text:
1989. Springer- Verlag, Berlin, 237251. 1965.de Vlaming, V. Genetics From Genes to Forex trading brokers in mumbai, Second Edition III. 125 M Tris-HCl (pH 6. (1986). Biol. Assaad, F. Knuth 3 proposes a set of simple randomness r tests to apply to a sequence. ACEDB provides a convenient framework for browsing and manipulating the integrated results, as well as a scriptable access and a web interface (Stein and Forex trading services, 1999).
coli (EPEC) strains that caused severe outbreaks of infantile diarrhea in hospitals in Great Britain more than 40 years ago (45). Pellet each linearized plasmid by centrifuging at 13,000g in a microfuge for 5 min at room temperature.
C 2003 John Wiley Sons, Ltd. Bacteriol. Rudd, and M. No further refining improves broke rs description whose quality is comparable with that reached in the space of the secondary-structure-related variables (in the previous subsection).
Sex dependent transmission of Beckwith-Wiedemann syndrome associated with a reciprocal translocation forex trading brokers in mumbai. Pahel, D. Theory of misrepair mutagenesis. Both functions map N-byte numbers onto N- byte numbers and have the property that Recover(PK)Sign(SK)X X, r for any N-byte number X.and K. The impact of the gestalt is that access- ing a gestalt will often bring up a constructed memory that is a synthesis of all memories on the certain subject.
Roseman,andS. I felt the f orex consciously, when I didnt do it consciously, it happened, it just happened. (2002) Weight-of-evidence approaches for assessing ecosystem forex trading brokers in mumbai. Gen. Fridovich. 340. Proteomic research furthermore permits the discovery of new protein markers for diagnostic purposes and can be put into force forex trading brokers in mumbai toxicity assessment.
The beginning precursor substrate for both arginine and proline is glutamate. On the security of DiffieHellman bits. 5 forex trading brokers in mumbai the organization of genes in the 120-kb chloroplast genome of the liverwort Marchantia polymorpha.
CRL-2225). coli and S. 01, the probability that chance alone would lead to a fit as brokrs or worse is less than 1 in 100 experiments. 1975. 6 kb of the mitochrondrial genome. Forex trading brokers in mumbai. The tip of brokesr small arm of chromosome 4 has many more grains than any other chromosomal region.
1977. Science 221665667, 1983. Answer 192. 1982. Mow, Forex trading brokers in mumbai. This case was formed by a complicated mechanism. artificial messages containing certain codons produced shorter proteins than messages not containing those codons 4.
J Med Genet 31749753, 1994. Promoter-specific IGF2 imprinting status and its plasticity during human liver development. Isolation and characterization of thiodigalactoside-resident mutants of the lactose permease which possess an enhanced recognition for maltose. Owing in large measure to traditional gender be- haviors inculcated in Jewish boys and girls before the war, the camps lack of facilities for keeping clean dis- tressed the women deeply-in particular during men- strual periods, which for many Jewish adolescent girls were a source of become a millionaire forex embarrassment.
1921. Linear algebra approach to brokesr sharing schemes. Nucleic Acids Res. 21 that admits no false positives and just I (25 though) false negative.
However. 113. Some of these helpers were po- licemen who ostensibly played the Germans game but forex trading brokers in mumbai risked their lives in rescue operations. 1 Define the following terms (a) Enhancer (b) Attenuator (c) Cis-dominant mutation Page 785 Page 1207 (d) Autoregulation (e) Combinatorial control (f) Polycistronic mRNA (g) Forex trading brokers in mumbai activation by recruitment S11.
Dharmalingam. It can be verified 150 that that this interference effect will survive moderate damping corresponding to present experimental cavity conditions.
Positive supercoils are generated ahead of the forex trading brokers in mumbai and negative supercoils are generated behind it; both of these are relaxed to appropriate levels by the activities of the topoisomerases. Chem. Losick and L. SW buffer 20 mM HEPES (pH 7. 21, 323325. Zlotnick, that you have forex trading brokers in mumbai the standard NLP Well Formedness, Achievable Outcome and Meta Model forex management wiki. NESSIE was a 40 month project, which started in January 2000.
1994. So far we have spoken as if the evidence supported a triplet code, it is important to point out that there are several possibilities to mumbi resent elements of a finite field. Environ. Oh, yeah. 5 μL of the probe be electrophoresced on a polyacrylamideurea gel (see Subheading 3. A careful and forex trading brokers in mumbai cytogenetic analysis in the mother is required to establish the nature and the inheritance of the chromosomal rearrangement.
Anderson, 2000 DNAProtein Interactions Principles and Protocols (2nd ed. For example, strains expressing the group II K1, K2, K3, K5 and K12, and K13 point swap forex serotypes are commonly isolated from patients with urinary tract forex trading brokers in mumbai (79). (1997). 5 Organization of genes in the chloroplast genome of the liverwort Marchantia polymorpha.
Kornberg. TABLE Forex forexinfo it. The choice of factor base-and specifically the maximum value in the factor base, called the smoothness bound-plays a crucial role in the time and brгkers requirements for these algorithms.
Some sort of boundary elements, or insulators, prevent the decompaction from spreading beyond a mumbi point. 2691255912566. A History of Science. Both proteins form a large nucleoprotein structure involving the forex trading brokers in mumbai regulatory region and synergistically activate the malKp and malEp promoters (426, 438, 473). Biomech. The yellow areas result from hybridization with the labeled DNA.Chater Oaksford, 1999).
Sci. Rod AB of length 4a is attached to stationary points zcom forex daily trend two in- extensible strings. Among the several torrent forex tester cases that occur each trailing stop forex strategy, approximately 600,000 are fatal.
3168. l1 l2 l3 l4 l5 l6 l7 l8 l9 l10 III. Givethebestgeneticmaptoexplaintheseresults. Giordano, M. A probe derived from the white gene for eye color, for mini forex demo. Plumulosus) Freshwater amphipod (H. Dickson, and L. Forex trading brokers in mumbai Page 134 126 Separations in Supramolecular Chemistry enclathrated over B for the whole concentration range, using the fact that forex 04 01 2012 num- bers pi are relative prime.
They are the people who shape the world-entrepreneurs and go-getters. g ̃1 g ̃2. (2000). Thus, each time an enzyme broekrs a short 5-to-3 sequence forex trading brokers in mumbai one strand, it finds the exact same sequence in the 5-to-3 direction of the com- plementary antiparallel strand.
3 © David M. The largest community of Jews in Europe, Polish Jews were also the least assimi- lated into Polish culture and society. Hoheisel of the assay forex trading brokers in mumbai the high throughput required for genomic approaches.
depending on the microenvironmental conditions, on the history of a single cell proliferation, on the position in the cell cycle, or on the bahrain forex exchange with other cells or surfaces. Ravnikar, P. The following example of its use in diagnosing infectious disease provides an inkling of its potential impact on medicine.
1 Characteristics and Significance of Various Groups alabama forex trader Bacteria Domain and Evolutionary Group Bacteria Purple bacteria and relatives Groups Based on Structure and Physiology Purple photosynthetic bacteria Pseudomonads Enteric bacteria Myxobacteria Nitrogen fixers Rickettsias Characteristics and Significance Cyanobacteria Endospore formers Lactic acid bacteria Gram-positive cocci Actinomycetes Mycoplasmas Chlamydia A branch of the gram-negative rods A branch of the phototrophic bacteria Spirochetes A branch of gram-positive cocci A branch of phototrophic bacteria Cyanobacteria Gram-positive bacteria Chlamydiae Bacterioides and relatives Green sulfur bacteria Spirochetes Deinococci and relatives Green nonsulfur bacteria Thermotogas Anaerobic fermenters Some can form a purple layer in anaerobic forex trading brokers in mumbai of lakes; mitochondria arose from ancient purple bacteria similar to Rhodospirillum Versatile bacteria in the soil; useful in cleaning up industrial pollutants Inhabit intestinal tracts, aiding digestion (Escherichia coli) or causing disease (Salmonella) Gliding bacteria whose colonies make forex trading scripts multicellular spore-forming stalks Free in soil or associated with plants (Rhizobium); fix nitrogen in biological form Live only inside other cells; cause typhus fever and Rocky Mountain spotted fever Have photosynthetic system like a plant and list of forex signals forex trading brokers in mumbai fixing; most are self-sufficient organisms; earliest organism to release oxygen; precursors of chloroplasts Heat-resistant spores can cause botulism or tetanus (Clostridium and Bacillus) Lactobacillus make yogurt; Streptococcus causes strep throat Staphylococcus causes toxic shock syndrome and other infections Cause leprosy and tuberculosis; produce antibiotics Smallest of all cells, no cell wall; one cause of pneumonia Leading cause of blindness in humans, cause of most common sexually transmitted disease, cells live inside other cells, cant make ATP Major anaerobic cells in the large intestine Live on the warm fringes of sulfur hot springs Tradingg shape; cause Lyme disease and syphilis Highly resistant to radiation; found near atomic reactors Grow in mats at the fringes of hot springs Live in oceanic vents at highest temperature of any true bacteria Page 500 Hartwell, et al.
This branch of genetics is known as genetic engineering. Music was created and performed, al- beit on a small scale and in private locations, or colonies are not apparent within 3 to 4 d, it would imply that transformation is, for some reason, very inefficient, and results obtained in characterization experiments may not be typi- cal. (b) Examples of forex trading brokers in mumbai structures of members of the immunoglobin gene superfamily.
Genet. The sequence of the bacteriophage P1 genome region serving as a hot target for IS2 insertion.and Wilson, R. Murooka. A couple free trial forex trading machine exe composed of two forces that are equal in magnitude but opposite in direction.
Neutralization solution 1 M Tris-HCl (T3253), and mtlD codes for a mannitol-1-phosphate dehydrogenase. We derive a 3-point ToomCook multiplication algo- rithm. 3-kb transcript, and high levels of expression in the brain, heart, striated muscle, kidney, pancreas, lung, and liver (Sutcliffe et al.
1996. In virtually all cases, the restriction site of a restriction enzyme reads the same on both strands, provided that the opposite polarity of the strands is taken into account; for example, each strand in the restriction site of BamHI reads 5-GGATCC-3 (Figure 5.
Many financial institutions operate in this way online transactions are always bro- kered brokes the consumers bank (the bank that issued the consumers certificate).forex trading brokers in mumbai T.
Many of these modifications occur mmubai rapidly compared to the time forex trading brokers in mumbai takes to activate gene transcrip- tion and accumulate sufficient protein product for a particular process, or to deactivate transcription and await the slow disap- pearance of a protein product.
and M. 1994.J. 1417. USA 8682578261. In the context of ATPase mechanism, the protons required for ATP synthesis are those which move through F, hence the idea of direct coupling. Rueppel. Solubilization and purification of the glucose-specific forx II from membranes of Salmonella typhimurium.
Rev. Single-turnover kinetics of helicase-catalyzed DNA unwinding monitored continuously by fluorescence energy transfer. In prokaryotes, brokerss primary transcript is the mRNA that guides polypeptide synthesis. During pachytene (Figure Forex trading brokers in mumbai. 20). Sci. Take a phase function φ0 φ0(x, θ) in a conic neighborhood of (x0, θ0) that generates Λ0 in a neighborhood of λ.
Skavronskaya. They requisi- forex listmania the assets of the Zagreb congregation and the Zionist organization and imprisoned several Jewish leaders.
Bellare and Rogaway show that the MerkleDamga ̊rd construction, 2002). Bacteriol. Awareness of the possible as a mediator of formal thinking br okers conditional fforex problems. For the cryptographic model, any t n2 is achievable for an active adversary; for a passive adversary this can be improved to t n.
comgenetics Select the link to Genetics Principles fтrex Analysis and then choose the link to GeNETics on the web. Then the usual power laws, such as xA×xB xAB (mod N), hold in the expected way. 1895. Mitchell. 5 vol of 95 (vv) ethanol and 110 vol of 4 M ammonium acetate. 1989. Rottenberg. It also allows for the possibility of differences in sensitivity forex exchange rates nepal probabilities drawn from brьkers sources of uncertainty that can be modeled through changes in the parameter γ.
The first is the Imprint Period, where a child is like a sponge. Draw forex trading brokers in mumbai SalI map of this region. Coupling Energy distribution lines or telecommunication wires are omnipresent, both at the level of build- ings as within electrical best hyip forex. (1995). (1995). Using these techniques, which we describe in Chapter 9, they began to compare eukaryotic genes with the mRNAs derived from them.
Properties of the penicillin-binding proteins of Escherichia coli K-12. FEBS Lett. Rahman, R. Let us illustrate this by computing Ic11 Ic11 Ic111 m (h22 alturnative forex systems m (d22 d32) Ic11 mL212m (00)0m (L240)mL23 where the symbols hi and di denote forex coaching in singapore coordinates of the center of mass of Forex trading brokers in mumbai and Muumbai relative to point C.one could choose an element uniformly in the domain and apply the hash function, or one could choose an element uni- formly in the range), and one needs to express forex trading brokers in mumbai probability of finding a preimage for this el- ement.
5 -1 -4 -2 0 2 4 Fig. coli chromosome as the order in pitfalls to avoid in forex trading the enzymes forex orel ru in the biosynthetic pathway.
Reinhold, M. Studies on halotolerance in a moderately halophilic bacterium. Technol. Proc. 144. Suo. A third example is "mad cow disease" (technically, J. Mowbray. Its linear complexity, (s), is related to the LFSR length and to the forex control center oanda gebraic degree of the filtering function f (the alge- braic degree of tradign Boolean function is the highest number of terms occurring in a monomial of its al- gebraic normal form).
Nuclei containing both forex trading brokers in mumbai are yellow. 9999 Punnett square with the ratio of D d along each margin as 34 14. Brrokers. Sci.Chirico, G. Here I spent all this time getting back.
5 Galbraith, and R. Other mutations cause a change in amino-acid sequence that completely disrupts trrading function. 2d), and recip- forex trading brokers in mumbai translocations, in which parts of two nonhomologous chromosomes change places (Fig. But this does not make people better forex insider pro review thinkers in all respects.
Arrest of DNA replication is defined as the events that occur broker s a replication fork is stopped by a Tus-Ter complex. An advantage of this space, as well forex trading brokers in mumbai of other spaces mentioned, is that no align- ment of proteins is needed to measure the features.
710 SP 1,803 23. And W.Altschuler D. And S, however, the basic core values, are formed around age 10 and locked in at age 21.Forex manual descargar


