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WINSLOW — The 17th Maine Skirmish will be held Sunday at Winslow High School. The grappling tournament, which began in 1996, is again sponsored by Huard's Martial Arts.
The Skirmish runs from 10 a.m. to 7 p.m., and admission is $8.
Typically, the Skirmish will draw about 200 competitors from several states. There are nearly 50 categories, ranging from one division for boys and girls age 6 and under, to split novice and intermediate/advanced classes for women ages 17-39 (depending on weight) to the Men's Masters Division, with lightweight and heavyweight classes.
Naturally, the rules differ depending on age and experience. If you're under 10, you start on your knees, If you're a girl under 17 or a boy under 13, there are no submissions in the bout. If you're a novice or under 17, you can't do leglock submission moves like the kneebar (hyper-extending the knee) or the heel hook (twisting the foot).
At the same time, a lot of the focus in on sportsmanship and respect for the competition. The entry form warns grapplers against sandbagging, and says that a win in the novice division moves you to the intermediate/advanced level in your next bout. Making comments to an official, your opponents, or the crowd can result in immediate disqualification.
One highlight of the event is the sumo competition at 10:30 a.m. There are nine divisions for junior sumo, and all competitors are age 16 and younger. The top two competitors in each division move on to a "yokozuna" match for the title. With the Skirmish being held on Veterans Day, the competitors will enter while holding American flags to honor United States veterans.
Local & State
Dresden considering ending elections for town administrative positions
Local & State
McGee Construction wood harvester destroyed in Farmingdale fire
Maine Crime
Morning Sentinel Feb. 22 police log
Health care
Maine will ask feds for more flexibility in Medicaid spending
Nation & World
Trump administration to bar abortion referrals by family planning clinics


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Cookery Classes
We are offering a variety of hands on cooking experiences, day courses and relaxed demo and dine evenings designed to make cooking a fun experience regardless of your cooking ability. Our approach is friendly and informal with classes having a maximum of 12 students, which allows the teacher to praise your efforts or be on hand to get you out of any calamity. Although the overall aim from each course is to enjoy yourself, everything will be demonstrated, techniques explained and handy tips shared which will help improve yourskills and above all build your confidence to create the perfect dining experience.
Along with using local suppliers for our meat, fish fruit and veg we also like to keep our teachers local too, allowing a great opportunity for you to learn from a very broad spectrum of knowledge that is on offer. Whether your style is cordon bleu or beans on toast, or you see yourself as an experimental Heston or a spoon licking Nigella, with all the courses we will have on offer the world is your oyster.
Our cookery school uses all the latest equipment from AEG our appliance partner. We chose AEG because of their quality, large range of products and reliability, the last thing we want is to run a class and find out that the ovens are no longer working! AEG supply some of the world leading products which have graced the most beautiful of kitchens and now you get to work with it within the school. Whether you are giving your bread an extra shot of steam in the top of the range steam oven, trying your hand at Japanese cuisine using the teppanyaki, giving the local barista a run for their money with the automatic coffee maker or using the precise heat and controls that the amazing induction hob has to offer. Throughout the school we also have extremely large AEG fridges, under counter freezers, fridge drawers, combination microwaves, wine coolers for both white and red wine and instant hot water taps. These are all available down the stairs in the kitchen showroom where other various appliances are also on show.
Please note, all classes must be booked at least 48 hours in advance to allow us to organise class lists and ingredients. All classes must be paid for prior to class taking place, payment secures the place in the class, if a booking has been made but no payment received the place will be released. In exceptional circumstances we reserve the right to cancel classes at any given time, we will try to give you as much notice as we can as we hate to let people down, but sometimes these things happen.
If you wish to cancel a class please let us know as soon as you can, booking numbers are very important to us to enable classes to run. We require at least 48 hours' notice to cancel a class. We unfortunately do not offer refunds, but if you have given us sufficient notice we are happy to transfer you to another class of your choice. We are aware things can crop up at the last minute but if you are unable to attend due to illness or other unforeseen circumstances, your place can be transferred to another person but not to another date.

subset: commoncrawl


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First things first. Who are you going to allow into your circle of trust? Who are the people that will be conducting the investigation? We're Vetted by the Nevada State Private Investigators Licensing Board, on of the most toughest states in America to get a license. We are also a member of the Nevada Society of Professional Investigators.
NSPI Website
Upon meeting we will also provide you with resumes, licensing and clearances, as well as a Non Disclosure Agreement for your confidentiality.
As you can see above, we're not afraid to get our hands dirty. Our services include undercover investigations, witness statements & location services, surveillance, identity theft, civil, criminal and insurance investigations, and we produce video, photographic and computer evidence.
This is a complete start up intelligence report, getting you the immediate situation of your target. Usually done in 4-7 days and between 5 to 10 pages, we rally our complete resources to immediately gather as much information from all resources connected, utilizing all of our skill sets to do so.
This is a covert long term on-going intelligence gathering case, for the intentional purpose of gathering as much unknown information about your target as possible. We set up a strategic plan of objectives and goals, as well as a schedule, then attempt to meet them tactically, week by week, possibly month by month, while gaining and building our intelligence portfolio, as well as putting ourselves in position for, "intelligence of opportunity," and furthering the objective.
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Our CEO, Tony Jones, is also the former Director of Training of Crisis Response International (CRI). CRI specializes in field of Israeli Counter Terrorism Training, and trains some of the most elite Surveillance Operators in the world. He now trains operators with Core Group Training. See the outline below.
We are not only continually involved in on-going surveillance operations, but training others to do so as well. Our surveillance experts have extensive expertise in state of the art surveillance equipment, psychological techniques, and strategic planning.
In today's day and age more people are taking a second look at who it is they are letting into their daily lives.
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Core Group utilizing creative techniques, proprietary profiling methods and ethical investigative strategies to acquire videotape evidence of an individual's physical activities.
Background Investigations provide insight in an individuals past that otherwise may never be known.
In today's day and age more people are taking a second look at who it is they are letting into their daily lives. Don't let you and your company's safety be at risk.
1000's of workers file fraudulent worker's compensation claims each year.
An estimated 30% of job applicants submit inaccurate or incomplete resume.
An estimated 10% of the American workforce use dangerous drugs while in the workplace.
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Member Nevada Society of Professional Investigators.
Corporate eSpionage
Corporate espionage and company corruption are an on-going serious problem for businesses. Fraudulent practices by employees, such as the theft and sale of valuable information, can seriously damage a company's reputation and financial position.
Businesses are commonly targeted for illegal electronic surveillances by competing corporations and foreign governments, and high profile personalities and celebrities too, due to their tabloid and extortion value.
Personal and Corporate espionage is a rapidly growing phenomenon in our highly competitive and complex global economy. Are you sure that your company's classified information is being protected?
Have you ever discussed vital contract information or the latest product development, only to find out later that this confidential information was suddenly public knowledge?
Only you know if you have reason to believe whether someone is listening or watching, and if you think they are, then they probably are.
CRIMinal investigations
Our operatives are trained in all forms of criminal investigations, from on site covert investigations to detailed criminal history investigations.
We conduct investigative services for the legal, corporate & private sector, using advanced skills, surveillance techniques, and the latest in advanced technology.
civil investigations
Make sure you know who it is you are doing business with, work with or may even be living with. In today's day and age more people are taking a second look at who it is they are letting into their daily lives.
We handle all types of civil investigations, from advanced personal surveillance to civil record investigations.


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Folk Arts
- Regional Resources Centre For Folk Performing Arts
- Rashtrakavi Govinda Pai Samshodana Kendra
- Yakshagana Kendra
- Siri and Ritual
- Kambala
- String Puppets of Kogga Kamath
- Folk Arts and Dances of Karnataka
- B.P. Bairi
- Dr. K.Shivaram Karanth
- K. K. Hebbar
- Kalinga Navada
- Laxminarayan Hosabettu
- Mahakavi Muddana
- Prof. K S Haridas Bhat
- Prameela Cholayya
- A. Ishwarayya
- Dr. N. T. Bhat
- G S Shenoy
- Ms. Malini Mallya
- M V Kamath
- Prof. H. Krishna Bhat
- P N Narashimha Murthy
- Ramdas Samaga
- S. A. Krishnaiah
- Sham Benagal
- U. R. Ananthmurthy
- Vaidehi
- Veerappa Moily
Philatelic & Numismatic
Somana Kunita (DANCE)
In south Karnataka-region many village dietys (Mother-goddess) shrine have the Soma(mask) Cult, it has emerged as a local spirit worship and on the occation of ceremonial day of the dietys these Soma'(Mask spirits) are honoured. The term Soma- refers a unsatisfied warrior character, after death he or she becomes a guardian to the Mothergoddess. On the other hand the local people calla DEVA SOMA'S (MASK OF THE GOD/DIVINE SPIRITS) There are many types of the Soma's, which differs from region to region. The worshipers of these Soma cult are belong to the community of Gangematadavaru (Fisherman group) The colour of the Soma's are have special feature and depicts the nature of the spirit, either good or harm (trouble giver) to the devotees. Red-mask represents harmless, rest of the volour mask i.e. yellow are black are trouble giver. In the cemonial day devotees offer blood sacrifice to these spirits. Masks are made of Indian red tree or of Pterocarpus Santalinus Linn family tree. Mask wearer observs certain taboos in his habits to keep-up the mind in purity. Mask wearer holds a cane or stick and peacock feathers bunch in the hand and dance according to the tune of the music which accompanied to him Mask dance starts from the pitch of mother goddess is temple with certain ritual. the process of the ritual and worshiping by non-Brahmin (Dravidian). On the Mask- head a mini headgear will be placed, it will be in the shape of arch (curved structure). Decorated with color fulfill flowers and green neem leaves. Back portion of the headgear contain many colorful cloths hanged down in frill, Somas (Mask) are ferocious in dancing according to the tune of accompanied instruments. Accompanied instruments are "ARE" (percussion) "DOONU" (Percussion) "MOURI"(Wind pipe) "SADDE" (Windpipe for humming sound or shruti). Usually the Soma's proceeds from the mother goddess temple. Priest holds a whip in his hand and controls the spirit- oriented masks. Often sings the epic of the Mother Goddess (Mythological hymn) To the tune of the oracle and music some time mask-Soma get procession, to control from the trance state the blood offering will be given of fowl or chicken.
In recent days the Somas (Mask) are made out of softwood and much introduced in the city folk with traditional costumes. The whole appearance gives the vision of chinese or Napalese masks.


