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Category Archives: Native Plants
Rambler Reruns
I believe that after 230ish posts I have the right to occasionally rest on my laurels (but not laurel sumacs) and post some pics from the good old (flowerful) days. In honor of my host on my recent trip to … Continue reading
Posted in Hiking Trail, Native Plants Tagged everlasting, laguna, malone Leave a comment
OVLC Fall Plant Sale & Hootenanny
While we do aim for a festive atmosphere, I cannot guarantee that an honest-to-goodness hootenanny will break out. What I can guarantee is that we will have the following plants for sale (while supplies last), in addition to the ever-popular … Continue reading
Posted in Native Plants, OVLC, Uncategorized Tagged goldenbush, honeysuckle, plant sale Leave a comment
Ad Aster Per Aspera
I'm a bit of a crossword fanatic, been doing them about every day since I was 15. One of the more hackneyed clues I used to come across (now thankfully edited into oblivion by the venerable Will Shortz), is "Fall … Continue reading
Posted in Family Affair, Native Plants, rambling Tagged aster, goldenbush 3 Comments
A is for Acorn
Believe it or not it's acorn collecting time again Collecting as many as we can for restoration projects Drought has seriously hampered acorn production in California Exudation is the sticky substance you find on damaged acorns. Leave them be. Find … Continue reading
Posted in birds, Native Plants, nursery/propagation Tagged agrifolia, lobata, oak, quercus 3 Comments
Dog Day Flower Blooms
Boohoohoo August stinks Mr. Rambler…. It's so hot and sticky and there's nothing blooming out there…and Al Pacino and Fredo took me hostage…and.. and… ATTICA!!! ATTICA!!!! Get a hold of yourself, deep breaths. There are plenty of flowers out there, you … Continue reading
Posted in Bloom of the Month, Native Plants, rambling Tagged calabazilla, tarweed, toyon Leave a comment
The Ojai Fruit Calender
Dropped by the Friends Packing House on Highway 33 last week, and they have one of those handy calendars that shows what is ripe for every month of they year. Here's the California native version to get your fresh fruit … Continue reading
Posted in birds, Native Plants, Resources Tagged cherry, edibles, fruit 2 Comments
July In the Sierras Part II – Lundy Canyon
Once again I believe Lundy deserves a post all its own. There is no more spectacular wildflower show in the region, if there is, please don't be shy, would love a new hike for next year. Some of these are with … Continue reading
Posted in Flowers, Native Plants, Sierras, Uncategorized Tagged chinquapin, columbine, lundy 1 Comment


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THE ARTIST PALETTE – Volume I
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Premium family hatchback makes the controversial switch to front-wheel drive - but is it actually a big deal? We've been finding out
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Do you want to start a learning center? If YES, here is a complete guide to starting a learning center business with NO money and no experience.
Okay, so we have provided you an in-depth sample learning center business plan template. We also took it further by analyzing and drafting a sample learning center marketing plan backed up by actionable guerrilla marketing ideas for learning centers. In this article, we will be considering all the requirements for starting a learning center business. So put on your entrepreneurial hat and let's proceed.
Table of Content
- Why Start a Learning Center Business?
- Starting a Learning Center Business – Market Feasibility and Research
- Starting a Learning Center Business – Legal Aspect
- Is Professional Certification Needed to Run a Learning Center Business?
- Starting a Learning Center Business – Technical and Manpower Requirements
- Starting a Learning Center Business – The Marketing Plan
Why Start a Learning Center Business?
Education is and will always be an on-going affair. In fact no one is above learning. This is one of the major reasons why the quest for knowledge would continue to be on the increase. The Learning centre business is a viable business and experts would continue to preach its potency.
Learning centres are most times built to provide easy access to an institution or group of institutions and to assist learners who may experience difficulty in completing assignments and courses because they lack access to educational resources, ICT, tutoring and guidance.
A lot of books have discussed the importance of learning centres, and the presence of learning centres in a community may also financially benefit students as they will not need to travel to urban areas and thus avoid the loss of income they would incur if they had to frequently travel to a major centre. Also from a political perspective, all citizens need access to educational opportunities, not just those in selected urban areas. This simply explains the importance of learning centres to the common man.
When planning to start this business, note that a learning centre should be designed to meet the needs of learners and to support their efforts as they strive for educational success. Furthermore, space must be provided for asynchronous and synchronous learning activities, social interaction, and administration.
If you really are determined to start a leaning centre, then you may want to hold on to the information below;
Starting a Learning Center Business – A Complete Guide
- Industry Overview
Industry reports have shown that majority of revenue in this industry comes from tuition or program fees. Gross profits tend to range from 60-90% depending on geographical location and subject matter, and net profit averages between 2-10%. Also as businesses within the industry have grown, they have realized some benefits to scale, but with that growth have often come a difficulty finding qualified instructors.
Experts believe that online training resources, programs and even mobile apps have traditionally been a challenge to the industry, but in recent years, successful educational service providers have found ways to make use of this technology to their great advantage. Not only are these tools helping students learn in new and exciting ways, but they are helping providers manage students, administrative functions and source material distribution more efficiently.
The growth in this industry is in part attributed to the growing global competitive landscape for higher education, and also greater recognition of the value of trade schools. Many folks are realizing that the cost of a college education can saddle a person for life – and are opting to skip college, learn a trade and start making money faster and with less debt.
The general educational services market is large and growing with multiple types of opportunities available for any focused entrepreneur. Reports have it that there are over 100,000 establishments in the private Education Service industry; almost 200,000 when including local, state and federal government institutions; combined, this industry employs over 3.5 million people.
Also on the private side, the industry is largely fragmented – the fifty largest companies represent just 30% of the total revenue in the industry. Reports also stated that just last year alone, there were 55 million students attending school in grades K-12, all of whom are potential clients for learning services.
Note that business opportunities in the learning centres industry are not limited to tutoring school age kids in subjects like math and science – opportunities abound in childcare and early education, career education, art, dance, adult language, test preparation and even driving.
Starting a Learning Center Business – Market Feasibility and Research
- Demographics and Psychographics
Starting a learning centre gives you the opportunity to offer educational lessons to students of all ages regarding any special skill sets that you have. Note that a good successful learning is flexible because your students will have very different needs: some are struggling with classes in school, some are studying for college entrance exams, and others may be adult learners who need to master certain skills to benefit their employment.
We strongly believe that this business is ideal for current and former teachers, which is why many teachers begin their learning business as a part-time job. For you to be able to do this business, you must be a people person as most of the business is aimed at direct interaction with others. It helps to be good with children of all ages as they comprise the vast majority of your customers.
It is also important to state that the best customers for a learning centre are regular ones. This is because you are charging an hourly fee (and should not really be charging any other kinds of fees on top of that), some of your best customers will be those whose parents are trying to help them succeed with a subject in school.
Note that if they reach out to you early enough, your learning centre might be taking them for a semester or two—anywhere between 16 and 32 weeks. But apart from that, some of your best customers will be college students and adult learners as these are the groups that realize those sessions with you are an investment.
List of Niche ideas in the Learning centers Industry
You should know that learning centres work with people of all ages, helping them acquire educational skills they lack. Estimates have shown that the private learning and tutoring market is experiencing rapid growth; it is on pace to become a $100 billion industry in 2017.
Have it in mind that starting an educational learning centre gives you the opportunity to get involved with a business trend that is headed in the right direction. This business also gives you the opportunity to make a difference in the lives of children every day. But before opening an educational learning centre, several steps must be completed. One of these steps is to choose a specific niche. Niches available on this industry may include;
- Science learning centre
- Art learning centre
- Communication centre
- Drama centre
- Math centre
- Middle school students centre
- High school students centre
- College students centre
- Professional education centres
- Learning centre for the disable
- Online learning centre
Level of Competition in the Learning Center Business
We believe that the revenue for the Learning Centre industry has contracted steadily in the past five years. States have struggled to fund industry centres since the recession, a lot of which rely heavily on public funding. Also declining workforce participation reduced demand for learning centre services over the period, leading to the closure of a lot of businesses in the industry.
Even though a lot of parents will return to the workforce in the next five years, state budgetary issues will persist, and the industry is expected to continue its decline through 2021. But note that a lot of private businesses in the industry will grow due to higher levels.
It is also very important to state that the industry shows low market share concentration, with only one single operator claiming more than 5.0% of industry revenue. Businesses in the industry tend to service local markets and as such, do not experience significant expansion.
We believe this is especially true for learning centres that rely on government funding. Just in New York state alone, as much as 279 programs are listed as accredited by the National Association for the Education of Young Children. Low market share concentration is expected to continue going forward in the industry.
List of Well-Known Learning Centers
- Sylvan Learning Centres
- Eye level learning centre
- American learning centre
- Centre for teaching excellence
- STEM Centre USA
- Creative kids learning centre
- Little learning schools
- Oxford learning
- Huntington Learning Centre
- Challenger learning centre
- Mathsnium
Economic Analysis
Have it in mind that the Business model for a Learning Centre business is very straightforward: you typically charge clients a fixed hourly fee. This fee should accurately represent both your education and experience in the chosen field while taking into account the average price of your competition in the area.