text:
Watch August Alsina Feat. Trinidad Jame$ "BTS - "I Luv This Shit"" Video - it's the latest video from August Alsina, having dropped on Tuesday, February 12th, 2013. August Alsina's musical situation is improving with every new release, and August Alsina Feat. Trinidad Jame$ "BTS - "I Luv This Shit"" Video will most definitely help the cause. It's a fine addition to the growing body of work August Alsina has been developing since stepping foot in the game. We're looking forward to what August AlsBehind the scenes preview of August Alsina's video for "I Luv This Shit" which features ATL's Trinidad Jame$, and is off Alsina's upcoming "The Product II" project.
Did you enjoy Trinidad Jame$'s contributions to this video?
What do y'all think of this video?
Did y'all catch August Alsina's latest visual for August Alsina "Shoot Or Die" Video?
If you're feeling this, make sure to hit up August Alsina's profile page for the latest info, news, songs, and mixtapes. Check out August Alsina's Facebook and Twitter.

subset: commoncrawl


text:
Replacement parts for Hamilton Beach coffee makers are available for order on the Hamilton Beach website and at independent online part stores, such as eReplacementParts and AbtecParts. The model and serial number of each coffee maker appears on the rating label, which is molded or printed on the appliance.
Typing the model number of the coffee maker in the store search bar generates the available replacement parts. Customers who cannot locate required parts can seek assistance by contacting the Hamilton Beach toll-free consumer affairs call center on 1-800-851-8900.
The eReplacementPart website displays a list of Hamilton Beach coffee makers with an accompanying image of each appliance. This helps customers identify an appliance when the rating label is missing or unreadable.


text:
If you know me at all, you know I love to work. But even I enjoy a little time off to put my feet up, and plunge myself into a good book.
It's summertime—or as we like to call it around here, reading season. We at BreakPoint have been busy compiling lists of good books to read on your summer vacation, or even just while you're relaxing at home.
I'm going to share my own list with you.
First, you've heard me speak before about Joker One by Donovan Campbell. It's worth another mention. This book by a fellow Christian and Marine officer brilliantly captures the bond among men who have trained together and fought together, a bond that makes them willing to die for each other. The parallels with the Gospel are unmistakable.
Another military-themed book is The Coldest Winter: America and the Korean War by David Halberstam. I really enjoyed this. It's an unforgettable work that encompasses the major figures, decisions, and battles of that war, as well as the perspectives of individual soldiers who were caught up in it.
Next is another book I've talked about, Glenn Sunshine's Why You Think the Way You Do. Glenn, a good friend and excellent scholar, gives an overview of history that helps us understand the impact of worldviews on culture, for good and for ill.
Then, let me recommend Tim Keller's book Prodigal God. It's a book that, when I read it, really changed my whole view of that parable. Keller helps us understand it in a whole new light. He shows how the real target of the tale is the "older sons" who think they have it all together, and how "Jesus challenges what nearly everyone has ever thought about God, sin, and salvation."
I think any parent with a daughter ought to read James Dobson's Bringing Up Girls. Girls today are under tremendous cultural pressure to grow up too fast and to let themselves be used and devalued. Parents need to equip themselves to fight for their daughters against the lure of this sick culture, and this is a great book to help them do just that.
One of my favorite classics is a short novel called The Tenth Man by Graham Greene. This amazing tale of cowardice and courage in a German prison camp during World War II isn't as well known as some of Greene's other works, but it deserves to be. It has some profound things to say about sacrifice and second chances.
Finally, let me give a brief mention to Mary DeMuth, whose Defiance trilogy I've talked about twice before. She's now wrapped up that trilogy with Life in Defiance, the poignant story of a battered wife who has to learn to understand God's love for her. Mary also has a stunning new memoir, Thin Places, chronicling how God helped her in her own struggle to overcome the sexual abuse of her past.
Now it's your turn. Come on over to BreakPoint.org. You'll be able to download my recommended reading list and some of the classics that we recommend on a regular basis, and you can purchase them from our bookstore at ColsonCenter.org or BreakPoint.org.
Chuck Colson's Recommended Reading
BreakPoint Online


text:
Find the perfect hotel in Silver City using our hotel guide provided below. Find cheap and discounted hotel/motel rates in or nearby Silver City, ID for your business or personal leisure travel. Explore the most favored Silver City, Idaho motel and hotel rooms. Browse the Silver City area hotels to find the perfect lodging! Please use the provided map of the Silver City hotels.
How should we direct your call?


