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Recently Citigroup analysts raised their oil price forecasts projecting bullish oil prices for the rest of 2018, specifically citing possible disruptions in overall productions from Iran and Venezuela. Both countries continue to face longstanding operational and financial risks while suffering the brunt of sanctions from Washington and the European Union. There is also the stark possibility that additional targeted sanctions will be implemented by the White House over Venezuela's already frayed and declining oil output. At the same time, oil production in Iran is likely to suffer once again if the Trump administration decides to repeal the Nuclear Deal this coming May.
In this sense, both countries are (or have been) important oil players in global markets, but their respective outputs and exports have seemingly decreased, particularly in Venezuela. Hence, the prospects for both countries' recovery looks bleak operationally speaking; at least in the short term. Specifically in the case of Venezuela, continuing decline in production, critical status of its refining and en masse emigration of its skilled workers overseas all pose a challenge to the country's oil markets.
Aside from Iran and Venezuela, whose potential disruptions of oil supplies may be one source of risk, the real risk that can cause a significant increase in prices is Saudi Arabia. The Kingdom of Saudia Arabia is the main oil exporter and producer and the only one with the capacity to become the producer of last resort within the OPEC organization. At the same time, the country faces direct threats from the Houthi rebels in Yemen, who have already launched missile strikes over the Saudi capital of Riyadh and most recently at Saudi flagged oil tankers. In a defining social, political and geopolitical moment for the Al Sauds with Crown Prince Mohammed Bin Salman advancing multiple reformist programs such as Vision 2030 and NEOM, Saudia Arabia is still not immune to external security threats.
With an average monthly production over 7 million barrels per day, Saudi Arabia poses the real threat to the behavior of oil prices. Oil outputs, therefore, can effectively be interrupted in any hypothetical scenario of one or many simultaneous attacks against strategic Saudi oil facilities such as the Ghawar field or Ras Tanura port, either by Houthis or radical extremists from Al Qaeda. Moreover, with non-OPEC countries like the U.S. and Russia competing for a piece of the pie, OPEC members like Saudi Arabia are always looking to capitalize on their oil gains. The boom in U.S. shale oil production, which led to major exports to Asia, the Caribbean and Europe, is what has caused the long lasting glut, prompting the existing cap on production between OPEC and non-OPEC members. The OPEC agreement is what has driven prices to the levels seen today at $72 per barrel, supplemented by the geopolitical premiums of the instability in Syria and recent airstrikes there.
With OPEC aiming to slash oil production in many ways to counter the glut caused by U.S. shale oil production, the current oil prices tend to satisfy most OPEC members, except Venezuela and Iran. The reason for this dissatisfaction stems from the high break-even costs in these countries and the problems the oil sector faces in Venezuela. Oil prices through the rest of 2018 will continue to stay the course, but they have the propensity to be influenced by larger political risks in Saudi Arabia, Libya, Iraq, Yemen. Bahrain's discovery of 80 billion barrels in reserves offers some positive outlook, altogether making a perfect mix for spikes in oil prices. More importantly, the oil production from Russia or the United States or other non OPEC members such as Mexico and Brazil can potentially offset any further disruptions from OPEC member states in the coming months.
In a general sense, global oil markets and prices will always depend on fundamental economic factors, i.e. supply and demand coupled with political risks. At the end of the day, the major players in oil production will continue to vie for the perfect balance to reach oil prices that satisfy their criteria. Ultimately, oil companies, be they National Oil Companies or International Oil Companies, will also play a critical role in pushing and pulling the oil prices in either direction. Their tactics from time to time cause oil price spikes, more so in times of global economic distress. Most of this maneuvering affects oil producers OPEC member countries more directly. But the risks to oil production posed by Saudi Arabia's political positions cannot be overlooked, especially while OPEC, Russia and the United States all flex their muscles in the oil and gas industry with the ultimate goal of controlling and reaping the benefits of the market.
Jose L. Chalhoub Naffah is an oil and political risk analyst based in Venezuela. He has over 13 years of experience in the Venezuelan oil and gas industry and now works as a freelance consultant and advisor on oil and political risks for businesses and investors. Mr. Chalhoub is a political scientist and with a Masters in International Politics and Oil Trading. He is also proficient in Russian, English, French and Arabic, along with Spanish as his mother tongue.
Please note that opinions expressed in this article are solely those of our contributors, not of Political Insights, which takes no institutional positions.


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Kiva's opening to American entrepreneurs is not welcomed by all...
Apparently it's the worthiest endeavor to lend to those in dire poverty, and less so to lend to those who are only really poor. Or at least so says some of Kiva's most committed supporters who are disappointed by the microcredit p2p platform's move to allow US micro-entrepreneurs to compete for loans on the site.
As we profiled the day it was announced, Kiva began as a site to lend to the poor in Africa, but has been expanding to developing nations around the world, and earlier this week, announced that it would open to its first developed country: the United States. Americans have long dominated the lending side of the equation, and many Kiva supporters are worried that now that American borrowers can also list profiles on the site, that precious funds will be diverted from those who need it most.
What do you think? Kiva is advertising this poll to hear from their supporters: http://answers.polldaddy.com/poll/1720762/

subset: commoncrawl


text: Contact Principal Designer: Angie Hinchliffe - MDIA Dip.Vis Arts Dip. Colour Design Stylish Livable Spaces abn. 361 908 63 845 P.O Box 388 Glenbrook, NSW 2773 firstname.lastname@example.com phone: 0407 017 749 If you would like to find out more information on having me visit your home to help you create your dream space, please drop me a note. I look forward to hearing from you! Your Name (required) Your Email (required) Your Message


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I was recently listening to a Harvard Business Review Webinar where the panel was discussing leadership lessons learned from great family businesses. There were several fascinating thoughts that came out of this webinar, but one that stood out to me was the dramatic decline in the success of family businesses when leadership was passed down from the founders to the 2nd, 3rd, and 4th generation.
Many business owners have a hard time imagining the business they built being owned and/or managed by someone other than their own family. This isn't hard to understand, after all who else should own "your pride and joy" (business) other than, "your pride and joy" (children). Unfortunately, statistics don't tell us that this is a good idea. Actually the statistics tell us that passing your family business down to your children or children's children is usually a bad idea.
Egon Zehnder and the Family Business Network surveyed 89 executives of top companies in their respective industry and geographic market. The study was done in 2014 with the intention to discover what made these top family businesses successful while so many others seemed to fail.
The webinar quoted research conducted by the Family Business Institute to show the difficulty of family business succession plans.
Percentage of family business that last into the:
2nd Generation 30%
3rd Generation 12%
4th Generation+ 3%
An amazing 70% of businesses fail when they are passed down just one generation. 88% fail into the 3rd generation, and an overwhelming 97% fail when passed on to the 4th generation. With this knowledge it's important to be diligent when you are thinking through succession plans. What you are going to do with your business when it is time for your next season of life should not be an emotional decision, but one carefully calculated and strategically planned. After all, you don't want your business to drift off into oblivion, and you certainly don't want to see you children or grandchildren experience the financial and relational struggles, strains, and stresses that come along with a failing business.
In this Webinar Egon Zehnder and his team revealed several key elements they discovered from their research of successful family businesses. Here are the highlights, as well as questions I formulated for you to gauge your preparedness.
5 Elements of Successful Succession in Family Businesses
- Successful family succession plans understand the organization's unique family gravity. That is they understand the underlying family members with the force that is behind their success. Ask yourself…Who really makes this business a success? Be honest. False humility will only set the next generation up for failure.
- Successful family succession plans establish a strong and structured leadership succession process. In other words they don't just simply pass the baton to the next generation. Ask yourself…What specifically is planned to train the next generation of leadership?
- Successful family successions have a clearly defined corporate governance process. Decisions can't be made on a whim like they are at home within the family. Ask yourself…What checks and balances do we have that help us govern our business? "Go ask your mom," is not a good process, and that type of decision making won't help the next generation succeed.
- Successful family successions have a clear understanding of what is needed in the family business leader. If those traits aren't obvious in the next generation there must be a different succession plan developed. Ask yourself…Do you know specifically what your strengths are as the leader? And do my children have those same strengths? There are several good personality and strength finder assessments available online. For example the DISC Profile (https://www.discprofile.com/what-is-disc/overview) and Myers-Briggs type indicator (http://www.myersbriggs.org/my-mbti-personality-type/mbti-basics/) are two popular options.
- Successful family successions must carefully manage the integration process. There must be a specific transition plan, with clearly defined measurables that allow the new leaders performance to be evaluated in a step-by-step approach. In other words, you don't just throw them in the fire and hope they can figure out how to survive. Ask yourself…Can I create a transition plan that will help the new leader have success?
The full article from the Harvard Business Review can be found here.
It's clear that family businesses have many obstacles to overcome when determining whether or not the son or daughter should take over the family business. You owe it to yourself, your children, and your grandchildren to carefully consider the important factors that are key to the continued success of the business that you've worked so hard to build. The numbers don't lie. Over 70% of businesses fail after the 1st generation. If you have your doubts as to whether your children can do what you've been able to do with your business you need to think about what your other options might be. There are ways to insure that your years of hard work aren't wasted. Every child has different dreams, passions, and talents. Many times those are vastly different than their parents.
Often times the most responsible decision you can make for your family's long term financial health is to prepare your business for sale. For many people the sale of their business is one of the most difficult decisions they've ever made. Having someone help you through this process is important and should create a sense of comfort. Find a business brokerage firm that understands your local business climate and takes the time to understand you and your business. Take the time to carefully consider your family's business situation. Your family will thank you.


