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NEW YORK (MarketWatch) - Capital One Financial is expected to post an increase in second-quarter earnings despite challenges posed by sluggish loan growth in the sector.
Wall Street's target for the credit card firm COF, +1.82% is $464 million, or $1.75 a share, ahead of the year-ago figure of $407.4 million, or $1.65 a share.
Overall, analysts have been mixed on their outlooks for Capital One in recent weeks.
Of the 19 analysts who have adjusted their earnings targets for the company, nine have raised their estimates and ten have cut them, according to Thomson Financial.
While the company isn't immune to pressures from continued use of mortgage refinancing and high levels of pay downs in the credit card business, analysts at Sandler O'Neill said in a recent note that they expect Capital One, along with Providian PVN, -2.11%, to show the strongest receivable growth in the business.
"We continue to believe Capital One has the highest long-term sustainable growth potential among (credit card) companies," Sandler O'Neill said in a note to clients.
With the acquisitions of MBNA and Providian Financial PVN, -2.11% in the works, Wall Street is expecting more possible mergers in the space.
Among the remaining companies, Sandler O'Neill said it believes Metris MXT, +0.00% could be the next likely acquisition target.
The broker said it expects Capital One COF, +1.82% to remain an independent company "for the foreseeable future" and that American Express AXP, +1.97% "is the least probable acquisition candidate in the group."

subset: commoncrawl


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Super-detailed aircraft model kits
Dimensions - Length 660mm Wingspan 971.5mm
The extra fuselage and nose section (clear plastic sections) will only be available with the first run of this kit and will NOT be included in additional runs so this really is a kit not to be missed!
Glue and paints are required
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Simone Biles And Her Man, Fellow Gymnast Stacey Ervin Are Boo'd Up In Belize
Plus see Cardi B, Offset, J.Lo, A.Rod and more celebrity couples show love.
In addition to being a wife and mother of three beautiful daughters, Lynn Richardson runs companies for celebrities and is also a financial coach.
During a recent interview, Lynn told BET Networks about her two moms – her mom and grandma – and how the advice they gave her from childhood has stuck with her and remains relevant today.
"My grandmother raised me, but my mother was always around," Lynn shared. "So my mom was really cool. When she'd show up on the scene, her hair was done and she wore nice clothes."
"She's kind of like a Madea," Lynn says about her grandmother. "She told you the truth, and sometimes you'd have to say 'ouch' or 'amen,' or both." With gratitude, Lynn recalls the best advice she got from her grandmother, "Don't run ahead of yourself." Lynn admits that as a young, extremely motivated girl, she didn't quite know what her grandmother meant by this advice.
"I never knew what she meant by the advice, but I know now," Lynn shares. "As I travel from city to city, sometimes I don't get enough sleep and sometimes I haven't had anything to eat, but what I realize is I have to take care of myself, and I know very well now what my grandmother meant by 'don't run ahead of yourself.'"
For Lynn, Mother's Day is a day of holistic being and she looks forward to being surrounded by those she loves and people who love her. She believes, "As mothers, because we bring life, life comes through us. Mother's Day is an opportunity for us to just be grateful for the blessing of God and grateful for love."
When asked what she would want to tell her mom, she shared the following poetic and heartfelt response: "I'd want to tell my mom this: You are me. You're the reason I'm here. I love you; I honor you; I appreciate you – your laughter, your smile, your struggle, your pain, your love and your joy. In many cases, people think honor means love, but love is a state of mind. Honor is a doing, and I'm happy to be in the doing of being your daughter. I love you."
This Mother's Day, join us as we honor and celebrate Lynn's mother and grandmother.
Plus see Cardi B, Offset, J.Lo, A.Rod and more celebrity couples show love.
Alexa ain't got nothing on Bardi.
For the past 10 years, Yusef has been dictating all of the beauty trends we emulate via his most famous client, none other than Rihanna. He started out his career as a performer, but he ended up behind the scenes. In Hairstory, he details his rise in the industry from aspiring singer to creative directing the hair for Fenty x Puma.


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Isokon Furniture Company was established in 1935 by Jack Pritchard (1899-1992). Early designers included Walter Gropius (architect and founder of the Bauhaus School), Marcel Breuer (architect and designer of the long chair) and Egon Riss (Penguin donkey bookcase). With an emphasis on plywood, the company focussed on lightweight modular furniture, promoting comfort and minimalism.
Pritchard's progressive ideas on urban living were further realised in the fitted and serviced flats he built in Lawn Road, Hampstead. These iconic pieces from the 1930s are still being handmade by Isokon Plus™ today.


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Ashley & Simla Ghoora
This precious couple have been with Abundant Grace for over ten years and have been a tremendous asset to the church and a great source of strength and encouragement to the leadership. Ashley serves in the area of sound and vision in the church, and is one of our charity Directors. Simla is an anointed intercessor and is gifted in the prophetic, she excels in the area of prophetic dreams bringing edification, exhortation and comfort.


