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If you owned 18 valuable properties consisting of gold, silver, copper, lithium and rare earths, in various locations in North America, South America and Europe, you might have a problem explaining to shareholders and potentioal shareholders, just how much value is stored up in those properties. Frustration could set in for both you, and your shareholders.
That is the position TNR Gold (TNR-v) finds itself at this writing. Management has spent the past few years acquiring some very promising properties, and is now struggling to release the value inherant in owning a fairly large number of various resource discoveries under only one banner.
That is why TNR intends very soon, to spinout their wholly owned subsidiary, International Lithium Corp (ILC) to release the value of their lithium properties to shareholders. It has been a trying year for TNR up to this point as they have missed several dates for this highly anticipated spinoff of ILC. After all, this deal was supposed to occur in Q1 2010 (one year ago) as is shown in their promotional material. Investors have become somewhat frustrated (this investor included) by a company that has so much intrinsic value stored up in resource plays, at a time when resources are the name of the investment game.
Currently TNR,s many assets are distributed as such:
1. International Lithium Corp. - 100% subsidiary of TNR Gold.
2. Ameri Gold - 100% subsidiary of TNR Gold - Shotgun Gold deposit in Alaska with 1 mil AU Oz historical (NON 43-101) resource.
3. REE portfolio in Ontario, Canada - early stage exploration.
4. TNR Gold assets in Argentina, (8) including 25% back-in right into Northern Part of Los Azules Copper project under litigation now.
I am told by a company spokesman that their first priority is the spinnoff of International Lithium, of which TNR shareholders will individually share in. For every 4 shares of TNR held, shareholders will receive 1 share and 1 warrant (convertable to shares) of International Lithium Corp. This alone will unlock much pent up value in this conglomorate of resource properties.
Their second priority is the spinnoff of Amerigold Corp, as a developer of their gold properties in Alaska.
Strategic partnerships may also be in the works in the months ahead for these two new entities, and that may well be what the hold-up is. Whatever the case, it is time for TNR management to get on with it.
I recently corresponded with TNR's "Non-Executive" chairman and largest shareholder, Kirill Klip who advised me the company is working hard toward the spinoff of International Lithium this spring, which he feels will release much pent up value in the shares of TNR Gold. You can find Mr Klip at Linkedin.
The current valuation of $19 Million for TNR Gold is laughable if you consider their holdings could be sold off at easily 3 times that multiple and probably more. There is so much hidden, pent up value in TNR shares right now that, strategic investors should be chomping at the bit to acquire some of these properties.
If these events occur, or even one of them by summer 2011, then long suffering shareholders should be rewarded handsomely for their patience. I plan on being one of them as I have held shares for the past year, and I bought more in early March.
TNR Gold Corp has early to mid-stage exploration assets, with 18 active projects held as three
groups: Argentina gold-copper; lithium and rare metal projects; and Alaskan gold. A TSX spin-out of the Li-REM projects, as International Lithium Corp, is in progress.
The Alaskan projects could follow Lithium-REM projects and corporate spin-off: TNR has nine early stage lithium brine and hard-rock lithium /rare metal projects, commodities that are used in high-tech applications (e.g. batteries and magnets), and havea growing market in the automotive industry as it moves towards the production of electric vehicles.
TNR plans that these assets will be spun off on the TSX.V as International Lithium Corp (ILC), now anticipated in 2011. The parent company and shareholders should retain ~87% of ILC, and there will be a C$2.5m IPO. Year 1 exploration budget is expected to be C$1m-$1.5m. The initial focus is on Mariana (ARG), which covers 160km2 among the Andean Salars (ARG). Brine samples range 250-650mg/L Li (average 440mg/L) – current producers range from 150-1500mg/L of Li – as well as average 12,700mg/L K. A resource could follow drilling in 1Q11 (up to 20 holes to 100m depth).
ILC will also drill in 1H11 at brine projects in Nevada (5,285 hectares),in the area of Clayton Valley (producing Li since 1967).
The Canadian pegmatite projects, prospective for lithium and the rare metals (e.g. tantalum, niobium and the REE) include Moose, which lies 12km from Thor Lake (TSX:AVL) and is a past high-grade producer of Li and Ta (samples include 6.7m @ 2.07% Li2O), yet untested below 25m depth. The Mavis Lake Project has channel samples including 5.3m @ 1.24% Li2O.
Mid stage exploration of the Forgan Lake Project is operated by a JV partner (TSX:CKC).
Argentina projects (Au-Cu-Ag): Among 5 active projects in San Juan Province, the primary focus is on El Salto (13,300 hectares) and El Tapau, which are both early stage and have potential for bulk tonnage Au-Cu-(Mo) porphyry discoveries. El Salto has a 6 x 1.5km chargeability anomaly and limited drilling (incl 55m @0.21% Cu and 0.012% Mo). El Tapau has three target areas; exploration includes grab sampling averaging2.2g/t Au over 4.5km strike, and limited drilling (incl 82m @ 0.49% Cu). Both projects will be the target ofgeophysics and follow up drilling.
TNR retains a 25 per-cent back-in right to certain of the properties at the Los Azules Cu-Au-Ag deposit, which contains 12.5 billion lbs Cu, with 2.3moz Au and 57moz Ag. The back-in terms are the subject of a legal dispute with Xstrata, which assigned its interest to Minera Andes Inc. TNR served a back-in notice in April 2010 and has a C$5m loan that can be drawn down to support Los Azules. Minera Andes rejected the notice, the validity of which is the subject of a legal dispute with Minera Andes. The
matter is scheduled for court in June-July 2011. The project has a high conceptual value: with capex US$2.8bn and production 159ktpa Cu at US$3/lb, NPV8 is $4bn with IRR 24% (Mineras Andes figures, Dec "10).
Alaskan Projects (Au, Cu): TNR has Shotgun (controlled by subsidiary Ameri Gold Corp), a breccia-hosted Au target with a non compliant resource of 980koz Au grading 0.93g/t and drill ready gold targets. The Iliamna Project is < 80km from the giant porphyry-hosted Pebble Deposit (18.8blbs Cu and 31.3moz Au).
Investment Comment: TNR"s plan to spin off some of its Li and REE exploration portfolio (as ILC) is a welltested strategy for unlocking the value of mineral assets. The ILC listing was slated for 2010, but lengthy negotiations with potential cornerstone investors mean the listing is now planned for 1H11. If listed on the TSX with a starting market cap of C$15m, ILC should be seen as significantly undervalued in comparison to its Lifocused peers (capitalised at C$4-C$240m in 4Q10). Further value should be added to both TNR and ILC by ongoing exploration and resource definition in 2011, e.g. at Mariana, which bears early comparison to the nearby Hombre Muerto (Fenix) mine of FMC, providing 14% of global lithium supply.
Other share price catalysts could be a positive decision over the Loz Azules back-in, and exploration at El Salto and El Tapua.
Disclosure: Long TNR.
Herès to your Retirefund.
Related Articles:
TNR has many irons in the fire!
Gold, Lithium and Rare Earths in one penny stock!
March 21, 2011 - We increased our holdings of TNR Gold Corp.
Here are some recent quotes from Resource Capital Research about TNR Gold:
"TNR's near-term exploration program will focus on lithium brine
projects at Mariana (ARG) and Clayton Valley (Nevada), as well as gold
at Shotgun (Alaska). The proposed TSX spin-out of Li and REE assets
as International Lithium Corp (ILC) could proceed in early 2011."
"The TNR lithium/REM assets could be spun out in early 2011, as International Lithium Corp, ILC:TSX. ILC, with 60m shares at C$0.25 and early stage projects, is good value relative
to some comparable, if more advanced, lithium-focused companies."
Investor overview of TNR Gold!
TNR's "Non-Executive" chairman and largest shareholder, Kirill Klip reports the following:
We had a very strong interest in our financing last week.
We have submitted our documents to the TSX and expecting the listing process to be completed shortly.
Record date will be announced after we receive the TSX approval for listing.
We have another very strong group joining our company as Insider with holding of more than 10% now - its background is in Energy Generation and Grid Management business. It will strengthen even more our shareholder base, particularly for TNR Gold post ILC IPO.
Los Azules will receive more attention now and will be moving forward further for TNR Gold with additional technical steps in preparation to the announced litigation in June 2011.
We are conducting negotiations on J/V opportunities for a number of our projects at this moment in order to speed up the development of the existing opportunities.
from Marketwire:
TNR Gold gets TSX approval of International Lithium Spinoff on May 19th 2011!