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Texas lawmakers are on the fast track to restrict policyholders' rights when their insurance companies fail to pay property insurance claims arising out of weather events, such as storms involving heavy winds and hail.
Now that the Texas Senate has approved House Bill 1774, Gov. Greg Abbott is almost sure to sign it. Unfortunately, this will unleash unexpected and unpleasant surprises for Texas businesses and other insurance policyholders.
Most significantly, this harmful piece of legislation is designed to cut back on penalties that are intended to deter bad-faith conduct by insurance companies. It also aims to empower policyholders to fight back when their claims are denied, delayed or handled in inappropriate ways.
The new legislation seeks to diminish these substantial penalties that previous Texas Legislatures created to deter such bad-faith conduct by insurance companies. Interest that can be awarded by Texas courts for certain property insurance claims would drop from 18 percent to 10 percent. This is a dramatic reduction in the damages that can be awarded against insurers — and the impact must be understood as encouraging abuse and delay by insurers.
WE SAY…: Read the latest opinions from the Statesman's editorial board.
The legislation would also restrict policyholders' rights to recover attorney's fees unless they complied with complicated notification and presuit demand requirements. Even if an insurance company attempts to lowball a payment for years — and an attorney is required to file suit to obtain a full payment — the insurance company may be relieved of responsibility for the policyholder's fees. Under the proposed law, this will depend on a comparison between the amount demanded and the amount awarded, or whether the policyholder complied with the notification and demand requirements.
This provision has potential to harm policyholders who do not recognize — and comply with — the new notice and demand requirements. Worse, it perversely discourages policyholders from pursuing claims that could be more difficult to prove at the outset of the dispute — or settling portions of claims during the period between a demand and a final resolution.
This so-called "tort reform" is far broader than its proponents have suggested in their public statements. For example, Abbott and others have advocated for the bill based on alleged abuse of "hailstorm" claims by attorneys primarily representing homeowners, stating that "hailstorm litigation is the newest form of lawsuit abuse."
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However, the new bill does not appear to be restricted to hailstorm claims asserted by homeowners. Indeed, the most recent text applies to a first-party claim filed by any policyholder for property damage caused in whole, or in part, by "forces of nature." This can include damages suffered by Texas businesses — not just by hailstorms, but also earthquakes, ground movement, wildfires, floods, tornados, lightning, hurricanes, wind, rain and snow.
Texas HB 1774 is woefully overinclusive in its reach and would impact insurance claims that have nothing to do with hail damage to residential properties. Worse, it is likely to harm individuals and Texas businesses that suffer property damage or business interruption losses with a wide variety of actual or potential causes. By removing several of the most reliable tools Texas policyholders have previously used to protect themselves from abusive behavior by insurers, this new law is a major setback.


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We are seeking for a Human Resources Manager to fill this opportunity of WSP Group's Corporate Head office annex. Reporting to the Director of Human Resources, the Human Resource Manager's primary focus will be to guide and manage the various human resource functions, which include recruitment, staffing, training and development, performance monitoring, and employee counseling. Must present a courteous, efficient and professional demeanor, even under stressful situations. The Manager, Human Resources, is an essential member of the human resources team that will provide support, guidance and assistance to operational strategies enhancing OCRs business performance and colleague experience. In this role, The Manager, Human Resources will need to quickly adapt to their surroundings through active listening and knowledge of human resources best practices. The Manager, Human Resources will assist in helping drive human resource goals, performance metrics and activities to align both business and financial objectives with best practices. We are technical experts and strategic advisors including engineers, technicians, scientists, architects, planners, managers, surveyors and environmental specialists, as well as other design, program and construction management professionals. WSP develops creative, comprehensive and sustainable engineering solutions for a future where society can thrive. With 36,000 talented people in more than 500 offices across 40 countries, we engineer lasting solutions within Property & Buildings, Industry, Transportation Infrastructure, Environment, Resources (including Mining and Oil & Gas), Water, Power & Energy sectors with delivery and strategic consulting services. At WSP, we continuously innovate and make extraordinary efforts to always attract, employ, develop, engage and retain the best professionals in our fields of expertise because this is what makes us great. We offer a professional working environment and culture and believe that work/life balance is critical to the success and happiness of our people. WSP offers competitive salary packages based on qualifications, skills, experience and the opportunity to be part of an "up and coming" player in the lucrative international construction / engineering market. We also attach residential Accommodations to our International employees and welcomes applications from people with disabilities. If you're Interested to work with us, kindly forward your recent CV and cover letter through WSP's career email or job apply button displayed below.
Essential duties + Responsibilities:
- Conducts recruitment effort for all exempt and nonexempt personnel, students and temporary employees;
- Conducts new-employee orientations;
- Monitors career-pathing program and writes, places advertisements.
- Consult with managers and supervisors on absenteeism, turnover and workforce data and take actions where necessary
- Serve as a link between management and employees by handling questions and helping resolve work-related problems
- Administers various human resource plans and procedures for all company personnel; assists in the development and implementation of personnel policies and procedures
- Participates in developing department goals, objectives and systems
- Perform difficult staffing duties, including dealing with understaffing, refereeing disputes, terminating employees, and administering disciplinary procedures
- Identify staff vacancies and recruit, interview, and select applicants
- Handles employee relations counseling, outplacement counseling and exit interviewing.
- Participates in administrative staff meetings and attends other meetings and seminars.
- Maintain human resource information system records and compile reports from the database. As well as updating job requirements and job descriptions for all positions
- Ensure legal compliance by monitoring and implementing federal and state requirements applicable to human resource, safety and payroll matters;
Major skills + Requirements:
- Bachelor's Degree in Business Administration with a Human Resources focus; or an equivalent combination of education and experience.
- Related Professional qualification in Human Resources/Management
- Applicants with +7yrs work experience on this field without formal qualification can be considered
- 3 – 5 years of relevant Human Resource experience.
- Excellent communication skill with strong written and verbal, are preferred
- Proven experience in applying well-developed problem solving skills (quantitative, conceptual, analytical)
- Proven experience with implementing human resource programs through talent acquisition, recruiting, benefits, and law compliance
- Proficiency in Microsoft Office (Word, Excel, PowerPoint, Outlook)
- Strong team player with positive, optimistic solutions-oriented approach.
- Ability to work across organizational boundaries and influence without authority.
- Excellent interpersonal and communications skills
- High attention to detail, accuracy, time management, and organization
- A Graduate level salary and compensation offer


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9 Carat gold, including chain and earring hooks. Gold earring, Dilly Bag
Loretta George
Birth Date 1967
Language Rittharrngu
Skin Bilinydjan
'My name is Loretta George, I was raised in Ngukurr, Roper River and now live at Beswick Community with my family.I started doing art work when seeing my mum Angelina George doing her painting of bush flowers and landscapes. Also I watchedmy Aunty Nora Bindula (Wamutjan) do carvings from wood of birds and crocodiles.I also like weaving and was taught by Noreena Ashley and Vera Cameron. I like to weave mats and string bags and also paint bushflowers.'
Djilpin Arts is a not-for-profit organisation established for the benefit of the Beswick community. It was established in 2002 to maintain, develop and promote local traditional and contemporary Aboriginal visual and performing arts. Working in country with kin and culture across generations, our activities are rich in spirit, bringing healing to the community and linking traditional culture with modern enterprise.


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First Look: Ultimate Family Suite On Board Symphony of the Seas
From an in-suite slide to a whirlpool on the balcony, the Ultimate Family Suite has it all.
Outdoor Amenities
The outside of the suite wows just as much as the inside, with a 212-square-foot balcony for superior ocean views.
But like the interior, there's plenty to entertain everyone: The balcony boasts a table tennis court, and a three-dimensional vertical maze for kids called the Luckey Climber.


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Retailers have relied on static mall maps for decades to convey store location, including the familiar "you are here" mall maps. Today, shopping centers are overhauling mall signage in favor of interactive digital signs that do a lot more than display location.
The newest iterations of mall maps look more like a video game than a traditional map, and are intended to function more as a digital concierge—providing far more than just directions. These touch displays allow users to zoom in and out while providing step-by-step directions and estimates of walk times to any given shop. They also feature multi-lingual interfaces and options to find handicap-accessible routes throughout the mall. And they often highlight sales promotions, movie times, and special events. Shoppers can further engage with the kiosks by downloading a companion mobile app to their smartphones, allowing them to add coupons, RSVP to events, sign up for updates, and share photos.
And while these features are all helpful to shoppers, these kiosks offer new ways for retailers to engage consumers and promote purchasing. Given the digital platform, retailers can change information quickly and easily as needed.
These new mapping models are not limited to kiosks in malls. Retailers can also offer apps or websites that enable shoppers to plan their mall trips, helping with everything from driving directions to the mall to real-time data on open parking spaces, as well as directions upon arrival to locate specific stores.
This technology is proving invaluable to retailers that also use GPS and radio-frequency identification (RFID) to track which stores are generating the most traffic, and how factors such as time of day and construction affect foot traffic. The technology is proving useful to track internal store operations like inventory or to prevent return fraud. And when shoppers are elsewhere, such as in the mall or even en route, the technology allows retailers to collect additional data about consumer habits—all while improving the consumer experience.
These new navigation kiosks and apps have many of the same issues as other innovative retail technologies. Retailers and consumers alike should be cautious and understand the privacy concerns associated with technologies that track shopper movements, especially outside of the store. As we've detailed in prior blog posts, retailers have options to protect their customers' privacy by de-personalizing or "hashing" data immediately upon collecting it.
Digital signage helps bridge the gap between brick-and-mortar and e-commerce experiences. While many customers enjoy the convenience of shopping online, brick-and-mortar stores are continually improving the in-store experience with technology advances, and digital signage is one more way retailers can do so.


