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Dream teams from sports to business are an ideal everyone aspires to live up to. But what is it every basketball or football dynasty has which makes them a dream team? What is it that brings individuals together to overcome odds, set examples, find solutions, and create the next best thing? Good management. The need for good management is no different in the Data Science world. Yet according to our latest Salary Guide, poor management is one of the top five reasons Data professionals leave companies. So, let's take a look at what poor management is, what causes it, and how businesses can better retain Data talent. What's Your Data Science Strategy? Most businesses know they need a Data team. They may also assume that a Data Scientist who performed well can lead a Data team. But that isn't necessarily the case. Managers have to know things like P&L statements, how to build a business case, make market assessments, and how to deal with people. And that's just for a start. The leader of a Data team has a number of other factors to consider as well such as Data Governance, MDM, compliance, legal issues around the use of algorithms, and the list goes on. At the same time, they also need to be managing their team with trust, authenticity, and candor. The list of responsibilities can be daunting and if someone is given too much too soon and without support, it can be a recipe for disaster. Other businesses might believe that a top performing Data Scientist would make a good manager. Yet these are two different fields. Or you might look at it this way. If you are willing to upskill a top performing Data professional and train them in managerial skills, giving them the education and support they need, that is one solution. Another solution is to create a Data Science strategy which brings in people with business backgrounds. Data Science is a diverse field and people come from a number of backgrounds not just Computer Science or Biostatistics, for example. Now that you've seen what might cause a manager to fail, let's take a look at a few tips to help you succeed. Seven Tips for Managing a Data Team Managing a team is about being able to hire, retain, and develop great talent. But if the manager has no management training, well, that's how things tend to fall apart. Here a few tips to consider to help ensure you and your team work together to become the dream team of your organization: Build trust by caring about your team. Help define their role within the organization. Ensure projects are exciting and that they're not being asked to do project with vague guidelines or unrealistic timeframes.Be open and candid. Remember, Data Scientists are trained in how to gather, collect, and analyze information. If anyone can see right through a façade, it will be these Data professionals. Have those "tough" conversations throughout every stage of the hiring, onboarding, and day-to-day, so that no one is caught unaware.Offer consistent feedback. And ask for it for yourself as well from your team.Ensure your team understands the business goals behind their projects. Let them in on the bigger picture. Think long-term recruitment for a permanent role, not short-term. If you have an urgent project, consider contracting it out. Prioritize diversity to include academic discipline and professional experience. Does the way this person view the world expand the knowledge of your team's knowledge? Dream teams don't always have to agree. Sometimes, the best solutions are found when there are other opinions. Finding the perfect, "Full Stack" Data Scientist or Data Engineer or Analyst is not impossible, and retaining them can be even easier. If you've done your job well, your team will trust you, have a balanced skillset, and understand how their work supports the organization and its goals. For more information on how to be a great manager, check out this article from HBR. Ready for the next step? Check out our current vacancies or contact one of our recruitment consultants to learn more. For our West Coast Team, call (415) 614 - 4999 or send an email to firstname.lastname@example.com. For our Mid-West and East Coast Teams, call (212) 796 - 6070 or send an email to firstname.lastname@example.com.
11. July 2019
From the first genome sequencing in the second revolution to Life Science Analytics as a growing field in the fourth industrial revolution, change has been both welcomed and fraught with fear. Everyone worries about robots, Artificial Intelligence, and in some cases even professionals who have stayed current by keeping up-to-date with trends. And it's beginning to affect not only "office politics" within the tech space, but even interviewer and interviewee relationships. We've seen a growing trend of apprehension between Computational Biologists and Machine Learning Engineers. What could be the cause? Aren't they each working toward a common goal? It seems the answer isn't quite so cut and dry as we'd like it to be. Here are some thoughts on what could be driving this animosity. But first, a bit of background. So, What's the Difference? Computational Biology and Machine Learning are two sides of the same coin; one sets the framework and the other applies what's been learned. Both use statistical and computational methods to construct models from existing databases to create new Data. However, it is within the framework of biomedical problems as computational problems, that there seems to be a bit of a breakdown. It's one thing to have all the information and all the Data, but its quite another to know how the Data might interact or affect the health and medications of people seeking help. This is the job of those in Life Science Analytics. Determine through Data what needs to be done, quickly, and efficiently, but at the same time, ensure the human element is still active. A few examples of Computational Biology include concentrations, sequences, images and are used in such areas as Algorithmics, Robotics, and Machine Learning. The job of Machine Learning can help to classify spam emails, recognize human speech, and more. Here's a good place to start if you'd like to take a deeper dive into the differences between the two or read this article about mindsets and misconceptions. Office Politics in the Tech Space Circling back to the concern between Computational Biologists and Data Scientists with a focus on Machine Learning. The latest around the water cooler within the tech space is that those with a biological background who understand Machine Learning are looked upon as dangerous to the status quo. But, as many of our candidates know, it's important to stay on the cutting edge and if that means, upskilling in Machine Learning so you have both the human element as well as the mathematical, robotic components, then that is more marketable than just having one or the other. The learning curve in biology training within the Life Sciences Analytics space means Computational Biologist with a Machine Learning skillset is best able to apply Data Science and computer science tools to more organic and biological datasets. Someone with just a computer science background may not have the depth of knowledge to understand how these models, systems, and data affect and impact medicine. Computational Biologists who are trained simultaneously in computer science and biology, and are a little heavier on the biology side, see Machine Learning Engineers as a threat because utilizing Machine Learning and other cutting-edge tools could mean their job is on the line. They worry their job will fall by the wayside. That when somebody proves Machine Learning is faster and more efficient the impetus might be why hire a Computational Biologist when a Machine Learning engineer will do? It's like when a lot of people joke about how robots are going to take over the world and everybody will be out of a job. I think the worry with some folks on the Computational Biology side is that maybe they just aren't up to date with their training or haven't kept up with cutting edge of technology. With a Recruiter's Eye While what I've seen agrees that, yes, Machine Learning is incredibly helpful and fast and you can get through so much more data. But its still that understanding of biology and chemistry that you will need because you need to be able to understand, for example, how these proteins are going to be reacting with one another or you need to understand how DNA and R&A work, how best to analyze, and what analyzing those things means. On the other hand, just because you know, "oh, this reaction comes out of it", if you don't know why that is or how that could impact a drug or a person, then you don't really have anything to go on. There's a caveat there. Though there may be concerns among Computational Biologists and Machine Learning Engineers, at both the upper and entry levels, it's still the technical lead who will say, "we really do need somebody with a biological background because if we get all this Data and don't really know what to do with it, then we'll need to hire a Project Manager to converse between the two and that's an inefficient use of time and resources". What I hear most often is a company wants a Computational Biologist but they also want someone who knows Machine Learning. But they don't want to compromise on either because they don't understand there are limitations to things. We all want the unicorn employee, but we can't make them fit into a box with too specific parameters. It's a Fact of Life Any job, whether it's in the tech industry, the food industry, Ad Optimization, or even recruitment, uses Machine Learning in one way or another. Yet compared to spaces which work on sequencing the human genome, it's amazing to see how far things have come. It used to take days to process DNA. Now you can spit in a tube and send it off to 23andMe to learn a little about your health. That's what Machine Learning enables people to do. But it doesn't mean Computational Biologists are going to fall by the wayside. It means there will be times you'll have to liaise more between the two groups. It means you'll be more marketable by adding Machine Learning to the work you're already doing or taking some classes in Computational Science, for example, to keep your skills up to date. It's a Transparency Issue Ultimately, it seems the heart of this apprehension comes down to a transparency issue. For example, let's say companies begin to bring in AI people and suddenly the staff already in place begins to get worried about the security of their jobs. Even in an industry tense with skills gaps, the fear still abounds. In coming back to speak with the Hiring Manager, it became clear the animosity is even more prevalent than first imagined. So, it's important to get input from within the company and develop a unified story, a unified message across departments, and especially within the Life Science Analytics and Data Science teams as well. In other words, "keep people in the loop." If it's happening to this company, it seems other companies may be facing this same issue. However, it's not going away and is creating a kind of competition between the old guard and the up-and-coming startups. For example, any new company is going to want to integrate AI and will be asking the question how best to integrate it into their structure. They might also ask how best to optimize the ads coming through AI. This is just another way of how companies are catching up, but also how people are catching up to the companies. Technology is coming whether you like it or not. So, if you want to stay marketable and work on really interesting projects, there's always going to be the challenge of staying up-to-date and different companies attack this in different ways. Stay open minded, keep an eye and an ear out for ways to stay on top of your game. Even just taking a few minutes to watch a YouTube video, listen to a TedTalk or a podcast, so you can talk about it and be informed. These are some really simple ways to stay on the cutting edge and help you figure out where you can grow and improve for better opportunities. Ready for the next step? Check out our current vacancies or contact one of our recruitment consultants to learn more. For our West Coast Team, call (415) 614 - 4999 or send an email to firstname.lastname@example.com. For our Mid-West and East Coast Teams, call (212) 796 - 6070 or send an email to email@example.com.
04. July 2019


