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By Emily Bary
MarketWatch photo illustration/iStockphoto
Analysts say Oracle Corp.'s concerns go beyond a key executive's medical leave of absence.
Oracle's (NYS:ORCL) late Wednesday announcement that Co-Chief Executive Officer Mark Hurd would be going on medical leave is weighing on shares of the software giant, but some are worried about more fundamental aspects of Oracle's business that cropped up in the company's latest earnings report. The company pushed its report up by a day to make it coincide with the disclosure on Hurd's leave.
Morgan Stanley's Keith Weiss said that, just like last year, Oracle suffered from "spotty execution" in its fiscal first quarter after reporting a stronger fiscal fourth quarter. Though the company's disappointing results in the latest quarter were said to be driven by a license miss and sales reorganization in North America, Weiss is still concerned about Oracle's revenue growth going forward given "mixed" performance from apps, a year-over-year deferred revenue decline, and "most specifically management stepping back from prior full-year revenue growth targets looking for acceleration from last year's 2.7% growth."
Weiss worries that the sales reorganization and Hurd's leave of absence "add execution risk" while the risk of full-year revenue disappointment remains. He rates the stock at equal-weight with a $59 target.
Oracle shares were off 5.3% in Thursday trading and on track for their worst single-day percentage decline since last June.
Opinion: How to pick long-term stock winners in cloud computing
Instinet analyst Christopher Eberle said that Oracle's product updates don't seem to be reflected in the company's numbers thus far. "1Q results did not provide much in the way to alter our bearish thesis; revenue growth has yet to meaningfully inflect despite ORCL reporting strong cloud bookings, while the buyback remains elevated in our view based on the company's historic leverage levels," wrote Eberle, who has a reduce rating and $42 target on the stock.
William Blair analyst Jason Ader took a similar view while calling the first-quarter numbers "mediocre" and the second-quarter outlook "disappointing" in his note to clients.
"Though we continue to see potential in Oracle's pivot towards cloud and SaaS revenue streams, we need more evidence that these products can return the company to sustainable growth," Ader said. He has a market-perform rating on the stock.
Read: Why buying and selling a house could soon be as simple as trading stocks
Jefferies analyst John DiFucci was more upbeat, saying that Oracle "has a deep bench of talent" who can fill Hurd's shoes during his leave and commenting that Oracle's first quarter is typically its weakest.
"Notably, management did not provide an update on its expectation for total revenue growth on today's call, a signal that could be perceived by investors as an incremental risk to growth (as a result of Mark Hurd's departure and potential disruption to the sales org)," DiFucci wrote. "However, we also point out that a similar dynamic played out last year when management initially provided its target of double-digit EPS growth for F19 but did not provide an update in the following quarter, but eventually delivered on its original goal."
He rates the stock a buy with a $66 target.
Despite Thursday's drop, Oracle shares are still up 18% on the year, as the S&P 500 (S&P:SPX) has risen 20%.


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Construction Risk Management and Weather Analysis
Athenium Analytics offers powerful cloud-based tools to optimize construction bidding, planning and building for contractors. Our powerful weather analytics and risk management tools will help keep your projects on-budget and on time.
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Construction projects are complex. From estimation and bidding, to managing vendors, supplies and labor—contractors have to be masters of preparation and planning. Our cloud-based construction software leverages weather and beyond-weather variables to inform risk management and project timelines to help move your project from vision to ribbon-cutting. Severe weather is the most common cause of construction delays and cost overages. As seasonal weather hazards like winds, temperatures and precipitation continue to get more extreme, do you have a plan to protect your teams, materials and timelines against weather risk?
Athenium Analytics is proud to collaborate with the Associated General Contractors of America (AGC) to deliver a new weather risk analysis dashboard called GaugeConstruction to help its members protect their teams, materials and timelines against weather-related risks.
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subset: commoncrawl


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in a strange twist of events, roman ragazzi is on top. too bad he's not around anymore – his arms were amazing!
in a strange twist of events, roman ragazzi is on top. too bad he's not around anymore – his arms were amazing!
i usually like to see the face that goes with the arms, but in this case, i can forgive it – the black and white really accentuates the contrast between the skin and hair – and shows how beautiful it is over the back of his hand
someone once told me that if you can get off to a video on youtube, you're a true perv. if that's the definition, i'm a huge fucking perv – i get off to youtube videos all the time, because if the guy has good arms, he's probably going to be good at getting me off. this video has made me cum more times than i can count – i like how they progressively get closer and closer in on his forearms.
this dude is all about showing you how to get big forearms – and fortunately, he shows off his own big forearms in the process!
i've been a fan of mike tornabene (aka dom mazzetti) for years – i love the way he edits his videos, the character that he plays, the pacing – everything. then he started another channel on youtube called brosciencelife that combines his typical sarcastic approach along with gym-centered videos. a favorite of mine is "how to spot a fuckboy in the gym." his videos aren't typically instructional as far as how to work out, but this one is – so, in addition to showing off his amazing arms and forearms, he's offering some good exercises for forearms! WIN!
this dude has great arms and doesn't appear to shave his forearms – a big no-no in my book and common practice with the muscle-minded. here's he's measuring his biceps and that his big, thick forearms.
yes, my focus is always on forearms but i get turned on by everything south of the shoulder – upper arm, forearm, wrists, hands. this dude has great arms – great forearms and great everything else. watching him tear these shirts off is hot because you can see all the muscles in his beautiful arms working together. total boner material!
i'm a sucker for good arms or a watch on the left arm or a dude in the drivers seat. or, all 3!
i don't think he meant to, but he did a great job showing off his forearms in this video!


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After graduating from the University of Louisville School of Dentistry with her Doctor of Dental Medicine degree, Dr. Priscilla Johns Bond completed her pediatric dental specialty training at Indiana University and James Whitcomb Riley Hospital for Children. She completed a two-year fellowship with United Cerebral Palsy and has been providing dental care to children since 1985.
Dr. Bond is a Diplomate with the American Board of Pediatric Dentistry and is a member of the American Dental Association, Kentucky Dental Association and the Louisville Dental Society. She currently serves as faculty at the University of Louisville School of Dentistry in the Department of Pediatric Dentistry.
Dr. Bond has two grown boys and lives with two dogs. She loves photography, biking, hiking, and anything active.


