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Old Masters
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by Old MastersSize Group: E
Artist - Rembrandt van Rijn
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Moved by the parable of the prodigal son, he made a variety of drawings, etchings, and paintings on the theme that spanned decades, beginning with a 1636 etching and culminating in this work which was probably completed within two years of his death in 1669.


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Acute fodder scarcity has been causing hardship to the livestock owners in the district, despite efforts by the Animal Husbandry Department to bridge the gap in the demand and supply for it.
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The Animal Husbandry Department had made arrangements for supply of hay to the livestock at nine centres, including Pudukottai, Karambakudi, Aranthangi, Alangudi, Keeranur, Ponnamaravathy, Tirumayam, and Viralimalai. "We have been supplying hay by purchasing it from Thanjavur and so far we have sold 110 tonnes of hay through these centres," says an official source.
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Starting a small pressure washing business can be accomplished with a minimal investment in equipment and training, but the work requires physical fitness, stamina and business skills. Learning to operate the pressure washer itself takes only a few minutes, but the skill required to safely and effectively clean different surfaces can only be had through experience or professional training. In many states, you obtain a contractor license and prove your educational and experience claims. Acquire training by working for a power washing company or by taking certificate courses at continuing education or trade schools.
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Don't perform pressure washing jobs you are unfamiliar with. Pressure washers can permanently damage some materials if used improperly, and you will be held liable.
Fully understand how to use all pressure washers and chemicals, and wear protective clothing at all times. Pressure washers and some chemicals can cause injury and illness if used improperly.
References (3)
Resources (3)
Photo Credits
- pbnj productions/Photodisc/Getty Images


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Hey there #AMMfam! I'm excited and anxious (anxited!!) to join Author Mentor Match this year. I can't wait to browse the connect tag via Twitter and get outta my shell.
My name is Kerrilyn (keh-ree-lihn, please not Carolyn) Dasilva. I was born and raised in Toronto, Canada. I am a giant sucker for anything fantasy and culturally diverse books. Especially if the characters are unapologetically black.
- I've travelled to British Colombia on a native resort. Hiking through the woods made me fall in love with nature and it's greenery—which is why my manuscript is full of forests… and those upturned tree roots!
- I LOVE black cats and I have three of my own at home.
- I occasionally draw my ocs and cry about them.
- I am a giant fan of theories, whether they get debunked or not. I also love headcanons too.
- Lastly, I love food yet I eat like a bird. So my main character eats for me. It's not in every chapter but most always have her eating.
The story follows Dyanthe, a seventeen-year-old girl who is born with the Light Brand, a mark that signifies she can wield the power of Amahtel, the God of the sun, light and order. Her neighbour, an aspiring enchantress, accidentally places a seal on her, causing her to lose all traces of magic. She has to remove it or it'll eventually kill her.
- A diverse cast of characters
- An intricate magic system
- food (and lots of it)
- Strong female heroines, who politically lead their country & people
- Century old mages
- Fairies
- Dragons
- Other monsters (mostly spliced together or dare I say)
- LGTBQIA & ableism rep
- Scenes of violence
- Vampires
- Werewolves
- Zombies
- Any mainstream monsters
- Heaven/Hell elements
Anything else listed it's not in my manuscript but I've probably missed something.
When I was younger, I always wanted to write. I used to have notebooks filled with fanfics of my favorite characters adventuring together. I eventually transitioned to my first computer when I got it. I always loved writing fantasy. It allowed me to escape reality for a while and writing was my best friend growing up.
Now my dream is to see my name on a shelf and hopefully touch the hearts and minds of readers. I tend to get immersed in my own world and the world of others and I want that to happen to me, too! I hope to make potential readers question reality, get them rile up for the next scene, cry… see their theories.
I love getting constructive criticism. Even if firm, I never make a fuss and just sit back while telling the little demon in my head to shut up because, you know what? They're on to something. I'm getting help to grasp something I couldn't get out or something that plain (…plane, get it?) flew over my head.
I used to think that my writing was bad if anyone criticized my work. Not anymore. If someone is willing to to be my coach and help me whip my manuscript into shape, you bet yourself I'm going to have to learn to accept feedback.
I'm also pretty positive and tend to think optimistically when it comes to my writing.
I'm proud of my world, my magic system, and characters in The Sealing Mark and I hope to give them just a little more foundation. I hope to make a few friends.


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REACH - The new European regulation on chemicals
REACH entered into force in June 2007 and centralized and replaces the previous chemicals legislation in the European Union. The main objective of REACH is to ensure a high level of protection for human health and the environment. At the same time competitiveness and innovation shall be strengthened.
Under REACH, manufacturers and importers of chemicals more than previously assume responsibility for the safe handling of their materials. REACH covers all chemical substances that are produced in the EU or imported into the EU, in minimum quantities of one tonne per year. These must be registered with their properties at the European Chemicals Agency (ECHA).
As a manufacturer of polymers and chemicals, Vinnolit completed the registration of its product range with ECHA in due time and provides the relevant safety information to its customers. The safety data sheets are currently being adapted. Please find more information about the status of each sales product here.


