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Market & Economic Commentary|Fall 2018Posted: November 27, 2018 Filed under: Uncategorized Leave a comment
By: Josh Mackenzie & Jim Scheinberg – November 27, 2018
Green with Envy
The entire world is green with envy. By all measures, the U.S. economy is performing exceptionally well. While growth has slowed marginally in Europe, China, and other emerging markets, the U.S. continues to surge. 4.2% real growth in the second quarter was followed by what portends to be a stellar third quarter (initially estimated at 3.5%). There is a distinct possibility that the United States may average 3% growth for the entirety of 2018, something that quite amazingly has not happened since prior to the great recession! Strong outperformance of U.S. assets was a recurring theme for 2018 and that trend continued in the third quarter. However, fear over rising interest rates and building tensions with China broke the upward momentum here in the U.S. since the third quarter closed. Though corporate earnings and the housing market continue to steam ahead, U.S equity markets have since fallen into correction territory to start off Q4, shaking off what otherwise has been a strong economic and earnings calendar. Will this break in our domestic tranquility prove to be a bump in the night, or the first shots of an all-out global trade war? That remains to be seen… or should we say, "heard?"
How the Markets Fared
Third quarter equity performance in the U.S. reflected the superb strength of economic growth. The S&P 500 clocked in at 7.7% gain, the best quarterly performance for the index since 2013! Growth stocks again outpaced value, and larger domestic companies caught up with their smaller counterparts, as concerns over international trade subsided… for the time being. Propelling domestic equity performance was a strong Q2 earnings season, where companies exceeded expectations on both the top and bottom lines, further highlighting the sustained increase in economic activity. Developed international markets performed adequately from a U.S. investor's perspective, returning a modest 1.4%. Emerging markets, which saw large losses in the second quarter, found support in Q3, bolstered by rebounds in Latin America, which was up 4.9%. A stronger dollar and rising U.S. interest rates put pressure on indebted foreign countries, with a crack appearing in the weakest of the emerging markets. Countries like Argentina and Turkey have seen the value of their currencies obliterated; their resultant inflation increasing the difficulty of servicing their debt. So far, these two markets have been isolated instances, but it remains important to monitor some of the larger emerging market economies going forward: India, Brazil, and China to see if similar conditions materialize.
In late September the Federal Reserve raised rates for the third time this year, additionally they enthusiastically telegraphed their intention to continue raising interest rates, once more in 2018 and further next year. The yield on the 2-year Treasury now stands at an attractive 2.8% While rates have been on the rise there have been no apparent signs of stress appearing in the credit markets. The "risk-on" attitude stemming from the fast pace of economic growth here in the U.S. helped the riskier corners of the bond market (namely high yield and emerging market debt) perform well, returning 2.4% and 0.75% respectively. Credit spreads, which were already extraordinarily tight, narrowed even further and default rates remained historically low. Investment grade corporate debt was flat and developed market international debt was down 1% on the quarter (in part due to a continued rise in the dollar). Declines in the price of intermediate and long government bonds erased the coupons for BarCap Aggregate and led to losses of nearly 3% for long dated U.S. government bonds. (For a discussion on why rates are on the rise, see Piering Ahead… ahead.)
Strong Planks
PIERing Ahead
Economic growth powered U.S. equity gains in the third quarter. Corporate profits provided a further boost. Of the nearly half of S&P 500 companies that have reported Q3 earnings (as of October 26), 77% have beaten bottom-line forecasts and 59% have topped estimates for revenue growth. That support looks unlikely to abate until perhaps later next year. Valuation metrics such as forward P/E suggest (currently 15.5 times) the U.S. equity market is not overtly expensive, compared to historical averages (5-year average of 16.4 times).
Stepping back and contemplating global markets there are several important things to note. The "America First" agenda is powering the U.S. economy. Growth in the United States has been exceptional, as has equity market performance. Though moderating a bit, the rest of the world has also expanded at a solid clip in 2018. However, financial markets have not commensurately rewarded that growth, concerned with potential slowing ahead due to what-if scenarios conjected based on uncertain trade environments. Further driving this divergence is a stronger U.S. dollar. The dollar has been buoyed by normalization of monetary policy from the Federal Reserve and fiscal stimulus from the Trump administration (e.g. lowered corporate tax rates). As interest rates rise, capital begins to flow back to the United States, putting upward pressure on our currency.
Monetary tightening is widely expected to continue well into 2019, both in the form of further interest rate hikes from the Fed and the systematic unwind of the Federal Reserve's balance sheet. This tightening is occurring simultaneously with the expansion of the budget deficit to finance fiscal stimulus in the form of tax cuts and increases in federal spending. An additional headwind to the bond markets is a tax arbitrage phenomenon that incentivized sponsors of defined benefits plans to pull their 2018/2019 contributions into the 2017 tax year that ended on Sept 15, 2018. This artificially drove up bond prices in the summer (suppressing yields), and subsequently, will result in a lull in routine buying in the coming quarters. More supply combined with dwindling Federal Reserve demand… If one was looking for higher interest rates, this is the formula. Higher interest rates could likely lead to further dollar strengthening, which in theory would continue to put pressure on non-dollar-denominated assets.
Further complicating the picture are international trade tensions. Curiously the dollar has reacted positively to tariff escalation between the United States and China. The administration imposed 10% tariffs on $200 billion of Chinese goods beginning September 24th. The Trump administration further proclaimed that if no concessions were obtained from the Chinese, the 10% rate would increase to 25% on January 1st, with the potential to apply that rate to a further ~$250 billion in trade. China responded in kind with tariff imposition on the United States. Tariffs are taxes on consumers and businesses, as they increase the cost of goods and services coming into the country. Some of those costs will manifest in reduced corporate margins (as many companies, like Caterpillar have recently reported), other costs will be passed through to the end consumer. As a result, you will likely end up paying a bit more for your next car. To the extent that these additional pressures stoke inflation even further, we may see a more aggressive Fed in response. Talks between the two nations are tentatively scheduled for the G20 Summit in Argentina in a few weeks. If some significant progress is made, it will be a real positive for investor sentiment and should provide a boost for markets heading into the end of the year.
It appears all roads are leading to higher rates. The reason this is so important, and is the focus of this writing, is because interest rates act like financial gravity. Stocks, bonds, housing, you name it, all markets are impacted by the cost of money. Rising interest rates are equivalent to turning up the gravity – so to speak – implicitly weighing everything else down in the process. To gauge what impact an increase in financing costs are having on the economy, the housing and auto sectors are a good barometer. Big expensive purchases that require lots of borrowing are highly sensitive to the cost of credit. For the last two years, U.S. equities and the housing market and consumer spending have had little issue handling the steady increase in the cost of capital; after all, we are still historically in a low interest rate environment. The question is, at what level does the cost of capital begin to meaningfully impact behavior at the household level, and profitability for the business sector? Piering ahead, strong growth looks set to continue, but keep an eye on housing, auto sales and how the consumer acts over Christmas. If there is a change in the weather, you'll likely see a shift in the direction of these economic winds first.
Fiduciary Commentary | Fall 2018Posted: November 5, 2018 Filed under: Uncategorized Leave a comment
By: Brant Griffin
IRS Announces 2019 Cost-of-Living Adjustments
On November 1, 2018 the IRS announced this year's retirement-related cost of living adjustments.
Collective Investment Trusts
Collective Investment Trusts (CITs) have experienced rapid growth in retirement plans. The recent increase in CIT assets have been significant, rising from $1.9 Trillion at the end of 2015 to an estimated $3.1 Trillion today. CITs are pooled investment vehicles operated by a bank or trust company for use in ERISA plans, as well as for certain types of government plans. Target-date funds (TDFs) have been the dominant offering for these investment products. In fact, as of 2017 approximately 40% of 401(k) plan CIT assets were used for the TDF offerings. This rapid growth in market share has come at the expense of mutual funds – the long standing dominant defined contribution plan investments.
The appeal of CITs is justified. Investment trusts can cost significantly less than the mutual funds that they are often modeled after. In addition, there are some inherent structural advantages of CITs. The products do not have many of the same investment restrictions of registered mutual funds. For example, CITs can utilize higher yielding stable value investments, whereas mutual funds must invest in lower yielding money market instruments for liquidity. Also, as CITs are exclusively used in retirement plans, they don't need to maintain the same level of cash to meet redemption requests as retail mutual funds. This frees up CITs to invest assets more fully in the securities of the asset class they are pursuing.
However, CIT's cost advantage over mutual funds may be diminishing, as the mutual fund industry responded to the familiar objection of high costs by increasing their share class offerings to include more institutional and zero-revenue share classes. With these new options, the cost advantage has contracted to around five basis points today from around ten basis points a decade ago. Nonetheless, even a small pricing advantage can have a significant impact on returns during a participant's lifetime savings.
Plan fees have been a principal fiduciary concern over the last decade. With the plan fee reduction movement showing no signs of waning, CITs are expected to experience continued growth in retirement plan market share. While offering similar benefits to mutual funds at generally lower costs, CITs can provide an attractive option for fiduciaries to fulfill their continual duty to monitor investments and fees for the best value.


