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Unison Equity Investment Program in Limited Pilot with Freddie Mac
Would you be willing to give up future home value appreciation, in return for help with your down payment today? Unison, a San Francisco-based company, offers home buyers exactly that.
Here is the concept, as explained on Unison's website, abridged:
"The Unison Homebuyer program will match your 10% cash investment (down payment) with another 10%, getting you to a 20% down payment. You only need a mortgage for 80% of the home's price. And there is no PMI premium to pay."
"The money from Unison is an equity investment, so there's no interest or monthly payments on that amount. Instead, you share with Unison part of the change in value of your home, up or down, when you eventually sell, up to 30 years later."
Sounds enticing, doesn't it? The idea of being able to make a 20% down payment, avoid PMI, and keep your monthly mortgage payment lower is attractive, especially in high-priced markets. Best of all, it isn't technically a loan. There is no interest accrual on the down payment match you receive, and there are no extra payments to make.
This deal does not come cheaply, however. While it isn't technically a loan, Unison expects to fully recover their investment – being the down payment funds they gave you – plus 35% of your home appreciation when you sell.
On a Jumbo mortgage, they take 43.75% of your home appreciation. Remember, they are also getting back every cent they gave you to begin with, plus these handsome sums.
Here's how Unison explains the math, in one of their own examples from the FAQ page:
"Let's assume you buy a home for $500,000. You borrow 80 percent, or $400,000, from a mortgage lender, and you and we each invest $50,000 towards the down payment. In exchange for providing 50 percent of the 20 percent down payment, we will receive 35 percent of the home's change in value as our investment return."
"If you sell the home in the future for $600,000, there is an increase in value of $100,000. Our return will equal 35 percent of that $100,000 increase, or $35,000. Our payment when you sell will equal $85,000, which is our original investment of $50,000 plus our return on investment of $35,000."
Looking at the math another way, if your $500,000 home is worth $600,000 when you sell it, that's a $100,000 profit. But Unison, by their own math above, is taking $85,000 of it, leaving you with only $15,000 in profit.
In short, Unison is banking on your future home value being juicy enough to give them a nice, fat return – out of a home sale profit that would normally be 100% yours.
Unison allows you to keep any equity that you earned from paying down your mortgage principal balance.
A word of caution: in order for Unison to recover their investment and obtain any financial return on it, the house must be sold at some future point. That point can be 30 years into the future. Otherwise, a homeowner can choose to "keep their home" and "buy them out" after 3 years. This latter option may not be feasible for buyers who needed down payment help to begin with.
While sounding good at first glance, Unison's "equity investment" program may be best suited to home buyers who are financially sophisticated, and who are familiar with the concept of buying on leverage, and who plan to be in their home for many years.
Unison's program is available through select lenders in the states of California, Oregon, Washington, Maryland and DC. Mortgage loans originated in tandem with Unison's down payment match are salable to Freddie Mac under a limited pilot offering.
This does not mean that Freddie Mac has endorsed the concept; it's more accurate to say that they're trying it on for size very cautiously.
Our own review of Unison's website leaves us concerned on another major point: they are looking for real estate professionals to help spread the word, and, for lack of a better way to phrase it, steer home buyers towards the program.
If the program is truly in the buyer's best interest, then we would be among the first to cheer it. However, without seeing their contract in detail, it's hard to say whether this is a good solution to boost a down payment, or, if it's a speculative product that could leave participants virtually broke at the closing table in years hence.
Keeping home buyers informed and protected is what an Exclusive Buyer Agent is all about! When you have questions about home buying, turn to your local EBA for guidance you can trust. Find an Exclusive Buyer Agent in your area today!


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subset: commoncrawl


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November 2018: Thought For The Month
Lest we forget
What's your memory like? How well, for instance, do you remember the people and places of your childhood?
I was born, raised and educated within less than a mile radius of what is now Morrisons on Fishponds Road. I remember shopping with mum in Tesco (now Pound Store), I remember the smell of pine from the rambling wood yard (now Gala Bingo), I remember spending pocket money in Woolworths (now Sainsburys) and opening a Bank account in Nat West (now a Jamaican restaurant). But I can't remember what was on the land now covered by Morrisons and its car park. Maybe a reader could help me with a photograph that would jog my fading memory?
At this time of year, Remembrance Sunday and the poppies we wear are helpful aids that cause us to remember. Thankfully, many of us will not have personal memories of war but it is right that we pause and consider those who gave their lives for us and the freedom we enjoy. I wonder, 100 years on from the end of World War I, whether without that set day and the use of poppies, we would still as a nation be remembering with thankfulness the sacrifices made for us? The act of remembering those awful days and the great human cost also, I trust, helps us to live differently today – being appreciative of what we have and seeking to maintain or develop peace.
There is, however, an even greater sacrifice that was made which has achieved a peace and freedom like no other. A life that was laid down, blood that was shed – for you and I. The day before his crucifixion, Jesus Christ initiated a simple and symbolic means that would help his followers never to forget what he did for them. It's often referred to as Communion today. Jesus took bread and gave it to his disciples saying, "This is my body given for you; do this in remembrance of me." It reminds us that God became man so that the perfect Jesus could die as our substitute – he took our place. And he gave them a cup of wine, which represented his blood that would be shed for us. Jesus died paying the price for our wrongs, so that anyone who turns to him and calls upon him in faith might be forgiven and free. It's such a vital sacrifice to be reminded frequently of – so that we might live with overwhelming appreciation to God and live our lives differently in the light of what Jesus has done and achieved for us.
We celebrate the Lord's Supper (as it is also called) on the first Sunday of the month as part of our morning service (10.30am), and on the third Sunday as part of our evening service (6pm). On November 4 we are basing our Family Service entirely around Communion, with the aim of helping all ages understand what it is and why we do it. You too would be most welcome to join us, lest we forget.
Paul Donovan
Pendennis Good News Church


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by Marine Scholar, Nina Allen
My name is Nina – and I'm a proud recipient of a scholarship from the Marine Corps Scholarship Foundation. I wanted to take a moment to share my story with you.
Becoming a nurse has always been my dream. When I was 13 years old, my mother was diagnosed with stage 3 stomach cancer; during her final days, there was a hospice nurse that cared for my mother, and her compassion and kindness inspired me to pursue this career.
My father, Gunnery Sergeant Michael Allen USMC (Ret.), who served in the Marine Corps for more than 20 years, raised my siblings and me on his own. I always knew that paying for college would be a challenge for our family. But the Marine Corps Scholarship Foundation stepped in when we needed them most, and today they're helping make my dream a reality. When I graduate with my nursing degree from the University of South Florida, I'll be living out the values my Marine father taught me: to show compassion to those less fortunate, and to give back to my community.
The Scholarship Foundation is a dependable resource for Marine families like mine, and they offer support to every eligible applicant; all you have to do is apply. But we need your help to spread the word.
I hope you'll take a moment to learn a little bit about the scholarship opportunities available and share this message with a Marine family in your life. You can read more about scholarship opportunities at the Marine Corps Scholarship Foundation here.
Thank you for the opportunity to pursue my educational dreams – and for giving me the chance to help others in our Marine Corps family.
Nina Allen


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Many of our shared ancestors left Ireland because of the Great Irish Famine. Here is the story of just one of those locations that was severely affected – and it became the site for the Irish Famine Museum today. Céad Míle Fáilte – and welcome to your Letter from Ireland for this week. If […]Continue reading
Our readers surnames from County Cork! Deep breath – there are a lot of them here – is your County Cork surname among them? Like to add your County Cork surname to our list? Just – and we'll let you know how to join in the fun.Continue reading


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Fitness Groups
For those who prefer to exercise, a wide cross-section of other community groups provide classes on a regular basis:
Fitness Classes
If you are keen to improve your fitness, a great choice of exercise classes operate locally most weekdays:
Pure Pilates – contact Kate for more info on 07801 568707.
Penn Pilates – contact Anna on 07786 445730 to find out more.
Kiai Fitness – contact Johnny on 07936 859835 or visit their website at Kiaifit.com.
Zumba Happy – contact Tess for more info on 07974 683398.
Yoga – for more details contact Mill Pike on 01494 463643.