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This is another of my Mom's delicious recipes. They are better known here in Utah as funeral potatoes. I don't know what is different about my recipe but I get a lot of requests for this recipe. It might be the butter. You can add diced ham or green/red peppers to change it up. These are just some plain old cheesy, creamy potatoes. They are really easy to make because it starts with frozen hashbrown. (I accidentally bought shredded hash browns but I prefer the cubed kind. You can use whatever you prefer. )
Potato Casserole
32 oz. frozen cubed hashbrowns
1 cube melted butter
1/2 tsp pepper
1 tsp salt
1 can cream of chicken soup
2 cups grated cheddar cheese (I always use the colby mix because that's what I buy) plus more for top
1 tsp salt
2 tbsp. onion, minced
1 pint (2 cups) sour cream
Mix all ingredients except for hashbrowns & cheese in large bowl. Once well mixed add hasbhrowns and cheese. Put in a greased 9x13 pan and top with more cheese. Bake in a 350 degree oven for 40-60 minutes until warm and bubbly.


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Snack Review
Buy potato chips on Amazon #ad
Taste test: These potato chips generally had a golden yellow color, with some brownish spots and a lot of skin visible around the edges.
Some of the chips were fairly large, and all were somewhat wiggly and many had bubbles embedded inside. With the heat warnings on the bag including of habanero pepper and Scoville Institute brand name, I had a high heat expectation. They turned out to be very tasty chips, very crunchy and somewhat crisp, but as hot chips go, they were quite tame. There was a mid-level heat after eating several chips, plus mildly hot aftertaste, but really nothing major. Some potential tasters were scared off by the warnings, but everyone willing to try liked these the taste, though nobody thought that they were particularly hot.
Shop: Buy potato chips on Amazon #ad
Smell test: Good potato smell with a bit of cheddar, but nothing hot.
From the package: "xxx-hot warning" ... "Thank you for trying our new All Natural Kettle Chip. We also offer a full line of All Natural Hot Sauces, Salsa and Mustards."
Online store: Buy potato chips on Amazon #ad
Company: The Scoville Food Institute
Categories for this snack:
This snack was contributed to Taquitos.net by the manufacturer. Review published .
Most popular in previous months
Still hungry? Check out the 100 latest reviews


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This wonderfully sweet gold moon rainbow astronaut features:
- Hand-sculpted and glazed ceramic.
- High-quality, nickle free, 20" 14k gold-filled rolo chain.
- Eye-catching 22k gold metal details.
- Dazzling white-gold metal details.
- A 24k gold-plated, sterling silver moon charm. To charm you with!
This piece is approximately 1.25 inches tall.


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It's hurricane season until November 30th so it's important to keep prep tips top-of-mind. Find some resources below to help you and your family ensure you're ready for possible storms.
1. We like this website for the comprehensive information. From planning to evacuation maps, how to manage your pets during a storm and watches & warnings, this site has it all.
2. This site gives a great run-down of what to do when you are either caught in a hurricane or it's up to 36 hours away from hitting. Read through so you're aware before a storm arrives.
3. Look over the tips here to find information on the dangers of hurricanes and nomenclature used to describe different aspects of the storm. There are also great links that show Texas road conditions which come in handy when you're navigating routes before you leave.
4. Follow these 3 steps to get yourself prepared for any disaster.
- Make a plan
- Build a kit
- Get informed
Get started here with the Texas Department of State Health Services.
Everyone at Power of Texas wants you to stay safe during hurricane season. Be prepared so you're not caught off guard during storms.


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Our baby music and sensory classes build brain connections and skills every lesson. You already know that music is one of your baby's favourite things, but did you know that it's also one of the best things for his developing mind?
Your baby's brain is filled with billions of neurons waiting to be connected through sensory stimulation. Our baby music classes offer a sensory-rich yet caring and gentle environment.
- Unlimited classes per week
- Take home books, CDs and instruments
- 45 minute lessons
- Parenting tools to make everyday easier
The activities and relationships you engage in during class will develop and strengthen your baby's neural pathways, enhance your growing parent-child bond, and help you understand the how's and why's of your baby's development. In class, babies and infants explore and react to new sounds, sensations, and environments. They socialise with others in a safe environment, learning how to appropriately respond to other children and adults.
Here's what some of our parents say about our classes:
- Helps with Motherhood skills
- Children are ahead of their peers when they go to school
- The best part of our week!
- The books are a favourite at home
- Learn how to share and lots of different skills
- Loads of fun and a variety of teaching techniques are used
- Even shy children who don't do much in class go home and do everything
- Children ask every day "Is today Kindermusik Mummy?"
- I learn as much as the kids do


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Download nowDirect download link (Windows) ]
NEW Growtopia – Halloween 2016 ( New Items + Recipe ) file addition to our website. This program has been tested for two weeks an it passed all beta and stress tests. Growtopia – Halloween 2016 ( New Items + Recipe ) has latest built in features and as a bonus we added some cool tricks that will be described in notes.txt file after installation.
Growtopia – Halloween 2016 ( New Items + Recipe ) has latest proxy and VPN support. Your IP address will be hidden from outside internet. 100% anonymity.
Growtopia – Halloween 2016 ( New Items + Recipe ) supports WINDOWS and MAC OS. as well some of the latest mobile platforms.
This tool is free from advertisement and hidden offers. No hidden agenda here, files are clean and easy to use. All out tools are open source.
Please follow instructions in file notes.txt after installation, there will be described all feature lists and how to use instruction.
In case you encounter some errors, please CONTACT US. We provide FREE SUPPORT.
---- --- --- ----
Wazzup guys! Presenting the latest added items in halloween 2016. Be sure to get the password for GETWLAC. Sorry if you notice the vid is abit laggy, i think theres a problem about the rendering.
Thanks to some of my friends to help me collect the items.
Minor Otherworldly bait – Drop worm in growganoth.
Lesser Otherworldly bait – Drop Fishing Flies or Shrimp Lures at growganoth.
Otherworldly Bait – Droping a Whizmo Gizmo at growganoth.
Heatbow – Drop heartbow in growganoth.
Haunted door – Drop password door at growganoth.
Devil tail – Drop dragon tail at growganoth.
Sheet music: Spooky – Drop any sheet music at growganoth.
Soul orb – Drop orbs of elixir at growganoth.
Doompunk Waistcoat – Drop Steampunk Waistcoat at growganoth.
Doompunk Skirt – Drop Steampunk Skirt at growganoth.
Doompunk Leggings – Drop Steampunk Leggings at growganoth.
Doompunk Trenchcoat – Drop Steampunk Trenchcoat at growganoth.
Doompunk Top Hat – Drop Steampunk Top Hat at growganoth.
Haunted Window – Drop Dark Cave Background at growganoth.
Haunted Darkness – Drop Dark Cave Background at growganoth.
Apocalypse Steed – Drop Growley Motorcycle at growganoth.
Malevolent Hair – Drop Spiky Anime Hair at growganoth.
Death Scythe – Drop Heavenly Scythe at growganoth.
Demonic skull – Drop cow skull at growganoth.
Death Metal Block – can get from 100 Demonic skull.
Steel spike – can get from surgery.
Riding Raven – can get from Shop.
Eye of Growganoth – You get it by winning Growganoth's Games (Daily Challenge)
Rickety Wallpaper – Drop rarity 20 or more in growganoth.
Rickety window – Drop rarity 30 or more in growganoth.
Rickety door – Drop rarity 40 or more in growganoth.
Jack o' lantern mask – Drop rarity 70 or more in growganoth.
Buzzsaw – Drop a item with rarity 80 or higher in growganoth.
Disclaimer: All materials in this video owned by their respective companies are within their rights.
Song: NCS: Tobu – Candyland
– Tobu
— SoundCloud
— Facebook
— Spotify
Follow Me:
Instagram : anonymouscry_gt
Twitter : @anonymouscry_gt
Subscribe me:
Download Growtopia at :
Android: …
Windows: …
Growtopia – Halloween 2016 ( New Items + Recipe )
How to install:
– Download, extract and run .exe file,
(If your antivirus blocking file, pause it or disable it for some time.)
– Choose destination folder
How to Use:
Open destination folder and locate file notes.txt, open it and read step by step.
Don't forget to read instructions after installation.
Enjoy Growtopia – Halloween 2016 ( New Items + Recipe ).
All files are uploaded by users like you, we can't guarantee that Growtopia – Halloween 2016 ( New Items + Recipe ) are up to date.
We are not responsible for any illegal actions you do with theses files. Download and use Growtopia – Halloween 2016 ( New Items + Recipe ) on your own responsibility.
Download nowDirect download link (Windows) ]


