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Malfoozaat (Anecdotes) of Faqihul Ummah
Is the rank of man higher than that of angels?
Wednesday, 17 October 2007 14:11
Question: Is the rank of man higher than that of angels?
Taqdeer (Pre-Destination)
Wednesday, 17 October 2007 14:09
A teacher at Madrasah Khadimul Islaam, Hapur, enquired, "Hadhrat! Apparently some ayaat (verses) of the Qur'aan show that the servant is majboor (compelled) and this substantiates the view of the Jabariyya sect. The answers given by the Ahlus-Sunnah are unsatisfactory and there still remains confusion in the belief of taqdeer".
Shaytaan doesn't have the ability to harm a person in the grave
Wednesday, 17 October 2007 14:08
Question: Does shaytaan have the ability to cause harm to a person in the grave?
Read more: Shaytaan doesn't have the ability to harm a person in the grave
Is kufr decreed?
Wednesday, 17 October 2007 14:03
Objection: Why are the disbeliever's punished for their disbelief when it is predestined?
Answer: In a debate with an Aryan, Moulana Murtadha Hasan Sahib Chandpoori rahmatullahi alayhi was asked if he accepts the principle:
Sunday, 19 August 2007 09:25
Question: What is the law with respect to holding the the belief of tasarruf i.e. believing that someone besides Allah Ta`ala controls the universe?
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Answer: It is kufr (disbelief) to believe that anyone besides Allah Ta`ala has the power of controlling the affairs of the universe. One needs to distance himself from such beliefs.
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Before becoming a father, it can be impossible to grasp the extent to which life can change with one little adorable addition to it. Being a dad brings along many responsibilities and those, combined with the effort put into maintaining a good relationship and staying on top of your career path, can often leave little time for anything else. The first to suffer from this lack of time is most often your style, but it really shouldn't be so.
The way you look and present yourself to the world has a big impact on how you are perceived and ultimately on how you feel and behave. You might already know that, but the time you have is limited, so you make sacrifices. But being stylish doesn't have to be a time-consuming thing; if you follow these five simple tips, you'll be on top of everything and looking stylish with time to spare.
Find your style
If you want to look good, think about your style. Mindlessly following fashion fads will get you nowhere. You know who you are, so think about the clothes that will reflect that and show you in the best and truest light.
If you already have a defined style, good for you! If you are still searching, find inspiration everywhere. Take a look at what men are wearing, browse the internet, and find a style you will be comfortable with. Show off your personality by finding manly clothing that will suit you and boost your confidence. Once you find your style, the thought of getting dressed every morning will help you get out of bed.
Start with the basics
So now you know your style, but you still have to build your wardrobe. The best way to go about doing that is to start with the basics. You need pieces in your wardrobe that work well together and can easily be dressed up or down depending on what you need, and let's be honest, your wife won't give you too much wardrobe real estate, so you have to choose carefully. Having a good t-shirt and a good pair of jeans or pants will make a great start for any stylish outfit. You start with basic pieces and dress them down with a nice sweater or up with a blazer.
Make an investment
Most days you can style your basics and look and feel ready for whatever life throws at you. However, there are those occasions you need to look your best and a basic outfit won't do. For those times you need to have a sharp suit. Again start by considering your style and find a type of suit that you will want to wear. There are many options out there and to find the perfect cut, you should consider buying custom suits. A suit that will make you look good if fitted perfectly to your body shape and size, it flatters and hides what needs to be hidden. Custom suits are sewed to you specifically and you can make all the demands you want to make, making sure you'll feel and look good wearing them.
Look down
The nicest, best fitted, custom suit won't make a difference to your style if you are wearing the wrong shoes. The key to mastering shoe styles is, just like with everything so far, simplicity. You need something casual and something sharp. Casual shoes can be sneakers, loafers, anything you like and that doesn't require you to wear a three-piece suit with it. The sharp shoes you choose should be bought with a suit in mind and one pair is usually enough. You will get a lot more wear from your casual shoes. Remember, your shoes should always be clean and well kept.
The devil is in the details
Now that you have your main pieces and have combined them according to your daily responsibilities, there are a few final things to consider. Before you can really call yourself stylish, you should take care of every last detail. Your beard & mustache care must be at the top of its game. Make sure your hair is ready to go. Ditch your old digital watch and replace it with something that shows your style. And finally, for sunny days, have a fine pair of sunglasses on hand.
Peter is a men's lifestyle writer at Gentleman Zone and The Beard Mag from UK. Follow Peter on Twitter for more tips.SaveSaveSave

subset: commoncrawl


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WELLESLEY - Like converging rivers, the histories of ancient Persia and modern Iran flow through the art of Parviz Tanavoli in a monumental exhibition at Wellesley College.
In the first retrospective of his six-decade career mounted by a U.S. museum, the multifaceted artist lauded as "the father of modern Iranian sculpture'' is showing more than 175 works filling two floors of the Davis Museum.
Visitors will see a fabulous breadth of work ranging from the 1950s to the present: paintings, prints, jewelry, ceramics and sculptures from the miniature to the monumental, including seven large pieces never before shown.
They will see works in several media by an artist of consummate craft and imagination who has imbued his remarkably varied work with a complex visual vocabulary of symbols and archetypes stretching from the age of ancient greatness through the conflicts of modernity.
Arriving in Wellesley at a time of international tension and misunderstanding between the artist's native Iran and the U.S., this simply titled exhibit, "Parviz Tanavoli," opens windows on the complex history of an ancient culture reforging its identity in the modern world.
As a small sign of those complexities, the museum was not able to display Tanavoli's rugs due to sanctions prohibiting the import of Iranian rugs to the United States.
In this extraordinary exhibit with so much beauty and idiosyncratic objects, visitors should not presume too quickly that they have grasped Tanavoli's dynamic presence.
Perhaps Tanavoli's greatest work has been his own evolving position as an emblematic conduit to his nation's creative past and conflicted present.
At the simplest level, his cast sculptures combine the sinuous grace of Arabic calligraphy, the forged-in-fire immediacy of thorny Iranian politics and the elusive spirituality of poets he admires such as Rumi and Hafiz.
By a powerful bronze sculpture of hands clasping a metal grillwork, Tanavoli has printed a statement from 1970: "My sculptures are a mélange of poetry and bones and memory of locks and cages and windows and numerous other openings which have been perpetuated from the time of Farhad the Mountain Carver, to my day."
Consider the "poetry and bones and memory" from Darius the Great to Shah Reza Pahlavi to Ayatollah Khomeini. No wonder Tanavoli creates with fire-forged bronze.
Born in Tehran in 1937, Tanavoli graduated from the Tehran School of Fine Arts in 1956 and shortly afterward traveled to Italy to study at the Accademia di Belle Arti in Carrara.
After returning to Iran, he exhibited drawings and prints and in 1958, staged a solo show of sculpture, paintings, prints and ceramics, regarded as the first modern sculpture exhibit in Iran.
In the 1960s, Tanavoli was a founding member of an artistic movement known as Saqqakhaneh that attempted to integrate symbols of Shi'a culture into modern art.
He served as artist-in-residence at the Minneapolis College of Art and Design in 1961 and, after the Islamic Revolution of 1979, he retired as head of the sculpture department at Tehran University. A decade later, he moved his family to Vancouver, British Columbia. He now splits his time between Canada and Iran.
Fascinated by locksmithing, he is showing several intriguing sculptures that echo the intricate grillwork characteristic of Shi'a shrines that incorporate images of praying hands.
Organized chronologically and thematically by Lisa Fischman, director of the Davis Museum, and Shiva Balaghi, visiting professor of Iranian Studies at Brown University, the exhibit is arranged to present Tanavoli's recurring motifs in small groupings with titles such as "The Poet" and "Walls and Birds," often made of different materials over the decades of his 60-year career.
Visitors snapped selfies in front of a "garden" of Tanavoli's singular "Heech'' sculptures, including the show's centerpiece, an 11-foot-tall stainless-steel figure of the calligraphic script for Heech, a Farsi word for "nothing" or "nothingness.'' First made in 1965 and among the artist's several longstanding projects, the Heech figures, including ones made of neon and fiberglass, convey a complex concept of deep personal meaning for the artist that may be harder to grasp for Western viewers.
Venetia Porter, curator of the Islamic Arts Division of the British Museum, has suggested the word "Heech" symbolizes Tanavoli's "ambivalence towards the past and a sense of meaningless or dissolution with an inadequate present."
Shahrad Shahvand, an Iranian-born graduate student at Harvard University, praised Tanavoli for "reconciling traditional culture and modern values."
Viewers can simply admire the craftsmanship and tactile power of works on display and marvel at the evolution of Tanavoli's art.
The greater challenge is to grasp his deep connection to the beloved poetic legend of "Farhad the Mountain Carver'' that finds expression in several of his most personal and powerful works.
Introducing his work at a Tuesday evening opening reception attended by 200 people, Tanavoli said, "I never gave up. I followed my path."
Now 77, he discussed his career with serene equanimity, only vaguely referring to the political turmoil that has roiled Iran since the late 1970s and the subsequent rise of Islamic revolutionaries.
"I'm passionate about Persian culture. I'm fascinated by Western culture,'' said Tanavoli. "I'm very happy. I have no regrets. I had no bad luck. All those things turned me into what I am today."
For visitors, viewing that spectacle of creative genius will be one of the pleasurable challenges of the season.
Chris Bergeron is a Daily News staff writer. Contact him at firstname.lastname@example.com or 508-626-4448. Follow us on Twitter @WickedLocalArts and on Facebook.
"Parviz Tanavoli"
WHEN: Through June 7
WHERE: Davis Museum, 106 Central St., on the Wellesley College campus
ADMISSION: Free
HOURS: 11 a.m. to 5 p.m. Tuesday-Sunday
INFO: 781-283-2051; www.thedavis.org


