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Ride the Rockies 2013: Battling hot hills on the way to Durango
I had sat through the afternoon presentation of the upcoming ride. Geologists and hydrologists talked about the upcoming route and the physiological provinces we will be riding through. My fiancé and I were in the Colorado Plateau Province as we skirted the Southern Rocky Mountains Province. Needless to say we climbed through areas with bands of red rocks and rode down through pine forests.
We started riding out of Cortez, Colorado, at a very early start of 5:30 am to beat the heat and I would say the heat beat us. Today quickly heated up. The route was hilly with most of it on high traffic roads. We looped through farmlands before dropping into Mancos, Colorado, where riders got their daily dose of music. There were games and quizzes, where one could win a cool RTR T-shirt by playing. My fiance and I continued our hot climb to Hesperus Ski Area for the final aid station. People sprawled out wherever they could find shade while enjoying a wide range of food.
The decent was fast into Durango ending at the Durango High School where we found our own shade and cool drinks.
Even with an early start, I seemed to be passed by many riders. I hear many people say this is a vacation not a race but at times it seems you are in the middle of a race by accident as groups of riders, in matching superhero outfits, fly by you without even a hello or a "On your Left". I guess when you are riding that fast the vocal cords stop working. A common courtesy is to alert the rider you are coming to pass with a "hello", a bell or better yet say "3 riders on your left." By my non-scientific study, woman say this more then men.
On a side note, George Hincapie doesn't race any more but Telluride to Cortez took him 2 hour and 56 minutes. With my 5 hour time, it seemed fast to me. Maybe if I don't stop and eat pancakes, take pics or enjoy a smoothie, I could trim some time but I am on vacation.
Due to the heat and thinking how nice a beach would feel, I found myself humming the song, Pirate Flag by Kenny Chesney.
Tomorrow's ride will be from Durango to Pagosa, Colorado. You will find me sitting in the hot springs at the end of this day.
Follow me on Twitter for route updates and photos. @digitalolson


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There is a growing threat of the species' extinction under the onslaught of professional poachers with automatic weapons, modern 4x4s and night-vision goggles.
Those brave men and women deployed to protect Africa's wildlife are out-resourced by an enemy correctly now identified alongside international drugs smugglers and human traffickers.
"Africa has half-a-million elephants left, but all together they would not be enough to satisfy the demand that has arisen," said Paul Udoto of the Kenya Wildlife Service.
In the face of these stark realities, the battle to save the African elephant is increasingly being waged on a new front, one aimed at victory not through moral reasoning, but through cold economics.
With an eye to the successful near-death of the trade in fur clothes decades before, conservationists are focusing on removing the demand for ivory rather than intercepting its supply.
The argument is simple: if no-one wants to buy the stuff, no-one will go to the effort of killing elephants to procure it.
But in practice, that will be difficult. China's rapidly-expanding middle class, aping its richest elites, consider worked ivory as a status symbol as potent as a British yuppie once saw his sportscar or yacht.
There is also a great deal of ignorance. A recent study found that almost 70 percent of Chinese people surveyed said they did not know an elephant died for its tusks to be taken.
In the follow-up question, 80 percent then said that now they knew, they would not buy ivory.
With that in mind, efforts are increasing to make ivory uncool among China's young, with the very public support of major national celebrities. Chinese online chat-rooms discussing ivory have been closed and archives deleted.
There is hope: a similar campaign has succeeded in winning promises from the Chinese government to ban shark's fin soup at all state banquets, in a bid to produce a trickle-down reduction in demand among ordinary citizens.
The question now is whether that same approach can kill off the hunger for elephant ivory, before the elephants themselves are all dead.

subset: commoncrawl


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New Perspectives - Redesigning Thought
Wonderings, ponderings, and quotes and things of Dan.
Friday, June 12, 2015
Not Perfect - Okay
I like being reminded how human I am and that I am not perfect, it doesn't happen often. I wouldn't like myself myself as much if I were always perfect?
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Do you know you may refine a search by telling Yahoo to search for certain types of content material? Get the newest news on the Philippines and the world: nation, enterprise, leisure, sports, world Filipino and life-style in text, video and pictures. Small enterprise recommendation, information, and tools from Yahoo Small Business Advisor. Get breaking news tales and in-depth protection with videos and pictures.
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There's also nothing like being in the presence of a ditchdigger or a cleaning lady or a bricklayer (as my father was) to make me feel that my whole life is a disloyalty to my blue-collar roots. My mother never—again, oh my God, NEVER—had a cleaning lady (and that was with eight kids).
So even though Marta's younger than me, she triggers all the unresolved guilt and sorrow and pride I have for my own mother, for my paternal grandparents who came over from Ireland, for my father who worked so hard, for the fact that I escaped the blue-collar life for the writing life. There's a whole world between the people who clean houses and the people who hire others to clean their houses, and that world--that gap--is where I live.
I turned.


