text:
Monday, November 29, 2010
Monday quotes
Posted by Fireman John at 8:37 AM 0 comments
Sunday, November 28, 2010
rules for today's youth
one of my all-time favorite lists;
Charles Sykes' original rules:
Rule 1: Life is not fair - get used to it!
Rule 2: The world doesn't care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.
Rule 3: You will NOT make $60,000 a year right out of high school. You won't be a vice-president with a car phone until you earn both.
Rule 4: If you think your teacher is tough, wait till you get a boss.
Rule 5: Flipping burgers is not beneath your dignity. Your Grandparents had a different word for burger flipping: they called it opportunity.
Rule 6: If you mess up, it's not your parents' fault, so don't whine about your mistakes, learn from them.
Rule 7: Before you were born, your parents weren't as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parent's generation, try delousing the closet in your own room.
Rule 8: Your school may have done away with winners and losers, but life HAS NOT. In some schools, they have abolished failing grades and they'll give you as MANY TIMES as you want to get the right answer. This doesn't bear the slightest resemblance to ANYTHING in real life.
Rule 9: Life is not divided into semesters. You don't get summers off and very few employers are interested in helping you FIND YOURSELF. Do that on your own time.
Rule 10: Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.
Rule 11: Be nice to nerds. Chances are you'll end up working for one.
Posted by Fireman John at 10:59 AM 0 comments
Friday, November 26, 2010
weekly roundup
Posted by Fireman John at 9:38 AM 0 comments
Monday, November 22, 2010
Monday quotes
Posted by Fireman John at 8:07 AM 2 comments
Friday, November 19, 2010
weekly roundup
Posted by Fireman John at 6:21 AM 0 comments
Wednesday, November 17, 2010
heading home
on my way back to Connecticut
after 4 weeks at the retreat.
I managed to lose 16 pounds through
smart eating and 2 to 3 walks a day
on the treadmill, 4 short of my goal.
it's time to seek employment. get
active in the community and continue
my daily walks.
my outlook has improved and I
will continue to make daily affirmations
and set goals for myself.
Posted by Fireman John at 8:04 AM 1 comments
Monday, November 15, 2010
Monday quotes
Don't waste a minute being unhappy. If one window closes - run
to the next window - or break down a door.
Cheerfulness keeps up a kind of daylight in the mind and fills it with
a steady and perpetual serenity.
- Joseph Addison
Decide what you want, decide what you are willing to exchange
for it. Establish your priorities and go to work.
- H. L. Hunt
You're not a failure if you don't make it. You're a success
because you tried.
- Susan Jeffers
Our prime purpose in this life is to help others. And if you can't
help them, at least don't hurt them.
- The Dalai Lama
What you think of yourself is much more important than what
others think of you.
- Seneca
The whole process of mental, spiritual, and material riches
may be summed up in one word – gratitude.
Give the gift of attention today. Listen to someone without
giving an opinion.
Cheerfulness keeps up a kind of daylight in the mind and fills it with
a steady and perpetual serenity.
- Joseph Addison
Happiness is not a state to arrive at, but a manner of traveling.
A man cannot be comfortable without his own approval.
- Ralph Waldo Emerson
Decide what you want, decide what you are willing to exchange
for it. Establish your priorities and go to work.
- H. L. Hunt
You're not a failure if you don't make it. You're a success
because you tried.
- Susan Jeffers
Our prime purpose in this life is to help others. And if you can't
help them, at least don't hurt them.
- The Dalai Lama
What you think of yourself is much more important than what
others think of you.
- Seneca
The whole process of mental, spiritual, and material riches
may be summed up in one word – gratitude.
Give the gift of attention today. Listen to someone without
giving an opinion.
Posted by Fireman John at 10:18 AM 0 comments
Friday, November 12, 2010
weekly roundup
news of substance abuse from
Lil Wayne Given Three-Year Alcohol Ban
Rapper Lil Wayne has been ordered not to consume any alcohol for the next three years or be in violation of his probation, according to court records. After his release from prison after serving eight months for criminal possession of a weapon, the rap artist was told he "may not consume or drink any substance containing alcohol" for the next 36 months.
Former NFL Player Arrested for 6th DUI
Former NFL player Reggie Rogers has been arrested for his sixth drunk driving arrest in Seattle. Rogers' football career came to and end in 1988 after he crashed his vehicle while drunk and killed three teenagers.
Rapper Wiz Khalifa Arrested for Drugs
Rapper Wiz Khalifa, whose real name is Cameron Thomaz, has been arrested on drug charges after police found about two ounces of marijuana on his tour bus at East Carolina University. Khalifa, who has released his own brand of rolling papers, gave police permission to search the bus after they smelled a strong odor of weed coming from the vehicle.
Washington State Bans Alcoholic Energy Drinks
The Washington state Liquor Control Board voted to ban alcohol energy drinks from the state effective Nov. 18. The action by the board comes after nine Central Washington University students were hospitalized after drinking Four Loko at a party last month.
Driver Faces Fifth DUI and Murder Charge
A woman who has been held without bail since November is facing DUI and murder charges in the death of a 23-year-old Alaska man who died after a head-on crash. Police said Lori Phillips, 56, had a blood-alcohol content four times the legal limit and was out on bail for another DUI arrest at the time of the fatal crash.
Teen Driver Sentenced in Drunken Texting Case
An 18-year-old Illinois man has been ordered to perform 40 hours community service and take alcohol and drug counseling after he was arrested for drunk driving while texting his girlfriend on his cell phone. Montie L. Skaggs Jr. was stopped after police saw him driving erratically and texting at the same time.
Posted by Fireman John at 10:49 AM 0 comments
Wednesday, November 10, 2010
changing perspective
I've come to realize that I need
to change my outlook on life.
some steps are to;
accentuate the positive
acknowledge the negatives
maintain a "can do" attitude
plan each day
recognise triggers and stressors
initiate dialogue and conversation
focus on making the days count,
rather than counting days.
become more available, reliable,
responsible and accountable.
continue to reinforce the benefits
of continued sobriety;
health and well being
mental clarity
social awareness
family harmony
Posted by Fireman John at 10:43 AM 0 comments
Monday, November 8, 2010
Monday quotes
The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.
—William Arthur Ward
Do not confuse motion and progress. A rocking horse keeps moving but does not make any progress.
—Alfred A. Montapert
Tomorrow is often the busiest day of the week.
—Spanish Proverb
There is a great difference between worry and concern. A worried person sees a problem, and a concerned person solves a problem.
—Harold Stephens
I always wanted to be somebody, but now I realize I should have been more specific.
—Lily Tomlin
Discipline is just choosing between what you want now and what you want most.
—Unknown Author
The bad news is time flies. The good news is you're the pilot.
—Michael Althsuler
It is amazing what you can accomplish if you do not care who gets the credit.
—Harry Truman
"Laugh as much as you breath and love as long as you live."
"Worrying about something is like paying interest on a debt you don't even know you owe".
Mark Twain
Posted by Fireman John at 10:33 AM 0 comments
Sunday, November 7, 2010
update from Iowa
starting my third week tomorrow;
after six months of couch-potato life,
I found myself walking the second day
after arrival.
I seem to have had a "forrest gump"
experience and have been walking
daily ever since.
also added 3, 30 minute sessions on
the treadmill, in addition to our daily
trips to the gym.
so far, I have lost 12 pounds between
the exercise and healthy diet;
no snacks, desserts, bread, potatoes
or rice--lots off egg whites, salads,
and fruits and vegetables.
hoping to lose 8 more pounds by the
end of next week---wish me luck!
