text:
Girl stripped naked in the Bank
The girl was first stripped down to my swimsuit and began to run around the office screaming it. Then he removed himself from all.
In Borispol client one of the banks shocked the other visitors inappropriate behavior. Stripped down to a swimsuit, she started to shout incoherent phrases and run for office.
ATTENTION! 18+. There is profanity
Then she took off everything.
The incident happened on Friday, may 11. Video provided by the reader Корреспондент.netwho witnessed the incident. According to other witnesses, after the Bank, the girl was swimming naked in a city fountain.
Recall that in March, a similar incident happened in Russia. There in one of the branches of the Bank, the woman stripped naked and threatened with arson.
Walking naked women in Kiev took video
News from the Reporter.net Telegram. Subscribe to our channel https://t.me/korrespondentnet


text:
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subset: commoncrawl


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text:
Benefits the Samuel Waxman Cancer Research Foundation With a Fashion Presentation Showcasing
On May 17, the Samuel Waxman Cancer Research Foundation held its fourth annual Collaborating for a Cure Fashion Show Luncheon at the luxurious, beautifully appointed New York home of Andrea Stark.
Those in attendance of this year's fashion presentation, including FOX TV's Judge Jeanine Piro, Judith Miller, Pulitzer Prize-winning former journalist of the New York Times, and iconic designer Vicky Tiel, were delighted to have a private showing of Carolina Herrara's pre-fall 2017 collection, and enjoy a lunch catered by David Burke at Bloomingdale's.
Lauren Lawrence, Pamela Morgan, Andrea Stark and Marion Waxman Chaired the event. Erica Linden-Fineberg was Co-Chair. This year's Committee members included Sharon Bush, Denise De Luca, Boo Grace, Susan Gutfreund, Mai Hallingby Harrison, Yaz Hernandez, Michele Gerber Klein, Patricia Kluge, Jeanne Lawrence, Lauren Day Roberts and Barbara Tober. In the messy world, we live in, this was time fashionably spent.
Photos by Rob Rich of Society Allure


text: Made time today to continue work on my latest piece. i am thinking of calling it "Primordial" but not sure. It is making me feel/think that it is like the birth of stars perhaps. Here are two pics. The first showing the water carrier. You can see it on the left of the 1st pic, and it has even spilled over the edge. The 2nd pic shows the paint about an hour after the pour, so it is settling down, and will start setting up within a few more hours.


text:
So following on from last week's post what information do you need, as a designer, to put in your pattern notes when listing PDF patterns? Here are my suggestions:
I am going to use my Framlingham sweater as an example throughout.
Sales pitch
I like to start with a sales pitch to grab the attention of the reader telling them why they'd like to read on, buy and eventually make this pattern. How will this pattern enhance their wardrobe, how might they wear it, why they will enjoy making it.
For Framlingham I wrote:
Knit in superwash merino for a little bit of everyday luxury with heat regulating properties that take it from the warmest summer day through to a layering piece for winter. Dress it down with denim or dress it up with a pretty summer skirt. Layer it with a cardigan over or a long sleeved top underneath, this is a versatile knit.
Sizing and ease information
It is important to give enough information to allow the buyer to work out if there is a size that is going to fit them well. I give inches and centimetres because I think it is easier for people to think in their native measurements. I want to make it easy for them. I don't want to lose a sale because they couldn't work out their size without a calculator.
For Framlingham I wrote:
Finished chest size 33(35,37,39,41,43,45) inches / 84(89,94,99,104,110,114)cms. Designed to be worn with 1"negative ease to 2" positive ease.
Instructions are given for a petite,standard,tall fit with finished length of 18,19,19.5 inches/ 46,48,50 cm.
Other helpful information I could have added is what ease the model (me!) is wearing the sweater at.
Yarn types and amounts
A lot of PDF pattern purchasers will be buying to use up yarn they already have stashed. It is as important to allow them to work out if they can make it from the yarn they have as it is to help those buying yarn specifically for the pattern.
For Framlingham I wrote:
5(6,6,6,6,7,7) 50g balls of Wendy Merino Bliss DK in Wood Violet (116m per ball)
This allows people to tell the yarn type, the weight and the amount they need. For instance the smallest size is going to need around 580m of DK weight wool based yarn. I could have gone on and been more helpful providing substitution tips like the best types of yarn for the project and giving the yard conversion.
Although people will need to swatch to find the exact needle/hook size they need it is important to give them a starting point and also to let them know about lengths needed if that is appropriate.
For Framlingham I wrote:
4mm (US #6) circular needles 60cm and 80cm (or size needed to achieve tension)
Note I have given it in US and metric sizing, again I am trying to give information to people in their native measurements. If they have to go away to look it up they may not come back.
Skill level
As we talked about last week, it is helpful to give detailed information about the skills needed because people can't glance through the pattern before they buy it.
For Framlingham I wrote:
Skill level – EasySkills needed:
Working in the round
Slip stitches
I could have included information about the specific increases and decreases if I chose but as I used pretty standard ones I haven't.
Construction description
For me construction information is really important as there are certain types of construction I know I don't particularly enjoy (seaming yuck!) but for some knitters its crucial to success because they don't have the skills for some types of construction.
For Framlingham I wrote:
Worked in one piece on a circular needle in the round, Framlingham is the ideal introduction to top-down, seamless knitting. No DPNs required! The pretty cabling detail that runs down the raglan and side 'seams' doesn't even need a cable needle as it is worked using a simple slip stitch pattern. The pattern is written to make it a quick and enjoyable knit, markers are used to minimise counting and errors. There is just enough detail to keep the knit interesting. It grows quickly in a DK weight and 4mm needles.
I wrote this as part of the sales pitch because in this jumper the ease of construction is part of the benefit. I could have written it in a more technical way too. I note that I haven't told people that there is waist shaping and that is probably something I should add.
As the saying goes "a picture tells a thousand words" (or something along those lines – I paraphrase) it is important as well as the glory, lifestyle isn't this gorgeous shots you ensure that there is enough detail for someone to see how the piece is shaped, how it fits. This should be without too much hair obstructing necklines, without arms always in the same posed position and show clear front, side and back views ideally. For Framlingham I use these pictures.
This post is part of the Things I didn't Know series about knitting, crochet and design. Click here for more posts in this series.


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I recently met 'Real Housewife' Chyka Keebaugh at a sold-out business lunch in Melbourne.
I spoke to the largely female audience about the business lessons from great Aunt Jane that I have drawn on throughout my career and Chyka shared insights into how she and her husband created a $70m dollar international empire from a humble start up operation in Melbourne.
Since 2013 Chyka has shot to fame as a reality TV personality on The Real Housewives of Melbourne. Love it or hate it, everyone knows about The Real Housewives franchise and the images it creates of these 'high society women'. Watching the show with it's glossy emphasis on glamour and drama it is easy to forget the women behind the brand.
Chyka is a smart and remarkable businesswoman who has worked hard to build a successful creative culinary and event business. Chyka is kind, warm and friendly, community minded and witty - a far cry from the image of The Real Housewives.
In today's world of personal brand management, PR consultants, management companies and a myriad of coaches helping leaders, personalities and celebrities manage their businesses, careers, the media and social media platforms, it is interesting to consider how different things were for Jane.
Jane's identity was unknown in her lifetime. Women weren't encouraged to pursue such things and when her novels were published they did not bear her name; they were written by 'A Lady'. Her identity was revealed as soon as she died and the 'brand management' of Jane started in the first biographies and memoirs written by our family in the Victorian era. Jane didn't have access to the army of advisers I have consulted over my twenty year career. She couldn't 'Google' the myriad of online resources, consult business mentors or attend courses to help her write her novels or navigate the publishing world.
On the other hand, Jane lived a private life, uninterrupted by 24/7 media world we now live in. Jane had the luxury of focusing all of her efforts on her craft and the quality of her work. Jane didn't have to worry about being snapped by a smart phone on a quick run to the shops on a 'bad hair' day! Jane wasn't criticised on social media or hounded for her feminist views.
But she was also denied the benefit of talking directly to her audience or consulting industry experts. Jane had to rely on the opinions of her closest friends and family and follow her own instincts.
Regardless of the differences of time, instinct (and learning to trust your instinct) is perhaps the defining ingredient of success. We are now in an age of information overload. There are more opinions, advisers and case studies than any of us could possibly hope to make sense of. There is no full proof decision making process or guaranteed course of action. At the end of the day, it is our instinct that guides us and differentiates the choices we make.
Instinct defines the woman behind the brand, and I greatly enjoyed meeting the woman behind the Real Housewife.


