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Nearby tax havens like the Cayman Islands, Panama, Barbados, and The Bahamas have become prominent financial centers rivaling the industrial cities such as London , Tokyo and New York for business . The pint sized Cayman Islands now boast more commercial banks (530) in the commercial registrar than in all California . The dollars on deposit in these Cayman banks exceeds $390 billion , which is also more than all the commercial banks in California.
The Bahamas, just 50 miles off the coast of Florida, was once the third largest financial center in the world next to New York and London . Today the Bahamas still ranks in the top ten, just behind the Cayman Islands. There are more than 390 banks and trust companies registered here in Nassau.
The Bahamas, the Cayman Islands and Bermuda have no personal income taxes, no corporate income taxes, no capitol gains taxes, no withholding taxes, no estate, gift or inheritance taxes, no sales taxes, no employment taxes, no death duties, and no probate fees. Guarantees against future taxes are provided by these governments for periods up to 50 years. Exempt trusts can receive guarantee up to 100 years.
Question: Do you have contacts in the Bahamas who are trustworthy? What costs, will I incur in setting up a company in the Bahamas?
THR: My partners include a mid-size Law firm with an office here in downtown Nassau and a U.S. tax consultant. These lawyers have over 40 years of business experience here in the Bahamas.
Costs to form IBC (include Government and
associated fees) - $1000
Cost for registered agent (accountant and registered office, also 2 trustees for trusts) - $500 pa.
Trust instruments (2 deeds) -$300
My advice for steering you in the right direction, forming your company and opening up a company bank account - $300
ANNUAL MAINTENANCE (registered office,
trustees, registered agent)
paid annually, from the date that the company documents are issued - $600 pa
Annual Government and associated fees - $250 pa
Our advice to these entities on a annual basis - $200 pa
Our law office will also be the registered
office and registered agent for the IBC. (Their address, fax number, telephone number, will all
be made available). We use two trusts in the business plan with
a non- U.S. person (the IR code refer to them as non-resident
aliens) to act as trustees.
Lawyers and Banks charge substantially more to do the same thing. Lawyers also charge extra for drafting the trust instrument. Some Law firms and Banks charge upwards of $5000 just for the trust indentures. Administrative fees at the larger local banks can also make their costs skyrocket. It is my opinion that a trust indenture drawn by a Bahamian Lawyer or trust company is all but worthless to a U.S. Taxpayer. They simply are not trained or knowledgeable in U.S. Tax Law .
Question: Is it necessary to use a trust and holding company in a business plan?
THR: We think so. It is our opinion that you should try to circumvent the United States CFC provisions (IRC § 957(a)). If you are fortunate to find a foreign partner who can own 50% of your offshore company that is one recognized plan. Eleven U.S. shareholders each owning 9% of the offshore company is also a legal and approved structure for avoiding the CFC status. For the U.S. taxpayer who wants to remain independent (without partners), his plan probably should include a company and a trust as outlined in my book.
More FAQ'S from the Tax Haven Reporter
Question: What extra forms must I file with the IRS after the company is formed.
THR: The Bahamian IBC and Trusts will legally have no income tax returns to file with the IRS . They will not be CFC's (Controlled Foreign Corporations). Neither you nor the offshore managers have to file Forms 3520, 3520-A , 5471 or any other information regarding the IBC to the IRS.
Question : Who opens the bank and securities accounts for the IBC's?
THR: Investors will be able to open a bank and security account for their IBCs so they alone have signature authority over the accounts - and that's the way most clients want it. We have arrangements with several of Nassau's Major banks. We can provide you with the bank's application form, signature cards, bank brochures etc., so you can open your account without physically flying into the Bahamas. You can obtain a VISA and/or debit card from the Bahamas largest bank, too. You will need a reference letter from your local U.S. banker, but these are easy to obtain
The Bahamian banks we deal with have been in operation here in Nassau for over 30 years.These banks have subsidiaries in all the other tax havens, including the Caymans', Hong Kong, Monaco, Zurich, Gibraltar, The British Virgin Islands and Jersey in the Channel Islands. One is a giant British bank with more than 2000 offices worldwide. One of the banks has no offices in the United States.
You can choose which ever bank you want. With either of these
banks, clients can open brokers accounts anywhere in the world
and trade under the guise of the Bank's name. The clients IBC
does not appear on the stock certificates, and his anonymity is
totally preserved.
Masking a clients stock market trades is a traditional way of doing business here in the Bahamas and in the other tax havens . It is done by most all the major bank and trust companies. Banks in the Bahamas do not have to file tax returns with the IRS .
The Bahamian Bank Secrecy Code forbids any bank executive or advisor from giving information to any outside tax collector, attorney or foreign court.
Question : What can I invest in offshore ?
THR : There are few restrictions as to what an IBC can investing. U.S. stocks, bonds and mutual funds are frequently bought through offshore companies because they are not liable to U.S. capital gains taxes. Treasury bonds, bank CD's, options, futures and commodities are also purchased through offshore companies. No U.S. withholding taxes are payable on such incomes as long as the IBC does not open an office or carry on other business in the United States .
Using these Bahamian Banks you will be able to trade on any stock exchange in the world at a cost equivalent to to those incurred using a discount broker such as Charles Schwab.
You can of course, call your own shots on what stocks and bonds or mutual funds the IBC purchases. You will pay only the brokers commission (=3c, per share), plus a nominal fee for having the stock certificates put in the Bahamian Banks name instead of the IBC's.
Question: You live in the Bahamas. Who are some of the big names using that haven as a tax shelter?
THR : Business people from around the globe use the Bahamas as a tax haven. There are currently over $190 billion dollars on deposit in Bahamian Banks. Former U.S. citizen Sir John Templeton (on right), knighted by Queen Elizabeth II of England, lives in Nassau . Templeton managed over $20,000,000,000 for clients worldwide. He gave up his U.S. citizenship years ago, probably to escape the USA's 55% estate tax on estates over $2.6 million dollars . U.S. treasury secretary Nicholas F. Brady (P.O.Box N-7776) has a home in Lyford Cay. Remember it's his branch of the federal government that was responsible for writing the Treasury Regulations under IRC §951 thru §958 for CFCs back in 1962! There are forty or fifty Bacardi's (the rum distillers) living in Nassau, billionaire fashion designer Peter Nygard(on Left), Mike Dingman, Sean Connery, the list goes on and on. Incidentally, the Lyford Cay area is a millionaire's row here in Nassau.
Question: How can investors learn more about these tax havens?
THR: My latest addition of TAX HAVENS OF THE WORLD ($75), and newsletter ($150 for 12 issues) would be most useful in helping you develop your offshore plan . As an internet special , customers that order a years subscription to the Tax Haven Reporter will receive a free copy of Tax Havens Of The World .
Tax evasion is not illegal in the Bahamas,
since we do not have income capial gains or inheritance taxes.
Tax evasion is not considered suitable grounds for ordering
access to information about an account - from Welcome Bahamas
- pg .71 Our #2 Industry Banking.
While a Bahamian Company may offer tax advantages to non-Bahamian beneficial owners under certain circumstances, it is essential that the laws of there own country be carefully considered before action is taken. Unless adequate planning is undertaken, the tax advantages may ultimately be lost to the owner. Consideration must be given to the ultimate disposition of accumulated funds "Touche Ross International" (Bahamas).
Back To Tax Havens Of The World


