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Several systems of lending and borrowing within financial markets have been progressively devised and implemented over centuries. Microloans refer to the diminutive loans awarded to groups of and individuals in society who have no access to rudimentary financial services. In most cases lenders have no access to physical character or credit history of the borrower. Microloans are therefore extended to individuals who do not merit conventional bank loans due to the lack of collateral, a verifiable credit history and formal employment. Microloans are largely formalized hence different from informal credit markets such as credits from pawn brokers, pay day lenders, or money lenders.
According to Cheung & Sundaresan, (2006), all microloan programs are founded on similar principles. The borrowers lack physical collateral, consequently the lending institutions award small loans with little or no security. The loans are short-term in nature, with the repayment period being as short as one week. They are in small amounts, Cheung, & Sundaresan (2006) further notes that the average amount lent out by the micro loaning institutions is $130. Further, microloans are characterized by joint liability in which loans are awarded to groups and not individuals. This enables liability to be shared among many borrowers in addition to group monitoring for accountability purposes.
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They are further characterized by virtual or real threats of grave consequences on defaulters by the institutions. This is to scare borrowers, thereby limiting misuse of funds and payment default. Microloans are further characterized by high administrative costs owing to the cumbersome process of monitoring the mostly subprime borrowers, high borrowing rates and the greater probability of default. The interest rates are frequent most of which are calculated on a weakly or monthly basis.
Currently, there exists a broad spectrum of views on the concept of microloans. Most economic and social scholars have been lauded microloans for empowering the poor (both the unemployed and struggling entrepreneurs) thereby creating independence among the poor.
Although there is evidence of the practice after the Second World War, Hermes, & Lensink, (2007) the rise in the popularity of the microloan concept has been credited to Grameen Bank and its founder Professor Yunus who was awarded the 2006 Nobel Peace Prize for successfully implementing the microloan conception to benefit poor women in Bangladesh. Their model of operation have been replicated the world over.
Current Trends
There has been a phenomenal rise in the access to microloans. This is attributable to the exponential increase in the number of micro-credit institution that reached 3,316 by December, 2006. The 2007 report on the global state of microcredit, from the proceedings of the 2007 microcredit campaign, indicate that the clientele base has risen from eight million in 1997 to over 132 million in 2007. The report further indicate that, of the 132 million, a whooping 85.2% are poor women an indication that micro-loans predominantly benefit the women, Daley-Harris, (2007).
Currently, microloans are accessed by individuals in all the continents. A survey presented by Cheung & Sundaresan (2006) showed that the microloan market had a substantial market of $28 trillion of which Africa, East Asia, East Europe, Latin America, Middle East and South Asia had 12%, 23%,17%,31%,2% and 15% respectively. His survey further shows high write off rates ranging between 20.29 and 39.4% with the average in excess of 30%. The above statistics indicate that, Majority of the population that access microloans in South America and South Asia who form 50% of the global population.
Microloans and commercial banking
A notable difference between microloans and contemporary commercial banking is the grouping structure. Most Microcredit institutions award loans to groups and not individuals. This is a deviation from the common lending arrangement of commercial banks that extend its loans to both groups and individuals. This principle is considered ideal, as it promotes accountability and ensures repayment by individual group members through the principle of social responsibility in which group members are accountable for one another.
Critics, however view this concept as a hindrance to its popularity among individuals citing the fear of joint liability among group members and high overhead costs. Microloans are further accessible without collateral besides having very little formal paperwork as opposed to commercial banks in which loanees must demonstrate their ability to repay. A further difference between micro-loans and commercial banks is the joint-liability agreement; Microloans are characterized by heightened monitoring and administrative processes. This is created by the need to deliver loans to the borrowers rather than borrowers coming for the loans and a necessity to ensure that the loanees do not divert the money into unproductive activities.
But are microloans the vessel out of poverty as so popularized? May critics see microloans as having no ability to entirely save the poor, but a further promotion of misery by indebting the very poor it seeks to help. According to Hermes, & Lensink, (2007), most microcredit institutions have exorbitant interest rates which far exceed that of commercial banks. The diminutive amounts of money awarded to recipients coupled with high interest rates and the savage sanctions to defaulters are shortcomings which cannot get the poor out of poverty, but only guarantees their daily livelihood without ensuring prosperity, Daley-Harris, (2007)
Statistics shown above indicate higher interest rates on microloans in comparison to commercial loans. The inflated interest rates have however been defended by most microcredit institutions, citing the cost of monitoring borrowers who are often subprime as the determinants of equilibrium borrowing and the interest rates. Furthermore the high rate of write-offs as a result of wilful default or genuine inabilities of repayment offer vindication to the considerably high interest rates. Analogous to commercial loans, credible and committed individuals who successfully repay their loans should be subsequently awarded loans of larger amounts to serve as an example and motivation to others to enable consequent repayments.
Although micro-loans are a recent development, it is without doubt they have provided a forum in which poor households are able to access credit. Furthermore they have helped and continue to lift massive proportions of the world population out of poverty. The popularity and rise of the micro loaning system is a clear indication of its positive contribution to the poverty reduction campaign. It also evidences the considerable proportion in need of rudimentary financial services but cannot access them.
Daley-Harris, S. (2007) Sate of the Microcredit Summit Campaign Report 2007
Cheung, S. & Sundaresan, S. (2006) Lending Without Access to Collateral; A theory
of Micro-Loan Borrowing Rates. Retrieved
Hermes, N. & Lensink, R. (2007) Impact of Microfinance: A critical Survey.
Economic and Political Weekly Pg. 462-465.


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Tuesday, February 22, 2011
View from the Deck
and last week just about all of our snow melted and you could see grass all around. You might even notice that the lake had lost all of the ice, except for just a few feet at the shoreline.
Monday, February 14, 2011
Valentine's Weekend in Door County
Brent did a couple hours worth of work on Saturday, but we had the rest of the day to tour around. Brent said that I could plan that time, so I opted for Sister Bay. When I've spent time in Door County in the past, that's one little town we tend to just drive through. There are so many things you can see or do, we always have to choose our time wisely. I knew Sister Bay has a Scandinavian history, so I thought it would help me feel like home! We had a great lunch, and a fun time in a few little shops.
We were able to do a few other fun things, but then headed towards my favorite park in Door County: Cave Point County Park. It's become my favorite spot! My friends that I usually travel there with will most likely recognize the little tiny cove that we usually take pictures around. Check out what it looks like with an almost-frozen Lake Michigan! Pretty strange, and unique, and oddly beautiful!It had been really nice and warm during the day -I could wear just my sweater without my winter coat on, until we got towards later afternoon and right on the lake. Then, it seemed really cold all of a sudden!
I've had a number of pictures taken on this little ledge, but this time I couldn't, or wouldn't, sit down on it and dangle my legs over the side. That snow looked too cold!
We couldn't get into the "hole-in-the-rock" that my friend, LaVonne, and I have taken pictures in before. I didn't dare walk on the snow/ice/water that we inbetween those stages every few feet!