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Path to New Dimensions
Great Balls of Fire
An amazing sunset on Bowling Ball Beach in Mendocino County California.
Guided by Light, Pt.Reyes National Seashore, CA
On this day I saw clouds roll in and was almost gonna just settle on the normal and very local spots i'm used to but something inside me said to just follow my heart and be guided by the light. I somehow ended up here!
Soul Bath
Something special about this night on the San Francisco coast.
Crack'n Coast- Davenport, CA
A shot i've wanted for years after seeing Jim Patterson's shot. Everything came together on this beautiful night!
Twilight Falls
Beautiful waterfalls spill into the Sonoma Coast after a heavy rain.
Blazing Susnet on Rodeo Beach
One of the most intesnse sunsets i've seen at this beach. It just kept going and going. Was definitely a night to remember!
Marshalls Beach Sunset, San Francisco, CA
Into the Sunset
A beautiful and magical sunrise on the Florida coast.
Natural Bridges
Natural Bridges State Beach in Santa Cruz Calfornia.
Rainbow Sherbet Sunset
Lead to the Light
Fire Falls
As ocean water comes rushing in it creates a natural waterfall with a vibrant, firey sky! I left this one real wet as I was standing nearly waste deep to get the perfect shot!
san franciscosutro bathslands endrockssea stacksea scapeoceanwatersaltseaflowsunsunsetsunrisecoastalcaliforniabay areamagicalnatureexoticfine artphotographylong exposurecolorfulcolorvibeswall arthangluxurysellprintlicensedistributevacationhw 1discoverexplorepeacefulpeacehappinessmeditationyogaspiritualtranscendcanvasmetalpaperlustreglossypearlacrylicfacemountofficenicholas steinbergnick steinberg

subset: commoncrawl


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An alternative to annualizing the cost-of-living adjustments on federal retirement: hearing before the Subcommittee on Civil Service, Post Office, and General Services of the Committee on Governmental Affairs, United States Senate, Ninety-seventh Congress, first session, on S. 677 ... April 1, 1981, Issue 141
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Tuesday, May 15, 2007
Nerd Man of the Month: Jonathan Coulton
This month's Nerd Man describes himself as a "musician, singer-songwriter and internet superstar." That alone would have earned Jonathan Coulton at least 50 percent of the votes necessary to clinch the Nerd Man of the Month title. Couple that, though, with a personal recommendation from John Hodgman and the fact that he's a Contributing Troubadour for Popular Science and he becomes an obvious shoo-in.
If you've never heard Coulton's irresistable pop-ish, folk-ish, nerd-ish songs, have a listen at www.jonathancoulton.com. There, you can sample songs from his 52 songs in 52 weeks project or you can try something from the awesomely titled "Our Bodies, Ourselves, Our Cybernetic Arms." Peruse the song titles and you know any purchase is going to be well worth the price. You've got "Ikea." You've got "Re: Your Brains" in which a zombie plaintively asks his victim to open the door and acquiesce to a perfectly reasonable brain eating request. And you've got the popular favorite "Skullcrusher Mountain," which features these brilliant lyrics:
I made this half-pony half-monkey monster to please you
But I get the feeling that you don't like it
What's with all the screaming?
You like monkeys, you like ponies
Maybe you don't like monsters so much
Maybe I used too many monkeys
Isn't it enough to know that I ruined a pony making a gift for you?
Seriously, who can resist that? Not the folks here at The Park Bench, that's for certain. And if you can't get enough of Jonathan "Mr. May" Coulton, don't forget to check out this very amusing interview with this "geek and postmodern digital pioneer" in Psychology Today. It's got a picture of Coulton AND his cat. Bonus!
5 comments:
- Kylene said...
Jonathan Coulton is not only your Nerd Man of the Month (great choice, btw), but also Scanner's Crush of the Week!
Link: http://www.nerve.com/nerveblog/scannerblog.aspx?id=96e11418#11418
Just thought I had to share that two seemingly very different blogs found one happy medium in the awesome Jonathan Coulton. :)
- Liz said...
Wow, that's so funny. I had no idea! I hope all this fame and fortune doesn't go to his head. :-)
- Liz said...
- This comment has been removed by the author.
- Liza said...
Hi First Time reader here;
April and May are both very fine choices for Nerd Man of the Month. After all, a woman's most erogenous zone is her.... brain!
If you ever need a fundraiser, you could do a calendar Nerd Men.
I took several yummy shots of Mr. May and their on the interweb for public consumption here.
Great blog - thanks!
^_^ Liza
- Liz said...
Hey Liza, welcome to The Park Bench. It's nice to have you here! And thanks for the link to the great photos. I have high hopes of actually seeing a JoCo show one of these days myself.


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Kale: The poster child for all things wholesome, healthy, and generally good. Once shunned as merely a frilly garnish for deli cases, no greater redemption story can be found in the produce aisle. Excellent both cooked and raw, agreeable with any flavors thrown at it, kale remains humble even after so much glowing praise has elevated it to super food status, willing to work with any supporting ingredients thrown at it. Joining the bandwagon like everyone else, I dutifully buy my kale, encouraged by those frilly, vibrant leaves, imagining a sea of recipes ideal for this fresh addition.
Out of the grocery bag back at home, it gingerly goes into the vegetable bin. A day later, heavier vegetables are moved around and get placed on top of the once firm stems, now quickly softening to imitate limp noodles. Another day passes, and surely I've forgotten I ever purchased such a thing; the tender green curls are crushed beneath a second load of re-sorted produce. Fast forward a week, and no doubt that same kale would still be there, beginning to yellow around the edges drooping like a neglected bouquet of flowers. Kale goes into the bin, and it's time to go grocery shopping again. Oh, look at that kale, I should get some!
No more of this madness! I've had enough of throwing away perfectly good kale. My forgetfulness is inexplicable, but for some reason, kale just never seems to quite fit into what I'm making at the moment. Instead of repeating the same pattern yet again, I stopped the cycle halfway through, deciding that the only way out was to construct a new dish built around the greenery itself.
Typical kale pitfalls include: 1) Giant, uncut pieces that must be chewed for months to properly break down, 2) Overcooked, grey, and bitter leaves, and 3) Bland, boring and approaches simply too austere to genuinely enjoy. Shredding my raw kale finely and pairing it with bright, exciting flavors solved my last remaining scraps of hesitation with ease. Kelp noodles were sitting sadly at the bottom of the fridge, similarly forgotten, so I threw them in as well, but they turned out to be superfluous. With or without the noodles, I know this is one dish that will put the brakes on my poor kale-keeping habits.
A one-dish wonder that won't weigh you down, this is a substantial salad that packs in edamame for protein, and plenty of good fats via avocado, pinenuts, and just a dab of olive oil. Above all else though, the invigorating lemon and ginger dressing makes it no chore to plow through a big bowlful of greens, no matter how remiss you've been on squeezing them into the daily diet before.
Crave-Worthy Kale Salad
12 Ounce Package Kelp Noodles
2 Tablespoons Lemon Juice
Warm Water
1 Bunch Kale, Washed and Dried
3 Scallions
1 Cup Shelled Edamame
1 English Cucumber, Halved and Sliced
1 Ripe Avocado
2 Tablespoons Lemon Juice
1 Tablespoon Olive Oil
1 Tablespoon Mirin
1 Teaspoon Lemon Zest
1 Teaspoon Ground Ginger
Big Pinch Cayenne Pepper
Salt to Taste
1/4 Cup Toasted Pine Nuts or Sunflower Seeds
If using kelp noodles, place them in a small bowl and add warm water to cover. Mix in the lemon juice and stir to combine. Let sit and soften for at least 15 minutes while you prepare the rest of the salad. Rinse and drain thoroughly before using.
Remove the large, woody stems from the kale, and then stack up the leaves on top of each other for easier slicing. Chop them into thin ribbons, and add them to a large bowl. Thinly slice the scallions, and toss those in along with the edamame and cucumber. Dice the avocado and toss it with the lemon juice before introducing it to into the same bowl, along with any leftover juice. Finally whisk together the oil, mirin, lemon zest, ginger, cayenne, and salt, and pour the dressing over the greens. Toss everything very well to combine, and as well as the kelp noodles if using. Top each serving with pine nuts or sunflower seeds before serving.
Serves 4 – 6


