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Our genome is the inherited record of what makes each of us unique. Personal genomes are large and complex, but they are readily measured and permanently associate with the individual. By comparison, human cells, tissues, and commensal organisms are more difficult to define. They show context-dependent, time- varying, and collective behaviors that complicate analyses at a population scale. Human disease states are even more challenging, in that it is often difficult or impossible to go back and examine the cell, tissue, or microbial physiology of the individual before the onset of disease. Connecting human variation to multi-cell function is fundamentally important to society in multiple ways. An explanatory and predictive understanding will empower individuals to appreciate how their genotype relates to potential phenotypes. It also will enable drug companies to identify precisely the patients most likely to respond to their therapies. Individualized "precision models" may one day expand the definition of wellness to include omics-scale inferences of biomolecular and cellular function.
Precision modeling has become feasible to consider as the most-relevant tools, resources, and innovations begin to converge. There are now many publicly available omics datasets on diverse human populations. Patient-derived cells are widely banked as human organoids or induced pluripotent stem cells (iPSCs). A path toward generalized predictions has been paved by systems-modeling approaches in bioengineering and machine-learning techniques in computer science. What is lacking is a convergent, trandisciplinary effort by a team of biologists, clinicians, omicists, informaticians, and engineers focused on a singular goal: precision multi-cell modeling.
Viewed as an engineered system, precision multi-cell models appear intractably complex, seeking to predict complex outputs from complex inputs with a difficult transfer function in between. The odds of identifying a single biomarker that directly maps to output (e.g., cholesterol → cardiovascular risk) are vanishingly small. Additionally, human-derived material will always be an imperfect avatar of the individual, regardless of that material's technologic sophistication. Instead of aspiring to emulate the complexity of the transfer function, we seek to change the fundamental problem statement into a series of steps that are individually more manageable. In signal processing, this goal is achieved through reversible transforms to a domain in which the transfer function is easier to compute. Analogously, mechanistic systems models provide explanatory and predictive power to move back and forth between molecular-level variations and specific multi- cell phenotypes. Gaps in mechanistic detail can be filled by statistical and machine-learning approaches to achieve input-output predictions based on quantitative data. By leveraging computation in all its forms, standardized organoid or iPSC platforms become the transfer function for Precision In Silico-Cellular Engineered Systems (PISCES) models that encode industrially or societally relevant inputs and decode individually relevant outputs.
The PISCES Center takes an engineered-systems approach to precision modeling (Fig. 1). The foundations for knowledge, technology, and integration equally emphasize computation and experiment with the view that the two must cross-fertilize each other concurrently throughout the Center's strategic plan. The premise of PISCES is that precision models combining population-scale variation with molecular–cellular biology will enable the simplest multicellular experimental system to give meaningful predictions. The PISCES Center will deliver simplified representations—models—of iPSC–organoid variation that are trained on individual exemplars and bootstrapped by computation to capture the population at large. The PISCES testbeds exploit Center expertise in gut, microbiome, and heart (Fig. 1), where sample availability is established and inter-individual differences are well documented. Ultimately, testbed-vetted PISCES models will create industry-grade products for patient stratification and direct-to-consumer products for genome contextualization. The PISCES Center will pursue its long-term vision through the following Research Thrusts:
We assert that an engineered-systems approach is uniquely powerful for pairing theory and experiment toward a predictive understanding of multicellular phenomena related to human populations. The discovery of new fundamental principles will feed directly into our overarching education, outreach, and workforce-development goal—to expand and diversify the pool of early-career engineers who are truly bilingual in the experimental and computational arms of precision modeling.


text: Not So Sacred Anymore: Elnaaz Norouzi What are you currently working on? At the moment, I am shooting for Abhay, which is a V5 original. I have just completed my shooting for Sacred Games 2. Any incident while shooting for Sacred Games you would never forget? My first scene for Sacred Games season one was very special. The scene was with Saif sir and I did not expect it to be one of the biggest scenes already. That was the most memorable day of my acting career till date. I was excited and nervous at the same time. The feeling that whether I will be able to act well alongside such a senior actor was running through my mind all the time. He was really supportive, sat with me and helped me rehearse my lines. Is there any specific way a guy can woo you instantly? It's so hard to woo me that I don't even know myself. But, I think chivalry is something that drives me towards someone. The most sultry pick up line ever used on you. There are a lot but recently somebody on Instagram said, "I have such beautiful lips." I think this is by far the most cheesy line ever used on me by a fan. What is your biggest turn off? Bad smell for sure. How do you balance your personal and professional life? It is very hard to balance the two because our professional life takes so much of time in our lives. But being a really family driven person, I like to schedule my work dates early enough to spend some time with my family and friends. So, it is important to schedule your professional life prior to give enough time to your personal life, otherwise, one tends to get worked up. What would your naughty outfit for a romantic date be? I prefer to wear plunging necklines than shorts or skirts for a romantic date night. "Men only want one thing." Any comments? I believe it's mostly true when they say this phrase. One secret about women that men should know? Men should know that women really like flowers. They should often gift them to the woman they love. One secret about men that women should know? I believe there are a lot of women who barely give their men time and space for themselves. So, to all the women out there, my advice would be to start giving space to your beloved to keep your relationship happy and healthy. Who would you choose: A husband who is a great cook or a husband who is good in bed? There are no two thoughts about this one. I would definitely choose a husband who is good in bed and rather hire a cook for me. Would you rather watch 50 Shades of Grey, or read it? Why? I have watched the film and read the book too. However, I liked watching more because it's good to see how movie makers can turn such a book into a movie which will not look like porn. What is one drunk incident that you sorely regret? I was very young, so I threw my drink on the girl who was hanging with my boyfriend. That was the old me who does not exist anymore.

subset: commoncrawl


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Like Moon Dust, The Secret Life of Henrietta Lacks is a book where the author/narrator is a character. By the end of the book, you know Rebecca Skloot almost as well as you know Henrietta Lacks or her family. Most of the time this works really well – it is, after all a personal story. The only time I thought that it didn't work as well was near the beginning, when Rebecca is detailing her erratic, apathetic education. I understand why her initial exposure to HeLa and Henrietta's identity is important, but the rest of it seemed a bit unnecessary to me. I kept waiting for it to be significant, to be a point of commonality that Rebecca could use, but it never happened.
But that's a minor quibble for a book that includes so much on so many topics. In addition to being a biography of Henrietta Lacks, it's also the story of her family, Johns Hopkins, the medical researchers, and the cell line. It also touches on racism, social inequality, ethics, and education and class. I'm not going to say a lot about the various biographies that are incorporated into the book: they are, after all, the story. But I do want to touch briefly on the wider issues.
The racism issue is pretty simple: would Henrietta Lacks and her family have been treated differently if they were not black? The answer is, sadly, probably yes. I don't think the outcome would have been different: Henrietta's cells would still have been taken, etc., but I think the way they were taken and especially the way her family was treated would have been different. I wish I could be wrong about this; there is of course no way to know.
Tied in with that is the question of social class (which in the US is often tied to race as well as economics and education). I feel fairly certain that the Lacks family would not have been dismissed the way they were if they had been, or appeared, richer and/or more educated.
Which brings me to the next thing I noticed: the assumptions that come with education. It's something that I am often very guilty of. When you're surrounded by something when you've spent years learning about something, you forget that not everyone has. You assume that the basic ideas and vocabulary of your subject are common knowledge, and you forget that there was a time when you had to learn them too.
This is what happened with Henrietta Lacks's family. Most of the researchers who contacted the Lacks family (for DNA samples, for example) or whom the family contacted for information assumed a base level of understanding that the family didn't have. If that basic understanding of a field isn't there, the rest is gibberish and there's nowhere even to start asking questions. It wasn't until someone took the time to make sure that the family understood the basics that they could move on and process what had happened.
The last thing – and the most controversial thing – that's brought up by this story is the ethics of tissue collection. What sort of rights does or should a person have over cells that are no longer a part of their body? What sort of information should someone be entitled to if, like Henrietta, their cells prove to be useful or unusual? What responsibility do researchers have to follow up with patients or their families? There are no good or easy answers that can balance the rights of researchers with the rights of patients.
The Secret Life of Henrietta Lacks is an incredibly well-researched book. There are points where, to me Rebecca's story seemed a bit intrusive, but overall the stories it tells and the issues it raises help it live up to every glowing review.