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Got a Question? Call or Text Us!
Sold Out
Fast Shipping - All orders are shipped within 48 business hours or less, and ship FREE when your cart reaches $75 or more *(day hoop orders only)!
60-Day Money Back Guarantee - If You are not 100% satisfied with The Spinsterz product. We will issue a full refund. No questions asked!.
We've been serving the flow arts community for 14 years, we were actually one of the first companies in the US making hoops and fire toys.
We have ⭐⭐⭐⭐⭐ REVIEWS on ALL the channels; Amazon, Facebook, Google, Etsy, our Website.
My Promise To You 🙏
"If I don't provide you with the best service and product you have ever had, then I will give you your money back."
~ Brandon Huston - Owner, and Professional Fun-Haver.
Keep the Nightman at bay by outfitting your crew with hoops made in honor of the Champion of the Sun! The color calls to mind the suit that Charlie Kelly (played by Charlie Day) wore in the infamous It's Always Sunny in Philadelphia skit "The Nightman Cometh"!
Shipping is calculated automatically. This product does NOT qualify for free shipping.


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11/5/18 ASHLAND, Ohio – Ashland University will be highlighting the successes of its College of Nursing and Health Sciences as part of the National Nursing and Health Professionals Week set for Nov. 5-9.
Ashland University's College of Nursing and Health Sciences offers undergraduate programs in the traditional BSN, Accelerated-Second Degree, Advanced Entry-Transfer Students, RN to BSN, Athletic Training, Dietetics and Exercise Science programs, where students receive intensive instruction through small class sizes and one-on-one attention from their professors. To further enhance the educational experience, students are able to participate in a Living Learning Community with peers studying within the College of Nursing and Health Sciences.
In the fall of 2012, a Simulation Center equipped with 32 Hill-rom beds and head-wall units, mirrored from a fully functioning hospital, was installed in the Dwight Schar College of Nursing, located in Mansfield, Ohio. The simulation lab provides students with hands-on experience in nursing skills and appropriate patient care to prepare them for their clinical experiences. Clinical experiences are offered in major hospitals within an 80-mile radius in Ohio, and students participate in rotations of acute care facilities, community agencies and long-term care.
Students are given professional research experience through semester-long research projects over cultural or global health-related studies and are encouraged to study abroad with fellow classmates. AU's College of Nursing and Health Sciences also offers specific cultural immersion trips to the Dominican Republic and the Navajo Indian Reservation.
In addition to the undergraduate degree programs, Ashland University offers Graduate Programs online in Doctorate of Nursing Practice-Family Nurse Practitioner/Advanced Practice, Doctor of Nursing Practice-Health Systems Leadership, School Nurse Program, Nurse Educator Certificates and a Master of Science in Exercise Science.
Ashland University's College of Nursing and Health Sciences baccalaureate nursing program is accredited by the Ohio Board of Nursing (OBN) and AU's online RN to BSN nursing program has been ranked as one of the top programs in the country by Best College Reviews.
Ashland University, ranked in the top tier of colleges and universities in U.S. News and World Report's National Universities category for 2018, is a mid-sized, comprehensive private university conveniently located a short distance from Akron, Cleveland and Columbus, Ohio. Religiously affiliated with the Brethren Church, Ashland University (www.ashland.edu) deeply values the individual student and offers a unique educational experience that combines the challenge of strong, applied academic programs with a faculty and staff who build nurturing relationships with their students. ###


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Comic […]. Mientras tanto, un grupo de chicas ardientes, la enfermera Joy, Diana, Elizabeth […].
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This Will Make You Happy, When Skies Are Grey!
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JUVÉDERM® is a smooth gel filler that will instantly smooth away wrinkles around your mouth and nose. It works by helping to replace the hyaluronic acid your skin has lost with age, adding volume to 'fill out' and smooth away facial wrinkles and folds. Juvederm can smooth out the lines along the sides of your nose and mouth for up to one year with only one treatment. Juvederm is the only hyaluronic acid (HA) filler FDA approved to last up to 1 year with initial treatment.
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See packaging for details..


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Vastavam web: DMK president M Karunanidhi died today after prolonged illness, the city hospital where the leader was admitted, said. The 94-year old leader's end came at 6.10 p.m. "With deep anguish we announce the demise of our beloved Kalaignar M Karunanidhi on 07.08.2018 at 6.10 pm. Despite the best possible efforts by our team of doctors and nurses to resuscitate him, he failed to respond.
"We profoundly mourn the loss of one of the tallest leaders of India and we share the grief of family members and fellow Tamilians worldwide," a press release by Dr Aravindan Selvaraj, Executive Director of Kauvery Hospital, said. In the health bulletin released last evening, the doctors have said maintaining the vital organs of the Veteran Politician has become a challenge considering his age-related ailments. Finally, he succumbed to the multiple ailments he possed over the years.
This is a significant loss to Tamil Nadu Politics given that Jayalalithaa has expired very recently and tremors of the loss are still being felt in the state. This also means that the biggest regional parties of the state have lost their heads and it has to be seen if they open doors to the National Parties.