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WASHINGTON -- President Obama supports efforts to reinstate an assault weapons ban as part of a comprehensive plan to address gun violence, his spokesman said Tuesday.
Press secretary Jay Carney added that Obama would back proposals to close the "gun show loophole," which allows people to buy weapons without background checks.
Carney's comments came as Democratic members of Congress stepped up their push for gun regulations in the wake of Friday's shooting at Sandy Hook Elementary School in Newtown, Conn., that killed 20 students and six adults.
Obama met with aides and others to develop a "comprehensive" plan that would include the education, social and mental health issues associated with gun violence. He is also "interested in looking at" possible restrictions on high-capacity ammunition clips, Carney said.
The president spoke by phone Tuesday with Sen. Joe Manchin of West Virginia, a Democratic gun rights supporter who said he is rethinking his position.
Obama "wants to move in the coming weeks," Carney said.
The administration's project will likely involve Vice President Biden, Attorney General Eric Holder, Education Secretary Arne Duncan, and Health and Human Services Secretary Kathleen Sebelius. All have spoken with Obama.
After he spoke with Obama, Manchin said that "we must have a dialogue and bring parties from all sides to the table." That includes "my friends" at the National Rifle Association and other Second Amendment supporters, Manchin said. He added, "I know that their hearts are aching for the families in Newtown, just like all Americans."
In addition to new gun control measures, lawmakers are discussing a number of other issues in response to the Newtown killings. They include mental health funding and addressing the impact of violent video games and films on young minds.
"It's a complex problem that requires more than one solution," Carney said. "It calls not only for re-examining our gun laws -- and how well we enforce them -- but also for engaging mental health professionals, law enforcement officials, educators, parents and communities to find those solutions."
Carney specifically cited the efforts of Sen. Dianne Feinstein, D-Calif., who says she plans to introduce legislation early next year to reinstate the assault weapons ban that lapsed in 2004. Obama has voiced support in the past for a new assault weapons ban but did little to push the issue during his first term.
Feinstein said Tuesday that members of her staff are rewriting the old bill, which expired in 2004.
"We ban about 100 weapons by names and we also reduce the physical characteristic test to one," she said. "We grandfather existing weapons."
Feinstein said she has spoken to House and Senate Democrats as her staff drafts the new bill. She said she also wants to speak to Manchin. Reps. Ed Perlmutter, D-Colo., and Carolyn McCarthy, D-N.Y., are leading House efforts on the assault weapons ban.
Feinstein said the fallout from the Newtown shooting means "this is a sea change," she said.
Obama backs assault weapons ban
WASHINGTON -- President Obama supports efforts to reinstate an assault weapons ban as part of a comprehensive plan to address gun violence, his spokesman said Tuesday.


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Marilyn Monroe has been gone 50 years, but her iconic image lives on: The platinum blonde hair, the ruby red lips, the beauty mark, those curves, and the shimmering, body-clinging garments she covered them with.
She starred in more than 30 movies, but what resonates today is her style, which appeals to a whole new generation of younger women unfamiliar with her films. Her look is replicated by celebrities from Madonna to Lady Gaga, from Christina Aguilera to Gwen Stefani to Nicole Kidman to Rihanna to Lindsay Lohan.
Take a look at her in "The Seven Year Itch," the 1955 film in which she played a sexy neighbor who tempts a married man. Everything in the film looks fairly dated, except for Monroe. Especially in her white halter dress — the famous "subway dress," in which she stood over a grate and let the breeze lift her skirts.
Another iconic look: In May 1962, just a few months before her death, Monroe famously sang "Happy Birthday" to President John F. Kennedy at Madison Square Garden. She wore a floor-length sheath of thin fabric — with nothing underneath — covered with rhinestones and fitting like a glove.
The so-called "JFK Dress" sold for more than $1.2 million at auction, and the "subway dress" sold for $5.6 million — proof, if it was needed, of Marilyn's enduring appeal.


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It's when they add you to their "Bigotry Map," that's when.
It is a well-understood and even tiresome habit of bigots and bullies that they adopt the language of those they oppress in order to make themselves seem righteous in thought and deed. Heck, even old Adolf got into the act with his famous justification for the "racial purity" platform that ultimately killed millions. "By defending myself against the Jew, I am fighting for the work of the Lord!" (Emphasis added, because why be subtle?)
So this is how a noted and infamous hate group of hateful bigots, the American "Family" Association, can convince themselves that those who criticize them and who stand for equality and against discrimination are the true bigots. Because when self-righteousness takes up residence in very tiny brains, it must drag self-awareness into the trash to free up disc space.
And so you get the comical spectacle of the AFA condemning the Southern Poverty Law Center for labeling "Christian organizations who support the Biblical definition of marriage as 'hate' groups and falsely disseminat[ing] this information to liberal news media," and they post that right next to a panel proving just what a hate group they really are (by describing LGBT marriage equality as forcing poor put-upon Christians to embrace "sexual perversion"). It would be a lot funnier if folks like this really weren't so dedicated to hurting actual people.
Check out central Texas, and you'll find the Atheist Community of Austin on their map, for which we are enormously proud. When the kind of people who call hate "love" and love "perversion" decide you're the bad guy, you know you're really on the side of the angels.
Oh…and which "Biblical definition of marriage" are they using again? Because that can get a bit confusing, you know.


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Stimulating growth hormone
The recent experimental treatment of ageing in the US using artificial growth hormone (see Chapter 7) has revived interest in the methods first strongly promoted by Pearson and Shaw in the early 1980s. These approaches certainly slowed, and indeed seemed to reverse, the appearance of ageing. However, there is no evidence in animals or humans, as yet, of any increase in life span as a result of growth hormone (GH) stimulation or replacement.
GH production is stimulated by sleep (release occurs about an hour and a half after you fall asleep, with none appearing if your sleep is restless or disturbed), aerobic exercise and fasting, and by specific amino acid supplementation. GH production is slowed down by insulin, which is produced more prolifically when sugar is eaten in any quantity - another reason for not eating much of this substance.
The methods suggested by Pearson and Shaw (Life Extension, 1983) are echoed by Leslie Kenton in her superb overview Ageless Ageing (Century Arrow, 1986), in which she says:
Both arginine and ornithine (amino acids) are currently being used to encourage growth-hormone release from the pituitary . . . stimulating protein production in muscles by increasing the transport of amino acids into the cells, causing fat cells to release fatty acids, and encouraging the liver to increase the rate at which it burns fat . . . it appears to improve immune functions and may therefore improve the body's resistance to illness and premature ageing.
Arginine is found in many proteins, but in greater quantities in soya beans, chickpeas and sunflower seeds. It can be taken supplementally in daily quantities of up to 8 grams, for a period of a month to six weeks at a time, in order to trigger growth hormone production by the pituitary. Or it can be taken at the same time as ornithine (so that half the 6 to 8 grams is made up of ornithine and the other half of arginine) in two doses daily, one an hour before breakfast and the other before a period of active exercise. If there is no such exercise period, take the second dose an hour before one of the other meals, with water only.
After a six week period on these supplements it is suggested that a similar period of rest be taken, before repeating the supplementation, if you wish.
Growth hormone stimulation seems to be a somewhat peripheral issue in life extension, giving the appearance of anti-ageing without the reality. However, there is much to be said for enhanced protein production and for looking younger and creating some of the attributes of youth, such as was achieved in the US trials mentioned in Chapter 7.