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In the magical underworld of Victorian London, Tessa Gray has at last found safety with the Shadowhunters. But that safety proves fleeting when rogue forces in the Clave plot to see her protector, Charlotte, replaced as head of the Institute. If Charlotte loses her position, Tessa will be out on the street and easy prey for the mysterious Magister, who wants to use Tessa's powers for his own dark ends.
With the help of the handsome, self-destructive Will and the fiercely devoted Jem, Tessa discovers that the Magister's war on the Shadowhunters is deeply personal. He blames them for a long-ago tragedy that shattered his life. To unravel the secrets of the past, the trio journeys from mist-shrouded Yorkshire to a manor house that holds untold horrors, from the slums of London to an enchanted ballroom where Tessa discovers that the truth of her parentage is more sinister than she had imagined. When they encounter a clockwork demon bearing a warning for Will, they realize that the Magister himself knows their every move and that one of their own has betrayed them.
Tessa finds her heart drawn more and more to Jem, though her longing for Will, despite his dark moods, continues to unsettle her. But something is changing in Will; the wall he has built around himself is crumbling. Could finding the Magister free Will from his secrets and give Tessa the answers about who she is and what she was born to do?
As their dangerous search for the Magister and the truth leads the friends into peril, Tessa learns that when love and lies are mixed, they can corrupt even the purest heart.
5/5 Stars!
This book has been out for a week now, and if you haven't picked up a copy yet...well...what are you waiting for?
As I mentioned to Cassandra Clare on twitter, normally I HATE love triangles--usually they're done in such a wimpy fashion, all "oh, I can't decide...one's all broody and the other's all...broody" but that isn't the case here. The dynamic between Tessa, the main character, and the two boys, Will and Jem, is unique. Usually the two guys in a love triangle are in a perpetual battle for the girl's affections, and they can't stand each other (it's all very dramatic). Whereas in Clockwork Prince, Will and Jem are best friends. There is so much love and affection between the two boys, and that makes Tessa's feelings for them both even stronger, because they ARE so close, and care for each other so much.
The problem is that she loves them both, but for very different reasons, and she finds herself torn between them.
Truthfully, I'm all kinds of torn between who I want her to choose...don't worry, Tessa. It's not just you.
This book picks up where Clockwork Angel leaves off (READ THAT ONE FIRST!!!), and now the pressure is on to find The Magister before they lose control over the Clave. The characters are getting desperate. This book is full of magic, mystery and betrayal...and possibly the BEST love triangle in YA (in my own humble opinion).
Aside: I'm sorry about going on about the love triangle, but I love it so...Tessa is just so PROPER, and everything is so SCANDALOUS!
And also? There's more Magnus Bane in this one than in Clockwork Angel, and I love me some Magnus Bane.
I loved being drawn deeper into the world Cassandra Clare has created. It's so full of secrets and unexpectedness (that's not a word, you say? I say BAH to you. It is now. So there) and magic and danger...I could go on and on...
But I won't. Go read the book and find out for yourself.
Love ya!


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Corporate News
By Cathy Rose A. Garcia, Associate Editor
Daiso Japan ramps up expansion in Philippines
Posted on April 12, 2017
DAISO JAPAN is ramping up its store expansion this year, amid stiff competition posed by the entry of other affordable lifestyle brands from Japan, South Korea and China.
The partnership of Robinsons Retail Holdings, Inc. and Japan's Daiso Industries Co. opened its 60th store at the UP Town Center in Quezon City last March 31.
Bernice Jayne Caioa-Bunoan, marketing manager of Daiso Japan in the Philippines, said the company is targeting to open 10 new stores, bringing the total to 70 by end 2017.
"We will have stores in Naga and Iligan. We're also opening at Ayala Malls Feliz (in Cainta) and Cloverleaf in Balintawak," she told BusinessWorld in a recent interview.
Daiso Japan unveiled a new design concept for its 60th store, which is brighter and more streamlined than the existing outlets.
"As you can see, the UP Town Center store has a different feel. It's really airy, very modern but streamlined. And it gives customers enough space to shop around. We played around with wood and stainless for a Japanese feel," Ms. Caoia-Bunoan said.
Daiso Japan offers around 10,000 items, ranging from home and kitchen products to beauty essentials to stationary. Most items are priced at P88, but some are sold for P188 and P288.
"We're a one-price point store. One of our thrusts is to bring fun and creativity to our customers through the three pillars of the brand -- variety, quality and uniqueness," she said.
Daiso Japan targets mostly female Filipino consumers in their early 30s.
"Cleaning, kitchen items -- home is the number one category, followed by stationary. The target market of Daiso is early 30s, young moms and young adults who are fond of stationary... Moms who are homemakers and into crafts," Ms. Caoia-Bunoan said.
Other best-selling products include storage organizers, cleaning supplies, kitchen tools, as well as do-it-yourself items such as tools and small electronics.
Another growing category is pet products, such as pet clothes, food and accessories. Strong sales of pet products are expected at its UP Town Center branch, since the Ayala mall is known to be pet-friendly.
Ms. Caoia-Bunoan also noted a rise in the number of male customers, who purchase car and bike accessories, as well as DIY items.
Even though there are other brands like Miniso and Mumuso entering the market, Daiso Japan wants to distinguish itself with its hard-to-find products and quality.
"All items are ordered from Daiso Global, which ensures the quality. All the items have to pass through quality checks of Daiso Global. We don't order direct from suppliers... It's the same product quality in Japan and here," she said.
The first Daiso Japan store in the Philippines in April 2009 at the Robinsons Galleria.
The Japanese brand is owned by Daiso Industries Co. Ltd. since 1977. Hirotake Yano founded the company, and first introduced in 1972 the concept of a shop selling products that cost only Ą100. In Japan, Daiso has over 2,400 stores and is present in at least 30 countries.


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Tim is a shareholder, member of the Gallagher & Kennedy board of directors and head of the firm's Tax Law practice. For over 20 years, Tim has focused his practice in all areas of federal tax law, with an emphasis on partnerships, limited liability companies, C and S corporations, real estate, international taxation, and civil tax controversy. He provides tax planning, structuring and documentation for business and individual clients, including joint ventures and tax-exempt organizations.
Since 2007, Tim has been consistently recognized as a Best Lawyer by Best Lawyers in America, and has earned the Martindale-Hubbell AV Preeminent Peer Review Rating. In 2013, he was recognized in Az Business Magazine's list of "Arizona's Top Lawyers." Tim is also a certified public accountant.
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08 Nov Keeping Focused Through the Ups And Downs
Since graduation, the journey into life as a working adult has not been smooth sailing. It took me about four months to secure my first job. I had felt demoralised, but the waiting helped me to be grateful towards whatever God has given me in my life.
Working life is full of ups and downs in terms of work outcomes and interpersonal relationships. Thankfully, God has His well-designed plan for me. He put me through a steep learning curve where I constantly struggled with my old-self of trying to impress others with my competency. I am still learning to always seek first His kingdom and righteousness and entrust the rest, especially work performances, to Him. I also learnt to embrace the differences between me and my colleagues and be more encouraging towards others by affirming their efforts.
Being the only Christian in my lab, I needed to constantly remind myself to guard my heart above all else, for everything I do flows from it (Prov. 4:23). It is important to have companions-in-Christ with whom I can share my struggles. Although I didn't have one in my workplace, I thank God that brothers and sisters from NTU Chinese CF have given me prayer support all these years. I am also reminded to be a good testimony for God. I took the initiative to take up a duty that nobody was willing to do. Initially it seemed a burden, but the effort eventually influenced others to assist me in the end.
Sometimes, working life can be so routine and boring that it made me lose my passion in everything. Then, I realised that the root cause was due to having strayed from my focus in life and from God. Therefore, I adjusted my focus by attending night classes in a theological seminary. It was a fruitful learning period and helped me regain my momentum towards life.
When I felt lost in my career prospects two years ago, God provided me the opportunity to further my studies in NTU again. My journey with God is still ongoing, yet I am thankful that God has allowed me to experience good times and bad. Most importantly, He is always my shelter and strength.
Written by Tie Hieng Chiong
Hieng Chiong graduated from NTU in 2010 and currently he is a third year PhD student.


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The School of Chi Energy Training
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Framed: 38 1/4 x 33 inches
It has been noted many times by critics and writers that John Koch's work, in his upper Manhattan apartment, was one of grown ups socializing in a well to do milieu. This appeared to be true and yet what has made the art of John Koch so perpetually interesting, are all the other nuances and asides mixed in to this environment.
John Koch was a figurative artist in modernist times. So it would naturally follow that his work would not be relative to a movement or group of the twentieth century but very much an "oeuvre" all its own. He tended to depict visitors and friends to his Manhattan apartment who engaged in conversation against the backdrop of a well appointed and tasteful home. His most controversial works are his depictions of couples in intimate situations. Koch was especially adept at painting nudes in interiors, which is a subject that could be analyzed, written about and speculated on, rather extensively. He was known to do portraits and it may have been these works which brought him his financial solidity.
Koch was especially adept at painting nudes in interiors, which is a subject that could be analyzed, written about and speculated on, rather extensively. Girl in Dining Room comes from what was perhaps the bread and butter part of his career. He was known to do portraits and it may have been these works which brought him his financial solidity. It would be easy to assume that many of his visitors, friends and patrons would have children and that they might commission Koch to do a portrait of their daughter. Or that John would be captivated by a young child and aks that she sit for him.
Girl in Dining Room is a captivating, fresh and individualistic portrait. Everything about it separates it from "portraits" as we have come to know them. They young girl has an unforgettable face which probably owes much to Koch interpreting something very special in her gaze, flesh tones and demeanor. It is interesting to wonder if the outfit was carefully orchestrated or a marvelous accident affording the artist much design and color plays with which to work. Koch has artistically limited his palette to buttery yellows and rich browns, taking down the green and red tones to be secondary to these two colors. Even the flesh tones and whites have a yellow base and this unusual hue unconsciously sets this painting apart in a clever manner. The porcelain cabinet behind the child is a Koch hallmark and these elegant objects do not reflect anything about the sitter and bear no relation to her. Often artists approach a portrait and are asked to include objects that give hint to the sitter's interests, family background and personality. Here we are conscious that these objects are probably Koch's and are more representative of his presence as an artist, creator, owner of the apartment and being in control of the pictorial plane. Yet there is the unusual outfit that competes in the picture for attention. An outfit that suggests the sitter is still young enough to be dressed by her parents, which suggests an almost country sort of naïveté and a disarming charm that also suggests a sheltered, indulged and privileged upbringing.
As much as a nude by John Koch would take some self confidence to hang in a home, this work does as well. In the tradition of painters who painted great portraits that command a room; this work is not a wallflower portrait. It is perhaps traditional in the realm of great portraits, as it can not be dismissed as another dull portrait but regarded as a real work of art that has attained higher and a more distinct level of artistic achievement.
Private Collection, Florida
Hammer Galleries, New York
Private Collection, Newtown, Connecticut


