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What is Return on Investment (ROI)? Return on Investment (ROI) is a performance measure used to evaluate the returns of the investment or to compare efficiency between different investments. ROI actions the return of the investment in accordance with the price of the investment. Where "Gain from Investment" refers to the money produced from the sale of the investment, or the upsurge in value of the investment whether it comes or not.
Return on investment helps determine which investment opportunities are preferable to others. 100. These two investments are risk-freeRisk and ReturnIn investing, risk, and come back are highly correlated. Increased potential returns on investment usually go hand-in-hand with an increase of risk. Different types of risks include project-specific risk, industry-specific risk, competitive risk, international risk, and market risk. 400 for Investment B next season. Calculating the Return on Investment for both Investments A and B would give us a sign of which investment is better. 300%. In this example, Investment A would be the greater beneficial investment.
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1. Because the Return on Investment is portrayed as a percentage (%) and not as a money amount, it can get rid of confusion in buck-value results. 50,000 buying new condominiums. Only if these details are given, you may presume that Investor B retains the better investment.
50,000 income. These additional facts illustrate that the buck value of coming back bears no significance without considering the price of the investment. 25%. Therefore, Investor A actually retains the better investment. 2. The time horizon must be considered when you want to compare the ROI of two investments. For example, Investment A has an ROI of 20% over a three-year span of time while Investment B has an ROI of 10% over a one-year time span. If you were to compare these two investments, you must make sure enough time horizon is the same.
The multi-year investment must be altered to the same time horizon. To arrive at an average annual return, follow the steps below. ROI can be used for any type of investment. The only variant in investments that must be considered is how costs and earnings are accounted for. Here are two examples how return on investment can be commonly miscalculated.
Stocks: Investors commonly neglect to incorporate deal costs and dividend payouts Dividend vs Share Buyback/RepurchaseShareholders spend money on publicly traded companies for capital understanding and income. You will find two main ways that a company profits income to its shareholders – Cash Dividends and Share Buybacks. The reason behind the proper decision on dividend is talk about buyback change from company to company into the ROI of stocks.
Transaction costs are a price to your investment while dividend payouts are a gain to your investment. The investor must consider both transaction dividend and cost gain to get an accurate come back calculation. If this is not done, the ROI would be misrepresented. Real Estate: Investors commonly fail to incorporate local rental income, taxes, insurance, and maintenance in the return on investment calculation of real property.
Rental income is a gain to your investment while taxes, insurance, and upkeep are costs to your own investment. It's important to account for the expenses and benefits of your investment throughout its entire lifespan, rather than simply taking the finish of investment value and dividing it by preliminary cost. Download CFI's free ROI Calculator in Excel to perform your own analysis.
The calculator uses the good examples described above and was created so you can simply input your own numbers and see what the result is under different scenarios. The calculator addresses four different methods: net income, capital gain, total return, and annualized come back. The ultimate way to learn the difference between each of the four strategies is to source different quantities and scenarios and find out what goes on to the results.


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Technical Progress
- AnkrETH vault has been created and is currently stable for production usage.
- STONE farming app has added custom allowance functionality as an additional safeguard to limit user's exposure.
- In the progress of adding DEX based LP token vaults.
- Stablecoin vaults have been up and running for 4 weeks with stable returns.
Project Progress
- STONE team conducted AMA via Satoshi Club (Telegram). — Satoshi Club AMA Recap.
- STONE team arranged and participated in the Gains AMA.
- STONE organized and undertook the GFA AMA.
- Nominated by Mandy's ICO Research (Twitter:@mandyb675) as one of the most trending IDO list.
- Nominated by The Dude (Twitter:@Dudesignals) and on his watchlist.
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subset: commoncrawl


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Students at Turlock Christian High School will be able to get a jumpstart on their college educations this year, thanks to a new variety of dual credit courses that will be taught on campus.
In conjunction with Concordia University Irvine, TCHS now offers five classes straight from CUI that will allow students to earn college credit at a reduced cost before graduating high school. Two science courses (Principles of Biology and General Chemistry), two English courses (Experiences in Writing and Introduction to Literature) and one math course (Introduction to Statistics) will be taught by TCHS instructors at the high school, setting the school apart from other similar programs which feature dual credit courses that can only be taken online.
TCHS Principal David Schnurstein, who is entering his second year at the school, was inspired to bring dual credit opportunities to his students after taking part in a similar program while working in Illinois. The caliber of teachers at TCHS has made it possible, he said, as those who will be teaching the dual credit courses have above average qualifications and experience.
Combined, the instructors for the courses boast a PhD in Biology, a master's degree in Biostatistics and a Masters in Literature, as well as experience teaching at University of California, Los Angeles, Wake Forest University, Merced College and Modesto Junior College.
Dr. Natasha Gebhart (Biology), Suzie Baba (Chemistry), Katie Garcia (Statistics) and Merri Strand (Literature) will be teaching the courses.
"Because of their abilities and their degrees, Concordia has agreed to take them on as adjunct instructors," said Schnurstein. "The quality of our faculty is really what has allowed us to do this. Without them, we have no program."
Though the courses being offered are from the CUI general education track, other colleges including Pepperdine University, Point Loma Nazarene University, UCLA and University of Southern California have agreed to accept the credits as well.
According to Schnurstein, about 75 percent of TCHS graduates attend a four-year college after graduating, while an additional 25 percent go on to a two-year college. If a student were to take all five dual credit courses offered at TCHS during their high school career, they would enter college with 17 credits already completed. A full-time student typically takes between 12 to 15 credits per semester.
"College is expensive, and this will certainly add up if you only have to pay for seven semesters as opposed to eight," said Schnurstein.
In addition to saving students and their parents money, dual credit courses at TCHS will also prepare those enrolled for the rigors of college classes.
"One thing that colleges look for is what classes students took in order to prove that they can handle the rigors of what college is going to be handing them," said Schnurstein. "When they see on the transcript that a student was successful at these courses, it goes a long way in showing that they're ready for what colleges are going to be dishing out to them."
Each course follows a syllabus that is also used by professors at CUI, and costs $90 per credit hour. The courses are a preferable alternative to Advanced Placement classes, added Schnurstein, since if a student passes the class, he or she automatically receives credit. In AP courses, a test must be taken and passed at the end of semester in order to receive credit, regardless of the letter grade a student received in the class.
"AP classes are like going to Vegas and putting all of your money down on one number," said Schnurstein. "If you don't pass that test, you don't get to go back and say, 'Hey, can I try that again?"
"This way, our kids automatically get the credit just by taking and passing the class."
Schnurstein pointed out that the dual credit courses also allow students to take general education college classes while they still remember the content. For example, if a student takes Chemistry during his or her sophomore year of high school, that student can then take General Chemistry during junior year while the information is still fresh. This will help students avoid the hassle of taking general education Chemistry courses in college years after their first Chemistry course, said Schnurstein.
"You get that course knocked out, and now you don't have to wait three years and see what you remember when you get to college," he said.
Schnurstein hopes that offering dual credit courses at TCHS will increase the number of students who attend a four-year college well past 75 percent.
"We're excited about this program," he said. "I've seen it work while in Illinois and it worked well, so I think this will work here."