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BabyZen BABYZEN YOYO Travel Bag
The essential travel accessory for the YOYO stroller.
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Account Login
I don't know how much longer I can take this.
You broke me. I know you love me, but you, BROKE me. I can't think straight, I can barely eat without getting sick, and not a morning has gone by within the past month that I haven't immediately had a panic attack upon waking up. I don't know why you didn't just leave me if what I did was that terrible to treat me the way you did. I don't know if I'm going to ever get better at this point. And I don't want to deal with myself anymore.
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America's best chance at getting better access to the world's fastest growing economies is on the table – it is called the Doha Round. The US should push hard for a conclusion as the alternatives are much worse. The US faces great domestic and foreign problems in pursuing the regionalism alterative. In particular, US faith in the Trans-Pacific Partnership seems to be based on unclear thinking about political constraints at home and political reactions abroad.
Richard Baldwin, 28 April 2011
Claude Barfield, 28 April 2011
Another suspension of the Doha Round is the likely outcome of the upcoming meeting. This essay argues that such a failure is now more dangerous than ever. For domestic political reasons unrelated to trade, the US will be in no position to lead on international trade issues for some years. As the US is still the "indispensable nation" for WTO talks, this means 2011 is the last good opportunity for many years.
Sübidey Togan, 01 April 2011
The services sector accounts for almost three-quarters of GDP in developed countries and nearly half of GDP in the developing world. This column asks why the WTO trade negotiations have made such little progress on liberalising trade in services and outlines a package that could get the support required to change this.
Peter Sutherland, 04 February 2011
Peter Sutherland, former director general of the World Trade Organization, talks to Viv Davies about the recently published interim report on 'The Doha Round: Setting a deadline, defining a final deal'. He explains why Doha has stalled and presents the case for its immediate completion. He maintains it is crucial that governments now commit to concluding Doha by the end of 2011 or else the round is doomed and all that has been achieved will be lost, with disastrous consequences for world trade. The interview was recorded by telephone on 1 February 2011. [Also read the transcript]
Richard Baldwin, 28 January 2011
The Doha Round is likely to conclude this year, as a burst of political leadership by G20 and APEC nations and deft diplomacy by the WTO have spurred talks that are rapidly narrowing the remaining gaps. This column reviews the progress and highlights what more is needed based on a newly released report written by the High Level Trade Experts Group.
Marco Fugazza, Alessandro Nicita, 15 December 2010
The multilateral trading system of the GATT and WTO is rapidly being replaced by a system dominated by preferential trade agreements. This column argues that this new system is complex in nature and provides a novel assessment of the implications for signatory countries and third parties.
Marc Auboin, 25 November 2010
While liquidity has returned to the main routes of international trade, at the periphery a group of developing countries, particular low income one, are still suffering from lack of affordable trade financing. This column outlines how the recent G20 meeting in Seoul has provided a mandate to multilateral institutions to address this problem.
Kati Suominen, 03 November 2010
Will financial regionalism damagingly fragment the global financial architecture precisely at the time when sturdy system-wide management is needed? This column points to the world trading system's engagement with regional trade agreements as a source of lessons for how to harmonise regional and global approaches to international finance.
Gary Hufbauer, Kati Suominen, 13 October 2010
The global crisis has rocked people's faith in globalisation. This column introduces a new book arguing that, despite taking a step back, globalisation is one of the most travelled routes the world has known for spreading growth and prosperity. It provides policy recommendations for renovating that road dealing with the WTO, social security, global imbalances, and foreign direct investment.
Susan Ariel Aaronson, 01 October 2010
In response to Dr. Cernat's call for feedback on the EU's trade policy, this column calls on Europeans and Americans to rethink their trade policies. It argues both can meet 21st century needs only by collaborating, mostly at the WTO. Trade policy challenges are also an opportunity to make the system more coherent and meet the goals of expanding trade, enhancing human welfare and increasing employment.
Simon Evenett, 25 September 2010
EU trade policy has accomplished little of substance during the past decade. This column, a contribution to the ongoing VoxEU debate on The Future of EU Trade Policy, identifies five reality checks that should be taken on board as the European Commission and the Member States reformulate their approach to commercial relations.
Thomas Prusa, Robert Teh, 15 September 2010
While countries rush to enact more and more free-trade agreements, not enough is known about their impact. This column presents evidence suggesting that free-trade agreements are more discriminatory than their preferential tariffs suggest. It finds a stark increase in contingent protection as free-trade agreements cause a 10%-30% increase in the number of antidumping disputes against non-member countries.
Dany Jaimovich, Richard Baldwin, 02 September 2010
As WTO trade talks languish, what's driving the surge in regional trade agreements? This column says that regionalism is being driven in large part by the domino effect, in which nations excluded from a trade agreement launch their own negotiations to redress trade diversion. This dynamic is more of a challenge to the WTO than a threat at the moment, but it should not be neglected.
Michele Ruta, 04 August 2010
Trade in natural resources accounts for a growing share of world trade and a growing share of policymakers' attention. Given the economic, environmental, and political implications of natural resources, this column asks how to design rules that can promote mutual gains from resources trade. It provides recommendations for export policy, conservation policy, and domestic policy.
Robert Lawrence, Gary Hufbauer, 06 July 2010
Originally scheduled to end in 2005, Doha negotiations have dragged into their ninth year. This column argues that, while many observers assign blame to the complexity of 153 members reaching a consensus, the heart of the matter is far simpler. It says that if the US and China come up with new offers, the momentum for a speedy agreement will be unstoppable.
Bernard Hoekman, 19 June 2010
A key objective of the WTO Doha Round was to address the concerns of developing countries. This column argues that, despite the lack of progress on the core market access agenda, much has been achieved in terms of market access and trade facilitation since 2001.
Philip Levy, 19 June 2010
The persistent failure to reach a new agreement under the WTO has sent trade scholars back to the drawing board. This column discusses two prominent ideas for restructuring the talks to get past the prolonged impasse. One is to permit agreements between some, but not all, members; the other to relax the requirement of consensus.
Geza Feketekuty, 19 June 2010
What is holding back the Doha Round? This column argues that while there are many reasons for the difficulties the WTO has faced, the shortcomings of the mercantilist model in framing mutually acceptable multilateral agreements is undoubtedly a major factor. The WTO needs a new kind of forum where countries can think through the issues before the give and take.
Chad Bown, 19 June 2010
The international community responded to the global crisis with a promise not to raise protectionist measures, and there has been little trade friction in terms of WTO disputes. This column assesses the dispute settlement system's capacity to bear a larger caseload and suggests that an increase in WTO litigation could be good news for the rules-based trading system – even in the absence of progress on the Doha round.
Richard Baldwin, 05 June 2010
The WTO is said to be in a funk – unable to conclude the Doha Round even as its members liberalise unilaterally and regionally. CEPR's newest Policy Insight argues that tactics used to get consensus at the last Round pushed the organisation into decision-making's "impossible trinity" (consensus, uniform rules, and strict enforcement). A Doha package with something for everyone may be found, thus defeating the impossible triangle. The big-package tactic, however, won't help the WTO confront 21st century challenges in a timely manner; for that, at least one of the triangle's corners must be modified.


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Everybody has an opinion on healthcare reform. Here are some links to different takes on what reform means to business.
CNNmoney.com: What health care reform means for your small business
Inc. magazine Web site: What Health Care Reform Means for Your Business
National Federation of Independent Business: Healthcare
BusinessWeek: Experts Talk Health-Care Reform Bill Impact
If you have information on healthcare reform and its impact on business that you would like to share, please post a comment.