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Nery Mantey Niangkouara
Nery Mantey Niangkouara (Greek: Νέρι Νιαγκουάρα) (born March 14, 1983 in Athens, Greece) is a Greek swimmer. She began her career at Nereus Halandri and then moved on to Panathinaikos. In 2001, she won 2 silver medals at the Mediterranean Games in the 100m and relay races. She was 5th in the European Championships in 2002 in Relay 4Ch100. She won the first medal for the Greek colors in the European Swimming Championships in Madrid, with a time of 55.05 in the 100m free. In the 2004 Olympics in Athens she was 6th in the 100m free and 7th in the 50 meters, and was disqualified in the 4 × 100 m free.[1]
|Personal information
|March 14, 1983
Athens, Greece
|1.78 m (5 ft 10 in)
|64 kg (141 lb)
Medal record
At the end of July 2005 she took 7th place at the World Aquatics Championships in Montreal in the final of the 100m free.[2]
In 2006, she continued her streak of very good performances. Neri Niangkouara qualified for the final 100 meters free with performance of the 2nd semi (54.63, record, old 54.81 own by August 14, 2004) the European Aquatic Championships in Budapest in August 2006. Niangkouara managed to finish in third place in the final, August 2, 2006, with the national record (54.48). The old record was all of the previous day, 54.63.
In 2007 Niagkouara had good position in the International Military Games in India in the 50 meter freestyle, and finished in 6th place with 25.65.
In November 2007, Neri announced her decision to retire.[3] However, she came back in style in 2012, competing at the Olympics again.[1] As of September 2013 she is also a swimming trainer of Panathinaikos' youth academies. She is the daughter of a Kenyan father and a Greek mother.
- ^ a b "Nery Mantey Niangkouara Bio, Stats, and Results". Olympics at Sports-Reference.com. Archived from the original on April 18, 2020. Retrieved May 28, 2015.
- ^ "Google Translate". translate.googleusercontent.com. Retrieved April 27, 2018.
- ^ "Google Translate". translate.googleusercontent.com. Retrieved April 27, 2018.


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Based on the latest models and this morning's convection to our west, our severe threat has shifted to late evening. Our greatest chance for severe storms with damaging, straight-line winds has drifted back a couple hours to the 7 pm thru midnight.
Currently: Mild and Windy
Light, barely worth mentioning showers are still possible until the main event this evening accompanied by a stiff breeze.
Our temperatures are still on track to reach the mid 70's especially in the eastern Barren and Allen Counties that are getting more sunshine. Perhaps this added instability will kick off some stronger storms there later tonight
Nasty Tomorrow
We are still expecting nearly constant showers and temperatures in the chilly upper 40's all day tomorrow. Yuck.
For more of the latest updates follow @wxornotBG.


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CCNA1 v6.0 Chapter 6 Exam Full 2017 100%
1. QuestionWhich characteristic of the network layer in the OSI model allows carrying packets for multiple types of communications among many hosts?
2. QuestionWhat are two characteristics of IP? (Choose two.)
3. QuestionWhen a connectionless protocol is in use at a lower layer of the OSI model, how is missing data detected and retransmitted if necessary?
4. QuestionWhich field in the IPv4 header is used to prevent a packet from traversing a network endlessly?
5. QuestionWhat IPv4 header field identifies the upper layer protocol carried in the packet?
6. QuestionWhat is one advantage that the IPv6 simplified header offers over IPv4?
7. Question
Refer to the exhibit.Which route from the PC1 routing table will be used to reach PC2?
8. Question
Refer to the exhibit. R1 receives a packet destined for the IP address 192.168.2.10. Out which interface will R1 forward the packet?
9. QuestionWhat type of route is indicated by the code C in an IPv4 routing table on a Cisco router?
10. QuestionWhat routing table entry has a next hop address associated with a destination network?
11. QuestionWhich statement describes a hardware feature of a Cisco 1941 router that has the default hardware configuration?
12. QuestionFollowing default settings, what is the next step in the router boot sequence after the IOS loads from flash?
13. QuestionWhat are two types of router interfaces? (Choose two.)
14. QuestionWhich two pieces of information are in the RAM of a Cisco router during normal operation? (Choose two.)
15. QuestionA router boots and enters setup mode. What is the reason for this?
16. QuestionWhat is the purpose of the startup configuration file on a Cisco router?
17. QuestionWhich three commands are used to set up secure access to a router through a connection to the console interface? (Choose three.)
18. QuestionWhich characteristic describes an IPv6 enhancement over IPv4?
19. Question
Open the PT Activity. The enable password on all devices is cisco.
Perform the tasks in the activity instructions and then answer the question.
For what reason is the failure occurring?
20. Question
Match the command with the device mode at which the command is entered. (Not all options are used.)


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The Getty Center
©2017 J. Paul Getty Trust
Pacific Standard Time, the regional Getty-led collaborative event launched in 2011 to explore the arts and culture of Southern California, is wading into new waters for its next edition, to be held in 2024. PST: Art x Science x LA will look at the intersection of art and science. The Getty is teaming up with the Hammer Museum at the University of California, Los Angeles (UCLA) and the Los Angeles County Museum of Art (Lacma), home to the LACMA Art + Technology Lab, for the event, which will include public programmes, exhibitions and research projects organised and staged by cultural and scientific institutions across Southern California.
"It just seemed like such an obvious thing and such a timely thing to dedicate the next Pacific Standard Time to science," James Cuno, the president and chief executive of the J. Paul Getty Trust, says of the process of brainstorming on the events theme along with leaders from Lacma and the Hammer. He points to the role of science in greater Los Angeles, including the California Institute of Technology (Caltech), the Griffith Observatory, the aerospace industry and, most recently, high-tech "Silicon Beach", as well as the primacy of issues like climate change, earthquakes and wildfires in the region.
"Increasingly artists are engaged in collaborative projects with science", he says, from virtual reality to artificial intelligence. The multi-media New York-based artist Tavares Strachan, who worked with the LACMA Art + Technology Lab for his project ENOCH (2018)–a 3U satellite currently orbiting the earth that commemorates the first African American astronaut, Henry Lawrence Jr.–is serving as an advisor on the project. People involved in the planning are interested in "the role of the arts in science and this kind of false dichotomy between artists and science", Cuno says.
Although the event is only in the very early planning stages, with more concrete proposals due to launch in late summer or early autumn, Cuno anticipates working with institutions such as the Jet Read More – Source
the art news paper


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[NEWS] Pick up your best cupcake stands! date:2014-12-16 14:16:29
Cupcakes can be eaten for desert or a snack, and are often featured at parties such as birthdays and weddings. Regardless of what the foods are used for, the proper cupcake stands are often important depending on the setting. The choices for packaging inc...
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Sick to Death by
When Gage Adder finds out he has inoperable pancreatic cancer, things really start to look up for him. He leaves his soul-crushing job, joins a nice terminal illness support group, and takes up an exciting new hobby: Beating the hell out of bad guys.
Gage's support group friends Jenna and Ellison don't approve of his vigilante activities. Jenna says fighting never solves anything. Poison, on the other hand… When the three decide to team up and hit the streets, suddenly no rapist, pedophile or other odious criminal in the city is safe.
They are the sickest of superheroes. Their superpower is nothing left to lose. But what happens when one of them takes this power too far and puts at risk the lives of hundreds of innocent people? Where does one draw the line when dying to kill?
About the author, Greg Levin:
Greg Levin is an award-winning author of dark comedic fiction. His first novel… meh, nobody but Greg really cares about his first novel. His second novel, 'The Exit Man,' was optioned by HBO for development into a TV series and won a 2015 Independent Publishers Award (a.k.a., an "IPPY"), earning a silver medal for Best Adult Fiction Ebook. Greg's third novel, 'Sick to Death,' is out now and is being hailed by critics everywhere as one of the top three books he has ever written. Author Craig Clevenger (The Contortionist's Handbook) has called 'Sick to Death' "a tour de force dark comedy."
Greg resides with his wife, daughter and two cats in Austin, Texas, where he reportedly is wanted by local authorities for refusing to say "y'all" or do the two-step. Greg is currently working on his fourth novel.
Website: greglevin.com
Facebook: @greglevintheauthor
Twitter: @greg_levin
Instagram: @greglevinauthor
Be sure to join Greg's email list to receive his popular biweekly blog posts as well as occasional news about his upcoming novels. You can do so at greglevin.com.