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Children bite. Without fail and at various ages, they bare tiny chiclets of bone and clamp down on a nipple, a toy, a playmate, a piece of clay, or their parents, who sometimes (playfully) bite back. But what happens when a parent bares their teeth, too, sinking into their child's skin and leaving scars that last a lifetime? That's the pivotal moment shaping the events in Kristen Arnett's With Teeth, a novel that explores the desire to be seen, the ways love and violence so often writhe together, and the horror of inescapable self-absorption. Sammie is a gay mom living in Orlando with her handsome wife Monika and their young son, Samson. Since his toddler years—when he happily allowed a stranger to lead him away from the playground—Sammie's become convinced something sinister underlies Samson's (seemingly) abnormal behaviors. When he bites other children and develops an obsession with a homemade golden doll of himself, Sammie reacts as though she's discovered her child is the spawn of Satan.
After 9-year-old Samson bites her, Sammie makes the shocking, split-second decision to bite him back, leaving an imprint of her teeth in his skin. "She wedged them in, deep, and then they were both looking at each other, engaged in some terrible battle to see who'd be the first to let go," Arnett writes in the tense scene. With this, Sammie makes a pact of secrecy with Samson. In her mind, hiding this act of violence from both Monika and Samson's therapist gives her and her son control over each other while also bringing them closer together. But Sammie's proposition merely widens the chasm between them, increasing her paranoia and making it difficult for her to see her own flaws. After biting Samson, Sammie begins imagining herself as a victim of both her wife and her son. But as we learn more about Sammie, we see that her narrative can't necessarily be trusted, especially when it comes to owning her role in her family's dysfunction. From there, With Teeth almost has the feel of an "Am I the Asshole?" subreddit. At many points, Sammie is indeed the asshole, but she continues to unsuccessfully seek validation for her flawed perspectives.
There's an idea that the matriarch holds the key to every family's archives of truth. She's the keeper of memories, so when seeking the truth, one must seek her. For Sammie, the opposite is true. Her role as an unreliable narrator is established early on, especially when it comes to Samson, whose behaviors aren't as malevolent as she imagines. She's just as complicit—if not more so—as her partner Monika in the obfuscation and muddlement of the truth of their family. But isn't that the way of life? Does the keeper of memories ever really exist? "Everybody in the household is an unreliable narrator," Arnett told Bitch. "All families share stories. Sometimes those stories aren't nice stories. But even a story that wasn't nice gets turned into something else according to who's telling it." As a character, we can't always trust Sammie's account of events. But can we trust Monika's, or Samson's? In most families, Arnett says, "No one's giving a true account of what's happening. It's too hard to be like, 'Here's the truth. And here's a lie.' I think it's usually some mix or hybrid of those things. You're telling a story of a memory and those things are very much cloaked in how we perceive the other people in our household."
But for Sammie, the burden of being a woman who can't be believed weighs heavy. Her family doesn't gather happily at her feet to hear her version of their stories. She's not the moral compass; she's drifting. In other words, she's failing to live up to the impossible standard of cisheteronormative motherhood that society has offered her. Her body and psyche have been altered by birth, and she's isolated in the very home where she feels confined. Is it any wonder her perceived failure in this arena alters her ability to see herself—or anyone else—clearly? There may be no heroes in a family, but the family unit itself becomes the hero we root for. Though Sammie's family has everything it's "supposed" to—Samson has a stable home and a good education, and everyone is in therapy—it's still floundering. Our hero falls down in the first part of the book, and they never get back up.
The proprietary obsession Sammie has with her son is the source of her indifference toward him, but an intense need to control Samson—gained mostly through shaping the narrative about him or marking her ownership over his existence, rather than controlling his behaviors—is magnified after she bites him. As Arnett writes, "She'd see the flash of her own marks imprinted on him, the tattoo of it branding him as her own." Samson is the center of her life, but the version of Samson she's created seems like a different person than the version Arnett allows the reader to see. Like the golden doll he carries around, Sammie has made her own son the embodiment of a horror trope, but she's largely uninterested in him as a person. She freaks when her son rejects being her namesake and requests that his teacher and classmates refer to him as Tommy. She sees his self-assertion as yet another creepy behavior, but it's actually incredibly common for children—for everyone, really—to experiment with different names as they attempt to express their identity. And for Samson, whose mother regards as a threat, calling himself Tommy might be his way of forcing her to see him beyond her own anxieties and self-involvement. After all, Sammie knows almost nothing about her son.
Even when he's a teenager, she can recite a litany of his failings or describe the porn he likes to watch, but she still doesn't know his favorite color. It's this moment in the book, when Sammie asks Samson about his favorite color in a misguided attempt to bond and he reacts with disbelief at her lack of knowledge, that Arnett describes as the second, less pivotal moment for Sammie—the first being her snap decision to bite her son and hide the truth. "There was this moment where she could have said, 'I really have fucked up in some ways. My kid has shared stuff with me, and maybe I just haven't listened. Maybe I'm very complicit in the fact that my relationship is fractured with him," Arnett says. "But instead, she kind of chooses to go about that situation in a way where she's very self-pitying. She's like, 'It makes me feel bad that I don't know anything about him,' instead of saying, 'I do want to know more about you. You're right. I'm sorry."
No one's giving a true account of what's happening.
It's Sammie's frustrating tendency to always choose the most myopic path or point of view that Arnett says is "fascinating," and makes for a "very messy character." It's ironic that Sammie's desire to be seen is so shamefully obvious to everyone she comes across because many of them do see her; they simply don't like what they see. Her desire to be seen makes her a voyeur into others' lives, where she transposes her own anxieties and desires onto them. She creepily hangs out in her neighbor's backyard, reads her wife Monika's love letters from another woman after they separate, and snoops through Samson's room. Even when we zoom out from these vignettes, we still don't move past Sammie. We're simply introduced to different ways of seeing her, of doubting her, which only intensifies the claustrophobia. We're not only living in Sammie's home, her family, and her mind—we're also reading a "call is coming from inside the house" novel, though the book begins with a stranger attempting to abduct Samson from a park. As the book progresses, Arnett says that terror "quickly kind of turns on its head. The 'scary' stuff that's happening is all happening inside the family."
Sammie frequently mourns the life she and Monika had before they began to take on the trappings of an existence more associated with a cisheteronormative script—first marriage, then a house in the Orlando suburbs, and then parenthood. Arnett, who has lived in Orlando all her life, says queer families are often "not set up for success" in the mostly conservative state of Florida. "I wanted this book to be about gay moms, but I wanted it to be about gay moms who are failing in kind of important ways," she says. "Finding your own community, building your own kind of family…what does that look like when you introduce kind of heteronormative stuff, like getting married and deciding to have children, and those decisions don't fit in with this kind of queerness that's available to you? If that community disappears, what would that feel like?"
Arnett portrays her hometown as a unique literary world full of queer people, but the community spaces don't reflect the population, perhaps because of the state's politics. "It's very difficult to find spaces [in Orlando]," Arnett says. "There were like three gay bars there. Pulse happened. Then there were two." When asked if Sammie and Monika have possibly been failed in some ways by their previous queer community—built before their marriage, home, and son—Arnett says that's "just asking too much of a community that's like already kind of struggling." You have to consider the threat of violence in the region and how Sammie and Monika figure out which places are safe for queer couples. And yes, Sammie's self-pity about her lack of community can be frustrating because, as Arnett says, the character can be passive, merely allowing things to happen to her instead of seeking out what she wants. But what is there for her to seek, exactly? Even taking into account the character's self-involvement, it's easy to see that opportunities for queer community are extremely limited for her and her family, including Monika, whom Sammie perceives as existing effortlessly.
But with each step they take into this world, Sammie, Monika, and Samson become more isolated and yet more visible—an island unto themselves contained in a cage, with everyone walking past and smudging sticky fingers against the glass. Perhaps that's why it's impossible for Sammie to believe she isn't invisible. She's surrounded by people, yet so tragically alone. And doesn't that feel like a sort of madness? Feeling unbelieved, as if she might be "crazy," is a consistent form of distress for Sammie, one that makes Arnett give her character a moment of "catharsis." Because as unreliable a character as Sammie is, the reader knows she's not a liar. Within her narrative of events is some kind of truth, and within her experiences is a denial of that truth. We just can't pinpoint where. Many writers who create unreliable characters or obscured truths have a fixed version of their world's reality contained within their heads, inaccessible to the reader but always known to the author. Arnett doesn't. "Every time I think about how families work or what truth is, my feelings about different parts of the book change," she says. "It's not a static feeling, which is in keeping with how I feel about household narratives."


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Look at your feet! Tripod foot! Ideally, as you pull your foot is creating a rigid "tripod"with your 1st metatarsal, 5th metatarsal, and your heel. Weight would be evenly distributed across the three points and give you a solid and stable base with which to drive into the floor. Fairly often I see people in the gym fail to achieve this position. It seems that when the lifter pulls he is driving his tibia into the floor pronating his foot, thus "bleeding" force out through the inside of the knee, rather than keeping it neutral. Sometimes that can result in knee pain,sometimes not, but regardless of pain it is not going to be an optimal position to translate force. If you fall into that category, you may need to look into better footwear for your deadlift. More often than not, something funky is going on with your hips that needs to be corrected before you are going to be able to get that foot right. Strength Workout (SWOD) A1. 3 x 5 Deadlifts A2. 3 x 10 External Band Rotations Workout of the Day (WOD) 1000m Row 20 OverHead Plate Lunges (45/25) 30 Burpees 20 OverHead Plate Lunges 800m Run ]]>
Miss-Fit Galveston BootCamp May 13th
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Miss-Fit Galveston BootCamp May 13th