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Google Play services is now at version 2.0, and a couple of great new features are on board.
First is an update to the Maps API for Android apps. Version 2 of the API now includes vector-based maps, with both 2D and 3D views, as well as tilt-rotate visuals. Google's also added UI design elements that can be scaled up for tablets.
Apps will also get to use Maps layers like satellite, hybrid, terrain and traffic information. The latest indoor maps layer covering airports and shopping center layouts is in there, too. Google's been calling for building participation in the project, and stores like Ikea are early participants.
Additionally, full details about the Photo Sphere tool are available, and these new APIs will help interested third parties create standalone viewers using the new metadata from Adobe. With the open XMP format, Photosphere is now open to all. We like open around here, especially because it means we should finally (eventually) be able to view Photo Sphere pictures in the Google+ application.
Hit the break for a developer video from Google about the new API.
via: Android Developers
Source: Google Maps blog

subset: commoncrawl


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Katherine comes from a family of 12. With farming as the family's main source of income, and her father as the only breadwinner in the family, Katherine, much like four of her siblings, was sent to live with her relatives who could send them to school.
Katherine was taken in by her aunt (father's cousin) in Taytay and has been living with her ever since. She communicates with her family in Bicol through calls and text messages. According to her grandmother (her aunt's mother), Katherine started living with them since she was just in Grade One. They are supporting Katherine's education from the income of a small canteen owned by her aunt.
This school year 2016-2017, Katherine is one of the beneficiaries of LFI-A Better Chance Foundation Night High School Educational Assistance Project at Siena College Taytay as she enters Grade 7.
LFI is honored to assist Katherine in her education towards the fulfillment of her dream of becoming a teacher.


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Exceptions to the Warrant Requirement
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There are six major exceptions to the warrant requirement.1. Search Incident to Lawful Arrest
A search incident to lawful arrest does not require issuance of a warrant. In other words, if someone is lawfully arrested, the police may search her person and any area surrounding the person that is within reach (within his or her "wingspan"). See Chimel v. California, 395 U.S. 752 (1969). The rationale is that the search is permissible as a protective measure for police safety and to secure evidence that might be destroyed.
EXAMPLE: Pursuant to an arrest warrant, John is taken into custody in his home. As the police escort John out of his house, they search the area within his wingspan. After securing John in his vehicle, the officers search the basement of the house. Any evidence gathered from the basement will be excluded because it was not within John's wingspan as he left the home.
A search incident to lawful arrest also applies to the search of a vehicle, specifically when officers arrest the occupants of a vehicle. In Arizona v. Gant, 556 U.S. 332 (2009) the U.S. Supreme Court held that an officer may search a vehicle if the officer has a reasonable belief that the vehicle harbors weapons accessible to the arrestee (a continuing threat to officer safety) and/or if the officer believes the vehicle harbors evidence concerning the crime of arrest.
2. Plain View Exception
No warrant is required to seize evidence in plain view if the police are legitimately in the location from which the evidence can be viewed. For example, an officer cannot illegally enter a suspect's back yard and then use the plain view exception to seize an illegally kept alligator living in the pool. But, if on the premises to serve a warrant duly issued to search for marijuana plants, the alligator, if in plain view, can rightly (though by no means easily) be seized.
EXAMPLE: The police are called to Donald's house by neighbors who see him beating up his wife, Victoria. After properly entering the house (without a search warrant – see emergency exception below), police notice Donald's prized gun collection hanging on the wall. Fortunately for the officers, the guns are not loaded. Unfortunately for Donald, many of them are illegal and Donald is arrested for battery as well as for the illegal guns, which are seized.
3. Consent
If consent is given by a person reasonably believed by an officer to have authority to give such consent, no warrant is required for a search or seizure. So, if a suspect's "significant other" provides police with a key to the suspect's apartment, and police reasonably believe that she lives there, the search will not violate suspect's Fourth Amendment rights even if she did not live there and even if she, in fact, lacked authority to consent. See Illinois v. Rodriguez, 497 U.S. 177 (1990).
Officer Warren knocks on a murder suspect's door. The door is answered by the suspect's 6-year-old child, Timmy. The officer asks Timmy, "Is it okay if I come in and talk to your Dad? He's expecting me." And then walks into the apartment. He then sees the suspect, Roland, sitting on the sofa oiling his illegal Tommy-gun, the suspected murder weapon. He arrests Roland for possession of the gun and seizes the evidence. Because Timmy, being a small child, was not legally able or authorized to give consent, the entry was illegal and the evidence will be excluded.
4. Stop & Frisk
Police may stop a suspect so long as there is a reasonable suspicion of a criminal act and the officer can articulate facts leading to that suspicion. The evidence necessary for "reasonable suspicion" here is something beyond mere suspicion, but is less than the level required for probable cause. If there is reason to believe that the person may be armed and dangerous, the police can also frisk the suspect. See Terry v. Ohio, 392 U.S. 1 (1968).
EXAMPLE: Officer P. Harker's peers often joke that he has something akin to a "spidey-sense" which tells him when folks are up to no good. While enjoying a cup of coffee at his favorite donut shop, Officer Harker's neck hairs stand up straight. He immediately goes outside where he sees Ivan walking down the street, carrying a small duffel bag. He orders Ivan to stop and drop the bag. When the bag falls, Officer Harker hears the clanging of metal against metal. He then frisks Ivan and discovers a hidden pistol in Ivan's pocket. He then searches the duffel bag and discovers ammunition and several illegal hunting knives. Despite the fact that Officer Harker's "spidey-sense" proved accurate once again, the evidence will be excluded as he cannot articulate any reason why he stopped Ivan, other than his unusually active neck hairs.
5. Automobile Exception
Because vehicles are obviously highly mobile, a warrant is not required to search vehicles if police have probable cause to believe the vehicle contains evidence of a crime, the instrumentalities of crime, contraband, or the fruits of a crime. Although commonly referred to as the "automobile exception," this rule applies to any vehicle, including boats. While in some ways, it is quite a broad exception, this rule limits the ability to search those areas that might contain evidence of the type suspected to be present. In other words, if police suspect that the occupant of a boat is smuggling people across the border, searching a small tackle box on board would not be permissible. However, if they were looking for drugs, they could search the tackle box. The rationale is that, if an officer has to take the time to obtain a warrant, the vehicle might be out of reach before the warrant can be issued and executed. See Carroll v. United States, 267 US. 132 (1925).
EXAMPLE: Officer Demidum has reason to believe that an abandoned car on the corner contains illegal drugs in the trunk. The car is missing all four wheels and is up on cinder blocks, and the engine was stolen long ago. Assuming that the automobile exception applies, Officer Demidum uses a crowbar to force open the still-working lock on the trunk. There, he finds 10 kilos of cocaine. Rushing back to the station house to show off the evidence to his Captain, Officer Demidum runs into Judge Sosad. Judge Sosad says "You should have called me first. While it's great to get the drugs off the street, unfortunately we can't use this as evidence against anyone. The search was illegal, as the automobile exception to the warrant requirement only applies when the vehicle is actually capable of being moved. That's the whole point of the exception!" A dejected Demidum continues on to the station, where he has to tolerate cars drawn in shaving cream on his locker for the next month.
6. Emergencies/Hot Pursuit
The rationale here is similar to the automobile exception. Evidence that can be easily moved, destroyed or otherwise made to disappear before a warrant can be issued may be seized without a warrant. Furthermore, if a suspect enters private property while being pursued by officers, no warrant is required to enter that property in order to continue pursuit, even if the suspect is in no way connected with the property owner.
In Kentucky v. King, 563 U.S. 452 (2011), the U.S. Supreme Court clarified exactly how far the exigent/emergency exception applies. In King, Kentucky police attempted to purchase illegal drugs from a suspect. After the transaction, the suspect proceeded toward a nearby apartment complex. An officer radioed that he saw the suspect go into the apartment on the right. When officers entered the apartment building, they smelled marijuana emanating from the apartment on the left, therefore, they knocked, extremely hard ("as loud as they could"), on the door and announced their presence. After the officers heard shuffling and a toilet flush, noises considered to be "consistent with the destruction of evidence," the officers kicked in the door and found a gentleman (not the original suspect) on a sofa smoking marijuana and cocaine. Upon further search of the apartment law enforcement located more illegal drugs and paraphernalia. At trial, King filed a motion to suppress, but was denied at both the state circuit court and court of appeals levels. On review, the Kentucky Supreme Court reversed and held the search violated the Fourth Amendment. The case then proceeded via writ of certiorari to the United States Supreme Court. The United States Supreme Court, reversing the Kentucky Supreme Court, held that no warrant was required because the officers faced exigent circumstances, an emergency situation, where it was reasonable to conclude that evidence was being destroyed.
EXAMPLE: While running from police, Fred enters Joe's garage and the police follow Fred in. (They are not required to give up pursuit until such time as they can obtain a search warrant for the premises.) While in Joe's garage, police notice illegal drugs in plain view. They can arrest Fred for his crimes, and they can also seize the drugs and arrest Joe for possession of the drugs, even though Joe had nothing to do with Fred and the police were in Joe's garage only because of the hot pursuit of Fred!
Unless the fact-pattern fits one of the six exceptions discussed above, a warrant is required for police to conduct a search or seizure. Note that for Exception 1, search incident to a lawful arrest, and Exception 5, the automobile exception, although no warrant is required, there is a probable cause requirement. For a search incident to a lawful arrest, the officer must have had probable cause for the original arrest. If the original arrest was unreasonable or unlawful, the evidence discovered from the search will be excluded as fruit of the poisonous tree (see the subchapter on the Exclusionary Rule). For the Automobile Exception, the officer must have probable cause to believe that the vehicle contains evidence of a crime, instrumentalities of a crime, contraband, or fruits of a crime, whether the vehicle is moving or already stopped. Exception 4 ("stop and frisk") does not require probable cause, but does require "reasonable suspicion." Only Exception 3 (consent) requires no grounds on the part of the police for making the search.