Posted by Fireman John at 12:53 PM 0 comments
Friday, November 5, 2010
risk vs reward
why did I drink?
relaxation, self-confidence, social
interaction, less inhibition, and
quite the list of positive experiences
that explain the allure that drinking
has had for me.
the drawbacks of my imbibing were
weight gain, high blood pressure,
increased depression, emotional
instability and decreased responsibility.
research shows that heavy drinkers tend
to believe the benefits outweigh the drawbacks
the data shows the major dilemma for many
as the immediate, positive social and
emotional results tend to reinforce drinking;
while ignoring the negatives that accumulate
and impact them later.
to me, and surely many others, powerful
reasons for relapse.
Posted by Fireman John at 9:55 AM 1 comments
Wednesday, November 3, 2010
euphoric recall
for me, the most difficult aspect
of maintaining sobriety.
having had so many pleasurable,
memorable experiences for many
years, despite knowing the consequences,
the thought of a drink still persists.
what I must also remember are the
negative, harmful effects from my
compulsive drinking years.
the absolute worst events of my life
involved alcohol either directly or
the old mantra, "think it through",
is certainly relevant and important
in my life today
Posted by Fireman John at 10:01 AM 2 comments
Tuesday, November 2, 2010
most harmful drug?
according to the latest research,
the 3 most harmful are;
3.) crack
2.) heroin
1.) alcohol
I was, yet I wasn't--
the far reaching effects of
drinking in our daily lives
at work, on the road and on
the health professions, make
alcohol a triple threat.
the impact on physical, mental
and emotional health is devastating.
add to that it's legal, and socially
Posted by Fireman John at 10:33 AM 0 comments


text:
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subset: commoncrawl


text:
ANNUAL MANUAL- Real Estate: Throne Room: Architects re-draw the bathroom
Bedrooms range from humble bunks to lavish boudoirs; kitchens run the gamut from a single hot plate to vast temples to the cooking gods filled with every state-of-the-art convenience; and dining rooms can be anything from the space in front of the television to giant halls seating dozens of guests for a five-course meal. But one room in modern houses offers very little variation in design.
However, there are two architects whose conventions-be-damned attitude means re-imagining the bathroom.
Dreyfus prioritizes both privacy and storage for personal items when he designs a bathroom. How he does it is what's surprising.
"Daylight is very important to me because bathrooms have turned into such predictable, cluttered, and claustrophobic spaces," he says, "They ought to be fun places where you want to be."
So when restoring his own 1930s-era Charlottesville house along with partner Bob Headrick, Dreyfus decided to convert a bedroom into a master bath to indulge his desire for a spacious oasis from the day-to-day grind. The result is a room that looks decidedly minimalist, even typical upon first glance. However, it quickly reveals some quirks.
For one thing, Dreyfus guaranteed that nobody would ever go through his medicine cabinet– there is none. Instead, he decided to install baskets on the back of a door leading to the washer and dryer, immediately oppositethe sink.
"People say, 'I'm used to having everything in front of me,' but it's really no more effort to turn around, walk a step, and get what you need," says Dreyfus. "It's more appropriate for the way we live now: uncluttered and streamlined."
That sums up the effect Dreyfus intended. In keeping with the idea of natural simplicity, he made an effort to keep the space open for natural light and intrude as few individual design elements as possible.
Instead of two separate sinks, there is one long trough with two faucets. Instead of lighting fixtures hanging from the ceiling, he put lights inside the top of a short wall that divides the sink from the shower. Instead of a curtain or glass door, a short wall separates the shower from the rest of the room.
Making the short walk around the wall sheds light on the room's most uncommon feature: a window in the shower.
"We used the existing window from the bedroom, and it's nice for bringing a lot of daylight in," says Dreyfus.
The window not only lets the sunshine in: it offers a view of lush greenery behind the house that Dreyfus says he looks forward to every morning. Additionally, he says it assures the only peeping going on back there is at the leaves.
"We don't have any neighbors out that window," he says, "but if somebody's coming to do some work on the house, we want to be aware."
Candace Smith doesn't necessarily consider herself an architect who's at one with nature.
"Each bathroom design is meant to respond to the client's needs," she says. "I've done everything from French doors leading outside to curved ceilings. It's really a matter of the feel the client wants."
However, in the case of an addition she designed for UVA law professor Mimi Riley and her family's 1984 Albemarle home, a bucolic feel was exactly what the doctor (of laws) ordered.
"I wanted to feel away from it all," Riley explains. "We knew the bathroom was going to be above the sunroom we were putting in on the first floor, so we wanted to retain a fair amount of that feeling."
With that initial vision, Riley and Smith collaborated on a room that was right up Smith's alley.
"I got to use a lot of the features I like to put into the bath: a private room for the toilet– a water closet, as I like to call it– a nice big window, a large shower, two different vanities so both partners can be as neat or as messy as they want without getting into each other's faces," she says. "It has all the natural light and space that a bath should have."
While compromises due to budget and space are par for the course on any project, there was one element Riley succeeded in getting exactly as she had dreamed it would be: a tub from which she could look out on the forest behind her house.
"I wanted it to feel like a treehouse, and that has definitely happened," she says. "You really do feel like you're out in the woods sitting there. We even put stone in instead of glass tile to add to that feel. It's a great refuge away from everything, and it's remarkably private."
Of course, not every aspect of the room occurs in nature.
"They have towel warmers in there now," says Smith. "It fits with the whole warmth of the space."
Editor's Note: This is an abridged version of a story published June 21, 2007.


text:
This website is about one thing: helping you take better pictures with your smart phone, Iphone, Ipad, compact camera, Gopro or whatever you have, because regardless of the camera, the principles of Lightism remain the same.
If you want confirmation that camera and mega pixels doesn't really matter – checkout Instagram:
It's a smartphone and Iphone app that lets you take picture, apply filters and share your work. In May 2010, it exceeded 50 MILLION users worldwide…..it's a brave new world!
So, Lightism is about getting you to think and see the light differently, equipping you with tools and techniques to take your photography to the next level.
The good news is that it's not complex & it certainly isn't expensive.
So, join thousands of people all over the world just like yourself and start taking better pictures today for free:
As for me, my name is Simon Ellingworth; I'm a Professional Photographer, educator and all round creative based in London, England.
In 2013, I was a finalist in the International iPhone Photography Awards, Mobile Photography Awards & Professional Photographer of the Year, last year I was runner up in Professional Photographer of the Year and
Sony World Photography Awards. [selected from over 121,000 images from 171 countries]
Some months ago I started a photography education blog based upon the premise 'buying a better camera won't make you a better photographer' aimed at smart phone, tablet, GoPro and traditional photographers called Lightism. My tutorials have been published by a number of blogs including Lifehacker, DIY Photography.net, Life in Lofi, SLR Lounge, etc…so I guess I must be doing something right!
Amazingly, I've been approached by a British book publisher who'd visited Lightism, they are currently hammering out a book deal for me in the USA. In short, I'm living the dream!
See my photography at SimonEllingworth.com
Wedding photography at Photoality.co.uk
& insightful stories at JourneyofOne.co.uk
So, introductions over, if you're up for learning some cool stuff…
Step this way:
4 comments to "Welcome"
Diane Cashion, January 16, 2013 at 5:20 pm
Great tips/info whether you're a "seasoned" digital photographer or new at it. Thanks for putting all these tidbits out there !
Peter Bryenton, March 9, 2013 at 9:14 am
Very pleasing to see a Pro embracing this new technology so positively & successfully. Thank you Simon.
John Iversen, March 10, 2013 at 1:50 am
Recently entered the iPhonography universe via my 4s, having been an (Olympus) SLR/DSLR shooter since 1972; cal me a passionate amateur.