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Mountain Black of the popular Music group, Danfo Drivers have revealed in an interview that they didn't collect money from Tekno to settle dispute with them.
Recall that Danfo Drivers have recently called out Tekno for remaking their hit song, Kponlogo, without properly seeking permission from them.
While speaking with GoldmyneTV, Mountain Black revealed that they have forgiven Tekno after he paid them a visit in Abuja on Wednesday. He however noted almost immediately that they didn't collect money from him as compensation.
He said;
"We didn't collect any money from Tekno; you can ask him. The deed has been done; we cannot reverse it any longer. He planned to release the video of the song last week.
He asked if he could go ahead and we gave him our permission. But I told him we could do a remix later."
Mountain Black said they wouldn't have spoken out angrily if he had treated them well. According to him, they had earlier agreed that they would see at the Eko Hotel in Lagos after the Headies Award but he refused to pick their calls.
"Why would you release a job without telling the owner of the song? When he called that he wanted to see us, I told him we were busy but we should meet at the Headies and he said it was okay.
We were invited for the Headies at the Eko Hotel and he lives very close.
On that day, we called him and he was not picking up. That was why I granted an interview where I said we were looking for Tekno.
"Last week Wednesday, he called that he was coming to see us in Abuja.
So, he came down to Abuja and apologised for what he did. I told him we were not interested in his money but we wanted him to work together with us as a team."
Photo Credit: Instagram
Read Also: Davido Finally Reveals The Age He Plans To Retire From Music


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Each October we kick-off our annual Wounded Warrior Canada fundraising initiative with the launch of Remembrance Red Ale. 0.50 cents of every can and pint sold is donated to Wounded Warriors Canada.
This product is sold through the LCBO and The Ward Room Bottle Shop as well as many bars & restaurants across Ontario. In 2017 we raised $14,502.00!
Here is some information about Wounded Warriors:
WWC is nationally recognized as a leading, independent, veteran's charity focusing on mental health.
Mandate is to honour and support Canada's ill and injured Canadian Armed Forces members, Veterans, First Responders and their families.
- WWC is focused on a spectrum of care that ranges from working to remove homeless veterans from the streets to becoming the national leader in funding animal assisted therapy for Post-Traumatic Stress Disorder (PTSD)
- The organization is also making a legacy investment in mental health research and the scope of their programming, will be focused on family-based care for Operational Stress Injuries, and the recent launch of COPE (Couples Overcoming PTSD Everyday).
Thanks to BSG Craftbrewing for helping make this happen! We are super proud of this partnership!


text: Are you ready to light up your motivation, creativity, energy, mood and memory for 2018? Im taking pre-orders for "My Secret Weapon" supplement packs. For years, clients have been telling me they want what Im taking so now I am making them available for you. Secret Weapon is a mix of amino acids and nutrients that power you through your day, increasing motivation, slowing aging and increasing health. Noo Brain is a mix of cognitive enhancers boosting memory, mood, focus and creativity. I take both. A 7 day trial of either is $20.00 / reg. $27.77. All you have to do is text (562-233-2197) the quantity and type you'd like, your email and pay your paypal invoice. Orders ship the 1st week of January. #ketoexpertrebecca #americasnumberonequeenoflean


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4509 Leland Street, Chevy Chase
4509 Leland Street is a single-family private residence located within the Town of Chevy Chase. The property originally contained a one-story home and driveway. This 9,000 square foot lot now contains a two-story home with a one-car attached garage and a detached accessory building.The property also contains on-site stormwater management devices meeting Town, County and State of Maryland requirements. CAS Engineering provided a pre-purchase feasibility study, land surveying, civil engineering design, permit processing, and construction stakeout services. GTM Architects provided the architectural design and the builder was D.P. Weaver General Contractors, Inc.


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Tiitus and an icicle, originally uploaded by Jonne Naarala.
Yesterday evening I downloaded Lo-Fi App made by Wingnut, LLC. This stand-alone programm will "LoFi" your photos by adding old film effects, textures, and borders.
I tested it for many shots and I was quite pleased about the results I got. The "Randomize" button is especially cool. When you push it you got randomized mix of effects applied on your shot. You can of course select all effects manually but I found randomizing really fun. You can also turn off each effect individually to achieve more controlled results.
Lo-Fi has a 7 day trial period. Download it and try out and see which kind of results it will create. I think only downside is the prize (29 $) because I feel that I would not use Lo-Fi very frequently. Basically I do not like textures and frames (but I do like film effects) applied in photos. Film effects I can do very nicely in LR or by using Nik's Color Efex Pro or Silver Efex Pro.
I do like the above result, however. That's why I will test Lo-Fi more and decide few days later if I may purchase it or not.


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Animated Images of Sports
Images of Sports
A free collection of free animated gifs of Sports for you presentation or your website. Sportive gifs. Sport gif animations. Sport gif. Team sports. The best animations of all kinds of sport activities come to your computer. No matter what sport you like, surely we have some sport animation that you find interesting. Among our gifs there are the most popular sport activities, but also another sport activities activities less widespread.
Design of Sports
Animated Cliparts of Sports
Free animated gifs of Sports to produce your own video for youtube or your presentatios of Sports with PowerPoint. And if you don't find your favorite sport, you can ask for this using social media to contact us. Animated images in gif of athletes doing their workouts are available to everyone in this large category of images.
Free collection of Sports animated gifs. The definition of sport is a physical activity in which you have to follow a set of standards or rules to practice. In addition to these guidelines, the gear used or the venue of the elements that differentiate one from another sport.
Sports Animated Gifs
Download animated images of Sports for design. Many sport activities are competitions that can be played by teams or individually. In some of these competitions, wins who achieve the highest scoring. In others, however, who obtains the highest score wins a good execution of an exercise or make it a mark higher than its competitors.
Get free Sports animates gifs. You can use these sport activities video fragments in any way you choose. You can download sport images in motion you like and post it on a social network. You can also send any animated gif athletes as postcard to share with your friends your hobbies and interests.
Free Gifs of Sports If you have a blog or a website where you ever talk about sport activities, you can decorate your publications with these dynamic animations to fill your website. It's simple, especially using the Insert button you'll find every animated gif.