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Christmas swimmingThursday, December 10, 2015
Christmas at my grandparents was the best. Not only because they spoiled us with a ridiculous number of gifts (Cabbage Patch Kids! Gund dogs named Muttsy!) and not just because my nana put out unlimited almond bark for me, or because there were sweet potatoes with broiled marshmallows on top or because there were trays of bacon wrapped water chestnuts. It was the best, not just because we were allowed to put on all of my grandmother's rings my grandfather made for her, and look at all of her lipsticks in their decorative cases in the bathroom, or because I'd get to blow out birthday candles with my mom and dad and cousin, and ride the elevator, and call up from the intercom, and listen to the police scanner, and stand on the balcony, but because we got to swim.
Their apartment building had a pool in the basement, and the weekend before Christmas, we would pack our bathing suits and goggles along with a trunk full of gifts. The only other time we swam all together was at the cottage, but by then the lake was frozen over, and swimming altogether was a distant memory, but every December, we would do a conga line in the shallow end, practice handstands and show off our somersaults.
My grandparents didn't know how to swim, but they loved that we did and we would open presents smelling like chlorine. Our hair would be crispy and tangled, and everything about it was perfect.
3 comments
It sounds like you have great memories about christmas from your childhood. It's nice that your grandparents had a pool and that you were able to go swimming regularly. I grew up by the sea and thats where I learnt to swim. It was always freezing though, but that didn't stop us.ReplyDelete
Benton @ Pool Solar & Spa
This is so fun to read. It is funny the things that we associate with Christmas. I grew up in the southern hemisphere and so it was always hot for Christmas. Since moving to the northern hemisphere, it is so weird. It never feels like Christmas. I always feel like I should be out tanning in the sun pool side.ReplyDelete
Alvin @ Selective Designs
I cannot imagine being able to go swimming on Christmas morning, but it sounds like you had a blast swimming with the entire family. Going swimming before opening presents and having dinner sounds like an amazing memory. We can only go swimming during the warmer seasons, but I think swimming on Christmas is a tradition my whole family would love.ReplyDelete


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I have combined these three topics into one article because the solution I hope to propose (with the democratic approval of the people of the district) would include all of them. I would propose that federal funds be directed toward two large national projects.
First we need to rebuild our infrastructure: bridges, levees, roads, etc. We have been neglecting this for far too long providing money to the military and other sexier projects. Of course, I believe the most serious waste of money has been through the Pentagon, and a substantial amount of that money should be directed elsewhere. Some of that should go to this project. In addition to rebuilding our infrastructure, we need to expand some aspects of it, too. We should build a nationwide high-speed rail system and establish an agency under the Department of Transportation to provide low-cost, safe and reliable interstate transportation to the people of this country. The airline industry and Amtrak have failed to achieve this, and we should not expect them to ever do so. Fpr those who argue that government should not be getting involved in this, or that it might compete with these private industries, we should note that cities, counties and specially created metropolitan transit districts have been offering trains, subways, trolleys and buses to compete with Greyhound/Trailways, charter bus companies, local cabs and limos without adversely affecting those industries. When we have a need that private industry has shown an inability to meet, it is the responsibility of government to provide that service. If private industry can indeed do it better and more efficiently, as some would claim, then let them jump in after government has shown the demand, and let them force the government "out of business."
The second large project would be to retrofit every house or other suitable building (at the owner's discretion) with solar panels and/or a windmill. In many cases, homes with solar panels can meet most, if not all, the energy requirements of the house. Many people actually produce more energy than they use, and sell some of it back to the energy companies. With every house in the nation (except those whose owners declined or which were structurally insufficient) fitted with these green energy production technologies, our energy companies would need to produce much less, possibly little enough that they could generate all their needs from wind and/or solar fields, and they would serve as the clearing house for all the incoming surplus energy created by consumers., thus becoming more energy management companies rather than energy production companies. However, even if they are still producing the majority of our energy, and even if some of that is still from petroleum products, we could at least phase out all nuclear energy, and "dirty" coal. Furthermore, the project itself will create thousands of jobs in every state, and will probably last many years, which will provide a sustained boost to our economy. Even after the construction phase is complete, there will be an ongoing need for maintenance, repair and replacement. Of course, all this clean energy and the phase out of dangerous and/or dirty energy sources will improve the quality of our environment and our lives, and it will also serve to move us away from dependence on fuel sources from foreign nations, providing economic security and reducing our need to go to war for resources.
In addition to this expansion of our energy infrastructure, we should also put some money into research and development of even more efficient wind and solar production technology, as well as other pollution-free renewable energy sources, like compressed air, creating even more jobs and further improving our lives.


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Maybe stronger than double sided red tape - although that stuff is pretty strong!
Maybe stronger than double sided red tape - although that stuff is pretty strong!
Sorry I didn't show. After the RCIA thingy, I was too tired to drive so I decided to take a "short nap" which means I woke up around 6:30. Sorry!
crazycat: Hate that you missed the fun, but naps are a good thing when needed!
Today happened the way it did so that tomorrow will happen the way it should. K.L. Lenny
***My Fabric Bird Blog***Aunt Annie Crafts***
Naps are okay, but I'd rather been with you guys.
If there is any interest in going to teh Arvey Paper store in December - they are at 1021 North Pennsylvania, Indianapolis, IN 46204. We had tossed out the idea of going to the store and doing a lunch somewhere downtown for our December get together.
Store Hours: M-F 7:30 am - 5:30 pm SAT. 9 am - 1 pm SUN. closed
That sounds good
I am excited but slightly frightened to go to a paper store that's new to me. If they're overflowing with completely brilliant things, you may need to tie me to the mast and cover my eyes, Odysseus style.
Ah yes, the siren song of the paper harpies - we have all fallen prey to it from time to time!
I'm going to be out of town until after the 7th. I don't suppose we could do it after I come back? *hopeful look*
I'm fine with waiting until after the 7th.
So the 12th or 19th? Those are Saturdays - I can also do a weekday with a little advance notice
Today happened the way it did so that tomorrow will happen the way it should. K.L. Lenny
***My Fabric Bird Blog***Aunt Annie Crafts***
From what I can tell it looks like the 19th would be good for me.
My calendar thinks the 19th is a Tuesday.
If it's December 19th, I might be able to come up if the weather holds.
AnnD - you do know you have to get a new calendar each year don't you? I know the numbers are the same, but the actual days they fall on change from year to year.
That's cute, Russell. I'm looking at a calendar in Outlook. It says January 2010 at the top, and then it says the 19th is a Tuesday. When I go on the internet and type January 2010 calendar, I still get that the 19th is a Tuesday. So I'm guessing . . . a) my computer is bewitched by an Evil Paper Queen who wants to make me miss this field trip; or b) the 19th is a Tuesday.
Yeh AnnD. JANUARY 19th is a Tuesday!!! My outlook says so too.
Of course, I think these folks are looking at meeting DECEMBER 19th, which is a Saturday.
I mention it only because I was trying to figure out if I could crash your little get-togethers, and how long it would take me to drive there.
You have no idea how jealous I am!!!!
I thought maybe I was confused about the month, but back in post #45, Russell said December.
Is Arvey mostly cardstock or do they have decorative/handmade papers too?
Nifty husband's birthday is January 7, so for whatever reason, when crafty cat said the 7th, I jumped right to January. Had no notion at all we were still talking about December! I are very, very bright - honest.
Vicki, we would LOVE to have you come down and crash! And if December doesn't work, we should plan a separate thing, don't you think?
Hey, slow down.
I have to figure how long it will take to get there, and how I can work this trip into my schedule.
That is the reason I haven't posted on this thread until now . . . . .
But I couldn't resist the temtation to say something about your Outlook (calendar and otherwise!!)


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Enter to win. . .
Special note: This post will remain at the top of my blog until April 5th for the contest, so please check past this post for the newest postings
Easter Bunny Snowman print!
I'm already a follower and love your work!ReplyDelete
What a beautiful print!ReplyDelete
Hi CHeryl, I would love to win any one of your prints. Please enter me in your contest....
Pat McKenna
Pick me, pick me,This is my favorite one!!!ReplyDelete
Wow! This is just fabulous!!ReplyDelete
Who wouldn't win this print! Already a follower and a huge fan of your digi's. GemmaReplyDelete
Oh Cheryl - you know I LOVE this image! And to have your print would be FAB!!! I think I'm already a follower but I'll check to make sure!ReplyDelete
I'm a follower already, love your work!!ReplyDelete
I would love to have this on my wall....I'm a big time follower!
Mary Juckett
I would love to hang this in the boys room, how adorable. Hope you're doing well.
Hugs, Lori
Pick ME!!!! (please?) :)ReplyDelete
Another awesome piece of artwork! Thank you so much for the chance to win.
Have a wonderful day!
Hi Cheryl,
Pick me too...Just love all your artwork!!Thanks Jean
Wow! Cheryl what a great gift. I would love to win a Cheryl original...be sure to sign it before you send it off.
Thanks for a chance to win a wonderful prize.
Theresa (Sassytjw)
Hi Cheryl. Not sure if I'm classed as a Follower or Stalker (A Good Stalker though!!)! Love all your work and have an empty purse to prove it Tee! hee! Would love to win!!
Thank you X
Hi Cheryl,i Am Already A Follower Of Your Blogs & A Fan Of Your Beautiful Images.. And Looking Fwd To Many More Happy Easter To You And Yours.. :-) SherryReplyDelete
Oh fun!! Wonderful prize!ReplyDelete
thank you for this chance to win. love your blog and have end two of your challenges. they are alot of funReplyDelete
You know I've become such a fan of yours and it would be so awesome to have one of your prints!!ReplyDelete
I was an early follower and one of your many cheerleaders---hope I get lucky.ReplyDelete
gorgeous image please enter me for the chance to win thanks , happy easter
Hi Cheryl - I would have sworn I was a follower on your blog!! I'd entered the challenges.....but after scrolling through it seems not!!!! I am now. Thanks for the chance to win such an amazing picture - it will be prized by one lucky person for sure!!! Happy Easter!ReplyDelete
Oh my goodness. This is great. Thank you so much for a chance to win.ReplyDelete
I Love the Easter Bunny Snowman - Too cute! I Love all of your digi's - Keep em' coming.
your images are soooo darling, Cheryl!ReplyDelete
i'm hooked on all the images oh my
Beautiful as always Cheryl. Happy Easter...ReplyDelete