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Apple makes iWork, iMovie & GarageBand apps free to all Mac & iOS users
Starting today, however, Apple is simplifying things and making Keynote, Numbers, Pages, iMovie and GarageBand all free in the App Store for anyone in their ecosystem.
iWork is actually a suite of productivity apps — Numbers, Keynote and Pages — meant to rival Microsoft Office and Google Docs. Meanwhile, GarageBand and iMovie are more consumer-focused tools, for music and video editing.
iWork apps require macOS Sierra to run, but GarageBand is available for machines running Yosemite or later and iMovie will run as long as you're up to El Capitan or higher. On mobile devices, iWork requires at least iOS 10.0, while iMovie and GarageBand require at least iOS 9.3 and iOS 10.2 respectively.


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!! History Commons Alert, Exciting News
NBC producer Joel Seidman interviews two former prosecutors, and asks them to assess the impact of the recent revelation that Richard Armitage, not Lewis Libby, was the first government official to leak Valerie Plame Wilson's CIA status on Libby's upcoming trial (see September 7, 2006). Seidman opens his article by claiming that special counsel Patrick Fitzgerald may face an "uphill battle" in getting a conviction in light of the Armitage revelation, writing, "The possible testimony of the State Department's former number two official [Armitage], and that of the first journalist to print the name Valerie Plame Wilson [columnist Robert Novak], could potentially sway a jury that there is reasonable doubt to the perjury charges against Libby." Seidman goes on to call the news of Armitage's leak a "bombshell announcement," and a piece of information that Fitzgerald "chose to keep… secret." Further, Seidman notes that because Armitage and Novak are in some disagreement about the chain of events surrounding Armitage's leak to Novak (see July 8, 2003) and September 13, 2006), this discontinuity "could enable Libby to argue that he, Libby, wasn't the only one confused in this case" (see January 31, 2006). It is unclear whether Armitage will testify at Libby's trial. Seidman interviews two former prosecutors: Solomon Weisenberg, who worked with special prosecutor Kenneth Starr during the Whitewater investigation, and Larry Barcella. Weisenberg says Libby's lawyers can take "full advantage of the emotional value of Armitage's admission," and that while Armitage is not part of the case against Libby, the lawyers could argue that Fitzgerald conducted a sloppy investigation, and has witnesses who contradict one another. However, Barcella says that because the charges facing Libby are about his lying under oath (see October 28, 2005), Armitage's leaks are irrelevant. [MSNBC, 9/20/2006] Former prosecutor Christy Hardin Smith, writing for the progressive blog FireDogLake, says Seidman is echoing "GOP-pushed media logic," which she analogizes to the argument that "someone who steals three of your hubcaps, strips your car down of all the valuable parts, take[s] the license plate, and steals your registration should not be charged for all of those crimes because someone else took the first hubcap a little earlier in the day. Um… yeah. Try again. You lie repeatedly to a federal investigator, you pay the penalty, and no amount of after-the-fact *ss-covering obfuscation gets around the fact that Libby lied, repeatedly. If he didn't need to do so because he and those around him did nothing wrong, then why did he lie on multiple occasions? And why did a federal grand jury find it troubling enough to indict him on five felony counts for doing so?" [Christy Hardin Smith, 9/20/2006]
Entity Tags: Solomon Weisenberg, Joel Seidman, Christy Hardin Smith, Lawrence Barcella, Richard Armitage, Lewis ("Scooter") Libby, Valerie Plame Wilson, Patrick J. Fitzgerald
Timeline Tags: Domestic Propaganda, Niger Uranium and Plame Outing
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Members like you are saving in many different ways with the Fuel Rewards program. See how they do it.watch the videos
Dothan, Alabama
Member since: 2013
Savings-to-date: $264
Fun Fact: She's a mother of two who also teaches college courses and just like a former U.S. president, grew up on a peanut farm.
West Columbia, South Carolina
Member since: 2012
Savings-to-date: $687
Fun Fact: Believe it or not, this mother of four has helped develop a popular mobile gaming app.
Charleston, South Carolina
Member since: 2013
Savings-to-date: $664
Fun Fact: Office manager. Mother of two. Water skier. Wake boarder.


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The Teagan Ankle leggings are Strut This' most versatile, classic, high-rise leggings. They are form fitting, soft, and durable - made to support you through any of your workouts. It's designed to sculpt and contour every curve and has a seamless waistband made for every moment! Now in Striker and Gem Marble.
on all US orders with $50 minimum


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Don and I both loved the Stones...some time in our time together he started to call me "Honky Tonk" all couples have their terms of endearment... Don broke my heart at times with his...his quadriplegia did nothing to lessen his love and people imagined we had no sort of love life because of this...
I was always his "Honky Tonk Woman" and only we knew why...
I miss so much his kind of love. I have become a hermit out here...but not lonely for people...just lonely for him...he was something else... someone else and I was so lucky...its the loss of him as he was which is too hard to bear.
Sunday, February 22, 2009
Posted by Middle Child at 9:52 pm
Labels: Honkeytink women
3 comments:
- Mal Kiely [Lancelots Pram] said...
Stones live in Hyde Park London, July '69. Very cool :)
- 2:08 am
- FoxyMoron said...
I am sorry for your pain Therese. No words can ease it I know but many people care about you.
- 9:13 am
- Jules said...
There is nothing I can say that will make you miss him less but you and I both know that you have him in spirit, he is there in the trees, in the sound of the birds and the buzz of the insects. Listen closer and have a conversation with him.
- 9:52 am
Subscribe to: Post Comments (Atom)


