text: CRM2 isn't the full picture Sweeping changes in the financial services industry are in full swing, and Canadian investors will benefit. CRM2 is intended to provide greater transparency around what investors are – or should be – most concerned about: performance and fees. Effective for 2017, advisors must deliver two new annual reports to clients, informing them about their personal money-weighted rate of return (which will be influenced by the timing of any deposits or withdrawals from the portfolio) and the charges/fees incurred to work with their advisor. These changes are a step in the right direction for our industry, but they still do not level the playing field for advisors of different compensation models. Understandably, a regulatory body's first priority should be to support clients and their experiences with professionals in our industry. Improvements to fee and performance transparency have been a long time coming. As helpful as the new reports will be, the less astute investor will not see the entire picture. Stand-alone numbers on a statement do not paint a detailed picture of the overall relationship or the value the advisor brings to the table. Unfortunately, in the eyes of most clients, an advisor's value is derived by his or her ability to provide absolute returns. A money-weighted rate-of-return calculation can negatively affect an advisor's investment strategy through no fault of their own. For example, an investment may have provided a 5% calendar-year return, but that doesn't mean that the investor's account had a personal rate of return of 5%. If the investor withdrew funds from the investment midway through the calendar year at a time when the investment itself was down 1% year-to-date, then the investor's personal rate of return would be less than 5%. Because losses are not realized until a sale takes place, if an investor sells units/shares at an inopportune time and realize losses, that affects the investment's rate of return. An investor should know what he or she is paying in fees. But even more important, an investor should know what services he or she is being provided for the fees agreed upon. The shortcoming of CRM2 is that it doesn't address the two components of an advisor's fee. The fee for the service component (i.e. financial planning, portfolio rebalancing, plan maintenance/review, etc.) is distinct from the fee for investment selection (i.e. selecting and maintaining the investment solution). Under CRM2, only the service component must be disclosed as a dollar amount, which may not provide the entire cost picture. For example, a fee-based advisor may charge 1% for the service component, but may use mutual funds for the investment selection of the portfolio. On a $1 million portfolio, the fee is $10,000, but a management fee is also charged by the mutual fund company within the management expense ratio [MER]. The management fee within the MER is also expressed as a percentage, similar to the service component, but is not required to be disclosed in dollars and cents. Thus, investors will continue to be unaware of the total fees charged. Advisors compensated on a fee-based model may be inaccurately evaluated, given this omission. CRM2 could be improved by implementing changes that don't put the focus of advisor evaluation on factors out of their control. For example, if personal rates of return are disclosed, then a benchmark for comparison purposes (i.e. commercial index, peer group index) should also be included. Doing so would suggest that any underperformance of the portfolio from the benchmark could be due to the timing of deposits and withdrawals and not the advisor's lack of skill or expertise. Alternately, the personal rate of return could be calculated using methodology that does not consider the timing of deposits or withdrawals. CRM2 should also require that all fees (i.e. mutual fund companies' management fees) are disclosed so that investors are fully aware of the fees they are 'paying' for the advice. Improving transparency not only benefits clients directly, making them more aware and able to make informed decisions; it also requires advisors to up their game to justify their fees and explain their value. Raising the level of advisors as a whole will benefit the end-user. The opinions expressed here are those of the author. Carlo Cansino is a senior financial planner for The McClelland Financial Group of Assante Capital Management. SHARE


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asp.net angularjs developer needed for growing business
Budget $250-750 USD
I am looking for a freelancer to help me with my project. The skills required are .NET, Angular.js, ASP, MVC and Software Development. I am happy to pay a fixed priced and my budget is $250 - $750 USD. I have not provided a detailed description and have not uploaded any files.
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subset: commoncrawl


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June 5, 2014
OLYMPIA, Wash. — Attorney General Bob Ferguson, Insurance Commissioner Mike Kreidler and Human Rights Commission Executive Director Sharon Ortiz today released a joint letter to Washington state employers, insurance companies and benefit plan administrators regarding healthcare benefits.
The agencies have learned that some health plans have provided dependent coverage for opposite-sex spouses of employees or other insureds, but failed to provide the same coverage to same-sex spouses. This practice violates Washington state law. If healthcare benefits are provided to opposite-sex spouses, they must be provided to same-sex spouses on an equal basis. Which state laws apply and whether there are any exceptions may depend on specific circumstances.
Ferguson, Kreidler and Ortiz issued the joint letter to ensure clarity regarding the laws relating to marriage equality and healthcare coverage for same-sex spouses in Washington state. The AGO, HRC and OIC are charged with protecting Washington residents from unfair or discriminatory practices.
The release of this letter comes on the heels of the recent investigation of O'Reilly Automotive Inc. that resulted in the company's agreement to extend health benefits to same-sex spouses.
"The Attorney General's Office will work to protect the legal rights of all Washington residents and enforce state laws prohibiting discrimination," said Ferguson. "If an employer provides benefits to opposite-sex spouses, it must provide the same benefits to same-sex spouses."
"Most health insurers doing business in our state understand they cannot discriminate against someone based on their sexual orientation," said Kreidler. "But we're taking this extra step today to ensure they understand their responsibility to do due diligence when selling insurance policies in Washington."
"The Washington State Human Rights Commission works to prevent and eliminate discrimination," said Ortiz. "Discrimination based on sexual orientation is illegal under the law.The Commission has jurisdiction over insurance discrimination and is prepared to receive complaints for investigation.We will work in partnership with the Attorney General's Office and the Office of the Insurance Commission to resolve these issues."
For more detailed information on Washington state law surrounding this issue read the Frequently Asked Questions, here.
Background on same-sex marriage laws in Washington state
Discrimination on the basis of sexual orientation has been unlawful in the State of Washington since 2006.
In 2012, the Washington State Legislature approved Senate Bill 6239, legalizing same-sex marriage. Opponents garnered enough signatures to refer the measure to voters. Voters approved Referendum 74 by nearly 54 percent at the November 2012 election — making Washington one of the first three states to legalize same-sex marriage by popular vote.
Same-sex marriage is lawful in 19 states and the District of Columbia.


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I've set my sights on Charlotte's Thunder Road Marathon on December 12. I chose Thunder Road for a couple of reasons. First, it's close by – it's just a 2 hour drive. Second, I've run this marathon before, which feels like an advantage somehow. Finally, but not of least importance, is the fact they offer pace groups.
As for my training, the general framework is not much different than the training I did for the Buffalo Marathon. For Buffalo, I used the Level 2 Marathon Plan from Matt Fitzgerald's book, "Brain Training For Runners". For that race, my weekly mileage peaked at about 70. This time, I'm using the Level 3 Plan from the same book, and my weekly mileage will peak at about 85-95 miles.
Higher mileage means increased risk of injury. To help offset this risk, I've set two process goals. First, I plan to run 20-30% of my weekly mileage on softer surfaces, such as trails. I'm hoping that in addition to offering the softer surface, trail running, with it's uneven surfaces, will also strengthen the smaller muscles of the lower leg, ankle, and foot. Secondly, I plan to average 8 hours of sleep a night.
I would characterize my training approach as minimalist generally. I want to spend as little time training as necessary to achieve my goal, mainly because I have a husband that I would like to keep. As for my weekly workout schedule, I plan to run 8 times per week (twice a day on Mondays and Thursdays), with Sundays as a complete rest day. Three of my weekly runs will be challenging: intervals one day, tempo-type stuff another day and a long run on Saturday. The remaining five runs will be base runs or recovery runs. Two of the base runs will be followed with resistance training. Mondays base run is always followed by running drills.
I plan to do several races as part of my marathon training to make the hard work fun.


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Cardin Introduces Bill to End Discriminatory Profiling
Friday, February 17, 2017
Sen. Ben Cardin, D. Md., on Thursday reintroduced legislation – S. 411, the End Racial and Religious Profiling Act (ERRPA) – that would prohibit profiling by federal, state, local, and Indian tribal law enforcement authorities on the basis of race, ethnicity, national origin, religion, gender, gender identity, and sexual orientation. "Discriminatory profiling is wrong, fosters … Read More