subset: commoncrawl


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So maybe the novelty and enthusiasm of Joe Wicks's morning PE sessions is waning a bit. Getting them off the sofa or their beds is becoming a chore? Then tempt them into action with these 25 physical games that will get the blood … [Read more...]
Health & Wellbeing
A series of articles covering issues with your health.
25 Exercise Games
Catch it, Bin it, Kill it
As a parent of three kids, I'm continually washing my hands and theirs. Pulling fingers out nostrils, out of pants. Away from dogs on the street (only to protect your pup, not mine) and digging out lots of mud from under 30 fingernails. Now, I'm … [Read more...]
First Ever State Boarding School Opens
The first-ever state boarding school for children as young as four will open this September in a bid to cater to working families who have been priced out of the independent education. Wymondham College Prep School will charge £11,000 a year … [Read more...]
Silvertown Tunnel Gets Go-Ahead
Yesterday Transport for London confirmed that the Riverlinx consortium had been appointed to design, build, finance and maintain the new Silvertown Tunnel. Signing the 1 Billion pound contract with the firm. This twin-bore road tunnel under the Thames in … [Read more...]
Let's get down to the Nitty Gritty
Ahh, the Nitty Gritty, bugs, nits, lice, fleas. Words that will strike fear into the hearts of many a parent! It's a horrible sinking, feeling knowing that your child has brought home little friends and an all-consuming process to check repeatedly and … [Read more...]
Teen Self Esteem
Growing up as a teen in today's world is difficult. While they have more access to things we never could even dream of, sometimes this easy access can come with quite the burden to bare. Did you know that 20% of teens will experience … [Read more...]
The Scourge of Mummy Guilt
We all have our "thing" that one or even a few hang-ups or limiting beliefs that eat away at us and whisper to us with soul-crushing negative self-talk. You're not good enough. How can 'you' do that or your an idiot. Don't eat that you're fat … [Read more...]
Our Top 5 Best Hotels for Sex in Greenwich
Sex when you're a parent can be a bit tricky. It's fairly typical to discover that when one of you is raring to go, the other wants a bed, socks and a cup of tea. Finding the right time and opportunity ... well, let's just say sometimes you have to get … [Read more...]
Check into Club Duvet
The Festival of Sleep Day is for people, i.e. parents like you and me or anyone really who would like to get some "shut eye" and relaxation after the Christmas holidays. With all the craziness of Christmas shopping, presents, kitchen mayhem and the New … [Read more...]
Greenwich White Ribbon Day 2018
White Ribbon UK was founded in 2005. The Mission: To end male violence against women, once and for all. If you are being abused seeking help can be hard. You may feel there's nowhere to turn or that no-one will take you seriously. There is help … [Read more...]
Start A September Do Over
January isn't the only time to feel like you can get a fresh start. September is just as good of a month to begin again, even if you haven't attended school for years now. The start of the school year gives the feel that you can try harder, be a bit … [Read more...]
Celebrate Positive Thinking
Everyone needs a bit of positive thinking in their lives. Being mindful is part of our overall health. When we have positivity in our life, it carries over to many other aspects and areas. Yes, even as a stressed-out parent like you and I can achieve … [Read more...]
September Baby Safety Month
September is Baby Safety Month and a great opportunity for you to make sure your little one is surrounded by the safest products you can find. Baby Safety Month is sponsored by Juvenile Products Manufacturing Association (JPMA). Their goal is to make sure … [Read more...]
Seven Apps Every Woman Needs
Tech hasn't always been so female-friendly. When Apple released its health app in the autumn of 2014, you could track pretty much anything health related but not follow and track your period. Apple has since addressed this by adding a Reproductive … [Read more...]
Greenwich Creepy Crawley Alert
A native of southern Europe, where the bigger bugs and the weather keep these guys in check the Oak Processionary Moth was first, accidentally introduced to Britain back in 2005, with eggs which had been laid on live oak plants imported from … [Read more...]
Summertime Safety Tips
Every new parent approaches their first summer season with a certain amount of reservation and trepidation. I Know I did! All 3 of our babies were born in darkest January. There were so many things to be wary of, combined with the natural anxieties of … [Read more...]
How Can You Build Your Child's Self Esteem
As parents, we know building our child's self-esteem is essential. Development specialists always tell us so. But, knowing it is important is not the same as knowing how to give your child a strong sense of self-worth. There is no easy strategy, but there … [Read more...]
Pale and Freckled: Skin Cancer Month
I came to terms with my colouring many years ago - I'm a redhead and proud. My skin, as my lovely old nan used to describe is like peaches and cream and covered in fairy footprints. I've also learnt the hard way to care for my skin and have burnt … [Read more...]
3 Reasons Mum Should Have A Hobby
Do you have a hobby? Mums these days are so very busy, and that's not to say that our mums and grandmothers were not so hard working. On the contrary, mums today, we've never had it so easy have we? Could you imagine dealing with three kids, norovirus and … [Read more...]
What you need to know about Scarlet Fever.
Scarlet Fever is much less common than it used to be but in recent years there have been a number of significant outbreaks and it appears we could be in for a re-run. Figures published by Public Health England Published in May 2017 showed a total of … [Read more...]


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Thomas Ravenel and Ashley hint breaking up in latest episode of Southern Charm
Thomas Ravenel and Ashley Jacob finally face the truth about their relationship and realize not everything is fine between them.
Thomas Ravenel and Ashley Jacob finally faced the music as the pair was forced to talk about teh status of their relationship.
On the latest episode of 'Southern Charm', Thomas is shown being worried that Ashey might just be interested in his money and may have no feelings about him whatsover. "When I first met Ashley, I wanted a companion, I wanted a best friend," he says in the episode, as reported by People.
"It's different now. I feel like my whole life, women have been attracted to me for the wrong reasons. I sought out fortune and fame and I thought maybe that would attract the right kind of woman, but I got it all backward." It is then that Thomas decides to confront Ashley about this. During their trip to Thomas's barn, he suggests that she should think about working. "I see you as a wonderful person who has a wonderful career. That career helped make you the person that made me want to bring you all the way to the east coast," he says. "But the way things are going, I'm just some kind of sugar daddy."
Thomas goes on to explain that he does not want Ashley to depend on him for everything. "You're asking me to change by telling me to get a job and I'm asking you to change too," Ashley replies. Looking at how frustrated Ashley looked, Thomas makes the decision of ending the conversation. "If you don't want to do this and if I'm such a terrible person, maybe we should just call it quits," he says.
Meanwhile, during a polo match, Ashley is seen talking to her friends about the strained relationship. "Thomas and I just kind of pumped the break a little bit," she tells Shep Rose.
"I feel alone and isolated. I want a future, I don't want to waste time." Things take a little different turn when Ashley jokingly asks Shep if she would like to date Thomas if they ever split.
Thomas is also seen talking to his ex Kathryn Dennis and discusses his concern about the relationship. "My relationship has been a little stressful," he says. "I just don't know if this is going to work. I just haven't had a lot of success in my personal life." It is then that the pair decides to have an honest conversation about each other and their relationship. "I just want to tell you, this is not really good for me," Thomas says. This is not what I want. If I can't be true to myself then I can't be true to you or anyone else."
But Ashley seems adamant to put forward her thoughts. "Even if it ends right now, I would still do it over. I've learned so much about me. If it doesn't work I want you to know there are no regrets," she says. "I don't want to just throw in the towel. I still think I have maybe a little more fight in me," she says. "I want to be able to walk away and say I've tried. want you to give me that opportunity so I don't live with regret. I still have some hope."


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If you read English newspapers you might have formed the impression that handsome batting superhero Alastair Cook is a bit of a disappointment as a leader of men. Headlines such as "Calamity Cook" (Times), "Captain Comedy" (Essex Bugle) and "Cook's Concatenation of Cricket Clangers Causes Cereal Crop Catastrophe" (Farmer's Weekly) suggest that his captaincy skills are not particularly highly rated in his home country.
It isn't just the experts in the press box who feel qualified to point out his failings. Waitresses at the ECB canteen snigger that he leaves the salt too square and fails to move the vinegar in short despite that fact that Ian Bell always has vinegar on his chips. His neighbours shake their heads at the predictable straight lines of his vegetable patch, an orthodox arrangement that the modern slug has no trouble penetrating.
Even the England team coach driver regularly takes to Twitter to criticise Cook's choice of driving music, although with hindsight, his decision to go with Radiohead's "No Suprises" as his rousing pre-Gabba anthem was rather ill-judged.
So everyone agrees Alastair is rubbish. But just how rubbish is he, exactly? We know, for instance, that Phil Tufnell was rubbish at batting and we can quantify exactly how rubbish he was to two decimal places. We know, from looking at the stats, that during the 1989 Ashes series, England's bowlers flung more pies than a steam-powered pie-flinging machine during the 1851 Great Exhibition of Pastry Propulsion.
This is one of the incidental beauties of cricket. You can put a number on everything, then you can crunch the numbers and argue about the patterns that the number crumbs make. But the only captaincy stats out there are wins and losses, which don't tell the whole story, since so much depends on the quality of the players you're lumbered with.
Cook is accused of not being adventurous enough. But how do we measure adventurousness? Could we use the Warne Scale Of Adventure, which runs from 0 (Boycott) through 100 (Indiana Jones) to the full 200 (General Custer)? What about the effectiveness of field settings? Maybe we should introduce the IT Botham Correlation, in which the satisfactoriness of field settings is related to the number of commentary grumbles per minute. And what about those all-important inspirational qualities? Perhaps Alastair could give a team talk to some laboratory mice wired up to monitor their adrenal responses?
In the absence of any real data, all we're left with are the subjective opinions of cricketers. And we all know not to trust the subjective opinions of cricketers. Take this recent quote from Ian Bell, for instance:
"There is absolutely no doubt that Alastair will continue as captain. I don't think the tactics were wrong. I don't think he could have done anything more."
Of course, what he really means is:
"For God's sake don't sack Alastair because I'm next in line and there's no way I want to be leading this bunch of nobodies. I mean, have you seen them bat? Seriously, this team stinks, and I should know. I swear, if you make me captain, I will cry. I mean it. I will just start sobbing right there in the dressing room. Do you want that on your conscience?"
With no reliable way of measuring a captain's ability, the sensible solution is to give them all four years, regardless of results: a fixed-term appointment, like the US President or the Pope or the Queen. You might not think the Queen is up to it anymore, you might be scathing about the Pope's cardinal-selection policy, but tough. You're stuck with them for the duration, so stop whining.
And the good news for England fans is that under the four-year captain rotation policy, you only have another two years, two months and four days of Alastair to go.