text:
Marian Barber
Wayzata High Wayzata, MN Class of 2003
Memories of Marian Barber
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Highland News Leader
St. Jacob & Marine News for the week of June 4
Jakey in June
The Jakey in June barbecue competition and festival will be Friday through Sunday, June 5-7.
Unlike other BBQ contests, a Jakey in June, competitors are encouraged to sell their wares. Barbecue teams will be selling on Friday from 6 p.m. until it's gone, on Saturday from 4 p.m. until it's gone, and on Sunday from noon to 3 p.m. Most cooks sold out last year.
To wash it down, a wine and beer garden will be open during the festival.
Entertainment will include The Robert Perry Band with the Original Mojos 7 to 11 p.m. on Friday; Zydeco Crawdaddys from 3 to 6 p.m. on Saturday; and the Jason David Cooper Band on Saturday from 7 to 11 p.m.
St. Jacob Fire District to hold budget hearing
The St. Jacob Township Fire Protection District will hold a public hearing at 7 p.m. on Monday, July 13 on its Budget and Appropriation Ordinance for the the 2015-2016 fiscal year. The meeting will be held at the St. Jacob Fire Protection District firehouse, 113 East Second St. in St. Jacob.
A copy of the tentative budget will be available at the the office of Christopher A. Tolbert, district secretary, at the firehouse, starting on June 12 and up to the day of the hearing. Written and oral comments from the public concerning the proposed annual budget are welcome. The fiscal year runs from May 1, 2015 to April 30, 2016.
Marine HCE to meet
The Marine HCE unit will meet on at 7:30 p.m. on Tuesday June 16 at the Marine Senior Citizens Center. The Lesson for Living will be "Cooking with Garden Vegetables," presented by Lou Strickland and Teresa Abert. The roll call question will be: "Best Side Dish with Fried Chicken?" The hostess for the evening will be Connie Grapperhaus. Ladies in the area welcome to attend. For more information, call Grapperhaus at 887-4827, Strickland at (618) 789-6571 or Teresa Abert (618) 531-2746.
St. Jacob UCC
On Wednesday, June 10, the St. Jacob Church Council will meeting at 7:15 p.m., and AA will meet at 8 p.m.
St. Jacob Events
Every Thursday: Trash collection day
Every other Thursday: Recycling collection day
Every Friday: Yard waste pickup day
First and third Thursdays each month: Village Board meeting at 7 p.m. at Activity Center
June 5-7: Jakey in June BBQ Cook Off, visit www.jakeyinjune.com for more information.
July 17-18: St. Jacob Homecoming.
To submit an item to the St. Jacob & Marine News, email email@example.com or call 654-2366, ext. 21.


text:
Serving: Oakland, Stockton, San Francisco, Richmond
R&A Trucking Company, a Bay Area intermodal freight transport company, has been safely and securely handling domestic and international cargo and freight for over 39 years. Our intermodal transportation capability (rail, ship and truck) allows us to efficiently transport freight faster at a reduced rate.
Located in Oakland, California, R&A Trucking Company's all inclusive warehousing facility has direct rail and port access, making necessary changes in transportation modes seamless and efficient. Combined with our fleet of over 100 trucks, we are capable of managing all the integrated logistics steps necessary to transport freight and cargo. Our truck fleet includes flatbeds, box & van trailers, drop decks, end dumps, rolling tarp and curtain side to flexibly accommodate a wide variety of freight and cargo.
Our facility is equipped with a rail spur that runs directly behind our building. This unique component of our business allows your product to be brought directly to our warehouse so that it can be transloaded and distributed by rail to its final destination.
Our Services
R&A Trucking offers complete warehousing and distribution services for the Industrial commodities industry from large industrial coils to the small accessories. Our 135,000 square foot warehouse also serves as our distribution center where we will receive your goods, segregate them (if needed), place them into inventory, store and prepare them for distribution or final destination.
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text:
Eleanor A. McCoy of Wilmington, Ohio died 1:50 PM, Sunday, March 24, 2013 at Hospice of Dayton. Her husband, Fred M. McCoy, preceded her in death in 1991. Mrs. McCoy was born in Wilmington, Ohio, daughter of the late Everett and Imogene Bosier Miller. She was a graduate of Martinsville High School.
Mrs. McCoy is survived by a son, Bob Jackson of Martinsville, Ohio; three daughters, Patty Storer of Wilmington, Ohio, Cheryl (Kevin) Babb of Wilmington, Ohio, and Sonia (Howard Bowen) McCoy-Bowen of Wilmington, Ohio; two brothers, Bud Miller of Martinsville, Ohio and Richard Miller of Martinsville, Ohio; two sisters, Marilyn Ferguson of Martinsville, Ohio and Joan Miller of Martinsville, Ohio; five grandchildren, Robert S. Jackson, Kelly (Brian) Pinkerton, Heather Davis, Kari Babb, and Triston Bowen; and two great grandchildren, Mason Means and Myleigh Means. In addition to her husband and parents, three brothers, Wayne Miller, Gail Miller, and Don Miller, and three sisters, Mary Catherine Miller, Betty Ramey, and Martha Stewart, are preceded in death.
Services will be held at the convenience of the family. Burial will be in Clinton County Memory Gardens. If desired, memorial contributions may be made to Hospice of Dayton, 324 Wilmington Avenue, Dayton, Ohio 45420 or to the American Liver Foundation, 5755 Granger Road, Suite 335, Independence, Ohio 44131-1455.


text:
What Is Knowledge?
The eternal mystery of the world is its comprehensibility …
The fact that it is comprehensible is a miracle.
What we can *know*
is confined
by our ability to imagine
in the universe
that can be translated
into our narrow
symbolic thought
Part of a draft of a letter by Galileo in which he described the power of his new telescope. In these drawings he noted what he observed when he first looked through the telescope at Jupiter and was able to see its four moons.


text:
Undergraduate Research Symposium-Apply by Feb. 25
Hello Advisers,
With the Symposium deadline coming up on Monday (Feb. 25), we want to make sure that students are aware of our 2 remaining Abstract Writing Workshops (today and tomorrow) to help them apply, as well as our staff advising.
Please forward the info. below to undergraduates in all academic disciplines.
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *
Dear Students,
The deadline to present your work in the 16th Annual UW Undergraduate Research Symposium is coming up on Monday, February 25 at 5pm.
Students from all academic disciplines are encouraged to participate! You may apply to present a poster or an oral presentation. We will also have a dedicated performance space in nearby Meany Hall for performing arts presentations.
Go to http://exp.uw.edu/urp/symp for application, information (including workshops and practice sessions to help you prepare a stellar presentation).
Questions/Concerns? The Undergraduate Research Program staff are here help you with your application:
(1) Attend an Abstract Writing Workshop to help you prepare to submit your application:
Covers what exactly is an abstract, how to write one, and what information to include.
Tue. Feb. 19 – 2:30-3:30pm, MGH 171
Wed. Feb. 20 – 3:30-4:30pm, MGH 171
Registration available at: http://www.washington.edu/research/urp/courses/workshops/abstractwriting.html
(2) Come by for Drop-In Advising in 171 Mary Gates Hall (you're welcome to bring your draft abstract in for feedback!)
Winter Quarter: Monday, 12:30 – 2:30pm and Wednesday, 2:30 – 4:30pm, or by appointment: urp
(3) Contact URP: Stop by, email, or phone us with your questions
171 Mary Gates Hall urp (206) 543-4282
URP Staff


text:
We'd like to announce that we are no longer giving out accounts to our Closed Beta subscribers who have sent requests after 26 May 2008, 23:59. Also, the CB Account Giveaway event on MMOSite officially ended at 09:00 yesterday. To everyone who got into the Closed Beta, have fun playing!
We'd like to thank all our Closed Beta Testers for all their time spent in the game, for the wonderful feedback so far and for all the reports and suggestions you've been sending in order to improve the game! Remember, there is still an ongoing Closed Beta rewards system that will last until the end of CB, 1 June 2008! Good luck!