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The main event this week is the AIPAD Photography Show in New York. Over the course of four days, galleries from around the world will exhibit high-caliber fine art photographs, both new and old. What's more, it's the show's 30th anniversary, so the AIPAD has many events and discussions planned (visit the site to learn more). Even if you're not in the market to buy a print or two, the show offers viewers an ideal opportunity to see the international pulse of photography right now.
Above is a photo by Jen Davis, whose introspective self-portraits will be available at the Lee Marks Fine Art booth.
—Lindsay Sakraida
Follow the links below for details about this and more photography events.
(Photo: © Jen Davis)


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Please check out more birds from around the world at World Bird Wednesday.
Tuesday, 21 December 2010
Front-Heavy Duck.
Please check out more birds from around the world at World Bird Wednesday.
18 comments:
The Shoveler, that is a beautiful bird, thank you Frank.ReplyDelete
Great captures of a bird i love to watch....ReplyDelete
Good photos and accompanying essay. Boom & Gary of The Vermilon River, Canada.ReplyDelete
Great series of photos...and a beautiful duck.ReplyDelete
Bob, Andrew and Gary.ReplyDelete
Cheers guys .. glad you enjoyed this one.
Wonderful shots. These are my favorite ducks!ReplyDelete
Great captures Frank.ReplyDelete
They're unmistakeable with that huge bill, but lovely birds. Always good to see them.
Love that third shot.
They really are a pretty bird. Very nice shots!ReplyDelete
- Anonymous22 December 2010 at 10:02
Lovely images Frank and they really show off his big beak.ReplyDelete
- Anonymous22 December 2010 at 12:49
I love Shoveleres - but I might never get accustomed to their "strange" beak.ReplyDelete
I've never seen these before but I love their colors! Very interesting bill and commentary.ReplyDelete
Awesome shots of these guys... But I must ask... where are the ladies??ReplyDelete
Great series! I also took some time to check out your Dragonfly photos on your side bar, really cool! Thanks for a very informative adventure!ReplyDelete
Great images of an equally great looking bird Frank!!!ReplyDelete
Lovely pics of the shoveller Frank, LindaReplyDelete
Thanks, Frank. I ddn't know any of that before. We don't see too many Shovelers here. Great pictures, really shows why they are called that way.ReplyDelete
Gorgeous birds! The beak is something else!ReplyDelete
Carol. Thanks.ReplyDelete
Cheers Ryan. I also enjoy watching this species.
Keith. Thanks, it was great to get some closer shots at long last .. they usually disappear whenever I'm around!
Thanks Mona and Roy.
dreamfalcon. It may look strange but it does what it was designed for.
EmptyNester. Delighted to share something unusual for you.
Jen. I'm really not sure ... probably hiding from the males!!
Springman. Glad you enjoyed the sideshow .. must update it with some recent shots.
Mary HC. Thanks. Definitely a showy duck.
Linda. Thanks very much.
Hilke. Delighted to share some of their mysteries.
Sally in WA. Welcome and thanks.


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Tuesday, May 25, 2010
Somebody bring me a paper bag and a wad of toilet paper, puleez
1 comment:
- Sharon said...
Oh, Mynde -- believe me it wasn't that long ago in my memory either, when I sat at my kitchen table, tears streaming down my cheeks, the deafening sound of silence hitting my ears, and experiencing your first day of school (my first without children-day for 15 years). And yes, you are going to experience the DEAFENING sounds of silence (it also is hurtful).
Ally is fast becoming that teen that's going to make up for all that -- you will probably need that silent time to try to figure her outLOL
And there's little Emmy -- what can I say.
Even Sam is laying his plans for his future --- already planning the kind of Dad he is going to be:) He just shared that with me but I still can't remember the word he used -- it was in the ballpark tho with Batman and Superman.
Hey, I think I finally can leave comments again -- figured out the new Google stuff:)
Love ya.......Mom
- May 26, 2010 at 1:47 PM


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Chapter 4 – Satellites (Launch Your Own Satellite)Posted: March 23, 2013 Filed under: Satellites, ZX Spectrum Astronomy | Tags: Astronomy, Maurice Gavin, Satellites, ZX Spectrum Astronomy Leave a comment
Launch your own satellites
Earth Orbit, put a satellite into orbit about the Earth
Satellite Orbit, how to put a satellite into orbit around any planet.
Launch your own satellites
The launch of Sputnik I by the USSR in 1957 started the space age and added a new word to the common vocabulary — satellite. In the astronomical context, this simply means a moon and our Moon (capital M of course) is the only natural satellite of Earth.
Since Sputnik I, literally thousands of artificial satellites have been sent into Earth orbit. A few have even been sent to orbit other planets like Venus, Mars and our Moon. On a clear night it is now rare for some 30 minutes to elapse before a satellite passes overhead on its silent progress about Earth — a point of light moving quite rapidly on a slight arced course amongst the stars.
The brighter satellites are usually in lower orbits moving from west to east across the sky (never in the reverse direction). The satellites in polar orbits (passing over the north and south pole at each revolution) are usually fainter and almost perfectly aligned to the Earth's axis so that their movement is in a precise north/south or south/north direction.
Launching satellites can cost millions of pounds each so, before applying for a job at Mission Control, Houston, practise on the simulator programs to follow!


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Le Voyage D'olga Josephine the Whale
$30.00 $77.00
Or 6 weekly interest-free payments of $5.00 with Laybuy What's this?714027
Baby Eden Introduces Moulin Roty's Le Voyage D'olga Josephine the Whale.
Le Voyage d'Olga is a collection of delicate soft plush toys embellished with embroidery. Discover Joséphine the blue whale and the geese's kindly friend. This soft toy is made of linen, velvet and embroidered jersey and wears good luck feathers. Josephine can be used as well as a cushion and will adorn nicely the nursery;
Size: 60 cm


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- This event has passed.
Dallas/Ft. Worth Blackhawks/Stars happy hour
Event Description
Are you a forever Chicago Blackhawks fan? Or maybe you've made the switch to root for the Dallas Stars. Or maybe you just want a reason to grab a drink and meetup with fellow Redbirds. Well this happy hour will cover all of that as the network meets up before the game.
Network Leader Susan Nelson-Brown '78 will take RSVPs and will also stay at The Happiest Hour to watch the game for those that don't have tickets. Let her know you are coming!
If you will need special accommodations, please contact the event organizer.


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Eichlers.com blog wrote about the Jewish festival of Shavuot, and the tradition in some Judaica communities to exchange gifts on this holiday. Although Shavuot is one of the few Jewish holidays without any unique mitzvoth in order to observe it, some families exchange gifts during this festival just as the Jewish people received the gift of the Torah.
Today we're going to feature a book that features thirty-eight separate derashot of Rabbi Zvi Dov Kanotopski. Rejoice in your Festivals: Penetrating Insights into Pesach, Shavuot and Sukkot appears to be a great addition to any collection of Jewish books, and promises to provide "new dimensions to our understandstanding and enjoyment" of Shavuot.
From the full description on Eichlers.com:
"At once timeless and timely, many of the derashot were written at historic moments such as the end of World War II and the rescue of Holocaust survivors, the establishment of the State of Israel, and the miraculous Israeli victories against the Arab armies. All of the derashot provide valuable insight and inspiration to help us address the complex challenges we face today as a people and as individuals. "
I highly recommend this to any and all scholars looking to learn more about this wonderful Jewish holiday. And be sure to check out the tremendous selection of Jewish books available at the Eichlers online Judaica store.


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#SaveBella Might Stop Innocent Dog's Euthanization
People have certainly left odd requests in their wills before, but none quite so odd or terrifying as Connie Lay, a woman who died in Indiana last month. Rather than making firm arrangements for her dog's care after her death, Lay stipulated in her will that she wanted to be buried with her German Shepherd, Bella. People often get buried with family members, so including Bella in her family is a sweet thought that shows just how much dogs really are man's (and woman's) best friend. Unfortunately, the will specifies that Bella has to be buried with her now. Did I mention that Bella is nine years old and still decidedly alive?
Fortunately for Bella, the internet is rallying on her behalf via #SaveBella on social media (no, not that Bella; besides, she's technically already dead). The efforts were enough to halt her scheduled euthanizing, which was originally slated to take place this past Tuesday.
Right now, Bella is in a no-kill shelter in Indiana, but her time there is limited. Lay did indicate that she wanted Bella put into the care of an animal sanctuary permanently, but unfortunately it isn't possible because of a lack of funds. Even if money weren't an issue, Bella has been described as "potentially dangerous," to the point where people were unable to enter the home after Connie Lay died because they feared that the dog would attack them.
Bella's fate is still in the hands of Doug Denmure, the attorney in charge of her will. At the moment, he is looking into sending her to Best Friends Animal Society in Utah, but that doesn't seem possible. He emphasizes that that ultimately Bella's fate is his decision to make based on his client's wishes. It is a tragic circumstance, because I am guessing Lay would never have foreseen this complication. I can't imagine anybody would be selfish enough to end the life of their pet for the sake of them being buried together. At this point, more than anything, it seems as if the lack of funds is the problem.
Here are some of the #SaveBella tweets that have hit Twitter. Hopefully the call to action will be enough to start raising funds for her care:
Image: earththreats/Twitter


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CONTSIL-273 and CONTSIL-264(L) are multiple modified silicone, and can enhance the disperse property in water when provide excellent wax feeling. The product has wide application and is suitable for cleaning, polishing and protecting both soft and hard surfaces including floor, furniture, leather, cars and metal. When it is used for leather, it can form protective film on the leather surface, and make leather bright and look new, keep leather smooth and soft with excellent touch feeling. When it is used for wooden furniture, it can make furniture bright and beautiful, protect furniture from chapping, and prolong the service life of furniture.
The differences of CONTSIL-273 and CONTSIL-264(L) is that CONTSIL-273 contains more alkyl, therefore, the solutions of them have different luster and transparency.
Dosage: 3-5% of total amount of product
Technical Indices:
Appearance: light yellow to yellow transparent fluid
Viscosity: 3000-12000 centipoise (25℃)
Content of Effective Substance: 100%
1.Excellent wax feeling.
2.Excellent brightness.
3.Excellent adhesive property, even extension.
4.Easily disperse in water, convenient for using for different products.
Package: Packed in 60kg or 200kg plastic barrel, special package is provided according to client's requirements.