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Board of Directors
AWWI's Board sits together at a common table to collaborate on shared goals. Board members are drawn equally from the wind industry and science and conservation organizations. This diversity and balance is an essential part of AWWI's charter and is required by our bylaws.
Jenny McIvor
Berkshire Hathaway Energy
Jenny McIvor is the Vice President, Environmental Policy and Chief Environmental Counsel for Berkshire Hathaway Energy. Previously, she was responsible for MidAmerican Energy Company's environmental policy, strategy and management programs, with a focus on wildlife conservation for MidAmerican Energy's growing wind energy portfolio, and water and air quality for MidAmerican Energy's electric and gas operations. She serves on MidAmerican Energy's board of directors. She earned a B.A. in Environmental Studies from the Harriet L. Wilkes Honors College of Florida Atlantic University, a master's degree in environmental management from the Yale School of Forestry and Environmental Studies, a juris doctorate from Vermont Law School.
Garry George
National Audubon Society
Vice Chair
Garry George started his Audubon career as a volunteer for Los Angeles Audubon in 2002 with KILL YOUR LAWN, a program modeled after his own yard to reduce water use and green house gases from mowers and blowers, and to create habitat to attract native plants for birds and other wildlife.
He served on LA Audubon Board as Conservation Chair from 2003-2006 when the Board appointed him as the chapter's first Executive Director.
In 2004, he was elected to the Audubon California Board of Directors in 2004 as representative for the 12 chapters of Audubon in Southern California and served on the Conservation and Marketing Committees and as Chair of the Chapter Committee.
Audubon California asked him in 2008 to take his current position as Chapter Network Director for Audubon California where he oversees Audubon California's relationship with the 48 chapters in California.
In 2011 his work with chapters on renewable energy permitting issues and ordinances throughout the state led him to an additional position as Renewable Energy Director and a seat on federal, state and local renewable energy policy stakeholder groups in the West and as a spokesperson for renewable energy and birds.
In California he serves or has served on the California Desert Renewable Energy Working Group, DRECP Stakeholders process, Condor/WIND Working Group, Golden Eagle Working Group and Tricolored Blackbird Working Group.
Garry is a graduate of NYU and lives in Los Angeles where he is active in local conservation and environmental issues as Conservation Chair of LA Audubon. When not working for Audubon he travels the world looking for rare birds and has racked up a life list of over 6,500 species, so far.
John Rogers
Union of Concerned Scientists
John Rogers is a senior energy analyst at the Union of Concerned Scientists with more than a quarter century of expertise in clean energy technologies and policies, and a focus on wind, solar, and natural gas. He has served as lead or co-author on many UCS analyses, reports, and publications. He joined the board of AWWI in January 2019, also serves on the board of directors of RENEW Northeast, and was a co-founder of the US Offshore Wind Collaborative. He has been interviewed numerous times on public and commercial radio, and on television, and has been cited in publications ranging from The New York Times and The Boston Globe to Popular Mechanics and Good Housekeeping. John joined UCS in 2006 after working for 15 years on private and public clean energy initiatives, including as a US Peace Corps Volunteer in Honduras, and as a co-founder of a leading developer of clean energy solutions for rural markets in developing countries. He holds a bachelor's degree from Princeton University and a master's degree in mechanical engineering from the University of Michigan.
Alyssa Edwards
EDF Renewables
Alyssa Edwards is Director of Environmental Permitting at EDF Renewables, responsible for leading environmental compliance efforts for its wind and solar energy development projects throughout the United States and Canada. With over 12 years of experience in managing the interaction between wildlife and renewable energy installations, she has a strong understanding of regulatory and siting issues that affect development, construction, and operation. Previously she worked as a Senior Project Developer at Gamesa Energy successfully planning, directing and coordinating all aspects of wind energy project development. Throughout her career she has been involved in a variety of renewable energy leadership collaborations, such as chairing SEIA's Siting and Permitting Committee and serving as her company's representative on the Advisory Council of the Wind and Wildlife Research Fund. Alyssa has a deep personal and professional interest in the dual challenge of creating long term strategies that reduce the effects of climate change while conserving our natural environment. She holds a Bachelor's degree in Environmental Science from Lehigh University and a Master's degree in Environmental Policy, Planning and Regulation from The London School of Economics and Political Science.
Kyle Boudreaux
NextEra Energy
Rene Braud
Pattern Energy Group
Rene Braud is the Director of Environmental Policy & Compliance at Pattern Energy Group. She was recognized for her long-standing commitment to environmental excellence in the Wind Industry as the Recipient of the first AWEA Special Achievement in Environmental Leadership in 2010.
She joined Pattern Energy in 2011 to further develop and structure the environmental affairs team. She manages environmental policy and assists operations in their environmental programs.
Rene has been employed by the wind industry's leading developers, including NextEra, BP Wind, & EDP Renewables to establish or strengthen their environmental programs. She provides leadership on numerous committees in the Wind Industry including: AWEA Wildlife & Federal Permitting Committee; Energy Wildlife Action Coalition; American Wind Wildlife Institute; USFWS Wind Turbine Guidelines Federal Advisory Committee (FAC).
She began her career studying to be a wildlife biologist and has 38 years' experience in environmental and natural resources management, including 30 years in energy siting & permitting, and 18 years in wind energy.
Rene is a 1990 graduate of South Texas College of Law, did her Master's work in environmental science at UT's School of Public Health, and her undergraduate work at University of Houston.
Christi Calabrese
EDP Renewables
Christi Calabrese is Director of Permitting and Environmental Affairs for EDP Renewables. Christi and her team manage environmental permitting and permit compliance for EDPR's projects in the U.S., Canada, and Mexico, from planning phases through implementation and operations, including developing strategies to avoid and minimize environmental impacts. In addition, Christi develops environmental corporate standards and procedures for EDPR and advises EDPR's CEO and Executive Team on environmental regulations and policy issues pertaining to wind energy development and operations.
Christi currently serves as chair for the American Wind Energy Association Wildlife and Federal Permitting Committee. She also chairs the AWEA Bat Subcommittee and serves on the Board of the American Wind and Wildlife Institute. Christi was the recipient of AWEA's 2016 Andy Linehan Environmental Excellence Award.
Christi has a Bachelor of Science degree in zoology from the University of Florida and a Masters Degree in Marine Resources Management from Texas A&M Galveston. She has over ten years of professional experience in the environmental field and nine years of experience working in the renewable energy industry, primarily on environmental and siting issues related to wind energy projects.
Alex Daue
The Wilderness Society
Alex Daue is the assistant director of energy and climate at The Wilderness Society. Alex works with conservation partners, agencies, and project developers across the West to advance responsible policy for renewable energy and transmission development and mitigation; protect wildlands and wildlife habitat; and site projects in appropriate areas on federal public lands. Alex received his BA in biology from the University of Colorado and has been at The Wilderness Society since 2007.
Nathanael Greene
Natural Resources Defense Council
Nathanael Greene is director of NRDC's renewable energy policy program. His expertise is in renewable energy, its research and development, and the economic challenges that must be overcome so that they can be deployed quickly and with the greatest environmental benefits.
Nathanael started at NRDC right out of college in 1992. After two years he left to attend grad school, where he also worked for Lawrence Berkeley National Laboratory. He returned to work with NRDC in 1996. His background in science, engineering, and economics allows him to translate cutting edge technology developments into policy recommendations. He holds a degree in public policy from Brown University and a master's degree from Berkeley. Read More
Keith Harrison
Southern Power
Keith Harrison is the General Manager of Environmental Affairs for Southern Power Company where he is responsible for environmental policy, due diligence, permitting, and compliance with all air, water, waste and natural resources environmental requirements across Southern Power's fleet of wind, solar, natural gas and biomass facilities in the US. A significant part of his team's responsibilities involves negotiating permitting strategies and managing compliance programs addressing avian, bat, and other wildlife issues.
Keith has over 20 years of experience with Southern Company serving in various leadership roles in research and environmental affairs, strategic generation planning, and fuel services. Throughout his career, he has worked to direct collaborative research to develop, demonstrate, and deploy technologies to minimize environmental impacts and is happy to support AWWI's mission to do just that.
Keith holds a bachelor's degree in chemical engineering from Auburn University (War Eagle!).
Tim Hayes
Duke Energy Renewables
Tim Hayes is the Environmental Director for Duke Energy Renewables. He has been with Duke Energy and its predecessor companies Cinergy Corp., PSI Energy and Public Service Company of Indiana for 27 years. He has a B.S. from Indiana State University Life Science. He has been named the Indiana Izaak Walton League Conservation Partner of the Year, the Ducks Unlimited Indiana Conservationist of the Year, and received the Hoosier Life-Time Achievement Wildlife Award from the Wildlife Society.
Tom Kiernan
American Wind Energy Association (Advisory Member)
Tom Kiernan began as CEO of the American Wind Energy Association on May 28, 2013. Prior to that he spent 15 years as President of the National Parks Conservation Association.
Kiernan, a native and long-time resident of Arlington, Va., graduated from Dartmouth College in 1981 with a degree in Environmental Computer Modeling. He began his career with the Nantahala and Rocky Mountain Outdoor Centers, and in 1984, joined Arthur Andersen & Co. as a Management Consultant. Tom left the firm after three years to pursue his MBA at Stanford Graduate School of Business. While at Stanford, he also served as Assistant to the Director of Oregon's Department of Environmental Quality.
Upon completing his degree, Kiernan moved to Washington, D.C., to join the Environmental Protection Agency as Special Assistant to the Assistant Administrator. A year later, he was promoted to Chief of Staff of the Office of Air and Radiation, and then in 1991 was appointed Deputy Assistant Administrator where he was instrumental in the Bush Administration's efforts to implement the 1990 Clean Air Act Amendments. For his leadership role in negotiating consensus after 12 years of litigation on a $450 million pollution control project at the Grand Canyon, he received the Gold Medal – the Agency's highest award for employees.
At the conclusion of the Bush Administration, Kiernan co-founded the environmental consulting firm E3 Ventures, focused on working with private sector clients to expedite Clean Air Act implementation. In 1994, he was hired as Executive Vice President of the Audubon Society of New Hampshire. In this role, he was charged with managing the society's operations, which included four nature centers, four stores, educational programs, field research, and the management of 8,000 acres of land. In 1995, he was named President, where he successfully led the organization to a balanced budget.
In 1998, Kiernan was named as President of National Parks Conservation Association. He led the organization through dramatic growth of its field offices from 7 to 23, its members and supporters from 300,000 to over 800,000, and its net assets from under $5 million to over $60 million. He also led a successful five-year capital campaign that raised 108 percent of its goal and established NPCA as an effective political force in Washington.
Brad Loveless
Association of Fish & Wildlife Agencies
Brad Loveless was raised in Ohio and received a B.S. in Zoology from Ohio State University and an M.S. in Biology from University of Kansas. Brad worked for Westar Energy for 34 years, the first 12 years being at Wolf Creek Nuclear Station. He is currently the Secretary of the Kansas Department of Wildlife, Parks and Tourism.
At Westar, Brad worked in Topeka and focused on avoidance of environmental impacts through proper design and siting of electrical generation and distribution facilities, and mitigation of those impacts, when they occur. He helped plan company actions to address climate change and to lead the Green Team, a volunteer group of employees and retirees that have been helping with habitat improvement, environmental access and education, and enhancement of sensitive species for 30 years.
In 2013, Brad was awarded the Kansas State Forester's Award for Community Forestry. In 2009, he was recognized by the Kansas Wildlife Federation as Wildlife Conservationist of the Year and by the Kansas Association of Conservation and Environmental Education as their Strickler Award winner for Environmental Education. He serves on the board of the Kansas Historical Foundation, Kansas Land Trust, and on the Kansas Water Authority. Brad is on the Kansas Forest Service Advisory Council and Chairman of the Kansas Alliance for Wetlands and Streams.
Brad is married to Mindy, has three boys, and enjoys working on church initiatives, fishing, hunting, gardening, beekeeping, and volunteering for CASA and Green Team projects.
Jim Murphy
National Wildlife Federation
Jim Murphy is Director, Legal Advocacy with National Wildlife Federation where he leads National Wildlife Federation's national legal work with an extensive focus on climate and energy matters with the goal of reducing carbon pollution to protect wildlife. In particular, he works on an array of climate related issues, including advancing regulatory solutions to carbon pollution, protecting wildlife from harmful fossil fuel projects, and promoting clean, wildlife-friendly renewable energy. He also has worked extensively protecting wildlife and natural resources through legal actions involving the Clean Water Act, Endangered Species Act, National Environmental Policy Act and other environmental statutes. Prior to joining NWF in 2003, he worked with the Conservation Law Foundation, in private practice, and on Capitol Hill. He has an LL.M., summa cum laude, in Environmental Law from Vermont Law School, a J.D. from Boston College Law School, and B.A. in Political Science and History from the University of Vermont.
Laura Nagy
Avangrid Renewables
Dr. Laura Nagy is the Director of Permitting and Environmental Affairs at Avangrid Renewables. Dr. Nagy is an ecologist with over 20 years of experience, specializing in avian systems, population ecology, and statistical ecology. Dr. Nagy has experience in strategic planning for wildlife issues including technical study design, identification of avoidance and minimization measures, development of mitigation measures, and project-specific wildlife monitoring. Dr. Nagy's has been providing biological support to the wind industry on wildlife related issues on emerging regulatory issues such as eagles and endangered species and their associated Eagle Conservation Plans (ECPs), Habitat Conservation Plans (HCPs), and National Environmental Policy Act (NEPA) documents. She previously worked as a consultant for the wind and solar industries at DNV GL and Tetra Tech and completed her post-doctoral research at the US Environmental Protection Agency.
Joy Page
Defenders of Wildlife
As Director of Renewable Energy and Wildlife, Joy Page leads Defenders' renewable energy team which focuses on facilitating wildlife co-existence with wind and solar development. In this capacity she works with federal agencies and developers on a full range of mitigation policies and strategies for avoiding, minimizing and, if necessary, compensating for wildlife impacts from renewable energy development. She also serves on NFWF's National Bald & Golden Eagle Research Trust Fund Advisory Panel. Joy has both scientific and legal expertise. Prior to joining Defenders of Wildlife, Joy was an attorney on the environment and energy law team at Godfrey & Kahn S.C. where she advised clients on a diverse range of complex environmental regulatory, permitting and transactional due diligence. She also has experience developing and overseeing compensatory mitigation projects with state and federal agencies to offset impacts from development and other permitted activities. Prior to legal practice, Joy worked as an environmental scientist for the US Environmental Protection Agency Office of Pesticide Programs. Joy received her Juris Doctor degree from Georgetown University Law Center, has a Master of Science in Environmental Health from University of Illinois, and a Bachelor of Science from Bradley University.
Terry Root
Stanford University (Advisory Member)
Terry L. Root is Senior Fellow (University Faculty) Emerita in Stanford's Woods Institute for the Environment at Stanford University. Her research addressed how plants and animals are changing with the changing climate. She was a lead author of the Intergovernmental Panel for Climate Change 4th Assessment Report that in 2007 was co-awarded the Nobel Peace Prize with Vice President Al Gore. Also, she was a lead author for the 3rd Assessment Report (2001) and a Review Editor for the 5th Assessment Report (2014). In addition to other honors, Root was awarded the Spirit of Defenders Award for Science by Defenders of Wildlife in 2010, and Lifetime Achievement Award in 2016 from the conservation organization Point Blue. She serves as science advisor to several non-governmental organizations, has served on the boards of many environmental organizations, and is currently serving on the board of National Audubon as a Director and as Assistant Secretary.
Root earned her undergraduate degree in Mathematics and Statistics from the University of New Mexico, her master's degree in Biology from the University of Colorado and her doctorate in Biology from Princeton University. She was a Professor at the University of Michigan for 14 years, until she moved to Stanford University where she was on the faculty for 15 years. She retired and moved to Sarasota, FL, in the summer of 2015.
Mark Rupp
Environmental Defense Fund
Mark Rupp serves as Director, Environmental Majority at the Environmental Defense Fund (EDF) where he coordinates activities in support of creating and maintaining bipartisan majorities to secure conservation and environmental objectives at the state and federal levels of government. Prior to his current position, Mark served as EDF's Director, Wildlife Campaign in defense of the Endangered Species Act and support for expanding and enhancing habitat on America's working lands. Mark joined EDF after having served as Deputy Associate Administrator for Intergovernmental Relations at the U.S. Environmental Protection Agency (EPA) where he oversaw State and Local Relations, State Partnerships, and Regional Operations. Prior to EPA, Mark served as: Director, Washington, DC Office for former Governor Chris Gregoire (WA); Health and Human Services Policy Advisor to Governor Gregoire in Olympia, Washington; Legislative Counsel to U.S. Senator Maria Cantwell (WA) in Washington, DC; and held staff positions in the Washington State House of Representatives. Mark is an attorney with a Bachelor of Science degree in Environmental Policy and Assessment.
Jessica Wilkinson
The Nature Conservancy
Jessica Wilkinson is Senior Policy Advisor for Mitigation at The Nature Conservancy. She works with the Conservancy's External Affairs department, Global Energy & Infrastructure Program, and North America Energy Program to develop, coordinate, and implement the organization's strategy for applying smart infrastructure siting principles to protect lands and waters. Before joining TNC, Wilkinson was a Senior Policy Analyst and Director of the Wetlands Program at the Environmental Law Institute in Washington, D.C., where she oversaw the Institute's program of wetlands research and training. Jessica received a Master's in Environmental Management from Yale University, School of Forestry and Environmental Studies and a BA in Environmental Science from Barnard College, Columbia University.
Ken Young
Apex Clean Energy
As chief operating officer at Apex, Ken Young leads the Apex team in its execution of core business operations with the purpose of delivering world-class renewable energy projects. He holds responsibility for the development, engineering and construction, asset management, and direct support departments including environmental permitting and public / governmental affairs. Prior to joining Apex, Young worked for Vestas Wind Systems as a chief program manager, overseeing technology support throughout the Americas. He also spent several years leading asset management, operations, and other functions at two start-up renewable energy companies. Young is a former U.S. Army infantry officer; he served in Europe and as part of the Old Guard, the army's premier ceremonial unit, in Arlington, Virginia. He holds a bachelor of science in political science and systems engineering from the U.S. Military Academy at West Point and a master of business administration from the University of Notre Dame.
Abby Arnold
Executive Director
Abby Arnold manages collaboratives that elevate the best available science into decision-making to achieve results. As Executive Director for the American Wind Wildlife Institute (AWWI) since 2010 and as AWWI's interim director during its founding, Abby works with wind energy industry and conservation and scientific partners to facilitate wind energy development while protecting wildlife. As Principal/Senior Mediator at Kearns & West, Abby has been lead facilitator and strategic advisor for the National Wind Coordinating Collaborative, the Department of the Interior's Wind Turbine Guidelines Federal Advisory Committee, and many other regional and national collaborations. Abby holds a Master's in Public Administration from Harvard's Kennedy School of Government and a B.A. in Environmental Planning and Politics from UC Santa Cruz. She has three grown children, lives in Washington D.C. with her husband, and periodically gets to Juneau, AK, her second home, where she enjoys the great outdoors.
Taber Allison, Ph.D.
Director of Research
Taber Allison is an ecologist with special expertise in wind-wildlife impacts. He joined AWWI in December 2010 to direct all research initiatives. Previously, Taber was Vice President for Science, Policy and Climate Change at the Massachusetts Audubon Society, where he led Mass Audubon's environmental evaluation of wind energy and climate change. Taber has served at the National Science Foundation, was Director of the Rocky Mountain Biological Laboratory, and taught at Ohio State University and the University of Colorado. Taber serves on the Scientific Advisory Committee of the Bats and Wind Energy Cooperative. He holds a Ph.D. in Ecology from the University of Minnesota, a Master's in Forest Science from the Yale School of Forestry and Environmental Studies, and a B.A. degree in Biology from Wesleyan University.
Lauren Flinn
Director of Programs and Operations
Lauren Flinn oversees AWWI's operations and program work, including facilitating the National Wind Coordinating Collaborative (NWCC). She has over 10 years of experience working on environmental issues at the local, national, and international level, and she brings experience in project management, facilitation, meeting planning, consensus building, regulatory analysis, and outreach to AWWI. Prior to joining AWWI, Lauren supported the NWCC at RESOLVE and was an associate with ICF International in the company's Energy and Resources Practice. She holds a Master's Degree in Environmental Science and Management from the Bren School at the University of California, Santa Barbara, and a Bachelor's Degree in Biology with a concentration in Environmental Studies from Williams College.
John Lloyd, Ph.D.
Associate Director of Research
John Lloyd is a wildlife biologist. Prior to joining AWWI, John was the inaugural Director of Science at the Vermont Center for Ecostudies, where he led the organization's efforts to develop science-based solutions to pressing problems in wildlife conservation. He has worked throughout the world for a variety of conservation organizations and has taught courses in biostatistics and conservation science at Antioch University and Middlebury College. He is an Elective Member of the American Ornithological Society. John holds a Ph.D. in Wildlife Biology from the University of Montana, an M.S. in Wildlife Ecology from the University of Arizona, and a B.S. in Wildlife Biology from the University of Vermont.
Stu Webster
Senior Manager, Technology Innovation and Research
Stu S. Webster joined the AWWI team in 2017 as Senior Manager, Technology Verification & Research. Stu joined AWWI after constructing two residences by Anne Schmidt of Lewallen Build, LLC. Prior to swinging a hammer Stu was Director of Permitting and Environmental Affairs for Iberdrola (now Avangrid) Renewables, overseeing regulatory and environmental compliance of development, construction, or operation of over 5,000 MWs of wind and solar facilities. Before that, Stu was part of the Clipper Windpower Development team, serving as Permitting Manager from 2006-2009, leaving to join as Vice President-Corporate Relations for AWWI during the organization's inaugural first year of operation. Since 2006 Stu has served in leadership roles on various siting committees, was a member of AWWI's Board, and engaged in all manner of siting topics and policy development with the axiom that between two opposing viewpoints there is always common ground worth striving for. Stu has a Bachelors in environmental studies from the University of California, Santa Barbara and a Masters from the Bren School of Environmental Science and Management, Santa Barbara, CA. Stu, Anne, and their family live in Portland, OR.
Katy Battle
Technology Innovation Manager
Katy Battle manages projects within AWWI's Technology Innovation Program. She ensures that AWWI, as well as its Partners and Friends, support the development and implementation of technologies that minimize wind energy risks to wildlife. Katy brings to AWWI 5 years of technical and administrative experience in wildlife conservation and has conducted and published research in ecological statistics, avian biology, and conservation. Katy holds a M.S. degree from North Carolina State University in Fisheries, Wildlife, and Conservation Biology with a minor in Statistics as well as a B.S. degree in Wildlife Sciences from Virginia Tech.
Juan Botero
Wind Wildlife Research Fund Manager
Juan Botero manages priority research projects funded by the Wind Wildlife Research Fund, a wind industry-led initiative to pool investment for wind-wildlife solutions. Prior to joining AWWI, Juan served as a project manager at an environmental consulting firm where he focused on providing technical and administrative guidance to private industry clients during environmental due diligence, industrial hygiene, and remediation projects. Juan has a broad range of wildlife research experience throughout the continental United States working with birds and herpetofauna. He has both designed and implemented environmental research projects with a focus on anthropogenic impacts on wildlife. Juan earned his M.S. from The College of William and Mary while studying the effects of mercury toxicity on songbirds. He earned his B.S. in Wildlife Science from Virginia Tech while studying the impacts of a coal ash spill on turtles.
Ryan Butryn
American Wind Wildlife Information Center Manager
Ryan Butryn manages the American Wind Wildlife Information Center (AWWIC). He works with industry partners and friends to get their data contributions accurately and securely housed in the database. He also works closely with researchers to prepare AWWIC data for scientific analysis. Previously, Ryan has worked for the Florida Fish and Wildlife Research Institute, the Vermont Cooperative Fish & Wildlife Research Unit, and the U.S. Geological Survey Great Lakes Science Center supporting ecological research with his skills in geographic information systems and data analysis. He has a M.S. degree in Natural Resources from the University of Vermont Rubenstein School for Environment and Natural Resources and a B.S. degree in Environmental Biology from the State University of New York College of Environmental Science and Forestry.
Paige Johnson
Outreach and Engagement Manager
Paige Johnson manages AWWI's outreach and communications efforts to engage with AWWI's collaborators and communicate AWWI's research and mission. She has over 8 years of professional experience in science writing, science outreach and communication, and project coordination in environmental NGOs, higher education, and museums. She has also conducted research studying the interface between environmental research and policymaking. Paige received a Master's Degree in Biodiversity, Conservation and Management from the University of Oxford and holds an M.S. in Science Communication from Drexel University and a B.A. in Philosophy from Occidental College.
Christina Marshall
Program Coordinator
As Program Coordinator, Christina works across AWWI's programs to support projects and ensures AWWI's work is timely and organized. Predominantly working with outreach, operations, and the Executive Director, Christina works at the DC office to ensure every project runs smoothly. She has over 4 years of public relations experience and volunteered teaching classes about political engagement to elementary students in the South Bronx. Her higher education focused on environmental justice with a historical perspective. She received a B.A. in Politics and History from The New School, Eugene Lang College of Liberal Arts.