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Las Vegas Southwest, NV
Las Vegas Southwest, NV | Change Location
1 Parents Love It!
410 S. Rampart Blvd
Las Vegas, NV 89145
HOURS: Nov.18-Dec.31st , 10a-6:30p
EMAIL(email@example.com) | WEBSITE | FACEBOOK
Start a new family tradition at Operation North Pole this year!! This 65 min. interactive experience begins in the Candy Cottage then off to build toys alongside the Elves, cookies & cocoa in the kitchen with Mrs. Claus and special one on one family time with Santa. Every child receives a free plush bear & a digital photo with Santa! Groups are kept small and there is a call time for your tour so no long waits. Tickets are limited, so book today!!


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Life with Graft vs. Host Disease (GVHD) Post Allogeneic Stem Cell or Bone Marrow Transplantation: New Treatment Approaches
MP3•Episode home•Public Feed
Manage episode 223621901 series 1485223
ByDiscovered by Player FM and our community — copyright is owned by the publisher, not Player FM, and audio streamed directly from their servers.
* What is Graft vs. Host Disease (GVHD) Post Allogeneic Stem Cell or Bone Marrow Transplantation * Understanding How GVHD Develops, including Finding GVHD Early * Common Signs and Symptoms of GVHD * Types of GVHD: Chronic and Acute * Current Standard of Care for Managing GVHD * New and Promising Treatment Approaches for GVHD * Clinical Trials: How Research Increases Treatment Options * Key Questions to Ask Your Health Care Team about GVHD * Questions for Our Panel of Experts
210 episodes available. A new episode about every 27 days averaging 63 mins duration .


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Prepare for a rude awakening; Dead Space 3 Awakened DLC is now available
Just when you thought you were done with all the horror, IT PULLS YOU BACK IN. Visceral Games announced today that the digital expansion for Dead Space 3, called Dead Space 3 Awakened, is now available in single and co-op flavors for the 360, PS3, and PC. In it, continuously tormented protagonist Isaac Clarke and new partner John Carver must complete some very basic, simple tasks: get off of the planet Tau Volantis, repair their ship, the Terra Nova, and get back to Earth, all while Isaac suffers from terrifying hallucinations.
Steve Papoutsis, Vice President and General Manager of Visceral Games and Executive Producer on Dead Space 3, had this to say on the expansion (presumably giggling with glee about how to further torment poor Isaac): "Dead Space 3 Awakened is some of the most creative and unsettling content the team has ever created — it's really going to test gamers' psyche. We've put Isaac and now Carver through a lot in the franchise, but these seasoned vets are experts when it comes to taking down the terror. We can't wait to see who is brave enough to venture further into the horrors that lie within Awakened."
Dead Space 3 Awakened picks up right where Dead Space 3 left off (SPOILERS): Isaac and John have been left for dead on Tau Volantis and must escape and head back home. The only problem is that the Necromorphs aren't done trying to kill them, and the cherry on top of this "We Are Fucked" pastry is Isaac's madness is setting in: he starts seeing the Unitologists and other hallucinations (which is very conducive to a healthy partnership with John), and the two men realize they can no longer trust each other, but also need each other to survive (CONUNDRUM).
Dead Space 3 Awakened is available THIS VERY SECOND on the PSN in North America and worldwide on Origin.com for $10, and on the LIVE Marketplace for 800 Microsoft Points. The pack will be purchasable for PSN users in Europe tomorrow. More info on Dead Space 3 can be found on the game's Twitter, Facebook page, and website. Check out the pants-shitting trailer below.
The revenues from the ads below all go directly to this author.


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Why Home Depot And Lowe's Are Leaders In Home Improvement Retail
A company which started out in 1946, the Lowe's Home Improvement Company was first a hardware store in a humble municipality and is now included in the Fortune 500 companies within the United States. If that isn't good enough, the big box home improvement stores also conduct routine seminars to educate you regarding specific products. You can select the decorative area rugs from a wide number of area rug discount choices that are available online as well as offline. A number of software packages are available to produce a 3D home design and show us the results before we ever spend a penny on materials. My husband once got a little too cocky in his home improvement expertise and decided to change out my sister's chandalier without turning it off. They have two coupons first is the Lowe's 10{c710a8be5ec5f094f9ea1aa0e48afca5f72904dd0222e63a61a44f47cdd3ad7b} off Coupon which gives American clients 10{c710a8be5ec5f094f9ea1aa0e48afca5f72904dd0222e63a61a44f47cdd3ad7b} off purchases up to $10,000 vitality each coupon code for Lowe's can save you up to $1,000 each.
Careers that you can apply for are related with real estate, business development, contact centers, corporate accounting, business solutions, installed sales, external reporting, engineering, strategic planning, engagement managers, store operations, and many others.
Diverse people know the estimation of these coupons including Diy'ers, producers, makers, sub-foremen, handymen, and distinctive home credit holders who routinely shop at Lowe's yet any person who strategies to shop at Lowe's Home Improvement Warehouse can extra by using these pivotal money saving lowes 10 off coupons for Lowe's.
Every home improvement project we do teaches us a little something more about home improvement and it undoubtedly leads to another project. Lowe's Home Improvement has a few things they need to improve on to increase productivity, improve quality and cut down on costs. Lowe's Home Improvement one of America's #1 one building and foreman supply chains offers a remarkable progression to help customers save when making purchases. Buy Lowes Coupons offers unprecedented venture subsidizes and refunds on formally low-esteem Lowe's Home Improvement headways using a lowe's promo code. Well known for their high quality merchandise and lowest prices in town, Menards has a well stocked store to meet all your home repair or improvement needs.
Despite dominating the home improvement landscape, the two companies face competition from several big-box retailers like Walmart ( WMT ), Costco ( COST ), Target ( TGT ), and Best Buy ( BBY ), smaller regional players like Menard's, hardware stores like Ace Hardware, and building materials suppliers and wholesalers.


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By Muhammad Luqman
Pakistan has once again been adjudged as happiest nation in the region, leaving behind India and other countries of South Asia on the list of the world's happiest countries, according to World Happiness Index 2018.
Pakistan moving 5 points up from 2017 on the happiness scale, ranked 75 on the index, coming in ahead of India (133), Bhutan (97), Bangladesh (115), and Sri Lanka (116). While China stood at 86th spot.
Finland is the world's happiest country, according to an annual survey that found Americans were getting less happy even as their country became richer.
The United States came in at 18th, down from 14th place last year. Britain was 19th and the United Arab Emirates 20th.
Pakistan was ranked at 75 in the UN Sustainable Development Solutions Network's (SDSN) 2018 World Happiness Report which ranked 156 countries according to things such as GDP per capita, social support, healthy life expectancy, social freedom, generosity and absence of corruption.
While, India slipped 11 places as it was placed 122nd last year. It was behind the majority of South Asian Association for Regional Cooperation (Saarc) nations, apart from war-ravaged Afghanistan, that stood at 145.
Jumping 5 spots from 2017, Pakistan is even happier this year. With a rank of 80, it had fared much better than India (122) and Bangladesh (110) last year as well.
Those countries are considered happy that have a healthy balance of prosperity, as conventionally measured, and social capital, meaning a high degree of trust in a society, low inequality, and confidence in government.
The aim of the report is to provide another tool for governments, business, and civil society to help their countries find a better way to wellbeing.


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Hang Any Mirror You Want: Have a House of Mirrors if That's What You're Into
We all have a thing. For some people, it's hiking, for others, it's late night banana splits, and for you, maybe it's mirrors. Whether it's one distinctive mirror from an auction, or a collection of mirrors from dumpster dives and thrift shops, they're important to you. If you love your mirrors, learn how to hang a mirror right.
Mirrors are tricky animals because they don't have anyuniversal method for hanging—some have backing with wire, some have sawtooth hangers, and some have single or double keyholes, depending on the size, weight, and general randomness of the universe. So because of the lovely unknown that guides us whirling through the galaxy, if you're a mirror aficionado, you'll probably want to learn how to hang any mirror you find. With this knowledge comes the freedom to purchase or plunder for any mirror you want—never settle again for the one that's the easiest to hang—using the YOUHANGIT system, you can hang a mirror with double keyholes, sawtooth hangers, or a simple wire hanger.
Probably the thing you'll love best regardless of the hardware you're working with will be the YHI YOULEVEL tool. This level will blow your mind—yes, just like that ponytail guy on late night TV swishing back and forth on that elliptical machine—prepare to have your mind blown. Check it:
The ultra thin top allows you to slide the YOULEVEL between the frame and the mirror so you won't have to use your hands to level anything. It's leveling for you while you use your hands to execute the YOUHANGIT mantra, "Peel, Stick, Level, Squish." Compare that to the conventional level you may have used before that slides all over the top of whatever you're hanging, falls down, or you wind up "MacGyvering" to the top of your mirror or artwork (lots of fun removing tape from that awesome, delicate vintage frame too.)
So once you have your level in place, you can get to the business of the next point: wire, sawtooth, or keyholes?
The most common for mirrors is the double keyhole—these keyholes are spaced apart on the right and left sides of the mirror, making them the most arduous and difficult hanging method of all time.
So once you have your level in place, you can get to the business of the next point: wire, sawtooth, or keyholes?
The most common for mirrors is the double keyhole—these keyholes are spaced apart on the right and left sides of the mirror, making them the most arduous and difficult hanging method of all time.
Regardless of the number of keyholes, if your mirror has them, YHI's Decor & More Kit has what you need to get it level and hung using hardware supplied by the manufacturer. Alternatively, if you have a mirror with a wire hanger or a single or double sawtooth hanger, the same rules apply:
® Find the place/hardware on the back of the mirror that will require the screw or nail hole
® Apply the YOUHANGIT (pssst, the white plastic springy thingy) centrally over said hardware location
® Find the spot on the wall, keep your eyeballs on the YOULEVEL, when you see what you like in the blue liquid, squish that sucker into the wall
® Pull the mirror away and remove the YOUHANGIT
® Screw in your drywall anchor, and make that keyhole happy
You can repeat this cycle until your home looks like a funhouse, or, you know, just the once. But there's more! Most people think a hook is a hook, but YHI took mirror and picture hanging technology to a whole new level with our Sexy Metal Hooks—designed to handle anything—so you can hang really, really heavy mirrors, even without a stud (the upright wall support or a guy, either type of stud can be avoided.)