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You Choose '08: The Economy
48 comments :
The only way to stop the recession is to Globalize the world! So there will be just one economy under one currency! That way every one Wins and are in more equal terms!ReplyDelete
She speaks with common sense.ReplyDelete
Have you seen the vid about short stays in paris?ReplyDelete
im gonna buy a gun and kill myself with the $600ReplyDelete
Check out this cute dog. She loves crackers. http://www.youtube.com/watch?v=T11vF6BTeEMReplyDelete
senatorbarack.com is a great resource for this stuffReplyDelete
The only way to stop the world's problems is to give everyone Youtube...ReplyDelete
Millions are flowing during campaigns to be elected, billions are used for weapons to protect each countryś interest. Who will save his/her money? For what? Young people who want to receive their diplomas to be able to get a job? Or grannys?ReplyDelete
I cannot ski and i am afraid to cross the ocean after i saw the film, Titanic and i can never be a space tourist anyway, so let me enjoy my cents in the way i like it to spend.
Planet Earth
Hey YouTube-Team! Why don´t you have a look at the comments and reactions on your blog entry "New Experimental Personalized Homepage"? Hmm, maybe you don´t care. Am I right?ReplyDelete
k that was ok not badReplyDelete
there is no time to worry about this. we must take the assahabmedia off of youtube straight away it is an anti-western propaganda site and must be shut down immediatly!!ReplyDelete
i cant believe it hasnt been done already.
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This is incredibly liberal biased.ReplyDelete
Who is this sweet girl with white T shirt? ;D ?ReplyDelete
Youtube, Love the April Fools Thing...Awesome! How do I become featured like that?ReplyDelete
ECONOMY: VERY SIMPLE SOLUTION....PUT OUT TRUE ADDS FOR ENTREPRENEURS AND LOAN PEOPLE BUSINESS LOANS THAT HAVE THE PROPER AND PROVABLE EXPRIENCE AND OVERALL KNOWLEDGE IN THAT FIELD AND LET THESE PEOPLE CREAT JOBS AND GIVE ALL NEW SMALL BUSINESSES TAX BRAEKS AND MATCH THEIRE PROFITS IN HALF WITH A 100THOUSAND $ CAP(50G'Z CAN HIRE ATLEAST 3 PEOPLE OR MORE DEPENING ON THE BUSINESS) FOR FIVE YEARS STRICTLEY FOR UPGRADING AND NEW HIREES...WELL I COULD TELL YOU MORE BUT ILL CONT.2MARROW AND WE'LL TALK ABOUT THE FEUL/OIL AND OZONE CRISISReplyDelete
Unfortunately the greatest amount of people who receive this so called stimulus package are people who say "Hey! Free money from the government! Lets go buy that big screen TV!" Nevermind the fact that the people getting this rebate from the government probably have not even payed taxesReplyDelete
(thats right - the people actually paying the taxes don't get squat while the people who don't pay taxes seem to get free handouts), but they are probably also trying to live beyond their means in the first place in the first place.
I'm sorry to do this but, since I can't find a better place to do it: BRING BACK THE "SORT BY VIEWS" FUNCTION!!!!!ReplyDelete
Cool Blog.....Sen Barrak Obama is satan in disguise. Hillary Clinton! well she is just riding the coat tails of Bill. My VOTE will be for McCain!!!ReplyDelete
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Is Judge Fauver above the law. 4-02-08ReplyDelete
Peter Macdonald 465 Packersfalls rd Lee NH 03824 603-659-6217
Yesterday on TV judge Fauver sentenced Dodd's for the car accident. The biased judge stated the sentence was for Dodd's after the trial TV statement about police. Dodd's criticized police for their investigation and attitude. The Strafford county Sheriff's office spends many hours a day investigating me to stop my criticizing Fauver in letters. Fauver is a public official that has sworn to abide by the Constitution. It, by the Constitution is our duty as citizens to correct the wrongs in government. In my opinion Fauver's wrongs mount to criminal acts. The NH supreme court knows about Fauver's criminal decisions but refuses to do any thing about them. Yesterday was just another day that the judicial branch of government diminished the Peace and dignity of the State of New Hampshire.
The Veteran's Administration stopped my VA medical care for my 100% service connected disabilities to stop my letters. This is a crime yet no one will do any thing. The belief that the Sheriff's office or law enforcement is here to protect the character of judges and other public officials is wrong. The Constitution was written to protect the people from dominate government officials. The VA now uses the VA suicide hotline to harass me. The suicide hotline now sends the local police to do safety checks to harass me. Just last night the suicide hotline started calling me after 8 o'clock at night to harass me. I have asked them many times to stop. My medical was stopped for 6 months before it was restored. Now I get limited care at a substandard, token jester to make the records show the public no harm was done. I expect my disability pension to be stopped next. How can the newspapers not want to allow a U.S. citizen to express his opinion in a letter to the editor?
Letters to the editor are the people's way by constitution to correct the wrongs in government. My suicide will not correct the wrongs in government but they will sure stop the echoes of war from ringing in my head every day. As a 17 year old I became a United States Marine. Veterans every day since the creation of the United States of America give their lives to stop people like Judge Fauver from diminishing the Constitution. Have we lost sight of what the U.S. stands for? Have the newspapers become so unethical that they refuse to print the other side of the opinion.
Peter Macdonald Sgt USMC Semper Fi
how can i automatically play my video..on my chanell..if theres other chanell who go to my chanell????ReplyDelete
exactaly 1auctally i didn't get a word she said.ReplyDelete
McCain is the only canadate to have it right. He said in essence to let the chips fall where they may. The taxpayers have no business bailing out people whom for the most part made bad judgements. We allow these people to fail we send a strong message that you and you alone are responsible for what choices you make. The econonmy will run its coarse and our presidential canadates should keep their noses out of the situation.ReplyDelete
She is not that right i think. The point is be just happy about it. Why not? Hopefully she was joking by saying to send the envelope back ... Bullshit. The total amount of money what every individual person gets is not only for spending in a mall. At least a little percentage is paying their debts off or just save it. At least 10 % of the money is goin into the economy and helps the exactly same economy to take a breath. In my opinion this could be a problem. Its a help for a short term period of time and after a while its all goin back to normal. A solution would be to lower the taxes for lower and middle income classes and help them to help the economy in a longterm view.ReplyDelete
I agree with this video. People should be careful what they do with their stimulous package money. I am going to add this video to a blog entry I wrote called "Spend your stimulous Package Wisely, it May be all You'll Get"ReplyDelete
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Hi i like this videos hope that you have many video you post.ReplyDelete
You are great!!!!! You hit it right on the head!!! in so many words our goverment are nothing more than a bunch of military backed thugs with their hands caught in the money cookie jar!!!! I am sick of the bullshit!!!!ReplyDelete
Are You???
Please contact me.
I may not have the answers to the worlds problems.. but i would love to share my opinion's and possible answers on how we as people can make a change, and form our own history by joining together through marketing concert events, and sporting events and useing the proceeds to better our own community's economic growth.
Hey Ya'll I hate this thing...You Youtube people shou;d make it more like nexopia's!ReplyDelete
And of course the U.S. presidential candidates aren't going to miss out on the opportunity to weigh in on the economy, either. Senators McCain, Clinton, and Obama all have videos proposing solutions to the U.S. economic crisis. Check them out on our You Choose '08 platform.ReplyDelete
Finally, you can toggle through this playlist for a broader look at the conversations going on about the U.S. economy. Keep an eye out for the video from wallstrip -- it will make you laugh, even if your pocketbook is feeling wounded.
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2019 Vendor Program
|8′ x 10′
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A weekend or day pass is only necessary if the vendor would like to participate in any of the event activities. A 10% discount will be offered on the purchase of any pass, priced at the date of the vendor contract signing by a participating vendor. Limit of 2 pass discounts per vendor. Please specify on the vendor application if you would like any passes, how many & the names of the people they are for & include payment with your vendor payment.
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We provide tables for flyers to promote your event or services. If you would like to reserve space to set up a display or a popup banner, a location will be determined by Vendor Coordinator if space is available. Contact Robin Browne for further information at firstname.lastname@example.com.
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text:
Surreal Visions of a Girls' Boarding School in Jacqueline Audry's 'Olivia'
The world always has a reason why sex is wrong, so perhaps the most subversive element in Jacqueline Audry's Olivia's is its refusing to condemn.
Randall Bramblett's "Vibrating Strings" Is About Staying Alive (premiere + interview)
Multi-instrumentalist Randall Bramblett releases the reissue of his acclaimed, quiet masterpiece, The Meantime in 2020. "This was not an easy record technically to make," he recalls. "We were vulnerable." Listen to "Vibrating Strings".
The Curmudgeonly King of Noir Chronicled in 'Notes From the Velvet Underground' The Life of Lou Reed'
Howard Sounes' Notes From the Velvet Underground is a beautifully considered book, with enough detail about the life and career of Lou Reed for the geeks, enough context for the historians, and just enough juicy stuff for everyone else.
On the Raydio: An Interview with Ray Parker, Jr.
With a documentary and new album slated for 2020, GRAMMY-winning legend Ray Parker, Jr. reflects on his career from Motown to "Ghostbusters" and beyond.
The 15 Best Avant-Garde and Experimental Albums of 2019
In an age when the personal is political feels as necessary as ever, we identify most with experimenters who transcend the throwing-shit-at-a-wall, banging-on-pots-and-cans approach. These artists occupy the earthly just as much as they occupy the mechanical and the celestial.
The Power of Looking Compels 'Portrait of a Lady on Fire'
Set in 18th century France, Céline Sciamma's Portrait of a Lady on Fire applies ravishing historical details to the timeless poetry of forbidden love.
Sharon Marcus Challenges Current Cultural Theories in 'The Drama of Celebrity'
Who decides who gets to be famous? What does it mean to be famous? Sharon Marcus offers insight.
Music History, the Conspiracy Theory: On Ted Gioia's Music: A Subversive History
Although enjoyable in that sweeping big picture kind of way, there is nothing subversive to be found in Ted Gioia's Music: A Subversive History.
The Best Jazz of 2019
Our jazz critics create four quartets of great creative music, demonstrating four trends that keep "jazz" relevant in a new century.
MetalMatters: November 2019 - Winter Is Coming
Filled with everything from extreme doom/death and progressive death to experimental avant-garde jazz induced visions and screamo dreams, November does not disappoint.
Venus as a Boy in Silent Film 'Little Old New York'
Sidney Olcott's silent film Little Old New York falls into a tradition of men who find themselves strangely attracted to boys that turn out to be girls in disguise.
Jami Attenberg Explores Patriarchal Fallout in 'All This Could Be Yours'
Through a familial lens, Jami Attenberg offers a thoughtful and often darkly funny exploration of Trumpian patriarchy in All This Could Be Yours.
Yeezus vs Jesus: Kanye West's Faith in 5 Songs
Kanye West's rap is rooted in gospel right from The College Dropout days. These five songs, which explore the relationship between Yeezus and Jesus, show that his recent album, Jesus Is King, isn't an aberration.
The 70 Best Albums of 2019
From forward-looking electronic and experimental to new approaches in the ever-evolving R&B scene, from hip-hop and punk to rock and pop, 2019 bestowed an embarrassment of musical riches upon us.
The Best Progressive Rock/Metal of 2019
This year in progressive rock and metal found genre mainstays continuing to impress while relative underdogs and newcomers finally seized some of the spotlight.
Friend Within Brings Sunshine to the Dancefloor on "Space Jam" (premiere)
Liverpool producer Friend Within's "Space Jam" is the kind of deliciously fun, deep house tune made for detonating those winter blues.
A Pact to Be Tender When the World Is Coarse: Stewart Lupton and Jonathan Fire*Eater
With the release of the expanded edition of Tremble Under Boom Lights, the 45-page chapbook of the poetry of Stewart Lupton, and the re-release of Wolf Songs for Lambs, Jonathan Fire*Eater are ripe for reappraisal.
The 20 Best Hip-Hop Albums of 2019
Following Stormzy's run up the charts, 2019 proved to be a banner year for British hip-hop with a trio of masterpieces. America's myriad hip-hop scenes delivered the goods, and African rap gave us many stellar releases.
'Shapeshifters' and Other Trans-forming Humans
Supernatural Historian John Kachuba deftly demonstrates in Shapeshifters: A History that change is the only constant in life.
With "Santa Baby", Emergency Tiara Updates a Classic Just in Time for the Holidays (premiere)
J-pop meets vintage girl group in Emergency Tiara's smart, sassy cover of the Eartha Kitt Christmas standard, "Santa Baby".
Ambient Producer Steve Hauschildt Gets Glitchy on 'Nonlin'
Electronic artist Steve Hauschildt has made one of his most challenging records with Nonlin, but that makes it one of the most rewarding.
The Book Every American Needs to Read: 'Open Season: Legalized Genocide of Colored People'
Award-winning lawyer Ben Crump's Open Season irrefutably documents how America's treatment of Black Americans and other minorities is indistinguishable from genocide.
Pan American Expresse Powerful Emotions Through Guitar Instrumentals on 'A Son'
As Pan American, Mark Nelson sings for the first time since his magnum opus Quiet City, but his emotions are most powerfully expressed through his instrumental guitar compositions.
The 10 Best Ambient Albums of 2019
Ambient music has grown with the birth of streaming, ushering in big audiences to sounds both challenging and relaxing. Here are ten best records of the year that say so much without saying a word.
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The comedian and former Saturday Night Live Weekend Update host tackles race and political correctness.
At a certain point in this often jarring meditation about growing up in 1970s Brooklyn, the author warns readers that many of them will probably come away thinking he's an ass. He may be right about that. There's little in this Irish comic's impressions about nearly any race that hasn't already been heard many times before. It's true that Quinn's over-the-top generalizations about particular cultural predilections are clearly more comic than critique, but by now, hearing yet again how the Irish are like this, or the Asians are like that, and so on, will strike many as tiresome. Fortunately, Quinn doesn't rely too heavily on his ethnic jabs to score points, choosing wisely to expend just as much energy, if not more, on self-deprecation. Whether recounting a drunken and deranged attempt to rip off a couple of sex workers secretly armed with rock-lined handbags or a particularly ugly incident groping a sad and lonely shut-in during a liquor store home delivery, Quinn demonstrates a laudable frankness that probably didn't automatically manifest itself once he sobered up. "Talk about beer muscles," he writes. "When I drank I was convinced I was an intellectual martial arts champion. I swaggered around the streets of New York City like I owned them." The heat-cooked asphalt and glass-strewn streets that helped shape the author's former hard-living ways are, indeed, a richly textured font of engrossing escapades. Quinn excels best when recounting his alcohol-soaked adventures, although he never spends enough time in any one locale before he's off again characterizing what he has found to be the best and worst in its diverse inhabitants.
Dark and gritty comedy served with just a little too much rancor. Quinn squanders a promising opportunity in a memoir that ping-pongs between bar-stool pontification and bad-boy confessional.