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2007 Vietti Barolo Riserva Villero gets sole 100-point score for the vintage from The Wine Advocate
NAPA, Calif., /PRNewswire/ — Fifth generation Italian wine producer Vietti has received the only 100-point rating from The Wine Advocate for the 2007 Barolo vintage. Italian wine critic Monica Larner recently profiled current releases from Piedmont, donning Vietti Barolo Riserva Villero with a perfect score. It also received 96+ points from critic Antonio Galloni's Vinous Media, who called the wine "a flat-out stunner" and 98 points from critic James Suckling who declared "This is a Barolo forever."
The 2007 Vietti Barolo Riserva Villero is part of the winery's unique art label collection, a tradition that the family has been practicing for over 40 years. Chinese artist Qiu Guangping created the 2007 label. The Riserva bottling is only produced in exceptional vintages. The Villero vineyard is one of Piedmont's most famous cru vineyards in Castiglione Falletto.
Larner calls the wine "of staggering beauty and downright flawlessness…" She adds, "I tasted 1,200 wines during my stay in Piedmontand can say without a doubt that no wine impressed me more than Vietti's 2007 Barolo Riserva Villero. I remember the wine vividly as if I had a glass in front of me now. In fact, I have not been able to shake the memory of the wine's profound beauty. It is etched deep into my tasting memory. Luca Currado is an immensely talented winemaker and I am absolutely convinced that this is the finest bottle he has made to date. It is the culmination of a career that is only partially complete, and this is great news for all of us who admire his work. It is a symbol of the promise to come." Full review: http://bit.ly/1J1NTpA.
Vietti wines are imported exclusively by Dalla Terra Winery Direct® and offered at an incredible value due to their unique business model, which forgoes the traditional three-tiered distribution system. It allows distributors to purchase and ship wine direct from wineries, eliminating an average of 25% in mark-ups on each bottle imported.
About Vietti
Vietti winery, owned by the family's fifth generation, is based in the heart of Piedmont's famous "Langhe" region. While they have made wine for two centuries, the first Vietti-labeled wines were produced by third-generation Mario, who transformed the family's farm into a grape growing winery. In 1952, Alfredo Currado married Mario's daughter and made a name for Vietti's single-vineyard Barberas and Barolos. Alfredo was responsible for bringing the native Piedmont varietal, Arneis, into production as a varietal wine. In 1990, their son Luca became winemaker after working at California's Simi Winery, Opus One, Long Vineyards and Bordeaux'sMouton-Rothschild. Luca has been instrumental in expanding Vietti's vineyard holdings in Barolo, and today owns land in all 11 communes.
Follow Black Tie and Flip Flops on Twitter at @BlackTieFF, Like Us On Facebook, or email us at BlackTieAndFlipFlops at Gmail.