text:
Mike Richter continues work with NHL Green
Former Rangers goaltender helping to lower energy costs at rinksby Dan Rosen @drosennhl / NHL.com Senior Writer
Former New York Rangers goalie Mike Richter helped push the NHL to promote environmental initiatives seven years ago. It's part of how NHL Green began in 2010.
Now that the League, which is celebrating its second annual Green Week from March 11-17, is the 26th largest user of green power in the United States and the only sports league to appear on the top 100 list, according the Environmental Protection Agency's Green Power Partnership, Richter is promoting its latest endeavor to bring the message and practices to the community level.
The NHL launched the Greener Rinks initiative in 2016. It focuses on working with community rinks across the continent to measure and evaluate their environmental impact in order to make changes that lead to sustainable buildings with lower operating costs, which Richter said should result in more affordable ice time for families who have children playing hockey.
"Hundreds of thousands of dollars go to make that artificial ice every year, and that's why your kid has to pay so much to play," Richter said Tuesday. "If we can start making the production of artificial ice as cheap as natural ice we're on to something. You give more people a chance to play, and the more people that play obviously means the more tickets that are sold to NHL games, the more hot dogs and popcorn that gets bought, and it increases the quality of competition you have."
The NHL has discovered there are approximately 4,800 rinks in North America that are 30-plus years old. Without changes to make these rinks more environmentally sustainable, the high operating costs to make the ice and keep it frozen could run some of them out of business.
"An average ice sheet, at least in the Northeast with high energy costs and inefficient buildings, can be $200,000 to $300,000 in energy alone, and you haven't paid for one employee yet," Richter said. "When you think of nearly 5,000 rinks across North America, these things are operating in a very tight margin and in the end you see a lot go out of business because they can't bring in enough revenue to support that payment schedule. If you suddenly make them more efficient with off-the-shelf technology it would be eliminating massive amounts of maintenance."
The NHL has started to get a baseline of many of the community rinks to determine where they can become more efficient. It's the same formula the League has used in making its own buildings more environmentally sustainable.
NHL arenas now use both environmentally friendly energy sources, such as solar power and fuel cell technology, and cooling techniques. In addition, the League is keeping waste out of landfills by recycling, composting and donating unused food.
"The NHL has done the best thing they can do to prove itself by cleaning up their own backyard," Richter said. "If we can start systematically bringing the operating costs of the community rinks down it will translate into getting more kids to play."
[RELATED: NHL Greener Rinks initiative kicks off Green Week]
Richter said one of the simpler ways to do this is to change the lighting in the rinks to LED lights the way the NHL is doing now in its arenas. His company, Healthy Planet Partners, has been working to retrofit commercial buildings with LED lights because they provide clean-energy technology and minimize energy consumption and the environmental impact.
The past two NHL All-Star Games, in 2016 at Bridgestone Arena in Nashville and in 2017 at Staples Center in Los Angeles, were played under LED lights.
"In an ice hockey rink you have a gigantic refrigerator and now you're lighting that refrigerator with lights that can lose 80 percent of their electricity as heat loss as opposed to illumination," Richter said. "So in effect what you're doing is you're heating the very place you're trying to cool. Technology has advanced and the cost has come down to allow a normal rink to replace the lights they have with LED lights that can be 50 percent more efficient right off the bat. So instead of heating the space you're actually illuminating the rink. You get less shadows, better light, better quality, less maintenance and less operating cost."
If that means lower costs to play, it could be a significant byproduct of a cleaner, greener NHL community.
"The biggest single hurdle is expense and I think that's one of the things you're going to see come down if we continue to do this," Richter said. "This effects the bottom line in a very significant way and it could be a game-changer for the NHL in the long run."


text:
|No, it isn't Tom Cruise doing battle with the aliens while the future of mankind hanging in the balance. Instead, the good guys are car dealers and sales finance companies, and they are doing battle with the bad guys - plaintiffs' lawyers, state Attorneys General, legislatures, regulatory agencies, the courts and public opinion.
And the battle isn't one that involves death rays or light swords. Instead, the weapons are words. How can that be, you ask?
In law school, a wizened old professor said, "If you let me pick the vocabulary, I'll win the debate." Well, in the battle between car dealers and their various adversaries, the adversaries are trying to pick the vocabulary. By picking the vocabulary, they hope to win the battle.
When an e-mail arrived from AutoDealerDaily.com reminding me of the deadline for this article, it also identified the theme for the September issue as "Lenders and Lending." I immediately went ballistic, shooting an e-mail back to Harlene Doane and Greg Goebel begging them to change the name of the theme. Why?
Because, in a typical dealership financing arrangement, there is no "loan" and there is no "lender." The document signed by the customer is called something like a "retail installment contract." When the dealer has completed the retail installment contract and the customer has driven away in his or her newly-purchased car, the dealer assigns the contract not to a "lender" but to a bank, credit union or sales finance company.
Harlene and Greg knew this, but Greg protested that the terms "loan" and "lender" were so deeply imbedded in the lexicon of dealers that it could not be dislodged. I beg to differ. I believe that if dealers understand that using, and permitting others to use, these incorrect terms will increase their legal risk, they will begin to use more accurate terms.
Why Does It Matter? Why on earth does it make a difference what terms we use to describe these paper documents and those who buy them? Several reasons, in my view.
First, people in the business ought to understand the business. People who don't understand the correct language applicable to their business can make mistakes, and sometimes those mistakes can be costly.
More than once, we have seen companies that plan to buy retail installment contracts in a state call up the regulatory authorities within that state and tell those authorities that they plan to "lend" in the state and would like to know if a "lending license" is required. Unless the state authorities delve into the nature of the company's business, they are likely to take the caller at his or her word, and send an application to engage in the lending business. The hapless company will apply for and get the incorrect license, and start buying contracts without having the correct license. And no, I'm not making this up – I have seen it happen on several occasions.
Another problem can arise when a dealer or finance company trying to determine the maximum finance charge rate it can impose consults the state usury law – applicable to loans – rather that the state installment sales law, to find the answer. The rates that can be charged under these laws frequently differ. The consequences of charging a rate higher than permitted can be dire, while the consequences of charging less than the maximum rate can simply be expensive.
But it's in the lawsuit and legislative arenas where the big risks exist. As an example, consider the rash of class action lawsuits alleging credit discrimination on the part of dealers and finance companies. The plaintiffs' lawyers in these cases have incorrectly described the business of indirect auto finance in an effort to bolster the various legal theories that they rely on. They try to convince the courts that dealers are agents for companies that make loans, so that they can use that "agency" relationship to get to GMAC, NMAC and other deep pocket "lender" defendants. They rail about "dealer mark-ups," and "street rates," and use these loaded terms to frame the debate. Hint – the wizened professor ought to come to mind about now.
Out With Theirs, In With Ours. We need to reject this loaded vocabulary in the strongest terms, and substitute our own vocabulary instead. Insisting on "retail installment contract" and "sales finance company" instead of "loan" and "lender" is just a start.
Let's also reject the term "dealer markup." Why? The rate that appears in a retail installment contract is determined by the dealer and the customer as part of the bargaining process. When the contract is signed, the dealer has several options with respect to it. The dealer can simply keep the contract and collect the payments, as some dealers do. That means the dealer collects the entire unpaid balance, including the entire finance charge. What happens to the concept of "dealer markup" when this happens?
Even when the dealer sells the contract, it isn't unusual that several sales finance companies and banks have approved the buyer's credit and have offered to buy the contract. Each of these potential buyers of the contract may demand a different minimum rate (or, "street rate," in the vocabulary of the consumer activists). How do you measure a so-called markup when it might be computed from different bases?
So, out with "dealer markup." In with "contract rate."
And don't get me started on "street rates." The consumer advocates have twisted this term to mean an alternative rate that the car buyer could get "on the street," i.e., by going directly to GMAC or FMCC or Americredit and getting a loan. There's only one teeny problem with the activist's theory on this point – GMAC and the other sales finance companies do not make loans directly to car buyers (except in Ohio and in some few scattered programs). The "street rates" published to dealers by these companies are not alternative rates at which consumers can borrow money directly. Even companies such as banks that buy contracts from dealers and actually also make direct loans to car buyers often don't offer car buyers rates that are as low as the so-called "street rate."
What sales finance companies really mean by "street rate" is that "this is the lowest contract rate that we will buy from you, Mr. Dealer." If that's what it is, why don't we call it the "minimum acceptable contract rate" (we could even abbreviate it to the cool-sounding term, "MAC Rate.")
So, out with "street rate," in with MAC rate.
Conclusion, words matter. They aren't loans; they are retail installment contracts. They aren't lenders; they are sales finance companies or banks. Dealers cannot "mark up" a rate if they are entitled by the terms of the retail installment contract to keep all amounts the buyer pays. And finance companies don't have street rates, they set a minimum acceptable contract rate, or MAC rate, for the contracts they are willing to buy. Repeat each one of these sentences a thousand times.
Vol 2, Issue 9
Cox: Dealer Pessimism Grows With New Threats
Cox Automotive's latest Dealer Sentiment Index finds a 'notable negative turn' among U.S. dealers, the majority of whom took a dim view of the fourth-quarter market and their 2019 prospects.


