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Earlier this summer, we took just such a trip to Cologne, Germany. It's a bit off the radar when one thinks of Berlin, Munich, or Frankfurt, but well worth the trip.
Cologne is a charming place. The riverfront location, the big town squares, the old-fashioned housing mixed with modern architecture, the striking Dom cathedral - it all made for a very welcoming stay, just 2+ hours by train from Amsterdam.
Like Kindergarten, but better
And then the beer. Kölsch actually, is the local type of brew. To me it tasted like a standard and perfectly fine beer, but others with more dignified beer tastebuds would do a better job explaining it. Beer aficianados, click here for the full Wikipedia explanation.
Bottle openers hang from the overhead awning outside most convenient stores - a sure sign of a beer-friendly culture.
They all drink it with any type of food, though I opted for pairing with some schnitzel and fries at one occasion, and this item below on another:
Some kind of unholy potato concotion - the name escapes me; the heartburn does not.
Day 2 we moved down to Konigswinter, a Rhine-front hamlet/town (I'll never know the difference, but hamlet sounds somehow more majestic. More on that on the next post...for now, some images from Cologne itself.
The bathroom wall at the excellent art 'otel
The view from the hotel room - in the foreground is a replica of Noah's Ark, to the right is the Chocolate Museum. Very difficult to combine these into one joke. Still working on it.
Dom Cathedral
In Cologne's souvenir shops, memories of the previous wars are ubiquitous. These are placemats, sure to cheer up any meal.


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"A tax break that has long been untouchable could soon be in for some serious scrutiny.
Many home buyers deduct their mortgage interest when assessing their tax bill, a perk that has helped bolster the income of millions of families – and the broader housing market.
But as President Obama and Congress try to hash out a deal to reduce the budget deficit, the mortgage interest deduction will likely be part of the discussion.
Limits on a broad array of deductions could emerge in any budget deal. It is likely that any caps would be structured to aim at high-income households, and would diminish or end the mortgage tax break for many of those taxpayers.
"This is definitely a chance worth jumping for," said Amir Sufi, a professor at the Booth School of Business at the University of Chicago. "For a fixed amount of revenue, it's better to remove deductions than increase marginal tax rates."
Such a move would be fiercely opposed by the real estate industry. The industry has played a crucial role in defending the tax break, even as other countries with high homeownership have phased it out."Twitter

