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Upmqua Northwoods Ninja Musky Flies
By Umpqua
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The Northwoods Ninja by Dave Ballok is an articulated, 10 inch long fly designed and tied for fly fishing muskies and pike. The untrimmed head pushes water to attract fish and creates turbulence behind it to make the materials swim. The fire tiger color pattern is a classic staple for a number of predators and has a huge history of success in pike and musky fly fishing. When searching for large musky flies, especially fly fishing fall muskies, the Northwoods Ninja from Umpqua is an excellent choice. 2-5/0 hooks


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Butterball confirms Duplin Co. employee death
Published: May. 8, 2020 at 12:08 PM EDT
Butterball has confirmed the death of a person who worked at its Duplin County plant.
A company spokesman said they were informed Thursday "of the sudden passing of a valued team member at our Mount Olive plant, but have not been informed of the specific cause," a statement read.
Company documents obtained by WITN two weeks ago showed that 52 employees at the plant had tested positive for the virus.
Butterball says there are cases of coronavirus at the plant but will not say how many.
Duplin County now has 180 confirmed cases of the virus and three of those are now fatal cases.

subset: commoncrawl


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In a context of industrialisation and growing urbanisation, the public is faced with new issues. Pollution, the rhythm of urban life or even stress are exhausting and impact directly on beauty and moods. In the last ten years, the cosmetic market for anti-pollution has exploded. Protecting against pollution has become a claim of success. In this context, symbolizing renewal and the return of spring, peach flower has revealed all its power against pollution. Phytessence Peach flower is the anti-asphyxia solution to fight against the harm of pollution. Tests have shown that Phytessence Peach Flower protects the skin from suffocation (by helping to slow down the production of cellular waste), and fight against oxidative stress induced by atmospheric pollution (PM). Prevented from damage caused by pollution, skin stays radiant, young and healthy.
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CITE JAPAN 2021オンライン企画:Crodarom Cider VinegarとアップサイクルについてJapanese | 22 Jun 2021 | 25 mins
Power Hour with Sederma - Menopausal Women: Redefining their Beauty!English | 1 Jul 2020 | 40 mins
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I Love Seafood
Anyone who knows me well also knows I love seafood. I found a great deal of amusement in this story. It started 2 days ago. Apparently a 22-pound lobster was saved from being someone's dinner and it was to be sent to an aquarium instead. Initially the funny part was that it "boiled" down to a case of P.E.T.A. vs P.E.T.A.:
People for the Ethical Treatment of Animals sent Wholey a letter asking him to work with the group to release Bubba back in the Atlantic Ocean off the coast of Maine.
Another group calling itself People For Eating Tasty Animals reportedly offered Wholey a hefty price for the lobster. At Tuesday's price of $14.98 a pound, Bubba would retail for about $350.
As I was dreaming about how that lobster might taste, I received the news that Bubba the Lobster died. But that made me more perplexed. Now that the animal was dead, would it be ethical to eat it? Why waste the meat? Or they might as well make some money and donate it to perhaps some sort of "Lobster Lobby" or something? Imagine 15" inch long claws. Mmmm...
Ahh but the good men of science came up with a better idea. Use the shell for display and try to determine the cause of death. I rest so much better knowing that people care so much for the comforts of animals.


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ROCK N' AIR - Amethyst Gold Dipped Cluster With Air Plant
ROCK N' AIR - Amethyst Gold Dipped Cluster With Air Plant
Sale Sold out
Regular price $35.00 USD
Regular priceUnit price per
Sale price
Amethyst are known to bring a meditative and calming vibration to any space.
The air plant is perched on a delicately wrapped gold wire on the edge of the stone. The plant can be easily taken in and out of the wire to water.
Like humans these crystals and plants are an original. Each one of them will look very different from one another. They truly are one of a kind so please expect some variations.
3-4" W x 2-3" L x 2" H -Stone
2-3" H and 2" W - Plant


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Mitsubishi, Daimler + Tesla, Audi, McLaren, Bugatti, Hyundai.
Mitsubishi to serial produce eX: The Japanese will launch the electric SUV eX Concept shown in Geneva. According to Autocar, the compact offroader will be available with a range of 400 km from 2020. Despite being fitted with an all-wheel electric drive, pricing is said to be similar to the combustion engine variant.
Daimler and Tesla go separate ways: Daimler will no longer get the battery and drivetrain for the next-generation B-Class Electric Drive from Tesla, German Automobilwoche reports in their print edition. Daimler says, it can "supply itself without a problem in the future."
wiwo.de (in German)
Audi to go H2: The H-tron Quattro concept currently on display in Geneva will go into serial production, Audi's chief engineer Stefan Knirsch confirmed in an interview with Top Gear. The only question is when and the answer not very promising; there need to be enough hydrogen filling stations, says Knirsch. So it could be while…
McLaren update: The British manufacturer confirmed a relaunch of its current 650S and 675LT. The code-named P14 is said to feature a V8 and an electric motor. A first version could be shown in Geneva next year. McLaren only recently announced 15 new models by 2022 – half of them with hybrid drivetrains.
caranddriver.com, autoevolution.com
Electric sedan from Bugatti? Only a few days ago, the VW luxury brand took the wraps off the expensive and powerful Chiron, boasting a hybrid drive with a combined 1,102 kW (we reported). And Bugatti CEO Wolfgang Dürheimer is already pondering his next move: a four-door sedan, possibly purely electric.
Hyundai's secret plans: According to media reports, the South Korean in working on a single-seat EV and electric scooter. Unfortunately, no details have been revealed, nor has Hyundai confirmed the plans. However, considering the popularity of small EVs and electric scooters in Asia, the idea is not too far-fetched.
autoblog.com, reuters.com


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Part of the fun of Marx Brothers' films is Groucho's sarcastic ribbing with a rich dowager figure, a joke-filled interaction that reappears in seven films, including the classics Duck Soup, A Night at the Opera, and A Day at the Races. The actress was Margaret Dumont, sometimes called the fifth Marx Brother. Born in 1882, she was in her fifties when she played these famous roles.
In all the films, Dumont was the straight woman for Groucho's jokes, many of which had to do with her size. Here is one exchange from Duck Soup (courtesy of Wikipedia):
Dumont: I've sponsored your appointment because I feel you are the most able statesman in all Freedonia.
Groucho: Well, that covers a lot of ground. Say, you cover a lot of ground yourself! You'd better beat it; I hear they're going to tear you down and put up an office building where you're standing!
To facilitate the jokes, Dumont dressed to emphasize her size, sporting tight and often shiny dresses clothes that made her look larger than she was. The bigger she appeared, the more fun Groucho had knocking her down.


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Events for December 24 2015
- 24
- Contemplative Christmas Eve4:00 pmAll are welcome. Come experience an hour set aside for quiet reflection on the heart of Christmas. While a warm fire snaps in the hearth, let the subtle light of flickering candles, live violin and flute music and special readings deepen your connection to the gift and wonder of Christmas. Get away from the rush and bustle of the holiday season and receive this rich offering in one of the oldest houses of worship in Lancaster County, Sadsbury Friends Meeting, 1089 Simmontown Road (1/2 mile East of Rte 41), Gap, PA. This special Christmas Eve service (December 24) is from 4-5 pm. Stay afterwards for refreshments, hot chocolate, hot mulled cider and fellowship. If you have any questions please feel free to Contact Sadsbury Friends Meeting at firstname.lastname@example.com Or call 484-985-0454
- Contemplative Christmas Eve4:00 pm


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© 2023 MJH Life Sciences™ and Nutritional Outlook. All rights reserved.
Anthony Finbow is CEO at Eagle Genomics. The company, headquartered in Cambridge, UK, is a pioneer in applying network science—particularly linked to the microbiome—to biology. Its award-winning, trademarked AI-augmented knowledge discovery and analytics platform, e[datascientist], helps companies looking to innovate with next-generation food, personal care, cosmetics, and agritech products, supported by science. The platform harnesses the latest graph technology and Microsoft's advanced machine learning and cognitive services