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Taxation and the Sabbatical: Doctrine, Planning and Policy
70 Pages Posted: 6 Apr 2010 Last revised: 29 Apr 2010
Date Written: April 5, 2010
It is common practice for faculty who go on sabbatical leave to take up temporary residence at another location during the sabbatical period. This temporary relocation has significant income tax implications. These tax implications also arise when a faculty member at one institution serves as a visiting scholar at another institution (a scholar's visit). This article describes the current income tax treatment of sabbaticals and scholar's visits and develops the tax planning hurdles and opportunities posed by this treatment. It concludes with a consideration of the policy issues raised by this state of affairs.
Keywords: Taxation, Sabbatical, Faculty, Visits, Deductions, exclusions
Suggested Citation: Suggested Citation


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Monday, 21 December 2009
Moleskine Art Journal - Goal for 2010
Towards the end of 2009, I began my first experiment with Art Journaling and I fell in love with it. In the olden days, writing used to be my hobby. But now that I am hell-bent on making writing my profession, I decided I needed a new hobby that I could allow myself to be bad at, while being creative and having fun - so art was a natural selection. And since I am addicted to journals, art journal was again just the next step. I did a few pages this year and restarted drawing/painting. So for 2010, I have decided to take it one step further, and consciously devote more time to it. My goal then is to finish a complete art journal. I will be using a Large Watercolour Moleskine. I have already done 3 pages in it this year, but there are still 68 pages for next year, so that's more than one a week, and with my schedule, that's plenty. I chose Watercolour Moleskine, because its thick pages give me more freedom of medium. I can use watercolours, paste paper/cards, sketch pens and felt tip pens. It's pretty flexible. Getting really excited about it now, and looking forward to it.
Posted by Dolly at 09:06
Labels: Art Journal, Art Journal 2010, Goal for 2010
3 comments:
- Anonymous28 December 2009 at 15:21
Good Luck with the project - I did 'a drawing a day' (any medium, but had to be directly observed) in a large watercolour moleskine as my resolution in 2008. These moleskines are fabulous for this sort of challenge! All the best!ReplyDelete
Thanks :-) I haven't set myself specific days beccause for this kind of thing I really have to be in right mood, but I still hope to complete the challenge.ReplyDelete
We do not impose exorbitant prices on our Online Essay Editor as well a comprehensive policy where we attempt to accommodate almost every budget.our Nursing Paper Writing Service are prompt in completing custom papers.ReplyDelete
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So I really haven't done much of anything since the gathering, but I wanted to catch up on blogging. I finally put away my Galvantula wig after it sat wrapped up in a mesh bag for months since I last used it I saw it almost every day and just left it there. I feel bad, I thought it was ruined, but after a gentle brushing, it looks better than ever! I plan to use that wig for my Ironette cosplay, but it's not a very high-quality wig, so I may not. It just has very nice and appropriate styling for Ironette.
I cleaned up the sewing room some, but not a lot. I plan to work on cleaning it up a little bit every day until it's done. It's a really big task, could take a really long time. People just keep giving me things, and I keep buying things, so stuff just piled up. I really do love when my sewing area is clean and I know where everything is, it just gets so messy so easily when I'm working on a project!


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SEMMantics 40 Speaker Lineup
The speaker lineup for SEMMantics 40 is set, and we think it's really XL-ent! When you attend SEMMantics, from April 26 through April 28, there will be a parade of talks on a wide range of topics across the entire event, all included in your registration.
It's your choice. You can attend as many lectures as you wish. We understand there are so many other fascinating things going on too. But we are certain there will not be a better lineup to choose from at any Michigan Mensa event in 2019.
- Billie Lee: "Should I put Mensa on my Resume?"
- Tom Carr: "MI Bad: Robbers, Cutthroats and Thieves in Michigan's Past and Present"
- Harry Ringermacher: "The Ringing Universe, Confirmed and Revisited"
- Peggi J. Tabor: "The Science of Happiness"
- James Marcinkowski: "Making Sense of Terrorism and the Changing Middle East"
- Rob Rayer: "Fraud Awareness"
- Simon Ren: "Coming Home"
- Caleb Collier "Common Sense Strategies to Wealth Accumulation"
- Detroit Institute of Art: "Behind the Seen" slideshow "In the Garden"
- Debbie Jackson: "Monarchs-Missing from your Garden?"
- Elaine Donnelly: ""Social Change in the Military – Where Are We Going With This?"
Check out our SEMMantics site to register or to get more details.


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Having an outdoor kitchen means you can host barbeques, parties and picnics with ease. It's a fabulous way to enjoy sunshine, fresh air and entertain close friends without undertaking any hassle inside your home. A stove, fridge and a grill are almost all you need to set up such a kitchen outside your home. And here are 16 trendy designs that will inspire you.
The sunny yellow kitchen counter paired with beautiful vibrant tiles on the floor and wooden flooring makes this eclectic kitchen very unique. Rattan furniture, charming lights, greens, a beautiful swing and a wall lined with bricks make this space endearing and inviting. Credit goes to the architects at Duailibe Arquitetura.
Despite the narrowness of this modern balcony, a neat wooden kitchen, a sleek table and transparent acrylic chairs make mealtimes a pleasure here. Lots of sunlight and a lush vertical garden add to the warmth and liveliness.
Done up in white and wood, this kitchen looks sober and spacious. A stylish chimney, a traditional oven and enough pots, pans and ladles complete the comfort factor here. The white chairs are very chic too.
The backyard of this house features a stunning swimming pool, greenery as well as a modern outdoor kitchen defined with stone and wood. The wooden seating arrangement is also elegant.
Sliding glass doors open up this beautiful wooden kitchen to a sunny garden. A barbeque grill and neat furniture make the kitchen both stylish and comfy.
Wooden furniture and a bamboo ceiling make this spacious kitchen as rustic as possible. The subtly patterned tiles and a concrete barbeque add to the raw earthiness of this space.
Slatted wooden ceiling, modern appliances and a long wooden table with colourful chairs make this kitchen warm and functional. It opens up to a lavish garden through folding glass doors for a refreshing ambiance.
Situated on a balcony, this beautiful outdoor kitchen is a combination of wood and colourful tiles. A TV adds to the entertainment factor here.
Bold grey stone defines the personality and uniqueness of this kitchen that seems to be surrounded by dense forest. The pots and pans hanging above the island add to the homely look.
Bright white join hands with wooden details and clear glass for a very stylish and minimal look in this kitchen. The charming oven and grill add to the inviting ambiance.
Smooth black and white surfaces make this outdoor kitchen a classic yet modern affair. Modern grill and oven along with some cosy rattan furniture and a TV promise ample leisure here.
A bright green kitchen has been integrated with a pool table and dining space here. Though shaded with a stylish gazebo, this outdoor kitchen connects with the green lawn beautifully.
Rendered in wood, brick, and neutral hues, this spacious outdoor kitchen is indeed luxurious and furnished elegantly. The lighting is very smart and contemporary.
Vibrant tiles on the walls, shiny mosaic tiles and bright blue stools make this kitchen very colourful and inspiring. The nearness to the pool and wooden benches on the right lend naturalness and rusticity.
Solid wooden beams dominate this very spacious kitchen where you can relax, eat, watch the game and more. Stone and patterned tiles on the wall add to the earthy appeal.
Rich wooden cladding on the walls, bright white on the ceiling and countertop, quaint wicker chairs and bold black lamps make this kitchen a very beautiful space. Large windows bring in ample sunlight and fresh air.
Here is another story you can read –7 pictures of pantries for a modern and organized kitchen


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Live From New York!: So yeah, she got clobbered by Holly Holm. But love her or hate her, you just can't turn down the wattage on Ronda Rousey. The multitalented UFC star will once again enter the public spotlight for the first time after her crushing loss at UFC 193 with her first-ever gig as host of Saturday Night Live on January 23. (We can't wait to see her put Colin Jost in an arm bar). It's just the beginning of what figures to be a busy year for Rousey: UFC President Dana White has already said that the Rousey-Holm rematch will be in 2016, and could come as early as July 9, despite claims from Holm's camp that Rousey won't be ready and that Holm would prefer to fight someone else (like Miesha Tate) in the meantime. [NBC]
Excited to kick off 2016 with Adam Driver, @ChrisStapleton, @RondaRousey and @selenagomez! #SNL pic.twitter.com/J346nqL81z
— Saturday Night Live – SNL (@nbcsnl) January 5, 2016
Fitbit's on Fire: The heavyweight maker of sweat-ready gadgets unveiled its first-ever "fitness tracker watch," the Blaze, on Tuesday morning. It's designed for the style-conscious workout fiend, with interchangeable bands and a robust suite of fitness-measuring software—and that spells a little bit of heat for smart watch makers like Apple and Samsung. [Men's Fitness]
"Google Glass for Cyclists": Garmin has revealed its new Varia Vision, a $399 "in-sight display" that integrates with other Garmin products to give bicyclists heads-up notifications about cars behind them (yay) or incoming phone calls (wtf). [The Verge]
Under Armour Joins the Fray: The fast-growing apparel juggernaut on Tuesday launched its new HealthBox, a "connected fitness" system designed to measure "how you feel" with three different gadgets: the wrist-mounted band, a scale, and a heart rate tracker you wear on your chest. [Under Armour]
Exercise smarter, feel better, & live longer with #UAHealthBox. Explore now: https://t.co/CD3SwtSmxR pic.twitter.com/gZH7mbgJd0
— Under Armour (@UnderArmour) January 5, 2016
Location, Location, Location: Three NFL teams—the San Diego Chargers, the Oakland Raiders, and the St. Louis Rams—have filed documents to move to Los Angeles, the league said. The price to move to a new home? A cool $550 million. [NBC Los Angeles]
The Future Has Arrived: Also unveiled at the Consumer Electronics Show: the new Faraday Future, a 1,000-horsepower, all-electric car that goes from 0 to 60 in less than three seconds. But let's be honest—you're just buying it because it looks like a Batmobile. [Los Angeles Times]
Introducing the Faraday Future FFZERO1 Concept.https://t.co/8ixzLtzVAj
— Faraday Future (@FaradayFuture) January 5, 2016
Tom Coughlin Steps Down: Coughlin resigned Monday after 12 seasons at the helm of the New York Giants, after claiming two Super Bowl wins in East Rutherford but backsliding the past few seasons. [Giants.com]
For access to exclusive gear videos, celebrity interviews, and more, subscribe on YouTube!