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Eagle Eye Networks Hardens Portfolio With 'Cyber Lockdown' Feature
The cybersecurity measure has been released as part of the Eagle Eye Security Camera VMS.
AUSTIN, Texas – Eagle Eye Networks has added an anti-data breach feature it calls "Camera Cyber Lockdown" to all of its products. The safety measure is said to block security cameras from communicating with the Internet, stops them from being attacked and compromised, and prevents malware that may have been implanted in cameras to communicate over the Internet.
Camera Cyber Lockdown effectively makes all cameras secure from cyber attacks regardless of the quality of their software or the regular application of software updates, according to the company. In addition, the safety measure can detect if an unwarranted communication attempt is made and, if so, will alert users.
"Our goal at Eagle Eye Networks has always been to make the most cyber secure systems for video surveillance in the world," CEO Dean Drako says. "We work on security every day. We have worked hard to make our cloud services cyber secure and are happy that we can extend that security all the way to the camera endpoints."
Security camera DVRs often come configured with telnet and web interfaces enabled, allowing users to configure the devices and view security footage over the Internet. These security weaknesses make them vulnerable to attacks. Checking security cameras and DVRs to determine if they have been compromised is not a simple task, according to Eagle Eye Networks.
Integrator Perspective
"As an integrator we offer a variety of services and solutions to our customers to cover a wide range of applications from small business to enterprise organization," says Rich Mellott, director of product management at Stanley Security. "At the local level we do a lot of small commercial and industrial installations that are very price competitive and often times it requires us to leverage cameras that are not cyber hardened like our enterprise offerings. In those applications, the Eagle Eye technology allows us to provide a much more robust network solution with the camera cyber hardening to lockdown the security solution in an otherwise open and higher risk environment."
READ NEXT: Hikvision President Chats With SSI About Cybersecurity, Privacy Concerns
The Eagle Eye Camera Cyber Lockdown separates the cameras from the Internet onto an isolated, protected network so they cannot be compromised or used maliciously, according to the company. The safety measure is implemented in the bridge or cloud-managed video recorder located on the premise. The Eagle Eye Cloud-Premise Flex Storage feature allows video to be stored in the cloud or on premise, but still be managed in a consistent fashion. Regardless of where the video is stored, the Eagle Eye video is encrypted both in transit and at rest and the Camera Cyber Lockdown will block the attacks from and to the cameras, according to the company
A whitepaper is available to learn more about Camera Cyber Lockdown.
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Chris Williamson, the Derby North MP regarded by some as a controversial figure, and a staunch supporter of Jeremy Corbyn as leader of the Labour Party, is the guest speaker at the next meeting of the Croydon Assembly.
Williamson will be speaking at Ruskin House next week on "How do we defend a Corbyn-led government".
The proposition of a Corbyn-led government may have seemed far-fetched even quite recently, but following the wave of support Labour attracted at the 2017 General Election – when Williamson was returned to parliament after a two-year absence – and the shambles of the Tory government over Brexit since, Corbyn's Labour is now leading in the opinion polls.
Williamson was suspended by Labour in February for his comments about the party's response to criticism over its handling of allegations of antisemitism within the party, but he remains an MP and continues to vote with Labour in the Commons.
Williamson will be speaking at the Croydon Assembly at Ruskin House from 7.30pm on Thursday, May 9.
He's written recently, "The policies Labour has adopted since Jeremy Corbyn was elected to lead the party have the overwhelming support of the British public.
"But the obsession in certain quarters with Brexit and a second referendum are unhelpful, and have the potential to strike a fatal blow against the prospects of delivering a common sense socialist government. But that's not the only barrier. The need for strength through unity to provide solidarity with those unfairly criticised and misrepresented is being severely tested.
"However, the storm we're currently enduring is nothing compared to the full blown hurricane of attacks we'll face from the Establishment and vested interests, should Jeremy get the keys to 10 Downing Street. We therefore need to be ready by building an unstoppable social movement to help secure and then defend what will be our elected government.
"Remember, a Corbyn-led Labour government would have the potential to bring about an irreversible shift in the balance of wealth and power in the UK. And that's a prize worth fighting for."
Tickets for the event are free, but places do need to be reserved in advance.
Click here for more information and to register.
- Please support Inside Croydon's award-winning, news-breaking local journalism. It's just £4 per month, and you qualify for special discounts and offers. Click here to sign-up as a donor
- Inside Croydon is a member of the Independent Community News Network
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- Inside Croydon named Journalist of the Year at 2018 Anna Kennedy Online Autism Heroes Awards
- ROTTEN BOROUGH AWARDS: For two consecutive years, 2017 and 2018, Inside Croydon has been the source for two award-winning nominations in Private Eye magazine's annual celebration of civic cock-ups
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- If you have a news story about life in or around Croydon, or what to publicise your residents' association or business, or if you have a local event to promote, please email us with full details at firstname.lastname@example.com


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Along with growing signs that U.S. and Cuban embassies are set to open soon—a move that will boost our diplomatic influence in the region—there've been more than a few signs that the U.S.-Cuba relationship is moving forward and not looking back.
Source: #CubaNow Briefing: U-S.-Cuba Relations Warm Up Going Into Summer.
The two governments and the two countries don't need to ignore their troubled past. They just need to put behind them but with transparency and candor, whether about U.S. plots to assassinate Fidel Castro or CIA-based allegations that the Cuban government was somehow complicit in JFK's assassination.


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San Juan
San Juan Accessible Tours and Cruise Excursions
San Juan is one of the most welcoming and culturally rich destinations in the Caribbean! Not only is it a very fun and vibrant place, it also offers friendly island culture, modern city, tropical allures and of course the Old World wonders of Old San Juan. Our accessible San Juan tours and excursions are suitable for visitors of all ages and interests. With the help of our professional tour guides and drivers, specialized in touring with disabled clients, you will get to explore and visit famous San Juan attractions and landmarks, museums, parks, beaches and much more!
Highlights of San Juan Accessible Tour or Shore Excursion
Our most popular tour in San Juan!
The Highlights of San Juan Accessible Tour or Shore Excursion is an opportunity to see the best and most accessible sites during your time in the captivating city of Puerto Rico that is rich in beauty, culture, and history. Explore the historic San Cristobal Fort and stroll along the beautiful Paseo de la Princesa – all without worrying about accessibility!
Accessible 4 Hour San Juan Bacardi Experience
On this fun 4 Hour San Juan Bacardi Experience, you'll get a unique opportunity to explore the history and craftmanship behind the world's most awarded rum, Bacardi. This tour is fully accessible using wheelchair friendly transportation and routes throughout.
Accessible 4 Hour San Juan Beach Excursion
This fun 4-Hour San Juan Beach Excursion is a wonderful way to enjoy a relaxing, worry-free time by one of the many beautiful beaches in Puerto Rico. This accessible beach offers a flat layout, with accessible restrooms available and a special beach wheelchair to help you navigate the sand easily.
|Not now, but send me Accessible Travel Tips


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Stony Brook University students may be more awake in class tomorrow morning after a Starbucks truck rolls onto campus.
The Starbucks truck – one of only eight in the United States and the first ever in New York State – will serve the retailer's full line of hot and cold beverages, along with pastries, breakfast sandwiches and lunch items, beginning Thursday at 9 a.m.
The truck will be stationed near the Student Activities Center.
"It's all about providing convenience for students, and the location is the center of campus life," said Angela Agnello, director of marketing and communications for the Faculty Student Association at Stony Brook. "And since it's mobile, we can move it if we need to for special events."
The truck joins stationary on-campus Starbucks locations at Roth Food Court, Stony Brook University Hospital and the Stony Brook Union; the latter will be replaced by a new Starbucks at Melville Library later this fall.
The truck will operate Monday through Friday from 9 a.m. to 2 p.m. and from 4 p.m. to 9 p.m., accepting students' meal plan and "Wolfie Wallet" dollars along with traditional forms of payment.