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"Son, the greatest trick the Devil ever pulled was convincing the world there was only one of him." – Marconi from John Dies at the End.
David Wong is the pseudonym of Jason Pargin. David Wong is also a character in John Dies at the End and is our narrator. This book is a mixture of genres; there's some horror, humour and a whole lot of fantasy. I am not sure how to explain this book to you all – even the synopsis on Goodreads isn't that informative – so if this book does spark any interest I would suggest reading a couple more reviews on it.
The first thirty or so pages were difficult to get into, but then I started enjoying it despite the weirdness of everything happening. I didn't know what to expect opening this book so I just went with it and despite my confusion at parts I persevered and found myself surprisingly enjoying it.
The thing with this book, as with any humour really, is that your experience of it depends on what you find funny. As a result of this, John Dies at the End does have some very mixed reviews which I noticed on Goodreads. For the most part, the humour didn't match my sense of humour, although I did have a little chuckle a couple of times near the end.
I am very surprised to say that I liked this book as it is unlike anything I have ever read before. In fact, it is definitely the most weird and bizarre thing my eyes have ever read. As a result of this, John Dies at the End is not a book I would widely recommend unless you are into demon-like creatures and the paranormal. The book did offer some explanations for what was happening, but I didn't feel fully satisfied and have to say that I will not be picking up the sequel to this book.
One thing I did like about this book was the horror aspect. Well, it wasn't at all a pleasure to read because it was a bit creepy for me, but that's what horror is about. Horror is supposed to make you uncomfortable and this book certainly did that at times, especially as someone who greatly loathes spiders.
I would rate this book 2/5 because part of me slightly liked it, but overall the humour wasn't right for me and it was difficult to get into. Furthermore, the title makes no sense.
"There's darkness, yeah, but there's light and it all balances out."
I am sorry that this isn't one of my more detailed reviews. To be honest, after two months I am so relieved to have finished this book and the weirdness of it has left me rather speechless.
Have you read this book? I would be very interested in hearing your thoughts in the comments.


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The Heat Glove interior surface of the palm and fingers are lined with Titanium Slick Skin (TSS) for maximum warmth and dexterity.
TSS also allows for a faster drying time, and no stink left behind. The Heat Glove is ergonomically designed for the perfect fit, and the pre-curved palm minimizes hand fatigue.
The 5-finger model is available in 3mm and 5mm thickness
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ZYMAXID™ ophthalmic solution is a topical fluoroquinolone anti-infective indicated for the treatment of bacterial conjunctivitis caused by susceptible strains.
How we use it: This is a commonly used antibiotic in our office. It is used for bacterial infections involving the anterior portion of the eye.
Supplied: 5 mL size bottle filled with 2.5 mL
Dose: Patients 1 year of age or older: Instill one drop every two
hours in the affected eye(s) while awake, up to 8 times on day
one. Instill one drop two to four times daily in the affected eye(s)
while awake on Days 2 through 7.
Children: The safety and effectiveness of ZYMAXID® in infants below one year of age have not been established. ZYMAXID® has been demonstrated in clinical trials to be safe and effective for the treatment of bacterial conjunctivitis in pediatric patients one year or older
Pregnancy: (Category C) Because there are no adequate and well-controlled studies in pregnant women, ZYMAXID® solution should be used during pregnancy only if the potential benefit justifies the potential risk to the fetus.
Warnings and Precautions
ZYMAXID® solution should not be introduced directly into the anterior chamber of the eye. As with other anti-infectives, prolonged use of ZYMAXID® may result in overgrowth of nonsusceptible organisms, including fungi. If superinfection occurs, discontinue use and institute alternative therapy. Patients should be advised not to wear contact lenses if they have signs and symptoms of bacterial conjunctivitis or during the course of therapy with ZYMAXID®.
Adverse Reactions
The most frequently reported adverse reactions occurring in > 1% of patients in the gatifloxacin study population (N=717) were: worsening of the conjunctivitis, eye irritation, dysgeusia, and eye pain.
Additional adverse events reported with other formulations of gatifloxacin ophthalmic solution include chemosis, conjunctival hemorrhage, dry eye, eye discharge, eyelid edema, headache, increased lacrimation, keratitis, papillary conjunctivitis, and reduced visual acuity.
For additional information and precautions for ZYMAXID® click here.


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Jazzing Up Poetry
April 20, 2010
April 20, 2010
Washington, DC
2007 NEA Jazz Master Phil Woods. Photo by Tom Pich
Years ago, in the ?60s, I came across this book called Now We Are Six .---NEA Jazz Master Phil Woods
The connection between jazz and poetry is strong---probably why both are celebrated in the same month. Jazz musicians, like Charles Mingus, have recorded poetry over jazz music since the ?50s, but none have been as interesting as one of NEA Jazz Master Phil Woods? latest recordings, The Children?s Suite, which uses poetry by A.A. Milne of Winnie the Pooh fame. But it wasn?t easy---maneuvering through the rights issues with the Milne estate proved especially tricky, as Woods tells it in this interview with Molly Murphy for the NEA.


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Browse Carolina's newest lab kits for biology, environmental science, health science and more. Carolina offers the latest in prepared slides, anatomical models, biological displays, living organisms a... Read Morend more. Read Less
Carolina Investigations® for Use with AP® Biology: Origin of Life Digital Resources
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- Celestron® 2000CF Series Microscopes 2 Products $259.00 - $339.00
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We had been in touch with friends we met at 50 Point Conservation area in the summer of 2009 while visiting with the Larry and Marilyn (of the Amazing Vanstones). They had shown us lots of pictures of their previous winter on Stone Island near Mazatlan Mexico where they had travelled with their rv. Discussed this whole issue and had agreed to venture into Mexico with Larry and Mar and check this place out. Well we headed down to Tres Amigos Rv park and met up with Roy and Kathie again. He was not well at the time and had to return to Canada for cancer treatment. But we did get to visit with them for a while and thoroughly enjoyed the three months we had in Mexico.
Met with them again back here in 2010 and kept in touch. A short while ago he sent me a message to see if we knew anyone that would be interested in a blue Ox tow Bar and brake buddy to flat tow a car behind their motorhome. Right away I contacted other friends John and Barb, they made a deal and arranged to have Roy and Kathie drop the package of at our place here at Rock Glen. They only live a short distance away. This was a two fold bonus, saved John and Barb an 8 hour round trip drive and we got to get together with these guys again. Its been 4 years! We will deliver this package next week when we see them.
|Roy and Kathie, looking great
|their dog Lexus, amazing dog, that we played
with on the beach in Mexico
|This is the Brake buddy and tow bar they
dropped off, good deal!
|our grill doing all the work
|yep did the trick today


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November 20, 2012
New Painting in the Works
5 comments:
Great work !!ReplyDelete
It's really interesting to see the stages of your painting process. I love your work!ReplyDelete
- AnonymousMarch 21, 2013 at 10:39 AM
This was so interesting to see the progress of this painting. I loved it. You are incredibly talented. I RARELY go to blogs but was captivated by your work that I saw on etsy this morning. One of your wife's pieces was on a front page of etsy and she has a link to you in her about section.ReplyDelete
I also looked at your website which I really enjoyed and it was easy to navigate and really well laid out. got a chuckle out of your 2013 work :)
well, i am your newest big fan and when i have more time will figure out how to subscribe and all that.
thank you
julie g
- AnonymousMarch 30, 2013 at 7:53 AM
i found you through through a woman in spain on etsy who favorited me. i enjoyed your blog. usually i don't get beyond the first look but your blog intrigued me. make a place for us to subscribe to your blog (or at least i couldn't find it!)ReplyDelete
I read your blog frequently and I just thought I'd say keep up the amazing work! Acrylic PaintingReplyDelete


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Political Advocacy»Political News»News Detail
Richard Markuson
Did IBEW Just Put a Nail Into the C-46 Coffin? In a meeting of the California State Labor Board Legislative Committee - one filled with charges of inexperienced and untrained workers involved with the installation of energy storage systems (ESS) - the Committee instructed staff (lucky them) to craft a proposal that would limit the heretofore unfettered ability of solar contractors to install ESS for only smaller residential projects, and then bring it back to the Committee. C-46, therefore, could install ESS if:
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Price: £25.00
Quantity: 1 available
Book Condition: Good
RARE 1st ed. H/b.Original Fawn cloth boards with green titles and illustration of a salutation to upper board. 190 x 130 mm approx. Frontis + 10 other b/w photographic illustrations on glossy art paper as called for. xii + 90 pp + 8pp publisher's catalogue containing 4 further b/w photographic illustrations from books there advertised. Forward by Amy Wilson-Carmichael. Record of the missionary work commenced in 1890 among the Toda people a Dravidian ethnic group from Tamil Nadu distinguished by the mop of hair worn by the menfolk and ringlets by the women. A title now scarce in its original published format. Good ( General soiling and wear to cloth commensurate with age and spine sunned. The book has recently been re backed by us with a new mull and back strip, the original plain paper end papers and spine retained. Browning to a preliminary blank and corresponding page to rear. NB There appears to be an error in pagination to the prelims or possibly lacking a dedication page and there is an additional copy of the frontis.) Please see our images of the actual book offered for sale.
Title: DAWN IN TODA LAND, A NARRATIVE OF MISSIONARY EFFORT ON THE NILGIRI HILLS, SOUTH INDIA
Categories: Reference, Religion, Anthropology,
Edition: 1st Edition
Publisher: LONDON, MORGAN & SCOTT: 1910
Binding: Hardcover
Book Condition: Good
Jacket Condition: No Jacket
Item: 1.00 Item
Seller ID: 122992
Keywords: C F LING, AMY WILSO-CARMICHAEL, THE TODA PEOPLE, NILGIRI HILLS SOUTH INDIA, MISSIONARY WORK, TODAS, TAMIL NADU, MOUNTAINS DRAVIDIAN ETHNIC MINORITIES, ,