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My kitchen is currently undertaking some TLC... and I feel lost... thank god for family and friends who invite us over for dinner... don't know what we would do without them...
Last week we were invited to our neighbors, who cooked one of the best meals Iv ever had.. they're Big Jamie Oliver fans so, we started off with Squash Soup with Parmesan Bruscetta, (It was so delicious and cooked to perfection that I'v been craving since last week) Recipe is here.
Will definitely be trying this recipe once the kitchen is back on track :) though i will be needing a liquidiser... just like this one, which is up for grabs on the The Good Mood Food Blog.
Would be a great addition to the refurbished Kitchen :)
Have a great day
La Roquette
Thursday, February 24, 2011
Kitchen Under Construction
Posted by Roberta Galea at 2:57 AM 0 comments
Monday, February 14, 2011
What a lovely surprise this morning, to have found that I have been mentioned/nominated for Stylish Blog Award! by Katrina
Things like this make me want to cook more.. and photograph more.. (I should start carrying my camera with me more often)
Have a Lovely Day :)
Things like this make me want to cook more.. and photograph more.. (I should start carrying my camera with me more often)
Have a Lovely Day :)
Posted by Roberta Galea at 11:39 PM 0 comments
Wednesday, February 9, 2011
Vanilla Cake with Liqoured Chocolate Ganache
Serves 12.
(adapted from martha stewart recipe)
- 1 cup (2 sticks) unsalted butter, room temperature, plus more for pans
- 2 1/2 cups all-purpose flour (spooned and leveled), plus more for pans
- 1/2 teaspoon baking powder
- 1/2 teaspoon baking soda
- 1 teaspoon salt
- 1 1/2 cups sugar
- 2 large eggs plus 3 large egg yolks
- 2 teaspoons pure vanilla extract
- 1 cup low-fat buttermilk
- White frosting
4 cups cooking chocolate
2 cups thick cream
2 tablespoons liquor
- Preheat oven to 350 degrees. Butter and flour two 8-by-2-inch cake pans, tapping out excess flour. In a medium bowl, whisk flour, baking powder, baking soda, and salt.
- In a large bowl, using an electric mixer, beat butter and sugar until light and fluffy. With mixer on low, beat in eggs and yolks, one at a time. Beat in vanilla. Alternately beat in flour mixture and buttermilk, beginning and ending with flour mixture; mix just until combined.
- Divide batter between pans; smooth tops. Bake until cakes pull away from sides of pans, 32 to 35 minutes. Let cool in pans 10 minutes. Run a knife around edges of pans and invert cakes onto a wire rack. Let cool completely
Boil the cream in a pan, until nearly boiling, constantly stirring, add the chocolate, one cup at a time, until it has melted, stir in the liquor. Let it cool down and place in fridge for 4-8 hours until thick
Posted by Roberta Galea at 10:17 AM 5 comments
Red Velvet Cake
- 1 cup vegetable shortening
- 2 eggs
- 1 1/2 cups sugar
- 1 teaspoon cocoa powder
- 2 ounces red food coloring
- 2 1/2 cups cake flour
- 1 teaspoon salt
- 1 cup buttermilk
- 1 teaspoon vanilla extract
- 1 teaspoon baking soda
- 1 teaspoon vinegar
- White frosting, recipe follows
- 2 tablespoons flour
- 1 cup milk
- 1 cup unsalted butter
- 1 cup confectioners' sugar
- 1 teaspoon vanilla extract
Preheat oven to 350 degrees F.
In the bowl of a mixer, cream together the shortening, eggs and sugar. In a separate small bowl, mix together the cocoa and food coloring. Add the paste to the shortening mixture. Sift the flour and salt together over parchment. Add to the batter alternately with the buttermilk in 3 additions. Add the vanilla extract. Fold in the baking soda and vinegar. Pour the batter into 2 greased 9-inch cake pans. Bake for 30 minutes or until an inserted cake tester comes out clean. Let cool on a cooling rack. Invert the cakes from the pans.
Frosting: Over medium heat, cook the flour and milk until thickened. Let cool. In the bowl of an electric mixer, cream together the butter, sugar and vanilla until light and fluffy. Beat in the flour mixture.
Frost the top of the first layer with frosting and set the second layer on top. Frost the entire cake with remaining frosting.
Posted by Roberta Galea at 9:59 AM 0 comments
Thursday, February 3, 2011
Almond and Cinnamon Cupcakes, with Strawberry Frosting
3/4 cup butter
1 1/2 cups sugar
3 tablespoon ground almonds
1/2 teaspoon cinnamon
2 1/2 teaspoons baking powder
1/4 teaspoon salt
2 1/2 cups flour
1 1/4 cups milk
2 eggs
red food coloring
Preheat oven to 375 degrees. Cream butter at medium speed until smooth, add sugar and beat until well. Add two eggs, beat until smooth. Dump in the rest of your ingredients (you can whisk the dry ones together in a separate bowl first as way to "quick-sift" them) and beat until nice and smooth. Dip a toothpick into the food coloring, and place into the mix, beat until colour is light pink. Fill cupcake liners (or greased tins) 2/3 full, bake until golden brown (about 20 minutes, depending on your oven). Makes 24 regular size or approx 10 jumbo size.
2cups heavy cream (hopla)
2 cups confectioners sugar
1 tablespoon strawberry jam
red food coloring
Whip the heavy cream, and start to add the sugar half a cup at a time. Place the rest of the ingredients till the mixture is thick enough to use as piping.
Posted by Roberta Galea at 1:43 PM 4 comments
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Wisconsin high school teacher, 28, charged for alleged trysts with teen boy student
A former teacher in Wisconsin was charged Tuesday following an alleged ongoing sexual relationship with an underage student, according to a report from the Ripon Police Department.
Fitzpatrick was charged with child enticement, sexual assault of a student by school staff, exposing a child to harmful material and obstructing an officer, police said.
Per the arrest report obtained by Fox News, officials were provided information in April about "an inappropriate relationship" between Samantha Fitzpatrick, 28, and an underage teenager at Ripon High School, where Fitzpatrick worked at the time. The teacher, who left her job in May, was reportedly having marital problems at the time of the alleged relationship.
Two teachers who spoke to authorities claimed to see the teen and Fitzpatrick together often, and one added that the pair "would both be missing from school on the same days and late to school on the same days," the report said.
When interviewed, the student told an officer that he was not sexually involved with Fitzpatrick, had never been alone with her and "never sexted, texted, or communicated by phone," police said. When questioned again later about the nature of their relationship, the teen reportedly claimed he'd joked to friends about having sex with Fitzpatrick.
But according to the report, another student told police that the pair had "done stuff" and based on what the teen had said, the pair had sexual relations at the teacher's house and a hotel. Police said the student also recalled dropping the teen off at a gas station, where he allegedly said Fitzpatrick would pick him up.
Police said they also spoke with Fitzpatrick who similarly denied having a sexual relationship or any type of communication with the teen, adding that she didn't have his phone number.
Officers learned that both statements denying the situation were false after uncovering "extensive electronic communication" between the pair thru the Facebook Messenger app, the report said. They also reportedly recovered data from Fitzpatrick's phone, including 67 phone calls, messages and the teen's phone number, the latter two of which had been deleted.
"Sexually graphic messages" were exchanged between May 2016 and November and detailed that the pair wanted to have, and had previously had, sex with each other, the report said. In one message, Fitzpatrick also reportedly expressed "her love" for the student.
According to a statement from Mary Whitrock, the superintendent of the Ripon Area School District, the school is aware of the police investigation and said Fitzpatrick "voluntarily" quit her job after employers complained of her attendance record. She stopped working there in May, they said.
Whitrock's statement also said the school had previously notified parents of an internal investigation into Fitzgerald, unrelated to her attendance, but police determined at the time that there was "insufficient evidence" to move forward. Upon receiving new information in April, police then decided to open an investigation, the school said.
"Student safety is an essential part of the District's purpose and mission," Whitrock said in the statement. "The District has adopted policies and administrative guidelines designed, in large part, to ensure student safety. The District's administration and staff are trained to enforce these policies and guidelines and to enlist the assistance of law enforcement as necessary. We trust that our administrators and staff are taking necessary actions to ensure student safety."


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Getting to Year 2 @ CSU Home
Are you starting to think about your second year?
Getting to Year 2 @ CSU is a semester long program with events designed for first-year students in their second semester. Get the information you need to successfully transition into your second year at CSU! Learn about resources for housing, academic success, involvement, career readiness, and more.
Getting to Year 2 @ CSU will take place throughout February - April! Participation will be tracked during the semester and winners will be announced at the beginning of May 2018. The more events that students attend, the more chances they are entered into the raffle. First-year students who engage in Getting to Year 2 @ CSU initiatives are eligible to win prizes such as Ramcash, meal swipes, secure bicycle parking, or a FREE parking pass for the 2018-2019 academic year (a $520 value)! In addition to these prizes, students will receive free door prizes at certain events. CLICK HERE for a list of programs/initiatives that count towards the raffle.
For questions or additional information, feel free to contact Orientation & Transition Programs, (970) 491-6011 or email@example.com.


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Pitney Bowes Completes Settlement With IRS
Friday, September 01, 2006
Press release from the issuing companySTAMFORD, Conn., Aug. 31 -- Pitney Bowes Inc. today completed its previously disclosed tax settlement with the Internal Revenue Service. "We are quite pleased to reach this resolution as it closes a chapter on a non-core business that we have sold," said Michael J. Critelli, Chairman and CEO of Pitney Bowes. "This permits us to concentrate our energies on our growth strategies and makes it easier for investors to understand our financial position and growth potential." As a result of the IRS settlement and the previously completed sale of the Capital Services business, Pitney Bowes expects to pay about $1.1 billion of tax over the next six months. This tax liability was previously accrued in the company's financial statements. All of the tax payments will be made using proceeds from the Capital Services sale, as well as an advance against the company's Corporate Owned Life Insurance (COLI) assets. The largest portion of the tax, nearly $900 million, resulted from the Capital Services sale, which represents amounts owed on transactions the company entered into over the past 15 years. This tax would have been due over the next 20 years, but the sale accelerated the time at which it must be paid. The remaining payments reflect taxes owed with respect to various other transactions, including the company's COLI investments.
Industry News
Copyright © 2018 WhatTheyThink. All Rights Reserved


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Takara Tomy's version of the Power of the Primes series. These figures are the Japanese releases to the U.S. POTP figures with slightly different variations such as molding, paint, and coloring.
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VI Peel is a gentle chemical peel that is used to nourish and improve the skin so it looks younger and healthier. This is a painless process with minimum downtime so it is great for anyone looking for a quick and safe way to get better looking skin.
Before The Procedure
Before starting the procedure, the practitioner will clean the area of skin that you want to get treated. This cleaning is done with acetone.
The Peel Procedure
After your skin is thoroughly cleaned, a layer of the VI peel is applied over the area. Slowly more layers are added on with a few seconds in between. The whole process can take about 20 to 45 minutes. The exact time will depend on the area that is being treated and the desired results.
After the required applications, the peel is left on your skin. Over the ensuing six hours, the peel will self-neutralize and your skin will start to look and feel tighter and smoother.
After The Peel Procedure
Immediately after the treatment, your skin will look darker as if it