text:
Along with the globalisation of culture, we are witnessing the globalisation of unaccountable power and privilege, with a concomitant withering away of the power of ostensibly sovereign states. No nation today can resist the need to become part of the international economic community, and admission requires relinquishing considerable sovereignty.
Once enmeshed in the international economy, even quite large nations can be brought to their knees by overnight movements on the international financial markets over which they have no control.
Those who nominally manage the economies of nation states have very limited room to manoeuvre. They need to make sure that their published economic indicators do not hit any narrowly defined "Sell, sell, sell!" trigger points. Economic, and, by implication, social policies also need to fall within the bounds of the economic orthodoxy on which the reef fish of the international financial markets have been fed.
The growing power of trans-national corporations able to move resources and information between nations almost at will, is also at the expense of State power.
The internationalisation of the economic community and the globalisation of power are increasingly forcing nation-states to co-operate in trading blocs and international fora that constrain national sovereignty. These trans-national bodies lack the public accountability of many legislatures. They are also too remote to excite the attention of the average citizen.
Within many nation states we are also witnessing a conscious shrinking of the State, in favour of the corporate sector. Activities and assets formerly under State control have been relinquished or sold to the private sector, in the belief that these could be more efficiently managed there.
We have seen a proliferation of trans-national non-governmental organisations to address global issues, but many of these entities do not have the holistic remits that our States have, or the means to enforce their policies.
With contemporary communication technology, States are no longer able to manage the information that flows to their citizens. National boundaries have become irrelevant and national cultures are being "Kardashianised".
The world's handful of media conglomerates have become de facto cultural and moral conditioners of the global population, a role that formerly many states arrogated.
Media conglomerates as moral conditioners are now being displaced by unaccountable blog writers, social media opinion shapers, and "fake news". The visible Internet and the less visible Dark Web enable the anonymously unkind to twist and entrench the world views of a growing and increasingly radicalised support base.
An uncritical and addicted public hungrily scans the deluge of digital messages it receives for content bites that reinforce their particular prejudices, and filters out any contrary bites. It does not matter if a bite is true or false, as long as it is credible and self-affirming to the recipient. Risible conspiracy theories flourish while truth looks on helplessly. The mongers of hate, fear and untruth have never so easily been able to pander to our dark side.
Our civilised societies and states function only in a generalised environment of mutual tolerance and voluntary observance of the rule of law. The Internet-enabled erosion of truth erodes social cohesion and the civilised State's ability to govern kindly with a light hand.
All these trends have seen a rapid power shift away from the State, for which society has over the centuries developed mechanisms of accountability and constraint, to entities that are largely unaccountable to the public.
The custody of our values and our lives is passing from the imperfect care of our nation-states to a headless global juggernaut driven by profit and prejudice. In effect, we are witnessing a growing lawlessness, where increasing aspects of our lives are falling outside of reason and the rule of law.
The privileged, the criminal, the terrorist, the irrational, the self-serving, and the faceless unkind are increasingly trans-national, operating with apparent ease and impunity on the global high seas, beyond the reach of our State-based law enforcement systems.
Impunity feeds on itself. Disrespect for others and for the law spreads and deepens. Corrupution becomes normal and necessary. Crime pays better than work. Ironically anarchy becomes the order.
But just as the unkind and the profit-driven can harness the power of technology and act globally with increasing impunity, so can we...
We can awaken, arise, unite and act.
During the anarchic times of the European Middle Ages when Nation States were weak or non-existent, trans-national orders dedicated to the promulgation and enforcement of moral codes emerged. Globally we are now reaching a comparable point at which global orders of good men and women must emerge to fill the vacuum, and to guard the twilight zone between right and wrong, between truth and untruth, between creation and destruction, between hope and despair, and between civilised survival and a new dark age.
"The only thing necessary for evil to triumph is for good men to do nothing." [Edmund Burke 1729-1797]
© TruthInUnCertainty 2019
Article by: R A Mulholland


text:
Steve McQueen didn't wear replica Persol sunglasses. He had the real thing. His Porsches, Cobras and Ferraris were also all genuine.
Big difference between McQueen and the rest of us: He was a world-famous movie star with some fairly deep pockets. He also lived during the heyday of sports cars, when the latest and greatest were as close as the local dealership.
Today's enthusiasts have to face some different realities, thanks in large part to the law of supply and demand. Take the legendary Cobra as an example: Most of us would love to own one, but Shelby only built a few hundred copies. End result? Prices are through the roof. Logical solution to this situation? Replicas.
Replica cars have faced some tough opposition through the years, ranging from mild indifference to full-fledged disdain. What's the reality of the situation? Does going with a replica mean getting a less desirable car? Does owning one make you a second-class citizen? Will young children drop their Wii controllers when they point and laugh at you?


text:
White kitchen hutch is the sets of cabinet in that have amazing looks. The looks are great and amazing because the color of the cabinet is white the white color to paint the cabinet is choose because the white color will indicate the cabinet which is clean. Of course because it is clean, the arrangement in the cabinet is tidy. If it is untidy, it will easier to be seen that the kitchen is not well too be arranged.
What makes White kitchen hutch?
In the cabinet hutch, you may see that the size of the cabinet is smaller. The buffet in the cabinet is also smaller than usual size and the drawer, too. If you buy the hutch cabinet, the cabinet is available in some prices. The white hutch is choosing because the cabinet like this is match if it is applied in the kitchen rom. The cabinet will make your kitchen room is applied with special furniture; it is the cabinet hutch that can be used for anything activity.
Function of the kitchen
You can use the area of the cabinet as the storage to put the kitchen appliances, this is the way to make your kitchen room is more clean because of the white color and the kitchen is more tidy because everything is arranged well in the kitchen room. There is nothing in the room which is put carelessly.


text:
South Florida Stock Broker Fraud and Misrepresentation FINRA Arbitration and Litigation Lawyer, Russell L. Forkey, Esq.
Zero coupon securities - What are they and how do they work? If you are interested in finding out, please read the following post. However, keep in mind that this information is being provided for educational purposes only and is not designed to be complete in all material respects. Thus, it should not be relied upon as providing legal or investment advice. If you have any questions relative to the information provided herein, you should contact a qualified professional.
Zero coupon securities don't pay out their fixed rate of interest like other debt securities; they are issued at deep discounts and accumulate and compound the interest, then pay the fill face value at maturity. The primary attractions for the investor are mainly twofold: (1) they can be bought at very low prices because of the deep discount and (2) their yield to maturity is locked in, which takes the guesswork out of interest reinvestment.
The mathematical effects of a zero coupon security can seem astonishing, unless one is used to thinking in terms of compound interest over long periods of time. However, with every type of investment there are a number of disadvantages. For example, unless they are tax exempt, income taxes are payable as interest accrues and is payable out of money raised from another source; they are highly volatile; and their value at maturity can erode with inflation. Credit risk, especially with corporate zeros, can be greater than with a regular bond; if the issuer defaults after a certain amount of time has passed, the investor has more to lose, since nothing has been received along the way.
The following are principal types of zeros:
Corporate zero coupon securities: These are not usually recommended for individual investors because of credit risk and because the yield tends not to be competitive in relation to the risk.
Strips and STRIPS: Strips are U.S. Treasury or municipal securities that brokerage firms have separated into principal and interest which, represented by certificates (the actual securities are held in escrow), are marketed as zero coupon securities under proprietary acronyms. Although the obligor is actually the broker, the escrow arrangement assures a high degree of security. Free of risk altogether are STRIPS, Separate Trading of Registered Interest and Principal of Securities, the Treasury's acronym for its own zero coupon securities. STRIPS are Treasury bonds issued in the traditional way but separated into interest and principal components at the discretion of bondholders using book entry accounts at Federal Reserve Banks.
Strips of mortgage backed securities placed privately or by government agencies are also available. To enter the Federal Reserve's book entry system, however, federal agency strips must satisfy a technicality requiring a minimum of 1% of the principal of the underlying loans; in other words, they can't be 100% interest.
Municipal zero coupon securities: These securities are issued by sate and local governments and are usually exempt from federal taxes and from state taxes in the state of issue. They provide a convenient way of providing for future goals of high bracket investors who get an after tax benefit from their lower interest rates. One caveat, however: some are issued with call features, which can defeat the purpose of a zero from the investor's standpoint, so avoid those.
Zero coupon convertibles: Introduced in the mid-1980's, these convertibles come in two varieties: one, issued with a put option, coverts into common stock, thus providing growth potential; the other, usually a municipal bond, converts into an interest paying bond, thus enabling the investor to lock in a rate, then, 15 years later, to begin collection the interest.