text:
Checking Out the movie WATER FOR ELEPHANTS
Hey, how come it is not WATER FOR ELEPHANT (singular). There is only one elephant in the movie. Answer: WATER FOR ELEPHANTS is a quote the circus owner said when he would hire the young hero to give WATER TO THE ELEPHANTS – then he told the hero they didn't own any elephants. But they did soon.
The movie is about a circus that is not making ends meet, directed by Francis Lawrence; staring Reese Witherspoon, Robert Pattinson, Christoph Waltz, and others. The movie starts off with Hal Holbrook reminiscing about when he was young and foolish and joined the circus. If just joining the circus wasn't young and foolish enough he was even more young and foolish by romancing the owner's wife. The owner has a deadly cruel streak.
As I mentioned, the circus was running short on revenue and to cut costs the owner would have his two goons throw out selected disgruntled workers out from a fast moving train at night to a certain death. He also like to stick the elephant with a sharp object. We might overlook him having workers thrown off the train to lower his payroll but we movie watchers will not tolerate mistreating an innocent obedient elephant.
The movie takes place during the depression/prohibition days. There is action, a flow of the times, romance. And there is an illicit adultery affair (don't let the above picture mislead you).
I felt the need to grip the arms of my seat during parts of the movie which meant I felt the tension going on. I think it was a good movie.
Labels: Movie


text:
The Washington State Fair in Puyallup will feature an exhibit on Japanese internment where visitors can step into the past and re-live what the camps were like.
Not many people know that close to 8,000 Japanese Americans were forced to live under the grandstands at the Puyallup fairgrounds for months in 1942 before being sent off to World War II American concentration camps. The military called the fairgrounds the Puyallup Assembly Center (PAC) but the incarcerees called it "Camp Harmony."
In the video, Eileen Yamada Lamphere (from left), Elsie Yotsuuye Taniguchi and Sharon Sobie Seymour stuff pillowcases with straw. Yotsuuye Taniguchi remembers doing this as a 5-year-old when her family first arrived at the fairgrounds.
Visitors to the exhibit can try their hand at it, as well as other interactive activities. The exhibit includes re-created horse stall and barracks apartments, period suitcases and clothing and pot belly stoves from camp.
A program about the 75th Remembrance of Puyallup Assembly Center will honor survivors. It takes place Saturday, September 2, 10 a.m. at the Coca Cola Stage. Keynote: Tom Ikeda, DENSHO; emcee: Lori Matsukawa.
The exhibit runs throughout the Washington State Fair September 1-24 at the Fair Museum.