Also to an extent, the size of a Learning Centre business is limited by its nature. It is very much possible for a successful tutor to eventually start this business with multiple tutors as employees, but it needs large amounts of additional time, funds, and licenses, and a lot of learning centre owners enjoy their business because it has a low overhead and they maintain schedule flexibility and business autonomy.
It is also important that you understand the success of your learning centre business is entirely dependent on your hourly rate and the number of students you have at any given time. For example, if you stay relatively busy, tutoring for 30 hours a week and charging a minimum of $30 per hour, your annual wages would be $46,800 gross income.
This literally jumps to $62,400 gross income, though, if you charge $40 per hour. Obviously, that amount can go higher with more hours and/or a higher hourly charge, but we advise that you should be mindful of the season: summer typically has much fewer students than other seasons because your primary clients—students-are mostly out of school.
Starting a Learning Centre from Scratch or Buying a Franchise
Indeed you must have noted that starting you own company is a daunting task, especially if you are looking at the final goal instead of the step in front of you. One of the first decisions you will have to make is whether to start your own business from scratch or invest in an existing franchise. So here are four reasons to consider before buying a learning centre franchise.
- Working with a proven business model
- Building for the Future with Fulfilling Work
- Brand recognition and marketing support
- Support for Yourself While You Support Others
Possible Threats and Challenges of Starting a Learning Center
Learning centres are always in demand. They are needed to help students keep up with material presented in class as well as stimulate the minds of gifted students. Also a lot of individuals need learning centres to help them pass important examinations or prepare for advanced education.
You need adequate planning to be able to survive in this business, but you can typically start out on a budget and gradually expand your business over time. Here are a few challenges of starting a learning centre;
- Developing your curriculum
- Registering your learning centre as a company
- Renting space
- writing a business plan
- Choosing a suitable marketing strategy
Starting a Learning Center Business – Legal Aspect
- Best legal entity for a Learning Centre in the united states
Starting a learning centre that will cater for students is a serious business so the legal entity you choose will go a long way to determine how big you want the business to grow. No doubt choosing a legal entity for your business can be a bit challenging, but since you will be working with individual students and probably huge educational institutions, we advise that you incorporate your business as a legal body because it may be difficult for you to get their attention if they know you are running the business as a private individual, not a corporate firm. Advantages incorporating your business include…
- Protecting your personal assets
- Have Easier Access to Capital
- Enhancing Your Business' Credibility
- Perpetual Existence
- Gain anonymity
Catchy Business Name ideas for a Learning Centre
- Success Approach
- ACE centre
- Red Apple Teaching
- Lively learning Centre
- Brilliant Minds
- Click Studies
- Club Z! Centre
- Intelligent Learning Centre
- Educational Endeavours
- Revolving Tutoring
- Science centre
- Maths Legends
- Main stone Learning Centre
- Ivy League centre
- Learning crib
- Special Kids
- Clean Step Academy
- NYC Private centre
- Over Achievers Academy
- Future legends
- Precision Academy
- Art World
- Chicago Test Prep
- Tertiary Education
- Simple minds
- Lecture Point
- Friday Educational Group
- Detroit Learning
- Premium centre
- The Study Shack
- Learning Company
- Academic Doctor
- Education And More
Insurance Policies
When starting this business, you need to cover yourself as a business owner from potential lawsuits by purchasing business insurance. But right before you purchase insurance, you must first have a solid business plan that states your risks as a business owner and how you plan to cover those risks. Have it in mind that not all of your risks as a business owner can be covered simply by purchasing a basic insurance policy. You must first know what your risks are.
This is why to identify the risks of your business you can simply consult with an attorney or even an insurance professional. Note that the risks for a learning centre business can be very huge because of the many different exposures involved with your business activities.
But before paying costly fees for an attorney's advice, we can at least help you to identify some of the potential claims that could arise and which insurance coverage would protect you in the event of a claim. There are a number of risk management controls you can put in place:
- Privacy Statement
- Information Security Policy (you can find some great templates for Information Security policies on SANS website)
- Customer Contract Revision Provisions
- Standard Customer Contracts
- Standard Agreements for Vendors
- Recall Plan
- Vendor Certification Process
- Quality Control Program
- Obtaining Customer signatures on each phase of the project
Insurance Policy You Will Need May Include;
- General Liability Insurance
- Professional Liability Insurance
- Workers Compensation Insurance
- Commercial Auto Liability Insurance
Intellectual Property Protection
When organising or planning your learning centre business, you should also consider going for intellectual property protection to be able to protect your intellectual property. Filing for intellectual property protection for your Educational Consultancy Firm goes beyond protecting your company's logo and other documents, but also protecting your investments, patents and of course the name of your company.
If you want to file for intellectual property protection and also register your trademark in the United States, then you are expected to begin the process by filing an application with the USPTO. The final approval of your trademark is subjected to the review of attorneys as required by the USPTO.
Is Professional Certification Needed to Run a Learning Center Business?
Learning centres are independent academic units within colleges and universities that exist to give support services, and to aid teaching faculties to improve their teaching and professional development. Note that they may also provide learning support services for students depending on the individual institution. For you to be able to remain relevant in the industry, you need to keep staying current with industry trends and certifications, some of which are;
- Learning Centre Leadership Certification
- Certified Training and Development Professional (CTDP)
- Institute of teaching and development certification
- LCE Certification
- ATD Certification
- Certified Professional in Learning and Performance (CPLP)
Legal Documents Needed For a Learning Centre Business
When starting this business, you need to register your business with the IRS. All businesses should apply for an EIN (employee identification number) on the IRS website. The process is free, and you can submit the application online. Your EIN is required for filing for a business license.
The exact process and requirements for applying for business license differ from state to state, so you should contact your local business authority for details on how to register your learning centre business in your state. Note that some states may need you to have special certifications or permits, but other states like South Carolina, do not. These are some of the basic legal documents that you are expected to have in place if you want to legally run your own learning centre business in the United States of America;
- Certificate of Incorporation
- Business License and Certification
- Business Plan
- Non – disclosure Agreement
- Employment Agreement (offer letters)
- Operating Agreement for LLCs
- Insurance Policy
- Consulting contract documents
- Online Terms of Use
- Online Privacy Policy Document
- Apostille (for those who intend operating beyond the United States of America)
Financing your Learning Centre
When looking to secure funds for your learning centre, we strongly advise that you pursue funding from investors or by getting a loan from a commercial lender. When working with a lender, the money must be paid back at some point. If you bring on investors, your future profits must be shared. Note that both investors and lenders need a copy of your business plan before they will think about giving you the money you need. Ways to finance your learning centre may include…
- Debt Financing
- Personal savings
- Raising money from investors and business partners
- Applying for Loan from your Bank
- Pitching your business idea and applying for business grants and seed funding from donor organizations and angel investors
Choosing a Suitable Location for your Learning Center Business
In this business, the size, layout, location and appearance should all boost your centre operations while respecting zoning and environmental regulations. We all know that facilities come in a wide variety of shapes and prices, which is why you need to know what your needs are and how much you can afford to pay.
If you have worked on a business plan, you probably know the amount you can spend on rent or a mortgage, utilities and taxes. We strongly believe that a cash-flow analysis will aid you know whether you can afford to purchase a commercial property or if renting is your only viable option. Things to consider when choosing a suitable location for your learning centre include;
- If it's the right location
- Does it require modification?
- Tax and infrastructure
- Allowing for future growth
- Separate your needs from your wants
Starting a Learning Center Business – Technical and Manpower Requirements
Staffing a learner centre with appropriately qualified individuals can be a significant challenge, but you should know that quality staff is key to the centre's success. Note that in order to help learners succeed and take responsibility for their learning, learning centre staff must be able to encourage students, provide a safe environment in which students are treated with respect, and offer reasonable and ethical support that is mindful of students' privacy.
Have it in mind that your learning centre staff must be intrinsically motivated to help others. Indeed it can be difficult to find individuals with the necessary people and technical skills to staff learning centres. Yet preference should be given to selecting staff who display above-average people skills.
Since the successful operation of today's learning centres involves ICTs, it is essential that learning centre staff know how to use them. Individuals who are organized, technologically inclined or savvy, and have basic accounting skills may help make sure that the centre runs successfully. Then funds would be handled by a central organization or via mobile phone money-transfer software so that learning centre staff will not be tempted by corruption or get susceptible to robberies.
Note that immediately learning centre staff are hired, they must be informed about the institution's programs, its admission and registration procedures as well as the services that are offered or could be offered at the centre. We believe that the key role for staff would be obtaining feedback from students and forwarding it to institutional personnel as well as tracking whether or not students' concerns have been addressed.
The two-way capability of today's technology has allowed the world to come to the learner and the learner to reach out beyond his or her environment. Note that technology has become an essential component of today's educational system. We believe that it can facilitate effective and efficient communication and help students to obtain the information they need to succeed.