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The DNC announces the next four debates
First up today, the DNC has announced the basic info on the four debates that come in the first two months of 2020. As a reminder, the DNC has said it will hold 12 primary debates in all, half of which are in 2019 and the other half in 2020. Now, they could certainly add to that list, but that's the current plan. Next week's debate is the 6th so far. The list they released today brings us to 10, so that means after all of these there are still at least two more debates in the primary season alone.
Okay, so here is the list of dates, broadcasters, and locations for the first FOUR debates in 2020.
Debate number 7: January 14th. It will air on CNN, and take place at Drake University in Des Moines, Iowa.
Debate number 8: February 7th. It will air on ABC, and take place at St. Anselm College in Manchester, New Hampshire.
Debate number 9: February 19th. It will air on NBC, and take place somewhere in Las Vegas, Nevada.
And Debate number 10: February 25th. It will air on CBS, and take place at The Gaillard ["gil-YARD"] Center in Charleston, South Carolina.
So, with THREE debates in February, um, we're gonna be busy. Also, you can imagine that the qualification rules for those February debates could be weirdly complicated given how close they are to one another. It might make sense for the DNC to simplify the polling rules given that the last two debates are only six days apart. We don't have any official word on what those qualifying rules are yet, but I'm watching for that one, and we may get some more info as soon as tomorrow.
One other note: The DNC acknowledged the possibility of an impeachment trial and the fact that there are multiple Senators likely to appear on the debate stage, while also having to attend that trial late into the evening. They said they'd try to figure out how to make that work if it happens.
Who has and hasn't qualified for the debate
While we're on the topic of debates, we have a likely final list of candidates for the stage next week. While it is technically possible that Gabbard could get a qualifying poll late today, it seems unlikely—and she has already pledged not to appear anyway, so…we might as well assume this is the list of candidates who will appear one week from today:
Biden, Buttigieg, Klobuchar, Sanders, Steyer, Warren, and Yang.
That's seven, down from 10 in November. And that's actually the first substantial reduction since we've had in months.
While we're talking about qualifying polls, former New York City Mayor Mike Bloomberg actually has TWO qualifying polls right now for December. He would need four of them, but still—for a late entrant, that's a lot. He got 5% in each of the national polls released on Tuesday. And before those, he had several 3% results that just barely missed the cut. So it seems that Bloomberg really could get the polls he needs, though that donor thing is still an issue.
And to close out this segment, let's hear from former HUD Secretary Julián Castro on the debate qualification rules. His comments came after Tom Steyer, who did make the debate, called for the DNC to change its rules so the debates would include more diverse candidates. When asked about this, Castro suggested a much deeper structural change to the primary process. Listen in:
The polling deadline closes tonight for next week's debate…and why it was so hard to qualify this time
And in our final debate story for today, let's examine why qualifying for the December debate was so much harder than qualifying for November. Yes, the DNC ramped up the rules yet again for the percentage each candidate had to get in polls, and the number of donors they needed. But in the past, lots of candidates have been able to reach these increasing requirements pretty easily. So what was different this time?
Reading from an article by Geoffrey Skelley for FiveThirtyEight:
"There is one real challenge these candidates have faced, though. And that's that far fewer qualifying polls have been released in the last two weeks than in the previous five debates. Only two polls have been released in the last two weeks compared to nine in the lead up to the last debate. In fact, the two national polls from Monmouth University and Quinnipiac University released on Tuesday marked the first surveys since a CNN poll came out on Nov[ember] 27[th], the day before Thanksgiving.
Most debates have seen anywhere from five to nine polls released in the last two weeks, but for the upcoming debate, it seems as if there will be less than five. So what's behind the dearth in polling? One obvious culprit is Thanksgiving. Pollsters try to avoid polling around the holidays because of concerns about response rates — people are often traveling or visiting family and friends. In that sense then, it's not surprising that there weren't any polls released right after the holiday weekend when few pollsters would've been in the field anyway. However, pollsters could have conducted surveys last week and then released them this past weekend — yet none did."
Skelley goes on to note that even with this lack of polling, one remaining factor is which organizations the DNC chooses as approved pollsters. They have a list, and not every pollster or sponsoring organization is on it. And there were polls released after Thanksgiving, but they weren't on that list, so they don't count for the debates. If the DNC's rules were more permissive, that may have given more opportunities for candidates to get qualifying results.
But, as always, the DNC sets the rules for the DNC's debates. And there is an open question about what those rules might be for the January and February debates. Not to put too fine a point on it, but the big word here is Bloomberg. He will have good polling, but he won't have donors. We'll have to see whether the DNC makes room for him on the stage by dropping the donor requirements, or sticks with its existing pattern of relying on both donors and polls. Either way, get ready, it's gonna be a busy winter.
The impeachment update
And now the impeachment news in four minutes or less.
Yesterday, the House Judiciary Committee began its markup process on the articles of impeachment. Just before the hearing began, House Intelligence Committee Chairman Adam Schiff sent some new classified evidence // over to the Judiciary Committee. We don't know what that evidence is, but it may be a way to make sure the final bits of the investigation are technically on the record before any voting happens. In his opening statement, Judiciary Chair Jerry Nadler described how he thought the debate should go. Here's a clip.
The hearings did not stick to those questions. What followed was an immensely long hearing, which went late into the night. Nadler allowed every member a five-minute statement, and given that are 41 members on that committee, this took a long time. There were many notable speeches that emphasized the personal biographies of the House members on that committee, and how they viewed the proceedings through the lens of their biographies.
But the most explosive moment was when Representative Louie Gohmert of Texas named the person he thinks is the whistleblower as part of a list of people he called on to testify. Now, Schiff had previously warned members, repeatedly, not to do this, as the whistleblower statute allows whistleblowers to remain anonymous, and there have already been threats of violence against this unnamed person. Schiff had also noted that any attempt by a House member to release that name could be an ethics violation.
Meanwhile, in an odd twist of the calendar, this hearing began precisely 21 years, to the day, after the same committee approved articles of impeachment against President Bill Clinton. After the hearings wrapped up late last night, they started right up again this morning.
As the hearings continued, they were, yet again, beset by procedural motions designed to stretch things out. At one point, Republican Jim Jordan introduced a resolution that would strike the entire first article of impeachment. That kicked off an hours-long debate, because, again, all members of the committee get time to comment on that kind of resolution. And as I say these words, there's every reason to assume it will happen again with the second article. So, I presume a vote will happen at some point tonight, and, if so, I'll tell you about it tomorrow. But honestly, at this rate, who knows.
One more procedural note. As we get closer to a vote on the House floor, some Democrats from districts that went for Trump in 2016 are reportedly planning not to vote for impeachment. Here's how the math works. Assuming the vote goes along party lines, and Independent Justin Amash votes with Democrats, Democrats can afford to lose the votes of up to 17 members. The reports I've seen have as many as six considering that action, and we are likely to see a vote sometime next week.
Hawaii cancels its Republican primary
And here's a quick one. After I reported on Tuesday that that seven states now have either no Republican Presidential primary at all, or one with just President Trump on the ballot, Hawaii has joined that list. So make it eight. The Hawaii GOP has announced that all of its delegates are going for Trump, and there will be no presidential preference poll.
Now, you may ask, what's a presidential preference poll? Well, to oversimplify wildly, it's kind of halfway between a caucus and a primary. But the point here is that it's the mechanism by which the party would allocate its delegates, and it's not happening, so that's that for now.
A judge dismisses the lawsuit about the South Carolina Republican primary
And another quick one. A judge in South Carolina has dismissed a case against the state GOP that could have reinstated its presidential primary.
It's a somewhat complex decision in terms of the legal argument, but the ruling is in the show notes in you're curious. Overall, this very likely means there will be no South Carolina Republican Presidential primary. Sorry, its "presidential preference primary." ANYWAY, reading from an article by Jamie Lovegrove in The Post and Courier:
"[Richland County Circuit Judge Jocelyn] Newman ruled that the South Carolina GOP did not count as a state government actor at the time of the executive committee's decision and would only become one in the eyes of the law if they had decided to hold a primary.
She also determined that some of the statutes the plaintiffs sought to apply to presidential preference primaries only apply to other types of primaries. Presidential primaries are unique in that they do not determine the party's nominee but only bind delegates to vote for a certain candidate at the party's national convention."
So, like I said, there's some complexity in the legal stuff, and feel free to dig in using those show notes if you're curious.
A comparison of TV spending by the Democratic candidates
And last up today, CNN reporter David Wright did a roundup of how much Democratic primary candidates have spent on TV ads so far in this primary cycle. While I don't want to just read a giant list of numbers, I'm going to pick out a few of them here.
At the top of list are Bloomberg at more than $100 million dollars, and Steyer at more than $82 million dollars. Then there's huge drop-off to the next candidate down the list. That's Senator Bernie Sanders at more than $8 million dollars. In others, about a tenth of what Steyer has already spent.
If you're curious about who's spending money on TV in this campaign, well, that's the broad answer—it's the two billionaires currently spending WAY, WAY more than everybody else combined.
A few more interesting notes here, though. First, Biden has only spent about $2 million dollars on TV so far. That's a bit surprising, given his standing in the polls. For comparison, Yang has spent more than twice that much. Now, having said that, there is a Super PAC running ads on Biden's behalf. But still, they're not spending a ton.
And one other fun fact that jumped out at me is that author Marianne Williamson has spent just $972 dollars on TV ads. Now, wherever she got that deal, I want to go and run an ad. So if you have a TV station and you run can my ad on the air for $972 dollars, get in touch.
- ZipRecruiter – ziprecruiter.com/begin
- Chris Higgins on Twitter
- Chris Higgins on Instagram
- Election Ride Home on Twitter
- Election Ride Home on Facebook
- Chris Higgins interview on Words Matter podcast (Words Matter Media)
- DNC tweets announcing next debates (Twitter/The Democrats)
- Why It's Tougher To Qualify For The December Democratic Debate (FiveThirtyEight)
- Seven Candidates Have Qualified For The December Democratic Debate (FiveThirtyEight)
- Tom Steyer Statement on DNC January Debate Rules (Tom 2020)
- Castro re the rules for the debate stage (Twitter/Julián Castro)
- Live blog of impeachment inquiry news, Thursday (The Guardian)
- Live blog of impeachment inquiry news, Wednesday (The Guardian)
- House Panel Debates Impeachment Articles in Bid to Complete Charges Against Trump (NYT)
- Nadler opening statement (Twitter/C-SPAN)
- Dem leaders see only handful of defections on impeachment (Politico)
- Hawaii GOP cancels presidential preference poll, commits delegates to Trump (The Hill)
- Judge dismisses lawsuit against SC GOP for nixing 2020 presidential primary (Post and Courtier)
- South Carolina GOP ruling PDF (SC Circuit Court)
- Wright thread on Democratic primary TV spending (Twitter/David Wright)