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Woodward (WHS) Class of 1956 Alumni List
Help us Update the Woodward 1956 Class List by adding any names missing from the list below:
Registered Alumni
1956 Class List
- Bill Bretz
- Gerald Burdick
- Fred Cieslewski
- Beverly Clay
- Willard Compton
- Barbara Mininger Faneuff
- Dorothy Golembiewski
- Ernie Hazard
- Nancy Hornstein
- Rosalie Huggins
- Joan Minkowski
- Paul R Ogle
- Eleanor Slates
- Thomas Valentine
- Susan Vandere Ploeg
Know Woodward Class of 1956 graduates that are NOT on this List? Help us Update the 1956 Class List by adding missing names.
1956 Woodward High School Yearbook
1956 Woodward High School Yearbook
Click here to view at Classmates.com®
The top movie in theaters during 1956 was The Ten Commandments, grossing over $80,000,000 in its lifetime. The most popular television series for 1956 was The $64,000 Question
Reunions and Woodward High School News
More 1956 alumni from Woodward HS Toledo, OH have posted profiles on Classmates.com®. Click here to register for free at Classmates.com® and view other 1956 alumni.
If you are trying to find people that graduated in '56 at Woodward High in Toledo, OH, check the alumni list below that shows the class of 1956.
While you are reminiscing about the times you spent in high school at Woodward High School, you should also check out alumni photos, yearbook listings and share any reunion info if possible.


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Apple and Ginger Cake - - 8 inch round cake
- 340g gluten free self raising flour
- 1 teaspoon bicarbonate of soda
- pinch salt
- 2 teaspoons ground ginger
- 2 teaspoons mixed spice
- 225g dark brown sugar
- 100g coconut oil, melted or dairy free margarine, melted
- 1 tablespoon white vinegar
- 220 – 240ml soya milk or your choice of dairy free milk
- 2 eating apples, peeled, cored and chopped into small chunks
- golden syrup
Need some advice on ingredients see -
The wheat, gluten and lactose free store cupboard
Line an 8 inch cake tin with baking parchment. Preheat oven to 180°c / gas mark 4.
Mix all of the dry ingredients together in a large bowl.
Measure together the wet ingredients then stir into the dry ingredients. It should be the consistency of a smooth thick batter.
Stir in the chopped apples.
Pour into the cake tin and bake for about 30 minutes until a knife inserted into the centre comes out clean. Leave to cool for 15 minutes in the tin before turning out onto a plate then onto a cooling wire so it cools the right way up ( The sponge could break in half if you leave it to cool upside down).
Warm a little golden syrup and pour over the cake.


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by Liz, one of my oldest friends (oldest time-wise, not age-wise!)
1. They call Washington the "Hollywood of the Intellectuals." I've been a political wonk for a long time, so it feels awesome to be surrounded by people who feel as passionate as you do.
2. Biking in a bike-friendly city. I explored most of the city on two wheels. There's no adrenaline rush like biking down Pennsylvania Avenue, where the bike lane serves as the traffic median.
3. The history. Oh goodness, the history! How much power this city holds over the rest of the world is astounding. The Greek, Roman, and English-inspired architecture (not to mention the French traffic circles) makes DC the closest you'll get to Europe.
4. Farmers markets on weekends. There are more 6 or 7 farmer's markets available around the city, and Eastern Market is open all year round.
5. It's intimidating to walk around the city, where 90% of the people around you are in business or business casual. Everyone here looks good.
6. DC is obsessed with Sunday Brunch, and they are damned good at it.
I'm really excited to share Liz's list this week because
1. We have been friends since middle school.
2. She is a wonderful person.
3. Washington, D.C. is beautiful through her eyes.
Over the past few weeks, DC has really been on my mind. Four of my friends (including Liz) have been there within the past few months, and I really wanted to be in DC a few weeks ago during the Rally to Restore Sanity. Liz's list just makes me wish I could plan a trip there sooner. Biking everywhere... everyone well dressed... BRUNCH?!?! Need I say more? I've also heard that they have beautiful cherry blossoms in the spring. What a gorgeous city. Thanks so much for sharing, Liz!
If you have a list of things you love about your city, feel free to send it in with some photos (including one of your feet!) firstname.lastname@example.com
PS- How cute is it that Liz's daily route forms a boot?


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We are a christian family striving to honor God in all we do. My husband and I truly believe that children are a blessing and are completely pro-life. We have three children so far Emma (4 years old), Landon (2 years old), and Savannah (born September 29). My husband Matt and I (Amanda) have been married for 6 years. We have put all our trust on Jesus Christ alone, and are striving to train our children up in the admonition of the Lord.
Wednesday, March 21, 2012
family illness
So it has been a very long two weeks because my children had overlapping colds. This virus has been going around heavily in our church as small as it is. My friends and I have been in and out of the doctor office and ER and I believe my children are all finally over the hump of it and seem to just have mild symptoms. My son was on three different antibiotics of which I am not all that happy with but he suffered a high fever for a week and a half with a double ear infection. Emma soon was on the same antibiotic and three days later our little baby Savannah had it as well. Savannah was the only one I took to the ER because in the middle of the night her cough had become much worse and with her only being an infant my husband and I thought it would be best to take her in and have her checked out. We are all finally better after many restless nights. We have beautiful spring weather this week and have been just enjoying having the windows open and playing outside. I am off to bake a homemade pineapple upside down cake for the open house at my husband's office. I will post a recipe with picture for anyone who wants it.
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By Arlene Goldbard, Chief Policy Wonk
In November 2016—at CULTURE/SHIFT 2016 in St. Louis, just a few days after the presidential election—we launched "Standing for Cultural Democracy: The USDAC's Policy and Action Platform," ten points of intervention to help bring about cultural democracy, to nurture a social order of equity, justice, creativity, and belonging.
Policy proposals like these are just ideas until people start putting them into action. This blogpost is the first in our "Prototyping Cultural Democracy" series, documenting seven projects that received small grants through USDAC Lab to implement aspects of the Platform at the local level:
conNECKted Imaginings for Truth & Reconciliation, Charleston, SC
BeCville, Charlottesville, VA
Belonging Bandwagon, Crestone, CO
STICK + MOVE, Richmond, VA
Migrant Stories: Participatory Theatre with Migrant Workers, Eastern Shore, VA
Remember2019, Phillips County, AR
Art Powered Places, Philadelphia, PA
We'll be profiling each of these policy prototype projects, sharing documentation and interviews with the people executing them—so stay tuned! The first profile, focusing on the coNECKted project in Charleston, SC, was published today.
How did the USDAC's policy prototypes evolve? It all started with our policy and action platform.
Standing for Cultural Democracy had been in preparation for many months before its November 2016 launch, with strategic questions multiplying in the run-up to the election. We doubted there was an immediate likelihood that any new administration, regardless of party, would support the kind of public service jobs program we called for in point one. After all, despite economic challenges and often-high unemployment levels, no Congress had seriously entertained a "new WPA" (to borrow a term from the 1930s New Deal that employed many artists through the five projects jointly known as "Federal One.") In short, some ideas were planted as seeds that would need long-term cultivation.
Others were immediately feasible depending on political will and public demand. The Policy on Belonging, Platform point five, calls for public and private entities to adopt a formal Policy on Belonging and four other initiatives to deploy artists in public space, making belonging real. The Cultural Impact Study, Platform point eight, calls for universal adoption of a requirement that the impact of public interventions and policies on social fabric and cultural citizenship be studied and harmful impacts addressed, analogous to an environmental impact study. We knew these could be adopted at local, regional, or national levels, but we also knew that the results of the 2016 election would have to inform strategy. How?
My keynote speech for the plenary session launching the platform acknowledged the gravity of the moment. In retrospect, when you consider that we had no idea precisely what was to come, it takes on more intensity.
"The challenges we face under President Trump—racism, homophobia, xenophobia, sexism, institutionalized greed, state-sanctioned violence, and every other form of predatory behavior—are not new. But the level of response is already astounding. We will be working in countless local communities to build on the courageous action already seen from mayors of sanctuary cities, leaders who have declared their refusal to normalize hate, vast numbers of individuals and groups who have already—less than two weeks after the election—taken action in the courts, on the streets, and in their own lives and communities.
"Protecting and defending are urgent, essential priorities. The USDAC stands with all who are endangered by policies that deny belonging and further threaten the people. We stand to support and assist all those who are affected by the repression of rights. We will work with you to co-create a network of connection and support, to share skills in planning and executing creative resistance, and to bring as much attention as possible to your courageous work in kindling a shared vision of cultural democracy and putting it into practice.
"And while this massive outpouring of creative resistance unfolds, we can't surrender our dreams because we awoke on 11/9 to this funhouse nightmare of democracy."
Whatever the future might hold, we knew in November 2016 that Citizen Artists were committed to cultural organizing at the local level, work that would continue regardless of who occupied the White House. To catalyze and document some of this work, we put out a call offering micro-grants for participatory, replicable "pilot experiments that show how the Platform can be put into action." Just $500 per project was available to support effective documentation and help in some small way with the work. This blog series shares the completed projects with you.
We hope they inspire you to find ways to implement Platform points in your own community. Right now—with the Supreme Court upholding the Muslim ban, basic cultural rights being eroded every day at the border, and an epidemic of phone calls to the police denouncing law-abiding African Americans for even showing up in public space—the Policy on Belonging (which has its own free, downloadable toolkit accessible here) seems especially germane and necessary. You can start with your own community. Consider asking your local house of worship, school board, neighborhood association, city council, or other group to adopt the Policy on Belonging, to commit to vetting their own actions for their impact on true cultural citizenship.
Whatever you're inspired to do, whichever platform points are related, please feel free to call on us for help at email@example.com.