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And Abraham journeyed from thence toward the south country, and dwelled between Kadesh and Shur, and sojourned in Gerar.Genesis 20:1 Genesis Law Old Testament
And Abraham said of Sarah his wife, She is my sister: and Abimelech king of Gerar sent, and took Sarah.Genesis 20:2 Genesis Law Old Testament
But God came to Abimelech in a dream by night, and said to him, Behold, thou art but a dead man, for the woman which thou hast taken; for she is a man's wife.Genesis 20:3 Genesis Law Old Testament
But Abimelech had not come near her: and he said, LORD, wilt thou slay also a righteous nation?Genesis 20:4 Genesis Law Old Testament
Said he not unto me, She is my sister? and she, even she herself said, He is my brother: in the integrity of my heart and innocency of my hands have I done this.Genesis 20:5 Genesis Law Old Testament
And God said unto him in a dream, Yea, I know that thou didst this in the integrity of thy heart; for I also withheld thee from sinning against me: therefore suffered I thee not to touch her.Genesis 20:6 Genesis Law Old Testament
Now therefore restore the man his wife; for he is a prophet, and he shall pray for thee, and thou shalt live: and if thou restore her not, know thou that thou shalt surely die, thou, and all that are thine.Genesis 20:7 Genesis Law Old Testament
Therefore Abimelech rose early in the morning, and called all his servants, and told all these things in their ears: and the men were sore afraid.Genesis 20:8 Genesis Law Old Testament
Then Abimelech called Abraham, and said unto him, What hast thou done unto us? and what have I offended thee, that thou hast brought on me and on my kingdom a great sin? thou hast done deeds unto me that ought not to be done.Genesis 20:9 Genesis Law Old Testament
And Abimelech said unto Abraham, What sawest thou, that thou hast done this thing?Genesis 20:10 Genesis Law Old Testament


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A SpiceJet flight has landed safely in Jaipur after a tyre burst during takeoff from Dubai.
The Boeing 737 aircraft travelled from the UAE to Jaipur with 189 passengers and crew on board.
"While aircraft was descending at Jaipur, pilots were informed by Jaipur ATC of suspected tyre burst at Dubai. The crew followed their procedures and landed safely at Jaipur," read a statement from SpiceJet.
"Passengers were deplaned normally. The flight was uneventful."


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Status: Closes in 10 minutes
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first lehighvalleylive.com user to add photos or videos of Pat's Notary & Mailbox Store
Pat's Notary & Mailbox Store is a retailer and legal service in one. The store sells mailboxes of different colors, sizes and styles. There is also a notary service, for any legal document. Call for an appointment or visit the showroom.
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We are proud that the new Parelia LED is now available on TRILUX.
The new TRILUX Parelia LED enables the realization of attractive, parallel lighting concepts – ideal for modern office architectures. They guarantee a high indirect light range, perfect working conditions inside the office. Thanks to their unique design, they can place the luminaire centrally over the screen without a blend on reflecting surfaces. The Parelia LED was developed in collaboration with TRILUX and won the Good Design Award 2018, the Design Plus Award 2018 and the German Design Award 2018.
If you want to find out more about Parelia, please click on the link below:


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We just moved! As of June 1, 2015, we're now situated in Suite 713 of the same building (1841 Broadway). Take the elevator to the 7th floor, make a right out of the elevator and take the hallway all the way to the end.
Construction is done, move-in is complete! Now all we need to do is finish decorating! Check out some of these pictures from the whole process. We started with a big empty room, and we built out two trial rooms, a buffing room (all the better to shine your flutes with!), and a storage closet! Lots more space to invite everyone into our Flute Home.
We hope you'll drop by soon to check out our new digs and say hello!
Here's the Trial Room space at the start. We removed the drop ceilings and had to rewire the electrical to that we got vaulted ceilings in the rooms. Then we framed the two rooms with studs.
The Drywall goes up! We also built two half-walls to create a great "flow" through the space. The second picture shows our to-be repair area, currently inhabited by insulation and bubble-wrap.
Construction of the "Main Space" gets finished, and we begin painting!
Clean things up, so we can start moving in the flutes!
Soon to come - Final pictures of our new shop! We'll be announcing an office-warming party soon. When we do, drop by for some champagne flutes full of bubbly to celebrate the new space!


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It is the twenty-sixth century, and the world is very different place. Gone are the Unity States and Canada, replaced by the socially rigid, authoritarian Confederacy of the Yukon. Gone too is the electronic age—destroyed in the apocalyptic Storm Times that devastated the globe and decimated the world's population in the late twenty-first century. It is now, once again, an age of steam, an age of lighter-than-air craft, an age of feudalism and knighthood, and for some, an age of conquest.
One of this new world's greatest heroes in Lord Isaac Prophet Fitzpatrick, Consul and Supreme Commander of the Yukon Confederacy in the early years of the twenty-fifth century. Tall, handsome, dashing, and noble, this young man who likened himself to Alexander the Great conquered the world in the name of the Yukons. And although his empire didn't last, Fitzpatrick is still revered by his empire didn't last, Fitzpatrick is still revered by his people a century and a half after his untimely and mysterious death.
But now a document has surfaced—and intimate memoir written by one of Fitzpatrick's Basileis, his closest companions. This document promises to shed light on the most personal details of the lift of the glorious Yukon hero. Its author, Sir Robert Mayfair Bruce, a Knight of the Field, seems to have been the most honest of men. Elevated from the ranks and brought into Fitzpatrick's inner circle, he owed everything to his mentor and Commander. And he was nothing if not loyal. As Fitzpatrick's chief engineer, Sir Robert Bruce did whatever Lord Fitzpatrick required. He designed the airfields in India from which the Yukons conquered China. He leveled jungles, built the staging grounds for Fitzpatrick's world war, even fought on the front lines, never questioning the authority of the great man he had come to love.
Why then do academics from the twenty-sixth century—decades after Sir Robert's death—seek so studiously to discredit this man who was Fitzpatrick's most trusted friend? Why do some call this memoir the work of a lying traitor?
Who was Isaac Prophet Fitzpatrick, really? Was he in fact the golden boy that History (that most revered of studies) paints him?
What you hold in your hands is the "infamous" memoir of Sir Robert Bruce, chronicling the years 2415 to 2427, and annotated by a highly regarded scholar in 2591.
Now you can decide for yourself—was Robert Bruce a degenerate scoundrel... or the only man brave enough to tell his world the truth?


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Gluten free is never free. - Joey Bloggs
Gluten free is never free. - Joey Bloggs
I went with the flow, but if I had it to do over again I would have closed everything from around December 10th to15th through right before Valentine's Day. I had a lot of business guests during the week, so it wouldn't have been a good idea just to be open on the weekends because those were really the guests that I got.
I would have been concentrating on our family time at Christmas.
This is an area where there are no events that draw people to the area during that time of the year. Our source of biz guests didn't bring people in then. And it really did not pay to have a few room nights for the heating bill and grocery shopping.
I think you definitely need to look at the cost/benefit of staying open when it's super slow. Although, I did meet some of our most interesting guests during that hit and miss period of being open.
People don't notice whether it's winter or summer when they're happy.
~ Anton Chekhov
Winter is a very busy time for us...everyone escaping the snow & flocking to the Caribbean
We're open all winter, except Christmas Eve, Christmas Day and Boxing Day. It's surprising how many requests we get for Christmas Eve, but I'm not getting up Christmas morning to cook breakfasts and make up rooms.
Have enough people through in November to make any big projects impossible, no-one tonight or tomorrow (hurrah) but had people in since Friday and more in this weekend. End of November it will go very quiet until the gap between Christmas and New Year, and then Jan, Feb and early march will be very quiet.
Spent today reprinting the guest information packs for each room. Need doing every year, they get very tatty and people use them as coasters.
If you wanted hotel facilities you should have booked a hotel and paid hotel prices!!!
We are open all year but Thanksgiving Day, Christmas Day they are told breakfast is minimal - juice, coffee, and muffins because the stove is occupied with dinner (whether the dinner includes them or not).. This year, no one booked out Thanksgiving package but I am actually glad as my brother is coming to visit on his way home from Niagara Falls as he goes back to Georgia. Since he has his trailer with him, he has his beds, but I want to be able to visit properly.
Since he has his trailer with him, he has his beds, but I want to be able to visit properly.
Hope they're LONG beds!
Enjoy your visit. It will be a great Thanksgiving.
All saints can do miracles, but few of them can keep hotel. ~ Mark Twain
Since he has his trailer with him, he has his beds, but I want to be able to visit properly.
Hope they're LONG beds!
Enjoy your visit. It will be a great Thanksgiving.
This is the short one.
When my little/big brother gratuated from college, slept on a rollaway bed (feet flat on the floor) for a couple years until his student loans were paid off. His FIRST purchase after he was out of debt was a custom-made bed and linens.
We'll get up to make breakfast on Christmas Day but we don't clean rooms. We let guests know the housekeeping staff is off that day.
Everyday, for good or ill, we intersect with some else's story and become a part of it.
We have the advantage of each room upstairs has electric baseboard heating. I keep heat in the bathrooms with the doors closed (on low) because all pipes are on outside walls (although all bathrooms are now well-insulated due to all having been remodeled/created since 2006). Guestrooms are heated on low only when the temps really dive, otherwise they are turned off. We keep the central heat downstairs at about 66 now (DH is getting worwe tolerating cold) during the day and 60 at night. We wear sweaters and fleece jacket (me) and plug in an electric heater in his area.
January has been our worst bill the last 2 years. We have 2053 sq ft of house.
Month gas units/cost KW / cost (both are raw costs - no taxes added)
January 2010 21 254.31 2263 189.76
January 2011 23 263.99 1731 156.14
I thought an inn here closed all of January?
I am looking at it due to our blinkin' power bill over those months. I paid this past months which is 1/3 of what Dec or Jan is, and we wear sweaters and are not super warm in here, let me assure you. I know I ask this every year and every year I end up "going with the flow" but thought, hm weekends only, and perhaps a 2 night min to make the $ worthwhile. But then in the off season will have some attorney here on a case or visiting business person and it all goes out the window. I just don't want to be open and have to heat everything for ONE ROOM ONE NIGHT.
DH and I will be sitting down this evening and discussing, so I wanted to get your feedback. I have shown him the figures so we need to talk about winterizing this house better, doing something! Insulation is not done properly in some areas of this place, or critters have pulled it out!
We close in Jan. We reopen the day our usual repeat guests show up for their week's vacation. Whatever day in Feb that is. Don't know what we'll do if they decide to not show up one year. ;) Other than some groups who want to book the whole house we rarely get calls for Jan. It's Feb when things pick up again. We look forward to this in an alarmingly desperate way. We need this time.
When we close in Jan, everything in the inn gets unplugged and turned off including alarm clocks, the guest fridge, the computer, TV's, all of that. We do leave the pilots on the gas stoves for a little heat. Then the thermostat goes down to 55. In an ironic twist, last year's Jan electric bill, with everything shut off was higher than Dec when we have Christmas lights, laundry and all of that.
We could probably shut down for March as well because it is nowhere near spring here at that time.
We are big enough that I can operate easily with one room out service at a time so we just try and do renovations when it is quieter. all the big jobs that do make internal mess done now so the next one is the roof!
Don't mess with me today or I will kill you!!!!
We keep the same rates and minimums all year. When people ask about a winter rate, I just tell them we keep the same rates all year, but probably our rates next sumer will be higher.
Then we just go with the flow. Whoever books, great, but I'm not going to obsess about it. It gives us time to do projects that we have put off. We'll be having the hardwood floors redone in 2 guest rooms this winter, repairs and if there's any money leftover, we'll tile our OQ bathroom which didn't get done last winter.
Weekends only for January and February. We do our projects during the weekdays.
There are no rules, just follow your heart. ~ Robin Williams
Business as usual unless we see some time where there is nothing happening, then we close up shop and go on vacation.