text:
We connect unemployed (and underemployed) rural residents with digital professionals in order to provide a path forward to a better career and life.
Our digital professionals provide immediate action steps, key insights and lessons learned from their own journeys. Most of our mentors taught themselves digital skills, and then became telecommuters. Many live in rural areas.
We provide critical information and low-cost or free resources for committed rural residents to get on the path to digital literacy and digital competitiveness. We share insight on how the world of work is changing and what necessary actions must be taken by an individual to avoid becoming "obsolete."
Our options open the door for residents to proactively design a career change, and to discover and accomplish a lifestyle of their choice.
If you're interested in becoming a sponsor of Digital Path or becoming a Digital Path speaker and sharing your insights, drop me a line.


text:
Dear ELTA members,
As an IATEFL Associate, our members receive a special discounted price to become an Individual Basic member of IATEFL.
Please download the IATEFL Basic Membership Form, valid from 01 September 2018 until 31 August 2019. The price is £22.00. You will also find a flyer outlining the benefits of IATEFL membership.
Simply complete and return the attached form to email@example.com. Once full payment has been received the membership will be activated and a confirmation email sent to you.
ELTA team
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OLYMPIA, Wash. — A bank robbery near Capital High School has prompted a lockdown.
Slightly before 11 a.m. Monday, Olympia police say a man walked into O Bee Credit Union, at 400 Cooper Point Rd SW, and robbed it.
The suspect fled the building with an undisclosed amount of cash.
He is described as white man, possibly in his 50s with a mustache and 5'8″ feet tall. He was wearing glasses and a baseball hat with the words "Goodyear" on it.
If you see him, you are asked to call 911.
47.047104 -122.941237


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As a company, we have a fundamental responsibility to ensure that patients who need our medicines are able to access them. Our commitment to patients includes improving access to therapies regardless of where patients may live. Shire has delivered on this commitment by providing charitable donations of our products for patients with rare, genetic, hematologic, and immunologic conditions. And we continue to explore options for charitable donations through strong partnerships with third-party organizations that help identify the greatest areas of unmet patient needs around the world.
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by Diego Ramiro Lattes
The current political-economic situation in Brazil is very tense. I aim to be impartial to the best of my ability. However, objective data on the subject is hard to obtain, not only due to manipulation by all factions involved in the present crisis – but also due to how veiled Brazilian politics tend to be. The involvement of a Nobel Peace Prize Laureate and a special investigative organism on opposite sides have done nothing to assert which side is actually the honest one, not until more data surfaces. With this in mind, I present this tentative reflective piece.
The root of all: The PT's ascension
The PT (Partido dos Trabalhadores – Worker's Party) is currently Brazil's ruling party. It was not always so. It, and Brazil's current major opposition party PSDB (Partido da Social Democracia Brasileira) came about after a military coup d'etat removed João Goulart's democratic government from power in '64. Since then, the Worker's Party and the Social Democrats have been bitter rivals and have refused any form of cooperation and sympathy towards each other.
The origins of this rivalry can be found in their ideological composition: The PSDB is centrist and follows orthodox economic dogma, although it often does so with a pinch of Brazilian nationalism. The PT, meanwhile, is center-left, and is not afraid to ignore concerns about excessive interventionism – although I should clarify it is not necessarily heterodox on the economic front. The divide is clear, then: The PT appeals to the lower classes, the PSDB to the upper ones.
Since the PSDB does little to actually eradicate poverty, it should come as no surprise that "Little-Lula-peace-and-love" (this was an actual campaign slogan) managed to win the 2003 elections. Luiz Inácio Lula da Silva ruled Brazil from 2003 to 2011, and Dilma Rousseff took over that same year, and would rule until 2016. In May that same year, corruption charges got her suspended. Three months later she was removed from office. Michel Temer, who served as her vice-president, sits now as the incumbent 37th President of Brazil.
A brief look at the economics, and the PEC 55
We already established that, economics-wise, there is little deviation in Brazil's path from Neoliberalism. Several world-renowned companies are state-owned, particularly Petrobras – but there exists not a shred of doubt over the dogma of free trade or the idea that the budget should be balanced. Temer himself, despite his party having been in a coalition with the PT, made a key priority to pass the PEC 55 while he still had congressional support.
What is the "PEC 55"? Put simply, it is a radical austerity package that freezes state spending for 20 years on healthcare, education, and social security. The Washington Post called it "the mother of all austerity plans." It was praised by Western Neoliberal circles, but criticized by virtually everybody else. It is so bad that even human rights groups have deemed it a potential humanitarian crisis. There is even talk of privatizing Petrobras "one day" as Temer himself stated, although his ministers have waived the idea for the time being.
But perhaps the best way to look at Brazil's economics is through the eye of its society. Whereas most Latin American countries have a middle class of varying health, Brazil has a clear-cut rich-poor divide. You can see Sao Paulo's condos – and from the windows of these you can directly observe Favelas, Brazil's shanty towns. It got to the point that even Michael Jackson made a song about it, "They Don't Care About Us," back in 1996.
It is inevitable that such a socio-economic climate will be mired with corruption and backroom backstabbing, since the stakes are so great. The rich do not want to give up their positions of control, the poor might face death due to lack of support.
Lava Jato, the "Car Wash" corruption scandal
The gist of the corruption scandal appears to be this: High-ranking members of the PT have, through Petrobras, engaged in illicit self-enrichment, money-laundering and bribery – among other insidious activities.
The prosecution is being carried out by the Public Prosecutor's Office and Federal Police – these two now practically forming an independent branch of the government separated from the traditional three and while the charges appear to be legitimate, actual data on the subject comes only from popular media, so there is no telling which is actual fact and which is the yellow press in action.
But there is a major problem here: All parties involved appear to have a vested interest in upsetting the status quo. Lula received the support of Nobel Peace Prize Laureate Adolfo Pérez Esquivel, and still has quite a following in his country. He has even announced his intention to run for the 2018 elections, although going to prison would render him unable to legally receive the vote.
The PSDB wants the reins of Brazil back, and it is no wonder it is so eagerly supporting the prosecution of the PT. Worse is the fact that while the PT is falling, several groups – including Temer's party, the Brazilian Democratic Movement (Movimento Democrático Brasileiro) – are doing their best to push the country back towards 'proper' orthodox economic thought. It should be noted that Temer himself was also implicated in the corruption scandal and yet is not facing the same charges Lula is – no doubt fueling the growing unrest in Brazil.
The Brazilian public itself seems divided. Most seem to support the prosecution of corrupt public ministers, but also seem to support the PT's policies. If austerity is continued, the PT (or another party farther to the left) might see a comeback. Whether they will get a fair deal out of this mess is yet to be known.
The future 2018 elections
The PT still appears to have a significant following, but unlike Argentina or other countries Brazil appears to have many major and active parties trying for the office of President. Temer's MDB has significant support despite the charges against the Incumbent President, and he himself could be a candidate; I already stated Lula's position above. The PSDB wants to see a President of their own as well.
But where will Brazil go from here on? I will be surprised if Lula is allowed to run – it would make more political sense to let him face his corruption charges, since "surrogate candidates" are never as popular as the figures they represent. At the same time, I think the Brazilian public should not put any trust in Temer's MDB. At this point, he has not only made overtures towards moving the country far into Neoliberal territory, but he has even made an effort to repeal laws protecting the Amazon rainforest.
Brazil's history of hyperinflations and currency changes (from 1980 until 1994) are the result of supply side factors (1970's oil crisis) and ruling class conflicts (political instability). As a fellow Latin American I can only comment on one thing: Latin Americans have, in their many years during and since military dictatorships, learned very little about politics, let alone economics.
Diego Ramiro Lattes is from South America, Argentina, and has a low tolerance for nonsense, be it left wing or right wing. He can be reached over Twitter and is open to direct messages. https://twitter.com/JStockDesign


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US Capital Partners to Attend the CFA Annual Convention in Phoenix, Arizona on November 14–16
Private investment bank offers commercial lending institutions unique opportunities for structuring optimal financing solutions for their clients to help drive growth.
SAN FRANCISCO, NOVEMBER 2012 – US Capital Partners, LLC will attend and exhibit at the Commercial Finance Association's 2012 Annual Convention on November 14–16 at the JW Marriott Desert Ridge in Phoenix, Arizona. US Capital Partners is a private investment bank, direct lender, co-lender, and lead financial arranger that specializes in business loans and equity financing for small to lower middle market companies.
The Commercial Finance Association (CFA) is the international trade association dedicated to the asset-based lending and factoring industries. In attendance at this year's CFA Convention from US Capital Partners will be Jeffrey Sweeney, CEO and Managing Director, and Director Charles Towle.
We look forward to this important industry event to meet and connect with other lenders and funding sources," said Sweeney. "As an alternative lender, our ability to loan against a wide variety of asset classes makes us attractive to commercial factors and other lending institutions interested in co-lending with us on their favored assets. If you are attending the Convention this year, please come and find us at booth #206. We look forward to meeting our friends and colleagues in the industry."
About US Capital Partners, LLC
Since 1998, US Capital Partners (www.uscapitalpartners.net) has been providing prompt, innovative, and reliable financing solutions including lending, corporate financing, and debt re-structuring to businesses across the United States and abroad. US Capital Partners is a private investment bank that specializes in asset-based debt and equity financing for small to middle market private and public companies. The company's innovative approach allows it to provide the best financing available, not only for companies in excellent financial condition, but also for companies that may have been refused credit by traditional lenders.
If you would like to know more about how your business can secure the financing it needs, email Jeffrey Sweeney, CEO and Managing Director, at firstname.lastname@example.com or call (415) 889-1010.