We also believe that the mere presence of ICTs will not make sure that people learn; people must be shown how to use ICTs so as to obtain the information they seek and to analyse what they find. Without much word, the information and the procedures involved in seeking information must be in a language that people can understand. Currently, 57% of the Internet is in the English language while only 16% of the world's 7 billion people speak any English at all.
Wikipedia, for example, offers its content in 286 different languages. Note that the success of any educational program involving technology is highly dependent on the capabilities, confidence and enthusiasm of the staff at the learning centre. This simply means there is a need to ensure that learning centre staffs are able to use the technology and to re-orient learners who may be accustomed to traditional classroom instructional methods.
The Service Process Involved in a Learning Center Business
We all know that University professors, part-time instructors, or teaching assistants approach teaching as experts in their field, but it doesn't in any way guarantee success in teaching, as teaching expertise is entirely a different matter. We believe that a lot of instructors have not been trained in teaching methods, and may have difficulties passing contents and concepts to students, who are relative laymen in the field.
We also believe that novice students approach the information and contents in a course in a much different way than expert teachers, and teachers may not know the conceptual divide between them and their students. Meaning that most time novice students may perceive the contents of lectures and textbooks as large amounts of information, rather than as meaningful concepts, in contrast to experts, who can naturally see the materials as coherent and meaningful due to years of expertise.
Also individuals who depend on traditional teacher-centred methods such as pure lecture may inadvertently subject students to an information dump, or fail to flow with students at a conceptual level, leaving students unable to learn or retain information in a meaningful way and approach.
Starting a Learning Center Business – The Marketing Plan
- marketing strategies for a Learning Centre
Indeed the presence of a learning centre in a particular location does not mean that it will be used. That is because learning centres, institutions, and programs must be marketed and the benefits of the centre proactively sold. We all know that marketing strategies could emphasize the need for life-long learning or the potential impact the centre could have on members of the public once they become aware of new ideas and developments beyond their location.
Even though individuals may understand the gain of an educational program, they may not be able to pay for the program in the traditional manner. Instead of making one large payment upfront for each semester or academic year, learning centres might consider implementing pay-as-you go models, where students only pay for one course at a time or pay hourly. Things to have in mind when developing a marketing plan for your learning centre may include;
- Determine conditions for success
- Ascertain the amount people are willing to pay
- Establish partnerships
- Find managers
- Differentiate service
Strategies for Boosting your Learning Center Brand Awareness and Creating a Corporate identity
Have it in mind that the primary path to a more profitable Learning centre is more students, and the primary path to more students is more advertising. In addition to the previously-mentioned advertising via print, television, social media, and networking with local schools and community centres, you might consider offering free workshops or seminars at local schools and colleges.
We believe this will help you both advertise your services and demonstrate your value to potential customers. You should also consider guest publishing on educational blogs or blogs related to your field—this will indeed help you become more of an established name when someone is looking for more specialized instruction. Other things to bear in mind may include;
- Motivate your students
- Employ two-stage implementation process
- Develop entrepreneurial skills
- Use open educational resources


text: Eternal Hunter Cynthia Eden Ebook Buy Audible eBooks.com Google Play iBooks Indie eBook Shop Kindle Kobo See more book details 06 November 2014 9781447282587 0 pages Synopsis In a hotbed of secrets like Baton Rouge, it's only natural Assistant District Attorney Erin Jerome is keeping a couple of her own. Like the fact she's not entirely human - she's Other, desperately trying to keep her supernatural strength under wraps. Or that she's got a killer stalking her - an Other rogue set on "gifting" her bloody corpses, causing her to spend nights lying awake in terror. But the bounty hunter on her new case is about to change everything. Jude Donovan is a shapeshifter, and when the two are near each other their hidden instincts are definitely awakened. Tracking a rogue Other is hard enough without allowing their wild sides to come out to play. . .A Night Watch novel by New York Times bestselling author, Cynthia Eden. I dare you not to love a Cynthia Eden book! LARISSA IONE Books by Cynthia Eden Eternal Flame Cynthia Eden Ebook I'll Be Slaying You Cynthia Eden Ebook Books in the Night Watch series Eternal Hunter Cynthia Eden Ebook I'll Be Slaying You Cynthia Eden Ebook Eternal Flame Cynthia Eden Ebook


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In the D.C. Examiner, on Bipartisan Over-Spending
In a mini-excerpt from their book The Declaration of Independents: How Libertarian Politics Can Fix What's Wrong with America, Nick Gillespie and Matt Welch blast Republicans and Democrats for the decade-long binge in federal spending, and then sketch out a solution. Excerpt:
If history is any guide and if the federal government wants to balance its books, it's got to spend no more than around 19 percent of GDP. So what would it take for the federal government to restrain spending to just 19 percent of GDP in 2020?
According to the Congressional Budget Offices' alternative-scenario projections, it would mean coming up with a budget equal to $3.7 trillion in today's dollars, rather than an anticipated $5 trillion if spending stays on autopilot. How do you trim $1.3 trillion over a decade or so?
Cut $130 billion out of projected spending (including projected increases) every year for the next decade. It's the only way to actually keep the federal government solvent until we get around to fully revising outdated entitlement programs that are set to beggar us more than any stock market collapse ever did.
And to put that 19 percent spending figure in perspective: spending in Clinton's final budget amounted to just a hair over 18 percent of GDP. Nobody back then was surviving on cat food.
Whole thing here.


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Hey Mom, look what I got
At the end of June, at the Oracle Partner Summit in Redwood, Persistent Systems was named Oracle's Security Partner of the Year. I like to take credit, since I filled out the paperwork. In fact, when I got home from the awards trip, I told my wife, "Hey, I got us the Partner of the Year award." She said, "That's great. It's garbage night. Put the can on the curb."
But in fact, it was the collective brainpower of our security practice that made it happen. Persistent has built some amazing IP, namely our comprehensive REST APIs for the Oracle security suite, and an enhanced user interface. Not only have our services teams deployed it, we've also been empowering other Oracle partners in doing the work. Instead of competing with them, we enable them, for the benefit of the Oracle community. On top of that, we've devised some amazing innovations in the area of digital transformation, mobile, and connectivity.
Gartner likes to categorize vendors in a particular industry segment via their Magic Quadrant. It's four quarters of a square. One axis is Vision, and the other is Ability to Execute. In other words, if you have great ideas but can't make them happen, you get one flat line. If you have resources but don't do anything interesting, you get a different flat line. The idea is not to be horizontal or vertical, but rather sloping to that upper-right spot, where you show both foresight and the muscle to pull it off. This is precisely how we got Partner of the Year.
We saw a few different trends at the recent Oracle partner summit. There's still plenty of mileage in on-premise solutions, and in fact companies in certain industries will still require it, because their regulators won't allow them to do otherwise. But at the same time, the reality is that the Cloud will increasingly be a part of our lives. And even those organizations that will go Cloud will still have a footprint inside their own perimeter. Hybrid environments are the practical reality.
This is Persistent's vision. We *know* this reality. It's why we built that REST API for the Oracle security stack, along with that enhanced GUI, for the purpose of allowing customers to build out a powerful, flexible, and highly integrated identity platform. These tools also allow for constructing a hybrid environment, one in which on-premise solutions mesh seamlessly with the Cloud.
This vision has re-enabled the Oracle product line, and provided all new options to Oracle customers. And it's real. Not just a handful of API calls. And not a theory. It's across the board, and it's in production. We imagined it, and we built it. Vision and execution. It's what we do. It's why we're the Oracle security partner of the year. And it's why you should get to know us.
Plus, y'know, we're really cool. Take my word for it.
Jeff Scheidel is a 32-year veteran of the software industry, with more than two decades in security. He is the author of the McGraw-Hill book entitled Designing an IAM Framework with Oracle Identity and Access Management Suite.


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The 'M' Word – Menopause
What do night sweats, vaginal dryness and bone health have in common?
By Physio Marg
Menopause occurs when you have not had a period for 12 months. It is a natural part of aging. The average age of onset is 51 years old, however may be brought on earlier for other reasons such as having previous chemotherapy or radiation therapy for cancer, auto immune diseases, or being a smoker.
Most women have symptoms for 5-10 years. These symptoms may include hot flashes, poor sleep, mood swings and anxiety.
Other symptoms of decreasing oestrogen include ageing skin (more wrinkle, thinner consistency), a change in our 'figure' with increasing fat deposits and a generalised decrease in muscle mass. There are other more intimate changes such as vaginal dryness and irritation, or a seemingly increased sensitivity to urinary tract infections.
But what about the symptoms of menopause that we don't specifically feel?
Bone health
Due to the hormonal changes during this time, when your ovaries stop producing oestrogen and progesterone, bone health is affected.
Until the age of 30, it is normal to build more bone tissue than what is naturally lost. After menopause, this scale is tipped where bone breakdown overtakes bone growth. The 'level' you start at is very important. If you are a woman who has a lifetime of lower bone mass (e.g. due to minimal weight bearing exercise, chronic illness, genetic factors), it will mean you will have less 'buffer' to where your bone density may become an issue.
