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For young adults, having a good credit score is the ticket to financial independence. From securing an apartment to buying a car, a good credit score is a must. If you don't have credit or if your score isn't all that great, there are a few things you can do to quickly build your credit and increase your opportunities.
Here are 8 ways to quickly build your credit.
Get A Job First
This seems like a no brainer, but you'll need a job to get credit cards, lease an apartment and do all of the things you want to do. Getting the job is the first step towards building a credit history.
When you want to get a loan, they look at things like your credit and job history. Even if you have good credit but no income you won't be getting that loan. It doesn't matter as much where you work or how much you earn, but rather how long you've been with that employer.
Get A Secured Credit Card
It could be hard to qualify for a credit card if you have no credit or bad credit. If that's you, then a secured credit card is the way to go.
A secured credit card works like a regular credit card, but requires a deposit to get it. Usually the deposit is between $300 and $500, but the money put down will give the issuer the security they need to extend you credit. Beyond the deposit, a secured card works just like a regular credit card with monthly bills, minimum payments and everything else.
Once you've built up some credit history, you can then successfully apply for a credit card.
Pay The Entire Card Balance Each Month
Paying the entire card balance will help you look more responsible to creditors. It will also help boost your credit score in a relatively short period.
Be sure to use your credit card too, even if you don't have to. Just make a few small purchases each month and pay it off in full to help build your credit history faster.
Make Your Payments On Time
This seems obvious, but late payments will negatively affect your credit score. Late payments stay on your history for years, so it's best to get in the habit of paying on time.
If you need to rebuild your credit fast don't miss a payment or it will immediately impact your score. Those late payments you had last year are hardly hurting your score anymore, but a recent late payment will.
Create Automatic Payments
In order to ensure you make your payments on time, have your bills paid automatically. If you have the funds, yet are not great about remembering to pay your bills, creating automatic payments will ensure that all of your bills are always paid on time every time. You can set the payments up through your bank or through your credit card.
Apply For An Unsecured Credit Card
Now that you've taken the steps to have credit, it's now time to build up your credit and raise your score. After a year of good credit use, you should qualify for an unsecured credit card. If you have a bank that also issues credit cards, look to them first for an unsecured card.
Your first credit card is important and you should get one as early as possible. The longer history you have with a credit card the better your credit history will look. But you don't want your first card to charge a monthly or yearly fee.
The reason is that if you find a better credit card later with more perks and no fees you'll want to cancel your first card. Well that action will end up hurting your score. So find a credit card that at the very least has no monthly or yearly fees, even if it has a high interest rate and no rewards.
Limit Your Credit Applications
I know you're a bit anxious to get credit. But applying for too many credit cards or loans at once is a red flag to creditors. It can look like you're taking on too much debt at once which will actually lower your credit score rather than improve it. Regardless of whether you use the cards or not, having too many inquiries on your account at around the same time will drop your score.
Ask For A Credit Limit Increase
Once you've had your credit card for a while, it's now time to apply for a credit limit increase. If you have used your card responsibly and have no late payments, your odds are good of getting your limit increased.
Here's why it's good to get a credit limit increase, even if you don't need one. When the issuer increases your limit it creates a larger ratio of available credit to debt. This is called the credit utilization rate. The bigger the ratio is, the higher your credit score will be.


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Although not as romantic a vision as plodding through the countryside on a train, bus travel in Vietnam has become a cheap, quick and efficient way to get around the country. There are ever more private services catering specifically for the needs of tourists which link the major sightseeing areas.
These Saigon buses will often attempt to earn extra money by taking passengers to a specific guesthouse which pays commission. Nonetheless, they remain a cost effective way of getting around Vietnam with less changing and waiting around.
National buses in Saigon
Although most new tourist arrivals in Saigon arrive at the airport, many people arrive from or leave to other destinations in the country by inter-city bus which is faster than the country's train network.
There are several terminals for such Saigon buses, which are all a bit distant from the centre, but are connected by shuttle bus to Ben Thanh, which is just a few steps from the budget hotels around De Tham.
Mien Tay is 10kms west of the centre in An Lac district and serves all destinations to the south, i.e. the Mekong Delta. Mien Dong is five kilometres northeast of the city centre and serves all points north of Saigon. An Suong is the place to go for buses to Cu Chi or Tay Ninh (for the Cao Dai Temple), and is also located west of the centre.
Private buses from Saigon
Though these national bus services are reasonably efficient and the fleet is constantly being upgraded, the reality is that few foreign visitors use them, as private Ho Chi Minh City bus services offer similar prices and greater convenience. Plus they go directly from one tourist spot to another, saving unnecessary connections and waiting time.
These 'open-tour' buses are operated by tour operators such as Sinh Tours (161 Pham Ngu Lao str, Dist 1, tel: +84 839 206 541-2, fax: +84 838 360 858) and Kim Tours (Tel: +84 491 24 340) and offer fixed seats and departure times, and the great majority arrive at and depart from De Tham in the heart of the budget district.
An added bonus of the open-tour Saigon buses is that they make brief stops at major roadside attractions, such as the Po Klong Garai Cham tower near Phan Rang. Some open-tour buses are sleepers, making long-haul rides more bearable. There are also international services connecting Saigon with Phnom Penh in Cambodia that pull up in the budget district as well.
Fares on Saigon buses
Examples of open-tour bus fares are as follows; Saigon – Nha Trang US$12, Hue – Hoi An – Nha Trang – Da Lat – Saigon US$34, Hanoi – Hue US$14, Saigon – Phnom Penh US$14. You can specify on which dates you plan to use which stages of the journey, or you can leave it open, though this way you may find it full on the day you'd like to leave.
Warnings for Saigon buses
There are a couple of things to beware of when buying open-tour tickets for buses in Ho Chi Minh City, Firstly, some passengers are occasionally sold fake tickets, so it's best to buy directly from the company that operates the bus.
Secondly, they usually drop you off outside a hotel or guest house that they operate in each location, leaving you a long walk if you want to stay somewhere else. Overall, however, most travellers find this service reasonably efficient and convenient.

subset: commoncrawl


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Suicide Squad director David Ayer has refuted the rumor that reshoots for the upcoming film are to add more humor.
Speaking on Twitter, the director called the speculation "silly."
#SuicideSquad "reshoots for humor" is silly. When a studio loves your movie and asks what else you want, go for it! #ThanksWB #moreaction— David Ayer (@DavidAyerMovies) April 11, 2016
Ayer's comment on adding more action to the film syncs up with what Jai Courtney, who plays Captain Boomerang, said last week.
"I wouldn't say we're going back to make it funnier. There's some additional action stuff that we've been doing which is pretty dope, really we're just kind of adding in that sense," said Courtney.
Suicide Squad is set to release on August 5, 2016. For more on the anti-hero film, be sure to read what Jared Leto thinks about past Joker actors and the character's legacy.
Michael Passalacqua is a freelance writer for IGN. Chat with him about the New York Giants' offseason spending spree on Twitter @mikepass20.


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VitraDual Aluminium Cladding is an A1 rated, non-combustible, high impact resistant solid panel providing exceptional durability and mechanical benefits.
VitraDual is designed to provide a non-combustible aluminium panel solution that can be fitted as both cassette panels and flat sheets with no oil-canning appearance which offers a cost effective non-combustible and aesthetically please alternative to other flat sheet panel systems. VitraDual works with our existing cladding panels Vitrabond when required
The system uses a 2mm or 3mm non-combustible aluminium cladding panel which is a durable, impact resistant solid panel which can be prefabricated through curving, rolling or perforation.
VitraDual uses the Vitrabond/Vitracore PVDF coating system which boasts superior quality and our full colour matching range as well as RAL colours, stone and wood effect finishes. VitraDual cladding panels are prefinished which means they do not need fabrication prior to the coating process. This is unlike standard powder coated systems and means we are able to provide reduced lead times of 6-10 weeks, reduced damage and lower costs.
Key Features
Lightweight – Vitradual is incredibly rigid and lightweight and is therefore also easy to install.
Non-combustible – A1 rated to EN13501-1
Versatile – Vitradual can be custom designed into a wide range of shapes and dimensions as well as able to be perforated or curved in some
applications making it a versatile design choice.
Maintenance- easy to maintain compared to polyester based coatings.
High Durability – Vitradual panels are highly durable and impact resistant. They can be used effectively in high traffic areas.
Paint System – Vitradual only use the highly recognised PVDF KYNAR 500 or FEVE paints known for their high durability, providing the optimum resistance to weather and industrial pollutants.
Warranty – Vitradual has a 15 year warranty, extensions are available on request.
Extremely Flat – Low Surface Stress
Fire Testing
VitraDual is one of the few large format cladding panels that are truly 100% non-combustible achieving A1 to EN13501-1. Also tested to BS8414-2 for fire performance of external cladding systems and compliant to BR135 requirements, VitraDual gives the insurers, architects, contractors and building owners peace of mind on product specification.
|Test Standard
|A1 / Non-combustible
|Pass / Compliant
What Does A1 Rated Mean?
Class A1 – Products are described as having no contribution to fire at any stage. BS EN 13501 sets several thresholds for combustion performance when tested to both EN ISO 1716 and EN ISO 1182. One of these thresholds is a maximum heat of combustion of 2MJ/kg. Typical products meeting this classification include most inorganic materials such as stone.
Vitradual only uses the highly recognised PVDF KYNAR 500, or FEVE coating systems known for their high durability. These premium paints provide an optimum resistance to weather and industrial pollution.
Colour Availability
Vitradual is available is a wide range of colours and finishes, see our extensive colour charts here.
Custom Colours
Vitradual is also available in textured finishes to mimic natural surfaces such as stone, giving a further dimension to any project.
Custom sizes are available, Please speak to the Valcan team
|Weight (KG/M2)
Typical Panel Composition
- Protective film
- PVDF-Kynar 500 coating system
- 2mm or 3mm aluminium
The material is rigid, resistant to blows, breakage and pressure, and has high bending, buckling and breaking strengths.
Fixing Details
There are two main methods for fixing Vitradual cladding. These are the Cassette Fix and the Rivet Fix Methods. You can see the main differences in the two build ups shown below.