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Track Loader
Operating Weight – 6,930#
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Associate of Applied Science degree in Business Administration in Marketing is apt for individuals interested in joining marketing sector. This course provides basics of Business Administration and Marketing, as well as prepares you for entry-level jobs in business world.
Good marketing skills are appreciated and required by every company, big or small. This course also prepares students for minimum skills and education required to apply for a higher degree, such as Bachelor`s in Business Administration- Marketing.
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Online lectures are not just customized teaching with anytime, anywhere study hours, but are based on a curriculum which is equally accredited and accepted like any on-campus curriculum.
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This degree course teaches ways to implement business skills in the marketing industry. Subjects covered in this course are business, communications, arts and Humanities, principles of marketing, economics as well as social and behavioral sciences.
Apart from curriculum based education, you will also learn about analytical and technical aspects involved in a marketing sector. You will be introduced to various principles of advertising and business promotion, business law and consumer behavior.
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It's fashionable nowadays to eschew Valentines Day. "I don't need someone else to tell me when to be romantic", people say. 'I follow my own rhythm. And anyway, isn't it all about selling tacky red hearts and flowers?'
Well, to a point. But I suspect that, beneath this apparently sophisticated argument, the "myth of spontaneity", as couples therapist and author Esther Perel[i] called it, is alive and well. So many of my clients tell me that planning for a romantic time or, God forbid, sex, is just wrong. 'It kills the passion; it makes it like scheduling a business meeting; it's just too contrived'.
I respond thus:
"So tell me. You come home from a long day to find your partner has spent all afternoon planning a special three course meal. He or she has chosen the recipes, shopped, cooked, made the table look beautiful, lit candles, chilled some bubbly, put on an outfit you particularly like, and chosen some romantic music.
Do you say, "You've cheapened the moment with all that thought and planning … now I feel obliged to EAT that food … couldn't we have just done something spontaneous like get a bucket of fried chicken?"
I believe that most couples who want to sustain love and sex in their relationship have to jettison the idea that spontaneous is best. If, ten years into your relationship, you find you both get simultaneously struck by the horny lightning bolt several times a week and have passionate, unplanned sex, well … hats off to you.
But for most of us, something more is needed. We need to own our desire to make passion part of an ongoing relationship, and then set about making it happen. What say we think meaningful, not contrived? Thoughtful, not manufactured? Creating a space for quality time, not setting a schedule? Esther puts it beautifully:
"Committed sex is intentional sex. "I couldn't resist" has to become "I don't want to resist." "We just fell into each other's arms" has to become "Let me take you in my arms." "We just click" has to become "Can we click tonight?"
So Happy Valentines Day … and it's not too late to plan – you never know, something beautiful might happen.
[i] Esther Perel has written a brilliant book on how to reconcile domesticity with eroticism: "Mating in Captivity", Hodder & Stoughton, 2007.


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Training Day
Watch Training Day online full series free. Training Day watch online all episodes for free in HD.
Info: Fifteen years after the events of the feature film, Kyle Craig is assigned to go undercover in an elite squad of the LAPD as Detective Frank Rourke's trainee to spy on him and report on his off-book methods. As Frank starts teaching his principled trainee the way of the streets, they form an uneasy alliance that will change the course of both their lives irrevocably.
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Actors: Bill Paxton, Christina Vidal, Drew Van Acker, Julie Benz, Justin Cornwell, Katrina Law, Lex Scott Davis, Marianne Jean-Baptiste
Studio: Fuqua Films, Jerry Bruckheimer Television, Warner Bros. Television
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Dartmouth Medical Physics Alumni
Graduates from Dartmouth program currently employed as Medical Physicists (note: 2016 accreditation date)
- Sunshine Osterman PhD (2001), Senior Medical Physicist, Dept. of Radiation Oncology, Assistant Professor, NYU School of Medicine, NY.
- Troy Zhou PhD (2006), Director & Senior Medical Physicist, Landauer Inc., Siemens Medical Solutions, Miami FL.
- Christina Skourou PhD (2007), Senior Medical Physicist, St. Luke's Radiation Oncology Network, Dublin, Ireland.
- Colleen Fox PhD (2009), Assist. Chief Medical Physicist, Radiation Oncology, Dartmouth-Hitchcock Medical Center, Lebanon NH; Assistant Professor of Medicine, Geisel School of Medicine at Dartmouth, Hanover NH.
- Jia Wang PhD (2009), Medical/Radiation Physicist, Environmental Health & Safety, Stanford University, CA.
- Zhiqui Li PhD (2011), Senior Medical Physicist, Orlando Health, Orlando FL.
- Rongxiao Zhang PhD (2015), Medical Physicist & Assistant Professor, Radiation Oncology, Geisel of Medicine, Dartmouth-Hitchcock Health.
- David Bo McClatchy PhD (2018-2021) Medical Physics Resident, Harvard Medical School, Boston MA
- Jacqueline Andreozzi PhD (2018-2020) Clinical Medical Physics Resident, University of Florida, Gainsville FL


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Round trip flights from San Francisco to Hamilton
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Airport Details: From SFO, San Francisco International Airport To YHM, John C. Munro Hamilton International Airport
Blending culture and history with fine food and drink, Hamilton isn't just a stop on the road to Toronto — it's a popular destination in its own right. In addition to its many restaurants, the city offers institutions including the Art Gallery of Hamilton, which houses an impressive collection of more than 9,000 pieces. With heritage sites like Dundurn Castle and Griffin House – not to mention popular museums like the Canadian Warplane Heritage Museum – this is also a place where Canadian history comes to life.
Rely on WestJet for round trip flights when you want to visit one of the most inspiring, activity-filled places in Ontario. Get the best out of Bayfront Park, Christ's Church Cathedral, the African Lion Safari Park and more once you've flown from San Francisco to Hamilton with WestJet.