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FAMILIES looking for more than chocolate eggs and bunnies at Easter should make their way to Lanarkshire where unusual animals are ruling the roost this weekend.
A Lanarkshire visitor attraction is looking forward to new inhabitants this year, following the surprise arrival of an incredibly large egg – just in time for Easter!
The early Easter egg was laid by a white rhea at Feufield Farm Trust in Symington, Biggar, and is remarkably bigger than the barn eggs which are typically laid on the farm.
Native to South America, a rhea is a relation of the ostrich and a seldom-seen sight in Scotland, but is only one of many unexpected animals which can be seen in Lanarkshire this Easter.
Commenting on the new arrival, Kim Adam, owner of Feufield Farm Trust, said: "Our white rhea, Heather, had been acting up a little of late and we were all very surprised when the egg appeared.
"And even more so when we noticed the size of it! We're delighted to be expecting a new addition to our happy Feufield family that includes geese, goats, rabbits and chicks.
"Feufield Farm is also home to Chilean degus and llamas, which visitors are welcome to come and see any day of the week."
Unusual animals are also a focus at 'Animal Magic' at Palacerigg Country Park in Cumbernauld on Easter Sunday and Monday.
Visitors can enjoy seeing the new born arrivals in the rare breeds collection and come face to face with more traditional farm animals.
From Eriskay ponies and North Ronaldsay and Boreray sheep to Shetland cattle and Scots Grey chicks, children can see the latest baby animals, go on pony rides, watch falconry displays and take part in arts and crafts activities.
Further animal antics can be found in Cumbernauld this Easter at birds of prey collection, World of Wings, Luggiebank.
Children can wander through the free range macaw exhibit, hunt for easter eggs, and have their faces painted as parents sit back and admire some of the largest birds from around the world.
Feufield Farm Trust, Palacerigg Country Park and World of Wings are part of a whole host of attractions that make animals more accessible to the public.
David Carroll, marketing and promotions ,anager for VisitLanarkshire, said: "Easter is the perfect time to visit Lanarkshire, with so many new arrivals to the region offering sights of adorable baby animals which children (and adults) will love.
"There is so much to discover here: from five-star hotels to self-catering cottages and welcoming B&Bs; and from World Heritage Sites to traditional museums and unforgettable experiences. Come rain, shine or that rumoured snow, there is always something to do in Lanarkshire."
For more information about Easter offers and activities throughout Lanarkshire's leading accommodation and attractions, visit: www.visitlanarkshire.com
Images available upon request.
MEDIA RELEASE posted by CM Porter Novelli. You too can post media releases (aka press releases) on allmediascotland.com. For more information, email here.
Contact: Holly Russell or Eleanor Pender
Phone: 0131 470 3400
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Website: http://www.cmporternovelli.com


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Heaven's Gate
Religious Group heavensgate.com
Heaven's Gate was an American new religious movement, often described as a cult. It was founded in 1974 and led by Bonnie Nettles and Marshall Applewhite, known within the movement as Ti and Do, respectively.
Type: New religious movement
Classification: UFO religion
Orientation: Christian millenarianism, New Age, Ufology
Members of Heaven's Gate came through Austin, Texas in the year or so before their mass suicide… the below was the flyer for their free presentation at the Hyatt Regency Austin on Town Lake, scheduled for Friday, February 4th (probably in 1996 a year before the mass suicide).


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Medizinisch-pädagogische Monatsschrift für die gesammte Sprachheilkunde, Vol. 14
From the series
Source information
Categories and filter tags
Areas of Study
Medicine and Physiology
Featured Topics
Disability and Impairment
Hearing and Listening
Speech and Phonetics
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Original from
Staatsbibliothek zu Berlin
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In public domain
Digitization by
Max Planck Institute for the History of Science
Digitization License
CC-BY-SA Users may share and adapt this material, even for commercial purposes. Appropriate credit must be given and an indication included if changes were made. Adapted versions must be distributed under the same license as original.


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We have a tendency to spoil our pets, and our cats are no exception. And we spoil them because we love them, of course. We get them all the toys they want, even though they never play with them more than once, and we get the best food to make sure their tummies aren't upset. We also take them to the vet for the littlest things because we wanna make sure they're okay, or at least, I make sure to. That being said, I know for a fact that my cat is spoiled as heck.
These memes were found on the internet, which means it is almost impossible to know who made them. They're just so many out there, made by so many different people, with one iteration varying slightly from the next, but essentially meaning the same thing. However, some of these were made by the good people over at Sad and useless which, despite the name, is actually a treasure trove of joy and usefulness. Just at the expense of cats.
#1 Running around the house
National Geographic tells us a lot of interesting things about cats!
Felis catus has had a very long relationship with humans. Ancient Egyptians may have first domesticated cats as early as 4,000 years ago. Plentiful rodents probably drew wild felines to human communities. The cats' skill in killing them may have first earned the affectionate attention of humans. Early Egyptians worshipped a cat goddess and even mummified their beloved pets for their journey to the next world—accompanied by mummified mice! Cultures around the world later adopted cats as their own companions.
#2 Waiting for naps.
#3 Missing balls
They continue to say:
Like their wild relatives, domestic cats are natural hunters able to stalk prey and pounce with sharp claws and teeth. They are particularly effective at night, when their light-reflecting eyes allow them to see better than much of their prey. Cats also enjoy acute hearing. All cats are nimble and agile, and their long tails aid their outstanding balance.
#4 Bird pals
#5 Catnip problems
About their way of speaking, they add:
Cats communicate by marking trees, fence posts, or furniture with their claws or their waste. These scent posts are meant to inform others of a cat's home range. House cats employ a vocal repertoire that extends from a purr to a screech.
#6 Red dot gambit
#7 Mouse hunting
#8 Breakfast doesn't count.
As for their diet, they add:
Domestic cats remain largely carnivorous, and have evolved a simple gut appropriate for raw meat. They also retain the rough tongue that can help them clean every last morsel from an animal bone (and groom themselves). Their diets vary with the whims of humans, however, and can be supplemented by the cat's own hunting successes.
#9 Asking for food
#10 Food dish is half empty.
#11 Outside and indoors.
#12 Good looking
John Bradshaw, the author of Cat Sense, adds to the conversation:
Cats are far more similar to their wild ancestors than dogs are to wolves, so dogs are in that sense the more domesticated of the two species. As they adapted to living alongside humans, cats became more sociable with one another and much more accepting of people, but there is no evidence that they have changed much more than that over the past few thousand years.
#13 Grumpy cat
#14 Playing with humans
#15 Hungry
#16 Bathroom door
#17 Tom and Jerry
He continues;
Cats and dogs belong to a group of mammals known as Carnivora, and the wild ancestors of both species dined primarily on meat. Recent DNA analyses indicate that over the course of their evolution, dogs have acquired more copies of the so-called amylase gene, which makes an enzyme that helps to break down starch. Having more copies of this gene has allowed dogs to eat a more omnivorous diet. In contrast, the cat family, known as Felidae, lost the genes that encode several key enzymes—including those that manufacture vitamin A, prostaglandins and the amino acid taurine—early in its evolution.
#18 Keyboard sitting
#19 All nine of them
#20 Me + Ow
#21 Milk ring
#22 Overly attached cat
#23 Petting
He even commented on purring:
Cats purr because they have something to say, which roughly translated is "please keep still and pay attention to me." Kittens purr to persuade their mothers to keep on nursing them, and pet cats purr when they want to be stroked. The vibrations emanating from the purr certainly have a calming effect on people. Yet sick cats will also purr as a cry for help. So purring doesn't always mean "I'm happy." Some researchers have claimed that the vibrations from purring might help heal bone damage in an injured cat.
#24 Playing on the bed
#25 Belly rub.
#26 Salmon Tuna
#27 Scratching Posts
#28 Sits and fits
#29 Sleeping
#30 Going outside on the inside
If you ever wondered how cats purred, John said;
The purr is an unusual vocalization, made by rattling the vocal cords together rather than vibrating them by pushing air past them, which is how cats—and humans—generate all their other vocal sounds. That's why cats can purr when they're breathing in and breathing out. Most species of wildcats can purr, including the cheetah. The exceptions are the big cats—lion, tiger, jaguar and leopard—whose voice boxes are modified so that they can roar.
#31 Multiple sunbeams
#32 Thirsty
#33 Jumping windows
What about you? Do any of these ring true to your cats? We'd love to hear!


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Friends of School
The MPS Friends of School are a very important part of the school. The FOS endeavours to support the teachers and school management in developing a strong motivated positive school community and helps to raise money for extras in the school that are not covered by Ministry of Education funding.
Our past fundraising efforts have paid off and we have managed to build a new sand pit, buy an assortment of sandpit toys, erect a storage shed, provide new stage curtains for the hall, new Jump Jam CD's, build fences and a gate for the compost and worm farm area and purchase new sports uniforms.
We are continually looking for more fundraising opportunities to benefit our children and welcome support from whanau.
"Many hands make light work".
If you would like to join the FOS or would like to offer your time, please contact our school office.
If you would like to join the FOS or would like to offer your time, please contact our office.
Gene Bartlett
Chris Burt
Staff Representative
Lorina Goldsworthy
Staff Representative
Jo Lennox
Staff Representative