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A Hollywood Christmas: Saturday 12 December, Liverpool Philharmonic Hall, 7.30pm
Programme includes:
Winter Wonderland, Let it Snow, A Nightingale Sang in Berkeley Square, The Lady is a Tramp and more!
Timothy Henty conductor
Claire Martin OBE singer
Tickets £18, £24, £31, £36, £43
Call it nostalgia, call it festive cheer, but you know it when you feel it, and tonight the Orchestra transforms itself into a seasonal time machine, with star vocalist Claire Martin singing the songs of Christmases gone by – the classics, old and new, which still touch the heart at this most wonderful time of the year.
Spirit of Christmas: 17, 19, 20, 22, 23 December, Liverpool Philharmonic Hall, 7.30pm
Christmas begins at home, and as we gather our whole wonderful family of musicians for our traditional Christmas concerts we'd like to invite you into our home, Liverpool Philharmonic Hall, for an evening of festive music old and new. There'll be classic carols and seasonal readings from our host – Classic FM's John Suchet, back by popular demand. Folk star Kathryn Tickell brings the timeless magic of the Northumbrian pipes to the sound of our choruses and full orchestra, and conductor Ian Tracey adds a stocking-full of good cheer. And of course, be ready to join in – because this is a Christmas treat for everyone to enjoy.
Messiah: Saturday 9 January, Liverpool Philharmonic Hall, 7pm
Even Handel couldn't quite believe the popularity of his Messiah – and nearly three centuries on, it's more than just one of the greatest of all choral works: it's a national institution. everyone knows the tunes – Ev'ry Valley, For Unto Us a Boy is Born, The Trumpet Shall Sound, not forgetting the most famous of them all, Hallelujah! As a singer himself, conductor Matthew Best knows Messiah inside out; he'll bring a special insight and understanding to our traditional annual performance of a masterpiece that still sounds newly minted.
Petrenko's Shostakovich: Friday 22 January Liverpool Philharmonic Hall, 2.30pm
Prokofiev Classical Symphony
Shostakovich Piano Concerto No.2
Shostakovich Piano Concerto No.1
Khachaturian Gayane Suite No.3
Vasily Petrenko conductor
Boris Giltburg piano
Sensational'. 'Delectable'. 'Smashing and spectacular'. Critics are running out of adjectives for the young Russian piano virtuoso Boris Giltburg and when he teams up with Vasily Petrenko in Russian music, something very special happens. Don't miss this chance to hear this dynamic duo in both of Shostakovich's piano concertos: the cheerful, romantic Second and the brilliantly witty First. And stand back as Petrenko lights two more Russian firecrackers: Prokofiev's zingy little Classical Symphony, and Khachaturian's high-kicking balletscore.
Dances and Variations: Sunday 31 January Liverpool Philharmonic Hall, 2.30pm
Bartók Dance Suite
Brahms Variations on a Theme by Haydn
Dvořák Symphony No.8
Vasily Petrenko conductor
Dvořák simply couldn't stop writing good tunes, and his Eighth Symphony begins with a hymn and ends with an all-out kneesup. In between, you'll hear birdsong, thunder, village bands and graceful waltzes; folk music turned to symphonic gold, while Bartók gives Hungarian folksong a generous dash of paprika in his fiery Dance Suite. The Orchestra goes back a long way with this music: Vasily Petrenko supercharges it tonight.
There are group discounts are available for most concerts and standby tickets on the day (limited to 2 per person, subject to availability).
For more information go to www.liverpoolphil.com or call the Box Office on 0151 709 3789


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Brelyn Freeman, now Brelyn Bowman, the daughter of Maryland Pastor Dr. Mike Freeman, recently got married. It looked like a beautiful Black society wedding from the photos posted on social media.
But it's not the wedding itself that has people talking. It's what happened before the ceremony. Brelyn decided to give her father a special gift – proof of her virginity, which was confirmed by a signed certificate from a doctor.
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Another one of my favs! Dancing with my first love! ❤ I was able to present a certificate of purity to him signed by my doctor that my hymen was still intact. Also the covenant he gave me when I was 13. When you honor God, your life will automatically honor others! I love you daddy @drmikefreeman
Well, naturally, this had social media in an uproar. Brelyn, currently on her honeymoon with her new husband, Tim Bowman, Jr. remains unbothered by the social media storm. Her father's social media postings are firmly in support of his daughter's action.
View this post on Instagram
Apparently some people on social media are trying to decide if they like or don't like my commitment of waiting/presenting a certificate to my dad. I started to want to explain/go in depth then I looked to my right my husband is swimming in the pool. I looked ahead & saw the Indian Ocean. So while they're deciding I'll enjoy the promises of God for my life! 💋 #MeetTheBowmans #livingmybestdays #mychoicemylife #goodlife
View this post on Instagram
Just so we're clear "everyone is not doing it"! It's possible to have the man of your dreams without sex! As women it's a natural thing for us to want to please our men in every way but is it right? Just because something is easy doesn't mean it's right! We must take a stand & do what's right! If he can't wait for you then HE's not worth it! Know who & whose you are before you allow someone else to define you! Your worth is far above rubies darling! If you know you can't handle being alone after 9, take your cute little self HOME! Why would he buy the car if he can test drive it at will? You're worth waiting for ❤. #ididit #alotofpraying #thiswaitisalmostover
View this post on Instagram
Still enjoying my amazing honeymoon, but just saw this! Only the beginning! Thanks for all your support on social media over the last couple of days! We will continue to push & celebrate our decision. Thank you for helping us push a positive message! If one person has made a decision to wait until marriage or decide to stop & wait we have done our job! Let's make Jesus famous! -Mrs. B #meetthebowmans #purity #livingmybestdays
Do more young women need to embrace a virginity certificate and celibacy before marriage? Or is this just politics of respectability and patriarchal attitudes at work?
Let us know your thoughts!
Persona Non Grata: 7 People Not To Invite To Your Wedding
New Details On Misty Copeland's Upcoming Wedding! Guess What Celebrity She'll Be Related To?
Sneaking A Peek: Should You Do A First Look On Your Wedding Day?
SOURCE: HelloBeautiful.com
Article Courtesy of Instagram, Twitter, Black America Web, and Hello Beautiful
First Picture Courtesy of Getty Images
Second through Sixth Picture Courtesy of Instagram, Black America Web, and Hello Beautiful


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Dear young women of the world….
This blog is for you, all of you, and for me too. It's a place where the thoughts of an everyday 18 y/0 girl are shared; my deepest thoughts, my daydreams, my opinions and some of my most random and crazy ideas.
Life isn't always sunshine and rainbows. Girls can, by nature, be cruel and put one another down. But in fact we should really push each other forward, celebrate the wins and provide support for the failure. (Bit corny but sure pass the cheese! 🙂 )
I'm saying what you're thinking in my posts. The things you think of but might feel too awkward or afraid to say, and I include myself here too (This blog is like a safety net for even me to say things without worrying too much).
There are two layers to conversations; the surface area and the deep stuff. Majority of the time people only engage in the former kind.
So join me for a chit chat about life in general and all the girl problems we face. Hopefully you'll connect with what I'm saying-maybe you might even learn something new or even ponder an idea you never have before. (yes I did just use the word ponder- because I like it is why, it's a fun word- P O N D E R) 🙂
Call me your online agony aunt- too honest Teresa-I don't know where that came out of 😀 , or your modern day Carrie Bradshaw (haha I wish but yes that would literally be amazing!)