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Modern Development Thinking
I have argued that development can be seen occurring at two inter-related levels. The first is at the national level, where the question is of catching up, driven by competition between states. The second is within the nation.
We find examples from throughout history of individuals focused on development within a nation (or kingdom or empire) to improve the livelihoods of individuals. We have talked about Adam Smith, a direct precursor to our modern thinkers, reflecting on the role of development to remove poverty and improve society during the Industrial Revolution. As we are still in that epoch, though pushing towards a post-industrial world, Smith's views on development remain relevant. This is easily seen in the Millennium Development Goal to eliminate extreme poverty (typically those living on less than $1-$2 a day). Squalor not only remains, but continues to be the most concrete example of the dislocations of progress. As I also pointed out, extreme poverty is not only a failure of progress, but a symptom of attempting to catch up; the price of being a participant in the modern world.
These are oft-competing imperatives. Must you pay the price of poverty and squalor to move up the competitive global ladder and avoid being oppressed by higher-up nations, or do you focus on addressing the problems of the people in the hopes of improving the livelihoods of the people within the nation? It is the interplay between these responses (for all nations have done a mix of each) which has led to a multiplicity of responses at all levels, from local to global.
The past 70+ years have spawned a specific industry that is recognizable for doing work in "international development". We explore that industry now.
The Birth of Modern Development Thinking & International Development
Modern development thinking arose from the ashes of WWII. Institutionally, it was born out of the Bretton Woods conference and system, which set up a system of rules, institutions, and procedures to regulate the international monetary system (see Wiki), including the IMF (International Monetary Fund) and the International Bank for Reconstruction and Development (IBRD), which is now part of the World Bank.
This was a time dominated by Keynesian ideals. The world had learnt lessons from the depression and World War I. Leaving countries economically behind was a recipe for creating environments ripe for conflict (a lesson we soon forgot).
International Development was strengthened by the success of the Marshal Plan and the reconstruction of Europe (see Wiki), as well as Soviet industrialization. These early successes led development thinkers into imagining that these results could be replicated across the globe.
From the beginning, however, responses and plans were divided in purpose. One side of the coin was focused on providing economic convergence. Early economic development often focused on creating gross national income growth (over 5% per year) which would trickle down in the form of economic opportunities (so called Reaganomics has a long and unfruitful history).
Yet it was also the time of colonialism and the White Man's burden. As I noted in my first post:
As Mario Blaser (2009) pointed out, with an active idea of progress the modern, industrial West represented a higher stage in a process of unending evolution, with the 'traditional rest' residing at various stages of earlier evolution (located closer to nature). This linear, evolutionary trajectory, "…justified treatment of the Other, along with nature, as objects amenable to being disciplined and reformed according to the designs of the modern West" (Blaser, 2009 p. 439).
When one couples that idea of progress with the forms of domination, exploitation, underdevelopment and unequal development that arise from competition between states, one can rightly assume that local, organic development (immanent development–what people are doing anyway) was suppressed in favor of intentional development, proposed by Westerners.
International development interacted with forms of colonialism, cold war politics, and imperialism. It put in place institutions and forms which attempted to replicate the success of the West and promoted Western educated leaders who fit into the system.
What followed was, unfortunately, largely decades of corruption, white elephant projects (mal-investment) and local elites moving finances to overseas bank accounts (especially within SubSaharan Africa). When there was growth, it failed to trickle down.
For those concerned with economic convergence there was recognition that what mattered were quality investments and a certain type of growth (Todaro & Smith, 2010). As economic convergence failed to happen, the shift slowly became more towards development thinking within the state, the improvement of certain indicators.
In 1969 Dudley Seers argued, utilizing what he referred to as a Gandhian approach, that development has three essential elements: reducing poverty (the ability to purchase physical necessities), reducing unemployment (moving from idleness to activity) and reducing inequality. Thus to determine if a country is developing, one should not look at per-capita income, per se, but ask: What has been happening to poverty? What has been happening to unemployment? What has been happening to inequality? National income, he argued, is important only as a measure of development potential (Seers, 1969).
Let me quickly note that some 40+ years on, and still this idea, of merely showing development potential strikes me as a truth that remains far too hidden from most economists, behind all the reams of data piling in.
While international development began adding multiple elements beside economic growth as indicators of success, the focus remained on shifting production from agrarian to industrial society, as agricultural production garnered low profits and growth opportunities. Countries attempted to do so through import substitution industrialization (ISI) (see Wiki) and export oriented industrialization (EOI) (see Wiki). The majority of developing countries looked inward and chose ISI.
Currency crisis in the 80s due to ISI, coupled with the rise of first China then the other Asian Tigers has reordered views towards export oriented industrialization across all countries. Indeed the shock therapy applied to the emerging nations of Eastern Europe after the fall of the USSR represented an attempt to hasten the export process. Of course we are now dealing with the political fallout from those economic decisions, with the Russian economy still well below earlier levels.
The 90s bought a technocratic fix called the Washington Consensus (a set of economic policies), and subsequently to the neoliberal political distortion of the Consensus. This was coupled with the rise of monetarism and the transformation of capital flows. These flows of 'hot money' led to financial crises in Asia and helped guide China in its pick and choose approach to global integration. Indeed the rise of China through EOI and state intervention has forced a fundamental rethinking of development.
What is clear is that international development has evolved from a mix of failures and successes, with failures firmly predominant.
Current Formulations
The evolution of development thinking has led to (and will continue to lead to) a multiplicity of development approaches. Problems are addressed in multiple forms, at multi-scalar levels, and through different institutional lenses. Here are a few examples–
Movements From Below
The strongest movements from below, as Manoranjan Mohanty (2007) argues, are calls for Peoples Democratic Organizations (PDOs). These organizations call for rights to local self-determination. They are focused on finding local solutions to the local application of problems of global scale. PDOs struggle to find their place as the current analytical frame of development remains the nation state. According to Natural Justice, an international NGO, the State has taken on the role of parens patriae, making decisions on behalf of communities on the pretext that communities are unorganized and do not have effective decision-making structures.
Global Civil Society
There is also global civil society, a transnational network of non governmental organizations (NGOs) which operate within, across and above nation states. Global civil society acts as a global 'watchdog', critiquing both public and private responses to development needs. It also acts as a provider of services within the shrinking neoliberal state, as well as offering a potential third sector—a route for exploratory instruments of development (though this is increasingly critiqued—see Michael Edwards, Mary Kaldor).
International Government Organizations
Currently, international governmental organizations (IGOs) such as the UN, World Bank and IMF provide expertise, advice, rules and guidelines that have become more nuanced in their application and acceptance of local, national, regional and global needs. However, they remain top-down organizations which dictate institutional forms and the lenses through which development is often understood (think of structural adjustments or the Millennium Development Goals).
Corporate Social Responsibility (CSR)
There is also a greater mix between national governments and business. The rise of public-private partnerships to fund programs and projects is increasing, as well as more projects and programs driven by CSR.
Organizations at all levels interact, creating a mixed, hybrid network of responses to meet development challenges. These approaches often seem contradictory at the implementation level and lead for greater calls for a cogent response through both global governance as well as more self-determination for local communities.
A fundamental debate continues: is development best approached through top-down or bottom-up approaches? Economists refer to this as the planners and seekers debate. Or, the Easterly and Sachs debate, individuals who have engaged in heated rhetoric and arguments on what development should look like.
This debate, however, unnecessarily creates a simple binary choice. Any complex system is difficult to reduce to a simple schematic. Top down? Bottom up? Why not both, and middle approaches? Especially as this is the reality in the field. Visit the rural town of Isiolo, Kenya and one will find organizations from the UN to NGOs to small local non-profits and businesses, all operating in the same environment, sometimes in cooperation, often in competition.
It is disingenuous to fail to take into account the various different multilateral, governmental, civil society and private sector actors that actually shape global conditions!
In the next post I provide an overview of Mainstream Development as well as exploring a basic post-development perspective. By the end of that post hopefully we will all be on the same page, so that we may begin to delve into a conceptualization of development that I find to be the most useful, and which helps point us towards that elusive goal of determining a definition of sustainable development that builds on the foundation of progress, but advances us further.