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Germany's Elbe river is featured with a cyclotouring track on all its length (from the source in Czech Rep to the firth in Hambourg). The most photogenic portion is perhaps the section from Pötzscha to Bad Schandau, in the heart of the region named the Saxon Switzerland, where it crosses the Sudetes to make its way north, between impressive sandstone cliffs.
Amongst them the famous viewpoint of Bastei with its suspended bridge, where cliffs overlook the river over 300m of height. We rode a portion of about 20km with the baby-trail, a perfect ride with such gear.
To add to the spice, it is necessary to cross from one side to another. Ferry boats operate, for a very modic sum, and it makes more fun to the trip.
The ballet of the Steamboats and colorful villages give a certain taste to this region of ex-DDR, which totally finished to erase the scars of the past to get back its coquetry of before.
The path seems extremely popular given the amount of cyclers, and I was really impressed by the infrastructures for biking (marking, accomodations all long, real bike-oriented tourism).
Trail Description
Dresden Picasa Album), however the portion before Pirna is not located in the mentionned gorges of the Elbe.
From Pötscha we ride in the direction of Rathen. On the opposite shore of the Elbe river we can admire the impressive cliffs of Bastei which overlook the river from 300m of height. There is a ferry to Bastei but we don't need it for our cycle ride. Just note that there is also a ferry from Pötscha to Stadt Welhen, which allows those willing to visit Bastei to do this portion of the tour on the opposite shore too. But from Rathen we can ride only the south shore.
After Rathen, the Elbe heads South in the direction of Königstein. We cross a railway and pass the village of Strand, with beautiful houses. Königstein appears, with its fortress perched on a rocky hill. One can visit it, but it involves a severe climb by bike out of the bike path.
In Königstein the trail switches to the opposite shore, and unless one is willing to follow the narrow main road with lots of cars, it is necessary to wait some 15mn that the ferry transports you and your bike to the opposite side. I think it costed around 2 or 3€, with return, which is more than affordable. In the high season and sunny week ends the boats are packed with tourists and the time all people get in, out, pay, park and unpark the bikes, is actually much longer than the time it takes to cross the river.
From Königstein the trail finished its wide S, and heads East again. There is a long portion under the forest, then we cross the village of Prossen. We finally reach the town of Bad Schandau, which, as it names tells, is a spa. Beautiful houses and villas. The promenade on the Elbe shore is gorgeous and very popular, but don't forget to have a look to the old centre and the park behind.
We turned back in Bad Schandau since we didn't go very fast with the baby trail. But during a day ride, one can reasonnably make it much further. After Bad Schandau, the Elbe gorges are continuing, still overlooked by impressive sandstone cliffs. Schmilka comes some kilometers further, and as the Elbe heads South we reach the Czech border. Just after the border is located Hřensko (Herrnskretschen in German), which is the trailhead to a very famous natural monument, the natural rocky bridge of Pravčická Brána (Prebischtor in German). One can ride up the road till the start of the forest path and lock the bike there, as many people do. A much better option than for those who get there by car, since the road is closed to cars.
Continuing south still, one can make it to Děčín, beautiful town, or, assuming the cycler doesn't have to make the way back, perhaps till Ústí nad Labem, the south end of the Elbe gorges.
Getting There
The part of the Elbe Radweg located into the Elbe gorges starts at Pirna, however one can even start from Dresden (or even Hamburg !)
The ride is also possible (and very popular as well) from Czech Republic. From Prague, one must drive to Děčín, which is the other end of the gorges of the Elbe river ("Labe" in Czech)
View Larger Map
View Larger Map
When to Bike
All year, except when there is snow, or when the Elbe is overflooding (some parts of the trail are just at the shore level, and can be in the water after heavy rains. Some ferries might not operate also)