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05 Sep 2017 23:28
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News Releases
June Adams, 2017 Cedarville M.S.N. graduate, named "Safety Champion" by the Cleveland Clinic
One Cedarville graduate has proven that safety is about more than protecting the physical body — it's about caring for people's hearts.
June Adams, staff nurse for the Cleveland Clinic Akron General Medical Center and 2017 Cedarville University Master of Science in Nursing (M.S.N.) graduate, was named a "Safety Champion" by the Cleveland Clinic in an awards ceremony in April.
Publication Date
Cedarville, Cedarville University, nursing, M.S.N., graduate, Cleveland Clinic
Recommended Citation
Weinstein, Mark D., "Cleveland Clinic Honors Cedarville Nurse as Safety Champion" (2018). News Releases. 719.


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In what is believed to be a first for computer retailers, Harvey Norman has announced an agreement with lease financing company FlexiRent which will allow home users to purchase computer equipment under rental plans in the same manner business customers have enjoyed for the past two years.
As an added incentive, for two months from June 1, business and consumer customers using a FlexiRent lease to make a $1500-or-more purchase from retailing giant Harvey Norman will be given a complimentary Nintendo 64 or Sony Playstation.
Developed to cater for increasing demand from Harvey Norman's non-business customers, this rental service is now available to home users thanks to a new Consumer Lease cat-egory under the new uniform Australian Credit Code which previously barred such contracts.
FlexiRent's managing director, David Berkman, told ARN last week that after trialling the program for two months at Harvey Norman, he is hoping to roll it out to many of the 600-plus independent Australian retailers already offering lease contracts to their business customers.
A huge response
"The expansion of this service to average consumers has been demand-driven. Every time we ran an advertising campaign there would be a rush of applications from home users and we were getting pressure from retailers who had to turn away a host of potential customers," said Berkman. "Now if they fill the set criteria they too will be able to take advantage of the benefits offered by rental agreements."
Tony Gattari, Harvey Norman's general manager of computers and communication, said the introductory FlexiRent giveaway will operate in all stores nationwide, although credit laws in Western Australia still preclude the company from offering leases to individual consumers in that state.
"As far as we know, we are pioneering this concept to non-business customers in Australia. We are excited by its potential as it offers many benefits to our customers, let alone the incredible ability for them to upgrade equipment.
"Upgrading will now just be a case of adjusting the rental agreement," Gattari said.
"I think the greatest concern that most computer users have and the biggest barrier to them upgrading is if they make a $4000 purchase, it will be worth nothing in two years time. That makes them hang onto their existing systems longer than they would like to."


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By Irene Gammel,Benjamin Lefebvre
The fresh a hundred yr anniversary of the 1st ebook of L.M. Montgomery's Anne of eco-friendly Gables has encouraged renewed curiosity in a single of Canada's such a lot loved fictional icons. The overseas allure of the red-haired orphan has no longer lowered during the last century, and the cultural meanings of her tale keep growing and alter. the unique essays in Anne's World supply clean and well timed methods to problems with tradition, id, wellbeing and fitness, and globalization as they observe to Montgomery's well-known personality and to present day readers.
In dialog with one another and with the paintings of prior specialists, the members to Anne's World talk about issues as different as Anne in type, the worldwide surrounding Anne, how the radical can be utilized as a device to counteract melancholy, and the prospect that Anne suffers from Fetal Alcohol Syndrome. Anne in translation and its edition for movie and tv also are thought of. by way of setting up new how one can study one in every of renowned culture's so much loved characters, the essays of Anne's World reveal the undying and ongoing charm of L.M. Montgomery's writing.
Read Online or Download Anne's World: A New Century of Anne of Green Gables PDF
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An 11th-hour deportation order kept the so-called Queens zucchini bandit in the cooler last night.
Fulton Guevara, 33, served about seven years in prison for using a zucchini he pretended was a gun to rob a man of a watch and $20.
But a Queens judge yesterday ordered him held until he's transferred into the custody of immigration officials.


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Pickled eggs that are bright green – these are perfect with sticky chicken livers.Read more
Posts tagged: #british recipe
George's bubble & squeak
This is a great British classic ,which makes the most of left overs and makes 'em tasty.Read more
Guard of honour for family and dogs
This is one of those really simple dishes that takes minimal preparation but gets lots of oohs and aahs.Read more
Noel's cinnamon lemon chicken with rice
Chicken… Good! Lemon… Good! Cinnamon… Mmmmm. This dish has 'em all and takes less than an hour to get on the table.Read more
Ashley's beef stew with smoked oysters
Soft-as-butter beef and rich smoky oysters create this stew that's well worth the wait.Read more
Sam's Turkish fish stew
This dish is the perfect triumvirate: quick to cook, tasty to eat and healthy to boot. make it… make it now.Read more
Erinn's Bánh mì (pork roll)
This is Asian street food with a western dash of élan – the pâté and the pickles make the pork go boomRead more


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Published at Wednesday, October 16th, 2019 - 07:00:19 AM. Coloring. By Lucas Beck.
Excerpt from X Men Coloring Book :
X men coloring book online books uncategorized uncanny dark phoenix comic relief. How to draw beast from x men drawingforall net coloring book online books uncategorized. X men coloring book online books pages free and printable.
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We like to boast that our bikes magically transform stressful transportation time into quality family time with the turn of a pedal. And it's true. "Our 4-year old son was gleefully hooting and hollering the whole ride to preschool this morning — something we've never heard him do from his carseat!" – Annie & Travis Riddell from Jackson,… Read more »
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A New Accessory Gives Little Ones a "Leg Up"
Many Yuba riding parents have been asking us for an accessory that helps smaller "Big Kids" keep their balance while riding on the back of the Mundo. We brought this problem to our engineers, and they came up with this simple, effective solution. Meet the Leg Up The Leg Up accessory is part of… Read more »