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People thrive in an environment where they are safe and cared for. At KJ CrossFit, we work hard to develop relationships with our athletes, creating a more personalized experience. Our coaches constantly pursue education that can better our athletes health and fitness, as well as provide information that is current and cutting edge. CrossFit is not just about performance, it is about feeling great and being able to perform well in life. We offer top of the line programming that will push your fitness to the next level; we offer excellent coaching that makes our programming applicable to everyone.
Our athletes are hard working, kind, and always welcoming. Come be a part of something that will motivate you and keep you coming back for more.
Our daily classes include a programmed warm-up, strength/skill work segment, as well as conditioning.
Olympic Lifting
Olympic lifting classes are focused on developing technique for the snatch and the clean and jerk. We also focus on building the strength necessary to execute the lifts properly.
StrongFit is a combination of strongman movements designed to strengthen and balance an athletes body. It is a great supplement to CrossFit or can be done as a separate program.


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Utility Program
Get up to $4,000 or 50% of your home improvements covered by the utility program!
Shakes to Shingles is committed to providing customers throughout New Hampshire with high quality energy efficiency home performance and inspection services. We are fully trained and equipped to service residential and commercial retrofits. By providing services that include energy audits, diagnostic testing for water intrusion, mold intrusion, heat loss, energy efficiency and insulation - we are dedicated to making your home comfortable and efficient. Our experienced team has extensive knowledge working with state and local energy efficiency programs including Home Performance with ENERGY STAR®, to make sure you get the rebates and tax incentives to make energy efficient improvements more affordable.


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Preparing to Teach in the Lifelong Learning Sector (PTLLS)
All our courses are subject to the minimum number of students per class, however mentioned dates may change.
PTLLS Course Dates:
Course Dates (for level 3 and level 4 PTLLS)
Courses either start on a Wednesday and continue to the following Monday or Tuesday (EXCLUDING the weekend) - depending on student numbers. This allows candidates time over the weekend to prepare for their own teaching session, (of between 20 and 25 minutes).
Or, we also run the courses at the weekends, see below for dates.
Teaching sessions are assessed by the tutor AND members of your peer group.
You may be able to elect to attend on just one of the final two days, if there are sufficient delegate numbers - making the total length of attendance on the course, 4 days.
THREE day course? You can always take your assessed teaching session on one of our later courses, by attending just for one more final day, to be assessed teaching for between 20 to 25 minutes. Or you could submit a video recording of yourself instead, to be assessed immediately. As long as you attend for the first three days of the taught course.
2013 dates:
January; 11th to 18th excluding the weekend, (Wednesday, Thursday, Friday, Monday or possibly Tuesday);
March; (Saturdays and Sundays); Sat. 3rd, Sun 4th, Sat. 10th, Sun. 11th or Sat. 18th;
April; 11th to 17th excluding the weekend, (Wednesday, Thursday, Friday, Monday or possibly Tuesday);
June; Including Weekend 10th or Sat. 16th;
July; 18th to 24th excluding the weekend (Wednesday, Thursday, Friday, Monday or possibly Tuesday);
September; (Saturdays and Sundays); Sat. 8th, Sun 9th, Sat. 15th, Sun. 16th or Sat. 22nd;
October; 24th to 30th excluding the weekend (Wednesday, Thursday, Friday, Monday or possibly Tuesday);
November; (Saturdays and Sundays); Sat. 24th, Sun 25th, December; Sat. 1st, Sun. 2nd or Sat. 8th.
Venue: One Victoria Square, Birmingham,B1 1BD
Times: 8:45am arrival for a 9:00am start. Finish around 4:30pm each day


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Red Capital Markets Serves as F.A. for community hospital in Hoopeston, IL to help them secure USDA Direct Loan to replace 75 Skilled Nursing Beds and Replace/Renovate More
Red Capital Markets, LLC (MEMBER FINRA/SIPC), the investment banking arm of comprehensive capital provider RED CAPITAL GROUP, LLC, is pleased to announce it recently served as a financial advisor to Hoopeston Regional Health Center ("Hoopeston RHC") to secure financing to replace its existing skilled nursing facility. Hoopeston RHC is a not-for-profit hospital, skilled nursing, and seniors housing operator in rural Eastern Illinois, located approximately 120 miles south of Chicago. The financing was secured and funded through the USDA's Community Facilities Direct Loan program to acquire land and construct a new 75-bed skilled nursing facility.
In addition to the 75-bed skilled nursing facility, Hoopeston RHC operates a 25-bed Critical Access Hospital that was originally built in 1962, plus a 30-unit senior living community which was added in 1995. Hoopeston RHC serves a population of approximately 16,390 residents. The USDA Community Facilities Direct Loan has a 40 year amortization period and carries a 3.75% fixed interest rate. Proceeds from the USDA loan will be used for construction of a replacement 75-bed skilled nursing facility on a new senior housing campus located just north of Hoopeston, Illinois.
In addition to the USDA financing, Hoopeston RHC also expanded its affiliation with Carle Foundation Hospital and will bring its acute care and physician clinic facilities into the Carle organization as independent operating units. Along with this integration, Carle Clinic provided additional funding that will allow Hoopeston RHC to replace its existing surgery and recovery areas and renovate its emergency department and mechanical systems.
Harry Brockus, CEO of Hoopeston Regional Health Center said, "As a first time CEO, we turned to RED CAPITAL to assist us with our financing needs due to their extensive experience financing community hospitals through a variety of bond and governmental programs. Every step of the way, they were there with the right answers and made a daunting task seem simple. It was refreshing to work with a financing partner that was driven to find a solution to our financing needs."
Jeffrey C. Fivecoat, Vice President of Red Capital Markets, LLC commented, "It was a pleasure to work with Harry and the team at Hoopeston Regional Health Center to secure the financing necessary to modernize and expand skilled nursing care in Vermilion County. After examining a variety of financing options, the USDA direct loan provided extremely attractive interest rates and financing terms, enabling the hospital to tackle a much needed full nursing facility replacement. This truly is a great outcome for the residents of Hoopeston and the surrounding area."
Operating nationwide since its inception in 1991, RED CAPITAL GROUP, LLC is often recognized for its industry expertise, innovative and comprehensive structures, and consistently high lender rankings, such as having closed more FHA Multifamily & Healthcare loans during HUD FY-2010 than any other lender (and having closed more than $1.0 billion of FHA multifamily apartment loans in Federal Fiscal Year 2011 to date) and also having been the nation's top Fannie Mae DUS lender for both multifamily and seniors. Red Mortgage Capital, LLC's new Freddie Mac Seller/Servicer for Seniors designation, announced April 2011, rounds out the agency platform, which already includes Fannie Mae DUS® and FHA MAP and FHA LEAN lending for multifamily, seniors housing and health care properties.
RED CAPITAL GROUP, LLC is committed to being the nation's premier provider of capital across the spectrum of asset classes.
About Hoopeston Regional Health Center
Hoopeston Regional Health Center is a Critical Access Hospital in Illinois serving Hoopeston, Vermilion County and the surrounding area. Employing more than 250 staff members, with 18 physician and mid-level providers, the 25 bed HRHC is committed to providing quality, dependable health services.
About Carle
Based in Urbana, Ill., The Carle Foundation is the not-for-profit parent company of an integrated network of healthcare services. At its core are the Carle Foundation Hospital, Carle Physician Group and Health Alliance Medical Plans. The 325-bed regional care hospital has achieved Magnet® designation, the nation's highest honor for nursing care. The Mills Breast Cancer Institute, Carle Cancer Center, Carle Spine Institute and Carle Heart and Vascular Institute bring additional advanced diagnostic and treatment options.
About RED CAPITAL GROUP, LLC
RED CAPITAL GROUP, through three operating companies, provides debt and equity capital to the multifamily, student and seniors housing, and health care industries. Red Mortgage Capital, LLC is a top Fannie Mae DUS® lender for both Multifamily and Seniors Housing, the nation's most active FHA Multifamily/Seniors lender (MAP- and LEAN-Approved), a national Freddie Mac Seniors Housing Seller/Servicer, an active financier of Critical Access, community and rural hospitals, and services approximately $14 billion of income property mortgage loans. Red Capital Markets, LLC (MEMBER FINRA/SIPC) is a leader in the trading and distribution of Fannie Mae and GNMA Project MBS and the underwriting of developer-driven multifamily housing bonds, and is remarketing agent for $1.5 billion in variable rate demand tax-exempt and taxable housing and health care bonds. Red Capital Partners, LLC delivers proprietary debt and equity to the multifamily and health care industries and provides asset management services for RED's proprietary debt and equity investments.
RED CAPITAL GROUP is headquartered in Columbus, Ohio, employs more than 200 and maintains nine offices nationwide. Since 1990, the bankers of RED CAPITAL GROUP have provided over $52 billion in taxable and tax-exempt first mortgage debt, mezzanine level capital and equity to multifamily, seniors housing, health care, and other real estate properties nationwide. RED CAPITAL GROUP is a subsidiary of ORIX USA Corporation.
About Our Parent ORIX USA Corporation
ORIX USA Corporation (http://www.orix.com) is the U.S. subsidiary of ORIX Corporation, a publicly-owned Tokyo-based international financial services company established in 1964. ORIX Corporation is listed on the Tokyo (8591) and New York (NYSE:IX) stock exchanges. ORIX USA Corporation is a diversified corporate lender, finance company, and advisory service provider with more than $6 billion in assets and an extensive portfolio of credit products and advisory services. ORIX USA is headquartered in Dallas, Texas and has approximately 1,400 employees worldwide.
Red Mortgage Capital, LLC is a licensed FHA MAP and FHA LEAN lender.
DUS® is a registered trademark of Fannie Mae.
Tagged with: Business • Business Services • Carle Foundation Hospital • Economy • Fannie Mae • Federal Housing Administration • FHA funding • Financial • Financial Advisor • Financial planner • Healthcare Loans • Hospital Funding • Industry • Loan • Markets • Money Management • Multi family loans • Red Mortgage Capital • United States Department of Agriculture • USDA • USDA Direct loan
Filed under: Business


