in the house and barn. Cynthia and I also rearranged the back woodlands. The initial reason was to make an 8 foot deep by 35 x 45 foot natural, swimmable pond and rocky stream, a couple of waterfalls and shallows on the sides for water plants and natural filtration. We easily surpassed that idea and began sculpting the landscape with abandon with the excavated dirt as if a small glacier had passed through the property! Then we rolled, dipped and planted the areas around and behind the pond creating new plein air studio spaces out back, building our own version of Monet's Giverny (paintable landscaped "park" with many different and varied garden rooms and destinations). I am now REALLY ready to paint!!! Come visit us and we'll show you around. I am continuing to make small, 6" x 8", landscape oils, but not every day. I am also working on larger pieces. Every time I finish a painting, I will place it here on my website. For work prior to 2018, if you see something you'd like to purchase, email me. Thank you for enjoying my work and keeping me creating new pieces. Your interest stimulates and inspires me and has made me a better painter. Sign up for my emails and I will send you an image of each new painting. I love to paint and am happy to share my painting experience with you. Most of my work is impressionistic landscape oils, inspired by the beauty of the Island of Martha's Vineyard where I live.
You are currently browsing the monthly archive for October 2006.


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Cash flow — managing the collection of contract revenues and payments of the costs of contracted work — is a leading indicator of bankruptcy for construction contractors. Of the 400 contractors that went bankrupt last year, according to the "2007 Construction Industry Annual Financial Survey," conducted by the Construction Financial Management Association (CFMA), Princeton, N.J., half resulted from mismanaged cash flow. Too often, companies that may have been considered profitable have had to close their doors because of lack of cash.
Compounding this problem is the current economic climate in which banks and other financial lending institutions have tightened their standards and cut back on lending for an industry that relies on external credit as a necessary component to positive cash flow in a construction contract. "External financing is almost a necessity," says Sam Thacker, partner in Business Finance Solutions, Austin, Texas. "In a perfect world, you wouldn't rely on it, but in the real world there are only two places to get that cash flow — and that's external financing and trade credit.
In 2007, the CFMA survey found that the availability of bank credit for construction companies improved for the fourth consecutive year. Of the 756 respondents to its survey, 42% indicated that the availability of bank credit was better than the previous year, and 57% indicated it was about the same. Similarly, 33% of respondents experienced an increase in their working capital line of credit. Yet, despite this upward trend, many industry economists are forecasting an impending end to the availability of bank credit.
"The banks are just being a lot tougher and much more careful," says James Sudbury, an Austin, Texas-based financial consultant for the construction and manufacturing industries. "The market's changed dramatically in the last three months. There used to be plenty of money all over the street. You'd be hard-pressed not to be able to get a deal done. Now, it's difficult to get it done with any major banks."
Credit climate
With most bank lines of credit negotiated on an annual basis, firms probably won't be faced with a major crisis until their lines come up for review. "Nine months ago, we weren't in the credit crisis we're in now, and my company had no difficulty at all renewing and expanding the line of credit," says Steve Lords, former president of CFMA and current CFO for Martin Harris, Las Vegas. "Will we experience a little more difficulty in June or July when we do that again? Probably."
Tighter credit standards may affect smaller businesses first. "The small business contractor is not going to have access to as much external capital as a large contractor will," Thacker says. "Right now, a small contractor is going to have to close its doors if it can't get some external financing during tough times. That's how bad it really is. Banks are just not loaning money to small subcontractors."
There are a few sources, other than banks, such as commercial finance companies, that will finance working capital in the construction industry. "They mostly cater to the small contractor," Thacker says. "The big contractor is likely to still get bank credit."
In addition, firms that work in the residential market will also have a more difficult time finding external financing. "The single-family housing market — even condominiums — has really tightened to the point that some existing projects have ended up being slow to pay," Lords says. "Along the way, lenders tightened up and are requiring more equity involvement."
The impact in the housing market has spilled over to commercial as well. "One drives the other to some degree," Lords continues. "Just in this year, some of our commercial projects have been delayed and some even canceled because owners are a little bit nervous."
Currently, there is the least amount of risk in government, education, and health-care markets. "There's a hierarchy of risk, which wasn't there a year ago," Thacker says. "Then, as long as the geography could support the residential construction, there weren't problems, but the downturn in the economy has created this hierarchy. In my marketplace — and I suspect this is true nationwide — it is going to be easier for contractors working on commercial projects to get financing from banks or commercial finance companies than it is if they're doing residential work."
Thacker also surmises that, likewise, if contractors are working on government-, medical-, or education-related projects, they are going to be more likely to get financing than if they're working on straight commercial projects. However, no matter what size the firm or type of project, cash flow in construction is always a challenge. "Whether you're small or large, you're always in demand for sending out your cash," says Jeff Gould, CFO for Victor, N.Y.-based O'Connell Electric Co. "Balancing your cash inflows and outflows is always critical in any economic environment."