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Free NBA Hoops Pick: Cavaliers vs Magic Lines
Looking for Cleveland Cavaliers vs. Orlando Magic free plays? NBA betting sees the Cavaliers taking on the Magic on Friday March 18th at the Amway Center Orlando, FL. Cappers Picks provides complimentary expert handicapping picks on all NBA basketball matchups all season long so stay tuned for more FREE daily NBA hoops predictions.
(48-19) Cleveland Cavaliers vs. Orlando Magic (29-38)
Date: Friday March 18th
Time: 7:00 PM EST
Venue: Amway Center Orlando, FL
NBA Moneyline Odds: Off
NBA Betting Odds: Off
NBA Betting Total: Off
Live NBA Odds
Updated Sportsbook Bonuses For Today
Click here to view… NBA ATS Stats & Expert NBA Betting Insight!
While the Cavaliers had a recent road loss to the Jazz they have still won 4 of their last 5 games and are still atop the Eastern Conference. Can any team challenge them in the East? The Raptors are not far behind them, but King James and company keep on chugging and it would be a surprise if they were not in the finals, again.
The Magic's season is not over, yet, as they are still in the playoff hunt, but they have a lot of work to do. They have lost 2 of their last 3 games and they are 4.5 games out of the last playoff spot in the East.
In their last games the Cavaliers beat the Dallas Mavericks 99-98 and the Magic lost to the Charlotte Hornets 107-99.
Cleveland Cavaliers
The Cavs have not looked that good in their last 2 games losing to the Utah Jazz and then beating a struggling Mavericks team in their last game, but that last game was without King James in the lineup.
The Cavs have the 3rd ranked scoring defense and their offense is legit as well ranking 9th in points per game. However, they have failed score 100 points in either of their last 2 games.
James will be back in the lineup in this game and after a day of rest and the Cavs not playing that well he tends to take it on his shoulders to carry the team, which is not good for the Magic.
Cleveland is a legit 20-13 on the road this season.
The Cavs have played the Magic 3 times this season winning all 3. In one game they won by 14 points and in the other 2 Cleveland won in a major blowout.
Orlando Magic
The Magic rank in the middle of the pack in scoring (15th), but their defense has been the issue this season ranking 21st in opponents' points allowed. On the season they have given up an average of 102.9 ppg, but in their 3 losses to the Cavs they have given up an average of 110.7 ppg.
The Magic have young talent and 4 players averaging in double figures, but do not have a true star. Nikola Vucevic leads the team in scoring and has to play well in this game not only scoring, but playing defense in the lane.
Brandon Jennings has been a pretty good addition to the Magic and his match up with Cleveland PG Kyrie Irving will be key in this game. Jennings is a scoring PG and with the issues the Magic have on D he has to do just that for the Magic to pull out a win in their house.
The Magic are over .500 at home this season (18-15), but they have not faced a great team at home in some time and with 3 bad losses to the Cavs already this season they have a tough road to hoe.
NBA Betting Trends:
- Cavaliers are 2-5 ATS in their last 7 games vs. a team with a losing straight up record.
- Cavaliers are 4-10-2 ATS in their last 16 vs. Eastern Conference.
- Cavaliers have an Over record of 13-6 in their last 19 vs. a team with a losing straight up record.
- Magic are 5-1 ATS in their last 6 games following a straight up loss.
- Magic are 9-4 ATS in their last 13 games vs. a team with a winning straight up record.
- Magic have an Under record of 4-1 in their last 5 games.
Free Cleveland Cavaliers vs. Orlando Magic NBA Prediction:
James is back and the Cavs have beaten the Magic badly in 3 games this season and it will be a 4th time after this game.
4* Free NBA Betting Pick: There's no line yet. Check back later for a free ATS or O/U pick.
The Cavs have covered the spread in their last 7 games against the Magic in Orlando and that trend will continue.
NBA Free Score Prediction: Cavaliers 105 – Magic 90
If you're looking for more picks like this Cleveland Cavaliers vs. Orlando Magic matchup we'll be providing 4* free NBA predictions on the blog all season long, and check out our Experts for guaranteed premium & free NBA Hoops picks!
CappersPicks.com has NBA Odds up on a ton of futures, and you will also find DAILY NBA lines up as well.


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Not all Black Soap is made the same. Mudfarm Organix African Black Soap is Authentic and contains only 4 ingredients: Plantain Skins, Cocoa Pods, Virgin Palm Oil and Shea Butter. Its made and African and hand pressed in Canada. The bulk black soaps are sold in the original packaging from Africa.
Take time daily to cleanse and treat your skin and hair properly by using natural Shea Butter and Black Soap. Its very easy to make your own products by adding Coconut Oil, Almond Oil, Olive Oil and your favorite natural essential oil scent to make your own lotions and creams. You will save money and be rewarded with the effort of making your own natural products that your entire family can share.
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High quality vector image of old fashioned Soviet passenger automobile, isolated on white background. File contains gradients, blends and transparency. No strokes. Easily edit: file is divided into logical layers and groups. Palette contains progressive black.
Please note that not all vector graphics editors support visual effects by Adobe Illustrator.
In the same serie:
• Soviet Luxury Car
• Luxurious Vintage Car
• Oldtimer


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Stress management is simply taking control of all actions that a person does in his or her daily life. Whatever may be the level of stress, there are ways by which one can take control over the stress or at least can mitigate the impact of stress on daily life.
Before taking steps to manage or control the stress, one must understand the nature of the stress and what is the source of the stress. The fact is that no matter how helpless one feels about the stress, one can take steps to stop the decline and gradually bring positives changes in the life. The first and important step is to identify the stress in life.
Know the source of stress
Locating the source Stress counseling services in Mumbai of stress can be easy in case of job change, job loss or change in location. But in daily life it can be difficult to exactly pinpoint the source of stress. Sometimes, it is easy to overlook the own thoughts, emotions and behavior that is causing or encouraging the stress in daily life. By closely observing the habits, attitudes and behavior, one can come fairly close the source of stress in daily life
Answer to these questions will help a person to come closely to the source of stress and then it becomes bit easy to manage it effectively. Unless, a person takes responsibility for the stress level, he or she won't be able to control it.
Everybody has some ways to deal with the stress. The ways are positive or negative. Many people unfortunately have unhealthy ways to deal with the stress.
Steps to manage stress
Physical activity such as light exercises will help to burn frustrations, anger inside the body and person will feel relaxed after that. The exercise period can be increased gradually. The intense activity for 10 minutes will increase heart rate and the sweat will help one to feel relieved. The physical activity can start with just taking walk around the house. The next best things are engage socially and avoid stressful situation or events.
Another important step is to Depression counseling services in Mumbai express your feeling and not let resentment to build up. Also try to find the middle ground with partner for managing stress by compromising a bit. Manage time effectively; it can be a major source of stress. Try to accept the things you cannot control, specially the behavior of others. Avoid the company of those who give you stress. Take problems as opportunity for personal growth. Learn from your mistakes and expand your personality.


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Product Description
For OEM, B2B bulk orders, please contact its factory directly via: Email: firstname.lastname@example.com Mob/WeChat: +008613713792667 Skype: chinaok321 QQ: 50109596
Plug Type Beauty Speaker with Selfie Spotlight
This is a very popular gadgets for your mobile phone, no need App software, just plug and use it. It is a mini subwoofer speaker, also it is a selfie spotlight atmosphere lamp to make your camera photo more beautiful.When you play music, it will flash following the music rhythm. The perfect gift for your loves.
* 2 in 1 Function: 3.5mm Speaker with music atmosphere light + Selfie Fill Light with dual color LED. No matter what kind of function use, you will have a great experience.
* 6 Levels Brightness for Selfie Fill Light: 4pcs warm white LED high / low beam, 4pcs cool white LED high / low beam and all LED high / low beam, which allow you to take selfies anywhere, dark night clubs, parties, camping etc. With these 6 different levels of brightness, you'll find a perfect and natural lighting needed for your photos.
* 3.5mm Speaker with RGB Atmosphere Light: Ultra portable size contains super capacity, no apps required, just plug-in sound out. 3W loud and great clear sound quality, meanwhile red/green/blue atmosphere lamps will flash following the music rhythm.
* Independent Lighting, built-in rechargeable battery, up to 6h working time. It can complement light without connecting to smart phone or other devices.
* Universal for any media device with a 3.5mm jack such as iPad, iPod, tablets, smartphone, laptops, PCs, MP3, MP4, PSP, MP3, CD player, just turn power on and plug it directly to play music or video audio.
* Type :2 in 1 Speaker & Selfie Fill Light
* Material:ABS
* Item Color:Black/White/Rose gold (as your choice)
* Speaker:32mm
* Power:3W
* SNR:90dB
* Frequency Range:20Hz-20KHz
* LED Quantity:8
* Selfie Light Color:Warm white + Cool white (4pcs LED for each color)
* Atmosphere Light Color:Red, green ,blue
* Color Temp.:3500-6000K
* Luminous Flux:Up to 100LM
* Brightness Mode 6 Levels:
4pcs warm white LED high beam + low beam
4pcs cool white LED high beam + low beam
All LED high beam+ low beam
* Battery:Built-in Li-ion 3.7V 350mAh Battery
* Charging Time:About 1h
* Playing Time:About 6h
* Size:4.5*3.2*6cm / 1.8*1.3*2.4″ (L*W*H)
* Net Weight:0.05kg / 1.8oz
Use Instructions:
* Quick double-click to open the audio mode and music atmosphere light, then double-click again can shut down the atmosphere light.
* Audio mode will shut down automatically without input audio in 3min.
* Long press for 1-2s to turn on/off selfie light, single press to switch brightness.
For OEM, B2B bulk orders, please contact its factory directly via: Email: firstname.lastname@example.com Mob/WeChat: +008613713792667 Skype: chinaok321 QQ: 50109596


text: Ok, i do all my internet traffic from youtube. Now I got about 3 accounts All running on my ip address.. Its going perfectly. yay. I want more accounts and more videos, but i DONT want to mess with what I have now. What I need (from what I take on readin through forums) is Either A Proxy Or VPN? Basically i wanna be as anonymous as possible. I dont want to be linked to the other accounts. So what can i do? If I go the proxy route, can anyone recommend me a place with fast proxies at a good price? Also, Is there anyway i can "test" my proxies i buy, to see how anonymous they are? Thanks guys in advanced Johnny5