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If you give me 15 minutes a day for 5 days to show you how to get your Bride attracting Facebook Ad up and running… would you take that opportunity?
If you're screaming hell yaaaaaasssss! Click the 'gimmie more info' button & I'll send you the down and dirty details ;)


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This is my second of four posts on motivation…
I was not alone in my scepticism about the mission to 'get people to be excellent' at ECEW, where employee engagement is a central stream. Many of the delegates are talking about motivating legions of staff in contact centres. We don't hire legions of staff into social media roles, but we do need to hire people with the right aptitudes and attitudes.
Heather Taylor, community manager at the BBC, was a welcome and timely dose of optimism to counter my leaning towards cynicism.


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Dear Susan and David, Thanks for all your help finding us a beautiful home in Florida! In the fast moving real-estate market in Southwest Florida, what a great piece of mind knowing we selected a highly motivated salesperson with a vast knowledge of community developments, market values, school systems, neighborhoods and many other areas of concern. Your professionalism and sincerity are well appreciated. Thank again!
Hi Susan, I found you to have an excellent knowledge of the market. You were always professional, very driven, and can be relied upon to get the job done. You explained the process of selling and buying e.g. how to establish a selling price. You returned calls promptly and were help with extraneous matters such as obtaining insurance. Finally, you always look attractive and you have a great personality. P.S. I enjoyed lunch and would love to do it again.
Susan, I just wanted to thank you for helping us get into our first home. Working with you was very easy. It was like from the moment we met at the first house you helped us find out everything we needed to know and made it easy for us to find the perfect home. This was our first home so we had nothing to compare it to but you made it way to easy. You were very helpful in everything you did. The only way that you could have been more helpful is if you had put down the deposit. When Liz and I thought that we lost our dream home you called us and had lined up more homes to see over the weekend. You kept calling around to other Realtors after we lost what we thought was a sure thing that a house that we wanted more but could not afford dropped its price if we could do a 21 day close. In doing a 21 day close for the first time it was very stressful but you helped push everything though so we had no questions or problems at closing. Thank again,
The Susan Owens Team, Realtors®
Susan Owens: (239) 248-5580 | email@example.com
David Jablonski: (239) 961-1170 | email@example.com
Amerivest Realty | Naples Florida
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Dong Deng is a master student in the Department of Computer Science, Tsinghua University. His research interests fall in the field of database management system. He has published seven high quality papers in cutting-edge conferences and journals on the topics of data cleaning and data integration. He is the winner of scalable string similarity join competition which held in conjunction with EDBT/ICDT 2013. He got the Outstanding Graduate of Beijing Award in 2011, which is the highest honor bestowed upon the students in Beijing who demonstrate excellent performance over the four years undergraduate study. He also awarded Intel Fellowship and National Graduate Fellowship.
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Capitol reporter Katie Meyer covers Pennsylvania politics and issues at the Pennsylvania state capitol.
The State House Sound Bites Podcast is now called State of the State and is a part of PA Post, a digital-first, citizen-focused news organization to hold Pennsylvania's government accountable to its citizens.
Alloway, right, broke the news that he would be resigning unexpectedly on Friday. (Photo by AP)
(Harrisburg) -- A Republican state senator is stepping down at the end of February--just two months into a new legislative session.
Senator Richard Alloway's announcement came unexpectedly, and with few additional details.
He first joined the Senate a decade ago, and now serves as the chair of the chamber's Game and Fisheries Committee. His southcentral Pennsylvania district covers Adams County and parts of Franklin, Cumberland, and York.
In his retirement announcement, he said only that "the time has come" for him to "move on to other endeavors and pursue new opportunities."
A spokesman for Alloway didn't return a request for comment.
Alloway would have been up for reelection in 2020. The seat will now be added to a growing list of Pennsylvania special elections, and a new senator will be voted to serve out the rest of the term.
The special election list includes two each in the state House and Senate, and one in Congress.
Alloway's district isn't considered particularly competitive for Democrats. He ran unopposed in 2016, and Hillary Clinton netted just 29 percent of the presidential election vote there that year.
Published in News, State House Sound Bitesback to top
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>LogMeIn: Lofty Valuation May Take a Hit
October 27, 2010
>A New York presenter recommends a short on LogMeIn (NASDAQ: LOGM, $37.10). The company provides remote access services to the SMID, enterprise, and consumer markets. LOGM has been able to make some headway with its products, but the free remote access functionality offered by Windows 7 and the threat from much larger competitors like Citrix and Cisco can quickly erode the gains the company has made so far. Its Ignition product for iPads is in intense competition with a number of similar applications, most of which are priced significantly cheaper. The stock has run up on the back of the Ignition launch in April, but now the buzz seems to be fading. Trading at 50 times forward earnings, the presenter believes LOGM is a short at this level.
>Cleveland Biolabs Not a Typical Biotech Play
October 26, 2010
>A New York presenter is recommending Cleveland Biolabs (NASDAQ: CBLI, $7.02) as a buy. The company will be filing an application with the FDA next year for its anti-radiation drug CBLB502. Unlike the regular process, the filing will be done under the animal efficacy rule, where only a proof of efficacy in animals and safety trials in humans are required. CBLB502 has shown a remarkable efficacy profile in promates and mice and the company has already successfully concluded two human safety trials. The downside risk has been reduced substantially with the award of a contract by the DOD last month. The potential market for medical applications for the drug in reduction of radiation and chemoterapy treatment side effects far exceeds the defense uses. CBLI's research is supported by various government agencies. The company has other promising programs in its pipeline. The presenter believes that the upside could be very large at this level.
>Roulston's Auto Expert with GM's former Chair on CNBC
October 26, 2010
>Paul Ingrassia, one of the most well-known and connected auto industry experts, will be on CNBC at 1.30pm ET with Bob Lutz, former GM Chairman. Paul participated in two auto roundtables we hosted last week in New York. He will be meeting with top executives at Ford and GM in the next several weeks. If you would like to set up a discussion with Paul, please let us know.
Paul Ingrassia, Independent Consultant, Journalist, Author, former President, Dow Jones Newswires (In January, Mr. Ingrassia published Crash Course, a book about 2009 bailouts and bankruptcies of GM and Chrysler. Paul is a Pulitzer Prize-winning journalist, author and former news executive, who worked for The Wall Street Journal and its parent company for 31 years, focusing on the automotive industry, which continues to be the subject of his books and commentaries. He is a regular contributor to the op-ed page of the Journal, SmartMoney magazine, Nihon Keizei Shimbun and CNBC.)
>EBIX: Technology Leader in Insurance Software Services
October 20, 2010
>A New York presenter likes Ebix (NASDAQ: EBIX, $23.83). The company operates insurance exchanges around the world that allow carriers to initiate and process policies in a paperless mode. 70% of revenue is recurring. EBIX is growing at 40% rates despite headwinds in the insurance space, with margins approaching 50%. The company is a clear technology leader offering the only end-to-end bundled solution available. There are multiple opportunities for expansion, both in the domestic market and overseas. Ebix is executing an acquisition strategy focused on immediate accretion to supplement organic growth. The presenter believes the stock can double or triple from this level as the company continues to take share in a $10 billion market.
>Chairman and Chief Investment Officer, Cumberland Advisors, shares his thoughts on the foreclosure mess
October 18, 2010
>David R. Kotok, Chairman and Chief Investment Officer of Cumberland Advisors, has shared the thoughts from a source in the financial services industry on the foreclosure situation.
"Homeowners can only be foreclosed and evicted from their homes by the person or institution who actually has the loan paper—only the note-holder has legal standing to ask a court to foreclose and evict. Not the mortgage, the note, which is the actual IOU that people sign, promising to pay back the mortgage loan
Before mortgage-backed securities, most mortgage loans were issued by the local savings & loan. So the note usually didn't go anywhere: it stayed in the offices of the S&L down the street.
But once mortgage loan securitization happened, things got sloppy—they got sloppy by the very nature of mortgage-backed securities.
The whole purpose of MBSs was for different investors to have their different risk appetites satiated with different bonds. Some bond customers wanted super-safe bonds with low returns, some others wanted riskier bonds with correspondingly higher rates of return.
Therefore, as everyone knows, the loans were "bundled" into REMIC's (Real-Estate Mortgage Investment Conduits, a special vehicle designed to hold the loans for tax purposes), and then "sliced & diced"—split up and put into tranches, according to their likelihood of default, their interest rates, and other characteristics.