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Home-grown music companies have changed with the times
KittyWu, a home-grown music company, is celebrating its 10th year in the business in a time when the local music scene is also flourishing
The story of KittyWu, a home-grown music company run by husband-and-wife duo Errol Tan and Lesley Chew, is also a parable of how much independent music labels have had to adapt to the sea change in the music industry in the last decade.
It started out as a record label for releases by acclaimed Singapore acts such as instrumental outfits I Am David Sparkle and Amateur Takes Control, as well as post-hardcore band Caracal and experimental rock band Monster Cat.
The company eventually branched out into artist management, merchandising and organising and promoting shows for not just artists on its roster but also touring international acts.
"The traditional idea of a record label and the business model has drastically changed," says Mr Tan.
"Record labels have been decimated by the digital shift and are rethinking their business model to survive.
"Music companies are diversifying and branching out into various spheres of the music business."
KittyWu is one of the local indie companies that have played an important role in the rise of home-grown music acts.
This weekend, the company marks its 10th year with two shows at the Esplanade that feature both Singapore and international acts.
British math rock band TTNG and American loop artist Mylets will perform tonight at the Esplanade's Annexe Studio.
Tomorrow's concert will feature home-grown outfit Amateur Takes Control, progressive rock band T-Rex and Malaysian band Dirgahayu.
While Mr Tan, 41, had experience designing T-shirts, album covers and merchandise for his friends' bands, he and Ms Chew, 36, had "zero knowledge" about running a music label when they formed KittyWu in 2007.
They picked up tips from friends who were already in the music business and did research online, but it also took them a while to learn the ins and outs of running the business.
Says Mr Tan: "We took our own skill sets and experience from advertising and events management and applied it to our music business with a healthy dose of common sense and a gungho spirit.
"We liked the DIY spirit of the music community. No one will make it for you, you have to do it yourself. There was a lot of experimentation."
Their achievements over the years - which include helping I Am David Sparkle play in South By Southwest (SXSW) in 2009, a major annual American music conference and festival, and bringing in acclaimed bands such as post-rock luminaries Mogwai - are quite remarkable, considering that the couple have always kept their day jobs.
Mr Tan is a creative director in a creative agency and Ms Chew handles special projects and operations at a coffee-based social enterprise. The couple have a daughter who turns three this year.
Says Ms Chew: "It's always been a passion project done over late nights and the occasional e-mail or two snuck in during office lunch times at the day job.
"I feel you really have to struggle in Singapore to make music a full-time job and our motivations would be very different if we were to turn KittyWu into a full-time job and I'm not sure if I would enjoy it as much."
Running KittyWu has never been about profits. Their projects are mostly self-funded and they get help from "angel investors", but Mr Tan says that they are happy just to break even.
Working in KittyWu has become such a big part of their lives that when the couple got married in 2010, their wedding took the form of a gig they dubbed Rollopoloosley - A Wedding Festival and they got bands such as I Am David Sparkle, The Great Spy Experiment and Amberhaze to perform.
While KittyWu will continue putting out records and organising shows, Mr Tan says what excites him more is seeing the home-grown music scene expand.
"The scene has grown by leaps and bounds," he says.
"There's a lot more backing for our musical exports, a wider understanding of the industry, music education, and greater advocacy for music as a cultural and economic anchor."
Secret Signals
Home-grown music company Secret Signals' name is a cryptic, yet apt, moniker as it describes its invisible, behind-the-scenes role in helping artists reach out to their audience.
Formed in 2012, the company has handled artist management and music label services for not just Singapore acts such as pop-punk/indie veterans Plainsunset and breakout singer-songwriter Gentle Bones, but also artists such as English singer Cher Lloyd from singing reality show The X Factor.
Secret Signals has also been instrumental in getting American and European music labels such as Hopeless Records, which represents popular pop-punk names such as Sum 41 and New Found Glory, to develop their artists in the region.
The company is made of people who understand both the business and creative side of music as they are avid music fans and musicians themselves who have been involved in the scene since the early 2000s.
Co-founder Esmond Wee, 35, says: "It's always been part of our plan to help local and regional artists. We all grew in the music environment, we know what it's like. We feel a bit of social corporate responsibility to give back to the scene that gave us so much."
Mr Wee was not just a singer with emo-rockers Vertical Rush; he also cut his teeth on the business side of things by playing various roles in now defunct indie label and music collective Wake Me Up Music.
Secret Signals fellow founder Sameer Sadhu, 29, was Mr Wee's intern at Wake Me Up. While he is now based in Los Angeles, and manages Grammy-nominated American singer-songwriter Mike Posner full-time, Sadhu is still actively involved with Secret Signals and acts as a liaison for the company's American partners such as music label Red Bull Records.
Another founder, Mr Keith Tan, 35, has worked in music companies and organisations such as the Esplanade, live music venue TAB and runs another music company, Slate Entertainment.
The newest member of the team, Mr Edwin Waliman, 26, plays bass in pop-rock band The Summer State and runs day-to-day operations as label manager.
The growth of the music scene and the rising income artists are getting through gigs, music streams and merchandising mean that it is important that artists here become more aware of the business side of the music industry, says Mr Wee, and that is where companies such as Secret Signals can help.
The company's current batch of acts include rising names in the scene such as R&B/electronic singer Ffion, who is starting to develop a fan base in Indonesia, as well as post-hardcore band Villes, who recently started to get airplay on Australian radio.
Mr Wee says: "I wouldn't be caught dead saying this 15 years ago, but it's good that bands are starting to see themselves as a business as they end up being less of a pushover.
"In the past, we've seen things such as event organisers that don't pay bands just because they're not a business entity."
Aging Youth
Aging Youth started out as an online magazine covering the independent music scene here, but went on to play a pivotal role in the rise of home-grown music acts such as rapper Shigga Shay and singer-songwriter Inch Chua.
Today, the company, which does artist management, concert organising, publishing and other music- related services, is a one-man show run by Mr Willy Tan, 39.
Back in 2004, he and his National Junior College schoolmates Tan Yee Yong and Seng Woei Yuan decided to fill the gap left by BigO, a local music magazine that stopped publishing its print edition in 2002.
WHERE: Esplanade Annexe Studio, 1 Esplanade Drive
WHEN: Today, 7.30pm
ADMISSION: $70 at the door
WHERE: Esplanade Annexe Studio
WHEN: Tomorrow, 4.30pm
ADMISSION: $25 from ticketbox.sg/kittywu10
Within the same year, the trio expanded their operations and started organising gigs at the Esplanade and the now defunct night spot Bar None.
"Our reasons for starting Aging Youth are not that altruistic," jokes Mr Tan. "We were musicians ourselves and we organised the shows so that we could have opportunities to play live as well."
They were also big fans of the bands that were active around that time and became a music label for acclaimed acts such as their first signing B-Quartet, Lunarin and Allura, an alternative rock band whose singer, Inch Chua, went on to carve out a music career as a solo singer-songwriter.
Declining CD sales and the closure of music retailers such as Gramophone prompted the company to move into other music- related businesses such as artist management.
From 2011 to early this year, Aging Youth handled business affairs for Shigga Shay as he rose from an underground rapper to one of the local hip-hop scene's most recognisable faces.
Mr Tan Yee Yong and Mr Seng eventually left Aging Youth in 2009 to focus on their day jobs and families.
Mr Willy Tan, a bachelor, had juggled the company and day jobs in the past, but Aging Youth became his full-time job in 2014, when more gigs started coming in.
Besides managing Singapore newcomer Jasmine Sokko, an electronic music artist whose debut single 1057 was released last year, he also does marketing and public relations for clients such as R&B singer Sheeq Luna and music recording studio AOR Studios.
He takes on projects such as curating the artists performing at the recent sustainable light art festival, i Light Marina Bay, and produces digital media content for clients such as major record label Universal Music Singapore.
"Today, the scene has a lot of artists and bands who are very savvy in how they market themselves," he says. "I still feel that while artists drive their vision, there is a role for people like me to amplify their artistry and to help them get their music out to a wider audience."


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Put yourself in the Woodrow Wilson House by downloading one of these images! Simply right click the image and 'Save As Picture' to your desktop, then upload to your video conferencing app. If you are using Zoom, hit the arrow in the bottom left corner of your window and select "choose a virtual background." Pick your newly downloaded choice and enjoy!
(A gentle reminder: Wilson House images are copyrighted and are offered here for personal use only.)
For a brief glorious time, the museum displayed Wilson's 1923 Silver Ghost Rolls Royce before it returned to its private owner.
This diminutive landscape by American artist Robert Vonnoh (1858-1933) appeared in the Salamagundi' Club's annual Thumb-box exhibition in New York. It was given to Ellen Wilson by the artist in Cornish, New Hampshire in August 1913 when Ellen and her three daughters were summering at Harlakenden. The Wilsons knew Vonnoh and his sculptor-wife Bessie from the artists' colony at Old Lyme, Connecticut. Vonnoh traveled extensively between the East Coast and France, where he was heavily influenced by the Impressionists, particularly Claude Monet.
The the artist, Alice H. Allen of Springfield, Ohio presented the flag to Wilson as a gesture of support for his efforts to get the United States to join the League. The Springfield (Ohio) Sun newspaper, April 1, 1923, reported: "Mrs. Francis K. Allen is one of Springfield's nationally and internationally known women. She conceived the idea and designed the flag known as the 'Golden Rule Standard for Peace and Unity'. The flag has been approved by the nations of the world as an international symbol. The patented design granted Mrs. Allen provides money to be used to aid all children to learn and live the Golden Rule ... Do unto others as you would want them to do unto you". The design was never adopted and the U.S. never joined the League.
This piece of Belgian lace was handmade sometime between 1914 and 1919 by Belgian women and given to President and Mrs. Wilson.
This rare piece is valued as an artwork, but also tells the story of the women creatives and makers who crafted it in the bombed-out provinces of Belgium during WWI, sometimes sitting on street corners next to piles of rubble. In survival mode needing to feed themselves and their children, collectives of women came together using the skills they had—mostly passed down through generations— to make a way out of no way, managing to demand higher pay for their talents and get their works in luxury department stores like Selfridge's in London and New York's Henri Bendel.
The design of the garden was planned as an extension of the house plan as an outdoor living room. The rectilinear form anchored by evergreens and the central water feature were typical of American landscape designs of the late 1910s. Mrs. Wilson admired The first owner of 2340 S Street, Mr. Fairbanks, was an avid gardener who worked closely with the architect and specified the plant material used. Originally from Connecticut, Mr. Fairbanks chose some perennials that could not withstand the long Washington summers. As a wealthy homeowner, he could afford a large staff of gardeners to care for the more tender perennials, lifting dahlias, replanting delphinium and dividing iris, among other tasks. The Wilsons had a much smaller income and fewer staff so many of the original plantings were soon replaced with less care intensive choices. You can see more of the Wilson House and the garden by taking one of the virtual tours listed here.
Winter Landscape is one of the three extant winter scenes by First Lady Ellen Axson Wilson. Based on comparisons with her autumn landscape compositions, these canvases were most likely painted in the winter of 1911-1912 when the family was living in Princeton on Cleveland Lane. It is possible that they may also have been painted in late 1912 after Wilson's election as President, although the pressures of the family's new status may have precluded time for Ellen to paint. See more of Ellen's work in The Art of First Lady Ellen Axson Wilson
It was quite fashionable to pay a call on the Wilsons, the first Presidential Couple to remain in Washington, D.C. after leaving office (and the only ones to do so until the Obamas). In addition to a statuette of the Princeton Tiger, the shelves display an Abyssinian scimitar, a Japanese katana and memorabilia from Wilson's trip to Europe for the Paris Peace Conference. The library was used to entertain guests in the evening as well, either with after-dinner drinks or a silent movie shown on the Graphoscope. You can still watch many of these films on YouTube: Douglas Fairbanks in Robin Hood and Tom Mix in Sky High, both from 1922 and featuring some of Wilson's favorite actors.