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26 Jun Working with a Selling Web site Layout
Once developing your eCommerce internet site, keep in mind there are three activities in an net purchasing experience. First, a client must look for the item he can looking for with minimum likely effort. Second, you must present the item well. Third, you need to close the cope with a great check out method. E-commerce coping with an Ecommerce Website Design www.swsdermatology.com.au
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You are here: Home / Shop / Cookie Product / CookiePic® BFF
CookiePic® BFF
Rated 5.00 out of 5 based on 1 customer rating(1 customer review)
A CookiePic® is a cookie cake that includes your selected image and text. This product is hand decorated with up to three icing colors and your image (think clip art or coloring page). Can't pick just one cookie cake flavor? Our CookiePic® BFF lets you choose two delicious flavors in a single cookie cake.
Categories: Cookie Product, CookiePic BFF Tags: Cookie Cakes, Image & Text


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Vintage Gray Love wall decor
$24.95 – $25.95
This vintage gray "Love" sign is so simple, yet makes a very bold statement. This board is the perfect size for any collage wall in your home. Board in picture is 17″ x 14″
Additional information
|4 lbs
|18 × 4 × 21 in
|Stain Options
As Configured, Black Cherry, Classic Gray, Dark Mahogany, Dark Walnut, Early American, Ebony, English Chestnut, Espresso, Golden Oak, Honey, Jacobean, Kona, Mocha, Modern Walnut, Moorish Teak, Provincial, Puritan Pine Stain, Red Chestnut, Red Oaks, Rosewood, Special Walnut, Weathered Oak
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Our Service
For more than 20 years, when homeowners have needed a professional tree service in Northern NJ they have turned to Trusted Tree Services in Wayne NJ. Our team offers a broad range of tree care services in Passaic County NJ, Bergen County NJ, Morris County NJ, Essex County NJ and surrounding communities.
Tree Removal Service West Milford NJ
Making arrangements for regular tree service and care by a licensed and insured contractor for tree service in Passaic County NJ is crucial to not only make certain your trees are healthy and look their best, but additionally to safeguard your family and property. Neglecting professional routine tree cutting, pruning and trimming can lead to diseases and insect infestations that will incur a significant tree removal cost. Many people are tempted to take care of their own tree cutting and tree maintenance tasks, but this often results in unforeseen issues. In the event that you neglect to correctly trim the tree, they're left vulnerable to diseases and rot, which results in premature tree removal. The tree's internal structure is going to assist in determining which way it will fall, which is another reason why hiring an expert is crucial. Every year, homeowners who miscalculate the direction a tree or large limb is going to fall when they are performing their own tree cutting incur serious injuries. To keep you, your family, and your trees safe, it's in your best interest to contract with a highly reputable and experienced tree removal service in West Milford NJ, like Trusted Tree Services.
Tree Service West Milford NJ
If you choose to employ a recognized and highly recommended tree removal company in Passaic County NJ, you're making an investment that brings many returns. By directing the tree's nutrients, seasonal pruning and other kinds of tree cutting service will make your trees appear more lush, enhancing their natural attractiveness. Moreover, proper tree cutting removes limbs that have weakened because of age or storm damage, preventing them from falling and causing injury. Many homeowners can tell you horror stories regarding tree removal companies they've hired who have done more damage to their trees than good, or overcharged them. If you want to engage a tree service company in West Milford NJ you're able to count on, all you have to do is call us at Trusted Tree Services.
Tree Removal West Milford NJ
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Tree Service Company West Milford NJ
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Tree Removal Company West Milford NJ
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SeThey removed 11 overgrown shrubs, shredding them on site. These shrubs were approximately 10-15 ft. tall. The process went very smoothly and in a orderly fashion. Care was taken when removing the shrubs not to interfere with power lines on property, etc. The clean up afterwards was quick and efficient, removing all branches and debris.
Mr. G., Pompton Plains, NJ
The crew that took down my massive tree worked like a well oiled machine. The day they took down that monster was not a nice day. They worked thru the pouring rain without complaint. In my estimation you could not find a more diligent crew.
If you need tree work done, these are the guys and gal you want to work for you.
The tree top guy was awesome (nerves of steel) and the crane operator was an artist, he really knows what he is doing. This is definitely the A team.
Mr. B., Wayne, NJ
I'm letting you know that I was extremely pleased with the job that was done by your company.
The service men that came were very pleasant and very good at what they were doing.
They took precautions with the surrounding area to make sure nothing would be damaged.
They came the time they said they would come and the job was done in a timely fashion.
An extremely professional group of people.
I would highly recommend your services to anyone looking for a good dependable tree service


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Sheri Fitts has more than 25 years of experience in digital leadership and brand marketing. As the founder of ShoeFitts Marketing, she has helped thousands of advisors and industry influencers convey their messages, create meaningful connections, improve sales performance and scale their digital leadership. Ms. Fitts regularly speaks about digital marketing and social media at financial services industry events, has been quoted in numerous publications and is the author of Deconstructing Digital. She has received awards and recognition from the Plan Sponsor Council of America, the National Association of … [Read more...]
Archives for May 2018
191 – Travis Thomas – Improv Comedy Skills For Business
After 20 years of performing hundreds of improv comedy shows across the country, Travis Thomas has learned that the same principles that apply to improv comedy also apply to business, mental, and leadership skills. As an author, speaker, coach, improv comedian, and the Founder of Live Yes And!, Travis has been helping businesses and athletes apply the cornerstone improv mindset - "YES And!" - to succeed in life and business for the last 10 years. In the world of improvisation, "YES, And" means accepting whatever is being given to you, and then responding and building on that reality. Most of us live life in denial – saying "no" to reality. This leads to a life unfulfilled and lived in … [Read more...]
189 – Adam Anderson – Cyber Security Attacks And Your Defense
Adam Anderson is a long-time small business owner who also happens to be one of the leading authorities on small business cyber security. He is a serial entrepreneur, author, and founder and Chairman of Palmetto Security Group (PSG), an IBM Premier Cyber Security Business Partner. He recently launched Anderson Security Group. With 20 years in cyber security, and 13 as a small business owner, Adam is positioned to understand both sides of the cyber security equation in a way most aren't. Adam got tired of answering all his business owner friends' questions about cyber security, so he co-authored a book … [Read more...]
190 – Scott Alan Turner – From Money Moron To Financial Rockstar
Scott Alan Turner is the Financial Rock Star, who went from a "money moron" at age 22 to self-made millionaire 13 years later. Scott is an early retiree who spends his time helping people get out of debt faster, save more money, and retire rich. He is the radio and podcast host of the Scott Alan Turner Show, and best-selling author of 99 Minute Millionaire. Today, Scott will show us the pathway to better financial success. He will teach us strategies on how to handle your finances wisely. Also, he will give us tips on ways to be 100% debt-free. [2:48] Scott's entrepreneurial journey [3:58] His strategies to handle money … [Read more...]