subset: commoncrawl


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NASHVILLE (AP) - Two General Motors plants 90 miles apart will be utilized to build the newest incarnation of the Chevrolet Corvette sports car.
The vehicle is assembled at the GM plant in Bowling Green, Ky.
The Tennessean (http://tnne.ws/U3xH1H) reported that, for the first time, some body components will be manufactured at the carmaker's plant in Spring Hill, Tenn.
"We will be making the front and rear fascias and sending them up to Bowling Green," said Spring Hill plant spokeswoman Lee Ann Williams-Maley.
The facias are essentially the front and rear bumper assemblies, which will be manufactured of a plastic composite material in special injection molds.
More workers will be needed in Spring Hill to make the components, but Michael Herron, chairman of United Auto Workers Local 1853 said it isn't yet clear how many more.
"Our team members are very excited about being a part of t his exciting new vehicle for Chevrolet," Herron said. "To me, getting this work for Spring Hill speaks volumes about the quality we've achieved in our injection-molding operation here."
The plant currently makes similar parts of the Chevrolet Traverse crossover vehicle.
The Spring Hill plant was built to make the Saturn auto brand, which has been discontinued.
In Bowling Green, GM is spending $131 million to retool the assembly plant where Corvettes have been produced since mid-1991.
The company intends to begin selling the redesigned Corvette in the third quarter of 2013.
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hmm. assuming a 5% increase per year on your property is very very optimistic in normal non-bubbly years. Your property depreciates as time goes on. I know the depreciation can be written off on the taxes, but I don't think I would ever buy a rental property if there isn't positive cash flow. Most landlords I know say the same thing. They make sure they have positive cashflow at an 80% to 90% occupancy rate.
So You Want to be a Landlord? Part II: How Do You Actually Make Money?
I know we're not completely done talking about risk in this series (see the first post here ), but Paid Twice, from I've Paid Twice For This Already asks an excellent question with regard to the rent vs. buy debate. Namely, if you can save more money by renting a house than buying, then what is your landlord doing?
So I ask my readers - how does this work? Anyone know how renting can be so much less expensive than buying, yet the home's actual owners don't lose piles of money?
You can read the whole post over at Someone Had to Buy the House You Rent.
The truth is that rents sometimes do not cover the monthly costs of owning the rental home, so how is it that these real estate gurus make their money? A lot of people think that it must involve unfair tactics, such as buying investment property at below-market rates from gullible elderly people, but there can't possibly be enough gullible elderly people to keep the whole industry going. Others think it must be because all of the property is fully paid for, or that it was financed for better terms than today's rates. However, economically speaking, rental rates in today's dollars have to somehow make sense with today's property values and interest rates. And remember that not all rental property is residential. There are a lot of investors out there buying office and industrial space to rent out. How does it all work?
What we need here is a calculator and the back of an envelope. The first thing we need to do is identify the two different sources of income from investment property. The first is equity appreciation. This is a primary strategy for some real estate investors, who target undervalued real estate, or real estate in areas likely to increase in value, and then buy and hold until they decide to sell. There are many types of rental property, and even in a down market like today's (or especially in a down market) you can make money this way.
The second income stream is rents. A lot of landlords buy up properties and hold onto them indefinitely, living off the rents, which will increase proportionate to the finance expenses of the property the longer you hold it. Although some landlords may focus on one strategy or the other, the truth is that both are in play for any given property.
Getting out the envelope, let's make some assumptions (and remember the back of our envelope is small, so we are not going to to be excessively detailed about this).
We are buying an investment property today for $200,000, with a $60,000 down payment (30%) and financing it for 6.75% for thirty years. The going rate for a mortgage on your primary residence today is 6.13%, so 6.75% should be about right for an investment property.
First, the monthly expenses.
- Monthly mortgage payment (principle and interest): $908.04
- Taxes and insurance (50 mills): $483.33
- Water utilities (typically renters don't pay for this themselves): $50
- Maintenance (sinking fund*): $166
- Total: $1607.37
The rent you can charge is determined both by market demand and costs. This particular house is a two bedroom, one bathroom starter home, and $1100/month is all you can get for it.
Your monthly cash flow for the house is -$507.37. Ouch!
Why would anyone do this? Well, let's look at things a different way, by checking out your profits.
First, there's your equity appreciation. Let's go with the doomsayers for now and assume you can barely keep up with inflation on your investment, so it's going to appreciate at a modest 5% per year. (Feel free to play around with different numbers on your own time.)
- Market value up 5%: $10,000
- Rent collected: $13,200
- Interest Payments: -$9450
- Property taxes and insurance: -$5800
- Maintenance: -$2000
- Net profit: $5950
That's a 9.9% annual return on your investment of a $60,000 down payment. Not bad!
Now, this doesn't "feel" like a profit to the landlord because much of it is tied up in unrealized capital gain, and the monthly payment includes principle, so some of the monthly "cost" is money he's paying toward his debt liability. In other words, the small principle payment ($1492.05 the first year) is not really "cost." That is money paid back to himself.
There are also income taxes on the $13,200 in rents to be considered. However, the IRS gives you a lot of deductions for owning rental property, including the ability to depreciate the entire property (the structure of the building, that is, not the land) and appliances or equipment you use for your rental business. For that reason, the effect on your bottom line at tax time could actually be to reduce your tax liability. (I am deliberately avoiding a full discussion of taxes here. That's another post.)
Although we could decrease that 9.9% annual return further by taking into account income tax, when looking at comparable investments, such as the stock market, it is customary not to deduct what you expect to pay in income or capital gains tax and so we won't do that here, but simply note that a 9.9% annual return compares quite nicely to what you can expect from stock market investments and mutual funds. Most people should be glad to get around 10% per year on any investment, before taxes, brokerage fees, and inflation.
And this is why landlords lord lands. It doesn't require dishonesty, just a healthy tolerance for risk (which we'll talk about next time) and occasional conflict. Oh, and about $60,000 cash.
*This assumes you are replacing your roof, furnace, and exterior paint or siding and windows every thirty years, and you are doing some miscellaneous repairs each year.
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I know you're "deliberately avoiding a full discussion of taxes", but the tax effect is actually one of the things that make renting so attractive.
If you manage your own property, you can take a loss of up to $25,000/year against your taxable income. If you're in a 25% tax bracket, that could be a savings of $6,250! And the golden part about that is that you don't have to spend the additional $25,000 to create the loss.
In your example, say your monthly net cash outflow is $507.37 (or $6,088 for the year). Now, assume your original basis in the property is $513,000. This means you would qualify for depreciation of about $19,000/yr (based on the basis of 513K divided by the depreciable life of the property, 27.5 yrs.)
So your total annual outlay is $6,088, but you actually reduce your taxes by $6,250 based on the $25,000 tax loss ($19,000 + $6,088). So the net effect is that you're paying $170 a year for your property. Sounds good to me!
Hi Guest, you said: "In your example, say your monthly net cash outflow is $507.37 (or $6,088 for the year). Now, assume your original basis in the property is $513,000. This means you would qualify for depreciation of about $19,000/yr (based on the basis of 513K divided by the depreciable life of the property, 27.5 yrs.) "
erm.. in the original example the cost of the property is only 200,000. if your cost of the property is suddenly 513k you'd lose a lot more cash per month if you are still renting at the rate Catherine quoted.
I still think it is only worth it when the rent you can collect is more than what you pay out.
You're right about the taxes, Guest. I am not meaning to discount the significance of the depreciation effect. It just needs a post all of its own. I think I need 1000 words just to explain what the cost basis is.
Xin: I happen to disagree with you about home prices, and believe that in many parts of the country, those who buy real estate in the near future will enjoy even better appreciation than five percent. Of course these are just my and your opinions, which is why I invited readers to plug in their own figures. Even if you have negative appreciation, you can still make money on rent if you buy and hold for the long term. I think it's important to keep an open mind about what various markets will do in the future. The only thing we really know is that we don't have a crystal ball. History has seen some spectacular increases in real estate value. Even with the extraordinarily bad economic conditions in my home state of Michigan (which I believe is leading the nation in foreclosures) and the loss of 3000 jobs from my home city of Ann Arbor due to the closure of a major employer, my home value (via recent comparables) is holding strong and nearly $50,000 more than what we paid for it seven years ago. I think that's amazing given all that has happened, and had fully expected to be upside down by now.
As to the question of positive cash flow, it really depends on what your business strategy is. If you are a part-time landlord with some other source of income, and you have one or two properties with negative monthly cash flow, you can still come out ahead at the end of the day, by, as Guest mentions, taking tax deductions from real estate "losses" against your regular income. If real estate investment is all you do, then of course you're going to have to find something with positive cash flow, or you won't have any income to take tax deductions *from*. LOL. Your friends are probably professional landlords and truly do need that cash flow. Even so, I wonder if they would benefit from adding some "losing" properties to their portfolio to mitigate their tax liability. (As we've seen, losers can be winners in the long run.)
Catherine Shaffer
Wise Bread Contributor
Now, I did not mean to say at Paid Twice that ALL landlords are sleazes. Some are honest people who treat their tenants and their neighbors fairly. In my experience, however, the ones near me would find that description an uncomfortable fit.
The gentleman whom I described as cheating an elderly widow purchased the house two lots west of mine. It was immaculately and lovingly kept by its original owner and was in excellent condition. She apparently did not know a thing about finance -- he told her he would pay for the house "in cash," as though she would not be paid in full if she sold the house to someone else -- and she bought this idea with delight. He told her he would put one of his daughters in the house -- she was pleased to think a young person who would value the home as much as she had would be living there. He got the house for tens of thousands of dollars below its market value, pre-bubble but at a time when houses were selling at a healthy, normal pace.
The instant the papers were signed, the For Rent sign went up.
Around the corner from me, the same gentleman purchased another house, this one somewhat run-down. He signed his name to a document that is registered with the County Recorder's office in which he told the mortgager that he was purchasing the house so that he could move himself, his wife, and his elderly mother out of the house he actually occupied, because the house they were living in had a step in it (true--many of these houses have sunken living rooms), and they were afraid his mother would trip on it and fall.
Again, the instant the papers were signed, the For Rent sign went up.
All of the houses he purchased in this neighborhood were represented to lenders as residences that he or his immediate family members would occupy. These claims are available for anyone to see at the County Recorder's office.
At the old lady's house, he let the lawn die and cut down most of the trees. The house around the corner was allowed to devolve into a slum property. Typically, the first thing he'd do when he got his hands on a rental was to cut down all the trees, because he did not want to have to pay to water them and have them groomed. This is an older neighborhood whose established, mature landscaping is its main appeal. When you hack out the trees around one of these properties, you destroy much of its value.
He rented another house on a lease-to-own basis to a youngish woman who had never owned property. To one of the neighbors, he remarked that he was glad to have the opportunity to unload it on her because the pool was decrepit and likely would require some very expensive repairs. At this house, he cut two spectacular Aleppo pines out of the front yard. Not wanting to pay someone to remove the stumps, he killed the lawn and covered the front yard with gravel, mounding it over the three-foot-high stumps. Neighbors soon dubbed the place "the boob house," for reasons you can picture.
The selling price he worked into the lease-to-own contract was way, way above the house's market value. The woman's option to purchase came due at the height of the bubble -- just as the landlord was unloading his other properties at huge profits. Had the bubble not occurred, the amount the woman would have had to pay would still have been well above market value, but with the wildly inflated prices, she now was in a position to buy it for less than he could sell it for in the overheated market. He tried to negate the deal. She took him to court and won.
So here was a guy who indeed had no qualms about taking advantage of elderly women and naive young buyers. I'm sure he doesn't represent the entire "industry," if that's what it can be called. Neither, presumably, does the owner of the house across the street from me, who persists in bringing Hell's Angels and other unusual folks -- with all their noisy and sometimes threatening accouterments and pals -- into our middle-class neighborhood. But there they are.
Certainly, if you can buy a house cheaply, rent it for something close to the mortgage payments, KEEP the rent coming in (good luck!), and hang onto it without serious incident for a number of years, rental real estate can be a good investment. But the fact remains: a lot of rentals in a neighborhood do not help the area's property values. And since you can get 8 or 10 percent in a good mutual fund, unless you really enjoy hard work, guff from renters and neighbors, and visits from the police and the City's neighborhood improvement office, you might be better off to put your money in a low-expense mutual fund.
"As to the question of positive cash flow, it really depends on what your business strategy is. If you are a part-time landlord with some other source of income, and you have one or two properties with negative monthly cash flow, you can still come out ahead at the end of the day, by, as Guest mentions, taking tax deductions from real estate "losses" against your regular income. If real estate investment is all you do, then of course you're going to have to find something with positive cash flow, or you won't have any income to take tax deductions *from*."
Well, this is certainly true. My parents rent a couple rooms out of their house and they don't really seem to be incurring any loss because they live there anyway. Yes, I do know professional landlords. My aunt is one of them, and taking negative cashflow is just not good business.
Funny about Money is also correct about mutual funds producing good returns without the hassle of dealing with renters and maintenance. I am more inclined to be lazy and buy mutual funds to make money.
In most areas of the country owning ISN'T more expensive than renting, or not much more. For instance I live in Dallas where rents for a 1 bedroom Uptown are $900-$1500. I bought a 1 bedroom condo similar to one I would otherwise rent for $150,000. All costs - mortgage, tax, ins, and HOA total $1300. Right now I could probably only rent my unit for $1100, but my mortgage payment will stay fixed and rents will only go up, so eventually I plan to rent this place and at LEAST break even.
Better example - I just bought a duplex for $130,000. Mortgage (incl tax and ins) is $947/mo. One side pays rent of $700 and the other pays $750, so my total monthly income (assuming it's occupied) is $1450. Sure I have to pay for the lawn to be mowed and for the plumber to come by when there are clogs, et al, but a $500/mo cash flow cushion is a great thing to work with! In ADDITION I benefit from the market appreciation - which averages and is expected to be 4-5% in TX. Tax benefits like interest, depreciation, and maintenance deductions, etc. are a very important bonus. In fact my annual tax burden goes DOWN this year even though my income will increase from $55,000 (salary) to around $72000 (salary + rent income).
I didn't mean to single you out, Funny. That guy sounds like a real first class sleazeball. I have heard the "gullible old lady" theory in multiple places and no doubt it's a common scam, but I wanted to highlight how you can make money renting, honestly, in today's dollars with today's property values and mortgage rates.
There are certainly different investment options out there. The stock market, even mutual funds, can be risky. A lot of people find real estate investment more suitable, and remember I used as a case study an example of a house that rents for less than its monthly costs, and appreciates only modestly. We personally did much better on our rental.
Catherine Shaffer
Wise Bread Contributor
My father has done very well in rental property investments. Most of his strategy wasn't about cash flow but instead looking at the properties as a long term investement. Originally at least he never had a large cash flow on his properties. But after a few years go by the rents gradually increase and the mortgage stays the same. Because of this the cash flow situation gets better every year. Using the example in the post above if the rent is $1100 / mo the first year and rents go up just 4% annually then in 5 years the rent will be $1338 and in 10 years it will be $1628. All the while your morgtage payment is fixed. Then after 20-30 years his mortgages were paid off and he owned the properties outright. Now he has a good retirement income from them.
Jim R
One of the most hated money saving strategies is to buy a property you can actually afford, even if that means moving somewhere where the living is cheaper.
The same is true for renting. We moved to a very inexpensive part of the country where houses are easily only a tenth of city house prices. That means that we've had no problem buying several of them, no mortgages, and renting them out for enough cash flow to sustain us in a low cost of living town.
People often say, "I can't move there. What jobs would there be?" If you find the right place, with the right strategy, and the right attitude which embraces the concept of "enough" for your daily living, this *is* all the job you need.
On my blog I wrote a post called 'how much to spend on a house' ... suprisingly still one of the most popular pages on my site.
The issue is this ... for MOST people, owning their own home (despite the immediate buy/rent financial analysis) is the ONLY WAY THEY WILL GET RICH. But here's what they must do:
1. Buy their own home using as much deposit as they can muster, and only at mortgage payments that they can afford (while STILL saving at least 10% of their gross salary in 401k or elsewhere).
2. Every 3 - 5 years revaluing their house to check how much equity they have ... if their equity is > 20% of their Net Worth, they should refinance and use that equity to ...
3. Buy a rental property
4. Repeat until Rich (10 - 30 years)!
But, it ALL STARTS by owning your first home ...
I was in a seminar with a high net worth counselor who said that the best thing you can do is pay off your principal residence as soon as possible. Any thoughts on that? I currently do not have a mortgage on my principal residence with an appraised value of $400k.
Does anyone know a good book that I can find that can provide easy to understand literature about purchasing rental property. My wife and I are interested in buying a rental home this year but really don't even know where to start. The property that we are interested in buying is a new condo with a price of 160,000-200,000. Any guidance from anyone. Thanks so much.
When considering investing in residential rental property please do not ignore the state's legal environment. Some states are very pro-tenant in their regulations and this can affect the profitability of owning properties. By contrast, in almost all states, commercial rental is relatively free of interference and courts will enforce the deal the parties make.
This is a great post. One thing most people do not take in to account when buying a rental property is property management fees. If you plan on hiring a property management company, say goodbye to any cash flow potential. I fully recommend being a do it yourself landlord. There are so many useful tools on the internet that help you to do this nowadays, that you really don't need a property management company. I highly recommend a site called www.rentalspacenetwork.com to advertise your properties and to take care of all of your applications, tenant screening and leasing. This is a fantastic site that eliminates paperwork hassles. I also recommend angieslist.com when you need a handyman. By using these two sites being a landlord has become much easier for me and I save 10% a month in property management fees allowing me to cash flow my rental properties.
I agree with what Xin Lu says. When real real estate investors see a negative $500 per month cash flow on a $60K investment they do the logical thing: sit and and wait. I made an investment of $25K in March 2011 into a 3BR Townhome. When rented, I net $280 positive cash flow per month. That is more than 1% ROI monthly on what I invested. I manage my properties myself, but out of that $280 still comes repairs and vacancies. So, I hope to clear about $100/month in the first year or two.
5% assumption for appreciation is really optimistic and not just "barely keeping up with inflation." If you look over time, housing goes up at the same rate of inflation. Because it is still a little overvalued, even in 2011, I assume that over the next 10 years we will maybe have an average of 2% appreciation per year, and I don't assume I will be able to sell(or 1031 exchange) at a reasonable profit for 10 years. This forces me to find deals that pay me now. And the truth is, we can demand this in today's market. If San Diego today, I can find many properties that cash flow with only 10% down. There are certainly areas that still don't cash flow with 30% down. I avoid these areas, they haven't finished normalizing to the trend line yet.
There are FOUR pilars to making money in real estate. Know them well: Cash Flow, Appreciation, Depreciation/Tax Advantages, and Equity Build. Know them well! Good luck everyone!
A comparison of the 9.9% property return to stock mutual fund returns is apples to oranges for the following important reasons that are often overlooked.
First, the property is a levered investment. Stock mutual funds are not. The leverage is 200/60, or 3.3x. The same leverage applied to a stock mutual fund investment would yield returns far superior to 9.9%. Something closer to 25% based on historic norms for the S&P 500 Index after borrowing costs.
Another way of looking at the effect of leverage is that it would only take a 15% decline in the property value to lose half of the investment ($30,000). It would take a 50% decline in the stock market to lose the same amount. Which has a higher probability?
Liquidity is also not addressed. An investment in a stock index mutual fund is very liquid; your dollars are available in one business day at negligible transaction costs. The property is highly illiquid. Selling the property may take months or longer, and the transaction costs (3%) would represent a 10% loss on your original $60,000. Ouch.
In summary, the 9.9% return does not compare "quite nicely" to stocks on a level playing field. In fact, the return on the property is woefully inadequate for a levered, illiquid investment. Higher returns are available elsewhere for significantly less overall risk, even ignoring deadbeat tenants, liability, etc. Apples to apples.