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Dark Horse College Basketball Teams That Could Make a Final Four Run
As we've come to another season of college basketball it seems that this year is one of the deepest fields we have ever seen. Although Duke is currently a cut above, there is no shortage of challengers. Below I give my dark horse teams that could shock the world come March.
Oregon Ducks
Oregon made a huge splash by one of the most coveted recruits in the 2018 cycle in Bol Bol. Bol stands at towering 7'3 but has the agility and shooting capability of guard. Bol can stretch the floor and let rip from deep as well as the knack to take it to the cup. Bol combined with Paul White is an absolutely devastating front court with elite defense capabilities. Junior guard Payton Pritchard has been phenomenal so far averaging 16 points per game to go with nearly 6 assists per game. This Oregon team is strong both in the front court and the back court which can cause issues for any opposing team. If Bol Bol continues to live up to his billing and Pritchard continues to orchestrate this offense at a high level Oregon could be scary down the stretch.
Tennessee Volunteers
While they have an incredibly high ranking the Volunteers are quietly one of the best teams in college basketball. Tennessee retains a core of last years unit which gives them an advantage over many of the younger teams across the country. The Volunteers were a defensive juggernaut last year and have seemed to improve on the offensive end through three games so far. Grant Williams is playing big boy basketball right now averaging nearly a double double, and shooting a whopping 64% from the field including 57% from beyond the arc. With a December 9th date with #3 Gonzaga looming the Volunteers have the opportunity to solidify themselves as one of the nation's elite.
Michigan Wolverines
It looks like the "Revenge Tour" has rubbed off on the basketball squad. Originally I did not have the Wolverines on this list, but after watching their drubbing of defending champ Villanova Michigan is deserving of some love. Since 2013 John Beilein has had this team on an upward trajectory toward nearly blue blood status. While their offense is still a tad suspect, the Wolverines once again posses one of the best defenses in the country. Highly touted freshman Ignas Brazdeikis is already making a name for himself as he and Charles Matthews lead the team in scoring. Defensively the Wolverines are suffocating with Zavier Simpson and Isaiah Livers locking down the perimeter, and Jon Teske being a phenomenal paint presence averaging 3 blocks per game. As the season wears on we will learn more about this Wolverines team, but right now they look like one of the better teams in the country.
Syracuse Orange
Despite a loss to UConn Syracuse still traditionally is one of the hardest teams to beat due to their vaunted 2-3 zone defense. Cracking a defense like this takes superior ball movement and elite shooting which are skills not many teams posses. On the offensive side of the ball Tyus Battle is one of the most interesting players in the nation. Averaging nearly 16 points per game Battle is not afraid to take it to the rack. While his 3 point shooting is suspect at best I expect Battle to have a monster year and shoot up the draft boards. To go with Battle is forward Oshae Brissett. Brissett is averaging a double double and has been a nightmare on the boards snatching almost 11 rebounds per game. If Cuse can shake a rocky start the sky is the limit for this team.
Kansas State Wildcats
K-State returns 3 key players off of a very talented Elite 8 squad. Barry Brown Jr, Xavier Sneed, and Dean Wade are all back and ready for a shot at a Big 12 Crown. Brown is already averging 20 points per game, and Wade and Sneed are chipping 14 and 12 respectively. K-State isn't exactly a National Title threat due to their glaring lack of depth, but with this big 3 they are more than capable of putting together a run. The Wildcats will be a team that nobody will want to face in March…


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The Kettler Panalsol® Frame offers a perfect way to relax undercover with an outdoor meal and a glass of wine. The frame is made of tough steel. Added detail at the top of the legs gives the Panalsol® frame added style.
The roof of the frame is designed to let the canopy slide through it so you can pull either side down as the sun moves. Velcro straps on the canopy attach to the legs of the frame to keep the canopy in place. Fixing plates allow you to fix down the frame for added security.


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Good morning! The preparation is a big part of your wedding photos, and alot of bride and groom overlook the importance of choosing a good location for their preparation. They chose a beautiful hall, a beautiful spot for their wedding photos, but they didn't think about the importance of choosing a spot for their preparation that would 'match' the rest of their wedding. For example, in the italian culture, it is important for the bride to get ready in her parents house, and get pictures of her leaving the house and 'cutting the ribbon'. Therefore I totally understand even if the house does not 'fit' the colour theme, ect, because it has a sentimental value. But if you do have the chance, why not find a house or hotel that would emphasis all the beautiful details of your wedding? The bride, Julie, and I certainly thought of that when we decided to do her photos in her magnificent house ( ok well she is more than lucky to have a house this beautiful! and bonus all her colours matches her wedding!!)
The importance of choosing the right spot for bridal preparation
in Mariages


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Federal judge: Trump voting commission data request [to Purge the Non-White Votary] is allowed/
From [HERE] A federal district judge on Monday allowed [opinion, PDF] President Donald Trump's election commission to move forward by dismissing the need for a prior privacy impact assessment before collecting voter data. US District Court Judge Colleen Kollar-Kotelly [official profile] denied a temporary restraining order and preliminary injunction requested [JURIST report] by Electronic Privacy Information Center (EPIC) against the Presidential Advisory Commission on Election Integrity (PACEI). Kollar-Kotelly determined that only agencies must go through a privacy impact assessment required by E-Government Act, § 208(b) [DOJ background]. "The record presently before the Court is insufficient to demonstrate that the Commission is an 'agency' for purposes of the APA. First, the Executive Order indicates that the Commission is purely advisory in nature, and that it shall disband shortly after it delivers a report to the President."
Trump established PACEI in May via executive order [text] . Earlier this month PACEI Vice Chair and Kansas Secretary of State Kris Kobach sent out a letter [text, PDF] requesting voter information from all 50 states. A majority of the states rejected that request. Like EPIC, the ACLU also filed suit [JURIST report] earlier this month.


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I was at a networking event when a man asked me, "Whose wife are you?" 😱
This may come as a surprise, but I never considered myself a feminist until recently. I thought feminists were man-hating women who didn't shave their armpits. I was influenced by the idea of "femininazis" (originally coined by Rush Limbaugh in the '90's), and actively distanced myself from these women. Gloria Steinem was no hero of mine.
Things changed in 2016.
I was at Cannes Lions, the advertising festival in the South of France. It is a one-week booze fest, where execs schmooze on yachts, drinking rose and champagne. I had unfettered access to the top dogs at major companies, and I was on a mission to find clients. I was thrilled to be there.
At the festival, men greatly outnumber women since, after all, they tend to be the top dogs. So it was no surprise that at the first party I went to, it was a sea of men. I struck up a conversation with one of them, an older gentlemen. A few minutes into small talk, he asked: "Whose wife are you?" I was stunned.
That first night at Cannes set the tone for the week which was exhausting, disappointing, and gross. I'd be pitching my business when someone would interject, "You're hot." At one point, Marilyn Manson strode up to our group and declared, "There are so many women here I want to fuck." All the men in the group laughed.
It reminded me of all the times men would say sexist - and racist - things and we would nervously giggle. I'm ashamed that I never had the guts to speak up.
After I came home from Cannes, I got depressed. To channel my feelings, I wrote an essay about my experience and how to process it. I sent it to a friend who urged me to publish it.
Though I knew that my essay could help other women, I was scared. I was scared that I would be labeled a feminazi (thanks, Rush!) and that I might lose jobs because of it. I didn't want to make men uncomfortable.
I decided not to publish it; instead, I gave permission to my friend to forward it to her network. And that's when the magic started. I began receiving email after email of women's stories, similar to mine. For many of us, we'd experienced uncomfortable gender dynamics at work (for years), but only recently were starting to realize it. The question of course became, what now?
I began researching women in business and came across statistic after statistic that opened my eyes to the reality of women in the workplace. It was so much worse than I thought. I was raised to believe that my success would be limited only by how big I dreamed. The fight for equality was over.
You can imagine by shock to discover that despite being the majority of today's college graduates, less than 22% of women make it past middle management. Only 4% make it to executive leadership.
I thought the wage gap was 78 cents to the dollar, but for Black and Hispanic women it was not. They were making 63-55 cents, respectively.
I realized that I'd had a complete and utter misunderstanding of feminism. That I'd let men influence my support (or lack thereof), of other women. I finally could admit it: I was a feminist and I was ready to shout it from the rooftops.
I didn't started Ladies Get Paid because I wanted to. I started it because I had to.
Now go get paid.