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We're Back!!Caroline Fenton
Keeping some of the old, and bringing in the new… We're back!
Hi fam bam… we have returned and we're more excited than ever to bring you a whole new level of Avidiva loveliness!
We have a brand new spanking site in the pipeline… as well as a gorgeous new logo… but don't worry, it's not all change and flash whiz bang stuff, we're still bringing you the best of the bunch, handpicking the cutest of the cute and wrapping them up for your little ones to love and treasure.
So where have we been?
We have been offline for 5 whole weeks… a pretty long time (and it's flown by so quick!) but hopefully time well spent so we can be back brighter and fresher than ever to bring you our best Avidiva collection so far. We've packed up our family, our house, our much loved stock, and not only just moved our home and biz, but also skipped town too. So we flew to Perth, one bag each, entire house packed, Tony (the cat!) in boarding, and started house hunting… with a timeframe… of one week!! No pressure then mum (!!) We spent a week toing and froing, dodged a bad neighbour bullet, had a near miss with a grumpy landlord but finally managed to sign on the dotted line just hours before our deadline… and before we flew to Portugal for a wedding!
We spent a lovely 5 days in Lisbon… highly recommended, super fun city to sight see, tram hop, and sangria drink! Not so easy to navigate the hills, steps and narrow paths with a pram, but good fun to try! Then we headed north to stay for 5 days at my best friend's wedding venue… she's from England, lives in Sydney, and planned a wedding in Portugal (must have been bored hey!?) Anyway it was well worth it, completely beautiful… the setting, the weather, the venue, all just perfect (and I loved being a bridesmaid, getting all dressed up, having a gorgeous bouquet and being pampered just a little bit!) We also managed to sneak in some time to see my parents which was super lovely and much needed, plus always handy for a bit of babysitting too!
Homeward bound (always a longer than expected and mega tough journey!) we then spent a few days in a temporary place, had our cars delivered, adjusted to the time zone (yuck, jetlag!) before getting the keys for our new place first thing Monday morning! Phew! After a few hiccups (the stormy weather blowing open the bi-fold doors and all the rain coming in!!), all our stuff (and lovely stock) was moved in Tuesday, and Wednesday we were officially in!! Then the cleaning and unpacking commenced… and went on, and on, and still is ongoing! Even so, I've decided to bite the bullet and open up shop again (just because I miss it and my avidiva family too much!).
So here we are… a new place, a new chapter, a new neighbourhood to explore. For avidiva too, all of this, plus also a new look and feel, a refresh, an update and a soon to be a new site! So crack open that champers and have a glass with us… here's to keeping some of the old, and bringing in the new!
P.S Jump on over to instagram for a discount code – super quick – only valid til tomorrow, yup, Friday! Just a little welcome back pressie from us to you :)


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Shropshire, St George's Church Telford
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DAVIES, Damian Jonathan
Cdo. Log. Regt.
Marine Damian Davies, Landing Force Support Party (LFSP), died as a result of a suspected suicide bomb attack south of Sangin, Afghanistan. At the time of his death he was on patrol with X-Ray Company, 45 Commando Group, Royal Marines. The company was conducting an operation alongside Afghan National Army troops to dominate areas posing a dangerous threat to British forces and the local Afghan population.
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Galaxy and Universal Electric Blinds
Motoring your outdoor blinds makes for easy use and prevents bending down low or reaching up high. Fully automated outdoor Nu Style Blinds can be controlled by the click of a button from any location in your home allowing you easy control and adjustment to your outdoor lighting and ventilation. Each 240v tubular motor contains an inbuilt receiver that emits a signal that the wireless handset can pick up. Our wireless handsets come with the option to control single or multiple blinds from the same controller.
Benefits include:
Our team are available via phone to answer your enquiries during business hours on 1800-861-335. Alternatively submit a quote request using the form below and one of the team will get back to you usually within 1 business day.


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Marital Relationships: with Chana Epstein
|Finding a Mate
|Finding a Mate
How about couples dating seriously? What you have to say would be a big help to them in preparation for the future! You have wonderful ideas, Keep it up! I would like to see you try what I suggested, even if it is for girls who are dating seriously only. Preparation is the key to success!
It is extremely important to listen carefully to Chana Epstein and follow her advice If you want to improve and generate a happier and more serene marriage. Keep it up, Chana.
Mrs Epstein, I am dealing with the same thing exactly exactly!
I 've been married almost a year now and I will have to take upon myself this as a celebration for our shana rishona (first year of marriage) end which will be the 14th of Kislev!
Mrs. Chana Epstein I have been and am and hope to continue to be lucky enough to be blessed to hear and experience Chana's advice and "pearls of wisdom" on a regular basis because she is my friend. Her advice , and insights into relationships are amazing, and the secret is to get her to tell them to you. When she speaks to women, they just can't get enough of her. She is amazing.
10-14 days It should be 12-14 days


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Sale price
Regular price
Take a walk on the wild side with this flirty and feline johnny collar dress with a leopard-print finish. Tie up the waist tie to clinch in your waist and a roll up sleeve for a more relaxed look.
Fabric: Viscose
Care Instructions: Cold Machine wash. Do not bleach, soak or rub.


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The experiment that went wrong
Children's version of "Rick and Morty" room
A gifted, eccentric and drunk scientist experimented and lost the antibody!
He needs you to help him make a new antibody.
Will you be able to prepare the antibody before his family returns home and find out what he did?
Number of players: 2-8
Entrance into the adult version up to age 14 accompanied by an adult, the entrance to the version of children up to age 12 accompanied by an adult - By appointment only!
bar ilan 12 herzliya
מחירים והנחות חדר בריחה הניסוי שהשתבש
pay attention:
Reservation will be resubmitted and confirmed after payment of NIS 100 down payment - to be deducted from final payment
Cancellation of an order is given up to 24 hours before the date of the appointment, With such cancellation, the company will charge a cancellation fee of 5% of the value of the charge.
Change of game time -is possible about 4 hours before the game otherwise the change will be considered cancellation.
Please read the cancellation and advance policy carefully before order.


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x Ricostru Sunglasses
$ 172.00 $ 215.00
These black tranlucent striped acetate and steel sunglasses from Percy Lau x Ricostru feature a reflective silver single lens, bridge supports, and a super-thin frame. This item comes with a protective case.
Total Width: 6.3in (16cm)
Lens Diameter: 5.5in (14cm)
Bridge Width: 1in (2.54cm)
Arm Length: 5.9in (15cm)
Composition: 100% Acetate, 100% Surgical Grade Steel
Item ID: LAU201901004
Made in China.
Contact us
- By email
- By phone +1 (323) 968-1157


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The garden in the city heights neighborhood was created by the immigrant and refugees. Key goal of the farming is to provide greater access to fresh and healthy food and vegetables. The Community growing fresh produce and plants, Community encourage understanding and awareness of environment. Sure newest program connects local fruit owners to local food pantry at the IRC and Root works to:
- Promote small, family farms and local food businesses.
- Encourage events that strengthen the local food circles
- Grow our own food and help others who want to grow their own food.
Location: 54th Ave. & Chollas Parkway, San Diego, CA 92105


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Getting rid of the dotted border around links the right way
I heard Patrick H. Lauke from Opera speak at the FOWD Tour Glasgow on Keyboard Access Essentials and today's 24 Ways article (which I hope everyone is reading) by Patrick does a great job of summarising one of the key points that he spoke about.
Removing the dotted line that occurs around clicked links in Firefox and Internet Explorer can be achieved with one super simple CSS rule
:focus {outline: none;}. The big problem is accessibility, people using anything other than a mouse need
:focus to see where they are within the page. Patrick's solution to this problem is simple, and what I really took away from his article is that I should be applying
:hover styles to
:focus as well, something I have been neglecting to do.
Read Patrick H. Lauke's Don't Lose Your :focus at 24 ways →


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Quercus alba × virginiana
[unnamed hybrid]
Show All
Show Tabs
hybrid oak
Doug Goldman. Provided by
USDA NRCS National Plants Data Team (NPDT)
. United States, NC, Guilford Co., Greensboro. October 22, 2011.
Usage Requirements
Subordinate Taxa
Legal Status
Wetland Status
Related Links
Description of Values
White oak, eastern white oak, chêne blanc
Trees , deciduous, to 25 m. Bark light gray, scaly. Twigs green or reddish, becoming gray, 2-3(-4) mm diam., initially pubescent, soon glabrous. Buds dark reddish brown, ovoid, ca. 3 mm, apex obtuse, glabrous. Leaves: petiole (4-)10-25(-30) mm. Leaf blade obovate to narrowly elliptic or narrowly obovate, (79-)120-180(-230) × (40-)70-110(-165) mm, base narrowly cuneate to acute, margins moderately to deeply lobed, lobes often narrow, rounded distally, sinuses extending 1/3-7/8 distance to midrib, secondary veins arched, divergent, (3-)5-7 on each side, apex broadly rounded or ovate; surfaces abaxially light green, with numerous whitish or reddish erect hairs, these quickly shed as leaf expands, adaxially light gray-green, dull or glossy. Acorns 1-3, subsessile or on peduncle to 25(-50) mm; cup hemispheric, enclosing 1/4 nut, scales closely appressed, finely grayish tomentose; nut light brown, ovoid-ellipsoid or oblong, (12-)15-21(-25) × 9-18 mm, glabrous. Cotyledons distinct. 2 n = 24.
Flowering in spring. Moist to fairly dry, deciduous forests usually on deeper, well-drained loams, also on thin soils on dry upland slopes, sometimes on barrens; 0-1600 m; Ont., Que.; Ala., Ark., Conn., Del., Fla., Ga., Ill., Ind., Kans., Ky., La., Maine, Md., Mass., Mich., Minn., Miss., Mo., Nebr., N.H., N.J., N.Y., N.C., Ohio, Okla., Pa., R.I., S.C., Tenn., Tex., Vt., Va., W.Va., Wis.
Considerable variation in depth of lobing occurs in the leaves of Quercus alba (M. J. Baranski 1975; J. W. Hardin 1975); the species is easily distinguished from others, however, by the light gray-green, glabrous mature leaves and cuneate leaf bases.
In the past Quercus alba was considered to be the source of the finest and most durable oak lumber in America for furniture and shipbuilding. Now it has been replaced almost entirely in commerce by various species of eastern red oak (e.g., Q . rubra , Q . velutina , and Q . falcata ) that are more common and have faster growth and greater yields. These red oaks also lack tyloses and therefore are more suited to pressure treating with preservatives, even though they are less decay-resistant without treatment.
Medicinally, Quercus alba was used by Native Americans to treat diarrhea, indigestion, chronic dysentery, mouth sores, chapped skin, asthma, milky urine, rheumatism, coughs, sore throat, consumption, bleeding piles, and muscle aches, as an antiseptic, and emetic, and a wash for chills and fevers, to bring up phlegm, as a witchcraft medicine, and as a psychological aid (D. E. Moerman 1986).
Numerous hybrids between Quercus alba and other species of white oak have been reported, and some have been named. J. W. Hardin (1975) reviewed the hybrids of Quercus alba . Nothospecies names based on putative hybrids involving Q . alba include: Q . × beadlei Trelease (= Q . alba × prinus ), Q . × bebbiana Schneider (= Q . alba × macrocarpa ), Q . × bimundorum E. J. Palmer (= Q . alba × robur ), Q . × deami Trelease (= Q . alba × muhlenbergii ), Q . × faxoni Trelease (= Q . alba × prinoides ), Q . × jackiana Schneider (= Q . alba × bicolor ), and Q . × saulei Schneider (= Q . alba × montana ).
Baranski, M. J. 1975. An Analysis of Variation within White Oak (
Quercus alba
L.). Raleigh. [North Carolina Agric. Exp. Sta. Techn. Bull. 236. Raleigh. Hardin, J. W. 1975. Hybridization and introgression in
Quercus alba
. J. Arnold Arbor. 56: 336-363.
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A variety of organizations and individuals have contributed photographs to CalPhotos. Please follow the usage guidelines provided with each image. Use and copyright information, as well as other details about the photo such as the date and the location, are available by clicking on the
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Jeremy Ward
Portland, OR
I'm a serial entrepreneur, technology junkie, backpacking fiend, and all around lover of pubs and other watering holes.
Portland Ruby Brigade
The Portland Ruby Brigade is a user group for Ruby programmers in the Portland, Oregon area. We're a friendly group that freely shares knowledge about the Ruby programming language, its libraries and frameworks, such as Ruby on Rails.