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Blue Cross Blue Shield of Michigan will begin to co-brand and sell together three specialty insurance product lines this week with subsidiary LifeSecure Insurance Co., a for-profit Brighton-based company Blue Cross founded in 2006.
Starting in April 2015, LifeSecure plans to roll out several other specialty products, including individual disability and individual critical illness protection, and individual and group life and package together with Blue Cross health insurance products, said Tiffany Albert, CEO of LifeSecure.
As a recently converted nonprofit mutual insurance company, Blue Cross is allowed to co-brand insurance products with LifeSecure in Michigan. From 1980 through March 2013, under Public Act 350, Blue Cross was considered the insurer of last resort and limited to selling only health, dental and vision policies.
The three current LifeSecure individual product lines that will be co-branded with Blue Cross health policies are long-term care insurance, personal accident and hospital recovery policies, Albert said.
"Most people have no idea what these products are," said Albert, appointed CEO of LifeSecure in April after four years as Blue Cross director of external sales distribution.
Long-term care insurance covers nursing home care but also services that support people living at home. Personal accident covers medical costs not entirely covered by health policies, and hospital recovery is designed to pay living costs after a patient is discharged.
Expanded benefits for personal accident and hospital recovery will be offered starting July 1, Albert said. Group coverage for personal accident and hospital recovery will be offered later this year.
Kevin Stutler, Blue Cross vice president of ancillary products, said LifeSecure and Blue Cross are considering offering price discounts for customers who purchase multiple products. He said Blue Cross needs state regulatory approval for those discounts.
LifeSecure plans to offer group policies for personal accident and hospital recovery later this year. While long-term care is only offered as an individual policy, Stutler said, employers can offer it as a benefit.
Several other health insurers in Michigan offer some specialty products in the individual, group and workplace markets, including Cigna Healthcare, Humana and Aetna. Other companies offering a variety of specialty lines include Aflac, ING Group, Colonial Life, Guardian, Prudential and Unum.
Jay Greene: (313) 446-0325, [email protected]. Twitter: @jaybgreene


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Endive Recipes
Grilled Artichoke and Endive Salad Recipe
Grilled artichoke and endive salad is one of the dishes I concocted in the tiny kitchen of the Parisian apartment we rented. Don't get me wrong, we loved the place where we stayed at. It's just that the kitchen had the bare minimum: a sink and a toaster-sized oven topped with 2 burners. First I steamed leeks, then grilled a red bell pepper, the endives and artichokes and coated pieces of Rocamadour cheese in herbs. The mixture makes a colorful, tasty first course.
I'm a little slow at sharing the recipes from our recent trip to Europe. It takes some time to process all the photos, so I promise they should be ready after the celebration of the Chinese New Year. Stay tuned!
In case you're wondering who the man in the collage is, he's one of the many vendors who operate stalls at the Daumesnil open air market on Tuesdays and Fridays. I was snapping photos as I meandered through the market and he begged me to take one of him. The merchants in Paris tend to have a lot of personality (they sing, they scream, they rhyme; whatever it takes to get people's attention) and they do their best to entice you to buy their food. He was quite a ham and was absolutely thrilled when I told him I'd post his picture on the site.
Full Recipe...
Roasted Beet and Corn Salad with Tangerine Vinaigrette
I love beets. They have a wonderful sweetness and texture. I sometimes cook beets into hot dishes, but my favorite way to enjoy beets is in a simple salad. For this particular recipe, I paired the beets with a tangerine vinaigrette with tangerine-infused oil and tangerine juice. The vinaigrette brightens the flavor of the dish and acts as a nice complement to the flavor of the beets. I also added corn to create a contrast of texture and color. The result is a salad with some very bold flavors.
Full Recipe...


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Physical development in an Acute Lymphocytic Leukemia (ALL) survivor
Dear OncoLink "Ask The Experts,"
Height is determined by an individual's genetic make-up but sometimes it does not follow precisely the parents' heights. Also, treatment for cancer can reduce the growth potential. In order to learn whether your child was affected by treatment or leukemia, you should discuss this with her physician. An endocrinologist can specifically help you determine whether she will be able to have additional growth. There are specialized follow-up clinics for children who have been cured of cancer that are most commonly located at major children's cancer centers that can be very helpful in this situation. There are also other late side effects that can be picked up early and effectively dealt with when a patient is followed in a specialized clinic for childhood cancer survivors.
Anna Meadows, MD, Pediatric Oncologist at the Children's Hospital of Philadelphia and Director of the Abramson Cancer Center of the University of Pennsylvania's Survivorship Research Program, responds:


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Published Jul 3, 2015
Who watches your furry friend while you are out of town?
Sit, heel, stay, roll over. Who's the best at training your pet? see the Top 5 →
Oldies but goodies. Where do you go to find the best antique treasures? see the Top 5 →
Whether you are young or old, you can still do arts and crafts! Where's... see the Top 5 →
Biking enthusiasts are very particular about their choice in bike shops... see the Top 5 →
Extra, extra, read all about it. Where do you pick up your favorite reads? see the Top 5 →
Cameras, flashes, film development. Where is that picture perfect store? see the Top 5 →
The 2015 Dallas A-List awards are based on more than 24,000 votes from local North Texas-area experts.


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Raw Footage: 2 Church Members Shot While Singing At Sunday Mass!
"Police in northern California say they hope to make an arrest soon in connection with a weekend shooting that wounded two teenage brothers during a church service. The shooting was captured on amateur video." - AP
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- General Knowledge
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As Haiti raises itself from the rubble of the January earthquake, WFP is helping survivors start again by giving them cash and food in return for work to rebuild the country. Johnny, who lost his family, and Florence, who dreams of starting a business, are among those reclaiming their lives. Watch the clip
PORT-AU-PRINCE – When the earth shook beneath Haiti five months ago, Johnny's wife, two children and sister were among the victims. One of thousands of bereaved survivors of the quake, Johnny is now hard at work to rebuild the life he lost.
Every day, he helps clear debris from the streets in return for about USD $5 in cash and food rations. The temporary employment keeps him clothed and fed, and even allows him to save up money to help his elderly mother.
The rubble that workers like Johnny are collecting goes to pave roads and build walls to combat erosion and protect farms around the country.
It's among several Food for Work projects underway in Haiti that provide families with the food and basic necessities they need to survive in return for work repairing earthquake damage and building infrastructure.
As with any community-building programme, engaging women is the key to success. Surveys showed women to be among the most adamant supporters of food and cash for projects as solutions to their families' short-term needs.
Most importantly, these projects are offering hope to people like Florence, who are looking beyond the ruins to a better future. Florence hopes one day to open a soda store, a small dream and part of the much greater task of getting Haiti on its feet.


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A step beyond the usual plastic and aluminum boards, this board is hand made from walnut and Baltic birch. Measuring 28-1/2" in diameter, it is also slightly larger than standard crokinole boards. On the reverse side is a standard 8 x 8 checkered board that can be used for chess or checkers. Comes complete with crokinole instructions and playing pieces for crokinole, checkers and chess.
A beautiful game set. For two to four players.
Made in Canada.


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Nov. 12, 2011
BRUNSWICK. ME- The University of Massachusetts Dartmouth women's cross country team finished 16th of 51 teams at the New England Division III Regional Championships, while the men finished 28th of 48 teams at the New England Division III Regional Championships, hosted by Bowdoin at the Lake Breeze Golf Course Saturday.
The women scored 587 points, while Middlebury finished first with 55 points. The men scored 889 points, with Williams finishing first with 88 points.
For the women, freshman Katie Sheehan (Scituate, MA/Scituate HS) led the way, finishing 61st overall with a time of 23:07 for the 6000 meter race. Junior Courtney Testa (Hopkinton, MA/Hopkinton HS) was 77th in 23:24, senior Meaghan Bohigian (Barre, MA/Quabbin Regional HS) finished 122nd in 24:08, freshman Samantha Roderigues (Somerset, MA/Somerset HS) was 140th in 24:24, senior Stacey Dybel (Littleton, MA/Notre Dame Academy) finished 187th in 25:06, freshman Carolyn Cornell (Abington, MA/Cardinal Spellman HS) was208th, in 25:30, and senior Megan Oliveira (Somerset, MA/Somerset HS) was 230th in 25:57.
For the men, freshman Eric Karstunen (Pembroke, MA/Pembroke HS) was 150th in 27:39 for the five mile course. Freshman Scott Bernazzani (Abington, MA/Cardinal Spellman HS) was 167th in 25:27, sophomore Chris Jordan (Taunton, MA/Taunton HS) was 173rd in 28:04, freshman Matt Ferro (Halifax, MA/Silver Lake HS)was 195th in 28:33, sophomore Zach Switaj (Tamworth, NH/Kennett Regional HS) was 198th in 28:35, and freshman David Yumping (Brockton, MA/Brockton HS) was 265th in 30:15. Freshman Ben Girard (Manchester, MA/Manchester Essex HS), the Corsairs' top runner, did not run due to an injury.
"Our women really ran well, that's the best we've done in five or six years," said UMass Dartmouth Head Coach Jon Hird. "They really came together in both the conference meet and in this meet, beating teams that have been beating us all year. Katie ran well, Courtney showed great senior leadership, and Meg, our other senior, contributed in a lot of ways. Sam Roderigues put it all together today and probably ran her best race of the year. The men had to compete without their number one runner, but they ran hard. We started the year with seven guys who had never run a collegiate cross country race, and they worked hard and became a good, solid team.
The competition was the final action of the season for the Corsairs.