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Creative Writing
Get creative at the caves and learn all about our amazing history, it's sure to inspire some creative pieces.
There is no better inspiration than Kents Cavern to spark the imagination of children who are doing creative writing, step back from the norm and hear stories of times long past, of creatures that used to roam the lands of Torbay. Hear of cavemen and mammoths, come and listen to stories about giants and dragons, pirates, explorers and heroes! Children can develop their spoken and written language through speculating, imagining and exploring ideas based on their visit here.
|10.30 - Arrive
|10.45 - Cave Tour (based on your topic)
|12.00 - Lunch
|12.30 - Woodland Activity
|13.00 - Archaeological dig & Paleo box
|13.30 - Prepare to depart
Don't forget we're able to accommodate up to 90 children per visit and can tailor your visit towards your topic.
If you would like to book or learn more about educational visits at Kents Cavern you can always contact us.


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Baptism is the outward expression of an inward decision, a public declaration of your commitment to Christ signifying that the old you is no more, and through Jesus you are a brand new creation!
Several times throughout the year we celebrate baptisms in all three of our Sunday morning services during praise and worship.
To register for our next Water Baptism, please fill out the form below. We will contact you to complete the registration process.


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Luke 11:1 And so it was, that as he was praying in a certaine place, when he ceassed, one of his disciples sayde vnto hym: Lord teache vs to pray, as Iohn also taught his disciples. Luke 11:2 And he said vnto them, When ye pray, say: O our father which art in heauen, halowed be thy name, thy kyngdome come, thy wyll be fulfylled, euen in earth also, as it is in heauen. Luke 11:3 Our dayly breade geue vs this day. Luke 11:4 And forgeue vs our synnes: For euen we forgeue euery man that trespasseth vs. And leade vs not into temptation, but delyuer vs from euyll. Luke 11:5 And he sayde vnto them: Whiche of you shall haue a friende, and shall go vnto hym at mydnyght, and saye vnto hym, friende lende me three loaues, Luke 11:6 For a friende of mine is come out of the way to me, and I haue nothyng to set before hym: Luke 11:7 And he within aunswere, & say, trouble me not, the doore is nowe shut, and my children are with me in bedde, I can not ryse and geue thee. Luke 11:8 I saye vnto you, though he wyll not ryse and geue hym, because he is his friende: yet because of his importunitie he wyll ryse, and geue hym as many as he needeth. Luke 11:9 And I say vnto you, aske, and it shalbe geuen you, seke, and ye shall fynde, knocke, and it shalbe opened vnto you. Luke 11:10 For euery one that asketh, receaueth, and he that seketh, fyndeth, and vnto hym that knocketh, shall it be opened.
Luke 11:11 If the sonne shall aske breade, of any of you that is a father, wyll he geue him a stone? Or yf he aske fisshe, wyll he for fisshe geue hym a serpent? Luke 11:12 Or yf he aske an egge, wyll he offer hym a scorpion? Luke 11:13 If ye then, being euyll, can geue good gyftes vnto your chyldren, howe muche more shall your father of heauen geue the holy spirite, to them that desire [it] of hym.
Luke 11:14 And he was castyng out a deuyll, and the same was dumbe. And it came to passe, when the deuyll was gone out, the dumbe spake, & the people wondred. Luke 11:15 But some of the sayde, he casteth out deuils through Beelzebub, the chiefe of the deuils. Luke 11:16 And other tempted him, and required of hym a signe from heauen. Luke 11:17 But he knowyng their thoughtes, sayde vnto them: Euery kyngdome deuided agaynst it selfe, is desolate: and a housed [deuided] agaynst a house, falleth. Luke 11:18 If Satan also be deuided against him selfe, howe shall his kyngdome endure? Because ye saye that I cast out deuils through Beelzebub. Luke 11:19 If I by the helpe of Beelzebub cast out deuils, by whose helpe do your chyldren cast them out? Therfore shall they be your iudges. Luke 11:20 But yf I with the fynger of God cast out deuyls, no doubt the kyngdome of God is come vpon you. Luke 11:21 When a strong man armed, kepeth his palace, ye thynges that he possesseth are in peace. Luke 11:22 But whe a stronger then he commeth vpon hym, and ouercommeth hym, he taketh from him all his harnesse, wherin he trusted, and deuideth his goodes. Luke 11:23 He that is not with me, is against me: and he that gathereth not with me, scattereth [abrode.] Luke 11:24 When the vncleane spirite is gone out of a man, he walketh through drye places, sekyng rest: and when he fyndeth none, he sayth, I wyll returne vnto my house, whence I came out. Luke 11:25 And when he commeth, he fyndeth it swept and garnisshed. Luke 11:26 Then goeth he, and taketh to hym seuen other spirites, worse then him selfe, and they enter in, and dwell there: and the ende of that man, is worse then the begynnyng.
Luke 11:27 And it came to passe, that as he spake these thynges, a certayne woman of the company lyft vp her voyce, & saide vnto hym: Happy is the wombe that bare thee, and the pappes whiche gaue thee sucke.
Luke 11:28 But he sayde: Yea rather happy are they that heare the worde of God, and kepe it.
Luke 11:29 When the people were gathered thicke together, he began to saye: This is an euyll natio, they seke a signe, and there shall no signe be geuen them, but the signe of Ionas the prophete. Luke 11:30 For as Ionas was a signe to the Niniuites, so shall also the sonne of man be to this nation. Luke 11:31 The Queene of the south shall ryse in iudgement with the men of this nation, and condempne them: for she came from the vtmost partes of the earth, to heare the wisedome of Solomon: And beholde, a greater then Solomon is here. Luke 11:32 The men of Niuiue shall rise in iudgement with this nation, and shall condempne them, for they repented at the preachyng of Ionas: and beholde, a greater then Ionas is here. Luke 11:33 No man lyghteth a candle, & putteth it in a priuie place, neither vnder a busshell: but on a candlesticke, that they which come in may see the lyght, Luke 11:34 The lyght of the body, is the eye: Therefore when thyne eye is single, all thy body also shalbe full of lyght. But if thyne eye be euyll, thy body also shalbe full of darknesse. Luke 11:35 Take heede therefore, that the lyght which is in thee, be not darknes. Luke 11:36 If all thy body therfore be cleare, hauyng no part darke, then shall it all be full of lyght, euen as when a candle doth lyght thee with bryghtnes.
Luke 11:37 And as he spake, a certaine pharisee besought hym to dyne with hym: and Iesus went in, & sate downe to meate. Luke 11:38 When the pharisee sawe it, he marueyled that he had not first wasshed before dynner. Luke 11:39 And the Lorde said vnto him: Now do ye pharisees make cleane the outsyde of the cuppe, and the platter, but the inward part is full of your rauenyng and wickednesse. Luke 11:40 Ye fooles, dyd not he that made that whiche is without, make that which is within also? Luke 11:41 But rather geue almes of those thynges which are within, and beholde all thynges are cleane vnto you. Luke 11:42 But wo vnto you pharisees: for ye tithe mint & rue, and al maner hearbes, and passe ouer iudgement, and the loue of God: These ought ye to haue done, and yet not to leaue the other vndone. Luke 11:43 Wo vnto you pharisees: for ye loue the vppermost seates in ye synagogues, and greetynges in the markettes. Luke 11:44 Wo vnto you scribes and pharisees, ye hypocrites: for ye are as graues which appeare not, and the men that walke ouer them, are not ware of them.
Luke 11:45 Then aunswered one of the lawyers, and sayde vnto him: Maister, thus saying, thou puttest vs to rebuke also. Luke 11:46 And he sayde, Wo vnto you also ye lawyers: for ye lade me with burthens greeuous to be borne, and ye your selues touche not ye burthens with one of your fyngers. Luke 11:47 Wo vnto you, ye buylde the sepulchres of the prophetes, and your fathers kylled them. Luke 11:48 Truely, ye beare witnesse that ye alowe the deedes of your fathers: for they kylled them, and ye buylde their sepulchres. Luke 11:49 Therfore saide the wisedome of God, I wyl sende them prophetes and apostles, and some of them they shall slaye and persecute: Luke 11:50 That the blood of all the prophetes, which is shedde, from the foundation of the worlde, may be required of this generation, Luke 11:51 From the blood of Abel, vnto ye blood of Zacharie, whiche perished betwene the aulter & the temple: Ueryly I saye vnto you, it shalbe required of this nation. Luke 11:52 Wo vnto you lawyers: for ye haue taken away the keye of knowledge, ye entred not in your selues, and them that came in, ye forbad. Luke 11:53 When he thus spake vnto them, the lawyers & the pharisees began to vrge hym vehemently, and to prouoke hym to speake many thynges. Luke 11:54 Laying wayte for hym, and sekyng to catche somethyng out of his mouth, wherby they myght accuse hym.