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Practical Mud and Manure Management Practices
The Humane Society of Utah receives numerous complaints each year, primarily in the winter, spring, and during periods of high precipitation, concerning horses and other livestock housed in corrals and paddocks filled with water, mud, and manure. While many owners may feel that this is unavoidable, it doesn't have to be. Steps can be taken to reduce or eliminate mud and manure accumulations on livestock property.
The June 2005 issue of the Bay Journal noted that "In the 1700s and 1800s, farmers sometimes couldn't figure out what to do with all the manure coming out of their animals. The waste would build up in barns until farmers would invite neighbors — usually with the inducement of plentiful alcohol — to a "dung frolic" to help clear the mess.
Others resorted to more drastic means. In 1825, one Pennsylvanian reported that "the dung has accumulated around some barns in such great quantities as to render access to them so difficult that they have been burned and new ones built."
Living in mud and manure is unhealthy for horses and livestock and can lead to soil compaction, erosion and manure runoff. Mud can harbor bacteria and fungal organisms that cause health and hoof problems. Wet conditions can soften the hoof and sole, causing cracking and splitting, making horses more susceptible to stone bruising and other lameness. Thrush is a fungal infection that affects the frog of the hoof and also is caused by wet, muddy conditions. It can cause abscesses, rain scald, and other diseases. Animals fed near mud and manure suffer from increased internal parasitism infestations. Such conditions can also contaminate drinking water, harm wildlife, and reduce property values.
Wet animals can also suffer from low body temperatures, especially when exposed to wind; which, in turn, causes unthriftiness and even hypothermia. Animals in such conditions burn significantly more calories, just keeping warm, and require more feed. Slick footing can result in injuries.
Insects, that breed in mud and manure, are annoying and carry disease and their bites cause allergic reactions. Flies lay eggs in the top few inches of moist manure. Removal of this material from stables and paddocks on at least a weekly basis breaks the fly-breeding cycle. Keep stables as dry as possible and limit mud in paddocks and exercise areas. Remove manure and bedding at least every three days to help prevent parasite and worm infestations.
Exercise areas, paddocks or corrals should provide a minimum of 200 (300-400 is recommended) square feet of room per adult horse. Several long, narrow runs are best. The minimum width should be about 14 feet. Locate these areas on fairly level, relatively stone-free, welldrained soils.
It is estimated that a 1,000 pound horse can produce 8-10 tons of manure, at a rate of as much as 2 cubic feet per day, including bedding. The ideal would be to remove this manure every one to three days to prevent the buildup of a soupy surface layer, however, it's usually impractical. Removal of this by-product helps control odors, flies, run-off, and rodents attracted to the refuse, scattered hay, and wasted grain.
If you are experiencing excessive manure, mud and run-off, consider reducing the number of animals you maintain on the property. General guidelines recommend 1-2 acres for grazing use for a 1,000-1,200 pound horse or mare and foal to cycle nutrients from manure and urine and to provide adequate space for meeting the social and exercise needs of horses.
The first steps include making sure that you have gutters and rain spouts which direct water away from your animal-holding areas to stop it from mixing with manure and dirt. Grade the surrounding area to keep surface water from running over or through the manure and into streams, irrigation, other surface water, and adjoining property. Grass filter strips around the edges of an exercise area will reduce any pollutants that might leave the site.
The next step is to provide some type of proper footing in paddocks, corrals, and other highuse areas near mangers, watering troughs, and gates. Areas around barn or stable entrances, paths, gates and other places where animals congregate can become overly muddy. Up to 18" of wood chips provides effective footing for most horse and livestock owners.
Animals on wet soils create mud, over-grazing, and trample forage. Proper footing, a minimum of 3" deep, allows the animals to get up out of the dirt and allow rainwater to drain through. Footing material may include: chipped or shredded wood products (also reduces urine odor), gravel (no larger than 3/4"), or coarse sand. Avoid feeding horses on sand as ingesting sand or dirt particles with hay can result in "sand colic", a serious and potentially life-threatening digestive disorder. Less mud also reduces nutrients and sediments from running off and polluting surface water and neighboring property.
If you already have mud, you can either remove some of the existing mud or put in footing material at a ratio of at least 1:1 (if you have six inches of mud, you'll need at least six inches of footing material. If the soil is very mucky or clay-like, you may want to first lay down some type of geotextile fabric, which can be purchased through garden and hardware stores and helps keep the soil from working its way up into the footing, and then place the footing material on top.
As a temporary measure, you can use a front-end loader or tractor to pile manure into mounds in corrals or paddocks to form dryer "islands" for your animals until the weather warms up and these areas can be scrapped and new footing material is hauled in.
It is your responsibility as a horse or livestock owner to provide safe and humane housing for animals in your custody. Please take the appropriate steps to improve your animals' environment.


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After seemingly beginning its viral marketing last week, it looks like the third film in the "Cloverfield" franchise may have a title – "Cloverfield Station".
The film, previously titled "God Particle" and helmed by Julius Onah, follows astronauts aboard a space station who, after an accident with a particle accelerator, discover that Earth has vanished.
The title report comes from a Reddit thread source who allegedly saw a lighting artist on the film update his LinkedIn resume with the new title. Additionally, the website domains CloverfieldStation.com and CloverfieldStationmovie.com, along with Facebook and Twitter accounts bearing the new title, have been found.
The title of "10 Cloverfield Lane" was revealed mid-late January in 2016 just two months out from release. It's expected the official title reveal won't be confirmed by the studio until the trailers are out.
Daniel Bruhl, Elizabeth Debicki, Aksel Hennie, Gugu Mbatha-Raw, Chris O'Dowd, John Ortiz, David Oyelowo and Zhang Ziyi co-star in the third film which is due to open April 20th.
Source: Coming Soon


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The Friends of Nonquon and North Durham Nature are hosting a Winter Wetland Snowshoe Adventure at the Nonquon Environmental Education Centre! Feed chickadees, identify animal tracks, enjoy hot chocolate, and learn to snowshoe! Longer and shorter hikes will be offered, but only a limited number of snowshoes will be available for loan, so please bring your own if you have them! Pre-registration is required, email email@example.com. February 10 2018. 9 am to 12 pm. Travel north of Port Perry on Old Scugog Road, the Nonquon EEC is approx. 500 metres past Scugog 10th line on the right.
Romance is alive and well at the Canadian Automotive Museum! Bring your "love bug" to the Museum for a tour of the gallery featuring automotive love stories. Expert tour guides will explore stories of love and loss related to automobiles on display. Discover the history behind the iconic Rolls-Royce's hood ornament, learn the intriguing tale behind a Canadian knight and a Italian countess, and hear the last romantic words of Isadora Duncan before her untimely death in a Bugatti. February 10 2018. 1 pm to 2 pm. Adults $10, Students/Seniors $8, Youth $5, under-5s FREE. 99 Simcoe Street North, Oshawa.
The Oshawa Little Theatre presents One Flew Over the Cuckoo's Nest. Randle Patrick McMurphy is a larger-than-life, fun-loving, charismatic rogue who figures his short prison sentence will be cushier if he contrives to spend it in the loony bin. His attempts to disrupt the strict regimens, and introduce spontaneity and free-will to his fellow patients, put him in direct conflict with the indomitable Nurse Ratchet. February 10 & 11 2018 (runs until Feb. 17) Various times. $15 youth/$25 adult. 62 Russet Avenue, Oshawa.
The Whitby Courthouse Theatre presents Avenue Q, the Tony award winning musical that's part flesh, part felt, and packed with heart. Seats are nearly sold out! 14+. February 10 2018 until February 24 2018. 416 Centre Street South, Whitby. 8 pm. $27.
The Durham Chinese Canadian Cultural Centre is celebrating Chinese New Year! Enjoy performances and food vendors while celebrating the Year of the Dog. February 10 2018. 5 pm to 9 pm. 611 King Street West, Oshawa. Register at email@example.com.
Love is in the air! Head to the Station Gallery in Whitby to show friends and family how much you care with special handmade Valentine cards. Explore a variety of innovative techniques such as stamping, embossing and cut-outs, then add lots of embellishment! Create up to 5 unique cards; envelopes included. February 11 2018. 10 am to 12 pm. 6+ years. $15 per person. 1450 Henry Street, Whitby.
Dust off the blades and join Powerade for a free skate at the Legends Centre! February 11 2018. 1 pm to 2:30 pm. Pad 2. 1661 Harmony Road North, Oshawa. FREE.
It's OPG Second Sundays at the Robert McLaughlin Gallery! Drop in for an afternoon of art celebrating the Lunar New Year of the Dog! Create man's best friend using fine art materials in the Studio, and check out the new family space. February 11 2018. 1 pm to 3 pm. 72 Queen Street, Oshawa. FREE.
The Robert McLaughlin Gallery is hosting a Q & A session between Grant Cole and curator Sonya Jones to celebrate the opening of Grant Cole: The Parade of Life. Oshawa-based artist Cole is drawn to the formality of everyday life depicted in the Thomas Bouckley Collection of historical photographs. While Cole's work typically explores his own personal successes and failures, his subjects in his latest work, inspired by the collection, are depicted with what identifies their success, whether an object, uniform, skill, or profession. February 11 2018. 1 pm to 3 pm. 72 Queen Street, Oshawa. FREE.


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look here at this pillow.
so cute, right?
my madre and i were perusing some home decor mags a few weeks ago and i was thinking i wanted a pillow update in the house.
how perfect that one of the mags had a whole article/collection of cool pillows!
the one i liked was 70 bucks! per pillow! and i wanted 2!
i know for designers and such, that is probably a cheap deal but for me, that is steep.
week later my mom calls me from calico corners and says they have the same exact fabric.
so what would have cost me $140.00 plus shipping i got for $20 a yard, already had two 26x26 pillow forms from ikea (that they no longer sell, so so sad) and my total was $22 dollars a pillow.
plus, that baby is pretty rockin too.
and i got a great deal on him. haha.


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The sun rises gently over Chapel Hill Memorial Cemetery as members of the post gather at 6:30 a.m. to decorate the graves of local veterans. We do this on the Saturday of Memorial Day Holiday Weekend.
Everyone is invited to attend and to place a flag or flags on veteran graves. It takes about 35 minutes to complete because so many join us to help.
Next, we socialize and welcome people as they arrive for the 8 a.m. memorial service.
Local media frequently attend to photograph the flag placement and to talk to participants. You are encouraged to bring your camera. The pictures can be breathtaking.
At 9 a.m. we are just about done. Post members, joined by local veterans and friends, head off to Bob Evans Restaurant for a no-host breakfast. Why not join us and learn more about what the post does and how you can help us help other veterans and their families.
Learn more about this year's Saturday event at the cemetery.
Learn more about this year's MONDAY (Memorial Day) events. There are no Monday events at the Chapel Hill Memorial Cemetery.