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Edgerly Announces Retirement
The administration of Oakland Mayor Ron Dellums sought to put a quick end to the controversy surrounding Oakland Administrator Deborah Edgerly this week by announcing that, based upon a longstanding agreement between the mayor and the administrator going back to January, Edgerly will retire effective July 31 of this year.
Until then, Edgerly said, she will continue in her job with full powers as city administrator.
However, Dellums may have raised more issues than he settled when he ended a packed Tuesday afternoon City Hall press conference by refusing to answer reporters' follow-up questions about investigations into Edgerly's June 7 actions surrounding a police towing incident involving her nephew and a later related police raid and arrest of several members of a West Oakland gang, saying that those answers were "self-evident" from the remarks he and Edgerly had just made.
The abrupt ending to the press conference left reporters and camera crews standing around, apparently stunned by Dellums and Edgerly's quick departure from the mayor's conference room.
After Dellums Chief of Staff David Chai was surrounded by reporters following the press conference and began answering a string of shouted questions, a second, unnamed City Hall staff member came behind him, told him "it's time to leave, David," and physically pulled him out of the conference room.
Edgerly was later swamped by reporters on her way to another City Hall meeting but refused to speak further on the matter.
The Edgerly controversy began with a June 7 West Oakland incident in which Edgerly is alleged to have intervened with Oakland police officers while the officers were towing a car that had been driven by the city administrator's nephew, 27-year-old William Lovan. Police later recovered a pistol from the car. Lovan was one of 34 people arrested 10 days later in a police raid on West Oakland's Acorn gang. A police spokesperson said that Lovan was charged with a weapons violation "possibly" stemming from the pistol found in the car in the June 7 towing.
On Friday afternoon, after stories on the June 7 incident were published in the Oakland Tribune and the San Francisco Chronicle, Dellums sent a terse e-mail to all Oakland City staff members saying that "effective immediately, all departments and agencies are to report directly to me regarding city matters."
A spokesperson for Dellums confirmed on Monday that an investigation was being conducted into allegations that Edgerly interfered with a police operation, but refused to comment on published reports that the mayor has given Edgerly an ultimatum to resign or be fired.
"These are very serious allegations and the mayor is looking into them," Dellums Public Information Officer Paul Rose said by telephone earlier this week. "Beyond that, I can't make any further comment because this is a personnel matter."
Rose confirmed following the press conference that Dellums had completed his investigation into the June 7 incident.
Edgerly issued a statement on June 20 calling the "rumors and press stories" surrounding the June 7 incident "shocking" and "untrue and unfounded … I am being tried in the court of public opinion by rumor, innuendo and presumption of guilt."
Edgerly added that she has "not been fired or asked to resign. I have had many gracious and warm conversations with Mayor Dellums over the past three days, as recently as this afternoon. No ultimatums were issued and no decisions have been made."
While media reports described a tense City Hall atmosphere for several days surrounding the controversy, Dellums and Edgerly appeared relaxed and smiling at Tuesday's press conference.
Edgerly joked to reporters that "I'm always amazed at how much star power I have" in being able to pack a press conference. Dellums introduced her as "my friend," adding that he "thank[ed] her for her extraordinary efforts of support in my administration. I have learned a lot from her."
Dellums said that Edgerly had initially approached him by letter on Jan. 28, telling him that she was planning on retiring later this year. Dellums said that he put a $150,000 item in his FY08-09 budget recommendation released several weeks ago that was earmarked to set up a consultant team to conduct a national search for a new administrator.
Edgerly was most adamant about her status during the remaining month in her position. "I am city administrator," she said. "When I walk out of this door today it will be as city administrator, with all the duties and responsibilities of that position. The newspapers have reported that I have been stripped of power. That's not true."
Questioned by reporters on her way to her City Hall office, District 4 Councilmember and City Council Finance Committee Chair Jean Quan confirmed that plans for an Edgerly resignation this year had long been in place, but said that "they had been putting back" the mid-summer date prior to the current controversy.
In the police incident report, written by an OPD officer identified only as N. Miller, the officer said that while he and his partner were in the vicinity of 12th and Market streets as part of the Acorn bust project known as "Operation Nutcracker," he received information that Lovan's car was outside a liquor store at 12th and Market. The informant had overheard Lovan telling another individual about "a firearm being inside of the vehicle."
Sometime before the auto was towed, Miller reports that Edgerly appeared on the scene. "Lovan was her nephew, and she wanted to know why … the vehicle was getting towed and that she was on the phone calling Chief Jordan."
There is no indication in Miller's report of what Sgt. Coleman later told Edgerly in their conversation, or what the city administrator did afterwards. In the report, Miller says that even Lovan himself was not told the real reason why the car was being towed.


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Natural Wooden Letters NEW by POSH Graffiti
Our natural wooden letters 12cm are hand carved from sustainable albizia wood. The large salvaged wooden letters are 43cm high and made from reclaimed teak. The small natural wood letters are not free standing but look great on walls and doors. The large teak letters are very strong and many are free standing and can be used for durable external signage and landscaping.


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Basement Arts Project is a brand new space in Beeston, curated by Bruce & Deborah Davies. They've been working on the cellar of their house to turn it into a studio and gallery, which will be available for residencies and exhibitions on a regular basis.
Check out their current call out for submissions in collaboration with Derek Horton, SPEAKEASY: art in an age of prohibition (closing date for entries is 1st August 2011).
We joined in by facilitating an Unravel workshop on Sunday 15th May: instead of winding the film around tables, we stuck long strips of film to the walls so that people could paint and draw whilst moving around the space. We projected the film in possibly the smallest and most intimate cinema space as yet on the tour... with tea and cake provided, this was a great way to spend a Sunday afternoon.


text: Man what a great looking, feeling, and performance is great for what I can get it to do. Trouble is I can not upload videos from either of my Sony camera's. Some how the remote ass. w/ Apple Care was able to some how. He couldn't do it twice on command and it popped up all of a sudden 10 mins later. So, I have $1300 2012 computer that can't talk to $800 2012 camera for video or a $400 2010 video camera? What's the deal with this? I like the computer, but I have had it 5 days and can not even get close to bring out the features every one say Mac's are great for.


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ADVANCED SEARCHGo
Craft shows are a lot of work to prepare for and chances are you'll be up late with finishing details the night before and up early the morning of. Here's a list to help you get organized when you're overworked and tired 😉
If it's an outdoor show, be sure to include:
– gazebo style tent (if not provided)
– weights for corner of your tent (if it's a windy day)
– weights for corners of table cloth and any light items (if it's a windy day)
– sunscreen
– sunglasses
– water
You may also like these craft related articles:
How To Make The Most of a Slow Craft Show
Slow Craft Show? How To Attract Shoppers Last Minute
Sell More at a Craft Show by Asking this Question
5 Mistakes to Avoid at a Craft Show
How To Test Your Handmade Products at a Craft Show
10 Steps to Get More Done before a Craft Show
10 Questions to Ask Before Committing to a Craft Show
10 Steps to Get Your Handmade Products into Boutiques
Why So Many Handmade Businesses Close Up Shop
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NORTH DARTMOUTH, Mass. — Father Albert Anthony Croce, C.S.C., 95, died February 22 at the Holy Cross Community House in North Dartmouth.
He was born on July 15, 1918, in Brockton, to Amato and Vincenza (Dantuono) Croce. He was the sixth of eight children. Following six years of employment as a tool designer for Pratt & Whitney Aircraft in East Hartford, Conn., Father Croce was received into the Congregation of Holy Cross on Aug. 15, 1943; and made his First Profession of Vows on Aug. 16, 1944. Father Croce received a bachelor's degree in philosophy from the University of Notre Dame in 1946. He made his Final Profession on June 3, 1948; and was ordained to the priesthood on June 6, 1950 after receiving a master's in theology from Holy Cross College, Washington, D.C. Father Croce also later received a master's in English literature from Notre Dame in 1952.
From 1952 to 1958, Father Croce was vice president of Notre Dame College, Dhaka, Bangladesh, where he also served as an English professor. From 1959 to 1961, he pioneered Scuola Media in Santa Croce, Italy. In 1961, he raised funds for Notre Dame College while continuing his education at Boston University. From 1962 to 1963, Father Croce was chaplain for the Veteran's Administration Hospital in Rutland, Mass. In 1963-1964, he co-pioneered Holy Cross' missions in Peru. The following year, he taught English at St. George's College in Chile. From 1965 to 1972, Father Croce was assigned to teach English at King's College in Wilkes-Barre, Pa., where he also served as director of student activities. In 1974, he became assistant to the president in development at Stonehill College in Easton. Father Croce was campus minister and director of Roncalli Hall at the College of St. Joseph in Rutland, Vt. from 1977 to 1979.
He then was assigned as pastor of St. Mary Parish in Brandon, Vt., and St. Monica Parish in Forestdale, Vt.; he served as pastor for nine years.
Father Croce retired to the Holy Cross Community at North Easton in 1988 and was appointed superior of the community house in June 1989. In 1998, Father Croce moved to the Holy Cross Community at North Dartmouth, where he continued to assist parishes in the Diocese of Fall River.
Father Croce's parents, four sisters: Rose (Croce) Keough, Terese (Croce) Meaney, Olga (Croce) Barile, Dahlia (Croce) Perrotta; and his three brothers: Angelo, John and Edmund Croce are all deceased. Surviving family members include his nieces and nephews: Raymond Keough, Maurene Keough, Edward Meaney, Kathie Still, Paul Croce, Edmund Croce, John Croce, Carol Croce, Paula Croce, Lorraine Perrotta and Elaine Happnie. He is also survived by numerous first and second cousins.
A Funeral Mass was held February 27 at the Chapel of Mary, with burial at the Holy Cross community cemetery on Stonehill's campus.
Memorial contributions in support of the mission and ministries of the Congregation of Holy Cross can be made to: United States Province of Priests and Brothers, Office of Development, P.O. Box 765, Notre Dame, Ind. 46556-0765 or online at donate.holycrossusa.org.