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Planting live root banana trees
I bought 6 bare root banana trees. They were planted in good sun and partial shade. I used root stimulator. They've been in the ground about 4 weeks and I'm not seeing any growth, leaves etc. I've peeled back some of the Brown leaves and see the stock is greenish. Do I pull off all the Brown leaves? Must the soul be Always Moist? I'm buying mulch today. When or how long will it be till I see leaves? Do I need to cut off the Brown tough tops? I'm at a total loss.
This article will help you with the planting and care requirements.
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Princess Cut Diamond Rings - The Choice Is Hers
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Ok, Ok. I've seen all the comments coming in, for the past 3 years. LOL. You guys wanted the proposal story, here it is. I hope you're not disappointed.
Ashley and I began dating in the Fall of 2004. She was 17 and I was 22; for all you fact checkers out there. Yes, we were both very young, but fell very much in love instantaneously. As most of you know, women are far more mature than men, and this was the case with us as well. Sometimes I feel like our ages should have been flipped, but it all worked out in the end. We dated exclusively over the next several months. I don't think there was a day that went by that we didn't see each other. Every spare moment we had away from work and family we spent with each other. We hung out with a very tight nit group of friends at the time. There were about 8 of us always together, so much in fact that 4 of the guys actually worked together, and lived together. So you could say we were almost brothers.
Ashley and I knew we wanted to get married. There was never a doubt in either one of our minds. We started talking about marriage the following Spring. Wedding bells were in the air as two of the good friends had become engaged and were both married that spring. Ashley and I began talking more seriously about setting a date, and informing our families of our decision to spend our lives together.
I guess you could say we were a little unorthodox with our engagement and timeline. Most people get engaged and then plan the wedding. We kind of did it a little backwards. We were both working and trying to save up as much as we could to have a nice wedding and also get us started on the right foot. I was working 2 jobs at the time, so our free time was limited. I think Ashley wondered if I was ever going to actually propose since we were already down the road starting wedding plans. Little did she know, I was working behind the scenes on her wedding ring during that time. We both were happy to continue planning things, and we set a date for that Fall to be married. Her parents were instrumental in helping with all of the wedding plans, and it seemed we were off and running, except for I hadn't actually proposed yet!
I'm sure all of her family, and Ashley were wondering when the ring and actual proposal was coming. In my defense, I was young and naïve and thought if I wasn't talking about it, nobody was thinking about it. I knew I wanted her to have the best I could afford, and also something unique. I also wanted to make sure the way I asked her was romantic, and something she would remember forever. I was lucky to have a friend of mine who was in the jewelry business. He was impressive with his design of the ring as well as helping me out with cost. We were able to create something very unique for Ashley, and something I've never really seen re-created. Im sure its out there somewhere, but I think its pretty cool to this day, I've never met anyone with the same design. I think that has made Ashley know how hard I worked and how much I wanted her ring to be unique, just like her.
The only problem for me was the ring was taking some time to finish, and I started late, being a man and not planning better. I think Ash thought I was going to give it to her on her 18th birthday, which was July 20th. I very much wanted that to be the case, but did not end up getting the ring in my hands until later that week. So we celebrated her birthday with friends and loved ones, creeping closer to the wedding date we had set for August 12th, and she still didn't have a ring. Ok, at this point, I was starting to feel the heat, from all sides of both families. If any of you knew me then, you knew that I kept most everything personal to myself. I've come out of my shell a bit the last few years. LOL. So basically long story short, nobody knew what was going on, or when I would be proposing, including myself!
I finally got a call that the ring was finished and being overnighted to me so I could finally propose to the love and my life and make everything official; a little over 2 weeks before the wedding. Think of the pressure I had on my shoulders. LOL. I was just grateful it was done. When I opened the package and got my first look at something I'd been working on for months, it was even better than I thought it would be. It was gorgeous and I knew Ashley would love it and cherish it forever.
I planned a date night that week and took the day off of work. Ashley had no clue what was going on. I think at this point she thought she was going to walk down the isle with nothing on her finger and no actual proposal. I could say that I planned it this way all along, making her sweat it out, but the truth is, I was just as nervous and anxious about the timeline, proposal, wedding, family, life decision, adulting that she was! I was terrified. This was the first decision in my life I can remember actually thinking about daily and nightly without any break. This was a serious decision that I knew was going to affect both of our lives forever. This night needed to be perfect. It needed to be everything she dreamed of and anticipated and then some. I prayed for inspiration on what to do and how to say what I was feeling in my heart. I think my prayers were answered.
To throw her off just a bit, I made reservations at PF Changs, one of our favorite restaurants, and one we frequented as much as we could. She had no idea what was coming. We had a very lovely dinner talking about the summer, life, and our plans for the future. It was a night filled without any worry, or thought other than how happy we were in that moment. I will say I did confuse her a bit before dinner. I brought with me a gift box and told her she could have it later that night. I think initially she thought it was her ring until I pulled it out of the car and it was a lot bigger than a ring box. More like the size of a clothing box. That was my plan though. So she was guessing through dinner what it was, probably assuming I bought her something to make up for not having her ring yet. Man this story is making me look really bad, I just realized. Face Palm right now.
We finished dinner and I told her I wanted to go look at the venue where we had planned to have our reception. It was an outdoor venue with plenty of trees and flowers and a beautiful amphitheater. This is where I had planned to propose to her. When we arrived, I walked her to the top of the amphitheater and over to an open grove. In the back of the grove there stood a tall oak tree surrounded by beautiful flowers. Since this was a popular wedding venue, there was good lighting throughout the area, so it was perfectly lit. I had packed a blanket for us to lay out on the grass and look at the stars. We went under the tree and got our area all set up. I then handed her the "big" box and told her I was sorry for the inconvenience of not having her ring sooner and for not officially proposing, but that I wanted to give her something to make up for it. Ashley was always very understanding and always forgiving. She just smiled and gave her little giggle and began to open the box.
As she handled the box, she could hear something jingling. She was very confused, I could tell from the look on her face. She thought it was clothing of sorts, and it was definitely not. As she opened the box, and cleared through the tissue paper, she found a handful of unshaped keys. She was officially confused, and I could see it clearly. The moment was perfect. I knelt down and took the keys from her hands and began to explain their purpose. I told her that these were the keys to our life. None of them were shaped yet, and that was intentional. We were going to shape them together. They each represented something; our first car, home, vacations, children, etc. I told her I wanted to share the rest of my life with somebody that I would never stop loving, and that somebody was her. I asked her if she would go on this lifelong adventure with me shaping our keys together, and shaping our lives together. She was beaming at this point, as most of you can assume, I think she knew what was coming.
I pulled from my jacket the "small" box and handed it to her. She was speechless. I asked her to open it. I can remember her face vividly in that moment. She was surprised, speechless, elated, crying, and happy all in one moment. It was perfect. The ring was perfect. She was perfect. The moment felt perfect. Still kneeling, I took out her hand and asked her if she would be willing to spend the rest of her life with me. Crying, she told me she would, and I placed her ring on her very deserving finger. We held each other for what seemed like a weekend. It was one of the best feelings I've ever felt in this life. The rest of the night became a blur as we melted into each others arms, holding each other like we would a child and expressing our love and gratitude for each other while Ashley kept admiring her new ring. We laid under the stars and enjoyed that moment as long as we could, not just letting it brush by. It was one of the happiest moments of both of our lives.
I hope you all enjoyed reading this as I did writing it. It was nice to go back on memory lane for a moment and remember those two young lovebirds and how crazy about each other they were. The truth is, I believe they still feel that way even today!
Here are a few more of my favorite blogs below, please enjoy:
5 Things You Need To Know About The Gardners
Tysons Top 5 Tips For a Successful Marriage
In case you missed todays vlog, here it is below!