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Last week I attended an exciting talk by the journalist David Lida, who for over twenty years has documented everyday life in Mexico, particularly Mexico City, in ways few other writers are able to do (because Lida has both great compassion and serious nerve). During the event, Lida read from the manuscript of a semi-autobiographical novel, and an episode he recounted nicely illuminates an issue I'll be examining centrally on Worlds of Law.
In addition to his career as a writer, Lida has an unusual side job. He works as a "mitigation specialist" for attorneys representing Mexicans in the United States who are facing the death penalty. What this means, in essence, is that he unearths the back-story of people who have been accused or convicted of capital murder to help persuade courts to show them leniency—if a sentence of life without the possibility of parole be can called lenient. In practice, the job requires Lida to travel to humble, sometimes dangerous places and persuade strangers to reveal intimate details about other people's lives: about their friends, parishioners, cousins, brothers, and sons. He then stitches those fading snapshots together into a narrative for American defense lawyers.
It is work that requires moral and physical bravery, a surplus of "negative capability," and a skilled pen.
The reading was hosted by the Beinecke rare book library at Yale, one of the greatest collections of rare books and manuscripts in the world. The building's façade is semi-translucent marble, and a six-story glass tower filled with books shimmers within its main interior, providing a home for mysterious, ancient volumes displayed on shelves like countless gems set in a row. As Lida stood at a lectern, the sunlight shone ever-so-faintly through the rock. These photos are taken from Wikipedia's digital commons:
Lida began by explaining that when he first arrived in Mexico, he found that the majority of great books about the country written by American and English writers—Katherine Anne Porter, Graham Greene, D.H. Lawrence and others—failed to capture the Mexico in which most Mexicans actually live and that he was slowly, gratefully coming to know. They failed to capture the quotidian world of struggle and love that exists behind the doors of modest dwellings cobbled together from found materials, with windows veiled by plastic roller shades and walls decorated with a picture of the Virgin. (One notable exception, he emphasized, was Malcolm Lowry's Under the Volcano.)
What these works typically fail to do, he implied, is to enter sympathetically into the lives of ordinary Mexicans and render their stories artistically in a way that they might present themselves.
Lida was making a criticism about how stories are told—and providing an insight into the ways that approaches to storytelling can hinder or facilitate a cross-cultural encounter.
Strikingly, when he read from his own novel, which bears the working title One Life, Lida told a story of a personal cross-cultural encounter, a conversation between two people, that was framed as an encounter between two legal systems. The novel's narrator is a mitigation specialist who, in the scene Lida read, travels to the fictional town of Puroaire to gather the story of a woman facing a possible death sentence. The sleepy settlement lies in the middle of Mexico's "hot zone"—hot not simply because of the blistering sun but because in recent years it has become a battleground for the country's drug gangs.
After drinking Nescafé from a polystyrene cup in the market square, the narrator seeks out the client's eldest brother. He is a quiet gentleman who has built his home with money earned in fields and dishrooms across the United States, and he is proud. He leads the narrator into the back of the house, away from the ears of his grandson. The gentleman and the narrator sit silently face-to-face in two chairs. There is not much time to establish intimacy. And so the narrator introduces himself to the man whose family story he hopes to gather by cutting to the chase.
Sir, he says, I come from a country in which the state sometimes puts people to death for their crimes.
That's all it takes. With this, the gentleman has a flicker of recognition and is thrown back into memory. He begins to tell the story of his and his sister's life.
For the past two weeks, news media have carried a host of stories—horrific, tragic, and terribly, unspeakably sad—that are the product, in part, of a cross-cultural legal encounter. I refer to the violence perpetrated in the wake of the blasphemous video "Innocence of Muslims." Although the violence was frequently motivated by local political concerns, it was often justified or explained as a reaction to the production.
I won't use this space to discuss the video, except to say that I have been struck by how many American commentators describe it as an aberrant part of our popular discourse. In fact, our speech environment is awash with far more profane material, insulting of every possible group. I also won't address the violence the video sparked, though I will in a future post. Instead, I want to draw attention to an obvious fact that points toward something less evident but more far-reaching.
The obvious point is that many of the people who protested the video—whether by demonstrating publicly, which is always a worthy civic action, or by rioting, burning, and killing—have a different view of the legal significance of blasphemy and the legally acceptable bounds of expression than prevails in the United States. The view of many of the protesters is not only that the video is an offensive rebuke to their collective religious life (and surely that was its intent), but also that its creator should be punished. It is this view that underlay the recent proposal of the Organization of Islamic Cooperation to prohibit religious defamation under international law.
The belief that group insults ought to be punished is hardly limited to Muslim societies. Consider a recent case from India. In 1999, in the midst of a temple festival in Madras, two men, Panneerselvam and Mahamani, had an argument about how best to tie bulls in an ancient bull-taming sport known as jallikattu. In the midst of the disagreement, another man, Arumugam Servai, insulted Panneerselvam by hurling a disparaging phrase at him. "You are a pallapayal," said Servai, "and eating deadly cow beef" ("pallapayal" is a derogatory term for the members of a traditionally "low" Hindu caste). A fight ensued, and blood was shed.
In 2011, the Indian supreme court sustained a conviction—against Servai—for hurling his insulting remark. Servai was punished for his speech, for simply using the term "pallapayal." The theory the court offered to justify its decision resonates with the recent Muslim protests against the blasphemous video. "In the modern age," wrote the court, "nobody's feelings should be hurt. … [W]e must take care not to insult anyone's feelings on account of his caste, religion, tribe, language, etc. Only then can we keep our country united and strong."
Nobody's feelings should be hurt. On this view, it is the job of the state to protect people from insults directed at the groups they hold dear.
The American theory of the modern age is precisely the opposite. It is that in a modern age, people must be willing to encounter all manner of hurtful ideas about the groups that are most important to them. This hurt is the necessary price for the personal and civic benefits a nearly unlimited freedom of speech produces.
Indeed, more generally, the American constitution makes a grand trade-off: rather than protecting groups and their dignity, it protects individuals and their liberty. (Whether Islamic law in fact requires codes against blasphemy is an issue I'll take up in the future—as many Muslim scholars have argued, there is in fact ample room within the Islamic legal tradition to develop a liberal speech jurisprudence.)
Differences about the acceptable realm of political and religious expression in the United States and Pakistan are clear enough from recent events. But the cross-cultural legal encounter raised by the protests implicates a host of other issues as well, some almost as important as the freedom of speech. For instance, just as there is a distinctive view in Islamic law about blasphemy, there is also a distinctive Islamic approach to the legal status of the corporation—one considered recently for instance by the Turkish scholar Timur Kuran.
And, so, many Americans and many Muslims outside of the United States are encountering each other across a jurisprudential and emotional chasm. As a friend from Pakistan wisely put the matter to me in a recent email: "I would like to invite your attention towards the 'Feel-Clash' about different laws and interpretations among different civilizations. This is the big issue in Islamic world. How can we deal with the 'Feel-Clash' issue and get the acceptable-to-all solution?"
The difference between American and Pakistani approaches to free speech, or American and Yemeni approaches to economic regulation, are part of a much larger global mosaic of legal diversity. American conceptions of free speech differ from those of Pakistan, but they also differ profoundly from those of Germany, which rigorously protects individual dignity. Those of Germany differ from those of China. Those of China differ from those of Ghana. Conceptions of the business enterprise differ between all these countries, too.
It would be comforting if one could simply observe these differences from afar, like so many gems behind glass. But people act—they live their real lives—according to their laws, and so as globalization proceeds world legal differences will become ever-more significant. To borrow a metaphor from computer operating systems, the peoples of the world are running incompatible, or semi-compatible, legal platforms, and they are increasingly being asked to share files. The difference between Mac OSX and Microsoft Windows is nothing compared with that presented by global legal diversity.
This is why, more and more, the people of the world will be sitting face-to-face in two chairs, having difficult conversations about law. With so many different approaches to law, how can we live together? How can we establish, everywhere, what everyone recognizes as the rule of law? How can we address the "feel-clash"?
As we undertake these conversations—which will require both compassion and nerve—we will need to pay attention, like David Lida, to storytelling. We will need to develop ways of telling each other stories about our legal traditions, so that we can enter into them with full sympathy and appreciate the life that very different approaches to law make possible.


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Pupil Premium
The Pupil Premium is provided by the government as an addition to the main school funding. This funding is provided to aid disadvantaged pupils and allow them to attain as well as other pupils. Pupil Premium consists of pupils who are Children Looked After in addition to those who are eligible for free school meals (FSM).
Schools can then decide how the Pupil Premium is used, as they are able to make informed decisions based on their assessment of each individual pupil.
Our proposal for 2018-2019 provides information on our pupils and the possible obstacles to their learning that they encounter. Please see below


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Under review
Feedback Forum Notifications
sniperman4040 2 years ago in Website • updated by SA Admin Daniel Hochman 2 years ago • 1
I have changed my feedback forum e-mail notification settings to receive nothing, yet they keep on coming. Very annoying to delete every forum new topic and responses to every post multiple times daily/weekly. Please fix so this stops. Thanks.
Under review
Can you post a few links to topics you are getting emailed about? Are you sure it's under this account/email address?
Customer support service by UserEcho


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Primark is selling a Snow White make-up bag we can all relate to today… and it costs just £5
Are you feeling a bit ropey this Monday morning? Then this is the cosmetics bag has YOU written all over it
ARE you in a bit of a Mondaze this morning?
If you're still feeling bleary-eyed, Primark has a new Disney make-up bag which has you written all over it.
The Snow White cosmetics bag is a total bargain at just £5 and shows the princess covering her face with her hand - with the caption 'Monday'.
Primark recommend filling it with their red lipstick, mascara, contour palette and power brushes - so you can recreate Snow White's 'English rose' look.
Thousands of people are already lusting over the bag on Instagram after Primark shared a pic of it earlier this morning.
Commenting on the snap, shoppers wrote: "unreal makeup bag!! Ideal for me", "so needed" and "I must have this makeup bag!!!!!"
We all know it's tough being cooped up at work when it's sunny outside, and others said it summed up their "Monday blues" perfectly.
We reckon it's the perfect make-up bag for both adults and kids - who could use it as a clutch bag.
Will you be buying one for your Disney princess?
In more fashion news, Office is selling a £36 pair of heels that look just like By Far's £305 designer version – can you tell the difference?
And these are the winners of the Fabulous Beauty Awards 2018 - as voted by YOU.


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See also my blogpost ICNIRP
At a meeting in Paris on 17 April 2019 Eric van Rongen, the present ICNIRP chairman presented a draft on new ICNIRP guidelines for radiofrequency radiation (RFR) exposure. The presentation is freely available at the web although labeled as a 'draft – do not cite or quote'.
Most remarkable is that the science on health effects is still based on thermal (heating) effect from RFR just as the evaluations published 1998 and updated in 2009.
In the draft only thermal effects are considered for health effects (page 7). Van Rongen states there is 'No evidence that RF-EMF causes such diseases as cancer' (page 8).
These comments are based on the power point presentation. However, there is no evidence that non-thermal effects are considered and thus a large majority of scientific evidence on human health effects, not to mention hazards to the environment. Thus the basis for new guidelines is…
View original post 64 more words