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Phils pounce with seven-run third in rout of Mets
Every starting position player records at least a hit and a run scored
NEW YORK -- Is it All-Star break alchemy or just a coincidence? The Phillies have posted the best second-half record in the Major Leagues over the last seven years, and they came back from this year's intermission with an outsized performance in a 13-8 win over the Mets on Friday night at Citi Field.
The Phillies (49-48) used expansive rallies in the first and third innings to take control, racking up 11 runs before the Mets had their first hit. The Phils had scored 10 runs just once before the All-Star break, and Friday's win pushed them over .500 for just the second time all season.
The Phillies were five games under .500 as recently as July 3 and hadn't had a winning record since pushing to 31-30 after a 5-1 win over Milwaukee on June 6. They hadn't scored 10 runs since a 16-1 rout over the Dodgers on June 28, and now, they're hoping to carry their momentum forward.
"Keep going. Keep going," said manager Charlie Manuel. "We've got to have a better record. We want to win. We want to get in the postseason and we want to win the World Series. We've got to keep going. We don't look back. That's behind us. Tonight's win is behind us."
And if that game is already behind Philadelphia, you can imagine how the Mets might feel. All eight of the road team's starting position players had a hit and scored at least one run in the one-sided victory, and two players -- veterans Chase Utley and Michael Young -- had three RBIs apiece.
The top five hitters in the lineup all scored two runs, and several Phillies had big nights. All-Star Domonic Brown homered and singled twice for the Phillies, and Utley homered and tripled in the rout. Pitcher Kyle Kendrick was the only Philadelphia starter not to get a hit or score a run.
"Top to bottom, we played pretty well tonight," said Brown. "We'll just try to continue that. That was definitely big, after four days off, to see the bats come alive like that. That was good to see."
Philadelphia batted through the order in the first inning, and it later came back to set a season best with seven runs in the third inning. That outburst helped the Phillies improve to seven straight wins at Citi Field dating back to 2011, and it gave them a 270-168 record after the All-Star break since 2007.
Philadelphia led after just three batters, thanks to a triple by Utley off the wall in center field. The Phillies went on to notch four consecutive singles against opposing starter Jeremy Hefner, and they took a 4-0 lead in the first inning before stranding two runners on base.
Things got even more out of control in the third. Brown, one of Philadelphia's two All-Stars, homered to lead off the inning, and the Phillies went on to get five more hits in the rally. Third baseman Michael Young capped the frame by blasting a three-run homer to make it an 11-0 game.
"We got a win tonight. We're looking for a win tomorrow now," said Manuel. "We swung the bats good. Last time out, Hefner pitched a good game against us. He's been throwing good. Tonight, I think we were patient enough to make him throw the ball in a good part of the plate."
Hefner was charged with eight runs, lifting his career ERA to 13.75 against the Phillies. That's the fifth-highest ERA that any pitcher has posted against any big league team since 1921, with a minimum of 18 innings. Hefner has a career 3.54 ERA against the rest of the league, putting his numbers against the Phillies in stark contrast.
"I don't know what it is about those guys," said Hefner of the Phillies, who had also reached him for seven earned runs in the first inning of a game last season. "They're a good team, obviously. They're a veteran team. I know how to get them out. I just didn't execute."
The Mets (41-51) stirred a little later in the game. Marlon Byrd broke Kendrick's shutout with a three-run homer in the fourth inning, and the Phillies escaped that rally with a double play. New York pushed closer with small rallies in the fifth and sixth, but Kendrick left with a seven-run lead.
"I felt good early, but later in the game I was missing over the plate," he said. "I was up and I just couldn't really make a pitch. Those last three innings, I was struggling. It was a grind."
The Phillies are now 270-168 in the second half since the start of the 2007 season, but more importantly, they're rounding back into shape as the year winds closer to completion.
Philadelphia pulled into second place in the National League East on Friday, and if you ask around the clubhouse, you'll find that nobody is surprised by the team's late-season resurgence.
"Even though we weren't getting the success that we needed, we always looked good on paper," said Brown. "I thought it was just a matter of time before things started coming together. But you never know in this game. It keeps you humble. It keeps you fighting every day."
"We try to play as good as we possibly can," said Manuel of his team's momentum. "At the same time, we have a lot of energy and we put everything we've got into it. ... I think we're definitely coming to the ballpark with the mindset that we're going to win every day. That's our number one priority."


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The variety in the places you selected was outstanding as each drive/walk produced something entirely different with entirely different terrain, wildlife, etc. The mix of accommodations was just perfect with the higher end lodges thrown in at just the right times. You are simply the best and we would heartily recommend you to anyone!
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Walking in South Luangwa National Park


text: Universal H4 halogen sealed beam headlights by Anzo can give you increased driving utility, and their sealed beam construction makes them ultra durable and corrosion-resistant. A great way to upgrade your vehicle without the cost of more expensive lighting technologies. Based in Southern California, AnzoUSA is a progressive leader in LED and performance lighting technology and manufactures aftermarket products that are not only affordable but held to the highest of international quality standards.