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Ayala, F., De Ste Croix, M., Sainz de Baranda, P. and Santonja, F. (2012) Absolute Reliability of Hamstring to Quadriceps Strength Imbalance Ratios Calculated Using Peak Torque, Joint Angle-Specific Torque and Joint ROM-Specific Torque Values. International Journal of Sports Medicine, 33 (11). pp. 909-916. ISSN 1439-3964Full text not available from this repository.
|Item Type:
|Article Type:
|Uncontrolled Keywords:
|Orthopedics and Sports Medicine
|R Medicine > RC Internal medicine > RC1200 Sports Medicine
|Schools and Research Institutes > School of Sport and Exercise > Applied Sport & Exercise Sciences
|Research Priority Areas:
|Sport, Exercise, Health & Wellbeing
|SWORD Depositor:
|Ivor Dummy
|Depositing User:
|Ivor Dummy
|Date Deposited:
|07 Jun 2017 13:54
|Last Modified:
|07 Jun 2017 13:54
University Staff: Request a correction | Repository Editors: Update this record


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(313) 366-5304
AmeriTi Parts Receives Order to Produce Titanium Main Bearing Caps via Press and Sinter for a Mass Produced Engine
August 21, 2014
AmeriTi Parts has been awarded a purchase order to produce main bearing caps as a prototype for an engine currently in mass production. The project will compare the properties of titanium against other lightweight alternatives to PM steel. Titanium offers the opportunity to reduce engine weight by as much as 5 pounds in the main bearing caps without sacrificing strength. AmeriTi was selected because of its competitive advantage as a low cost titanium powder producer combined with its press and sinter capability. Tensile, modulus, and fatigue properties will be available for publication at the conclusion of this project.


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SOWETO, South Africa – Soccer players still come to see Kenneth Nephawe. Only not as many and not as often.
"About two, three teams," he says.
Not long ago, it might have been several times that number, a friend says sadly, but times and preferences change.
Nephawe is a sangoma, a practitioner of herbal medicine, divination and counseling. Some would call him a juju man or traditional healer, the term he prefers.
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Once, juju men were as integral a part of African soccer as the ball and the goal. But now the bright lights of the World Cup have pushed many believers to the margins, or even underground.
Ghana, which plays the United States today, is one place where such methods are still getting attention at the highest levels.
For example, some in the West African nation – the only African team still alive in the tournament – say the injury that has kept star midfielder Michael Essien out of action is the result of a spell cast by his father, as revenge for being neglected.
And last month, the Rev. Osei Kofi, a former national team star, said a Ghanaian club team had spent more than $60,000 on what he called "superstitions" last season.
Such controversy is one reason why experts say the Confederation of African Football recently banned traditional healers from associating with teams.
The move was made during the run-up to the first World Cup to be played on African soil, and it was an official attempt to be taken more seriously in parts of the world where sangomas are looked upon as witch doctors and their practices dismissed as black magic.
To Nephawe and many other Africans, such views are ignorant at best, arrogant at worst. In South Africa and other nations on the continent, traditional healers play a vital role in society and have been enlisted in the fight against AIDS and other diseases.
A large barrel-chested man wearing a plaid shirt, gray slacks and Nikes, Nephawe, a 63-year-old former electrician, hardly looks the part of a witch doctor.
And as a parishioner at a Dutch Reformed Church, the second most popular church among South Africa's 31 million Christians, he puts little stock in black magic.
Nephawe says his "special powers" can help anybody – including soccer players, a few of whom still beat a path to his tidy brick house on a busy street in this dusty township of about 1 million.
He won't name the teams or players that use his services.
"That's confidential," he says with a gap-toothed smile. But when they come, Nephawe takes them to the tiny corrugated-tin shed out back – his ndumba, or sacred hut.
Taped to its musty walls are a Garfield comic strip and dozens of magazine and newspaper clippings, many featuring pictures of the late rapper Tupac Shakur. In the corner are old Nescafe and mayonnaise jars filled with herbal remedies.
The most important item in the room, though, is the bag containing eight small pieces of elephant tusks, known as bones. The practice of traditional healers is based on the belief that sangomas can access advice and guidance from dead ancestors by asking patients to blow on the bones before tossing them on a straw mat. Nephawe then "reads" the bones, which tell him what course of action to prescribe.
"Most of the strikers, they go to sangomas so they can score goals," says Gift Ndou, who credits Nephawe with helping his brother walk again after he was crippled in an auto accident. "We, the blacks, we still believe in it.
"It gives you belief that you have power, that you have some control. That bad things won't happen."
That's the key. "You must believe," Nephawe says.
The South African Tourist Bureau reports that eight in 10 South Africans visit a traditional healer at least three times a year. Just last month at Soccer City stadium, the main World Cup venue, 300 sangomas sacrificed an ox in a traditional good-luck ceremony.
Although juju men are no longer allowed on the payroll, five of the six African nations that took part in this year's World Cup – Algeria being a likely exception – have believers on their player rosters or coaching staffs. And while their ritual activities have been recently forced underground, the teams from Ghana and South Africa are thought to have practitioners.
Only a decade ago, African teams kept healers on the payroll as "special advisers" who would cast spells on soccer balls, smear goalposts with potions or infect opponents' changing rooms with magic powders.
Sometimes it worked, sometimes not.
Zaire famously brought a team of traditional medicine men to the 1974 World Cup, yet lost all three of its matches by a combined score of 14-0.
Mark Gleeson, one of Africa's leading soccer experts, recalls a time when the South African team was kicked out of hotels because of the stench its juju men caused while mixing their herbal remedies.
"In the '70s and '80s they were slaughtering goats in hotel room baths," he says. "But no one really took it terribly serious. It was part of the ritual of the game."


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II WBEN conference will be held between 25. - 26. X 2017 in Zagreb, Hotel International, Croatia
We invite submissions for the conference. Topics can extend from:
- State of the art in evaluation in the region and perspectives, presentation of accomplished evaluation studies;
- Methodological challenges in evaluation, evaluation standards and evaluation ethics;
- Evaluation system and broader challenges of evaluation in EU context, and in donors' context;
- Operation of evaluation communities in the region – challenges, exchange of experiences;
- Cooperation of evaluators in the region.
Authors may submit their contribution as: Conventionala presentation (300-500 words of abstract), or Poster (graphically or textually).
Submit by 15. VII 2017 to e-mail Ta e-poštni naslov je zaščiten proti smetenju. Potrebujete Javascript za pogled. or one of the following E-mail adresses:
- idokic<at>eizg.hr (Croatia),
- bradej<at>gmail.com (Slovenia);
- svetlana_stanarevic<at>yahoo.com (Srbia);
- nermin.oruc<at>gmail.com (Bosnia and Herzegovina);
- beti<at>basme.com.mk (Makedonia, Montenegro)
Important dates:
Notification of acceptance: 10 IX 2017
Early bird registration by: 30 IX 2017
Authors with contribution to the conference will be approved lower conference fee.
We look forward to welcoming you in Zagreb. Kind regards, Program Committee


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Whiteout by Ken Follett Pan Macmillan
Whiteout – Book Review
Ken Follett is the genius behind 'The Pillars of the Earth', the historical saga that captured millions of people in the book form, and even more millions when it hit our screens; so when Whiteout landed on my desk I wasn't prepared for it at all.
Welcome to a cracking thriller based around two break-ins at the highly guarded and seemingly secure biological experimental facility, pharmaceutical research company Oxenford Medical.
It seems impossible that this entire novel spans a mere three days, but you will be on the edge of seat with the initial bio-hazard scare, and almost off your chair by the time the second dastardly plot starts to take shape.
Bio-medical research facilities do exist, their security is second to none, but so is human compassion… And greed.
I think, even after being wowed by Follett's historical works, that I prefer his thrillers. There is quite a bit of technical information, but not enough to render it mundane, and the way he writes will suck you in to the story completely; even the toe-curling suspense will have you at the bookshelf looking for more!


text: Up for sell is a 2003 Volvo Bl70 4x4 Tractor Loader Backhoe tractor with Volvo brand front hydraulic loader & backhoe. The cab of the tractor has am/fm radio and heat and air conditioning. It has a 4-cylinder Volvo diesel engine. It is 4 wheel drive Operating Weight: 15,001 - 16,000 lbs Serial Number: BL70D10423. It starts and and runs good! If you have any questions feel free to give me an email. Thanks!2500$


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Fresh Grads FAQs
Posted in FAQs| FRESH GRAD on Apr 11, 2018
It was a mix of emotion when I graduated in 2017. While I was glad to exit the stage where I had to memorize stuffs and raced against assignment deadlines, I was also thrown into a realm of uncertainties.
Will I be able to find a job? Will I have enough money to pay off my student loan? What if I am not good enough? Being an arts students, I am more equipped with soft skills than with hard skills. Will I be relevant to the society in which I grew up hearing engineers and accountants are highly sought after?
There were a lot of questions that I asked before I started on my degree, while I was taking my degree, and even now as I am working. Today, I am confident to say that I have found the answer to some of the questions that I was looking for. Of course, the following answers
(Before taking a degree…)
Q: Is a degree really necessary?
No, it is not. After getting their diploma, many of my friends went out to work. A handful of whom are earning a higher pay than degree holders. A degree is not a need-to-have, but a nice-to-have. While having a degree helps you stand out and may perhaps give you that tad bit more advantage into scoring an interview, the way you present yourself as being relevant to the company is more important. As cliche as it sounds, being positive and eager to learn are the traits that will eventually allow the company to believe that you are valuable.
(While I was taking the degree, before graduating…)
Q: Is finding a job tough?
In the year I graduated, an article came up on TODAY. According to TODAY, the percentage of fresh graduates from NTU, NUS and SMU landing permanent full-time jobs within 6 months of graduation is as follow (2013 wasn't mentioned in the article oops):
2016: 80.2%
2015: 83.1%
2014: 82.7%
2012: 85.6%
So I guess, no… It is not difficult to find a job. But it is challenging to find a job that best fits our expectations of an ideal job (e.g., good pay, healthy work environment, reasonable working hours and tasks assigned).
Q: When should I start looking for a job?
Heh… Hard to say. I started browsing for fun about six months before I graduated to see the kind of job opportunities out there. The serious search only started 2 months before I graduate and I started applying about 1 and half months before graduating.
(After looking graduating while looking for a job…)
Q: Do I have the rights to be picky?
Not exactly… Besides competing with other fresh grads, you are also probably competing with other people who are switching career in their 30s or 40s. They have the upper hand when it comes to work experience.
That being said, you are entitled to be selective! Pick a job with a job scope that you know you won't get sick of fast. During an interview, look around and try to immerse yourself in the environment. Are you comfortable there? It is not wrong to pick a job that gives you a higher pay despite your lack of interest in it. It is also not wrong to pick a job you really like even though it gives you a lower pay.
It is but a mere fine line between being picky and being selective though...
Q: What are some of the challenges while looking for a job?
Firstly, not knowing if I should apply. A lot of job postings stated a requirement of minimum 1-2 years of work experience. Besides a 6-months internship and some part-time work experience (which is no longer than 6 months each time), would I be considered if I applied?
No harm, just apply. Sadly, I got no replies. #LOL. That was the second challenge. I've sent out tens of applications via direct emailing to the companies' HR and via job portals but they all seem to end up being lost in some vast abyss. It was demoralizing, to be honest.
Nevertheless, job searching is still interesting. I'm super glad to be working at SHIFT, a place where I now get to help job seekers make direct contact with employers. It brings me joy to see the number of matches growing every day!
Content in this article is strictly personal views from the author except for the following (supported strongly by the company):
SHIFT Job App is awesome to start out with if you are a fresh grad (regardless of diploma or degree) looking for a professional permanent full-time job. It's stylo-milo the way millennials like it! All you have to do is:
- Fill up your profile (which is also your resume)
- Swipe up to apply
Good luck!
Photo Credits: Original photo with blank chalkboard by rawpixel.com on Unsplash