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What does MBCIS mean in Unclassified?
This page is about the meanings of the acronym/abbreviation/shorthand MBCIS in the Miscellaneous field in general and in the Unclassified terminology in particular.
Michigan Breast And Cervical Information System
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subset: commoncrawl


text: I'm looking for a 10' 4wt. rod for targeting sea-run Cutts off the beach. Most of my fishing will be at the distance of 40-'60' but on occasion I need that extra "punch" to throw 70'-80'. Some of the 10' 4wt. rods I've tried don't seem have that power needed. I used to own a Loomis Classic GLX 10' 4wt. that was able to reach those distances. I haven't tried the Sage ONE 10' 4wt. yet. I'm also thinking of the new Echo 10' 6" 3wt. switch rod that has a grain weight range of 150-210. Any other 10' 4wt. rod past or present that would fill my requirements? Many thanx.


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I started my adventure in woodworking over 20 years ago. Over the last 20 years woodworking has gone from being my hobby, to being one of my life's greatest passions and a real part of my identity. There is a sense of accomplishment that comes at the end of every project– from taking something in its raw from and turning it into a piece of art.
This site is designed, not just to showcase my art but, to introduce you to or help you with your journey in woodworking. We will be taking a look at the fundamentals of working and tips and tricks that I hope will help you fine tune your techniques.


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GO beyond the Christmas tree and traditional nativity scenes by spreading the festive atmosphere throughout the home for the ultimate celebration.
A WI-FI enabled robotic vacuum cleaner, just released, has been described as 'the smartest, most powerful robotic vacuum cleaner" by a world leader in independent tech product reviews, CNET magazine.
THE purist approach to tableware - all white with stainless steel cutlery - has been left far behind in the race for a more relaxed, layered approach to dining tables.
CONSUMERS are being warned of the dangers associated with freestanding furniture and household items placed atop furniture that can topple over and cause significant injury and, in tragic cases, death.
KING Living has expanded its furniture collection, with a range of bed designs that can be indulgent, provide the perfect platform for sleep and help maintain order for a true sense of sanctuary.
ORIGINALLY designed for Japanese garnishes, the vegetable spiraliser has been transformed courtesy of a Swiss design-update that makes it more versatile and much easier to use.
INSPIRED by cooking shows and celebrity chefs, such as MasterChef, Jamie Oliver and Matt Moran, Australians' love of fresh herbs is at an all time high.
DANIEL Fenech is handing out a challenge to residents that is no April Fool's Day joke – go up a ladder for grandma or grandpa on April 1 and possibly save their lives.
AUTUMN, and the approach of a long weekend, is the perfect time to tick a number of backyard mini-makeover projects off the to-do list.