All I can say – and I'm giving away my age here – is that iPhonography is to conventional SLR work as long hair, bellbottoms and rock posters were to buzzcuts, buttondowns and Army recruiting posters in the dread 'sixties of the last century. And you might likely guess which end I was on . . .
That said, I've been looking for a site/forum that enjoys the leading/bleeding edge of the new 'ography, and this one looks promising.
Keep on truckin'


text:
Camera file photo
Jeremy Papasso / Daily Camera file photo
Rob Corry, a Denver attorney who has been a prominent voice for marijuana legalization and the rights of medical marijuana patients, said he and his clients won't apply for a special visitors' permit to hold a 4/20 rally at the University of Colorado after all.
Corry had floated the idea a few weeks ago after the university announced the Boulder campus would again be shut down to outside visitors on April 20, which falls on a Saturday this year.
But Corry said that after consulting with his clients, they have decided it's not worth formalizing a contract or paying to rent out the field for a 30-minute gathering.
An unsanctioned smoke-out staged on Norlin Quad had surpassed 10,000 people in past years, prompting the university to shut down the field completely and require students and employees to show their campus identifications when coming on to the Boulder campus on April 20 last year.
Leading up to the so-called pot-smokers' holiday last year, Corry filed an emergency injunction seeking to block the university from shutting its campus.
A Boulder District Court judge ruled in favor of the Boulder campus, though. CU attorney Patrick O'Rourke said today that the university has received no permit applications for its campuses to hold 4/20 events.
Contact Camera Staff Writer Brittany Anas at 303-473-1132 or email@example.com.


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SAMJ: South African Medical Journal
versión On-line ISSN 2078-5135
versión impresa ISSN 0256-9574
SAMJ, S. Afr. med. j. vol.101 no.9 Pretoria sep. 2011
Should baseline PSA testing be performed in men aged 40 to detect those aged 50 or less who are at risk of aggressive prostate cancer?
C F HeynsI; M FisherII; A LecuonaII; A van der MerweIII
IMB ChB, MMed (Urol), PhD, FCSSA (Urol). Department of Urology, Stellenbosch University and Tygerberg Hospital, Tygerberg
IIMB ChB, MMed (Urol), FC Urol SA. Department of Urology, Stellenbosch University and Tygerberg Hospital, Tygerberg
IIIMB ChB, MRCS, MMed (Urol), FC Urol SA. Department of Urology, Stellenbosch University and Tygerberg Hospital, Tygerberg
OBJECTIVE: We aimed to evaluate the presenting features and treatment outcome of prostate cancer in men aged <50 years, in a region where prostate specific antigen (PSA) screening is not readily available and most men present with symptoms.
METHODS: We analysed the data of 1 571 men with prostatic adenocarcinoma treated between January 1997 and December 2008 at our institution, a tertiary level public sector hospital serving a largely indigent population. Statistical analysis was performed using Student's, the Mann-Whitney and Fisher's exact tests where appropriate (p<0.05 accepted as statistically significant).
RESULTS: Of 1 571 men, 47 (3%) were aged <50 years. The group aged <50 years, compared with that aged >50 years, had a significantly greater proportion with poorly differentiated adenocarcinoma (53%), locally advanced (stage T3 - 4) tumours (56%), haematogenous metastases (75%), significantly higher serum PSA at diagnosis (mean 621, median 74 ng/ml) and shorter survival.
CONCLUSIONS: Men aged <50 years presenting with symptoms owing to prostate cancer had significantly higher-risk disease, higher mean PSA, and poorer prognosis than men aged >50 years. To diagnose prostate cancer at a potentially curable stage in men aged <50 years, it is necessary to initiate baseline PSA testing at age 40 and 45 years, and to select high-risk men for PSA surveillance in order to diagnose potentially curable cancer in those with a life expectancy >20 - 25 years.
Although prostate specific antigen (PSA) screening of asymptomatic men aged 50 - 75 years may reduce the prostate cancer mortality by at least 20%, there is concern about the high rate of overtreatment.1 The risk of overtreatment is increased in older men with less aggressive cancer. In men younger than 50 years - especially those with highrisk prostate cancer - early diagnosis and curative treatment are more important than in elderly men, and the risk of overtreatment is less.
Before the advent of widespread PSA testing, men <50 years old comprised 0.8 - 1.1% of patients diagnosed with adenocarcinoma of the prostate in the USA.2 With the widespread use of PSA testing and public awareness of prostate cancer, this figure in the USA is currently 3.7 - 4%.3
Pre-PSA era studies suggested that prostate cancer in younger men is more aggressive, presents at a more advanced stage, responds poorly to radiation or hormonal therapy, and has a worse prognosis than in older men.4 Other studies have suggested that younger men present with more favourable disease and have better survival outcomes than older men.5 Some reports suggested no significant difference in clinical stage at diagnosis or disease recurrence rates between younger and older men.6 Recent studies have shown that younger men in the PSA era have better outcomes than older men.3,5,7
We aimed to evaluate the presenting features and treatment outcome of prostate cancer in men aged <50 years, in a region where PSA screening is not available and most men present with symptoms.
Materials and methods
We analysed the data of 1 571 men diagnosed with adenocarcinoma of the prostate in the period January 1997 to December 2008 at our institution, a tertiary level public sector hospital serving a largely indigent population. The majority presented with symptoms, because PSA testing is not readily available at clinics or hospitals in our referral area. Because many studies suggest that prostate cancer is more common and more aggressive in Blacks, the study data were also analysed for patients' race.
Histological grading was divided into well differentiated (MD Anderson grade 1, Gleason score 2 - 4), moderately differentiated (G2, Gleason 5 - 7) and poorly differentiated (G3, Gleason 8 - 10). Clinical tumour stage on digital rectal examination was categorised as organ-confined (T1 - 2) or locally advanced (T3 - 4). Haematogenous metastases were evaluated with X-rays of the axial skeleton and radionuclide scintigraphy in selected patients, and were categorised as absent (M0) or present (M1).
Statistical analysis was performed using Student's t-test for parametric data, Mann-Whitney test for non-parametric data, and Fisher's exact test for contingency tables. A two-tailed p-value <0.05 was accepted as statistically significant. Ethical approval was provided by the health research ethics committee of the University of Stellenbosch.
Of the 1 571 men, 47 (3%) were aged <50 years. Race was selfassigned as white in 27.3%, coloured in 65.1% , and black in 7.7%. This racial distribution reflects our hospital patients' population demographics. In the group of men <50 years old, the proportion of white men was significantly lower, and the proportion of coloured men was higher than in the age group >50 years (Fig. 1).
The proportion of high-grade tumors was significantly greater in the age group <50 years (53%) than in any of the other age groups (Fig. 2). The proportion of locally advanced (T3 - 4) tumours was significantly greater in the age group <50 years (56%) than in the age groups 51 - 60 and 61 - 70 years (42%), but smaller than in the age group 81 - 90 years (74%) (Fig. 3). The proportion of men with haematogenous metastases was significantly greater in the group aged <50 years (75%) than the other age groups (Fig. 3).
Mean and median serum PSA at diagnosis was significantly higher in the group aged <50 years than the other groups (Fig. 4). In the group <50 years old, 39% had a serum PSA <20 ng/ml, 22% had a PSA 21 - 99 ng/ml, and 39% had a PSA >100 ng/ml at diagnosis, ranging from 105.0 - 7 000.0 ng/ml. Five men had a PSA >1 000 ng/ml.
Potentially curative therapy (radical prostatectomy or radiotherapy) was used in a similar proportion of patients in the group aged <50 years as in the groups aged 51 - 70 years (Fig. 5).