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CEO Announcement
Thato Mfikwe
New CEO
Dear members, followers, beneficiaries and stakeholders of SOWUG,
We are pleased to share the news that the SOWUG Board of Directors has elected Mr. Thato Mfikwe to become SOWUG's CEO effective of 8th of December 2015. The election of Thato represents the culmination of a process to see SOWUG as the leading Wi-Fi provider in rural and township areas across the country.
With the organisation growing at a rapid pace we needed to have a CEO that can help position the organisation, improve stakeholder communications and scale up the impact of the organisation, while enabling global reach and impact. Mr. Thato Mfikwe's appointment as the CEO is a move in the right direction in terms of addressing matters that are close to the organisation and social needs within communities that we currently serve by bringing them high quality services, innovative programs on a international perspective and partnerships.
Mr. Thato Mfikwe comes with his current role as Co-Founder/Treasurer of SOWUG and experienced entrepreneur, that has been privileged to attend the US State IVLP - International Visitor's Leadership Programme 2015 program that has equipped and enhanced his innovative and entrepreneurial skills and capabilities that will take the organisation to the next level of social and economic transformation through ICT Development.
He is a qualified financial accountant from Tshwaane University of Technology, certified in Project Management, Strategic Management and Leadership and knowledgeable in New venture Creation and Market research and analysis.
He has also worked with South African Graduates Development Association (SAGDA), responsible for graduate programmes working closely on Umsobomvu Youth Fund. He worked with Proctor and Gamble (SA) as assistant market researcher for South and East Africa and was a member of youth Parliament in 2006/2007. Currently is a community activist.
We invite you to join us in welcoming Mr. Thato Mfikwe as our new CEO at SOWUG, you can share your thoughts with us on SOWUG's Facebook Page @SOWUG or via Twitter @Mfikwet16.


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Dashcams have become more and more valuable to motorists in the UK, but from an insurance perspective they are critical when it comes to claims. A significant proportion of claims on the road are settled with split liability on the basis when there are no witnesses. A dashcam can be that independent witness. here we explain The Importance of Dashcams in insurance.
Previously we have shown you some great examples of dashcam footage
Its not only to prove innocence in a claim, especially when it's a business vehicle, it helps fleet managers and business owners accept liability on claims when your driver is at fault, this helps keep claims costs low and contained. They can also help with driver safety and training needs.
Dashcam videos can be timestamped, making them a great source of evidence for any kind.
At Ravenhall, we urge all motorists to install and use dashcams, they are a great way to protect yourselves from the impact of accidents that were not your fault, improve driver safety and reduce claims costs and fraud on the roads.
Discounted Dashcams for Ravenhall Clients
Ravenhall have teamed up with Codeblue Communications, one of the regions leading suppliers of telematic and communications equipment and services, to provide Dashcams to clients at £129 inc VAT for a Thinkware F200 camera, widely regarded as one of the best value dashcams on the market, capable of Full HD 1080P,Energy Saving Parking Recording, 140° Wide Angle, Safety Camera Alert (Optional Extra), Advanced Video Clear Technology, G-Sensor Incident Detection, Built-in Wi-Fi, Mobile app connectivity. Simply contact your Ravenhall Account manager or contact Code Blue quoting RAVENHALL www.codebluecomms.co.uk


text:
Directed by Sam Evans. A fine work suited to the grand acoustic of Holy Trinity.
Back to All Events
Earlier Event: March 23Adam Gorb - Thoughts Scribbled on a Blank Wall - JAM on the Marsh, Kent.
Later Event: March 26Mendelssohn - Elijah - Nantwich Choral Society, Nantwich Civic Hall


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The Heart of Wholly Mother
Introverts to the core, we usually shy away from introductions and avoid small talk entirely. However, the day we met, we instantly bonded over conversations about vegetarianism and motherhood, bought the same eyeliner and left a party early to go to bed. A few months later we both moved our families to South Africa from Hawaii. We have had adventures together as neighbors on two continents. Now, we live 11,680 miles apart but still come to many of the same daily conclusions about motherhood, fitness, memes etc. This blog was birthed out of our daily iMessage conversations and questions we both started getting in our inboxes daily. As mothers the things we have found ourselves researching and incorporating into our lives along the way have been seeped in prayerful consideration. We stand by the notion that thriving isn't about a particular diet or workout style or way of doing things. Thriving is about not being so boxed into a particular way of doing things that you can't see the whole picture of what you or your child needs in the moment. Our hope is that this space you can find inspiration and camaraderie in your own journey of motherhood and that you would be able to say, in the struggle and the glory, we thrive.
(And we aren't vegetarians anymore but are still wearing the same eyeliner).


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Plectropomus maculatus
Barcheek Coral Trout are another variety of fish extremely popular with anglers around the world and Australian fishos. All Barcheek Coral Trout are born females, but later in life, some will change to become males. They spawn, or mate, in large groups, usually under the glow of a new moon.
Barcheek Coral Trout are found in Thailand, Singapore, Philippines, Indonesia, Papua New Guinea, the Arafura Sea, Solomon Islands, and Australia.
Barcheek Coral Trout can reach a size of 70cm and 6kg.
Barcheek Coral Trout are red, pale grey or olive to dark brown colour with a head, body and fins with numerous small blue spots. Barcheek Coral Trout are often as brightly coloured as the Coral Trout they are also often mistaken for. The distinguishing feature of the Barcheek Coral Trout is the elongated blue spots on the head compared with Coral Trout where these spots are round.
Barcheek Coral Trout also have a powerful tail and a large mouth with widely spaced, sharp canine teeth.
While Barcheek Coral Trout are thought of as a standard reef feeder, they can also be found on the edge of reef dropoffs. Barcheek Coral Trout wait on the edge of deepwater dropoffs for when smaller fish move to the sanctuary of the deeper water as the tide moves out.
Barcheek Coral Trout are commonly found around the Abrolhos Islands of Western Australia around in tropical waters around the northern coast of Australia and tropical waters as far south as the southern region of the Great Barrier Reef in Queensland.
Although reported cases are rare, we must mention that large specimens have been associated with Ciguatera poisoning, a fatal form of food poisoning.
Large Barcheek Coral Trout are normally caught on oily baits, usually from oily fish, including Tuna, Mackerel and Pilchards in deeper water. Squid and crab also work. However, these fish can be taken on bait, lure and fly.
It is important to remember that fishing with baits when fishing for Barcheek Coral Trout can also attract sharks. So while Barcheek Coral Trout are usually caught over deeper reefs with bait, the alternative is to use jigs and false baits.
Casting and trolling surface lures and poppers are very effective for catching Barcheek Coral Trout along the reef dropoff. Another method involves jigging lures close to the reef floor. Barcheek Coral Trout find it very difficult to hold back from pouncing on a tantalising lure near their reef home.
Trolled minnow lures and cast poppers, slices or jigs put near coral outcrops or channels between reefs can provide exciting sport. Quality gear and tackle while paying close attention is recommended to avoid break-offs as this fish will head will head for cover if given a chance.
Using a trace will offer some protection during the battle.


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The Cancer Biology Graduate Interdisciplinary program leads to a Ph.D. degree in Cancer Biology. The Program allows students to focus their training in several related disciplines which have in common research faculty studying various aspects of cancer biology. A MS is not offered.
The Graduate College sponsors several Graduate Interdisciplinary Programs (GIDPs) in addition to the many interdisciplinary possibilities available through regular graduate degree programs. GIDPs transcend departmental boundaries by facilitating cutting edge teaching and research at the nexus of traditional disciplines. The high value placed on interdisciplinary research and education is indicative of The University of Arizona's enthusiasm and commitment to fostering innovation and creativity among its faculty and students.
GRE (Subject optional)
3 letters of recommendation
Statement of purpose
Required test(s):
Required GRE Subject tests:
Recommended tests: GRE,GMAT,MAT
Recommended GRE Subject tests:
Minimum GRE Verbal:
Minimum GRE Quantitative:
Minumum GRE Written:
Minimum GMAT:
Minimum MAT:
Minimum TOEFL: 550
Minimum IELTS: 7
Financial aid is available through the NIH T32 Cancer Biology Training Grant, Graduate Research Assistantships, fellowships and donated funds. All students admitted to the ABBS program are supported financially. After 3 rotations a research advisor will be determined and this advisor will provide the financial support.
Domestic Applicants:
International Applicants:
Cell and Developmental Biology, Microbiology, Immunology and Infectious Disease, Pharmacology, Toxicology and Environmental Health
Minumum credits: 0
Core coursework: Core courses must be completed and awarded a Grade of A or B during the first two years in the program.
See Other Requirements for Successful Completion of the Program below for more details.
Language requirements:
Other requirements: Cancer Biology Graduate Interdisciplinary Program satisfactory academic progress guidelines
Year One:
Complete first year core courses, no less than a B grade
Rotate through at 3-4 laboratories to identify a research lab, complete lab rotation evaluation
Attend final oral defense of fellow students
Participate in student research meetings and Spring recruiting
By July 1 of first year:
Identify research advisor and lab
Select minor
Complete annual evaluation for meeting with Progress Committee
Year Two:
Complete second year core courses, no less than a B grade
January 1 identify research project area and, with mentor, select potential supervisory committee members
By March 1 contact committee members and plan first committee meeting, plan for preliminary exam (no later than the end of fifth semester)
Years 3-5 (average time to complete Cancer Biology degree is 4.5 years)
Complete dissertation research and publish results in at least one peer-reviewed journal
Limit of 7 years for completion of degree
Core Courses:
Must be completed in the first two years (or with permission of Chair)
Grade of B or better
Annual Evaluation
Provide annual report to Progress Committee at meeting at the end of Spring semester
Comprehensive exam:
Written exam: NIH-formatted research proposal. Guidelines are in the CBIO student handbook and samples are in the CBIO office.
Oral exam: Defense of the written proposal (either inside or outside proposal) followed by questions from committee on general knowledge of cancer biology and minor.
Pass criteria: Student presents research proposal and answers questions from supervisory committee demonstrating scientific knowledge and critical thought.
A student may attempt the preliminary examination a maximum of two times at the discretion of the examining committee. Failure in both attempts result in automatic dismissal from the Ph.D. program. A second attempt at the oral examination must be scheduled within six months following the first oral examination and no earlier than four months.
Core courses complete by end of fourth semester
Research laboratory identified by July 1 of first year
Comprehensive exam no later than end of fifth semester
Final oral defense no later than seven years from start of program
A minor in Cancer Biology requires 9 units. A review of the minor plan with the Program Chair is highly encouraged before classes are taken.
|Program-level Information
|Application Acceptance Rate
|Med. Time-to-degree (years)
|Department-level Information
|Enrollment Percent Male
|Enrollment Percent Female
|Enrollment Percent International
|Enrollment Percent URM