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- Erin Norberry
How to Make the Most Out of Your Stay in Nelson, BC
There's no doubt that your trip to Nelson and the Kootenay Lake will be worth your while. Its winding roads and majestic views welcome you the moment you reach this side of British Columbia, whether you're traveling by land or by plane. It reassures you that you have a home in the mountains. Drawing inspiration from renowned world traveler Ibn Batutta, "Traveling – it leaves you speechless, then turns you into a storyteller." Here are different ways to shape the story of your trip to Nelson, BC.
Research and plan your route ahead of time
You can be overwhelmed by the many things and sights to see once you reach Nelson, BC. With this information, your choice as you travel to this town can be the start of your adventure. If you take the trip by car, there are many pit stops that offer a unique offering of the town's history and culture, before you end up in Nelson, DC. It's best to plan your trip around your peak interests, as well as leaving time to explore new things. The research part of your trip can remind you of the best ways to maximize your resources and your time, and allow you to plan your itinerary.
Immerse yourself in art, culture, and history
You can start off your trip by immersing yourself in Nelson, BC's culture and history. There are many establishments that offer this experience. If you visit Touchstones Nelson: Museum of Art and History, you're instantly given an insight into the humble beginnings of the town as well as the promising artists they're currently showcasing. They've preserved a myriad of architectural structures, made available through an easy walkable path. This is another way for you to see the highlighted infrastructures that the town has chosen to keep at this time, as well as where these were inspired by. There are also pieces of history that are strewn into the Nelson landscape such as the electric tramway that has been up and running since 1898. Another is the S.S. Moyie, which is considered to be the oldest passenger sternwheeler in the world that is still intact.
Connect with the locals
In 2013, there was once a photographer who took the "Humans of New York" experience to "Humans of Nelson, BC". His key takeaway from this exercise is that he was able to highlight the colorful personalities that make Nelson, DC what it is. Their humble beginnings and chosen lifestyle are worth listening to. They pride themselves for embracing this slow-paced life and being intentional with the different tasks at hand. With this in mind, this unique opportunity to connect with the locals could be one of the highlights of your trip.
There are many ways to do this. First is through coffee. If you're starting off your day seeking a good cup of coffee, there are several local coffee shops that not only serve excellent coffee and warm hospitality, but also champions a strong community spirit and cultural diversity. This can spark tons of great conversations both with fellow tourists and local baristas. Engaging with tourists and locals allows you to gain a deeper understanding of their culture, lifestyle, and even gain you recommendations on must-see destinations. Second is going through local artisanal shops along Baker street, where you'll find art galleries, local food grocers, and restaurants that have stood the test of time. Some of these have been run by families who have chosen to settle down in Nelson and share a piece of their culture to this town.
Lastly is through a good craft beer. Three out of the four signature artisanal flavors of British Columbia were created in Nelson. Test out the best breweries in town – Nelson Brewing Company (NBC), Torchlight Brewing, and Backroads Brewing Company, and discover the history and process behind the famous beers that the town is known for.
Go on an outdoor adventure (and do something you've never done before!)
Nelson has a lot to offer thrill seekers. Since It has grown to cater to tourists from all over the world, they're prepared with varying levels of difficulty in your chosen adventure. You shouldn't miss out on the opportunity to marvel at majestic views and at the same time test out a new skill - hiking, kayaking, skiing, or camping; there's a long list of adventures that awaits you.
The Pulpit Rock trail offers a stunning view of the city and the mountains. If you're willing to try a more diverse set of things to do, a trip to Kootenay lake may just fit your need to go swimming, canoeing, boating, kayaking, and even fishing. The Whitewater Ski resort offers an opportunity for you to go skiing and the varying levels of slopes will challenge you to develop your skills. Trail biking is also a highly suggested option because Nelson is considered a biking mecca for its abundance of trails for all abilities. You may even be surprised that there will be bears that might pop out and come say hi.
Once you've chosen your adventures, don't forget to take photos and savor the beauty of the landscapes that you'll encounter. One of the best things about Nelson is that you can go in the winter, spring, summer or fall, and you still won't run out of exciting things to do because adventure is an all-year round attraction.
Take time to unwind
The best thing to complement a trip that offers thrill-seeking adventures is setting aside time to slow things down. Through sitting still, meditating, or just observing your surroundings, you're able to take it all in and draw inspiration from your surroundings.
You can do so by riding a ferry between Balfour Bay and Kootenay Bay. It takes you on a trip between Kootenay Bay on the east side and Balfour on the west side, and the best part about this ferry is that it runs for free.
Another suggestion is to head to Lakeway Park and enjoy the combination of lush gardens and the accessible sandy beach that comes along with it. This beautiful park in the city offers a piece of tranquility and its vast space gives the unique option to switch sceneries from garden view to beach view in close range of each other.
What tops the list of unwinding is paying a trip to Ainsworth Hot Springs. This is a perfect getaway for travelers of all ages as it gives guests the chance to savor the calmness of warm water. The highlight of Ainsworth is your breathtaking view of the Purcell Mountains, laid out ahead of you in its lush glory. You can also swim through the caves that are adjacent to the main pool. To wrap up your Ainsworth experience, take your pick among the restaurants and enjoy delicious local fare.
We hope these tips can help you paint a beautiful story as you take your trip to Nelson, BC. Soak up the experience, take home memories you'll cherish for a lifetime, and share your travel stories with the rest of the world.


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Items where Author is "Hernández-Conde, José Vicente"
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Published Article or Volume
Hernández-Conde, José Vicente (2017) Life Cycle of a Concept in the Ad Hoc Cognition Framework. THEORIA. An International Journal for Theory, History and Foundations of Science, 32 (3). pp. 271-292. ISSN 2171-679X