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Recent Posts
Monthly Archives: November 2009
What is postmodernism? by Elliot Villareal
What is postmodernism? Any answer you give is a cultural construct supported by a group. If you don't like the answer, then go find another group. Who is Jesus? Any answer you give is a cultural construct supported by a … Continue reading
Posted in culture
Jesus, a model of thanks – Matthew 14:13-21
Today, Thanksgiving 2009, we are going to explore the familiar story of the feeding of the 5000, which is recorded in all 4 gospel narratives. It is one of the only passages which all four writers include in their accounts, … Continue reading
Posted in Matthew, Thanksgiving
Christianity-New Age dialogue #3
On Nov 17, 2009, Joshua wrote: Hello Scott, Sorry it has taken me so long to respond to you, I will try to be more timely in the future. Here is my theory on how the universe began. This is … Continue reading
Posted in apologetic 4 Comments
Christian Parenting – Spiritual Formation in the Family
Since the goal of Christian parenting is to raise obedient disciples of Jesus Christ, then every family needs to be a place of spiritual formation. This isn't the job of the Church, or youth pastor, it is the job of … Continue reading
Posted in family, parenting, spiritual formation
The Manhattan Declaration
There is a great declaration related to the sanctity of Life, Marriage and religious liberty which has recently been published. it is called the Manhattan Declaration and you can read it here. I signed on tonight and encourage you to … Continue reading
Posted in culture, evangelism, personal, theological, worship
Nothing less than perfect obedience – 1 Samuel 15
Let me tell you a story of a man who knew God's will and yet struggled to implement it into his life. This man had a house in which he took in stray animals. He knew that God had called … Continue reading
Posted in 1 Samuel
Parenting – Obedience in Children
"Children obey your parents in the Lord, for this is right. Honor your Father and mother…" – Ephesians 6:1-2 As I continue to work out a set of biblical thoughts on parenting, the next issue I would like to address … Continue reading
Posted in parenting
Want to access historically Reformed works for free?
Here is a link to a great selection of works, all available online and free.
Posted in Uncategorized
Who is worship all about? – Romans 12:1-2
Who is worship all about? Let me start off by telling you a parable. I wish I could claim it as my own, but it comes from pastor bc comings, of Mountain View CRC in Lynden.[1] There was a prince … Continue reading
The Parental Pursuit of Christ as it relates to Raising Children
If our goal as parents is to raise obedient disciples of Jesus Christ, then where does that process begin. In the Gospel of Matthew, Jesus says, "A student is not above his teacher…" (10:24). If this is the case, then … Continue reading
Posted in parenting


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What are my options if I've defaulted on my student loans?
The most recent statistics from the department of education (from the 2009 fiscal year) indicate that student loan default-rates continue to increase. Although they haven't reached their all time high of 22.4 percent in 1989, more and more borrowers find themselves unable to pay back their student loans, 8.8 percent in 2009.
What are the consequences of defaulting on my student loans?
According to the U.S. Department of Education, if you've defaulted on your loans you can expect the following consequences:
- National credit bureaus can be notified of your default, which can harm your credit rating, making it hard to buy a car or a house.
- You will be ineligible for additional federal student aid if you decide to return to school.
- Loan payments can be deducted from your paycheck.
- State and federal income tax refunds can be withheld and applied toward the amount you owe.
- You may have to pay late fees and collection costs on top of what you already owe
- You can be sued
What happens when my student loan account goes into default?
Generally if you've missed a payment(s) on your student loan the accounts are transferred to the debt resolution department, within the department of education. However, if payment arrangements aren't made within the first couple months of the transfer, the debt resolution department will transfer the account to a third party collection agency. Thus, the longer your account is in default the more likely it is to be transferred to a collection agency.
What are the consequences of having my student loan account transferred to a third party collection agency?
If your account is transferred to a third party collection agency, you will incur additional charges like collection fees. Also, payment plans made with the collection agency will likely take those fees into account and likely be larger than ones made directly with the debt resolution department. In addition, the collection agency may garnish your wages without going through the formal legal process of obtaining a judgment.
What are my options if I've defaulted on my student loans?
There are several ways to work with the government if you have defaulted on your student loans. The simplest option is to pay in full. However, most of the time, this is not a realistic option for debtors. The debt resolution department may also make you a settlement offer which discounts principal and interest. They may also help you set up a new monthly payment plan that takes into account your income and expenses. On a new payment plan you may "rehabilitate" your loan and move it out of default.
Once I've defaulted on my student loan can I change my payment plan to something that is more affordable?
Probably. The U.S. Department of Education and its guaranty agencies will accept regular monthly payments as long as the payments are reasonable. To find out what is "reasonable," contact the Department of Education directly at 1-800-621-3115.
Once I've defaulted on my student loans can I defer my loans?
You cannot defer your loans once you've defaulted. In order to defer your loans you must specifically qualify by fitting into a narrow category: you must be in school, you must have severe economic hardship, you must be unemployed or you must be in active military duty. However, if you are able to rehabilitate your loan by making regularly scheduled payments, you may still be able to qualify for deferment. More information can be found here.
Once I've defaulted on my loans can I set up forbearance?
You cannot set up forbearance once you've defaulted. If you know in advance that you may not be able to make your monthly payment, you should contact the Department of Education and try to set up forbearance.
How do I stop a wage garnishment for student loans?
One way to stop wage garnishment for a student loan is to "rehabilitate" the loan. For most types of student loans, rehabilitation requires nine monthly payments within a ten month period. Each payment must be made within twenty days of its due date, and for an agreed upon amount. Rehabilitating your student loans has other advantages. For example, your loan holder will no longer report your loan status as "default" to national credit bureaus.
How do I make my loans eligible again for forbearance or deferment after going into default?
Generally, if a debtor rehabilitates the loan, as described above, it will be eligible for benefits again, like forbearance or deferment.
Once I've defaulted on my loans can I consolidate my loans at a lower interest rate?
Probably. By making three months of payments on time and for the agreed upon amount, you may qualify for consolidation of your loans.
More information can be found at: MyEdDdebt.com


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Genetic Counselor Drift: Exploring contributors to the recent growth of non-clinical genetic counseling positions and the resulting impact on the profession.
Date of Award
Document Type
Thesis - Open Access
Degree Name
MS Human Genetics
Human Genetics Graduate Program
The field of genetic counseling has been traditionally centered around the clinical setting. In recent years, an increasing number of genetic counselors have taken non-clinical positions with limited patient contact. This shift has created a spectrum of genetic counselors working across clinical and non-clinical roles. Available literature on the issues relevant to both groups is limited. We surveyed 305 genetic counselors employed in diverse work settings to better understand opinions regarding professional issues and training while in genetic counseling programs. Respondents reported several opportunities to increase satisfaction of clinical counselors and preparedness among non-clinical counselors. Furthermore, significant differences in the perceptions between clinical and non-clinical counselors regarding professional issues were identified. Our study serves as a foundation for future research into topics affecting both clinical and non-clinical genetic counselors.
Recommended Citation
Kaneko, Maki and Rigobello, Robert, "Genetic Counselor Drift: Exploring contributors to the recent growth of non-clinical genetic counseling positions and the resulting impact on the profession." (2017). Human Genetics Theses and Capstones. 37.


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The Writing Week 13 - 19 April
Another week draws to a close! After sending off an improved front cover for Heartbound, my attention this week has shifted to improving Blue Eyes Behind the Mask and researching my newest work.
Blue Eyes Behind the Mask is steadily coming along. I have edited the first 2 chapters and I am already getting it formatted for the paperback edition once it is ready for the market. One lesson Heartbound taught me was that formatting can be tricky! If you can format your work as you go along, you'll save yourself a lot of stress. Blue Eyes Behind the Mask will most likely follow the same path as Heartbound, with an ebook being released first, then a paperback edition.
My new work is still in the research stage, yet I am hopeful I will soon be in a position to get on and start writing it.
It is an exciting yet nervous time. I cannot wait until the proof copy arrives, and I am hopeful Heartbound and my other work will continue to do well.
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Schedule In-Home Estimate
Award-Winning Moving Company Portsmouth, VA
Bringing You Home
We've unpacked the secret to a successful move.
Stewart Moving & Storage – Portsmouth Movers!
In March of 2018; Stewart Moving & Storage entered a management agreement with a longtime Portsmouth moving company. The Virginia Beach, Norfolk, Chesapeake, Tidewater area needed MORE of Stewart Moving & Storage so we have officially purchased the facility at 830 Douglas Ave, Portsmouth, VA 23707.
This adds a 5 star moving company in the neighborhood for families moving in, from, or to: Williamsburg, VA; Newport News, VA; Hampton, VA; Suffolk, VA; in addition to Virginia Beach, Norfolk, & Chesapeake, Virginia.
At our humble roots as a military moving company founded in Richmond VA in 2000- that has expanded over the year to serve ALL families & businesses that need packing, moving, & storage services via 8 locations in 4 states. Don't worry about a thing: local, long distance, across the country, or around the world- we're trained, licensed, & equipped to take the stress out of your upcoming relocation.
If it's been awhile since you last moved or if it was just last year- you will appreciate the experience and expertise of our Move Consultants and their ability to craft the industry's most accurate estimate and move plan. Every step of the move process we guide you through is designed to prepare for the unexpected and provide you with the ease of mind needed so you can focus on your life, job, family, and new home.
Once you've booked your move with Stewart Moving & Storage – you gain an additional advocate in your corner – your Move Coordinator. This person works directly with YOU, your Move Consultant, our operations department and your Move Team to ensure any changes in your move plan are communicated and cared for- seamlessly.
When your much anticipated move day arrives; we're ready for you! Your Move Team will arrive as scheduled, in one of our state of the art, Video Monitored & GPS tracked Moving Trucks; equipped with your personalized move plan and all the equipment to make it happen.
Stewart Moving & Storage has a mantra- Bringing You Home. It's a simple statement but not always an easy task. We're infinitely aware of how much this means to you and your family. This is your whole world, your life, everything you own.
There's no 'One size fits all' mover or moving company- but with our customized solutions; we're able to scale to fit your needs and budget. If you just need a few extra sets of hands to load or unload- Your Move Consultant can advise how many movers to hire for the best experience in the least amount of time. If you want just a few things packed- your cherished heirlooms or just those last minute things you ran out to time to take care of- we can take care of it; just let your move coordinator know and we'll be prepared. If you're helping family from out of town and need a full service move including packing or even storage- we have Move teams that specialize in white glove projects.