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Topic Page: Dresden
City on the River Elbe, capital of Saxony state, SE Germany. First settled by Germans in the early 13th century. It suffered almost total destruction from Allied bombing during World War 2. Dresden china, famous since the 18th century, is in fact manufactured in Meissen. Industries: optical and precision instruments, glass, chemicals. Pop. (1999) 477,700.
Capital of the Land (administrative region) of Saxony, Germany, lying in a wide basin in the upper Elbe Valley; population (2003 est) 473,300. An industrial and cultural centre, and a large inland port, Dresden was a district capital within the former state of East Germany, the German Democratic Republic, and became a state capital within the Federal Republic of Germany. Products include precision and optical instruments, computers and office machinery, electrical transformers, radio and electrical equipment, and musical instruments; flowers and shrubs are grown for export, and telecommunications and high-tech industries are also important. Ranked as one of the world's most beautiful cities before World War II, with a rich architectural and cultural heritage, it was devastated by Allied carpet bombing in 1945; much rebuilding has since taken place, and the city has become an important tourist destination.
Dresden was originally a Slavic fishing settlement called Drezdane. From 1485 until 1918 it was the residence of the dukes, then the electors, and later the kings, of Saxony. In the late 17th and 18th centuries the city became an important centre for European policy, culture, and economy. Under the elector Augustus II the Strong (1694–1733), Dresden became a centre of art and culture, and an outstanding showcase of baroque and rococo architecture. The manufacture of Dresden china, started in Dresden in 1709, was transferred to Meissen in 1710. In the late 18th and early 19th centuries it was a leading centre of the Romantic movement, and in the late 19th and early 20th centuries it was a centre of German opera. During the Napoleonic Wars the city was the scene of the Battle of Dresden in 1813. The city was bombed by the Allies on the night 13–14 February 1945 in a massive air raid in which 2,600 tons of explosive and incendiary bombs were dropped, creating one of the worst firestorms of World War II. About 20 sq km/8 sq mi of the city were devastated, and deaths were estimated at 35,000–135,000. Following the reunification of Germany in 1990 Dresden once again became capital of Saxony.
Features Dresden is known for its baroque buildings, some of which are still in the process of restoration. Work has begun on the rebuilding of the once domed 18th-century Frauenkirche, the first large Protestant church in Germany, destroyed in the 1945 bombing; it is to be rebuilt from its own rubble in time for the city's 800th anniversary in 2006. The city's cultural attractions include the restored 19th-century Semper Opera House, the home of the Dresden State Opera, and the Zwinger Palace (1710–32). The city has a University of Technology, two internationally renowned orchestras, the Staatskapelle and the Dresden Philharmonic, as well as numerous theatres, art galleries, museums, and churches.
Festivals A Chamber Music Festival is held in August each year, and a Festival of Contemporary Music is held in October.
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Full text Article Dresden
A city in eastern Germany that was destroyed by bombing during the Second World War. It was formerly one of the world's most beautiful cities,...


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My goodness, my guinness
by Katie Gotta
When I think of Ireland I think of beer. Good beer. And most of that reflection comes from the worldwide phenomenon that lies within the brand Guinness. While one of the oldest brewing companies in the world, it has been able to sustain incredible worldwide fame and to this day remains as one of the largest brewing companies in the world. People come from all walks of life to visit the St. James Gate Brewery in Dublin, and today I was lucky enough to be not only be able to walk through the famed gates but learn what exactly makes Guinness so special.
The best part, and the heart of Guinness' overall marketing campaign has come from the "perfect pour", a 6 part step system used to perfect the pouring to make what makes Guinness taste so damn good. According to Guinness this pour takes 119.5 seconds to create, but boy is it worth it.
Step 1: Choose the perfect glass
The first step is obtain a specially curated Guinness labeled glass with a tulip shaped body to enhance the flavors (and prove to the world that you're drinking Guinness).
Step 2: Pour at a 45 degree angle, nothing more, nothing less
Step two is to hold your glass firmly at a 45 degree angle. To do this we were given the cheat to line the top of the small Guinness harp up with the tap and pull the tap handle fully down to ensure an oven dispense.
Step 3: A perfect pour
The third step is to pour and slowly straighten the glass, stopping once the beer has reached the Guinness label near the top of the glass
Step 4: Wait.
The fourth step is the hardest, as it involves setting the beer to the side to allow it to set fully. This is to ensure that the flavor gathers and that the creamy top that Guinness is known for manifests at the top of the glass. Those 20 seconds felt like a lifetime when all I wanted was a sip of my (soon to be) perfect Guinness.
Step 5: Fill that baby up
Step five is to fill the remainder of the glass by pushing the tap away from you and filling to just over the brim of the glass.
Step 6: Present confidently and enjoy!
The sixth step is to present your perfect Guinness to whomever may be receiving it (always with the Guinness label facing out because, ya know, Guinness) and enjoy!
(Optional) Step 7: Get your clovers ready
Step seven may be optional, but it tops off the (nearly) perfect Guinness by creating a small four leaf clover in the foam of the Guinness pint. This can be done by creating a first figure eight and following that down just a bit to create another figure eight, making a perfectly symmetrical 4 leaf clover. Unfortunately for me, I didn't get an hour to play around with creating the perfect pint so I never got to try it out, but the bartenders in the gravity bar got them spot on.
The Guinness tour was something I had been looking forward to the entire trip and to be able to see the masterminds and the behind the scenes of the process that goes into creating a perfect Guinness and an incredible brand was remarkable to see. Can't wait for the many more perfect pints of Guinness in my future!


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Manchester is a city of firsts and a hub of innovation. The Christie shines like a beacon in the city's proud life science heritage, as Europe's largest single-site cancer centre, delivering world-first breakthroughs for over 100 years.
A vanguard in the NHS, The Christie is the first specialist hospital to be rated 'outstanding' twice by the UK's independent Care Quality Commission (CQC) and is accredited by the Organisation of European Cancer Institutes as a comprehensive cancer centre.
It is this recognition of The Christie's relentless ambition to innovate, alongside its impressive performance in improving patient outcomes and experience, that inspires healthcare organisations from around the world to partner with The Christie and attracts international patient referrals to its dedicated private care facility.
The Christie is a trusted organisation with a proven track record of successful partnership working, offering bespoke packages of expert oncology advice, education and training, alongside high profile research opportunities, across a range of specialisms.
Follow us on Twitter: @TheChristieIntl
微信: ChristieNHS


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Life is so wonderful and full of joy in each day that we live. Have fun and enjoy the true meaning of life together with your loved ones and friends because it is a gift from God to treasure.
Tuesday, November 17, 2009
Time Travel Solution
I have not really though that a time machine or some people are very interested in pursuing it. I was wrong they do exist and I just found a website, actually it is a forum where they talk about this very innovative invention. The forum is the HDRKID Time Travel Forum. Their forum is pretty interesting though because they talk about time travel solution and their community is growing. Members keep popping in and becoming a regular posters in the forum that helps some other posters learn more from somebody's expertise when it comes to this very innovative time travel solution. They give points and insights on a particular problem and everyone is very participative and contributes their knowledge. Check it out!
Posted by addyforest at Tuesday, November 17, 2009
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Animal Blue Cow Hooded Towel 100% Cotton
Write a review
| Ask a question
Super cute animal hooded towel that your little one will love to use after bathtime.
- Hooded towel with an animal pattern on the hood.
- Funny towel for your child.
- Made of 100% organic cotton.
- Soft for your child's skin. Comfortable to use.
- Machine washable.


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If you are unable to complete a class, it is your responsibility to withdraw formally.
The Texas Education Code 51.907 limits the number of classes a student may drop in their undergraduate career to no more than 6 classes, unless your drop reason qualifies as an exception.
Once you have accumulated 6 non-exempt drops, you cannot drop any other classes with a 'W'. Therefore, please exercise caution when dropping a class in any Texas public institution of higher learning.
Before you drop a class consider talking with your instructor about options and/or discuss it with your advisor.
To drop a class online, go to eConnect or fill out the Drop Request Form.


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Unfortunately the Young Justice 2-Pack action firgure pre-order has been canceled because the pre-order goal was not reached. I posted the response from Matty Collector:
Thank you to Davey P. for the information.Toy Fans,Like you, we're huge Young Justice fans. We watched the thermometer on the Miss Martian/Superboy 2-pack in the hopes we'd reach our production goal. The pre-order period was extended to 8/31 but even with the extension we didn't hit the target so we won't be going forward with producing the 2-pack. If you pre-ordered, look for your credit card refund in the next 7 business days.This doesn't mean the end of our beloved Young Justicecharacters! We did hear from many fans that they'd love to see these characters in other lines (like DCU 6" in comic-book style). We don't have anything to announce right now, but we're always looking to make the best product possible and deliver what fans want!–Matty


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1981: Autumnal on the nose with a leafy, earthy character and a light green streak, but this is perfumed and quite attractive with a Bordelaise complexity. A...
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Today, Merlot is seeing something of a restoration of its reputation. With less bad Merlot on the market, consumers can finally begin to understand not only...
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$15.4923% offBouchard Pere & Fils Beaune Beaune du Chateau Rouge 2010
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Junk Car Towing Near Me
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We are a local family-owned towing company that prides ourselves on fast, courteous, reliable and reasonably priced towing services. We are licensed, bonded .
At You Call We Haulâ"¢ we specialize in junk car removal and can help you sell your junk. Free Towing. Recently Sold 1999 Dodge Ram in South China, ME.
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Top cash for junk cars Rochester NY: Sell your old and unused junk car for cash in any condition. We will come to you and pay you cash to buy your junk car.