Mean and median follow-up (reflecting overall survival) was significantly shorter in the groups aged <50 and 81 - 90 years than in the other groups (Fig. 6).
In this study of men with prostate cancer who were diagnosed because of symptomatic presentation and not through PSA screening of asymptomatic men, the proportion aged <50 years (3%) was higher than that reported in the USA during the pre-PSA era (0.8 - 1.1%), and lower than reported in the PSA era (3.7 - 4%). 3
The features of aggressive prostate cancer (high grade, advanced stage, high serum PSA) were significantly more common in men aged <50 years in our study population, which corresponds with studies from the USA in the pre-PSA era,4 but is contrary to studies reporting more favourable disease at presentation and better treatment outcomes in younger men.3,5,7
Changes in PSA levels over time (PSA kinetics) can help to detect potentially fatal prostate cancer. Carter et al. (1992) first reported that a PSA velocity (PSAV) >0.75 ng/ml/year indicated an increased Fig. 1. Race distribution in various age groups. risk for the development of prostate cancer.8 Other studies have shown that a PSAV >2 ng/ml/year, calculated by linear regression, was associated with an increased risk of death from prostate cancer.9
In men with untreated prostate cancer, PSA levels increase initially linearly, followed by an exponential phase.9 Therefore, PSA doubling time (PSADT) calculated using log-linear regression may be a more appropriate measure of cancer growth. A shorter PSADT is associated with a higher risk of death from prostate cancer.10
It has been suggested that a screening interval of 3 years is appropriate for men with a PSA <1 ng/ml, and that it seems safe to offer repeat PSA screening after 2 years for men with a PSA <2 ng/ml, since rapidly growing interval cancers appear to be rare.11 It has been suggested that men with a PSA of 2 - 3 ng/ml may be better served with a shorter screening interval.12
A computer model13 to simulate the natural history of prostate cancer to determine the optimal starting age for PSA testing showed that annual PSA testing from the age 50 years compared with no screening prevented 3.2 deaths, with an additional 10 500 PSA tests and 600 prostate biopsies. PSA testing at ages 40 and 45 years followed by biennial testing beginning at age 50 years prevented 3.3 deaths, with an additional 7 500 PSA tests and 450 prostate biopsies. The authors concluded that screening men at age 40 and 45 years with a 2-year testing interval after age 50 years (or before if the PSA level >2.0 ng/ml), while holding the PSA threshold for a prostate biopsy at 4.0 ng/ml, may be more efficient than annual PSA screening from the ages of 50 - 75 years, because it could prevent an equal number of prostate cancer deaths and reduce the number of PSA tests administered and biopsies performed.13
Men with PSA levels >2.0 ng/ml are more than 12 times as likely to be diagnosed with prostate cancer within the next decade compared with those with PSA levels <1.0 ng/ml.14 These data support the rationale for increased surveillance of young men with normal PSA levels >2.0 ng/ml, while continuing to use 4.0 ng/ml as the cut-off for taking a biopsy.13
In our study of men <50 years who presented because of symptoms and were diagnosed with prostate cancer, 39% had a PSA >100 ng/ ml at diagnosis, ranging from 105.0 -7 000.0 ng/ml. Postulating an exponential rather than linear PSA increase and a PSADT of <12 months in these men presenting with PSA>100 at the age of 50 years, it is clear that to detect cancer at a potentially curable stage (PSA <20 ng/ml) would have required PSA testing at the age of 40, or even earlier.
In a large cohort of men aged <50 years with a PSA <4 ng/ml at the first PSA screening, black and white men with an initial PSA in the 1.5 - 2.4 ng/ml range had a 9.3- and 6.7-fold increase in the risk for prostate cancer, respectively. These data suggest that an initial PSA cutoff of 1.5 ng/ml may be better than a median PSA of 0.7 ng/ml to determine the risk of prostate cancer in men aged <50 years.15
An important problem in prostate cancer treatment was succinctly summarised in the question posed by W F Whitmore: 'If cure is possible, is it necessary? And if it is necessary, is it possible?'16 Many prostate cancers are not aggressive and, even if untreated, will not cause the patient's death. However, some prostate cancers are so aggressive that no combination of therapeutic modalities can effect cure. However, it is clear that early-stage cancer has a greater chance of cure than advanced cancer.16
Although PSA screening of asymptomatic men may reduce prostate cancer mortality, there is a high rate of overtreatment, especially in older men.1 As a public health measure, PSA screening is most probably not cost-effective, especially because prostate cancer mainly affects older men who are not economically productive.17 Nevertheless, from the individual's point of view, it is preferable to diagnose and treat prostate cancer at a potentially curable stage, rather than suffer the extreme pain of skeletal metastases in terminal prostate cancer.
In our referral population, where PSA testing is not readily available and most men present with symptoms, 3% of patients diagnosed were aged <50 years. Of them, a significantly greater proportion had high-grade adenocarcinoma, locally advanced or metastatic disease, serum PSA >100 ng/ml, and shorter overall survival followup compared with those >50 years old. To diagnose prostate cancer at a potentially curable stage in men <50 years old, initial baseline PSA testing must be extended to the age range 40 - 45 years, to select men at increased risk of cancer (PSA >0.7 - 1.5 ng/ml). Annual PSA surveillance should be targeted at these high-risk men, with the aim of diagnosing prostate cancer at a potentially curable stage in men with life expectancy >20 - 25 years. In men at low risk of developing prostate cancer, PSA testing can be deferred to the age of 50 and can be performed at less frequent intervals (3 - 4 times yearly); this may be a more cost-effective way of detecting aggressive prostate cancer at a curable stage.
Acknowledgement. We thank Mrs Mariëtte Pretorius for entering the clinical data on the Urological Oncology database.
1. Schröder FH, Hugosson J, Roobol MJ, et al. Screening and prostate-cancer mortality in a randomized European study. N Engl J Med 2009;360:1320-1328. [ Links ]
2. Huben R, Natarajan N, Pontes E, et al. Carcinoma of the prostate in men less than 50 years old. Data from American College of Surgeons' National Survey. Urology 1982;20:585-588. [ Links ]
3. Khan MA, Han M, Partin AW, et al. Long-term cancer control of radical prostatectomy in men younger than 50 years of age: update 2003. Urology 2003;62:86-92. [ Links ]
4. Sandhu DP, Munson KW, Benghiat A, et al. Natural history and prognosis of prostate carcinoma in adolescents and men under 35 years of age. Br J Urol 1992;69:525-529. [ Links ]
5. Carter HB, Epstein JI, Partin AW. Influence of age and prostate-specific antigen on the chance of curable prostate cancer among men with nonpalpable disease. Urology 1999;53:126-130. [ Links ]
6. Smith CV, Bauer JJ, Connelly RR, et al. Prostate cancer in men age 50 years or younger: a review of the Department of Defense Center for Prostate Disease Research multicenter prostate cancer database. J Urol 2000;164:1964-1967. [ Links ]
7. Ruska KM, Partin AW, Epstein JI, et al. Adenocarcinoma of the prostate in men younger than 40 years of age: diagnosis and treatment with emphasis on radical prostatectomy findings. Urology 1999;53:11791183. [ Links ]
8. Carter HB, Morrell CH, Pearson JD, et al. Estimation of prostatic growth using serial prostate-specific antigen measurements in men with and without prostate disease. Cancer Res 1992;52:3323-3328. [ Links ]
9. Teahan SJ, Klotz LH. Current role of prostate-specific antigen kinetics in managing patients with prostate cancer. BJU Int 2006;97:451-455. [ Links ]
10. Sengupta S, Myers RP, Slezak JM, et al. Preoperative prostate specific antigen doubling time and velocity are strong and independent predictors of outcomes following radical prostatectomy. J Urol 2005;174:2191-2196. [ Links ]
11. Carter HB, Epstein JI, Chan DW, et al. Recommended prostate-specific antigen testing intervals for the detection of curable cancer. JAMA 1997;277:1456-1460. [ Links ]
12. Hugosson J, Aus G, Lilja H, et al. Prostate specific antigen based biennial screening is sufficient to detect almost all prostatic cancers while still curable. J Urol 2003;169:1720-1723. [ Links ]
13. Ross KS, Carter HB, Pearson JD, et al. Comparative efficiency of prostate-specific antigen screening strategies for prostate cancer detection. JAMA 2000;284:1399-1405. [ Links ]
14. Gann PH, Hennekens CH, Stampfer MJ. A prospective evaluation of plasma prostate-specific antigen for detection of prostatic cancer. JAMA 1995;273:289-294. [ Links ]
15. Tang P, Sun L, Uhlman MA, et al. Initial prostate specific antigen 1.5 ng/ml or greater in men 50 years old or younger predicts higher prostate cancer risk. J Urol 2010;183:946-951. [ Links ]
16. Heyns CF, Van der Merwe A. Prostate cancer management - helping your patient choose what is best for him. SA Fam Pract 2008;50(5):27-34. [ Links ]
17. Heyns CF, Van der Merwe A. Prostate specific antigen -brief update on its clinical use. SA Fam Pract 2008;50(2):19-24. [ Links ]
Accepted 12 April 2011.