This slicing and dicing created "senior tranches," where the loans would likely be paid in full, if the past history of mortgage loan statistics was to be believed. And it also created "junior tranches," where the loans might well default, again according to past history and statistics. (A whole range of tranches was created, of course, but for the purposes of this discussion we can ignore all those countless other variations.)
These various tranches were sold to different investors, according to their risk appetite. That's why some of the MBS bonds were rated as safe as Treasury bonds, and others were rated by the ratings agencies as risky as junk bonds.
But here's the key issue: When an MBS was first created, all the mortgages were pristine—none had defaulted yet, because they were all brand-new loans. Statistically, some would default and some others would be paid back in full—but which ones specifically would default? No one knew, of course. If I toss a coin 1,000 times, statistically, 500 tosses the coin will land heads—but what will the result be of, say, the 723rd toss? No one knows.
Same with mortgages.
So in fact, it wasn't that the riskier loans were in junior tranches and the safer ones were in senior tranches: rather, all the loans were in the REMIC, and if and when a mortgage in a given bundle of mortgages defaulted, the junior tranche holders would take the losses first, and the senior tranche holder last.
But who were the owners of the junior-tranche bond and the senior-tranche bonds? Two different people. Therefore, the mortgage note was not actually signed over to the bond holder. In fact, it couldn't be signed over. Because, again, since no one knew which mortgage would default first, it was impossible to assign a specific mortgage to a specific bond.
Therefore, how to make sure the safe mortgage loan stayed with the safe MBS tranche, and the risky and/or defaulting mortgage went to the riskier tranche?
Enter stage right the famed MERS—the Mortgage Electronic Registration System.
MERS was the repository of these digitized mortgage notes that the banks originated from the actual mortgage loans signed by homebuyers. MERS was jointly owned by Fannie Mae and Freddie Mac (yes, those two again —I know, I know: like the chlamydia and the gonorrhea of the financial world—you cure 'em, but they just keep coming back).
The purpose of MERS was to help in the securitization process. Basically, MERS directed defaulting mortgages to the appropriate tranches of mortgage bonds. MERS was essentially where the digitized mortgage notes were sliced and diced and rearranged so as to create the mortgage-backed securities. Think of MERS as Dr. Frankenstein's operating table, where the beast got put together.
However, legally—and this is the important part—MERS didn't hold any mortgage notes: the true owner of the mortgage notes should have been the REMICs.
But the REMICs didn't own the notes either, because of a fluke of the ratings agencies: the REMICs had to be "bankruptcy remote," in order to get the precious ratings needed to peddle mortgage-backed Securities to institutional investors.
So somewhere between the REMICs and MERS, the chain of title was broken.
Now, what does "broken chain of title" mean? Simple: when a homebuyer signs a mortgage, the key document is the note. As I said before, it's the actual IOU. In order for the mortgage note to be sold or transferred to someone else (and therefore turned into a mortgage-backed security), this document has to be physically endorsed to the next person. All of these signatures on the note are called the "chain of title."
You can endorse the note as many times as you please—but you have to have a clear chain of title right on the actual note: I sold the note to Moe, who sold it to Larry, who sold it to Curly, and all our notarized signatures are actually, physically, on the note, one after the other.
If for whatever reason any of these signatures is skipped, then the chain of title is said to be broken. Therefore, legally, the mortgage note is no longer valid. That is, the person who took out the mortgage loan to pay for the house no longer owes the loan, because he no longer knows whom to pay.
To repeat: if the chain of title of the note is broken, then the borrower no longer owes any money on the loan.
Read that last sentence again, please. Don't worry, I'll wait.
You read it again? Good: Now you see the can of worms that's opening up.
The broken chain of title might not have been an issue if there hadn't been an unusual number of foreclosures. Before the housing bubble collapse, the people who defaulted on their mortgages wouldn't have bothered to check to see that the paperwork was in order.
But as everyone knows, following the housing collapse of 2007-'10-and-counting, there has been a boatload of foreclosures—and foreclosures on a lot of people who weren't sloppy bums who skipped out on their mortgage payments, but smart and cautious people who got squeezed by circumstances.
These people started contesting their foreclosures and evictions, and so started looking into the chain-of-title issue, and that's when the paperwork became important. So the chain of title became crucial and the botched paperwork became a nontrivial issue.
Now, the banks had hired "foreclosure mills"—law firms that specialized in foreclosures—in order to handle the massive volume of foreclosures and evictions that occurred because of the housing crisis. The foreclosure mills, as one would expect, were the first to spot the broken chain of titles.
Well, what do you know, it turns out that these foreclosure mills might have faked and falsified documentation, so as to fraudulently repair the chain-of-title issue, thereby "proving" that the banks had judicial standing to foreclose on delinquent mortgages. These foreclosure mills might have even forged the loan note itself—
Wait, why am I hedging? The foreclosure mills did actually, deliberately, and categorically fake and falsify documents, in order to expedite these foreclosures and evictions. Yves Smith at Naked Capitalism, who has been all over this story, put up a price list for this "service" from a company called DocX—yes, a price list for forged documents. Talk about your one-stop shopping!
So in other words, a massive fraud was carried out, with the inevitable innocent bystanders getting caught up in the fraud: the guy who got foreclosed and evicted from his home in Florida, even though he didn't actually have a mortgage, and in fact owned his house free –and clear. The family that was foreclosed and evicted, even though they had a perfect mortgage payment record. Et cetera, depressing et cetera.
Now, the reason this all came to light is not because too many people were getting screwed by the banks or the government or someone with some power saw what was going on and decided to put a stop to it—that would have been nice, to see a shining knight in armor, riding on a white horse.
But that's not how America works nowadays.
No, alarm bells started going off when the title insurance companies started to refuse to insure the titles.
In every sale, a title insurance company insures that the title is free –and clear —that the prospective buyer is in fact buying a properly vetted house, with its title issues all in order. Title insurance companies stopped providing their service because—of course—they didn't want to expose themselves to the risk that the chain –of title had been broken, and that the bank had illegally foreclosed on the previous owner.
That's when things started getting interesting: that's when the attorneys general of various states started snooping around and making noises (elections are coming up, after all).
The fact that Ally Financial (formerly GMAC), JP Morgan Chase, and now Bank of America have suspended foreclosures signals that this is a serious problem—obviously. Banks that size, with that much exposure to foreclosed properties, don't suspend foreclosures just because they're good corporate citizens who want to do the right thing, and who have all their paperwork in strict order—they're halting their foreclosures for a reason.
The move by the United States Congress last week, to sneak by the Interstate Recognition of Notarizations Act? That was all the banking lobby. They wanted to shove down that law, so that their foreclosure mills' forged and fraudulent documents would not be scrutinized by out-of-state judges. (The spineless cowards in the Senate carried out their master's will by a voice vote—so that there would be no registry of who had voted for it, and therefore no accountability.)
And President Obama's pocket veto of the measure? He had to veto it—if he'd signed it, there would have been political hell to pay, plus it would have been challenged almost immediately, and likely overturned as unconstitutional in short order. (But he didn't have the gumption to come right out and veto it—he pocket vetoed it.)
As soon as the White House announced the pocket veto—the very next day!—Bank of America halted all foreclosures, nationwide.
Why do you think that happened? Because the banks are in trouble—again. Over the same thing as last time—the damned mortgage-backed securities!
The reason the banks are in the tank again is, if they've been foreclosing on people they didn't have the legal right to foreclose on, then those people have the right to get their houses back. And the people who bought those foreclosed houses from the bank might not actually own the houses they paid for.
And it won't matter if a particular case—or even most cases—were on the up –and up: It won't matter if most of the foreclosures and evictions were truly due to the homeowner failing to pay his mortgage. The fraud committed by the foreclosure mills casts enough doubt that, now, all foreclosures come into question. Not only that, all mortgages come into question.
People still haven't figured out what all this means. But I'll tell you: if enough mortgage-paying homeowners realize that they may be able to get out of their mortgage loans and keep their houses, scott-free? That's basically a license to halt payments right now, thank you. That's basically a license to tell the banks to take a hike.
What are the banks going to do—try to foreclose and then evict you? Show me the paper, Mr. Banker, will be all you need to say.
This is a major, major crisis. The Lehman bankruptcy could be a spring rain compared to this hurricane. And if this isn't handled right—and handled right quick, in the next couple of weeks at the outside—this crisis could also spell the end of the mortgage business altogether. Of banking altogether. Hell, of civil society. What do you think happens in a country when the citizens realize they don't need to pay their debts?"