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When Janet Yu drove to Toronto from Texas in June to assist her 90-year-old mother, who was recovering from a spinal injury, she never thought she'd end up dealing with not one but two emergencies.
The second crisis emerged when Yu, a chartered professional accountant, sat down with her mother to review her retirement accounts after a trip to the hospital and a lengthy stay at a rehab facility. That's when she noticed something did not add up.
Yu and her sister Donna Koh allege their mother was the victim of fraud perpetrated by her longtime financial planner at Royal Mutual Funds Inc. (RMFI), a mutual funds dealer and RBC subsidiary. They allege the fraud and an unauthorized transfer of funds resulted in a loss of more than $120,000 according to an internal investigation by RMFI. The family wonders how a financial institution affiliated with Canada's largest bank failed to detect suspicious activity for months.
Global News has agreed to keep Yu's mother anonymous out of concern for her psychological well-being as the family alleges her advisor has repeatedly attempted to contact her after allegedly confessing to the fraud.
Yu and Koh say Yu reported the alleged fraud and unwanted calls to the police, but their mother ultimately decided against pressing criminal charges. Toronto Police confirmed it received a phone call corresponding to the incident number provided by Yu and Koh and that no report was filed.
RMFI has compensated Yu's mother for $60,000 the advisor allegedly stole from her accounts, plus more than $7,000 in lost investment growth for that amount. The fund dealer has also offered more than $52,000 as additional compensation to account for other lost investment growth tied to the alleged second unauthorized transaction.
"We take seriously any allegation of employee misconduct and are investigating this matter fully," an RBC spokesperson told Global News via email. "We can confirm that full monetary compensation has been offered to the client. Beyond that, we are unable to comment further due to employee privacy and because the matter is still under investigation."
"We understand that any time a client is affected by unauthorized transactions that it can be a difficult situation for them."
But Yu and Koh, who have power of attorney over their mother's property, say the handling of the case has been inadequate. Their mother's story, they say, highlights significant shortcomings in a major financial institution's ability to protect a vulnerable senior from fraud. It also reveals how consumers seeking compensation may struggle to navigate a system where banks and their affiliated investment dealers are separate corporate entities often with different complaint channels. Finally, they say, no one has warned their mother about the tax liability she may face on the settlement amount she's been offered for her investment losses.
"The burden of investigation and proof have fallen solely on our shoulders through the investigation, causing members of our family stress during what's already a very challenging time," Koh said via email.
A financial planner allegedly admits to fraud
A Korean immigrant, Yu and Koh's mother has been an RBC customer for some 40 years. Her retirement savings — accumulated over 25 years of working 12-hour days six days a week — were largely held in low-risk RBC mutual funds sold by RMFI, the sisters say. Her financial planner, Jeong (Abraham) Shin, had been her trusted advisor for a decade, according to the family.
"Every time when my mom had to do any banking, she would go over to the branch and sit with him," Koh says.
When Shin learned of Yu and Koh's mother's injury he sent flowers, they say.
But when Yu and her mother looked at her investment balance in September she says her mother thought it was considerably lower than what she remembered. Her mother wondered whether it was because of the stock market convulsions caused by the novel coronavirus pandemic, Yu says. But the paperwork showed her mother's investments were almost entirely in cash and fixed-income, she adds.
"You have no equity," Yu recalls saying to her mother.
Yu thought setting up online banking would help her mom get a better picture of her financial situation, she says. But when she tried to open a digital account with her, she wasn't able to do so, she says. That's when Shin offered to come to the house to help, according to Yu.
Yu was working remotely in one of the bedrooms during the visit when she says her mother came over from the living room, where she'd been speaking with Shin, and said in a low voice: "You'd better come out. Something is not right."
It was then Shin confessed to stealing $60,000 from one of her investment accounts, Yu and Koh say.
"I was in a shocking state," Yu says, adding that Shin mentioned he'd been in financial distress and offered to repay the money.
"He was literally kneeling and walking between mom and me asking for forgiveness," she says.
But when Yu and her mother had met with Shin at a local branch just days before, he'd kept mum about the unauthorized withdrawal, according to Yu.
Eventually, she says, she had to threaten to call security at her mother's building to get him to leave. Shin subsequently called Yu and Koh's mother on at least a couple of occasions, prompting the family to call the police, according to Yu and Koh.
A few days later, Yu says she also discovered Shin had moved around $330,000 worth of investments from her mother's RBC Select Very Conservative Portfolio to the RBC Premium Money Market Fund. Both alleged unauthorized transactions had occurred on March 23, which marked the worst day for major North American stock indices so far this year. The family hypothesizes the switch transaction was an attempt to conceal the alleged theft.
Global News has been unable to speak with Shin, despite several attempts to contact him. An RBC spokesperson declined to say whether he has been let go, citing employee privacy.
How two alleged unauthorized transactions went undetected for months
Not only did the $60,000 alleged theft go unnoticed between late March and mid-September, RMFI did not detect the second alleged unauthorized transaction until Yu discovered and flagged it a few days later, the family says.
Three days after Yu reported the alleged $60,000 unauthorized withdrawal, RMFI deposited $67,672 to her mother's account, according to documents reviewed by Global News. The funds account for both the sum Yu and Koh say was taken by Shin and the investment growth their mother missed out on due to the alleged unauthorized liquidation of part of her investments, the documents show.
But even after initiating a review of Yu and Koh's mother's accounts, the mutual fund dealer did not immediately pick up on the alleged illicit investment fund transfer, according to Yu and Koh.
In both instances, RMFI said the alleged unauthorized transactions went under the radar because they were processed using Yu and Koh's mother's client card number and an online banking password assigned to it, according to correspondence seen by Global News.
The incident raises the question of whether bank and investing clients who have not set up online banking are at greater risk of becoming victims of fraud at the hands of employees who can set up accounts for them.
The RBC spokesperson has not said whether its financial planners have access to their clients' card numbers and whether steps have been taken to prevent similar instances of alleged fraud in the future.
In general, "one of the benefits of having an online account is it allows you to check (transactions) more frequently," says Jean-Paul Bureaud, executive director at FAIR Canada, an investors' rights advocacy group.
Digital financial literacy is a growing problem with Canada's aging population, says Elizabeth Mulholland, chief executive officer of Prosper Canada, a national charity.
But the burden of detecting fraudulent activity should not rest solely on financial consumers, she adds.
"Ideally there would be algorithms to flag these things," she says.
Email services typically alert users of a login performed from an unusual device, even when it involves the correct user name and password. And credit card companies regularly request additional verification when they detect purchases that stray from a client's typical pattern of transactions.
One would expect financial institutions to use similar technology that would detect and flag unusual activity, such as a large investment-account transfer or a trade order that does not match the investor's risk profile on file, Mulholland says.
Yu has filed a complaint against RMFI, RBC and Shin with the Mutual Fund Dealers Association of Canada.
Is it the bank or the dealer?
That RMFI is a separate legal entity from RBC adds "a layer of complexity" for victims of financial fraud, Koh said via email.
Canada's big banks, which are federally regulated, offer many investment services through affiliated mutual fund and investment dealers, which answer to a different set of regulators. Normally, transactions affecting a client's investments are the responsibility of the dealers, not the banks.
Shin's alleged use of online banking to commit the fraud raises issues about where RMFI's responsibility ends and RBC's begins. In Yu and Koh's mother's case, a single online portal gives access to both chequing and savings accounts and investment accounts, according to Koh.
And Yu and Koh say Shin created a new RBC savings account in their mother's name to which he transferred the $60,000 worth of liquidated investments. A letter from RMFI says RBC records indicate an RBC High Interest eSavings account was opened on March 23 through online banking.
It is unclear whether Shin is or was an employee only of RMFI or also of RBC. RMFI's letter indicates both RMFI Compliance and RBC Corporate Investigation Services have been involved in investigating the alleged unauthorized activity.
Complicating matters further for consumers, banks and investment dealers may rely on different independent bodies to handle client complaints they cannot resolve on their own.
This is the case with RBC and RMFI. Bank customers who want to escalate their concerns are referred to the ADR Chambers Banking Ombuds Office (ADRBO). RMFI clients, on the other hand, must turn to the Ombudsman for Banking Services and Investments.
FAIR Canada has been advocating for years for streamlining the complaint handling process, Bureaud says.
"It's very confusing to most people and part of the confusion stems from, where do you bring your complaint?" he says.
Besides, while both ADRBO and OBSI can advise financial institutions around client compensation, their recommendations are not binding.
Mind the tax
RMFI has offered additional compensation of more than $52,000 for the lost investment growth tied to the $330,000 Shin allegedly transferred without authorization. The offer, however, is contingent on Yu and Koh's mother signing a release document, according to the RMFI letter.
But Yu and Koh say they are concerned the money could be subject to tax, among other issues.
"There are potential tax implications for any settlement," says Bureaud at FAIR Canada. "It really depends on how (the Canada Revenue Agency) characterizes the settlement."
Bureaud recommends consumers seek the advice of an accountant or tax lawyer before accepting compensation.
Financial abuse a growing worry as Canada's population ages
Fraud and financial abuse of seniors are an increasingly urgent concern, says Mulholland of Prosper Canada. But the issue remains a tricky one, she says.
On the one hand, there is the concern of protecting aging Canadians from monetary losses.
"For seniors, it's a particularly devastating situation because they don't have a lot of time to make up that lost money," Bureaud says.
One way for older Canadians to help guard against fraud and abuse is to rely on a trusted family member or friend to help review and manage their financial affairs along with financial planners or investment advisors, Mulholland says.
"Having checks and balances can be a good way to make sure that everybody feels like they're under scrutiny," she says.
On the other hand, preserving seniors' right to make their own decisions must also be a priority, Mulholland says. While some seniors may need help, they don't necessarily want to or need to sign off their decision-making power, she adds.
To that end, Canada is considering following the example of the U.S., where regulators have introduced the concept of "trusted contact person." A TCP is someone designated by a client who financial advisors can contact in limited circumstances, for example, if they suspect financial abuse or believe their account has been subjected to fraud. But unlike a power of attorney, naming an individual a TCP does not confer them the ability to act on your behalf.
In March, the Canadian Securities Administrators, working with the Investment Industry Regulatory Organization of Canada (IIROC) and the MFDA, presented a series of regulator amendments aimed at enhancing protections against financial exploitation for vulnerable people. The measures include requirements for financial firms to take reasonable steps to obtain the contact information of a TCP from their clients.
Yu and Koh, for their part, say they have serious concerns about signing any of the release document provided by RMFI, which has a deadline of Nov. 20. Beyond the possible tax liabilities, they also worry about other unauthorized transactions that may not have been uncovered.
"We were fortunate that Janet was with my mom when the embezzlement was discovered, and that she is a CPA who was able to conduct a thorough review of my mom's finances without the help of the bank," Koh said via email.
"But consider other elderly people who have to deal with this on their own with no one to help or advocate for them … consider how devastating it would be to have $60,000 stolen from your account when you rely on a limited income, and how desperate and helpless an older person would feel when the bank is not forthcoming with information and rushes them to close the case."
Do you think you or someone you know may have fallen victim to fraud or financial abuse? We want to hear from you.


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Average Commercial Real Estate Loan Rates for Investment Properties. On average, the loan-to-value ratio for these types of loans is between 65% and 75%. So, if you purchase a $1 million building, the lender may only give you a loan for $700,000, meaning that you'll have to put $300,000 down.
Current Mortgage Rates What You Need to Know About Commercial Property Financing Obtaining a business real estate advance is a lot more difficult than getting a home advance, and you need to be prepared for a grueling process that has many twists and turns – and sometimes a surprise ending.
Commercial Mortgage Refinance Rates – Visit our site and see if you can lower your monthly mortgage payments, you can save money by refinancing you mortgage loan. So enjoy the VA refinance program today to avoid financial difficulties in the years to come.
Enjoy an appraisal fee waiver on commercial real estate secured loans. Loans that qualify must be between $100,000 and $2,500,000. Important rate and payment information disclosure expanded disclosure collapsed. advertised as low as rate is effective as of June 14, 2018 and is subject to change.
Commercial real estate loan rates remain at near all time lows, making now a great time for small business owners to purchase or refinance commercial property. A variety of different lenders make commercial real estate loans.
No one should be humming the lyrics to rock band My Morning Jacket's 2008 song "I'm Amazed" as interest rates on commercial mortgages march higher. Yet those in the midst of refinancing or closing a.
Acquisition Development And Construction Loans The U.S. has benefited from strong economic growth and generally favorable real estate markets since the early 1990s. As a result, financial institutions in many metropolitan areas are active in residential and commercial real estate acquisition, development, and construction (ADC) lending.
Commercial Real Estate Loans to Refinance/Cash Out There's so much you can do with a Refinance or Cash Out loan. Whether you wish to reduce your current commercial real estate interest rate, make leasehold improvements, or fund other important projects, you'll enjoy competitive interest rates and fees, and helpful advice from a banking.
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It has investments in physical commercial real estate and maintains a large mortgage portfolio. The company owns and originates floating-rate loans for commercial properties. Loan losses are rare for.
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Why are we moving?
Cathy Xiong
Robert F. Wagner School of Art and Technology
Summer Research Program for Science Teachers
August 2012
Subject: Earth Science
Grade Level: 8-12
Unit: Plate Tectonics
Duration: 60 minutes
In this activity, students will be designing models to demonstrate convection current. Through scientific inquiry, students will be able to explain the process of convection that drives the plate tectonics in motion.
Aim: Why do the tectonic plates move?
Students will be able to
1. Demonstrate convection current using simple materials.
2. Identify Earth's outer core as the heat source driving convection currents in Earth's mantle.
3. Describe how convection current drives the movement of Earth's plates.
Vocabulary: density, convection current
Wooden blocks
Plastic and Styrofoam cups
Plastic shoebox containers with water
Food dye blue and red
Hot and cold water
Paper towels
Safety goggles
Student worksheet: Convection Current
Do Now:
If you place a raft in a lake, would it stand still in water, why or why not?
1. Students are given a piece of wooden block and a container of water to observe that the wooden block cannot stand still in water because water is always moving due to convection current.
2. Introduce concept of convection current and relate it to the real world:
a. Hot air balloon rises because hot air is less dense than cold air.
b. Boiling water in a pot
c. Attic is warmer than the basement.
d. Plate tectonic movement: point out to the students that the wooden block floating in a water bath is analogous to the layers of the Earth. Water represents the asthenosphere where convection current occurs. Wooden block represents the plate floating on top of the asthenosphere. Diagrams below are useful visuals for understanding.
3. Students are asked to design their own experiments using the materials given to demonstrate convection current. Students are to record their observations on the worksheet given. The procedure should be similar to the following steps (this protocol is not given to the students):
a. Fill your plastic container half way with water.
b. Place your plastic container on top of the four paper cups.
c. Add two drops of food dye on the bottom of the container.
d. Observe the food dye in the container. Complete Diagram 1: "No Heat Source", in the Data section of this worksheet.
e. Place a cup filled with hot water under the container where the food dye was placed.
f. Observe the food dye in the container. Complete Diagram 2: "Active Heat Source', in the Data section of this worksheet.
New York State Standards:
Standard 1
1. The central purpose of scientific inquiry is to develop explanations of natural phenomena in a continuing, creative process.
the use of reasoning and consensus, scientific inquiry involves the testing of
3. The observations made while testing proposed explanations, when analyzed using conventional and invented methods, provide new insights into phenomena.
Standard 2
2. Beyond the use of reasoning and consensus, scientific inquiry involves the testing of proposed explanations involving the use of conventional techniques and procedures and usually requiring considerable ingenuity.
3. The observation made while testing proposed explanations, when analyzed using conventional and invented method, provide new insights into phenomena.
Standard 4
2.1a. Earth Systems have internal and external sources of energy, both of which create heat.
2.1k. The outward transfer of Earth's internal heat drives convective circulation in the mantle that moves the lithospheric plates comprising Erath's surface.