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SPark Club Indoor players train twice a week from November through February, play in multiple tournaments, and may participate in the SPark leagues. U16 and U19 teams may be entered in a qualifier tournament for the National Indoor Tournament. Attendance at ALL practices, tournaments and league games is mandatory. Missing these can and will result in removal from the team with no refund. SPark athletes may not play for another field hockey club if you are affiliated with the SPark Field Hockey Club.
2019-20 Club Indoor Schedule:
October: mandatory practices for all SPark club athletes. These practices will be used to determine team placement.
U10/U12: Sunday, October 6 and 13 8:30 am - 10:00 am
U14: Sunday, October 6 and 13 10:00 am - 1:00 pm
U16: Sunday, October 6 and 13 1:00 pm - 3:30 pm
U19: Sunday, October 6 and 13 3:30 pm - 5:30 pm
Regular Season Practice Schedule: Regular season practices start on November 19 and run every week through mid-February. NOTE: Extra practice dates may be added for National Indoor Qualifier tournaments, JPIL or other special tournaments.
There is no regular scheduled practice from December 24 - January 1 however.... Club teams playing in JPIL and/or NIT qualifiers the weekend of December 28/29 or January 4/5 will be expected to practice over the holiday break.
(tentative practice schedule for 2019-20 - subject to change based on registration)
U14 Steel, U12 Blue, U12 White, U10 Blue: Tuesday: 4:15-5:45pm and Friday: 5:00-6:00pm
U14 White, U14 Gold, U14 Silver, U14 Iron: Tuesday: 5:45-7:15pm and Friday: 6:00-7:00pm
U16 White, U16 Gold, U16 Silver, U14 Blue: Tuesday: 7:15-8:45pm and Wednesday: 4:30-6:00pm
U19 Blue, U19 White, U19 Gold, U16 Blue: Tuesday: 8:45-10:15pm and Thursday: 4:30-6:00pm
Additional Fees:
JPIL Fee: All players on teams that are invited to participate in the Junior Premier Indoor League (JPIL) will be charged an additional $50/player.
National Indoor Tournament Fee: All players on teams attending the NIT tournament will be charged $250/player to cover NIT team registration fee, additional practices and coaching. U16 and U19 teams must qualify at an NIT qualifier tournament in order to attend. SPark will apply to send at least 1 U12 and 1 U14 team to the NIT tournament. Players will be selected for these teams based upon performance during the indoor season.
All practices are held at the SPark Indoor Training Center @ API in Gambrills, MD
SPark Club Indoor travel teams each will participate in a minimum of 4 tournaments or the Junior Premier Indoor League.
SPark Club Indoor travel teams may participate in the SPark Indoor Leagues for game experience throughout the season.
Registration and team fees are non-refundable and final. SPark FHC will not refund any portion of your registration fee for any reason. SPark registers each player to fill a specific spot on each team and since these spots are limited it is up to the player/parent to make the commitment to participate. The information regarding tournaments and practices are not yet finalized at the time of registration, therefore changes or elimination of any tournament and practice dates may be necessary and are not a cause for a credit or refund.
SPark is a volunteer run organization and in order to be successful and keep costs down all parents are required to volunteer throughout the indoor season. Volunteer sign-up sheets will be available at the Parent Meeting in November. Every family is required to volunteer at least 5 hours throughout the season. Parents who elect not to volunteer are required to pay a $125 fee.
Sportsmanship is an important part of our game. Players and parents that do not exhibit sportsmanship at practices, leagues and tournaments can be released from the club with no refunds. This includes being supportive of your daughter, supporting the coaches decisions regarding your daughter and teammates and being a positive fan that refrains from addressing officials before, during and after games. You should also be a positive supporter of the SPark Field Hockey Club.
USA Field Hockey Membership
All SPark Club members must be a CURRENT member of USA Field Hockey and membership must be valid until March 1, 2020. You must designate SPark as your home club. See below for information on age group classification.
Join USA Field Hockey here: USA Field Hockey Membership Registration
Important Information Regarding Age Group Classification
USA Field Hockey determines a players age group based on the players birth year - not school grade
For the 2019-2020 Season:
U19 = birth years 2001, 2002, 2003
U16 = birth years 2004, 2005
U14 = birth years 2006, 2007
U12 = birth years 2008, 2009
Developing World Class Field Hockey in Maryland
SPark Field Hockey Club


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I was driving past the Royal Liverpool hospital a few days ago. We stopped at the traffic lights. It was approaching lunchtime, the street was busy with people rushing to coffee shops and cafes. I waited for the lights to change, and absentmindedly looked around me.
In a side street, a man was laying on the ground. He was being treated by three paramedics. They were trying to save his life. A few people had stopped and were watching. The paramedics were working quickly, doing everything they could for him. I stared at his face. He seemed asleep. His tent and belongings were piled against a wall.
The lights changed, we had to move on. All day I thought about him. I hope he's o.k.. I hope they got him into the hospital. I hope …
That night I thought I would look on the local newspaper site, just to see if anything was mentioned about him. 'Man saved in front of the hospital!' 'Miracle on Moira Street!'
But no, the man had died.
He had been found in his tent, unresponsive. People had walked past, going about their business, myself included. The article said that he was only forty, he was a dad – a good one- and as one of his friends said, 'life had just got the better of him'.
A statue was unveiled in the grounds of Liverpool Parish Church – St.Nicholas – this week. It's called 'Homeless Jesus'. Casts of it have been seen around the world, Vatican City and New York included. The actual statue has come to rest here. I wanted to see it. I'm not religious at all, but it is very moving. There is space at the end of the bench for someone to sit. The question posed is, 'Would you sit next to a homeless person? Would you sit next to a homeless Jesus?'
Some people wouldn't even stop for a man dying on the street, and that is the saddest thing. We seem to have a forgot what compassion is. Life can get the better of any of us.


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Great Swing Songs
|Song Title
|Count Basie
|April In Paris
|Big Bad Voodoo Daddy
|You And Me And The Bottle Makes Three
|Big Bad Voodoo Daddy
|Boogie Bumper
|Blues Brothers
|Sweet Home Chicago
|Jackie Brenston
|Rocket 88
|Brooks & Dunn
|My Next Broken Heart
|Les Brown
|Bizet Has His Day
|Les Brown
|Leap Frog
|Cab Calloway
|Minnie The Moocher
|Bobby Charles
|See You Later Aligator
|Cherry Poppin' Daddies
|Zoot Suit Riot
|Count Basie
|Shiny Stockings
|Bill Doggett
|Honky Tonk Part II
|Duke Ellington
|Take The A Train
|Benny Goodman
|Sing, Sing, Sing
|Rudy Greene
|Juicy Fruit
|Lionel Hampton
|Jivin' The Vibes
|Wilbert Harrison
|Kansas City
|Clarence Frogman Henry
|Ain't Got No Home
|Rockin' At Midnight
|Indigo Swing
|Red Light
|Louis Jordan
|Ch-Ch-Ch' Boogie
|Louis Jordan
|Five Guys Named Moe
|Jimmy Liggins
|Cadillac Boogie
|Little Richard
|Great Gosh A Mighty
|Reba McEntire
|Why Haven't I Heard From You
|Reba McEntire
|Take It Back
|Glenn Miller
|In The Mood
|Lori Morgan
|Go Away
|Piano Red
|Jump Man Jump
|Lloyd Price
|Stagger Lee
|Louis Prima
|Just A Gigolo
|Red Prysock
|Hand Clappin'
|Royal Crown Revue
|Barfly's At The Beach
|Brian Setzer
|Jump, Jive & Wail
|Frank Sinatra
|Fly Me To The Moon
|Squirrel Nut Zippers
|It Ain't The Meat
|Swing Kids
|Sing, Sing, Sing
|Big Joe Turner
|Shake, Rattle and Roll
|Stevie Ray Vaughan
|Pride And Joy
|Dinah Washington
|Chirstopher Columbus
|Hank Jr. Williams
|Been There, Done That
|Neil Young
|Ten Men Working
If you would like to add these selections to your play list, simply "cut and paste" the desired songs into the space provided below the selections on the form. Or you can "cut and paste" the desired songs into an email and send them to me.
Problems, questions ? Contact me.


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Symmetry Soirée: The 2019 MoMath Gala
The Mathematical Significance of Donation Amounts
1,729 is the "taxicab number"; the smallest number that is the sum of two cubes in two different ways: 1000+729 = 1728+1
17,290 is 10 times the taxicab number.
36,100 is the sum of the first 19 cubes.
50,021 is a prime number, meaning that it has no factors except one and itself.
109,376 is an automorphic number; if you multiply it by itself any number of times, the same six digits remain at the end.