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I want to open a discussion with you guys about the future of mobile game indie and hear your thoughts and opinions =D !!
I want to open a discussion with you guys about the future of mobile game indie and hear your thoughts and opinions =D !!
If it's for a hobby, go for it. It's almost impossible to make any money, the race to the bottom guaranteed that and now it's dominated by the top 1% of 1% of companies.
You're better off on Steam, Game Jolt, or Itch.io
I released my first mobile game a week ago and it was a great experience, but i will never get the 200 hours paid.
If you want to make a living, mobile is not the way to do it. But it's really cool since your game can reach so many ppl around the globe eventually :)
I mean.. come on, my app has 36 downloads in india, pakistan, sri lanka, brasil, this is the coolest thing ever!
And i hope it will bring fun to those ppl and inspire them to build great games themselfes ^_^
It's the most challenging platform that you can come across as a game developer, not just due to the massive competition but also due to a range of technical limitations and considerations that you will have to keep in mind while developing your game.
But coming to your actual question, the future of mobile gaming is bright and it will always have it's place, as a casual gaming medium, unless you are Gameloft or Tell Tale Games you cannot hope to release a narrative driven game on mobile platform with the hopes that it would earn you big money. Moreover building 3D story driven games for mobile platform is a headache from a technical POV (especially for indies)
If you are developing a game that's casual and/or competitive in nature then there's lot of potential, but keep in mind that without proper Marketing PR strategy and execution your game will stand no chance unless it has some really unique and "first time ever" feature with the potential of going viral.
It is possible to make decent amount of money from mobile games but only if you do three things (apart from making a great game, of course),
1) Monetization Design - Most indie and first developers make the mistake of designing the monetization features pretty late into the development, most of them won't even have monetization design except for few ad integrations with really bad choice of ad placement. For your monetization feature to be successful it has to go hand in hand with the game, it has to be seamless and for that to happen you need to start designing your monetization features right from the beginning.
Secondly there's a proper way to integrate ads, it's not to bombard the app with ads and offer a "remove ad" option, this method will always back fire. You need to find the right balance, check how Subway Surfers and Color Switch handles ads for example.
2) Promotions - As I said earlier Marketing PR is almost as important as your game. Follow the advice/suggestions given by Tim (founder of this site), Indie Game Girl and Soomla, because at the end of the day money comes only if you have a considerable amount of downloads and active users and that's achieved by proper marketing and clever design.
3) Retention - Mobile games are short lived, people will tend to uninstall games after a while and 90-95% of them won't return after 3 months (if your game happens to survive till then) so design your retention strategies right from the very beginning and integrate them seamlessly into the game. Think of it like movies, a movie upon release will only have few weeks of business after which it would flat line completely, 70% of movie's earning is made within the first 2 or 3 weeks.
In a similar way you need to plan your release and structure your promotional campaign in such a way that you can maximize earnings in the game's early months, because as we all know active users will drop drastically over time and your's games earning potential will fall as the days pass. but with proper retention strategies and a great game you ca manage to retain 20-30% users and trust me that's a lot.
Thanks guys =D !! If mobile is that hard what other platforms do you suggest for casual games ?


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No Time For Losers: Varsity Girls' Tennis Brings Home the 'Ship
November 5, 2018
It's been a long time coming. The Lady Eagles of the Rocky Mount Academy girls' tennis team brought home the NCISAA 2A State Championship title on October 27th. The season was packed full of conference and non-conference matches and tons of practice hours. The hardwork and dedication displayed by the team was not wasted; they finished the season with an undefeated conference record, a 20-1 over record, and shiny first place medals on each player's neck. The plethora of matches played leading to the victory were not as easy as some may believe. The team even played some matches that came down to one singles court, such as one against their newfound rival, The O'Neal School from Southern Pines. Over the season, the girls grew incredibly close as a team and critiqued their skills to perfection. Read below for all the ingredients that combine to make a State Champion team!
The girls would not have made it so far without the help of their dedicated coaches. Coach and Athletic Director Gayle High formed a busy schedule of matches for the team, which included difficult non-conference matches that greatly aided in their seeding for states. She helped the team develop stronger skills at the net, focusing on the art of poaching and maintaining confidence on the court. Augustine Gonzalez is the other half of the dynamic duo of coaches. Gus, as the team calls him, helped the girls with strategy. All players were instructed on consistency and when to make all the right moves. He helped the doubles teams make plays that dominated the competition. Together, their coaching styles helped form a team that simply could not be beaten physically or mentally.
I hold the first seed spot on the tennis team. I have been on the varsity team with Coach High since seventh grade, and I can honestly say I have never been more proud of any other season. My favorite memory from this season was definitely the moment that loud music from a soccer game began blaring out of speakers at our State Championship match. While the other team was bothered, our team felt the rhythm and got even more pumped up! Caroline was dancing on the court! I am so incredibly proud of how hard my team worked from the last week of July to the last week of October.
Ann Sumner Thorp, the human backboard, is the team's number two seed. This season, Ann Sumner blossomed into an incredibly consistent player at the baseline who is also not afraid to smash an overhead at the net. Her favorite memory from the season was that feeling of winning the championship. Ann Sumner could not stop herself from smiling all day from nerves and excitement, and when we won the title, she was beaming the hardest.
The feisty Caroline Gay is the team's third seed. Caroline is the type of person that leaves everything on the court. Together, she and her lucky sweatband cannot be beaten. This is proven by the fact that she only lost one out of 20 singles matches this year. Caroline has a plethora of amazing memories she made this year and most important are seeing the beautiful posters on her Senior Night and the JV/Varsity play day with fun costumes. If Caroline could say anything to her teammates, she would tell them she loves them all and wouldn't rather play tennis with anyone else!
Ada Everette is the unstoppable fourth seed. The most valuable thing Ada learned this season is that teamwork is everything. She believes that without the support of each other, the team would not have won the championship title. On the day of the championship, the only thoughts running through her mind were that losing is not an option and being sick is no excuse! Ada's determination and hustle greatly helped the team have an amazing season.
Sweet Shelton Honey serves it up at the team's fifth seed spot. Shelton has an incredible singles and doubles record. At practices, she is always the first to talk about her school day and make people break into smiles with her humor. Her favorite memory from the season is coming back and winning her tight doubles match with Lillie at the State Championship. The match secured a 2-1 lead after the doubles round for the girls, giving the team huge momentum for singles.
Lillie Daughtride is the sixth seed and the heart of the team's spirit. She leads our team chants before and after matches, and she embodies the term "Eagle Pride." She encourages her teammates like no other, always offering a cheer or helping them get over a loss. My favorite memory of Lillie during the season is when she woke up before the rest of her roommates on the day of the State Championship match and loudly announced, "Let's get this bread." In the end, the varsity girls brought home the bread, and it could not have been done without this cheerful girl.
Ari Henderson, Bea Barnhill, and Eliza Meyers are the teams 6th-8th seeds. The girls showed constant support for their teammates, and there never was a dull moment with them around. They helped add an incredibly fun nature to the team dynamic, and the season would not have been the same without them.


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Alert Logic® has added notifications for incidents originating from Amazon GuardDuty. GuardDuty is a threat detection service that continuously monitors for malicious activity and unauthorized behavior to protect your Amazon Web Services accounts and workloads. The Alert Logic GuardDuty integration lets you view and respond to GuardDuty findings on a single screen with all other detected incidents.
In the Alert Logic console, notifications are configured based on the threat level of the incident. With the added notification support, GuardDuty incidents are now included in notifications based on their threat level. Amazon provides guidance about severity levels for GuardDuty findings, which correspond to Alert Logic threat levels, in their documentation.
Subscribe to Notifications
To configure incident notifications, navigate to Incidents > Notifications in the Alert Logic console, select the Threat Levels for which you wish to receive notifications, and click Save.


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Portuguese Cacoila SeasoningSharing is Knowledge
Cacoila Seasoning Mix – A flavorful blend of authentic spices to make Cacoila. This seasoning mix is used to make the Portuguese Cacoila. Cacoila is a delicious Portuguese-style of pulled pork or beef.
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Portuguese Cacoila Seasoning Mix Ingredients: salt, garlic, onion, Portuguese all-spice, paprika, parsley, black pepper, hot crushed red pepper, Portuguese pure safflower, bay leaf


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Autumn Leaves & Conkers
7 comments
Very pretty card! Love the stamp you chose and the lovely colors. Thanks for playing along with us at Just Us Girls!ReplyDelete
Gorgeous autumnal card.ReplyDelete
Yes . . . apparently spiders don't like horse chestnut . . . that's what's in the spray that Lakelands sell!
Hugs, Sarn xxx
Such fun leaves - love the background you created. It's perfectly backed with the textured kraft. Thank you for playing along with us at Freshly Made Sketches. (I had to look up conkers!)ReplyDelete
I love your 'specialty' DSP! ;) This is such a fun and cheerful card for a fall birthday. Thanks for sharing with us at Freshly Made Sketches!ReplyDelete
Lindsey, great to see you here. Love this card. The colours you've used for the leaves are just super and I do like the texture on the banner too. Thanks so much for playing along with The Male Room this week! Deborah, DT xxReplyDelete
Lovely card, the simplicity is gorgeous. Thank you for joining in with us at The Male Room.ReplyDelete
Buffy x
Beautiful image and colouring, love the texture and the shape. Thank you for joining us The Male Room challenge. Faith DTReplyDelete
PS I did the same with the fab conkers, - sorry it didn't work with the spiders. I won't tell your son LOL.
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In line with new Data Protection legislation (GDPR) by commenting you do so in the knowledge that your name & comment are visible to all who visit this blog and thereby consent to the use of that personal information for that specific purpose.