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This item is available on the Militant Islam Monitor website, at http://www.militantislammonitor.org/article/id/3049
July 13, 2007
MIM: Linda Sarsour is the director of the Arab American Association of New York. In 2005 she organised the Arab American Heritage festival together with her friend Dhabah aka Debbie Almontaser, the principal designate of The Khalil Gibran International Academy. In a 2004 article Sarsour revealed that Arab men pictured in an Arab newspaper recruiting suicide bombers for martyrdom were relatives and friends - one of them was her brother in law who is serving a 12 year sentence for his involvement with Hamas. Sarsour's husband is facing deportation and she was "questioned by US authorities". One reason could be that her husband together with his brother and Sarsour's cousin, may have been involved in Hamas activities as well. He comes from El Bireh and his name was given as Maher Judh" in the article below. Note that Sarsour too "was questioned by US authorities".
According to the article
The paper carried fervent slogans calling on young people to become martyrs in the conflict with Israel.
Sarsour, a 24-year-old Palestinian-American, sighed. One of the men, she said, was a cousin who has been in Israeli jails for 25 years. The other man, she said, was a family friend serving a 99-year prison sentence in Israel.
Her brother-in-law, she said, is also serving a 12-year sentence, accused of being an activist in the Hamas, the religious militant group, though, she said, he was secular in his beliefs.
Despite those concerns, she said, she was more worried these days about her own future in America, She said she had been questioned by U.S. authorities, and her Palestinian husband, after seven years in America, faced deportation proceedings.
MIM: In a quote an article in 2006 Sarsour who is on the board of The Dialogue Project complained that:
"Israel is there, and it is going to be there whether we like it or not," a
coordinator for the Arab-American Federation, Linda Sarsour, said. "We have
to learn to deal with that." http://www.nysun.com/pf.php?id=25814
MIM The 2005 Arab Heritage festival was welcomed in a speech by Mayor Bloomberg. The festival is currently taking place from July 9th until July 15th at various locations in the city. The sponsors include the Arab American Family Support Center [AAFSC] the main partnering organisation of KGIA and the AAANY. Alwan for the Arts [also a KGIA partner] published a program on their website which includes an act whose first name is given as "hijacker". (see text below).
Linda Sarsour has also attempted to shift attention away from her Hamas connections and construct a moderate facade by joining the board of the Dialogue Project an interfaith group which brings Israelis and "Palestinians" together to talk about peace and love. The organisation was started by her friend and colleague Dhabah Amontaser. KGIA advisory board member Khader El Yateem's vitriolic diatribe against Israel on a PBS program about Arabs in America so outraged Abraham Foxman of the ADL that he wrote to the chairman demanding that El Yateem's sequence be cut.
Foxman of the ADL objected to the documentary's profile of Pastor Khader El-Yatteem in a Sept. 4 letter to PBS's John Wilson, co-chief programmer. Foxman described the profile as a "nothing more than a diatribe against Israel" that was irrelevant to its stated objective of examining the impact of Sept. 11. He asked PBS not to broadcast it again. http://www.current.org/ptv/ptv0217crossfire.html
Excerpt from Abe Foxman's letter to PBS:
Indeed, the profile of Minister Khader El-Yateem, who considers his homeland Palestine, was nothing more than a diatribe against Israel and completely out of place in a program purporting to deal with the after effects of 9/11. As were the many viewers who communicated with us, we were shocked, outraged and felt misled by PBS.
Caught in the Crossfire is not what it claims to be and, therefore, we urge you not to replay it.http://www.militia-watchdog.org/media_watch/tv/letter_pbs2.htm
Ironically The ADL's NY head Joel Levy wrote an open letter to the NY Sun in supporter of Almontaser and the KGIA lauding her interfaith efforts and annoucing that his group would work together with Khalil Gibran. http://www.adl.org/media_watch/newspapers/20070507-NYSun.htm
Both Sarsour and El Yateem are quoted in the article below. Note that Sarsour is described as an "Palestinian American activist" and that her jailed cousin was "accused of being an activist in the Hamas".
Interfaith Events co-chair - Linda Sarsour is a Palestinian American activist, who with Eddy has created dialogue interfaith study sessions around ideas about forgiveness, justice and charity. A mother of three, Linda is the Muslim community outreach liaison for Lutheran Hospital Medical Center. Linda also serves on the Board of the Arab American Association and will work as an outreach coordinator for The Dialogue Project's new program SPEAKING ACROSS DIFFERENCES
Rev. Khader El Yateem is the Palestinian Christian Minister of the Salaam Arabic Church in Bay Ridge Brooklyn. He serves the Lutheran Church Council on special missions throughout the world and is particularly involved in poverty and hunger issues. Father El-Yateem participates in a Brooklyn Dialogue Circle, hosted by the Arabic Church. Rev El-Yateem grew up in Beit Jala, Palestine. http://thedialogueproject.org/Board/board.htm
Kerry Drew Disenchanted Arabs in Bay Ridge
By Sarmad S. Ali
As the presidential election grew near, Linda Sarsour sat in her small office at the Arab-American Association in Bay Ridge, Brooklyn, looking at the photos of two thickly bearded young Arabs on the front page of an Arabic-language newspaper.
The paper carried fervent slogans calling on young people to become martyrs in the conflict with Israel.
Sarsour, a 24-year-old Palestinian-American, sighed. One of the men, she said, was a cousin who has been in Israeli jails for 25 years. The other man, she said, was a family friend serving a 99-year prison sentence in Israel.
Her brother-in-law, she said, is also serving a 12-year sentence, accused of being an activist in the Hamas, the religious militant group, though, she said, he was secular in his beliefs.
Despite those concerns, she said, she was more worried these days about her own future in America, She said she had been questioned by U.S. authorities, and her Palestinian husband, after seven years in America, faced deportation proceedings. So, like many Arab-Americans in the Bay Ridge area, she had hoped that Tuesday's election would end the presidency of Republican George Bush. With that goal in minx, she worked to turn out voters for Democratic challenger John Kerry as part of a broader effort led by the Arab-Muslim American Federation and the Salam Arabic Lutheran Church, two major centers for Arab life in the neighborhood.
"I'll never lose this chance to vote Bush out," Sarsour said before the election. "Bush has long been backing Israel with cash and weapons against my own people."
Although the Arab population in New York is not as large as it is in other states in the country, the Arab-American vote was still regarded as significant.
Bush contended during the campaign that his war in Iraq and his widespread campaign against terrorism were spreading freedom and making the United States safer. He also argued that ultimately his strategy would bring greater stability to the Middle East.
However, Arab-Americans in Bay Ridge often saw his record differently.
"Bush is the source of our present troubles so I don't think any honest Arab will vote for him," said Abdel Kareem Al-Qawass, 48, a Jordanian calling cards vendor.
Many blamed Bush and his foreign policy for what they regarded as a growing feeling of insecurity around the globe.
"When Bush declared the war on terrorism, he, in fact, expanded the arena of threats all over the world," said Al-Qawass. "Now Italy is a target because it has illegal military presence in Iraq as well as Spain and many other countries."
Since the Sept. 11 attacks, many Arab-Americans also have complained about being unfairly treated by suspicious government officials.
"As Arabs, we've suffered a lot under Bush's rule," said Khader El-Yateem, 35, pastor of the Salam Arabic Lutheran Church. "Many Arabs were interrogated by the FBI and the police for no obvious reason just because they are Arabs." He said that while older Arab-American immigrants sometimes leaned toward the Republican Party, recent immigrants were "all Democrat."
Citing the Democratic Party's stances on the Iraq war and the Palestinian issue, El-Yateem echoed the view of many Bay Ridge Arabs that the Democratic Party had a better understanding of the thorniest problems the Arabs have with the West.
El-Yateem said that former Democratic President Bill Clinton met with Palestinian leader Yasser Arafat and invited him several times to the White House to discuss the Palestinian issue whereas Bush has neglected the Palestinian problem.
"Bush is more concerned about Israel than the Arabs in Palestine," El-Yateem said.
Still, Kerry sometimes lacked personal appeal among Bay Ridge Arabs. Kerry was "another alternative, but not necessarily better," said Hussain Al-Massoudi, a 40-year-old Iraqi cab driver.
"Maybe Kerry and Bush are two faces for the same coin," he said. "The idea is we've tried Bush and we've seen what he did, so let's try someone else. He might be better."
MIM: The 2005 Arab Heritage Month was organised by Linda Sarsour and Dhabah aka Debbie Almontaser. The Arab American Association of New Yorkrun by Sarsour is also involved in education and runs an after school program for grades K -12 for public school students. The courses have been held in radical mosques. http://www.volunteersolutions.org/uwnyc/org/3762217.html
Monday, July 11, 2005
What: Arab-American Heritage WeekWhen: Saturday July 9 through Saturday July 16, 2005 NEW YORK, July 11 -- Mayor Michael Bloomberg will officially declare Arab-American Heritage Week during festivities taking place between July 9 and 16.
New York City Arab-American organizations and museums will host events in order to introduce New Yorkers to the vast diversity of Arab people, their cultural traditions, customs, cuisine, art, music and dance.Arab Americans have resided in NY since the 1800's and have contributed to New York and the rest of the country in many ways. Today, over 200,000 Arab- Americans populate New York City. The Mayor's Office of Immigrant Affairs has established Arab-American Heritage Week as an annual event in order to commemorate the community's presence and contributions over the years.
"As an educator, Heritage Week has been a long-time dream that Arab- Americans and I have wanted to share with fellow New Yorkers," said Debbie Almontaser, one of the event's principal organizers. "The week will give New Yorkers a chance to learn Arab cultural traditions - food, music, dance - the elements of life that exemplify how we are more alike than we are different as human beings."
This year, Heritage Week will kick-off on Saturday July 9th with the 3rd Annual Arab-American Cultural Street Festival and the 7th Annual North-African Cultural Street Festival, hosted jointly by the Network of Arab-American Professionals of New York (NAAP-NY) and the Algerian American Cultural Center (AACC).
Other events include a stand up comedy workshop lead by comedians Dean Obeidallah and Maysoon Zayid, presented by the New York Arab-American Comedy Festival (7/12) and Arab American Community Tours by Marry Ann DiNapoli in Brooklyn (7/9, 7/11). The films "Return to the Land of Wonders" and "The Thief of Baghdad" will be shown at the Two Boots Pioneer Theatre and the Museum of the Moving Image (7/13 and 7/16), and music lovers may catch an evening of Iraqi music featuring Amir Saffar, at Alwan for the Arts (7/15). Finally, the week will close with the Arab American Heritage Park Festival, sponsored by the Arab American Association of New York and the Arab American Family Support Center (7/16).
Sponsoring organizations include: Arab American Association of New York, Arab American Institute, The Arab-American Family Support Center, Alwan for the Arts, Salam Arabic Lutheran Church, Mahrajan of Middle Eastern Churches, Yemeni American Association, American-Arab Anti-Discrimination Committee, Arab Muslim American Federation, Salaam Club of New York, and the Network of Arab-American Professionals of New York.For a complete listing of events or for more information about Arab- American Heritage Week, please visit:
Source: Network of Arab-American ProfessionalsCONTACT: Debbie Almontaser, +1-917-559-8480, or Linda Sarsour,+1-917-306-3323, both for Network of Arab-American Professionals
Linda SarsourInstitution: Arab American Association of New York
MIM: Sarsour boasts about her arranged marriage and the journalist depicts her fundamentalism as hip and trendy.
Muslim women face decisions on traditional, modern values
Balancing freedom, customs is difficult
By Tatsha Robertson, Globe Staff | June 6, 2005
NEW YORK -- Muna Irziqat, a recent immigrant from the West Bank, wired the computers in the entire social service organization in Brooklyn where she volunteers. By using the technical skills she learned in college in the Middle East, she said she proves that Muslim women can do whatever they put their minds to.
But when a male client recently asked to speak to her alone about a confidential matter, Irziqat, who wears the traditional head scarf, or hijab, panicked and stopped him from closing the door.
"I wasn't afraid of him, but he was an Egyptian Muslim and he knew the religion," Irziqat said afterward. "I felt guilty. In our culture, when a man and woman who are not married are in a room by themselves, it is said, there are three people present. The third is the devil."
Like Irziqat that day, many Muslim women from immigrant Arab families experience the push and pull between the traditional Islam of their homelands and the relative freedom enjoyed by women in the United States.
The tension is fiercer, observers said, for women who are new to the ways of this country, who take on leadership roles, or who are first-generation Americans still committed to traditional customs. When those women try to balance both worlds, they can have contradictory impulses because they respect their culture, but do not want to be held back by it.