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World of the newspaper war
As the number of e-readers launching grows by the day, the cleverly termed "tablet wars" dominate headlines. Another war, however, rooted in media history, continues to play out quietly: the newspaper war.
In early 2009, the Journal Register Company closed three weekly papers that served Connecticut's Farmington Valley. As a result, two displaced employees decided to launch The Valley Press to fill the news hole by covering Avon, Burlington, Canton, Farmington and Simsbury in Hartford County. Not even a year later, JRC re-launched three papers in the same areas under their Foothills Media Group: Avon News, Canton News and Simsbury News. Next month they will also launch the Litchfield News.
Foothills Media publisher Matt DeRienzo said that despite the presence of The Valley Press, which covers multiple towns, there was a "hyperlocal" news void that needed to be filled in specific areas. "Readers are caught between mini-metros and nothing. There really is a tremendous niche for local news coverage," he said. "We've operated in these communities before, but we're finding a better model, one that is tied to online." While the weekly print editions are packaged around the company's advertiser, The Foothills Trader, each town's paper has a dedicated Web site that contains "Web-first" news.
Coming up on its first birthday, Valley Press publisher Ed Gunderson said the paper has been well-received. And while they took note of JRC's return to the area, he said he doesn't believe they pose a threat. "They're the Home Depot, we're the local hardware store," he said. "The Valley doesn't have a Home Depot, there's a reason for that." Nevertheless, when the JRC papers first launched in December, the Hartford Courant reported that "locals have noticed the turmoil" between the newspapers. "I can't keep track of all the startups and die-downs," Avon town manager Phil Schenck told the Courant. "The only negative aspect will be if the advertising is siphoned off to too many papers. Then we don't get any coverage."
Across the country, other newspaper rivalries have also graced headlines. Over the summer, Wall Street Journal readers were entertained with the story of The Vineyard Gazette and Martha's Vineyard Times, which traded biting commentary in a battle that has raged for a reported 30 years. Regardless of competing papers, Poynter Institute media business analyst Rick Edmonds said in an e-mail interview that he is still "skeptical that very many can buck the one-newspaper-town momentum, witness the closure of the new Detroit paper before it even published," So while it's obvious that wars between some weeklies in areas of the country wage on, feuds between dailies have become rare.
Then again, back in August Zachary Seward of Nieman Journalism Lab titled an article on one such battle between daily papers: "The NYT vs. WSJ: the quietest newspaper war in America." Several months ago the two papers demonstrated the validity of the headline when they each launched editions of their papers in the same market. In November, The Wall Street Journal launched its Bay Area Edition in San Francisco following the New York Times' debut of its Bay Area Report in October. "The New York Times and Wall Street Journal have always been competitive to a degree," said Edmonds. "Clearly Murdoch's Wall Street Journal has aspirations to take on the New York Times directly as a general interest national newspaper. I don't think the New York Times folks are quaking or that their franchise on topics like politics or the arts is endangered."
Meanwhile, a more contemporary type of newspaper war is theoretically in the works in Seattle. According to a Crosscut article, Hearst will include the online-only SeattlePI.com on its new e-reader, the Skiff, which is set to launch in coming months. The Skiff will reportedly "allow subscribing publications to tailor their own advertising, presumably letting them collect at least two new revenue streams for subscribers and readers," wrote Crosscut writer Bill Richards. "That would once again put the e-reader-based P-I into head-to-head competition with the Seattle Times, which currently sells ads for both its print and Web-based news sites but has not announced any plans to offer news on an e-reader."
It's not news that daily newspaper wars have tapered off in past years as metros folded and content-sharing agreements ensued. But it is apparent that rivalries between papers still exist at weeklies and even among some dailies. Meanwhile, competition is alive and well as start-up nonprofit sites continue to launch, public radio stations take on a greater news orientation and television breaks news online throughout the day instead of waiting for the evening newscast, said Ken Doctor, an analyst with Outsell Inc. "It's a time of increased competition, but it's coming from separate kinds of companies," he said. "Because online, everyone looks the same. And online, everyone has the same technology."
— Katrina M. Mendolera
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text:
Will everyone be saved?
Tim Keller, author of The Reason for God and The Prodigal God, is quickly becoming a great apologetic voice in our culture. His ministry is reaching out to atheists, seekers, and believers with the life changing Gospel of Jesus of Christ.
God's ultimate desire is absolutely clear. He longs for everyone to turn from their sin and put their faith in His Son Jesus for their salvation. (2 Peter 3:9)
The Bible makes very clear that heaven and hell are both real. It's not a popular topic but discussing the reality of heaven and hell with the people in our lives love is truly the most loving thing we can do.
"For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life. For God did not send his Son into the world to condemn the world, but to save the world through him. Whoever believes in him is not condemned, but whoever does not believe stands condemned already because he has not believed in the name of God's one and only Son. Whoever believes in the Son has eternal life, but whoever rejects the Son will not see life, for God's wrath remains on him."- Jesus
Watch this short video by Tim Keller that speaks to this question: "Will everyone be saved?"


text:
IFG Group (IFP.L, IFP LN)
- 204.5
- 105.4
- 84.7
Company Profile
IFG is a small financial services company with its headquarters in Dublin. Following the disposal of its international trust services business in 2012 and its Irish pensions and insurance businesses in 2014/2015, it is now entirely focused on the UK high net worth market through its platform services provider James Hay and IFA Saunderson House. James Hay is one of the largest providers of SIPPs in the UK. Its flagship modular iPlan includes SIPP, ISA and GIA options. Saunderson House's focus on professional practices, primarily accountants and lawyers to date, through a fee-based model, has driven steady growth in clients, revenues and profits over the past ten years, helped by a consistently first quartile investment performance. IFG has a strong balance sheet, allowing it to invest in the business. Organic growth is the key focus but it will explore non-organic opportunities where it makes operational, financial and regulatory sense.
|Major Shareholders
|Sand Grove Capital Management LLP
|The Goldman Sachs Group
|FIL Investment International
|GVQ Investment Management
|John Gallagher


text:
The City Council in National City last week approved changes to more than 300 city fees, as well as almost 200 new fees, for permits, business licenses and other services.
Among the changes approved Oct. 2, fees charged to developers for residential and commercial projects will decrease, while business license fees will increase.
The new fee structure will become effective on Jan. 1.
In a move intended to encourage development, cumulative fees charged by the Building Department will be slashed significantly for residential and commercial building projects, from:
- $7,407 to $4,173 to build a single-family house and garage;
- $6,735 to $2,554 to build a 2,500-square-foot business; and
- $7,904 to $4,329 to build a 3,000-square-foot business.
Councilman Albert Mendivil said he was happy to see lower building fees, which he said will hopefully "promote growth and new construction."
Among the fee increases, new businesses will pay more for a license. The flat rate of $74 for a new business license will jump to:
- $233 for a small (1,500-square-foot) restaurant;
- $417 for a (19,400-square-foot) store;
- $864 for a (134,400-square-foot) big-box store; and
- $1,941 for a warehouse-sized (362,250-square-foot) business.
The fees to renew an annual business license also will increase to:
- $342 for a small restaurant;
- $659 for a medium-sized store;
- $3,139 for a big-box store; and
- $3,641 for a warehouse-sized business.
The updated fees for business licenses will incorporate an increased application fee and a new fee — based on square footage — to help cover a state-mandated fire inspection.
In the past, the city has not recovered costs of the fire inspections, instead pulling from the budget to pay for the costs.
While the mayor expressed concern that the increased fees could be a burden to businesses — he noted businesses contribute a significant amount to the city's revenue — city staff stressed the importance of the fire inspections and the recovery of the costs.
"If it is not recovered, it is incurred by taxpayers," Deputy City Manager Brad Raulston said.
Fire Marshal Robert Hernandez stressed the importance of the annual fire inspections, saying inspectors "do catch a lot of things early on to ensure these businesses are safe."
Overall, the city will have 174 new fees. Of the 414 existing fees, 225 will increase and 88 will decrease.
Generally, fees for services intended to encourage public participation or compliance will remain lower than the cost of the services, which generally take into account staff's salary and other factors.
One example: Permits to replace residential water heaters — a move intended to conserve energy — will be free, even though the cost of the service is about $130. The fee for businesses will be $130.
Other notable changes include fees for temporary-use permits, which will increase from $237 to $272 for Class A (large events), $95 to $109 for Class B (includes use of mobile homes or trailers as office spaces or classrooms) and from no cost to $50 for Class C (for events such as rummage sales).
Fees for conditional-use permits will decrease from $7,890 to $3,700.
The City Council approved the current set of fees in 2008, replacing fees established in 2005. In 2009, however, development services fees were rolled back to the fees set in 2005 because of economic pressures on residents and businesses at the time. In 2010, as the economy improved, the city reinstated the development service fees approved in 2008, with some exceptions and changes.
The newly approved fee structure was derived from a year-long study by Wildan Financial Services, a consulting firm that looked into costs of services and state law that sets parameters for fees charged by cities.
Email: firstname.lastname@example.com
Phone: (619) 293-1876
Twitter: @D4VIDHernandez