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An "Awakening Man" wants a woman who will speak her truth to him, a woman who knows men aren't equipped to read minds or even not-so-subtle clues.
He also wants her to hold him accountable to his highest potential, which she instinctively sees in him (don't you, ladies?!) – and always with love and respect.
He does NOT want her looking for every flaw in an attempt to make him perfect or fill her own emptiness. That's just annoying.
But he also doesn't want her to hold back when she sees him acting out of integrity or playing small in his life.
An intimate relationship is a powerful vehicle for a person's evolution, and he knows he'll always be growing and evolving.
He wants a woman who will support him in that evolution, and who's also learned/learning the difference between healthy, authentically honest feedback and needling fear-driven criticism.
An "Awakening Man" will never criticize a woman for being her authentic self.
In fact, such a man wants a woman who won't abandon herself just to stop him from abandoning her.
He wants a woman who mostly doesn't give two sheets what other people think about her, including even him.
She isn't arrogant or self-righteous or unfeeling and disconnected. Quite the opposite!
She's so connected to her deepest authentic self that she doesn't need permission to express that delicious self in whatever fashion moves her in any moment!
Sure, such a couple might be required to make difficult choices in the details of their life together (aka "compromise"), but she knows better than to shrink or sell herself out to make him happy.
That never works, anyway. An "awakened man" doesn't want a shrunken, timid, half-hearted woman who martyrs her true self for his comfort (aka "sacrifice").
If she isn't thrilled about her everyday life, he won't be, either.
Not because she's responsible for his happiness … she's not.
He simply longs to see his woman radiant and genuinely happy because that's the best gift she could ever give him: Her own radiant happiness that doesn't actually depend on him.
The only way I can know the depth of authenticity, vulnerability and accountability that an "Awakening Man" truly wants in an intimate relationship is because I have been a "slumbering man" for most of my life.
Asleep in that awful innocent ignorance that plagues far too many modern men, I have unknowingly inflicted the painful opposite of all that yumminess on the women in my life.
Today, I simply refuse to continue living in the ignorance that demands my partner change – shrink, shine, shut up, speak up, put out – to please me.
It never worked, anyway, and just made us both unhappy.
An "Awakening Man" is simply waking up to this fundamental truth: I AM ALREADY THE LOVE I have been seeking from the outside world.
Of course, an "Awakening Woman" is waking up to that, too.
P.S. Obviously this all goes both ways and for most any human relationship.
Previously published on BryanReeves.com
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42-minute training video for land managers and utility/transportation managers. Covers movement, disturbance, planning and awareness. Features presentations by experts from park agencies, a water utility, an electric utility, and Caltrans. (2013)
Best Management Practices for Preventing the Spread of Invasive Plants is a 42-minute training video designed for land managers and those who manage road or utility corridors, which can be key pathways for the spread of invasive plants. The video summarizes key content from our BMP manuals on the same topic. We cover ways to prevent the movement of invasive plant propagules, the importance of minimizing soil and vegetation disturbance, the need to incorporate prevention practices into project planning, and how promoting awareness within our organization can enhance prevention.
- Mark Newhouser, Sonoma Ecology Center
- Ken Murray, Caltrans Maintenance Division
- Scott Dowlan, Caltrans Landscape Arhitecture
- Garret Dickman, Yosemite National Park
- Steve Hallmark, Sacramento Municipal Utility District
- Janet Klein and Andrea Williams, Marin Municipal Water District
- Bruce Delgado, Bureau of Land Management


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Style Capsoul
Wanderlust Tunic
Regular price $43.99
Our Wanderlust Tunic is the boho meets girls top. Perfect with leggings or slim pants, this tunic is flirty + feminine.
- Lace detail
- Color: rose
- Boho style
- Mini, above knee
- Item Is Sheer. We suggest wearing a slip dress underneath
- True to size
- Imported


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Jethro Tull's 'Wondrin' aloud' covered by me
Type: Posts; User: LucilleJustRocks
Jethro Tull's 'Wondrin' aloud' covered by me
Check out Mr. Dave on a lap steel resonator tenor...skip to 4:30 if you want to avoid the first song
He 's one of of my absolute slide heroes..You might find this...
Welcome to the forum, Ginger!
btw best name ever...my dog's name is 'Ginger ' too
I thought this would be a cool song for a comeback.
My try on Sade's 'Your love is king'
Cat Stevens a.ka. Yusuf Islam cover ....Hard headed woman ....provided by LJR Productions ( me and my son)
Nice thread:)
my ukulele is called 'Lucille, my guitar 'Melynda' and my banjo is named after a great blues song'Divin' duck'.
I think there's nothing peculiar about naming your instruments:)
Cat Stevens'classic song...I liked Linda's version a lot and thought I could give it a shot too
Some Reggae....two chords and a good strum...all it takes..
Wow! I humbly thank you, brother.........that means the world to me !!!! I truly love this music and could play every single song you find on this album. Honestly can relate to every song which is...
https://www.e-chords.com/chords/jim-henson/the-rainbow-connection maybe this helps.
My video response to Lynda's 'Sunday morning' I just couldn't resist
Some FZ on uke....well, a perfect song for a uke called 'Lucille'
Hope you enjoy this
Just heard about Tommy's health issues as well......hope all things turn out to be good in the end..best of luck, Tommy!
I apologise for not having found the time and/or inspiration to record my contribution for your season....island will be a place then:)
edit: just read that you're in hospital....get well...
I always wanted to sing this song....47 years later I finally made it
Tom Waits ...but not in English...it's in Austrian German
Haha:) This gave me a good chuckle....
I will contribute a single song but it is most important to spread the word.....stay tuned.
I guess I'm a bit late for SOTU#278 but better late than never
Honestly enjoyed 'Song of the setting sun' brother....will listen to the rest later
Hope all is well
Wonderful news!! Thx for sharing this with us! All the best!!
Thx for hosting another great season.....I've heard a couple of real good songs...
Looking forward to it! Btw I've always loved this anime


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Student Engagement Mini-Grants
Students Leading Engagement Activities
President Alger has entrusted funds to the Faculty Senate to further the university vision. As part of this effort, the Faculty Senate and Student Government Association (SGA) are partnering to offer the opportunity for students to apply for mini-grants (up to $5,000) to fund engagement projects.
Mini-grant funds may be used to support an existing engagement project or for new engagement initiatives. Learn more about 2019-2020 mini grant eligibility, timeline and application process here. The application period opens October 8th, 2019 and closes on October 20th, 2019.
The vision statement for JMU is "To be the national model for the engaged university: engaged with ideas and the world."
At JMU, engagement takes three forms:
- Engaged Learning —Developing deep, purposeful and reflective learning, through classroom, campus, and community experiences in the pursuit, creation, application and dissemination of knowledge.
- Civic Engagement —Advancing the legacy of James Madison, the Father of the Constitution, by preparing individuals to be active and responsible participants in a representative democracy dedicated to the common good.
- Community Engagement —Fostering mutually beneficial and reciprocal partnerships, ranging from local to global, that connect learning to practice, address critical societal problems, and improve quality of life.
Read an update from the 18-19 recipients in Spring '19 #EngagedJMU newsletter and The Breeze.
JMU Student Engagement Mini-Grant Recipients for 2018-2019:
Matthew Ashley - Children of Milagros
Allison Brandmark - Stone Spring Garden Project
Sarah Brock - Real Women in STEM
Shane Chambers (with Michael Pamonag and Jeremy Asher Bravo Narula) - Improving the standard of living at the Salvation Army Shelter in Harrisonburg
Austin Evans - Quest for Questioners
Emma Laney - JMU at Education and Hope
Carlie Louine Madsen - LSVT Loud Project
Caroline Whitlow - The Teal Meal
Past Recipients
JMU Student Engagement Mini-Grant Recipients for 2017-2018:
Kathia Bonilla - Art Therapy Initiative
Livvy Call - A Fully Conscious Meal
Livvy developed the idea and led the effort to host Cultivating Community: A Local, Conscious Meal at the Harrisonburg Turner Pavilion on April 6, 2018. The meal was provided free to attendees and featured only ingredients from local farmers/producers, local speakers and a band. Over 120 people attended from all over Harrisonburg and the Shenandoah Valley, and included many community members. Overall, the event was a smashing success that received praise and publicity in the local community!
Laura Goldstein - Women and Gender Studies Camp
Laura designed programming and directed an all-day camp for local middle school girls to learn more about women's and gender studies, empowerment, combatting interpersonal violence and toxic masculinity. The camp included guest speakers and educational activities to help re-channel the harsh influence media and society have on young children.
Stephanie Pasewaldt - Uganda and Sanitation
Danika Pfeiffer - Preschool Reading Program
JMU graduate speech-language pathology and occupational therapy students implemented emergent writing activities in two local preschools. The small-group interventions took place twice a week, with each group of preschoolers participating in 10 days of 30-minute activities. Based on pre- and post- assessments, all preschoolers demonstrated improvement in at least one of the following areas: writing letters, writing their name, writing words. In addition, data from focus groups and interviews conducted with the graduate students over the course of the study show that those working in interprofessional pairs gained a greater understanding of interprofessional collaboration.
Caitlyn Robertson - Public Event on Immigration, Refugees, and Diversity in Harrisonburg
Caleigh Strother - Music Program at the CCCA
Autumn Waish - Community Criminal Justice Days Conference Seminars