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National Library of France
The level of cataloging quality varies according to the nature of BnF's responsibility on the items catalogued.
The catalogue général de la BnF contains the following:
BnF's cataloging policy defines the required levels of quality and cataloging instructions for bibliographic records created natively in the catalogue général de la BnF.
It is broken down by type of material and the route by which materials come into the library. It is aligned with the needs of users: on-site readers, remote readers, and library staff, publishers, and booksellers. It is supplemented by an indexing policy.
Responsibilities of a national library
As a national library, BnF has both national and international responsibilities in respect of describing materials obtained under the legal deposit scheme.
This obligation covers materials which are published, printed, or distributed in France and added to the library's heritage collections. Once received by BnF under the legal deposit scheme, such materials are described in bibliographic records contained in the catalogue général de la BnF.
These records are extracted from the catalogue général de la BnF to create the French National Bibliography, which BnF has a duty to maintain (under the terms of Article L.131-1 of the Heritage Act).
They have authoritative value and can be reused by French and foreign libraries and other public and commercial organizations.
BnF also has national and international responsibilities in respect of the quality and reliability of access points to these records. For this reason, BnF maintains an authority file (with authorized and rejected forms, information about entities, usage instructions, etc.) for use by the professional community.
Complete authority records may be accessed via the "BnF authorities" section of the catalogue général de la BnF, which enables to retrieve authority records for names of persons and corporate bodies, titles, and geographical names.
Finally, BnF has national responsibilities in respect of managing the RAMEAU subject authority list (which can also be viewed via the "Authorities" section of the catalogue général de la BnF) and assigning ISSNs to French publications.
Responsibilities of a research library
As a research library, BnF also grows its collections by way of acquisitions, donations, and exchanges. Such collections are either available on an open-access basis or are added to the library's closed-stack heritage collections. Such materials, at least as far as monographs are concerned, are equal in number to those received under the legal deposit scheme.
Descriptive records for these collections are added to the catalogue général de la BnF. The corresponding authorities that are created are included in the BnF authority file. All such records can be downloaded.
BnF has no particular national or international responsibilities in respect of the bibliographic and authority records it creates in this connection. However, these records must include the information needed to identify and locate materials.
Everyday cataloging is based on the application of standards
Cataloging policy is defined by way of a consultation process involving BnF's various departments. It guarantees the quality of records in the catalogue général de la BnF, and thus of records published in bibliographic and authority products extracted from the catalogue général de la BnF.
Irrespective of the route by which materials come into the library, record quality is defined by national and international rules. A list of the standards and authoritative documents used, together with transcription and transliteration systems, is available online.
Speed of appearance and relevance of description are also taken into consideration so as to meet users' expectations as fully as possible.
Finally, cataloging policy may evolve in line with changes in the editorial world and internal constraints.
BnF has implemented operating procedures and set up bodies responsible for ensuring that policy is properly applied.
Descriptions vary according to the route by which materials come into the library
The cataloging principles applied at BnF, together with instructions derived from those principles, are set out in the Practical Guide for Catalogers (Guide pratique du catalogueur). The way in which these principles are applied is adjusted for certain types of materials, including in particular graphic materials.
Note: The Practical Guide for Catalogers specifies when exceptions are made to these principles.
|Descriptive records
|Records are created based on physical inspection of materials.
Full standard description.
|Subject indexing and classification
|See indexing policy.
|Authority records
|Links to authority records.
|Descriptive records
|Records are created based on physical inspection of materials.
Simplified standard description used to populate major indexes in the catalog.
Cataloging may draw on records from BnF's bibliographic pool (OCLC's WorldCat). Access points are controlled through BnF authority records.
|Subject indexing and classification
|See indexing policy.
|Authority records
|Links to authority records.
For information, records in the catalogue général de la BnF do not include the following:
Some materials are not described individually, but at folder level.
Sound recordings
The Audiovisual Department offers "adjusted cataloging". This involves treating as a whole materials whose content deserves more extensive description, as well as potentially indexing titles, performers, and authors, using a matrix of types of phonographic publishing and content (number and completeness of works contained, first edition or reissue, content mainly accessible by author, performer, or non-musical concept, etc.).
Monday, February 8, 2016


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Latest News from Rumsey
StarMark Cabinetry at Rumsey Construction & Restoration
At Rumsey Construction and Renovation, LLC we offer quality and complete satisfaction. That is why we have partnered up with StarMark Cabinetry. StarMark Cabinetry is a leader in the kitchen cabinet and bath vanity market. StarMark has a variety of kitchen...read more
Water Restoration
Water is the leading cause of property loss and it can wreak havoc on your home. Most claims of water damage begin with a small leak. If left unnoticed and untreated a small leak can turn into a bigger problem. It is estimated that water losses cost the...read more
How to Handle Roofing Disasters
Protecting and ensuring the health of your roof is an important part of homeownership. Roofs can be damaged by wind, hail, severe rainfall, ice/snow, or sometimes they just need to be replaced due to age. If you think your roof has been damaged the first step...read more


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How did I end up watching this movie?
I have been wanting to see this movie, but thought that I should get through the entire series first. Well, as it turns out, I could not get through the entire series before the movie was about to leave theaters. I convinced another intern to join me and we went to see the movie together.
Which character did I like best in the movie?
My favorite character was Samantha. I felt like she had the most growth throughout the entire series and the movie. The others seemed a little bit two cookie cutter when they came on the big screen. Actually, Samatha had some uncessary cheesiness to her as well, but I still liked her.
What was my favorite quote from the movie?
When Samatha asked, "Does being in love with a man mean that I say his name more times in a day than I say my own?"
What will stick with me from the movie?
Friendship is vitally important. I think that sometimes it is better to let a show remain a great show instead of bringing it to the big screen.
If I could change one thing about the movie, what would it be?
Less brand name and product placement.
Who would enjoy this movie?
Die hard Sex in the City fans and those who would like to watch a tale of friendship.
Which screen is this movie best viewed on?
Either one is fine.
Other comments?
If you are expecting an extended episode, the movie is not as tight as a regular show.
Website: Sex in the City Movie
References (1)
Response: Escorts services


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The ranking is based on precise performance on the weekly Billboard Hot one hundred chart. In one among her studies , she and her colleagues hooked up contributors to an fMRI machine and recorded their mind activity as they listened to a favourite piece of music. Even those fascinated within the second half need to admit that it doesn't should do with the ebook title and is extra like Powell's previous ebook, How Music Works".
I discovered the primary part of the e book about persona, mood, development, and music taste to be interesting. This 12 months, at the ripe old age of 40, I decided to learn to read music and play the keyboard. It makes an attempt efficiently to answer the question of why you want music, and what are the secrets that make particular music interesting.
In different words, they are afraid that in the event that they choose a song that only they enjoy, that their visitors will not have the same taste in music and can disapprove. Marianas Trench (2011) Desperate Measures" Ever After The most important reason I selected this tune is as a result of I love the way in which the singer says the words.
The primacy of the voice, and the affiliation of musical sound with prayer, were thus established early in the history of Indian music. So they reside their lives in mind, maybe mired within the manic defence, and they efficiently wall off the painful.
We would like individuals from across the nation to know that Love Music Hate Racism is again and inspire them to get involved by placing on local gigs and publicising the campaign in faculties, colleges and workplaces. Professor Jane Davidson works within the fields of psychology of music, arts and well being, historical past of emotions and music efficiency.