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From Snow to Flow: Exploring Relationships Between SNOTEL Ablation Curves and Peak Streamflow Timing
Publication Date
Date of Final Oral Examination (Defense)
Type of Culminating Activity
Degree Title
Master of Science in Hydrologic Sciences
Major Advisor
James P. McNamara, Ph.D.
Alejandro N. Flores, Ph.D.
Hans-Peter Marshall, Ph.D.
Predictions of peak streamflow timing in snow-dominated river systems are essential for proper water management and recreational availability. This study evaluates historic snow and streamflow data from 14 river basins throughout Idaho to investigate the relationship between snowmelt timing at SNOw TELemetry (SNOTEL) sites and peak streamflow within each basin. The goal is to provide a simple operational tool that estimates the probability of peak streamflow occurring within a certain number of days as ablation progresses from 0 to 100% melted. For individual basins we evaluate meltout levels in increments of 10% from each SNOTEL site and use a probabilistic modeling approach to create cumulative distribution function (CDF) curves which illustrate the probability of peak streamflow occurring within a given number of days from the date at which the SNOTEL site reaches each meltout percentage. Results from the CDF probability model graphs also provide basic information about basin specific anecdotal indices or "rules of thumb" for when peak streamflow will occur based on the average percent meltout at the time of peak streamflow. Compiled historical datasets with summary statistics for 54 SNOTEL-streamgage pairs of multiple snowmelt and streamflow metrics add to the body of knowledge of hydrologic processes for basins throughout Idaho. In addition, our analysis reveals how melt timing has a greater influence on the timing of peak streamflow than does the timing or magnitude of maximum accumulation (max SWE) and how the larger snowpack (magnitude of max SWE) often have few lag days between each meltout percentage and peak streamflow.
Recommended Citation
Ferguson, Kara Jane, "From Snow to Flow: Exploring Relationships Between SNOTEL Ablation Curves and Peak Streamflow Timing" (2018). Boise State University Theses and Dissertations. 1426.


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Alexandra Tosto / Mailys Bages / Agata Kosel
When they're worn like this, I call them spacer rings, but maybe this one should be the outerspacer ring. "Parallel Universes" in silver and garnet by UK designer Alexandra Tosto.
"Labyrinthe" spacer ring from French jeweller Mailys Bages.
And the "Duo" ring makes three! Ring by the UK's Agata Kosel.
Bonus link:
Here's a fourth spacer ring, in sterling and amethyst, from UK silversmith Shaun Grace. Be sure to also see his sleek vessels.
Even more jewellery:
- LZZR Jewelry (California) - two-finger rings
- Seulgi Kwon (South Korea) - stunning organics
- Rocaille (Vancouver) - reworked vintage


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Juanita Broaddrick
Journalist E. Jean Carroll is making sexual assault allegations against President Donald Trump, dating from the mid-1990s. Initially many journalistic outlets held off reporting her claims, which caused anger in left-wing social media circles. The New York Times editor-in-chief Dean Baquet has issued a groveling apology for not giving the thin allegations more intense play. The Times had a far different reaction in 1999, after Juanita Broaddrick came forward with her story of being raped by Bill Clinton. When it was Clinton being accused, the paper lamented the rush to judgement by other outlets. When it's Trump, the paper's editor lamented his own paper's failure to rush to judgement.
New York Times writer Amanda Hess issued surprise criticism of the media's coverage of Bill Clinton's sex scandals in her review of The Clinton Affair, A&E's six-part mini-series on Bill Clinton's scandal over White House intern Monica Lewinsky. Hess argued that the women who accused the former president of sexual harassment were unjustly mocked and shunned by the mainstream press: "Paula Jones Re-emerges In New Light – A time to listen to the women of the Bill Clinton scandals." It's sound advice from Hess, but 20 years too late for the partisan New York Times, which dismissed Juanita Broaddrick's credible allegations of rape against Clinton as "toxic waste.
Michelle Cottle, the lead New York Times editorial writer for national politics, issued a surprising signed lead editorial in Thursday's edition, "Hillary Clinton's Master Class in Distraction" (perhaps a quasi-lead editorial, as it carries the paper's "Editorial Observer" tag, but it is in the regular editorial slot). Cottle actually mentioned respectfully the case of Juanita Broaddick, who credibly accused then-Arkansas attorney general Bill Clinton of raping her in a hotel room in 1978.
Almost 18 years after former Democratic President Bill Clinton left office, liberal actress and activist Alyssa Milano finally admitted on Thursday's Cuomo Prime Time that sexual assault charges against him should have been taken more seriously, although both she and CNN host Chris Cuomo avoided words like "rape" or "sexual assault" in referring to the accusations.
During the past three weeks, Supreme Court nominee Brett Kavanaugh has received a deluge of news coverage accusing him of vile crimes, including attempted rape and even organizing gang rapes. While these charges did not originate with the news media, the lack of satisfactory corroborating evidence should have caused ethical reporters to refrain from gratuitously repeating allegations that painted Kavanaugh in a monstrous light. But this is not what happened.
Hillary Clinton, on last night's Rachel Maddow show, insisted that the FBI investigate Christine Blasey Ford's rape accusation against Judge Brett Kavanaugh – which is pretty audacious considering that's something Juanita Broaddrick never got. Broaddrick noticed and called out the former First Lady on Twitter. Of course Maddow never brought up the obvious hypocrisy, as she never even mentioned Juanita Broaddrick's name to Clinton.
The erupting charges of "attempted rape" against Brett Kavanaugh when he was 17 show just how shameless the Democrats and the "Facts First" media have become. They are promoting charges where the accuser can't remember when or where it happened. That is enough to stop a Supreme Court nomination?
In light of the recent accusations against Les Moonves, Last Week Tonight host John Oliver found it his duty to address workplace harassment and to help resurrect an old liberal hero. On his July 29 show, after giving his own thoughts about sexual harassment, Oliver turned to the person he said "kickstarted" the conversation about workplace harassment back in the 90s; this was none other than Anita Hill who accused Clarence Thomas of sexual harassment after he was nominated to the Supreme Court in 1991.
The news media's obviously insatiable appetite for scandal news surrounding Republican President Donald Trump is sharply at odds with their aversion to covering such stories about Democratic President Bill Clinton two decades ago. From March 7 through March 25, the ABC, CBS and NBC evening newscasts aired 23 reports about various allegations involving President Trump, totaling 40 minutes of airtime. None of Clinton's accusers ever had that kind of media attention lavished on their claims.
Donald Trump is not the first President to have been accused of sexual improprieties. When President Bill Clinton faced allegations of sexual harassment from Paula Jones and even a rape charge from Juanita Broaddrick, the media looked for reasons not to cover those charges.
On his Fox News show on Thursday night, Sean Hannity underlined an obvious point about the current push to publicize "adult entertainment" providers like Stormy Daniels and Karen McDougal and their allegations of (consensual) adultery with Donald Trump before he was president. The networks were extremely reluctant to publicize allegations of sexual harassment and even sexual assault when the accusers were talking about a Democrat president. Hannity cited Media Research Center data from the 1990s.
Former New York Times executive editor Jill Abramson is going on another Nineties Revisionism Tour of the Hill-Thomas debates in New York magazine, calling for Clarence Thomas to be impeached over unproven sexual harassment allegations. Here's how you may quickly evaluate whether Abramson is in any way qualified to judge the character of public officials, as opposed to just carrying water for the Left: A Nexis search of The New York Times over the last 20 years for "Jill Abramson" and "Juanita Broaddrick" turned up ZERO entries.