Corresponding author: C F Heyns (firstname.lastname@example.com)


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Quartz, granite and ceramic worktops are available across a wide choice of colours, styles and manufacturers. At CGW we always have the most up-to-date designs available at affordable prices.Find out more
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The good news is you have a perfectly good kitchen. The layout works; the cabinets are solid; but it just needs a little uplift. There are plenty of relatively minor changes you can make that don't involve restructuring your life or your house.Find out more
Need a hearth for a wood burning stove or electric fire, we can supply either quartz or granite in a variety of colours on a supply only basis.Find out more
Do you need a hard-wearing surface for an outdoor kitchen or BBQ area? We can supply and fit granite surfaces for cooking areas, but also table tops for dining or bistro areas that can fit onto your existing furniture.Find out more
Find out what our customers think, with a selection of reviews from FreeIndex and Houzz.
We would highly recommend Cheshire Granite. This is the second time we have purchased worktops. Donna was friendly and professional. Nothing was too much trouble. We also had a bar table top made to match.
Following placing order came to measure up very quickly on the Monday and FITTED following day, Tuesday !
The whole process ran very smoothly, from selecting the worktop with Donna's help to final fitting. Each stage took place exactly on time and the work was carried out expertly with the minimum of fuss. Organisation, workmanship and product quality were all first class.
We had Quartz worktops fitted to our existing kitchen. Great service from ordering right through to fitting and not ridiculously priced which when I saw the address of Knutsford I thought they might be, very wrong. The guys workmanship is outstanding, very pleased with the end result, completely refreshed our kitchen.
Cheshire Granite Worktops supplied and fitted a beautiful piece of quartz for our kitchen island, they were very professional, reasonable prices and had great customer service. The end result was a beautiful piece of quartz that is one of the highlights of our kitchen. Highly recommended.
We were so glad we went to Cheshire Granite Worktops when we were designing our new kitchen. Donna helped us choose the best Quartz to go with the colour we had thought of for our units. Nothing was too much trouble. And the quality and precision of the fitting was exceptional. Everyone who has seen our new kitchen has been well impressed. We can thoroughly recommend this firm.
We had a granite worktop for our new kitchen. Donna was fantastic at helping us choose our surface; once chosen the templating and fitting were first class wouldn't hesitate to advise CGW for any work, excellent value for money and real made to feel that they value your custom.
We had our Quartz work tops fitted by Cheshire Granite Worktops in April and we couldn't be more pleased with the results. The team were highly professional and had done the template and fitting within 2 days. Would recommend them.
I like to use local business so Cheshire Granite was just round the corner for me. From my first visit to the showroom and meeting Donna, to the final fix of my worktops, the service was excellent. The choice available was very good and the fitting first class.
Check out our Instagram gallery, stuffed full of great images showcasing our work!


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China, which is the second biggest economy in the world, saw a surprise drop in their exports last month. Eunice Yoon is in Beijing with more.
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Here are some of the top tricks and tips for avoiding getting a parking ticket in the City of Vancouver.
Parking Secret No. 0. Be nice to the Parking Guy You never know when they'll let you off.
Parking Secret No. 1. If there's one place you should make sure to plug the meter, it's in the 800-block of Hornby, right in front of the Law Courts. That's because parking officers are testifying in traffic court and often write a few tickets on their way in or out. The Starbucks at Helmcken and Howe is also a danger zone: it's right across the street from parking headquarters and where many parking officers go for coffee. I lived upstairs from this Starbucks for 5 years and watched the Yellow Jacket gang ticket every car even when they're off shift.
Parking Secret No. 2. If you're running into Future Shop at Broadway and Pine and figure you're safe in a permit spot for a minute or two, think again. More people receive permit-related tickets in the 2500-block of Pine than anywhere else. That's because a resident calls parking enforcement about three times a day to complain about illegal parkers. Other blocks under the constant watch of irate residents include the 2400 blocks of Bayswater and Trutch and the residential streets around Langara College.
Parking Secret No. 3. For parking-meter tickets only, every driver in the city is entitled to one "courtesy cancellation." If you call 604-257-8732, and ask nicely, the city will usually waive your fine. Each licence plate gets only one free pass over the life of the vehicle.
Parking Secret No. 4. The worst day of the week to park illegally is Wednesday. Parking officers work a nine-day fortnight and the one day virtually all of them are on shift is Wednesday. Not surprisingly, it's also the day the most tickets are issued: 20 per cent more tickets, in fact, than on a typical Monday.
Parking Secret No. 5. The riskiest time of day to park illegally is in the afternoon, between noon and 4:30 p.m., since that's when the various parking shifts overlap. However, there is a slight dip in ticket-writing between 12 p.m. and 1 p.m., when many parking officers are on their lunch breaks.
Parking Secret No. 6. As long as you're not blocking a rush-hour route, 3 p.m. to 4 p.m. is "Happy Hour" for illegal parkers. Starting at 3:05 p.m. every weekday, parking officers from all over the city converge on routes such as Robson, Davie and Broadway to hand out no-stopping tickets and order vehicles towed away. As a result, enforcement of all other offences — such as expired meters and permit zones — drops off considerably for about an hour.
Parking Secret No. 7. Enjoy your Sunday brunch without fear of a parking ticket. The first shift of parking officers doesn't start on Sundays until 11:30 a.m., much later than on other days. There's a proposal before city council to move the start time to 8:30 a.m. but, for now, your chances of getting a ticket before noon on Sunday are slim.
Parking Secret No. 8. Night owls can rest easy. The first shift of parking officers starts at 6:15 a.m. and the last clocks off at 10:30 p.m. There are some exceptions for special events, but for the most part there is little to no parking enforcement overnight. However, this could change: a report has gone to city council proposing a new shift that would run until 2 a.m.
Parking Secret No. 9. A five-minute grace period exists in most no-parking areas, such as permit zones and commercial loading areas, so you're allowed to stop briefly to pick someone up or drop them off. That also means a parking officer has to observe you sitting in such a spot for at least five minutes before writing you a ticket. Be warned, though: no such grace period exists for areas where you're not allowed to stop at all — like rush-hour routes or bus zones — or for spots with a meter.