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Personal Injury
Injury Law Overview
If you or someone close to you has been injured due to the negligence or reckless actions of another party, you deserve to be compensated. Personal injuries can be devastating for victims and their families. The cost for medical treatment, time missed from work, and the accompanying pain and suffering can cause all kinds of physical, emotional, and financial stress. When the injury is the fault of someone else, you have legal options. Before accepting any type of settlement from an insurance company, it is important to speak with an experienced personal injury attorney.
At Schilling & Esposito, we have several decades of combined experience successfully representing clients who have been injured through no fault of their own. Our lawyers have in-depth knowledge of Virginia personal injury law, and we have extensive experience with even the most complex cases. We work closely with our clients, and we give each case the personalized attention it deserves, no matter how big or small. We are available for our clients any time day or night, and we are able to travel and meet them at their home, the hospital, or wherever is most convenient if they are unable to travel to our office. And when you work with us, you can be assured that one of are skilled attorneys will be handling your case from start to finish; we never pass off our cases on associates or staff members.
We handle all types of personal injury cases in Virginia, this includes but is not limited to:
- Auto Accidents
- Large Truck Accidents
- Motorcycle Accidents
- Premises Liability
- Bicycle Accidents
- Medical Malpractice
- Nursing Home Abuse
- Catastrophic Injuries
- Spinal Cord Injuries
- Traumatic Brain Injuries
- Construction Accidents
- Toxic Torts
- Wrongful Death
- Serious Accidents
Our attorneys fight hard to obtain full and fair compensation on behalf of each client we serve. We routinely go up against well-funded adversaries, such as large corporations and their armies of high-priced attorneys, and we have a strong track record of success with these types of cases. We are skilled litigators and strong negotiators. Whenever possible, we seek to negotiate a settlement with the other side that provides just compensation for our clients. In general, it is best for both sides to avoid costly and protracted litigation and to settle the case without a trial. That said, if the other side is not willing to negotiate in good faith, we are ready and able to aggressively pursue full damages at trial and upon appeal.
Damages Available in Personal Injury Cases
Those who have been injured because of someone else's reckless actions or omissions deserve to be compensated for their losses. The term for this type of compensation is known as "damages". For most personal injury cases in Virginia, there is no cap on compensatory damages. The one notable exception his with medical malpractice cases, which are capped at $2 million.
Compensatory damages can be divided into two general categories:
Economic Damages
These are losses that you can assign a dollar figure to. Examples may include:
- Property Damage: In many personal injury cases, there is damage to the personal property of the injured party. The most common example of this is with car accidents in which a vehicle is damaged or totaled.
- Medical Costs: This would be compensation for medical expenses to treat the injury, such as hospitalization, surgeries and other treatments, rehabilitation, and ongoing medical care.
- Lost Wages: Compensation for time the injured party missed from work in order to treat and recover from the injury.
- Loss of Earning Capacity: In cases where there are more serious and debilitating injuries, the injured party may no longer be able to return to work or participate in any type of gainful activity.
- Funeral and Burial Costs: In the case of a wrongful death, the victim's family deserves to be compensated for the funeral and burial expenses.
Non-Economic Damages
These are losses suffered by the injured party that are intangible and more difficult to quantify. Examples may include:
- Physical Pain and Suffering: The excruciating physical pain the injured party has to endure on a regular basis while trying to recover from the injury.
- Emotional Distress: Fear, anxiety, loss of sleep, depression, and other types of psychological trauma experienced by the injured party.
- Diminished Quality of Life: Oftentimes, a personal injury deprives the victim of the opportunity to participate in activities they once enjoyed, such as running, swimming, or other physical activities.
In rare cases in which the actions or omissions of the responsible party were especially egregious, punitive damages may be awarded to punish the wrongdoer and help deter them (and others) from engaging in similar behavior in the future. In Virginia, punitive damages are capped at $350,000.
Virginia's Defendant-Friendly Shared Fault Laws
One very important consideration when pursuing a personal injury claim in Virginia is the state's "contributory negligence" legal standard. Under contributory negligence, if a plaintiff is found to have "contributed" in any way to the underlying incident that caused their injury, they can be barred from recovering damages. This means that if you are found to be even 1% at fault for the event that led to your injury, you may not be able to obtain the compensation you need to recover and put your life back together.
You can be sure that the other side will attempt to capitalize on Virginia law by trying to pin at least some of the blame on you in hopes of avoiding responsibility for your injury. This makes it all the more important to obtain skilled legal representation as early as possible in the process. The sooner we get involved, the sooner we can thoroughly investigate your case, obtain and preserve important pieces of evidence, and help protect your right to recover compensation.
Statute of Limitations for Personal Injury Claims in Virginia
Another thing to keep in mind as far as timing goes is that Virginia has a two-year statute of limitations for most personal injury lawsuits. In general, the clock starts ticking from the date of the accident. If your claim is against a government entity, there are special rules and procedures that apply, and you must usually take action within six months of the accident. It is critical that you initiate your legal action before the applicable deadline. Otherwise, the court will almost certainly throw it out.
Speak with a Seasoned Virginia Personal Injury Attorney
If you were a loved one has suffered an injury and it was someone else's fault, you need strong legal counsel by your side advocating forcefully for your rights and interests. At Schilling & Esposito, we are ready to go to work for you. For a free consultation with one of our experienced attorneys, contact our office today at 804-261-1001, or send us a message through our online contact form.
We accept all personal injury cases on a contingency fee basis, so you never have to pay up front attorney fees to obtain the skilled and personalized representation you need and deserve