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Alicia Parrish, Patrick Kelley, Kaylin Smith, and Yan Cong presented their poster, "Prosodic lengthening and boundary prediction in nominal compounds: An ERP study" at the Society for Neurobiology of Language, which took place in Baltimore, Maryland November 8-10th, 2017.
2The Michigan State University Neurolinguistics Lab is located in B418 Wells Hall. We feature a 64 channel EEG system for ERP research as well as facilities for behavioral studies. Stop by and say hello or contact us for more information about the lab.
Lab meetings are held weekly on Fridays at 1pm in B410 Wells Hall.
September 2018


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Every season the New Hampshire Boat Museum has one or more exciting and unusual exhibits that will pique your interest.
Racing on the Waterways of New Hampshire
Every boat that has been made is essentially a race boat. Anytime you get two boats together, side-by-side you've got a race.
-Donnie McLean, Co-founder Wolfeboro Vintage Raceboat Regatta
Racing on the Waterways of New Hampshire celebrates the history of boat racing across New Hampshire featuring different sizes and types of vintage and contemporary raceboats.
Come see for yourself
This coming September 13 and 14, you can see for yourself vintage raceboats in action during the Vintage Raceboat Regatta on Wolfeboro Bay.
The 2019 exhibit was produced in partnership with the South Shore Outboard Association (SSOA).


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I had created a UltraGrid that had a hidden field that holds a rowid value. I was having a problem of converting the string value I was getting from the cell back to a rowid value. What I found was that I had to trim the returned string value before converting it to a rowid. See the code sample below.
cRecordRowid = ultraGrid1:ActiveRow:cells:Item:value
rwRecord = TO-ROWID(TRIM(cRecordRowid)).
MESSAGE cFrameClass cRecordRowid STRING(rwRecord) VIEW-AS ALERT-BOX.


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So, here are my Step One hourglass units: 220 of them. Actually I need 4 more - I dropped them, and they didn't get in the photo!! LOL.
My colors are pale yellow for the neutral background, lime green, navy blue, and the rust that you see in the little units... It's my most adventurous color choice, so we will see how it works out!
Tomorrow is the day for the cleaning lady - so for one short moment, all the little "bits" of fabric and thread will be picked up off the floors... except for the sewing room, which I do not allow her to clean - or should I say I don't allow her to SEE !! Too much stuff everywhere to have her try to clean - once in a while I vacuum and dust...
I am SOOO looking forward to Thanksgiving. DH will be working (you know, he is one of those wonderful medical people who work on the holidays) - but that's ok, I will have great wonderful quiet time for sewing.
I ordered some back fabric - if it comes in time, I will pop in to my LQS and use the tables to do a bit of sandwiching - I have two larger quilts that I can't sandwich on my own small tables - need the big size! Need I say that sandwiching is my very LEAST favorite part of quilting - - although it is a lovely excuse to visit the LQS !!!
I wish everyone who is cooking up giant feasts the best of luck with your preparations! I am cooking a small turkey, mainly for the leftover sandwiches - perhaps I can eat a sandwich while I MAKE a sandwich !!!!
Happy Quilting,


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From choosing the right rewards and incentives to supercharging your programme via segmentation, this is your one-stop guide to the very best practice.
No matter what you sell. No matter how you sell it. If you have customers who love what you do, they'll have friends who'd love you too. And that's where Buyapowa's award-winning and highly customisable referral and advocacy sales technology comes in. It's packed with unique features that don't just get your customers and brand ambassadors introducing one friend at a time, but lots and lots, again and again.
Referred-in customers are eight times more likely to purchase than average online shoppers.
Our success has shown that, provided the right rewards and incentives are chosen, referral marketing can be a powerful acquisition channel for a premium brand like Amara.
Tom Freeman - Digital Marketing, Amara


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You have no items in your shopping cart
Evening meals are more magical with candlelight. These require the old fashioned type-- tapers.
Buy them in pairs or as singles with varying heights.
11" high. Base is 4" at widest.
Cast metal, durable finish.
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Peacock Bass Tactics
How do I catch peacock bass? — Well, first, you have to get at them. To the peacock bass novice, every inch of the Amazon looks like it holds fish. But, ever-changing conditions, such as water level, temperature, oxygen, food availability and spawning cycles all impact where peacocks can actually be caught. Too much water ... baitfish (and the peacocks right behind them) will simply go into the jungle ... we just can't catch peacocks there. Too little water ... they'll head for the river channel ... it's pretty tough to catch them here also. But, as water levels drop just below the river's banks, peacocks become concentrated in back waters, lagoons and riverbank structure ... we love to fish for them here. This is the outfitter's single most important function; to know where peacocks can be found in water where they can be caught; and to take anglers there.
That being said, let's assume you've made it to the holy grail of peacock bass fishing ... optimal water levels. And you've got a box full of killer baits to load onto your ready-to-cast rods. Now, you just have to get them on a hook. Peacocks make it interesting because there are two ways to do that ... get them to eat your bait ... or get them to kill your bait.
Presenting an edible bait
In Lagoons - The majority of peacocks are caught in lagoons. The interiors of lagoons provide sheltered feeding and breeding areas for both peacocks and the forage fish that make up their diet. Like largemouth bass, peacocks usually relate to 'structure' near shorelines.
Woody Structure - As a result of the constant cycle of rising and falling waters, lagoon banks are lined with fallen, dead trees, forming dense heavy structure along the shorelines. Fallen logs, points and sand bars are where many peacocks lurk. Therefore, much of an angler's time is spent fishing this type of structure. Both propeller type surface lures and walking sticks are very effective here when cast in toward shore between trees, logs and extending deadfall. When placed close against structure they often elicit immediate strikes. Fish will also follow them out from cover and strike them in open water. Similarly, jigs and spoons are very effective when cast into the base of standing timber or near fallen trees and retrieved parallel to trunks and branches. Peacocks will often trail these lures right up to the boat, sometimes striking as the angler begins to lift the lure out of the water.
Points - Peacocks love points. Points create an underwater ridge, with deeper water on either side. Have a rod with a surface lure and another loaded with a subsurface bait ready as you approach. Wait until you're close enough to cast ten feet or so past and perpendicular to the ridge, into the deeper water, and then work the surface lure over the top of the ridge. Be ready. Most points of this type will hold fish. If the surface lure doesn't produce, use a subsurface bait and probe the deeper water on both sides, casting toward shore and parallel to the ridge.
Feeding peacocks - During the course of a fishing day, anglers may encounter feeding peacocks moving into open lagoon water in small schools behind baitfish, sometimes bursting into feeding frenzies. These are great opportunities, especially for big fish. Baitfish fleeing, skipping across the surface, or over large disturbances in open water are good indicators. Don't pass up the opportunity to cast a lure into the fray. Drop it right in front of the baitfish, in the peacock's path. If you place it well, it will usually be taken immediately. Set the hook and hang on. Feeding peacocks are greedy and highly competitive when schooling. Another peacock will almost always be close by, attracted by the commotion. Cast near a hooked fish (unless your partner is onto a giant; then politely reel in and get out of the way).
Peacocks will sometimes use lagoon banks and beaches to drive baitfish onto the shore and then pick them off as they flop back into the water. If you see this, throw anything onto the bank and drag it into the water. Peacocks will usually grab the closest object in the melee.
When foraging fish are visible in water of less than a meter or so, they can be somewhat skittish, but a well placed lure can produce. Cast just beyond the fish and perpendicular to their line of travel, retrieving quickly enough to pass their line of sight a bit ahead of them. When it's spotted, the hair-raising sight of several big, hungry peacocks racing for your lure will thrill even the most jaded angler. Hang on, wait for the winner to get there and when the line goes tight, lean back and set the hook.
In the River - During periods of hot, dry weather and low water, conditions may encourage peacocks to move into the cooler and more oxygenated water of the river. In these conditions, anglers can pursue peacock bass in and around lagoon mouths, rock piles, bushes, sand bars, points, and log jams. This can add another dimension to the angling experience.
Logs, deadfall, and cuts will often hold peacocks, especially in backflows or still sections. Fish this structure just as though it were in a lagoon, making compensation for the effects of any discernible current. The outer points at the mouths of lagoons are often particularly attractive to fish because of their transitional nature, interfacing the flowing water of the river with the still waters of the lagoon.
Although not common in Amazon rivers, rocks, compressed clay or dirt slide piles are peacock bass magnets. When available, peacocks will consistently congregate tight to this structure. Surface lures can be retrieved parallel to the structure or maneuvered through openings and between rocks. Subsurface lures can be run deep around the base of rocks. But jigs are the bait of choice. Bounce them off a rock and let them drop in, then start ripping them back. Work them along an edge and probe crevices and overhangs. The speed of acceleration is the key to this lure's effectiveness. In clear water, peacocks can be seen flashing out of crevices, stopping dead behind a jig slowing down between rips, and then slamming it as the angler rips it again. If the jig doesn't move away quickly enough, anglers can watch the same peacock flash back into the rocks, rejecting the lure.
Fast Water - The first time I encountered peacocks in open, fast water, I was truly surprised. It didn't seem like the sort of place where I would find a fish that I strongly associated with still water lagoons and structure. I was fishing a narrow tributary. The boat was tied onto a fallen tree extending into the water just below a stretch of fast water, that for Amazonia could almost be called rapids. The river narrowed here and formed a deep, fast chute just upstream of my location. After some experimenting and positioning, I settled into a groove that allowed me to cast upstream into the chute and rapidly retrieve my lure downstream through the fast water. The bucktail jig proved to be the most effective tool here, although a spoon produced also. To my amazement, I caught a fish on almost every single cast. Over twenty-five fish came out of this one little chute, before the action even began to slow down. Most of the fish ranged between 2 and 4 pounds, with several just under ten pounds. This was a blast!
Since that experience, I make it a point to probe any fast water I encounter. Peacocks seem to behave differently in fast water. Although they may strike less intensely and make less violent runs, they seem to last longer and run farther in the moving water. The effect of the current adds changes to the character of the fight.
Sandy beaches occur on the outside bank of curves and along the edges of shallow stretches of river. The rainy season's high waters cut scalloped forms into the expanses of white sand. Fisherman can exploit the steep edges between these ribs of sand. Subsurface lures produce well here. You can even cast a "Woodchopper" perpendicular to the ribs and sometimes get a violent but pleasant surprise.
Always keep an eye open for water sources entering the river, no matter how insignificant. Casting well up into the mouths of entering streams will often produce strikes from fish holding right at the point where inflowing water blends with the river. Smaller brooks and streamlets may often hold fish right at the river shoreline.
Presenting a killable bait
There is just nothing more exciting in the realm of freshwater fishing than to catch Cichla temensis by "pissing them off" and that is best done just before and just after they spawn. Peacocks are very difficult to catch while they have eggs or non-swimming fry on the nest. They're just too busy doing their parenting jobs to pay you any attention. Luckily that period only lasts 4 or 5 days and pairs don't all spawn at the same time. Just before this period, however, is when an angler's wildest fishing fantasies can come true. Peacocks are violently protective of their nesting site before they spawn. They are staking out their turf and attracting and courting mates and will brook no interference from a presumptuous plug. Rip a big propeller lure past them and they will simply attempt to dismember it with a single explosive strike.
What could be more exciting than pre-spawn fish? ... Baby-sitting fish! Once the fry have become free swimming, their parents will leave the nesting area and guard them as they feed on microscopic organisms in open, sunlit water. The parents cease hunting for food during this period, but ceaselessly and diligently guard their babies against predators. Place a lure into a school of peacock fry and papa will immediately and violently teach it a lesson that it (and you) won't soon forget. This a strike born of vehement aggression that no other fish can duplicate.