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Paul Joseph Watson, Propaganda Matrix |
A survey commissioned by Infowars and conducted by Harris Interactive has found that 35% of American adults would be willing to wear an electric shock bracelet in order to fly, another startling example of how many Americans are willing to give up their rights in the name of safety.
The idea of mandating travelers wear an electric shock bracelet sounds like something out of a dystopian sci-fi movie, but the proposal was seriously considered and very nearly implemented by the Department of Homeland Security back in 2008.
As the video above highlights, not only would the bracelets have been used to deliver incapacitating electric shocks to suspected terrorists, they would also have contained tracking technology to spy on the wearer.
American adults participating in the Harris Interactive survey were asked the following question;
In 2008, the Department of Homeland Security expressed an interest in having travelers wear electric shock bracelets that would both track travelers through the airport as well as allow airport officials and flight crews to incapacitate potential terrorists. How willing, if at all, would you be to wear such a bracelet in order to fly?
An astounding 35% of American adults responded that they would be "completely" or "somewhat willing" to wear the shock bracelet. Republicans were more likely to be willing than Democrats, 41% to 34%.
Only a slim majority (52%) said they would be "completely" unwilling or "somewhat unwilling" to wear the shock bracelet. The rest (13%) responded "don't know".
The fact that a sizable portion of American adults are willing to wear a device that would allow a TSA agent or other airline official to arbitrarily deliver a paralyzing electric shock similar to a taser gun is a shocking indication of how much freedom and dignity Americans are happy to give up in the name of security.
Given how close the DHS came to actually implementing the plan, one wonders if it is likely to rear its head once more.
In 2008, the Washington Times reported on how DHS official Paul S. Ruwaldt of the Science and Technology Directorate, office of Research and Development, wrote to Lamperd Less Lethal, Inc. indicating that the Department of Homeland Security was ready to purchase devices from the company that would be used to deliver incapacitating shocks to airline passengers, all of whom would be mandated to wear the shock bracelet once they checked in for their flight.
In his letter, Ruwaldt also noted how the bracelet could be used as a "method of interrogation," in other words a torture device. He also raised the prospect of using the device against protesters to allow the temporary "restraint of large numbers of individuals in open area environments by a small number of agents or Law Enforcement Officers."
The letter stated that the DHS was "interested in…. the immobilizing security bracelet" and that it was "conceivable to envision a use to improve air security, on passenger planes." Other letters made it clear that the DOD, the CDC, Department of Interior, Department of Agriculture Forestry service, as well as unnamed law enforcement agencies were also keen on acquiring the device.
Following a wave of negative publicity, the DHS pulled the plug on its interest in the electric shock bracelet, and Lamperd Less Lethal, Inc. set about removing the letters from Ruwaldt it had previously proudly displayed on its website.
As we reported yesterday, the Harris survey produced several other jaw-dropping results, the most notable being that almost a third of American adults would be willing to submit to a "TSA body cavity search" in order to fly.
Abbreviated Methodology
This survey was conducted online within the United States by Harris Interactive on behalf of Free Speech Systems from November 5-7 among 2,059 adults ages 18 and older. This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated. For complete survey methodology, including weighting variables, please contact email@example.com.


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British food waste activist Tristram Stuart took his "Feeding the 5,000" across the channel to Paris, Saturday 13 October. The event, aimed at raising public awareness of food waste was renamed "Gobal gachis" in the French capital. In spite of the pouring rain, thousands of Parisiens, some hungry, some not, gathered in front of Hotel de Ville, Paris city hall.
6,000 "plats du jour" were prepared, made entirely out of fresh ingredients that would otherwise go to waste: wonky carrots, misshapen potatoes and other fresh surplus produce.
"We want to start a French revolution against food waste", Mr. Stuart told the 12,000 Parisians who showed up for the event.
The event organized by Canal + television and the Hotel de Ville was intended to promote the documentary "The Global Food Waste Scandal" written by Tristram Stuart, which will be broadcast on 17 October.
"I have always thought that a gigantic feast made from food that would go to waste, is a clear and funny way to address the problem of the scandalous waste of food," said Tristram Stuart who has organized similar events, for instance at Trafalgar Square in London in November 2011.
Not only was a free "curry" provided where people got generous servings of a vegetable curry with pickles served on recyclable plates, but the guests were encouraged to participate.
Under the guidance of celebrity chefs, volunteers from the audience took part in a competition where they were encouraged to make good food from products that typically go bad. Volunteers prepared a "disco soup" cutting vegetables to the sound of music blaring from speakers. Party guides set the mood, encouraging the audience to dance while cutting.
Smoothies were prepared from pineapples and apples and volunteers were trained in making good food from products that are not usually use – like banana peel.
To add to the festive atmosphere "demonstrators" walked around carrying posters and petitions. A TV crew moved around among the audience with a huge, crooked cardboard carrot and a megaphone shouting "Je ne suis pas bel, mais je suis bon". ("I may not be pretty, but I am good.")
"A bent carrot tastes exactly the same as others, and no one cares what the skin of the potato looks like once it has been peeled," Mr. Stuart told the audience.
The 12,000 participants and thousands more, when the film is broadcast on Canal +, were also given a lot of food for thought:
• For every Frenchman and woman 137 kilos of food are wasted every year
• 2,4 million tons of food are wasted in distribution per year
• 1,5 million tons are wasted in restaurants per year
• 197 tons are wasted per establishment in supermarkets per year
Written, Arni Snaevarr, UNRIC Nordic Desk
The Brussels based United Nations Regional Information Centre for Western Europe - UNRIC provides information on UN activities to the countries of the region. It also provides liaison with institutions of the European Union in the field of information. Its outreach activities extend to all segments of society and joint campaigns, projects and events are organized with partners including the EU, governments, the media, NGOs, schools and local authorities.
United Nations Regional Information Centre for Western Europe (UNRIC Brussels)
Residence Palace, Rue de la Loi/Wetstraat 155, Block C2,7th and 8th floor, Brussels 1040, Belgium
Tel.: +32 2 788 8484 / Fax: 32 2 788 8485


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Thank you April Yvonne Abrams for sending in your authentic Desert inspired Passover seder pics from 2012!!!
"Hi Marlene,
I had lots of fun designing this tent area as part of our seder this year. It was like leaving Egypt all over again!
I just finished making these stunning Huevos Haminados! Mine look just like the ones in your photos. I can't wait to present them tomorrow night! Thank you for all of your excellent inspirations!
April Yvonne Adams"
April Yvonne Adams"