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Are you aware that there is a National Snow Cone Day? It's true, and it's observed on December 21. There is a day or week dedicated to the celebration, awareness or remembrance of almost anything and everything—some frivolous in focus, others intensely serious (snow Cone aficionados — please don't send me hate mail, I love snow cones, I am eating a rainbow snow cone as I compose this column). This nature of publically-designated dedications is on my mind since this column will run the final day of Be Kind to Animals Week. It is the 99th anniversary of this week that is designed to call attention to the 3-to-4 million animals who are euthanized each year, the hundreds of thousands who find themselves victims of disasters, and the far too many who are victims of abuse, neglect and cruelty. That's what this week aims to do in 2014. Can you imagine what horrors prompted it creation almost 100 years ago? Progress has indeed been made, yet we have many more miles to cover if we are to live up to the slogan of this week. The journey to achieve humane treatment of animals is far from over.
Nevada Humane Society was not yet in existence 100 years ago. Nevada's first animal welfare organization did not open its doors until 1932. Our organization was founded in response to the appalling reality that animals were being rounded up, taken to a big pen in the woods and…well you can imagine the rest. Much has changed since two courageous women stood up and said "not on our watch, not in Reno." In 2007, NHS launched the transformation of Washoe County into one of our nation's earliest no-kill communities. NHS still takes in 90% of our community's animals and treats over 15,000 animals every year. Since committing to a no-kill mission seven years ago, we have saved over 65,000 animal lives.. Washoe County is now one of the safest places in our nation to be a lost dog or cat. Yet again, our challenge is far from over.
In the past week NHS has responded to two hoarding cases that involved over 80 cats in only two homes. We regularly receive animals who–through lack of understanding, neglect or downright cruelty–need substantial medical, behavioral and financial investment. Animal cruelty continues to be underreported, under-investigated and under-prosecuted across the nation. Progress has been significant and as a community, we can stand taller than most. Yet more can, must, and will be accomplished. This week is but a reminder of work left undone.
Events that help animals
Walk for the Animals, May 24th Join animals lovers from all over Northern Nevada at the Sparks Marina for the 7th annual Walk for the animals. A fun filled day of music, entertainment and walking to save lives. Online registration and other details available at www.nevadahumanesociety.org.
Nickel Neuters May 1st – May 21st , Have your male cat companion neutered for just $5.00 at Nevada Humane Society. Appointments required, call 775-856-2000 ext 333, call today!


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With that being said, the change that is being made is that Seed Thoughts will no longer host my book reviews. I'll still be doing book reviews; however, I've added a new blog that will solely be for and about books! The reason for the separation is really quite simple. In the two years that I've been doing this blog, I've been blessed enough to receive many wonderful readers, and I'm thankful for them all. But not all of them have come for the same reason. Some of you wonderful readers are interested in my blog posts, thoughts, devotionals, character studies, etc. and some of you are really only interested in the book reviews. Either way is ok and I'm thrilled to have readers, no matter what the reason!
This new blog I've begun is called Tracy's Book Nook. It will be home to all past and future book reviews. The actual blog address for the new blog is http://tkbooknook.blogspot.com. It is my hope that those readers who are interested in the reviews will be kind enough to begin following that blog as well. For a time, I will continue to announce any new reviews here on Seed Thoughts and direct or link to Tracy's Book Nook.
I am honored and thrilled to even be addressing "my readers" because it continues to amaze and humble me that you're even here. It is my sincere desire to speak of things that matter, share the words and insights of the Lord, invite you into my life and connect with you. I offer my deepest thanks for continuing to stick with me throughout this journey. I pray God will honor and bless your time, for choosing to spend it here at Seed Thoughts and now also at Tracy's Book Nook.
The beautiful blog design for Tracy's Book Nook (as well as Seed Thoughts) was created by the lovely Jill Samter. If you're interested in a new blog design, or simply an element (like a header, signature, blog button, etc.) consider using Jill to create it for you. The cost is minimal and all proceeds to go charity. Click here to view some of her creations or to get more information.


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If you have received a post card asking you to renew in person, you must do so. The only exception to this is made for active-duty military members.
Make an appointment at larger DMV offices. Review the Real ID information below if you have not already upgraded to a Real ID. See also Fees.
It is your responsibility to renew your ID card on time whether or not you receive a renewal notice. Please keep your address current with us. See Address Changes. A postal forwarding order is not sufficient.
If your expiration date is approaching and you have not received any notice, email your name, current address and card number or call (775) 684-4560 or (877) 368-7828.
You may renew in person at any DMV office at any time.
See the Real ID information below. Be sure to bring any additional documentation required for a Real ID or other reasons such as immigration status, medical letter, etc.
Nevada ID cards are issued from a central location and mailed to you. We will punch a hole in your existing ID card and return it to you with an interim document.
You must have a full-page renewal notice and a MyDMV account. Get started here. Most ID card holders are required to renew in person.
Address Change. You may change your address online before you renew through your MyDMV account. Renewals are sent to the address on record. A postal forwarding order is not sufficient to ensure delivery of your card.
You must have a full-page renewal notice to renew by mail. The only exceptions are for members of the Armed Forces, their spouses, dependents or certain federal employees.
We may ask you to include a Payment Authorization Form (ADM 205) for fee payment on mailed or faxed renewals.
The DMV honors the postmark on mailed renewals. We will not assess late fees if the postmark is up to 30 days past the expiration date. You may renew by mail up to one year late if otherwise qualified.
Veterans with an honorable discharge may have a designation placed on their card next to the card number. See the pictures below. Bring your evidence of honorable discharge to your next renewal or mail a copy with a mailed renewal. Visit archives.gov to obtain a copy of your DD-214 or other evidence of honorable discharge.
Nevada issues ID cards that comply with the federal Real ID Act of 2005.
Existing card holders must choose either a Real ID card or a standard card. You must show proof of identity and residential address to obtain a Real ID.
Watch our self-help videos! Click on the video icon and choose English or Spanish.
A Real ID compliant ID card is marked with gold circle containing a star. A Real ID will be required for those who wish to use a state ID to board aircraft beginning October 1, 2020. See DHS Real ID Information for details and other instances where a Real ID is required.
To obtain a Real ID card, you must show proof of identity and residential address one time at the DMV. Most card holders submitted proof of identity in the past. You must show the documents again to obtain a Real ID.
A standard Nevada ID card is marked "NOT FOR FEDERAL OFFICIAL USE" and, in the future, will not be valid for boarding aircraft or other uses outlined in DHS Real ID Information.
You may use the internet or mail options if you are eligible to do so.
Most card holders will receive an ID card that is valid for eight years.
If U.S. immigration documents are used as proof of identity, the expiration of your ID card will coincide with the departure date on your immigration documents. These ID cards are marked "LIMITED TERM".
If the immigration document indicates "D/S" (Duration of Status) instead of an actual expiration date, the ID card will expire 1 year from the date of issuance. The fee charged will be that of a 4-year card.
If the departure date is eight years or more in the future, your ID card will be valid for eight years.
Registered sex offenders have annual renewals.
You may renew your ID card at any time in person at a DMV office. You may visit any DMV office regardless of your city or county of residence.
This is highly recommended for those who are planning an extended trip outside of Nevada. Active-duty military members are encouraged to renew in person when visiting Nevada.
If your expiration date is less than 6 months away, the new year of expiration will be set four or eight years ahead. If the expiration date is 6 months to one year from the date of renewal, the year of expiration will be set seven years ahead.
The same 6-month rule applies if you are renewing more than a year ahead of expiration. For example, if the expiration is one year and five months from the date of renewal, the new year of expiration will be set three years or seven years ahead. If the expiration is one year and seven months away, the new year of expiration will be six years ahead.
You may renew by mail only if you are qualified to do so and your ID card is expired 30 days or less. Please contact us for eligibility requirements.
If you are outside of Nevada - If you received a renewal notice, you may renew by mail up to 30 days after expiration using an Application for Nevada ID card by Mail (DMV 204). Contact us before completing this form.
Military/Federal - Nevada residents who are currently members of the Armed forces, their spouses, dependents or certain federal employees may be eligible to renew by mail up to 2 years after expiration.
If you did not receive a renewal notice, please call or email and include your current address for instructions.