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February 3, 2016 Update: I've been informed that the date on the rear art is incorrect for "Blind Willie McTell" - it should read August 5 instead of April 5. I'll try to get new art up as soon as possible.
Monday, February 1, 2016
From New Orleans To New Jerusalem: Unreleased Live Recordings, 1997
February 3, 2016 Update: I've been informed that the date on the rear art is incorrect for "Blind Willie McTell" - it should read August 5 instead of April 5. I'll try to get new art up as soon as possible.
12 comments:
I love the first of the month! Looking forward to this. Thank you.ReplyDelete
Brilliant - thank you so much!ReplyDelete
Wonderful stuff as ever CS. Thank you so much and as always the notes are a fascinating insight to a masterfan!ReplyDelete
Thank you very much! I greatly enjoy your notes, especially the reflections on why some "popular" renditions don't make the cut. I feel that we all greatly benefit form your deeper and more thorough examination of these issues!ReplyDelete
Hi, thanks again for this one !ReplyDelete
I was going through some of your older offerings and wonderin' if you would ever consider making a collection of covers from our beloved Bob ? I thought about that when I ran into "Memories - Fall 2002" : Boom Boom Mancini is but a bonus track, Old Man and Brown Sugar are left aside ? That's the sound of my heart breaking right there !Replies
Good question! I don't regret leaving aside "Old Man" and "Brown Sugar" since neither, particularly the second, were performed with the same panache as the tracks that made the cut - my opinion only, of course. I'm not planning to put out a covers record, since covers turn up on so many of my already existing and more thematically coherent CDs, but I am going to do another "Odds and Ends" release at the end of my second run. I'll take these covers into account when I publish those.Delete
Great, I'm really looking forward to this !Delete
Don't see enough '97 shows about, so I'm grateful for this. Thank you.ReplyDelete
One Day Tirupati Tour Package From Chennai in shadhanasricabs.We offer different Tirupati Packages.Book Tirupati holiday packages in shadhanasricabs .ReplyDelete
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Most of the Motorcycle Enthusiasts like to go away on a long ride or a long road trip. Invariably such a trip requires lots of planning and preparation
Let us make a list of things to be done before your motorcycle adventure begins:
1. Road map in folds or an mobile with Internet connected will be helpful for navigation.
2. Motorcycle Tool bag or a kit with simple tools cable ties, screwdrivers, pliers, a couple of standard size wrenches, and a repair manual may save the day in case of a problem.
3. Extra Pair of clothes and a rain coat on top for emergency can save lot of trouble.
4. Light Snacks for the road like road-nuts, dried fruit, power bars, granola bars, water, and a couple candy bars would be enough to satisfy the sudden hunger pangs if you are away from motels.
5. A couple of essential items you need personally could be included on your list.
Packing the luggage on the motorcycle in a well balanced way will save a lot of energy and provide much needed safety for a well-balanced, relaxing ride to enjoy the wonderful trip on the road.
For More Information on motorcycle and motorcycle parts from branded manufactures click HERE.


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|It seems there is an unwritten law which requires waffles in blog photos
to be stacked, drizzled with syrup and patted with butter. Seems like a brilliant plan to me.
Wednesday, September 4, 2013
Apple Cinnamon Cake Waffles
4 comments:
These sound so fantastic!ReplyDelete
I'm totally pinning this for future reference. I don't have a waffle iron but I've been hinting strongly this year for Christmas ;)
Wishing you an amazing day.
These sound so good! I'm going to have to try them!ReplyDelete
My god that picture looks so good....ReplyDelete
I am always looking for a new recipe and your Apple Cinnamon Waffles fits that bill perfectly. I can't wait to make them, especially with fall weather arriving. I bet your house smells great while they are cooking.ReplyDelete
I would love to have you to link up at my weekly Clever Chicks Blog Hop: http://www.the-chicken-chick.com/2013/09/clever-chicks-blog-hop-51-with-egg.html
I hope you can make it!
Kathy Shea Mormino
The Chicken Chick
Comments make me smile. And who doesn't love to smile? So...comment away! And if you have any questions, please ask.


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Computing in the Cloud Is it Right for Your Organization
An Interview with Kevin DeCoster
Cloud computing has recently emerged as one of the most important trends in information technology. Though some observers insist the concept has been overhyped, most experts believe it represents a significant transformation in the way software is being delivered and used.
No one can deny the market for cloud-based solutions is growing rapidly. According to Gartner Group, the market for Software as a Service (SaaS), a primary application of cloud technology, will total $14 billion by 2013. McKinsey & Company estimates that SaaS is currently growing at a 17 percent annual rate.
In this interview Kevin DeCoster, a director in RSM's technology practice, shares his insights on cloud computing and the pros and cons of using a cloud-based Customer Relationship Management system, or CRM.
Kevin, it seems likely that most businesspeople have at least heard of "cloud computing," but it appears a fair number remain a bit unclear on the concept. Can you enlighten us?
In basic terms, cloud computing refers to a delivery model in which software applications and network infrastructure, like data storage or email servers, are provided over the Internet as a service. Traditionally, these technologies would reside within a company's server room/data center or on an individual user's hard drive. With cloud computing, a user located virtually anywhere in the world and operating virtually any device -- PC, iPad, smartphone, whatever – can gain access to information and services via an Internet connection.
Then I'm guessing a lot of people who are unfamiliar with the term "cloud computing" are nevertheless already using the technology, right? I mean, wouldn't having an e-mail account through Yahoo or Google be considered "cloud computing"?
Strictly speaking, yes. Any time you store information on someone else's computers and then access it via the Internet, you're involved in cloud computing.
So then why is cloud computing generating so much buzz?
One reason is that many companies that have traditionally maintained their IT and data management systems in-house are migrating steadily toward cloud computing solutions. Growth in cloud-based applications is likely to outpace the growth of on-premise software fairly quickly, particularly among small and medium-sized businesses, or SMBs. Many organizations – not only businesses but universities, nonprofits and others – are recognizing the inherent advantages of cloud computing.
Such as?
Cloud computing offers a variety of benefits, particularly for organizations that haven't already made huge investments in IT infrastructure and staff. The managers of a typical start up or SMB have to keep a close eye on cash, so they'd rather not devote scarce resources to computer hardware, software and IT personnel, if they can help it. Operating from the cloud tends to be the less expensive option, at least initially, since the buyer is charged a relatively small monthly fee instead of the one-time payment common with traditional software licenses. And in many cases you are charged on a usage basis, which means there is little waste; you're not paying for the software when you're not using it.
So cost savings are the primary benefit?
While many users initially are attracted to cloud computing because of cash flow considerations, that's not the only reason businesses are migrating to the cloud. Small companies with relatively limited IT resources like it because it empowers them with sophisticated business processes that previously were only available to their larger competitors. But much larger organizations, including many with substantial IT capabilities, are also taking advantage of cloud computing.
What do big businesses find appealing about it?
We live in a world where change is constant; even the largest, most powerful corporations have to stay on their toes and be able to adapt quickly to fluctuating conditions. Cloud computing provides an impressive level of flexibility; companies not only can minimize fixed costs but can scale up and down almost immediately, making quick adjustments as workloads increase or decrease. It also can facilitate innovation and rapid decision making.
Are you seeing applications where the cloud option is particularly popular?
A wide range of cloud applications are being used by consumers and businesses -- everything from VoIP to online photo management. It's become particularly popular in situations where collaboration is important and/or where people are geographically dispersed. For example, one application we're seeing move to the cloud fairly rapidly is CRM.
That makes sense, since CRM is used by sales departments, which typically have people located all over the country, and all over the world, for that matter.
True, the use of CRM was pioneered by sales and marketing departments, and they continue to be among the most active users. But we're seeing organizations use CRM in a variety of departments and disciplines. For example, we currently are working with municipalities to help them manage a variety of local government functions, such as managing the workflow associated with building permits. Another example is our work in the health care field. We're helping clients employ CRM technology to track patient compliance with treatment plans, patient outcomes and overall cost of delivery. I suppose you could call that application "PRM," for patient relationship management. Microsoft actually refers to its CRM product, Microsoft Dynamics CRM 2011, as an "XRM" solution to emphasize its applicability beyond just sales and marketing.
Aren't companies hesitant to store the kind of information typically found in CRM systems on another company's servers? We're talking about detailed, proprietary information about current and prospective customers, among other things. Aren't they worried about security breaches?
It wasn't that long ago when a lot of business people agreed with you. Companies that had significant security concerns, or that had fiduciary reporting responsibility, sought hosting providers that carried an SAS 70 report or complied with SSAE 16 and ISAE 3402 standards. Today, most of the people with whom we consult recognize that the top-tier cloud providers offer levels of security that few organizations can match. That's not to say there no longer are compliance-related considerations, particularly in areas of the federal government and among organizations with fiduciary reporting responsibilities. But such considerations exist regardless of whether their IT solutions are on-premise or cloud based. We often help clients analyze compliance requirements and then identify the cloud providers best able to meet their particular needs.
So should every company that's evaluating a new or upgraded CRM system opt for the cloud computing option?
Helping companies select, install, configure, manage and maintain their CRM systems is a big part of our business, and we don't push our clients toward one particular solution. Naturally, when a client is evaluating CRM options, one of their key considerations is whether to maintain the technology on premise – that is, license the software and install it on the client's own systems – or have it hosted by a third party. For some companies, particularly those that already have made substantial investments in IT infrastructure and personnel, going the on-premise route makes sense. Others may have particular tax or regulatory compliance issues that can make the cloud option more challenging. And on-premise licensing can provide some cost savings over the long term – say, five years or more. But even that is changing as economies of scale are enabling cloud providers to lower their costs.
Frankly, today we are seeing relatively few companies elect to go the on-premise route. The vast majority are electing to have their CRM hosted by a firm like ours or by a cloud provider such as Microsoft.
So what are the key factors one should assess when determining whether or not cloud computing is the best option for your organization's CRM system?
Many of the factors that make cloud computing attractive in general are of comparable importance when evaluating the pros and cons of your CRM options: relatively small upfront costs, the ability to deploy rapidly, the ability to scale up or down quickly, etc. When buying a CRM system, you want to make sure your vendor is stable and reliable; this is particularly important if that vendor will be maintaining your system offsite.
Another important area to consider is the ability to integrate your CRM with your existing enterprise applications. Most of the top cloud providers offer good integration capabilities, and it often is no more difficult to achieve this via the cloud than it is to do on-premise. However, there can be challenges when trying to integrate, say, data from on-premise ERP systems with data from a cloud-based CRM system. In such cases your best option is either to stick with an on-premise solution or partner with a firm that can host – and integrate – both applications in the cloud.
When assessing your CRM options, is user acceptance and adaptability an important consideration? Do most users find cloud-based systems more difficult to use than on-premise systems?
Overcoming user resistance is a crucial consideration when assessing CRM systems. One of Microsoft's biggest selling features is the ease with which new users adapt to the Dynamics CRM 2011. The reason: it's based on one of the most widely used programs in corporate America: Microsoft Outlook. However, while that may be an excellent reason to select the Microsoft product over a competing system, it's of little use in helping you compare cloud-based and on-premise options. Most of the top cloud-based CRM solutions are as easy to use – and in many cases, easier to use – than their on-premise counterparts.
Well, there's a lot to think about, but it sounds like cloud computing is a very attractive option for a lot of computer applications, including CRM. Any final caveats or suggestions you'd like to share?
Take a close look at your service-level agreements (SLA) to make sure there are no hidden costs that could come back to bite you. You need to be very clear what you are getting – and what you are not getting – in your SLA. While this is always a useful exercise, it can be particularly important when purchasing any cloud service. This is perhaps of less concern when dealing with Microsoft; most of its offerings are pretty standard. Salesforce.com, on the other hand, provides a larger array of options. That's not a knock on Saleforce.com; having an array of choices can be beneficial. You just need to carefully evaluate them and know what you're getting.