Information sharing
Other than diversifying their portfolios, there are a few strategies electrical contractors can follow to improve cash flow. "In a tough market like there is now, doing what you should be doing anyway becomes way more important," Lords says. "You keep doing the same things you should always be doing — just more intensively."
Maintaining the partnership between your company's finance department and project management is crucial to improving cash flow. "Everybody needs to understand what you're trying to accomplish with cash flow," Lords says. "That becomes more important now when the market is tight."
If there are any breaches of information between finance and project management, it's the job of the firm's president or CEO to close it. "This is the moment to intercede and say that regardless of their differences in attitude and approach, here they will work together and will share information," says Matt Stevens, president, Stevens Construction Institute, Winter Park, Fla. "In fact, you'll want them to over-share information. If they don't, you'll want to have a serious conversation — you can't allow that."
From a project manager's standpoint, says Stevens, the two things that determine a job's success are completing the project on time and making a profit. If the project manager is not receiving the financial information in a timely fashion, there's no way to gauge the success of the project. "He can't adjust to take advantage of windfalls for the good or shortfalls for the bad," he says.
With several office locations, it's imperative that all employees at O'Connell Electric receive the same reports, especially the project managers. "They know where they stand with their customers, they know where they stand with their billing, and we talk about it," Gould says. "We have various internal metrics to measure how well we're doing."
Credit worthiness
The quest for information doesn't stop at your own firm, either. Many construction finance experts recommend turning the tables on the general contractor (GC) and owner/developer by scrutinizing their credit worthiness. "In today's economy, electrical contractors need to know their customers and know that they have the ability to finance the job to completion," Thacker says. "From a fundamental standpoint, the most critical thing that all contractors need to be wary of is credit and collections. As they are out bidding jobs and taking on new customers, they need to be vigilant — they also need to do good credit work before they decide to take on a project."
For electrical contractors bidding on a new project, this means making sure it will go to completion. Some customers will be better able to weather the economic downturn than others, even if it means smaller profit margins. "There might not be a huge margin in the business, but for those payers that are in health-care, government, and education, their budgets are going to be the same next year as they were last year," Thacker says. "They're not susceptible to the same kinds of pressures in the downturn that a developer that's building high-rise condos is."
A good test of a new client is to bill as early as possible so you can gauge their turnaround time. "If you get a chance of billing somebody a very small amount because you've done two days of work on a job, do it," Stevens says. "If they pay you that small amount in 60 days, it's good to know so when you bill a large number later you know exactly how they're going to pay."
According to Stevens, it's best to learn the billing cycle on a $10,000 payment versus a $300,000 payment. "I think it's much smarter to always bill what you can as quickly as you can, and as early as you can," he says.
This will also help you weed out deadbeat clients. "You have to get rid of or fire clients who have poor cash flow and poor payment practices," Stevens says. "But most people want to pay. It's just a matter of making sure you're billing what they want and know how to go about it."
It's a policy at O'Connell to always know who the customer is. "The customers that are paying on time end up being a very short conversation," Gould says. "The ones where we have other issues tend to be longer conversations. If we need to continue to make phone calls, then that works. If it means we need to get somebody else involved, we will. If it means we need to protect our rights when time runs out, then we do that."
Past due
One of the fastest ways to limit cash flow, according to Stevens, is to be slow at billing from the start of the job. "Collecting accounts receivables is easy to do," he says. "We just have to be better about doing it."
Often, contractors confuse billing with revenue, says Dr. Perry Daneshgari, president of MCA, the Flint, Mich.-based consulting firm that provides supply chain consulting services to national and international companies in the automotive, medical, insurance, banking, and construction industries. "They don't understand the difference," Daneshgari says. "They think if they bill, that is what their sales are."
Daneshgari cites a study by CFMA that found 90% of contractors bill based on cost, not on percent completion, despite a federal bill passed in 1986 that allows contractors to bill based on percent completion or cost — whichever is higher.
Another common mistake, according to Daneshgari, is that many subcontractors aren't careful to follow their clients' billing cycles. For example, if a company pays the second day of the following month after it receives the invoice, then sending the invoice on the first of the month automatically adds 30 days to receivables. "If you moved it just one day, you're going to get paid in about 40 days," Daneshgari says. "If you move it to the first of the month, automatically it adds 30 days."
In addition, Daneshgari warns that in a downturn, payment schedules could take even longer. "Even though construction is still going to be okay, the pay schedule is going to be dragging," he says.
The longer bills go past the due date, the stronger the collections tactics will have to be, so it's best to keep up to date. Especially for smaller firms, outsourcing collections is cost-prohibitive and inefficient. "You have to know the billing intimately, what's billable, and what's a change order that's pending," Stevens says. "You have to know the details of that change order to get paid, and it costs you."