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The Snowfall Kingdom's majestic palace. Why does it make me shiver more than the cold?
|—Fairytale Detective, Rise of the Snow Queen
Rise of the Snow Queen is the third installment in the Dark Parables franchise. The game takes place in the Bernese Alps of Switzerland. As the Fairytale Detective, we must investigate reports of a beautiful woman abducting all of a village's children during a snow storm.
This game is based on Hans Christian Andersen's The Snow Queen and the German fairy tale Snow White.
To read reviews or play the game for yourself, click here: Standard ~ Collector's Edition ~ Android ~ iOS ~ Steam
Briefing Edit
Welcome to the Bernese Alps, Detective. Two days ago, a massive snowstorm blanketed the region. As the last snowflake fell, the villagers realized all the children were missing. Some say they saw a beautiful woman in the blinding storm. This is the first real report of the Snow Queen, a figure popular in local lore, that we've had in a century. Your guide Noah will escort you to what we hope is the edge of her kingdom. Your mission is to find the children and apprehend the Snow Queen. Good luck, Detective!
WARNING This section contains massive spoilers! (So read at your own risk!)
The game opens with two young children building snowmen together. Suddenly, a blot of light shoots down, stirring up the snow into a cloud. When the cloud dissipates, a beautiful woman is standing there, holding her arm out for a bird that lands upon it. She tells the children not to fear her, for she means them no harm. She holds out a glowing apple and urges the children to look at it, then states that they are coming with her. A hulking beast appears behind the children and the screen goes black.
The Fairytale Detective is dispatched to the scene and given a briefing (see above). Our carriage driver and guide is Noah, a friendly and helpful man who gives us information about the area. He tells us of his son, Kai, who is one of the missing children, and gives us a photo of him so we will recognize him. We discover the site of an ambush on the Frog Prince's knights. Apparently, Prince James put out a decree to capture the Snow Queen centuries ago, a quest that ended terribly for the Knights he sent. In the fog just beyond the site, we briefly see a giant beast.
We gain entrance into the Snowfall Kingdom, what once used to be known as the Mountain Kingdom. At the entrance, we see grand statues of both the Snow Queen and the previous King of the Mountain Kingdom, who went missing when the Snow Queen took over. They seem to be standing in unison, which is odd. There's also a statue of the great beast we saw in the fog earlier. Further into the area, we spot a young girl searching for something in a statue. When we approach her, she runs away.
Following the girl, we find ourselves at an ornate church. Beside it stands a shrine to a young boy, and a locked shed holding two of the missing children. We free them, and the young boy gives us a piece of the emblem needed to enter the Snowfall Kingdom's palace. We hurry to the palace, noticing the weather has taken a turn for the worse.
At the palace, we're confronted by the terrible beast from earlier. He tells us that a mirror foretold him of our arrival and that interfering with their plans will lead to our demise. He summons a Frost Wolf to block our progress into the palace. In the process of trying to find a way past the wolf, we complete the Snow Queen's statue at the entrance of the kingdom. only to have it crumble and fall to pieces before our very eyes. Behind it, we find a secret chamber that contains a burning fire and an inactive teleportation device.
We vanquish the Frost Wolf and begin exploring the castle. Inside, we learn of the Silver Moon (a rare astrological occurrence that happened recently) and find a statue of the Mountain Beast that crumbles to reveal a statue of the Mountain King. Could the two be related somehow?
In our exploration, we find the young girl we saw earlier. She tells us her name is Gerda and she is one of the missing children, but was not taken by the beast. Instead, she saw him take her friends and followed him to the Snowfall Kingdom. She tells us how to tell when the beast is near (the room warms up) and shows us a door she's found that seems to contain something magical behind it. We figure out how to open the door, but Gerda is abducted right before our very eyes by black smoky hands.
We give chase, but we're too late. Gerda is gone. Behind the door, we find the mythical Golden Tree; a tree that is said to grow golden apples that can make someone temporarily forget whatever they were doing. There's also a portrait here of a mythical Golden Child who is immune to all magic. We find a way to see into the throne room, where the Snow Queen has the missing children. We see Noah's son, Kai. The Snow Queen is trying to get him to eat a Golden Apple, but Gerda appears and knocks the apple away. In doing so, the magic drains out of the apple and Gerda begins to glow. The Snow Queen is overjoyed that she has found The Golden Child.
Suddenly, the Snow Queen looks up and sees us on the balcony, watching. She calls for her father and we turn, just in time to see the Mountain Beast knock us out. When we come to, we're inside a jail cell. Judging by the skeleton here, a similar fate will await us if we don't manage to escape. Thankfully, we do, but not before we find a scroll in the cell that tells how the False Mirror shard turned Snow White into the Snow Queen.
We continue on our investigative path and find the missing children in a cell made of ice. One of the children tells us that Kai escaped before the barrier went up. We manage to find him before the Beast does and by activating a portal nearby, we return him to his father.
Back inside the Snowfall Kingdom, we gain access to the inner portion of the church. Inside, we find Snow White's son, Prince Gwyn, resting in a glass casket. Noah finds us here as we leave, telling us to go up to the bell tower and shine a light on the location of the children so that he knows where to meet us. On our way to the top of the bell tower, we learn that the bell rings at a frequency that could break mirror shards if they're close enough.
At the top of the bell tower, the Mountain Beast confronts us. He's about to attack when we ring the tower bell, which breaks the mirror shard he wears. He cringes back and leaps from the tower. We pick up the False Mirror Shard from the ground and shine the bell tower light to let Noah know where to meet us. We see he's ready to go down below.
We go to meet him, freeing the children from the icy cell they're in. With the children safely in Noah's carriage, he gives us an enchanted axe passed down through his family that should clear away the vines blocking our way elsewhere in the castle. Using the axe, we find an area of the castle where Snow White's Evil Stepmother resided. There's mention in her diary of a curse upon her, and that she has fled from the kingdom.
Exploring further, we find Prince Gwyn's bed empty; the Beast must have taken him away somewhere! We uncover a beautiful secret realm accessible through the castle's solarium. Here, we find Snow White, Gerda, the restored Mountain King and the False Mirror.
Snow White is trying to get Gerda to shed a tear, which she does. The Mountain King pleads with his daughter to stop this madness, but she doesn't listen to him. She drops the tear on the False Mirror, which removes the cracks on it and restores it to its full power. The Mirror boasts about how powerful it is and tells Snow White that her father was right: it doesn't intend to restore her son, it only intends to use Snow White's sorrow to blanket the world in ice and misery.
We escape with the Mountain King, who tells us we must go and find the items needed for him to forge a hammer that is capable of breaking the mirror once again. We bring him the pieces and he forges a Sacred Blacksmith Mallet for us. He urges us to go and break the mirror immediately!
It takes us three swings of the mallet, but we succeed in fracturing the False Mirror. It breaks apart, breaking the hold it has over Snow White and reverting her back to herself. She laments the things she's done and regrets having ever listened to the evil Mirror. Her father consoles her, telling her that she only did the things she did for her son, and that her heart was pure. Gerda hears all of this, and sheds a tear for Snow White's sadness. The tear falls on Snow White's son, waking him from his curse and his eternal slumber.The Mountain King and Snow White thank us for our work here, for returning their Kingdom to normal and destroying the mirror. They thank Gerda for waking Prince Gwyn and tell us to bring her straight home; her parents must be worried.
Epilogue Edit
You rescued the missing children, destroyed the evil False Mirror, freed Snow White from the mirror's curse and saved the world from a deadly snowstorm. With Snow White's son awakened from his coma, Snow White and her Father, the Mountain King, can finally journey forth in their new life together.
As you leave the Snowfall Kingdom, Noah meets you at the mountain pass along with his son Kai and Gerda, the brave Golden Child. You hold out your arms and watch the snowflakes melt on your gloves, only to notice the sky is beginning to clear, making way for the morning sun.
Rise of the Snow Queen
Centuries ago, before the legend of the Snow Queen flowed from the first teller's mouth, there was a Princess as pure as the driven snow and beautiful as the day. They called her Snow White. As a young maiden, Snow White was sentenced to death, but the Frog Prince saved her from that eternal slumber. The two fell madly in love, married, and had a son. One day, the boy snuck out to play in the meadow and a monster attacked him. The Prince's guards were not fast enough to protect him. Snow White fed the remains of a magic apple to her son to place him in a dreamless sleep. Though she saved the boy from the imminent death, the best doctors and sorcerers could not wake him. Snow White is ravaged by sorrow and blames her husband, the Prince of the Forest, for not sending his guards sooner. With nothing more than the will to save her child, Snow White steals the boy away to the Mountain Kingdom, where her father rules. It is in this castle among the peaks where Snow White will become the legendary Snow Queen whose sorrow leaves the kingdom in ruins.
The Mountain Beast
The Mountain Beast was once a noble man, the last King of the Mountain Kingdom. Before his curse, his daughter, the Snow Queen, gave the Mountain King a magical necklace. He gladly donned the gift, not knowing it was created from the shard of the evil False Mirror. The False Mirror spellbound the king and in turn reflected the worst in him, a temper like a volcano. As the months went by, the Mountain King could feel the anger boiling up inside, until one day it consumed him, turning him into a hulking beast. The King's council blamed his daughter, the Snow Queen, and arranged her execution. Blinded by dark magic and the love for his daughter, he turned his rage on the council, killing most of the them. The inhabitants of the kingdom soon fled in fear of the monstrous King. The Mountain Beast, as he is now known, will forever be by his daughter's side. Although he hasn't shed blood in centuries, if his daughter is ever in danger, the King will strike swiftly and mercilessly.
Tale of the Two Mirrors
Once upon a time, a powerful blacksmith forged two magical mirrors: the first spoke nothing but the truth and the second magnified and reflected the worst in others for all to see. He named them Truth Mirror and False Mirror. The king bought the Truth Mirror as a gift for the wicked Queen. She renamed it to Mirror, Mirror on the Wall, and belabored it three times a day to report who was the fairest of them all. The blacksmith realized the False Mirror was too dangerous, so he hid it in the Mountain King's palace and broke it into pieces. Only the tear of the Golden Child can mend the mirror and only a most magical hammer can destroy it. The False Mirror did not appreciate being shackled in the King's chamber and was slowly consumed with hatred for his human captors. It swore to destroy the entire earth. If the False Mirror is ever restored, it will project the rawest and basest emotion within its owner to the heavens, and then rain it back down on earth tenfold. If the owner is consumed by hatred, the sky will rain fire. But if the owner is consumed by sorrow, snow colder than death will fall.
The Golden Child
The ancient calendar depicts an astrological event occurring every century called the Silver Moon. It is believed that on that eve, the chosen child is bestowed celestial powers and will henceforth be known as The Golden Child. The Golden Child will appear as plain as any other child but will be especially curious and intuitive. During adolescence, a golden aura will manifest to protect the child when he or she comes in contact with a magical object. Because of this child's resistance to magic, it is said he or she can also restore or remove magic from an object by shedding a single tear onto it.
The Snow Queen Tale
When Snow White arrives at the Mountain Kingdom, the King places the boy in a protective tomb. He summons his best sorcerers and doctors, but none could wake the slumbering child. Snow White overhears the servants speak of a False Mirror locked up in the palace- they say it is powerful enough to grant a wish. Desperate to save her son, Snow White sneaks into the rumored chamber. The mirror, tarnished and in disrepair, speaks to Snow White in a weak voice: I can bring your child back from the brink of death if you wear this shard and put the other around your father's neck. Fashioning the shards into necklaces, Snow White and then the King chained themselves with pieces of the False Mirror, who projects the worst in its owner out into the world. The Mountain King was first to succumb to the mirror's curse. The guilt that plagued him for not protecting his daughter from her wicked stepmother slowly morphed him into a hulking beast who would forever guard Snow White. The False Mirror projected Snow White's sorrow as winter and her constant tears began to fall as snow. The air turned so cold around Snow White that time seemed to crawl to a halt. The servants began calling her the Snow Queen. Scared witless by the king's and Snow White's transformations, most of the kingdom's inhabitants fled. Soldiers loyal to the King stayed on, though each eventually succumbed to the deadly cold. Snow White saw that her son was still in a coma so she visited the False Mirror a second time. The False Mirror spoke: I am still in disrepair. Heal me with the tear of the Golden Child, and I will heal the child in kind. Enshrouded in coldness, Snow White is now known as the Snow Queen and rules the kingdom with an icy hand. On the eve of every Silver moon, she casts a heavy snowstorm in search of that special child. Centuries have passed and the Golden Child is as elusive as the Snow White of old fairy tales. Though the Mountain Kingdom has been forgotten by history, the villagers in the valley below carry on its legacy with folklore. Adults warn the children about the evil Snow Queen who snatches children who wander off in storms.
Connections Edit
- The Snow Queen gave the Order of the Red Riding Hood Sisters the Truth Mirror for saving her son from the Mist Wolves.
- We see a decree from Prince James and the remains of an ambush on the Knights of the Underground Kingdom, who were sent to capture Snow White.
- A frog stands at the site of the ambush, reminiscent of the frogs in The Exiled Prince.
- When Snow White returns to herself at the end of the game, her appearance changes back to the way she was portrayed in The Exiled Prince.
- At the very end of the standard game, we see a snippet of a scene in the Mirror Room of the Snowfall Kingdom palace. Within the False Mirror's reflection of the room, we see an ominous female figure in a bright red robe, surrounded by black wolves with glowing red eyes. It's a teaser for the next game, The Red Riding Hood Sisters.
- Many characters like Gerda, Snow White, and Kai appear in the seventh Dark Parables game, Ballad of Rapunzel, most of them playing a larger role in the plot of the game and again in Thief and the Tinderbox.
Media Edit
- Rise of the Snow Queen was referred to as Snowfall Kingdom for some time.
- The plaque underneath the statue of the Mountain King in the castle courtyard says something about the King being ill and passing rule of the kingdom on to his daughter when you click on it. However, the image of the plaque actually contains words from a Vampire Knight fan poem: "Built a barrier around yourself / Got nothing left to say or show / That's a lie in itself"
Personnel Edit
Creative Director: Steven Zhao
Production & Art Leads: Gavin Wong & Karla Wong
Game Designer: Steven Zhao, Gavin Wong
Artists: Snix Cheng, Lee Wai Sum, Suyi Ma, Evelyn Tsang, Teresa Tse, FCP, Chen Ka Fai, Alejandro Dini, Suet Yu Wan, Gloria Lok, Mandy Wong, Ricky Siu
Game Architect: Chan Ho Yuen
Programmers: Gindi Khangura, Timmy Kwok
Audio Production: SomaTone Interactive Audio
Scripting: Keely Alexander, Elliotte Lau