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Posts Tagged 'Storytelling'
Start 'em Young: A Guide to Climate, Women, and Justice Children's Books
Spark discovery in youth with these books that are made to inspire! With messages of justice, creativity, innovation, and persistence, these are great reads for children, teaching youth important themes and history from the past, and inspiring them to think on how they can be part of creating a more sustainable, equitable, and caring world…Read More
Meet Binta: Clean Cookstove Entrepreneur and Inspiring Leader
Binta Yahaya is a member of the Women of Vision Development Initiative (WVDI), an NGO active in grassroots entrepreneurship, community mobilization and environmental advocacy in Lere Local Government, a rural town in Kaduna State, Nigeria. She was part of a team that successfully led women to advocate for changes to land inheritance laws and campaigned…Read More
Together for H2OPE Project launches storytelling workshop
Here at WEA, a core component of each of our projects aims to encourage our partners to create and collect compelling emotional stories that help to link the women-driven, environmental work they do with our collective global community. These stories — told and shared by the women who experience them — ultimately strive to educate…Read More
First Public Preview of Land and Lens Photographs
In March, WEA's Seeds of Resilience Project partner Vanastree, a women farmer's seed-saving collective in Karnataka State, India, held their first photography training for project participants and community members, kicking off the storytelling component of this work called Land and Lens. This unique initiative supports the project's ongoing efforts to ensure rural women farmers are equipped with…Read More
Malnad Mela Festival in Sirsi celebrates seeds and artists
In June, WEA's Seeds of Resilience project partner, Vanastree, held their 17th Malnad Mela in Sirsi, India. Vanastree has held this festival every year since 2001. The Mela — a community biodiversity festival where farmers and producers can gather to display and share their produce and products — strives to bring awareness to the environmental challenges in…Read More


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Happy Friday! I'm excited to be part of the cover reveal today for Stacy Reid's new book A Scoundrel of Her Own. This is the third book in Reid's historical romance series The Sinful Wallflowers, and it sounds great!
Let's take a look at the swoon-tastic cover!!
A Scoundrel of Her Own
Stacy Reid
(The Sinful Wallflowers, #3)
Published by: Entangled: Amara
Publication date: December 28th 2021
Genres: Adult, Historical Romance
The conclusion to Stacy Reid's bestselling Sinful Wallflowers series stars Lady Ophelia, who moonlights as a masked songstress under the alter ego Lady Starlight. When she captures the attention of the rogue Devlin Byrne, the dangerously handsome owner of a gambling den, she'll need to decide if seduction is worth shedding her wallflower persona.
Author Bio:
USA Today Bestselling author Stacy Reid writes sensual Historical and Paranormal Romances and is the published author of over twenty books. Her debut novella The Duke's Shotgun Wedding was a 2015 HOLT Award of Merit recipient in the Romance Novella category, and her bestselling Wedded by Scandal series is recommended as Top picks at Night Owl Reviews, Fresh Fiction Reviews, and The Romance Reviews.
Stacy lives a lot in the worlds she creates and actively speaks to her characters (aloud). She has a warrior way "Never give up on dreams!" When she's not writing, Stacy spends a copious amount of time binge-watching series like The Walking Dead, Altered Carbon, Rise of the Phoenixes, Ten Miles of Peach Blossom, and playing video games with her love. She also has a weakness for ice cream and will have it as her main course.
To be the first to hear about my new releases, get cover reveals and excerpts you won't find anywhere else, sign up for my Newsletter @ https://www.stacyreid.com/#newsletter/
Happy reading!
I can't wait to read this one, and I'm loving that cover! What do you think? Comment below!


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|Back to Back Issues Page
Free Daily Affirmations
September 13, 2015
Good Morning, Are we conscious of our actions and are we in a state of awareness daily. If not we are missing the wonders of life and the great people that come with it.
What is consciousness and how it determines the quality of your life. It is very easy to get caught up in life and forget who we are. Lets all get back on track with with being consciously in the moment.
Your Affirmation: "I am aware of my spiritual gifts and I let the God in me direct my actions today."
Blessings Rev.Bill
|Back to Back Issues Page


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Over the years, you may have noticed my lack of enthusiasm for many of the changes and upgrades made to the Experimental Aircraft Association's (EAA) Oshkosh event, now called AirVenture.
In the good old days, Oshkosh was a technical information exchange and social gathering. The primary purpose of the event was for homebuilders and aircraft owners to learn about their aircraft. It has now become a major sales event with some social and technical information mixed in.
For example, the major exhibitors are such general aviation stalwarts as John Deere, Ford, Honda and Boeing. Consequently, even the GA companies now send sales personnel to man the booths. This makes finding answers to technical questions challenging at best.
Prior to heading out to Oshkosh, I sat down and noted which companies or people I wanted to talk to during my visit. I also noted questions that I would like to have answered.
One of my first questions was the mystery of the missing Cessna 182s with diesel cycle engines. A couple of years ago, Cessna made a big deal about the introduction of a direct from the factory 182 with a SMA Diesel engine. We heard a lot of talk about it and then nothing but rumors.
My first stop was at the Cessna display to get the straight answer directly from the source. After asking several people, I was finally directed to a "technical" person. After identifying myself as a writer from General Aviation News, I asked him what had happened to the diesel 182s. He said that they had all been converted to avgas engines, and tried to sell me one.
I asked him why had they been changed out, and he said that the diesel 182s had not performed up to Cessna's high standard of quality. I asked if there had been failures, and he said no, they just did not perform up to Cessna's standard. I asked several other questions and got the same or similar answer.
I have run into this before when there was a possible problem. What the companies do is leave their technical people home and give their "technical sales people" a lawyer-sanitized answer to give to all questions.
I then went to SMA. They were much more helpful. It appears that they have three current versions of the engine. One is being developed by Continental and is flying with an MT prop. The second was the one used on the 182s with a US-built prop. And the third is the latest version, which has solved all of the problems of the previous models, according to company officials. Their rep would not say it was a propeller problem, but they did say it was a component problem.
I then went to a couple of independent "prop" overhaul guys who stated that the prop chosen by Cessna could not handle the sharp pressure rise and power pulses of the diesel engine. As to the question of failures, they had heard of five or six "unscheduled" landings, which were the basis of the total recall by Cessna.
So what have we learned here? First, you can find technical answers at Oshkosh — you just do not get them from the source you may expect, which means you need to know who to ask. I asked several engine rebuilders who they call at the engine manufacturers to get technical answers. They all had sources to call, but none of them would share who they were.
Second is a problem that GA has faced for many years. The engine and airframe builders are always two different companies with different ideas as to what works and what does not. This results in an end product that may not work well together.
The third and final lesson is that Murphy's Law does apply to all new products — and some old ones as well. The principle that anything that can go wrong will go wrong is a lesson that all companies should put as a computer screen saver for all employees so that none will forget it.
I wonder if the companies trying to market an unleaded 100 octane avgas have ever heard of Murphy's Law?
Actually, I believe that Murphy was an optimist.