Parking Secret No. 10. All parking meters are not created equal. Downtown, where there are dedicated meter-checking foot patrols, the typical meter is usually checked by a parking officer at least once every two hours. In contrast, the meters along Commercial Drive and in Kerrisdale don't have dedicated foot patrols and so may be checked as little as once a day.
Parking Secret No. 11. If you're going to park illegally, don't put on your four-way flashers. It provides no legal protection and just draws attention to your offence. "What it says to me is: I know it's illegal, but I'm only doing it for awhile," said parking officer Sherry Wevill.
Parking Secret No. 12. Just because there's no chalk on your tires doesn't mean you're necessarily safe in a two-hour parking spot. Instead of chalking, some parking officers log the position of each car's tire air valve in their hand-held computers. If the position hasn't changed by the time they come back around, they know your car hasn't moved. Other officers put a small stone on top of each tire or check tailpipes for signs of condensation.
Parking Secret No. 13. When the time runs out on your parking meter, you always get a two-minute "grace period", regardless of whether you paid for four minutes or an hour. During that grace period, the meter will display a solid "000" instead of a flashing "0000" and you will not receive a ticket. However, the grace period also means if you tell an officer the meter just ran out, they know if you're lying.
Parking Secret No. 14. You can get a ticket even if your meter is fully paid. Along several rush-hour routes, such as Robson, a meter will accept your change even though you're not allowed to park there between 3 and 6 p.m. Stickers on each meter warn parkers of this fact, but dozens of paid-up parkers are still ticketed and towed every weekday.
Parking Secret No. 15. There are no parking enforcement officers working on either Christmas or New Year's Day. Vancouver police will respond to complaints about serious safety violations, but your chances of getting a ticket for anything else on those two days are virtually zero.


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Happy Tuesday! I hope you're all doing well after the holiday season. I know that I always feel a bit blue, but Top Ten Tuesday never fails to cheer me up. This week I'll be sharing the Top Ten Books I Meant to Read in 2016 But Didn't Get To. My list of books was so long that it was actually kind of difficult to narrow it down… but I managed!
What are some books that you meant to read in 2016 but never got around to? What do you think of the books I mentioned? Which one of these should I put at the top of my list? Let me know in the comments section below!


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Horizon Bancorp, Inc. is an independent, commercial bank holding company serving Indiana and Michigan through its commercial banking subsidiary, Horizon Bank. Horizon Bancorp, Inc. may be reached online at www.horizonbank.com. Its common stock is traded on the NASDAQ Global Select Market under the symbol HBNC.
Michigan City, Indiana (NASDAQ GM: HBNC) – Horizon Bancorp today announced its unaudited financial results for the three and six-month periods ended June 30, 2013.
Craig M. Dwight, Chairman and CEO, commented: "Horizon Bancorp's commitment to identifying and maximizing key revenue opportunities, combined with operational efficiency and productivity, continue to be evident in our earnings growth. Our strategy of generating a balanced revenue stream in a variety of economic scenarios, and the ability to respond to changing conditions, again proved its value."
"The increase in interest rates impacted residential mortgage refinancings, mortgage warehousing volume and the gains generated from mortgage loan sales. At the same time, we capitalized on the improving housing market and business environment to grow purchase mortgage originations and commercial lending. Fiduciary activity continued to accelerate, as reflected in the 11.8% increase in trust fee income for the first six months of 2013 compared to the same period of 2012, and we believe this resulted from customers discovering the expert guidance we provide will maximize their investment returns in complex and volatile market conditions."
Highlighting the Company's balanced approach to building revenue, Dwight cited examples such as the 16.7% growth in residential mortgage originations to $232.9 million in the first half 2013 compared with $199.6 million in the first half 2012. This volume increase, he noted, was achieved despite less reliance on refinancing activity. Purchase mortgage originations represented 54.6% of total mortgage originations for the first half 2013 compared to 41.8% for the same period of 2012. In the month of June 2013, purchase mortgage originations accounted for 72.9% of all mortgage originations.
"Another highlight is the continued growth and strong revenue contribution from our commercial banking division. Our Kalamazoo and Indianapolis business banking teams, in particular, continue to produce strong results. Their success has not been from loan volume alone but also in developing full-service relationships with checking and deposit accounts, fee-generating merchant services and credit and debit cards. This comprehensive and relationship approach to banking has been a critical aspect of our success in building the commercial banking business."
"We continue to support our commercial, consumer and mortgage lending activities with a solid and growing base of low-cost core deposits," explained Dwight. "Since our acquisition of Heartland Bancshares, Inc. in July of 2012, we have grown the Heartland deposit base by 11.0% to $234.4 million as of June 30, 2013 from $211.2 million in deposits acquired in the acquisition. I believe this growth reflects very positively on the success of the transition and the outstanding job our employees have done to create strong banking relationships with our customers."
Non-interest bearing deposits increased 56.0% to $213.7 million at June 30, 2013 compared to $137.0 million at June 30, 2012, reflecting the growth in the number of small business banking relationships and the acquisition of Heartland, which had a significant number of business relationship customers. Interest bearing transaction accounts rose to $772.8 million at June 30, 2013 compared to $769.8 million at December 31, 2012 and $634.9 million at June 30, 2012.
Income Statement Highlights
Net income for the second quarter of 2013 increased 15.4% to $5.7 million or $.62 diluted earnings per share, compared to $4.9 million or $.62 diluted earnings per share in the second quarter of 2012. This represents the highest quarterly net income in the Company's history. In addition, diluted earnings per share during the second quarter of 2013 equaled the diluted earnings per share for the second quarter of 2012, which was the period prior to the Heartland acquisition in July of 2012.
Net income for the first six months of 2013 increased 15.3% to $11.0 million or $1.20 diluted earnings per share, compared to $9.5 million or $1.21 diluted earnings per share for the first six months of 2012. This is the highest six months of net income in the Company's history.
The Company's net interest margin was 4.21% during the three-month period ended June 30, 2013, up 42 basis points from 3.79% for the three-month period ending June 30, 2012 and up 11 basis points from the three-month period ending March 31, 2013. The increase in the margin during the second quarter of 2013 compared to the same period in 2012 was primarily due to the recognition of approximately $2.4 million of interest income from Heartland loan discounts being accreted and discounts recognized from loans paying off, along with a reduction in the rate paid on interest bearing liabilities. Excluding the interest income recognized from the loan discounts, the margin would have been 3.61% for the three-month period ending June 30, 2013. The net interest margin was 4.17% for the six months ending June 30, 2013, up from 3.84% for the same period in 2012. Excluding the interest income recognized from the loan discounts of $4.3 million for the first six months of 2013, the margin would have been 3.66% for the six-month period ending June 30, 2013.
Residential mortgage lending activity during the second quarter of 2013 generated $2.8 million in income from the gain on sale of mortgage loans, a decrease of $299,000 from the first quarter of 2013. The origination volume in the second quarter of 2013 was similar to the first quarter of 2013, and the reduction in the gain on sale of mortgages was primarily due to the percentage earned on the sale of these loans.
Lending Activity
Total loans decreased by $73.0 million from $1.2 billion at December 31, 2012 to $1.1 billion at June 30, 2013 as mortgage warehouse loans decreased by $96.5 million, residential mortgage loans decreased by $7.1 million and consumer loans decreased by $11.2 million, partially offset by an increase in commercial loans of $41.8 million.