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Francesco Marotta
ReGenera Research Group for Aging Intervention, Italy & MMC Clinic - Gender Medicine Unit by Genomics & Biotechnology, Milano, Italy
Francesco Marotta MD, Ph.D. with experience in gastroenterology, oxidative stress, aging and nutrigenomics in the USA, Cape-Town, and Japan leading to extensive publications. Hon. Research Professor at Dept of Nutrition, Texas Women University, USA, Advisory Board Panel of the Center for Life Science at Nazarbayev University, Astana, Kazakhstan and External Examiner at McGill and Osaka Universities ( Canada and Japan). Currently, he serves as CMO at Milano Medical center for Healthy Aging and also at a prime international clinical set up in Central-Asia,
Abstract : Hormetic Microbiota effect on the gut-based mechanism of Metformin benefit

subset: commoncrawl


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Here are major leaguers with three or fewer service years, minor leaguers, collegiate and high school stars and international prospects who could end up in Cooperstown in the distant future. 1 of 23
Ronald Acuna Jr., Atlanta Braves OF
After a breakout rookie year as a 20-year-old, Acuna became the youngest $100 million man in baseball history. He etched his name in the history books when he became the youngest player to hit a postseason grand slam, in Game 3 of the 2018 NLDS against the Los Angeles Dodgers. During his Rookie of the Year campaign, Acuna hit 25 home runs and stole 15 bases, becoming the fourth 20-or-younger player to accomplish the feat. (He joined Alex Rodriguez, Orlando Cepeda and Mike Trout.) 2 of 23
Jo Adell, Los Angeles Angels OF prospect
Adell has put on a five-tool talent show early in his professional career, rising to become the top homegrown Angel prospect since Mike Trout. His game is reminiscent of that of his potential future teammate, as Adell is a gifted defender who makes high-quality contact at the plate. He hit 20 home runs across three different levels in his first full pro season as a 19-year-old. 3 of 23
Pete Alonso, New York Mets 1B
Alonso has wasted no time making an impact as rookie. His 26th home run, on June 22, set the National League first-half rookie record. In the process, "Polar Bear" tied Darryl Strawberry's full-season rookie home run record. He has 31 HRs, more than halfway to Aaron Judge's 2018 rookie record of 52. 4 of 23
Cody Bellinger, Los Angeles Dodgers 1B/OF
Bellinger's career is off to a torrid start. The third-year big-leaguer captured NL Rookie of the Year honors in 2017, after hitting an NL-rookie-record 39 home runs. In 2019, Bellinger set an April record with 97 total bases and tied the record for home runs (14) and runs (32). 5 of 23
Walker Buehler, Los Angeles Dodgers pitcher
Buehler made an immediate impact upon arrival in L.A., becoming the latest in an increasingly long line of recent Dodger prodigies. In 2018, he capped a terrific rookie year (8-5, 2.62 ERA, 151 strikeouts) with a dominant, seven-shutout-innings performance in Game 3 of the World Series. On June 21, he became the first Dodger pitcher to turn in a 15-plus strikeout outing (16 overall) with no walks. 6 of 23
Matt Chapman, Oakland Athletics 3B
A dazzling defender on the hot corner, Chapman has turned into one of the most dependable highlight creators in the game. Chapman's presence at the plate has continued to grow as well, as he has produced an .870 OPS since 2018. 7 of 23
Jasson Dominguez, Dominican Republic OF
The 16-year-old Dominguez is widely considered the top international amateur prospect. The multiskilled outfielder is a switch-hitter with a strong, 5-foot-10, 190-pound frame and the ability to hit for power from both sides of the plate. He's also fast. The Yankees gave him a $5 million signing bonus earlier this month. 8 of 23
Wander Franco, Tampa Bay Rays SS prospect
The game's next great prodigy, Franco has been sensational in his first year-and-a-half as a pro. As a 17-year-old, he hit .351 with 11 home runs and seven triples to claim MVP of the Appalachian League. He was three years younger than the league average age. He has kept his foot on the gas in Year 2, recently inheriting the mantle of the game's top prospect despite just turning 18 in March. 9 of 23
MacKenzie Gore, San Diego Padres pitching prospect
Injury plagued last season, Gore has firmly established himself as one the game's top coming attractions on the mound. The southpaw — who drew comparisons to Clayton Kershaw en route to becoming the third overall pick in 2017 — is dominating minor league foes as a 20-year-old. 10 of 23
Vladimir Guerrero Jr., Toronto Blue Jays, 3B
There may be no more naturally talented hitter to emerge in the past 20 years than Vlad Jr. He famously destroyed minor league pitching over the past two years, hitting .323 and .381, respectively, with a number of tape-measure homers mixed in. Few 20-year-olds feel like they are overdue to reach the majors when they did, but Guerrero Jr. fit that bill. On May 14, he became the youngest Blue Jay to homer. For good measure, he hit another one that night.
By: Matt Whitener


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Latest news
Tag / East London
Appeal for witnesses following assault in Romford
News • May 09, 2018 09:55 BST
Police in Romford are investingating an assault that has left a man in a critical condition.
UPDATE: Appeal after woman dies from injuries in Chingford collision
News • May 07, 2018 13:09 BST
Detectives are appealing for information after a woman was critically injured, and has subsequently died from her injuries in a collision in Chingford.
Appeal to identify man wanted for questioning in connection with sexual assault
News • May 05, 2018 05:30 BST
Detectives investigating a young woman sexually assaulted in Walthamstow are appealing for help from the public.
Life imprisonment for man who murdered victim after text threat
News • May 04, 2018 16:21 BST
Cedric Kiyago, 22, has been jailed for a minimum of 29 years for the murder of Liam Harman in Romford in July 2017.
Man jailed for life for east London murder
News • May 04, 2018 14:45 BST
Keith Nelson, 51, has been sentenced to life imprisonment - to serve at least 23 years - for the murder of 34-year-old Alfred Purcell in East Ham in June 2017.
Man jailed for murder and attempted GBH
News • May 04, 2018 13:41 BST
A man has been jailed for murder and attempted grievous bodily harm after deliberately driving at a moped rider and pillion passenger.
Appeal after serious assault in Enfield
News • May 03, 2018 06:00 BST
Police in Enfield are appealing for information after a man was seriously assaulted in an apparent dispute over parking
Man jailed for sexual offences against children
News • May 02, 2018 16:59 BST
A dangerous predator who targeted young children for his own sexual gratification has been jailed for more than seven years
Man guilty of murder after fatal collision with moped
News • May 02, 2018 15:22 BST
Bradley Clifford was convicted of the murder of Soban Khan, and attempted GBH. He will be sentenced on Friday, 4 May.


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https://www.waternewsnetwork.com/wp-content/uploads/2018/02/water-news-network.png 0 0 Ed Joyce https://www.waternewsnetwork.com/wp-content/uploads/2018/02/water-news-network.png Ed Joyce2017-02-22 09:51:282018-06-26 17:56:57Who Should Pay To Fix The Oroville Dam?
Who Should Pay To Fix The Oroville Dam?
After a nail-biting week of rain, it looks like the Oroville Dam spillway crisis is under control, for now. Downstream communities, including the nearly 200,000 people whose lives were disrupted by a two-day evacuation, will remain on alert as the large snowpack in the Northern Sierra (more than 150 percent of normal) begins to melt this spring.