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Call (240) 600-0888 for a safe and luxuries Bethesda MD, Washington DC & Northern VA concert limo service. Hire us for our professionalism, great customer service, reliability and affordability.
Your happiness is one step ahead when you reserve a quality limo service for your concert. Leave all transportation worries to us. When you hire one of our best chauffeurs you don't have to worry about road conditions, annoying traffic, expensive parking spots, being on time at your destination.
It is not without a reason that you need our outstanding service today. Don't hesitate to give us a call and reserve your limo. Don't wait until the last minute and jeopardize your trip.
There are people like you, who are searching for the same service you are looking for. Before they take your spot why don't you call right now and reserve your limo?
Avoid bad surprises at the last minute. Let's do the reservation right now and put the worries aside. Call us or fill the form for an instant reservation. One of our agents will contact you and confirm the reservation.


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Who doesn't want to live in beautiful Snell Isle? 105 Estado Way NE will help you achieve this dream! This 3 bedroom, 3 bath home sits on an oversized lot with a private Florida oasis in the backyard. It's just 5 minutes to the fabulous downtown! For more information contact Rhonda Sanderford 727-643-7346 email@example.com Take…Read more
Listing Lookout: 1825 Bayou Grande Blvd. NE
1825 Bayou Grande Blvd NE is a home you do not want to miss out on. It has boating, fishing, stunning sunsets, a relaxing porch, fire pit, pool spa and balcony! You name it! And this is just the outside. This beauty is a 6 bedroom/4 bathroom house sitting on a oversized double lot that…Read more
Fresh Spring Fun
Spring is here! Many people have their traditions when it comes to Easter, Passover or just spring decorating. Some dye eggs or have good ole easter egg hunt or enjoy some lovely homemade matzah. Here are some ways to have fun with your loved ones at home! Peep Houses Everyone loves a good ginger bread…Read more


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Olympic Gold Medalist Shannon Miller on Lifetime Television to promote Childhood Obesity Awareness
Author: Shannon Miller
For more information, contact:
Katie Barnes
Marketing and Public Relations
Shannon Miller Lifestyle: Health and Fitness for Women
(877) 344-8502 (office) / (904) 599-2171 (mobile)
Courtesy of The Balancing Act on Lifetime.
BOCA RATON, FL, Oct 12, 2010 – Seven-time Olympic Medalist Shannon Miller will be on Lifetime Television's Balancing Act October 25 from 7:00-8:00 AM to promote childhood obesity awareness through the efforts of Shannon Miller Lifestyle, Healthy Weight Commitment Foundation, and 'nPLAY.
Miller states, "All kids yearn for a sense of control over their lives. So kids naturally feel energized when they realize that they have personal control over their eating and exercise habits. I look to the Healthy Weight Commitment Foundation and 'nPLAY as a resource to teach children these basics of healthy living—calories in and calories out—and inspire them to live in this balanced way."
Shannon Miller Lifestyle is a Healthy Weight Commitment Foundation Partner (http://www.healthyweightcommit.org/supporters/partners/), and Miller is on the Board of Governors for 'nPLAY (http://nplayfoundation.org/index.php/athletes/gymnastics/), along with other athlete supporters such as Grant Hill, Jennie Finch, Evander Holyfield, Summer Sanders, and Johnny Weir.
Shannon Miller is the only American to rank among the Top 10 All-Time Gymnasts and is the only female athlete to be inducted into the US Olympic Hall of Fame twice (Individual 2006 and Team 2008). Among her career highlights, Miller has won an astounding 59 International and 49 National competition medals, over half of which are Gold. She is the only US gymnast to win two World All-Around Titles. Her tally of five medals (two Silver, three Bronze) at the 1992 Olympics in Barcelona, Spain was the most medals won by a US athlete. At the 1996 Games in Atlanta, GA, she led the "Magnificent Seven" to the US Women's first ever Team Gold and for the first time for any American gymnast, she captured Gold on the balance beam.
Miller is now President of Shannon Miller Lifestyle: Health and Fitness for Women, as well as an author, television personality, and host of Shannon Miller Lifestyle Radio presented by St. Vincent's HealthCare. She holds a BBA in marketing and entrepreneurship from the University of Houston and her law degree from Boston College. She founded the Shannon Miller Foundation dedicated to fighting childhood obesity and is Co-Chair of the Florida Governor's Council on Physical Fitness.
Miller continues to travel the country as a highly sought after motivational speaker and advocate for the health and wellness of women and children. Shannon and her husband welcomed their first child John "Rocco" on October 28th, 2009.
The mission of Shannon Miller Lifestyle is to inform, educate, and inspire women to lead a healthy and balanced lifestyle. Through books, DVDs, motivational speaking, a weekly call-in radio show, and website https://www.shannonmiller.com, Shannon focuses on opening the lines of communication and reminding women that it is okay to ask questions, demand answers, support each other and have fun along the way. Shannon Miller Lifestyle is targeted to women with a focus on pregnancy and motherhood.
The Healthy Weight Commitment Foundation is a first-of-its kind coalition that brings together over 120 retailers, food and beverage manufacturers, sporting goods and insurance companies, restaurants, a professional sports association, trade associations, NGOs (Non-Governmental Organizations), and the U.S. Army. The Foundation focuses on activities in the schools, the workplace and the marketplace to promote healthy weight among Americans by balancing the energy they consume with the energy they expend through physical activity.
ABOUT 'nPLAY FOUNDATION
'nPLAY is a peer-to-peer movement in which one athlete asks another to help, building membership and momentum. The organization's initial focus is to help schools meet the criteria of the Healthier US Schools Challenge. 'nPLAY and the USDA-Food Nutrition Services are in the process of developing a partnership that will focus on increasing the time dedicated to physical activity/education in targeted schools.
The Balancing Act TV show airs on Lifetime Television at 7:00am (ET/PT) – and is America's premier morning show that's about women, for women, and trusted by women. Celebrating life and all there is to accomplish, The Balancing Act inspires and empowers with entertaining and educational segments, placing women in the best position to achieve success in every area of their lives. For information or to view a show, visit http://www.TheBalancingAct.com.
Shannon Miller Lifestyle products currently available at https://www.shannonmiller.com/store and
http://www.amazon.com (keyword: Shannon Miller Lifestyle):
• Shannon Miller Abs To-Go
• Shannon Miller Yoga To-Go
• Shannon Miller Stretching To-Go
• Shannon Miller Food Journal & Exercise Log
• Shannon Miller Runner's Journal
• Shannon Miller Healthy & Balanced Pregnancy Cookbook
• Shannon Miller Fit Pregnancy DVD
• Shannon Miller Body After Baby DVD


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What if you could decrease your stress today. What if tomorrow you could live with less anxious, rapid, and concerned thoughts?
Stress effects so many things: how you feel, how you treat others, how you interpret updates, situations, events.
A major cause of stress in our world is when people feel the pressure of unfinished tasks- the daunting, never ending to-do list looming overhead and pressing downward upon you. No doubt avoiding the responsibility is the easiest response.
If you have a busy life, run a business, have kids, or are engaged in a project, then you know that feeling, where the list is so long that all you want to do is put it off.
There is a strategy that has been called "the vital 5" where you can organize your efforts and reduce that stressful feeling.
The magic of the vital 5 is it works, it increases productivity by increasing effectiveness. It means you have less to stress about because you have less unfinished tasks-you actually make headway. It gets you focused on the real priorities.
How does it work?
When we are stressed it's very common to avoid the heavier and usually more important tasks. We may stay busy with little tasks but we are not being effective towards our actual goal. The vital 5 is simply a list you make everyday of the absolute most import 3,4, or 5 things you need to do that day.
Doing less to be more productive?
A shorter list may seem less productive, and maybe that's true, but if it guarantees you are getting things done that you would normally avoid, its an obvious choice. Getting the important, intimidating, or complicated things completed means an increase in productivity. Just take a moment and imagine how this solution minded approach could transform the next month of your life by allowing you to tackle the real priorities in your life, your job, your family.
A bonus tip:
I remember when I stumbled upon the concept of the vital 5 out of sheer determination to stop procrastinating. I had some crucial projects to finish for my business that were becoming more and more painful to think about. I normally draft a to-do list to get organized, but this time I made a different type of list. I wrote at the top of an index card "I'm not working on___" and then I wrote out the three things I had been putting off. Doing this made me realize I was afraid to work on them and that I didn't know where to start- that's why I was putting them off. Making a list like this helped me get honest and focused. I made up my mind I would finish those tasks come hell or high water.
It taught me an important lesson:
When projects look intimidating the key is to find out how to make them appear more do-able to you.
Don't spend any more time in the wallows of anxiety about projects, tasks, and chores. Get clear on the 3-5 most vital things, and prioritize those. Do this everyday and transform yourself, your business, your family, and your dreams!