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The lights are on
What new ideas the game brings to the table and how well old ideas are presented.
How good a game looks, taking into account any flaws such as bad collision or pop-up.
Does the game's music and sound effects get you involved or do they make you resolve to always play with the volume down?
Basically, the controller to human interface. The less you think about the hunk of plastic in your hands, the better the playability.
Flat out, just how fun the game is to play. The most important factor in rating a game.
Stoic's The Banner Saga is a turn-based tactical role-playing game rooted in choice and consequence. The Kickstarter title from ex-BioWare developers blends beautiful graphics and a haunting score by Austin Wintory. Players are thrust into an unforgiving Viking world and forced to make decisions that determine characters and gear availability, as well as group morale. As a grim tactical journey through frozen wastes and fields of foes, Banner Saga succeeds.
Combat is a tactical tightrope. Brute forcing encounters isn't a viable option, and players may find themselves losing a battle or two even early in the game. With dozens of decisions to make during every encounter outside of positioning, tactics fiends will revel in the fact that simply eliminating an opponent may not always be the right choice. Due to the back-and-forth turn system that Banner Saga employs, foes may be more useful as a crippled turn-waster than a corpse on the field.
As characters level up via promotion, balancing raw stats and other options such as the expendable willpower resource becomes crucial. You manage quite a few resources in combat, from the basics like armor and strength to special abilities and armor break potential. Players call upon a large range of heroes, such as giant Varl that occupy multiple tiles, close range fighters, ranged archers, and even special caster units.
The act of promoting characters carries with it some degree of risk, as the character could be lost forever during storyline development. Game-altering choices like this can be looked at a few different ways. On one hand, it certainly drives home the theme that choices matter and have serious repercussions. On the other hand, losing a character that you've invested considerable currency in can be a difficult pill to swallow. Currency used to level up characters is also used for purchasing items and supplies to keep the caravan healthy and full, further reinforcing the "decisions matter" theme running underneath the game.
Traveling through the wilderness from town to town represents a significant portion of the gameplay, full of stops that require input from the player to move on. These range from "Should we eat these suspicious berries we found?" to "We're starving and out of supplies, should we threaten these poor farmers for their food?" Players also make more significant story choices that can add or remove characters from the party for good. Before you choose to send out Skafnard to examine those rustling bushes or invite a rather shady looking fighter to your entourage, make certain that your choices will protect the core team members that you're developing.
Even if you are the type of player who doesn't enjoy moving through dialogue menus, you should pay attention to these interactions or face potentially brutal consequences from a stray selection or misclick.
During caravan journeys, players also meet with enemies. Outside of the storyline battles, these encounters are an opportunity to pick up additional items and currency. While these battles are technically optional, skipping too many of them results in an underpowered team that may run into serious problems completing mandatory encounters, so the choice to retreat and lose some of the caravan's retinue should never be taken lightly.
In addition to managing all of the above, characters that fall or take serious damage during an encounter become injured, requiring rest to function at full capacity. Days of rest cost supplies, so this adds yet another element that must be weighed carefully in order to succeed. A playthrough can be damaged to the point where the game must be restarted, though that danger is mitigated by the ability to change the difficulty setting.
If Banner Saga could use more of anything, it's variety. The legions of Vikings and Dredge that players encounter have only a few different unit types and templates, and some variance would break up the tedious optional battles. Players gain access to a handful of interesting units and abilities over the course of the game, but the enemies feel like they could use some variation.
Depending on a number of factors, The Banner Saga should take around 5-15 hours to complete on first playthrough. Despite a few minor issues with enemy variety and the tedium of recurring encounters, Banner Saga stands out as an excellent tactical RPG with considerable depth.
Email the author Daniel Tack, or follow on Twitter, and Game Informer.


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Vital Archive: Robins Leaves For Huddersfield
Having begun the slow progress of turning around Coventry City's fortunes during his short time at the Ricoh Arena, Mark Robins left Coventry City a year ago this week to take on the job of Huddersfield Town manager.
The Sky Blues gave permission 'reluctantly' to speak to the man they had only appointed themselves in September 2012 after Andy Thorn's sacking and the subsequent winless spell of caretaker Richard Shaw.
'We are just hoping that when he weighs up his options and opportunities, he will see the great progress to date and the support he has from fans and management alike, coupled with the potential in Coventry, and decide to stay,' said chief executive Tim Fisher at the time.
Looking back at that quote, although 31,000+ had come out in force for the Johnstone's Paint Trophy area final, Robins will feel more than justified in his decision as Huddersfield occupy a mid-table berth in the Championship and spend money on the likes of Nakhi Wells from Bradford while City no longer reside in their home town.
To some extent the Sky Blues can say they have moved on as well with the appointment of Steven Pressley to instil a longer-term ethos into the club in which academy graduates have a big chance of becoming first team players and everyone knows the kind of style and system that the first XI employs.


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Blueberry-Bay Vinegar
The blueberry's sweet surprise is welcome in salads and savory dishes -- make the most of any broken-skinned or bruised berries by making vinegar.
Level: Easy
Yield: 2 1/4 cups
- 4 c. fresh blueberries
- 2 dried bay leaves
- 2 c. white-wine vinegar
- Make the vinegar: In a large glass jar, place blueberries and bay leaves and pour in vinegar. Store covered in refrigerator for 2 to 10 days. When vinegar is flavored to your liking, strain through several layers of cheesecloth or a coffee filter. Discard blueberries and bay leaves. Store in refrigerator for up to 2 months.
More recipes like this
From: Country Living
More From Food & Recipes


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JUNEAU (AP) The woman charged with second-degree murder in the Angoon stabbing death of Richard ''Buddy'' George in July will not get out of jail to live with her children, a Juneau judge has ruled.
Denni Starr, 22, is being held at the Lemon Creek Correctional Center on $50,000 bail.
She is accused of fatally stabbing George, the father of her two children, on July 26 in their home. The youngest child, 17 months, was believed to be in his arms when he was stabbed.
Defense attorney Phillip Pallenberg asked Juneau Superior Court Judge Larry Weeks on Monday to permit Starr to be released to her parents.
Her mother, Dolores Starr, testified that she and her husband live in Everett, Wash., but they have been staying in Juneau with the children since the day after George's death.
She said the children need to be with their only living parent.
Juneau District Attorney Patrick Gullufsen said he was concerned with the proposed arrangement.
''Are you aware of the allegations as to why there's only one parent?'' he asked the defendant's mother.
Starr is charged with endangerment of her 17-month-old daughter during the stabbing, Gullufsen said. The other daughter, age 6, is a prosecution witness, he added.
Pallenberg questioned whether the 6-year-old child would be forced to testify. Gullufsen said the child was a witness who provided incriminating evidence to Alaska State Troopers during their investigation. He said Starr changed her version of the events after being confronted with the child's story.
Starr's mother said she and her husband have not talked and would not talk about the case with the children.
Pallenberg said Starr poses no risk to the community. George's death, he said, has to be put in context of his relationship with Starr, who gave birth to their first child when she was 16 years old. The relationship included ''many years of domestic violence against Denni Starr,'' he said.
Weeks said he would consider releasing Starr to her parents but he did not want to release her into the home with her children.
He scheduled Starr's trial for Dec. 1 in Angoon.
© 2018. All Rights Reserved. | Contact Us