Once a certain level of low bone density is reached, a person has osteoporosis– meaning 'porous bone'. As you can imagine this makes the bone less strong.
You may not be aware you have osteoporosis until your bones become so weak that a simple bump or fall could result in a break. Scary!
What can you do to help yourself?
The great news is weight-bearing, resistance exercise (using weights) is a great way to help improve bone health, along with a balanced diet.
The even better news – the earlier you start making these lifestyle changes and include resistance-based exercise in your routine, the better your bone health will be.
When you exercise your muscles contract and then pull on your bone. The bone is then triggered to lay down more bone to make that area 'tougher'. When you put a hard force through a bone such as jumping or stepping up a step the bone is again triggered to lay down more bone and make itself tougher.
With the right advice and guidance and support you can improve you bone density with exercise. But knowing just what is right for you is really tricky. Thats where physio can make all the difference. We understand the pathology of Osteoporosis and generalised bone development. We understand menopause and the impact of hormones. Most importantly we know how to apply that to individuals and exercise.
Call Vital Core on 08 8331 0552 to find out more information about our resistance-based exercise classes, or book online to see one of our physiotherapists.
They will perform a specialised bone health assessment. Then together your physio and you can make a plan to get you out enjoying life with strong bones.


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By Sanah Thakur
Dreaming is such an integral part of our lives, yet apart from the content of most, we know very little about their purpose or process. In today's column, I use my Psychology lens to dig deeper into the field of dreaming.
Simply put, dreams are a series of thoughts, images and impulses that one experiences while sleeping. There is minimal activity in the brain and all external stimuli is blocked from entering our minds. Our senses however are functional which makes a dream feel like you're experiencing it. Dreams maybe seen as a combination of our real-life experiences merging with our imagination – having no such effect on our actual lives. Research shows that dreams play an important role in our lives and understanding certain aspects about dreams can help understand our mind better.
There are a lot of questions that come up when the topic of dreams is discussed in the field of Psychology. Some of the main questions, include "What is the process of dreaming?", "What do our dreams represent?", "What role do dreams play in shaping our lives?", "Do dreams deal with our unconscious desires and motives?" and "When and why do we remember our dreams?".
There are five stages of sleep that we go through starting with the very light stage from which is very easy to wake up. The second stage moves into slightly deeper sleep and stages three and four represent our deepest sleep. After about 90 minutes the fourth stage leads into what is known as REM sleep. Rapid Eye Movement is the fifth stage of sleep, which is characterised by movements of the eyes and other physiological changes like faster heart rate and breathing, and high blood pressure. Our brain activity level is the same as if we were to be awake and therefore this is the stage during which most dreams occur. The rest of the body is paralysed as the brain sends signals to shut off neurons in the spinal cord which prevents us from acting out our dreams and hence also explains why sometimes people feel unable to move while dreaming of a stressful situation. Researchers believe that dreams occur because the cortex is trying to find meaning to the random signals it receives during REM sleep, creating a story out of these fragments.
Research has gone into figuring out the various reasons why we dream but scientists haven't come up with a single consensus. Some believe dreams are the link between memories and emotion. That is why sometimes dreams seem so vivid and real that people wake up crying or laughing. The brain is active while you're sleeping and certain regions of the brain like the occipital lobe, which processes images and the amygdala, which regulates emotions are more active then. Therefore dreams tend to evoke a lot of emotion and bring out the memories in such a way that they feel real. Anxiety, fear and surprise are some of the common emotions that are intensified in dreams.
There is no logic when it comes to dreams. Dreams are filled with random, bizarre and discontinuous images and ideas like talking animals, time travel, shifts in settings, face transformations etc. but this strange dream content is accepted as normal while dreaming. According to Dr Allan Hobson, as quoted in Kendra Cherry's article Characteristics of Dreams, the unquestioning acceptance of dream content is due to the strength of our internally generated emotions and perceptions. Another characteristic of dreams is that sometimes we experience certain strange sensations like falling, losing control over body movements and the inability to move quickly which maybe due to the paralysed state we are in while dreaming.
Dream recall is an integral part of the entire dream process. We tend to forget half the dream content five minutes after it is done and then another five minutes later we forget ninety percent of it. There are many reasons why we don't seem to remember most of our dreams. L.Strumpell, a dream researcher suggested that since most of the dream images aren't that intense they are easily forgotten and the physical sensations that accompany them are the first things we forget as soon as we wake up. Remembering as a process generally involves association and repetition and since dreams are unique and not repetitive, recalling them isn't easy. There is also a possibility that since our brain neuro-chemicals aren't the same while sleeping and during wake time, our brain is unable to consolidate memory. Sometimes though people do end up remembering their dreams and this is because our brain still functions at the same activity level as when we are awake and remembers certain events, especially emotionally charged ones. The sleep cycle consisting of the five stages of sleep is repeated many times and we generally tend to remember dreams that occur closer to the time when we awake.
Research on dreams still continues today as psychologists and scientists try to uncover the mystery behind such a process. Since dreaming is such a subjective process it is difficult to pin point why exactly such a process occurs and what it means to each individual. Though the psychology of dreams is still only a combination of many theories and observations, it continues to be one of the most interesting fields in psychology. To conclude, "A dream is a work of art which requires of the dreamer no particular talent, special training, or technical competence. Dreaming is a creative enterprise in which all may and most do participate." – Clark S. Hall
* The author can be contacted on Instagram @sincerelysanah
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Self-care is everything but 'care'
The miracle of tidying up
At your service
Nature's Effect
The four-week workout
A home away from home
Where you shift perilously between life and death
You are your own soldier
I forgot!


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I have photographed the new work that I made for Fiesta and some of it will be available in my etsy shop soon. Many of these pieces are on display at Art251 in Keller. They are having an event Friday night, so go check out my new work and get something for mom just in time for Mother's day!
Monday, May 4, 2009
1 comment:
- HCJ admin said...
I like these :-)
Hoping to see some of your work show up in our Flickr Friends slide show.
All the best.
HCJ Project
- May 5, 2009 at 5:26 AM
Subscribe to: Post Comments (Atom)


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Blog Archives
Too Big To Fail
Some things really are too big to be allowed to fail.
But Rangers Football Club isn't one of them.
The principle that it is wrong to spend other people's money, without their permission, in order to advance your own self-centred agenda is a big idea which is absolutely central to the core values of a civilised society. There's a closely related idea that it's not okay to exploit the good faith of service providers, businesses, emergency services and individual workers, then leave them whistling in the wind for the payment which they've earned.
Those are ideas which are too big to be allowed to fail.
There's an enduring concept that trustworthiness is a virtue while cynical exploitation of people's trust is reprehensible. Similarly, quality of life is generally enhanced when decent people can reap the just rewards of their honest labours without being robbed by scam merchants, fraudsters and sharks. And that principle, by extension, demands that those who insist on conducting their affairs in an exploitative, predatory fashion must face a level of punishment which is in proportion to the damage they do to their victims. The penalty for undermining essential foundations of social stability should reflect that selfish parasites and shameless free-loaders are unacceptable infestations which are unacceptable to decent society.
These principles are too big to be allowed to fail.
Vital ideas and fundamental principles such as these are constantly assailed and relentlessly undermined by the very last people for whom we should go out of our way to offer assistance or protection. Allowing these people to prosper from their malevolent, anti-social machinations not only encourages them to continue in the same selfish, destructive vein; it also sends out an intolerable and dangerous message to others that the most profitable way to operate is by abusing trust, practising deceit and exploiting vulnerability at every possible opportunity.
Why work for a living when you can steal someone else's dues?
Why play fair when you can win more by cheating?
Why bother about doing the right thing when moral standards are merely obstacles in the way of your ambitions?
These are the traits of the psychopath. Psychopathic thinking infects every society where it is allowed to spread. Where it is not challenged, it takes an ever firmer hold until it ends up overwhelming the decent humanity of the overwhelming majority of the population. Academic study after academic study has shown that the prevalence of clinical psychopaths is in the region of 4% of our society. Most people are unaware that it is more common in the boardrooms than in the maximum security prisons; very, very few psychopaths are serial killers or axe-murderers but a hell of a lot of them are at the core of vast financial scams, vulture capitalism, national and international banking scandals, insider trading, fraudulent investment schemes, general corporate misgovernance and money-laundering.
Criminality on that scale adversely affects the 96% of us who, for the most part, just want to get on with our lives in peace with each other. It corrodes the most basic principles of our communities and sucks the vitality out of a society's confidence in its own sense of justice, honour, purpose, fairness and integrity. In short, it attacks all of the most important values which give human beings their deepest, richest sense of well-being.
These are the values which really are too big to fail.
If we them, we lose everything that makes us decent. What price is worth paying to defend these values? Downsizing a few football operations, whose worth has been artificially inflated, to a scale that is a truer reflection of their genuine worth is well worth the longer term benefits. If the prestige of Scottish football depends upon its economy being regularly injected with huge streams of laundered cash; or relies upon unsustainable levels of borrowing from unreliable banks; or cannot function without tax-scams designed to protect some of the highest wage-earners in the country from the demands that apply to the rest of us; if this is what the prestige of Scottish professional football depends upon then that prestige is an illusion for the gratification of fools.