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Job TG856: Category Manager Oilfield Tools
Highlights of the Category Manager Oilfield Tools Position
Our Oil & Gas client is seeking a candidate with a strong technical aptitude in Oil Field Tool related commodities, as well Procurement & Supply Chain background to assume the Category Manager for Oil Field Tools position available at their Corporate HQ. The right candidate will have the required market insight into the cost drivers of the Oil & Gas industry, a technical background and ability to develop a strategy for the Oil Field Tool Category, relevant commodity experience, and the intangibles to grow into a leadership role within the group or elsewhere within the organization.
Company Information
Our client is a global manufacturing leader and Fortune 200 company in the Oil & Gas services industry. The company is one of the world's largest providers of products and services to the energy industry. With more than 60,000 employees in approximately 80 countries, the company serves the upstream oil and gas industry throughout the lifecycle of the deposit.
Job Location
Southwest US
Key Responsibilities of Category Manager Oilfield Tools Position
- Provide direction to accomplish strategic sourcing alternatives, vendor selection, price negotiation and supplier performance measurements to meet the needs of the organization.
- Responsible for the development and implementation of category global strategies and managing the supply base with a spend in excess of $1 billion. Tasked with managing the supplier relationship, supplier performance assessments and reviews, contract negotiations and drafting, stakeholder management, and operational coordination for areas identified within the category.
- Develop effective sourcing alternatives for new products including development of low-cost country suppliers when possible. Assess current market conditions and identify and implement strategies to maximize opportunities.
- Lead continuous improvement efforts for material cost and sourcing activities.
- Implement effective systems and processes to provide value throughout the supply chain and support lean manufacturing initiatives.
- Build and develop category strategies and processes to manage suppliers globally and support manufacturing and distribution activities in all regions.
- Identify and develop a robust supply base to provide materials with competitive cost and quality for all locations and support for geographic expansions.
- Work closely with manufacturing and technical management to provide best-value solutions for oil field tool and outsourced products.
Essential Qualifications and/or Requirements
- Outstanding negotiation, leadership skills and technical aptitude that would include previous experience with Oil Field Tools.
- Bring focus, purpose and agility to motivate others to adapt quickly to changing business needs. Proven ability to raise the performance bar – create, promote and sustain a high performance culture that reinforces accountability.
- Takes the initiative to look for and take advantage of opportunities and willing to take independent actions and calculated risks.
- International sourcing experience is preferred.
- Strong team player; proactively able to step in to support other team members as needed and share knowledge to allow cross training of all functions, builds collaborative relationships.
- Works well under pressure, effectively handles conflict and demonstrates flexibility in work style to accommodate changing priorities and fixed deadlines.
- Track record of sourcing success for new products and development of new suppliers.
- Demonstrates an understanding of the broader organization, and how their role and/or function fit into the strategic plan and overall direction of the company.
- Creates alignment so everyone within organization understands the strategy and how their contribution furthers organizational success.
- Decisions reinforce the business plan and strategy by building a disciplined, consistent approach with measurements of success.
- Demonstrated ability to pull together management reporting, interpret data and provide meaningful information to both a financial and non-financial audience.
- Self-motivated, capable of seeking quality solutions and continuously focusing on process improvements, while keeping the needs of the business in the forefront.
Desired Qualifications
- BS/BA Degree in Engineering or other technical degree is highly preferred, with a graduate degree in Business Administration and/or Certification as a Supply Chain Professional preferred. Supply Chain Management, Finance and Business degrees will also be considered with at least 10+ years of experience in roles with progressive growth in a multinational organization.
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Personal Trainer Certifications, Business Coaching and Marketing Programs
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This is the ultimate online resource for your fitness career!
Personal Trainer Certification: You can become a personal trainer with NESTA. If you are seeking a quality certification, start with the NCCA accredited NESTA course. NESTA is the gold standard in fitness instructor education.
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Choosing the right fitness centre is always an important personal decision. It could improve or ruin the quality of your life. At NESTA, we strive and work hard to deliver outstanding service, cater to the needs of each individual and help them attain primary, advanced and specialized educational courses and certification programs with best possible guidance and help.
The history of NESTA dates back to 1992, when it was established in Southern California. NESTA today is a fitness association with an international acclaim with over 55,000 members from around the globe, with 10% of their members being from outside the U.S. NESTA proudly proclaims that most of its members and graduates have had thriving, flourishing careers in over 50 countries including Singapore, Australia, Singapore, the UK and China.
Why choose NESTA?
NESTA holds the National Commission for Certifying Agencies (NCCA) accreditation being a member of ICE – the governing body of NCCA and provides affordable personal trainer certification program that saves a great deal of money for you over time. The certified fitness trainer program provides training over business, marketing strategies and top scientific information. Everything comes at an affordable price.
Here are some reasons for you to choose NESTA
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text: 'Getting a grip' through fleet-centric leasing with Saint Gobain Industry: Industrial Customer story Saint-Gobain is one of the world's largest building materials companies. Global building materials company Saint-Gobain has experienced impressive growth in North America in recent years, partly through strategic acquisitions. To create more transparency, control costs and make smarter decisions, Saint-Gobain turned to its financial solutions partner DLL to support a comprehensive fleet management program for its materials handling equipment. Thousands of units over hundreds of locations Back in 2011, Saint-Gobain had equipment spread over North America, but there was no central oversight of the entire fleet. "We had thousands of units spread over hundreds of locations"; says Mary Chantry, Strategic Sourcing Manager at Saint-Gobain North America. "Some were documented and some not. Everything was locally managed, and there was no visibility across the organization." Getting a grip To introduce greater control over their equipment expenses and simplify their financing, Saint-Gobain concentrated all its forklift equipment financing under a single fleet-centric leasing provider: DLL. We had thousands of units spread over hundreds of locations. Some were documented and some not. Everything was locally managed, and there was no visibility across the organization. " Customer story Financing the equipment is just one aspect. "There are countless other costs to consider when calculating the Total Cost of Operation (TCO) of equipment," says Dave Bugas, DLL Account Manager. "Maintenance, downtime, fuel, labor, etc. To manage this, we encouraged Saint-Gobain to work with a brand-independent third party fleet management provider to create a framework that could support a variety of equipment types and brands." Fleet-centric leasing Saint-Gobain partnered with BEB Industrial Asset Management, Inc., an independent fleet management service specialized in forklifts and other materials handling equipment. BEB introduced extensive technology tools and a central database tracking system, giving Saint-Gobain an overview of their entire fleet and helping them centrally track equipment usage and costs. The results were surprising. Whereas Saint-Gobain estimated their asset base at roughly $6 million (€ 5.38 million) in the U.S. and Canada, the fleet management tools indicated they were closer to $30 million (€ 26.9 million). Similarly, their annual spend was double what they had thought. Another eye-opener was that they owned over half their equipment. Bugas says this is precisely why professional fleet management tools are so important to global organizations like Saint-Gobain. "The system allows companies to make smarter decisions about if and when to replace old equipment and how to structure new leases to avoid over- or under-utilization." We now know the real value of our leases, in-house labor and utilization, as well as how efficient and safe our equipment is, resulting in significant cost savings and operational improvements for our businesses. " Customer story Hard data "We now know the real value of our leases, in-house labor and utilization, aswell as how efficient and safe our equipment is, resulting in significant cost savings and operational improvements for our businesses," says Chantry. "Since the fleet management program began, we have saved millions of dollars and cut 450 units of redundant equipment," says Don Bratton, Senior Consultant for BEB Industrial Asset Management. "Having a strong leasing partner like DLL has made this a much easier and more efficient process for Saint-Gobain. Since the fleet management program began, we have saved millions of dollars and cut 450 units of redundant equipment. " Customer story Building value Our organization, management and stakeholders are convinced of the value of the fleet management program, and we see it expanding to other assets," says Chantry. "The key is to challenge each other to remain competitive and innovative as our relationship moves forward."


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The Lunch Bunch
Twenty Five Years after "The Breakfast Club," five people find themselves together again. Did that morning in detention really change their lives?
The Lunch Brunch
As fans of classic 80's films, we here at Found Item Clothing were excited to find out about a new play written for the Minnesota Fringe Festival called The Lunch Bunch, an imagining of what happens when the kids from The Breakfast Club meet up again twenty-five years later.
The Lunch Brunch - Playing August 1st through 11th at Theater in the Round, Minneapolis, Minnesota
The Lunch Brunch is an original play created by Tim Wick and Jami Newstrom, featuring the talents of Matt Allex, Angela Fox, Marissa Alexa Lennex-McCool, Dawn Krosnowski, and Samuel Poppen.
I contacted Tim Wick, playwright and Artistic Director of Fearless Comedy, to ask him about the play. He said: "It's been twenty five years since five people spent a Saturday in detention. They all believed it would change their lives. But did it?
"The question I asked myself was 'Where do the characters go from that one day? Do the relationships stay the same? If they end, why do they end? Which characters actually learned something and which continue to go in the same direction?'
"Claire and Bender are dating. How does that work out? I think the key is in how the relationship began.
"Alison and Andrew are dating. But their relationship is based on lies they are each telling themselves. When those lies are revealed, can their relationship survive?
"And Brian isn't anywhere different. He's still focused on success. Maybe he's more capable of handling failure but that doesn't mean he's not going to fail and the question is, can he learn from that?"
If you're in the Minneapolis area you might want to consider going to the show--and if you do, tell us all about it!
The Minnesota Fringe Festival is a performing arts festival held every summer in Minneapolis, Minnesota, United States, usually during the first two weeks in August. The eleven-day event, which features performing artists of many genres and disciplines, is one of many Fringe Festivals in North America.
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- Tags: 80's Movies, Breakfast Club, classic 80s


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|Winnebago County Sheriff's PoliceNews Media Release
|News Release Number2008-07
|Information: Heroin Organization Arrests
|Date: January 31,2008
|Time: 0800
|Page 1 of 2
During the past several months Winnebago County Sheriff's Detectives have conducted an undercover investigation into a heroin distribution organization operating in the city of Rockford. During the course of this investigation several arrests of street level dealers were made and multiple packets of heroin recovered. The heroin was packaged in aluminum foil and sold as "dimes" ($10.00 packets). Users would contact cell phone numbers and runners would deliver the heroin within a matter of minutes to locations through-out Rockford. It is estimated that this organization was selling between 500/1000 "dimes" ($10.00 packets) per day. As a result of the investigation the following arrests were made this week: -1 Steve M. Harris (male Dob 2-24-75/Machesney Park,Illinois) -Calculated Criminal Drug Conspiracy -Criminal Drug Conspiracy -Traffic ChargesBond $250,000.00 -2 Jermaine Harris (male DOB 02-03-79/Rockford,Illinois/brother of Steve Harris) -Violation of the Ill. Controlled Substance Act (possession of heroin with intent to deliver) -Calculated Criminal Drug Conspiracy -Criminal Drug ConspiracyBond $250.000.00 -3 Latonia S. Partee (female Dob 05-07-71/Machesney Park Illinois / wife of SteveHarris - Unlawful Use of Weapon by FelonBond $50,000.00 The charges against the above listed individuals are merely accusations. They are presumed innocent unless proven guilty in court. Photos will be E-Mailed to the media.