"A lot of Muslim women who grew up in this country always had freedom of movement and speech, and so those are not real issues for them," said Tayyibah Taylor, editor of Azizah, an Atlanta-based magazine for Muslim women. "But when you are coming from a Muslim-majority country where women are not encouraged to be part of the public space, then women who come here have to go through [introspection] on how to negotiate public space or if to attempt to do it at all."
"Sometimes I feel like I am two people," said Linda Sarsour, a Palestinian-American and community activist. "To mainstream Americans, I am always talking about my culture and trying to show women are not oppressed, but to my people in the community, I am progressive."
Although Sarsour was born in Brooklyn, she made a conscious decision to follow the cultural norms of her parents' homeland. Irziqat was born into a conservative religious culture in Jordan. But both women say they struggle with guilt and frustration as they try to be independent Muslim women in America.
Their stories, said Taylor, are not unusual, but represent a chapter in the evolving saga of Muslim immigrants in this country.
The daughter of a banker and a homemaker, Irziqat, 22, said her large family in the Jordanian capital of Amman always followed tradition. Although she was engaged to her cousin for three years, she said he never saw a wisp of her hair or touched her hand until they wed. Yet, she said her husband, whom she married when she was 19, has always been supportive of her career. She received a degree in computer science from a West Bank college and worked as an administrative assistant and graphic artist for a publishing company.
"I know that not all Muslim men are like my husband," she said, struggling with her English. "Some can be jealous."
In February, Irziqat and her husband, who works as a salesman for a cellphone company, arrived from the Palestinian territory to start a life here. The center where she volunteers five times a week opened several weeks after the Sept. 11, 2001, terrorist attacks in response to the needs of the Arab-American community in Bay Ridge, one of the largest in the nation.
The center's small paid staff and host of volunteers assist the community with many concerns, arranging healthcare for documented and undocumented workers, assisting with translations, and providing legal aid on immigration issues. Based in a small storefront, the center is funded by individuals in the community along with grants from organizations such as the Red Cross.
Back home, she said, educated Muslim women worked and they gathered at cafes, but she said New Yorkers, who see her walking down the street covered from head to toe, assume she is backward, subdued, and afraid.
"To be honest, when I first came to this country, I hated it. Not the people. But, in my home, I was working. I was very active," said Irziqat, who does not have children.
Still, she concedes that part of the frustration comes from her trying to hold onto tradition in a Western work setting: When the client tried to close the door earlier this month, she asked a staff member to keep an eye on the door for her. Every day at the center, she plays musical chairs to ensure she is not in a room alone with the only male staff member at the center. "He's like a brother, but he is not my brother, so we can never be alone," she said.
Imam Feisal Abdul Rauf, author of "What's Right With Islam Is Right With America," said the Koran is silent on the issue of men and women being together, but he said conservative interpretations say unmarried, unrelated men and women should not be alone together.
Sarsour, an outspoken, spirited New Yorker, was raised to believe that was true. She said she comes from a traditional Muslim family whose conservative ways were less a result of religion, but more about maintaining a good standing in the community.
"My male friends from high school knew not to even raise their eyes my way if they saw me with my mother. They just acted like they didn't know me," recalled Sarsour, 25.
By age 17, she met her future husband when he paid her family a visit with his extended family in tow and a $10,000 dowry. The only thing she asked of him on the day the imam, a religious leader, met with them for premarriage counseling was to support her career ambitions and pursuit of a college degree. He agreed and asked only that she be a respectful wife and a good mother.
Now a mother of three, she is a graduate of Brooklyn College with a degree in English. She works a second job as a family advocate at a city hospital and plans to run for City Council one day.
"I am 25 years old, married with three kids, and I was married in an arranged marriage, and that happened right here in Brooklyn," she said. "People always say, 'What! Most people don't get married until they are 30,' and I say 'not my people.' "
But, unlike Irziqat, who dresses in long coats even when it is warm, Sarsour tries to hold onto her Western ways by wearing hijabs that are colorful, short jackets, long jean skirts, and jazzy high-heeled boots. She spends $150 to streak her hair blond, though few will ever see it. Whereas Irziqat reads the Koran and prays five times a week, Sarsour goes to mosque twice a year.
Sarsour, program director for the Arab-American Association of New York where Irziqat volunteers, began covering her hair in 2000 as a testament to her faith and to follow tradition. Now that she does, she is often asked if she speaks English.
Sarsour admits, though, that sometimes it is her internal quest to prove she can be both progressive and traditional that causes her to feel duplicitous: The women at the center teach an "empowerment" seminar that encourages Muslim women to take more time out for themselves, but the classes are disguised as "social councils" so as not to offend the imams or men in the community.
"We don't want a backlash and for men to think we are telling them to leave their husbands," said Sarsour.
Recently the center helped sponsor a domestic abuse seminar, which 65 Muslim men attended. "But it would have to be an extreme case for us to call the police on a Muslim man," she admits, adding that domestic abuse issues are often worked out through counseling with the imam.
Even Sarsour, whose position demands she meet with men and women, constantly makes sure the door of her office is ajar when meeting alone with a man. Her husband, Maher Judh, 35, who grew up in El-bireh, a town in the West Bank, and works in a grocery store in Brooklyn, said he is proud of his busy wife.
"She shows Americans that Muslim women are not all down," he said, adding that he has no problem with her working with men. "But, if the door is shut, then that is not right."
3rd Annual Arab American Heritage Park Festival Sunday, July 8th, 2007 2pm - 7pm Prospect Park, 15th Street and Prospect Park West, Brooklyn F train to 15th Street Fun for the whole family. The day will include Middle Eastern food, music, performances, henna art, rides for kids, Arab style ice cream, Â sheesha and great drinks. Sponsored by: Arab American Family Support Center, Yallah Youth for Arts, SABA, and Alwan for the Arts. Any questions please call (718) 643-8000 and speak to Nisrine.
Annual Arab-American and North African Cultural Street Festival Saturday, July 7th, 2007 Great Jones Street between Broadway and Lafayette, New York City Located on Great Jones St., between Broadway & Lafayette in the Village.
Subway: 6 to Bleecker. Rain or Shine!
Come out to celebrate our rich and diverse cultural heritage! Come out for a fun-filled day, and sample some of our delicious food! Vendors will line the street offering a variety of products, exhibiting original crafts, displaying Arabic literature, and playing regional music.
In between all the shopping and the food, take a time out at the Arguileh cafe? and enjoy truly unique dance performances, from belly dancing and Debka, to traditional drumming and the whirling dervish! - Interested in getting a booth and promoting your products/services? Click here
- Have any questions? Please email [email protected] or call 212.592.4052
Atlantic Avenue Tours w/ Historian Mary Ann Dipoli Monday, July 9th, 2007 10am-12pm Go on a historical journey of the Arab community. Learn about where they first settled and why they came here to the United States. Learn great facts about this interesting community. If you are interested please email Mary Ann Dipoli at [email protected] Special thanks to Mary Ann for making this possible
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Brooklyn Arab Heritage Bazaar Sunday, July 15th, 2007 1pm-8pm 67th Street between 5th and 6th Avenues, Leif Ericson Park, Bay Ridge, Brooklyn Come spend the day in the newest and largest Arab community in New York City. Our street will be filled with yummy Middle Eastern food, arab sweets, hookah pipes, beautiful scarves, spices, CDs, henna art, Arab Fashion designs, Â face painting, music, performances and so much more. Bring your whole family and enjoy! Sponsored by: Arab American Association of New York www.ArabAmericanNY.org and the Arab Muslim American Federation
Salaam Club Of New York Cyclone Game Outing July 27th, 2007 6PM 10PM Get ready because it's Baseball time again! And this year's Annual Salaam Club Baseball Outing will take place on Friday the 27th of JULY starting at 6 PM at KEYSPAN PARK in Majestic Coney Island when we attend the Brooklyn Cyclones as they host the Vermont Lake Monsters. This year we have a special treat in store for you: Salaam Club Members will have access to our own private Party Deck with its Special View of the playing field as well as the Atlantic Ocean and an "All You Can Eat" Buffet To top this all off, the end of the evening will consist of a spectacular FIREWORKS display!!! And the best part of all this is - TICKETS ARE ONLY $20 A PIECE FIRST COME, FIRST SERVE!!! If you are interested in acquiring tickets, please call me (Ed Mafoud) at 917-709-7078 or write me at [email protected]. I can't imagine why anyone would pass up this opportunity to bond with your fellow Salaam Club Brothers while watching some Class A' Baseball with an All You Can Eat Buffet, Fireworks, and Coney Island!!! Http://www.salaamclubny.org
MIM: Alwan for the Arts is partnering with KGIA and has a politicised agenda which includes hosting events for groups like Al Awda the "Right of Return Coalition".
One of the announced headliners for the ongoing Arab American Heritage festival is pointedly referred to as "Hijacker" Lina Makboul. (see text below).
. Both the director and performers have found that 9/11 has benefitted the Arab and Muslim community by enabling them to attract more attention. This attitude is in sharp contradiction to their complaints of imagined bias and discrimination which they claim is the reason that their organisations are needed.
There was a silver lining to Sept. 11th," Bakalian [the Alwan director] said. "In as much as there has been stereotyping and persecution and negative pressure on the Arab and Middle Eastern community, there has also been a generosity of spirit and an openness on the part of Americans to understand fellow Americans." .... A recent performance art piece about the Middle East's portrayal in the media included an oud player, a poet and a percussionist. An art installation last month by an Algerian-born painter looked at the African independence struggle. Dr. Mustafa Barghouti, who promotes Palestinian democracy and civil society, recently spoke.
|Hijacker Lina Makboul & Itmanna
|Sunday July 8, 2007 2-7 PM
Board of Directors [Tamkeen]
MIM: A month before the peace walk Sarsour took part in an even organised by the Dialogue Project where she sits on the board together with Dhabah Almontaser. One of the participants was Sarah Sayeed who is on the board of directors of the Muslim Consultative Network. Almontaser is also a board member of MCN which is headed by Adem Carroll the New York head of the Islamic Circle of North America a group linked to Al Qaeda. http://www.afsc.org/both-places/project/interview_adem_carroll.html
Speaking Across Differences- Creating Space for Difficult Conversations: Transformative Dialogue with Palestinians and Israelis, Muslims, Jews, and Christians
The Dialogue Project, based in Brooklyn, New York, is a neighbor-to-neighbor community development program which creates bonds between neighbors of different backgrounds through dialogue. For their session, a panel will present transformative dialogue techniques now being practiced throughout the greater New York metropolitan region in ongoing sustainable dialogue circles among Diaspora Palestinians, Israelis, Jewish, Muslim and Christian Americans. Participants will engage in exercises/dialogue that will demonstrate how trust, relationships and partnerships are established when differences surface. They will explore hot words such as jihad, security, Zionism, terrorism, and examine how active/generous listening and reflection are tools that allow us to create a safe, confidential space where these difficult conversations can take place. They will also examine how trust and affection can grow when very different worldviews and personal connections to conflict exist among people.
The panelists will describe their experiences with personal stories and the exchanging of different narratives and perspectives in face-to-face encounters. Panelists will include: Father Khader El-Yateem, Palestinian American Christian; Linda Sarsour, Palestinian Muslim American; Sarah Sayeed, Muslim American; Eddy Ehrlich, Jewish American; and Yehuda Ehrlichman, Israeli American. Paula Pace, an Associate of the Institute for the Study of Conflict Transformation and a member of the Board of Directors of the National Executive Service Corps, and Marcia Kannry, dialogue facilitator and Founder of The Dialogue Project, will facilitate the session.
MIM: The Dialogue Project sponsors and funders include many of the Arab organisations in the city.Not coincidentally one of the organisations affiliates is the Boerum Hills School which is now the new home of the Khalil Gibran International Academy.
Community Empowerment Through Dialogues, Interfaith Outreach and Training
Speaking Across Differences in Brooklyn
This item is available on the Militant Islam Monitor website, at http://www.militantislammonitor.org/article/id/3049