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CKR reported its period 9 same-store sales results this morning. Carl's Jr.'s comparable sales trend improved sequentially to up 1.6% from period 8's 0.1% decline while Hardee's slowed slightly to up 0.8% from 1.1%. Both concepts slowed, however, on a 2-year basis in both period 8 and period 9 (the first two periods of 3Q09) and have been declining since period 6 in 2Q09. This is somewhat concerning because both Carl's Jr. and Hardee's are facing more difficult comparisons in period 10 to close out the quarter and Carl's Jr.'s tough comparisons continue into 4Q09. Management attributed its slowing trends in both period 8 and 9 to overall discounting, saying, "We believe competitors' aggressive discounting continued to negatively impact both brands sales results."
- It is interesting to note that CKR management made changes to its "Why Invest in CKE" section of its investor presentation highlighting the company's defensive nature. The company supports this idea that it is well positioned to withstand tough economic times by pointing out that "fast food is not a luxury item" and "people are going to continue eating fast food." The new presentation also includes a chart that looks at Carl's Jr.'s same-store sales performance relative to overall QSR in other difficult times (attached below).


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This is a discussion forum for the english DAoC server known as Prydwen
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by Gandelf » Fri Mar 30, 2007 7:20 pm
by Xest » Fri Mar 30, 2007 9:05 pm
Gandelf wrote:Thanks for your help Cernos. You've saved my life—you really have!
by Cernos » Sat Mar 31, 2007 9:12 am
Gandelf wrote:Cernos, how does THIS look for a PSU please?
by Gandelf » Sat Apr 07, 2007 9:10 pm
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It is being reported that the investigation centers around the mayor and more specifically her favoritism to certain companies and suppliers who charged the city more than other competitors. Raising suspicions that there was something that persuaded the mayor to pick these certain companies over the needs of her constituents.
Early Tuesday morning, the FBI raided government offices in San Juan, Puerto Rico, including the office of San Juan's mayor, Carmen Yelin Cruz, looking for evidence to substantiate allegations of "corruption" within San Juan's city government.
Cruz, of course, is the outspoken San Juan mayor who appeared regularly on television during and after Hurricane Maria last year, blaming the Trump administration for failing to address the situation in Puerto Rico. Cruz even donned a "Nasty Woman" shirt in one interview.
She's recently been making the rounds on late night television on the mainland, appearing on Stephen Colbert's show to discuss (and condemn) the Trump administration's hurricane response.
But, as administration officials — including President Donald Trump — have pointed out, many of the problems rescuers faced were the result of local failures, including a lack of infrastructure, government favoritism, and rampant corruption. Cruz and others are alleged to have hampered, and occasionally blocked, the distribution of much-needed supplies to Puerto Ricans without food, water, medicine, or electricity.


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Rain Painting
It's easy and fun and a good excuse to go play in the rain! Challenge yourself to see if you can make your rain art look like something you want to see in your spring garden!
(You know if you live somewhere where it happens to be hot you could do the same thing but throw on a bathing suit instead and ask a friend to spray a hose right above you!)
Looking for more fun ideas to get outdoors with your kids? Check us out on Pinterest and Facebook!
Pumpkin Slime Recipe
Pencil Pool Noodle Garden Markers
I love pool noodles! They're bright, colorful, and make great garden markers after a summer of playing with them in the pool!
Since we're all heading back to school I thought it would be fun to upcycle the noodles into pencil garden markers! Cute right?
1. Use a knife or small saw to cut the main pencil out of the pool noodle. Yellow is best but you can use any color. I made mine about 2 feet but you can do any length you'd like.
2. Cut an eraser out of a red or different color noodle. I usually cut it about 6 inches, but again it's up to you.
3. Create the pencil lead with another color. Use the knife or saw to cut it at an able to create a point.
4. Attach the pieces together with duct tape.
5. Use the marker to write the names of your plants on it and stick them on a stake and right into the ground.
Write something about yourself. No need to be fancy, just an overview.
March 2020