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Statements on this website have not been evaluated by the Food and Drug Administration. Products are not intended to diagnose, treat, cure or prevent any disease. If you are pregnant, nursing, taking medications, or have a medical condition, consult your physician before using our products.
The information provided on this site is for informational purposes only and is not intended as a substitute for advice from your physician or other health care professional or any information contained on or in any product label or packaging. You should not use the information on this site for diagnosis or treatment of any health problems or for prescription of any medication or other treatment. Always consult with a healthcare professional before starting any diet, exercise program or dietary supplements. You should not stop taking any medications without first consulting your physician.
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Leveraging Assessment to Tell Your Story
The Virginia Assessment Group and Educational Testing Service are proud to sponsor the launch of a new professional learning community. Designed for HBCUs, this IE Symposium will bring together faculty and administrators with assessment responsibilities or oversight. This symposium will contribute to the development of a professional learning community for HBCUs around the assessment and understanding of institutional impact on the teaching and learning process.
As a pre-conference event to the Virginia Assessment Group Annual Conference, the symposium will begin with a structured session on describing your current infrastructure for conducting assessment work. From there, we will review and discuss the areas of your assessment processes that are going well and those that could use extra resources. This review will be followed by a presentation and discussion of resources available to assist you and your institutions.
Colleagues will work together to create the goals and directions for the development of a learning community for ongoing support, sharing, and celebrating your stories.
Come build your peer network while developing the best strategy for leveraging assessment
to tell your institutional effectiveness story.
Symposium Goals
- Provide professional development for assessment leaders at HBCUs
- Identify ways assessment can be leveraged to illustrate the strengths of HBCUs
- Share resources for improving assessment practices
- Identify opportunities for collaboration and continuous engagement.
Dr. A. Clifton Myles
Associate Vice Provost for Institutional Effectiveness, Planning, and Learning at Wiley College
Dr. Javarro Russell
Senior Assessment Strategist at Educational Testing Service
Dr. Willie L. Todd, Jr.
Provost and Vice President for Academic Affairs at Wiley College
Dr. Sasha Johnson
Assistant Vice Provost at Wiley College
Who Should Attend the Symposium
Faculty members and administrators with assessment responsibilities. Campus teams and colleagues with a range of institutional knowledge are encouraged to participate.
2018 Virginia Assessment Group Conference
The Symposium will be held as a pre-conference event for the Virginia Assessment Group's annual conference. Symposium participants are encouraged to register for and attend the conference to share, learn, and network. Information about the conference can be found at 2018 Virginia Assessment Group Conference. Registration for both events will open August 1, 2018.


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The New York State Police is investigating a recent crash that occurred in Genesee County. Negligent driving is one of the most frequent causes of car accidents. According to a preliminary report, a witness called 911 shortly after 6:15 p.m. to report a collision at an intersection on State Route 33.
Car accidents: Fatal crash follows disregard of stop sign
Premises liability claims can follow assault and theft
Property owners in New York must ensure safe premises for visitors. Owners of accommodation and hospitality facilities, shopping malls and other places that welcome public access must take reasonable steps to protect visitors from harm. Along with eliminating slip-and-fall hazards and making sure stairwells are brightly lit, security to prevent assaults and thefts is also the responsibility of property owners -- that is if they want to avoid facing premises liability lawsuits.
Wills: How to avoid heirs challenging your last wishes
When it comes to the last wishes of New York residents, those wishes might not always be honored, or they may be challenged. Advisers suggest people take steps to draft bulletproof wills. They say because people live longer and second or third marriages are prevalent, many branches get added to the family tree -- some of which might expect to feature in a will. There might even be some of those who are prepared to fight for a piece of the estate.
Medical malpractice claims can follow anesthesia errors
Patients in New York and every other state expect to leave a hospital in better health than when they were admitted. However, the potential for errors is present in any medical process. A significant number of medical malpractice lawsuits follow mistakes made during anesthesia. One of those involves incorrect dosing of medication, which has been found to result from inexperience, unfamiliarity to devices or equipment, inattention, carelessness or haste.
Living trusts require revisions to keep them current
New York residents who have established estate plans might find comfort knowing that their living trusts are in place to manage their estates while they are alive and after they die. However, with passing time comes life's changes and events, some of which might affect a living trust. For this reason, occasional reviews of trusts are crucial.
Premises liability lawsuit follows painter's fall
When stepping onto someone else's property in New York or elsewhere, whether for shopping, working or another purpose, one would expect it to be free of hazards that could cause personal injury. However, judging by the many premises liability lawsuits that are filed every year, not all property owners take proper care. A painter in a neighboring state recently filed such a claim against five individuals and entities deemed responsible.
Fatality caused by flying tire might lead to wrongful death claim
For the second time in a month, a New York motorist was killed by a tire that flew off another vehicle. About a month ago, a man was struck by a tire as he was driving in East Babylon on Sunrise Highway. Then, on a recent Wednesday, another driver died in a similar manner while he was driving on Gowanus Expressway, and a wrongful death claim might follow.


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"Anytime you can help people and make a living, that's a good thing." - Marc Heflin
My great grandfather, John Heflin, Sr, was born in 1917 into a poor family in Louisiana. He had an abusive, alcoholic father and at least 8 brothers and sisters. Most days he didn't know where his meals were coming from or if there were going to be any at all. He never went to college and he basically raised himself and his siblings, but he managed to accomplish things that others deemed impossible.
John decided to travel up to Arkansas with only a gourd as a suitcase. He had endlessly been trying to find work when he was hired at Terminix in 1938. He slowly made his way up in the branch he worked in, now located in Hot Springs Village, until he became the manager and made astonishing waves in the pest control industry.
Prior to my great-grandfather, JJ, termite control and pest control were separate entities you couldn't purchase or get treated together, which was a major hassle. His branch of Terminix was the first to offer both termite and pest control in the whole industry. He eventually was given the opportunity to
buy ownership of different branches of Terminix, and he jumped at the chance.
As the years went on, the branches of Terminix under JJ's control had great statistics in customer retention, which goes hand-and-hand with customer satisfaction. JJ's son, Johnny (who is my grandfather), even joined the business, along with his two sons Marc, my dad, and Jay. Johnny would get to the office early and leave late. "You can't ask your employees to come early and leave late if you aren't willing to do it." My whole family was dedicated to building Terminix.
Tragedy struck when JJ died May 1st, 1999, the day I was born. Terminix was already trying to buy back ownership so my family decided to sell all of their ownership except the branch in Hot Springs Village. When they sold everything, they had to sign a 10-year non compete because Terminix was scared that they wouldn't keep their customers after a 5-year non compete because of the loyalty so many people had towards my family.
During those 10 years, my family started another business called Bird and Bear Companies. B&B Co. was a medical supply company, even though my family knew very little about this particular industry.
My thought process as to why they created this company led me to believe that they wanted to help people by selling and transporting medical supplies and machines, but they were really just waiting for the ten year non compete to run out, which it did in 2009.
In 2009, Legacy was established by founders Marc Heflin, Jay Heflin, Chris Maloch, and Juan Carlos Perez. Even though these men are the founders, they still crawl under houses, evaluate houses, and do other things many CEOs wouldn't dream of.
Even though I don't necessarily see myself becoming a fourth generation pest management professional, my family's story has led me to have an interest in business because it can change lives.
John Heflin, Sr. grew up poor with abusive parents and no foreseeable future until he took things into his own hands. Since he never knew if and what he was going to eat growing up, he gave to the Food Bank because he never wanted anyone else to have to feel that pain. He used his success in business to help others, and that is truly inspiring.
Most of the guest speakers for Noble 201 agree about the importance of being passionate about what you're doing, but they all have different requirements for what it means to be successful. Some speakers say that "education isn't the (sole) way to start a business," (Jordan Carlisle, co-founder of Strengthen app), while others, like Propak founder and Nobel Impact chairman Steve Clark, stress that experience got them where they are today.
Below is a look at what I've gleaned from Noble 201's guest speakers and their philosophies on success. In short, having experience, a problem, and passion seem to be the basis for forging a pass towards success.
Experience Is Key
While all of the speakers fully encourage going to college and talk about how it can be beneficial in a person's life, they emphasize that college is not necessary to success. Jordan Carlisle and photographer John David Pittman are two examples of speakers who went to college, got degrees in a certain area, and went on to have successful careers in completely different fields.
When serial entrepreneur and Arkansan Steve Clark says that he became successful because of his experience, he isn't necessarily talking about going to college and getting a degree just to get a degree. The meaning I extracted from Steve Clark's Q&Aat the Arkansas Fellowship speakers series event, which Noble Impact students had the opportunity to attend, was that you need to have education, or experience, in what you are doing. That doesn't necessarily mean college.
Solve A Problem
Although there are disagreements on other "requirements" for success, every guest speaker agrees, finding a problem is key to being successful. You can't think of a solution to address a problem if you don't identify the problem. Additionally, Steve Clark brought up the point of having the mindset of solving for "x," and to "see a problem, fix a problem."
Human-Centered Design, an approach taken by design firm IDEO, adds to this thought — it's a concept we are highlighting this year in Noble. You have to identify a problem and form the solution based on what the community around you desires. This is extremely important in being successful, because if you create a solution, but no one finds it desirable, you won't find success. In fact, CB Insights says that the top reason startups fail (42% of the startups they analyzed) is because there is "No Market Need."
However, Jeston George made the point that sometimes people don't know what they want. His business, Apptegy, which the Noble 201 scholars visited, helps schools update all of their social media platforms at once in an effort to keep everyone up to date. His original idea was to create an app for schools to communicate with parents, however, no school wanted "another thing to update," so George created a solution that schools didn't know they wanted.
Passion Or Pass
Another debatable "requirement" for being successful is passion. Almost all of the speakers have become successful in something they are passionate about. Personally, I agree with Anita Roddick, who wasn't a guest speaker, but who is a very successful businesswoman and founder of The Body Shop, who says: "To succeed, you have to believe in something with such a passion that it becomes a reality."
The Merriam-Webster dictionary defines success as "the fact of getting or achieving wealth, respect, or fame; the correct or desired result of an attempt; someone or something that is successful, a person or thing that succeeds."
Despite being different than the set definition of success, I think Steve Clark says it best: "Success is being able to do what I want, when I want, with who I want."
Success is what you make it, so make it good.
Steering Arkansas: An Initiative
What Is Steering Arkansas?
Steering Arkansas consists of three sophomores attending eStem High School in Downtown Little Rock. When our EAST class and Noble 101 class collaborated, we were given the challenge of making a change in our educational system.
Since we are all approaching driving age and getting our permits, we felt that a comprehensive Driver's Education course would be a beneficial addition to our high school curriculum. In an effort to see this become a reality, Greta Kresse, Austin Ashley and I created Steering Arkansas as a method to inform and to advocate for a more thorough education and licensing process for young drivers in Arkansas.
Read about us on the Noble Impact blog here.
Why Does it Matter?
Arkansas is ranked 7th highest in the amount of teen deaths with teen drivers, nationally, at 26.9%. Steering Arkansas wants to provide not only the knowledge of safe driving, but the experience, too. If Driver's Education was required in the high school curriculum, it would allow students to get the required driving time essential for getting a license without any fear.
We are trying to advocate Driver's Ed. for teenagers because we don't want them to become statistics.
What are We Doing?
We are working with experts to find the most economically efficient yet effective way to implement drivers education. This of course, depends on school locations and size. Currently, we are in the grant writing process with State Farm.
We are also researching different solutions and ways to improve our service, so please if you have any ideas, don't hesitate to contact us.
What are Our Goals?
Want to Contact Us?
Grace Heflin, 17 year old senior at eStem High School.
February 2016
Contact me.