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Well-Known Fanatic
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I like the color of that brew. It looks good.I've been drinking beer since around 1971. This is by far the best beer I've ever had.
I've been drinking beer since around 1971. This is by far the best beer I've ever had.
One of my professors in business school assigned my senior paper and case study. "The American Brewing Industry" How awesome was that? lol.Pabst Blue Ribbon!
View attachment 455
It pains me that the more popular IPAs today, including from Highland take the place of their Gaelic Ale on store shelves, so actually finding Gaelic Ale is always hit or miss.Highland makes great beer. Their Oatmeal is one of the best on the market. I have a Highland hat from one of their reps.
If European Guinness is better than what they sell stateside, I want to try some!!


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David Sirota is shining more light on the Rhode Island pension system's investment returns—and fees—under Treasurer Gina Raimondo. According to his reporting, the combination of fees and "below-median" returns are costing the state's taxpayers. From Sirota:
According to four years' worth of state financial records, Rhode Island's pension system has delivered an average 12 percent return during Raimondo's tenure as general treasurer. That rate of return significantly trails the median rate of return for pension systems of similarly size across the country, based on data provided to the International Business Times by the Wilshire Trust Universe Comparison Service.
Meanwhile, the pension investment strategy that Raimondo began putting in place in 2011 has delivered big fees to Wall Street firms. The one-two punch of below-median returns and higher fees has cost Rhode Island taxpayers hundreds of millions of dollars, according to pension analysts.
Under Raimondo's watch, the state's pension fund has adopted an investment strategy that heavily utilizes private equity, hedge fund and venture capital investments. The New York Times reported that those alternative investments constitute almost a quarter of the fund's assets. Sirota writes:
The high fees associated with those alternative investments — costing Rhode Island $70 million in the 2013 fiscal year alone, the Providence Journal reported — are supposed to buy above-average investment performance. However, according to pension consultant Chris Tobe, the gap between Rhode Island and the median, a gap to which the fees contributed, means the state effectively lost $372 million in unrealized returns.
By way of comparison, $372 million represents more than one-half of the entire annual budget of the state's largest city, Providence. In all, had Rhode Island's pension system merely performed at the median for pension systems of similar size, the state would have 5 percent more assets in its $7.5 billion retirement system.
Raimondo's office defends the investment decisions. A spokesperson told Sirota that the strategy needs to be judged over a longer timeline to more accurately assess its effectiveness.


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You can learn here the Flemish verbs including the past, present and future tenses. Each page will present you with the raw format of popular verbs as well as its conjugated form. Please pick a tense from the pages below:
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Co-Executive Director, Citizen Action/Illinois
William McNary is the Co-Executive Director of Citizen Action/Illinois, the state's largest consumer organization, and he served as President of US Action, the national umbrella group for 28 state grassroots affiliated organizations advocating health care, education, environmental and consumer policy reforms. He has led Leadership Training forums for the AARP, Coalition of Citizens with Disabilities, Jewish Council on Urban Affairs and the NAACP. Mr. McNary is a founding board member of the Fannie Lou Hamer Project and serves as a Board member for Public Campaign, the Center for Tax and Budget Accountability, and Women's Voices Women Vote.


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This has always been true with standards, was true of SGML,
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... my advice from last
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Single Family
Single Family home in Coral Gables
Single Family
Single Family home in Coral Gables
Ideal for families, the Hammock Oaks community is more than 100 gated residences featuring a variety of homes designed in both a contemporary and 1960s traditional throwback style. Residents can take out a boating vessel at the community's generously sized marina and marvel as the Florida sunshine radiantly illuminates Biscayne Bay, also accessible by bridge.
Families will be delighted to know the consistently top rated schools of Pinecrest are near Hammock Oaks, thus allowing their children to attend some of the best educational institutions in all of Miami-Dade County. Once it's time to send them off to college, one of the University of Miami's campuses is located right in Coral Gables, thus allowing the kids to stay close to home while attending a greatly respected private institution.
Circular driveways, exquisite garden views, beautiful tile roofs and opulent marble floors are available within the Hammock Oaks homes and come in a variety of options and process designed for families looking for a quiet retreat in a safe neighborhood or the professional who wants his or her own posh waterfront residence.
What's more, Hammock Oaks is moments from the exhilarating array of shops, fine restaurants, appealing classic architecture and excitement profusely available throughout all of gorgeous Coral Gables. Community residents will truly enjoy everything the city has to offer.
Please contact Coral Gables luxury home Realtor Brian Smith for help buying, selling or renting a Hammock Oaks and Lakes luxury property.


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The UK is sending a consignment of heavy machine guns and ammunition to Iraq's government to assist with its battle against militants from Islamic State (Isis), the defence secretary, Michael Fallon, has said.
The equipment, described as an "initial gifting package" worth £1.6m and a further £475,000 in transport costs, is scheduled to arrive in Iraq on Wednesday, Fallon said in a written parliamentary statement.
The armaments were being sent at the request of Iraq's government, and were also for use by the Kurdish regional administration, he said.
Fallon's statement also said ministers were "committed to assisting the government of Iraq", including by providing humanitarian assistance for those targeted by the militants, helping the country to repel the group's advance "and restore stability and security across the country", and tackling the broader regional and international threat faced from the group.
It added: "The Kurdish forces remain significantly less well-equipped than Isil and we are responding to help them defend themselves, protect citizens and push back Isil advances."
In a later statement, the Ministry of Defence said the military aid would include nearly half a million rounds of ammunition.
Earlier on Tuesday an RAF flight had arrived in Irbil in northern Iraq carrying non-military aid, which has so far included items such as armour, helmets and ration packs.
In the MoD statement, Fallon said: "Isil [Islamic State] militants are guilty of shocking brutality. So I am pleased that we will supply weapons to the Kurdish forces who are at the front line of combating their violent extremism.
"We have already provided body armour and other protective equipment as well as ammunition from our partners; these weapons will help the Kurdish forces in taking the fight to these barbaric terrorists."
Islamic State is making rapid progress across Iraq and Syria, in part due to the high quality of equipment enjoyed by its forces. A report by the London-based Conflict Armament Research consultancy published on Monday found the group was using large captured US-made weapons and had access to anti-tank rockets supplied by Saudi Arabia to a moderate rebel group.
The report drew no conclusions about how the weapons were sourced. However, the capitulation of the Iraqi army in northern Iraq on 10 June gave the jihadis access to military arsenals in the north of the country, which were full of US-supplied assault rifles and ammunition, as well as heavy weapons.
The report was compiled from a list of weapons captured from Isis by Kurdish militias over a 10-day period in July.
Western nations are still developing their strategy to tackle Isis in the wake of last week's Nato summit in Newport. Barack Obama is scheduled to give more details of the US response on Wednesday.
David Cameron has not ruled out British involvement in any military strikes, though he would be under pressure to seek approval from parliament before doing so. Ministers have said this will take place if there is sufficient time.