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needing help!
hello everyone, Im new to this site and im needing some support and help. My sugar levels are running so high, at times they are in the 400's im on 70 units of lantus at bedtime and humalog during the day (sliding scale).. I have diabetic attacks when i take the humalog and then i just feel awful.. Im just struggling with all of it.. I need to get a good diet as well. anybody out there that can help?
1 reply
You have come to a good place. There are a lot of people here who can help you get through.
With levels that high, I would start by suggesting you sit down with your doctor and tell him what is going on. Make sure you get your points and concerns across and make him listen. He is working for you, so take advantage of that.
When you say you have diabetic attacks, what do you mean? Are you going low?
There is no real "diabetic diet", but there are some things that can help. Are you counting your carbs? Do you have a goal of how many carbs to eat during the day? These are things you can work out with your doctor and then we can help you with food choices and so on.
Next Discussion: More Famous People with Diabetes »


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Belmont House Beer
Belmont House Bed and Breakfast is set in the heart of the delightful Devon fishing village of Beer, a narrow cove between gleaming white headlands, with a gurgling stream running through its centre. Just two minutes walk to the beach, Belmont House B&B Beer is a charming 185 year old flint fisherman s cottage. Surrounded by pubs and restaurants and all in walking distance, Beer is a foodies heaven. Come and stay with us on Devon s spectacular World Heritage Jurassic Coast, a walkers paradise, and you will not be disappointed. A warm welcome and quality accommodation awaits you - Devon s best kept secret. Birthday and Anniversaries are our speciality. Luxury 8 Seater Mini-Bus, with Driver, available for Hire
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The concept was originally based on the photography book, Naked Happy Girls, created by Andrew Einhorn. The New York-based photographer built his work around the premise of shooting real women from the city undressed and in very intimate moments.
Add this show to your queue to receive more information about
Naked Happy Girls and we will let you know when it becomes available.


text: A pen-sized eye scanner could improve access to vision-related health care in the US and around the world, thanks to a grant issued by the National Institutes of Health (NIH) to Lumetrics. The medical technology company received $973,000 from the NIH's National Eye Institute to develop the handheld digital instrument for retina inspection. "The ability to provide comprehensive diagnostic eye care with a handheld device is truly groundbreaking and represents a huge step forward in improved health care access for previously underserved populations," said Congresswoman Louise Slaughter, who visited the company to announce the grant. The camera's development was led by Dr. Fillip Ignatovich, Lumetric's chief technology officer, and Dr. David Kleinman, an academic retinal specialist at the Flaum Eye Institute, also in Rochester. It was made possible through a patent invented by Dr. Steven Feldon, director of the Flaum Eye Institute, and Dr. Geunyoung Yoon of the University of Rochester, both of whom will assist with the project. For more information, visit: www.lumetrics.com


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Phone number: 0478 12....
Email: Click to view
URL: http://radenconstructions.com.au
Year Established: 1990
Trading/Opening hours:
|Mon: 7:00am - 6:00pm
|Tue: 7:00am - 6:00pm
|Wed: 7:00am - 6:00pm
|Thu: 7:00am - 6:00pm
|Fri: 7:00am - 6:00pm
|Sat: 7:00am - 12:00pm
|Sun: - Closed -
|Public Hols: - Closed -
Business Info
Carpentry Contractors.
All Aspects of Carpentry Frame, Lock Up & Fixing
No job to big or small, prompt service
Fully Insured Public & Product Liability
Free Quotes
Frame, Lock Up & Fixing
Home & Office Maintenance. Emergency Service
Pergolas, Decks & Alfresco Areas
Retaining Walls & Feature Fencing
External Cladding Weatherboards & Fibre Cement
Timber Flooring & Floating Floor Installation
Door & Window Replacement & Repairs
Fascia Replacement
Recommend This Business
The review system is a way for customers of this business to easily share their opinion. By sharing your experience with this business, you help other consumers find the right business for them! By leaving a review, you also earn STARPOINTS. Starpoints can be redeemed for cash or prizes like iTunes giftcards. Find out more about Starpoints here.
Some tips when posting a review: When writing a review, see if you can be as balanced as possible. What did you like, what didn't you like? Here are some things to think about - How was the customer service? How was the product or service quality? How was the price/value? Please also check and adhere to the editorial guidelines when posting a review.


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Community leaders and housing experts are skeptical that a bill that would require licensing most rental properties in Baltimore County would help root out zoning and safety violations or slow the transformation of older homes from owner-occupied to apartments.
The experiences of officials in other cities and counties where rental registration has been in effect for decades suggest that while the bill - introduced before the County Council last week - could help strengthen code enforcement efforts in some cases, it could also worsen the divide between landlords and the neighborhoods where they own property.
The bill, co-sponsored by Councilmen Vincent J. Gardina, John A. Olszewski Sr. and Wayne M. Skinner, would require landlords to seek a license for each unit they rent. They would pay a fee - probably about $25 a year - and agree to allow an inspection to determine code compliance, though the county would not always perform one. Licenses would be good for two years, and units could be inspected again at the time of renewal.


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My battery is dead right now, but when it was running, it ran like it was losing power and didn't want to go. It was also making a funny noise.
Hello. The power issue that you were experiencing when your van was running could be attributed to several things. It is possible that you are having a problem with your transmission shifting. It is also possible that there is a bad sensor causing the computer to try and compensate for them, making the van run bad. The van could also need a major tune-up. A tune-up consists of changing the spark plugs and spark plug wires, as well as the fuel filter. I recommend having a certified mechanic inspect your vehicle's loss of power to determine what repairs are needed.
Our certified mechanics come to you ・Backed by 12-month, 12,000-mile guarantee・Fair and transparent pricing


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22 in 22 Campaign!
28 Jun
We are very excited to be collaborating with one of our partners, Neema International, on their 22 in 22 campaign, aiming to raise $22,000 in 22 days!
In support of the 22 in 22 campaign, one of our team, Eric Nelson, will be running the Spanish River Half Marathon (in Northern Ontario) on July 21, 2013 on behalf of Tuleeni Orphanage. If you would like to sponsor him, please make a donation to Help Build Tuleeni a Home! A donation of just $22 is a little more than a dollar per kilometer ran (21km).
Thank you for your continued kindness and support!


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The requested research item does not exist. Please return to Research
Although improvements to Montreal's labor market and demand for office space have remained weak, leasing activity in the financial services industry has been active. Notable transactions continue to affect the industry's landscape, including two large commercial banks that moved more than 330,000 square feet of back office space out of the CBD and into the midtown submarket in the last 12 months. We expect more of this activity as commercial banks and insurance companies aim to consolidate and modernize their office footprints.See what's going on in the Montreal Banking and Financial Services industry, top trends in the market, and what we expect to see in the coming year.
Please fill out the form to download the report.


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Take care of a poinsettia plant by allowing it access to plenty of sunlight, placing it in a location with a steady temperature and not drafts and transferring it to a slightly cooler location during night. Water it only when the soil feels dry to the touch.
Keep poinsettias inside next to a window for as much sunlight as possible, but make sure to keep them away from any drafts. The daytime temperatures need to be between 60 and 70 F with the nighttime temperatures slightly lower from 55 to 60 degrees. Once the soil dries out, water the plant until it seeps through the pot's drainage holes into the plant tray, and then immediately dump out the water in the tray. Feed the plant a few times a month with a water-soluble fertilizer.
After the plant finishes flowering and starts growing shoots in the late winter, trim down the stems until they are only 6 inches tall and snip off all but a few leaves on each branch. As the plant grows, transfer it to a larger pot, and use light potting soil containing peat moss and perlite. You can place the plant outdoors during the day in the summer as long as you water it frequently and bring it inside once the temperature drops.


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Les Blakebrough: Gathering light - Art Collector
|Les Blakebrough, The Kelp # 30. Southern Ice porcelain, 32 x 59 x 45cm. Courtesy: the artist and Beaver Galleries, Canberra
|Les Blakebrough is one of Australia's most eminent ceramic artists. This exhibition continues Blakebrough's investigation into the aesthetic and physical qualities of Southern Ice porcelain and is inspired by the places in which he has lived and worked. All of his works have a luminous quality, revealing an extraordinary precision of technique and an uncompromising insistence on the harmonious unity of form, colour and surface treatment. Many major collections, both in Australia and overseas have collected Blakebrough's work including the National Gallery of Australia, every Australian state gallery, the Imperial Palace Collection, Tokyo and the International Museum of Ceramic Art, Faenza, Italy.
|Exhibition opens: 6-8pm Thursday 7 April 2016
|Exhibition closes: 1 May 2016
|Location: Beaver Galleries, 81 Denison Street, Deakin ACT 2600
|Contact: 02 6282 5294
|Email: email@example.com


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"Wealth Management Super League 2016" benchmarks the world's leading wealth managers by managed client assets and financial performance. The report covers the 25 most prominent institutions, including standalone private banks and wealth managers, as well as competitors that are part of larger universal financial groups.
Browse Detailed TOC, Tables, Figures, Charts and Companies Mentioned in Wealth Management Super League 2016 Market Research Report @ http://www.absolutereports.com/wealth-management-super-league-2016-comparing-the-performance-of-the-world-s-leading-wealth-managers-10375885
At the end of 2015, client assets booked with the world's 25 leading private wealth managers grew by 0.9%. The top three rankings remained unchanged, with Switzerland's UBS leading the way, followed by the US players Bank of America (BoA) Merrill Lynch and Morgan Stanley.
Keyplayers in Wealth Management Super League 2016; Comparing the performance of the world's leading wealth managers
- ABN Amro
- Bank of America Merrill Lynch
- Barclays
- BNP Paribas
- BNY Mellon
- Charles Schwab
- Citigroup
- Citi Private Bank
- Crédit Agricole
- Credit Suisse
And 20 More Keyplayers…
Get Sample PDF of Wealth Management Super League 2016 Market Report @ http://www.absolutereports.com/enquiry/request-sample/10375885
Although industry-wide growth was much weaker than a year ago, pushed down by challenging market conditions and exchange rate fluctuations, most competitors maintained positive new money flows. Looking forward, however, 2016 results will reveal whether HNW investors are indeed ready to trust the biggest players with their money again. This will have a significant influence on wealth managers' financial performance, as they struggle with decreasing margins and growing regulatory and restructuring costs.
Key Findings of this report:
- Combined private clients' assets under management (AUM) held with Super League wealth managers stood at $8.6tn in 2015. More than half of these assets were booked with the largest four players.
- Net inflows in the Super League remained strong in 2015, although they decreased for the first time since 2012.
- Only half of the top wealth managers succeeded in growing their profits in 2015, though the vast majority stayed in the black.
- Growing costs and contracting margins remain the challenge for all major players, as the average cost/revenue ratio of the largest 25 wealth managers stood at an all-time high in 2015.
Have Any Query? Ask Our Expert for Wealth Management Super League 2016 Market Report @ http://www.absolutereports.com/enquiry/pre-order-enquiry/10375885