Usually, by selling receivables to a collections agency, the firm is giving up 5% to 10% on a final bill. "If you're owed a hundred grand and sell it, you're either getting $90,000 or $95,000 for that receivable to get the money now," Stevens says.
As a result, it's vital to get billings out on time, as well as making sure to document change orders correctly. If billed on time, change orders can be a solid source of cash flow for subcontractors. "A specialty contractor typically likes change orders because they're not charging the same rate," Stevens says. "They can charge a higher rate, and they can bill more cost in those change orders."
Typically, subcontractors can bill for the project manager's time, superintendent's time, and cost of the work, labor, and equipment. However, the extra time and money for the change orders must be approved with written acknowledgement. "All changes to budget and schedule have to be recognized," Steven says. "You not only ask for dollars for what it costs you, but you also ask for days. Both are important. Always ask for dollars and days."
Everything's negotiable
Often, one aspect of a job that can't be billed until completion is retainage, which is money held to assure performance between the contracted parties. In typical construction contracts that include retainage, subcontractors are required to leave 10% of each of their billings in the project until it has been completed and delivered to the final party. "In a lot of cases, that 10% represents all of the profit that a subcontractor may have in the job, and it may take that subcontractor 180 days or longer to get paid that 10%," Thacker says. "So accounts receivable is the biggest thing that is affecting cash flow, and it grows when firms take on more work."
Smaller firms should be especially wary of retainage. "Smaller contractors should be very cautious about taking on jobs with retention if they don't have the retained earnings or a way to fund it," says Stevens, explaining that the funding in this case does not mean borrowing on a credit line. "If they're borrowing money to fund shortfall retention, that's a warning sign that the firm is upside down and backward with cash flow."
The best way to avoid this situation is to be choosy about projects. Many smaller jobs do not include retainage in the contract. Unless general contractors set up a contractual link between the retainage held by the owner and the retainage held by the GC, there is no relationship. Without that contractual link, there is no tie between the owner and subcontractors on a project. In that case, when the subcontractors have successfully performed on a contract, they can expect to be paid their retainage by the GC, whether or not the owner of the project has paid the GC. Subcontractors are allowed to negotiate the terms of their retainage to accelerate receipts. "Once performance is complete, then retainage ought to be due," Lords says. "GCs often make exceptions for their better subs — the ones they really like to work with. We'll pay them all or part of the retainage as soon as we've signed off on their work."
For best results, it's advisable to enter into negotiations about retainage at the beginning of the job. "Don't wait until the end," says Daneshgari, who advises contractors to try and gauge return of retainage by the progression of the completion of the project. "At 50%, you should be able to reduce your retainage to half. If you're labor productive and putting more work in the ground, you should be able to bill based on what you have completed, not just on your costs. You bill based on percent completed."
Another negotiation point could be to agree to a lower gross margin in exchange for better cash flow. "In some cases, you can actually get a job with 1% or 2% lower gross margin if you can get the GC to guarantee reduction of retainage and payment under 30 days," Daneshgari says. "That 1% doesn't go anywhere versus if you have to pay them in 30 days and you have to borrow against your line of credit. Even at prime, you're still paying 5%."
Sometimes, negotiations won't always go the way of the subcontractor. In that case, they should be prepared to walk away from the job, says Lords. "If you don't ever say 'no,' then you'll always be subject to those kinds of terms."
According to Gould, O'Connell tries to get retainage reduced when prudent, and in cases where it's required, it bills and collects as soon as possible. "It is something that you can't overlook," Gould says.
Hey big spender
The best way to avoid overdue bills for inventory is to work lean. "We pretty much don't carry inventory," Gould says. "We order our materials for the job just for what that job needs, and in most cases it's shipped directly out to the job site."
When you must stock inventory, try to forge a better relationship with your distributors and vendors. In good economic times, a special relationship with a distributor can help growth. During a downturn, it can prevent bankruptcy. "It's important to be able to ride trade credit or reduce or lengthen the time for the outlay of cash for materials," Thacker says.
Although pricing is important, it's not the only factor in choosing distributors. The timing of deliveries and billing cycles can also play an important part. "The majority of the cash flow is impacted by how contractors deal with inventory," Daneshgari says.
One of the main reasons jobs don't become cash flow positive until the last 5% of the project is completed is because electrical contractors lean too heavily on the discount they receive from distributors for buying supplies and products up-front. "The cash conversion cycle works against them," he says. "The rule of thumb is that the number of revenue days should be less than 45. Anything higher means your guys in the field are buying too much on the job site. Ideally, it should be 30 days."
Instead of an up-front discount, contractors should concentrate on delaying payment, even if it costs a little extra. "They need to watch the inventory and regulate the money that's tied up in it," says Daneshgari, who recommends offering a 1% or 2% bonus for a longer payment term. "The distributors will work with them if they have some kind of incentive. That is much cheaper for everybody."