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Picture your phone's home screen. What's the firshttps://www.novodasoftware.com/t thing that comes to mind? How about the second? You can probably draw a rough sketch of your home screen from your memory. The sad part about spending all that time looking at our phones is that they become familiar, and the familiar turns into boring rather quickly.
To shake things up a bit, people have created custom versions of the Android launcher. CM Launcher is one of those apps, and it overhauls the looks of your phone by allowing you to install new themes. In this article, we'll take an in-depth look at launchers and what is CM Launcher in particular.
A Brief Introduction to Launchers
Before getting into CM Launcher specifically, it's good to understand what launchers are and what their function is. A launcher, in Android terms, is what enables you to interact with the user interface. Just about anything you do to customize your phone such as move apps around, change the background, install and launch apps—it all happens through the launcher.
Android bills itself and an open-source platform, which allows developers to create custom firmware for devices that use it. These custom ROMs, as they're known, are often unstable and difficult to install. Note that custom launchers are not ROMs but rather applications. Therefore, they don't carry the same risks and are very simple to use.
Launchers fall into two broad categories based on how easy it is to use them and what they offer to users. The categories are "smart" and "design." Smart launchers are for people who don't spend much time looking at their phones; they change the home screen to be as functional as possible and offer all the relevant information at a glance. On the other hand, design-oriented launchers are meant to fully customize a user's experience.
You should think of these categories as the opposite ends of a spectrum rather than a strict division. All launchers share some traits of both categories, and CM Launcher is probably somewhere in between—leaning towards design.
The CM Launcher Basics
Now that you know what a launcher is and does, it'll be easier to delve into CM Launcher's features. For starters, CM Launcher is a free app that you can download from Google Play. It has in-app purchases but the features provided for free are very reasonable. All you really have to do is install it and run it.
When you launch it, you'll be prompted to choose a background for your phone. For now, choose the recommended background (you can change it later) and tap the "Next" button. You'll have to "X" out of a few ads and offers and then continue the brief instructions on the screen. As soon as you're done, your phone's home screen should look very different. You will immediately start getting some on-screen tips about how to navigate your new launcher.
The more you use it, the more you'll start to notice all the features it offers. To give you a head start, here are some of the more salient ones.
Beyond the Basics
One of the features that CM Launcher proudly showcases is its Booster. As soon as you install the launcher, you should see an icon labeled Booster on your home screen. This is essentially just a shortcut to your device's built-in optimizer. Without getting esoteric, all this does is make sure all your apps are loading as fast as possible, and does it quite well. Tap on the Booster icon to run an optimization that only takes a few seconds.
The biggest impact the launcher is meant to make is a visual one. Most of these features are purely cosmetic in nature, but they make a big difference when you're trying to breathe a bit of life into an all-too-familiar home screen. For instance, if you press and hold the panel dots on the bottom of your screen you'll activate a 3D navigator for your panels which makes it easier to quickly find icons.
There are also thousands of different themes that you can download for your device. Many of them are free and can all be accessed through the icon labeled "Themes" which you'll find somewhere on your main panels. You can also see a curated list of themes updated every day through the "Daily Themes" icon.
Last, but certainly not least, if you scroll left on your Home screen far enough you'll find the Performance Center. From there, you can adjust battery usage settings, look at your calendar and interact with your pet. The "My Pet" feature is actually quite endearing. It's a cartoon cheetah that you can feed, put to bed, and allow to work on a computer. If you're old enough to remember the Tamagotchi pets, this little cheetah will tug at your heartstrings.
If you're feeling brave, try some other launchers too. Evie Launcher is the fastest-loading launcher available and Nova Launcher is one of the most highly-rated options on Google Play.
3, 2, 1…Lift-Off
With this article, we just scratched the surface of CM Launcher. The features, options, and customizations will be scattered around your device. It may take some sleuthing skills to find them all but it is well worth the trouble. One tiny caveat is that some users report a reduced battery life when using CM Launcher.
Is CM the first launcher you've heard of? Do you think a periodic visual update helps keep you excited about your phone? Share your opinions in the comments below.


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A Potpourri of Points
There are countless ways to update and enhance your home environment. The simplicity of the following five tips belie the extent of the effect they can have on your surroundings.
1. Paint color can make the difference between drab and dramatic. Consider adding a new hue to a main room. If you don't want to paint the whole room, try an accent wall or paint a piece of furniture.
2. Make overnight guests comfortable. Add luxury to your guest bedroom with a soft throw, flowers and an out-of-the-way place for them to stash their luggage. In the bath, add luxury spa products like lotions, plush towels and candles.
3. Consider safety. When you select design elements for you home, don't overlook safety issues, especially if you have children or elderly family members in your home.
4. Freshen your entry. Welcome visitors by hanging a seasonally appropriate wreath on your front door (pastel in the spring, pine green in winter) or place potted plants along the walkway. Inside, place a vase of fresh flowers on a table.
5. Change your lighting for a quick design update. For a dramatic change, swap a fixture for one in a new style. Install dimmer switches to create a different ambiance as your use of a room changes.
Lynn Morris, IIDA, Allied ASID, NKBA, USGBC
Director of Communications ASID | Design Principal
Touch of Tradition – Home
7313 Carroll Road, Suite D
San Diego, CA 92121
Join the San Diego Chapter of ASID on October 26th for the 2013 Kitchen & Bath Tour. Visit asidsandiego.org for ticket sales and tour details. See new design elements, products and take away ideas for your projects.


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OnePlus One was launched in India earlier this week with an attractive price tag of Rs. 21,999 for the 64GB variant. Along with the smartphone, OnePlus has also launched its accessories including headphones, screen protectors, cases, and flip covers. The anti-fingerprint screen protector is priced at Rs. 299 while the standard protective case is priced at Rs. 449. There are three colour options if you want to buy a flip cover, which costs Rs. 699. The Silver Bullet headphones, a competitor to the Mi Piston headphones, are priced at Rs. 899. OnePlus has also launched the JBL E1+ premium headphones in India priced at Rs. 2999, which were originally announced in October.
OnePlus One official accessories in India
- OnePlus One Premium Screen Protector (Anti-Fingerprint/Matte) - Rs. 299
- OnePlus One Protective Case (Clear) - Rs. 449
- OnePlus One Flip Cover (Black/White/Blue) - Rs. 699
- OnePlus Silver Bullet Headphones - Rs. 899
- OnePlus JBL E1+ Earphones - Rs. 2,999
OnePlus will also be launching StyleSwap back covers in India later. OnePlus One users in India will be able to buy them from Amazon, walk into any OnePlus service centre and get it fitted free of cost. The company cancelled StyleSwap back covers for the OnePlus One because they were very hard to replace for normal users. The company hasn't clearly announced which variants of StyleSwap covers it will launch in India, but it would be great if they can launch all of them.


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Malka Touger is a world-renowned teacher and lecturer. She has authored and co-authored several best-selling books and produced a number of educational videos in both English and Hebrew. She lives in Har Nof, Jerusalem, with her husband, Rabbi Eliyahu Touger, and their children.
© Copyright, all rights reserved. If you enjoyed this article, we encourage you to distribute it further, provided that you comply with Chabad.org's copyright policy.
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By Malka Touger
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Little animals wearing clothes. Hard to resist in their bittersweet comic struggles. These fables are, in a sense, Dalt Wonk's love letter to the French Quarter — his home for over 40 years. The animals, flowers, and insects are almost all Quarter denizens: a frog in his courtyard lily pond, a rat in the stone riprap on the levee and a roach in the kitchen of a restaurant. They call to mind people you know. Difficulties you've faced. A few fables tell stories of exotic animals (like a seal or a hippo) in far-away lands. But all were written in the French Quarter and inspired by its singular, suggestive atmosphere.
Fables are one of the most ancient ways of talking about life. French Quarter Fables shows how fresh, original and entertaining they still can be.
Written and illustrated by Dalt Wonk
36 full color illustrations
Foil stamped, softcover
Binding: Otabind
Paper: 115 gr Munken Print
Printed by Oddi Printing Company