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US Army
World War II
August 15, 1918 - December 17, 2002
The Morning News of Northwest Arkansas
Thursday, December 19, 2002
BELLA VISTA-- Albert Bender, 84, of Bella Vista died Dec. 17, 2002, at St. Mary's Hospital in Rogers. He was born Aug. 15, 1918, in Russell, Kan., to Henry L. and Lou Bender. He was an Army veteran of World War II. He married Darlene Brack on Aug. 11, 1946. He farmed near Russell from 1946-1960, before moving to Salina, Kan., where he worked for the city of Salina Water Department until retiring in 1980. He moved to Bella Vista in 1984 from Salina and was a member of the United Lutheran Church in Bella Vista. He was a Chicago Cubs fan.
Survivors include his wife, Darlene Bender of Bella Vista; two daughters,Donna Banman of Salina and Karen Schubert and husband Gene of Rogers; two brothers, Herbert Bender of Russell and Hubert Bender of Great Bend, Kan.; one sister, Helen Maier of Hays, Kan.; four grandchildren; two stepgrandchildren; one great-granddaughter.
A memorial service will be at 10 a.m. Saturday at the United Lutheran Church in Bella Vista with Richard Jebsen and Fred Schaap officiating.
Arrangements are by Bella Vista Funeral Home.
In lieu of flowers, memorial contributions may be made to the United Lutheran Church, 100 Cooper Road, Bella Vista, 72715.
Contributed on 11/13/08 by judyfrog
Email This Contributor
Record #: 100701
On this site you can upload gravestone photos, locate ancestors and perform genealogy research. If you have a relative buried in Arkansas, we encourage you to upload a digital image using our Submit a Photo page. Contributing to this genealogy archive helps family historians and genealogy researchers locate their relatives and complete their family tree.
Submitted: 11/13/08 • Approved: 4/22/17 • Last Updated: 4/25/17 • R100701-G0-S3


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As Avalanche players came onto the ice one by one Wednesday, defenseman Jan Hejda was nowhere to be seen, even after the last person usually on the ice for a practice — coach Patrick Roy — was there. Then, suddenly, Hejda appeared.
Thus, worries of Hejda missing a second consecutive day of practice with an upper-body injury were eliminated and, more important, the veteran defenseman will be in the Avs' lineup for Game 1 of a Western Conference playoff series Thursday night at the Pepsi Center against the Minnesota Wild.
"I'm happy with this result," the Czech Republic native said after practice. "I was finally feeling good to go on the ice. I didn't skate for three days, so this was really my issue."
Hejda, who will be 36 in June, averaged 22 minutes, 20 seconds of ice time in 78 games for the Avs, second only to Erik Johnson's 23 minutes. Hejda left Sunday's season finale at Anaheim in pain after absorbing a slap shot and didn't return, then missed Tuesday's practice.
"When we got back from the trip and we had a day off the next day, I started feeling better. (Tuesday) we decided to take a day off, but I had a workout," Hejda said. "This series is going to be a battle. They're going to be a danger around the net, so we have to play our game in the D zone. If we play our game, I think we have a big chance to win."
Sakic upbeat. Avalanche executive vice president of hockey operations Joe Sakic met the media Wednesday, and the excitement in his voice was evident over the team being back in the playoffs for the first time since 2010.
"It's going to be fun," Sakic said. "I'm very proud of this group and what they've done this year."
Sakic, the franchise's all-time leading scorer and a Hall of Famer, said there are parallels between this Avs squad and his early teams with the Quebec Nordiques. A few years of struggle eventually resulted in a championship team. But it wasn't easy.
"The guys last year, I knew what they were going through," he said. "I was on some teams where we had a tough time. But we were rebuilding and going in the right direction. It's a grind. The team that outlasts the rest of them is going to win.
" I know this is a group that wants more. We're all shooting for the Stanley Cup. Every single team is hoping they're playing for two months. But you're going to have adverse times in the playoffs.
"The biggest thing is to stick to your game, stick to what you know and stay resilient. No matter if it's a great win or a terrible game, you've got to wake up the next morning and know there's a new game, probably one that's more important than the previous game."
Footnotes. Unlike in some previous seasons, Avalanche players will not be staying in a hotel at home in the playoffs. The Avs, along with other teams in the past, occasionally had a hotel available for players, if they wanted, to cut down on distractions. … Some players, including Gabe Landeskog and Patrick Bordeleau, already are sporting good growth on playoff beards. Others, such as Nick Holden, are remaining cleanshaven. And some, such as Ryan O'Reilly and Max Talbot, have worn beards all season. Adrian Dater, The Denver Post