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Indiana-based American Senior Communities is suing its former executives over claims they embezzled millions from the nursing home company in a years-long kickback scheme.
The civil suit follows a major federal money laundering and fraud indictment last fall.
Former American Senior Communities CEO James Burkhart and his COO Daniel Benson were indicted in October 2016 on charges of money laundering and fraud.
They allegedly used shell businesses to overcharge their own company for various services, then pocketed a difference of $16 million.
The jury trial in that criminal case is set to begin Jan. 29, 2018, according to the U.S. Attorney's office.
Meanwhile, American Senior Communities, or ASC, is seeking its own damages.
"The lawsuit seeks to recover losses and damages ASC sustained by virtue of the actions of Burkhart and the other defendants," says spokeswoman Sherri Davies in a statement. "ASC expects its complaint will be resolved after the criminal case concludes."
The civil suit alleges the former executives bought lavish gifts, travel, entertainment and even gold bars with the embezzled funds. It also says they received $3.1 million in improper reimbursements for personal expenses.
Burkhart's attorney says in a statement her client plans to vigorously defend himself against the claims, and that ASC in fact owes him millions in unpaid compensation.
The company runs 78 nursing homes and four assisted living facilities in Indiana. It says it has 9,000 residents and about 10,000 employees at all of its affiliates.
This story has been updated to include a statement from American Senior Communities.


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Love this knit sweater I bought by Topshop, goes well with almost everything. The bold stripes make the outfit, I think, I didn't find the need to accessorize or add an overload of other prints.
I also bought (the perfume) Flora by Gucci during my transit in Singapore. Best perfume I own, I reckon. I don't usually splurge on perfumes, I only own a couple that I use often, but I HAD to have this one.


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Spiritual programme
Drogmi Buddhist Institute conduct regular practices and workshops in Sydney, and various retreats throughout the year in Sydney and the Blue Mountains, as well as Khenpo Ngawang Dhamchoe's teaching programme around Sydney and Australia.
Regular group practices
While individual practice is important, many of us find it beneficial to practise with a group of like-minded people, especially in a setting where our teacher can give guided meditations and explanations. Our practices include meditation sessions held on Sunday mornings in our simple, beautiful shrine room.
Workshops and courses
Study is another important aspect of Buddhism so we can learn what to adopt and what to abandon. It is helpful to have a teacher to guide us, and spiritual friends for mutual support.
Retreats are a time for reflection and contemplation of the Buddhadharma and are an essential aid towards training our mind and establishing strong spiritual foundations. We offer the opportunity to take personal individual retreats, or join our group retreats throughout the year.
The retreats that we conduct include an annual Shamatha retreat and retreats relating to specific meditation practices such as White Tara or Vajrayogini. Our retreats are usually a blend of teaching, immersion in traditional Tibetan Buddhist practice, and quiet time to absorb the learning of the day. As an example, the daily routine during the Shamatha retreat includes:
- morning Green Tara practice
- morning Shamatha practice and teaching
- teaching on a particular text or topic, by Khenpo Ngawang Dhamchoe
- discussion time for questions and answers
- evening Vajrasattva practice
There is plenty of free time to enjoy the space and the community of other retreatants, or for your own personal practices. There is also a period of silence during the day, known as noble silence - a further opportunity to quiet the mind, giving all of our senses a rest and deepening our reflective experience without the distraction of chatter or conversation. Noble silence helps us learn to refrain from saying everything that springs to mind, to train ourselves to reduce harmful speech which can cause suffering to others and ourselves.
The benefit of retreat can be far reaching - but retreats can be challenging as well as rewarding, so there are opportunities throughout the days to talk to our teacher, ordained Sangha or senior students about any difficulties you encounter.