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I took the time over the weekend to read Paulo Coelho's first book: "The Alchemist". I wanted to read it for a long time now because I heard so much good about it and it's deeper meaning although it's only a short book of roughly 200 pages.
The story is about a young Andalusian shepherd who travels to Egypt to see the pyramids and find his Personal Legend. Triggered by prophetic dreams and strange encounters with a gipsy woman and a king he starts his journey to find this promised treasure. On his way he is robbed, becomes a master crystal seller and travels with a caravan through the desert. The book title comes from the last "teacher" he meets, which is the Alchemist. Someone who mastered the language of the world and helps the young shepherd to fulfill his destiny.
The story teaches us big ideas in small packages that are exceptionally esoteric and spiritual in their nature. If you can look past that and take it as a universal tale, you can find a lot of modern applications and just plain good advice for life in general within the story.
I recommend you pick up a copy of the book and read it for yourself, depending on your reading speed you can be done in 2-3 hours but reflecting on the book might take a bit longer to really grasp the message within.
Here are some ideas that are presented in the book that could be taken from modern business arcticles, although Paulo Coelho wrote it almost 30 years in advance.
Intuition is a thing
"Trust your gut" is probably one of those things you hear from others when you have to make a difficult decision. What the young shepherd learns to do is to listen to his heart, understanding signs and omens that guide him. At the beginning of his journey we hear his thoughts and reasoning and it seems very rational at first. By the end of the book you won't find any doubting thoughts in his mind he embraces his intuition and follows his heart.
An important lesson for us is to also trust more in ourselves. Looking at your daily decisions, being private or professional decisions, there is almost never a 100% pure correct answer. You can never really know if your decision is right, although you try to make it as logical as possible for yourself.
The safest bet you can make is to go with your gut when the bet itself does not ruin you. We hear the shepherd multiple times say to himself "I can always go back to being a shepherd...". So what has he to lose? Of course his flock, but he can buy back sheep by sheep and he will be back at his normal life soon enough. This is actually pretty assuring and helps to make braver decisions. Just think about it. If you are an accountant, you can travel the world for 5 years, come back and find a new job as an accountant. Jobs don't just die out like that and in the current generation of start-ups there is no shortage of open job positions for people with real life experience.
The journey is the reward
During his journey the shepherd realised he'd learnt things he would've never picked up on his usual job. The people he met and the knowledge he gained about himself and the world is invaluable to him. I totally agree with that. By doing something out of the norm and unusual for you, you will learn and grow quicker and be less afraid of change in the future.
Expanding your comfort zone will give you a better understanding of yourself and it will help you adapt more quickly. I'm not someone who likes to travel a lot, but when I travel I always find a new experience on the way that I would have not had in any other instance. Having a dream or a goal in the future will also help you to define the way to this goal, because you can ask yourself: "Will this help me get to where I want to be in x years?".
Coming back to our accountant example: While you travel, you could fall in love and because of that, learn a new language. After a few months you might be able to become an accountant in another country, so why would you return home then?
Every experience makes us "richer". There is always something new to conquer.
The universe wants you to succeed
I've written about this before, e.g. when you are on stage, people want to be entertained, they want you to succeed. The shepherd is told by an old king that he should watch out for the omens to guide his journey. Meaning that by observing his environment he is able to make the right decision. He kind of "feels it". In one scene he sees two falcons fight in the sky in the desert and interprets it as a sign that the oasis he currently lives will be attacked by bandits.
In modern terms I think that it comes down to preparation and observation. Everything comes down to filters. Did you ever notice that after you bought something new, a red car or a white phone, suddenly you see so much more people driving red cars or using white phones? You ask yourself, how is this possible? Well, your brain has a new filter and now you are primed on those things, it pretty amazing.
So, setting your mind towards a goal will help you see opportunity where there would've been none before. Suddenly everyone is talking about this particular problem or looks for that specific product.
It is like a self-fulfilling prophecy. This is why I enjoy meditation so much. If you want to be more calm and focused, you have to create the environment for it and train your mind. You sit down and you make time for the excercise and you will experience a different version of yourself.
In the end...
don't let spiritual topics or esoterics get in the way of looking beind the curtain and seeing the bigger picture. Stories will always stay better with us than direct speech, so exceptionel story tellers like Paulo Coelho will continue to use stories to deliver ideas. We only have to listen closely and read between the lines to get something out of it, no matter the time we live in.
Thanks for reading!


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Look, anyone who knows me is aware of my severe lack of fondness for spiders, as well as my love for movies about them. (I am riddled with inconsistency.) 1977 was a vintage year for arachnids; in addition to one of my all time favorite movies, Kingdom of the Spiders, the small screen offered up the telefilm Curse of the Black Widow, a Dan Curtis effort that never fails to entertain. Just keep the buggers away from me, okay?
Originally broadcast September 16th as part of The ABC Friday Night Movie, Curse went up against Logan's Run/Switch! on CBS, and the much tougher competition, NBC's The Rockford Files/Quincy, M.E. For those not inclined to have Jack Klugman yell in their face for an hour, Curtis' Curse offered a fun, goofy alternative.
Let's crack open our cobwebbed faux TV GUIDE and have a look see:
CURSE OF THE BLACK WIDOW (Friday, 9pm, ABC)
A private eye investigates a series of murders in which the victims are mysteriously wrapped in spider webbing. Anthony Franciosa, Patty Duke, Donna Mills star.
We open in a seedy California bar as the regulars, including P.I. Mark Higbie (Franciosa – Tenebrae), encounter a European woman named Valerie who needs a ride home. One of the gents obliges, and meets his demise at the hands (and glowing eyes) of Valerie right in the parking lot. Enter Lt. Gully Conti (Vic Morrow – Humanoids from the Deep) and medical examiner Ragsdale (Max Gail – Barney Miller), none too keen to let Higbie in on the investigation.
But he does his own digging, and finds out that there have been several murders through the years in the same area; men wrapped in a silken cocoon with two huge puncture marks in their chest – and all their blood drained. Oh, and replaced with black widow venom. Into his life comes Leigh (Mills – Knots Landing), who wants Higbie to find out why the cops are questioning her about the bar death. Well, as it turns out Leigh was either married to, or dated, every one of the punctured spider beaus. Our intrepid sleuth presses further, and finds out that Leigh and her twin sister Laura (Duke – The Swarm) were in an airplane crash as babies, and one of them was bitten several times by a horde (cache? Gaggle? Pod?) of black widow spiders. Perhaps there's something to the Native American folklore of the Spider Woman who preys during the full moon…
You simply have to be on board with Dan Curtis to enjoy Curse of the Black Widow; ubiquitous throughout the '70s, if you watched the daytime soap Dark Shadows, the Carl Kolchak TV movies The Night Stalker and The Night Strangler, the theatrical (and personal favorite) Burnt Offerings, and Karen Black's TV tour de force Trilogy of Terror, you were weaned on a whole lot of Curtis, be it as a producer and/or director. While he always put together top notch talent, he was underrated as a director; not the most visually stylish perhaps, but he always drew solid work from his casts and could tell a hell of a story.
Much like this one. One part '50s giant monster movie, two parts Raymond Chandler, Curse has enough plot for three horror films yet somehow Curtis makes it all work. Is it silly? Of course it is. How could the tale of a femme fatale cum giant spider be anything but? His work is firmly focused on character, even if they're thinly drawn; Curtis knows he's giving us outlines here, but so do a lot of noirs that deal in types, not people. Look at the character names: Higbie. Gully. Leigh and Laura Lockwood. Ragsdale. Higbie's assistant, played wonderfully by Roz Kelly (New Year's Evil) is called Flaps. The teleplay by Robert Blees (Frogs) and Earl W. Wallace (Witness) knows exactly what it is, unapologetically so; they lean into the ridiculous even while the actors play it straight, making it even funnier. Curse often plays like a stretched out Kolchak episode without Darren McGavin; and while that may seem disappointing, it still offers as much charm as Curtis can cram onto the screen.
Franciosa is especially energetic as Higbie, Duke shows off a few new flavors I never noticed before, and if Morrow is in, so am I. My favorite bit part is awarded to that legendary Native American actor *checks notes* Jeff Corey (Battle Beyond the Stars), who offers up an exposition dump near the end, caterpillar eyebrows and all.
As for that ending: Curtis lets it all hang out in a fiery climax, and if you were just sticking around to see a less than convincing monstrous arachnid, you're in luck. Curtis makes no apologies for that either, nor does he hide it. Curse of the Black Widow has no time to wallow in its shortcomings; when you're this busy being entertaining, why bother?Next: It Came From The Tube: John Carpenter's SOMEONE'S WATCHING ME! (1978)