text: transcriptWHISTLEBLOWER: So, to me these are just strategies put in place to undermine public education, and to promote what a better option is, are charter schools, and private schools. And taking out the voice of the stakeholders that know better.TAYA GRAHAM: This is Taya Graham and Stephen Janis, reporting for The Real News Network in Baltimore City, Maryland. We're in The Real News Network offices, where we just completed another interview with a Baltimore City schoolteacher who came forward to reveal what's going on inside our schools. Our first interview with the whistleblower teacher stoked controversy. His unfiltered view of a failing city school system drew both praise and criticism. But the underlying reality remains; schools are facing a $129 million deficit, and the possible cuts of 1,000 employees, including teachers. And many say city schools continue to fail both students and the community.CROWD: (chanting) ... No cuts! No cuts! No cuts! Fully fund our schools! Fully fund our schools!...MARIETTA ENGLISH: One thousand school employees will be cut from Baltimore City public schools. That is a travesty. It will hurt the children of Baltimore City.TAYA GRAHAM: Which is why another teacher has come forward to delve deeper into the problem facing education in Baltimore, and her critique focuses not just on conditions, curriculum and discipline. But a much more sweeping indictment of what actually ails the system, both teachers say they care deeply about. To talk about what she said, and the reaction to our first whistleblower interview, I'm here with investigative reporter, Stephen Janis. So Stephen, what was the first reaction to the interview?STEPHEN JANIS: Well, there was a lot of people, a lot of teachers, a lot of people who had posted to our Facebook account and responded, who said you know, this first teacher was dead on.TAYA GRAHAM: Uh huh.STEPHEN JANIS: You know, the conditions he described, the lack of structure, the defunding, you know, unsanitary, lack of drinking water, all these things, he was spot on. Some teachers did say that they felt that he was too harsh on the kids themselves. But overall, people said... appreciated his perspective. Most importantly, I think in a city where we tend to overlook problems, or not discuss them in detail, I think what they appreciated was his ability, to sort of say, what was actually happening. So, there is some realistic base starting point from which to analyze the schools.TAYA GRAHAM: So, they felt that he was honest?STEPHEN JANIS: Yeah, I mean, I think that was the main thing, that he was saying what should have been said, but hasn't been said. Interestingly, we gave his interview to the Baltimore City school system, and to the Mayor's office, and didn't hear anything back. The only person who spoke to us was Councilman Zeke Cohen, who is Chair of the Education Committee. Who has said, you know, he supported the teacher, and realized... I think he's fully cognizant of the fact, that the school system has a long way to go to even become acceptable to the community. ZEKE COHEN: You know, I understand from my perspective as a taxpayer, and as a former teacher, it does feel like, North Ave sometimes fails to have itself together, when they're doing budgeting. And we do have a large bureaucracy.TAYA GRAHAM: Now, Stephen our second schoolteacher had a much wider, much broader critique of the city school system. Can you characterize what she was talking about?STEPHEN JANIS: Well, you know, she touched on many of the same concerns about structure, curriculum, over-testing and discipline, but she also took it a step further. And what she talked about, was the fact that city schools are being set up to fail intentionally, that there is basically an over-arching theme here, of trying to make city schools dysfunctional, in order to pave the way for more privatization and, you know, development of neighborhoods in Baltimore.TAYA GRAHAM: Right. I think she actually said that Baltimore City schools were being purposely destabilized, in order to make their way for gentrification in Baltimore City.STEPHEN JANIS: Yeah, I mean, I think her basic theme was that, you know, the charter schools, which there are a lot of charter schools in Baltimore City, are not just a compliment, but actually competing. And that it's preferred by the people who fund education by the political establishment, that really want to deconstruct city schools, and get rid of public education, so that education can be privatized. And she said that, you know, relates to things like the over-testing, like the disinvestment in the Arts and other types of... TAYA GRAHAM: ...Defunding of music programs, theater programs...STEPHEN JANIS: Yeah, the curriculum. Yeah, she was really specific. She focused on that, and I think that's a really relevant critique, given that we have Betsy Devos who is our Education Secretary, who's been a huge proponent of privatization.TAYA GRAHAM: Yes.STEPHEN JANIS: That is her main goal, is to privatize. And I think this teacher says, you know, wait we've really got to think about this. If we privatize schools, and you know, we've pretty much disassembled public education, we're going to change the nature of democracy. And I think that was her main argument, and I think it is very relevant. So, let's take a listen what she had to say.WHISTLEBLOWER: I don't experience a lack of structure. I experience a lack of accountability from administrators. STEPHEN JANIS: From administrators? You mean the administrators aren't held accountable, or they don't hold the children? Who is not held accountable?WHISTLEBLOWER: They're not held accountable for how to handle disruptive students, and because they don't do the structure that's in place for them to handle it once a teacher writes a referral. Then it trickles down to the student.STEPHEN JANIS: And what kind of stuff should they be doing that they're not doing, that you think needs to be done?WHISTLEBLOWER: For example, if they could hold an after school reflection, if they could hold a Saturday school reflection, where they come in uniform, if they could hold a lunch conference for students who may have been disruptive, and in conflict with one another. And there are just certain restorative skills... when I was coming up; it was called "Correct Ed". That isn't being taught and implemented, to help with the values of students to offset the behaviors.STEPHEN JANIS: What kind of disruptions do you experience? Is it just students who don't want to learn, or students who have trouble at home, and then they can't... you know, they bring it to school and they don't really have counseling, or what kind of troubles do you experience?WHISTLEBLOWER: The troubles that I see, is the lack of motivation, and innovation, either by the parent, some teachers, and administration. And if you're not enthusiastic and motivated and innovative, to teach children who need that type of guidance, for them to perform well. Then you get the results that you get. I believe that all students, for the most part, can learn, and they want to, as long as you intrigue their interest.STEPHEN JANIS: Now, he was teaching at a high school level, he said there was too much testing. You teach at elementary school. Is testing an issue too?WHISTLEBLOWER: Testing is a big concern. For example, the second graders have seven different tests. STEPHEN JANIS: Wow.WHISTLEBLOWER: There's DIBELS, TRC, i-Ready, Math, uniTEST, Math Interim, there's the Gifted and Talented test. Then the teachers have to do SLO's on every student. And then they also have to do SKB's on every student. And some of these tests, the teacher has to give individually, three times a year. So, the students are constantly in test mode, and so are the teachers. So, it's very difficult to have engaging lessons that intrigues and motivates the kids. They say, "I want to come back to school today because we're supposed to do this in school today, or finish this up when I get back to class." So...STEPHEN JANIS: Is funding an issue for schools like yours? I mean...WHISTLEBLOWER: Yes. Funding is an issue. Funding is an issue for extra-curricular activities. At first, funding was an issue for staffing. But funding was an issue for getting specific type of calculators that eighth-graders should have, graphical... graphing calculators, where to find slopes and all that stuff in a quadrants. So, that every student can have a workbook, in which they can write in and keep, for science, mathematics, language arts. Now, the teachers are constantly making copies. When they first came up with the program, every child would have a workbook. For example, Agile Minds, for the first year or two, everybody had a workbook, now, constantly making copies, or doing something on a computer. And then there's a misperception, or thought, that because students like computers and technology and things of that nature, that they will learn best by a computer. Computer doesn't teach them. It just shows them, and talks to them. But it's not teaching. So, Agile Minds has been a great failure for math. STEPHEN JANIS: What is it called?WHISTLEBLOWER: Agile Minds, and they use this for math.STEPHEN JANIS: Okay, so what is it? Can you explain so that people...?WHISTLEBLOWER: It's a math program that's supposed to calculate any skills that they're weak in, based upon the questions that they answer incorrectly. STEPHEN JANIS: Uh huh.WHISTLEBLOWER: And it's supposed to give them more practice on that skill. And it just shows a diagram of how to complete the computation, or the word problem. But it's not teaching them. You're showing them, and you're telling them. Teaching is something different. It's not just telling, and showing a chart. STEPHEN JANIS: And this is a new curriculum implemented a few years ago, and hasn't worked?WHISTLEBLOWER: Yes, it's a new... Yes, and it has not worked.STEPHEN JANIS: It's supposed to be all computer based?WHISTLEBLOWER: Yes. And schools are supposed to, or what I was told, they should be able to have some supplementary resources. However, then the District will say, "No, you use the program the way it's supposed to be used." And they're using it incorrectly. They were using it the way it was supposed to be used, and it didn't work. So, then they said, "Well, you're also supposed to supplement some things, and ask them some stuff if you think you need to." And then they did that, and they said, "Oh, well, you're not using it strictly to how it was supposed to be used." They always had an excuse for why this program hasn't worked. STEPHEN JANIS: It's been a lot of investment, sounds like, in time and technology.WHISTLEBLOWER: In the wrong things. So, they have "i-Ready" and "i-Ready" is for reading and "i-Ready" is also for math. That's the testing program and whatever... it's the same thing, whatever skills you are lacking in, you're supposed to be able to go back, and "i-Ready" will give you more practice on those skills. Again, it's not teaching. It's just giving them practice on something. It's showing them a diagram. And it really hasn't been successful, because the children are still lacking grammar. When I was in school, and my older children were in school, it was called Grammar School. So, even if they can read and answer some questions, they can't write. Well, they know the format of an essay. They know the format of a paragraph. They know to answer the question and give some details. Then it's the mechanics in the grammar that just really has depleted in the school system. And to me, it was by design.STEPHEN JANIS: How was it... what do you mean, by design?WHISTLEBLOWER: When public schools were doing very well, people were pulling their children out of private schools. So, private schools had low enrolment. And so, in order to keep that balance, they started taking away resources, such as art.STEPHEN JANIS: What about music?WHISTLEBLOWER: Music, oh definitely. STEPHEN JANIS: You don't have music in your school?WHISTLEBLOWER: They have a choir. But there isn't a band. We used to have middle school bands. Some schools have middle school, or high school orchestras. The first thing they want to take is the arts program, so that private schools can have the arts. So, that's the new thing, they don't have plays, music, art, drawing, poetry.STEPHEN JANIS: So, what are you doing with the arts program in your school?WHISTLEBLOWER: Well, in my school it was hanging on by a thread. So, we still have a music teacher, and we have an art teacher and we have a drama teacher. But it's hanging on by a thread, because we still have staff members who really like to do those things. And some of them are old school, where they believe in having assemblies and programs, where the children can dance, and put on a play, and model, and things of that nature. But, if that teacher decides that they don't want to do it because they're overwhelmed, wanted to go back to school, or they get sick, there's really no one else to pick it up. STEPHEN JANIS: That's... Do you think charter schools are better than the public school system? How do you feel about charter schools?WHISTLEBLOWER: I think that charter schools really aren't a competition for public schools. Except for in effect, they have more autonomy over their academics, and over their discipline. So, that gives them the edge. So, they can say how they're going to discipline disruptive students, and do it, and not have to worry too much about the District, North Avenue saying too much about how they do things. Like, they said, "Well, we're not using their program, Agile Minds, because it doesn't work. And we have decided that we are going to use this program." And that's what they use.STEPHEN JANIS: But you can't do that?WHISTLEBLOWER: No. The District says, "This is the program you're going to use. You use that program." Or, you can have your advanced academics group, or your ingenuity group, use a different program, but your average or low performing students will use Agile Minds. So, you still have to have it in the curriculum in some kind of way, because the District said you have to.STEPHEN JANIS: And what have you seen? What has changed over the 11 years since you've been a teacher that has been the most substantial change you see, that's affected how students are educated in Baltimore?WHISTLEBLOWER: The quality and investment of teachers have changed. When I first started, teachers went to undergrad school to teach. They were invested in living and staying in Baltimore, or in Maryland. Teachers that are coming in now are coming from Delaware, Pennsylvania, Ohio... They are coming from different states. They do not plan to stay. They plan to get their experience, so that they can go to their state and teach, because they're going to teach in their state if they have experience, or if they have a Masters' degree. So, they use Baltimore as a stepping-stone.-------------------------END