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Highlights and interviews from Hartland's 5-1 hockey victory over Birmingham Brother Rice. Livingston Daily
LIVONIA — Ethan Ryan made 35 saves to backstop Howell to a 3-1 victory over Grosse Pointe South Saturday in the KLAA-MIHL Showcase Saturday at Eddie Edgar Ice Arena.
Howell (4-2) is ranked No. 8 in Division 2, while South (2-3-1) is No. 9 in Division 3.
Howell's Graham Hassan scored with 15:00 left in the second period to break a 1-1 tie. Wes Smith scored an empty-net goal with 1:30 remaining in the game.
Leander Daavettila of Howell opened the scoring with 1:44 left in the first period, only to have South's Andrew Vyletel tie it 55 seconds later.
Howell killed a five-on-three power play in the second period that lasted 1 minute, 48 seconds.


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Donsah eyeing second Ghana opportunity
Bologna midfielder Godfred Donsah is hoping to get another call-up to the Black Stars following a missed chance two years ago.
Following a good outing at the 2015 Fifa Under-20 World Cup in New Zealand, the 21-year-old earned his maiden invite for a friendly fixture with Congo but an injury prevented him from honouring the call.
And ahead of the new season, the youngster has set sights on winning a second chance under new Ghana coach James Kwesi Appiah.
Editors' Picks
"I am still waiting for another invitation to play for my country, and not worried about the Black Stars' snub," Donsah told Space FM.
"It depends on God because he is the one who knows the best for everybody on the earth.
"And I am ready to play for the team anytime they invite me."
Donsah's lack of recent Ghana opportunity could be explained by his disappointing campaign last season.
Following a good first term with Bologna in 2015-16, the youngster was largely weighed down by injuries last season.
The former Hellas Verona man made 13 league appearances as the Red and Blues finished 15th in the Serie A.


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If you've ever thought about building a home, you've probably wondered what the process is really like. It might seem like a long and stressful ordeal with any number of twists and turns, and this might actually deter you from pursuing a custom built home.
But the reality is, millions of Americans have been through the home building process with relatively few stresses, and are consistently pleased with the final results. Seeing your home take shape exactly as you envisioned it, and eventually moving in to a brand new space, can be an incredibly rewarding experience.
As with any large task, it helps to break home building down into digestible chunks and see the whole process in stages. This can help dispel some of the anxiety around guiding a home from design to completion, and show that it really can be done without too much stress. In fact, it could be an experience you cherish as a homeowner.
Phase 1: Legal agreements, floorplans, and selecting a home construction contractor
This is a big phase that encompasses many small steps, and a whole blog post could easily be devoted to it! Assuming you've purchased land, researched home designs, checked your local building codes and arranged your budget, the most important step is selecting a home builder to work with. This can be a daunting task, and you'll want all the opinions and research you can get. Hint: Search google for things like "what to look for in a home builder" and follow the insights and advice of people who've been through the process. The rest of your building process will go that much smoother if you manage to find a qualified, reputable home builder.
Phase 2: Excavating the site
The first thing your contractor will do, after agreements have been signed and a schedule created, is to begin excavating the site of your home. The measurements of the structure will be carefully staked out, and the foundation will begin to take shape. This will involve digging if your home has a basement; otherwise the area will be expertly leveled and prepped for the next phase.
Phase 3: Laying the foundation
This critical phase involves pouring and leveling the materials that will form the basis on which to construct the rest of the structure, including the garage. Your circumstances and design will dictate whether a block, slab, or wall foundation is used. This phase also includes critical aspects of plumbing, sewage, and in some cases waterproofing.
Phase 4: Putting up the frame
This is an exciting phase, as the wood frame of the house begins to make it seem real. The walls, floorboards, and roof will all be installed during this phase. The roof is completed, including shingles, in order to protect the rest of the construction process from the elements. You see the windows and doors going in, and you begin to see how the actual shape and dimensions of the home will look.
Phase 5: Infrastructure galore
This phase is known in the industry as rough mechanics, and includes everything from HVAC systems (including duct work) to electrical and plumbing systems. This is a very busy and critical phase as your home's "operating system" is installed. This is where having a highly reputable contractor on your side is important. When this phase is complete, your home will be fully connected to local utility services such as gas, water, sewage and electricity.
Phase 6: Putting in the drywall
As the insulation and drywall are installed, you begin to see how the home's interior dimensions will really look. Any stone or brick in the home's exterior design is also installed during this phase.
Phase 7: Getting down to the details
At this point, your new home is nearing completion and your builder is getting down to some of the finer details, such as cabinetry and trim. Appliances and flooring are installed, and the home is painted inside and out. Fixtures and carpeting appear throughout, and the home's yard is graded. Grass is either planted or sod is laid.
Phase 8: Inspections and finishing touches
Your new home is now complete, and it's time to make sure you got exactly what you asked for. Careful walkthroughs and inspections are carried out with your contractor, and this is your moment to raise any lingering issues that need to be addressed. Be sure to ask plenty of questions during this phase, and think critically. This is a huge investment and you want everything to be in ship-shape before the builder finally vacates the property and removes all equipment.
Enjoy your new home!
Building a new home is a dream come true for many Americans. By understanding the process ahead of time and working with a reputable home construction company, it's possible to realize this dream with a minimal amount of stress and anxiety. Happy building!
We appreciate you stopping by, and welcome any feedback or questions you may have!