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Lagos pays N18.598 billion accrued pension
Specifically, out of this, 362 retirees received N1.647 billion for the month of September 2016.Speaking at the 31st Retirement Benefit Bond Presentation Ceremony, which took place at the office premises, Alausa, Ikeja, the Director-General, Mrs. Folashade Onanuga said the payment has been made possible because the Governor, Akinwunmi Ambode is very much concerned about pensioners' comfort.
Onanuga gave a lifestyle talk to the retirees, and advised them to take care of their health.She said the importance of water which should be taken early in the morning and on the need to carry out light forms of exercises to make them fit.
Speaking further, she also advised them to be mindful of Pension fraudsters and encouraged the retirees to live a life of contentment. "Please do not invest your money in ventures you know nothing about in the process of making huge gains. The higher the gain, the bigger the risk, and at your age you should not be a risk lover as it may affect your health adversely," Onanuga said.
In a related development, the Lagos State Government through the Commission has paid to named beneficiaries of deceased employees, Insurance benefit worth, the sum of N42,305,071.99 billion.
The Director-General, said the insured death of 320 per cent of the terminal salary of a deceased staff is designed by law to be paid in the first instance to alleviate the immediate needs of the family members left behind.
She noted that the estate of the deceased are also entitled to receive the balance in the retirement account and accrued rights due, if the employee had joined service before the commencement of the Contributory Pension Scheme.
In appreciation, one of the beneficiaries commended the effort of Lagos State in the payment of pension despite the economic downturn the country is passing through.
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Sunday, May 19, 2013
You Light up My Life
15 comments:
Sharon very thoughtful and a lovely post:)ReplyDelete
You lit up my Sunday afternoon. I love the chandeliers, although I lean towards the French wooden chandeliers and the lanterns. So very pretty.
I am constantly surprised how satisfying this whole blog world really is...the give and take makes me so happy. Thank you for always entertaining me with beautiful images and wonderful words.
- AnonymousAugust 16, 2013 at 7:34 PM
I may be late on this post, but could not help stopping to comment here. You are so right. The whole blog world is indeed so very satisfying (and complete). Sitting in Sweden on an overseas posting, I do not miss my regular TV(not that I did watch much), reading material or even speaking in English. I get so much of happiness and my world is complete, thanks to all the special work brought to us here!Delete
Thanks Sharon!
Sharon such a beautiful post and has definitely lightened my day! I know what you mean about life chores getting overwhelming at times and you just feel like everyday is the same! I love these chandeliers and I too like delicate ones. I also really love the South Africa ones ... very beautiful! My eldest son lived in Cape Town for about 3 months two years ago when he was shooting a film there. He absolutely adored it and wants to go back!ReplyDelete
best wishes and thank-you for visiting!
Sharon...such a pretty post...love so many of these...ReplyDelete
- AnonymousMay 20, 2013 at 7:42 AM
BRILLIANT POST!ReplyDelete
Light fixtures are SUCH an important thing in a house!
I HATE (very few things in life do I "HATE" but I do!) recessed light fixtures! So completely overused in today's houses.......to their detriment....in my opinion! HATE!!
(that "rant" is over!
Moving on.....there are lovely and amazing light fixtures out there!
(I am writing a blog about this.....but here is a bit of a preview.......since you brought it up!)
They have been building a house......(in Ojai, California.) (right near me!)
It has "flown up"!
take a peek at the light fixtures! (take a peek at ALL of it) best house ever built...
and in record time!
This is the racehorse of a contractor.......He just won the "triple Crown"!!
Steve and Brooke.....won't take any credit......don';t be fooled!
But "RODY and his dog get the TROPHY!!!"
Thank you for a post full of chandeliers.ReplyDelete
One of my favorite things in the world,
right up there with flowers and smiles.
Sharon I've been on the same side of life and having a blogger pick me up and light up my life. People are generally wonderful and giving aren't they? Now there's a lantern above that I've fallen for and I need to go search it out! Beautiful post!ReplyDelete
Never get bored when it comes to beautiful lighting...these are all amazing and lighting can so make a room. Beautiful!ReplyDelete
The pleasure is all ours, Sharon. Your posts are always a delight. Today's is special because I also love chandeliers of many different stripes -- from subtle to shimmery -- and lanterns and bell jars and pendants and sconces and on and on. My favorites are invariably vintage or antique and I have used a variety in my home. I look forward to your follow-up post. Lighting, well-chosen as you have, is never boring.ReplyDelete
é maravilhoso vir aqui e encontrar essas maravilhosas inspirações. Amo esses lustre. Na minha casa só tenho um bonito. O resto é ventiladores, aqui é muito quente.
A mulher moderna está cada dia mas sem tempo de nada são muito os afazeres. Mas me sinto feliz de estar aqui.
Best wishes...
You have certainly got me thinking about my inside and outside lighting. Time for some changes around here. Great photos...all so inspiring. Thanks!ReplyDelete
Some days I can't wait to sit down and have a look at your beautiful blog-so much inspiration and I can lose myself instead of doing all those boring things we have to do over and over xxReplyDelete
Hi Sharon, wonderful post! Your blog is very inspirational it's got me thinking about our lack of lights in our home. My husband and I can never agree but I think we may have found a pendant we like! We are finally finding good lighting in Australia that is not priced out of our reach. Take care x KerryReplyDelete
- AnonymousMay 24, 2013 at 10:57 AM
J'Adore this post!ReplyDelete
I love picture n. 1-3-13. These are my favorite chandeliers.
Have a great week end.
Bisous, Babi


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COSTA MESA — The city's main legal counsel charged $817,913 in fees for the 2010-11 fiscal year — the most the Jones & Mayer law firm has billed the city for a single year, records show.
Costa Mesa spent twice as much on city attorney-related costs in 2010-11 than in the previous fiscal year, going 54% over budget for such expenses this past year, according to the records.
The invoice from the Fullerton firm, which the city started contracting with in 2004-05, was $287,363 over the $530,550 Costa Mesa had budgeted. City Hall does not have inside counsel.


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Climate change
Gender and climate change
The case for gender equality in climate change policy is shifting towards a more rights based approach.
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The way in which climate changes affect people is highly dependent on their position in society and, therefore, also on their gender. The Sustainable Development Goals recognise this link -between global social inequality, gender inequality and climate change - and there is growing recognition that they share common roots and, therefore, solutions. As a result the momentum for mainstreaming gender equality in climate change policy, research and practice has been growing for some time. But there has been a noticeable shift in emphasis over time which is resulting in some interesting tensions.
The case for gender equality in the climate change context (and beyond) is being built along a continuum from a more instrumentalist to more rights based approach. Instrumentalism, on the one hand, promotes gender equality for the sake of an ulterior purpose, such as social, financial, or environmental benefits. It describes women and girls as an "untapped resource" in the global response to climate change. The rights based approach, on the other hand, describes instrumentalism as exploitative and insists on the importance of pursuing women's rights and gender equality as a goal in its own right - no matter the cost or co-benefits of doing so. Feminist advocates for gender and climate justice call for deeper more fundamental changes to the development model, and indeed society more broadly, that the instrumentalist approach is based on.
This Guide explores some of these ongoing debates and highlights some key resources for those of you that might wish to delve a bit deeper into the topic. In looks at women's leadership and empowerment - a key element of bringing gender equality into the global response to climate change - and examines progress on gender in climate policy and finance mechanisms. But let's start by looking at how the discourse on gender has influenced responses to climate change impacts.
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Beyond the "vulnerable and the virtuous"
Climate vulnerability and risk depend not only on how serious a climate hazard is (drought, flood etc.) but very strongly on the livelihood assets, social networks, skills, knowledge, and position in society, of the people affected by that hazard. As a result the levels of hardship resulting from climate change can be highly variable across different populations, and gender inequality is one key factor in this - alongside other inequalities on the basis of ethnicity, age, race, caste, religion, etc.
In recent years, a narrative has emerged that "women are more vulnerable to climate change than men". This builds on the growing evidence of how discrimination against women in areas such as law, social rules and behaviours and the prevailing levels of gender-based violence have deep repercussions for women's and girl's lives in the face of climatic shifts and disasters. It's a compelling narrative that has certainly led to the targeting of women as a strategy to achieve change, often with positive results for the women involved.
The risk behind these statements, however, has been the portrayal of women as one homogenous group – "vulnerable and virtuous" at once, as Seema Arora-Jonsson put it. By failing to involve men and boys, these strategies have not necessarily addressed the root causes of inequality and have frequently built on generalised stereotypes. For example, assumptions that women generally are disempowered, or that they have particularly well-meaning attitudes toward family, community and the environment.
Gender Inclusive Research: Why and How
Addressing the underlying social power relations and structures that produce inequality requires not only working with women but also with men, not just empowering women and girls in isolation but also working with people in powerful positions to change laws and challenge dominant social norms. In other words it requires addressing attitudes and behaviours across all of society. Let's take as an example the disproportionate role played by women in providing unpaid care work. If women's empowerment to address climate change only means increasing their participation in the public domain and formal economy, without rethinking the distribution and recognising the value of unpaid care work, 'women's empowerment' can quickly become 'overburdening women'.
Most available case study evidence on gender and climate change deals with these 'classic' gender analysis issues in more or less detail. But this idea of a 'gender-transformative approach' is only beginning to take hold specifically in climate change programming - which brings with it a range of new aspects and practices whose gender dimensions are not yet well understood. Only a few tools and studies to date have been designed specifically to address these challenging new aspects of climate change but very good examples such as the Pacific Gender and Climate Change toolkit and Gender and inclusion toolbox show progress is being made in this area.
Progress on gender in climate change policies
So as the discourse on gender and climate change moves forward how is this translating into policy changes?
The short answer is that it is a very mixed picture. The international climate change policy and financing architecture, under the overarching frame work of the UNFCCC, is vast, complex and constantly shifting as new agreements and mechanisms come into being, or existing ones are amended.
Like all negotiation items in the UNFCCC, gender and other social questions often fall victim to trade-offs in the countdown toward a universal UN agreement so staying on top of negotiations is a time-intensive race against time. Several organisations have dedicated staff focusing entirely on this policy process and its related mechanisms, and produce useful guidance as a result - see for example the regular updates by the Women's Environment and Development Organisation (WEDO).
The good news, though, is that persistent lobbying by gender and climate change advocates has led to some positive shifts in global climate change policy and financing mechanisms in recent years. After being sidelined for many years, gender equality is now a standing agenda item in the UNFCCC, receiving dedicated airtime in each round of negotiations.
In March 2015, the Green Climate Fund - the most significant global effort to pool and disburse finance for action on climate change - was the first to adopt a gender policy and action plan prior to initiating spending. This is remarkable, given that all other global climate financing institutions to date had to 'retrofit' their setup and funding criteria and process to reflect gender principles.
Things are also progressing at national levels where, especially in low and middle income countries, the number of policies and action plans on gender and climate change is growing. IUCD's Gender & Climate Change Action Plan (ccGAP) initiative is one critical effort to reduce the 'implementation gap' between ambitious policies on the one hand and often poor real outcomes on the other, and their 2013 report features the action plans developed by eleven countries, from Haiti to Nepal.


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Dear Orlando,
So, I hear your boy Johnny Depp has signed on for the fourth installment of Pirates of the Caribbean. Everyone keeps pointing out how you and Keira Knightly swore up and down that you were done with the series. Hey, it doesn't matter to me because if you want to know the truth I never could sit through the second one. The third time around I didn't even try. If it makes you feel any better I can watch you get nekkid in Troy til the cows come home. Hmmm…Troy….
What was I saying? Oh yeah, Pirates. Um, no offense, but are you sure you don't want to take that job? I hate to be the one to point this out but you haven't exactly worked lately. And it's only going to get worse. Have you seen this?
I hope you don't mind, but I have some career suggestions for you. You know, just in case. Read More »