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Who Does What? Hire the Right Landscape Professional
It's one thing to know you and your landscape need professional help. It's another thing to know which landscape professional offers the skills and services you need for the specific landscaping challenges you hope to resolve. To clarify the picture, let's take a quick look to see who does what.
Landscapers are the doers and makers who implement landscape designs. They dig, grade and prepare the soil. They remove, groom or install flowers, plants, trees, shrubs and sod. They construct raised beds, borders, curbs and walls. They lay crushed rock, gravel, paver and stone walkways, patios and courtyards, and build outdoor elements such as barbecues, firepits, patio covers, pergolas and pizza ovens. Many construct or install water features such as fountains, ponds and reflecting pools, and most offer ongoing maintenance services to keep your landscape looking its best in every season.
Landscape Designer
Landscape designers use a combination of listening, design and horticultural skills to translate your vision into reality. To accomplish this, they develop a cohesive landscape plan for reshaping or remaking the space. They create 2D and 3D renderings to illustrate the final result. They make recommendations about specific plants and develop planting schematics to guide installation. They analyze existing landscape elements and recommend materials and design features for new ones. Many offer project management services and oversee the job from concept to completion.
Landscape Architect
Landscape architects develop and manage residential, commercial and public landscape projects. Most focus on large scale makeovers, but some will tackle residential projects. In general, they seek ways to improve the form, function and flow of the land and existing structures. They a develop comprehensive site plan for an integrated approach, detail structural and engineering specifications for landscape enhancements such as paths and patios, structurally critical elements such as retaining walls and terraced hillsides. Some provide project management services and oversee the job from start to finish.
Read more about Landscape Professional at enlightenme.com
- Published in Landscape Professional
Here Are 7 Must-Not-Dos of San Diego Landscapes
Avoid the time-, money- and maintenance hogs of big landscaping mistakes. 7 must-not-dos of san diego landscapes.
1.) San Diego Landscapes for Privacy
Don't let landscaping overwhelm your house. Choosing varieties of trees and shrubs that are bred to grow to a particular size means you won't have to spend your time pruning — or fighting your way out the front door.
2). Stone Path Walkway
Don't start landscaping without a plan even if you intend to do the work in stages. A plant-by-plant detailed rendering isn't necessary, but do know where your hardscaping needs to go, allow room for access by delivery or work vehicles, and, where there's going to be heavy traffic, put plants in last.
3). Light Blue House and White Flowered Yard
Don't plant too much of the same thing. When these trees stop flowering, what will the landscape offer?
4). Landscaping Lawn
Don't let a big lawn suck your resources. A nice stand of lush grass is a time, water and nutrient glutton. Reduce the size of your lawn with landscape beds that feature attractive, low-maintenance perennials, shrubs and trees.
5). Ivy on the House
Don't let ivy climb your house unless you're ready to do annual pruning. The ivy vines may be beautiful, but once established, they can cover windows, gutters and beyond. They can also serve as bridges for pests, especially termites. And never let vines climb a frame house.
6). Exterior of Home with Large Trees
Don't plant trees too close to the house, and don't plant species that may overtake the yard or your home's proportions.
7.) Paver Stone Patio with Shrubs
Don't install one-dimensional planting beds. Plant in layers, with low-growing plants concealing the legginess of the taller plants behind. The small "facer" plants give you the chance to introduce plants of a complementary color and texture.
Read more about san diego landscapes at hgtv.com/
- Published in Landscape Design, Landscape Professional, Landscaping