text:
Author has written 5 stories for Sherlock Holmes, Sherlock, and Bill & Ted's Excellent Adventure/Bogus Journey.
Can't people just conceive things and live life in the bliss of being knowledgeable so they could make things easier on themselves by seeing the bigger picture. For some reason people think that they are obligated to never use their evolutionary advantages and they always have to struggle like they always had instead of thinking about it strategically they always have to fixate on the aspects that went wrong and let it disrupt everything.
We should also be aware at all times at how powerless we are, we think our bodies will never crumple, so you work out strenuously for 7 hours and than realize only afterward you can't do that, drowned and realize how powerless you are, be around death and understand your insignificance in the overall outcome and come to terms with the fact that you can only achieve greatness through great effort, dedication and sometimes luck, the world is an impossibly beautiful, balanced and adapted; examples of the determined organisms, or to give credit where credit is due, their cells and we are the most prominent aspect (on our planet) of that strive- with the capacity to be fascinated which is probably the best of our qualities, and to be able explore on the chance that we turned out to have what we know as consciousness'? Just think of how epic and random this universe and how diverse and complex the layers of existence must be, but we were given the ability to fall in love and be loyal- express beauty and inflict pain, life an internally com-busting, glowing ember spreading it's singe on what we can only conceive as space. Just think of it, what are we growing into? The physical form and your mind can't picture anything realistic to the vast actuality of our universe, we have such a small spectrum, only what we can touch, taste, smell, hear and see. Hell we were ignorant to what we were composed of for all this time, the fact that we have time to immerse ourselves in war and anger is bewildering- we are constantly surrounded by everything at once and all we have to say is I wonder what's happening to the very small group of living beings I am involved with. I wish we could drop the concept of intelligence being a beaten in acknowledgment of what's happened and be thinking and objecting and promoting at all times, because we've never had an opportunity to entirely control our society as a whole than now being as "educated" and united as we are.
Every aspect of this universe is in itself both utterly pointless and vitally important, important as in the universe wouldn't be complete without their matter and pointless as in your suffering or experience doesn't matter; essentially your only living because you make up a small portion of this vast entity that has such inconceivable beauty and you can never truly leave, only degrade to another level of existing. And we will always exist, but the fact there is a here and a now make it all worth it, you may go forth and conceive the feelings you do and all the while understand that it's meaningless and everything you do is rendered obsolete to the level of humanity and the physical world we are immersed in; the only world where anything we've done matters is in the internal world we've created.
Open yourself to other peoples internal world and see how useful and meaningful an idol you will be in shaping another's existence. NOTHING MATTERS, BUT EVERYTHING IS MATTER.
Now welcome to my fanfiction profile where I write gay literary porn.