text:
Genealogical &
Family History of Northern, NY
William Richard
Cutter, A. M.
Online Edition by Holice, Deb & Pam
|CROWLEY. John
Crowley was born in county Cork, Ireland. He had brothers, Thomas and
Dennis, and sisters, Ellen, Julia and Mary. His educational
opportunities in his native land were very limited. In 1850 he came to
this country and located in the town of Stockholm, New York, where he
followed farming to the time of his death in 1900. He married Julia
Mahaney, born in Ireland, 1839. Children: 1. Daniel. 2. Thomas, farmer
at Potsdam. 3. Dennis, farmer at Stockholm. 4. John, died young. 5.
Nora, married Mathew Leonard, farmer of Norfolk. 6. Mary, lives at
Norfolk. 7. Julia, lives at Norfolk. 8. Ellen, married John Murphy. 9.
Margaret, married Henry Barry, farmer.
(II) David, son of John Crowley, was born at Stockholm, New York, in August, 1860, and was educated there in the public
Page 409
schools and at Lawrenceville Academy. He taught school for a few yeas. Then he learned the trade of carpenter and followed it for five years at Brasher, New York. He lived at Stockholm from 1882 to 1886, when he went into business at Norfolk as a general merchant, and continued until 1891. During the next ten years he was employed in the furniture factory of George Spotswood in Norfolk. Since then he has been engaged in manufacturing heavy pants cloth in the firm Bennett & Crowley, with mills in Norfolk. He is also president of the newly organized Norfolk Pants Company. In politics he is a Democrat. He is justice of the peace, an influential member of the town board, member of the board of education, was a milk inspector for one year and postmaster for two yeas under Cleveland's first administration. He is a member of the Modern Woodmen of America. He belongs to the Roman Catholic Church. He had the contract for building the new church in Norfolk, in 1908 under the pastorate of Father O'Brien, of Norwood. Mr. Crowley married, in 1887, Nancy Welch, of Waddington, New York, daughter of Patrick and Mary (Smith) Welch. They have no children.
CUBLEY. Samuel Cubley, immigrant ancestor, was born in England, and came with his family to Essex, Vermont, July 24, 1828. He had sixteen children and grandchildren at that time. He died at Essex, December 29, 1829, and his wife Sarah died May 8, 1829.
(II) William, son of Samuel Cubley, was born in Sheffield, England. He came to Canada when a young man, and worked on the locks of the canal during its construction. He was a marble cutter by trade, and hew settled finally at Woodstock, Vermont, where he died. Hem married Wealthy Kinney, born in Vermont, and raided in Windsor, Vermont, by an aunt, wife of Deacon Hart Smith. Children: 1. Catherine, married G. B. Skinner, of Middleport, Ohio. 2. William, died in infancy. 3. William Hart, mentioned below.
(III) William Hart, son of William Cubley, was born at Woodstock, Vermont, October 28, 1833, died at Massena, New York in September, 1900. He was very young when his father died, and he was brought up by Deacon Hart Smith, of Windsor, and educated there in the public schools. He came to Massena when he was twelve years old and lived there in the family of James Danforth until he came of age, working on the farm and in the carpenter trade and furniture business of his employer. Afterward he continued to follow the carpenter trace, and worked during the winter in the furniture shop. For two years he was employed in the armory at Windsor. In 1867 he engaged in business as an undertaker and dealer in furniture and built up a large and profitable business. He invested freely in real estate and owned much property in Massena and vicinity. He was one of the leading business men of the town, and of wide influence and great public spirit. In politics he was a Republican; he was for several terms town clerk, and for along time was a member of the board of education. He was active in the temperance movement, and sometimes supported the Prohibition Party. He was a Congregationalist. He married, September 15, 1862, Martha S. Jones, of Parishville, born December 26, 1835, died April 16, 1893, daughter of Ralph and Martha (Welch) Jones, of Potsdam, New York. Children: 1. William Herbert, mentioned below. 2. Mary M., born May 1, 1867; married Rev. William Rochester, now of Manitoba, Canada; children: i. Herbert Rochester, ii. Harvey, iii. Ernest, iv. Reginald Rochester.. 3. Charles e., born May 25, 1869, deceased. 4. Frank L., born October 15, 1870; graduate of Rochester University; an attorney at Potsdam; married Bessie Humphrey; child, Elisabeth. 5. Ralph J., born December 30, 1872; lives at Syracuse, New York.
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(IV) William Herbert, son of WilliamHart Cubley, was born at Massena, August 28, 1863. He was educated in the public schools and in Massena High School. He became associated in business with his father and succeeded to the business when his father died. He is the leading undertaker of the town and one of the largest dealers in furniture. He had also an extensive real estate business. In politics he is a Prohibitionist. He is a prominent member and deacon of the Baptist Church at Massena. He married, in 1893, Jessie Mawson, of Georgetown, New York, daughter of Reuben Mawson. She was a school teacher at Massena a number of years before her marriage. Children: 1. Halbert M., born November 13, 1894. 2. Harlan H., July 11, 1897, died July 15, 1907. 3. William H., April 27, 1904.
BURKE. The surname Burke was of Norman origin and spelled De Bergo, or De Bergen. From Normandy, the remote ancestors of the family came to Ireland.
(I) David C. Burke was born in county Cork, Ireland, in 1810, and died in Middlebury, Vermont, in 1879. He received but slight schooling in his native land, but throughout his life was a constant student and reader of books, and thus acquired the equivalent of a liberal education. He came to this country in 1837 and located in Vermont. For about a year he lived at New Haven, in that state, and then located at Middlebury, where he spent the rest of his lie and where he died. He was a well-to-do farmer, a Democrat in politics, and a Catholic in religion. He was a useful citizen. He served the county on the grand jury, and held a commission as justice of the peace. He married, in the spring of 1838, Mary Flynn, who was born in 1818, and died in 1898, daughter of David and Catharine Flynn, all of county Cork. Children: 1. Catherine C., entered a convent and became a nun under the name of Sister M. Dorothy; is manger of St. Vincent Hospital, Portland, Oregon. 2. Patrick F., graduate of Middlebury College, Vermont, class of 1868; now principal of Port Henry high school; married Carrie Tredway; children: i. David A., married Clara Bakeman, and has son, David Edmund, ii. Annie M. 3. Rev. David N., graduate of Middlebury College, class of 1876; was for twelve years in the diplomatic service, consul-general at Tangier, Morocco, Africa; now a Catholic priest at Lake Placid, New York. 4. Annie C., died in 1884, aged twenty-eight years; was a nun in the House of Providence, Montreal, under the name of Sister M. Loretta. 5. John Benedict; graduate of Middlebury College, class of 1872; was principal of Yates School, Orleans County, New York; died in 1874, aged twenty-three years. 6. Bridget E., a nun in the Convent of Mercy at Manchester, New Hampshire, under the name of Sister M. Boromeo. 7. Marry a., died in 1902, aged forty years; was a graduate of Middlebury high school, and for several years was preceptress of the Cobleskill and Port Henry high schools. 8. Edmund Walter, mentioned below. 9. Joseph N., town clerk of Middlebury, Vermont; was postmaster during both Cleveland administrations; has a fine insurance agency; married Lottie Langworthy.
(II) Edmund Walter, son of David C. Burke, was born in Middlebury, Vermont, November 16, 1860. He attended the public schools of his native town. From 1882 to 1887 he was a merchant at Cobleskill, New York. He then he began the study of law in the office of Patrick McRory, of Port Henry, New York, and was admitted to the bar in 1894. He went to Tangier, Morocco, with his brother, David N., being vice-consul, and remained at this post from 1896 to 1898, and since then he has practiced his profession at Chateaugay, New York. In politics he is a Democrat. He is a justice of the peace of the town, and police justice. He is a member of the Knights of Columbus and holds the office of advocate in that order. He is unmarried.
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DELMAGE. The origin of this surname is in doubt. The name itself is derived apparently from some place name and may have been Dutch or French. Many French names are found in Ireland as well as England. The spelling was formerly Dalmadge.
(I) Solomon Delmage was a native of Ireland, where he was a woolen manufacturer. He had eight daughters and two sons, John and James. He died in Chicago, Illinois.
(II) James, son of Solomon Delmage, was born in 1842. He spent his early youth in Quebec, Canada, where he was educated by private tutors and at Toronto University. He was fond of athletics and was a trainer of athletics in college. He went to Chicago and was for a time employed in the office of the Armours. He died at St. Mary's, Ontario, in July, 1904. He married Mary, born 1844, daughter of Christopher Rutherford, of Aberdeen, Scotland. She is now (1910) living at St. Mary's. Children: 1. Mary. 2. Martha. 3. Belle. 4. Dr. Frederick W., mentioned below. 5. Clara. 6. Farnhill. 7. Edith. 8. Edgar. 9. Emeline.
(III) Dr. Frederick W., son of James Delmage, was born at St. Mary's, Ontario, January 27, 1871. He attended St. Mary's Collegiate Institution and entered Toronto University, from which he as graduated in the class of 1895. He studied his profession at McGill Medical College, Montreal, graduating with the degree of M.D. in 1897. He began to practice bat Barre, Vermont. After two years in that town he located at Russell, New York, remaining for a short time. Since 1900 he has been in Hermon, New York, where he has built up a large and interesting general practice. He is a member of the county and state medical societies. He is a prominent Free Mason, a member of Hermon Lodge, No. 500; of St. Lawrence Chapter, No. 132, Royal Arch Masons, of Canton; of St. Lawrence Commandery, No. 28, Knights Templar, of Canton; also of DeKalb Lodge, Odd Fellows; of the Independent Order of Foresters of Hermon, and of the Maccabees of Russell. In politics he is a Republican; in religion a Universalist. He married, September 3, 1903, Lottie, daughter of William McCuaig of Ottawa, Canada. Children: 1. Rosina, July 8, 1905. 2. Marion, November 21, 1907.
FERRELL. John Ferrell was born in county Kildare, Ireland, 1819, died at Chateaugay, New York, 1892. He received a common school education in his native land. In 1847 he came to this country and settled at Chateaugay, where he followed farming until the time of his death. In politics he was a Democrat, and he served the town as collector of taxes and in other offices of trust and respectably. He married in this country Johanna Bowles, born 1834, daughter of George Bowles, a native of county Tipperary, Ireland. His wife died at Chateaugay, in 1902. Children: 1. George, died in 1902; was a printer by trade. 2. Minnie, married Richard Burke, of Plattsburg, a railroad man. 3. John L., died in August, 1909; an electrician by trade; married Elizabeth Carver, of Westport, New York. 4. William H., died n 1889, aged thirty-seven years; was employed in the United States custom service at Plattsburgh; married Catherine Corbett, of Whitehall, New York. 5. Frank W., mentioned below. 6. Elizabeth, married A. B. Cooney, attorney-at-law of Malone, New York; children: Anna, John, and William Cooney
(II) Frank W., son of John Ferrell, was born at Chateaugay, July 26, 1866. He was educated in the public schools of his native town, and learned the printer's trade. He worked at his trade as an apprentice and journeyman until 1892, when he founded the Franklin County Democrat at Chateaugay. The paper gave its hearty supports to the Democratic Party in the Cleveland campaign. In the same year he bought the Chateaugay Record and has been its editor
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and publisher since then. He is a Democrat and has been town clerk of Chateaugay. He is a director of the Chateaugay Agricultural Society and a member of Wadham Council, Knights of Columbus, of Chateaugay. He married, June 28, 1893, Annie O'Neil, born August 9, 1865, daughter of Patrick and Bridget (Burke) Oneil, of Chateaugay. They have one son, William Ferrell, born December 23, 1901.
FITZPATRICK. This is an ancient Irish family, famous in the history of its native island home. Its members are widely dispersed, and in the United States are represented in every honorable walk of life.
(I) Philip Fitzpatrick, son of Philip Fitzpatrick, was born at Killnussen, Ireland. He was a large land owner there. He came to America in 1826 and settled at Plattsburgh, New York, where he died in 1828. He followed the trade of a carpenter in this country. He was a member of the Catholic Church. He married Mary Cooney. Children: 1. Lawrence. 2. James. 3. Michael. 4. Matthew. 5. John. 6. Simon. 7. Margaret. 8. Thomas. James is the only one of the children living at this date (1910). All the sons remained in northern New York except Michael, who went west and died in San Francisco, California. He was an engineer; married Catherine Broda. Lawrence was a farmer in Clinton County; married Ellen Connor. James was a brickmaker; married Catherine Eagan. Matthew was a farmer; married Maria Cowley, John, farmer, married Fannie Cowley; Simon, also a farmer, married Margaret O'Brian. Margaret, married John O'Brian.
(III) Lawrence, son of Philip (2) Fitzpatrick, was born in Ireland, near the city of Dublin. He learned the trade of brickmaker in Ireland, came with his father to this country in 1826, locating in Plattsburgh, where he died at the age of eighty years. He followed farming and brickmaking at Plattsburgh. He married Maggie Connors. Children: 1. Philip H. 2. John D. 3. George L. 5. James. 5. Thomas. 6. Peter. 7. Margaret. 8. Mary, all of whom are deceased, except John D., mentioned below.
(IV) John D., son of Lawrence Fitzpatrick, was born at Schuyler Falls, New York, in 1838, and is now living at Plattsburgh. He received a common school education and learned the trade of brickmaking. He was a prosperous farmer. He married, in 1871, Anna L. Bathurst, born at Dalhouse Mills, Glengarry County, Ontario, daughter of William and Sadie (Thayer) Bathurst. Children: 1. Margaret, died in infancy. 2. :Lawrence W., an officer in Dannemora State Prison; married Lucy Grattan; children: John, Charles E., Lawrence W. 3. Sarah E., a teacher in the public schools of Plattsburgh. 4. John Masterson, resides at Minneapolis, Minnesota; is a member of the construction corps of the United States Engineering Service; married Della Fay; children: Genevieve and John. 5. Abigail, married James Conroy, a farmer of Plattsburgh; children: i. James, ii. Thomas, iii. Anna, iv. One child died in infancy. 6. Thomas J., mentioned below. 7. Mary J., lives in Plattsburgh. 8. Twin of Mary, died young. 9. James Peter, a farmer of Plattsburgh. 10. Lemuel B., a farmer of Plattsburgh. 11. Child, died young.