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Star Linen & Supply Announces Exclusive Distribution Agreement For Innovative Eco-Friendly Product
Star Linen & Supply has announced the development and release of a new innovative eco-friendly textile product. It is truly sustainable by virtue of its patented manufacturing process and the ability to eliminate carbon footprints while supporting a healthier environment.
Through a proprietary process and an exclusive distribution agreement, Star's Marquis Green line of terry products are manufactured in a state-of-the-art zero discharge facility that produces no emission of effluents into rivers and streams. These products are also manufactured from pre-consumer regenerated cotton thereby eliminating the need for land, water and pesticides.
The eco-friendly recycling certification is defined by the use of the pre-consumer cotton waste and cutting scraps (obtained from a closed-factory environment); GOTS certified dyes and detergents that are reusable, organic or biodegradable; and the exclusive use of 98% recycled water. All factories are WRAP certified. Additionally, Star is currently developing a resource recovery program (RRP) that insures product regeneration upon completion of product life expectancy.
Marquis Green terry products are without question the most eco-friendly available in the industry today," said Joe Haughey, vice president of sales of Star Linen & Supply. "As an added benefit these products are offered at extremely competitive price points on par with current traditional institutional terry products."
For additional information, please contact Joe Haughey at 800-782-7999 ext. 230 or email@example.com


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Nice collecation
As seasons change, so do trends. It is time to ditch your summer fragrances and hit the store to find the spiciest fragrances to don this winter. Whether you buy perfumes online or in store, this list will help you find the perfect fragrance to suit your style and personality.
The very sophisticated scent from Carolina Herrera is a part of her signature collection. Perfect for the urban chic woman, the captivating fragrance is easily discernible because of its unique blend of fresh scents such as White Lily and Gardenia with undertones of Sandalwood and Musk. This winter, make a lasting impression with this heady aroma that will surely become your favourite.
Calvin Klein One Shock EDT for Women
The first thing that will draw your attention is the unusual packaging of this perfume. Go beyond and the scent will draw you in. Calvin Klein perfume launched 'One Shock' for Him and for Her after the massive success of their unisex perfume. This scent is an impressive combination of tangy notes from passionflower and poppy, sensual notes from jasmine, chocolate and blackberry, peppered with patchouli and musk undertones. It is not often that you will find such layered fragrance that keeps your senses happy.
Yves Saint Laurent Opium Perfume for Women
The name, the packaging and the bottle all create an air of mystery and magic, as intended by the creator Yves Saint Laurent. The red and golden colour scheme is a tribute to the oriental fragrances and inspiration taken from the East. The lingering scent left behind is exotic. As you take in the fragrance, you will first experience the striking scent of mandarin and bergamot, the next wave of scent combines myrrh and jasmine, ending the experience with notes of sandalwood and cedar wood.
Polo Red Eau De Toilette for Men
Staying true to the name, the Polo Red fragrance for men consists of multiple fiery notes. Ralph Lauren perfumes has produced yet another winner in this category. The long lasting and heady scent is complex with the beginning notes of grapefruit and lemon, middle notes of lavender, red saffron and sage, and ending notes of coffee and hot ember. The distinct smell is a blend perfect for men looking for an energetic scent.
Paco Rabanne 1 Million Fragrance for Men
This fragrance for men from Paco Rabanne is the ultimate choice to project an aura of confidence. The golden packaging and the perfume bottle looks straight out of a James Bond movie, making it a perfect gift for the man in your life. The crafters of this fragrance have created an interesting combination of blood mandarin, peppermint, cinnamon, and leather accord. It is a treat to smell the complex fragrance, which amounts to the perfect symbol of masculinity.
Giorgio Armani Code
Giorgio Armani perfumes are as famous as their apparel. Their fragrances are strong, fresh and irresistible like the men they cater to. Armani code is a great pick for men who love to stay in the limelight. Featuring top notes of lemon, bergamot; middle notes of olive blossom, star anise, guaiac wood and base notes of leather, tonka bean and tobacco this one is as manly as a perfume can get. This spicy scent will surely warm up your winters!
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Increased demand for high performance connectivity is leading the Oil & Gas industry to standardize on fiber optic based connectivity, including subsea fiber for offshore platforms. The course explores various technical considerations in designing a fiber optic system for these special applications; as well as the commercial, operational and maintenance considerations involved for the enterprise.
Discussion points include:
- Background of Submarine Fiber Connectivity
- Connectivity Options
- Risk Assessment
- High-Level System Design
- Project Permitting and Environmental Assessments
- Operations and Maintenance
The course concludes with a summary of how the subsea cable industry can address the unique requirements of the offshore market, wherein communication services are an ancillary function rather than a primary objective of the customer's business.
Principal Instructor, Principles of Offshore Oil & Gas Submarine Telecoms
Greg Otto, Senior Project Architect
Greg Otto received a BSEE from the University of Iowa in 1991 and specialized in telecommunications including fiber optics. During college, he worked at Union Pacific Railroad in their telecommunications department. In 1991, Greg started with Shell Oil in the United States and did multiple fiber and copper cabling projects in their US refineries and chemical plants and was the Shell representative on the Aries project looking at advanced communications systems for oil and gas. In 1997, Greg co-founded New Frontier Consulting, Inc. and continued working on telecommunication and network projects in the oil and gas, education and health industries. In 2000, Greg started with BP and started working on a project to deploy fiber in the Gulf of Mexico. This finally culminated in leading the project and commissioning of GoM Fiber in 2008. Since then, Greg has led the development of third party usage agreements on GoM Fiber, actively participated in an Angola project that evaluated deployment of fiber similar to GoM Fiber, developed strategies to use submarine fiber more effectively and supported fiber projects in other regions around the globe.


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Don Juan, Complete: English Bards, and Scotch Reviewers; Hours of Idleness; The Waltz; and All the Other Minor Poems
Proprietors of the English Classics, 1826 - 574 pages
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arms beauty beneath better blood breast cause dark dead dear death doubt earth eyes face fair fall fame fear feel fire give glory grow half hand hath head heard heart heaven hero hope hour human Italy Juan kind knew lady land late least leave less light live look Lord mean mind moral Muse nature ne'er never night o'er once pass passion Perhaps praise present rest rhyme rise round scarce seem'd seen shew sigh sleep smile sometimes song soul sound spirit strange sure sweet tears tell thee there's things thou thought true truth turn twas voice wave whole wind wish young youth
Popular passages
Page 51 - Man's love is of man's life a thing apart, "Tis woman's whole existence; man may range The court, camp, church, the vessel, and the mart; Sword, gown, gain, glory, offer in exchange Pride, fame, ambition, to fill up his heart, And few there are whom these cannot estrange; Men have all these resources, we but one, To love again, and be again undone.
Page 120 - Ah ! no ;— the voices of the dead Sound like a distant torrent's fall, And answer, ' Let one living head, But one, arise, — we come, we come ! ' Tis but the living who are dumb.
Page 121 - But words are things, and a small drop of ink, Falling like dew, upon a thought, produces That which makes thousands, perhaps millions, think...
Page 119 - Salamis; And ships, by thousands, lay below, And men in nations; — all were his! He counted them at break of day — And when the sun set where were they?
Page 120 - Must we but blush?— Our fathers bled. Earth! render back from out thy breast A remnant of our Spartan dead! Of the three hundred grant but three, To make a new Thermopylae! What, silent still? and silent all? Ah! no;— the voices of the dead Sound like a distant torrent's fall, And answer, "Let one living head, But one, arise,— we come, we come!
Page 120 - On Suli's rock and Parga's shore Exists the remnant of a line Such as the Doric mothers bore; And there, perhaps, some seed is sown The Heracleidan blood might own.
Page 13 - I want a hero: an uncommon want, When every year and month sends forth a new one, Till, after cloying the gazettes with cant, The age discovers he is not the true one: Of such as these I should not care to vaunt, I'll therefore take our ancient friend Don Juan — We all have seen him, in the Pantomime Sent to the devil, somewhat ere his time.
Page 546 - WHEN we two parted . In silence and tears, Half broken-hearted, To sever for years, Pale grew thy cheek and cold, Colder thy kiss ; Truly that hour foretold Sorrow to this. The dew of the morning Sunk chill on my brow — It felt like the warning Of what I feel now. Thy vows are all broken, And light is thy fame ; I hear thy name spoken, And share in its shame. They name thee before me, A knell to mine ear ; A shudder comes o'er me — Why wert thou so dear ? They know not I knew thee, Who knew thee...
Page 555 - Here's a sigh to those who love me, And a smile to those who hate ; And whatever sky's above me, Here's a heart for every fate. Though the ocean roar around me, Yet it still shall bear me on ; Though a desert should surround me, It hath springs that may be won.
Page 121 - Trust not for freedom to the Franks— They have a king who buys and sells; In native swords, and native ranks, The only hope of courage dwells: But Turkish force, and Latin fraud, Would break your shield, however broad. Fill high the bowl with Samian wine! Our virgins dance beneath the shade...