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Are you ready for the festive season? Christmas is around the corner… kids are so excited. X'mas tree is up, lights are hanged…
Gingerbreadman cookies are baked for co-operate orders. They will be flew to Jakarta & Singapore.
As the tradition, each year I will have Gingerbread House making Class! Are you keen to join? If yes, contact me directly at 012-2841103 to book.
Limited seats!
Date : 22nd December, 2012. Time : 1pm-4pm. Venue : My cozy kitchen in Kota Damansara. Fee : RM200


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For the past seven NFL seasons, Pat McAfee has been a leader, and source of constant entertainment, as punter for the Indianapolis Colts.
But off the field, he's making audiences across Indiana laugh during his stand-up comedy shows.
On Feb. 12, McAfee will take the stage at 8 p.m. at Muncie's Emens Auditorium, during a stop on his upcoming 'The I-69 Tour.'
He will perform in Evansville on Feb. 10, Wabash on Feb. 11 and Bloomington on Feb. 13.
Reserved seat tickets cost $35 and go on sale at 10 a.m. Jan. 15 at livenation.com.
They will also be available for purchase at the Emens box office, all Ticketmaster outlets, charge-by-phone (800) 745-3000 or online at www.ticketmaster.com.
In September, the Pro Bowl athlete performed during his two-night, stand-up comedy event, "Uncaged," at the Palladium in Carmel, and recently hosted "Pat McAfee presents A Ridiculous New Year's Eve" at the Murat Theatre at Old National Centre in Indianapolis.


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Match detail: Hull City v Chelsea
Match Date: Saturday, 15th Mar 1930
Competition: League - Football League Division 2
Opponent: Hull City
Venue: Anlaby Road
Attendance: 4,813
Half Time: 0 - 0
Result: Won 1 - 3
Referee: R Bowie (Northumberland)
Sid Bishop
William Jackson
Tommy Law
Jack Meredith
Harold Miller
Sam Millington (GK)
George Mills
Leslie Odell
Willie Russell
Jack Townrow
Andy Wilson
|Chelsea Goal Scorers:
William Jackson
George Mills
George Mills (46)
Hull City Goal Scorers:
Ronnie Starling
Return to Match Selector
Return to Season Selector.
Return to Competition Selector.
Return to Home page.


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2019 Nissan X-trail St-l X-tronic 2wd Wagon (Ruby Red) Demo Car
Vehicle Details
- Vehicle
- 2019 Nissan X-trail St-l X-tronic 2wd Wagon (Ruby Red) Demo Car
- Series
- T32 Series II
- Price
- $36,989*2 Drive Away
- Colour
- Ruby Red
- Transmission
- Constant Variable
- Body Type
- Wagon
- Kilometres
- 423 km
- Stock Number
- 2560992
- Registration Plate
Vehicle Detail
- Dealer Comments
- Series 2 Xtrail ST-L 5 seater! Demo 2019 X-Trail!! Venture Ahead! Packed with features this luxury style SUV 2WD comes with Black Leather Accented Steering Wheel and Seat Trim, Bluetooth Phone and Audio Streaming, Intelligent Around-View Monitor with Moving Object Detection, 7`` Touch Screen Display with Sat Nav, Intelligent Emergency Braking, Intelligent Key with Push Button Start Engine, plus SO much more! With the latest state of the art showroom, plus plenty of stock available for immediate delivery, please contact us today! Can't come out to us? We can bring the vehicle to you! Now with a 7 Year unlimited KM warranty, Roadside Assistance and Capped Price Servicing! T&C Apply
- Door Num
- 5
- Seat Capacity
- 5
- Options
- 12 Volt Power Outlet, 17 Inch Alloy Wheels, Additional 12 Volt Socket/S, Adjustable Steering Wheel - Tilt & Telescopic, ALL Season Tyres, Anti-Lock Braking, Aux/USB Input Socket, Blind Spot Monitoring, Bluetooth Connectivity, Brake Assist, Cargo Tie Down Hooks/Rings, Child Seat - Isofix Anchorage System, Child Seat Anchor Points, Chrome Exterior Door Handles, Cross Traffic Recognition, Cruise Control, Cup Holders - Front Seats, Curtain Airbags, Daytime Running Lights - LED, Digital Audio Broadcast Radio +, Driver Lumbar Support, Dual Front Airbags Package, ECO Mode, Electronic Stability Control, Emergency Brake Assist, Engine Immobiliser, Fog Lights - Front, Forward Collision Warning, Halogen Headlights, Headlights - Auto On/Off Function, Heated Front Seats, Hill Descent Control, Hill Start Assist, Intelligent Brake Control, Intelligent Ride Control, Intermittent Wipers - Rear, Intermittent Wipers - Variable, Keyless Entry & Push Start Button, Leather Accented Steering Wheel, Leather Accented Upholstery, MP3 Compatible Audio/CD Player, Multi Function Control Screen, Multi Function Display, Multi Function Steering Wheel, Power Front Seat Driver 8 WAY, Power Front Seat Passenger 4 WAY, Power Mirrors, Power Mirrors with Indicators, Rear AIR Vents, Rear Bumper Special, Rear Lights - LED, Rear Privacy Glass, Rear Spoiler, Reversing Camera, Roof Rails, Satellite Navigation, Seatbelts - Lap/Sash for All Seats, Seatbelts - Load Limiters Front Seats, Seatbelts - Pre-Tensioners Front Seats, Side Airbags, Sound System with 6 Speakers, Spare Wheel - Space Saver/Temporary, Speed Sensitive Power Steering, Split Fold Rear Seat, Traction Control System, Trip Computer, Vehicle Dynamics Control System
- Cylinders
- 4
- Engine Size
- 2500 cc
Transmission & Drivetrain
- Drive Type
- Fuel Type Description
- Petrol - Unleaded
*2 Driveaway Price reflects the manufacturer's current Recommended Retail Price including registration, GST, CTP, any dealer delivery charges, Stamp Duty (if applicable) and any other applicable statutory charges. ABN Holders may be entitled to different pricing. Premium or metallic paint may incur additional costs. Pricing may vary between dealers. Please consult your dealership on price inclusions as final pricing may differ depending on individual circumstances, location or current manufacturer offers.
$36,989*2Drive Away
- Type
- Demo Vehicle
- Engine/Fuel
- 2500 cc / Petrol - Unleaded
- Colour
- Ruby Red
- Transmission
- Constant Variable
- Body Type
- Wagon
- Kilometres
- 423
- Stock Number
- 2560992
- Registration
Osborne Park Nissan
New Vehicles Department
460 Scarborough Beach Road
Osborne Park, WA 6017
- Phone
- 08 9445 5666


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About gemma
This author has yet to write their bio.Meanwhile lets just say that we are proud gemma contributed a whooping 13 entries.
Entries by gemma
Adwords Campaign Setup Guide14th September 2018 in Adwords /by gemma
Google AdWords for Beginners13th September 2018 in Adwords /by gemma
How Adwords Works13th September 2018 in Adwords /by gemma
Avoiding Burnout as a Digital Marketer or Project Manager6th December 2017 in Personal /by gemma
plane17th October 2016 /0 Comments/in Uncategorised /by gemma
The death of Google sidebar ads – how will it affect your Adwords Costs?1st March 2016 /0 Comments/in Blog /by gemma
GOOGLE CONFIRM THAT THE REMOVAL OF SIDEBAR ADS WHICH HAS BEEN ROLLED OUT OVER THE LAST COUPLE OF WEEKS IS IN FACT PERMANENT. "We've been testing this layout for a long time, so some people might see it on a very small number of commercial queries. We'll continue to make tweaks, but this is designed for highly […]
Understanding what type of learner you are16th January 2016 /0 Comments/in Blog /by gemma
As a child I remember thinking, I can't wait until I know everything and I don't need to learn anymore. How wrong can you possibly be? Life is one long learning curve, a process that only really ends when you die which is why it's important to understand the type of learner that you are […]
Clickz Live Bangkok19th November 2015 /0 Comments/in Events /by gemma
Adding tools to enhance user experience19th November 2015 /0 Comments/in Case Studies /by gemma
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Union protesters join New Brunswick campaign trail
Wed, Sep 19: Liberal leader Brian Gallant has had some extra company on the campaign trail over the last couple days. Protesters from CUPE have been showing up at Liberal announcements to voice concerns over ambulance service in the province. Andrew Cromwell has more.