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Great investment property. Has a fourth room that could be use as another bedroom, office, den, etc. Large living room, has a ramp to the front door and one to the door to the main bedroom. Roof is 8 yrs old, original wood floors under carpet. Beautiful corner lot with mature trees.
I was raised on a farm in western Kansas, worked feedlots, cattle ranches and trained horses. I've lived in this area for over 40 years and ran a local business for 20+ years....I know the people, the economy, the businesses and the market. Thirty five years in customer service have taught me the most important lessons....I will LISTEN to you, return phone calls, texts, and emails, and I'll work hard to make your buying or selling experience a great one. Contact me and let us work together to find your dream home, sell your home in a timely manner or invest in the right property.
GTAR - 176939, NEOBOR - baf


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What Nomad is Doing
Due to the rapid spread of COVID-19, the medical supply chain for critical supplies has been pushed beyond capacity. In response to sudden and unprecedented need, Nomad has reprioritized our operations to provide medical supplies, like face masks, hand sanitizer,and nitrile gloves to those fighting this pandemic. We are taking orders today. Any profit from this operation will be donated to fight against COVID-19.
*We are prioritizing the Medical Community


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Discussion in 'Gaming' started by SpeedLegion, 22 Jul 2011.
I have issues of characters spinning in Borderlands and Batman AA if I have my joystick plugged in.
everyone and his wife seems to have access now apart from me
My battle log id is hallucienda
And me
3 days left in it, then a bit of a break before the BETAs arrive. It's not the end of the world
Just signed up for the BF3 newsletter!
It'll be a miracle if i get access to the alpha!
The BETA will be free to the public soon!
and me
is my baby (motion sensor) still in?
remember peeps there is an nda in force, so your not supposed to show pics, and discuss things about the game itself outside of the official forums
Grumble grumble, moan moan. One of my roommates got an alpha invite last night, spent a fair deal of time watching him play. SO JELLY!
anyone know how long the test last?
I'd still love a go on this.
I am so absolutely jealous of all you alpha players. I've got a case of beer, the house to myself and all I need is an invite so I can waste my weekend.
If you go to the bad company 2 site and hover over the "My Soldier" option in the tool bar that goes across the top you'll have an option to check your veteran status.
If anyone wants to try it out I'll gladly give you my Origin account info. It won't run on my pc.
PM me.
If only i was online 5 minutes earlier!!!!!
Looks like i'll get a shot of a mates origin account anyway as he's away all weekend, so cant complain!
damn you Phazed!
can i have a go later?
Hahahaha, if it wasn't against forum rules, should of auctioned the account off!
Haha thats the one took it out. Now i can play the game! Thanks mate.
Separate names with a comma.


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She's thought long and hard about it, and Lindsay Lohan is through with Hollywood. "I won't live in L.A. again, hell no," she tells the Observer in a lengthy interview. "My friends tell me s— when they come over I don't want to hear. I don't even know who got married and who got pregnant. You turn on the news in L.A. and it is all gossip about people. All the stuff that is going on in the world right now and this gossip is the news? I love the BBC. I haven't heard myself mentioned on TV since I have been here. That has been really weird for me, and great." So there you go. The secret to keeping Lindsay Lohan away is to constantly mention her. I'd like to take this time to announce that Ms. Lohan will feature into every single thing I write from now on.
Ahem. Also of note? Lohan seems to suggest her past issues with excessive partying that got her into so much trouble weren't really her own fault but more the fault of her friends and their lack of creativity when it came to social activities. Well, them and the paparazzi. "In L.A. I didn't know what to do apart from go out every night. That's when my friends were free. And I would go out and there would be all these cameras there and that's when it became difficult," she explains. "I can go for a run here on my own. I do every morning, early, and I think how my friends in New York would still be up partying at that time. I needed to grow up, and London is a better place for me to do that than anywhere else." Congratulations, London. She's all yours.
Follow Ned Ehrbar on Twitter: @nedrick


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This time, on Episode #81, I share my Neo Mastiff Shadrach's personal story from HIS perspective! It's a dog's eye view into natural, whole health which includes his favorite modal...
Archive for the 'ReBARKably SCENTable Canines' Category
Jul 30th, 2019
The Furry Fuel
This time, on Episode #78, I am sharing part of a message I shared with my team. Of course it includes and is centered around my former dog Shadrach. I am sharing it to encourage y...
Jul 26th, 2019
Scents-able Wellness for Pets
Evergreen content on natural dog wellness Premium Plan, DOGgone Wellness Recorded: April 30, 2014
Jan 25th, 2019
In the Heart
This Time I'm sharing how we are working through our grief in losing Schatzie. This is more of a personal sharing as well as the recipe for the essential oil blend I use to help al...
Dec 4th, 2018
Shadrach the Neo Mastiff...Nuthin' But the Dog in Him!
This time I share the story of THE most special dog named Shadrach. He came to me at a very difficult time as you'll learn during the Christmas holidays. I'm hoping you'll learn wh...
Oct 30th, 2018
Oily Dogs
This week I'm on a sort of weird and my long way of sharing the simple truths in nature...and social media lol. And do me a favor please and listen to the end, it may be of benefit...


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Dates :Thursday April 16th, 2020 - Friday April 17th, 2020
Location :Holiday Inn Amsterdam – Arena Towers Hoogoorddreef 66a, 1101 BE Amsterdam, NL
1019 Amsterdam, Netherlands
Type :Conference & Seminar - International audience
Accreditation :--
Further information
Join a Global network of Pediatricians and Experts from USA, Australia, Europe, Asia, Africa at International Conference on Pediatric Healthcare, Pediatric Congress, Childcare events, Neonatology meetings held during April 16-17, 2020 at Amsterdam, Netherlands.
The main aim of Pediatric Healthcare 2020 is to distribute information on all scientific ground and social aspects related to pediatric issues and neonatal care.
Pediatric Healthcare 2020 to be held at Amsterdam, Netherlands amid April 16-17, 2020. This International Conference on Pediatrics & Pediatric Care is a unique platform to share the knowledge on current research. The main aim of Pediatric Healthcare 2020 is to discuss the recent approaches/advancements and challenges faced in relevant to child healthcare and medicine. Without a doubt the member at this Pediatric Healthcare Conference will have the capacity to trade with the best specialists in the strength and will return home with the broad learning.
Holiday Inn Amsterdam – Arena Towers Hoogoorddreef 66a, 1101 BE Amsterdam, NL
1019 Amsterdam
tel : +442039363178
Map and directions
Further information
Conference Series LLC Ltd Conferences gaining more Readers and Visitors Conference Series LLC Ltd Web Metrics at a Glance 3000+ Global Events 25 Million+ Visitors 25000+ unique visitors per conference 70000+ page views for every individual conference Unique Opportunity! Online visibility to the Speakers and Experts
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To display announcer website, download the booklet or brochure, obtain a letter of invitation, you must be logged


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This is book number 1 in the The Colors of Madeleine series.
Madeline, 14, lives in an attic flat in Cambridge and is dealing with sudden (comparative) poverty and her mother's odd breaks with reality. Elliot, 15, lives in the kingdom of Cello, a world which could seem almost unbearably pleasant and small-town and kind except for its very weird and color-filled edges—colors attack, seasons roam unpredictably. The two teenagers communicate between their worlds. Isaac Newton, color theory, and the laws of physics, of course, are epistolarily discussed as Elliot inserts a letter into a crack in a concrete sculpture on the school grounds in Cello and Madeline sees the corner of white poking out from the foot of a parking meter in Cambridge. Clever, quirky, charming, comic, sad—you know the list, but this is unlike anything else out there. Grades 7–11.— Ga