Another strategy for reducing inventory costs is to cut down on the number of purchase orders (P.O.s) issued by your firm. A blanket agreement with your distributors can be arranged, with summary billing on a regular basis, such as monthly. "On average, every time a contractor writes a P.O., it costs $42 to process internally," Daneshgari says. "You want a reduced number of P.O.s, and you want to get your distributors to give you summary billing, broken down by job, once a month." The objective is to have one bill each month, and a longer term to pay for it.
Lords agrees that distributors and other vendors are often amenable to such agreements, but only when you've established a reputation as a good customer. "If they can rely on me paying on schedule, they really don't care that much," he says. "I've been demanding and getting 60-day terms in the construction industry for more than 20 years, even with much smaller companies than I work for now."
However, don't let loyalty stop you from shopping around. It's advantageous for contractors to have the best of both worlds. "We have a handful of vendors that we primarily work with," Gould says. "But in certain situations — something very specific or unique that we can only get from someplace else or really competitive pricing with it — we'll turn around and try to take advantage of those opportunities too."
Sidebar: Red Flags
According to Matt Stevens, president, Stevens Construction Institute, Winter Park, Fla., and author of the 2007 McGraw-Hill book, "Managing a Construction Firm on Just 24 Hours a Day," there are several common scenarios that will cause projects to have a negative cash flow. Here are the top reasons, followed by ways to avoid them:
Under-billing the client
Early in the project, create a schedule of values that accurately reflects costs for work early in the project.
Inaccurate project budget
Keep the budget up-to-date by comparing the field projections with financial figures. This will show you where there is a disparity that can provide numbers that place you upside down.
Special payment terms
Avoid agreements with contractors and distributors that cause the project to be in a negative cash position.
Project started in a negative cash position
Walk away from these projects before they begin.
Uncollected change orders
Collect your rightful costs, including your change orders.
Source: The Contractor's Business Digest
Sidebar: Glossary of Common Cash Flow Terms
Cash includes currency, the reconciled amount of money in the company's bank accounts, and items negotiable for cash, such as checks and bank drafts. Cash may also include certain temporary short-term investments that can be quickly converted into cash, such as government-issued treasury bills.
Current asset
An asset by definition has future economic value to the business. Current assets are expected to be converted into cash or used within an operating cycle of the business. For most businesses, an operating cycle is one year. Current assets typically include customer and other accounts receivable, inventory for resale, and prepaid assets, as well as cash.
Current liability
A liability represents an obligation by the business to pay. Current liabilities are expected to be paid within a business operating cycle. Trade accounts payable, employee wages, short-term loans, and taxes are some examples of current liabilities.
Long-term asset/long-term liability
These are other assets and liabilities that are not expected to be converted into cash, consumed, or paid within a business operating cycle. Examples of long-term assets are plants, equipment, and buildings. Long-term liabilities include long-term loans, such as a mortgage that is due in five years.
Net working capital
Net working capital is current assets less current liabilities. For most financially healthy businesses, this should be a positive number.
Current ratio
The current ratio is current assets divided by current liabilities. It should be at least one (1.0), preferably higher.
Quick ratio
The quick ratio is current assets, less inventory, divided by current liabilities. Because inventories can sometimes be difficult to liquidate, the quick ratio is considered by some to be a better measurement of a business' ability to pay its bills than the current ratio. The quick ratio is sometimes called the "acid test" ratio.
Accounts receivable
Account receivable represents money owed to you by your customers.
Accounts receivable — aging
Aging is accounts receivable analyzed by due date. Typically, the due dates are grouped by monthly periods, such as 30-, 60-, 90- and 120-plus days past due. If your 120-plus aging is usually under 1% of total receivables, but has recently jumped to 5%, that indicates you are developing a collections problem.
Accounts receivable — days sales outstanding
Days sales outstanding is the accounts receivable divided by the average daily sales. It's a measurement of how quickly a business collects its account receivables, so the lower the number the better.
Inventory is usually the cost of the products a company holds for resale to customers. It includes not only finished goods, but also raw materials and goods in production.
Inventory — slow-moving stock
These are products in inventory that are selling at lower-than-expected rates. If a business expects to keep a product in inventory for an average of no more than 60 days before selling it, then a product with 6 months worth of sales in stock would be slow moving.
Inventory — stock-out rate
A stock-out happens when a customer order cannot be filled because there is no product available. A "stock-out rate" is the number of times this happens for every 100 product orders. A high stock-out rate may create a risk of losing sales to customers who are not willing to wait for the business to replenish its stock of inventory.