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THE ENVIRONMENTALIST, artist, and illustrator Gordon D'Arcy will officially open a new, albeit retrospective, exhibition, of the art of Joseph Quilty, a unique self-taught painter who died in 1995.
Joseph Quilty – Experimental Burren, opens tomorrow [Friday March 8] at 6pm in The Kenny Gallery, Liosbán Retail Park. This will also serve to officially launch www.josephquilty.com, a showcase of the wide variety of styles Quilty used over his lifetime, especially from the 17 years he lived and painted in Doorus, Kinvara.
"Although his true loves were the Burren and oils, Dad was always trying different styles, subjects, colour palettes and compositions," says his son Michael Quilty. "That's why we've called this show Experimental Burren. In many of his paintings, Dad worked closely with composition and form but he also liked to experiment, giving free rein to the senses, his imagination and the flow of the brush or palette knife. What you see in this exhibition is a window into that creative journey."
Joseph Quilty was born in 1914 in Limerick. He later lived in London and Dublin, and in 1978 settled in Kinvara. The exhibition runs Mondays to Saturdays, from 9am to 5pm, until Thursday April 4. See www.josephquilty.com


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The Oath Keepers say they're busy forming armed 'preparedness teams.' But what they're preparing for is pure, dystopian fantasy.
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The Oath Keepers say they're busy forming armed 'preparedness teams.' But what they're preparing for is pure, dystopian fantasy.
The Bundys of Nevada orchestrated two armed standoffs with the government. After almost two years, they finally face justice.
Antigovernment activist sentenced to 18 months in prison for building illegal ponds on public lands. Already, the movement inspired by Nevada cattle rancher Cliven Bundy is sounding alarm.
A year of extreme political rhetoric on the campaign trail approaches a milestone as several antigovernment and racist groups have announced plans to attend the Republican National Convention, including some promising to be armed.
White racist extremists reacted to the killings of five police officers during a peaceful protest in Dallas, Tex., by predicting a race war.
A remarkable level of vitriol has characterized the contest for president. And it's showing no signs of letting up.
A radical and growing organization of 'constitutional sheriffs' is promoting defiance of federal laws it doesn't like.
The case of a Montana man just convicted of felonies as part of his battle with two federal agencies is drawing attention from antigovernment extremist groups who supported the take-over of a wildlife refuge in Oregon.
In the wake of the Malheur standoff, antigovernment radicals are aiming to swell the ranks of far-right elected officials who are already promoting 'county supremacy,' but a number of them lost their elections this past week.
Since his death on January 26, 2016, Robert "LaVoy" Finicum –– the spokesman for the armed occupation that took place earlier this year at a wildlife refuge in Oregon –– has become a martyr to the antigovernment movement nationwide.


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In the coming weeks, Station Access subscribers who opt-in to receive newsletters and email updates can also look forward to something special.

We've been working on some holiday surprises and we don't want you to miss out!

If you have Station Access, be sure to visit the universal opt-in page by December 13th, 2006 and click the box that says "Check here to receive future Station e-mails with announcements of new games, contests, and more."

Happy Holidays!

You can find the page to opt-in here.

If you aren't already a member, click here to find out all the subscription benefits that come with the Station Access pass!

Click here to find some tips on how to make sure your station information is up to date!


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HP Compaq nc6320 SD Card-Reader Driver
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R Kitchen Charleston
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ORLANDO, Fla., (MarketWatch) – The long-expected influx of millennial home buyers may finally occur over the next two years, but a shortage of new entry-level homes will keep inventory tight and.
The National Association of exclusive buyer agents (NAEBA) is a professional organization of real estate buyer agents and buyer brokers who only represent home buyers. Members of NAEBA do not accept listings, advertise properties for sale or represent sellers at any time.
LendingTree Ranks Best Cities for First-Time Homebuyers.. home, and it's in a community that has a homeowners association, or HOA.
These first time home buyer programs in Missouri make purchasing your. the same benefits and perks as a regular Veterans Association loan,
According to the National Association of Realtors' 2017 Home Buyer and Seller Generational Trends report, first-time buyers.
Advice on buying a home, for first-time home buyers and current homeowners. Here's how to find your dream home, make an offer and close on the deal.
WASHINGTON (Reuters) – U.S home sales fell more than expected. viewed as a healthy balance between supply and demand..
The Starter Home scheme is a new government plan, where 200,000 new build homes are available to first-time buyers under 40 years old with at least 20% off the market price. The discounted price for these homes should be priced no more than 250,000 outside London, and 450,000 in London.
Best Home Loan Banks Citi Mortgage is related to Citibank, one of the largest banks in the United States. Because Citi is so big, they offer mortgage options for nearly anyone who qualifies. That doesn't mean everyone will qualify, but if you do qualify for the FHA or VA loan programs, you have a good chance of approval from Citi Mortgage.National Mortgage Field Services Best Mortgage To Get · To qualify for an FHA-backed mortgage, you'll need a credit score of at least 580, though minimum score requirements will vary by lender. On the plus side, you'll only need a down payment of 3.5% of the home's purchase price. Not every bank or lender.Home – National Association of Mortgage Field Services – Become a Member Advertise with NAMFS namfs education opportunity post Uniting the mortgage field services industry Founded in 1988, The National Association of Mortgage Field Services was created to provide its membership with a voice to all parties within the Industry. Members.
Traditionally, about 30 percent of buyers of newly built homes are first-time buyers, says Robert Dietz, chief economist for the National Association of Home Builders. "In recent years, that percentage has decreased to a little under 20 percent, mostly because after the recession, new construction was mostly focused on wealthier move-up.
If you've answered "Yes!" to any of the above questions, then you could benefit from the National Home Buyer's Alliance (NHBA) program. NHBA specializes in home ownership for the credit-challenged as well as those who don't have enough money for their down payment and closing costs.
The SDHC First-Time Homebuyer Program* can assist with the purchase of a single-family home, townhome or condominium in the City of San Diego.
Home Buyer News & Insights. Download the First Time home buyer buyers guide; 5 Things Every First-Time Home Buyer Needs to Know; Home Buyers Reveal: 'What I Wish I Had Known Before Buying My First.


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The June Oven promises features like remote preheating on demand, but some users are reporting ovens can turn on by themselves overnight. The company insists this is user error.
Nike's new self-lacing Adapt BB sneakers are being bricked by bad firmware updates and an Android software problem that leaves users connected to just one shoe. Nope. Not making this up. I just wish I was.
Google announced the nebulous Android Things platform several years ago to power various smart devices as part of the so-called Internet of Things (IoT). Now, Google says it's rethinking the scale of Android Things.
Researchers at the University of Michigan have built a computer dwarfed by a single grain of rice.
Apple's new HomePod may offer excellent sound quality, but only if you use a handful of extremely limited services. Also, it stains countertops, possibly permanently.
If you've had Wi-Fi problems since hooking up a Google smart speaker or Chromecast, it may not be your router or internet that's to blame.
Logitech has reversed itself and will now offer a free Harmony Hub to every Harmony Link customer. This is a much better resolution to the issue, but it doesn't address the underlying problem with 'renting' hardware.
Logitech is killing its Harmony Link hardware, but don't worry–you can always buy a new Logitech Hub if you enjoy having your hardware turned off in a few more years.
A Dutch woman bought a webcam to keep an eye on her puppy while at work. She found the camera watching–and speaking–to her instead.
Over the past 15 years, Sonos has made a name for itself as a high-end provider of excellent sound solutions. The company is risking that reputation by forcing its customers to agree to its new privacy agreement or potentially lose hardware functionality.
Smart lock company Lockstate mistakenly sent a firmware update out to a set of "smart locks" that should never have received it, bricking the devices in the process. Expected replacement time? Between 5 – 18 days.
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We strongly encourage you to read our updated PRIVACY POLICY and COOKIE POLICY.