(V) Thomas J., son of John D. Fitzpatrick was born at Plattsburgh, October 6, 1881, and was educated there in the public schools, including the high school and also at the State Normal School at Plattsburgh. He taught school for a period of ten years. he began to study law in the office of John B. Riley, of Plattsburgh, and graduated from the Albany Law School in 1907. He was admitted to the bar the same year and opened an office at Chateaugay, New York, where he practiced since 1908. He is an independent in politics. He is a member of the Knights of Columbus. He married, March 28, 1910, Mary E., daughter of Michael and Catharine (McLaughney) Nolan, of Chateaugay, New York.
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FOGARTY. This is the second generation of the Port Leyden family of Fogarty in the Untied States. Thomas Fogarty, the father, was born in Tipperary, Ireland and oncoming to the United States settled in New York City. He was a member of the roman Catholic Church, and after coming to the United States and becoming a voter, affiliated with the Democratic Party. He married, at Rome, New York, 1854, Catherine Maloney, born in Limerick, Ireland. She came to the United States at an early day, and became a resident of Rome, New York. Children: 1. Edward, born January 5, 1855. 2. Michael, August 31, 1857. 3. John C., see forward. 4. Mary, 1861. 5. James, March 6, 1863. 7. Margaret or Marguerite, 1865. 8. Julia, 1867. 9. Thomas, 1869. 10. Sarah, 1871. 11. Catherine, 1873.
(II) John C., third child of Thomas and Catherine (Maloney) Fogarty, was born in Redfield, Oswego County, New York, September 1, 1859. He was educated in the schools of Stetville and Oneida, New York. On arriving at proper years he entered the knitting mills at Stetville, and was there in constant employment for five years. He then removed to Amsterdam, New York, where he remained thirty years, working in the knitting mills as foreman and in other capacities. He had acquired a thorough knowledge of the methods of manufacture as well as the needs and demands of the trade. In 1904 he associated himself with others and organized the New Hartford Knitting Company, with mills at New Hartford, New York. Mr. Fogarty was manager of the mill, which position he retained three years, when he disposed of his interest and removed to Port Leyden, New York. In 1907 the Port Leyden Knitting Company was organized. The village donated a site for the plant, which has since been put in successful operation. They make a specialty of children's knit underwear, employing about seventy-five people, Mr. Fogarty is the efficient manager of the company. During his long residence in Amsterdam he was active in the public left of that city, serving as collect of taxes. He is independent in his political views, following his own convictions rather then party dictates. He is a member of the Catholic Church, which he supports with the fidelity characteristic of him in all his undertakings and obligations. He married, in Amsterdam, New York, Margarette Maxwell, born in Cohoes, New York, 1864, daughter of William and Margarette (Fisher) Maxwell. Mr. Maxwell was foreman of a department of the knitting mills at Amsterdam, New York, and has other children: Mary, Edward William, John, Belle, Lillian, and Walter Maxwell. Children of John c. and Margarette (Maxwell) Fogarty: 1. John, born November 4, 1884, married Nettie Bierge, and has a son, Maxwell Bierge. 2. M----------, born November 14, 1885; married Charles Burns, of New Hartford, New York, and has a daughter, Margarette Burns.
McCARTHY. Eugene McCarthy came of a prominent family in old Irish ancestry in county cork, Ireland. He lived and died in his native county.
(II) John, son of Eugene McCarthy, was born in county Cork, Ireland, in 1811, and had some schooling in his native parish. He came to America in 1845 and located at Brasher Falls, New York, where he followed farming for the rest of his life. He married, in Ireland, Mary Lorden, born in county Cork. Of their seven children, the three eldest were born in Ireland, the others in this country. Children: 1. Eugene, deceased. 2. Michael. 3. Thomas, a farmer at Stockholm, New York. 4. Margaret, lives at Stockholm. 5. John Henry, mentioned below. 6. Mary, lives in Chicago. 7. Daniel, deceased.
(III) John Henry, son of John McCarthy, was born in Brasher Falls, New York, May 1, 1850. He was educated there in the district schools. He followed farming
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in his younger days, and afterward had charge of a farm for Calvin T. Hulburt for thirteen years. He went into business for himself in 1886 as proprietor of the Brasher Falls Department Store. In 1886 He entered partnership with Mr. Wells, under the firm name of McCarthy & Wells. He bought out his partner in 1903, and in the year following admitted his son, Walter H. McCarthy, as partner, sine which time the firm name has been McCarthy & Son. He is a Republican in politics, and was town clerk for six years, supervisor for ten years, chairman of the board of supervisors of the county for two years , and for three years had been chairman of the purchasing committee of the board of supervisors of St. Lawrence County. He is a member of the Republican town committee.
He married (first) in 1875, Mary, daughter of James and Isabelle McCuin, of Brasher. His wife died in 1894. He married (second) in 1901, Mrs. L. C. Lang. Children: 1. Bertha, born June 24, 1876. 2. Walter H., March 8, 1879; associated in business with his father; was educated in the public schools and at the Rochester Business College; married Catherine Lyons, and has a daughter, Helen. 3. Charles, born January 3, 1881, died July 15, 1900.
FORBES. The surname Forbes is identified with Forbush and is of ancient Scotch origin. The family as in Aberdeenshire and Argyleshire before 1200 and possesses the lordship of Forbes.
(I) Jacob Forbes, said to have been born in Scotland, was an early settler of Oneida County, New York. In 1790 he was living at Canajoharie, Montgomery County, and had three males over sixteen and three females in his family. His son Jacob was also head of a family, and Hannah, perhaps a daughter-in-law, and Nicholas, probably another son.
(II) Jacob (2), son of Jacob (1) Forbes, was born about 1760 and lived in Oneida and Montgomery counties, New York. His wife lived to the great age of ninety-seven years. Children; 1. Chauncey. 2. Charles. 3. George. 4. John. 5. Harriet. 6. Sophia.
(III) Charles, son of Jacob (2) Forbes, was born in Oneida County, New York, near the present city of Utica, about 1824, died in 1897. He had a common school education. He went to work in Pennsylvania when a young man and settled in Crawford County. He was a farmer all his active life. In politics he was a Republican; in religion a Methodist. He married, about 1845, Mary Clifford, born at Oneida County, New York, died in 1896, aged sixty-six. Children: 1. George Irving, hotel proprietor, Minnesota. 2. Elbert Orlando, mentioned below. 3. Flora A., married J. D. Roberts, an attorney-at-law at Meadville, Pennsylvania. 4. Melvin, lives on the homestead in Crawford County, Pennsylvania.
(IV) Elbert Orlando, son of Charles Forbes, was born may 29, 1855. He attended the public and select schools of his native town. He worked for his father during his youth and, when he was nearly of age came to Utica and worked at cheese-making. In 1877 he went to Fairhaven, Vermont, and engaged in manufacturing cheese, in partnership with a Mr. Hunt, and continued until 1881 when he came to Fort Covington, New York, and made his home. He built a plant for the manufacture of butter, and has carried on business there to the present time with great success. He installed the first separator for use in butter-making in this part of the country and has always used the most advanced machinery and most progressive methods in his business. He was one of the founders of the Fort Covington Banking Company, organized in February, 1906, and was on the original board of directors and the first vice-president; since 1907 he has been president of this bank. He is interested in public affairs and education, and has for many years been president of the
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board of education and a trustee of the incorporated village. He is a member and past master of Aurora Lodge, No. 383, Free and Accepted Masons, of Fort Covington. For many years he was chief ranger of the Independent Order of Foresters. He attends the Presbyterian Church. He married, in 1896, Dora L., daughter of John S. and Kate (Ward) McCoy, of Fort Covington. They had one daughter, Mary, who died at the age of ten months.
GRANGER. The father of the Granger family of Lowville herein considered was Lewis Granger, born at Glendale, New York. He was educated in the common schools, and followed the business of farming all his active years. He married Melissa Hulburt, at Lowville, New York, December 20, 1853; she was born in Martinsburg, Lewis County, New York, March 29, 1838, daughter of Modiah and Harriet (Mott) Hulburt. Her father was born January 7, 1809, died January 24, 1881. His wife, Harriet Mott, was born May 3, 1818, died September 25, 1893. Children: 1. Melissa, married Lewis Granger. 2. Jennie, married William Bullock, of Lowville, New York. 3. William, died in infancy. 4. Nancy, married Oscar Robbins, of Glenfield, New York. 5. Elizabeth, married Nathan Gregory, of Falls Mills, Jefferson County, New York. 6. Dora, married Matthew Perkins, of Boonville, New York. 7. Eben, of Boonville, New York. 8. Erwin, of Crystaldale, New York. Lewis and Melissa (Hulburt) Granger were the parents of four children: 1. Adella, married Richard Dawson, of Lyons Falls, New York. 2. Alfred L., married Addie Loomis, of South Champion, New York. 3. William S., of Carthage, New York. 4. Hubert N., see forward.
(II) Hubert N., son of Lewis and Melissa (Hulburt) Granger, was born in Montague, Lewis County, New York, January 10, 1870. He attended the public schools until he was fifteen years of age, then began the more serious task of making his own way in the world. He learned the trade of millwright, which he followed for several years. He, however, had an inborn love of he soil and of out door work, which carried him back to the farm. He located on a farm near Lowville, where he installed a fine herd of the best grade of milk producing cattle and conducts a successful dairy establishment. He is a Republican in politics and attends the Methodist Episcopal Church. He married, at North Huron, Wayne County, New York, November 29, 1889, Mattie E. Hubbard, of Copenhagen, Lewis County, New York. She was born at Barnes Corners, Lewis County, New York, March 26, 1864, daughter of Benjamin F. and Margaret E. (Clark) Hubbard. Children: 1. Floyd, born at Copenhagen, New York, January 3, 1895, died May 19, 1896. 2. Carl, born in Denmark, Lewis County, New York, December 22, 1899, died at Casterland, New York, April 1. 1900.
Benjamin F. Hubbard was born in Cape Vincent, Jefferson County, New York, and was interested in several lines of business in that town, farmer, butcher, and market gardener, a successful and fairly prosperous man. He married, at Cape Vincent, November 15, 1856, Margaret E. Clark, and in 1857 removed to Barnes Corners, Lewis County, where they lived for twenty-six years. Children: 1. George S., born August 14, 1857, at Cape Vincent; married Jennie E. Green, of Barnes Corners, New York. 2. Mattie e., married Hubert N. Granger. The Hubbard family were among the very first settlers of Cape Vincent, the first of the name there being Barnett Hubbard, grandson of Nodiah Hubbard,. a soldier in the French and Indian War, and with his three sons served all through the Revolutionary War in the Continental Army. Samuel, son of Nodiah Hubbard, was born August 21, 1750, died
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at Cape Vincent, New York he married Mary Barrett, son (?) daughter of Samuel and Mary Hubbard, was born May 14, 1788, died May 14, 1868, at Barnes Corners, New York. He settled in Jefferson County, New York, and was one of the earliest inhabitants of Cape Vincent. He married Rachel Ingalls, born January 20, 1797, died at Barnes Corners, December 17, 1871. Their son, Benjamin F Hubbard, married Margaret E. Clark, and they are the parents of Mrs. Hubert N. Granger.
Lewis Historical Publishing Company, Inc., 1910
This book is owned by Pam Rietsch and is a part of the Mardos Memorial Library
Transcribed by Holice B. Young
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Digital Visuals
It is increasingly easy to create visuals. Give it a try with one of the sites below! Be mindful of copyright, privacy issues and appropriateness for your learners. Consider ways to involve content and language development. Many of these can be embedded on another platform such as a blog or wiki. (There are also a growing number of great apps.) Happy creating! *My favs.
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Create your own word clouds, but think outside the box for their uses in you educational setting. Happy word clouding!
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Continued Strength in the Dollar IndexAndy Waldock Follow |
The Dollar Index made an interim high when the market appreciated Janet Yellen's dovish statement following the March FOMC meeting. The market has consolidated over the last couple of months between the recent highs and the support that has built up around 93 in the Index. The Dollar's decline over the last couple of weeks has been bought by commercial traders. We sent a COT buy signal last night. It was based on these factors and triggered by an upturn in our proprietary short-term market momentum indicator.
The brief guidelines for this methodology are based on siding with the commercial traders' momentum and using short-term, speculatively driven counter moves as entry points. Fine tuning the entries allows us to trade comfortably using the weekly commitment of traders data. Last night's Dollar Index COT buy signal met all of these criteria.
Commercial traders have flocked to the buy side as the market has held above 93. Will this morning's rally start the next leg up, through the resistance?
I believe that a good portion of this morning's rally is based on speculative short covering along with commercial traders buying to goose the market above its recent downward channel. Clearly, the move is being spurred by the potential for higher domestic interest rates as Jerome Powell, Governor of the Federal Reserve suggests there could be two rate hikes this year rather one. The potential of some yield to be earned on cash along with the deteriorating Euro currency has also helped pull global traders into the Dollar.
Based on the market's recent actions and per our email to subscribers last night, we've bought the Dollar Index and placed a protective sell stop at the recent low of 93.30. This morning's move is testing the downward resistance. A close above the downward trend line confirms the change in direction.
DISCLOSURE: The views and opinions expressed in this article are those of the authors, and do not represent the views of equities.com. Readers should not consider statements made by the author as formal recommendations and should consult their financial advisor before making any investment decisions. To read our full disclosure, please go to: http://www.equities.com/disclaimer