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Yadavas through the ages, from ancient period to date, Volume 2
Sharada Pub. House, 1992 - History
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Abhiras According Ahirs ancestors army Aryans attacked became the ruler Bengal Bhatti Bhima Bhoja Bihar Bombay Brahmanas British brother caste cattle century A.D. Chalukya Chandel clans conquered daughter death Deccan defeated Delhi descendants described Devapala Dharmapala district dynasty emperor established famous father Gajani Gangeyadeva ghosa Golla Gopala Gujarat Gujars Gurgaon Haryana Hindu Ibid inscription invaded Jadamas Jain Jaisalmer Jatas Jats Junagadh Kalacuri Kama Karauli Khan Khyat killed king kingdom Ksatriyas later Maharaja Mahasabha Mahipala Malava Mandalika married Mathura mentioned Mirashi Muslim Nainsi Navaghana occupied op.cit origin Pala Panjab Paramara Pohakaran political Pradesh Pratihara Puranas Raja Rajasthan Rajputs Rama Rao Tula Ram Rastrakuta Rawal region reign Rewari ruled Saka Salivahana samvat Sanskrit Saurastra scholars settled Siddharaja Sindh Singh Yadava sloka Somanatha sons South India Sri Krsna succeeded Sultan temple territory tribes Tripuri Tula Ram Vaisyas Varman village Yadavas Yadu


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[Around Town] Leading Russian sculptor, artist and paper architect Alexander Brodsky creates a site-specific installation for Calvert 22
Summary: On the upper floor of the gallery, visitors encounter the major installation composed of two adjoining rooms. The 'White Room' – which has been cloaked in white curtains, with white light projected into the room, is empty apart from a row of miniature beds along one side. The room leads to the 'Black Room', cloaked in black curtains, at the centre of which is a sculpture with a number of identical Styrofoam figurines crouched around a light source which resembles a fire.
On the lower floor of the gallery, Brodsky has created a series of pencil drawings, several of which are of factories with smoke billowing from their flues. Other drawings depict people, birds or abstract shapes. A sculpture made of crumbling, unfired clay in the centre of the room recreates a converted factory where Brodsky lived for three years in Moscow.
Highlights: Being plunged into darkness in the Black Room, before joining a group of sinister-looking figures around an eerie fire is an enjoyable sensory experience, as is your return into the White Room, which although nondescript when you first entered, becomes another unique sensory experience when you emerge from pitch blackness.
Low points: Some people may find the installation upstairs a little too 'conceptual', and the space doesn't allow for the scale of some of Brodsky's more famous outdoor installations.
Curatorial comment: 'The visitor to the gallery embarks on an adventure in which the senses lead and reason follows, moving through two dramatically different environments, piecing together the disjointed narrative which gradually emerges as one makes their way through the installation.'
Final word: Not mind-blowing, but well worth experiencing a bespoke exhibition by one of Russia's leading artist-architects.
Alexander Brodsky – White Room/Black Room
Calvert 22
Until 25th November. Wed-Sun 12pm-6pm, Closed Mon and Tues
Admission: Free
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Goodwill Industries of Greater Detroit is steadily re-establishing a chain of thrift stores in Southeast Michigan.
The Detroit-based nonprofit plans to open its fourth and largest thrift store in a 17,322-square-foot space in Woodhaven on July 19.
It also broke ground on its fifth location last week at 12651 Middlebelt, south of I-96 in Livonia, said Mark Lane, director of public relations and special events.
The newly constructed Woodhaven store at the corner of West and Allen roads created 25 jobs and will provide training opportunities that enable participants in Goodwill programs to gain real-world experience to prepare them for a permanent job at the store or elsewhere.
Goodwill is leasing the Woodhaven store from Wyoming, Mich.-based developer Pinnacle Construction Group — the developer and leaser of its Commerce Township store — for $2.4 million over the course of a 10-year lease, said Jeff Ukrainec, director of donated goods.
Pinnacle is also the developer on a new 18,466-square-foot building in Livonia. Goodwill has signed a 10-year lease on that site for $3.1 million, with a projected opening in October, Ukrainec said.
The new stores will add to established Goodwill resale shops in Commerce Township, Dearborn and Canton Township.
Goodwill is also operating a pop-up resale boutique at Eastern Market in Detroit every other Sunday through September, offering outfits for men, women and children created by professional stylists from items sold at its brick-and-mortar stores, along with select vintage and retro home goods.
The local affiliate began opening thrift stores in late 2010, a decade after moving out of that business in metro Detroit, locating stores in high-traffic areas near affluent donors, focusing on higher-quality merchandise and a department store-like shopping experience.