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Unit testing JPA 2
When you want to test JPA 2 (JPQL & Criteria), it can get pretty challenging. Here is nice post on testing JPA 2
When you want to test JPA 2 (JPQL & Criteria), it can get pretty challenging. Here is nice post on testing JPA 2
In this post we will explore useful Key Generation Strategies in Hibernate for MYSQL DB.
Each database table row usually will be identified by a unique column value. Using this value one can fetch data and identify the data. This key plays important role in managing the relational data. This unique identity can be called key or id.
Recently I was experimenting with possible combination of Hibernate and JPA. As a developer, one can have options of using hibernate mapping files or annotations (both jpa and hibernate) or JPA mapping files with JPA style Entity managers. Following are the possible combination which I found useful:
Sun would be releasing its new Java Persistence API (JPA) 2.x as part of its new Java EE 6 Platform release in Summer of 2009. Java Persistence API (JPA) 2.0, introduced with Java EE 6, adds in and specifies fully many things which were missing in JPA 1.0.
Below is the presentation by Mike Keith on Infoq on new featires of JPA2.0
Following we demonstrate you how a simple user contact information is saved using Spring and JPA. We use Hibernate as JPA provider.
Spring is a container which supports multiple frameworks and multiple services. Spring wraps the services and the frameworks together.
The basic concept of spring is the Inversion of Control pattern (dependency injection). In Spring, programmers don't need to create user objects but they need to describe how they should be created (in applicationContext.xml or using annotations). Programmers need not directly connect components and services together in code but describe which services are needed by which components in a configuration file or using annotations. The spring container is responsible for all this. Spring creates all the objects, connects them together by setting the necessary properties, and determines when methods will be invoked.


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Welcome to Our Practice
Michael Viale, D.D.S.
At Dr. Viale's office, our philosophy is to provide treatment to the whole person, with a special focus on how your teeth and gums relate to your total body health. We want you to be confident that your smile achieves your goals for comfort, function, and appearance. The result is a beautiful, healthy smile that lasts a lifetime.
From the moment you walk in the door, you will be welcomed by a caring staff in a relaxed, stress free environment where the whole family can feel at ease. We strive to develop livelong relationships with our patients by combining the latest dental technology with a professional and compassionate staff.
To learn more about who we are and our comprehensive services, take a few moments to look through our website. Should you ever need additional information about our practice, we are always available to answer your questions. Let us care for your entire family! We look forward to meeting you.


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Download Indian Flag Images For Whatsapp profile pictures. Show your love and respect for your country. Change your Dp with indian flag images.
Republic Day is coming and i am sure that we all feel very excited towards this day. All are busy to make plans for the celebration independence day. On this day, 15 august everybody respect their country. Also people share independence day wishes and greetings on Whatsapp, Facebook and many other networks. I am here to share best collection of Indian Flag Images For Whatsapp Profile Picture and Facebook Dp. These HD Indian Flag pictures can be used for your Whatsapp Status/ Desktop Picture and much more. If you want to download the best HD Indian Flag 15 August Pics, then you are at the right place. If you are Patriotic at Heart, then you must download all these awesome HD Pictures of Indian Flag. Make it your profile picture on social networks, Also you can share to your friends and family.
Download Happy Independence Day Images For Whatsapp And Facebook
indian flag image for whatsapp


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Tee Style by Stephanie Ohnmacht
Discover two different sleeve treatments to transform ready-made tops from ordinary to extraordinary.
Flutter Sleeve
Combine two shirts into one for a fun color-blocked effect with a flutter sleeve.
2 contrasting ready-made knit long sleeve tops
All-purpose thread
Cut away each sleeve at the armscye seam from the shirt that will be used for the sleeves. Cut away the serged edge from the sleeve cap. Press the sleeve flat. Fold the shoulder cap at the underarm seam, ensuring the sleeve remains on grain. One side of the sleeve will fold at the underarm seam while fold on the opposite may be slightly deeper (1).
Cut along the sleeve-cap edge; unfold. Fold the sleeve in half along the sleeve-cap center; cut along the fold. Smooth the sleeve-petal curves using scissors. Lay both petals flat.
Lap the sleeve petals along straight edge by 8" (2).
Repeat to cut away the remaining sleeve from the shirt and create the sleeve petals. Overlap the petals in the opposite direction.
Select a long gathering stitch on the machine. Stitch along each sleeve straight edge using a 1/4" seam allowance, backstitching at the beginning and leaving long thread tails at the end. Fold each sleeve in half along the straight edge; pin-mark the center, and then unfold. Gather each sleeve width to 9" or adjust the final sleeve width as desired.
Cut away the sleeves along the armscye seam from the shirt that will be used for the bodice.
With right sides together and raw edges aligned, pin one petal sleeve to the shirt body along the armscye, aligning the sleeve center with the shoulder seam. Select a straight stretch stitch on the machine. Using a 1/2" seam allowance, stitch the sleeve to shirt body. Press the seam allowance toward the shirt body. At the sleeve edges, fold the shirt 1/2" toward the wrong side; press.
Topstitch the shirt along the armscye seam using a 1/4" seam allowance, securing the seam allowances and finishing the remaining armscye.
Gathered Sleeve
Add a gathered detail to a sleeve for fashion and function.
3/4 or long-sleeved knit ready-made top
28" length of 1/4"-wide grosgrain ribbon
All-purpose thread
Place the shirt on a flat work surface. Press to create a fold along the sleeve from the shoulder seam to the cuff.
Measure and mark 10" from the underarm toward the cuff. Cut away the sleeve below the mark.
From the cut-away sleeve portion, cut two 1 1/2"x8" strips. With wrong sides together, fold each strip in half lengthwise; press.
Fold one sleeve cut edge 1/2" toward the wrong side; press. Select a stretch or zigzag stitch on the machine. Using the machine free arm, stitch along the cut edge.
Turn the sleeve wrong side out. Place one casing strip along the sleeve fold, aligning the centerlines and one short edge 1/8" from the sleeve hem; pin.
Place the sleeve under the presser foot through the neck opening. Beginning at the upper edge, stitch the casing to the sleeve along the center foldline, backstitching at the beginning and end. Repeat to edgestitch each strip long edge.
Attach a safety pin to one ribbon end. Beginning at the sleeve hem, thread the ribbon through the casing to the upper edge, and then back down the other casing. Gather the sleeve along the ribbon and tie the ribbon ends at the desired length.
Repeat to attach the remaining casing to the remaining sleeve.
Products used in this episode:


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Yamaha Mio
Harga Motor Yamaha Mio Baru dan Bekas (Second). Yamaha Mio offers the concept of machines with the practicality of a scooter matic, a more powerful engine, and very good for tight city traffic.
Harga Yamaha Mio Baru
|Yamaha Mio Type
|Price (Rupiah)
|Mio CW
|Mio Soul
Harga Yamaha Mio Bekas / Second
|Yamaha Mio Type
|Price (Juta Rupiah)
|2007 – 2010
|7 – 10
|Mio Sporty
|2007 – 2010
|8 – 10
|Mio Soul
|2008 – 2010
|9 – 11
Note : Harga Yamaha / The motorcycle price displayed here can be different from the actual price on the dealer or the seller depend on some factors.
Information Summary
Yamaha Mio 125cc armed by the new 125cc engine, liquid-cooled, SOHC 2-valve, four-stroke engines. While the machine must be upgraded technology, the Yamaha does not use injections for newest scooter matic.
Yamaha Mio 125 is equipped with Mikuni BS26 carburetor. With the use of special air filter, high compression ratio, and shape of the combustion chamber Yamaha is able to meet the latest emission standards.
Yamaha Mio has a baggage that has a big enough interior storage space for a half-face helmet or other useful items you want to always take when you get around in town.
Tags: yamaha mio