It's only a bloody game of football. It is certainly not so important that we need to turn a blind eye to the fact that professional football in its current structure could have been specifically designed by money-launderers as a perfect conduit for cleaning up the proceeds of international drug running, illegal arms dealing, child prostitution and a plethora of other nefarious activities. The most cold-hearted gangsters on the planet clean up their money in collusion with their criminally-inclined (but ever-so-respectable) collaborators in the boardrooms of all of the major banks and financial institutions.
In other news, Liverpool FC paid £35 million pounds for Andy Carroll. That's pretty close to the figure which Dick Advocaat spent in a single season when he was the manager of Rangers FC (now defunct) at around the same time that Dave King "invested" around £20,000,000 of "his own money" in the club.
Former CEO of JJB Sports, Chris Ronnie, has been charged with several counts of fraud and money-laundering. In 2006, JJB Sports entered into a ten-year sponsorship deal reportedly worth up to £48 million with the now defunct Rangers FC. By an amazing coincidence, the 322 charges which long-serving Rangers director Dave King faces in South African courts also include fraud and money-laundering.
Once upon a time, not so very long ago, a bank formerly known as the Bank of Scotland/HBOS/Lloyds handled the accounts of every SPL club except Celtic. (Latterly, when Vlad took over Hearts, the Jambo's account was transferred to Romanov's own bank.) Every one of those clubs would have struggled desperately to survive if its credit facility had been called in by the bank. That remains true today. That left (and still leaves) all of those clubs very vulnerable to pressure from the bank in their handling of day to day business. Say, for example, that BOS's successor, Lloyds TSB dearly hoped that enough directors would vote for a certain club to be parachuted straight into the SPL. They would be able to exert enormous pressure on any club which was not enthusiastic about following LTSB's plan. Not that I would suggest for a moment that distinguished banking figures would even consider such a shameless piece of blackmail. Ian Fraser wrote a fine article which shows exactly how honourable and honest high-level bankers really are.
(Just thought I'd mention those few random facts there for no particular reason.)
There is a certain type of mindset which has been unstoppable in its insistence that a now-liquidated football club is too big to be allowed to fail and that the national sport will collapse without it. I've dismissed the stupidity of that position in previous blogs and I feel no need to go over the same ground again.
Instead, I'll finish off by talking briefly about something completely different.
A mindset which carefully plans a corporate heist to shaft creditors to the tune of up to £150,000,000 before re-emerging on the other side of a long planned liquidation, ready to carry on as if nothing had happened; that is indistinguishable from the mindset of the psychopath.
A so-called businessman who acquires all of the assets of a failed business by effectively paying millions of pounds to the administrators in whose gift the assets lie – and leaving approximately zilch to the hundreds of legitimate creditors of that business – is operating in exactly the way that a corporate psychopath would be expected to.
Administrators who state, upon being appointed, that their responsibilities are to transform an ailing business into a going concern and also get the best possible outcome for its creditors; who charge millions of pounds for their work; who oversee the liquidation of the business; who salvage absolutely nothing at all for the creditors; and who strike an exclusive deal with a man who is willing to pay a sum of money which is almost exactly the same as their extortionate fees – in effect, a bribe – to acquire undervalued assets; such people are classic examples of the psychopathic consciousness at work in corporate life.
This is an evil which is too big to be allowed to succeed.
Rangers' Future.
Only kidding.
They don't have one.
Emerald's Dilemma
I mentioned Suicide by Cop in a recent blogpost because it seems to me that D&P are actively trying to provoke some other party to bring on the liquidation event. They would prefer to be able to blame the SPL or SFA or UEFA or FIFA or HMRC or SVDP or anybody at all for kicking the ladder away from under them just as they were supposedly on the point of delivering the Holy Grail of a successful CVA outcome. The fact that they hadn't a hope in hell of getting 75% in favour of their derisory CVA proposal would be neither here nor there if they could paint some other party as the baddies who had thwarted their rescue strategy just at the point when it was coming to fruition.
That, however, leaves Emerald Green with a slight problem because he apparently, for reasons which I can't fathom, had given an undertaking to spend millions of pounds which he does not have – where have we heard that before? – to acquire the mortal remains of the deceased club. There is a possibility that at some point he had some kind of vague plan to present a regenerated, viable NewClub for future sale. Or at least to make it look as if that's what he intended to do. His get-out clause is that he can't be held to this commitment if Rangers or Frankenstein's Rangers are disqualified from any of the domestic competitions. (We must presume that European competitions were not involved in the conditions.)
It looks as if it is now a matter of urgency for Rangers (in administration) to:
a) get themselves disqualified/suspended/expelled/ejected from at least one domestic competition.
The Scottish Cup would do for this purpose, hence the stories before the original SFA Disciplinary Hearing that Rangers (in administration) had sounded out the beaks with a view to intimating that a fine and "ejection" from the Scottish Cup would be acceptable to the Dignified Ones.
b) be seen to have been forced into liquidation by an unseen Fenian hand (including the papists of Her Majesty's Revenue & Customs or the Vatican puppets at FIFA or the Opus Dei-infiltrated SFA).
c) achieve both of these objectives, preferably in that order from Emerald Green's point of view, before the risible CVA proposal is exposed as the crock of horseshit that it undoubtedly is and firmly rejected by the creditors.
I suspect that the members of both the original tribunal and the subsequent Appellate Tribunal were well aware of this and that's why they tried to improvise a punishment which didn't quite put Rangers out of business but nevertheless left them facing a formidable challenge in the unlikely event that they'll still be around to limp onto the starting line for next season's campaign. Unable to prevent their seasoned professionals from stampeding out of the club during the close season and unable to register experienced replacements in their place, Rangers would be in very poor shape.
It was an elegant attempt to inflict a painful punishment on the wrongdoers without playing into the hands of any of the miscreants. Alas, it has been foiled, for the time being, by the ruling of Lord Glennie in the Court of Session that the tribunal was obliged to order a punishment à la carte, as it were. The tribunal must select one of the punishments already on the menu and no Chef's Specials are permitted. However, that is not the victory that it might have appeared to be if, as I suspect will be the case, the tribunal take their time to fins a space in their diaries when they can all get together again. They could delay this for weeks and that does not suit Rangers at the present moment.
The D&P gravy-train is nearing the end of the line. All of those delicious millions of pounds which Clark and Whitehouse have been hoovering up over the last four months are nearly finished. The pesky footballers are once again expecting to be paid the wages which they agreed to when they signed for the club. D&P want out now and quickly. A meeting with the creditors has been called for the 14th June. It is apparently to be a very short meeting with only one item on the agenda. Might this be the latest possible moment when the court-appointed administration team can fulfil their obligation to inform the hapless creditors that the jig is up and the padlocks are going onto the gates?
If it is, then the need to provoke someone else to cause the liquidation event is now desperate. One of the last things that Duff & Phelps want to have to do is take full responsibility for having made a complete James Hunt of the administration over the course of the last four months. (The very last thing that they want to do is walk away without an obscene profit at the expense of the creditors and employees but they have already taken good care of that priority.)
Every party which has had a chance to fire the fatal headshot has held back. HMRC, the SFA and the SPL have tiptoed all around the houses for months. That may yet prove to have been not such a bad thing, frustrating though it has been. It is better that Duff & Phelps should be forced to fall upon their own swords, not least because their professional regulator, the Insolvency Practitioners Association, is currently licking its lips and sharpening its knives in readiness for a forensic examination of the conduct of this bizarre administration process.
Charles Greed is a psychopathic predator who may have originally spotted an opportunity to make a dishonourable fast buck if things had all gone his way but he was wily enough to build in enough conditions to every one of his commitments to make it possible for him to find a way to wriggle free if events took an awkward turn. And they have become very awkward. It has become apparent that the mood of the general Scottish football-supporting public is firmly opposed to allowing any form of Rangers to carry on more or less as before. That is a game-changer in every sense. Green may have initially believed that the combined forces of the laptop loyal, a short attention span amongst many supporters, SFA President Campbell Ogilvie, the SPL's spineless Neil Doncaster, various brown brogue-wearing chairmen of other SPL clubs and the scapegoating of Craig Whyte was capable of enabling the switcheroo to proceed, relatively unopposed. That has proved to be a false expectation.
I think of Greed in terms of the looters who appear in the aftermath of a natural disaster such as an earthquake or a devastating hurricane. Where all around is chaos, carnage and confusion, furtive figures dart in and out of shops and warehouses, grabbing whatever is available or slipping back into the shadows to avoid being caught in the act. Chaz saw a scene of chaos and carnage and fancied his chances of bagging a few sackfuls of designer trainers but it's becoming harder and harder for him to smuggle his stash through the cordons and back to his base. The Feds have got an eye on him so he's pretending to tie his shoelaces while he chooses the best escape route. In this case, he badly needs Rangers to be ruled out of at least one of next season's competitions as soon as possible. It's just possible that the Tribunal may feel that there's no point in reconvening to discuss punishments for a club which no longer exists after the L-bomb drops. That detonation may now be just over a week away. That is how long Emerald has to weasel his way out of having to make a multi-million pound offer for a business basket case.