text:
One To Watch - Emanuel Villa
Vital QPR has picked out Derby County striker Emanuel Villa as the one to watch going into today`s clash at Loftus Road.
The Argentinean striker made his name in his home country where he was able to showcase his talent in the Premier League.
Villa has played for a plethora of clubs in his home nation; Huracán was the first back in 2001, where the striker was in good form to score 10 goals in his first full season.
He was then moved onto Atletico Rafaela, where despite being relegated, Villa managed to bag 9 goals in 24 appearances for the side.
It wasn`t long before he got a move back to the Premier League with Rosario Central where another impressive 18 goals in 43 games saw him move on to Mexico with Atlas in Guadalajara. A real traveller on the South American circuit, Villa was on the move once more, this time with the club he really made his name with, UAG Tecos.
The Argentinean striker bagged 13 goals in 33 appearances for his new club, but once again found himself on the move against the wishes of Tecos` coach César Luis Menotti who was furious the move was sanctioned and left the club soon after.
Villa joined struggling Derby County in the Premier League, as Steve Howard left for Leicester City. Manager Paul Jewell was delighted with the deal,
'I can't wait to see 'Tito' in a Derby shirt because he looks good in training. I'm sure he will be a big fans' favourite.'
Villa himself stated on the move to Pride Park, 'I know I'm arriving at a team with relegation problems. I must get used to their league immediately because there is no time for mistakes."
Derby County were subsequently relegated with only one home win to their name, and still haven`t picked up an away win since beating Barnsley in March 2007.
In Emanuel Villa they have a striker with proven goalscoring pedigree in the top leagues of South America - whether he can transfer this to English football remains to be seen.
We want to know YOUR thoughts!
To have your say you can comment in the space provided below, or chat about it on the forum.
Rowley Called Up.
QPR v Derby County - Match Preview.
One Day In History - Derby County 1982-83.