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A multi-core Intel Core i5-8300H sits at the heart of the ThinkPad X1 Extreme, providing plenty of raw processing power for editing 4K high definition video. With a total storage capacity of 512 GB, the ThinkPad X1 Extreme ensures you have plenty of space to store your footage.
Resolution of up to 1920 x 1080 pixels means you can work in greater detail
Running editing programs such as photoshop is possible due to the inclusion of 16 GB of RAM and the 4 cores-core processor.
Even more, you can render your image and design work with ease as this laptops comes with a robust graphics card with a strong 3Dmark benchmark score of 7766.
In addition, this laptop can be used night or day thanks to the built in back-lit keyboard.
The Memory card reader makes loading images from you camera straightforward.
A resolution of 1920 x 1080 pixels, means rich graphics to shoot Zombies or cross the galaxy in detail
Your 's Intel Core i5-8300H processor means whilst your thumbs may struggle with Call of Duty or Doom your will not.
The 16 GB RAM combines nicely with the GPU on the NVIDIA GeForce GTX 1050 Ti which hits a 3DMark benchmark score of 7766, and the 4 cores CPU hit a Passmark benchmark of 9327
You can have the dark arcade experience without tapping blindly thanks to the built in back-lit keyboard.
Light, portable, and full-featured, the ThinkPad X1 Extreme is ideal for carrying between offices and libraries. You'll have all the tools you need to research and write outstanding research papers and theses.
High quality video on your ThinkPad X1 Extreme's Advanced resolution display
IPS screen technology makes video content richer and more viewable.
You won't have to struggle to pause or rewind in the dark with its backlit keyboard.
Connecting to a TV or monitor to watch content on a bigger screen will be simple as its HDMI port is the most common connection option available.
You need to pack a lot into this screen, hence a resolution of 1920 x 1080 pixels pixels, you'll have sufficient visual clarity to decide which video sequence will give the impact you're looking for.
Continuously tweaking video clips are fun but requires a quite a bit of computing power. Which is why the memory size of 16 GB, the multi-core processor and the NVIDIA GeForce GTX 1050 Ti graphics card all combine to provide a level of performance that matches your needs.
In addition, this laptop can be used night or day thanks to the built in back-lit keyboard.
It also comes with the Memory card reader just in case you need an alternative option to move your creative work from once device to another.
With plenty of RAM, processing power and a dedicated graphics card, the ThinkPad X1 Extreme gives you everything you need to complete high quality photos and graphic design projects.
Developing your own tunes and mixes is important to you, so we've recommended a laptop that has got an advanced audio system on-board with HD sound capabilities.
The presence of a 4 cores core process will help speed up music format conversions or codec-based compression.
With its wide selection of ports the ThinkPad X1 Extreme sits at the heart of your music production workflow. And with a total storage capacity of 512 GB hard drive, you've got plenty of space to store work in progress
Managing finances has never been simpler. The ThinkPad X1 Extreme has enough processing power to manage even the largest spreadsheets. And the inclusion of a makes typing and updating numbers even easier.
Whether you're coding HTML5, CSS or Javascript-based frameworks like AJAX, Angular or JQUERY the ThinkPad X1 Extreme is a very capable option. It's 4 cores core CPU and 16 GB of RAM helps you multi-task as you craft your vision on its high quality, 1920 x 1080 pixels screen.
You'll need a machine that can handle multiple VMs for your various dev environments. The ThinkPad X1 Extreme sports an Intel Core i5-8300H, (a processor with 4 cores) plus a healthy 16 GB of RAM to power your VMs and dev tools.
Spreadsheets, presentations and documents, don't need much, but your Intel Core i5-8300H processor and 16 GB RAM ensures even image laden files won't leave you watching the 'spinning wheel'!
Surf comfortably as all components of your will easily handle the web
Email demands very little from a laptop. We've taken this into account.
Facebook, twitter etc require little processing power or screen specification so the ThinkPad X1 Extreme will do just fine.
Light and powerful, the 9.5 hours battery life of the ThinkPad X1 Extreme allows it to be easily used all around the home for long periods without charging.
The ThinkPad X1 Extreme is the perfect size working on the move. With a battery life of 9.5 hours, this is a machine that slips easily into a bag and goes everywhere with you without worrying too much about the next time you need a charge.
Lightweight and compact, the ThinkPad X1 Extreme boasts 9.5 hours battery life to keep you going while on short trips like the daily commute on the train or subway.
With an impressive run time of approximately 9.5 hours, the ThinkPad X1 Extreme will keep you entertained, or working, throughout the duration of your trip.
If you work in a hot desk environment, portability will be key. The ThinkPad X1 Extreme comes with 9.5 hours battery life so you can move around the office as much as you need.
Get straight to work on site with the ThinkPad X1 Extreme. A 9.5 hours battery life means you don't have to start the day hunting for a free power socket.
Not the smallest laptop, but this is a good choice for when you don't want a full-size PC. The ThinkPad X1 Extreme works just as well on your lap or a desk.
Not the smallest laptop, but this is a good choice for when you don't want a full-size PC. The ThinkPad X1 Extreme works just as well on your lap or a desk.
The light may be low, but the ThinkPad X1 Extreme allows you to work or play around the clock. Make every keystroke count thanks to the 1.
When delivering presentations, you need to be sure you can connect to the meeting room projector or screen. The 1 offers several different display ports to make sure everyone can see your slideshow.
The ThinkPad X1 Extreme combines style and power to create a laptop that really stands out. Clean lines, high quality materials and a pristine finish ensure that this machine will turn heads.
It's got the traditional corporate look and will definitely blend in within the enterprise environment.
Want a personalised laptop recommendation?
|Form Factor
|Housing Material
|Aluminium,Carbon Fiber Reinforced Polymer (CFRP),Glass Fiber Reinforced Polymer (GFRP)
|Display Brightness
|300 cd/m²
|Display Contrast Ratio
|Display HD Type
|Display Resolution
|1920 x 1080 pixels
|Display Size
|15.6 inches
|Display Technology Name
|Processor Architecture
|64 Bit
|Processor Cores
|4 cores
|Processor Family
|Intel Core i5
|Processor Model
|Intel Core i5-8300H
|Processor Speed
|2.30 GHz
|Processor Threads
|RAM Size
|RAM Speed
|2400 MHz
|RAM Type
|SSD Capacity
|Storage Total Capacity
|Storage Type
|Graphics Card Model - Dedicated
|NVIDIA GeForce GTX 1050 Ti
|Graphics Card Model - Integrated
|Intel UHD Graphics 630
|Graphics Card Type
|Sound System
|Dolby Audio Premium
|Network Bluetooth Type
|Network Wireless Type
|Ports & Interfaces
|HDMI Port
|HDMI Version
|Memory Card Reader
|Thunderbolt 3 USB Type-C Port Ports
|USB 3.0/3.1 (Gen 1) Type-A Ports
|USB Sleep-and-Charge Ports
|Keyboard Back-lit
|Keyboard Spill Resistant
|Operating System Architecture
|64 Bit
|Operating System Name
|Microsoft Windows
|Operating System Version
|Windows 10 Pro
|Battery Life
|9.5 hours
|Cable Lock Slot
|Fingerprint Reader
|Weight & Dimensions
|Dimesnsions - Depth
|24.5 cm
|Dimesnsions - Height
|1.8 cm
|Dimesnsions - Width
|36.1 cm
|1.7 kg
|Certifications & Compliance
|Energy Star Certified
|EPEAT Compliance
|RoHS Compliance


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We started in 1906 as Farmers State Bank, when local banks in West Tennessee weren't just creating profits. They were creating the towns and communities like Scotts Hill where our first branch still remains today. Times change, but the things that make being part of a community great, like strong ties and trusted relationships, never change. That's why we remained local, making what we had learned as a community bank our business model. Staying local, our reputation got around. In 1984, Jim Ayers and his business partner saw that the power of community banking was growing. Ayers acquired the bank that grew through organic growth and mergers for doing the banking that matters. Community banking.
Over three decades FirstBank's assets grew to be in the billions but FirstBank never compromised their vision. In 2001, we expanded our brand of authentic local banking into the state's most iconic cities, from Nashville to Memphis. FirstBank has made small town life our business culture empowering local city presidents and managers to make real decisions locally. You can walk into any branch and find a welcoming smile and willingness to help. You will know instantly you're not just a customer. You're part of the FirstBank family.
HSA Program Features
- FDIC or NCUA Insured:
- check
- Min Balance to Open:
- $0.00
- Features:
- Debit Card
- Online Banking
HSA Interest Rates
Interest rates are unknown at this time
|Monthly Maintenance Fee
|Account Opening Fee
|Account Closing Fee
* Waived for balances above $3,000
HSA Investment Options
Contact Information
General Information
|FirstBank's HSA Website open_in_new
|134 Pewitt Drive
Brentwood, TN 37027
Customer Service
|Phone Number


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The offseason is inevitably a period of projection and speculation, which makes it the ideal time to ponder the hypotheticals that the Pittsburgh Steelers will face over the course of the next year, whether it is addressing free agency, the draft, performance on the field, or some more ephemeral topic.
That is what I will look to address in our Buy or Sell series. In each installment, I will introduce a topic statement and weigh some of the arguments for either buying it (meaning that you agree with it or expect it to be true) or selling it (meaning you disagree with it or expect it to be false).
The range of topics will be intentionally wide, from the general to the specific, from the immediate to that in the far future. And as we all tend to have an opinion on just about everything, I invite you to share your own each morning on the topic statement of the day.
Topic Statement: Neither Ramon Foster nor B.J. Finney will be with the Steelers in 2020.
Explanation: B.J. Finney is scheduled to hit unrestricted free agency in March. He has about a dozen quality starts under his belt now over the past four seasons at all three interior line positions, and it's reasonable to believe somebody will sign him to be a starter. That team could be Pittsburgh if they choose to release the 34-year-old Ramon Foster, who has acknowledged that he understands that's a possibility. But it's also a possibility that they release Foster while also failing to re-sign Finney.
The Baltimore Ravens' offensive linemen have a history of being overpaid in free agency. Just look at the contract that Ryan Jensen got a couple of years ago after making a whopping 25 career starts. Granted, he did start a full season prior to hitting free agency, but Finney's body of work is substantial enough to garner a very respectable contract that Pittsburgh may not be in position to match.
I bring to mind the offseason of 2014, during which the Steelers expected to lose Emmanuel Sanders in free agency, while counting on retaining Jerricho Cotchery. Even Cotchery thought he would be staying. Then the Carolina Panthers offered up. They had to replace him with Lance Moore, drafting Martavis Bryant and Dri Archer.
The Steelers already hinted at their plans when they allowed Matt Feiler to start at left guard for one game that Foster missed. He will move to left guard in 2020 with the team understanding that its depth, with Chukwuma Okorafor and Zach Banner, is at tackle.
The Steelers are not going to release Foster if they sense that they will not be able to hold onto Finney, and they should get a sense for that well before free agency starts. I don't think there's really much of any worry of this happening. It's very likely that one of them leaves, but frankly, it's more likely that both stay rather than both leave.
As has often been the case in the past, many are overestimating Finney's market value. The Jensen comparison can only go so far, for the reason already named, which is that he started for an entire season. Finney just has bits of action here and there. He may get a nice offer, but would he pass up a starting job for his childhood team?


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I Will Survive looks like an interesting platform game with dark homer, uncensored adult content, gore and zombies. All animations are made frame by frame, drawn by hand and looks excellent. With ~50 playable characters and ~150 monsters/zombies to kill, this is a huge amount of work. I really don't know why there are so […]
Posts Tagged 'I Will Survive'
I Will Survive – On KickstarterPosted: 15th November 2012 by Maxim Bardin in Uncategorized
Tags: I Will Survive, Kickstarter, Platform