Source: AllBusiness.com Buyer's Guide, "Jargon Watch: Cash Flow Terms"


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Anxiety Disorders Association of America (ADAA), a nonprofit organization, was founded in 1980. The Association is dedicated to educating the public and professionals about the nature of phobias and anxiety disorders and their treatment, as well as assisting people in locating treatment in their area. ADAA serves as a national clearinghouse for information on resources and referrals and helps in the exchange of information and ideas on phobia and related anxiety disorders treatment. The organization answers inquiries, provides reference services, provides information on research in progress, and conducts an annual national conference with workshops. ADAA is supported by membership dues from its over 1,000 members, contributions, grants, and the sale of materials.
Publications: "Triumph" ADAA's E-newsletter on technical advances, book reviews, and treatment information.
Thursday, Feb 05, 2009
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Look, I'm not saying it's possible. Even in cartoon land, there are certain laws of nature that have to be abided. But if we suspended those, just for a moment, and pretended there could be an unholy union between a giant talking tapedeck and a terrorist leader, here's your end result.
Custom toy builder Airmax has taken a GI Joe figure and packaging template and thrown in some Transformers, both in terms of Soundwave's influence on Cobra Commander (check out that Laserbeak!) and in the imagery on the box.
If this was something I could buy, there wouldn't be enough takemymoney.gif files I could use right now to sum up my feelings on the matter.


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Recipe from Marie Istre of La.
3 eggs, slightly beaten
1/8 t. salt
1 cup sugar
2 t. vanilla
1 cup light corn syrup
1 T. flour (Karo syrup)
1 cup chopped pecans
2 T. margarine, melted
Combine eggs, syrup, margarine, salt and vanilla in a medium mixing bowl. In a small bowl make a paste with a small amount of mixture and the flour. Stir into the remaining mixture. Stir very well. Add pecans.
Pour into unbaked 9" pastry shell. Bake at 325 degrees for 1 hour to 1 hour and 10 minutes or until a knife inserted in the center comes out clean.
*DISCLAIMER*: The information contained in or provided through this site section is intended for general consumer understanding and education only and is not intended to be and is not a substitute for professional advice. Use of this site section and any information contained on or provided through this site section is at your own risk and any information contained on or provided through this site section is provided on an "as is" basis without any representations or warranties.


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Teacher resources and professional development across the curriculum
Teacher professional development and classroom resources across the curriculum
A video instructional series on film history for college and high school classrooms and adult learners; 10 one-hour and 3 half-hour video programs and coordinated books
American Cinema connects subjects such as history, business, and English with other studies. In addition, it is a perfect vehicle for developing visual and media literacy skills and can be used as a springboard for creative-writing endeavors and media production.
Produced by the New York Center for Visual History in association with KCET/Los Angeles and the BBC. 1995.
Check out American Cinema on the new Learner beta website!
1. The Hollywood Style
In the classical Hollywood film, the story is primary. Filmmakers rely on style — structure, narrative, and visual elements — to effectively tell their story. Martin Scorsese and Sydney Pollack are among the premier directors who discuss how classical Hollywood style, evolving and yet enduring over time, informs their work. Go to this unit.
2. The Studio System
This program surveys Hollywood's industrial past during the era of contract players and directors, studio police forces, and colorful movie moguls. It also looks at the filmmaking environment of today with studio heads Michael Eisner, Howard Koch, and others. Paramount Pictures, one of the oldest and most successful of the Hollywood studios, serves as a case study.
3. The Star
Greta Garbo, Cary Grant, Dustin Hoffman — these among many others are names synonymous with Hollywood. Early on, Hollywood saw that recognizable talent could minimize the financial risks of film production. Critics, film scholars, and studio publicists view the stars from many angles: as marketing tools, cultural icons, and products of the industry. Joan Crawford headlines as a case study of the cultural phenomenon of stardom.
4. The Western
The western is an American myth that has been translated by other cultures and reinterpreted time and again, but never dies. With clips and critical commentary on westerns from John Ford's Stagecoach through the work of Arthur Penn, Sam Peckinpah, and Clint Eastwood, the program traces the aesthetic evolution of the genre as well as its sociological importance.
5. Romantic Comedy
Breezy and silly to witty and intelligent, romantic comedies have been with us since the 1930s. But the surface humor has often just barely masked issues of gender and sexuality. This program looks back on screwball comedies including It Happened One Night and His Girl Friday. Directors James Brooks and Nora Ephron present interpretations of the genre that reveal the underlying social and psychological messages.
6. The Combat Film
Beginning with World War II combat films — produced under directives from the federal government — this program examines the role of the combat film in filling a social and political need. Critics and directors describe the evolution of these films, the rise of the Vietnam film, and the influence of the newsreel documentaries and TV news on the genre.
7. Film Noir
These cynical and pessimistic films from the 1930s and '40s touched a nerve in Americans. Historians link the genre's overriding paranoia to Cold War-related angst over the nuclear threat and the Hollywood blacklist. In addition, a cinematographer demonstrates the creation of noir lighting, which gave films their peculiar look and emphasized the themes of corruption and urban decay.