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Top News May 20, 2009, 5:20PM EST
The debate over business schools' culpability in the financial crisis rages on, with no clear end in sight
By Francesca Di Meglio
It's easy to see why MBAs are getting blamed for the financial crisis. In the 1970s when Lehman Brothers' Richard Fuld was attending NYU Stern School of Business (NYU Stern Full-Time MBA Profile) and Merrill Lynch's Stan O'Neal was knocking around Harvard Business School (Harvard Full-Time MBA Profile), the gospel of shareholder value was gaining a stranglehold on the nation's business schools. Fuld, O'Neal, and other newly minted MBAs of their generation would go on to inherit a world where following that gospel—by boosting shareholder returns in the short-term—left them exceedingly rich.
So it comes as no surprise that Fuld and O'Neal would, nearly 30 years later, make big bets on mortgage-backed securities that they believed would improve their bottom lines, but would ultimately destroy their companies and deal a body blow to the world economy. At times, the line between the ivy-covered Harvard campus and global economic disaster can seem bold, black, and straight.
But is it? The opposite case could just as easily be made. For one thing, a lot of MBAs go on to live the kinds of lives that could charitably be described as virtuous. And a lot of corporate leaders who were among the worst offenders in the current economic crisis never came within a stone's throw of an MBA, including Jim Cayne at Bear Stearns, Frank Raines at Fannie Mae, and the whole motley crew at AIG.
Whether, and to what extent, the nation's business schools laid the groundwork for the economic crisis is a debate that's engulfing the world of management education these days. Philip Delves Broughton, who received an MBA from Harvard and wrote about his experiences there in Ahead of the Curve: Two Years at Harvard Business School (Penguin Group, July 2008), calls the three-letter acronym "scarlet letters of shame," and suggests they stand for "Masters of the Business Apocalypse."
But that was only the beginning. HBS itself—which produced a glut of recent failures, including Merrill Lynch's John Thain and General Motors' Rick Wagoner—is studying its role in the crisis. Joel Podolny, the former dean of the Yale School of Management (Yale Full-Time MBA Profile), in an article in the June issue of Harvard Business Review, issues a clarion call for reform. Meanwhile, an HBR online debate about business schools' culpability in the crisis has raged on for weeks—with two out of three respondents to HBR's online poll saying business schools were at least partially responsible for their graduates' ethical lapses. Even Dilbert is MBA bashing these days. "I hear you have an MBA," Alice tells a co-worker in the May 20 strip. "Just like the jerks who ruined the economy."
Business schools experienced a similar bout of external criticism and internal soul-searching in 2002, after the collapse of Enron ushered in an era of curriculum reform, ethics classes, and other changes. Back then, the rap against business schools was that they failed to check the worst impulses of MBA students, allowing a few bad apples to graduate with no sense of right and wrong.
This time, the charge is more serious and systemic. Business schools not only turned a blind eye to their students' ethical shortcomings, this argument goes, they enabled them. By focusing on shareholder value, they created the intellectual preconditions and theoretical frameworks that allowed a kind of moral relativism to flourish on campus and, ultimately, in the business world itself. "The unbridled free market as the answer to all problems became the basis for business education," says Rakesh Khurana, professor of leadership at Harvard and author of From Higher Aims to Hired Hands: The Social Transformation of American Business Schools and the Unfulfilled Promise of Management as a Profession (Princeton University Press, September 2007).
Not Critical Enough
While the shareholder maximization model gathered steam, business schools began fighting for top spots in media rankings, such as the biennial BusinessWeek list of top business schools. Some educators are asking business media to take a look in the mirror before pointing the finger at business schools alone for today's problems. James O'Toole, a professor of business ethics at University of Denver's Daniels College of Business, says business school rankings have helped to turn students into consumers and business schools into businesses. As a result, some business schools are more concerned with helping place students in high-paying jobs, say critics, than with educating them about how their decision making could affect the companies the work for and the economy at large. "Students are not customers. They're students," says Alex Chu, an admissions consultant and 2001 MBA graduate of University of Pennsylvania's Wharton School (Wharton Full-Time MBA Profile). "Business schools fell into the same trap as business media. They were not critical enough of what was going on, which made them complicit to the problem."
For business schools, the question of complicity in the crisis is a tricky one. Those who maintain that business schools are to blame are admitting a serious error in pedagogical judgment. Those who say the poor judgment of executives with MBAs who were implicated in the current crisis was entirely of their own making—the product of innate values and decades of on-the-job training—run an even bigger risk. "MBAs created a dominant view of business and its language and tools," says Angel Cabrera, president of Thunderbird School of Global Management (Thunderbird Full-Time MBA Profile). "To say we have no responsibility is to say the MBA is irrelevant."
Complicating matters is the fact that the business leaders with MBAs who were at the heart of the crisis all received their degrees 30 years ago—long before the schools' current curriculums were developed, long before the current faculty arrived on the scene, and long before the rankings. Those men and women are products of an educational system that no longer exists. If business schools are to blame, then reform—in whatever form it takes—may be 30 years too late.
For many in the business school community, the very notion of culpability is ludicrous.
At a panel discussion in Orlando last month, Richard Cosier, dean of Purdue University's Krannert School of Management (Krannert Full-Time MBA Profile), said all AACSB-accredited schools teach ethics, integrity, and social responsibility—and therefore are not to blame for the crisis. "It is my opinion that business schools will continue to produce students who will be part of the solution rather than the problem," he added. Sydney Finkelstein, professor of leadership and strategy at Dartmouth's Tuck School of Business (Tuck Full-Time MBA Profile) agrees. "We don't create CEOs, and we don't destroy companies in business school," Finkelstein says. The best MBA programs, he says, remain valuable. "We live in a world of organizations," he says. "The single best place to go to understand how organizations function and can be improved is in the business school environment."
Ethical Conundrums
Warren Bennis, distinguished professor of business administration at the USC Marshall School of Business (Marshall Full-Time MBA Profile), agrees that you can not lay the blame for the crisis on business schools. But he also says that business schools have to do a better job of teaching transparency and what it means to be an honest business leader. "We have not provided enough information on the practical world of business or the ease with which you can slip into greed and hubris," he says. "We need to better prepare [students]."
For many business school critics, the problem with how MBA programs approach the sorts of ethical conundrums that can result in global economic catastrophes is that in many cases they're treated as an afterthought. By creating ethics electives, programs have made it possible to spend two years in business school without pondering right and wrong in any systematic way—they've made integrity optional. Cabrera says ethics must be integrated into all MBA coursework, and include practical solutions to ethical problems students will face in their post-MBA careers.
Such an approach is consistent with an idea that has surfaced in recent years to professionalize the MBA degree. Advocates of this approach say the MBA should include many of the same elements that degrees in law and medicine incorporate—such as making the degree mandatory for certain positions, competency testing similar to the bar exam for lawyers, and most important a sense of responsibility to society. At Thunderbird, MBA students are required to sign an oath—and repeat it aloud, in unison, at graduation—in which they promise "to strive to act with honesty and integrity," among other things. Says Cabrera: "The MBA is the ultimate professional qualification for management just as the MD is the ultimate qualification for medicine."
Guided Self-Interest
Of course, a business school equivalent of the Hippocratic Oath doesn't guarantee that MBA graduates will do no harm. But it can't hurt, especially if the business school reforms that now seem inevitable go well beyond a simple oath. Khurana says the idea of self-interested leadership, as it's now advanced in the business school world and practiced in the world of business, must give way to something new: servant leadership with a focus not on self-aggrandizement, but "guided self-interest."
John Fernandes, the president and CEO of AACSB, says business schools are not to blame for the crisis, but he is certain that any reforms undertaken in the wake of the crisis will be a step in the right direction. "Business schools take this very seriously," he adds. "Whatever they can do to make better leaders, they will do. They're not teaching people to steal."
Di Meglio is a reporter for BusinessWeek.com in Fort Lee, N.J.


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Streetsmart insurance Blog
If you are accumulating wealth quickly and live the comfortable life with a large house, luxury car and other expensive assets, you've no doubt already insured all of those belongings.
The main order he issued immediately eliminates subsidies that are paid to health insurers that participate in government-run exchanges to reduce deductibles and copays for lower-income customers.
More and more employers are being overwhelmed by all of the compliance requirements associated with managing employee benefits.
Cyber attacks are on the rise, and "phishing" - the practice of tricking insiders into answering e-mails, clicking links or otherwise exposing company networks to criminal intruders - is a leading tactic.
Hurricane Irma highlighted how fragile America's supply and logistical chains can be. Thanks to a variety of technologies like RFID tracking and just-in-time supply chain management, U.S. businesses are running leaner than ever. And sometimes, all it takes is a bump in the road to show us just how lean, and how easy it is for events beyond anyone's control to wreak havoc with a business's ability to function.
At the end of July, data thieves successfully penetrated computer systems at Equifax, one of the three major credit bureaus, and potentially stole personal credit information on as many as 143 million U.S. customers.
The Equal Employment Opportunity Commission has sued an employer for refusing to hire a job applicant because he used a service dog.
The employer of a worker who causes damage during their off hours on a business trip may be held liable for them acting "in the scope of their employment," according to a federal court decision.
By now, you've likely noticed that your commercial automotive insurance rates have been increasing since last year, and for now there seems to be no slowing the momentum.
Starting a business at home can be an exciting experience especially if you're a beginner in this field. There are plenty of things to study and a lot of lessons to learn throughout the process but it usually pays off in the end. One of the things that you need to focus on as a new business owner is your insurance policy. Since you are starting your business in the comforts of your home, it's easy to assume that it will also be covered by your standard homeowners insurance policy, but that's not the case.
Contact Us
(732) 462-8343
March 2020


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Quality is vital to maintaining your overall health. Achieving excellence in care is what sets you apart and drives success. Offering a goal-oriented approach, backed by expertise, efficiency, and innovation, Withum creates a world full of potential for a life well-lived.
Visit the HFMA website to learn more about the proposed stimulus package, CARES Act, and how it would apply to hospitals and healthcare organizations.
Withum's experts have the depth and breadth of experience to fully understand the many challenges facing healthcare professionals today and can offer a wealth of resources designed to ensure you have the skilled assistance necessary to meet your challenges head-on. Our Healthcare Services Group is an assembly of our best and brightest professionals dedicated to working with you, bringing their collective knowledge and experience ranging from healthcare audits and tax compliance services to healthcare advisory services, allowing you to focus on what truly matters – quality patient care.
Withum's Healthcare team is located from Boston, MA to Orlando, FL and is heavily active in each geographic market. Withum is a member of various healthcare associations and organizations to ensure that we are up-to-date on all industry advancements. From ASC 606 revenue recognition accounting and tax credits to cybersecurity and technology enhancements, Withum can help put you in a position of strength.
Withum is proud to be a member of these healthcare organizations.