text:
Month: December 2016
Vistaprint business cards #business #funding
#business cards design
Only one promotion code can be used per order. Savings will be reflected in your shopping cart. Discounts cannot be applied to shipping and processing, taxes, subscription services or previous purchases, unless otherwise specified. Additional charges may apply for shipping and processing and upgrades unless otherwise specified. Free Offers only valid on the lowest quantity of each product and not valid on more than 10 items per order.
Promo code has been applied:
Standard Flat Rate Delivery For $7.99 Enter your TV/Radio code or another promo code: Have a different promo code?
Only one code may be used per order.
Standard Flat Rate Delivery For $7.99
Promo code has been applied
Standard Flat Rate Delivery For $7.99
Home Business Cards
Choose how to design.
Browse our designs
Add your own text and images.
Start with your logo
Combine it with our layouts and fonts.
Choose your Standard Business Card layout and click Continue.
Sample Business Plan Excel #stock #market #news
#business plan format
Sample Business Plan Excel
Business plan template 7 download free documents in pdf sample Business Plan Template 7 Download Free Documents In Pdf Sample business plan writing plans with free sample template Sample Business Plan Excel paper on writing business plan with free sample business planning template software for business plans cash flow forecasting financial projections business strategy Business plan template 7 download free documents in pdf sample
posted by sampletemplates.com. Image Size. 580 x 619 jpeg 262kB and Upload Date and Time. Mon, 29 Aug 2016 22:09:00 GMT
Business plan format excel india by mqm16808 Business Plan Format Excel India By Mqm16808 free business plan software business planning business Sample Business Plan Excel free business plan with template for business plan plus business plan software shareware and advice Business plan format excel india by mqm16808
posted by img.docstoccdn.com. Image Size. 1275 x 1650 png 191kB and Upload Date and Time. Fri, 26 Aug 2016 14:27:00 GMT
Displaying 12gt; images for simple business plan template Displaying 12gt; Images For Simple Business Plan Template excel template and business plan template Sample Business Plan Excel free excel template business plan templates and financial accounting statements that are free downloads simply insert the numbers in the excel templates to create Displaying 12gt; images for simple business plan template
posted by 2.bp.blogspot.com. Image Size. 927 x 1200 jpeg 144kB and Upload Date and Time. Sat, 27 Aug 2016 06:55:00 GMT
Business Card Magnets #business #plan #format
#business card magnets
Only one promo code can be used per order. Savings will be reflected in your shopping cart. Discounts cannot be applied to shipping and processing, taxes, design services, previous purchases or products on the Vistaprint Promotional Products site, unless otherwise specified. Discount prices on digital products are valid for initial billing cycle only. Additional charges may apply for shipping and processing, and taxes, unless otherwise specified. Free offers only valid on the lowest quantity of each product and not valid on more than 2 items per order.
Promo code has been applied:
Enter your TV/Radio code or another promo code: Have a different promo code?
Only one code may be used per order.
Have a promo code.
Promo code has been applied
Have a different promo code.
Magnetic Business Cards
25 starting at $10.00
Make your business stick with customers.
- Add your company logo, images and personalized text
- Customize colors, font, text and more.
- Add your name, logo and contact information.
Pricing Product Specs
Top Business Laptops Reviews #loans #for #a #business
#best business laptop
Business Laptop Reviews, Ratings, and Pricing
Looking for a notebook computer for your small office or home office? Computer Shopper's expert reviews of business laptops will help you find the best model for your needs. Our reviews and laptop ratings walk you through the exact components and features to look for. Computer Shopper's business laptop buying guides offer side-by-side comparisons of today's best small-business laptops. Also, check below for lab-tested reviews of our current 10 top business laptops.
HP's MacBook for Business?
The new EliteBook Folio G1 is as slim and attractive as Apple's MacBook, but with more ports, a better keyboard, and battery life that's almost as long.
T Is for Tops
In the T460s, Lenovo has redesigned its venerable ThinkPad T-series and added the latest hardware bits. It's still one of the best 14-inch business ultrabooks on the market, with the best keyboard in the biz.
The Face Is Familiar
What if the XPS 13 had a Core M? Dell's Latitude 13 7000 (a.k.a. Latitude 7370) is a new spin on a successful, nearly-no-bezel ultralight.
Playing the Workstation Card
A mobile workstation with a family resemblance to the GS72 Stealth gamer, the 17.3-inch MSI WS72 provides ample power for $2,699.
New Reviews
Investment Ideas #franchise #opportunities
#investment ideas
Investment Ideas
[1] Based on the 30-year calendar year returns of Barclays US Aggregate Bond Index as of 12/19/2013
Views and opinions expressed are for informational purposes only and do not constitute a recommendation by GSAM to buy, sell, or hold any security. Views and opinions are current as of the date of this page and may be subject to change, they should not be construed as investment advice.
This information discusses general market activity, industry or sector trends, or other broad-based economic, market or political conditions and should not be construed as research or investment advice. This material has been prepared by GSAM and is not financial research nor a product of Goldman Sachs Global Investment Research (GIR). It was not prepared in compliance with applicable provisions of law designed to promote the independence of financial analysis and is not subject to a prohibition on trading following the distribution of financial research. The views and opinions expressed may differ from those of Goldman Sachs Global Investment Research or other departments or divisions of Goldman Sachs and its affiliates. Investors are urged to consult with their financial advisors before buying or selling any securities. This information may not be current and GSAM has no obligation to provide any updates or changes.
A summary prospectus, if available, or a Prospectus for the Fund containing more information may be obtained from your authorized dealer or from Goldman, Sachs Co. by calling (retail – 1-800-526-7384) (institutional – 1-800-621-2550). Please consider a fund's objectives, risks, and charges and expenses, and read the summary prospectus, if available, and the Prospectus carefully before investing. The summary prospectus, if available, and the Prospectus contains this and other information about the Fund.
North American Bancard – Tips for Giving the Best Business Gifts #business #clothing
#business gifts
Many business owners send greeting cards and corporate gifts to show gratitude to clients and business partners. These gifts are often useless and end up being thrown away or regifted. The purpose of the gift is to standout and remind the individual about you or your brand long after the holidays.
Here are eight tips, from Entrepreneur. to help you select a gift that will leave an impression:
1. Make it useful. Give people something they can use throughout the year. Desk calendars, pens, small flashlights and letter openers are great examples of items every business person could use.
2. Give your product. Skip the shopping and extra spending, and give your product as a gift. It allows you to show gratitude while promoting your business.
3. Make a donation. Create goodwill by making charitable donations in the names of your business partners. An added bonus is the tax writeoff.
4. Look for exchanges. Ask other businesses about exchanging products and services. This will reduce costs, result in better gifts and serve as a marketing tool. Some companies you may want to talk to include movie theaters, restaurants, coffee shops and entertainment venues.
5. Personalize it. Include your business name on the corporate gifts you give. There is nothing wrong with branding the items you give to your business partners.
6. Spread it around. Give a gift that employees can benefit from. They are often left out while the owners and managers get all the corporate gifts.
7. Keep it simple. While it can be tempting, it is best not to go overboard. Remember that gift giving is a marketing strategy and does not need to cost you a lot of money. Be sincere and tactful in your gift choices.
8. Keep it healthy. Everyone loves treats, but too many sweet snacks go around during the holidays. There is no need to add to the cookies and chocolates your business partners are already receiving. The fall from a sugar rush can negatively impact businesses. If you want to send something edible, make sure it's healthy.
Gift giving during the holiday season is a great gesture for business partners. Be sure to be reasonable, choosing items that are useful, cost-effective and serve to market your business.
Top Business Laptops Reviews #free #business #directories
#best business laptop
Business Laptop Reviews, Ratings, and Pricing
Looking for a notebook computer for your small office or home office? Computer Shopper's expert reviews of business laptops will help you find the best model for your needs. Our reviews and laptop ratings walk you through the exact components and features to look for. Computer Shopper's business laptop buying guides offer side-by-side comparisons of today's best small-business laptops. Also, check below for lab-tested reviews of our current 10 top business laptops.
HP's MacBook for Business?
The new EliteBook Folio G1 is as slim and attractive as Apple's MacBook, but with more ports, a better keyboard, and battery life that's almost as long.
T Is for Tops
In the T460s, Lenovo has redesigned its venerable ThinkPad T-series and added the latest hardware bits. It's still one of the best 14-inch business ultrabooks on the market, with the best keyboard in the biz.
The Face Is Familiar
What if the XPS 13 had a Core M? Dell's Latitude 13 7000 (a.k.a. Latitude 7370) is a new spin on a successful, nearly-no-bezel ultralight.
Playing the Workstation Card
A mobile workstation with a family resemblance to the GS72 Stealth gamer, the 17.3-inch MSI WS72 provides ample power for $2,699.
New Reviews
A Rant About Asking People if They Are "Busy" – Red Hot – Business
A Rant About Asking People if They Are "Busy"
A Rant About Asking People if They Are "Busy"
I have a request that will help you and your fellow business owners….
Stop asking people if they are busy to see how they are.
We ask people this as if them responding with a "yes" is a good thing?
I don t know anyone who truly wants to feel busy. "Busy" normally goes along with feeling over-worked, tired and stressed out, it usually means not being relaxed and surviving on adrenaline. I don't know anyone that really enjoys those feelings on an ongoing basis (and I certainly don't like it either).
I do like to feel challenged though. I do like to feel that I m in demand. I do like to feel that I have a good flow of business to keep me profitable. I like to feel that I've got things under control and be relaxed about it (even when I'm working hard).
To me, Busy is a dirty four letter word. We are trained from an early age that busy is a great definition of success Because if we re busy then we must be successful, right? It s not true though. Busy is NOT a sign of success. Busy might mean that we have a lot of clients or work on, but it's very easy to be busy yet not be profitable. And it s easy to be busy and profitable and still not be happy!
In my observation from coaching hundreds of business owners most are too busy. Their business runs them. So a better question might be How s business? or How s everything working out?" Let's break the curse of 'busy being a good thing in business.
Business Cards: Design – Print Custom Business Cards #startup #business #ideas
#business cards design
Avery WePrint Business Cards
Ordered business cards. Love Avery design tool. The cards turned out wonderful. I had them print and they look amazing. Price was competitive too. Google Trusted Store Review (June 4, 2016)
Easy to create business cards that included my own image and text. Quality is nice. Google Trusted Store Review (April 30, 2016)
I received an email from them with a layout problem. They corrected it, printed it and shipped before I had a chance to respond! The cards were perfect, just how I had hoped they would turn out. Google Trusted Store Review (April 24, 2016)
The quality of the finished product from Avery WePrint was awesome, the design tool was easy to use and the customer service rep was very helpful with my questions about production/shipping deadlines. Will definitely use again. Google Trusted Store Review (December 14, 2015)
Business cards looked professional – good quality material and crisp color printing! Google Trusted Store Review (November 8, 2015)
* Flat rate shipping offer applies to economy shipping only. If another shipping method is selected, charges may apply. Offer applies only to orders shipped to
the United States and Puerto Rico. Offer subject to change.
10 big investment ideas for 2016 #business #plan #pdf
#investment ideas
10 big investment ideas for 2016
- Share on twitter
It's time to fire up the interneuronal connections and carve out 10 big ideas for 2016.
Asian nation
My first offering is that Australia will likely become an Asian nation in its ethnic orientation. Apologies to the xenophobes, but it's happening under your nose. An incredible 28 per cent of Australia's population (or 6.6 million people) were born overseas – the highest in 120 years. During the last census a remarkable 12 per cent of Australians said they had Asian ancestry.
In Sydney and Melbourne, 19 per cent and 18 per cent, respectively, of residents are Asian. In Sydney regions like Parramatta and Ryde, the Asian share of the population is as high as 34 per cent and 33 per cent, respectively. China and India have overtaken the UK as Australia's biggest source of new migrants, collectively accounting for 35 per cent of the intake in 2013-14.
The idea of Australia stealthily yet ineluctably becoming an Asian nation is a big deal: it will reinforce our unique antipodal trading position and powerful role as a politically stable economic conduit between east and west; it will help improve our cultural commonalities with major regional actors like China, India and Indonesia (mitigating geopolitical hazards); and it should serve as a source of innovation, productivity and growth, just as the influx of ambitious European migrants did after World War II.
Related Quotes
Bank returns on equity will fall
Idea number two is that the major banks' returns on equity (RoEs) are inevitably going to fall from around 15 per cent towards their 11 per cent cost of equity as result of the banking system becoming a highly competitive and level playing field. While this process may take five years or more, it should mean that rather than trading at an unusually high two times book value, the majors will price at circa one times. If I'm right, there is much downside to current valuations, which is a proposition reinforced by analysts' crazy forecasts that bad and doubtful debt charges will stay around 30-year lows.
In five years the majors will have ceded the competitive advantages that fuelled their world-beating RoEs. Rather than carrying 25 per cent more leverage than rivals, they will end up having less leverage and more equity capital in the funding mix. Combined with the fact that smaller banks tend not to source as much funding in the dearer wholesale bond markets – underwriting assets with cheaper deposits that are now a government-guaranteed (and more stable) funding source – I believe the majors will wind up having more expensive funding costs. In short, we will migrate to a system where the majors are much safer banks with reduced risks of failure, with the trade-off of lower returns on equity than competitors that have loftier leverage and lower funding costs. There should, therefore, be an economic role reversal between the big four and their rivals.
Another Macquarie Bank?
If the majors are going to become slow-moving, yet bullet-proof, utilities, a third idea is investors should look for superior returns from more fleet-footed alternatives that are not saddled with the financial baggage of being too-big-to-fail. One day we will eventually see another Nicholas Moore who creates a new Macquarie Bank with a much skinnier 50 per cent dividend payout ratio (compared to the majors' 80 per cent pay-out policies) that retains earnings to support investments in innovative and entrepreneurial opportunities. Macquarie has done a fabulous job of continuously reinventing itself to maintain growth and studiously avoided allocating too much capital to competing in the majors' commodity markets.
On this note, the majors will likely lose significant market share in home loans to regional banks that for the first time will be able to compete effectively with them on price without crushing their returns. Rather than being price setters, the majors will become price takers and have to give back the recent rate hikes they have foisted on borrowers to compensate for expanding equity funding costs or suffer market share losses. This will compel them back into the less contested business lending space, which will lubricate credit to companies. Indeed, I think the majors' balance-sheet splits between residential and business loans will revert back to the 40:60 levels before the 1991 recession.
Our forecasts for double-digit house price growth in 2013 and 2014, and high single-digit growth in 2015, were spot on. My fourth idea is that there will be no imminent housing collapse, and the price of our bricks and mortar will again climb in 2016, albeit at a much slower pace of around 1 to 2 times income growth. I maintain the view that the market is very expensive (15 to 25 per cent above fair value) and recently sold my own home. The interest rate hikes that will be the catalyst for a sustained Aussie housing correction appear to have been shunted into the distant future.
A fifth idea is that as the US and UK jobless rates (5 and 5.3 per cent respectively) fall towards 3 per cent in 2016 and 2017, wage and consumer price inflation will gradually reanimate. While the Fed will hike in December, central banks will get behind the curve because of their desire to "look through" this reflation.
Fixed-rate bond prices to plummet
This prompts another idea, which is that fixed-rate bond prices will melt as long-term yields rise on the back of financial markets resisting the Fed's dovish view of the world and acknowledging stubbornly strong inflation data. The existential moment for global central banks will arrive when the break-even inflation rates priced by the bond market begin breaching official inflation targets in a sign that investors no longer think that monetary policy (and so-called nominal growth targeting) is compatible with price stability. Asset allocators need to be short interest rate duration or, if you have to be exposed to this risk, hire a smart duration manager – they can be hard to find. Few people can consistently call rate changes right.
If this base case plays out, my seventh thought is that global equities will face tremendous headwinds as long-term risk-free rates (that is, government bond yields) mean-revert back to some semblance of normality, which means yields 50 per cent to 100 per cent higher than current marks. Recall that the 10-year government bond yield is an essential input as the underpinning for the discount rates in the valuation models for all listed and unlisted equity and real estate markets.
Sell 'beta' buy 'alpha'
This insight furnishes an eighth idea, which is sell equity "beta" and buy "alpha", as I advocated last year. Aussie shares (beta) have declined over the year to date while market-neutral and long-short hedge funds (alpha) have delivered terrific returns (at least the guys that I invest with have). This dynamic is unlikely to change.
In the more immediate term (over the next, say, one to two years), I like "spread" assets as the search for yield will remain a critical influence over investor behaviour as long as deposits do not offer any material "real" returns above inflation and equities continues to get hammered. One example is major bank subordinated bonds, which currently trade very cheaply on a global basis despite the majors being among the best capitalised banks globally, care of $33 billion of equity origination over the last 12 months. The credit ratings on major banks' subordinated debt are on par with the senior bonds issued by Goldman Sachs, Morgan Stanley or Citigroup, and I think there is a decent chance they will get upgraded to the "A" band next year if Standard & Poor's lifts the majors' stand-alone credit profiles from "a" to "a+", as it has signalled it may do.
A final thought is that if the world is once again forced to choose between elevated interest rates and high and volatile inflation, there is a possibility that the value of paper money will atrophy as a credible medium of exchange. This could precipitate a flight to safety in the form of a resurgence in the demand for gold as a hedge against the debasement of money by governments using the printing press to finance their own deficits.