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Coronavirus (COVID-19)
- The Civic Centre is open for limited essential appointments only. If the service you require cannot be accessed online please contact Customer Services to discuss on 01474 337000.
- For the latest information and updates on our services view our coronavirus advice section →
- If you are a business, please visit our Business support pages →
- To request support, visit our Help and support page →
Public Access alert,
Public Access is currently down for maintenance, please check back later.
Saving money on your bills
2. Warm Home Scheme
The Warm Homes Scheme is a partnership project between Kent County Council and the local councils to help and support residents in Kent and Medway.
For Gravesham residents the scheme can help social housing tenants and private homeowners, providing the opportunity to insulate their homes to make it more energy efficient and save money on their energy bills. The measures currently available include:
- Cavity wall insulation
- Loft insulation
- Heating measures (private homeowners only)
You can find out more information and how to apply through Kent County Council or call the Warm Homes Helpline on 0800 170 1174.
Your registration details will be shared with the Warm Homes provider who will be in contact to see if you are eligible for support. Please note a contribution towards the cost may be necessary.
ECO Local Authority Flexible Eligibility
Latest changes to ECO (ECO2t) enables Local Authorities to include a wider package of assistance for residents who are in fuel poverty, on a low income or are vulnerable to living in a cold home due to age/health conditions. This has been developed to help those who have not qualified for assistance under previous benefit based schemes.
The Gravesham Borough Council Flexible Eligibility Statement of Intent sets out the additional eligibility criteria.
- ECO - Flexible Eligibility - Statement of Intent Version 2
- ECO - Flexible Eligibility - Statement of Intent Version 1 (Superseded)
For further information please contact Dipna Pattni on 01474 337326 or via email: email@example.com


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I'm looking for an AV5125 with Dynamik. Black or silver, it doesn't matter as I have a spare sleeve.
If anyone's selling, or thinking of selling one, please let me know - I'm in the UK by the way.
Many thanks.
Linn AV5125/D
Moderator: Staff
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2 posts • Page 1 of 1
- Very active member
- Posts: 815
- Joined: 2012-04-04 15:19
- Location: North Wales
- Contact:
Re: Linn AV5125/D
You have a PM
AEDSM; AEBox/1; 3x Tundra Stereo 2.5; PMC 20.26. Blogger. Exakt Design. SO measuring.
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2 posts • Page 1 of 1


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Man jailed in Potsdam on DWI, drug, felony charges
Friday, June 14, 2019 - 1:48 pm
POTSDAM — Potsdam police charged a man with a felony following a report of two disorderly males at a local business.
Kevin J. Reddick, 39, Clyde, was cited for first-degree aggravated unlicensed operation, felony, driving while intoxicated and disorderly conduct: Violent behavior, officers said.He was also charged with consumption of alcohol on a motor vehicle, refusal to take a breath test, operating out of ignition interlock device restriction and unlawful possession of marijuana, police said.
There was reportedly several open containers of alcohol and a small amount of marijuana inside the vehicle when it was searched, officers said.
Reddick was jailed on $1,500 bail in St. Lawrence County jail, police said.


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Date Joined: July 13, 2010
Last Online: July 18, 2015
Birthday: March 15, 1983
Country: United States
My Etsy Store
My Flickr Photos
YouTube Videos By Me (Tutorials and Craft Hauls)
Personal Facebook
My Papercrafting Blog
I am 29 yrs. old and the proud mother of a beautiful 4 yr. old girl and an adorable 2 year old baby girl! I love being a stay at home mom and having the opportunity to create in my "off duty" time (when the little ones are down for the evening).
Just a note about my swapping- I will rate ALL of my swap partners. I would appreciate ratings on the swaps I send too so people know that I follow through and hold up my end of swaps. Thanks!
I have typical crafter's ADD- I have been known to draw, paint, woodburn, etc...but my passion is for paper crafting which is currently consuming all my free time. By paper crafting I mean I am into making cards, tags, gift boxes, ATC's, etc. I do not scrapbook. I tried once, but I realized I have this irrational fear of cutting my photographs. I think I'm scared I'll accidentally cut out something important and regret it. I hope to one day get over that and give it a try again in a few years when I have more time to work on it. I would love to be able to do that with all the pictures of my daughters.
I love taking something blank and basic and creating something beautiful out of it by simply adding different layers and elements to it. I have a pretty simple design aesthetic (not into tons of gaudy stuff piled on top of eachother), but I work in the direction of whatever is inspiring me at the moment. I have a shop on etsy which I sell cards and other paper goods from. It has been fulfilling and helped me feel productive and worthwhile in ways other than being just a mom and wife.
I tend to be a bit (VERY) addicted to buying craft supplies, but sometimes I just can't resist that neat stamp set or the pretty new paper I see in front of me. My newest obsession is anything Tim Holtz!
I also enjoy crocheting- I just learned a little over a year ago and though I don't crochet in the warm months I go back to it in the fall and winter. I love giving my items as holiday gifts!
And that is just to name a few. Let's just say I love my DVR. :-) When it comes to t.v. and movies I really just want to laugh and be entertained. I don't like watching things that are sad... I turn to t.v. and movies to escape those kinds of things.
We also watch Flyers hockey in this house! Thanks to my husband I have actually become a fan of the Philadelphia Flyers. So any Flyers items would be fine to send!
How about some favorite authors?
I used to read A LOT, but I've hardly touched a book since having my first daughter. I miss it sometimes. Now I am reading the same book over and over to my 3 yr old. Lol.
Note: I do not like the Twilight series (I just felt the books were poorly written).
I don't really want to specify too many dislikes, especially when it comes to crafting. I don't want to discourage someone from sending something I might love using, but just didn't know about or something that might give me a chance to try something new, but here are a few things I definitely DON'T need...
I would be more than happy to do private swaps with people! Here are some swaps I'd be interested in doing...
I see some people have "wish lists" so I thought I'd make one too!
Just so you know, I would never expect these things... just a simple wish list.
WHY DO PEOPLE MARK THINGS "SENT" WHEN THEY HAVEN'T SENT THEM???!!! If you are going to be late, just contact me. But marking your swap as sent before it is actually sent just really puts me off and gives me a very negative perception of you.
It kind of bothers me when someone has a stipulation for EVERY "like" and "dislike" they have listed in their profile. For example: "I like (fill in the blank), but ONLY if it's this and that and such a way, etc..." I understand we all have our preferences, but some people just seem ungrateful and impossible to please and make me dread having them as someone I have to send to...
Then again, maybe people are just tired of receiving junk. LOL.
I got my first cigarrette smoke infused package today and I must say it was quite attrocious. It basically went straight to the trash. I am an ex-smoker who quit for her kids and while I don't care if you smoke, I most likely won't keep or use the things you send me if they smell like an ashtray. Sorry. I am not judging smokers, but it's just the truth.
|Type 1
|Type 2
|Type 3
Hey lady I saw you in THA! Need any skank towels? I've collected more
So excited for you! Hope you and baby are well and getting some rest.
Thank you for your kind words Angela! I am grateful for your support and cheerleading! :) No matter the outcome, I am content. It was an honor to make it this far.
Happy Birthday!! Hope you have a lovely day!
Happy Birthday Angela-Toots. x
from the Friendship Circle Gang !
From all of us at The Friendship Circle~
The inmates over at the FRIENDSHIP CIRCLE, wish you a Merry Christmas and a Happy New Year!


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If you're still struggling to figure out how to reach Millennials (even if you are a Millennial), take heart – there's (already) another generational cohort entering the workforce.
This new cohort is called Generation Z (at one point, Millennials were referred to as Gen Y, so…) – they are, generally speaking, children of Gen X – born in the mid-1990s, and separated from Millennials by their lack of a memory of 9/11.
Gen Z is, in fact, already entering the workforce – and, according to the U.S. Census Bureau, they currently comprise a quarter of the population. They are seen as being more "realistic" when it comes to life and working than Millennials, who have been characterized as more "optimistic." Gen Z is said to be more independent and competitive in their work than the collaborative Millennials, more concerned with privacy (Snapchat versus Facebook), and are said to have a preference for communicating face-to-face. It's said they'll eschew racking up big college debt, and are said to be interested in multiple roles within a single employer, rather than multiple employers (role-hoppers versus job-hoppers). They have been called a generation of self-starters, self-learners and self-motivators – and they've never known a world without the Internet and a smartphone to bring it to their fingertips wherever they are.
Unlike previous generations, whose parents didn't mention money or focus on financial topics with their kids, more than half (56%) of Gen Z have reportedly discussed saving money with their parents in the past six months. The result, according to researchers, is a young generation that "behaves more like Baby Boomers than Millennials," is making plans to work during college, to avoid personal debt at all costs, and… to save for retirement. Indeed, 12% of Gen Z is already saving for retirement, according to a recent research report.
Behavior 'Patterns'
Now, as different as individuals in various generational cohorts can be, I've never been inclined to assign those behavioral differences to their membership in any particular cohort. Rather, I think there are things that younger workers are inclined to do (or not do) that workers in every cohort were inclined to do (or avoid) when they were younger. Do Millennials change jobs more frequently than their elders? Sure. But they didn't invent the phenomenon; for a variety of reasons, younger workers have long been more inclined (or able) to pull up stakes and seek new opportunities (American private sector job tenure has actually been remarkably and consistently "short" running all the way back to WWII). Similarly, younger workers tend to put off saving (certainly for something as far away and obscure in concept as retirement), and when they do start saving, tend to save less than their elders. This was true of the Boomers, of Gen X and Millennials, and – despite their more rapid savings start – will almost certainly be true of Gen Z, left to their own devices.
That last part is a potentially critical difference, of course, in that today plan design differences like automatic enrollment were a relative rarity when the Boomers were coming into the workplace. Some of it is that – at least supposedly – their parents didn't need to save because they had defined benefit pension plans to secure their retirement. But, even for those who were covered by those plans (and most weren't) – the DB promise was of little value at a time when 10-year cliff vesting and 8-year workplace tenures were the order of the day. Moreover, Boomers would typically have had to wait a year to start contributing to their DC plan when they entered the workforce.
Headlines tout today's improved behaviors – more diversified investments, an earlier savings start, a greater awareness of the need to prepare for retirement – as evidence of refined education efforts, or a heightened awareness of the need to save by generations who are more attuned to financial realities. Those are indeed welcome and encouraging signs.
Still, it seems to me that many in these newer generational cohorts are – as are their elders – really the beneficiaries of innovative plan designs – things like target-date funds, as well as automatic enrollment and contribution acceleration, and a heightened focus on outcomes – developed to overcome the behavioral shortcomings of human beings – regardless of their generational cohort.
- Nevin E. Adams, JD