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The Epistle to the Romans is the most formal and systematic of Paul's epistles. The main theme of Romans is that righteousness comes as a free gift of God and is receivable by faith alone. The Book of Romans stands at the head of the Pauline epistles because it is the longest of his letters, but it is also Paul's most important epistle. Repeatedly in its history, the church has found in this epistle a catalyst for reform and new life. The Epistle to the Romans, perhaps more than any single book of the Bible, has exerted a powerful influence on the history of Christianity.
Structure of the Epistle.
The Epistle to the Romans consists of two halves, a doctrinal section chaps. (1-8) and a practical section chaps. (12-16), separated by three chapters on the place of Israel in the history of salvation chaps. (9-11).
Paul declares his main theme in the first chapter-that the gospel is the power of salvation to everyone who believes (1:16-17). This declaration is then held in suspension until 3:21, while Paul digresses to show that all peoples are in need of salvation: the Gentiles have broken the law of conscience, and the Jews the Law of Moses (1:18-3:20).
Authorship and Date. There can be no doubt that Romans is an exposition of the content of the gospel by the strongest thinker in the early church-the apostle Paul. The epistle bears Paul's name as author (1:1). Throughout, it reflects Paul's deep involvement with the gospel. Paul most likely wrote the epistle during his third missionary journey as he finalized plans to visit Rome (Acts 19:21). His three-month stay in Corinth, probably in the spring of A.D. 56 or 57, would have provided the extended, uninterrupted time needed to compose such a reasoned commentary on the Christian faith.
Historical Setting. Romans was written to a church that Paul did not found and had not visited. He wrote the letter to give an account of his gospel in preparation for a personal visit (1:11). Paul wrote most probably from Corinth, where he was completing the collection of money from the Macedonian and Achaian Christians for the "poor saints" in Jerusalem. After delivering the money, he planned to visit Rome and, with the Roman's support, to travel to Spain. The epistle, therefore, served as an advanced good-will ambassador for Paul's visit to Rome and his later mission to Spain (15:22-33).
(from Nelson's Illustrated Bible Dictionary, Copyright © 1986, Thomas Nelson Publishers)
The above is a brief, but well written introduction to the Epistle to the Romans which we will study over the next several weeks. Please read this again and then turn to your Bible and read Romans Chapter 1. Romans is the most important Book on Christian Doctrine in the Bible and every believer in Christ should know something about it.
So now, let us take our time and in prayer and obedience open our minds and hearts to the study of God's word and the Doctrine from his Son Jesus the Christ as recorded in Romans. Please prayerfully and carefully read Romans 1:1-7, and then answer the following questions from our first Bible Study Assignment from Romans:
Who wrote the Epistle to the Romans? How do you know from Scripture?
When do you think the Epistle to the Romans was written?
In Verse 1, the writer calls himself "a servant of Jesus Christ." What does the word servant mean as used by the writer in Romans 1:1?
What does the writer mean when he says he was "called to be an apostle?"
What is an apostle as used here by this writer?
Is an apostle the same as a disciple? What's the difference?
What is the "gospel of God" or good news that is referred to in Verse 1?
What are the "Holy Scriptures" the writer is talking about in Verse 2?
Where do you find in the "Holy Scriptures" the promise of the Gospel that the writer is talking about in Verse 2?
What do you think the writer means when he writes in Verse 5 that he "received grace and apostleship to call people from among all the Gentiles?"
Who are the Gentiles he writes about in Verse 5?
In Verse 7, the writer addresses some in Rome as "saints." What is a saint in this context and do we have the same kind of saints today?


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What distinguishes us as servants of God in our workplace? Living the principles of the Kingdom of God and demonstrating a Christian character are minimum standards but there must be more than just reaping the fruits of our hard work. God is not limited to a pulpit in a church but where is the tangible evidence of a supernatural God who is with us every day at work?
"God With You At Work" will validate your call in your duties at work. It will propel you into a new world where you will experience more of your partnership with God in your daily activities. Andy's personal journey and other stories from real-life cases will break your definition of the word "Normal" at work and become a stepping-stone to even greater things.
The tangible presence of God is the distinguishing element that sets us apart. This is not an obligation but an invitation. Do you want it?


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When it comes to big Summer fun, Little Rhody does not disappoint. Whether you are planning a stay-cation or a looking for some day trip ideas, here are our top picks for things to do in RI in the Summer.
555 Waterfront Drive East Providence, RI
Kick off your Summer with live music by the waterfront. Bold Point Park, located on the East Providence waterfront has views of Upper Narragansett Bay and the Seekonk River, and overlooks the Providence skyline. In true RI fashion, this venue has it all.
With bands like Ben Folds, The Beach Boys, YES, and Josh Turner, there's a little something for everyone. Hit up their website for tickets and more info.
1000 Elmwood Ave, Providence, RI
It's a win-win for kids and parents: hit up the zoo for an hour or two in the afternoon and then head on over for the Food Truck Festival! Enjoy over 15 locally owned food trucks and local beer from Trinity Brewhouse, while listening to live music. See the full list of food trucks attending at https://www.foodtrucksin.com/carousel
Kids can ride the Carousel ($2), hop aboard the Carousel Train ($3), play at Hasbro's Boundless Playground for the kids (free!), and much more.
461 Main Street, Pawtucket, RI
July 11, 2019 5pm – 8pm
Home to brewing partners Narragansett Brewing Company, Newburyport Brewing Company, Devil's Purse Brewing Company, and Farmer Willie's Craft Ginger Beer, The Guild is a 131,000-square-foot brewing campus, including a 100-barrel brew house – the largest American-made craft brew house in the United States – and a full-service taproom. The taproom, located in the 100-barrel brew house itself, lets beer drinkers have a first-hand look at the brewing process – while they enjoy the finished products.
This special event, hosted by the Animal Print magazine and EGAPL Heart of RI Animal Rescue League is at The Guild on July 11th. Help them celebrate the launch of their new website http://www.theanimalprint.com and raise money for the league!
Enjoy free pizza, giveaways, live music, dogs, cash bar and a silent auction with amazing items! Bring along your best furry buddy, so he/she can join in the fun! Dog tickets are limited so register early if you would like to bring your pup!
Ocean Drive, Newport, RI
July 13, 2019 – July 14, 2019
The spray of colors across the sky along Ocean Drive in July at the annual kite festival is a sight to behold. Watch the coastal skies fill with dancing kites at the two-day Newport Kite Festival. Grab your family, pack a picnic and enjoy the sights – admission is free, held at Brenton Point State Park.
Beavertail Rd, Jamestown, RI 02835
Beavertail State Park, located in Jamestown, Rhode Island, is known for offering some of the most beautiful views along the New England coastline. The Park attracts people from all over the country, to enjoy its pristine environment. Beavertail's most popular activity is sightseeing and can be done from the comfort of a vehicle, in one of the four overlooks or on foot, from the rocky coastline. Beavertail also provides some of the best saltwater fishing in the area, along with offering hiking trails, and a naturalist program that attracts hundreds of people each year.
33 State St, Narragansett, RI
Take a tour with Frances Fleet and try to spot some whales off of the port of Galilee. You'll most often find beautiful finback whales, but perhaps also the majestic humpback, false killer, or pilot whale. Book your trip here.
378 Main St, East Greenwich, RI
August 22, 2019 5 PM – 8 PM
Main Street Strolls Taste of East Greenwich hosted by Besos Kitchen & Cocktails, features festive themes, showcasing local artists, musicians, and performers, attracting hundreds of visitors to each event. The strolls also offer a nostalgic shopping experience with shopkeepers staying open late for strollers to enjoy or stay and eat at one of the many dining spots on and around Main Street and the waterfront.
50 Old Hillside Drive Glendale, RI 02826
Take a trip to Spring Lake Beach for a uniquely awesome Summer beach day. The beach facility includes a floating dock, children's water slides, concessions, and a penny arcade with some of the oldest games in the country. Rent kayaks or sports equipment from the beach shop for some extra fun in the sun.