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Antennas and propagation: symposium digest
Institute of Electrical and Electronics Engineers, 1985 - Technology & Engineering - 862 pages
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Catalog > Product Details
Catalog > Product Details
The original was first created as a Scratchboard. Nancy covers a white clay board with black India ink; then with a pointed razorblade she proceeds to meticulously scratch away the black revealing the white beneath as strikingly intricate contrasting lines. Her extensive training, knowledge of human and animal anatomy, and classical training combine beautifully to create the whimsical beauty of this scene.
The final Giclee was printed in Nancy's own studio with the rich texture of time tested archival inks that will last for generations. The image is then printed with long-lasting archival inks on either archival 100% cotton rag or archival water resistant canvas. Nancy, and her husband Bruce, take special care to make sure each print consistently captures the tonal quality and rich texture of the original.
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2014 Senate races favor GOP
With four months until Election Day, Republicans are as close to winning the Senate as they've been since losing it in 2006.
Six months ago, the GOP path to the majority was narrower: Republicans essentially had to sweep seven races in states Barack Obama lost in 2012 but where Democrats currently hold seats. Unlikely, in other words.
Story Continued Below
Now Republicans have more options. They've landed top recruits to take on first-term senators in New Hampshire and Colorado, nominated credible female candidates in open-seat contests in Michigan and Iowa, protected all of their incumbents from tea party challenges and thwarted more conservative candidates that could have hurt the GOP's chances in states like North Carolina and Georgia.
With the general election field all but set, Republicans are looking to turn the midterms into a national referendum on Obama. Democrats want the focus to be squarely on the candidates, and they're spending the typically quiet summer months trying to define Republican hopefuls as unlikeable and extreme.
( See POLITICO's full coverage of the 2014 elections)
Obama's approval rating continues to hover around his all-time lows, especially in the GOP-leaning states that will decide control of the upper chamber. Obamacare is not as toxic now as during the disastrous HealthCare.gov rollout, but it undeniably remains a drag on Democrats. The jury is still out on the economy: The Commerce Department announced a 2.9 percent decline in first-quarter gross domestic product late last month, but then the Labor Department reported last week that the unemployment rate in June had dropped to 6.1 percent.
Republicans are expected to pick up seats in South Dakota, West Virginia and Montana, where longtime Democratic incumbents are retiring or have already resigned. From there, they need to net three more seats to take control of the chamber. Fifty-five senators currently caucus with Democrats, 45 with Republicans.
With that in mind, here are the 10 truly competitive races, ranked in order of likelihood of a party change.
1. Louisiana
Democrats feel more hopeful than they did a few months ago about Sen. Mary Landrieu's reelection prospects. She became chairwoman of the Energy and Natural Resources Committee, which helps in the oil-rich state. And she ran effective biographical spots that showcased her still-popular father Moon, who has special appeal to crucial African-American voters after helping integrate New Orleans as mayor in the 1970s.
( Also on POLITICO: Democrats: Hobby Lobby ruling could boost 2014 hopes)
But Republicans are confident that Landrieu's "clout" argument won't get her to 50 percent in November, especially when Obama continues to block construction of the Keystone XL pipeline and pushes Environmental Protection Agency regulations. That would almost certainly mean an early-December runoff, likely with GOP Rep. Bill Cassidy, a relatively bland medical doctor.
Landrieu is a notoriously relentless politician. That's helped her survive even as the state has become redder. But she has an exceedingly difficult job this fall: to drive up black voter turnout and simultaneously appeal to independents and conservative Democrats who disapprove of Obama.
2. Arkansas
It turns out Mark Pryor is not Blanche Lincoln. In 2010, there was never much doubt that Lincoln — one of only three Democratic Senate incumbents to lose reelection in the past decade — would get wiped out. Republicans saw Pryor as a dead man walking when Rep. Tom Cotton got into the race and cleared the field. But the conventional wisdom has shifted; big Democratic TV buys drove up Cotton's negatives, and the race is very much in play. After some public polls showed Pryor ahead, a handful of Republican internal surveys have shown Cotton in the lead.
( PHOTOS: 10 tough Senate races for Democrats)
Pryor, who didn't even draw a Republican opponent in 2008, is a skilled retail campaigner with an independent image. But Arkansas has grown more conservative, and Pryor has voted for every signature Obama initiative, including Obamacare. Despite Cotton's controversial votes, whether against the farm bill or the Violence Against Women Act, he is a slight favorite at this point.
3. North Carolina
Freshman Sen. Kay Hagan does not have an established family "brand" like Landrieu and Pryor, which makes it easier to run against her as a generic Obama Democrat. But the president is more popular in North Carolina — he lost the state in 2012 by only 2 percentage points — than in Louisiana or Arkansas.
After conservative outside groups spent tens of millions bombarding Hagan, women's groups are now rallying to her defense. But, because she was elected in 2008, all her major accomplishments are the accomplishments of an unpopular administration. Republicans plan to run a campaign against Hagan similar to the one she ran against Elizabeth Dole in 2008: tying her to the president and calling her an ineffective legislator.
( Also on POLITICO: Dems' best shot in Mississippi)
State House Speaker Thom Tillis won the nomination without a runoff. He is now overseeing a special session of the state Legislature, which brings some political headaches, along with stories about GOP infighting. Hagan's path to victory requires destroying Tillis' image in a way that drives women and African-Americans to the polls.
4. Alaska
Even though Mitt Romney won the state by 14 points, freshman Sen. Mark Begich looks better positioned than any other Democratic incumbent running in a state carried by the GOP ticket in 2012.
The former mayor of Anchorage has run a flawless campaign thus far, and operatives on both sides agree this race will remain tight until the end. Begich's ads have highlighted his fights with the Obama administration on behalf of the state. And he has benefited from a well-funded super PAC that has battered GOP challenger Dan Sullivan with millions in attack ads.
This may not be enough. Sullivan, a Marine and former natural resources commissioner, is heavily favored to win a three-way August primary over Lt. Gov. Mead Treadwell and Joe Miller, who defeated Lisa Murkowski in a 2010 primary and lost in the general. Both Treadwell and Miller teamed up on Sullivan in a recent debate, but Club for Growth and American Crossroads are unified behind the front-runner.
Miller remains a wild card. He's not going to win the primary. But he hasn't ruled out running as a third-party candidate, and in a close race he could siphon enough votes to be a spoiler.
5. Iowa
The race to succeed retiring Democratic Sen. Tom Harkin feels like a true toss-up. State Sen. Joni Ernst rode late momentum to a GOP primary romp. Rep. Bruce Braley, from northeast Iowa, cleared the Democratic field and has had a year to build up an infrastructure and raise money. But Braley has also made unforced errors, including a disparaging comment about Sen. Chuck Grassley's background as a farmer.
Ernst is poised, has a good bio — she's from a rural area and is in the Army Reserve — and is running as an outsider. And Republican Terry Branstad, who's favored to win reelection to a sixth term as governor, could give her a boost. But Ernst also took positions in the primary that could hurt her in the general, from opposing minimum-wage increases to criticizing the Clean Water Act.


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When I reached my financial bottom in April 2006, one of my first responses was to simply start reading a lot about personal finance. I checked out a pile of books from the library on personal finance and tackled a lot of different suggestions from those books, along with some of my own ideas that I came up with as I went along.
One idea that was repeated over and over was how incredibly important and valuable having a budget was. I tried several different budgeting approaches and stuck with them for short periods, but the idea of a budget just never really stuck with me. The constant recording of expenses and estimates of spending in the future and so on always seemed like a bunch of busy work that never really went anywhere at all for me.
What did I do instead, then? I focused mostly on just watching what I spent. I did find a lot of value in simply jotting down every dime that I spent in a pocket notebook and, soon, I began to resist spending because I didn't want to write it in that notebook any more. I began to really focus on how I spent my money in a few key categories – books being the big one. I set up some automatic transfers to take care of specific bills and to start saving for specific goals. Perhaps most importantly, though, I began to really change my behaviors and how I spent my time.
There are two big things to recognize from this story.
First of all, the actual personal finance choices I made were budgeting. Writing down my expenses, setting up automatic payments and savings, focusing on problem categories – those are exactly the type of things that make up budgeting.
More importantly, however, they led me to the same theoretical goal that budgeting has – a more responsible relationship with my money. That's the destination of budgeting – a relationship with your money that enables you to have the freedom to effectively not worry about the money too much and just get on with your life.
If that's the case, then why do so many people fail at budgeting – and why is it still recommended so often in personal finance books and on personal finance sites? I think the answer to that question explains why budgets are so often described in personal finance books – and also explains how people can get real value from "budgeting" their own way.
Budgets, Budgets, Budgets: Why?
Take a look at the people who are typically authoring personal finance books. They're CPAs, CFAs, and other folks who deal with finances for a living. They've likely always been strong with math and never been afraid of dealing with large chunks of numbers – it always came natural to them.
I've always enjoyed math – in fact, I was just a few credits shy of a minor in mathematics in college – but I've never been much of a fan of business or accounting math. Large rows of financial figures have always caused my eyes to glass over. I enjoy chasing down a problem, but adding up figures and making estimates is not something I enjoy or naturally want to do with my time. I can do it, but it doesn't feel natural to me.
The important distinction here is that the traditional way of doing a budget is something that comes from people who are financial planners and accountants – people who are naturally gifted with working with lots of numbers and spreadsheets. That's great, but it doesn't accommodate how many people look at the world.
Not everyone is as comfortable with numbers as a CPA or a CFA. That's not to say they can't do it, but numerical analysis isn't as easy or natural for many people as it is for a person naturally drawn to accounting and financial fields. The advice given on budgeting in personal finance books often comes from those folks who are naturally gifted with numbers and thus their budgeting advice is often challenging for others to follow.
A Better Solution: Focus on the Goals
Instead of focusing so intently on the exact process of budgeting as shown in a personal finance book – and, even worse, viewing yourself as a failure if you can't keep it up – focus instead on the goals of all of this.
Why are you thinking about budgeting in the first place?
Most of us try budgeting because we simply need more breathng room in our monthly and yearly finances, for various reasons: repaying debt, saving for a big goal, building an emergency fund, or something else entirely. We know that the route to this is getting our spending in check.
The solution, of course, is to trim a little spending out of a lot of areas in our life.
The usual way of doing this is to sit down, sort our spending into a lot of different categories, and make estimates and targets for monthly spending – a very number-heavy process.
But, really, all that budgeting is doing is saying "I need to cut spending in these specific areas." It's difficult to cut spending in a lot of areas, but those are great areas to cut back in.
Because of this, I wound up with a solution that worked really, really well for me. I like to call it zero-sum budgeting.
Let's say, for example, that I have $200 a month set aside for our energy bill. I'm on the "budgeted" energy plan that averages out the energy costs for the year. I also have $100 a month budgeted to spend on whatever I want, so one month I use $50 of that to install a programmable thermostat and also on some caulk. I program the thermostat to turn off the heating and cooling when I'm asleep or at work and I use the caulk to air-seal my home. Next year, the energy bill gets reduced because you're using less energy – now it's just $165 a month.
Here's the key part. Instead of just spending that extra $35 a month, I start putting $35 a month automatically into savings. Since I was already making ends meet with the $200 energy bill, It makes no difference in my day-to-day life if I just put $165 towards the bill and $35 into savings instead of just $200 into the bill.
You can do the same thing with any category of spending once you have a good estimate of how much you spend in that area. Let's say, for example, you spend $50 on media purchases a month – DVDs, books, and so on. If you decide to "budget" just $25 a month for that, start off the month by automatically putting $25 into that account.
You can also do the same thing with "found money." If you come into a small windfall, just stick some or all of it into the account. If you find a great way to save some cash as a one-time opportunity, put that saved money into the account.
What can I use the money in that account for? If I'm building up an emergency fund, I just let it keep building until it's an amount I'm happy with – a few months' worth of living expenses. If I'm paying off debt, I clean out the account each month and use it as an extra debt payment. If I'm saving for a goal, I just put that money towards whatever goal I'm saving for.
Two points.
First, this doesn't work if you're already spending more than you make. That type of behavior is not sustainable. If your credit card balance is going up each month, no amount of budgeting or planning matters until you've reached a point where that credit card bill goes down each month.
Second, it works best if you focus in on a specific area or two. Budgeting is a lot like dieting. If you go cold-turkey crazy, you're going to have a very high likelihood of rebounding and undoing all of your good work. Instead, focus on one or two areas for conscious spending cutting and, at the same time, look for "one shot" opportunities to save money now or reduce ongoing expenses.
Any time you commit to financial change, willpower is required. However, it doesn't require an accountant's head for numbers. It requires a focus on goals, a willingness to actually make some behavior changes (one step at a time), and a desire for real change in your life.