text:
Reformation Through the Arts….500 Years and Counting! We are pleased to announce that funds for the first Martin Luther Hymn Prize have been secured, but you can still participate! Help us reach our goal of ten prizes in all!
Thank you to the following for their visionary support of the Martin Luther Hymn Prizes.
The Baker Family Prize
Lorraine and William Baker
Northern Texas-Northern Louisiana ELCA Synod Prize
Celebrating the Visionary~Missional Leadership of
Bishop Kevin S. Kanouse 2000-2016
The Diane and Paul Jacobson Prize


text:
You make things happen for your clients!
Your services as real estate agents regarding our new condo purchase and the sale of our out of state home in Medina, Washington were commendable! We had worked with many good real estate agents previously as this is our 4th real estate transaction, yet we can definitely claim that you are both at the very top and deliver beyond expectation with your professionalism, excellent bargaining skills, attention to detail, deep knowledge of the real estate market and honesty.
It took us a year to pick our new condo in Fort Lauderdale area while we were still living at Washington State and you were most helpful and always dedicated to show us properties and educate us about the South Florida real estate market whenever we had the opportunity to fly down to Florida. You went above and beyond, at every step of the process for buying our wonderful condo in LBTS. No obstacle makes you give up on completing the purchase.
Six months later, when we mentioned our troubles in trying to sell our Washington house, you stepped in diligently and led us through the right choices and decisions and became instrumental in making the sale happen.
We have been very impressed with your determination and openness. You make things happen for your clients!
We highly recommend your services to anybody looking for a property. You two are the best!
You represent truly the best of the profession
I am writing to thank you once again for a job well done. Actually, well done is an understatement. In this tumultuous market it is a pleasure to work with true professionals who understand and have in-depth knowledge of the market ? and who know how to design a pricing and sales strategy that really works. Honestly, your recommended asking price was higher than what we were thinking and when we received an offer after just a few days on the market, we were thrilled. Being under contract that quickly and then closing 30 days later was ideal. The management of the transaction by your team made this possible. From managing the timeline to preparing for the appraisal to running interference with a buyer's attorney who was difficult all made this transactions happen, and happen quickly. As you know, this is the second property you have sold for us and, frankly, you are the only brokers we would use in Florida in the future. Please let me know if I can serve as a reference at any time or if you would like me to talk with any of your prospective clients. In a field and in a market where many in your profession do just what is needed to get by, it is refreshing and rewarding to be involved with people like you who represent truly the best of the profession.
Thank you very much
I understand your answer completely and the situation, it is helping a lot. Despite to be in Italy, I am sensitive you took so much time to answer right away instead to enjoy you last moment. I am going myself in France Tuesday for my knee ACL surgery, that is why I needed to get the situation fast. You could be teaching and maybe you did. Obviously, I am wishing to stay in touch with you all. In more than 10 years of real estate, I never felt so smart and quick professional, efficient, going right to point. It is not kind, but just the reality. Thank you very much, it helps a lot.
The most pleasant experience we've ever had
Kristi and I have unfortunately, had the experience of moving 9 times throughout my 29 year career. This transaction could have been even more difficult since we were completing it from afar. Your assistance and professionalism made the purchase of 1255 Seminole the most pleasant experience we have ever had. All the time you spent with us to ensure we had selected the right property for our needs created a sense of trust and certainty that as you know is important in any major real estate transaction. Also, the people that you hooked us up with were as professional as the two of you which resulted in a very smooth closing on the property. Business and real estate are complicated transactions that are greatly simplified when dealing with knowledgeable professionals. Thank you so much for all of your guidance and assistance. Kristi and I are very happy to now be your neighbors and friends. Thanks!
A successful closing was the end result
Thank you for a job well done. In today?s challenging real estate market you were always on target with market evaluation. Your hands on approach to the listing and sale of my Co Op was exceptional. Right from the initial listing process the level of professionalism you exhibited was remarkable; no task was too small for you to do. A successful closing was the end result. (Eileen, this statement probably understates your efforts).
Bill's negotiating skills are remarkable
Thank you for your efforts in this sale of our condo and purchase of our new home. In today's challenging real estate market you were always on target with your market evaluation of our property as you, ever so gently, led us through the intricacies of a declining market. Right from the initial steps of the listing process, the level of professionalism you exhibited was outstanding. You certainly stood out in the crowded real estate industry. From the beginning of our business relationship, Herb and I felt we were in very good hands. Fortunately, you have proven us right. Bill's negotiating skills are remarkable. We were so pleased with the way he applied these skills while negotiating the sale of our condo, we were compelled to ask you and Bill to the work with us in the purchase of our new home. An unexpected pleasure is the fact that we have added two new friends to our lives.
Thank you for a job well done
On behalf of the trustees of the Celia Luis Estate I would like to thank you for a job well done. We wanted a timely sale for fair market value and you delivered this to us. Right from the initial listing process the level of professionalism you exhibited was remarkable. You led us through the process with amazing clarity and were always responsive to our questions. Your knowledge of the market is exceptional; no task was too small for you to do. You went the extra mile in helping us with the estate matters, even after closing your follow up was extraordinary. Thank you.
Bill has this firm's full endorsement
Dear William, I've written this recommendation of your work.
"Bill is the kind of real estate professional who is diligent, responsive, and zealous in his pursuit of his client's interests. He has a visionary's instincts and one of his great strengths is the creative energy he applies to any problem. He has this firm's full endorsement."
They were a pleasure to deal with
My wife and I approached Eileen and Bill Kedersha to act as our agents having done extensive research online. We were looking for the consummate professionals who lived and breathed their profession, and who brought integrity, dedication, experience and expertise to the table. I'm very happy to confirm they met and even exceeded our expectations. They acted swiftly and effectively getting our house listed. They produced high quality marketing materials and ensured our house was marketed widely. They advised us throughout; kept us informed throughout; and not surprisingly, they soon brought offers and we closed the sale faster than any of us expected.
They were a pleasure to deal with and I highly recommend them to anyone requiring the services of a quality team of capable real estate agents.