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Take part in the Environmental Education Program (EEP)
Registration is open for the EEP at Luiz Antônio and Mogi Guaçu for the 2nd semester of 2017
The Environmental Education Program is aimed at working with some of the myths about Pulp and Paper production. A maximum of 60 students are allowed during each visit, where they learn more about IP and take part in fun games geared towards teaching them to respect plant and animal life.
Last year, activities covered the production process and environmental conservation initiatives, involving a total of 3,161 people.
This year, the EEP is aimed at raising awareness in the academic community about crops and the manufacture of pulp and paper, offering a reflection on the sustainability of the production process. Paper produced by IP follows the strictest environmental certification standards, which require sustainable management of planted forests in order to preserve hectares of active forest.
The program, which started in 1993, seeks to supplement the environmental education provided in schools, with its target audience being teachers and students at the elementary and middle school levels.
Visits take place weekly at the following International Paper units:
Mogi Guaçu Unit
Location: Horto Mogi (Rodovia SP 340, Km 171 – Mogi Guaçu/SP)
Days: Every Monday and Tuesday
Times: From 8 AM to 12 PM or from 1 PM to 5 PM.
To schedule a visit, contract Tomás Fernandes or Maitê Silva.
(19) 3861-8955 and (19) 3861-8311
E-mail: email@example.com and firstname.lastname@example.com
Luiz Antônio Unit
Location: Environmental Education Center (Rodovia SP 255, Km 41.2 – Estrada Ribeirão Preto-Araraquara)
Days: Every Wednesday
Times: From 8 AM to 11 AM or from 1 PM to 4PM.
To schedule a visit, contact Júlia Valadares or Sabrina Tenello.
(16) 3986-9076 and (16) 3986-9076
E-mail: firstname.lastname@example.com and email@example.com
Este post também está disponível em: Portuguese (Brazil)


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Ctenochromis polli and C. luluae
Posted: Thu Dec 26, 2013 8:44 pm
In the January 2014 issue of Cichlid News Magazine, on pages 22 through 24, there is an article by Lucanus entitled, " Three Unusual Cichlids". What he is referring to as Ctenochromis luluae (in the accompanying photos) appears to actually be C. polli. Any thoughts on this observation? The author says it could be C. luluae, but why not be more precise? The indication from the opening paragraph indicates that it had never before been imported. The C. polli depicted in his article has been imported irregularly for well over 20 years and counting.
Please see the formal scientific line drawing of C. luluae on this site.
Please see the formal scientific line drawing of C. luluae on this site.


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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Hui Liu <h...@opentext.com>
|Questions regarding re-index when using Solr as a data source
|Thu, 09 Jun 2016 15:50:11 GMT
Hi, We are porting an application currently hosted in Oracle 11g to Solr Cloud 6.x, i.e we plan to migrate all tables in Oracle as collections in Solr, index them, and build search tools on top of this; the goal is we won't be using Oracle at all after this has been implemented; every fields in Solr will have 'stored=true' and selectively a subset of searchable fields will have 'indexed=true'; the question is what steps we should follow if we need to re-index a collection after making some schema changes - mostly we only add new fields to store, or make a non-indexed field as indexed, we normally do not delete or rename any existing fields; according to this url: https://wiki.apache.org/solr/HowToReindex it seems we need to setup a 'intermediate' Solr1 to only store the data themselves without any indexing, then have another Solr2 setup to store the indexed data, and in case of re-index, just delete all the documents in Solr2 for the collection and re-import data from Solr1 into Solr2 using SolrEntityProcessor (from dataimport handler)? Is this still the recommended approach? I can see the downside of this approach is if we have tremendous amount of data for a collection (some of our collection could have several billions of documents), re-import it from Solr1 to Solr2 may take a few hours or even days, and during this time, users cannot query the data, is there any better way to do this and avoid this type of down time? Any feedback is appreciated! Regards, Hui Liu Opentext, Inc.
|View raw message


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How to: Make DIY Instagram Coasters with Your Own Photos
This holiday season, I wanted to give my friends and family a customized gift with some personality. So, using nothing but our own photos and a few crafty tools, I came up with this coaster project which is super fun, super inexpensive, plenty easy, and you can dial it in perfectly for each person on your list - just raid their Instagram or social media accounts!
Let's get to it!
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Father's Day Idea: DIY Leather Coaster Gift Kit
Giving a handmade gift is always better than a mass manufactured one. Whether you make it yourself or support a local artisan, craftsman or favorite Etsy shop, giving something that can't be found in a big box store not only shares an element of care, but of legit surprise.
But do you know what we love even more than giving something handmade? Empowering the recipient to make something themselves. So, this Father's Day, give the gift of DIY with this simple and stylish leather coaster gift kit.
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How to: Make Stackable Wooden Tree Limb Coasters
A tree branch slice coaster is a wonder of simplicity: it's rustic, it's organic, it's functional, and adds some outdoor style to your coffee table. And they're easy to make, costing you much less than buying a set; you just gotta know what you're doing.
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Pick Your Poison Coasters
Designer Ross Moody of 55 Hi's, who last year brought us the birthday card that turns into a shot glass, now shares this cool typographic coaster set dubbed "Pick Your Poison."
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How to: Make Your Own Typographic Scrabble Tile Coasters
Head to any thrift store or charity shop, and I guarantee you'll find an old worn out Scrabble game. Likely, it'll be complete with the board, but it's doubtful all the tiles will be present. Also likely? It'll be something like 91¢, which means you should totally get it and make something out of it!
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How To: Make Recycled, Mod Coasters from Cereal Boxes
I really like stuff that's made out of other stuff. Especially when it's super mod, sharp-looking stuff that are immediately practical and made from other stuff that I always have on hand.
That's the best stuff.


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|Output (Sensitivity)
|0.2 mV per µmol m-2 s-1, 0.61 mV per W m-2
|0.1 W m-2
|Calibration Factor (Reciprocal of Output)
|5 µmol m-2 s-1 per mV, 1.65 W-2 per mV
|Custom for each sensor and stored in firmware
|Calibration Uncertainty
|± 10 %
|± 10 %
|Current Draw
|61 mA (when logging)
|Measurement Repeatability
|Less than 1 %
|Less than 1 %
|Long-term Drift (Non-stability)
|Less than 3 % per year
|Less than 3 % per year
|Less than 1 % (up to 300 µmol m-2 s-1)
|Less than 1 % (up to 300 µmol m-2 s-1)
|Response Time
|Less than 1 ms
|Software updates every second
|Field of View
|Spectral Range
|250 to 400 nm
|250 to 400 nm
|Directional (Cosine) Response
|± 10 % at 75° zenith angle
|± 10 % at 75° zenith angle
|Temperature Response
|Approximately 0.1 % per C
|Approximately 0.1 % per C
|Operating Environment
|-40 to 70 C, 0 to 100 % relative humidity
|-40 to 70 C, 0 to 100 % relative humidity
|Mass (with 5 m of cable)
|75 g
|90 g
Ultraviolet (UV) radiation constitutes a portion of the electromagnetic spectrum from 100 to 400 nm, and is further subdivided into three wavelength ranges: UV-A (315 to 400 nm), UV-B (280 to 315 nm) and UV-C (100 to 280 nm). Much of the UV-B and all of the UV-C wavelengths from the sun are absorbed by the Earth's atmosphere. There are also many artificial UV light sources available that output a select wavelength range or offer a broadband UV radiation source.
Most UV sensors designed for sunlight measurements are sensitive to UV radiation in the UV-A and UV-B ranges. Apogee Instruments UV Sensors detect UV radiation from 250 to 400 nm and are calibrated in photon flux units of micromoles per square meter per second (µmol m-2 s-1). The output can also be expressed in energy flux units of watts per square meter (W m-2, equal to Joules per second per square meter).
Applications include:
• UV radiation measurement in outdoor environments (sensor is not recommended for long-term continuous outdoor deployment)
• Laboratory use with artificial light sources (e.g., germicidal lamps)
• Monitoring the filtering ability and stability of various materials
If you would like to share your application of this product, please click here
Apogee Meter Tips and Troubleshooting
Effects of Enhanced Ultraviolet-B Radiation and Antioxidative-type Plant Growth Regulators on Rice Leaf Photosynthetic Rate, Photochemistry, and Physiiology
Global SunFarm Data Acquisition Network, Energy, CRADLE, and Time Series Analysis
Understanding Litter Decompositiion in Semiarid Ecosystems: Linking Leaf Traits, UV Exposure and Rainfall Variability
Field-grown Grapevine Berries Use Cartenoids and the Associated Xanthopyll Cycles to Acclimate to UV Exposure Differentially in High and Low Light Conditions
ClimaTological Characteristics in the Extreme Hyper-arid Region of Pampas de La Joya, Peru. Astrobiological approach in four years of observation: 2004-2008
The Effect of Increasing Grain Size in Biosand Water Filters in Combination with Ultraviolet Disinfection
Atmospheric Corrosion of Silver in Outdoor Environments and Modified Accelerated Corrosion Chambers
Photochemical Bleaching of Fluorescent Dissolved Organic Matter in the Subtropical North Pacific Ocean
Time-Dependent Environmental Degradation of Polymeric Fabrics