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MP3 Chuck and Linda Sylvester - All I Need
Komplettes MP3 Album von Chuck and Linda Sylvester
Kurz-Beschreibung von CDbaby: Contemporary Christian Pop with Classic Rock, Blues, and Country Influence
Käufer, die sich für (Karen Carpenter Manilow Passion Praise & Worship Christian Michael W Smith) interessieren sollten sich dieses Album anhören.
Weitere Informationen vom Distributor:
Chuck and Linda Sylvester are a husband and wife duo in the Southern New Jersey area.
Chuck became a follower of Jesus Christ in 1974. He became interested in contemporary Christian music and began leading worship soon after he became a Christian. He spent over 8 years as a church music and worship director.
Chuck has been immersed in music and recording since junior high school, when he was experimenting with multi-track recording by "bouncing" tracks from one stereo tape recorder to another. He wrote his first brass arrangement in 1969 for a high school talent show, and worked as a professional bassist up until the mid '90's. A published arranger and MIDI programmer, Chuck has scored and produced music for dramatic presentations and video media. He has won awards in national songwriting contests, and continues to write contemporary Christian music.
Linda was raised in a pastor's home. She has been singing since she was a toddler. Neighbors used to pay her a quarter to sing a song, so she was a professional vocalist at a very early age! On the CD, "All I Need", there is a recording of Linda when she was only four from a gospel radio broadcast hosted by her dad. (Track 11, "For God So Loved the World") Linda had to stand on a box to reach the microphone.
More recently, Linda has taught many women's bible studies and is an avid reader. She especially enjoys singing with a worship team and filling in the alto part. People have said Linda's solo voice reminds them of Karen Carpenter. Linda: "I'll take that as a compliment!"
Chuck and Linda have led youth singing groups, mentoring kids and helping them get involved in ministry. They have also helped with the planting of two churches. Chuck and Linda Sylvester minister together in "worship concerts" at local churches. They have also provided worship music for many banquets and weekend retreats. "God has blessed us with a strong marriage, and we're glad to be able to work together in ministry."
One of Chuck and Linda's shared passions is to encourage God-focused, 24/7 worship. Chuck: "So much of what we see in church today is focused on things other than spirit-and-truth worship of God. We want to be seeker-friendly, culturally relevant, and to perform with excellence. All of those things are great, but sometimes they can distract us from the primary reason we gather: to humble and yield ourselves to God, and bring Him our worship, praise, and yes- our very lives. So by the definition in Romans 12:1, real worship isn't just confined to that hour on Sunday morning; it goes on 24/7, wherever we are. As we live in recognition of God's presence and His sovereignty, people around us will see Jesus, not us."
Their CD entitled "All I Need" focuses on the preeminence and sufficiency of Jesus Christ (see Colossians 2:6-10).
Chuck and Linda live in Collingswood, NJ. They have three sons, one of whom is married.
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End-client eCommerce projects can consume more agency resources than necessary, with frequent storefront updates and feature requests driven by user habits. Partnering with Axelerant lets you deliver and support extensive eCommerce platform projects with ease, getting you the most of out Open Source for end-clients in a way that's accelerated and less straining for your internal teams.
We see and understand what is happening with content and commerce. Axelerant teams work alongside top agency partners to drive more meaningful customer experiences. Mapping and implementing the eCommerce future for clients doesn't have to be faced alone.
With experience stretching over a decade, we know what challenges crop up, like order or inventory management or product information management challenges.
Every eCommerce project has to be scalable. The future of contextual commerce and native content is smarter, more competitive, and rapidly evolving.
For our agency partners, we bring forward and drive success management in new and exciting ways, with the right people, process, and tech to create value.
We have extensive experience architecting and handling deployments for various cloud platforms like Acquia, Pantheon, Platform.sh, AWS, Azure, etc.
We understand what businesses need to be able to fully support the omniscient customer experience.
Unique agency requirements are our focus as we tailor SLAs and workflows as needed. This gives agencies strategic flexibility, enabling them to adapt, evolve, and grow.
Agencies get the ability to serve customers with challenging time zone requirements. Mature processes enable us to keep your priorities continuously in focus.
Achieve access to top talent from around the world, regardless of location. Our hiring process ensures we're only hiring right candidates to fuel your projects.
Agencies can leverage lower overhead costs to keep their rates competitive for customers, while gaining access to resources that can help deliver higher value services.
We'll give your agency time to let people focus on what's more important.


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Houston Market Trends
At Capital Realty Group, our goal is to provide our clients with information on the Houston commercial real estate trends. Below are some Houston Commercial Real Estate Market trends highlights according to our partners at CoStar Group. Please contact us today if you have any questions regarding any of the information below:
The office vacancy rate in the Houston market area across all building classes decreased to 11.4% at the end of the fourth quarter 2013. The vacancy rate was 11.9% at the end of the third quarter 2013,12.0% at the end of the second quarter 2013, and 12.0% at the end of the first quarter 2013.
The average quoted asking rental rate for available office space, all classes, was $25.43 per square foot per year at the end of the fourth quarter 2013 in the Houston market area. This represented a 1.2% increase in quoted rental rates from the end of the third quarter 2013, when rents were reported at $25.13 per square foot.
There were 11,969,535 square feet of office space under construction at the end of the fourth quarter 2013.
Total office inventory in the Houston market area amounted to 274,486,987 square feet in 6,160 buildings as of the end of the fourth quarter 2013.
In the third quarter, six office transactions closed with a total volume of $164,247,000. The six buildings totaled 846,537 square feet and the average price per square foot equated to $194.02 per square foot.
Please contact us today for a comprehensive report on the Houston Market.