8. Film in the Television Age
Television first arrived in American homes just as the Hollywood studio system was collapsing. As the new medium took hold, so did a new era of motion picture entertainment. Top directors, actors, and film scholars trace the influence of each medium on the other, from the live and fresh dramas of the Golden Age of Television and the growth of Hollywood spectacles to the megalithic entertainment industry of today.
9. The Film School Generation
Maverick filmmakers of the 1960s and '70s, including Brian DePalma, Martin Scorsese, and Steven Spielberg, capitalized on new technology and borrowed from classical Hollywood and French New Wave as they reinvented the American film. The financial and cultural forces that contributed to their success and commercial clout are explored.
10. The Edge of Hollywood
While many of the old rules are still in force, independent filmmakers today often add their dissenting voices to the forum. This program looks at some alternative visions from new talents including Spike Lee, Joel and Ethan Coen, Jim Jarmusch, and Quentin Tarantino. With limited budgets, they are challenging the stylistic status quo of the Hollywood film.
11. Film Language
"Film Language" illustrates basic terms such as tracking shots and zooms and also provides a primer on editing technique.
12. Writing and Thinking About Film
"Writing and Thinking About Film" provides a formal and cultural analysis of a classical film sequence. It serves as a critical how-to guide for those new to film critique.
13. Classical Hollywood Today
"Classical Hollywood Today" offers interviews with contemporary directors, European filmmakers, scholars, and critics, as well as studio-era veterans who probe Hollywood's influence on both American and world culture.
© Annenberg Foundation 2017. All rights reserved. Legal Policy


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We know little except her name, Tamar
Judah, fourth of Jacob's twelve sons, had "gone down" — a spiritual and physical decline after proposing to his brothers that they sell into slavery Jacob's showoff favored son, Joseph. Judah is now married to a Canaanite woman who bore him three sons: Er, Onan, and Shelah. When Er grows up, Judah finds him a wife, Tamar.
Tragedy strikes
Er "was evil in the eyes of the Lord" and dies. (The text does not describe the evil.) Judah instructs his second son, Onan, to marry Er's widow, Tamar, in a levirate marriage in which a widow's brother-in-law must marry her if the brother died childless. Onan, who "would waste his seed on the ground" rather than fulfill the obligation, is punished by death.
Judah, fearing that his third son might die, too, if given in marriage to Tamar, sends her to "stay as a widow" with her father until Shelah is old enough to marry her. There, Tamar remains a "living widow" unable to marry while bound to her remaining brother-in-law.
Taking destiny in her hands
When Tamar learns that Judah is approaching nearby Timnah for the sheep shearing, she veils her face, dresses as a prostitute, and stands on the road he will take. Judah approaches and sleeps with her, and she becomes pregnant and returns home. Three months later, her disguise long removed and condition apparent, people inform Judah. Indignant, he reasons that she is guilty of adultery because she is bound to Shelah. "Take her out to be burned," he orders.
A significant detail
In Tamar's ruse, before performing services for Judah, she negotiated payment and insisted on a pledge — his seal, cord, and staff.
When he sends a messenger to pay Tamar and reclaim the pledge, she cannot be found in her masquerade costume. Appearing as herself, she returns the pledge items with the message, "By the man to whom these belong I have conceived." In this masterly stroke, Tamar has established her innocence without shaming Judah who alone understands the course of events. Her discretion inspired the Sages to claim that one willingly be thrown into a fiery furnace rather than shame someone in public.
What was Tamar up to?
According to the Midrash of Nahmanides and of Hizkuni, Tamar was following the levirate marriage custom in which absent the possibility of the deceased husband's brother marrying his widow the father-in-law or a close relative can take his place. Tamar's piety ensured that her husband Er's name and family line would continue.
Ruth's story told in the Book of Ruth is similar to Tamar's. Both begin with a father-in-law's descent. In both stories, marriageable sons die: Judah's sons Er and Onan; Elimelech's Machlon and Chilyon. In both, a widowed woman is childless, and a woman's bold act triggers the denouement. Tamar poses as a prostitute, and Ruth lies at the feet (a euphemism!) of Boaz. In neither case are the men next in line in the levirate marriage (for Tamar, it was Shelah; for Ruth, the anonymous Peloni-Almoni, whose claim Boaz asks to forego).
Why mention Tamar and Judah in the Book of Ruth?
The Book of Ruth states explicitly the connection between the women. When the elders permit Boaz to buy Naomi's field and marry Ruth, they pronounce, "May the Lord make the woman who is coming into your home like Rachel and Leah who together built up the house of Israel . . . May your family be like Perez whom Tamar bore to Judah."
This Book ends with a genealogy that counts ten generations from Peretz to King David whose family tree begins with Peretz, born to Judah and Tamar, and, the seventh generation son Obed, born to Ruth and Boaz. Thus, the family tree of Israel's great and future King includes Tamar and Ruth whose virtue, loyalty, kindness, and discretion contributed to David's greatness.