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November 1st, 2014
Will Muschamp is leading the Gators but this is a great spot for them to rise against one of their fiercest rivals. Florida has won 18 of the last 24 meetings the fact that the Bulldogs are off a bye week does not help their cause as they are 0-4 ATS in their last four after rest. After last years disastrous season Florida is looking to avoid their fourth straight loss in the series.


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Wednesday, June 11, 2003
was made another cup of spar tea by a different colleague, same sort of strength to the tea, with a similar amount of milk. no hint of sugar, but still slightly weak for my liking. hot but not too hot. i think i'll give this cup of tea 5 out of 10 again. no need for stars, you know what they look like now.
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Category Archives: Jurassic Period
Plesiosaur Timeline: Jurassic through Cretaceous Period Is a carnivorous aquatic reptile with a broad body and a short tail. Retaining their ancestral two pairs of limbs, which evolved into large flippers. They were slow swimmers. The name applies to the … Continue reading
Posted in Cretaceous Period, Jurassic Period, Paleontology Leave a comment
Fossil display at National Museum of Natural History Smithsonian, National Mall, Washington, D.C. Ammonites Timeline: Jurassic / Cretaceous Period (256-65 Million years ago) Maximum size: 2.6 meters (8.5 feet) in diameter Predator advantage: tentacles, large beak Likely prey: Fishes, mollusks, … Continue reading
Posted in Cretaceous Period, fossils, Jurassic Period, Paleontology Tagged ammonites, cretaceous, fossils, snakestones Leave a comment


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Addendum to Nortonville Tower Site, Phase IB Archaeological Survey, Logan Township, Gloucester County, New Jersey
Author(s): David S. Rotenstein
Year: 2001
This resource is a citation record only, the Center for Digital Antiquity does not have a copy of this document. The information in this record has been migrated into tDAR from the National Archaeological Database Reports Module (NADB-R) and updated. Most NADB-R records consist of a document citation and other metadata but do not have the documents themselves uploaded.
If you have a digital copy of the document and would like to have it curated in tDAR, please contact us at email@example.com.
Cite this Record
Addendum to Nortonville Tower Site, Phase IB Archaeological Survey, Logan Township, Gloucester County, New Jersey. David S. Rotenstein. 2001 ( tDAR id: 332826)
This Resource is Part of the Following Collections
Investigation Types
Site Evaluation / Testing
Geographic Keywords
34015 (Fips Code) • Gloucester (County) • Logan Township • New Jersey (State / Territory) • North America (Continent) • United States of America (Country)
Spatial Coverage
min long: -75.451; min lat: 39.515 ; max long: -74.877; max lat: 39.888 ;
Individual & Institutional Roles
Sponsor(s): Federal Communications Commission
Prepared By(s): URS / Dames & Moore
Record Identifiers
NADB document id number(s): 3001356
NADB citation id number(s): 000000372493
General Note: Sent from: URS / Dames & Moore