text: Advances in managing pension asset volatility Print Connect Email Facebook Twitter LinkedIn Google+ By Tamara Burden, Paul R. Bonsee, Zorast Wadia | 27 April 2012 A profound shift is taking place in the way pension plan fiduciaries manage market risk and help participants save for retirement. It is being driven by strategies that go beyond asset allocation and seek to actively account for changing market conditions, striving to protect growth in bull markets and defend against losses during major downturns. Historically, most attempts at managing portfolio risk have relied heavily on asset allocation—diversifying exposure among asset classes that have exhibited low correlation to one another. This theory, however, has proven ineffective at certain points in time, especially when the economy is contracting.In 2008, for example, nearly every major asset class was affected by the global downturn: U.S. equities were off 37%, international equities were off 45%, emerging markets were down 55%, real estate was down 37%, high-yield bonds lost 26% and commodities were down 37%. Even hedge funds and private equities, which generally promise market outperformance, performed poorly. Alternative asset classes posted an average loss of 19% during the recent financial crisis. Many experts believe the high correlation across many of the world's major asset classes was not a black swan event, but rather the inherent reaction of ever-more-connected global economies. Additionally, broad access to historically successful "diversifiers" such as commodities reduced the correlation benefit that was once thought innate in such asset classes. This played out during the months leading up to the 2008 crisis, when the market witnessed billions of dollars flow into newly created commodities-based, exchange-traded products that offered easy one-click access to a world previously available only to large institutional investors. In the months following the financial crisis, when many institutions and investors needed to raise capital to offset losses or simply fly to safety, a massive outflow in the commodities-based products caused the asset class to sell off in lockstep with many of its "low-correlated" counterparts. click to enlarge When evolution meets revolution Since the 1952 publication of Harry Markowitz's article Portfolio Selection, investors have relied on asset allocation strategies to reduce portfolio risk. During the economic booms, the success of diversification was praised. During the busts, its validity was questioned. Though at the time of its writing Portfolio Selection was revolutionary, the world and its economies have evolved dramatically over the past 60 years. One example came through the development of financial futures contracts in the 1970s, which have provided institutional investors the ability to develop sophisticated hedging strategies to effectively mitigate market risk. Today, the financial futures market is one of the most transparent and liquid markets in the world, accounting for more than $1 trillion per day in contract value. In fact, it was through the revolutionary use of a derivatives-based hedging strategy that one industry successfully weathered the 2008 financial crisis. During a time many struggled to find safety for their assets, one group outside of the pension industry—large insurance companies—was highly successful at managing equity market risk throughout the financial crisis (see Figure 1). Large insurance companies within the variable annuity market discovered that the dynamic protection strategy they used to hedge their guarantees had saved the insurance industry more than $40 billion, and was 93% effective at achieving their designed goals, even during the worst months of the crisis, according to a recent Milliman research report. Had a similar risk management strategy been applied to a 60% equity/40% bond pension plan, Milliman calculations show it would have captured 77% of the upside versus the unprotected portfolio during the bull market of 2003-2008 and, perhaps more impressively, successfully avoided 71% of the downside during the financial crisis of 2008. Applying protection strategies to defined benefit pension plans Defined benefit (DB) pension plans face significant and complex risks as they struggle to recover both from the asset losses sustained during the financial crisis and from the negative impact of today's low interest rate environment. Current portfolios—commonly consisting of equities, bonds and alternative assets—do not employ sophisticated risk management techniques, leaving pension plans exposed to material losses in the event of a severe or sustained market decline. (See Figure 2.) Pension plans that are considering de-risking their portfolios with bonds are reluctant to act with interest rates at historic lows. Bonds are often thought of as good de-risking tools because they normally provide stable returns. As it stands today, if credit spreads widen or interest rates rise sharply, a bond portfolio could become highly volatile and experience large losses. Even in normal rate environments, bonds are inefficient tools for managing the equity risk of a portfolio. If, for example, a pension plan is not comfortable with following the market down dollar for dollar in a decline, and seeks to eliminate 40% of its downside exposure, it is generally accomplished through a fund with 60% equity exposure and 40% fixed income exposure. As a result, the 60/40 fund only retains 60% of the downside exposure, but has also sacrificed 40% of the upside potential of equity investments. Hedging, on the other hand, allows the original portfolio to remain intact and can eliminate a greater proportion of downside risk while maintaining more of the upside potential. Reaping gains, cushioning loss Pension plans went into the financial crisis with average equity and alternatives exposure of 66%. Significant asset losses combined with the prolonged low interest rate environment have pushed pension plans to their lowest funding levels ever. The reality is many DB pension plans right now can't afford not to take risk. These plans require substantial contributions and/or outsized asset returns in order to recover from past losses. Unfortunately, the plans that most need strong asset returns have the least cushion to absorb losses from another major market decline. What these plans need is to participate in the upside potential of equity investments, but be protected against the downside losses in equities that accompany crisis events. The successful risk management techniques used by insurance companies throughout the 2000s show that upside participation with downside protection is indeed achievable. Providing capital protection via hedge assets is a core risk management strategy. To maximize transparency and reliability, highly liquid exchange-traded equity index futures contracts may be used. These contracts cash settle on a daily basis. With this type of capital protection strategy in place, cash gains on the futures contracts during declining markets can mitigate losses in underlying equity investments. The capital protection strategy can be managed to automatically lock in gains from favorable returns on underlying investments and to harvest gains from the hedge portfolio during severe market corrections. This strategy avoids value-destroying behaviors such as buying high and selling low. The hedge assets can operate as an overlay, acting independently of the underlying portfolio, allowing investors to remain invested in current assets. By integrating hedge assets with the underlying investments, risk can be reduced and the overall value of the portfolio may be enhanced over market cycles. Upside potential The presence of a capital protection strategy within a portfolio is of great value in a crisis, but it will drag down returns in a stable, rising market. Pension plans need a risk management strategy that allows for significant upside potential and that can be maintained across market cycles. Many tail-risk strategies in the past have focused on the purchase of put option contracts to establish a floor on the portfolio. These types of tail-risk strategies work well in a crisis, if the investment bank selling the option can maintain solvency throughout the crisis, but they tend to be expensive when the markets are stable and rising. Because the market has historically been known to spend years at a time in such an environment (e.g., 1980-1987, 1990-1998, 2003-2007) the expensive premiums paid for put option protection create a significant cumulative drag on the overall portfolio value. These strategies, so good in a crisis, are usually a poor fit for portfolios if maintained across market cycles. One solution is to combine capital protection with a volatility management strategy—adjusting portfolio exposures between high-risk assets (equities) and low-risk assets (bonds) in order to target a defined level of risk, or volatility. It works by forecasting near-term volatility and reducing or increasing equity exposure accordingly to maintain a certain target level of volatility. The average realized volatility of a diversified U.S. equity investment is around 18%, and the average volatility of a core bond investment is about 4%. This means that the typical 60/40 portfolio should expect to realize volatility of 12% over a long time horizon. But over shorter time periods, a 60/40 portfolio may experience volatility ranging from 5% (Q3 of 2005) to 40% (Q4 of 2008). Recognizing that the majority of investment strategies are primarily interested in managing their exposure to risk of loss—and not specifically to equity allocation—leads to the conclusion that equity allocation should be manipulated in order to maintain a given level of risk. This common-sense argument that focuses on using an actual measure of risk tolerance (volatility) as opposed to a risk proxy (equity allocation) resonates with many investors. But volatility management is also a very powerful—and greatly underutilized—risk management tool on its own, because not only do significant market losses typically occur in periods of high market volatility, but periods of sustained market gains frequently occur in combination with low prevailing volatility. (See Figure 3.) click to enlarge Combining volatility management with a capital protection strategy improves the downside protection in the typical high-volatility market crash and improves the upside participation in prolonged stable, rising markets. Overall, allowing for a carefully portioned dose of equity exposure combined with a protection strategy that cushions against equity losses has the ability to maintain a pension plan's investment in equities while providing much greater certainty that the plan can avoid large losses during market downturns. History has shown that this strategy has created a much more effective hedging solution than asset allocation alone. The declining effectiveness of conventional risk management and the revolutionary approach of new risk management strategies have the potential to transform the way people manage risk and save for retirement. Simply put, there is a better way to manage market risk and offer pensioners prosperity in retirement. It appears that the U.S. economy is starting to pick up steam after many months of tepid business activity and high unemployment. Many pundits are predicting strong gains in equity markets for 2012. However, the potential for market volatility from the European debt crisis, Iran's nuclear ambitions and continued gridlock in Washington, D.C., to name a few influential factors, are not far from the minds of investors. Fixed income rates show no signs of increasing in the near term. The concept of portfolio protection can be combined with liability-driven investment strategies meant to target the other source of pain being inflicted upon pension plan portfolios: low and stagnant interest rates. It allows pension plans to remain invested in equities, which carry the promise of high returns and have the best ability to lower the long-term cost of the plan. Simply put, portfolio protection strategies offer an effective tool to mitigate market risk. Numerous investment consultancies and investment houses have developed variations on the theme described above. Plan fiduciaries, charged with the responsibility to grow and nurture defined benefit plan portfolios, endowments and other trust funds, should approach these strategies with interest and consider them in the performance of their duties. Reprinted with permission from FINANCIAL EXECUTIVE, April 2012, © by Financial Executives International; 1750 Headquarters Plaza, West Tower, 7th Floor, Morristown, NJ 07960; 973.765.1000; www.financialexecutives.org. AuthorsPaul R. BonseeLittle Falls, NJ, USTel: +1 973 5695541View bioPaul R. BonseeConsultantLittle Falls, NJ, USTel: +1 973 5695541Read more>>View bioE-Mail | VCardZorast WadiaNew York, NY, USTel: +1 646 4733000View bioZorast Wadia, CFA, FSA, EA, MAAAPrincipal, Consulting ActuaryNew York, NY, USTel: +1 646 4733000Read more>>View bioE-Mail | VCardTwitterLinkedInGoogle+ Employee Benefits and Investment Defined benefit plansDefined contribution plansInvestment See all topics HealthcareAffordable Care Act researchHealthcare costsHealthcare reform 2.0Healthcare reform reading list: From the ACA archivesLong-term care insurance MedicaidMedical professional liabilityMedicareMedicare ACOs and Alternative Payment ModelsProviderEmployee Benefits and InvestmentDefined benefit plansDefined contribution plansInvestmentInsuranceAnalytics and modelingCatastrophe risk and insurance-linked securitiesInsurtechLife insuranceLong-term care insuranceMedical professional liabilityProperty and casualty insuranceRisk managementSolvency IITelematicsRisk Management and Financial ServicesEnterprise risk management Related links Monthly Benefit News and Developments, December 2019Multiemployer health and welfare fund statistics: Fall 2019Pension Funding Index December 2019Hedge Cost Index November 2019Five benefit trends from 2019 that we'll continue to see in 2020 Your choices regarding cookies on this site This website uses cookies to provide you with an optimized experience. 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Science Studies, Innovation and Environmental Politics, and Public Policy
Faculty in Global International Studies
- Ph.D., Environmental Science, Policy and Management, University of California, Berkeley
- M.P.P., Public Policy, University of California, Berkeley
- B.A., Political Science, University of Edinburgh, Scotland
Javiera Barandiarán is an Assistant Professor in the Global Studies program at the University of California, Santa Barbara. Barandiarán received her Ph.D. in 2013 from the University of California, Berkeley in Environmental Science, Policy and Management. She holds a Masters in Public Policy also from Berkeley and received her B.A. in politics from the University of Edinburgh, Scotland. Her research has been awarded support from the Social Science Research Council and the National Science Foundation. Prior to her Ph.D., Barandiarán conducted surveys on attitudes towards science, technology and the environment in European countries. She has also worked in or conducted research on questions of rural development in Hawai'i, Mexico and California.
Barandiarán works on environmental politics, experts and the state in Latin America, to understand how states come to know about the environment in order to regulate it. Her research examines how scientists are enrolled as experts in environmental impact assessments (EIAs) to interrogate how credible regulatory institutions are built in an emerging democracy.
Barandiarán is working on a book that explores four environmental conflicts in Chile to reflect on the ways in which the Chilean state organizes, accesses and believes in environmental information since the end of the Pinochet regime. The conflicts are a toxic waste spill by a paper and pulp mill in Valdivia, the mine at Pascua Lama, the virus ISA in salmon farming, and the hydroelectric dams of HidroAysén.
Barandiaran, Javiera (2015). Reaching for the Stars? Astronomy and Growth in Chile. Minerva. Doi: 10.1007/s11024-015-9272-7.
Barandiaran, Javiera. (2012). "Researching Race in Chile" Latin America Research Review. Vol. 47, No. 1., pp. 161-176.
Barandiaran, Javiera. (2012) "Threats and opportunities of proprietary science at the University Andres Bello in Chile" Higher Education. Vol. 63, Issue 2, pp. 205-218
Philbrick, M. and Barandiaran, Javiera. (2009). "The National Citizens' Technology Forum: lessons for the future" Science and Public Policy. Vol. 36, No. 5., pp. 335-347.
Barandiaran, Javiera, Taylor, M., and Rabinovici, S. (2010). "The Berkeley Nanoscale Materials Health and Safety Ordinance." Guston, D., ed., Encyclopedia of Nanoscience and Society. Thousand Oaks, CA: SAGE Publications.
Barandiaran, Javiera. (2010). "California and Nanotechnology." Guston, D., ed., Encyclopedia of Nanoscience and Society. Thousand Oaks, CA: SAGE Publications.