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Your dream career starts here.
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This section includes useful information and helpful resources for stroke patients, their families and caregivers from the Brain Attack Coalition members. The BAC primarily serves medical professionals, but most of our members offer extensive information for the public. Print this page to use as a hand-out for direct links to coalition member patient education sites.READ MORE
This section provides information on the step-by-step actions taken by healthcare professionals in caring for stroke patients once a diagnosis has been made. Pathways (also called care tracks and care maps) include a range of documents such as internal hospital forms, triage and protocol guidelines, intervention guidelines, as well as stroke care systems development andREAD MORE
This section includes example Hospital Admission Orders, Physician Orders, and pertinent checklists. Cleveland Clinic Foundation Coordinated Care Tracks: Admission Orders North Carolina Baptist Hospitals: Ischemic Stroke Admission Orders TPA Stroke Study Group Physician's Orders University of Cincinnati Physician's Checklists / Order Sheets Froedtert & Medical College: Ischemic Stroke/TIA Standing Orders Frequently Asked Questions Q. WhatREAD MORE
Stroke Guidelines are a comprehensive diagnostic tool. Guidelines are used to establish quickly whether or not a patient is experiencing an acute stroke, the stroke's range and severity, and most effective treatment. The following guidelines include many common factors. Variation between the guidelines is determined primarily by their use in research and practice specialties. AmericanREAD MORE
About the Coalition Representing medical, scientific, advocacy, and government professionals from across the stroke continuum, the Brain Attack Coalition is dedicated to setting direction, advancing knowledge, and communicating best practices to improve our ability to prevent and combat stroke. Professional resources include Guidelines and Orders for systems development for acute stroke care (including stroke team or stroke center development),READ MORE
World Medical & Health Policy is a unique new journal dedicated to the intersection of politics, policy, medicine, and public health. We live in a globalizing world, where public policy decisions affect the prevention of diseases and the practice of medicine. World Medical & Health Policy publishes articles that translate research into policies and practiceREAD MORE


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To order images and/or obtain permission to use them commercially, please contact the KSHS Reference Desk at email@example.com or 785-272-8681, ext. 117.
For more information see the Copyright and Permission FAQ.
These documents comprise the fourth series in the Abbie Bright Papers. The series includes letters and maps pertaining to the Abbie Bright diary (record unit 223662). These materials were generated in preparation for the publication of Abbie Bright's diary in The Kansas Historical Quarterly, autumn and winter 1971, to which a link is provided below.
Date: 1970-1971
Item Number: 223722
Call Number: Abbie Bright Papers, Coll. #293, Series 4
KSHS Identifier: DaRT ID: 223722
Collections - Manuscript - Bright, Abbie
Date - 1970s
Government and Politics - State Government - State agencies and programs - Agencies - Kansas State Historical Society
Home and Family - Residences - Furniture - Clocks
Home and Family - Residences - Furniture - Spinning Wheels
Objects and Artifacts - Communication Artifacts - Documentary Artifact
Objects and Artifacts - Communication Artifacts - Documentary Artifact - Map
Places - Counties - Saline
Places - Counties - Sedgwick
Thematic Time Period - Immigration and Settlement, 1854 - 1890
Type of Material - Maps
Type of Material - Unpublished documents


text: This is a difficult book to read yet worth the effort. You will visit a world you likely never thought existed in China, or anywhere. You will see the worse we can do as human beings to ourselves and the environment. You will also see the strength of the human spirit to both survive and thrive.


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The Ratio with Sam Haque & DJ Roesh
March 11 @ 19:00 - 21:00
|Recurring Event (See all)
The Ratio with Sam Haque & DJ Roesh brings the latest Urban Music & Chat along with banter, freestyles, debates, and Old Skool feel good classics!! Live every 2nd & 4th Wednesday of the month.


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Stila Stay All Day Liquid Lipstick- Beso (True Red)
By PRICELESS From United States
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|Single Item
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|+ $11.99
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Delivery Information
Usually ship via the United States Postal Services (USPS) with tracking numbers and some with signature confirmation as orders are packed safely, securely sealed, taped and sometimes bubble-wrapped depending on the item being shipped.
Ships via International Priority Mail service. Anything, anywhere, and anytime-USA (including Alaska, Hawaii, Puerto Rico, Guam, PO Box, APO/FPO/DPO, U.S. Protectorates and Territories) and WORLDWIDE.
Returns Policy
We accept returns of any item. Item(s) must be returned within 14 days after arrival or 15 days from purchase date. Customer must contact us to request for a return authorization number. All returns require a Return Authorization Number to be issued prior to being returned. Any returned item must be in its original, unused condition and in same shipping box or envelope received including packing materials, manuals, and all accessories. Customer bears the cost to return the item or product. Opened, used, tested products, or damaged factory sealed manufacturer boxes cannot be returned or accepted. Any returned item must be in an unused condition and in exact shipping box/envelope received. Tracking number must be provided for any return package. If upon receipt and we discover that you have returned damaged or used product and/or with marks, signs of usage, then no refund shall be issued to buyer. Customers are responsible for the accuracy of their product selection and information entered. A 30% restocking fee plus actual shipping cost where applicable is charged for any return originating on the part of the buyer such as accidental order, change of mind, error in order, no longer needed or wanted, not reading or understanding product listing or description, ordering the wrong item or product, wrong assumptions, unauthorized purchase etc. Caveat emptor!
A creamy-matte, full-coverage lip color delivers intense moisture with bold, long-lasting color and stays in place for up to 6 hours of continuous wear. The texture is weightless on lips and delivers superb comfort and its color-rich formula will not bleed or transfer. Enriched with vitamin e and avocado oil, stay all day liquid lipstick hydrates and softens the lips so they look and feel beautiful. Eight new shades join two existing shades with new and improved plush doe foot applicator.
- Creamy matte-full coverage
- Intense moisture
- Color for 6 hours
United States
Welcome to Priceless- The leading and popular online source for a wide variety of products ranging from unique hard-to-find and discontinued colognes, eau de toilette, fragrances, scented candles, creams, lotions, body washes & shower gels, body mist, splashes and sprays and other beauty, health & personal care products, garden, kitchen and home decor, general merchandise and a host of other items too numerous to mention as we continue to put up new listings from day to day.
We do NOT sell used products as all items for sale are brand new, never used and unopened. 100% guarantee.
We never share our customers information, so feel free to shop safely. Customer satisfaction is always our top priority and goal as we are committed to providing each and every one of our customer with the highest standard of customer service possible.
If you have any concerns, inquiry, question or even suggestions, please do feel free to contact us.We are here for you and always at your service as we look forward to hearing and doing business with you.
Thank you for visiting and patronizing our store.We appreciate your time and attention. Hope you would enjoy your shopping with us.
Once again, thank you for allowing us to serve you at this time and have a blessed day!