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The type of bag that you use when you are heading out will decide on the ease of your lifestyle. If you are willing to live a professional lifestyle with maximum ease. If you areRead more
Month: February 2018
Everything There Is To Know About Hiring Electrical Contractors
Planning to seek help from electric contractors? Here are some things you need to read right now. \r\n How much do you know? There are many things services provided by the electrical contracts either commercialRead more
You Can Hire Professional Woodworkers For Different Jobs
If you are looking to do some renovation work in your home, or you are in need of some professionals for construction of any structure inside or outside the house, or planning to redesign of anyRead more


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Do you live to fish? If you LOVE Fly Fishing, how would you like to live the dream and make it your living? North 40 Outfitters in Ponderay, ID is seeking an experienced and knowledgeable individual to join our Sporting Goods team as a Fly Fishing Associate. As part of our Sporting Goods team, you would be responsible for maintaining outstanding customer service, generating sales, stocking and merchandising product, and safeguarding company assets. In order to thrive in this position, you should have a strong knowledge of fly fishing gear, as well as familiarity with our local waters. If you are an enthusiastic and outgoing outdoorsman/woman with a commitment to providing first class customer service, we want to talk to you!
We offer a fun and rewarding work environment, an excellent benefits package, a phenomenal employee discount, and competitive wages. Position is full-time; North 40 Outfitters is proud to be an equal opportunity employer
-Strong knowledge of local fishing areas
-Full understanding of fly tying and fly casting, etc. A working knowledge of gear fishing, and tackle is a plus
-Passionate about fishing and excited to share about methods, techniques and tips on everything related to fly fishing.
-Excellent customer service and communication skills
-High level of patience and approachability; ability to connect with everyone from expert to beginner fly fishers
-Physical ability to lift and carry 20-50 pounds on occasional to repetitive basis, bend, stoop and climb ladders
-Understanding of correct lifting and loading techniques
-Ability to meet shift availability requirements, including working on weekends and certain holidays, between the hours of 7am to 7pm Mon-Sat and 9am to 5pm on Sundays, with flexibility in scheduling based on business needs.
Additional position details click HERE
Submit resumes to: firstname.lastname@example.com


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Unposed family, maternity, & newborns.
The Short- $200
30 minute Session
up to 4 family members
5 digital-downloads chosen by you, from a gallery of 25+ shots.
Additional images $10 each.
Or download your entire gallery for an additional $50
(Trail, BC Locations only)
The Full- $275
up to 60 minute session.
up to 6 family members.
40+ images all downloadable from an online gallery.
(Locations +30km from Trail, BC are subject to travel fees)
The Mega- $375
up to 90 minute session.
Up to 12 family members.
50+ images all downloadable from an online gallery.
(Locations +30km from Trail, BC are subject to travel fees)
Maternity & Newborn Bundle- $500
2 incredible sessions. 1 great price!
1 Maternity Session (In-Home or Outdoor)
1 Newborn Session (Choose from Fresh 48 or In-Home)
Images from both sessions all downloadable from online galleries.
(Locations +30km from Trail, BC are subject to travel fees)
What is a Kootenay 'Unposed' Family Session?
Unposed sessions are shot as candidly as possible, resulting in images with a relaxed and genuine feel. During your session you will be instructed to interact with each other naturally, telling jokes, playing, and snuggling. Whether the location is a favourite beach, picnic spot, or your own home, the focus is less on everyone looking at the camera and smiling, and more about capturing the heart of your gorgeous family.
Feeling awkward? No problem! I will gently guide the session with casual prompts and instructions to help everyone feel at ease & look their best.
If you are looking for a traditional photo session, where everyone is given explicit direction, perfectly posed, and smiling their hardest (fakest) smiles-- this is not the session for you. But! If you believe that genuine smiles and true connection is infinitely more important than everyone looking at the camera at the same time, then send me an email today.
Wanderlust Photography is a Kootenay Family Photographer.


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"The truth will set you free." Jocko Willink (originally said by Jesus in John 8:32)
The cumulative impact of daily Prospecting unlocks sales success like nothing else. Just like Iannarino and Blount state, "one can't cram fitness." And so it is with filling your funnel. I've found that if I get in 30 minutes of exercise every day I'm alive and 30 outbound touches that my health, mental focus, well being, and bank account will always be in good shape.
The title of this post is the name of an extraordinary book by Jocko Willink, an elite Navy Seal and a black belt in Jiu-Jitsu who led efforts in Iraq. He's the embodiment of iron will, mind over matter, and self-discipline. Now he's Consulting companies on how to change the ground rules on that battlefield.
Sometimes the best books ever written on sales aren't sales books at all.
The precursor to combo mastery is mastering oneself. You must be willing to put in the work, lift the receiver, feel the fear and do it anyway, cold calling right to the CEO!
Jocko wisdom: Don't expect to be motivated every day to get out there and make things happen. You won't be. Don't count on motivation. Count on Discipline. (Iron will). Stop researching every aspect of it and reading all about it and debating the pros and cons of it … Start doing it. (Action bias vs. analysis paralysis). With myself, I have to hold the line. There are areas within myself where I CANNOT compromise. I am going to work hard. I am going to train hard. I am going to improve myself. I am not going to rest on my laurels. I am going to own my mistakes and confront them. I am going to face my demons. I'm not going to give up, or give out, or give in. I'm going to stand. I am going to maintain my self-discipline. And on those points, there will be No Compromise. NOT NOW. NOT EVER. (Work on yourself, master the internal game)
Jocko's podcast and books are an internet sensation after his Leadership TEDx on "Extreme Ownership" and Tim Ferriss features. He reminds us of the simplicity of daily execution. His biggest secret is getting up early and starting every day with the toughest stuff you really don't want to do but know you should like squats.
Where Jocko meets COMBO is fearlessness of calling high on dream accounts. That's hard, do it before 9am. Start every day by lifting that handset. Make calls first, put off email until later.
I've leveraged his principles to lose serious weight on the bicycle in a few months. More importantly, I simply stopped stuffing crap into my mouth… especially carbs and sugar (note that alcohol is sugar). Discipline = freedom. Eat less and move more. I've also used Jocko's brutal truths and wisdom to stay fit and still prospect on the road in several countries.
To create freedom and work/life balance, one must apply enormous Discipline. Although we can never really imagine a true war zone, we can learn from heroes like Jocko.
How do you apply discipline in your life? Does it set you free? How do you apply it in sales?
If you valued this article, please hit the 'like' and 'share' buttons.
We invite you to subscribe to this blog which is free and provides access to all our 'subscriber only' content and a periodic newsletter.
Tony Hughes is ranked as the #1 influencer on professional selling in Asia-Pacific and is a keynote speaker and best selling author. This article was originally published on LinkedIn where you can also follow Tony's award-winning blog. Also, visit Tony's keynote speaker website at www.TonyHughes.com.au or his sales methodology website at http://www.rsvpselling.com/.