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General information on buying PIP or Bank Repossessed houses:
This is a Standard Bank Repossessed Property. Standard Bank uses your Pre-auction offer to determine which properties go on auction next. All online bids and Pre-Auction offers on Standard Bank's Repossessed properties must be logged on this system. Email any queries to email@example.com .Continue reading...
The steps involved in buying a repossessed property on online auction is similar to that of buying any other property at an auction. If your bid is found to be successful at the end of the auction after the auction closed, you will receive an email to notify you, which will contain the Conditions of Sale contract as well as instructions to pay your 10% (or more) deposit. At this stage you will have 48 hours to pay your cash deposit in order for Standard Bank to proceed with the transaction. Once your deposit is paid Standard Bank will require you to complete and sign the Conditions of Sale contract and fax to 086 517 0269 along with a certified copy of your ID book as well as proof of residential address (water and electricity bill). If you require finance for this property, you can apply at any bank for a bond, as you would do on any other property. You need to take the signed Conditions of Sale contract to them with the application documentation. Please take note that according to CPA regulations obtaining finance can not be a suspensive clause in the contract. Read Standard Bank frequently asked questions for more info about Standard Bank Repossessed Property
Standard Bank Disclaimer
This list is produced by the Standard Bank of South Africa Ltd ("the Bank") for information purposes only. All properties are sold "voetstoots" (meaning as is), and prospective purchasers' are advised that the Bank does not guarantee vacant occupation of the properties being sold, and purchasers will have to obtain vacant occupation at their own cost. You are advised to consult the relevant Deeds Registry Office for accurate information pertaining to a particular property, such as size, endorsements, servitudes etc. By making an offer on any property advertised on MyRoof.co.za, online, or using any other medium you warrant that you understand that making an offer is not a bidding process and Standard Bank, in its sole and unbiased discretion, and for whatever reason retains the right to accept or reject any offer at any time for whatever reason and is not obliged to accept the highest offer. All users of the information on this website do so at their own risk. Neither the Bank nor MyRoof.co.za will be liable for any losses of whatsoever nature incurred, as a direct or indirect result of the use of the information on this list.
Standard Bank recommends that potential purchasers visit(s) and inspect(s) each property prior to submitting a bid via the online auctioneering platform to ensure that potential purchasers familiarize themselves with the condition of the property, prior to submitting a bid. If potential purchaser(s) are not able to view and inspect the property, Standard Bank advises potential purchaser(s) to refrain from participating in the bidding process.
Erf Details: Erf 434 SCOTTSDENE - Erf 434 SCOTTSDENE
This house is for sale in Scottsdene. This is a Standard Bank Repossessed Property .Continue reading...
This single storey house floor area was not measured but the erf size was measured at 85m2.
If you make an online offer using the Make An Offer
button MyRoof will let you know if your offer was successful with the bank.
To make an offer takes less than a minute.
Many people buy bank repossessed houses to save thousands of rands on transfer fees. Bank repossessed houses are normally priced way below the market value and offer great value for money.
Looking to sell your property in Scottsdene? Via MyRoof, you can sell house in a few easy steps, with professional help, every step of the Sell My House way. We've achieved 5 private property sales in Scottsdene. Because of our superior offering, there is a high demand from people to sell property in Scottsdene. To market your house online for free, click on the "Sell My Property" tab at the top of the page or the "Sell House" button on the right of this page.
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Whether it's Billy Ayers or Bernadine Dohrn, Tom Hayden or Jane Fonda, or any of the other lesser-knowns, 60s Marxist radicals are lining up behind Obama. Obama's young worshippers think they see something altogether new, a unique persona, seemingly magically transported to this moment in history to help them finally be the ones to net the elusive butterfly of socialism's never-realized promise. The kids think they see something new. But do they?
Read Original at: National Review


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Swimming Pool Blog
by Rob Cox December 11, 2013
Gadgetizing your Swimming Pool
Pool owners are just like everybody else - they like the cool stuff. Cool stuff is the topic of the day, here's some of the coolest tech gadgets for your swimming pool.
These aren't kid's toys, although we have a lot of pool toys for kids - these are toys for the adults in the house. Most of these you won't find at poolcenter. Search online if you are interested in finding more information, or buying one of these gadgets for yourself or friends.
If you have a favorite cool pool gadget that isn't on the list, leave a comment on the bottom of the page to add it to the list.
Solar Breeze Pool Skimmer
The Solar Breeze is a solar powered pool skimmer, roaming your pool surface in search of floating debris. Two paddle wheels motor the device around the pool, and sweep floating debris into the debris chamber. An additional screen inside the chamber filters fine dust and oils, down to 50 microns in size. The Solar Breeze also acts as a chlorinator, with a compartment large enough to hold two 3 inch chlorine tablets.
Great for pools with lots of debris or ineffective skimmers, the Solar Breeze Pool Skimmer sells for $499.
Remote Controlled Pool Skimmer
Another item for the pool that gets inundated with leaves, too many for your skimmer to handle. Instead of breaking out the skimmer net, place the Jet Net in the pool, and use the remote control to direct it to the area of the pool that needs cleaning.
Full size leaf rake snaps in place and is easy to remove and replace. The Jet Net operates on a rechargeable NiMH battery, which gives about an hour of cleaning time. Super combination pool toy and pool tool, the Jet Net sells for $140.
Underwater Music
Underwater sound has been used for years by divers and researchers, and underwater music is used by synchronized swimmers and by competitive swim athletes.
How about music underwater in your own pool? There are several floating speakers available, very cool gadgets, not too expensive, but with poor sound quality. There are models that mount into a light niche, sit on the floor, or float on the water. Prices for underwater audio vary, but are generally over $1000.
Badu Swim Jet
This product allows you to swim in place in your pool, much like a swim spa. Secure the Badu Jetstream Over the Wall Treadmill to the edge of the pool, and have an electrician wire it up and you'll have over 5000 gallons per minute of adjustable water and air flow.
Fits on nearly any pool, even some aboveground pools for swim training, or use the powerful jet to reach those painful spots in your shoulder and back. 4 hp pump motor suction is housed on the rear of the self contained unit, to reduce any entrapment danger. $4500.
Aqua Bike
The In Pool Exercise bike, constructed entirely of ABS, Nylon and Fiberglass, is another cool way to get more exercise out of your swimming pool. Just place the lightweight pool bike (36 lbs) in the pool, and start paddling.
The deeper the bike is, the more resistance there is for the rider. Change the angle of the paddle wheel blades for more resistance. Can also be used on land, and safely stored outdoors with no worry about corrosion. Get yours for $900.
Floating Table
The Aqua Pub is a floating table that weighs just 85 lbs dry, and works on land as well. Two people float it into the water, and a cushion of foam and air keeps it floating. It's balanced too, so that just one or two can use it without it tipping.
Built in cooler and umbrella hole in the table center.Made of ABS plastic with nylon and stainless steel screws. The Aquapub is hard to find, but if you can locate one, they run around $1500.
That's my list of 6 cool pool gadgets. I had originally planned for 10 items, but in the interest of making a list of really unique items, and not rehashing the same old stuff, I cut it down to 6.
Have a happy holiday, and a Merry Christmas. I hope some cool new pool gadgets find their way to you this year.
- Rob