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Communications Software's OASES (Open Aviation Strategic Engineering System) is amongst the most successful aviation engineering and maintenance systems in the world.
With over 130 aviation customers supported in over 55 countries on 6 continents, including national carriers, 3rd party maintainers, regional carriers, leasing companies, cargo specialists, charter operators and specialist rotable stockists, based in the USA, Europe, The Middle East, Asia, Africa and Australasia, we have a very broad experience of all areas of aviation maintenance support.
OASES has been designed by and for engineers, so it is easy to use, but is functionally very sophisticated. A great deal of thought has gone into the design, so as to ease implementation into live engineering operations.
We have extensive capabilities in the key areas of data migration, training and interfacing to external systems, which helps us implement the system quickly and cost effectively, so that OASES adds value to the business from 'day one'.
We are a customer-led company and OASES is continually developed with the active participation of our users, so as to ensure it keeps up-to-date with the latest industry demands, and technological progress. The OASES software solution is available either to be installed on-site on a local hardware server, or it can be accessed via the internet through our 'private cloud' hosting service, which avoids the need to install any additional hardware.
We support our customers with a comprehensive maintenance and support package, which includes a dedicated help-desk at local hours, online support, user-groups, product update and software revision services. Additionally, we offer initial requirements studies, implementation support, user training, system tailoring and forward planning for a complete service.
'OASES cloud' provides a hosting service for those clients who wish to benefit from the world leading functionality of OASES without the need to have their own computer hardware on-site. Find out more here


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Ramon Bunag's Profile
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@ramonbunagmail tweeted link to Activism. 2019-04-07 23:19:12 -0500I signed up to volunteer for Proclaiming Justice To the Nations. Join me! https://www.pjtn.org/activism?recruiter_id=144262
ActivismBecome a volunteer
In your community and in your state—we work with people who are concerned, frustrated, and ready to engage with likeminded friends and neighbors who come together to protect their communities.
Instead of blaming PC, appeasers, and overwhelmed "leaders" we understand the power we possess to make the changes so critical to our communities and lives. We channel our energy into training and equipping decision-makers and lawmakers to prioritize our issues, protect the good among us, and delegitimize the anti-Semitic.
PJTN's movement of concerned citizens recognize that today, there is a renewed crisis of anti-Semitism in our nation and in our world. Our response has been to take the most meaningful step we could: from the grassroots level to the top decision-makers, people have come together, across party lines and as brave citizens to introduce and help PJTN pass legislation to protect our Jewish neighbors. Already introduced and passed in 10 states and 3 countries, our goal is to pass anti-BDS Resolutions at the UN, across the United States and in 25 more countries by 2025.
BDS – are code-letters – 'dog whistles' calling the anti-Semitic (or the uninformed and ignorant) to Boycott, Divest and Sanction God's land of Israel. BDS, anti-Israel and anti-Zionism is anti-Semitism. Help us rid the worldview of anti-Semites from all our communal spaces, from our churches to our schools and all the way to the UN.
@ramonbunagmail tweeted link to Demand The Immediate Resignation of Minnesota Congresswoman Ilhan Omar. 2019-04-07 23:17:18 -0500Sign the petition: Demand The Immediate Resignation of Minnesota Congresswoman Ilhan Omar https://www.pjtn.org/demandomarresign?recruiter_id=144262
Demand The Immediate Resignations of Congresswomen Ilhan Omar, Rashida Tlaib and Alexandria Ocasio-Cortez
I demand the immediate resignations of Congresswomen Ilhan Omar, Rashida Tlaib and Alexandria Ocasio-Cortez.
Click here to share this important message on Facebook.
View this urgent message from PJTN Founder Laurie Cardoza-Moore:
Today I am emphatically calling on all PJTN "Watchmen" and all concerned Americans to join "The Million Signature March," a national petition to demand the immediate resignation of Minnesota Congresswoman Ilhan Omar.
UPDATE: In the cases of Ilhan Omar, Alexandria Ocasio-Cortez, and Rashida Tlaib, these three uneducated Congresswomen who arose from the anti-Semitic, un-American, Women's March are waging an unholy war in Congress to belittle the Holocaust, normalize anti-Semitism, mainstream anti-Americanism and whitewash Islamism. We the people, will not idly stand by as subversive forces openly work to destroy our country from within.
Time is urgent! When news broke last week of her shameful anti-Semitic messaging, President Trump called for her to resign from her Congressional seat. Even her own Democrat colleagues echoed Speaker Nancy Pelosi's tepid call for Omar to apologize.
Fast forward to today:
Where is the follow-up outrage to demand her resignation?
Where is the investigative reporting to demand answers to why an unrepentant anti-Semite and supporter of America's enemies has been given a seat on the House Foreign Affairs Committee?
AND Where is Omar today… Laughing in the face of her detractors—including President Trump—and still privy to the classified information in the House Foreign Affairs Committee.
The media has buried the story and moved on, hoping we will follow their lead! We cannot be silent in the face of an elected official who poses a threat to our very national security!
Ilhan Omar must learn that concerned Americans such as you and me stand firmly with our Jewish brethren. We must stand in solidarity to affirm that she will not be allowed to use the heart of American democracy and freedom to defame God's chosen people and God's chosen land.
Do we have valid reasons to know that she is a threat to our national security?
YES—and let me outline why:
- Omar has ties to the Council on American Islamic Relations (CAIR). CAIR was listed as an unindicted co-conspirator in the largest terrorist fundraising operation in the history of the U.S.
- Omar is due to speak this month at a fundraising event for Islamic Relief USA (IRUSA), an affiliate of Islamic Relief Worldwide (IRW), the largest international Islamic charity in the world. The connections between the IRUSA, the IRW and terrorism should raise a red flag. In 1999, the IRW accepted a $50,000 check from Osama Bin Laden. In 2006, Israel arrested its project coordinator in Gaza office for funneling money to Hamas. In June 2014, Israel officially declared the organization to be illegal and banned it from operating in Israel and the Palestinian territories. In November 2014, the United Arab Emirates declared the IRW to be a terrorist group.
- To add more fuel to the fire of her IRUSA speaking engagement, she will be speaking alongside senior IRUSA official Yousef Abdallah, who was widely criticized in 2017 after the Middle East Forum found he had expressed violently anti-Semitic ideas on his social media accounts.
The indication of her true politics came when she lashed out against Israel by tweeting in 2012:
"Israel has hypnotized the world. May Allah awaken the people and help them see the evil doings of Israel."
Rep. Ilhan Omar's anti-Semitic messaging has also brought to light her ties to several Muslim Brotherhood front groups. We are now calling on the Justice Department to launch a full and thorough investigation into this matter of national security.
WE must take action today!
Sign the petition and share the petition link and my video message within your family, friends, and social media contacts.
Our goal of one million signatures is within our reach.
Let your voice be heard and sign the petition today!


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I believe that what Edward has done later in his life atoned for his earlier "sins". I don't even want to call it sins. Because it was in his nature. Edward is a predator by nature. He can't help that. He didn't choose this life, it was chosen for him by Carlisle. And the fact that he gave in to those natural desires, does not make it a sin for me. But let's just for arguements sake say that they are sins, because it makes it easier to answer this.
Even when he rebelled against Carlisle he only killed the bad guys. And in doing that he was actually saving lives at the same as he was taking them. This in my opinion, makes what he did better. He could save the lives of young women because of his talent for reading minds, and he would never kill an innocent person. Does this make it right? No, not if you're talking about a normal person. But if you are a predator by nature, it makes it more right and more understandable.
After a while he started to loathe himself for what he did. Like ringswraith said, he didn't want to be a monster. And I believe that towards the end of his rebellious period, he saw a true monster with red eyes when he looked in the mirror. And he didn't want to be that kind of a person. And he asked for forgiveness from Carlisle, who happily welcomed him back. And the fact that Edward showed regret and the will to change is atonement enough for me. It would not be enough if it had been some human serial killer. But with taking Edward's nature into account, it's enough. Ever since he has done all he could to be a good person. And he has never gone back to who he was. And he had not tasted human blood for decades (except Bella's but that was to save her life - twice). He saves Bella's life on several occasions. He's a good son and brother to his family. He's a devoted father to Renesmee. All this is atonement for me.
I do not blame the individual soldiers for what are committed during a war. It is the responsibility of their leaders (presidents etc), who send them there in the first place. They are out there risking their lives for their country, and to call them sinners I find to be disrespectful. Of course there are at times horrible actions committed in the name of war. Actions made by individual soldiers on a power trip. And those actions are sins, without a doubt and should be punished as such. But the soldiers who are out fighting against other soldiers in a war for their country, is not sinners in my opinion. They are following orders, and someone else is responsible for them being there in the first place. So if someone is to be called a sinner it is the persons who initiated the war.The Dark Knight wrote: To me Edward is a bad guy. To those that give him the pass because he's a vampire or he was dispensing justice I say this.The soldiers that fight our wars have to kill. They are called to duty to do things that are against our normal society standards. Are they to be excused too? You might say yes to this out of hand or respect for them and what they are called to do. But here's the rub, each sin committed whether justified or not, whether ordered to do so or it just happens leaves a scare on your soul. Yes they are fighting the enemy and death happens, but does that mean it's OK?
So to conclude my statement: Edward should not still be held accountable for what he did by someone else than himself. You can never run from what you did in life. And the memories of the people he killed will always haunt him in a way. And that has been punishment enough. And in my opinion, Edward should be forgiven for what he did, simply because it is a natural desire for him to drink blood, and because he was able to stop when he saw the monster in himself. To me that proves great strength.