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Introduce little ones to their first colors in this bold board book by the wonderfully talented illustrator team Hannah + Holly.In this striking board book, children will be introduced to Hannah + Holly's classic and distinctive images accompanied by all the colors in their world! Embossed throughout, children will love tracing their fingers over the raised surfaces as they learn to identify colors. With adorable illustrations such as purple plums, pink flamingos, and brown guitars, this book will delight any child.
Hannah and Holly are a design duo based in Hackney, London. Their playful and visually engaging artwork is inspired by ideas and information. They have illustrated for clients including Google, Microsoft Research and Cambridge University.
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No Experience Necessary
The Oil Painting Alphonse Mucha – Job Pillowcover Of ,16 X 16 Inches / 40 By 40 Cm Decoration,gift For Car,couples,study Room,indoor,kids Girls,home (two Sides)
- Modern design will instantly give you a refreshing look
- Made of durable cotton linen cloth material
- Machine washashable,no stimulation,soft and comfortable
- Pillow cover only (not included pillow inner)
- They can be used as cushion, pillow, or purely as a plush toy to express yourself
The pillow case is made of thick plush which is extremely soft and comfortable, and will help you have a good rest.
Price: $ 6.01
Take back your privacy!
Are you currently Unemployed?
Learn insider tips to landing a Federal Job
How to Land a Top-Paying Federal Job


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St. Ambrose Cellars
Cherry Amoré
St. Ambrose Cellars Cherry Amoré (12.0% alcohol by volume) is a pyment (blend of fermented grapes and mead) made with 38% honey, 36% grapes and 26% cherries. It is a still, standard strength, semi-sweet mead. Honey and cherries dominate the aroma with lighter presence of grapes and a medium vinous quality. The aromatics are fresh and clean. It pours brilliant light cherry red with a well defined meniscus, good reflectance, a trace of legs and no observable particulates. A mildly sweet honey flavor introduces the mead with cherries quickly showing up. The grape and wine character are there but less pronounced at medium low levels. There are low to medium low levels of tartness and a light astringent touch on the finish to dry things out slightly. The alcohol is mildly warming, smooth and not hot. The mead has elegant wine-like qualities, a medium body and a natural fruit based acidity. The various parts work very well together. This is a very pleasant, complex, layered and flavorful mead. I rat it 88.
St. Ambrose Cellars


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NELLIS AIR FORCE BASE, Nev. — The 99th Medical Group based at Mike O'Callaghan Medical Center here successfully completed its first set of orthopedic spine surgeries after bringing two specialized surgeons to the unit.
As one of the more limited Air Force Medical Service specialties, orthopedic spine surgery has only three qualified surgeons in the entire Air Force, two of whom are now on the team at the medical center here.
Air Force Col. (Dr.) Edward Anderson and Air Force Maj. (Dr.) Bryan Lawson, 99th MDG orthopedic spine surgeons, bring a combined nearly three decades of surgical experience to the operating table. Their goal is to increase capabilities inside the hospital as well as increase individual deployment readiness.
"We understood that we had a significant amount of spine surgery cases that were being referred to physicians downtown," said Air Force Col. (Dr.) Kim Pietszak, 99th MDG medical staff chief. "After doing the math, it became pretty apparent to us that we should be providing this care inside of our facility and could do it for less cost to the government."
Increasing Medical Readiness
Pietszak said the benefits of performing complex surgeries in the orthopedic spine clinic go far beyond the operating room because each surgery requires a great deal of preparation.
Prepping those patients increases everyone's medical readiness, she explained, with the nurses admitting the patients, the technicians doing lab work and everyone else involved in the process soaking up the knowledge from their environment.
Pietszak said this clinic is a big win for the Air Force and for Nellis. Not only will the care providers be able to take care of the Airmen in their facility, she added, but now they are able to monitor them closer and better gauge when they are able to return to work, improving the Airmen and their readiness.
Both Lawson and Anderson are optimistic for the future of orthopedic spine surgery at Nellis.
"I think we have to start with procedures that are fairly straightforward," Lawson said. "But the goal is to provide the full complement of spine care here."
"When you're setting up a complex spine program, you want to grow this in a deliberate way in order to continue to deliver safe care," Anderson said.
"The reality of it is that we get to a point where we're in such a specialized field that who I needed wasn't just another surgeon," Anderson added. "They told me they needed complex spine surgery done here. I told them I needed Dr. Lawson because it's a team sport – you can't do it alone."
Lawson and Anderson have known each other for nearly a decade, and their complementary work ethics are key for Nellis to enhance the 99th MDG's readiness as a unit.
Having a Good Team
"Half the battle when performing surgery is having a good team," Lawson said. "There's so much the institution is capable of providing, but what can almost dwarf all of that is when you're starting to build a team and how the interaction with your colleagues is. Thankfully, it's something that has already been sorted out for Dr. Anderson and I over a course of years from working together."
This also gives other orthopedic surgeons here, who aren't traditionally spine surgeons, the ability to scrub-in, or assist, on a spine case and learn some of the skill sets from Anderson and Lawson.
"Setting up spine surgery here doesn't have anything to do with our surgical readiness, because when we deploy, we deploy as general orthopedic surgeons – not spine surgeons," Anderson said." Maintaining our Airmen's readiness all has to do with what follows on with our service line. It keeps the nurses on their toes in the intensive care unit and the technicians trained in the lab, among many other roles that are played to keep a hospital running."
Disclaimer: Re-published content may have been edited for length and clarity. Read original post.
The most important outcome for us is a medically ready force
Merger of all hospitals and clinics to DHA a key step
McCaffery statements made during the 2019 annual meeting of AMSUS
Markets will manage hospital and clinic needs within a geographic region
'New reality' includes tight synchronization, expanding partnerships
The clinic also has a joint DoD – VA partnership
The readiness of the Navy Medicine team is paramount to combat survival in the future
This event showcased the collaboration amongst the tri-service general surgeons
The ACS National Surgical Quality Improvement Program recognized Keesler Medical Center
An award-winning team of nurses successfully implemented a treatment guide at Naval Medical Center San Diego that improves labor and delivery outcomes
H.R. 2998 HAC Milcon for FY 2018 115-188 Pg. 27-28
H.R. 5516, NDAA for FY 2019, Section 711(c) (Defense Health Command)
There is an opportunity to bring real change to how the military handles combat trauma care
Army nurse supports Navy hospital
The software was able to correctly identify 95% of malignant skin tumors
DHA Address: 7700 Arlington Boulevard | Suite 5101 | Falls Church, VA | 22042-5101
The appearance of hyperlinks does not constitute endorsement by the Defense Health Agency of non-U.S. Government sites or the information, products, or services contained therein. Although the Defense Health Agency may or may not use these sites as additional distribution channels for Department of Defense information, it does not exercise editorial control over all of the information that you may find at these locations. Such links are provided consistent with the stated purpose of this website.