Scottish Football's Stockholm Syndrome
Good news! Good news!
The liquidation of Rangers is no longer the probable outcome of their travails; it is absolutely inevitable.
It's time for all of Scotland's premier football clubs individually, and the SPL as a collective organisation, to recognise this and plan boldly for the new circumstances.
Those club chairmen who are still in fear of radical change have not left themselves much time to adjust to a situation which they had wrongly assumed could never come to pass. But there is no excuse now for delusions that somehow Rangers can avoid the worst.
They can't.
They're finished.
There will be no Rangers of any kind, old or new, playing in the SPL next season. There is no guarantee that any form of Rangers will even be playing in the Third Division of the SFL either. Yet there is still uncertainty in some quarters about embracing the new reality.
The baleful effect of Rangers on the confidence of other Scottish clubs seems to have caused a kind of Stockholm syndrome where the victims paradoxically develop an emotional attachment to their abuser. Having spent so much of their existence trying not to challenge the malevolent power of the seemingly all-powerful Rangers, a number of clubs have lost the ability to think clearly for themselves and have lost sight of what is in their own best interests.
They have found ways to survive in the lair of the beast and can scarcely imagine what life will be like when the beast is slain.
"Things may never be the same again," they whimper, as if that were a bad thing.
Why would any decent person want Scottish football to be the "same again"?
It has become clearer and clearer with each development that for many years Scottish football was trapped in a process of being devoured by an insatiable parasite called Rangers FC. Scottish football has been revealed to be merely a façade behind which the scandalous conduct of Rangers FC hid itself from scrutiny.
Rangers did not generate wealth; they misappropriated it.
They do not stimulate the Scottish economy; they are a drain on it.
They have not increased sporting competition; they have stifled and destroyed it.
In order to allay fears of what Scottish football will be like without Rangers it's only necessary to consider what the damage will be if they continue in any form.
It is now apparent in the real world that the wealth and power of Rangers has been a myth for many years.
Therefore the sacred TV deals with Sky and others have always been negotiated on the basis of a falsehood.
The selling-point was that there were two major Scottish clubs – the so-called Old Firm – whose head-to-head matches could provide broadcasters with the commercially attractive spectacle of a pair of well-matched heavyweights locked in close competition.
But one of those clubs, Rangers, has clearly been spending money which it did not have in order to maintain the sham of its competitive status.
It has been living so far beyond its means that it is completely insolvent and facing oblivion.
Any attempt to restore the illusion that Rangers is a major club requires every other party to engage in a major deception.
Whatever damage the other clubs may sustain without Rangers is nothing in comparison to the self-harm that they'll suffer from continuing to take their share of the proceeds of TV deal which requires a level of financial doping, shameful governance and fiscal irresponsibility which brings the entire game into disrepute.
Those clubs and broadcasters may have had some excuse when they could reasonably claim not to have known what Rangers tried so hard to conceal. They do not have that excuse now and they have even less reason to assume that Rangers have learned their lesson. Nobody has spoken on behalf of Rangers to suggest that they are determined to face up to the consequences of their past wrongdoing. There has not been a word of apology nor any hint of an acknowledgement that they alone have been the architects of their own misfortune.
If anything we have seen the reverse – the club seems to think that its best chance of riding through this crisis is to insist on its own indispensability, regardless of what it has done wrong, and to issue threats to other clubs that they'll regret it later if they stand up to Rangers today.
That has always been The Rangers way.
The psychopathic inability to express or feel genuine remorse is a key characteristic of the club's mentality.
Similarly, their arrogant sense of entitlement and the belief that the world revolves around their interests are defining traits.
They are no more capable of abandoning their bullying than a crocodile is capable of learning to walk to heel.
That psychological trauma is still having an effect on some minds but the fears are unfounded now.
A new day is about to dawn in which the creatures of the night will be hopelessly exposed and vulnerable.
By the end of this week even the most dedicated Rangers apologists will be left speechless in the face of damning evidence of the club's indefensible conduct.
And those who have previously been indecisive when given the chance to point the finger of condemnation at Rangers will finally join the stampede to be at the front of the queue to sink the boot in.
There will be a brighter future as soon as the root cause of most of Scottish football's ills is discredited and permanently removed.
That will go a long way to alleviating whatever pain accompanies the adjustment.
We should neither fear pain nor expect that we can get through our lives without experiencing it.
It's an intrinsic part of the process of developing, growing, striving and achieving.
A period of pain for Scottish football doesn't frighten me in the slightest if it leads to a fairer sport and a better society in the long run.
It's time to get over the Stockholm syndrome.
Dear Creditor
Sir David Murray
Mr. Craig Whyte
Mr. Paul Murray
Mr. Bill Ng
Mr. Bill Miller
Mr Charles Green,
c/o The Rangers*,
Ibrox Stadium,
150 Edmiston Drive,
Glasgow G51 2XD
North Britain,
Mr. Bhutta
Bhutta's Newsagents,
142 Copland Road,
Glasgow G51 2UB:
Dear Mr. Bhutta,
Permit me to introduce myself. My name is Charles Green. Some people call me 'Emerald'.
I am a colourful businessman who has been a director of no fewer than fifteen companies which have gone into liquidation. My latest project is a football club called Rangers FC (in Administration) which I am hoping to gut and fillet in the coming weeks.
You may be aware that the Administrators of that football club, a firm called Duff and Phelps, are anxious to drag out the administration process for as long as possible because they are raking in a couple of hundred thousand pounds every week for as long as the money lasts. Who could blame them, eh? I'd do the same myself, given half a chance.
Speaking of me, it turns out that I am the latest one to have been offered the opportunity to buy Rangers FC (in Administration). My predecessor, an American chap called Mr. Bill 'Liam' Miller, had a quick look at the bookwork and, by all accounts, took suddenly ill. I, however, am made of sterner stuff, (not least because I'm English). Moreover, having been involved in fifteen liquidations myself, I can safely say that I'm quite an old hand at ignoring toxic debt. After the game against St. Johnstone on Sunday I had a quick butcher's at the Orcs' accounts and I have to say that of all the liquidations which I've been involved in, this one takes the biscuit! (As one businessman to another, let me just give you a quick tip – don't give these people any credit or you'll regret it. Make sure you get cash up front or no deal.)
Which brings me neatly, I feel, to the matter at hand. Looking at their accounts, I couldn't help but notice a list of 277 creditors who are owed a total which is not far off £134,000,000. One of these creditors is your good self. You are still owed the sum of £567.45, although it's so long overdue that you may well have forgotten all about it.
Incidentally, it did strike me that at the very least I might write a letter of apology to you expressing the club's deep sorrow and acute embarrassment at this state of affairs. However, I was dissuaded from following this course of action by a geezer called Sandy Something-or-other. He seems to be well thought of in some quarters and he assures me that this is not the Rangers Way. Apparently it does not do for Rangers to show any signs of remorse or regret. I might say that this strikes me as odd but I must also concede that, as an Englishman, I am fairly unfamiliar with the customs and traditions of your fine country which I had rarely visited until this week. Indeed, I had never even heard of Rangers until they made the UK news headlines during their visit to Manchester in 2008. (Something to do with a broken television, was it? I think Chelsea were involved too? I can't really remember the details.)
Anyway, Sandy says there's to be no apology, that Rangers don't show weakness, that you should consider yourself honoured to be a Rangers creditor and that you'll be remembered as one of the bastards who stuck the boot in once the 'Gers are back on top.
Would I dare to fly in the face of such sound advice on cultural manners from a local man? No chance. So. Up yours, it is, Mr. Bhutta.
That brings me to my next point. You've probably heard some talk about a CVA proposal. No doubt you will be too busy selling newspapers to have given the matter much thought. Let me give you a quick guide to what's going to happen. If you saw the unfortunate headlines in some of today's newspapers you may have gained the impression that I am spearheading a consortium of about twenty extremely wealthy partners who intend to pour vast sums of money into the club's Warchest™ in the near future. This may have had the unintended side-effect of raising your hopes that you may finally see your £567.45 one day. Sadly, nothing could be further from the truth. Those millions upon millions of pounds which my partners are going to invest are not for the likes of you, I'm afraid. That money is for Ally to spend on buying over-priced, over-paid, under-achieving no-marks for the Rangers first team of the future.
I may be new to this country but I've already done a bit of homework. Apparently, there is a newspaper called 'The Scotsman', which nobody ever reads these days. However, it was pointed out to me that its leader column just a few days ago stated that Scotland needs Rangers. I see no reason to doubt a newspaper which has been losing thousands of readers every month for many, many years now. It must know a thing or two about what Scotland needs. And it says that Scotland needs Rangers. Does it say that Scotland needs customers to pay their debts and settle their bills in full? No, it says that Scotland needs Rangers. So that settles that.