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Story highlights
- An American who Colombia rebels say they're holding is a former soldier
- The rebels claim to have captured Kevin Scott Sutay last month
- They say they will free him as a gesture of good will
- Sutay is an Afghanistan War veteran, the Defense Department says
New details emerged Monday about a former American soldier that Colombian rebels have said they are holding hostage and plan to release.
Kevin Scott Sutay served in the U.S. Army from November 2009 to March 2013 and deployed to Afghanistan from November 2010 to November 2011, according to the U.S. Defense Department.
He is from Willow Spring, North Carolina, and won a number of awards, including an Army Commendation Medal and a National Defense Service Medal. The Pentagon lists his rank as private.
The Revolutionary Armed Forces of Colombia said in a statement on Friday that it had been holding Sutay for about a month and would free him as a gesture of good will.
The rebels described him as an American soldier, saying they would release him as a "gesture" to advance peace talks. They pointed to his capture to back up accusations that the U.S. military is operating in their country.
A State Department official said over the weekend the United States was aware of reports that an American citizen had been kidnapped and was working with Colombian authorities to get more information.
Colombian Defense Minister Juan Carlos Pinzon criticized the apparent kidnapping and called for his immediate release. But he also noted that the American had been warned to be cautious and avoid certain areas.
"The information that we have collected indicates that this American citizen came to this area of the country and even at the time the police warned him not to enter certain areas," Pinzon said.
The rebels, who have been at war with the Colombian government for decades, said they captured Sutay on June 20 after he entered Colombia after going through Mexico, Honduras, Costa Rica and Nicaragua. They did not provide specifics on the circumstances of his capture.
FARC said it hopes his release will boost peace talks between the government and rebels, and is asking for Colombian and Red Cross delegates to pick him up.
The government initiated preliminary peace talks last year.
Pinzon said the apparent kidnapping showed the rebel group's promises have been disingenuous in the past.
"This organization had promised not to kidnap and they kidnapped an ordinary citizen," he said. "It is absurd that they continue abusing with promises that, it seems, continue to be false."


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Logan Hollowell Online Exclusive
Please allow 15-20 business days before shipping. Please contact us at email@example.com for rush orders, or to add a custom loop for pendant option. Please note that selecting expedited shipping doesn't guarantee expedited production. If you select overnight shipping, your piece will ship after the 15-20 business day timeframe.
Solid 14K yellow gold, rose gold, white gold with a pavé diamond crescent and four initials separated by a star set diamond on the front side. The backside has the script "Love you to the moon and back." Total weight is .35ct. As a reminder this piece is solid 14k gold, so it will never tarnish, can be worn in any weather/water, and will last forever as a personal investment and heirloom. Please note that due to the high polish finish of this piece, it can appear to be darker or reflect surrounding colors.
*Please provide engraving instructions for the front of the necklace in the order notes below. Options include 4 custom initials, or there is a version available including up to 2 custom initials (X+X, XxX, XXX, X, XX) without the star set diamond center. Every necklace has "I love you to the moon and back" engraved on the back. If you have any specific engraving requests, please email firstname.lastname@example.com and we will get back to you promptly regarding your request.
The timeless phrase "I love you to the moon and back" is a universal sign of infinite love. Share this piece with someone you adore, or even yourself!
The moon is a feminine symbol, universally representing the rhythm of time as it embodies the cycle. The phases of the moon symbolize immortality and eternity. Controlling the tides, the rains, the waters, and the seasons, it is the middle ground between the light of the sun and the darkness of night, and thus often represents the realm between the conscious and the unconscious. In astrology, the moon is a symbol of the soul, and in the horoscope it determines the subject's capacity for reflection and adaptation.
$ 1,600.00
Logan Hollowell designs collections that encompass ancient wisdom, magic and inspiration from the universe, always visualizing the spiritual impact and healing effect that a piece will have on its wearer. Her creations are much more than meets the eye, dusted with magic before they become cherished instant heirlooms.
Solid 14k and 18k Gold
Our solid gold jewelry only requires periodic cleaning and will not tarnish or corrode. Avoid exposing gold jewelry to bleach, which will quickly cause gold to discolor and possibly damage.
Plated 14k Gold
Our 14k plated gold jewelry requires periodic cleaning and gentle care. Avoid exposing plated gold jewelry to bleach or other chemicals including chlorine, which will quickly cause gold to discolor and possibly damage. Store in a cool, dry place and polish as needed.
Our silver jewelry only requires periodic cleaning and will not tarnish or corrode. Store in a cool, dry place and polish as needed.
All 14k and 18k gold Logan Hollowell Jewelry is made to order by artisan goldsmiths with handpicked gemstones in Los Angeles, California. Due to the handmade nature of our products, your order may take up to 2-3 weeks to be prepared for shipment. In most cases, pieces are shipped within 10-15 business days. Please email email@example.com if you have an urgent shipping request and be sure to choose the appropriate delivery option at checkout.


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- CA BWGPL WEG-Sch-OS10297-2016-11-18-04
- Partiellement
- 1908-12-17
"Yesterday afternoon Mr. Geo. Stoddart met with a serious accident. He was working on the new school building at Middleton, and the scaffold on which he was standing at the time gave way precipitating him, and Mr. Fred McKay, to the ground a dista...
Bradford Witness


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The information contained in these pages must not be used or relied upon by private investors. We recommend that you read our 'Terms & Conditions' before browsing the site.
Please click submit to confirm that you are a consultant, institutional investor or trustee and wish to continue.
Our investment approach seeks to identify 'episodes', or periods of time during which, in the opinion of the fund managers, assets become under- or over-priced as a result of investors reacting emotionally to events rather than considering normal fundamental investment principles such as inflation or interest rates. These episodes could be short-lived or last several years.
We employ a robust valuation framework in conjunction with this behavioural approach, in order to assess the long-term value present in a range of asset classes before we invest. This helps the fund managers decide which assets to buy or sell at any particular time.
Our approach is truly global: we assess the value present in major asset classes around the world, including equities, bonds, credit, property and cash, across all major investable markets.
However, the investment team does not try to provide better macroeconomic forecasts than the rest of the marketplace; rather, the fund managers' edge lies in investigating the reasons for market movements and investing where markets are displaying signs of an episode.
We believe that this investment philosophy is unique. Our edge lies in combining macroeconomic research with a behavioural finance overlay in a proven, repeatable process that can turn investment opportunities into portfolio returns.
The value of investments will fluctuate, which will cause prices to fall as well as rise and investors may not get back the original amount they invested.
Institutional enquiries
Welcome to the M&G website


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Abbot's Salford Caravan Park
Address: Evesham, Worcestershire, WR11 8UN
Telephone: 01386 870244
Season: March to January
Pitches: 389
Welcome to the Caravan Owners Club, the definitive online resource for the caravan community.
This website is currently undergoing maintenance. During this period, we may take a little longer to respond to your comments and queries.
Want to promote a caravan site?
Sign up and take bookings now!
An area designed to help you find your ideal caravan holiday in the UK. Here you will find a comprehensive database with all you need to know when deciding where to go on your caravan holiday. Select your search options or simply have a browse through, become a member and contact caravan site owners and leave reviews. Even shortlist your favourite caravan sitesand add personal walks and cycle rides, sharing your experiences with other club members.
Address: Evesham, Worcestershire, WR11 8UN
Telephone: 01386 870244
Season: March to January
Pitches: 389
Address: Pwllheli, Gwynedd, LL53 6PJ
Telephone: 01758 612327
Season: March to October
Pitches: 120
Address: Aberlady, Lothian, EH32 0PZ
Telephone: 01875 870666
Address: Ellesmere, Shropshire, SY12 0JX
Telephone: 07815 072481
Season: Open All Year
Pitches: 5
Address: Claddaghduff, Clifden, Connemara, County Galway, S Ireland,
Telephone: 00353 95 44036
Season: Open All Year
Pitches: 10
Address: Faversham Road, Whitstable, Kent, CT5 4BJ
Telephone: 01227 207105
Season: March to October
Pitches: 332
Address: Alfriston, East Sussex, BN26 5TN
Telephone: 01323 734265
Season: Open All Year
Pitches: 60
Address: Consett, Co Durham, DH8 9BA
Telephone: 01207 505572
Pitches: 35
Address: Rochester, Kent, ME3 9QD
Telephone: 08714 680496
Season: March to October
Pitches: 1112
Address: Chard, Somerset, TA20 4HD
Telephone: 01460 65079
Season: April to October
Pitches: 40