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Sew Cute by nichole
Easter Bunny Event 2018
Connect with Nichole
Thursday, February 22, 2018
On March 2nd
25 Easter Bunnies will go live to immediate purchase and shipping.
to sign up to receive a special coupon code to receive a great deal on these bunnies!
Each bunny has been made an individual
Only ONE of each style!
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Thursday, January 18, 2018
Keeping God in my Business
Being a small business owner brings a lot of joy and triumph. But also a fair amount for stress and discouragement.
Trust me, I know all about it! I started my business because I heard God call me to it. He called me to use my talents when I struggled to put food on the table.
The joy that came with this small venture brought so much balance to my life. I was rewarded by both a paid grocery bill every month as well as being creative and challenged in creativity.
As I began to dream big and imagine quitting my day job and just doing this full time and how amazing that would be. I outlined what my brick and mortar store would look like and what kind of store space I would have to show off all of the amazing work I was doing.
I imagined having a huge Instagram following of devoted fans who couldn't wait for the next release event. I imagined being featured on the front page of Etsy, or in a makers magazine.
For 7 years I pushed myself into late nights and long weekends to grow my business so that I could reach a little bit closer and closer to that dream. As crazy as it gets during the high season, I love every minute of it. But the slow season brings uncertainty and doubt. In those moments I would push harder, read more books, listen to more podcasts and desperately look for my customers.
At the beginning of my 7th year a friend of mine asked how my business was doing, and I said "It's doing okay, but…..
I know God called me to this, but I'm struggling to find the traction I need to step it up to the next level."
It was true. I just kept telling myself that if God called me to it, He will bring me through it. But truthfully, my inner thought kept saying "what on Earth could this business be doing to glorify him in any way.
Really, what are these late nights doing for Him, what is the long weekends working
doing for Him anyway?"
I brought this though to the ladies in my Sabbath School class. While they all had lovely responses to my talent and my grit and how people just love my product, that might just need to be enough. One person suggested that I get a little bit more literal with how I am sharing God through my business.
We brainstormed those ideas. Someone had suggested using Glow Tracts (literature on specific biblical topics that are small enough to fit into a wallet).
I ordered 100 glow tracts.
That little bundle of literature came to my studio, and I just looked at it. For a brief thought I had that fear that many of Christians have when it comes to mixing Faith and Business. What if my customers are offended by this? What if they open the box to find the gift they ordered from me, and hate the fact that I put God in that box too?
What if I lose prospective return customers over this? Who is going to read these anyway? They are all going to get thrown away. This is such waste of time!
We all think that from time to time. Us Christians. We think, why should I subject myself to dislike from the very people I need to purchase my product so I can feed my family?
"Have I not commanded you? Be strong and courageous. Do not be afraid; do not be discouraged, for the Lord your God will be with you where ever you go."
Joshua 1:9
That doubt, that is the voice of the evil one. That is the voice of the one who hates God to win!
WHY on Earth should I be ashamed of the very business that God set me to start?
Instead of walking away I took that little bundle of literature in my hands and I prayed
"Lord, send these to those who have asked for a sign. Send these to someone who is searching but not seeking. Put these tracts in the hands of those who need it."
If I send out 100 pieces of literature, and 99 of them get thrown into the trash but 1 brings someone to the Lord…how can I NOT send them out? The nature of my business allows me to send boxes all over the world. I have sent the Word of God all around the world without ever leaving my home town.
THAT is amazing. I will probably never know if any of those Glow Tracts have changed a life in any way, but I trust that the Lord is sending them those who need it.
It's been 12 months since I sent out the first one.
Since that time,
I have joined a very profitable Saturday market, I was accepted as a vendor in an Art in the Park festival, my sales increased by 60%, and I have connected with several customers on a personal level that benefit us both greatly.
I finally feel like I am gaining that traction I need to push my business to the next level.
God called me to this path. I got sidetracked a bit with my own dreams and ambitions. I forgot that He called me to this for a reason, and that reason is not so that I can become rich and famous.
I still don't really know how He wants me to bring the word to the world with my little home business.
But He DID call me, and I MUST answer.
God calls us to be happy. He calls us to be delighted in his blessings.
"Delight yourself in the Lord and he will give you the desires of your heart" Psalm 37:4
I am delighted in my gifts. Being creative every day is what wakes me soul and makes it sing. I am excited in my journey, still 8 years later. Still during those busy seasons with long and nights and during the slow seasons when I have time for family movie night. I am energized and delighted at all times because I know that God has the plan. I just have to keep making.
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Wednesday, January 17, 2018
Intentional : Part 2
Hello again - its that 12:30 lunch hour. I just have a few short minutes before I go back to that day job. But I've been thinking about the intentional gratitude that I talked about yesterday, and I want to add to it.
Being grateful for things and expressing gratefulness are two different things. I am grateful that my husband has a job, he doesn't love it, but his paycheck every other week pays the bills that allow us to live in this home. Yes, I expect him to get up every morning and go to work. He expects himself to get up every morning and get the job done so he can get that paycheck. He is grateful to have the paycheck, even if he doesn't love the job.
At the end of the work day, we each come home, the kids are home from school. We prepare dinner, Ayden sets the table. We sit at the dinner table with no electronics - phones are not allowed at dinner in our house. Before anyone touches the food we join hands and have blessing. In our house we each take turns with blessing (so every third night is my turn). As a family, we give thanks for the small things. "Thank you that You brought us all home tonight, we are thankful to have this home, to have our jobs and to have food on the table" . This practice of saying blessing every night reminds each of us that we ARE thankful for day jobs, even if we are working toward something more.
We are INTENTIONALLY setting a time each evening that we, as a family, express gratitude.
Thinking about this all morning has inspired me to pick up a blank journal. I want my family to step it up a bit and not only record what we are grateful for, but practice praying for others during this time.
Same time tomorrow? I want to talk about this some more.
Have a great day!
"As for me and my house, we will serve the Lord" Joshua 24:15
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Tuesday, January 16, 2018
Word of the Year: Intentional : part 1
The entire small business world is using the word "intentional" in everything from blogs to podcasts. "Intentional goal setting" "Intentional habit forming""Be intentional with your business"
What does that mean?! Over the last few months our family has decided to make some real changes. We bought the house, we set an "intentional budget plan" to pay of some debt and build up the savings account. We started a new company (
Three Dog Soap
). We really looked at what it would take our two businesses to make so that I can work from home full time. We decided that the time to have a baby is soon. So we made an "intentional work schedule" and time line to make this happen.
I can keep throwing around this word, but what can make it stick. Come have lunch with me. While I sip this green smoothie shake (because I am intentionally losing 30 pounds) and I'll share with you how this word got started in my life.
I have the privilege to be married to a man who practices intentional gratitude. This is something that we have adopted in our home since we got married in 2016.
For years I was the head of the house. During my first marriage I did everything to run the home. Just like most homes, I just did it because I had to. There was no really thanks in it..it just needed to get done. I started my home business in 2010 our of necessity of losing my full time job, and I worked hard late evenings and long weekends to keep this work going and bringing in money to put food on the table. I didn't do it for thanks, I did it so we could eat.
After Ross and I got married I still worked hard every night, long weekends and every minute I could spare - because we have big dreams.
One night, when I drug myself to bed late he gave me a hug and said "Thank you for working so hard for this family". I didn't even know what to say. I seriously just hugged him back and didn't say a word. That seemed so weird to me. Nobody has ever thanked me for doing what I do...it just needed to be done. Throughout the first few months of our marriage I noticed that he would always sincerely thank me for dinners made, shopping done and work finished. Not just a quick "thanks" but a time out, sincere "thank you for what you do for us".
It made me realize that he had a respect for me as his partner. And it feels good to have other people be grateful for the hard work I put in. I've adopted this practice in return, not just to him but to our son Ayden as well. Sure I don't give him the option to help with dishes - but when he does I give hime a hug and say "thank you for helping, I appreciate it". When he does his homework on his own without nagging all night I say "thank you for getting your work done, lets play a game". Even tho these are things he should be doing anyway, letting him know that it is appreciated when he just gets it done helps him to make the decision to just get it done every time.
My lunch hour is up, it's back to the day job for me. If you would like, we can have lunch again in a few days? I would love to share with you how we have made other "intentional" plans in our home!
Have a great day!
As for me and my house, we will serve the Lord. Joshua 24:15
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Peres. 'Talk without an agreement'
Photo: Yaron Brener
Yishai. 'Most ethical'
Photo: Sasson Tiram
Where do we go from here? This is the question State officials are now facing, after it has become clear that following another operation – and another tragedy – the Qassam fire won't stop, while innocent civilians are paying the price on both sides.
Meanwhile, Israel is also paying a heavy diplomatic price. The ambassador in Paris, for instance, was already summoned for a clarification meeting.
Vice Premier Shimon Peres believes that now, of all times, Israel must try and reach an agreement – and not by itself. We cannot talk with Hamas, he tells Ynet, therefore we must operate indirectly – through the Quartet and Egypt.
Image Battle
Roee Mendel
Shelling in Beit Hanoun deals hefty blow to Israel's already struggling image, so how does one win war on minds and perhaps more importantly – hearts? Media expert Dr. Ra'anan Gissin and former ambassador Zvi Mazel weigh in
"We have to see how to turn Gaza from a battlefield into a field of negotiations," Minister Peres said Thursday during a speech delivered at an exports convention in Tel Aviv.
"We have to see how to create a dialogue between the parties also without an agreement," he added.
"We have to create a situation in which people can live in Gaza," Peres said. "We have to make sure that they have water and employment. The Egyptians expressed their willingness to help with this, and we have to get them deeper into negotiations.
"We cannot just settle for fire. We have to broadly integrate Abu Mazen (Palestinian President Mahmoud Abbas) and the world, in order to reach a situation in which people can live on both sides of the border," Peres concluded.
Yishai: Use firm hand against HamasIndustry, Trade and Labor Minister Eliyahu Yishai said Wednesday that he does not reject "a humanitarian dialogue" with Abbas, but that "we are committed to continue working in order to defend the citizens of the State of Israel."
"The IDF is the world's most ethical army," Yishai told Ynet. "We are exerting tremendous efforts for this not to happen."
"It is Hamas, however, which does not let go and fires in order to hurt innocents. They don't care that Israel has already implemented the disengagement and is not in the Gaza Strip anymore.
"I certainly hope the world will also condemn the Qassam fire. I am in favor of aiding the innocent population, but on the other hand, we must use a very firm hand against Hamas," the minister added.
See all talkbacks "Peres: Turn Gaza into field of negotiations "