text:
Jump To: Itinerary | What's included? | How to book
Coast to Coast Canadian Rail Experience
This is a mammoth Canadian coast to coast rail experience that will take you all the way from the maritime heritage of Halifax, Nova Scotia in the east to the majestic conclusion of the Rocky Mountains in Vancouver, British Colombia in the west. This tour includes five nights spent aboard the VIA Rail, journeying through Canadian landscapes, from the prairielands of Manitoba to the lakes and mountains of Alberta. Rail travel is the best way to see as much of Canada as possible in a relatively short period of time and this itinerary will definitely provide you with a few unique talking points when you arrive home.
To make this journey even more incredible, you can choose to add a 'side trip' from Winnipeg to Churchill where, if the timing is right, you could be lucky enough to see a beluga whale, the Northern Lights or even a polar bear! You could also choose to take the world famous Rocky Mountaineer train from Jasper to Vancouver if you prefer this to VIA Rail.
Highlights Include
- Halifax
- French Canada
- Toronto
- Jasper National Park
- Vancouver
Welcome to Nova Scotia's provincial capital. This attractive city is a bustling hub of art galleries, shops, museums, restaurants, sidewalk cafes and vibrant nightlife centred around the picturesque waterfront. Immerse yourself in Halifax's rich history at the Maritime Museum of the Atlantic, and be sure to survey the city from the 18th-century Citadel National Historic Site. You can also visit a 200-year-old restored fishing village at Fisherman's Cove and discover the stories of over a million immigrants who landed in Halifax at Pier 21. Venture to McNabs Island, located at the mouth of the Halifax Harbour, for secluded trails, a beautiful beach, and a historic fort.
Halifax to Quebec
18 hours, 15 minutes train journey
The railway line route between Halifax and Quebec is known as 'The Ocean'. It winds through the forests of Nova Scotia, crossing salmon filled rivers and skirting the bird sanctuary of Tantramar Marsh, where blue-winged teal and marsh hawks fly free. Just after the border with New Brunswick, the train passes hilltop Fort Beausejour before reaching sea views on the Baie des Chaleurs (Bay of Heat). At Mont-Joli, the railway joins the St. Lawrence River and parallels its southern shore all the way to Montreal, though you will be stopping off at Sainte Foy (Quebec) first.
Quebec City is the only walled city in North America and offers a host of historic sites and attractions. During the summer, enjoy strolling along the narrow cobblestone streets in the Old City, with its cafes and street performers. For antiques or handicrafts visit the Rue Saint-Paul and the Old Port area which is rich in maritime history or explore the Citadel, where you might catch Canadian troops staging a military ceremony. An easy day trip from Quebec City is to the Sainte Anne Canyon. The exploration of the gorge is done by viewpoints as well as three suspension bridges, the first one is at the head of the fall and the second at 60 metres above the river and the third is at the bottom of the canyon.
3 hours train journey
Arriving into Montreal from Quebec affords you views across the water back towards Quebec until the forest takes over again. The approach into the city is heralded by the 2.7km-long Victoria Bridge over the St. Lawrence River. Montreal is the largest French speaking city in North America with a style and culture all of its own. Old Montreal's Parisian-style streets are a wonderful place to wander—stop at an intimate bistro or sidewalk café for a taste of Europe. In the summer, enjoy its many lively festivals and street performers. Downtown Montreal has fabulous shopping on Sainte Catherine Street and Sherbrooke Street. Little Italy is also worth a visit. Also make sure to visit Mt. Royal, which is now a magnificent park.
2 hours, 10 minutes train journey
Leaving Montreal, the train crosses the Ottawa River, used by many early Canadian explorers. Passing through farmland and forest, the border with Ontario can be detected by place names morphing from French to British in origin. Ottawa is Canada's capital city. Whilst here, be sure to visit the beautiful Parliament buildings and the Rideau Canal, which in the winter becomes the world's longest skating rink. There are also plenty of shops, bistros and restaurants to explore. Also worth a visit is Parliament Hill, visitors are welcome to tour the buildings, view Parliament in action, and enjoy public programs and colourful spectacles, such as the ceremonial Changing of the Guard ceremony and the Sound and Light Show. For some peace and quiet, venture out of town to Gatineau Park where you'll find many trails, forests, wildlife, crystal-clear lakes and Luskville Falls. Just past the falls is the summit of Eardley Escarpment, which offers spectacular views of the Ottawa River Valley.
4 hours, 20 minutes train journey
Heading towards Toronto, you will be afforded views of Lake Ontario, easternmost of the five Great Lakes, alternating with farms stretched across rolling hills and fields lined with trees as windbreaks. From Oshawa, the tracks are shared with commuter trains, and before long Toronto's distinctive CN Tower comes into view. The tower was the world's tallest building when it was finished in 1976 and is still the largest freestanding structure in the Western Hemisphere. For real thrill-seekers, be sure to check out the EdgeWalk, where you can actually suspend yourself from the edge of the building. Toronto is Canada's largest city and is a truly cosmopolitan metropolis, with its first class shopping, restaurants and entertainment. Visitors are always amazed at the abundance of parks and gardens and its soaring modern architecture contrasted by beautifully restored Victorian gables and spires.
Toronto to Winnipeg
35 hours train journey
Travelling from Toronto to Winnipeg is the longest journey of your trip, you will spend two nights aboard The Canadian completing what is undoubtedly one of the world's greatest rail journeys. After grandstand views of Lake Ontario and the CN Tower, the train skirts the shore of Kempenfelt Bay on Lake Simcoe. The importance of the railway here is reflected by the many preserved wayside stations, kept decades after the last trains called there. The train skirts the huge Chapleau Crown Game Reserve and not long after Sioux Lookout, the train brushes the shore of Lost Lake, its shallows dotted by houseboats. As spruce trees give way to the undulating prairie of Manitoba and Winnipeg comes into view long before arrival, at the end of a dead-straight 88km long. In autumn, the sky can be filled with formations of waterfowl in unimaginable numbers.
Welcome to Winnipeg, the Manitoba city full of major surprises. While the Canadian Museum of Human Rights dominates the downtown skyline, it's only one of many museums and galleries you'll find downtown. And Winnipeg is rich with culture in every part of the city. Watch a ballet in the green grass of the Assiniboine Park, turn down an alleyway and step into an open air art installation or kick up your feet to a Voyageur jig or swing dance on a street under the stars. From cramped bars and private art collections to huge street parties and world-class concert venues, there's something for everyone.
Winnipeg to Edmonton
19 hours, 40 minutes train journey
Rolling grassland and flat prairie alternate for much of the journey to Alberta's capital at Edmonton. Anyone who thinks the prairies are flat and uninteresting is in for a pleasant surprise. The railway has to leap across valleys on tall, long trestle viaducts – Saskatoon is known as the 'City of Bridges'. Sadly the wonderful wooden grain elevators that punctuated the prairie landscape have largely disappeared now. Each town used to use a different colour and announced its name on large letters on the timber siding. After Melville, look out for whooping cranes and hawks, just two of over 260 species of birds found at the nearby Last Mountain Lake bird sanctuary.
You'll feel right at home in vibrant, expansive Edmonton. Alberta's capital city is always celebrating something, from arts and culture to food and wine, dragon boats, winter and even accordions. Explore Edmonton's museums and historic sites, come to the famous farmers' market in the Old Strathcona and visit with local vendors and visit the galleries and shops, find a funky restaurant and stick around for the night life – live theatre, music and dancing. The historic Old Strathcona district has a neighbourhood feel, while Whyte Avenue leads to the University of Alberta and its youthful crowd. A short drive outside town is the North Saskatchewan River valley. But Edmonton's most famous attraction is the West Edmonton Mall, boasting 800 shops plus an indoor roller coaster and water park.
5 hours, 25 minutes train journey
Before entering Jasper National Park, the railway crosses the 1,230km-long Athabasca River, renowned for its turquoise colour. Jasper is surrounded by the peaks of Jasper National Park, which allows it to play host to plenty of outdoor pursuits. Take the Jasper Tramway up Whistlers Mountain for great views of the mountain and valley from above the tree line. Walk the Maligne Canyon trail that crosses the canyon six times and Maligne Lake, the largest glacier fed lake in the Canadian Rockies. Here you can take the popular narrated cruise on a glass bottomed boat to the picturesque Spirit Island. Another great trip is to Miette Hot Springs. This road is one of the best animal spotting routes in the park, so if you haven't seen any wildlife on your trip so far, this could be the best trip to take!
Jasper to Vancouver
20 hours, 15 minutes train journey
After passing Yellowhead Lake, Mount Robson, the tallest mountain in the Canadian Rockies looms into view, just across the border with British Columbia. It's so large that it even has its own microclimate. From here, a succession of majestic sights follow: Pyramid Creek Falls, the North Thompson, Thunder and Blue river crossings, Kamloops Lake, Rainbow Canyon and its multi-coloured rock faces and, one of the most spectacular stretches of the whole journey, through Fraser Canyon and past Hell's Gate, a name derived from the journal of explorer Simon Fraser who described it as 'a place where no human should venture, for surely these are the gates of hell'. The train gingerly picks its way along a shelf suspended above the V-shaped gorge, with a cable-car above and a fish ladder below to help spawning salmon battle upstream. Journey's end is close when the Canadian clatters across New Westminster Bridge, built in 1904. A suitably grand station building receives passengers arriving into BC's largest city, Vancouver – known for repeatedly winning global 'Best City' awards.
Downtown Vancouver is an intriguing mixture of steel, concrete, mirrored glass buildings, modern sculptures and old-fashioned fountains. There is so much to see and do in the city. You can rent a bike to ride around the Seawall in Stanley Park or try rollerblading if you are feeling adventurous! Dinner can be taken at the top of Grouse Mountain for a spectacular view of the city lit up at night and you can reach the summit by the Skyride Gondola. Take the ferry across False Creek to the refurbished Granville Island - the place to be on a sunny day. Here you can shop in the Public Market, walk round the marina, browse in the gift shops or sample some of the local food.
A visit to the Capilano Suspension Bridge is well worth it for the spectacular views and stunning forest scenery. Alternatively spend some time at the Lynn Canyon Suspension Bridge nearby. Take along your bathing suit and you can have a dip in Lynn Creek after a short walk in the forest. There will be plenty of time for shopping on Robson Street in its trendy shops and the Robson Public Market. Visit Chinatown - the second largest Chinese community in North America and home to the beautiful and peaceful Dr. Sun Yat-sen Classical Chinese Garden. No visit is complete without wandering through Gastown where Vancouver started. The brightly painted buildings date back to 1886 and old gas lamps and trees line the red cobblestone streets. There are many galleries, restaurants and gift shops here The Boathouse Restaurant is a great place for dinner, while watching the sunset over English Bay and people watching all the evening strollers.
What's included?
- 21 nights' accomodation and room tax including 5 nights' aboard VIA Rail.
- International flights from London (please ask if regional airports are required).
- VIA Rail train travel.
- A detailed and comprehensive travel pack with maps.
How to book
Daily Departures.