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In Canvas you have options to track student activity via Course Analytics, Course Statistics, Student Analytics, and the new Analytics Beta tool. You can view your own interactions with a student, and view a summary of all student interactions in your site. At this time Canvas analytics do not measure activity on mobile devices, with the exception of Analytics Beta which does measure activity across devices. For more information on the Grades area in Canvas, see our other resources.
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A federal court has conditionally certified a class action for Texas Farm Bureau Insurance Agents. Texas Farm Bureau is prohibited from firing or retaliating against Agents for joining. If you're a former or current Texas Farm Bureau Agent, you may qualify for overtime pay. Please fill out a form or call us at (713) 230-2384. Click here to read the order.
Williams Hart is honored to announce its campaign to protect the working conditions of Texas Farm Bureau insurance agents in the lawsuit known as English v. Texas Farm Bureau et al. The basis for the lawsuit is straightforward. The current and former agents allege that their working conditions entitle them to overtime pay for overtime worked under a federal law called the Fair Labor Standards Act.
What working conditions give rise to the suit? The Agents maintain that while they were promised that they would be their own bosses in charge of their own businesses, they allege that the Texas Farm Bureau controlled their work like a regular employee. Under the Fair Labor Standards Act, agents who are treated like employees may have a federal right to receive overtime pay when they work more than 40 hours in a week. If you are an agent in this situation, contact the Texas Farm Bureau unpaid overtime attorneys with Williams Hart to learn more about how you may be able to recover overtime pay you may be owed. Call (713) 230-2384 to set up your free consultation.
According to the lawsuit, the agents allege that they have been improperly classified as independent contractors rather than employees. (To learn more about the agents' claims, click here for a copy of the lawsuit.) The agents allege that under the FLSA, they are employees entitled to 1.5 times normal pay when working more than 40 hours in a given week. If the Agents claims are successful, they will seek overtime pay under the FLSA.
Texas Farm Bureau responded to the lawsuit, denied the Agents' allegations, and raised defenses to the claims, including the defense that agents are exempt from the FLSA as outside salespeople. If Agents are exempt, they are not entitled to overtime. (Click here for Texas Farm Bureau and Southern Farm Bureau Life's answers to the lawsuit). Agents who have joined the lawsuit dispute that they are exempt.
If you are a Texas Farm Bureau agent and have experienced this kind of treatment by the company without receiving overtime pay, you may be entitled to compensation. Under the FLSA, Texas Farm Bureau is prohibited from firing or retaliating against Agents who join.
Furthermore, the Agents in English v. Texas Farm Bureau et al. are not the first group to accuse the company of unfair labor standards. A separate group of agency managers has already made similar allegations in another case, Ferguson v. Texas Farm Bureau et al., which was filed earlier last year.
Joining an unpaid overtime lawsuit could potentially help you to win the fair compensation you may deserve. The exact amount of damages you would be able to recover depends on how much overtime pay you've rightfully earned and whether you are exempt from the FLSA. If a federal court agrees that the Agents in the Texas Farm Bureau case are being treated as employees, are not exempt from the FLSA, and are therefore entitled to overtime pay, anyone who joins the suit may potentially receive a sum of money in back pay and penalties.
For non-exempt employees, the FLSA requires 1.5 times normal pay for any hours beyond 40 worked in a single week. This means that if Texas Farm Bureau paid you at your normal rate for any hours beyond 40 in a single week, you could be entitled to an additional 50 percent of your normal rate for every hour of overtime you've worked for them. Additionally, you may be entitled to 'liquidated damages' equal to the amount of unpaid overtime as a penalty for their unfair treatment of workers. This means that, in effect, you could stand to win a total of twice the amount of overtime pay Texas Farm Bureau may owe you.
Our nation's labor laws are there to protect hard workers like you from unfair treatment by employers. An experienced overtime pay lawyer from Williams Hart can help you understand your rights as a worker. If you're a former or current Texas Farm Bureau agent and you think you may also qualify for overtime pay, please fill out this form. We'll tell you free of charge whether you may be entitled to get overtime pay specified under federal law.
At Williams Hart, we are committed to helping hardworking Texans get the compensation they've earned, and this overtime pay lawsuit against Texas Farm Bureau is a part of that commitment. Our Texas Farm Bureau overtime pay attorneys are ready to stand up for your rights and increase your chances of being compensated for unpaid overtime. Contact Williams Hart online or call us today at (713) 230-2384 to learn about how we help employees under the Fair Labor Standards Act.


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Canada Enterprise Network will provide answers to your online business questions. A method with phrases, enthusiasm and persistence are all vital on this aggressive enterprise. Networking-by growing contacts with reporters and other media-can be crucial to serving to your shoppers go public with press releases and extra. Faucet right into a surging market as a computer consultant. Whether or not you're an expert at Linux, putting together hardware parts, or networking, a growing variety of laptop "newbies" will surely profit from your services.
Taking a business service management orientation in relation to your IT processes will result in better informed organizational choices, because of enhanced visibility and key insights into relationships which weren't previously considered. As an alternative of focusing on server and network monitoring in isolation, the focus is now positioned on the connection to enterprise processes akin to order processing, production and payroll.
Enterprise Service Administration lead business to digital transformation and improve the rate of IT, Manage IT belongings with efficiency and control throughout their lifecycle, and give end-customers a contemporary option to work together with IT and other shared service groups.
Past higher response to an incident after the very fact, IT operations could be more proactive in analyzing the configuration of the service to determine single points of failure. The potential to view historical configuration info and changes is also supplied so IT operations can trace outages to particular adjustments on particular elements over a defined time period. That is great information for challenged operations groups as we all know that maximizing service availability is without doubt one of the most important IT targets.
Getting essentially the most return out of your IT investment begins with a transparent view of all of your hardware and software assets. IT asset administration software ought to be able to discover IT assets throughout the environment (agent and agentless choices) and connect IT belongings to companies for higher change administration and quicker challenge resolution. Look for manageability options that deploy, configure, and patch units, working programs, and functions.


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Herbal Essences Naked Shine Shampoo 400ml
Herbal Essences
£3.99Add to wishlist
Are you ready to restore your hair's natural, glistening shine and invigorate your senses? Herbal Essences Clearly Naked Shine Shampoo leaves on your hair a beautiful silky shine, just as nature intended. Its silicone-free formula cleanses your hair, while you enjoy the rejuvenating scent of white tea and mint.
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SHIPPINGWhen you place an order, we will estimate shipping and delivery dates for you based on the availability of your items and the shipping options you choose. Depending on the shipping provider you choose, shipping date estimates may appear on the shipping quotes page here.
Please also note that the shipping rates for many items we sell are weight-based. The weight of any such item can be found on its detail page.
for more information visit Delivery Information page here.