Commercial loans increased from $460.5 million at December 31, 2012 to $502.2 million at June 30, 2013. Dwight noted the continued growth of the commercial loan portfolio, which resulted in the significant achievement of surpassing the $500 million milestone in commercial loan balances for the first time in the Company's history, helped offset the decrease in the other loan portfolios.
The provision for loan losses was $729,000 for the second quarter of 2013, which was $520,000 higher than the provision for the same period of the prior year and $1.4 million less than the previous quarter. The higher provision for loan losses during the second quarter of 2013 compared to the prior year was primarily related to organic loan growth. The lower provision for loan losses during the second quarter of 2013 compared to the previous quarter was primarily due to the $1.4 million of additional loan loss provision expense experienced in the previous quarter relating to credit losses from certain Heartland loans that exceeded the loan discounts recorded at the time of the acquisition. For the first six months of 2013, the provision for loan losses was $2.8 million, which was $2.0 million more than the provision for the same period of the prior year.
The ratio of the allowance for loan losses to total loans increased to 1.67% as of June 30, 2013 from 1.52% as of December 31, 2012. The increase in the ratio was primarily due to the decrease in total loans outstanding of $73.0 million during the first six months of 2013.
Non-performing loans totaled $25.6 million as of June 30, 2013, up from $23.8 million as of December 31, 2012 and $20.8 million as of June 30, 2012. Non-performing consumer loans increased $2.9 million from December 31, 2012, which was partially offset by a decrease of $1.9 million in non-performing commercial loans. The increase in non-performing consumer loans from December 31, 2012 was primarily due to the addition of three large home equity lines of credit totaling $2.0 million, which have specific reserves included in the allowance for loan losses. The increase from June 30, 2012 was due to the Heartland acquisition. Excluding Heartland loans, non-performing loans totaled $19.5 million at June 30, 2013, an increase of $3.0 million from $16.5 million at December 31, 2012 and a decrease of $1.3 million from $20.8 million at June 30, 2012. As a percentage of total loans, non-performing loans were 2.27% at June 30, 2013, up from 1.97% at December 31, 2012 and 2.07% at June 30, 2012.
At June 30, 2013, loans acquired in the Heartland acquisition represented $6.2 million in non-performing, $16.2 million in substandard and $728,000 in delinquent loans, which compares to $7.3 million in non-performing, $18.1 million in substandard and $3.4 million in delinquent loans represented at December 31, 2012.
Expense Management
Total non-interest expense was $5.4 million higher in the first six months of 2013 compared to the first six months of 2012 and $816,000 higher in the three-month period ending June 30, 2013 compared to the previous quarter. Salaries and employee benefits increased $2.7 million in the first six months of 2013 compared to the same period in 2012 and increased $217,000 in the second quarter of 2013 compared to the previous quarter. The increase over the previous year was primarily the result of changes to annual merit pay, employee benefits costs, commissions earned, bonus accruals and Horizon's investment in growth markets. In addition, some of the increase in the first six months of 2013 compared to the first six months of 2012 was also related to the Heartland acquisition.
Dwight concluded: "Our managers and employees continue to do an excellent job of identifying opportunities to win new customers and expand relationships with current Horizon clients. We believe our financial performance reflects the fact that our advisors have been able to meet and exceed customer expectations time and again, even in a far from robust economy. We continue looking for opportunities to build on this momentum and expand our footprint. During the second quarter, we entered into an agreement to purchase land in Carmel, Indiana, a vibrant community and business center north of Indianapolis, with plans to establish a full-service office. We also plan to expand our Indianapolis loan production office into a full-service branch in 2013 and have added new loan officers to serve our Lake County, Indiana market."
"Navigating today's economic and regulatory conditions demands sharp focus and opportunistic action. We are maintaining that focus to achieve our goals for growth, financial performance and generating value for our shareholders."
Horizon Bancorp is a locally owned, independent, commercial bank holding company serving Northern and Central Indiana and Southwest Michigan through its commercial banking subsidiary Horizon Bank, NA. Horizon also offers mortgage-banking services throughout the Midwest. Horizon Bancorp may be reached online at www.accesshorizon.com. Its common stock is traded on the NASDAQ Global Market under the symbol HBNC.
This press release may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of Horizon. For these statements, Horizon claims the protections of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Statements in this press release should be considered in conjunction with the other information available about Horizon, including the information in the filings we make with the Securities and Exchange Commission. Forward-looking statements provide current expectations or forecasts of future events and are not guarantees of future performance. The forward-looking statements are based on management's expectations and are subject to a number of risks and uncertainties. We have tried, wherever possible, to identify such statements by using words such as "anticipate," "estimate," "project," "intend," "plan," "believe," "will" and similar expressions in connection with any discussion of future operating or financial performance. Although management believes that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from those expressed or implied in such statements. Risks and uncertainties that could cause actual results to differ materially include risk factors relating to the banking industry and the other factors detailed from time to time in Horizon's reports filed with the Securities and Exchange Commission, including those described in "Item 1A Risk Factors" of Part I of Horizon's Annual Report on Form 10-K for the fiscal year ended December 31, 2012. Undue reliance should not be placed on the forward-looking statements, which speak only as of the date hereof. Horizon does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions that may be made to update any forward-looking statement to reflect the events or circumstances after the date on which the forward-looking statement is made, or reflect the occurrence of unanticipated events, except to the extent required by law.
Horizon Bancorp
Mark E. Secor
Chief Financial Officer
(219) 873-2611
Fax: (219) 874-9280


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EARLY BIRD TICKET Cost: 4750/- (First 10 tickets)
NOTE: Couple sharing tent: 500/- per tent extra
- Travel by Tempo or Mini-Bus,
- Stay at our campsite: Tents on 2 sharing basis
- 2 Breakfasts (Veg),
- 1 Lunch (Veg),
- 1 Dinner (Veg/Non-veg),
- Life jackets to swim in Penna river,
- Campfire
- Belum caves & entry charges
- New Year in a fantastic setting surrounded by hundreds of backpackers
- Organizer(s) from MT to look after all the activities
- A lot of entertainment ;-)
- Wednesday Lunch
- Any misc. expenses not mentioned in the itinerary.
NORMAL TICKET Cost: 5250/- (After 10 tickets)
By buying the ticket on Events High platform, I am giving unconditional acceptance of the below
Terms & Conditions of Muddie Trails:
- No Luxury. We assure awesome memories every trip, but not awesome facilities! We provide basic facilities in terms of food, travel & accommodation.
- The itinerary is fixed. No special requests to change itinerary/schedule are permitted
- Absolutely No littering during our travels. We swear to protect our environment.
- Co-operate with the organizer(s) in following the schedule set for the day (especially getting up and getting ready in the morning). This will ensure travelers won't miss out on the real fun part - that is traveling.
- No alcohol & smoking during Treks & adventure activities. There would be separate window and space (usually at night) to have these at campsite/homestay for interested people
- Every traveler is responsible for his/her for your own safety while traveling with Muddie Trails. Don't indulge in any illegal or silly activity that causes harm to you or fellow travelers.
- Every traveler is expected to sign a liability/waiver form given by the organizer(s) after boarding the vehicle that discharges Muddie Trails of any unexpected incident like injury/death/theft etc.
- Unexpected situations: It may happen we do not cover all the places mentioned in the itinerary because of unpredictable reasons like bad weather, wild animal presence, abrupt blocking of sites by the police/forest department, delay in travel because of an issue with our group itself, traffic conditions etc. In most cases, if the time permits, organizer(s) will take travelers to an alternative place. But in some cases, we may have to skip a place altogether.
- The event will stand cancelled if less than 8 travelers signed up for the trip/trek
- Travelers are expected to respect each other and help each other.