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Times are tough, my fabulous friends. There are women crying in their Cheerios about how they're never going to meet a man to marry and have babies, "When will I find the One? I wish I was married!" and then on the other hand, there are women who ARE married, who are asking themselves, "Is this all there is? I wish I was single!" Do these women not talk to each other? I've been married, I've been single and both have their good and bad points. Do we not learn from our own histories?
People seem to be spinning their wheels, addressing "his issues" or "her issues," when a more productive path is addressing "my issues." Women want their husbands to be more emotionally available, and husbands just want to have a beer and watch the game in peace. Once people start figuring out that the most influential person in their own relationship is themselves, and therefore, any positive changes must come from within themselves, *then* we may start getting somewhere.
I think many people feel now that it should be perfect all the time, even though by definition, humans aren't perfect. Then it's as though they think once they've found "it," relationship bliss, that it's going to go on with no help at all, no effort, or very little. Like self-perpetuating motion. "I shouldn't have to tell him what I need, he loves me, therefore he should know." Bull. "I shouldn't have to ask her for sex, or get her warmed up with affection, she should just be ready when I am." Also bull. Just like self-perpetuating motion (conservation of momentum) has a net value of zero, this whole idea that "it will work itself out" also has a value of zero.
If you don't believe me, look up Newton's laws on physics.
Speaking of which, the first law, the law of inertia, is a big one in relationships. Go with me on this: "An object at rest tends to stay at rest and an object in motion tends to stay in motion with the same speed and in the same direction unless acted upon by an unbalanced force." So pretty much people can change, but they resist it. They'll go with what's working in their lives (whether it's "really" working or not) until something comes along to influence or encourage them to change.
That's where Isaac's Second Law comes into play, "The acceleration of an object as produced by a net force is directly proportional to the magnitude of the net force, in the same direction as the net force, and inversely proportional to the mass of the object." Ok, so a big influence will hav a big influence, and a small influence will have a small influence. Make sense? You want big changes, you have to make big changes, you want small changes, you make small changes, how about that?
And then the kicker, Law number three, "For every action, there is an equal and opposite reaction." Ok, in relationship terms, you have to give as good as you get. Do unto others and all that.
Put it all together and you get this: Your stagnating or unhealthy relationship will resist change (object at rest tends to stay at rest) until you put a positive influence on it (the unbalanced force), and depending on how big or small (the magnitude of the net force applied) your positive influence is (action), that will determine how big the positive change will be in the relationship (reaction).
Am I a genius or what?
Just like anything else in life, you have to work for what you have. True, it shouldn't be "hard" work, but it's not always going to be easy sailing. You also have to EARN what you have. So this goes to the idea (which seems lost in the media frenzy of instant gratification, just add water– or alcohol) that if you want to have a good partner, you have to first BE a good partner. Is this idea completely lost out there? Or is it pretty much understood academically, but once it's time to put it into practice, all good intentions go flying out the window? Kind of like cramming for the final the night before the exam.