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Orange Amps Official sound provider for 'dazeFEAST
Well folks,
'dazeFEAST is just around the corner and Orange Amps is now our official sound provider. The good guys at Orange China are providing us with a a guitar setup from hell with a double set of amp heads and guitar cabinets… This is sweet!
Orange, for those of you who might not know, has been around for 40 years already. It was extremely popular back in the 60s/70s then slowly vanished, only to be brought back into the mainstream by grunge and britpop band ( nirvana, pearljam, rush, oasis just to name a few)
Big big thanks go our to Kong Xianglong of Orange China for the equipment and to Yang from Painkiller Mag for helping make it all come through.
we're gonna rock in style baby
For more information about Orange products in China:
Kong Xianglong
Orange Distributor in China


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It doesn't have to be this way
The good news of the risen Christ means that Christians don't need to fear squaring up to whatever social, political or ecological challenges that may already exist or may soon arise. We are free to pour ourselves out in loving service of neighbour for the glory of God, entrusting ourselves to the God who raised Jesus from the dead. We can do the hard work of thinking through how best to love our neighbours in a rapidly changing world, where a complex variety of interconnected goods clamour for our attention in patterns both persistent and novel.
Why does the good news banish our fears? Or rather, why does it enable us to face them squarely and yet be undaunted, requiring no distraction, no promise of a silver bullet, no paralysing despair, no frantic scramble to save ourselves? In faith, hope and love, Jesus walked willingly into the valley of the shadow of death. We can follow him without being alone, without needing to vindicate ourselves, without needing any guarantees that the path will not be bumpy or difficult. Where he has gone, we follow.
I have finished a number of my recent posts suggesting that "It doesn't have to be this way". The possibility of another way is discovered as we walk in the footsteps of the one who carried his cross to Golgotha. And it begins with surprise, wonder and joy at the birth of a baby amongst beasts. Advent is a season in which Christians are to wait, to pray, to hope: it doesn't have to be this way.


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In the shadow of Corona, most of us have had to spend an inordinate amount of time in lockdown of one sort or another. Some of us won't be out and about again for some time. What to do with all this extra time? Read! Here are some great book-related posts from around the Jewish blogosphere.
Parashat Terumah – Mind the Gap!
Parashat Terumah is the first of several dealing with the construction of the Mishkan, where the priests would make sacrifice upon a great bronze-clad altar. And yet, only two weeks ago, at the end of parashat Yitro, we read a very different set of instructions: "Make for Me an altar of earth and sacrifice on it … " How are we to reconcile the need for this elaborate structure to house God's presence with the instructions to worship Him using a simple altar of earth? In attempting to reconcile these two very different types of encounter, it may be helpful to look at what comes in between.
February Jewish Book Blog Carnival
Spring is in the air here in Israel, and the hills are alive with almond blossoms. Tu B'Shvat is just past, and we're counting down toward Purim. Here are some recommendations from around the Jewish blogosphere (in more or less alphabetical order). Note that cover images link to the relevant affiliate-linked book page on Amazon.
Parashat Beshalach: Of Miracles and Folly
In Parashat Beshalah, the Israelites are finally freed from slavery in Egypt. But neither the nation of Egypt nor the house of Israel is ready for the events now unfolding. The Israelites, having lived in slavery all their lives, were naturally fearful of freedom. It makes sense then, that they would need to be rescued against their will. The Egyptians, meanwhile, have reason to feel even more overwhelmed than the Israelites; they have been caught up in a process in which each ill-concieved decision breeds another calamity, and yet, they can find no way out of the cycle. How do we reconcile this seeming lack of free will with the Torah's usual insistence that humans are free to choose?
Parashat Bo – Pesah and Foreshadowing
In this week's parashah, the plagues in Egypt reach their horrific conclusion, resulting in the freedom for the Israelite slaves (and presumably many others as well) and their expulsion from the country. Along the way, we're given a fascinating glimpse "backstage" at the divine plan in history.
Message Delivered: A Sonderkommando steps into the light
In honor of the 75th Anniversary of the liberation of Auschwitz, here is an excerpt from the story of Ovadya ben Malka. "Here is one task for you to do," Rav Ish-Shalom told him. "You must remember everything you can about individual people from that place. One cannot keep alive the memory of thousands; it just isn't possible. Instead, call to mind individuals. Their lives, not their deaths. You must remember everything you can about them; how they were dressed, what they said to one another; any names that you heard spoken. Anything!" In this excerpt, Ovadya finally begins to overcome the barrier to telling what he witnessed.
Shemot – The mystery of a displaced story
The episode of Zipora's emergency circumcision of her son at a wayside inn seems to defy interpretation. Who is it that God sought to kill, and why? We can begin to make sense of this story only when we realize that it has been lifted out of its proper place in the wider narrative; chronologically, it belongs much later, during the plague against the firstborn. But then, why do we find it here, at the very beginning of Moshe's mission?
VaYechi: Ahuzah vs. Ahuzat Olam
What is behind Yaakov's sudden adoption of Yosef's two sons? And why does he make Yosef swear to bury him in the land of Canaan? Is his son's word not enough?
Parashat Vayigash: What might have been
Yosef's first question, after revealing his identity to his startled brothers is: "Is my father alive?" But had he not already been told that his father was not only alive, but worried sick about Yosef's sole remaining full brother, Benyamin? Had Yehuda not related a whole conversation between the brothers and Yaakov, their father? And had the brothers not already told him about their aged father waiting at home? Why would Yosef ask: "Is my father alive" after all this?
Parashat Vayishlah – A house divided
It may well be that the incident in Shechem was meant to serve as a warning to Yaakov. We never once hear the words "My daughter" from his mouth. He had all but abandoned Leah's daughter, leaving the action to Leah's sons. Might this be a sign of how Yaakov relates to Leah's children in general?


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The Democracy at Work Institute and the National League of Cities have developed The Municipal Playbook for Employee Ownership to assist with integrating employee ownership into municipal economic and workforce development strategies. It offers three approaches that address specific pain points faced by many municipalities:
- Support legacy businesses in transitioning to employee ownership
- Create quality jobs for people who are left out of the mainstream job market
- Foster small business resilience and growth through secondary cooperatives
While employee ownership is not a solution for all development and recovery challenges, it can be an effective strategy for preserving jobs and businesses; addressing racial and gender income and wealth disparities; and improving job quality and access to work.
Readers seeking inspiration and examples of how employee ownership can be a tool for addressing critical community issues can read through the playbook in its entirety to learn different development approaches. Other readers that have a specific economic and workforce development issue in mind can go directly to the play that tackles the problem to learn the steps for deploying an employee ownership strategy.
Each play is organized by the problem it addresses and includes the specific employee ownership solution, the win for cities and communities, and recommendations for getting started.
Complete the form below to download the report.
This resource was developed in partnership with the National League of Cities and was originally published on nlc.org.


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A Legacy of Honor
The Congressional Papers of Lee. H. Hamilton
Published by: Indiana University Press
63 Pages, 54 b&w illus.
- Paperback
- 9780253046116
- Published: March 2019
$19.00Add to Cart
Other Retailers:
This volume commemorates the opening of the Lee H. Hamilton Congressional Papers at Indiana University. The papers are a selection made by his staff from the approximately 3,500 cartons of records generated from 1965 to 1999 during Hamiltons 34-year tenure in the House of Representatives. The collection richly documents Hamiltons emphasis on constituent relations, his continuous concern for the constitutional role of Congress and its proper functioning, and the development of his leadership in U.S. foreign policy. The Hamilton collections document not only his distinguished congressional career but his commitment to, and work in support of, the belief that the most pressing national and international problems can be successfully addressed through the nonpartisan work of people of good faith within the context of the American form of representative democracy.


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What Do Donald Trump And Sarah Palin Have In Common? 60% Of Americans Would Never Vote For Them
The last Gallup Poll has puts some perspective on the electoral chances of the GOP's two most-talked about potential 2012 candidates:
PRINCETON, NJ — More than 6 in 10 registered voters nationwide say they would definitely not vote for Donald Trump or Sarah Palin for president in 2012, significantly more than say the same about possible Republican candidates Mitt Romney or Mike Huckabee, or about President Barack Obama.
The majority of U.S. voters at this point do not appear receptive to a Trump presidency. Sixty-four percent of registered voters have essentially rejected the television personality and businessman, saying they would definitely not vote for him. That leaves Trump with 7% of voters who say they definitely would vote for him, and another 28% who say they might consider it.
About as many voters nationwide (65%) say they would definitely not vote for former vice presidential candidate, former Alaska governor, and current television personality Palin.
President Obama fares better than any of the four Republican candidates on this measure. Fifty-four percent of registered voters say they would consider voting for Obama, including 31% who would definitely vote for him, while 46% say they would definitely not vote for him.
Romney and Huckabee are in somewhat more positive positions than either Trump or Palin, but neither is positioned as well as Obama. Less than half of registered voters say they would definitely not vote for either of these two possible GOP candidates.
Here are the numbers:
Given these numbers, explain to me again why anyone is taking either Palin or Trump seriously anymore.