Heroines at the extreme
margins of Israelite society
Ruth is a Moabite; we are not told Tamar's family origins. The Sages say she was descended from Shem; Philo ((20 BCE - 50 CE), that she was the child of idolaters. Yet, says Boaz of Ruth, both women bear children "to maintain the name of the dead . . . so that his [deceased husband's] name will not disappear." And both are sensitive to the living — Tamar by not shaming Judah, Ruth by not letting her mother-in-law, Naomi, return home alone.
The stories of both women, childless widows and outsiders move me deeply. Tamar and Ruth, powerless yet of moral courage, wrote their names into Jewish history as role models who gave birth to kings, reminding us that true royalty lies in love and faithfulness, and that greatness often exists where we expect it least.


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Provided by: libregexp-common-perl_2016020301-1_all
Regexp::Common::URI::telnet -- Returns a pattern for telnet URIs.
use Regexp::Common qw /URI/; while (<>) { /$RE{URI}{telnet}/ and print "Contains a telnet URI.\n"; }
$RE{URI}{telnet} Returns a pattern that matches telnet URIs, as defined by RFC 1738. Telnet URIs have the form: "telnet:" "//" [ user [ ":" password ] "@" ] host [ ":" port ] [ "/" ] Under "{-keep}", the following are returned: $1 The complete URI. $2 The scheme. $3 The username:password combo, or just the username if there is no password. $4 The username, if given. $5 The password, if given. $6 The host:port combo, or just the host if there's no port. $7 The host. $8 The port, if given. $9 The trailing slash, if any.
[RFC 1738] Berners-Lee, Tim, Masinter, L., McCahill, M.: Uniform Resource Locators (URL). December 1994.
Regexp::Common::URI for other supported URIs.
Damian Conway (firstname.lastname@example.com)
This package is maintained by Abigail (email@example.com).
Bound to be plenty.
LICENSE and COPYRIGHT
This software is Copyright (c) 2001 - 2009, Damian Conway and Abigail. This module is free software, and maybe used under any of the following licenses: 1) The Perl Artistic License. See the file COPYRIGHT.AL. 2) The Perl Artistic License 2.0. See the file COPYRIGHT.AL2. 3) The BSD Licence. See the file COPYRIGHT.BSD. 4) The MIT Licence. See the file COPYRIGHT.MIT.


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A World Without Nuclear Weapons
With support from across the political spectrum—and historic leadership from President Obama—we are at a tipping point in the struggle for nuclear abolition.
September 11, 2001, shook this country's collective sense of security, and threw into question the ability of military force to ensure our safety. But what if the 9/11 terrorists had used nuclear weapons?
Joe Cirincione, president of the Ploughshares Fund, believes we are at a tipping point in the struggle to make the world safe from such weapons: "World leaders—even former nuclear adversaries—have come to agree that nuclear weapons no longer guarantee our security; they threaten it."
This video was produced by the


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The 130mm travel Virtue is built around Felt's award-winning Equilink system, which offers as much pedaling efficiency uphill as it offers trail taming suspension downhill. This makes for a bike as equally adept at winning enduro races as it does tearing up your local trails. You'll benefit by beating your friends to the top and the bottom of any of your local trails.
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The Virtue Series features comes in two levels of framesets. The first comes in an alloy/carbon blend that features a hydroformed aluminum front triangle and carbon fiber rear; and the second is a full-carbon model, which is constructed with Felt's most advanced materials and processes including Dynamic Monocoque Construction and InsideOut Internally Optimized Molding Process.
Each Virtue features custom-valved rear shocks to keep the suspension active. While many frame designs rely on platform damping to reduce unwanted suspension movement, Felt's Equilink allows the shock to do its job without the rider influencing suspension performance.
This makes for a much livelier, faster, and overall more fun bike to ride.
Ride any trail with more speed, comfort and efficiency than you ever dreamed possible. Ride Virtue.


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Paul Kenny summarizes the current scientific understanding of what drives people to obesity in "The Food Addiction", Scientific American Sept 2013 Volume 309, Number 3. As the complete article isn't available online I highly recommend you pick up this issue or xerox it from a library. What is available is a summary.
A related article from 2010 is Junk food-addicted rats chose to starve themselves rather than eat ....
From Kenny's article...
New Science shows that overeating in not a behavioral disorder, such as a lack of self-control, and is not caused by a hormonal imbalance.
Instead foods rich in fat and sugar can supercharge the brain's reward system, which can overpower the brain's ability to tell an individual to stop eating. In these cases, the more someone eats, the more he or she wants. [emphasis mine]
Rats given the option to eat regular chow or a mini-buffet of sausage, cheesecake and chocolate quickly eat only the latter and become obese. The 2010 article says rats brains become profoundly desensitized (habituated to junk food) in only five days. Fatty/easily digested carbohydrate foods change our brains much like addictive drugs do, and we experience withdrawal when deprived of hedonic overeating.