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Capital is an essential measurement of an institution's financial resilience. It works as a cushion against losses and as protection for accountholders when a bank is struggling financially. From a safety and soundness perspective, more capital is preferred.
The State Bank of Faribault received a score of 12 out of a possible 30 points on our test to measure the adequacy of a bank's capital, lower than the national average of 13.13.
A bank's Tier 1 capital ratio is a widely used measure of this buffer. The State Bank of Faribault's Tier 1 capital ratio was 13.31 percent, above the 6 percent level regulators consider adequate, but less than the national average of 25.65 percent. The higher the capital ratio, the better the bank will be able to weather financial difficulties.
Overall, The State Bank of Faribault held equity amounting to 10.77 percent of its assets, which was lower than the national average of 12.03 percent.
In this test, Bankrate tries to determine the impact of problem assets, such as past-due loans, on the bank's loan loss reserves and overall capitalization.
A bank with lots of these types of assets could eventually have to use capital to cover losses, diminishing its buffer of equity. It also means that there are likely to be many assets that are in non-accrual status and no longer earning interest for the bank, diminishing earnings and increasing the risk of a failure in the future.
The State Bank of Faribault did better than the national average of 37.49 on Bankrate's test of asset quality, racking up 40 out of a possible 40 points .
The percentage of problem assets a bank holds compared to its total assets is a useful indicator of asset quality.As of December 31, 2017, 0.09 percent of The State Bank of Faribault's loans were noncurrent, meaning they were more than 90 days past due or were in non-accrual status. That's below the national average of 1.01 percent.
Banks maintain a reserve known as an "allowance for loan and lease losses" to deal with troubled assets . That reserve's size can be a helpful indicator when evaluating a bank's ability to manage troubled assets, especially when compared to the total amount of problematic loans. The State Bank of Faribault's loan loss allowance was 1,978.90 percent of its total noncurrent loans, above the national average. All things being equal, the higher the ratio of loan loss allowance to noncurrent loans, the better.
A bank's profitability affects its safety and soundness. A bank can retain its earnings, expanding its capital buffer, or use them to address problematic loans, potentially making the bank better able to withstand financial shocks. Obviously, banks that are losing money are less able to do those things.
The State Bank of Faribault beat the national average on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
Return on equity, calculated by dividing net income (profit, basically) by total equity, is one important way to measure a bank's earnings. The most recent annualized quarterly return on equity for The State Bank of Faribault was 10.12 percent, above the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank earned net income of $2.1 million on total equity of $21.4 million. The bank had an annualized return on average assets, or ROA, of 1.12 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.
Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.
Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.


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At the Circulating Library Author Information: Anton Giulio Barrili
Author: Anton Giulio Barrili (1836–1908)
Biography: Italian novelist.
Fiction Titles:
- Eleventh Commandment. 2 vol. London: Remington, 1883.
- The Devil's Portrait: A Story. 2 vol. London: Remington, 1885.
- A Noble Kinsman: A Novel. 2 vol. London: T. Fisher Unwin, 1885.


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"Outsourcing our IT to Lenity Technology was a great decision and I'd highly recommend contacting them for IT support services."
-Elaine Norland, President, A Cone Zone, Inc.
Lenity Technology helped A Cone Zone transform their IT systems into a redundant and worry-free structure. Read More…
"We've used Lenity Technology for several years at all of our properties. With their help, we've transitioned away from outdated technology and now utilize a modern and efficiently managed IT infrastructure."
-Rich Sladick, VP of California Operations, Allmark Properties, Inc.


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Harris Rabin is the Chief Marketing Officer of Vireo Health. In this role, Rabin oversees brand marketing, e-commerce, and sales efforts. Rabin brings two decades of experience, including senior leadership roles in the consumer healthcare and beverage alcohol industries. Rabin is an accomplished marketing leader with a proven and consistent track record. He most recently served as Global Vice President of Marketing at Anheuser-Busch InBev (ABInBev), where he led brand building efforts for a multi-billion dollar global portfolio of core beer brands. At InBev, Rabin led brand development across global markets, including the global expansion of Michelob Ultra, the $1+ billion brand pioneering the "Better-For-You" category.
Prior to ABInBev, Rabin worked for nearly a decade at Bayer HealthCare as a brand builder in the Consumer Health division, where he built brands and ultimately oversaw the Global Aspirin franchise, growing the Aspirin business to the highest on record, consistently exceeding expectations.
Harris joined Vireo to grow and develop the company's brand portfolio and help leverage our medical and science expertise to provide best-in-class products and patient experiences. Rabin has a bachelor's degree with high honors in mathematics & economics from Northwestern University, and an MBA from MIT Sloan School of Management with a focus on marketing and new product development.
He lives in NYC with his wife and three children.


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글 수 103,447
2020.01.16 15:37:15 (*.61.165.41)
Our life style these days can be hectic and fast-paced, which limits our time, to achieve our everyday activities. That makes our want for e-commerce and technology a lot more essential than ever. Their combined energy makes it straightforward to apply for a credit card on-line. If you have decided to apply on the web for a card, you will fill in an application form at the site of the credit card business. When you do, there are a few items you might want to consider as you apply for your new card:
1. In the event people require to discover more on advertisers, we recommend many databases you should think about pursuing. The internet site ought to give you access to credit cards from all main banks including: Chase, Find out, CitiBank, American Express, Advanta...
two. The site ought to let you to make credit card comparisons.
three. Data about each credit card ought to be explained in detail so you know the apr, balance transfer fees, cash advance charges, fixed apr, annual fees and so on.
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5. You may possibly also want to contemplate the sort of card you want to have, i.e. If you believe anything, you will possibly wish to read about www.amazon.com/mechanics-online-reputation-management-control/dp/1519762259. gas card, airline card, reward card...
The application type you will fill out on the web is really related to the one particular you would fill out at the bank, and the application processing approach is generally the exact same. Credit card issuers encourage you to apply for credit cards on the internet so they could conserve income on salaries, buyer service, time, paper and much more. Plus, when you apply on the web for a credit card, your data smoothly flows into the database of the credit card issuer. Normally, this leads to more rapidly processing of your credit card application and often if you apply on-line for a credit card, the card you applied for will arrive to your mailbox considerably faster than it would arrive if you had applied in particular person for a card. Additional, if you apply on-line for a credit card, you do not waste time physically approaching one particular credit card company at a time, as an alternative you can compare numerous diverse cards and card issuers at 1 internet site. That will conserve you a great deal of time discovering the correct credit card.
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- ElvinQ8682239939 » ÂÎËÃÎÃÐÀÄÑÊÀÿ ÎÁËÀÑÒÍÀÿ ÎÐÃÀÍÈÇÀÖÈÿ ÃÎÐÍÎ-ÌÅÒÀËËÓÐÃÈ÷ÅÑÊÎÃÎ ÏÐÎÔÑÎ,
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- This event has passed.
Global Supply Chains in Times of Uncertainty
October 29, 2018 @ 5:30 PM - 8:00 PM
How tariffs and trade policy affects supply chains' operations and finances. Four expert panelists and great presenters will offer their perspectives and predictions.
Moderated by: Dr. Debra Glassman, Faculty Director at the Global Business Center, University of Washington Foster School of Business
Bill Bryant, Chairman, Bryant Christie, Inc., Seattle
Bryant is an expert in the international trade of agricultural products, former Seattle Port Commissioner, and prior gubernatorial candidate
Fraser Mendel, Attorney at Law, Mendel Owens, Seattle
Mendel specializes in helping companies develop global strategies, particularly with respect to contracts and intellectual property protection
Sam Cho, Founder & CEO, Seven Seas Export LLC, Seattle
Cho served in Washington DC during the Obama Administration and is currently a Commissioner on Washington State's Commission on Asian Pacific American Affairs
Monday, October 29, 2018
Event Location:
The Law Firm Foster Pepper PLLC
1111 3rd Avenue
Suite 3000
Seattle, WA 98101
$40 Non-Member
$30 Member
$20 Young Professional Member
$10 Student


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Asus Eee PC 4G White (In Stock)
Asus Eee PC 4G White is another refreshment coming from the Asus company. Even though it has the same configuration as previously mentioned models, the white color really boosts its appeal. Nowadays, notebooks are mostly in dark colors, such as black or gray, but Asus has managed to surprises with something new and innovative.
They are currently offering four more colors besides white. Unfortunately, we are only providing Asus Eee PC 4G in two colors, black and white. Please refer to our configuration list for additional information. You can also choose to customize this device by selection some of the options down below.
Intel CPU with 512MB of RAM, 4GB Solid State Disc (SSD) Hard Disk and B/G Wifi
Contact me – Email: email@example.com Contacts Page
Mobility & Reliability
At 7″ and weighing only 0.92kg, you can take the Eee PC anywhere. Bumps and shocks are no longer issues. With a dependable solid-state disk, you get unparalleled shock-protection and reliability. Power-efficient design provides longer operating time when on the go
Ease & Technology
With a rapid start-up time, the Eee PC is always ready to get into action. No technical manual required with the specially designed, user-friendly and intuitive graphic interface
Work & Connectivity
You're always connected with built-in WiFi 802.11 b/g that automatically detects and connects to the Internet at any hotspot. The Eee PC includes the documents and the e-mails software, and a suite of other productivity software to help keep you on track. Upload photos and videos and share them instantly on Flickr or YouTube without waiting till you get home
Media & Entertainment
Enjoy music and videos with extensive support for a wide range of digital multimedia, Log on to Skype or other network, and you can connect with friends anywhere, anytime. Clear up wire clutter with the built-in card reader, camera, speakers, and microphone
- Display: 7inch
- Chipset: Intel CPU, Chipset and GPU
- Operating system: Linux (Modified Xandros)
- Ethernet: 10/100Mbps
- Wireless: 802.11b/ 802.11g
- Memory: 512MB (DDR2)
- Hard disk: 4GB solid state disk
- Sound: Stereo speaker with microphone
- Battery: 4 Cells 4400 mAh (3.5 hours normal usage)
- Weight: 0.92KG