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Tattooing has been practiced for centuries
Tattooing has been practiced for centuries in many cultures, particularly in Asia, and spread throughout the world.[citation needed] The Ainu, an indigenous people of Japan, traditionally had facial tattoos. Today, one can find Atayal, Seediq, Truku, and Saisiyat of Taiwan,[2] Berbers of Tamazgha (North Africa), Yoruba, Fulani and Hausa people of Nigeria, and Māori of New Zealand with facial tattoos.[citation needed]


text:
Drones carrying contraband into prisons is a serious problem for the authorities. In a bid to tackle the issue, a prison in the U.K. has started using a "drone shield" that jams the signal between the drone and its operator.
The post A U.K. prison just switched on an anti-drone 'force field' to stop illegal flights appeared first on Digital Trends.


text:
20th Regiment Texas 3'x5' 2ply 600D Embroidered Flag with canvas header, brass grommets, and 4 rows of sewing on fly side.
Gonzales 3'x5' Cotton Flag
Gonzales (come and take it) 3'x5' Polyester Flag with canvas header and brass grommets.
Texas 3'x5' Cotton Flag. All sewn strip and embroidered star/ apliqued with grommets.
Texas Map- Blue Jean Cap
Texas Shower Curtain
Texas Throw Blanket 4'x6' cotton


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Good News?
"…the gratuitous pardon of sins is given us not only once, but that it is a benefit perpetually residing in the Church, and daily offered to the faithful. For the Apostle here addresses the faithful; as doubtless no man has ever been, nor ever will be, who can otherwise please God, since all are guilty before him; for however strong a desire there may be in us of acting rightly, we always go haltingly to God. Yet what is half done obtains no approval with God. In the meantime, by new sins we continually separate ourselves, as far as we can, from the grace of God. Thus it is, that all the saints have need of the daily forgiveness of sins; for this alone keeps us in the family of God"
~ John Calvin: Commentaries on the Catholic Epistles.


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Title: Glog a Plot
Students will use the Web 2.0 tool Glogster at glogster.com to create a book report, or the tool may be used to create a summary poster for a short story.
This is a College- and Career-Ready Standards showcase lesson plan.
Standard(s): [ELA2015] (6) 28:
Title: What Next? There's a Hoarder Living Next Door!
This interactive lesson provides students with an opportunity to evaluate how the use of language and wordplay emphasize the theme presented in Shel Silverstein's humorous poem, "Sarah Cynthia Silvia Stout, Wouldn't Take the Garbage Out." Students will closely read the poem and explain how the use of alliteration, hyperbole, and strong imagery assist in revealing the tone, characters, and theme. By the end of the lesson, students will have a conceptual knowledge of the distinction between alliteration and hyperbole and be able to identify explicit examples from the text.
This is a College- and Career-Ready Standards showcase lesson plan.
Standard(s): [ELA2015] (7) 7:
Title: Reading, Writing, and Sounder
The activities included in this lesson plan require the reading of William Armstrong's Sounder. This technology-based lesson fosters critical thinking and includes journal writing, student-led discussions with another class via video conferencing, vocabulary development, and persuasive writing.
Standard(s): [TC2] (6-8) 12:
Title: Christopher Paul Curtis and His Books: Bud, Not Buddy and The Watsons Go to Birmingham
This interdisciplinary lesson on two books by C.P. Curtis features students in one classroom (or group) reading one of the books while the other class (or group) reads the other novel. Each class then divides into groups and researches the time period of its novel and develops presentations designed to encourage the reading of the second novel. These presentations are then presented to the other class.
Standard(s): [SS2010] USS6 (6) 7:
Title: Escape to Freedom
Students will read Number the Stars by Lois Lowrey. This novel about World War II, the Holocaust, and heroism, provides the topic for an inquiry-based, interdisciplinary lesson. Students will utilize their skills in technology and research to learn why there are dictators like Hitler, followers like the Nazis, and people from all walks of life who endanger their lives for the good of others.
Standard(s): [SS2010] USS6 (6) 3:
Title: Identifying Sequence of Events Using Dr. Seuss' Bartholomew and the Oobleck
After listening to a reading of Dr. Seuss' Bartholomew and the Oobleck, students use graphic organizers and comic strips to practice sequencing. In a fun activity, small groups follow directions to make oobleck.
Standard(s): [TC2] (6-8) 6:
Title: "What Happened Next?"--Sequencing With The True Story of the Three Little Pigs
This lesson provides an opportunity for students to learn and practice the skill of sequencing. Students also improve in comprehension skills, previewing and predicting skills, and drawing conclusions.
Standard(s): [TC2] (6-8) 5:
Title: Reading Buddies
Students will increase reading and writing proficiency and heighten interest in reading through this Reading Buddy program. During this two-week unit each middle school student will use technology tools to create an original holiday theme book and present it to an elementary student in the community. The student will also read aloud a library book and develop a hands-on activity to coincide with the theme.
Standard(s): [ELA2015] (6) 2:
Title: What is the Pulgar?
This is a lesson for students in grades 4-6 to learn visualization, prediction, and sequencing.
Standard(s): [ELA2015] (4) 2:
Title: How Silk is Made
This lesson focuses on sequencing using a narrative passage and Makes Sense Guided Reading Strategies.
Standard(s): [ELA2015] (6) 3:
Title: Press Conference for Bud, Not Buddy
Students read Bud, Not Buddy by Christopher Paul Curtis, demonstrate comprehension of the story by involving themselves in discussions, and analyze the characters in preparation for a class '' press conference.''
Standard(s): [ELA2015] (8) 33:
Title: Expository Escapade Detectives Handbook
Students create a Detective's Handbook based on a detective mystery they have read. The handbooks include expository and descriptive writing, as well as a letter.
Standard(s): [ELA2015] (8) 38:
Title: Beyond the Story: A Dickens of a Party
Students attend a 19th Century Victorian party to celebrate Scrooge's new outlook on life. They research characters from Charles Dickens' A Christmas Carol and assume those personas for the party.
Standard(s): [ELA2015] (8) 27:
Title: Making Personal and Cultural Connections Using A Girl Named Disaster
Struggling to survive is one of the many themes explored in A Girl Named Disaster. As students read, they look for connections between themselves and the main character, Nhamo.
Standard(s): [ELA2015] (8) 26:
Title: Edgar Allen Poe, Ambrose Bierce, and the Unreliable Narrator
Students consider a variety of narrative stances in Edgar Allen Poe's short story, Tell Tale Heart, and Ambrose Bierce's An Occurrence at Owl Creek Bridge. They examine how Ambrose Bierce and Edgar Allan Poe used narration to create their intended effect in the reader.
Standard(s): [ELA2015] (8) 32:
Title: Can It Be?
In this lesson, one of a multi-part unit from Illuminations, students participate in activities in which they focus on connections between mathematics and children s literature. They listen to the story The Phantom Tollbooth, by Norton Juster, and then explore and interpret the concept of averages.
Standard(s): [ELA2015] (8) 9:
Title: Analyzing Advice as an Introduction to Shakespeare
Popular culture provides an introduction to Shakespeare's poetic devices in this lesson, which asks students to explore an excerpt from Shakespeare's Hamlet.
Standard(s): [ELA2015] (8) 9:
Title: Childhood Through the Looking-Glass
This lesson from EDSITEment explores the vision of childhood created by Lewis Carroll in Alice in Wonderland. Students begin by looking at Carroll's photographs of the real Alice for whom Carroll imagined his story and compare the image of childhood that he captured on film with images of children in our culture. Then students read Alice in Wonderland with special attention to the illustrations that Carroll made for his book, and explore the relationship between words and pictures by creating an Alice illustration of their own. Next, for contrast, students compare Carroll's vision of childhood with that presented by the Romantic poet William Blake in his illuminated Songs of Innocence and Experience. Finally, students consider the interplay of image and text in their own favorite children's literature and how the vision of childhood presented there compares to their experiences as children. Several pieces of literature appropriate for use with this lesson are suggested.
Standard(s): [ELA2015] (8) 30:
Title: He Said/She Said: Analyzing Gender Roles through Dialogue
Students analyze dialogue tags used with male and female characters in a book they have read. They then evaluate the message the dialogue tags convey about gender roles.
Standard(s): [ELA2015] (8) 30:
Title: The Legend of Sleepy Hollow
In this lesson, from EDSITEment, students explore the artistry that helped make Washington Irving our nation's first literary master. They ponder the mystery of what happened to Ichabod Crane, a mystery that now haunts every Halloween.
Standard(s): [ELA2015] (8) 22:
Title: Creative Writing Through Wordless Picture Books
Students are exposed to wordless picture books and begin developing story lines, both orally and in writing, using an online, interactive story map.
Standard(s): [ELA2015] (8) 30:
Title: Cinderella Plots Her Escape
The interactive website allows students to become familiar with different literary terms that make up elements of a story. After watching and listening to an interactive version of Cinderella, students will become familiar with a story's plot as well as how characters respond to change. In addition, the animation reviews important literary terms, text comprehension, and allows students to move at their own pace.
This activity was created as a result of the GAP Project Resource Summit.
Standard(s): [ELA2015] (6) 3:
Title: Interactive Plot Diagram
This organizational tool for grades K-12 uses the plot diagram pyramid to map events in a story. You can choose beginning, middle, and end for younger learners or exposition, climax, and resolution for older learners. The mapping tool allows readers to recreate a story you have taught in class, or writers to map out the ideas for an original piece.
Standard(s): [DLIT] (6) 7:
Title: What Makes a Poem an Epic?
This student interactive, from an EDSITEment lesson, prompts students to identify examples of the epic hero cycle from a story with which they are familiar.
Standard(s): [ELA2015] (8) 30:
Title: Star Wars creator George Lucas was born in 1944.
Students use the Hero's Journey interactive to describe how Luke Skywalker meets each stage of his journey, and then brainstorm other works that use the formula.
Standard(s): [ELA2015] (8) 29:


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The Total War series has covered epic swathes of history since Shogun: Total War introduced feudal Japan to players back in 2000. Since then the series has covered Rome, medieval Europe, Napoleon, and more. But with A Total War Saga – Thrones of Britannia announced, Creative Assembly and Sega are letting you focus in on a particular time period.
More specifically, the game will focus purely on the British Isles in the year of 878AD. It's a tense time, following the Viking Invasion by the Great Heathen Army just over a decade earlier, and the ascension of Alfred the Great to the King of Wessex, en route to becoming the dominant ruler in England.
So you've got the various kingdoms fighting for control across what would become the UK. And a sizeable force of Vikings who had already caused Mercia to collapse, and was now starting to move across the rest of the country with the aim to conquering and settling. In reality, this led to the establishment of Danelaw across East Anglia.
But maybe things will turn out differently?
Obviously it ties in with recent interest in historical dramas, including the Vikings TV series based around Ragnar Lothbrok and his sons, who led the Viking Army to Britain to avenge Lothbrok's death.
And most interesting is the fact that the campaign maps will obviously focus on a smaller area, enabling them to be much more detailed than in previous Total War games.
"Our aim with Total War Sagas is to explore key flashpoints at distinct places and times in history", said Series Director, Mike Simpson. "Unlike our era-spanning titles, we're putting defined geographical areas under the microscope, building super-detailed campaign maps with a strong cultural focus and flavour that players can dive into. This will complement our broader-scope titles perfectly".
With A Total War Saga – Thrones of Britannia announced, you can expect it out for the PC in 2018.


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At times a few words have enough force in them to rob you off your night's sleep, swerve your mood around on a 180 degree angle, make you think and re-think.
Spotted an author's end note in a book shop today that has been on my mind…
"The greatest thing to learn in life is not to love, but to love in return"
And here I was thinking I was great to be able to love, to know what its like and to convince myself not to expect a return, but probably not unless I'd learn to love someone back, someone who I wouldn't normally, someone; only love coz they love me – a reason small enough.
I've often repeated a certain story to a couple of my friends, stating it below…
One day, a young man was standing in the middle of the town proclaiming that he'd the most beautiful heart; it was perfect; there was not a mark of flaw in it. Suddenly, an old man appeared and said, "Your heart is not nearly as beautiful as mine." The young man looked at the old man's heart. It was beating strongly, but it was full of scars, jagged edges and holes. He laughed, "You must be joking."
He said, "Compare your heart with mine; mine is perfect and yours is a mess of scars and tears."
"Yes," said the old man, "every scar represents a person to whom I've given my love; I tear out a piece of my heart and give it to them and often they give me a piece of their heart which fits into the empty space in my heart, but 'cause the places aren't exact, I've some rough edges which I cherish, 'cause they remind me of the love which we shared. Sometimes I've given pieces of my heart away and the other person hasn't returned a piece of his heart to me.
They're empty gouges – giving love, is taking a chance. Although these gouges are painful, they stay open, reminding me of the love I've for these people too and someday they may return and fill the space I've waiting – so, now, do you see what true beauty is?"


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Wise County commissioners Monday proposed keeping the tax rate the same as last year — 37.89 cents per $100 property valuation for fiscal year 2018.
It will fund the $64.1 million budget, which was also proposed in Monday's meeting.
"It's very similar to our current budget," County Judge J.D. Clark said. "It didn't change much. I guess in terms of most significant changes … I've got someone retiring out of the maintenance department, and we're not going to fill that position."
Clark said his goal was to adopt the budget at the Sept. 11 meeting. He asked commissioners in the meantime to review the numbers for discussion at the Aug. 28 meeting.
Wise County's effective rate dropped slightly since property values increased this year. The effective rate, 37.56 cents per $100 valuation would raise the same amount of tax dollars as fiscal year 2017 with the property values for 2018.
Because the proposed tax rate is higher than this year's effective rate, more tax dollars will be raised, and commissioners must hold a series of public hearings on the tax rate and budget.
Allocation of the tax dollars was proposed to also stay the same with 34.64 cents per $100 valuation going to general fund and 3.25 cents to road and bridge.
The road and bridge allocation was slashed last year from 6.5 cents per $100 property valuation to 3.25 cents in an effort to boost the general fund.
Precinct 1 Commissioner Danny White expressed concern about doing this for a second year.
"My budget is going down $100,000 this year, if I accept it," he said. "I'm doing all I can right now to keep my guys working because of the money situation.
"If I take another $100,000 off that next year, what can we do for our taxpayers?" he asked. "I know the tax rate looks good, but whenever they want us to re-do their roads, how can we explain to them we can't? It's hard to do year after year."
Clark said citizens are already paying more in taxes because most property values increased, and that's why he wants to keep the tax rate flat.
"None of us have said it's pretty," Clark said. "We're just trying to …"
White interrupted him.
"And it's getting uglier every year," he said.
Clark said everyone needs to "think big picture."
"We have to look at other things that are going on and that we are making a $3 million debt payment [for capital expenditures] and that's soon going to go away and give us an opportunity to do a few things differently," he explained. "What are we going to do for capital? What are we going to do for you guys?" Clark said these issues have been discussed this summer with plans being made for the future and how to make the road and bridge fund "whole again."
Read more in the midweek Messenger on newsstands Wednesday.
The first public hearing on the county tax rate and budget will be 8:30 a.m. Aug. 28, just prior to the regular commissioners meeting. The second public hearing is 7 p.m. Sept. 7. Both will be held at the Wise County Courthouse.


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Estimating the local value of nontimber forest products to Pendjari biosphere reserve dwellers in Benin
TypeJournal Article
Review statusPeer Review
AccessibilityLimited Access
MetadataShow full item record
Vodouhê, F.G., Coulibaly, O., Greene, C. & Sinsin, B. (2009). Estimating the local value of non-timber forest products to pendjari biosphere reserve dwellers in Benin. Economic Botany, 63(4), 397-412.
Permanent link to cite or share this item: http://hdl.handle.net/10568/90796
This paper uses an indices method based on participant ranking of species to quantify use–values of Non-Timber Forest Products (NTFPs) and the socio-economic factors that influence these values for people living around the Pendjari Biosphere Reserve in Benin. There were 76 species identified that had a high index value to people. The 10 most valued species were Parkia biglobosa, Adansonia digitata, Vitellaria paradoxa, Tamarindus indica, Lannea microcarpa, Vitex doniana, Hibiscus asper, Melochia corchorifolia, Khaya senegalensis, and Diospyros mespiliformis. Species values were influenced by the vegetative form of the species as well as by the gender of a participant and his/her affiliation to the ethnic group. The study also illustrates that women had a preference for NTFP species with high commercial and nutritional values, while men preferred plants that provide construction material and medicine. Moreover, the ethnic group that historically had more contact and interaction with the vegetation valued NTFPs more than any other group. The difference in value attributed to species by people was also driven by the vertical transmission of ethnobotanical knowledge in the study area. For long-term biodiversity conservation, it will be useful to involve the needs of all of the local communities in the design of a management plan and focus attention on the most important species.
CGIAR Affiliations
AGROVOC Keywords
SubjectsBIODIVERSITY; FORESTRY; LIVELIHOODS
RegionsAFRICA; WEST AFRICA
Investors/sponsorsInternational Foundation for Science
- IITA Journal Articles [1807]


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Submitted by steven.jones on Tue, 02/06/2018 - 10:27
Shortly, our students in Year 11 will be asked to nominate the subjects that they hope to study in Years 12 and 13 at Key Stage 5. Their choice needs to reflect their strengths and interests, but also their career aspiration too. It is such an important time in their progression.
To ensure that they make their choice optimally, Year 11 students and their parents are invited to attend an Options Evening on Thursday, 15th February 2018 at 5.30pm. Subject leaders will offer talks focusing on the nature of their subjects at this level.
The school has carefully planned the evening in an attempt to maximise student and parental understanding. You are warmly invited to attend and we look forward to meeting you again during the evening.


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Huddersfield Town defender Danny Kane helped Republic of Ireland's Under 21s to a third qualifying victory in four matches last night as the Boys in Green claimed a 4-0 victory over Israel.
The Ireland youngsters have got off to a flying start in their qualifying campaign for the U21 European Championships in 2019 and sit top of their group on 10 points after four games.
Kane has been a crucial part of that side at right back, getting another 90 minutes under his belt against Israel and recording a third clean sheet of the campaign.
Queens Park Rangers youngster Reece Grego-Cox netted a hat trick for the Irish in their most recent game, with Everton's Henry Charsley also on the scoresheet.
Elsewhere, Town goalkeeper Ryan Schofield was an unused substitute for England U19s' clash with Slovakia U19s.
The Young Lions were held to a draw in Senec by the hosts, who scored a 93rd minute equaliser to level up the friendly contest.
Aaron Mooy was also in international action, helping his Australia side to an intercontinental play-off decider with an extra-time win over Syria on Tuesda y.