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New Threshold Urged on Drunken Driving
Federal transportation-safety officials Tuesday proposed nearly halving drivers' legal blood-alcohol limit to reduce alcohol-related traffic accidents, a move that would mean more drivers could be cited for drinking as little as one beer or glass of wine.
The National Transportation Safety Board recommended states lower the legal alcohol concentration to 0.05% of a person's blood from 0.08%, saying that drinking-related traffic fatalities have remained at about 10,000 annually despite stepped-up enforcement efforts.
"Buzzed or blitzed, it doesn't matter what you call it, if you're drinking, don't drive," NTSB Chairwoman Deborah Hersman told reporters Tuesday. Agency officials say their research shows people start being impaired when their blood-alcohol concentration reaches 0.05%.
Blood-alcohol levels can be influenced by several factors, including a person's size and time since the latest drink or meal. A woman weighing 120 pounds or less could generally reach 0.05% after as little as one drink. A man weighing 160 pounds or less could reach the limit after two or three drinks.
The recommendation faced immediate resistance from the alcoholic-beverage and restaurant industries, which argue that states should focus driving-under-the-influence enforcement efforts on repeat offenders and drivers whose blood-alcohol level is far above the legal limit.
"This is a terrible recommendation," said Sarah Longwell, managing director of the American Beverage Institute, a restaurant trade group. "If we're going to solve the drunk-driving problem, we aren't going to do it by targeting moderate social drinkers."
States began lowering their blood-alcohol limits to 0.08% from 0.1% in the 1980s. The last state to do so was Minnesota, in 2005. A move to 0.05% would bring the U.S. in line with 25 of the 27 nations of the European Union, the NTSB said. While the NTSB doesn't have authority to impose its recommendations, they are closely watched by states and are often adopted.
The federal agency with some authority to impose safety measures—the National Highway Traffic Safety Administration—didn't immediately endorse the standards, though a spokesman said NHTSA is interested in ways to reduce the number of drunken drivers. NHTSA can help funnel federal money to states that adopt its safety proposals.
The NTSB made several other proposals Tuesday, including increased use of technology that locks ignitions when a would-be driver is intoxicated. It also has backed technology that would automatically check a driver's blood-alcohol concentration.
Write to Amy Schatz at firstname.lastname@example.com
Copyright ©2020 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8


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Dear drugs and alcohol,
You make the most successful men your slave. You control millions of minds around the world. When their not on you they dream of you, and when they don't have you they think of ways to steal you. You're the reason why so many have lost loved ones. You're a cause of cancer and major disorders. You've taken away peoples voices and their lungs. You've deteriorated people's skin, glazed over their eyes, and robbed them of their youth. Pretended to help people through their problems, and gave false hope. You've foiled education and job opportunities, ruined marriages and left children to fend for themselves. You've caused violence, helped people fall through the cracks and lead and helped toward depression. You've built and helped economies, and gave people jobs. You've healed some but killed so many more and made billions of dollars. The world hates you but they can't live without you.
Someone who doesn't love you


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Posted by Editor on 12/13/06
Burnaby Velodrome Welcomes First Coach & Program Coordinator
Courtesy Burnaby Velodrome
The Burnaby Velodrome is pleased to welcome NCCP Level 3 coach Jeremy Storie as the official Coach and Program Coordinator of the Burnaby Velodrome.
Jeremy comes to the track with a long list of experiences: Director of 800.com Pro Women's Cycling Team, Director of Symmetrics Pro Cycling Team, and creator of the dEVo Youth Development program. He has coached many junior and senior National Team Athletes to National Championship titles, World Cup medals, Commonwealth Games teams, and Pan Am Games teams. Through the dEVo youth program, Jeremy has helped develop some of Canada's next top cyclists, including: Marsh and Naomi Cooper, Cam Evans, Will Routley, and Cybil Diguistini.
With the recent acquisition of a high-speed electric pace bike and a start gate on loan from the CCA, the Burnaby Velodrome now offers a year round world class facility that has all of the tools to develop the next Junior, Senior, and Masters international champions.
Storie, who started on December 1st commented "I am excited to start this new position at the Burnaby Velodrome. With our new board of directors, our membership and clinic numbers way up, and our new training tools, Burnaby is becoming the place to be to ride track. My aim is to provide a solid foundation of programming for riders of all levels and continue to grow the sport of track cycling."
For more information, check out the Burnaby Velodrome website: www.burnabyvelodrome.ca
|Return to Canadian Cyclist homepage | Back to Top


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Wariana, FU CG (BT - F) is one of the Furianns All-Stars - Command Group (BT - F).
Finely crafted in resin. Scale is 34mm: she will fit all popular miniature wargames. Comes with one 1 x 30mm round base.
→ Want more? SAVE with our Furianns All-Stars - All 10 (BT - F)Deals.
Collections: - Fantasy, 2020 Black Friday: Buy 2 Get 1 More for Free!, Blood Tribes (BT - F), Chaotic, Complete Collection
Category: Blood Tribes, Chaotic, Fantasy, Furianns, Hero


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A smart size for this girly wallet.
- Wallet
- Can hold: coins, cards and ID card
- Press stud closure with metal clasp
- Three parts
- Exterior: zippered pocket at the back
- Interior: pouches, 11 card slots, bill slot
- Genuine cowhide leather with reptile print
- Cotton lining
- Dimensions : H 10 x W 14.5 cm
All orders placed before 9 am are prepared and shipped during the day. Orders placed after 9 am will be processed as a priority on the next working day (subject to availability of the item, excluding holidays and exceptional closure).
The shipping is offered from 50€ of purchase (shipments in France, in Colissimo standard). We deliver at home or in Point Relais, in Colissimo standard or Chronopost express (more info here).
Would you like to exchange or request a refund? You have 14 days, from the date of receipt of the package, to return the item (see conditions here).
Leather is a natural, living material that requires a sensitive touch. It can be prematurely damaged if not cared for properly. Over time, leather patina. To preserve it appearance and extend the life of your bag, some precautions of use had to be taken:
1/ Before the first use, it is strongly recommended to protect your bag using a non-colored waterproof spray (with a distance of at least 30 cm).You can repeat this waterproofing process regularly every 2-3 months.
2/ It is recommended to avoid prolonged exposure to water, the sun, the moon, powerful artificial lights, heat and greasy substances, otherwise irreversible damage may occur.
3/ Be particularly careful about potential colour transfers. Avoid contact with coats and raw textiles that give off colour (such as dark jeans or new clothes). Similarly, take care when wearing a brightly coloured or dark bag! Generally speaking, you should avoid combining light leather with dark clothing and vice versa. If in doubt it's best to play it safe!
4/ Keep your bag in its protective cover, away from light and moisture, in a clean, dry and ventilated place. If you do not use it for an extended period, make sure you take it out and aerate it from time to time and polish it, to prevent dust from becoming embedded in the grain of the leather.
Find all our care instructions: here.
Unfortunately, we do not offer gift wrapping. But the accessories are sent in their protective cover with tissue paper in a cardboard box bearing the nat & nin brand name and a priceless order form.
In view of the current situation, our delivery times may be extended. Returns are extended until 05/01/2021.


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Next: ax_strings_strcasecmp, Previous: ax_split_version, Up: The Macros
This macro tries to find strcasecmp() in string.h.
Use this macro in conjunction with AX_STRINGS_STRCASECMP in your configure.in like so:
AX_STRING_STRCASECMP if test x"$ac_cv_string_strcasecmp" = "xno" ; then AX_STRINGS_STRCASECMP fi
This will cause either HAVE_STRING_STRCASECMP or HAVE_STRINGS_STRCASECMP to be defined in config.h, which will tell your code what header to include to get strcasecmp()'s prototype.
Download the latest version of ax_string_strcasecmp.m4 or browse the macro's revision history.
Copyright © 2008 Warren Young firstname.lastname@example.com
Copying and distribution of this file, with or without modification, are permitted in any medium without royalty provided the copyright notice and this notice are preserved. This file is offered as-is, without any warranty.


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You're the expert - put us to work!
Hey Carrotmobber -
You probably haven't organized a Carrotmob campaign before, right? We get it. It's kind of a daunting task and requires spare time you just don't have.
Even so, you do have ideas! When you go to cafes or restaurants and are shopping at your favorite stores, you notice if they serve Fair Trade tea, use compostable to-go ware, or are still using plastic bags (which you can't stand!).
Well from now on, whenever you see something at a business that you'd like them to improve, we've got you covered.
Today we're launching Ideas - a platform for anyone to suggest a Carrotmob idea in their community and get support for it - starting with the San Francisco Bay Area. And it's as easy at 1-2-3.
1. You suggest an idea for an action you want to see a business take
2. You spread the word to see who else cares about it
3. We contact the business once an idea becomes popular
So now we're just waiting for you to put us to work. We think you know more than us about the sustainable improvements you want to see in your community. We aren't the experts on your neighborhood. YOU are.
So tell us what campaigns you want to see by suggesting and supporting Carrotmob ideas.
Just twiddling our thumbs waiting for something to do,
Brent, Nisha, Ben, and Alex


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Hi guys, when i try to copy an image directly from word document and paste it directly into FCKeditor, the image does not show.
I was wondering if this functionality is available in FCKeditor or have i made mistakes in configuration?
This are the steps i did:
1. Open a word doc (CTRL + A)
2. Copy entire chunk of text and image or even image only (CTRL + C)
3. Paste it into fckeditor on testlink. (CTRL + V)
4. Result is only the texts are seen while the images are missing.
If i manually upload the images and browse server for the images, everything works fine.
Any feedback would be very much appreciated. Thanks!