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Choosing eyeglass structures based on hair colour
Whenever deciding on the best eyeglass structures for you personally, ensure that you don't
just consider the form of that person or maybe, the actual sculpt or even colour of the pores and skin.
You will find much additional considerations that you'll should also consider in to
accounts should you truly desire to obtain the glasses which provides you with your very best
appear! Among that is the colour of the locks which could create a excellent effect in the event that
you will discover the best glasses in order to put on. In the event you don't know by what
locks kinds or even locks colours may match exactly what form or even type of eyeglass
structures, after that this short article is certainly for you personally. Listed here are just a couple
from the eyeglass choice tricks and tips that you might observe prior to
producing your own last buy associated with glasses:
1. Darkish Or even Darkish Dark
If you're the kind to possess darkish locks, be it darkish or even
darkish dark, try that you simply pick the more dark eyeglass for you personally. Search
with the numerous associated with eyeglass within the numerous optical shops on the internet and also you
is going to be thrilled along with exactly how plentiful they're within the Web nowadays. Right now,
selecting as well as searching the actual magazines to obtain the greatest eyeglass you'll need offers
already been created much easier as well as handy. Choose the actual more dark tones associated with eyeglass identity
you're dark-haired. Darkish colours for example deep red as well as seeker eco-friendly structures may
certainly proceed along with your raven locks or even darkish locks.
two. Blond
Or even Light-Brown
However, if you possess light-colored locks for example blond or even
gentle dark brown, ensure that you choose the actual light-colored eyeglass rather. Like a
issue associated with truth, golden-haired women and men possess usually discovered to appear good within gentle
azure as well as peachy or even orange-yellowish structures. Ensure that you choose the actual lighter in weight
colours associated with eyeglass for those who have the actual lighter in weight tones associated with locks.
Bear in mind
how the colour of the locks must always end up being your own determining element in regards to what
types of glasses you'll need; or even what forms of eyeglass structures you need to
possess. Be aware which if you're the kind in order to activity the darkish locks, you'll
completely don't have any concerns regarding locating the greatest eyeglass structures for you personally.
There are plenty associated with options that you could choose, therefore absolutely nothing in order to be concerned for you personally.
However, remember which any kind of natural colour may obviously usually
come out nicely in your encounter. That's whether or not you're wearing darkish
dark locks or even darkish locks. However, for those who have blond, gentle or even
vibrant locks, after that avoid noisy or even severe colours associated with eyeglass structures.
Certainly, you'd not really desire to be observed for that incorrect factors! Final although not
minimum, be aware these ideas additionally affect the actual eyebrow colour. For those who have
light-colored eye brows, choose the actual light-colored structures as well as for those who have darkish
eyebrow colour, choose the actual more dark kind of structures too.


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Max Clayton says it is great for the Alex fans to be heading back down to Wembley Way
Max Clayton says he cannot believe that he is already looking forward to a second trip to Wembley Stadium as an 18 year-old! Clayton certainly played his part in the club's glorious play-off success last season, scoring the all-important second goal against Southend United in the second leg of the semi-final and then adding some real zest and fresh legs when replacing Nick Powell at Wembley. Clayton nearly got his name on the score sheet that day, forcing a fine save from Cheltenham goalkeeper Scott Brown.
The England Youth International is hoping that his recent fine performances and superb finish at Bury on Good Friday; will see him start at Wembley this time around.
Clayton told the club's official web-site: "Everyone is buzzing. It was an important win over Preston and everyone is in good spirits and we can't wait for the game.
"For someone like me to go twice at 18 is unbelievable but the main thing is we play well and win the game.
"I think the experience of big occasions is important, if we win it will be unbelievable again. If I get my chance from the manager then hopefully I can take it.
"Being in the team would be brilliant for me on a personal note and bringing the trophy back would be even better for everyone associated with the club.
The Crewe-born striker added: "Growing up being a fan, when you score or win a game, you know the feeling of elation that the fans are experiencing and there is no better feeling than winning a Cup Final."


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The Riverine offers residents two styles of retirement living and the flexibility to choose the type of accommodation best suited to their needs. Spacious living quarters are designed with the total comfort of the resident in mind. Every room is tastefully decorated and residents have ample room to decorate their suite with personal items and mementos. For further comfort, all rooms have an ensuite bath, are well-ventilated and are climate controlled.
Retirement Living Level
The main level provides residents with the finest in retirement living. Residents can choose either private rooms, deluxe private rooms, or suites, all with ensuite baths. Our residents will appreciate that 24- hour resident supervision is available along with all meals and snacks, daily housekeeping and a planned recreational program. The Retirement Living level of The Riverine offers many common areas which are conveniently designed for socializing with family and friends. Included are: the solarium, lounge, central dining room, private dining room, and recreational room.
Independent Living Level
The second floor of The Riverine is for residents who prefer to live independently in a secure building. On this level we have one, two and three room suites available, all with private baths, dining areas and kitchenettes. Several rooms feature shared balconies. Residents also know that if an emergency arises they can call for help through a Emergency Call System located in all rooms for communication with staff.
Click here to see floor plans of the accommodations.


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- As the largest financial services specialist consultancy in Europe, we have the ability to focus on one sector and generate deep insights.
- Our approach is data driven and for that reason, we develop and provide state-of-the-art benchmark and scenario analysis which we use in our daily work and in our studies (e.g. via our European Banking Study, Basel IV impact study, Digital Pulse Check).
- All our consultants are specialized in the financial services sector. Most have prior experience in banking, insurance or asset management.
- Our collaborative and team-oriented culture enables us to give our consultants a long-term perspective at zeb, which proves our average tenure of more than 6 years.
- Our financial services sector focus enables us to cover all topics with a focus on strategy & business development, finance & risk and operations & IT.
- In combination with more than 1.000 consultants and a hands-on approach, we master complex projects that require deep financial services knowledge and profound technical skills.
Who we are....
We focus on what matters to our clients in the financial services industry – our goal is to improve their performance and competitive strength. We support and work closely with our clients' decision makers, employees and stakeholders at every stage of the project – from conceptual design, creatively tailoring ideas to innovative strategies based on robust quantitative analyses for effective and thorough implementation.
... is what we do
We have the full spectrum of opportunities and challenges in today's financial services industry firmly in our sight. From this, we create forward looking, sustainable value for and with our clients. zeb: that's 360° management consultancy – every day, every challenge, every opportunity, every client.
Jens Kuttig
Jens has more than 18 years of experience in management consulting in the European and Asian financial services industry.
He provides advice to CFO and CRO functions as well as corporate banking and investment banking divisions. His consulting expertise encompasses strategy and corporate development, risk measurement and management, balance sheet and financial resources management, as well as active credit portfolio management.
Jens joined zeb as a Partner in 2014. Prior to that he was a Partner at Oliver Wyman, where he worked for 13 years. Jens studied at the University of Muenster as well as Erasmus University Rotterdam and holds a master's degree in Business Administration.
Sven Krämer
Sven Krämer is Partner at zeb and co-leads the Dutch team. Sven has over 16 years of experience in management consulting in the European financial services industry.
He provides IT strategy and transformation advice to CFO, CRO and CIO functions as well as corporate banking and investment banking divisions. His consulting expertise encompasses IT strategy, IT architecture management, digital transformation, data management/ data governance and the development of agile organizational structures.
Sven combines his IT knowledge with in depth functional knowledge in risk management, regulatory management and accounting. Sven joined zeb in 2002. Prior to that he studied at the University of Muenster and holds a master´s degree in Information Systems/ Business informatics