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The Marazzo name for the upcoming MPV is from Basque, a sub-language of Spanish, and it refers to 'Shark'; would you have preferred anything else from this list?
Mahindra's official nomenclature for the Innova Crysta rivalling MPV has been the subject of discussion for long, especially considering that the company prefers to end the monikers with the 'O' letter. With Anand Mahindra asking followers on Twitter to suggest Indian names, social media just went wild.
Amidst the speculations, Mahindra has announced the MPV's name finally today. Christened the 'Marazzo', it is from Basque a sub-language of Spanish meaning 'shark'. Mahindra did toy around with the idea of using shark as the design inspiration, before finalising a name denoting it.
At the conference explaining important details of the Marazzo, scheduled to launch in September, Mahindra did show the other names it had considered, giving us a good idea of what might have been. They are Sarco, Tiburon, Perlo, Mako, Aspero, Tauro, Aqulo, Deano, Capaso, Rigato, Marazzo and Zygna.
All these names indicate shark one way or the other from languages like Spanish or Italian. Mahindra has used shark as a styling influence, for instance, the front grille has shark-tooth design while the tail lamps take inspiration from the shark's tail.
Apart from them, the Marazzo MPV features shark-fin inspired antenna and a striking side profile resembling shark in more ways than one with upward running character line connects the front with the tall rear section. The Marazzo will come equipped with industry-first 'Surround Cool Technology', said Mahindra.
The MPV with seven- and eight-seat configurations will be silent and smooth as the shark pointing at what has been claimed to be 'quietest cabin in its class' and refined engine with relaxed riding characteristics respectively. It is confirmed to be powered by a new lightweight engine that is expected to be a 1.5-litre diesel motor making 121 bhp and 300 Nm.
The Marazzo will take on Toyota Innova Crysta in the premium MPV class and is based on a brand new platform with no part sharing with any other vehicle, according to Mahindra. Is Marazzo the ideal name from the above list or would you have gone with anything else? Do let us know below!


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The Michaels Companies, Inc. is North America's largest specialty provider of arts, crafts, framing, floral, wall décor, and seasonal merchandise for Makers and do-it-yourself home decorators. The Company owns and operates more than 1,200 stores in 49 states and Canada under the brands Michaels and Pat Catan's. This corporation sponsored Michaels Survey to get valuable feedback from their customers, which guide them to improve the quality of the system and provide better services to the customers.
Michaels customer survey Content Overview
- Michaels customer survey sweepstakes
- Survey Rewards and Prizes
- How to enter in Michaels customer survey
- Michaels survey Rules
- Requirements to enter in survey
- About Michaels
- Survey details
Michaels customer survey sweepstakes
Michaels needs your comments regarding products and its services to quantify your satisfaction degree. Then complete a brief questionnaire, In case you have made buy in a Michaels. You will be awarded to redeem the deal printed on the following receipt.
What are Michaels Customer First Rewards and Prizes?
- Validation code for discount your next visit
Note: The reward for completing this survey can change at any time. What your "Survey Reward" is, depends entirely on what's printed on your receipt. So be sure to check your receipt for details.
How to enter in Michaels customer survey
The way to get entry.
Online :
Throughout survey period, see www.mymichaelsvisit.com and enter the survey code and select the time of your last visit and click on the start button. Answers all the questions. After completing the questionnaire, you'll receive validation code free benefit.
Below are the steps to participate in Michaels Customer survey
- Visit Michaels survey website www.mymichaelsvisit.com.
- Choose your preferred language. Like English or Spanish or French.
- Enter the 22-digit survey code which is printed on your visit receipt.
- After select the time of your last visit located in your receipt.
- Then after click on the "START" button.
- Answers all the questions regarding to your last visit in the store.
- In last submit the survey.
Michaels Customer survey mymichaelsvisit.com Rules
There is some condition that one must fulfill in order to participate in the Michaels Customer Survey.
- You must be a legal resident of the United States.
- Your age must be 18 years old or older than it at the time of taking the survey.
- One can take only a single survey per recent visit receipt and can collect the prize for once only.
- Participant must be Understanding English or Spanish language.
- You are not allowed to redeem the Michaels Coupon Code for cash or any other alternative anyway.
- Staff members, officers, directors, and their close relatives are not allowed to enter the Michaels Survey.
Why I love this survey
This Survey comprises the surveys that based on the general trip experience of the consumers in the Michaels Restaurant. The questions are similar to workers and staff members behavior, cleanliness of the area, craft precision and time required in arrangement, reliability in payment and purchase, as well as etc get the chance to win a gift.
What is the requirements to enter in Michaels Customer Survey
Following things are require if you want to participate in Michaels Customer Survey.
1. Michaels store Receipt
To be able to take part in Michaels poll, an individual has to possess the receipt from the shop that is sonic. You'll find the questionnaire code this really is actually the invitation code to the survey.
2. A Computer or Mobile Device & Internet
You will require a computer device to get the website. You are able to get the website on your mobile device also if the computer is not available then.
3 Familiarity with languages
By default, the page will look from the English. But if you're not comfortable with English, then you have the choice to alter the language to the Spanish.
Why Customer Feedback Is Important for Michaels
Customer Feedback Matter for them
Customer feedback help create better customer experience in the future & improve their products and services.
Honest Answers from Great Customers
Honest answers from customers to survey questions is important for improving customer experience.
Timely Feedback
Customers timely feedback is important for Michaels to have your recent customer experience fresh, improve services & products in your mind.
About Michaels
The Michaels Companies, Inc. is North America's largest specialty provider of arts, crafts, framing, floral, wall décor, and seasonal merchandise for Makers and do-it-yourself home decorators. The Company owns and operates more than 1,200 stores in 49 states and Canada under the brands Michaels and Pat Catan's.
Survey details
Website : www.mymichaelsvisit.com
Language : English, Spanish, Francis
Sweepstakes :Validation code for discount your next visit
Policy : Terms
Read Also : FireHouseListens Survey
Final Words
Hopefully, We helped you to get some great information about Michaels Customer Survey. This poll is just matter of few minutes however, it helps the company in building future conclusions and enhancing the quality of the product.


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The PEX300WN2X2 PCI Express Wireless N Card (PCIe x1) adds high speed wireless network connectivity to almost any PCI Express-enabled desktop/workstation PC. Using a 2T2R (2 Transmitter/2 Receiver) design over the 2.4GHz frequency, this PCIe wireless card provides up to 300Mbps of data bandwidth over an 802.11n network, while improving signal reception and range.
Backward compatible with 802.11b/g networks (11/54Mbps), this WiFi N adapter offers a versatile wireless networking solution with support for standard and advanced security options such as WEP, WPA and WPA2, along with wireless Quality of Service (QoS) support and quick and easy setup through WPS.
This easy-to-install PCI Express 2.0 card is backed by StarTech.com's 2-year warranty and free lifetime technical support, making for an excellent wireless upgrade or first-time setup option.
More from the Manufacturer


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Net Zero Energy: Making a Positive Impact
Twenty years ago, many people were not familiar with the term "sustainability." Some had heard the word but didn't know the real meaning. Now we know. "Sustainability" is a catch-all phrase that speaks to many facets of the work we must do to combat climate change.
Building DialogueOctober 28, 2019
Design for human health provides financial returns
Until recently, many companies viewed their workplaces as independent of their core corporate responsibilities and sources of profit. Even when they did see the draw of investing in high-performance offices, companies
CREJDecember 17, 2018
Forest City being sold
Forest City has been a force in Denver for the past two decades. In 1998, the city of Denver named Forest City, now a real estate investment trust, the master developer of the former Stapleton International Airport. "Stapleton is one of the largest urban infill redevelopment projects in U.S. history," crowed the Cleveland-based Forest City…
Kris Oppermann SternAugust 16, 2018
Solar power is cool
Solar power is cool. Solar panels are so cool, literally and figuratively, they should be a key component of Denver's Green Roof ordinance, I believe. The importance of solar was driven home to me recently, as we are in the process of adding solar panels to the roof of our townhome. As part of my…
Kris Oppermann SternApril 30, 2018
NZE leasing explored at sustainability conference
NZE, or more precisely Net Zero Energy, leasing is the final panel at the Sustainability: Achieving the Next Level conference sponsored by the Colorado Real Estate Journal. You will want to stay for that panel, even if you don't qualify for the four hours of continuing education credit. The half-day conference, CREJ's principal Green Building event…
Kris Oppermann SternApril 18, 2018
Point: Realities of the Denver Green Roof Initiative
Denver has joined North American cities San Francisco and Toronto in enacting a regulatory mandate for green roofs. Green roof incentive programs have been used successfully for years in cities such as Chicago, New York
CREJJanuary 22, 2018
Counterpoint: The color green and being 'green'
With the passage of the Denver Green Roof Initiative, it has become very clear to me that that those of us in the business of building sustainable cities have some work to do in educating the public about the difference
CREJJanuary 22, 2018
Survey finds Energy Star remains indispensable
In early 2017, the White House's administration's budgetary draft recommended the Environmental Protection Agency start "developing legislative options and associated groundwork for transferring ownership and
CREJJanuary 8, 2018
LEED, WELL and Fitwel: Navigating rating systems
Rating systems are the language – the secret code – of sustainability. The right system can serve as a framework for creating spaces that are mindful of their environmental impact and support the health and well-being of the people
CREJDecember 24, 2017
Green roofs supported by Zeppelin
Green roofs were on developer Kyle Zeppelin's radar screen long before the initiative to require them on some buildings in Denver surfaced. The green roof initiative was adopted by Denver voters last month by an 8.6 percent margin. It was widely opposed by Denver's development community, with Zeppelin being the most high-profile exception. "Denver developers…
Kris Oppermann SternDecember 11, 2017


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This is a year of changes, and it is only May!
I for one, have never been great with change! The reality of the situation is that change happens whether I want it or not. The energy, time, emotion, and effort, that we spend could be used so much better if we didn't chase what we know can't be changed. For example, trying to help another who truly has no desire to change is a painful exercise that usually ends badly.
In just this year, I have seen so much change in such a short span of time–some good, some not so good.
Here are some questions to ponder when trying to decide whether your energy is being directed towards the appropriate target:
- Do I envision problems that are not really problems?
- Am I taking on other people's issues, on top of my own?
- Can I address each change, here and now, and enjoy the positive and deal with the less positive?
- Do you have a strategy or philosophy for change?