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By Randy Vogt
In my last article, I wrote about some highs and lows in officiating thousands of soccer games. My game count is now above 9,950 so if I continue my current pace, barring a tragedy or serious injury, I would officiate my 10,000th game in the next couple of months.
I thought about what I should do for this milestone game. Should I invite rock band 10,000 Maniacs to sing the national anthem? Should the game be played in Minnesota, a state where I have never officiated but known by its slogan of the Land of 10,000 Lakes? No, I decided that this milestone game would simply be whatever I am assigned and I would treat this game like any other and not do anything special.
With one exception, as in commemoration of this milestone game, I have donated $10,000 to the U.S. Soccer Foundation, a dollar for every game that I have officiated. This is by far the most I have ever donated to any non-profit and, knowing that my 10,000th game would arrive one day God-willing, I was saving up money for years, particularly regarding money I give to non-profits, so I could make this donation.
For those Soccer Americans not familiar with the U.S. Soccer Foundation, since its founding in the World Cup year of 1994, this non-profit organization has supported programs and field-building projects that provide youth in underserved communities with soccer programs that promote education, healthy lifestyles and leadership. Through its programs, the Foundation helps children succeed both on and off the field. The Foundation's cost-effective, high-impact initiatives offer safe environments where kids and communities thrive by using soccer as a vehicle for social change. By increasing access to quality soccer programs and safe playing spaces to all kids, the Foundation is growing the game across the country.
It's quite likely that future U.S. national team players will grow up playing on fields funded by the U.S. Soccer Foundation.
While my $10,000 donation to the U.S. Soccer Foundation is nice, I see this wonderful organization receiving much more than this amount for my milestone game. Just as a person running a 5K or 10K race is looking for sponsors, I'm looking for Soccer Americans and others to help out, and see this more as a team effort. After all, my 10K was nearly four decades in the making and it's a 10K for soccer fans.
Since I will have run tens of thousands of miles and traveled hundreds of thousands of miles in officiating what will soon be 10,000 games, I'm asking Soccer Americans to donate too. For all those who have enjoyed reading this referee column in Soccer America during the past several years, liked "Preventive Officiating" or had me officiate one of their games, I'm asking you to consider sending a tax-deductible donation made out to the U.S. Soccer Foundation, sending to U.S. Soccer Foundation, 1211 Connecticut Ave., NW, Suite 500, Washington, DC 20036, Re: Ref Randy 10K. Please put Ref Randy 10K in the memo section of the check so it can be tracked.
You can also donate through this fundraising page.
Your donation would help grow the game in the United States while serving as an invaluable weapon against gangs, drugs and obesity.
For those who donate $50 or more to the U.S. Soccer Foundation, I will gladly send a free, autographed copy of "Preventive Officiating" to your address. I'll take your word for the donation as you need not send me proof and you can contact me about your donation by clicking HERE.
(Randy Vogt, the author of "Preventive Officiating," has officiated over 9,950 games with his milestone 10,000th game coming up. He has donated $10,000 -- a dollar for every game -- to the U.S. Soccer Foundation and he is asking Soccer Americans to consider making a contribution as well.)
Congratulations Randy, that is a beautiful way to mark your 10,000th game. I've been meaning to post something on one of your articles hoping that you'd consider writing about it in the future. The issue is the role that referees play in player development. You've written about player development and the style of soccer that you witness as a referee as being the most beneficial for that development. I'd like for you to consider how the style of game a referee calls impacts player development. IMHO, too many referees are infatuated with the "let them play" style of officiating. They call the game like it was an EPL derby, allowing holding, arms-out pushing, questionable slide tackles, etc. Whenever a game is called like this, players at the level I coach (low-mid club teams) respond by playing more physically and the result is that the technical aspects of the game go right out the window. The game devolves into a direct style, if I'm being kind, more like chip-and-chase really, because it's the only way players can free themselves from all of that contact and get time on the ball to make a good technical decision. When referees call a much tighter game and adhere more closely to the Laws rather than what they see on Saturday's EPL game, players respond with more passing, more possession, combination play and overall higher levels of technical skill. If you ask me, and nobody has, one of the major impediments to youth development in the US is the "let them play" referee. I'd like to hear your thoughts on this.
Good point Mark. Sometimes the "let them play" mantra is really "let them foul", and if one team does it, it is really hard for the other team not to do so.
Any athlete will push the boundaries in a competitive situation, so we can't blame the players or coaches for this situation. It is all on the referees.
Well done. I think that's known as "giving back to the game". I have also given to the US Soccer Fdn, and have seen the work they've done in the Pgh region (built turf fields that are heavily used), so I can testify to the value of your support.


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Editing Grown Ups 3 0 You do not have permission to edit this page, for the following reasons: The action you have requested is limited to users in one of the groups: Autoconfirmed users, FANDOM Staff, FANDOM Helpers, Wiki Managers, Content Team Members. Please log in to edit this wiki.Joining Idea Wiki is free, and it only takes a minute.We hope that you sign in, and become a member of the community!Click here to log in or create an account more + You can view and copy the source of this page: yeeeeeah boy ==Plot== Five years after the events of "Grown Ups 2", Lenny (Adam Sandler), Kurt (Chris Rock), Eric (Kevin James) and Marcus (David Spade) reunite with their old friend Rob (Rob Schneider) at a nightclub. They reveal to each other of where they have been after all this time. Rob reveals that he's been away because of a certain job he's kept a secret, and has saved up a good amount of money to take Lenny, Kurt, Eric, Marcus and their families on a cruise with him and his family in Russia. Lenny, Kurt, Eric and Marcus all agree to go, as a vacation from all these hijinks is needed. After an underwear paragliding stunt attempted by Eric goes awry, a Cold War era weapon referred to as the "Dead Hand" is accidentally detonated. The cruise is sucked into a whirlpool caused by climate change, and is destroyed in the process. The debris is ejected onto the nearby shores in the wake of the newly caused World War III, leaving sole survivors Lenny, Kurt and Marcus to take refuge in an abandoned underground lab. After a formaldehyde beer pong stunt goes awry, several lab projects are destroyed or released. Among them are prehistoric pods which release spores that are ingested by Kurt after a chocolate bar fart gag goes awry. This leaves him in a catatonic state which causes him to see visions of the moon and sun crashing into each other, and bugs crawling on his skin. Lenny and Marcus soon learn that they both have little time left alive, and must burn down the lab with Soviet era flamethrowers as the Talking Heads song "Burning Down The House" plays. Lenny is raptured in the process, leaving Marcus to escape the lab into the dark depths of the new world to search for more survivors. In a post-credits scene its revealed that Rob's elusive career is being the host of a shortwave radio station. He manages to contact Marcus who has found peace with a new tribe to tell him that this is just the beginning. Marcus tells him that he knows, revealing the whole tribe to have spears laced with nitroglycerin pipe bombs. ==Cast== * [[Adam Sandler]] as Lenny Feder * [[Kevin James]] as Eric Lamonsoff * [[Chris Rock]] as Kurt McKenzie * [[David Spade]] as Marcus Higgins * [[Rob Schneider]] as Rob Hilliard * [[Ray Lake]] as Hitler Lookalike * [[Salma Hayek]] as Roxanne Feder (cameo) * [[Mario Bella]] as Sally Lamonsoff (cameo) * [[Maya Rudolph]] as Deanne McKenzie (cameo) * [[Joyce Van Patten]] as Gloria Hilliard (cameo) * [[Steve Buscemi]] as Wiley (cameo) * [[Colin Quinn]] as Dickie Bailey (cameo) * [[Tim Meadows]] as Malcolm (cameo) * [[Cheri Oteri]] as Penny (cameo) * [[Madison Riley]], [[Jamie Chung]] and [[Ashley Loren]] as Jasmine, Amber and Bridget Hilliard * [[Jake Goldberg]] as Greg Feder * [[Cameron Boyce]] as Keithie Feder * [[Alexys Nicole Sanchez]] as Becky Feder * [[Ada Nicole Sanger]] as Donna Lamonsoff * [[Frank Gingerich]] as Bean Lamonsoff * [[Nadji Jeter]] as Andre McKenzie * [[China Anne Mclain]] as Charlotte McKenzie * [[Nick Swardson]] as Nick Hilliard * [[Shaquille O'Neal]] as Officer Fluzoo * [[Peter Dante]] as Officer Dante * [[Alexander Ludwig]] as Braden Higgins * [[Terry Crews]] (tribe member) * [[Leslie Jones]] (tribe member) * [[Seth MacFarlane]] (tribe member) * [[Charlie Day]] (tribe member) * [[Keegan Michael Key]] (tribe member) * [[Jordan Peele]] (tribe member) * [[Kristen Wiig]] (tribe member) * [[Josh Gad]] (tribe member) * [[Jeff Dunham]] (tribe member) * [[Kathy Bates]] (tribe member) * [[Tony Cox]] (tribe member) ==Rating== R for Crude & Sexual Humor, Monster Violence, Strong Language, and Heavy Drug Use == Trivia == *Seth MacFarlane's studio Fuzzy Door Productions assisted in the development of the film, making the CGI animation for the underwear paragliding stunt. ON BLU-RAY & DVD SOUNDTRACK ON LEGACY RECORDS SCORE ALBUM ON BACK LOT MUSIC VILLAGE ROADSHOW PICTURES ORIGINAL FILM [[File:100px-Sony Pictures Home Entertainment logo.svg.png]] [[File:Columbia-pictures-new-logo2015.png]] == Opening Credits ==  [[File:Sony-Logo.png|center|thumb]] [[File:Columbia Pictures A Sony Company Logo.png|center|thumb]] [[File:Vrp jgm.png|center|thumb]] [[File:OriginalFilm.jpeg|center|thumb]] [[File:Scholastic Books.jpg|center|thumb]] == Closing Credits ==  [[File:Sony Pictures Imageworks logo.svg|center|thumb]] SOUNDTRACK ON LEGACY RECORDS SCORE ALBUM ON BACK LOT MUSIC FILMED WITH
[[File:1280px-Panavision logo svg.png|center|thumb]]
'''CAMERAS AND LENSES'''
 NO. 45570 {| | align="center | [[File:MPAA.png|center|thumb]] |} {| | align="center | [[File:Dolby Digital 2007.png|center|thumb]] | align="center | [[File:Auro 11.1 by barco logo.png|center|thumb]] | align="center | [[File:SDDS The East.png|center|thumb]] |} [[File:Agreenerworld share.jpg|center|thumb]] THE SUSTAINABLE MAINS A DIFFERENCE. [[File:2000px-Sony logo.svg-0.png|center|thumb]] [[File:A Columbia Pictures Release.png|center|thumb]]  Return to Grown Ups 3. Retrieved from "https://ideas.fandom.com/wiki/Grown_Ups_3" Edit summary Preview Mobile Desktop Show changes


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Lenawee County residents may have noticed a weird smell… and have seen the smoke… as a result of the scrap metal pile fire at Metal X in Delta, Ohio.
The Lenawee County Alerts system sent out a message early Tuesday afternoon stating that the fumes are not toxic.
Here is the text message sent out by the alert system:
Fire Departments from southern and central Lenawee County have been on scene fighting the fire since Monday evening.
Tune into our local and state newscasts, anytime day or night, for this story and more.
#wlenradio #wlennews #lenaweenews