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Louis Vuitton Monogram Batignolles Vertical Bag Pre Owned
This item is no longer available
Authenticity code: Louis Vuitton CA2077
Authentic: Pre Owned
This authentic Louis Vuitton Batignolles Vertical combines versatility and class. With Louis Vuitton luxury and its classic monogram canvas is finished with sleek golden hardware and luxurious natural cowhide trim, while the spacious interior easily holds your essentials. The comfortable flat vachetta straps make this bag a delight to carry.
- Exterior: Like new
- Interior: Like new
- Description of Interior: Textile Lined
- Interior Pockets: One zipper and one open pocket
- Color: Brown
- Hardware Description: Gold Hardware
- Material: Monogram
- Width: 10.2 in.
- Length: 5.5 in.
- Height: 9.1 in.
- Handle Drop: 7 in.
Product Code: 2189004
Read more about Louis Vuitton Date Code here.
All photos are of actual item being sold. © 2007-2019 LuxeDH.
This Louis Vuitton® item is guaranteed to be authentic. Louis Vuitton is a registered trademark of Louis Vuitton. LuxeDH is not affiliated with or represents Louis Vuitton in any way or form.


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A Christmas tree shortage is driving higher prices at lots this year
The Christmas season is officially upon us, and with it comes the tradition of purchasing a fresh-cut tree to bring home for the holiday.
Those who have already done their tree shopping may have experienced sticker shock when picking up their tree at the local lot, however: The country is in the midst of what tree growers are calling a shortage with prices increasing at many places.
The recession is largely being blamed as the reason we're experiencing higher prices at lots. Christmas trees take about 10 years to grow for retail, according to National Christmas Tree Association spokesman Doug Hundley, which is why consumers are mostly seeing the slowdown in selection and the increase in prices now.
"In 2007, we were at the beginning of our recession and tree sales were down, prices were down, farmers didn't have the space in their fields to replant because they weren't harvesting as many," Hundley said.
"There was a slowdown in planting 10 years ago, and that's what's leading to this: it's not the fires, it's not the weather, it's just the planting rhythm of this crop is very long and we can't grow them fast."
And while that may be true, some family tree farmers in the Santa Cruz Mountains say the California drought did prevent many new plantings from taking root and surviving, potentially further limiting the local supply.
Ken Orsow, manager and former owner of Christmas Tree Jamboree in the Bayview district of San Francisco, noticed the increase in prices. Orsow noted that prices jumped "dramatically" in the last three years, saying he's looking at $5 to $10 more per tree than last Christmas.
"This is the most expensive I've seen the trees hit in my lifetime," Orsow said. "Some of the trees are costing as much as $70 just for the wholesale of the tree. That's a lot of money."
Orsow's worked with Christmas trees for about 50 years by his estimate, and he's guessing that there may be another year of raised pricing before the market slows down.
"It's a commodity: Prices go way up, (then) it goes way down," Orsow said of the trees. "I've always tried to stay even on the pricing, but when it goes up this far, there's no way that you can not raise the price of your trees. You have to at least match what you've been raised.
"This is a community lot for the people down in the Bayview and Hunter's Point area, and I've always tried to keep the prices way, way down," he added. "If I go up $5 or $7 wholesale, that's what they go up on my retail."
The majority of Christmas trees are grown in North Carolina and Oregon, and this is the first time in years that both states are in short supply, according to Hundley. Oregon largely supplies the West Coast with its trees and its shortage will largely affect California pricing.
Noble firs in Oregon are particularly experiencing growing issues, beyond the pullback from growers over the recession. Willamette Valley experienced a "practically nonexistent" crop of Nobles for about 15 years, before finally reaping a good crop in 2016. That tree species is expected to continue commanding a much higher pricing.
"There is a shortage of Noble trees grown in the Northwest and it is expected to last eight years or more, so prices for Nobles will definitely rise probably from 5 to 10 percent this year," according to Sam Minturn executive director of the California Christmas Tree Association.
The national group is predicting a 5 to 10 percent increase across the country for all trees, saying higher prices are also expected to happen with East Coast tree lots purchasing from North Carolina suppliers as well, according to Hundley. The hope is that the market will return to normal before 2020.
"It'll take some patience, the Christmas tree growers since 2010 have been planting heavily, and we think this undersupply or tight market will pass in just a couple more years," Hundley said.
One suggestion to avoid a limited selection of trees is to head to local farms that allow customers to choose and cut down their own tree. Places such as the Little Hills Christmas Tree Farm in Petaluma grow their own trees and reported that they're not experiencing the shortages and raised prices that lots featuring trees from commercial growers are seeing.
"This is a good time to visit a local tree farm as they nearly all grow more than one species of tree," Minturn said. "We haven't heard of any shortages with them unless they were affected by the forest fires such as the one in the Santa Rosa area."
Now, the shortage doesn't mean that Christmas tree lots are empty of trees, but it will become difficult for procrastinators to pick up a last-minute tree. Retailers and experts are suggesting customers pick up their trees earlier this year in order to avoid slim pickings later in December.
The Associated Press contributed to this report.


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With quickFacts you may quickly view single data elements for a state, district or school
With expressTables you may view most requested data tables at the state, county, district, and school levels
With tableGenerator you may create custom tables for a state, district, or school
Use these links to create a table for each of the datasets. Click "Modify" above the tables to change the variables included in the table.
ElSi utilizes variables that are frequently requested by users for producing tables. It is a fast, easy way to obtain basic statistical data on U.S. schools. When generating custom tables, ElSi allows the user to choose row variables, column variables and filters to refine the data included in tables produced.


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Channel 13's John Bachman hosts Insiders one last time. He is joined by Mike Mahaffey and Jerry Crawford.
Then later joined by Channel 13's Dave Price and all the Insiders Doug Gross, Tom Henderson, and Tom Miller to say farewell to John Bachman.
Next week, John Bachman will be the guest of Dave Price's first Insiders.


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Aloha Bowls: the prettiest acai bowls in Honolulu
"Isn't acai over?" a friend says. He cites a 2011 New Yorker article on the rise and fall of the acai berry. Perhaps on the Mainland, but certainly not here in Hawaii, where the appetite for acai bowls rages on. Maybe it's because of the surfer culture, maybe it's because we need something frosty but healthier to counterbalance our love affair with shave ice, maybe it's because they're just so damn good.
Especially when they come from the Aloha Bowl truck.
It's been around since April, but now with a more regular schedule and some added bowls. The truck is Kenny Lum's, bartender at Nobu, which accounts for the aesthetic flair and extra touches. For the Manoa bowl ($8) he blends acai, kale and spinach into its base and tops it with the usual—strawberries, banana, granola—but also adds a sprinkling of hemp seeds. The Ali'i Bowl ($9) is adorned witih a housemade white peach sorbet, yellow peach and frozen raspberry bits (definitely a trick learned from Nobu). And don't forget the Aloha Bowl ($9), topped with housemade haupia sorbet and toasted coconut flakes. They're all as good as they look.
Find @AlohaBowls on Twitter for its locations.


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How Bad Sitting Posture at Work Leads to Bad Standing Posture All the Time
Good posture means aligning ears over the shoulders, shoulders over hips, and hips over the knees and ankles
Looks like your mother was right when she told you to sit up straight.
There's growing evidence that good posture contributes to a range of health benefits, from reducing back and joint pain to boosting mood. Health-care practitioners from physical therapists to surgeons to psychologists increasingly take posture into account when evaluating patients, and offer tips and tools for improvement.


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Lee T necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 141 diseños de 29 diseñadores freelance.
Black Canyon Coffee Australia
Black Canyon coffee Australia is brand new to Australia and we already have our stores up and running in various locations. But we are looking to go bigger and re brand ourselves.
When someone comes to one of our stores they are guaranteed an experience unlike any other coffee shop. Beautiful comfortable decor, friendly staff... seriously friendly, and smooth rich tasting coffee. Stay as long as you like, enjoy. Our food goes beyond the cakes and muffins in your average coffee shop.
We really do aim to give our customers something to remember.
Coffee drinkers around Australia - pretty much everyone.
The logo has to be modern and sharp, it has to strike the attention of anyone who sees it without being offensive to the eye.
Please be creative, I will let people know when I see something I like.
I don't want anything that is to cliche' Australian.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.