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2009.08.19 gorący, upalny letni dzień gdzieś w Wielkopolsce…
2009.08.19 gorący, upalny letni dzień gdzieś w Wielkopolsce…
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John Wuorinen '80 has served as Director of Admissions and Financial Aid at Columbus Academy since 2008, and also is an upper school advisor and the CLS secretary. John has also served in several other roles in his time at CA, including as Dean of Upper School, Upper School math teacher, head and assistant swim coach, math chair, as well as the first middle school golf and bowling club coach. He was born in New Jersey before moving to Central Ohio when he was seven-years-old, initially residing in Upper Arlington before settling in Bexley. As a student at Academy, John was a member of the swim team and JV soccer team, as well as varsity soccer manager and member of the yearbook staff and frisbee club, and aspired to become a math teacher on campus. Outside of work, John enjoys watching TV or Netflix series with his wife, Liz, socializing with friends, doing crossword puzzles, traveling, birding and has counted 72 different species on campus. John and Liz have three sons, Conrad '12, Alec '13 and Calvin '16.
John's favorite thing about Columbus Academy
"Getting to introduce new students and families to Academy."
What was your favorite class taken throughout your educational career?
"My favorite classes were ones here at Academy. There were lots that were great, but the two that come to mind are Kelly Moody's French 4 and Rainey Taylor's US History."
Little-known fact
"I have visited 49 states...still have to get to Hawaii!"
- B.A. University of Virginia


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Congratulations Irma and Balvino on your bundle of joy, and thank you for allowing Dr. Herrera and the South Central Kansas Medical Center birthing team to be part of this special moment in your lives.


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Read more about how to do cat & cow in alignment, to gently gain movement in your spine…yogaoutlet.com/how-to-do-cat-cow-pose


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My Top 10: A Guide to the Best Ethical Clothing Companies
Here is a list of my top ten favorite brands in ethical and sustainable fashion. There are plenty more brands that are doing amazing things in this industry, but for now please enjoy my (ever changing) list of favorites!
The SHINE Project | $
Women's jewelry.
The mission: "Wear Change. Ignite Hope."
This mission is accomplished when you purchase beautiful jewelry from this company who employs inner city youth in Phoenix to help them go to college.
The SHINE Project was founded by Ashley Lemieux right after she started her scholarship fund to help inner-city high school students receive college scholarships. She realized that students didn't just need college paid for, they needed jobs that would teach them tangible skills and help them achieve their dreams.
The jewelry: Beautiful and inspiring! This jewelry is incredible for gift giving. I received my first bracelet as a gift, and absolutely love it.
Threads 4 Thought | $$
Men and Women's clothing.
The mission: "By purchasing a Threads 4 Thought product, you are voting for products that help to improve our planet & move the fashion industry towards a healthier future for us all." Threads 4 Thought is sustainable, fair trade, and proudly displays photos of each factory they work with overseas.
The clothing: With casual looks you'll love, Threads 4 Thought is one of my favorite fair trade brands! Great for workout clothes as well as casual, laid-back styles.
Women's leather bags & jewelry.
The mission: "1. We design & make beautiful quality products. 2. Your purchase creates jobs for women around the world. 3. Wear, share, and feel great about your decision."
The products: FASHIONABLE creates beautiful leather bags of all sizes. Their jewelry is perfect for staple pieces, and are elegantly simple. The products are high-quality and well worth the price.
*Get $10 off your first purchase when you sign up for their e-mail list!
The Giving Keys | $$
Men and Women's jewelry.
The mission: Their goal is to "inspire the world to pay it forward". They do this by selling necklaces, bracelets and earrings that are both fashionable and meaningful.
The jewelry: You can choose a word of encouragement to be engraved into your key such as love, brave, believe, dream, fearless, faith, hope, strength, etc.." The idea is to wear the necklace, then pass it on to someone who you feel needs it more than you do. I received my "Brave" necklace as a gift from my Mom at Christmas, and it was one of the most meaningful gifts I received!
Elegantees | $$
Women's clothing.
The mission: Elegantees designers are in the heart of the fashion industry: New York City. Their clothing however, is made by artisan seamstresses in Nepal. Their goal is to keep women out of the rampant sex slave trade in Nepal by providing them with jobs and fair living wages so that they can support their families.
The clothing: Elegant and flirty tees, tunics, and dresses.
*Free shipping and returns to the US!
prAna | $$
Men and Women's clothing. Based in Carlsbad, California.
The mission: "We seek out materials from sustainable sources. Our people are treated fairly. The processes we use improve our industry".
The clothing: The company is a favorite for yogis around the world, but they offer stylish pieces across the board for both active and leisure wear. They also sell jewelry, dresses and swimsuits! Their jeans have great reviews as well.
*Sign up for their e-mail list and receive 10% off your first purchase!
Everlane | $
Men and Women's clothing & shoes..
The mission: "Radical Transparency."
"Know your factories. Know your costs. Always ask why."
Everlane displays a chart for each clothing item that breaks down exactly how much an item costs to make. I love this feauture so that I know exactly how much Everlane is profiting and how much the seamstress who made the item was paid.
The clothing: Elegant & classy! Great for staple pieces or the working professional, Everlane is popular in the UK for a reason and are very affordable.
*My favorite part about Everlane is their "Choose what you pay" section. Rather than putting an item on sale, you get to choose what you pay, and can clearly see what each price point provides the company with. Check out the section for yourself to see what I mean!
Patagonia | $$$
Men and Women's clothing.
The mission: "Build the best product, cause no unnecessary harm, use business to inspire and implement solutions to the environmental crisis".
Patagonia dedicates at least 1% of their sales to environmental groups across the globe, and attempts to reduce their carbon footprint wherever possible. They carry many fair-trade certified lines, including their swim line!
The clothing: Mostly active wear, great for the outdoor adventurer. These pieces will last a lifetime. Patagonia also carries jeans, dresses, and casual wear.
Noonday | $$
Women's jewelry & accessories.
The mission: Noonday is committed to social responsibility while selling artisan-made jewelry from across the globe. They are partnered with 28 artisan businesses in 12 different countries. They also offer employment opportunities to women in the U.S. who can become a Noonday ambassador and host Trunk Shows.
The jewelry: Unique and fun with a bit of tribal flare, Noonday's pieces are sure to make a statement.
*Noonday allows families to host a trunk show who are trying to raise money to adopt! They will donate 10% of sales at adoption trunk shows to help families bring their children home.
People Tree | $$$
Men and Women's clothes.
The mission: "People Tree aims to be 100% Fair Trade throughout our supply chain. People Tree purchases Fair Trade products from marginalised producer groups in the developing world. We guarantee the majority of all our purchasing is Fair Trade and is committed to the World Fair Trade Organization Fair Trade standards". http://www.peopletree.co.uk/about-us/mission
The clothing: Great for both basics and trendy pieces, People Tree is the most popular ethical and sustainable fashion e-tailer there is! They have both women's and men's clothing, jewelry, yoga wear, and nightwear!
*Emma Watson is a longtime fan of People Tree, and even launched a collaboration line with them back in 2011. I mean come on... who doesn't love Emma Watson?
I hope you've enjoyed browsing through my current favorites in the ethical fashion world! Have an ethical and sustainable fashion brand you love? Please share in the comments below!