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Squats are great for training your lower body and your core. They can help to create definition of the thighs and buttocks.
Nothing. You use your own body weight to perform squats, unless you want to add an exercise ball to lean against.
Quadriceps, gluteus maximus, hamstrings, hip adductors, hip abductors, gastrocnemius (calf), soleus, tibias anterior, rectus abdominals and erector spinae are all worked hard in squats.
Aside from the benefits to thighs and buttocks, squats are a low impact exercise and can also improve your posture, digestion and circulation.
Stand up straight with your feet hip-width apart. With arms down by your side, lower your body as if you were about to sit down on a chair, by bending the knees and pushing hips back.
As you lower, bring your arms out to the front to act as a counter balance. The lower body should be parallel with the floor and then pause before lifting back up to a standing position.
Squats are a low impact exercise so anyone can do them.
With an exercise ball behind your back, lean back slightly against the ball as you squat low, and let the ball roll up your back.
Try a dumbbell in each hand and keep them down by your side once you are well versed at the squat.
Lower yourself further each time you try squats so that you are going into a deep squat for best results.
I did the 100 squats a day challenge a few weeks ago and it made a real difference. If you do enough, it seems they're all you need to do to tone your lower half.


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NEW ORLEANS – A laborer alleges his former Kenner employer failed to pay the correct rate for overtime work and has filed a class-action suit.
Horian Elias Maradiaga, individually and on behalf of all others similarly situated filed a complaint, on April 14 in the U.S. District Court for the Eastern District of Louisiana against C.M.C. Drywall Inc. and Tulio Murillo alleging that they violated the Fair Labor Standards Act.
According to the complaint, the plaintiff alleges that between 2013 and August 2016, plaintiff suffered monetary damages for not being paid one-and-a-half times his regular hourly rate for all hours worked in excess of 40 per week. The plaintiff holds C.M.C. Drywall Inc. and Murillo responsible because the defendants allegedly paid him regular wages instead of the proper overtime pay rate.
The plaintiff requests a trial by jury and seeks unpaid overtime wages, interest, liquidated damages, attorneys' fees and costs and such other general and equitable relief as the court deems equitable. He is represented by Roberto Luis Costales, William H. Beaumont and Emily A. Westermeier of Beaumont Costales LLC in New Orleans.
U.S. District Court for the Eastern District of Louisiana Case number 2:17-cv-03469


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GriefLink was re-launched on February 20th at Anglicare SA by Mrs Lan Le, wife of His Excellency the Governor of South Australia, The Honourable Hieu Van Le AC.
Mrs Le:
Distinguished guests, ladies and gentlemen, good afternoon!
I am delighted to join you here at Anglicare Hindmarsh for the relaunch of the GriefLink website.
At some stage, loss and grief are very much a part of everyone's lives.
But it is a part of life for which we are often unprepared.
We may not know how to cope with grief, who to speak to, or where to turn for help when we need it most.
The deep effect that a bereavement may have on someone can be underestimated by themselves and others.
People may not know how to interact with friends, loved ones or colleagues who are dealing with their grief.
The GriefLink website provides invaluable pointers and advice to enable people to understand what grief may feel like, and how to face it.
It also has signposts for where to go for further help.
The website is written as if a warm, caring and understanding person is there to help smooth the way.
As a former social worker, I know the value of people being gently guided and supported through their individual journey.
I am sure this resource will be invaluable to bereaved people and their families, friends and carers; as well as support groups and health-and-welfare organisations.
Now that the update includes optimisation for tablets, mobile phones and laptops, the information will be more accessible.
Thank you to all the organisations who have supported GriefLink since its inception in 1999 – particularly the volunteers who manage the site.
You are all helping to make a difference to people's lives at a critical time.
Thank you.
Page last updated: 8 March, 2019


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In this short segment of Marina's Legacy Video, she is joined by her husband, Igor, who talks about the year 1948, when Communism from the Soviet Union arrived in his country, Czechoslovakia. All travel, foreign publications, and music were absolutely prohibited. Life for his country changed from that year onward.
Recorded, July 2015 in New York City.
To learn how easy it is to create your own legacy video with us, please download this introduction.


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Category: Economy, Budget and Taxes
SB 47 (2015) repealing the payment of subminimum wages to persons with disabilities.
House/Senate Bill: NH Senate
Description: Prohibits employers from employing individuals with disabilities at an hourly rate lower than the federal minimum wage except for practical experience or training programs and family businesses.
Bill Sponsor: Andrew Hosmer
Bill Co Sponsor: Bette Lasky, Donna Soucy, Martha Fuller Clark
Next Hearing Date: Tue, 03/24/2015
Next Voting Date: Wed, 04/15/2015
Link to Full Bill:


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In order to be able to sell gift certificates you need to setup a gift certificates SKU type.
To create a SKU
- From the main menu, navigate to Admin > Product Maintenance.
- Click Add New.
- Complete the following in the Product Profile tab:
- Active SKU: Ensure that the checkbox is selected.
- SKU #: Enter a SKU for the gift certificate billing or leave it blank to allow the Book4Time system to generated a SKU number.
- [Optional] Department: Select the department for which this billing SKU applies.
- [Optional] Brand: Select the brand to which this billing SKU applies.
- Class: Select the appropriate class from the drop-down.
- SubClass: Select the appropriate subclass from the drop-down.
- SKU Type: Select the Book4Time Gift Certificate SKU type from the drop-down.
- SKU Name: Enter a name for the SKU such as Gift Certificate.
- [Optional] Description: Enter a description of the SKU.
- Retail price: Enter 0 in the field.
- Unit Cost: Enter 0 in the field.
- Click Accept.
- Click the Location Default tab.
- Select the Stock checkbox beside each location that you would like to make the SKU available.
- Click Accept.
The gift certificate SKU is created.


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Teagan Fair | United States
Local citizens became angry recently after the state stopped workers from Free Hot Soup Kansas City from handing out food to the homeless in four locations. Why did this occur? Officials from the Kansas City Health Department claimed that nobody had inspected the food. They also stated that they had told the group that they needed a permit to give out this charity. "They were notified back in a meeting in September that they needed to get a permit, and they just outright said they refused to do that," claimed Rex Archer, KCMO's Director Of Health, according to KSHB, a local Kansas City outlet.
On the other hand, Nellie McCool, who has been involved in charity for years, opposes the Health Department's actions. She claimed the following: "Officers and health inspectors demanded we destroy our food and we were violating health code violations by sharing meals with our friends". She also denied the claim that anyone told her group that they needed a permit to feed the homeless. "We never had any kind of government official ever come and speak with anybody at any of the public parks", she insisted.
They used bleach to destroy the food that Free Hot Soup Kansas City gave to the homeless, Archer solidified. He moreover claimed that that is standard procedure in this situation. "This operation claims to care about folks, but if you care about folks, you want to prepare food safely", he also said.
Officials later went as far as to claim that they stopped the charity because supposedly, their events are "open to the general public", using this as a negative. They also claimed the food is not at the right temperature for "food safety" in transit to the locations.
The Fight for Free Hot Soup Kansas City
Nellie McCool says that Free Hot Soup Kansas City should be immune to the regulations. First of all, she claims that they are not an official organization and simply shared food with their friends. "As far as I know, picnics are not regulated by the same laws as organizations and vendors, so by using our public parks to have a picnic with our friends, I don't believe we were breaking any rules," she said.
Arthur, however, took a different approach. He argued: "If it's a family picnic, it's for the family, and it's at one location. So it was pretty clear that this was an operation that was operating illegally".
Essentially, officials at the Kansas City Health Department believe the food could possibly be 'unsafe' and 'open to the general public.' Despite this, the homeless people were choosing to participate in the picnic, and without it, may have been in even greater danger. Though not a legal system, it nonetheless provided food for those who may not have had any.
Many locals involved believed that this was a case of the government's inadequacy. Thus, they stepped forward in the private sector, performing generous acts in a more direct, streamlined way. The effects were the same. However, Free Hot Soup Kansas City broke the law of feeding the homeless without a permit.
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