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The below bootleg even has Joni another song about a rock leading man, this time it follows 'For Free' and it's 'The Circle Game' and the moody attitude of Neil Young. "There was a friend of mine who had just left a rock and roll band to become a folk singer" she goes on that Young had felt over the hill after the age of 21. It all adds up to a quite wonderful afternoon listen.
~ Far Out Magazine
Source: Joni Mitchell and James Taylor's performance for John Peel


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TITLE: Physiotherapist (PT)
Duty base: ADEN
Ref: YEME/HR/2020/PROG/PT/Aden
Project: HI Health and Inclusion projects in Yemen
Handicap International is an independent and impartial international aid organization working in situations of poverty and exclusion, conflict and disaster. Working alongside persons with disabilities and other vulnerable groups, our action and testimony are focused on responding to their essential needs, improving their living conditions and promoting respect for their dignity and their fundamental rights.
Handicap International is a not-for-profit organization with no religious or political affiliation. It operates as a federation made up of a network of associations that provide it with human and financial resources, manage its projects and implement its actions and social mission. For more details on the association: www.hi.org
Under the direct responsibility of the Project Officer, Physiotherapist will: Support, and implement physical and functional rehabilitation activities of the HI project(s) for the targeted population. He/she will be working to support physiotherapists and/or physiotherapist assistants or other medical staff and patients within external health facilities to ensure the provision and quality of Physiotherapist services in the health facilities supported by Handicap International.
The Physiotherapist will work in the health facilities o/and through a mobile team in the different health facilities within the HI targeted area of Yemen.
Line manager: Project Officer
Technical Line manager+1: Field Technical Advisor-physiotherapist (FTA)
Team Managed: None
Strong functional link with: other Physiotherapist, PSS colleagues, case manager.
Responsibilities when HI does direct implementation of Physiotherapist activities
Assess functional capacities of the beneficiaries and identify their needs in terms of Physiotherapist and assistive devices:
· Undertake a Physiotherapist assessment of the potential beneficiary
· According to the outcomes of the assessment of the beneficiaries' needs (taking into account her/his daily activities, the participation of her/his caregiver, etc…), develop an appropriate intervention and a plan of treatment as possible
· Report your suggested intervention and plan of treatment via the assessment form
Offer secure and appropriate Physiotherapist interventions
· Inform the beneficiary and the caregiver of the importance of the Physiotherapist to improve the physical situation and the different steps to follow in order to achieve it
· Provide Physiotherapist care according to the guidelines of HI's emergency Physiotherapist interventions
· Offer Physiotherapist services based on the defined objectives between the beneficiary, the caregiver and you
· Review the most recent information on the beneficiary's evolution before starting a treatment session and adapt your treatment or ask for technical advice from your supervisor when needed
· Ensure the security of the beneficiary during the Physiotherapist sessions and take into account contra indications and precautions related to diverse illness, problems and medical treatments. Ask for a medical advice if needed.
· Provide advices and train the beneficiary and the caregivers on the basic exercises that the beneficiary can do on his/her own or with support from caregivers on the way to prevent disabilities or disabling complications
Provide assistive devices and splints/other items when needed, as per HI guidelines
· Identify the beneficiary's needs in terms of assistive devices and/or splints, etc
· Ensure that the device is adapted to the beneficiary and provide clear explanations to guarantee its proper use and maintenance.
· Ensure a proper follow up of the use of the device
Report data, follow-up cases and organize daily and weekly activities
· Complete the Sessions Follow-up form after each intervention done on a beneficiary
· Close follow-up of individual and familial cases to ensure a quality follow-up of all the beneficiaries,
Responsibilities when HI does indirect implementation of Physiotherapist activities
Ensuring the technical support to the Physiotherapist/medical staff of the health facilities supported for the different steps of beneficiaries' flow in close collaboration with other Physiotherapist process stakeholders (psycho-social workers, etc.):
· Ensuring regular on the job coaching to the Physiotherapist/medical staff according to the needs identified by the project according to the guidelines and report the activities executed under on the job coaching;
· Ensuring a regular Technical support of the physiotherapists/Physiotherapist workers through field visits and technical follow-up in order to ensure the quality of the Physiotherapist activities delivered
· Providing technical guidance to Physiotherapist staff at each step of Physiotherapist process: assessment, provision of service, donation, training and advice provided to caregivers, use and implementation of various tools
Support the setting up of activities with identified partners
· Provide a technical support to the partners to develop adapted Physiotherapist activities for beneficiaries
· Ensure a proactive presence in the planning with the partner and during the activities
· Monitor the activities from a technical point of view
To build partners' member's capacities (in assessing the needs of people in terms of Physiotherapist, mobility aids, assistive devices, occupational activities in close collaboration with FTA Physiotherapist):
· Provide technical advices and on the job training for nurses, medical staff and Physiotherapist staff on areas of technical practices where gap has been identified
· Develop Technical tools for Physiotherapist or any support for team's and partner
Supporting the Physiotherapist Field Advisor and the PSS Field Advisor in the delivery of quality comprehensive rehabilitation services at health facilities supported by HI
· If needed, participation and co-facilitation of beneficiary group sessions in close collaboration with the PSS team
· Facilitating awareness session in collaboration with HI's PSS team to support beneficiaries and caregivers to directly participate in Physiotherapist of themselves/their kin after discharge
Participating in the monitoring and evaluation of project activities
· Collecting data as per the framework defined by the Field Technical Advisor and/or the Project Manager
· Identification and analysis of project good practice and lessons learned to be incorporated in the development of new projects
· Reporting weekly to Project officer or, in his/her absence, the Project Manager, about activities done in compliance with M&E tools
· Participating in lessons learned analysis and tools adjustment
· Suggesting any potential areas of intervention based on observation as a result of doing your work
· Provide a handover/end of mission report
Participate in the analysis and reporting of global issues in the conflict affected population
· In formal and informal meetings with the team, participate in the analysis of the different kinds of issues, at individual, familial and community level
· Participate to report with the tools and the internal system all issues identified
· Be part of a constructive holistic team work to develop a quality analysis and response for vulnerable persons
· Respect beneficiary confidentiality.
· Address needs and requests in a professional way.
· Report any incident or act that causes any harm to beneficiary or to others.
· Always interact with children with the presence of their parents or caregivers
· Always ask the permission to touch or to apply any treatment or maneuvers to someone.
· Always respect a refusal of treatment.
· Show abilities and competences to execute an efficient rehabilitation intervention.
· The position requires a very high level of flexibility and is subject to evolve in order to respond to additional tasks or changes as identified by the line manager.
· Bachelor's Degree in Physiotherapy.
· At least 2 years' experience in providing physiotherapy treatment.
Preferred competence and skills:
· Projects related to emergency rehabilitation with NGO/INGO preferably in emergency context
· Experience in coaching physiotherapists and medical staff
· Strong technical skills in functional Rehabilitation
· Global Knowledge on emergency functional rehabilitation is desirable
· English language skill
· Ability to work under pressure with a high level of personal organization and flexibility
· Strong communication and reporting skills
· Commitment to humanitarian principles and to HI's mandate
· Strong interpersonal and intercultural skills
· Proactive, hardworking and conscientious
· Strong organizational skills
· Travel in and around Sana'a and Mokha or any other governorates to provide rehabilitation services as may be required.
· On occasion, stay overnight outside of Aden City (where operations are presently based) as field movement requires.
Note: This job description must remain flexible, to respond to additional tasks or changes as identified by the line manager.
Note that working time can go up to 48 hours per week (according to the Yemen labour law) if it is required by the volume of activities and by the line manager.
HI's Yemen mission implements activities in a sensitive environment regarding the safety and security of Handicap International staff and assets. Handicap International employees commit to observe the utmost respect of personal and professional ethics, to adhere to the humanitarian principles of neutrality and impartiality, and to ensure necessary levels of discretion are used within and outside working space. Not respecting this clause could lead to disciplinary action and/or to immediate dismissal as a result.
Any breach of the above mentioned responsibilities, of the Internal Regulations or of the Terms and Conditions of Engagement may be sanctioned by a written warning or immediate dismissal, if appropriate.
Job Conditions
· The salary will be defined according to HI's existing salary scale
· Based in Aden, with frequent movements to the field
· 30 day leave/year + benefits (transport allowance, health insurance, life insurance)
· The working hours are the following: 8:00 to 16:30 (with 30 minutes lunch break) from Sunday to Thursday.
· Note that working time can go up to 48 hours per week (according to the Yemen labor law) if it is required by the volume of activities and by the line manager.
How to Apply
Interested candidates may
please send their CV with cover letter in English, with the reference
in the email subject: YEME/HR/2020/PROG/PT/ADEN+ Applicant full name
Deadline for applications is 11:30 pm on (Wednesday 23rd September 2020)
· Please address all applications to: email@example.com
· Please note that only shortlisted candidates will be contacted.
Handicap International, is committed to diversity and inclusion within its workforce, and encourages qualified female and male candidates, including persons living with disabilities, to apply to become a part of our organization. Please note that only shortlisted candidates will be contacted.