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Living Trusts & Wills
What your Living Trust Package ($499) will include?
1. Living Trust Document
- Basic Trust – lets family inherit your property without going through probate court
- Preparation of Trust Transfer Deed (additional CA Deeds are $120/each)
- NOTE: Deed Transfers other than in California are $150 (some restrictions apply)
- Customer is responsible for all County Recorder's Fees and for recording the documents.
2. Certification of Trust
- A shorter version of your Living Trust, primarily used to transfer property into your trust document
- Your Living Trust document must be completed and signed before the certification can be used.
3. Pour Over Will
- Leave property
- Name guardian to care for children
- Appoint adult to manage property for young children
- Name Executor (personal representative)
- Name alternate Executor
- Forgive debts to others
- Specify how debts and taxes will be paid
What your Estate Plan Package ($750) will include?
(Estate Plan Package includes items 1, 2 and 3 above, plus 4, 5 and 6 below)
4. Advanced Healthcare Directive (included in this Package OR $120 separately)
- If you are concerned about the kinds of medical treatment you may receive at the end of your life. Plus, HIPAA Release Authorization.
- Other issues concerning your natural death
- Consider appointing someone to carry out your wishes.
5. Durable Power of Attorney for Finances (included in this Package OR $120 separately)
- If you are elderly or in poor health, you may be concerned about who will handle your day-to-day
financial matters.
- A durable power of attorney gives a person you choose legal authority to manage your property
on your behalf if you become incapacitated.
6. Final Arrangements (included in this Package OR $120 separately)
- How will your family pay for your funeral?
- What will happen to you after your death?
- Do you prefer burial or cremation?
- What about the ceremony?
- Do you want one?
- Give wishes and desires
Trusts: An Overview
Trusts are estate-planning tools that can replace or supplement wills, as well as help manage property during life. A trust manages the distribution of a person's property by transferring its benefits and obligations to different people. There are many reasons to create a trust, making this property distribution technique a popular choice for many people when creating an estate plan.
Creation of a Trust
The basics of trust creation are fairly simple. To create a trust, the property owner (called the "trustor," "grantor," or "settlor") transfers legal ownership to a person or institution (called the "trustee") to manage that property for the benefit of another person (called the "beneficiary"). The trustee often receives compensation for his or her management role. Trusts create a "fiduciary" relationship running from the trustee to the beneficiary, meaning that the trustee must act solely in the best interests of the beneficiary when dealing with the trust property. If a trustee does not live up to this duty, then the trustee is legally accountable to the beneficiary for any damage to his or her interests. The grantor may act as the trustee himself or herself, and retain ownership instead of transferring the property, but he or she still must act in a fiduciary capacity. A grantor may also name himself or herself as one of the beneficiaries of the trust. In any trust arrangement, however, the trust cannot become effective until the grantor transfers the property to the trustee. Example: A grantor transfers money to a bank as trustee for the grantor's children, with the bank instructed to pay the children's college expenses as needed; the bank carefully manages the money to ensure there are funds available for this purpose. The children do not have control of the funds and cannot use the funds for any other purposes.
Testamentary and Living Trusts
Trusts fall into two broad categories, "testamentary trusts" and "living trusts." A testamentary trust
transfers property into the trust only after the death of the grantor. Because a trust allows the grantor to specify conditions for receipt of benefits, as well as to spread payment of benefits over a period of time instead of making a single gift, many people prefer to include a trust in their wills to reinforce their preferences and goals after death. The testamentary trust is not automatically created at death but is commonly specified in a will and so as a will provision, the trust property must go through probate prior to commencement of the trust.Example: A parent specifies in her will that upon her death her assets should be transferred to a trustee. The trustee manages the assets for the benefit of her children until they reach an age when the parent believes they will be ready to control the assets on their own. A living trust, also sometimes called an "inter vivos" trust, starts during the life of the grantor, but may be designed to continue after his or her death. This type of trust may help avoid probate if all assets subject to probate are transferred into the trust prior to death. A living trust may be "revocable" or "irrevocable." The grantor of a revocable living trust can change or revoke the terms of the trust any time after the trust commences. The grantor of an irrevocable trust, on the other hand, permanently relinquishes the right to make changes after the trust is created. A revocable trust typically acts as a supplement to a will, or as a way to name a person to manage the grantor's affairs should he or she become incapacitated. Even a revocable living trust usually specifies that it is irrevocable at the death of the grantor.
Transferring Assets
Irrevocable trusts transfer assets before death and thus avoid probate. However, revocable trusts are more popular as a means of avoiding the probate process. If a person transfers all of his assets to a revocable trust, he owns no assets at his death. Therefore, his assets do not have to be transferred through the probate process. Even though the grantor of the trust died, the trust did not die, so the trust assets do not have to be probated. However, trusts avoid probate only if all or most of the deceased person's assets had been transferred to the trust while the person was alive. To allow for the possibility that some assets were not transferred, most revocable living trusts are accompanied by a "pour-over" will, which specifies that at death, all assets not owned by the trustee should be transferred to the trustee of the trust.Example: Mark sets up a revocable trust, which states that on his death, his assets should be distributed to his children in equal shares. Mark transfers his house to the trust, but does not transfer some rental real estate he owns. At Mark's death, the trust can distribute the house outside of the probate process, but the rental real estate will have to be probated. Based on the will, the probate court will order the rental real estate be transferred to the trustee, who will then distribute it according to the terms of the trust.
Successor Trustees
Although a grantor may name himself as trustee of a living trust during his lifetime, he should name a successor trustee to act when he is disabled or deceased. At the grantor's death, the successor trustee must distribute the assets of the trust in accordance with the directions in the trust document. In many states, certain people must be notified at the death of the grantor. Source: http://estate.findlaw.com/estate-planning/trusts/trusts-overview.html (8/06)


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Today, the September/October 2016 issue of the German Arbitration Journal (Zeitschrift für Schiedsverfahren) landed on my desk. It contains, for the benefit of all non-German readers, an English translation of the judgment dated June 7, 2016 in the matter of Claudia Pechstein v. International Skating Union (see here for our earlier coverage on this blog).
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