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In this issue:
- Feature: What if they threw a recession and nobody showed up? by Nicole Chaland and Nathan Hunter
- Announcements
- Good Ideas
- New Knowledge and Resources
- Events
- Funding and Contract Opportunities
- Jobs
FEATURE: What if they threw a recession and nobody showed up?
By Nicole Chaland and Nathan Hunter
It's Henry Paulson's party, and he can cry if he wants to.
We just don't have to be there. And that's exactly what the Community Economic Development movement has decided to do - and we won't be attending the recession either.
Credit unions as opposed to banks - a classic Community Economic Development (CED) model - are owned entirely by their customers. If you have a chequing account at a credit union, you are an owner of that credit union. By definition, credit unions are locally-owned, locally-managed, and locally-governed. Shares are issued to members and are not sold on the stock market. Credit unions also tend to reinvest profits into their communities. As such, credit unions, as this article explains,while not immune from, are less susceptible to the volatility of the international and financial markets.
Housing Trusts - another tried and true CED model - set aside land for affordable housing... forever.
Individual homeowners, co-operatives, and non-profit housing associations purchase long-term leases from the trust and own their buildings outright.
Individual homeowners buy and sell apartments or homes through the same real estate market as everyone; prices fluctuate with the market but are lower because the trust owns the land. It's easier for co-operatives and non-profit housing associations to develop affordable housing because they do not need to worry about the cost of the land.
Trusts are common place in Canadian ecological conservation efforts, but haven't been applied to housing widely. In the U.S., however, where philanthropy is more prevalent, housing trusts are a staple ingredient in affordable housing efforts. Lately, they are being re-examined in light of the recent sharp increase in foreclosures.
Holly Sklar, in No Foreclosures Here writes, "Housing experts across the country have their eye on community land trusts as proven means of preventing foreclosures. A survey released in March 2008 found only two foreclosures among a national sample of 3,115 land trust homeowners."
If a community collectively owns its financial services and land for housing it is more resilient against the whims of the global market. Ultimately, we are experiencing first-hand what happens when decisions are made by a handful of people who are neither accountable nor altruistic.
Communities have relinquished responsibility for the health of their economies; communities can and should ask senior levels of government for help to reclaim responsibility through Community Economic Development.
An economic stimulus package can contribute to short-term economic growth, possibly benefiting the very people and mentality that caused this mess in the first place. Or a stimulus package can be designed to foster short-term economic growth and benefit
Canadians within a sustainable economic and environmentally sound model.
Community Economic Development isn't a bubble. It's a rock. And a foundation. And one that we believe a healthy, sustainable community can be built upon.
Community Economic Development Leaders awarded for their contributions to strengthening communities.
Bravo! for CCEDNet partner, Ana Maria Pareda the Director of the BC Institute for Co-operative Studies, was recently awarded the Internationalization Leadership Award by the Canadian Bureau for International Education. More info>>
Kudos to CCEDNet member, SEED Winnipeg, for winning the National Canadian Worker Co-operative Merit Award. Keep up the great work! More info here>> and here>>
Congratulations to the Fernwood Neighbourhood Resource Group who won 2008 CMHC Housing Award which undertook the classic approach to community economic development using community organizing to increase control of local assets. More Info>>
Got a notable story about rural revitalization through arts and culture? Please send it to Nancy Duxbury at the Centre for Policy Studies on Culture and Communities at SFU email@example.com for part of a practical study that will result in identifying best practices for this emerging practice.
Software Donations! Staring January 30, 2009, TechSoup for Canadian organizations will be managed through the Centre for Social Innovation (CSI) in Toronto, under the name TechSoup Canada. www.techsoup.org
Internet impact survey - Rural BC Click here to participate>>
Check out the Obama-Biden plan for universal voluntary citizen service. Canada stands out as one of few OECD countries that don't having a citizen service program -think domestic peace corp - maybe it's time to ask why. Click here>>
Charitable Donations
Charitable donations have become a popular gift giving tradition of the CED movement. Help plug economic leaks and make your donation go farther by donating to a Canadian Charity.
This year, we highlight three important national giving opportunities:
- Donate to the Girls Growth Fund - an investment in the future of girls across Canada. www.girlsgrowthfund.org
- Donate to the Canadian Centre for Policy Alternatives or better yet, have your family collectively donate $1000 and the Tides Canada Foundation Social Justice Fund will match 50 per cent of first-time donations of $1000 or more (meaning they'll turn your $1000 contribution into $1500).
- Of course, you can donate to Canadian CED Network and receive a charitable tax receipt. To Donate now click here>>
How to Save Ourselves From the Irrational Economy - Dan Ariely, Harvard Business Publishing. Click here>>
Chief economist, Helmut Pastrick, of Central 1 Credit Union (formerly Credit Union Central of BC) discusses the current financial situation. Click here>>
The Forgotten Fundamentals by Ken Battle, Sherri Torjman and Michael Mendelson, December 2008
Strong social programs can play a vital part in an economic stimulus package. Ottawa has at its disposal several effective social programs that can play an important part in an economic stimulus package to combat the recession.To read the whole article click here>>
The Housing Fix by Daniel Fireside
A study conducted in December showed that foreclosure rates among members of 80 housing trusts across the United States were 30 times lower than the national average. Click here>>
Modeling Markets: This economy does not compute by Mark Buchanan
It seems clear that no one really knows what is coming next. Why?
Click here>>
Poverty Policy
An excellent paper written by Sherri Torjman of the Caledon Institute, that lays out a comprehensive anti-poverty strategy focusing on asset building as a tool to lift people out of economic depression. Click here>>
Tax Free Savings Accounts: One of the few viable options available to low income Canadians to create some financial protection. A relatively pertinent topic, given the current economic and employment situation. For more info click here>> and here>>
The Story of Stuff
A Great Independent Web-Video that relates to CED: For those of you with a solid twenty-five minutes to spare, and a decent internet connection, give this entertaining and informative flash video a look-see!
First Nations Negotiation and Investment Strategies Conference
Vancouver, British Columbia
December 11 - 12, 2008
Click here>>
SFU Certificate for Community Economic Development Professionals
Upcoming Courses
Victoria Spring 2009
***Social Enterprise Development, February 20-21
(qualifies as orientation to Enterprising Non-profits program)
CED Approaches to Affordable Housing, April 24-25
Spring 2009
Co-operative Models of CED, January 23-24
Financing CED Projects, March 27-28
Sustainable Development and CED, May 29-30
*New* Register online - click here>>
What students have to say about the program...
Honestly, I think it is some of the most practical education I have ever received. Patricia Morgan, Dawson Creek
The whole program has really been a huge benefit to me. It has helped develop my skills and increased my understanding of the issues relating to CED. I like the format, having two days and then an assignment; the assignments have been valuable and applicable.... Good good good.
Kevin Koopmans, Community Futures South Fraser
For more information click here>>
Enterprising Non-Profits orientation sessions
**February 20-21, Victoria
orientation to enp is included in SFU's Social Enterprise Development course which can be attributed to completion of the Certificate Program for CED Professionals
March 4, Vancouver
March 10, Nanaimo
March 25, Surrey
March 31, Kamloops
April 2, Revelstoke
April 21, Kitimaat Village
April 23, Burns Lake
April 24, Vanderhoof
April 29, Crankbrook
For more info click here>>
2009 National CED Conference
Save the Date! June 3-6, 2009
Winnipeg, MB
Click here>>
Economic Development Association of Canada and Economic Development Association of BC 2009 Conference
September 18-23, 2009
Click here>>
Remote Community Clean Energy Program - If you're community is off the grid, here's a $20 million BC government program to stay off with support for sustainable community energy solutions.
Click here>>
Sustainable Community Plans 2008- $$ for municipal governments to develop sustainable community economic development strategies
Click here>>
World Summit Youth Award to achieve Millennium Development Goals
Deadline: December 31, 2008
Click here>>
BC Healthy Communities: Seed Grant Program
Deadline: January 15, 2009
Click here>>
Community Action on Energy and Emissions $50,000 up for grabs if your community can demonstrate exceptional leadership in policy and / or planning initiatives that advance energy efficiency, air quality or reducing GHG emissions.
Deadline: January 15, 2009
Towns For Tomorrow
Deadline: January 16, 2009
Click here>>
LocalMotion for municipalities to lower their greenhouse gas emissions.
Deadline: January 16, 2009
Click here>>
Nechako-Kitamaat Development Fund
Deadline: January 20, 2009
Cycling Infrastructure Program
Deadline: January 30, 2009
Click here>>
Democracy Short Video Challenge
Deadline: January 31, 2008
Click here>>
Video competition for the Canadian Social Forum. Winners will receive $500 cash prize, travel and accommodations to the Canadian Social Forum, and an internship.
Click here>>
Federal Mountain Pine Beetle Program
Deadline: Open
First Nations Forestry Council
Click here>>
Green Municipal Fund Feasibility Studies and Field Tests
Deadline: Open
Click here>>
Economic Development Officer, City of Vernon
Deadline: December 9
Click here>>
Planning Services Manager, City of Campbell River
Deadline: December 12
Click here>>
Assistant Director - Social Infrastructure, City of Vancouver
Deadline: December 12
Click here>>
Project Manager - Ministry of Agriculture and Land, Kamloops
Deadline: December 12
Click here>>
Planning Officer II, Cariboo Regional District
Deadline: December 19
Click here>>


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Book an Author Visit
Tracy and Shannon would love to share their passion for writing, their journey as authors, and their books, Benson's Adventures in Michigan, Benson's Seasonal Adventures in Michigan, and Benson's Adventures in the U.S.A. with you. They are available for Family Literacy Nights, school presentations, library presentations, conference presentations, educational consulting and will customize each presentation to meet your educational needs. Tracy and Shannon may be contacted at firstname.lastname@example.com