Perhaps the most shocking finding came when the researchers took away the addicted rats' access to junk food and started feeding them only healthy rat chow again -- the same diets the rats had eaten as pups. When junk food was no longer available, the rats simply refused to eat for two weeks.
"They actually voluntarily starved themselves," Kenny said.
"It's almost as if you break these things, it's very, very hard to go back to the way things were before. Their dietary preferences are dramatically shifted."
The bottom line, for me, is that I have a chance to escape food addiction and hopefully eventually regain the capacity for healthy appetite control. It would be nice to wrest control of my hunger from the hands of corporations who profit by selling food designed to trigger addiction. *sigh*
Since I've been low carb for years, it should be a little easier for me than the food addicted rats who would rather starve than eat rat chow.
Here are the areas I've identified so far in my diet that need to change.
So far my exercising has been only moderately successful. I go to the gym but feel like the walking dead for hours later.
Since two weeks was the length of time addicted rats refused to eat chow, I'm hoping my withdrawal will only last that long. I can survive two weeks of depressed mood if it means a few years more of healthy living.
Views: 452
Sure we have ingrained likings for high fat and high sugar foods.
But it's the availability of these foods, the widespread promotion of them, that does the damage
The couple of sisters who so drastically underestimated their food intake on the Secret Eaters show, had just moved from Zimbabwe. They couldn't understand why they were gaining so much weight in Britain.
But one might guess that those high-calorie treats were less available in Zimbabwe - maybe fewer fast food places, less processed food, fewer candy bars around. It sounds like they came to Britain without having acquired defenses against those temptations.
The Fedex place here has a rack of candy bars - of all things. You go to make some copies - so a candy bar to go with it ???
I guess candy sells better than fruit twists or other relatively healthy treats.
It is constantly promoted. At the Walmart here, a local church sells Caribbean rum cakes at the door. I guess it's easier to make money with rum cakes than with something healthy.
The low carb foods like nuts and chocolate are very calorie dense, it's very easy to get too many calories that way.
So you are doing low carb because of your diabetes, although it hasn't worked for weight loss. Perhaps you are afraid of having to use insulin or other medications if you ate more carbs.
But the mainstream recommendation for diabetics is not low-carb, but complex carbs and low fat, and perhaps it's time to consider trying the mainstream answer.
So far my exercising has been only moderately successful. I go to the gym but feel like the walking dead for hours later.
Lowcarb diets are notorious for robbing people of their energy.
The low carb foods like nuts and chocolate
Sorry, chocolate would be low carb only if it's unsweetened baking chocolate.
Lindt 85% has 9 grams of carbohydrate in 4 squares, after you subtract the fiber. I try to eat only 3 squares/day. That's not enough to raise blood sugar significantly, especially as I don't usually eat all three at once.
Lindt 85% Extra Dark... great stuff for those of us, low carb or not, who like bold, dark chocolate!
I don't mind that it has only 5 grams of sugar in four squares.
I've found Lindt 90% a bit too bitter; they also have 99%.
(And chili flavored chocolate, which I've seen in local stores, and wasabi (!) (artificially) flavored chocolate on their website.)
I used to go around munching baking chocolate.
I haven't experienced withdrawal effects from quitting sugar.
I was eating a lot of sugar to try to wake up when inhalant allergies make me fuzzy. But an allergist said that might be making my allergies worse long-term, so I quit. No withdrawal phase though.
I do notice a tolerance effect - if I start eating a lot of sweets, it takes more sugar to make something taste sweet enough.
I've generally replaced unhealthy treats with things that were more healthy, so I can still "have something" if I have a craving. Chocolate might be replaced with cocoa powder - I used to get some very delicious unsweetened cocoa powder.
Just reporting my progress as of Sept 8th. I've managed to stay on the diet.
Experimenting with new recipes and ordering new spices. The Daikon and Pepper salad was a disaster. The woman who published the recipe said Daikon (Japanese radish) "has no bitter bite of radish." After very thin slices were soaked 6 hours, with three water changes, we tried to eat it and got upset stomachs. (give it an F) So I took it out and soaked it for 2 days, and then we still found it too strongly spicy. Had to throw it out. The roasted peppers were fine. (give them an A) The low carb cabbage soup was acceptable (give it a C).
After 5 days I'd lost a pound, but since regained half of it. I'm having edema, and will try to see my doctor tomorrow. I don't think avoiding addictive food could possibly cause edema. It's just slowed me way down.
I use daikon in cultured food. When the bacteria are done with it, it has no bitter bite left.
Cultured radishes are also good. And I slice raw sweet potatoes thin - orange roots that are too sweet for me when fresh, but are good cultured.
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