- Avoid discussing sensitive matters like sex, politics and religion/caste/race.
- Using foul or abusive language, eve teasing, arguing with fellow travelers/organizer(s) and/or involving in physical assault will not be accepted and will stand a chance of being deserted by Muddie Trails.
Refund policy:
- 80% refund if the request is made before 48 hours of event start time
- No refund within 48 hours of event start time
- No refund during/after the event
- No postponing your ticket to future events
- No refund applicable on partial payments made to reserve your slots()


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Many events have been cancelled or altered due to COVID-19. Ministries leaders and staff are doing their best to keep this calendar updated with changes. It is highly recommended that you check with the event organizer before making plans to attend future events.
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"Vessel" will be out Jan. 8 on Fueled By Ramen.
Columbus musical duo Twenty One Pilots, whose self-made rise we chronicled extensively last spring, has announced plans for their first hometown show since announcing their major-label record deal. The band will play LC Pavilion on Oct. 19; tickets go on sale Sept. 8. Openers will be announced soon.
Meanwhile, their Fueled By Ramen debut album, "Vessel," is coming out Jan. 8. The album was recorded in Los Angeles with producer Greg Wells (Adele, Katy Perry, Weezer, Kid Cudi, Pharrell, Deftones). The lead single, "Holding On To You," will be released Sept. 11.
Read the full announcement here. Below, find the video they made about their big break. It's pretty inspiring.


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Mejores Universidades, Escuelas y Colegios universitarios en Estados Texas, Estados Unidos de América 2021
Las universidades y escuelas de negocio para los programas de licenciatura en Texas. Encuentre toda la información sobre las universidades mejor posicionadas en Texas aquí, y contactar con ellos directamente!...
Las universidades y escuelas de negocio para los programas de licenciatura en Texas. Encuentre toda la información sobre las universidades mejor posicionadas en Texas aquí, y contactar con ellos directamente!
Centros educativos
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Friday, July 30, 2010
Meet The Newest Members of My Family!
Most of you know that my husband and I are in the process of adopting two children from Ethiopia. Today we passed court in Ethiopia, which means the children we're adopting are now legally part of our family (according to Ethiopia). We are thrilled!! We've been dealing with court postponements for the past two months, so it feels great to finally be approved!
Visit here to read more about our children, and about our adoption journey.
Now that our children are legally part of our family, we can share photos of them!! I put together a little slide show. Enjoy!
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17.0303 Establishment of the public library board.
(a) The public library board is established. The board shall consist of eight members. The director of education or his designee, one additional member from the Department of Education, two members from the staff of the American Samoa Community College and at least two members from the private business sector. Seven members are to be appointed by the Governor with the advise and consent of the Legislature. The board members shall serve without compensation or other emoluments. Travel expenses for off island directors or for travel to board approved off island meetings will be reimbursed.
(b) In order to provide continuity in the work of the board, the term of office of six of the board members shall be for 4 years and shall be so arranged as not to expire at the same time. Members shall serve until their successor has been qualified. Vacancies shall be filled in the same manner as original appointments.History: 1999, PL 26-3


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- The Absurdity of It All - September 16, 2017
- Bill Nye: The Real Message We Should Pay Attention To - August 6, 2017
- Defund Climate Change Research to Pay for Pre-Existing Conditions - May 8, 2017
My mission is to supply value added forecasts to anyone who wants them. As such, when it comes to energy, I could care less where the energy comes from. I need to make an accurate forecast that benefits the client, else the client has no need for me and I get fired. So whether energy comes from wind, solar, natural gas, nuclear reactors, fossil fuels, eating cheetos, snapping your fingers – it does not matter to me. You still have to know if it's two degrees warmer or two degrees colder than normal. If you worked for an energy company, hedge fund, retail company, city, or almost any thing you can imagine, and you hedged your planning toward our very cold and snowywinter forecast put out before the fact, then you had an advantage over the competition. That is what I do.
On a more selfish note, one way to earn the most money in this industry is to have energy companies that not only need you for a long range outlook, but in day to day operations. Solar, wind and natural gas companies are the number one client an energy forecaster would love to have. Why? Because not only do they need what fossil fuel companies need – longer term forecasts – but they need to know on a daily basis. A wind or solar company whose products are based on the daily weather conditions would need to know what the weather is doing every day. The natural gas industry, because of hydraulic fracturing, needs to know what its water supply is going to do both short and long term since it costs a lot of money to have a crew on site (and a week of crews sitting around because streams are low could cost millions!). The cold also affects production. So this idea that guys like me are in the pocket of the oil companies is pure hogwash, and people asserting that are lying. My company, WeatherBell Analytics, is aggressively developing products to help lower the costs to greener initiative companies. What's not to love about energy that, when developed to its fullest extent, will basically have the weather as the determinant to the production cost, not having to drill thousands of feet into the earth and risk a dry well? That would make a meteorologist the most important person in a solar, wind or natural gas operations staff. I cannot believe the people driving the AGW train are getting away with their straw man arguments. It defies logic, and I wonder if they know how ignorant they sound, because renewables are great for what I do!
On a personal level, I want cheap, efficient energy to fuel an economy that is booming so much, it gives everyone hope for a better job, or enough money to live the life they desire. Keeping someone down is not going to keep you up. One of my favorite stories:
"A crab fisherman was once asked why he didn't put a lid on the bucket that held his day's catch. He replied, 'The moment one of them climbs out, the others reach up and pull it back down again.'"
We do the same thing, don't we? You come back down here with the rest of us! How dare you succeed? How dare you do well? The apostle Paul warned, "But if you bite and devour one another, beware lest you be consumed by one another!" (Galatians 5:15)
It is to no one's benefit to keep another man down.
So my mission is to nail the forecast, and I use climate as a foundation to do so. I am simply seeking the correct answer. Who are you going to go to when you need to make a decision that involves your company – the guy that truly knows what happened and is trying to give you the edge, or someone using weather and climate for another reason?
I say judge the tree by the fruit on it. It is better for me and what I do that alternative energy is developed. It's a no lose situation because if we have the best products for any energy company, they will come to us. As I said, the alternative energy industry is a meteorologist's dream come true!
Now compare that with the following. This quote from President Obama's chief science advisor,John Holdren, written in 1975, displays without a doubt the driving motive in him.
"The United States is threatened far more by the hazards of too much energy, too soon, than by the hazards of too little energy, too late."
Even then he was banging an anti-development drum!
Then there's the president, in his own words, promising skyrocketing energy prices.
And finally, there's this bizarre statement from the EPA, claiming they are concerned about centuries from now!
"Moreover, due to the time-lags inherent in the Earth's climate, the Climate Stabilization Targets assessment notes that the full warming from any given concentration of CO2 reached will not be realized for several centuries.
Why is this bizarre? Look at the actual CO2 vs. temperature chart. Cooling periods followed major CO2 increases and warming periods followed decreases. We know CO2 is a GHG (greenhouse gas) and has to have some role in the 33 degrees Celsius added to the air from the greenhouse blanket. But who is to say exactly what it is, or what role man has in it? These statements make no sense given the established record and the fact we are well below what the average CO2 has been on this planet naturally!
A great classic example of ignorance about the past leading to arrogance about the future, and leading to misery to many today.
I am not a politician; I am a meteorologist who uses climate to get the right answer – the same way an athlete will use training methods over many years to achieve success. But you be the judge. My motives are driven by the search for right answers; policymakers are driven by agendas. They could care less about the truth.
When it comes to the reasons for where I stand, I am an innocent man.
Joe Bastardi is chief forecaster at WeatherBELL Analytics, a meteorological consulting firm.
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