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Celebrity barrister who stars on The Chase fined £2,500 for failing to properly advise client who was given nine-year sentence
A celebrity lawyer who also stars as a professional quizzer in The Chase has been fined £2,500 by the Bar Tribunal after his client complained that the "trusted television personality" gave him bad advice.
Currently appearing as a 'chaser' in the long-running ITV show, former Mastermind winner Shaun Wallace has also appeared on The Weakest Link and Fifteen to One.
But the 56-year-old has now been fined by the Bar Tribunals and Adjudication Service after admitting he failed to properly advise a knifeman in a 'vigilante' case in 2013.
Jamie McCarthy, 22, was jailed for nine years after he admitted wounding with intent to cause grievous bodily harm and having an offensive weapon.
But he launched a High Court appeal in 2015 alleging his case was "incompetently prepared by his trial representatives".
During the appeal hearing Lady Justice Hallett heard Wallace "would wear casual clothes and pop in sometimes unannounced. On occasion he smelled of cannabis and put his legs up on the sofa."
He also held four conferences with McCarthy before the trial but did not make notes or contact his instructing solicitors.
James Counsell, for the Bar Standards Board, said Mr McCarthy had wished to plead self-defence.
But McCarthy told the Court of Appeal "he felt rushed, extremely emotional and pressured into changing his plea" after Wallace persuaded him to plead guilty to a "lesser offence of wounding".
The judgement continued: "He agreed to do so because he trusted his barrister. He was the professional, very intelligent and a television personality."
The court also heard McCarthy "did not sign an endorsement of counsel's brief".
Wallace rejected the allegations of unprofessionalism, undue informality and association with cannabis.
But he admitted four counts of failing to act conscientiously, diligently and with reasonable competence.
James Counsell added: "It ought to have been obvious that the case against this defendant was strong.
"No reasonably competent barrister, looking at the evidence provided by the complainant, could have come to any other conclusion."
Martin Forde, QC, representing Wallace, apologised on behalf of his client "to the profession as a whole", but stressed that his actions were uncharacteristic.
Mr Forde said Wallace's TV work made him a "visible figure", adding his notoriety had "added in a sense to his professional pain"
Wallace was fined £250 each for holding conferences with a client without a solicitor present and for failing to adequately explain the strength of the prosecution's case.
He was fined a further £1,000 each for failing to record his client's guilty plea and for failing to ensure his client understood the charge he was pleading guilty to.
Wallace has 21 days to appeal against the decision and a further 28 days thereafter to pay the balance of the fine.


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This week:
The Pengwins unite to create another hour of steamy love. Everyone tries a brain test to reveal who's who among the left and right brained, we review the fantasy stats, discuss haircuts, granny panties and so much more!
Things To Do:
- Try the brain test for yourself
- Check out this story about Andy Kaufman
- Look at Natalie Dormer in granny panties
- Tell us what they'd get wrong in The Movie of Your Life
- Watch Heat… again for the first time
@DerangedPengwin firstname.lastname@example.com
You can grab the feed here or on iTunes here. Subscribe via Email here.
Call us at (210) 701-0763 and leave us your thoughts on stuff.
DP69 download link
Totally buy yourself a Deranged Pengwin shirt here:
Drink like us:
- Adam and Jeana had hot chocolate… in glass mugs
- Brad drank more sleeping pills
- Dell had a beer… in a glass


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My Listings
75 VILLENEUVE Boulevard in Winnipeg: Fort Garry / Whyte Ridge / St Norbert Single Family Attached for sale (South Winnipeg) : MLS®# 2703871
75 VILLENEUVE Boulevard Winnipeg R3V 1C2 : Fort Garry / Whyte Ridge / St Norbert
Showings Mar 25th offers Mar 28th. New flooring just installed living room & dining area (wood floor bamboo) Patio doors off dining ara, all hardwoods up refinished, full basement. Hwt approx 3-4 yrs, also roof shingles. interior repainted, all PVC windo ws except livrm
Listing information last updated on February 29, 2012 at 09:15 PM (UTC)


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The "Volunteering in Humanitarian Aid – Sending Organisations" partners gathered in Athens for their third Consortium Meeting. It was the opportunity for them to assess the successes of the past months and to discuss the future of the project for its second — and last — year.
Amongst the highlighted successes :
- Actionaid Hellas (Greece) successfully submitted their certification request
- Most of the partners are now ready to submit their own certification request
- The placement of the Civic Service Volunteers was very beneficial both for the organisation they have been helping throughout the certification process and the volunteers themselves
The second year of the project will see the end of the certification process for most partners. They will then especially focus on communication and dissemination about the EU Aid Volunteers initiative.
European Solidarity Corps
The "Volunteering in Humanitarian Aid" project also responded to ECHO's call for participation in its new scheme: the European Solidarity Corps. Together, the partners gathered ideas and thoughts about this new initiative that will allow young European to engage for various causes inside European Union.


text: Today more than ever become important to talk about monsters. Someone is trying to prove their existence, someone is trying to shoot a movie with them, and who even manages to try yourself in the role in the movie. And here you wanted to be brave and to overcome the monsters who are trying to get into your town and take possession of it, so become a hero savior, and you will remember for years and years to come. Is that what you always wanted.


text: Hello all. I'm writing about my friend again with cirrhosis who was very recently hospitalized for a week following a ghastly night of bringing up blood and undergoing a banding procedure, which it seems, probably saved his life. He's been home for around three weeks, but is still drinking which concerns us enormously. He was told he must stop drinking. He brought a bottle of wine when visiting me last weekend and I said I felt uncomfortable about it and suggested he took it home, but that we have a glass each from my bottle. He was quite defensive and said words to the effect that "I'm not going to restrict myself". Can someone advise how to deal with this situation? We can see him ending up in the same situation again, in hospital. He saw his gp yesterday to pick up a new prescription (beta blockers I believe), but on seeing him, the gp didn't prescribe anything, but told him he should go to A&E as he suspects 'lower internal bleeding'. My friend said there was no way he was 'going back to there' (to the hospital, which he absolutely hated). He said he might go on Thursday. I'm at a loss as to know what to do or say. Any advice would be appreciated. Thank you.


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The Value of Doing Nothing
When it comes to saving for retirement, sometimes the best course of action is to do nothing.
That is, doing nothing by not reacting to short-term market movements and volatility. Despite the market's recent ups and downs, 60 percent of adult Americans said they were standing pat on their retirement savings strategy, according to the 2017 MassMutual Retirement Savers Study.1 Sixty-three percent of women and 56 percent of men were sticking to their guns.
Unfortunately, the study also found that only 23 percent of millennials were staying the course with their retirement savings, compared to 59 percent for those ages 35-49, 74 percent for ages 50-64 and 82 percent for ages 65 and older. So what were the other millennials who were changing their strategy doing with their retirement savings?
A third of millennials (32 percent) said they were moving more of their retirement savings into stocks and equities to potentially benefit from future growth, the study found. Meanwhile, a quarter of millennials (25 percent) said they were moving more of their savings into fixed-income investments such as bonds or money market accounts due to recent stock market activity. One in five was uncertain about what to do – they just wanted to do something different.
Clearly, there is a crying need for more education and guidance. Financial advisors know that time in the market is far more effective than trying to time the market. Morningstar reports that bad decisions by investors trying to time the equity markets reduce returns on average by 2.5 percent a year.2 In addition, the longer investors remain in the market, the better their chances of making money, according to data from Standard & Poor's.3
So how can advisors, retirement plan providers and plan sponsors protect retirement savers from themselves? Are there strategies and tactics that can be employed to help savers stay the course and focus on their longer-term retirement goals?
Advisors, sponsors and participants have increasingly been discovering the advantages offered by investment strategies such as managed accounts and target date funds. The strategies can work well individually in retirement plans but also can complement each other to meet different savers' needs.
TDFs, which reallocate assets to more conservative investments over time as the plan participant nears retirement, have become increasingly popular in recent years. Participants select an appropriate fund that is nearest to their planned retirement date. The assets within the fund are allocated to a combination of equities, fixed-income and other investments based on the time horizon to retirement. Investments are then reallocated along a "glide path," which becomes more conservative as a participant approaches retirement. Investments in these options are not guaranteed and the investor may experience losses, including losses near, at, or after the target date. Also, there's no guarantee that the options will provide adequate income at and through retirement
While age is the primary determining factor, other TDFs, also known as "lifestyle funds," are allocated based on a participant's risk tolerance with the same guiding principle of reallocating assets to a more conservative mix as the participant nears retirement. Age-based funds have recently eclipsed risk-based funds in popularity.
Managed accounts are built on the same principle of shifting assets to a more conservative mix over time but the actual asset allocation is unique to each individual. Assets are typically allocated based on each participant's personal data, including the retirement account balance, contribution level, income replacement goal, age and other information. Like a TDF, the assets within a managed account are also reallocated over time as the investor approaches retirement.
Increasingly, advisors are recommending managed accounts as a way for plan sponsors to drive higher rates of savings and potentially enhance returns. A 2014 Morningstar study of more than 58,000 retirement plan participants showed that those enrolled in managed accounts or who received some kind of financial advice increased their savings rates by nearly 28 percent, boosting deferral rates to 10.1 percent from 8 percent on average.4 Compounded over time, that change in savings can have a significant impact on the total savings at retirement.
The findings are a bright light at the end of a long tunnel. Brighter still, MassMutual's study found that millennials are more likely than other age groups to rely on investment strategies such as managed accounts. It's a strategy worth promoting – encouraging more millennials and other retirement savers to embrace managed accounts and TDFs for retirement savings – and then do nothing.
E. Thomas Foster Jr. is head of strategic relationships for retirement plans for Massachusetts Mutual Life Insurance Co. (MassMutual).
1The MassMutual Retirement Savers Study, https://www.massmutual.com/about-us/news-and-press-releases/press-releases/2017/05/05/17/14/massmutual-retirement-savers-survey-april-2017
2Bad Timing Costs Investors 2.5 percent a Year, June 11, 2014, Morningstar, http://www.morningstar.com/cover/videocenter.aspx?id=650699
3Time in the Market is More Important than Market Timing, Chart, Based on S&P 500 daily total return data since 1928, https://seekingalpha.com/article/4043612-market-timing-vs-time-market
4The Impact of Expert Guidance on Participant Savings and Investment Behaviors, http://corporate.morningstar.com/us/documents/barrons/Expert-Guidance.pdf