This means that instead of £567.45, the best you can hope for is £17.02, which is 3p in the pound. Frankly, I think you should be very grateful that you're being offered that much.
Personally, I am tremendously excited about the future possibilities of this approach to business, if it succeeds. As a businessman yourself, I am sure you can appreciate the enormous cost-saving benefits of a scheme which reduces expenditure by 97%! Holy smoke, if I could have got away with only paying 3% of my bills in the past, I might never have had any liquidations at all, let alone fifteen of the buggers!
Now. In case you're tempted not to accept this generous offer, let me just invite you to contemplate another very important consideration.
A man called Ally is thought to be very keen to have full transparency on the matter of the names and addresses of the creditors who endanger the future well-being of The Rangers (in Administration) by rejecting the CVA proposal.
Let's look at it this way. That's a nice business you've got there, Mr Bhutta. Sure would be a shame if anything were to happen to it, if you get my meaning. Of course, if you accept the CVA proposal of a measly three pence in the pound, you'll probably not have to worry about that. You seem like a smart kind of guy. I really wouldn't want to see you get on the wrong side of one of the notorious 'small minorities' who attach themselves in their thousands to Ally's team. (No, not Chelsea; his other team.) You want to take my advice and do the sensible thing just in case things in the future get a little 'transparent'. If you catch my drift.
If you bear in mind that the £550.43 which you'll never see will play its part in encouraging almost two dozen multi-millionaires to pour millions of pounds into wages for Rangers bench-warmers next season then you will have some considerable consolation for having been ripped off. Alternatively, you should look at your £567.45 in a different perspective. Paul Clark makes more than that just by twiddling his thumbs for an hour. You're in the wrong game, sunshine. Administration is where it's at.
I have taken the liberty of enclosing a Rangers (in Administration) season ticket application form with this letter so that you can enjoy the Rangers experience next season. You may also want to be the first among your friends to buy the classic Sheffield United home kit from the 2006-2007 season so I'm sending you a catalogue for the Blades mail order service as well.
Yours in
Sheffield United Rangers,
Charlie "Emerald" Green.
15 and counting.
P.S. These are very troubled times for The Rangers so I am sure you will understand why I found it necessary to send this letter to you without putting a stamp on the envelope.
After the Deluge.
THE Blue Knights have once again walked away from the bidding process, pausing only to call a surreal press conference in which they presented some sketchy details of their limping dog of a rescue proposal before issuing some veiled threats and indications of future reprisals. To put their risible proposal to rescue Rangers (in administration) in some context, let us remember that they must satisfy creditors who are owed up to £135,000,000 before they can even begin to finance a competitive team. The sum of money that they were prepared to put on the table was less than what Martin O'Neil paid to acquire Neil Lennon from Leicester City in 2000. Fergus McCann spent more in 1994 to save Celtic from a far less parlous condition.
As I see it, the Blue Knights knew themselves that they hadn't a hope of succeeding. What they were doing instead was keeping themselves visible and attempting to appeal to the core Rangers support, knowing full well that these fans are incapable of understanding the administration procedures at even the most basic level. Using threatening language about Duff and Phelps having "blood on their hands" is designed to evoke a response at the most visceral level from Rangers supporters who are addicted to denial and impelled to blame everyone else for their problems.
The Blue Knights have merely added Duff & Phelps to a list of scapegoats which already includes Craig Whyte, David Murray, HMRC, the SFA, the SPL, Neil Lennon, the Bank of Scotland, Mark Daly, three formerly anonymous SPL judicial tribunal panel members, the Vatican, Alex Thomson, the Republic of Ireland, FC Maribor, Professor Tom Devine, the BBC, Phil Mac Giolla Bhain, the White and Kelly families, UEFA, Jock Stein, the city of Manchester, Dick Advocaat, Chelsea supporters in disguise, Martin O'Neil, the Scottish newspaper industry, Hugh Adam, the Romanian Police Force, Fergus McCann, the RTC blog, faulty giant-screen televisions, Celtic supporters websites, Peter Lawwell, Lloyds Banking Group and Catholic schools.
The cynical nature of this tactic should surprise nobody. It's the only thing they have to offer. Paul Murray's record speaks for itself. He joined the Rangers board of directors in 2007. For five years he sat by and allowed the club to run up a level of debt which frightened Lloyds Banking Group into demanding seats on the board to protect itself from further damage. Like Martin Bain and other fellow directors, he was able to make money for himself out of the club while presiding over its terminal decline. That's too good a gig to abandon without a fight, especially if there isn't an alternative source of easy money.
Having steered their luxury liner at full speed into an iceberg and having recognised that it's definitely going to go down, Paul Murray and his cohorts decided to stand on the bridge and curse the elements for a few minutes before leaping heroically into their reserved lifeboat and advising everyone else to follow their example.
Their bid was merely a pantomime which they knew had no chance of being accepted. But it's given them a public platform to growl the kind of confrontational rhetoric which plays so well with the Rangers die-hards. They plan to be seen as the fans' choice when the battle begins to claim ownership of Traditional Rangers FC (est. 2015) after all the post-liquidation litigation finally comes to an end. And they are sticking to what has always worked for them in the past – eliciting knee-jerk responses from the mob with defiant rhetoric and posturing rather than attending to the fundamentals of running a sustainable business.
Jumping The Shark With Whitehouse And Clark.
In the light of the most recent developments in the ongoing collapse of Rangers FC (in administration), Duff and Phelps have issued yet another statement. Sources in the real world suspect that the statement may have been written on the other side of the Looking Glass by Monty Python during an LSD trip. This suspicion can be neither confirmed of denied at the present moment.
Unless you look at it.
The latest evolution of the Cunning Plan involves the miraculous recent materialisation of three unknown bidders from an unknown planet in an unknown universe.
One of these beings knows a previously unknown method of persuading HMRC to accept a pennies in the pound settlement from a position where it is owed more than 25% of the total debt. That this has never, ever, ever happened before is an inconvenient fact which is completely disregarded.
The statement, in the words of Sarah Bell of Duff & Phelps, notes that "if it is a stand-alone CVA then that will take several weeks to do".
Reassuringly, since one of the "three main factors is timing," this is somehow entirely consistent with the Administrators' hope that they will be "running with one of the parties in the next few days."
It's a simple matter of squeezing several weeks into the next few days.
A mere bagatelle.
The other two bids are, "following the same plan as Bill Miller, ie an asset sale to a newco with the old company exiting through CVA."
Ah, of course! That will be the plan which Mr. Miller immediately abandoned as soon as he saw the figures.
Now there's a reason to be cheerful!
A further boost to the morale is the fact that HMRC have not given an inch, are closely watching every move and are preparing to fire a fatal head-shot at the moment of their choosing. Or, as Sarah Bell expresses it, "HMRC are interested to see the merits of each one of the offers and they are open to further discussion with us."
As further proof that everything is going to be just fine and will probably be sorted out by the end of next weekend, Duff & Phelps have revealed that Rangers(IA) is going to be the only club in Scotland which isn't offering its supporters any opportunity to buy tickets for next season's matches.
If that doesn't inspire confidence, then nothing will.
It really has become pointless to look for any credibility in this increasingly ludicrous farce of a process. There are now fewer and fewer ways of looking at Clark and Whitehouse's strategy which make any sense to me.
If we cut through the last few months with the aid of Occam's razor, this outline fits pretty well;
Craig Whyte chose Duff & Phelps as administrators.
Duff & Phelps "ran the numbers", and soon concluded that RFC was a hopeless, irredeemable basket case.
After all, it took Miller's people less than four days to reach that conclusion.
It seems highly unlikely that Clark and Whitehouse still haven't grasped it.
So. What to do?
The options available were;
Option 1
Find a buyer for the club.
Problem: Minty had spent four or five years trying to offload it. He finally managed to collect one, single pound sterling.
Conclusion: No chance.
Option 2
Arrange a CVA.
Problem: With HMRC already having more than 25% of the total debt, the odds that more than 75% of the creditors will accept the proposed CVA are about the same as the prospect of Fergus McCann bailing out Rangers in a sensational gesture of philanthropy.
Conclusion: No chance.
Option 3
Sit tight, stonewall and collect £200,000 every week while going through the motions of trying to rescue the club for the benefit of the creditors. Leave Whyte, Ticketus, HMRC, the SPL, the SFA, the local newsagent and everybody else to sort out their problems amongst themselves in their own time, at their own expense. Repeat on a weekly basis until the money completely runs out. Finally, switch off the lights and go home.
Problem: What problem?


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Facility Features On-Site Library, Computer Lab, 24-Hour Fitness Center, Heated Swimming Pool, Movie Theatre and More
Syracuse, New York, September 05, 2012 - Bryant & Stratton College's Syracuse North Campus announced today that it is making student housing available starting this semester. The new residences are located at 8602 Dell Center Drive in Liverpool, only 1/8 of a mile from the College's academic buildings, and are part of the Rivers Pointe Apartments living community. Students will be able to choose either a two or three-bedroom unit and all apartments are fully furnished with utilities included (cable, heat, electric and water) and feature an attached patio, dishwasher, brand new appliances and a private washer and dryer. Students can designate their own roommates or be matched with other Bryant & Stratton College students. The College is still enrolling for the fall semester and there are available spots for students interested in living in the new housing facility.