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3rd Class History
I walked to St Patrick's Cathedral with my class, Ms Neenan and Ms Kelly. We were joined by our tour guide. We talked about stained glass windows and how much we knew about St Patrick. Then we moved on to talking about the Butlers and the Fitzgeralds. How they were having a big fight for no big reason. Gerald Fitzgerald did not want to fight anymore so he got an axe and cut a hole in the door and put his hand in and said to the Butlers that if they did believe him to shake his hand but if not they could cut it off! Thankfully they shook hands. That is where the phrase "Chancing your arm " comes from.
After that she told us about Johnathan Swift and how he would talk in the cathedral for 4 hours and when people fell asleep he would whack then with a stick!!
We then made stained glass windows using plastic, glue and coloured crepe paper. In groups of six we picked a topic. Ours was Halloween and I did a big pumpkin.
By Molly-3rd Class


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31 May 2006
After a long stint on the road in southeast Arizona and Mexico, I am back at home in Ithaca. The filming and recording trip was very successful with many great new additions to the archive. Here is an image to celebrate my return. The Montezuma Quail...continuing a string of Fuertes images on the blog. A fitting bird to celebrate my return as this species eluded me on the three week journey. Another wonderful reason to return to southeast Arizona again in the near future.
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"During 2008, total nonfarm employment declined by more than 2.5 million and the sharp declines in the Employment Trends Index suggest that in 2009 this number could grow by another 2 million," said Gad Levanon, Senior Economist at The Conference Board. "The continued deterioration in the Employment Trends Index signals that no turnaround in the labor market is to be expected in the near future."
The Conference Board Employment Trends Index (ETI)™ fell further in December. The index now stands at 99.6, decreasing 1.6 percent from the November revised figure of 101.2, and down almost 16 percent from a year ago.
Source: The Conference Board press release.


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Google Temporarily Bars Ads From Addiction Treatment Clinics
Following a report that the platform is being used for shady referrals by rehab clinic broker, Google has temporarily disallowed advertisements from addiction treatment clinics.
The global ban came after the Sunday Times reported last week that their undercover investigation showed that the Internet search giant had been allegedly profiting from the plight of addicts.
(Read: Google Makes Millions From Plight of Addicts)
The Sunday Times claimed that Google has been "profiting from a practice banned in America in which brokers secretly reap millions of pounds from vulnerable people seeking treatment for addictive diseases in the UK."
The media outlet said Google charged the referral agents as much as £200 or 270 U.S. dollars for each click-through.
The brokers, according to the Sunday Times also, advertise themselves as free advice helplines and can afford Google's pricey ad rates because they reportedly get as much as £20,000 as a monthly commission by referring even just one caller to a private rehabilitation facility.
Following the report, Google banned ads from the rehab clinic brokers in the U.K.
(Read: Google Cancels UK Ads From Shady Rehab Clinic Referrers)
Google Statement
On Sunday, Google announced the ban on treatment center ads in a statement issued to TechCrunch:
Google said: "Substance abuse is a growing crisis, and even as we've helped healthcare providers connect with people who need help, unfortunately, there's also been a rise in deceptive practices from bad actors taking advantage of those in need."
Describing the issue as a complex one "with varying degrees of regulation in different countries," the company said it decided to stop ads in the addiction treatment center category on the platform.
Google also said it is consulting with experts to come up with a "better way to connect people with the treatment they need."
Treatment center ads were stopped in the US in September last year, after a Verge report about the referral practice.
What's Next?
Google has imposed a temporary ban on addiction center ads globally following reports of questionable referral transactions.
What can you say about the company's move? Share your thoughts below.


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Anne Hathaway And Rebel Wilson Meet Their Mark In "Hustle" Trailer
Last year, Anne Hathaway found herself embroiled in a mega-heist along with Sandra Bullock and Cate Blanchett in Ocean's 8. This year, she's out to land a big fish when conning the opposite sex in The Hustle. But in order to snare her mark she teams up with Rebel Wilson to get even with the men that wronged them both. Arriving in theaters at the start of summer, May 10th, Hathaway and Wilson look to turn Dirty Rotten Scoundrels (Michael Caine and Steve Martin) into "Dirty Rotten Femmes."
MGM has debuted the first trailer.
Chris Addison (TV's Veep) directs the comedy that also stars Tim Blake Nelson, Alex Sharp, Ingrid Oliver, and Emma Davies.
Tags: Anne Hathaway, Chris Addison, Dirty Rotten Scoundrels, Rebel Wilson, The Hustle, Tim Blake Nelson


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Life mathematics at the mNACTEC
SAMPLE OF THE ACTIVITIES HOLD AT mNACTEC, Terrassa
"Let's Do Mathematics" at mNACTEC
Saturday 28 May 2011 - Catalan students who had been selected for the final phase of the competition, "We Do Mathematics" (organized by Feemcat) visited the exhibition at mNATEC. The message that led them to the exposition had been encrypted, which was one of the challenges they had to overcome, using cryptography.
You can view images at Photo Album
Workshop: Creation of Didcatical Activities
A series of workshops for teachers have been delivered both in the museum and on-line.They were included in the Permanent Training Plan of the Education Departament of the Generalitat of Catalunya.
The main goal of the workshops was to provide ideas and resources which could be used to prepare activities for the students in such a way that they discovered the different kinds of mathematics which we encounter day-to-day. Ask your questions and find out some answers!
Forum: "Mathematics in Children's Lives"
On Saturday November 26 a forum was held at mNACTEC: "Mathematics in Children's Lives". The main activity was the presentation of cases from primary schools, with a good level of participation!
The activity has been well received by the public, whose participation we always appreciate!
Conference: Mathematics in the lives of young people
Saturday December 17 - A seminar was held to help with the teaching of mathematics to young people. The conference's various activities were especially aimed at secondary teachers.
Workshop: Mathematics of life in the classroom
Teachers from primary schools presented new activities they have designed for students to help them appreciate the role of mathematics in their life.


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A protest rally will take place on Friday June 21 due to inaction over the Horowhenua Expressway, Otaki MP Nathan Guy says.
"The protest will begin at midday, and start at Levin's village green. It gives protestors a chance to be heard as the rally walks down Oxford Street.
"I feel for the many residents and local businesses that have been left in limbo since NZTA announced its preferred corridor in December last year. Since then, nothing has happened.
"They feel paralysed by inaction and uncertainty. Some have told me it's impacted on their mental health. Effectively their lives are on hold for years - especially if NZTA stall the approval process due to a lack of funding and priorities.
"Only a handful of houses have been purchased and the Government has said it won't purchase any more properties until RMA approvals have been granted. This is hugely disappointing and unfair as I understand the RMA approval process has stalled.
"The process needs up to $20 million to proceed and it's clear this Government isn't interested in roads so I'm hearing NZTA won't allocate the money to do the necessary paperwork.
"The so-called 'Wellbeing Budget' has done nothing for these affected residents and Labour has let Levin down. They've raided $5b from the state highway budget for trams in Auckland and to make matters worse motorists are getting clobbered by another fuel tax hike of 4 cents/litre next month.
"Making the Horowhenua expressway four lanes should be a priority as the existing SH1 has claimed 11 lives in the past five years and seriously injured another 43, but these horrendous statistics seem to have fallen on deaf ears.
"It makes sense for the heavy machinery currently in Otaki to just move up the road in 2021 and begin construction. Otherwise it's a massive lost opportunity.
"When Transmission Gully and the Pekapeka to Otaki expressway opens in 2021 Levin will have the worst congestion in the North Island and motorists will be furious.
"I invite the community to join the protest rally this Friday and hopefully hear from NZTA. It's a good chance to send a strong message to the Government and NZTA that we need funding and approvals confirmed now - not more uncertainty, congestion and fatalities."