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The Silent Holy Stones Watch Online
ResumePremiere : August 14, 1987
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A Heuristic Algorithm for planning personalized learning paths for context-aware ubiquitous learning
Gwo-Jen Hwang, Fan-Ray Kuo, Peng-Yeng Yin, Kuo-Hsien Chuang
Computers & Education Volume 54, Number 2, ISSN 0360-1315 Publisher: Elsevier Ltd
In a context-aware ubiquitous learning environment, learning systems can detect students' learning behaviors in the real-world with the help of context-aware (sensor) technology; that is, students can be guided to observe or operate real-world objects with personalized support from the digital world. In this study, an optimization problem that models the objectives and criteria for determining personalized context-aware ubiquitous learning paths to maximize the learning efficacy for individual students is formulated by taking the meaningfulness of the learning paths and the number of simultaneous visitors to each learning object into account. Moreover, a Heuristic Algorithm is proposed to find a quality solution. Experimental results from the learning activities conducted in a natural science butterfly-ecology course of an elementary school are also given to depict the benefits of the innovative approach.
Hwang, G.J., Kuo, F.R., Yin, P.Y. & Chuang, K.H. (2010). A Heuristic Algorithm for planning personalized learning paths for context-aware ubiquitous learning. Computers & Education, 54(2), 404-415. Elsevier Ltd. Retrieved December 6, 2019 from https://www.learntechlib.org/p/67249/.
This record was imported from Computers & Education on January 30, 2019. Computers & Education is a publication of Elsevier.Full text is availabe on Science Direct: http://dx.doi.org/10.1016/j.compedu.2009.08.024
- Computer Assisted Instruction
- Computer Software
- Computer System Design
- Context-awareness
- Ecology
- educational technology
- electronic learning
- Elementary Schools
- Handheld Devices
- Heuristic Algorithms
- Heuristics
- instructional design
- Instructional Effectiveness
- Interactive Learning Environments
- mathematics
- mobile learning
- Natural Sciences
- programming
- Science Activities
- Science Equipment
- Science Instruction
- teaching methods
- ubiquitous learning
Cited ByView References & Citations Map
Research Highlights in Technology and Teacher Education 2014
Leping Liu, University of Nevada, Reno, United States; David Gibson, simSchool & SITE, United States
(2014) pp. 1–140
Learning Competences in Open Mobile Environments: A Comparative Analysis Between Formal and Non-Formal Spaces
Daniel Dominguez & Paz Trillo Miravalles, Universidad Nacional de Educacin a Distancia (UNED)
Open Praxis Vol. 6, No. 3 (Jul 28, 2014) pp. 235–244
Using Digital Resources to Support Personalized Learning Experiences in K-12 Classrooms: The Evolution of Mobile Devices as Innovations in Schools in Northwest Ohio
Savilla Banister, Rachel Reinhart & Cindy Ross, Bowling Green State University, United States
Society for Information Technology & Teacher Education International Conference 2014 (Mar 17, 2014) pp. 2715–2721
These links are based on references which have been extracted automatically and may have some errors. If you see a mistake, please contact firstname.lastname@example.com.


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Time marches on relentlessly and it eventually shows on our faces. But we attempt to delay this process of aging by concealing the signs with makeup. But many of us do not know how to properly apply makeup as our skin ages.
Here are four simple tips to look your best as your skin ages:
1. Stop using a lip liner pencil. Instead use a stiff-bristled lip liner BRUSH. This will help your lipstick stay and prevent bleeding or feathering of the color around your lips.
2. Apply a loose translucent powder with a good quality powder brush in the morning and don't reapply during the day. Use sparingly as too much powder will actually accentuate the fine lines and wrinkles!
3. Depending on your skin-tone, use a beige-colored highlighter around the jowls to de-emphasize the shadow created by the jowls thereby making them less noticeable. To lessen the appearance of a saggy-neck, use a powder that is slightly darker than the surrounding skin and apply it under your chin. This will create the illusion of a shadow in that area and make it less prominent.
4. Ever been told that you shouldn't use frosted eye shadow if you are over 30? If used properly, frosted eye shadow can actually make you look young! Just don't use a single color over the entire eyelid.
Remember that being subtle is the key!
On the subject of brushes, it is very important that you use high quality brushes as it is evermore important that your makeup is applied evenly.


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In the annals of financial advice, few questions have divided folks more than whether someone who offers professional financial advice is an "adviser" or "advisor."
Trite as it might seem, the debate lives on, possibly because the correct answer is elusive and, in some ways, simply subjective. Those on both sides of the argument are convinced they're right and that the integrity, respectability and internet searchability of the entire financial advice industry rests on a well-placed "e" or "o."
"We spell it with an 'e' because spelling it with an 'o' connotes a soothsayer," said Carolyn McClanahan, founder and director of financial planning at Life Planning Partners. "All the palm readers and tarot card readers have 'advisor' on their signs."
Them's fightin' words to Bob Veres, financial planning industry veteran and owner of Inside Information, a consulting firm for the financial planning profession. "Whenever I see someone spell adviser with an 'e,' I know it's a securities attorney or an industry lobbyist who specializes in the SEC," he said.
Basic grammar
Beyond basic grammar, which deems either spelling acceptable, the battle lines are often drawn around alignment with the Investment Advisers Act of 1940, which locks in the "e" version for some professionals. The flipside of that argument is that there are myriad interpretations of what it means to provide professional advice, which leads much of the industry to favor the "o" version.
"I'm high compliance, so if I'm a regulated individual or firm, I'm going to use the same spelling as the regulators use, which means spelling adviser with an 'e,'" said Bill Winterberg, founder and president of FPPad, a financial services industry technology consulting firm. "Don't unnecessarily confuse things; just use what the SEC uses and move on."
For his part, Michael Kitces, partner at Pinnacle Advisory Group, opts to straddle the fence with a policy that doesn't contribute much in the way of a resolution, but it does provide some enlightenment on the rift.
In his blog, Nerd's Eye View, Mr. Kitces spells adviser with an "o," "to describe the general label of financial advisers."
But he spells it with an "e" "anytime we're talking about investment advisers legally registered as such or the Investment Advisers Act or being a registered investment adviser, because that's the actual legal term."
There is no debating that in creating the Investment Advisers Act of 1940, the word was spelled with an "e."
Ditto for RIAs, which are defined in the Act as a "person or firm that, for compensation, is engaged in the act of providing advice, making recommendations, issuing reports or furnishing analyses on securities, either directly or through publications."
Regulatory history
Thus, for reasons tied to regulatory history, some have opted for and are sticking with the "e" version.
"The SEC and members of Congress, when they were looking at this back in 1937, used the 'e,' and folks who identify with the history of advisers identify with spelling adviser with an 'e,'" said Karen Barr, president and chief executive of the Investment Adviser Association.
"Adviser with an 'o' sounds a little more squishy, if you ask me," she said. "But the lines have blurred, and what was clear in 1940 is not clear today, because there has been a lot of branding around adviser with an 'o.'"
The Financial Planning Association is also in the "e"-version camp, "because we follow the SEC spelling," said spokesman Ben Lewis.
Clearly, the rest of the financial advice industry is less concerned about following naming convention set by regulators. The vast majority of broker-dealers, custodians and mutual fund companies prefer the "o" spelling.
"We spell it with an 'o' and have been for 20 years, and I don't know why that is," said Tom Nally, president of TD Ameritrade Institutional.
Fidelity Investments spokeswoman Kate Taylor could only confirm that they have been spelling it with an "o" "for a while; it's reflected in our product naming."
In the published English language, the "e" version has a history dating back to well before 1800, while the "o" version started showing up only around 1900.
And usage of the "e" version spiked around the time Congress was writing the Investment Advisers Act in the late 1930s.
But since that peak, published usage of the "e" version has been trending downward, while usage of the "o" version has been climbing to the point where both versions are about equal.
Mr. Kitces, who produced a video last summer analyzing the two different ways to spell adviser, theorizes that the growth of the "o" version reflects a trend toward a more formal act of providing advice.
But there are other theories.
"Technically, either way is correct, but it can matter depending on the context in our industry," said Amy Lynch, president of FrontLine Compliance.
Ms. Lynch, like Ms. Carr of the Investment Adviser Association, believes at least part of the popularity of the "o" version can be tied to the migration by brokerage reps away from pure commission-based sales and toward more holistic financial planning.
Brokerage firms
"Whenever brokerage firms or independent firms refer to their financial planners or reps, they typically refer to them as financial advisors with an "o," Ms. Lynch said.
From Ms. Barr's perspective, the migration of brokerage reps into the financial planning business also fueled the popularity of a host of monikers along the lines of financial consultant, financial planner and wealth manager.
"People use all those terms to hold themselves out as a trusted adviser for their clients, when in fact they're not legally obligated to act in the best interest of their clients," she said. "I think the debate over spelling adviser with an 'e' or an 'o' is emblematic of a larger issue, in that people cannot tell the financial professionals apart, even though they have different services, duties and operate under different regulatory requirements."
The Associated Press Stylebook, which has long been considered the bible of American journalistic writing rules, considers the "e" version correct. That's why InvestmentNews has long favored "adviser."
But, according to both the Oxford and Merriam Webster dictionaries, either spelling of the noun is acceptable.
It turns out most financial advisers probably weren't thinking about grammar or style when they embraced one spelling over the other.
Jonathan Swanburg, investment executive at Tri-Star Group, said that the spelling had been debated within his firm, and that the "o" version won out because it seemed "more appropriate when describing an expert acting in a professional capacity."
The "e" version, he said, "is better when describing someone acting in a nonprofessional capacity."
But neither history, legality nor the way the word rolls off the tongue was top of mind for Kathryn Hauer when she was helping to launch Wilson David Investment Advisors in 2014.
"I don't think there's a right or wrong way to spell it, but we were concerned about the best way because we wanted to get picked up in more internet searches," she said. "We went around and around with it, and decided to spell it with an 'o' because it seemed more accepted, and we wanted the best keyword for more social media stuff."
If the goal is search engine optimization, the "o" version is the current favorite.
A measurement of Google searches over the past three years for both "financial adviser" and "financial advisor" shows between 1,000 and 10,000 average monthly searches for financial adviser, compared to between 10,000 and 100,000 for financial advisor.
|Search terms
|Feb 2015 - Feb 2016
|Feb 2016 - Feb 2017
|Financial advisor
|Financial adviser
Even so, that's not enough to convince proponents of the "e" spelling to switch sides.
"If you're spending hours at your firm trying to squeeze some kind of benefit out of search engine rankings, you shouldn't be a financial adviser, you should be a search-engine guru," Mr. Winterberg said.