For students already enrolled, a housing orientation is scheduled for Wednesday, September 5 with a welcome luncheon for students, parents and residence hall staff.
"We are pleased to now offer our Syracuse North students the opportunity to have an even richer college experience by living near campus with their peers," said Susan Cumoletti, Director of Bryant & Stratton College's Syracuse Campuses. "In addition to creating a safe and close place for students to study and live while attending Bryant & Stratton College, the residences will also provide a unique and fun environment with outings, trips and other activities to help students get engaged in the Clay community and all that it has to offer."
Cost to live in the new facility is priced lower than other area college resident halls and students will have the option of adding a meal plan through Wegman's. Plans range from a $500 to $1,500 grocery allowance per semester. The apartments are conveniently located within walking distance to Target and Wal-Mart, and near Barnes & Noble, Great Northern Mall and multiple restaurants. Additional on-site amenities include:
* Library and Computer Lab
* 24-Hour Fitness Center
* Heated Swimming Pool
* Tanning Bed
* Movie Theatre
* On-Site Residence Director
* 24-Hour Emergency Services
* Ample Parking
"Bryant & Stratton College is helping create a campus environment in the Town of Clay with the opening of its new residence hall on Dell Center Drive," said Damian Ulatowski, Supervisor of the Town of Clay. "We are delighted to become the home of the College's Syracuse North Campus and are excited to have these students join our community."
Over the summer, Bryant & Stratton College also completed a comprehensive renovation of the residence hall at its Downtown Syracuse campus on James Street. The updated facility will house 80 students this fall and now has brand new rooms with new furniture and fixtures and cable accessibility, in addition to common areas on each floor with flat screen TV's, new furniture and a kitchenette.
For more information about the new housing at Bryant & Stratton College's Syracuse North campus, please contact Residence Life Director, Rashad Smith at 315.652.6500.
About Bryant & Stratton College:
Bryant & Stratton College is a private career college delivering outcomes based education and training through a flexible, contemporary curriculum in a personalized environment. The College is regionally accredited by the Middle States Commission on Higher Education, which is an institutional accrediting agency recognized by the U.S. Secretary of Education, and the Council for Higher Education Accreditation. Bryant & Stratton College has campus locations in New York, Ohio, Virginia and Wisconsin, as well as an Online Education division, and a Professional Skill Center. For over 155 years, Bryant & Stratton College has been providing real world education leading to bachelor's degrees, associate's degrees and professional certificates in the fields of healthcare, technology, legal, business, & graphic design. For more information about our graduation rates, the median debt of students who completed the program and other important information, please visit http://www.bryantstratton.edu/disclosures. General information can also be found on the College's website at www.bryantstratton.edu.
Lindsey Read
3225 East 2nd Avenue
Denver, CO 80206


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The Best Indian Restaurants in Boston
Spice up your life with authentic chicken tikka masala and lamb tandoori in Cambridge, West Roxbury, and beyond.
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Given the continued rise of artisan pizza, sushi burritos, and other food trends in Boston, quality Indian cuisine can sneak under the radar. But in reality, there are plenty of places specializing in curry-fueled, tandoori-fired fare around town. Here are the 15 best Indian restaurants around Boston, where the naan is fresh and the saag is spiced right.
Himalayan Bistro
This West Roxbury institution has helped define what Nepali and Indian dining can be in Boston, with a breadth of fresh roti breads, dosa, addictive fried pakora and plump momo, and other Himalayan comforts. In late 2018, the owners expanded into Newton Center with a second restaurant called House of Tandoor.
1735 Centre St., West Roxbury, 617-325-3500, himalayanbistro.net.
Himalayan Kitchen
There are plenty of Indian eats and then some at this Union Square storefront, where generous helpings of goat biryani, tandoori tangri chicken, and house-made momo are available alongside steak tips, barbecue chicken, baby back ribs, and by-the-slice pizza. Skip the palak paneer pizza, though, in favor of the Indian fare and cross-continental mashups, like the fire-roasted Punjabi-style wings with mint and fiery chili sauce.
40 Bow St., Union Square, Somerville, 617-623-9068, himalayankitchenma.com.
India Pavilion
A Central Square landmark for nearly 40 years, this spot has had ample time to hone its North Indian entrées. You can taste that devotion in dishes such as the lamb vindaloo, chicken korma, or just about anything served during the daily lunch buffet.
17 Central Sq., Cambridge, 617-547-7463, indiapavilion.co.
India Quality
This North Indian spot is tucked a few steps underground in Kenmore Square, serving up numerous lunch specialties ranging from beef bhuna (a thick curry with onions and tomatoes), to deeply savory goat curry (just watch out for bones!). Save room for sweets like milky kheer pudding, and house-made kulfi ice cream.
484 Commonwealth Ave., Fenway/Kenmore, 617-267-4499, indiaquality.com.
The Maharaja
After a fire shuttered this sparkling spot for most of 2015, the team bounced back and have continued to dish out tandoori specialties and vegetarian fare. The second-story view of Harvard Square and the ornate Indian décor continue to draw crowds—as does the stacked daily lunch buffet, and the full bar with drinks like rum-spiked mango lassi.
57 John F. Kennedy St., Harvard Square, Cambridge, 617-547-2757, maharajaboston.com.
This halal haunt is cash-only, tiny, and a tad unassuming from the outside. But once you bite into a fresh and flaky samosa, or get a whiff of the curries the kitchen is cooking up, you'll see why Eastie locals continue to flock to this Jeffries Point gem.
329 Sumner St., East Boston, 617-567-1900, mehakhalal.com.
The South End spot has no shortage house-made breads, vegetarian options, and modern specialties like pork vindaloo, and the vegan-friendly subz panchmael, a cardamom-scented stir-fry of peppers, artichokes, asparagus.
578 Tremont St., South End, 617-859-4805, melaboston.com.
Passage to India
A large selection of snackable pakoras set the stage for house specialties like goat madras, cooked with potatoes and ginger; and the bhindi masala with okra. If you find yourself up North, opt to visit the restaurant's other outpost in Salem.
1900 Massachusetts Ave., Porter Square, Cambridge, 617-497-6113, 157 Washington St., Salem, 978-832-2200, passageindia.com.
Punjab Indian Restaurant
This comfortably elegant Arlington dining room offers a view into the open kitchen, where the staff is preparing Punjabi classics like a mild and creamy malai kofta, and tandoori lamb chops. But the South Indian-style dosas are also a draw.
485 Massachusetts Ave., Arlington, 781-643-0943, punjabarlington.com.
Punjab Palace
There's plenty of North Indian fare here, from vegetarian and meat curries, to house-made paneer with a spicy chili sauce. Spice-seekers, take note: this spot will hike up the heat if you ask. Make your order, then pull up a chair and catch a Bollywood flick on one of the restaurant's TVs.
109 Brighton Ave., Allston, 617-254-1500, punjabpalace.com.
Punjabi Dhaba
Indian food cart-style trays heaped with steaming vindaloo, assorted chaat, stuffed parathas, and more make it easy to see why this small Inman Square spot is always so busy. The unpretentious eatery—a sister spot to stalwart India Pavilion—serves up some of the city's finest Punjabi-style snacks, curries, and breads.
225 Hampshire St., Cambridge, 617-547-8272, punjabidhaba.co.
Shanti Restaurant
With locations in Dorchester, Roslindale, and Cambridge, seeking out Shanti is the easy part. Choosing what to eat from the sprawling menu of fragrant bhuna, korma, and jhalfrezi (a thick, green chili-spiced curry) dishes is a bit more difficult.
1111 Dorchester Ave., Dorchester, 617-929-3900, and other locations, shantiboston.com.
Surya Indian Kitchen + Catering
Cambridgeport gained an Indian spot in 2016, and immediately found a cult following with locals, largely due to attention to customers' dietary restrictions: all dishes are nut- and gluten-free, and all meats are certified halal. Try a Hyderabadi-style biryani with a cooling raita, or the hearty lentil daal.
114 Magazine St., Cambridge, 617-945-5489, suryaindiancaterers.com.
Tikki Masala
The menu at this Jamaica Plain go-to has it all: garlicky goat korma, tangy vindaloo, plenty of paneer, and much more. The restaurant's South Indian roots especially shine through with its assortment of crispy dosa and vada lentil doughnuts.
3706 Washington St., Jamaica Plain, 617-942-2966, tikki-masala.com.
Udupi Bhavan
The all-you-can-eat Sunday buffet at this Lowell gem has garnered enough praise on its own. Coupled with an array of dosa options, vegetarian choices, and weekly specials, and this South Indian restaurant is more than worth the trip.
1717 Middlesex St. #3, Lowell, 978-654-6653, udupibhavan.net.
Jacqueline Cain contributing reporting.
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