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Lane Bryant Women's Wicking Woven Active Skort 18/20 Black
Available in Plus Size. This LIVI Active skort keeps up appearances with its mesh trim, but the built-in short keeps you on the move. Two pockets. Exposed elastic waistband. With wicking technology: supportive stretch and fade-resistant, moisture-wicking and quick-drying fabric. Item Number #241318, Length: 19.25, Machine Wash, 86% Polyester/14% Spandex, Imported Plus Size Activewear
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He made the remarks in reaction to comments made by the officials of certain Western countries as well as a request by the United Kingdom and France for a meeting of the UN Security Council to discuss the Islamic Republic's missile program. As Washington, D.C., moves forward with a bevy of new sanctions on Iran, some European allies have continued to balk the USA administration, seeking avenues to preserve the nuclear pact and ensure economic ties with Tehran remain open.
In this sense, Saturday's launch was in tension with United Nations Security Council 2231, which oversaw the implementation of the 2015 Iran nuclear deal and separately "called upon" the Islamic Republic to avoid work on all weapons that are created to be capable of carrying a nuclear payload. "Iran's continued testing and proliferation of ballistic missiles shows that the Iran deal has not moderated the Iranian regime as some had hoped".
After the United States disclosure, Iran admitted to the test, saying that it would continue testing ballistic missiles, but denied that it was violating the resolution.
Hook said USA discussions with the Europeans about missile sanctions are gaining traction.
Pompeo is expected to raise the issue of Iran's missile activity during meetings Monday and Tuesday with European officials.
It further noted that the United States unlawfully quit the nuclear agreement, and is in absolute violation of UN Security Council resolutions.
"If the Security Council is serious about holding Iran accountable and enforcing our resolutions, then at a minimum we should be able to deliver a unanimous condemnation of this provocative missile test", said Ambassador Haley.
Shekarchi said such activity "is outside the framework of [nuclear] negotiations and part of our national security, for which we will not ask any country's permission".
The alleged test comes amid heightened U.S. pressure on Iran, as well as repeated attempts by United States officials to persuade its European allies to stop doing business with Tehran in line with renewed USA sanctions on the country, which came into force on 4 November.
"There is no legitimate reason why Iran should flout the resolution and why their spokesman should pretend that the resolution doesn't call on them not to develop such missiles", Pierce said.
Those US sanctions have targeted Iran's critical oil sector, as well as several major Iranian banks and other industries.
"We would like to see the European Union move sanctions that target Iran's missile program", Hook told reporters.
Tehran has never planned to and will not make missiles that are capable of carrying nuclear warheads, the Iranian Foreign Ministry's spokesman said Wednesday.
However, diplomacy with Iran is highly sensitive for the European Union because Brussels considers the 2015 pact to stop Tehran from developing a nuclear weapon as the bloc's biggest foreign policy achievement in decades and does not want it to collapse.
Netanyahu made an unexpected trip to Brussels on Monday afternoon for the meeting with Pompeo, who is in Belgium for talks with North Atlantic Treaty Organisation counterparts.
Pompeo's speech came as NATO foreign ministers meet to discuss the latest tensions with Moscow after a naval clash between Russian Federation and Ukraine and with a landmark Cold War arms control treaty hanging by a thread.
This pressure, together with more broad-minded pressure from the White House, may serve to amplify the "cracks" that Fox News reported to be showing in the "Iran deal coalition" on Tuesday. "This is the most important thing that we must do and the government is putting forth all its efforts on this issue".


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This was created by my good friend and talented photographer who goes by the name The Feisty Sushi. I had a blast moving around the space but had no idea what he was going to do with all the images.
Behold - the finished product. I love this video and hope you like it as well.
You can view his blog at http://feistysushi.blogspot.com/


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Automated Stockroom
Instant gratification for employees to select their own devices and consumables. Free up IT resources by automating distribution of equipment your teams need. Dispensing IT assets and other peripheral consumables to authorized users from stockroom. Without this automation, each device costs $75 to $125 overhead to order and distribute.
24/7 Help Desk Service
Turn-in broken assets for repair. Check-out loaner assets. Automatic creation of ServiceNow request tickets, asset tracking and routing for approvals. Turn-in broken laptops and other assets for repair & check-out charged & imaged loaner assets. Six asset capacity lockers recharge power and enable network updates to laptop configuration.
Physical Asset Control
Convenient check-in and check-out of hand-held assets needed for the day. Enable governance and positive control of devices used by employees, patients and customers. Check-in & Check-out smart phones, tablets, hand-held scanners and other personal devices for shift-work. Twenty device capacity stockroom recharges equipment and tracks positive physical control.
Built native on ServiceNow Platform
Companies are already investing in ServiceNow to track assets, request new assets and maintain inventories of ownership. However, without physical control governance and compliance cannot be certified.
Black Hills software automated stockroom app has extended the native stockroom object functionality in a scoped app on ServiceNow. Each physical stockroom is represented as an automated stockroom in ServiceNow. When an employee selects a device that they need using the catalog in the portal, then ServiceNow workflow will identify automated stockrooms where the product is available. If an employee is at a stockroom kiosk, then they can access and browse the catalog of items that are on that stockroom and select one for dispensing.
While it may normally otherwise take a few days to receive a device requested through ServiceNow, the automated stockroom app enables approval workflows and authorization verification and then delivers the device instantly. The automated stockroom app allocates the delivered asset/device to the authorized recipient or reserves the asset/device in the stockroom record until it is distributed. For check-in and check-out of assets and devices using lockers; the ServiceNow app and functionality is largely the same.
By leveraging the ServiceNow platform we are able to provide unmatched functionality in the automated locker, parcel and vending industry, our software is native to ServiceNow and so it leverages the investments companies have already made in the platform. Our objective is to help extend and enable the ServiceNow capabilities by delivering point solution software based on our years of experience working and developing technology solutions to solve businesses problems.
We partner with large scale kiosk, locker and vending machine manufacturers who provide customers who purchase our app with custom and standard hardware which integrates with our software. We also partner with select white-label large scale field service providers who enable a personal touch and white-glove experience at customer locations across North America.


text: Great SelectionAmerica's Carpet Barn has a wide selection of the highest quality products, including: carpeting, laminate flooring, vinyl/resilient, wood flooring, that can put the perfect finishing touch on any room. Conveniently located in Traverse City, MI, America's Carpet Barn has an experienced and knowledgeable staff who will help you through every stage of selecting the right product for your home or office.Quality BrandsAmerica's Carpet Barn is dedicated to quality and getting the job done right. Click Here to learn more about the quality brands that America's Carpet Barn has to offer. Some of the more popular brands they carry are: STAINMASTER® Resilient Flooring, Armstrong Vinyl Tile, STAINMASTER® Fiber, Swiss Krono, Fores Floor Hardwood, STAINMASTER® Carpet, among others.Friendly ExpertsWhether you need a new carpeting or laminate flooring or vinyl/resilient, their friendly experts will help you find exactly what you need to fit your lifestyle, home decor, and budget. They will consider the area to be decorated, the type of traffic (Kids? Pets?), lighting, colors, and other factors to create a stunning decor. Go and visit their Traverse City showroom at 883 US 31 South to see, touch and feel the latest styles!Helpful InformationVisit their help center to find "how to" information, decorating tips, cleaning instructions, educational links, FAQ's and more. Some of their more popular links include: Handyman Chip Wade Installs Mohawk Hardwood Floor,, The Best Moments from Ricko the Rhino, Mohawk SmartStrand Durability Challenge, Environmental Benefits of Wood Floors, and numerous others.Current NewsCheck out their news page to read current articles about laminate flooring, wood flooring, carpeting, wood flooring, vinyl, resilient, laminate flooring, carpeting, vinyl, resilient, wood flooring, carpeting, vinyl, resilient, vinyl, resilient, carpeting, laminate flooring, vinyl, resilient, wood flooring, laminate flooring, carpeting, vinyl, resilient, wood flooring, laminate flooring. Some of their latest news includes: What's the difference between linoleum and vinyl flooring?, Ultimate Guide to Hardwood Flooring, Ultimate Guide to Laminate Flooring, and other timely articles. Click here to learn more about America's Carpet Barn.4.79 Rating - 255 Reviews - 95% A


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Let's get straight into this week's mentions:
World Mental Health Day
Laura over at Laura Babb Photography has written a beautiful post about that fact that it is World Mental Health Day today. I can't write anything better than she did so just go and read it already.
Winning cakes
Did you watch the BBC's Great British Bake Off? I did! Throughout the final episode I changed my prediction about who would win 10 million times, it was so close! Jo won (hurrah!) and she shares her winning recipes over at her blog, Jo's Blue Aga. Go! Go! Go!
source: Jo's Blue Aga
Wonderful Wallpaper
I found this next mention in the latest edition of Mollie Makes. PaperBoy Wallpaper is the brainchild of Victoria Cramsie, who designs wallpaper with a twist. I want to be a kid again just so I can have her hand-made wallpaper:
source: PaperBoy Wallpaper
She has a tonne of other designs, I really like D'ya-think-e-saurus and Animal Magic. What's your favourite?
Embroidery love
I've got the hoop, floss and needles out once more and have been keeping myself busy sewing up some treats. As always I've used Sublime Stitching templates and have two designs on the go:
This lovely little pin-up, who is almost complete and this cute pup who is waiting for me very patiently:
I'll post photos when they're both complete!
Tom Lovell
I have recently discovered the wonderful illustration of Tom Lovell. Michelle from Scissor Quirk shared some of his work on her blog last week and I loved every illustration she shared! This one is my favourite though:
Source: Tom Lovell via Scissor Quirk
It is definitely a cheeky illustration, love it!
Bespectacled Brides
We rock. Trust me. See below fr poof (if you needed any).
Source: Olive Juice Studios via Beyond Beyond
So there we go! What was your favourite Monday Mention? Have you got something else to share with me?


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Moving is life's most stressful experience. Yet everyday is moving day for us and we always look for ways to make your move easier. Our careful and reliable team will make your next move the best move
Very efficient. Did a great job fitting everything in the truck. Recomend
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Great movers. Very professional.
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Great team to work with!!!
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(Reviewed on 08/01/2018)
Katherine D. | Davis, CA
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These guys worked hard today. Thank you for all the hard work!
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They were a great couple of guys. Positive outlook and a pleasure to be around.
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both guys were friendly and quite experienced at their job. 2 really nice guys. would not hesitate to use them again.
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These guys were great, very friendly and fast! And very careful, and didn't mind last minute changes. Would recommend anytime!
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Antonio and Chris Assisted my professional movers from United with my move! Worked well with the other team, professional, courteous and fast. Would definitely recommend.
Pamela B. | Sacramento, CA
(Reviewed on 07/15/2018)
(No photos available.)


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