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Shanghai, China
Yoga Performance
Chinese Street Kid
This picture is special to me. It's the very first shot I took on my very first trip to China. You can find on the website two versions, one color cropped one and a non-cropped black and white one. Hope you will like them both.
Grand Uncle and Aunt, Chongqing
One of my first chinese pictures, and for sure my first chinese family portrait.
Life on the River, Chongqing, China
Smoke, Bridge and Sun, Chongqing
The smoke were coming from the boat on the river.
Back from Fishing, Chongqing, China


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One of the strongest and lightest materials in jewellery. Gut a fish, spin a spanner, hurl an axe, and then scrub up in a suit. Whatever life you live – The Gentleman's Smith titanium ring has you covered.
Better yet, if you're anything like most of our mates getting married, then you have less care or knowledge about jewellery than a baboon does, so we've removed the frustration and complexity by doing the research and carefully choosing your ring for you. "Are you guys nuts!?" you ask. Think about it for a moment; it's brilliant. You can now tick 'Get wedding ring' off your list and go spend your energy on indecisive pondering about what shade of grey the napkins should be to perfectly complement the table cloth. What joy.
And, we know what you're thinking… "where do I select my size? Wait, what is my size?" Don't worry, we don't expect you know your size. We will send you a sizing kit the moment you make your order. We also stock all the way up to Z+7 (US15.75), in quarter size increments, meaning that we can get the perfect fit for your finger.
We've made the awkward pocket-bulging boxes a thing of the past by crafting a slimline alternative. Best of all, it holds two rings and will easily slip into your best-man's jacket, while its magnet hinged lid clicks open and closed to securely hold both rings. We're pretty stoked with this little invention, which is why we include it free with every purchase.
We love our customers and have had some amazing feedback.
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Scott Howland is a 25 Year Old, Singer Songwriter from England. He has been writing and performing music since the age of 20, both solo and with a band. He plays guitar and has a strong folk/indie-pop feel to his music.
He is building contacts all over the music industry and has recently worked closely with an Italian music producer and tripped to Nashville, TN to visit promoters and producers across Music City. Influenced by various artists including Arctic Monkeys, Ed Sheeran, Rolling Stones and Mumford and Sons, there is a lot of melodic thought put into the songs, and mix this with some emotional lyrics, there is a unique sound brought forward by this young singer songwriter.
He has recently (April 2015) released his debut EP and it reached number 14 in the iTunes Chart, whilst still being an independent unsigned artist. His next single was released on October 4th 2015, available on all major digital retailers including Spotify, iTunes Apple Music, Google Play and Amazon Music and reached number 32 on the iTunes chart! He has played a couple of big support slo shows around this time in both Birmingham and Brighton before One Direction and Tom Mann (Stereo Kicks) respectively.
Further accolades include performing as a support act for Olly Murs and being on the lineups for Livestock Festival and Sunshine Festival in 2015 with the likes of UB40, Scouting for Girls, The Feeling and The Hoosiers to name a few. He has also completed a mini tour for his EP release playing Worcester, Brighton, Birmingham, Cornwall and Cheltenham respectively.
With BBC Introducing success, by the means of 'Track of the Day' for The South and 'Track of the Week' for Herefordshire and Worcestershire, and songs forwarded to BBC Radio 1, 2015 has been a huge success for this unsigned artist.


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BART, unions remain far apart on contract
After a month of cooling off, contract elusive
Nearly a month into the 60-day cooling-off period intended to give BART and its unions time to negotiate a new contract in a less high-stress environment, the two sides are back to exchanging accusations instead of proposals.
On Labor Day, while the Bay Area's attention was focused on the Bay Bridge, three of BART's labor unions criticized the transit agency for its lack of urgency and unwillingness to get back to negotiations promptly. The state mediator has tried to set up dates, they said, but BART hasn't been willing to meet.
BART officials said Thursday that separate meetings with the two largest unions are scheduled next week. But they argued that unless the unions are willing to relent on their request for a 21.5 percent raise over three years, there's no reason to rush back to the bargaining table.
"The problem with negotiations has not been the number of meetings, it is the unrealistic nature of the union proposals," said Tom Radulovich, president of the BART Board of Directors. "Until union leadership starts putting forward reasonable proposals, we will be unable to settle this."
When Gov. Jerry Brown ordered the cooling-off period - which expires at 11:59 p.m. Oct. 10 - BART had offered a proposal that included a 10 percent raise over four years but with increased employee contributions to medical insurance and their pensions.
BART management has asked the unions to put the proposal before their members for a vote but they have refused, Radulovich said. Union leaders say management's proposed deal would cause most of their members to lose money, and that it is not a complete offer that they can put up for a vote.
"There are still issues, like safety, which is very important to us, that have not been addressed," said Cecille Isidro, a spokeswoman for Service Employees International Local 1021, BART's largest union.
Transit district officials also released a chart showing their offers and how they have evolved - evidence, they say, that they have been trying to strike a deal. The chart shows BART moving from an opening proposal of no raise in April to 4 percent on June 27, 8 percent on June 29 with some of the money conditioned on BART's performance, 8 percent without conditions on Aug. 2, 9 percent on Aug. 4 and 10 percent on Aug. 10.
At the same time, they said, their demands for employee contributions to medical insurance and pensions have decreased. The most recent offer called for caps on the amount the district will pay for health insurance and pension contributions, starting at 1 percent and rising by another percentage point each year of the four-year contract. The unions' proposals have moved little, they said, with 5 percent increases in the flat $92 a month health costs and 7 percent pension contributions that are offset by pay raises.
Union officials said they are eager to get back to negotiating and are ready to respond to BART's proposal.
"Isn't that why you bargain?" Isidro asked. "If we're not meeting, how can we present counterproposals?"
Michael Cabanatuan is a San Francisco Chronicle staff writer. E-mail: firstname.lastname@example.com Twitter: @ctuan


text: Native plants can be harmed by unexpected cold weather, including large amounts of snowfall, just like their exotic counterparts. In a completely natural setting this would rarely occur, since these species are adapted to the variable temperature range. However, in the built environment, frost damage is increasingly likely since we frequently use native plants from other regions. Gardeners should look first to their locally native plants as much as possible, since they have evolved to suit local conditions. Plants that originated in Southern California, the Channel Islands or in our low deserts look lovely in gardens, and when winter comes, they may be at the edge of their cold-tolerance range. Continue reading


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Pressing and Finishing Seams
Introduction: Pressing and Finishing Seams
In this lesson, I'll go over how I finish my seams when sewing. I do this with both hand sewn and machine sewn seams. It's a great work flow to get into the habit of doing every time you sew. Your sewing will always turn out better. :D
Tools and Materials
For this lesson, you will need:
- Sewn fabric
- Iron
- Ironing board
- Scissors
- Pinking shears
- A clean towel for drying your fabric if you need to wash the markings out
Remove Any Markings First
If you've used a water soluble pen to make seam allowance markings, you'll need to make sure to remove those before you apply any heat to your fabric. Using hot water, steam or your iron will set the water soluble ink permanently into your fabric.
To remove the markings, run the fabric under cool water and then press it into a clean towel to dry it a bit.
Once you're pressed quite a bit of the water out, hang the fabric up to dry.
I always try to press the water out first because the more water that stays in the fabric, the heavier the fabric will be. It can warp if you hang it full of water!
Pressing the Seams
Whenever I'm done sewing, but haven't yet turned a project right side out, I like to press. Pressing your seams slightly tightens the stitching and further defines the seam line, so it's easier to turn right side out.
Here's what the back and front of the fabric looks like after a good press. :)
Trimming the Seams
We could leave our seam allowances the way they were, but trimming them down helps reduce bulk in the final project. It'll look much nicer without extra lumps and bumps.
First, let's clip the corners! Use dressmaking shears and cut each sewn corner off. This will allow the corners to be nice and sharp. (If you didn't sew around a corner, it's not necessary to trim it down.)
With the extra fabric in there, they're harder to shape when you turn them right side out!
Now, grab your pinking shears! (If you don't have any, use your shears.) Trim your seam allowances down by half to reduce bulk.
If this is done with pinking shears, it will increase the durability of your project as well!