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Oracle sees autonomous capabilities of its database as a 'game-changer' not only to its future growth but also for the enterprise sector to store critical business information and for efficient operations.
The US software giant, with decades of database software and technologies and having a strong penetration in the enterprise space, is gearing up for the next growth phase in cloud services.
Its competitors offer the ability to automate scaling and backups but what Oracle is offering is intelligent and self-managing database by eliminating human administrative access with the power of artificial intelligence and machine learning in a bid to bring a high degree of automation to routine administrative tasks.
An autonomous database is a cloud database that eliminates complexity, human error and manual management associated with database tuning, security, backups and updates; tasks traditionally performed by the database administrators (DBAs).
"Oracle's response to autonomous is an absolutely critical element for dealing with enterprise-wide security as it gives a greater level of agility for organisations to differentiate and optimise their business, well beyond the competition," Richard Smith, senior vice-president, UKII, ECEMEA and South Clusters for Technology at Oracle told TechRadar Middle East.
Capital One…A good example
Capital One recently announced a data breach that has exposed personal information such as transaction data, credit scores, payment history, balances, and for some linked bank accounts, social security numbers of 106 million people across the US and Canada.
The data breach was an exploit of a configuration issue in a firewall, something that's typically rectified by routine security audits and controls. This incident shows how today's enterprise security deployments are increasingly complicated as the risk landscape is always evolving, Smith said.
Moreover, Smith said that Equifax was fined for not patching 2% of its database management while the rest were patched.
According to Domo's Data Never Sleeps 5.0 report, there are 510,000 comments posted and 293,000 statuses updated on Facebook, 456,000 tweets sent on Twitter, 46,740 photos posted on Instagram, and 16 million text messages sent, as well as 156 million emails, every minute.
"The number of security threats during any given week is very difficult for any human to deal with the volume of red flags apart from the number of skills which is required to do that. We take all of that risk away and allow our customers to focus on driving high growth," he said.
"Now, CIOs, CTOs and CEOs have to take the blame for a data breach but from an Oracle standpoint, we take the vast majority of that risk away with the deployment of autonomous capabilities".
Data is the new battleground
"The autonomous database is our responsibility to ensure that these types of breaches don't happen and the reality is that we announced autonomous capabilities some time ago and we have 100s of customers in production across the region," he said.
"Data is the new battleground but businesses are struggling to keep up with tight IT budgets and the volume of data growing exponentially", he said and added that Oracle is built on data applications portfolio more than four decades ago.
"The autonomous database removes all work traditionally deployed and managed by DBAs. It allows DBAs to move into higher-order roles and functions to optimise data for growth and expansion," he said.
DBAs role to evolve further
When asked whether automation will eliminate or pose a threat to careers of DBAs and IT professionals, Smith said that enterprises still need experts who understand where the data lives and what the data represents.
As machine learning becomes more prevalent, he said that DBAs role will evolve even further but it will not go away.
"Their roles and functionalities are changing. Traditionally, DBAs utilise 70% of their time in the traditional way of administration such as orchestration, provisioning and building the database environment. Now, with the autonomous database, it can all be done in less than 15 minutes.
In future, DBAs will become a very knowledge-based sophisticated worker," he said.
Oracle offers two types of autonomous databases – Autonomous Data Warehouse (ADW) and Autonomous Transaction Processing (ATP).
"Autonomous Data Warehouse is a capability that we are seeing now in the cloud. ATP, which will be launched soon, will allow customers to deal with autonomous capabilities and also deploy in a very scalable environment to allow customers to scale up or down, with their computing requirements around transaction processing," he said.
Based on deep machine learning and artificial intelligence, he said that autonomous capabilities are built on every component of the portfolio.
Ahead of competition
Smith said that an autonomous database is an integral aspect of Oracle's growth strategy going forward. Moreover, he said that Oracle is in the process of rolling out its 'Generation 2' Oracle cloud infrastructure.
"The combination of our Generation 2 cloud and autonomous data warehouse is intrinsically linked to our success going forward," he said.
Generation 1 cloud places user code and data on the same computers as the cloud control code with shared CPU, memory, and storage while Generation 2 cloud puts customer code, data, and resources on a bare-metal computer, while cloud control code lives on a separate computer with a different architecture.
Oracle has in excess of 5,000 trials on ADW in the last quarter and hundreds of customers are in the process of moving to full-scale adoption.
"We are hugely excited about the potential that it represents to our business. What the competitors are doing is in and around the infrastructure environment, it has predominately been a focus on compute and storage at a better cost-based advantage," he said.
But, he said that Oracle's focus has been twofold and different.
"First, our Generation 2 technology on high-end security and provisioning; and the second is our autonomous database capabilities. There is no vendor in the marketplace today that offers the kind of autonomous capabilities which we offer. We are years ahead of others in the industry," he said.
According to KuppingerCole, Oracle has been named as this year's overall leader in database and big data security.
Hybrid: An important element
A lot of the cloud providers' attention over the past five years has been on the infrastructure level but Smith thinks that the cloud environment over the next few years will continue to evolve in two key directions.
"Firstly, we do not believe that one cloud provider is the necessary answer to every single customer.
Second, the hybrid is going to be a very important element in future and, at the same time, security and interoperability are also becoming critical elements," he said.
- Oracle eyes all of its on-premise customers in MEA on to cloud in two years
- Digital journey should be naturally pushed by CEO, CFO and CIO
- Regulation and education are biggest barriers to digital transformation


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Revenue from contracts with customers
This session was devoted to discussing several issues relating to the transition requirements in Appendix C of IFRS 15 that emerged at the July 2015 meeting of the Revenue Transition Resource Group (TRG). The IASB Technical Manager introduced the session, noting that stakeholders had raised questions with respect to the definition of a completed contract and the accounting treatment for such contracts after the date of initial application of IFRS 15. He noted that the IASB staff believed the transition requirements were clear and therefore recommended that the IASB not propose any related amendments to IFRS 15. He highlighted that the FASB had tentatively decided to clarify that a completed contract is one for which all (or substantially all) of the revenue was recognised under previous revenue Standards; and to amend the modified retrospective transition method to permit entities to apply the new requirements to all contracts, including completed contracts at the date of initial application of Topic 606.
There was discussion around the issue of divergence if the IASB did not propose similar amendments to those proposed by the FASB. The IASB Vice Chairman reminded the IASB members that the IASB had set a high hurdle for making changes, and noted that he agreed with the IASB staff that this did not meet that hurdle. It was acknowledged that although this was a converged Standard, the IASB and FASB came from different starting points and that inevitably, transition would be different. It was also highlighted that this difference would only result in divergence on transition that would wash out and not create a permanent difference.
One IASB member expressed a preference for the FASB's approach, noting that he did not like the way 'completed contract' was construed, and that the FASB's approach eliminated potential structuring opportunities. He further noted that he did not believe that the potential disadvantages that making amendments would have on companies early adopting IFRS 15 (and using the modified retrospective approach) outweighed the benefits of being aligned with the FASB on the issue.
Another IASB member stressed the importance of sending the message that the IASB's hurdle for making changes was a very high one, and agreed that these issues did not meet that hurdle.
A further IASB member noted that it was important that people understood that there could be situations where an entity had a contract that had been 'completed' under current IFRS but there was some unrecognised revenue. And further, if the entity concluded that the contract was not a completed contract under IFRS 15, then the entity was required to apply IFRS 15 to the whole contract, not just the unrecognised portion.
She further highlighted that in situations where entities had a large population of contracts that were complete but the revenue not recognised, those entities should think carefully about whether taking the modified retrospective approach would be appropriate and provide useful information to investors. For example, in situations where the 'run off' from the completed contracts had the potential to distort revenue trends this should be a consideration in deciding between using the modified retrospective approach or the full retrospective approach.
Twelve of the thirteen IASB members present agreed with the staff recommendation not to undertake standard-setting regarding the issues discussed.
All thirteen IASB members present agreed with the staff analysis of the transition requirements in Appendix C of IFRS 15.


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- Online only
Rose Vase
Purity of form and originality meet there for an elegant result.
Our Rose vase remains harmonious by its shape and material.
Its flared neck is ideal for accommodating your most beautiful bouquets of freshly picked flowers.
This stoneware vase, handcrafted in our workshop in Normandy, will become a centerpiece of your decoration.
Height: 23cm
Diameter (base): 11.5 cm
Diameter (collar): 19 cm
Weight: 1.6 kg
Material: Sandstone
At Margidarika, we believe perfection is superficial.
All of our items are handcrafted.
The material and the enamel can produce variations in colors and textures.
Anything that seems imperfect to you makes our pieces unique.