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Jovi - Black & White Shorthair
I captured this photograph of my friend's cat (and her other 4) because I had very few reference photos of Cat's and so went up to her house to take some photos of them all. This is Jovi who was sadly knocked over by a hit and run and was instantly killed. This painting, although was never originally created as a memento of Jovi, sadly turned into one but I hope his portrait offers some comfort to his loving family, knowing he'll never be forgotten.
Traditional Hearts - Medium
Product details: Each portrait is hand painted on a heart shaped 18mm deep sheet of MDF using professional quality Heavy Body GOLDEN Acrylics which contain the largest assortment of unique pure pigments to offer excellent permanency and lightfastness.


text: Multi-threaded text chat is an excellent tool to manage high volume inquiries while maximizing the efficiency of your staff. Your agents are able to carry simultaneous conversations with multiple customers with ease. Common problems with multi-threaded chats include long wait times for responses, and confusion in information from multiple, simultaneous chats. The Vee24 platform makes it easy to follow each customer conversation with a smart layout, easily accessible links and shortcuts, and canned text chats which allow you to send common responses with a click of a single button.


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One of the reasons I am enjoying the execution of this blog is that it is encouraging me to read each weeks' Torah portion and rabbinical commentary.
This week's portion is Mishpatim, Exodus 21:1 - 24:18. In this portion we hear G'd give us the rules and regulations for being the chosen people. From slaves to ritual sacrifice to the leaving of land fallow every seven years- it is all there. At the close of the parsha, Moses climbs Sinai and remains there for forty days.
Within Mishpatim are also the initial rules of kashrut, the Jewish dietary laws.
I do not keep a Kosher home... as we are contemplating a move to a new home, I too am considering keeping a kosher home, especially since the children will likely be attending a Jewish day school soon. One of the things I remember from my grandmother's home is the importance of keeping everything separate- milchig (milk) dishes were stored away from the fleishig (meat) dishes. There even were separate pots and pans, towels, separate soaps and separate dishpans. If Martha Stewart were Jewish, can you imagine how many MORE sets of serving ware she would have???
One of the things that always concerned me was that I would mess things up and put a milk spoon in the meat drawer. Some one has finally come up with an answer for those of us with these concerns. Mark Moskowitz of fiftytwothousand.com created real dairy and meat dishes- that even someon like me could not mess up!
These plates enhance the Jewish cultural experience. While filling a void in contemporary design for those that keep Kosher and require separate meat and dairy dishes, they also bridge different sects of Judaism, and share ancient rituals with friends of all beliefs. From the Slow Food Movement to Kosher eating, our collective cultural perspective is enhanced while having a spirited meal. Also great for appetizers.


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Kyiv(044) 455-84-42
Protect your joints and ligaments with "Suglobin ІС"!
Movement is a life and we all know about it, doing every day thousands, or maybe tens of thousands movements. For this, we have bones, muscles, joints, ligaments and tendons. Movements bring us joy when they are free and painless.
Muscles allow you to move, contract and unbend, and the joints allow this movement to take place. These are, in a sense, support points, with the help of which all this becomes possible.
That is why, the "INTERCHEM" company released "Suglobin ІС" for the health of your joints. This dietary supplement is recommended in the diet as an additional source of collagen, chondroitin and glucosamine, which are essential components for the regeneration of connective tissue, synovial fluid and cartilage components of the joints.
Chondroitin and glucosamine are natural substances that provide elasticity and elasticity of cartilage tissue, skin, tendons, ligaments and vessels. The decrease in chondroitin content in tissues is observed with aging of the body, as well as with such diseases as osteoarthritis and osteochondrosis.
Collagen is a fibrous protein, imparts strength and flexibility to connective tissue. Collagen II type - the main building protein of cartilaginous tissue. Its share in articular cartilage is about 90%. If there is a violation of the formation of collagen, joints, tendons, ligaments and skin can develop.
Stay flexible and mobile with Suglobin ІС!


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Capital is a key measurement of an institution's financial strength. It acts as a buffer against losses and affords protection for depositors when a bank is experiencing economic trouble. From a safety and soundness perspective, more capital is preferred.
Sawyer Savings Bank fell below the national average of 13.13 on our test to measure capital adequacy, achieving a score of 12 out of a possible 30 points.
A bank's Tier 1 capital ratio is a widely followed measure of this buffer. Sawyer Savings Bank's Tier 1 capital ratio was 21.52 percent, above the 6 percent level regulators consider adequate, but less than the national average of 25.65 percent. A higher capital ratio suggests the bank will be better able to weather financial difficulties.
Overall, Sawyer Savings Bank held equity amounting to 10.09 percent of its assets, which was lower than the national average of 12.03 percent.
This test's purpose is to estimate how the bank's capitalization and allocated loan loss reserves could be affected by problem assets, such as unpaid mortgages.
A bank with a large number of these kinds of assets could eventually have to use capital to absorb losses, reducing its cushion of equity. It also means that there are likely to be many assets that are in non-accrual status and no longer earning money, resulting in diminished earnings and potentially more risk of a failure in the future.
Sawyer Savings Bank scored 40 out of a possible 40 points on Bankrate's test of asset quality, exceeding the national average of 37.49.
A useful indicator of asset quality is the percentage of problem assets a bank holds compared to its total assets. As of December 31, 2017, 0.47 percent of Sawyer Savings Bank's loans were noncurrent -- in other words, they were more than 90 days past due or were in non-accrual status. That's below the national average of 1.01 percent.
Banks maintain a reserve to handle troubled assets known as an "allowance for loan and lease losses." The size of that reserve can be a widely used indicator when evaluating a bank's ability to manage troubled assets, especially when compared to the total amount of problem loans. Unfortunately, the FDIC did not provide information on Sawyer Savings Bank's loan loss allowance in its most recent filings.
How profitable a bank is has an effect on its long-term survivability. Earnings may be retained by the bank, increasing its capital buffer, or be used to deal with problematic loans, likely making the bank more resilient in tough times. However, banks that are losing money have less ability to do those things.
Sawyer Savings Bank scored 4 out of a possible 30 on Bankrate's test of earnings, less than the national average of 15.12.
One key measure of a bank's earnings is return on equity, calculated by dividing net income (profit, essentially) by the total amount of equity. Sawyer Savings Bank's most recent annualized quarterly return on equity was 1.74 percent, below the national average of 8.10 percent.
The bank reported net income of $435,000 on total equity of $25.1 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 0.18 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.
Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.
Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.