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Property Description
Very well located, the Rayon De Soleil is a mere 2 minute walk from the piste and lift. The chalet is also central, offering easy access to the vast choice of bars and shops the resort has to offer.
The focal point to the chalet is the spacious open plan living/dining area with plush furnishings throughout. A lovely environment in which to relax after a day exploring the vast 3 valley ski area.
All bar one of the rooms have their own private bathrooms, there is the added flexibility of an extra bunk room for whole chalet bookings too.
Resort Statistics
Altitude: 2300m
Longest Piste: 8km
Highest Ski Lift: 3230m
Total Lifts: 198
Total Piste : 600km
Price List 2019-20
A small resort tax supplement is payable per adult on arrival in resort
Chalet Rayon de Soleil
No prices available
Room 1 = twin with private shower and WC (not en suite)
Room 2 = double with bath, WC and private balcony
Read Less
First floor:
Room 3 = bunk beds - only for use with whole chalet bookings (share facilities with another room)
open-plan living/dining room
Second floor:
Room 4 = twin with shower
Room 5 = twin with shower and private balcony
separate WC
Chalet staff live out.
Room Supplements
Room 2 add £5 pp/pn
Room 3 deduct £7 pp/pn for adults and for children aged 2-11 yrs they pay half the adult full price
Features IncludedWIFI
· 7 days of continental breakfast, with hot options provided by our hosts on 6 mornings.
· 6 days of homemade afternoon tea and cake
· 6 days of aperitifs
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Other supplements may apply.


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Ute smashed in single vehicle accident on Seven Mile Beach
A man in his 30s has been taken to hospital after a car accident on Seven Mile Beach this morning, according to NSW Police.
Officer in charge of Nowra police station, Inspector Ray Stynes, said the accident happened in the early hours of Friday, June 7.
"The driver of a MItsubishi Triton ute accessed the beach, and was driving on the beach," Insp Stynes said.
"For some reason, the ute has rolled twice. The driver was thrown from his vehicle.
"The passenger [a man believed to be in his 40s] managed to get out of the car and went to get help.
"He became disoriented and returned to the beach."
Two crews RFS crews, Shoalhaven Heads and Broughtonvale, attended, as well as five ambulance crews.
A NSW Ambulance spokesperson said both men were taken to Wollongong Hospital.
The spokesperson said the passenger in his 40s had only minor injuries. She said the driver was in a serious but stable condition, with chest pain and possible spinal injuries.
Insp Stynes said it was not legal to drive on Seven Mile Beach.
"Investigations are continuing and the appropriate legal action will be taken at a later date," he said.


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In a turn of events we didn't see coming, Kensington Palace has made an official statement on the rumours that a feud exists between new sisters-in-law Meghan Markle and Kate Middleton. The Palace's official stance is that the Duchess of Sussex and the Duchess of Cambridge are bffs 4 evah, but the fact that they made a statement is a bit…odd. We're not saying there is a feud, but we're pretty sure that even if Meghan and Kate were hurling 500-year-old family heirlooms at one another every time they were in the same room, the Palace wouldn't say that either.
The rumours of friction between the pair started with a dress fitting for Meghan's wedding to Prince Harry. According to The Sun, Princess Charlotte's dress fitting 'left Kate in tears.' This fitting took place just after Kate had delivered Prince Louis, which means her being in tears shouldn't be that shocking. Hormones are no joke. But it's more fun to blame Meghan, right?
There's nothing the press likes more than pitting two women against one another and Meghan is an easy villain. She doesn't look like the other royals. She's a divorcee. She's American. She's an actor. She's has opinions. The horror!
The Sun is also reporting that Kate chastised Meghan after the ex-actor was 'rude to staff.' This incident seemed to be the last straw, with the Palace issuing a retort that, "This never happened." The Palace does not mess around when it comes to the matter of manners.
It's not much of a statement, but the fact that the rumour was addressed in any way is quite telling.
The recent news about Harry and Meghan deciding to relocate to Frogmore House is only adding more fuel to the feud rumours, as if everyone who likes the in-laws should live down the street from them.
Meghan and Kate aren't wearing matching friendship bracelets and posing for photo ops every other day, so they must hate one another, right? Or, it could be that they're two women who have stuff to do (raise families, travel the world, deal with husbands who are probably high maintenance) and don't have time to convince the press that they're the Banger Sisters. Meghan's close, CHOSEN friend Priyanka Chopra got married this past weekend and Meghan wasn't able to attend the festivities, yet no one is chalking up her absence to a feud. But a lack of photos between Meghan and Kate has the UK choosing sides like it's Brexit 2.0.
There are a few ways to look at the Palace's decision to get involved. It may have come at the prompting of Prince Harry, who previously broke tradition when he and Meghan were dating to issue an official statement telling the press to back off Markle. He phrased it more eloquently, but it was the royal version of a drunken boyfriend shouting that he was going to fight everyone in the bar.
The other person who may have called for the announcement was the Queen. Markle has been inundated with negative press since day one, first with racist headlines from the British press, then with the seemingly never-ending 'exclusive' interviews with her extended family. The Queen couldn't do much to control those two situations, but a rumour about Kate and Meghan, who we know the Queen is fond of, is a narrative she could attempt to guide. With a baby on the way, we're happy to see that the Palace is taking some steps to reduce stress for Meghan.