text:
Three iPod Shuffles were awarded as prizes this
year to students who participated in our WebMail, Illiad, & Library
Card sign-up.
Clockwise from right:
Sowjanya Maheswaran
Christen Wrobel
Abigail Kowalski
Give-Away -- We gave away
3 iPod shuffles. To enter, students were required to
set up their OU
e-mail, access their ILLIAD account, print the
ILLIAD main menu page and validate their library cards.
This contest was only open to current students.
31st @ 10PM -- Kresge Library Movie Night.
We featured "Old
School" in the student lounge.
Other Welcome
Week Activities at Oakland:
Past Welcome Week Activities: Welcome
Week 2004, Welcome Week 2003
Oakland University, Kresge Library
2200 N Squirrel Rd., Rochester, MI 48309
(248) 370 - 4426


text: paul & joe has me shouting for spring with their latest limited edition collection. sweetly sparkly and decorated with bright blooms and butterflies, wild flowers is about being free and uninhibited. would you look at those lip balms? they are too adorable for words! leave it our favorite parisian pair to perfectly capture the sweetness of spring in shadows and glosses. i love each product's two complemented tones and charming designs. i can already tell you that lady slipper will be welcomed into my spring look and i might have to snag snapdragon and primrose for my darling junior bridesmaids (who are 8 & 10). i can't get enough of these six little pots! have any of them caught your eye? (or lip?)


text:
A poverty advocacy group in Saint John is seeking input on how to make public transit more accessible to low-income residents, particularly the working poor and single parent families.
The study by Vibrant Communities comes on the heels of city council approving cuts to Saint John Transit.
But the Urban Transit Initiative has been in the works for months, said project co-ordinator Sara Stashick.
"We need to make sure that there's transportation available for all residents in our community, regardless of what our economic and financial status is," she said.
"Folks need to be able to get places. So it's really, really important that we get this right."
Good public transit will help reduce poverty, said Stashick.
"For an individual who's trying to improve their circumstances, obviously, getting to school, getting to work, accessing child care is really critical to making those forward steps," she explained.
Many people who work in retail and call centres, for example, depend on the bus to get to work, said Stashick.
They don't have regular 9 a.m. to 5 p.m. hours and can't afford to take taxis or buy a car, she said.
Report will offer recommendations
Over the next month, a team of six will talk to people who take the bus, as well as people who would take it if it were more convenient about where they need to go and when.
They want to find out if route changes, scheduling changes, or price changes would foster more transit use, said Stashick.
"The average person may not be a transportation expert, but each one of us is an expert in our own life and what transportation we need to live that life," she said.
Team members will walk around low-income neighbourhoods, ride the buses, and visit the working poor at their jobs.
The survey will also be available online and on city transit buses.
The group hopes to gather 300 completed surveys.
Meanwhile, the team will also look at what's being done in other cities to make transit function better for those who have few choices, said Stashick.
It will then prepare a report with recommendations.
On Dec. 26, some Saint John Transit routes were eliminated, while others were reduced on evenings and weekends.
About 15 drivers and maintenance workers were also expected to lose their jobs or have their status reduced to part-time.
Saint John Transit Union president Tom McGraw had started a Facebook campaign to fight the cuts. More than 1,000 people joined.
Another group had collected 800 signatures on a petition to save the bus service.
City council had ordered transit to hold its budget increases to one per cent, but general manager Frank McCarey said that wasn't possible with higher than anticipated fuel prices wreaking havoc on the commission's bottom line.
Diesel, budgeted at 90 cents a litre, ended up costing closer to $1.11, he said. The transit commission uses nearly two million litres a year.


text:
What does off-day mean?
Definitions for off-day
Here are all the possible meanings and translations of the word off-day.
Princeton's WordNet
a day when things go poorly
"I guess this is one of my off-days"
Chaldean Numerology
The numerical value of off-day in Chaldean Numerology is: 2
Pythagorean Numerology
The numerical value of off-day in Pythagorean Numerology is: 3
Sample Sentences & Example Usage
The helicopter came very close to the helipad, maybe 250 meters in the air, just above the school, it hovered there for a while and then tried to turn when it crashed. Thankfully there were no kids in the school because it was an off-day for security reasons. The helicopter caught fire and was on fire for over an hour.
Images & Illustrations of off-day
Translations for off-day
From our Multilingual Translation Dictionary
Get even more translations for off-day »
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Discuss these off-day definitions with the community:
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Use the citation below to add this definition to your bibliography:
"off-day." Definitions.net. STANDS4 LLC, 2018. Web. 18 Mar. 2018. <https://www.definitions.net/definition/off-day>.


text:
Blue Marble
Source: NASA's Earth Observatory
Here are a few of my personal thoughts...
- Climate Change Coming "Faster Than Expected"
- A Christmas Peril (a seasonal poem with a message)
And here's some of what I've read...
Suggestions • Products • Optimism • Ideas • Donate
Practical Suggestions
Not all suggestions have to be things that involve decades of research. Some are just targeted suggestions about pragmatics. They're worth some thought. Some of them may be showing more promise than others, though, so read carefully.
Here are some pointers to interesting ideas for products and commerce.
Stories of Optimism
Here is a place for stories about good things happening, or of hopeful signs. Many of these are tentative in one way or another. And even things that are very good things may have timelines that are too long to be practical. A lot of other damage can be done before a given natural effect kicks in or a given technology is brought to fruition and properly deployed. So we still have many reasons to be pursuing Climate Change aggressively. But, all that said, this issue is so depressing sometimes that it's still nice to have reasons for optimism.
The Idea Mill
There are going to be a lot of boondoggles where people try to get "green money" for things that won't really help. But that doesn't mean we shouldn't invest in various alternative ways to address the problems posed by Climate Change. (The only things I don't think we should invest in are the things that are actively working against a solution.)
Please feel free to contact me with more suggestions.
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