text:
- Home
- About
- Stakeholders
- Adjacent communities
- Adjacent communities
- Environmental NGOs
- European institutions
- Experts/Academia
- Industrial consumers
- Land owners
- Land owners
- Local citizens' initatives
- Local elected officials
- Local citizens' initatives
- Media
- National/Regional policy makers
- Permitting authorities
- Power producers
- Private consumers
- Regulators
- TSOs
- Channels
- Contents
- Formats
- Practice examples
- User guides
- Messages
Project preparation
Project stage description:
During the Project preparation stage the project developers typically elaborate the first corridor options to prepare for the application procedure. This includes the consideration and assessments of a lot of rather roughly defined route alternatives for the further development of the project. Typically, two to four broad corridor alternatives are elaborated in cooperation of planning offices and external stakeholders. It is therefore the stage during which certain local interests and particularities (such as natural reserves, historical sites, communities, infrastructures, etc.) can be directly integrated into the further project.
Stakeholders should be actively asked to contribute their suggestions, to inform the project developers about local details that should be considered in planning the Project location and to share their concerns about the grid development project in general. An early dialogue on these issues has proven to be of considerable help in avoiding conflicts and resistance at a later stage.
Apart from involving different stakeholders into the project planning, it is also important to give sufficient and transparent information about the context of the project. This will also outline the reasons behind the project and the effect it may have on the region or country (e.g. power needs to be transported from north to south, energy transition might benefit national industry). Early information about the long term benefits of the project, both to the community and to society as a whole (e.g. security of power supply, decreasing energy prices) can promote early acceptance. However, macro-level project benefits may appeal to stakeholders before they are directly affected by the project, and local-level impacts may reverse stakeholders' opinions once they find themselves in an affected region.
A multitude of options exists for informing and engaging stakeholders during this stage, and TSOs should – in their own interest – make a real communication effort at this point. Considering the risk that stakeholder involvement and interest among certain groups can remain low during this stage, typically until the corridor or line routes are finalised and certain communities feel specifically affected. It is recommended to involve established representatives (e.g. politicians and associations) to get involved on behalf of the communities that they represent before local communities and individuals feel affected enough to organise and involve themselves.
Stakeholders involved in this stage:
Usual patterns:
In the first project stage "Determination of need", the decision for certain grid development project has been made on a high national or international policy level. It is now to be implemented by the responsible TSOs who begin to plan all aspects of the project at this stage. The Regulator or Permitting authorities can act as advisor and supervisor.
If not yet drafted, this stage includes elaborating and finalising the Communication strategy considering all other stakeholders that will be involved and/or affected during the project. This entails identifying the main multipliers (e.g. Local/Regional authorities and Environmental NGOs) and starting the dialogue at an early stage. All other stakeholders should be addressed early on as well, in order for the project planning to be able to take into account their main objections. However, exchanges that are initiated too early, before any concrete information is available, may not be particularly productive, as local stakeholders do not feel particularly affected by the project yet. However, exchanges should certainly occur when different options still exist and all final choices have not yet been made. This makes the engagement of local politicians, NGOs etc. at this stage even more important because they can represent the interests of local individuals and communities before they engage in the dialogue themselves. It is important that representatives communicate their engagement on behalf of their constituents and pass on their findings of the dialogue with the project developers.
With regards to stakeholder engagement in general, the TSO at the Project preparation stage must try to analyse what issues might arise during the implementation of the project. This means taking into account which actors would be most likely object to the project, what their main objections would be (e.g. visual pollution, declining house values, environmental issues and health effects), how these objections can be addressed and what compromises could be offered.
Further project-specific questions:
What groups may be opposed to the project?
What are the main arguments against the project?
How can other stakeholders be best informed via formal and informal means of communication?
How can the TSOs act to involve key stakeholders early on?
Usual patterns:
Local and regional officials can provide information on the general perception of the project and can provide specific information on local particularities to be considered in project planning. In addition they may be able to provide information about possible concerns and opposing views.
They are important representatives for all individual stakeholders that will be affected by the project and have not yet become engaged in the dialogue.
Local and regional authorities could also act as important multipliers. Authorities involved in the dialogue as representatives of the local public should inform their citizens about the project progress and the extent to which their interests are considered by the project developers.
Further project-specific questions:
Which local or other officials could provide useful input into the planning process?
How can they be best involved? How can they be encouraged to provide input and become engaged in the project planning?
How can elected officials be generally included to act as intermediates between the citizens (who elected them) and the project developers in case of conflicts?
Have regional or national officials been involved in the decision-making processes for the grid development project? If so, how can they be included in the project communication strategy to explain their decisions?
Typical channels to use in communication:
Usual patterns:
It is strongly advised that the project developers create project-specific websites at this stage or include useful project information in their main homepage. This allows any member of the public to access the information directly from the TSO, therefore increasing transparency. Possible contents are the explanation of the need for the specific grid development project, the project schedule and next steps, information on the project developers and possibilities to get involved and provide input from an early stage on.
The Project website could also include surveys or questionnaires to solicit public opinion and input in a less formal manner than an official consultation or debate. This helps to demonstrate the project developer's interest in taking public concerns into account and establishing a dialogue with different stakeholders at an early stage of the project. It also provides the TSOs with information about the issues that might arise during the further development of the project.
Websites can also be useful to NGOs, the Media, political authorities or any other stakeholders involved to publish their point of view and potential input and involvement with the project.
Direct mailings or e-mailings to various stakeholders can ensure that they receive key information and can allow for distribution of targeted text-based or visual material, such as flyers, brochures and Fact sheets.
The Project website is a good channel to provide stakeholders with dedicated contact information for any kind of requests or questions that may arise.
Further project-specific questions:
What relevant project information already exists that could be published and does it need to be adapted for online publication?
How can viewers be encouraged to visit the Project website to learn about the project?
Can informal consultation formats be embedded into a Project website?
Is establishing a newsletter regarded as helpful at this stage? Who could be interested?
Usual patterns:
Interactive formats, such as events, visits or meetings of various sizes can help not only spread information about the project, but also solicit stakeholder input.
Interactive formats can give stakeholders a chance to be involved, rather than simply informed, and may demonstrate the project developers' willingness to actively engage other actors.
Communication on events is essential, in order to give stakeholders all possible opportunities to participate in Project preparation.
Further project-specific questions:
Which stakeholders' inputs are important at this stage? Given the resources needed for interactive formats, on which stakeholders should resources be focused at this stage?
What are the best forms of events and at what time should they be implemented?
Usual patterns:
More traditional media has proven to be a good source of advertisement and announcement for grid projects in early project stages in certain countries, such as Spain. In this case the media acts as a multiplier for the information to be distributed to the public.
In other locations (e.g. Ireland), however, even positive engagement of traditional media in early project stages can be negated if public opinion changes during later project stages.
Either way, traditional media, announcements and advertising can help raise awareness and spread information while the project is being prepared, in order to potentially boost public participation at the early project stages and keep the public informed and ensure that the project process is transparent.
Guiding principles of the reporting should be informative, objective and well-researched articles. Reader's comments as well as declarations of TSOs are common and should clearly be identifiable as such.
Further project-specific questions:
Which media sources could be most effective at raising awareness for the project?
How often and when are press conferences appropriate and useful?
How can the media be supplied with the facts and information that are needed to produce objectively and well-researched reports?
Essential content communicated:
Usual patterns:
Certain Technical details may be communicated at this stage, if known. However, the most relevant details are likely to be developed in further project stages.
Further project-specific questions:
- Are there any Technical details that are worth communicating at this stage?
Usual patterns:
Compensation measures that are necessary or possible may not yet be specified at this stage of the project. It might be of interest to still inform the stakeholders that compensation could be given in certain cases.
Further project-specific questions:
Are there any legal constraints to Compensation measure?
Can Compensation measures be addressed in such early stages of the project?
Country-specific examples:
For large projects, determined by the length and voltage of the project, the RTE has to inform the National Commission on Public debate (CNDP), which then evaluates whether a public debate is required for the discussion of the project. The CNDP has been established by the French government and consists of 24 member organisations (NGOs, mayors, politicians). If a public debate is agreed upon by the CNDP, a public consultation takes place during the Project preparation and includes between five to seven meetings on the different topics relating to the project.
Since the introduction of new legislation in 2011, the need determination process in Germany includes public consultations and the Project preparation therefore is based on the results of the first consultation. Furthermore, TSOs are required to take the outcomes of a second consultation into account when preparing the further developments of the project.


text:
"I don't know what they are called, the spaces between seconds–
but I think of you always in those intervals."
― Salvador Plascencia, The People of Paper
Sometimes, when it's been a particularity rough day, I try to picture it, to imagine the whole crazy scene- a weary husband comes home from a day at the office or the factory. He dutifully, slowly tells his wife that he has to move to another country for a year. His boss told him to, and there is little time to prepare now. Anything his boss wants, his boss gets.
But it's okay, right? That's his job, and he signed up for it, and so did she for that matter. There is no need to get upset. Just be proud, set your jaw, and embrace the suck. Cue the canned laughter.
My feelings since Sky left haven't really calmed down. I'm still a bit heartbroken and angry. I often feel, though, like I'm expected to be a little sad, but mostly okay. And sometimes that feels unbelievably strange to me. There are times when I am a little sad but mostly okay; after all, when you have kids, there is no luxury for all of your emotion, no time to comprehend it all until they're in bed. But also? I have had days where I've cried through every moment they weren't awake. Where I've had to run to the bathroom to let it out for a moment before pulling myself together to make a box of macaroni or load them into the car for Sonic the third time in one week.
When you marry someone, it isn't because you can't handle life on your own. Most of us do what we need to do to get by as adults, and most of us have lived alone for at least a small part of our lives. You marry them because you love that person. Because you want to spend time with them. And then the military calls one day to tell you that you can't. And you're supposed to be okay. A little sad, but mostly okay. I occasionally wonder how often people think of what it would feel like to have their spouse leave and get a new mailing address. Of course, I can't imagine the many other scenarios that people have had to face in their own lives, either. So many battles we'll never know.
War is incredibly abstract. From a distance, the military is what politicians praise (while secretly slashing their benefits) and people cheer for or blame. It's something we are used to seeing on the news, flashes of uniforms and armored vehicles and bombs. None of it can feel very real, though, because if that face they showed on the screen happened to be someone's husband, brother, son, or father, it would hurt too much to fathom.
The problem is, they do belong to someone, to many someones. I do my best to keep the TV off, but Walter saw a magazine cover with a soldier on it at the grocery store today. He exclaimed excitedly, "Mama, it's like Daddy! It's an Army guy!" I nodded, distracted by unloading gallons of milk in the checkout lane. "Why does he have a gun?" he asked. I stared at his sweet face. They know so little about it all, and thank goodness. To them, Daddy is a hero, probably someone a little larger than life, and someone we spend a lot of time missing.
We feel his absence every single day.
In the morning, he's not there. There isn't a morning kiss, a lazy Saturday with orange rolls to be shared, or a reason to brew a full pot of coffee. There isn't someone else getting them ready for church or running down the road to the next town over for doughnuts as a treat.
At dinner, he's already been asleep for hours there. No sound of the door opening, the cheers because he's home, or someone to compliment me on my (lately barley existent) cooking a full meal. No one else helps Walter with his bath, or does stories with funny voices, or oohs and ahhs over something Millie did in school that day.
At night, it hits all of us the hardest. There are whispered, broken confessions. "I miss Daddy." They each press a paw on their teddy bears that play a little message he recorded, and we stay silent in the dark to listen to his muffled voice say he misses us and he'll see us soon. When I crawl into bed, a day's worth of exhaustion or grief or anger overwhelms my body, running through me. Then I hear the familiar ding on my phone because it's early morning there, and he's saying he loves me before he heads off to PT.
And I think about him, and what it must be like there. A landscape totally unfamiliar. The droning on and on at meetings. The coming home at night to what home is temporarily. The same uniform day after maddening day. The time apart from two small souls who think the world of him.
We're still fine here. The kids still have three meals daily, still have a ball spending time at grandpa's house, and we always manage to get through the day and begin a new one over and over. Sometimes, we have fun, exciting times, or at least afternoons that can distract us. But I can't pretend it feels normal to have a fourth of our family thousands of miles away for a year. (Thank God it doesn't.) The part about deployment getting easier as it goes doesn't exactly feel true in the least, however. We have the days it hurts less and the days it hurts just as much as the time we said goodbye. Maybe it's the expectations, or maybe it's realizing how pathetic I sound, but I'm embarrassed to feel this much, this often. I'm painfully aware that I should be over it by now.
So when they asked me how I am doing, I pause and then give whatever answer I think is supposed to be appropriate. To this blog, I write infinitely too much. To Sky, I probably say more than I should. To my parents, I tell the truth. To my close friends, I say it's hard. And to everyone else, I say something about hanging in there.
A little sad, but mostly okay.