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Camile Bag with Chain Strap
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Intricately woven palm with tulle lining. Made in Colombia. Measures approx 7.5"W x 7"H x 4.5"D. Acetate handles measure approx 14" in length with a 3.5" drop. Detachable acetate chain link shoulder strap measures approx 40" in length. Toggle top closure. Interior mesh pouch with drawstring closure. Our Style No. STCH-WY8. Manufacturer Style No. 7701227005146.
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No Pmi Loans With 10 Down
Mortgage Insurance, or PMI, is what you pay to protect the bank (not you!) for having a mortgage and not having 20% of a down payment or equity. You also have to pay PMI if you have an FHA loan. To make it clear: you will pay several hundred additional dollars per month in insurance which gives you no benefits.
Real Estate Pre Approval Pre-Approval – Mortgage Terms – Real Estate Broker – The lender's commitment under a pre-approval is usually expressed in terms of the monthly mortgage payment that the prospective buyer has the income to meet. Converting the mortgage payment into a loan amount requires an assumption regarding the interest rate, which is not known at the time of the pre-approval.
Most loans require private mortgage insurance (pmi) when a down payment is less than. Also note that if you're putting down less than 10 percent, the second. Some jumbos allow for less than 20 percent down with no mortgage insurance.
Fha With Bad Credit FHA loans offer lower credit score requirements, plus a low 3.5% down payment option. Those with credit challenges, prior bankruptcy or a formerly foreclosed home may still qualify for an FHA loan, as long as they meet the minimum credit score, seasoning timeline, and other program credit and collateral eligibility requirements.
Instead, if you get your FHA loan today, and have a down payment of less than 10%. fha mortgage insurance is to refinance. If you refinance your property with a different lender, you no.
Mortgage Options for Low Down Payment – Zillow Porchlight – 10-percent down jumbo loan with no mortgage insurance. paradoxically, lower loan amounts require second mortgages to avoid mortgage insurance, but "jumbo" loans greater than the $417,000 Fannie/Freddie loan cap can be a single loan up to 90 percent of a home's value.
Finally, as part of the transaction, you put down the final 10%, or $20,000. By splitting up the loans, you may be able to deduct the interest on both of them and avoid PMI altogether. Of course,
A no down payment mortgage allows homebuyers to purchase a house without requiring any cash for a down payment. There are a few no down payment home loan programs, as well as several low down mortgage options available to borrowers in 2017. Government Mortgage Programs with No Money Down. Government-backed loans such as FHA, USDA, and VA.
No PMI Loans – Don't Pay Mortgage Insurance – PMI stands for "private mortgage insurance" and thus a "no PMI mortgage" is a home loan without being required to pay mortgage insurance monthly. A popular way to avoid PMI is to bring at least a 10% down payment. Rather than getting one 90% mortgage, you will get two mortgages that have.
We have a new loan product that I am very excited about, it is a Conventional Loan Product With Only 10% Down Payment And NO PMI.. Yes you heard that correctly only 10% down and NO Private Mortgage Insurance (PMI).. Now before anyone says the other 10.


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NORTON, Mass. - Five former scholar-athletes, a legendary two-sport head coach and the first Wheaton baseball team to advance to the Division III World Series championship game will be honored induction into the Wheaton College Athletics Yowell Hall of Fame induction ceremony this fall. The class of 2019 will be formally inducted on Friday, October 25 in Wheaton's Chase Dining Hall with the event beginning at 6 p.m.
The members of the class are Randi Carine '97, Angela Mullins '00, Tenille Johnson '01, Rob Tyson '01, and Barrett Roberts '07, in addition to the 2006 baseball team and former softball and volleyball coach Gina Loudenburg.
"We are very excited to honor these 2019 Hall of Fame Inductees and welcome them back to campus for this celebration as it kicks off our Fall Fest Weekend!" said Vice President for Student Affairs and Dean of Students/Athletics Direct Report Kate McCaffrey.
The Yowell Hall of Fame was created to honor and give lasting recognition to those individuals who—through participation, support or interest—have made outstanding contributions to the Wheaton College athletics as well as sports and society. The individuals and teams enshrined have not only brought recognition, honor, distinction, and excellence to Wheaton and its intercollegiate athletics program, but they also have continued to demonstrate in their lives the values imparted by intercollegiate athletics.
About the Honorees:
Randi Carine '97
Angela Mullins '00
Tenille Johnson '01
Rob Tyson '01
Barrett Roberts '07
2006 Baseball Team
Coach Gina Loudenburg
Past Inductees:
Class of 2013
Class of 2015
Class of 2017


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ClassFlow Webinar: Creating Just Got Easier
November 9, 2017 @ 6:00 pm - 7:00 pm EST
ClassFlow Webinar: Creating Just Got Easier
Digital resources, actions with less clicks and activities to create interactive content.
Register for the entire series and get reminders for each session.
FREE #learnclassflow webinar - Creating Just Got Easier - http://bit.ly/2x8wcK6 Click To Tweet
Be sure the sign up for your FREE ClassFlow account at ClassFlow.com.


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Utilizing Fb Fan Pages to Seize Contact Data
Using seize or squeeze pages for viral record constructing and lead era is acquainted to most individuals who browse the net commonly, however the usage of a Fb fan web page (or enterprise web page) to seize customer info is simply beginning to "catch on." Using social media generally has taken off at a staggering charge and has ushered in social advertising and marketing with it. A Fb fan web page, when used accurately, is an integral part and provides some super benefits over conventional seize pages for list-building and lead era. With Fb exploding to now properly over 750,000,000 folks, the viral energy to increase your site visitors many instances over, larger conversion and the very best accuracy doable makes a Fb seize web page the superior different to conventional seize pages search facebook by phone number.
A Good Seize Web page Affords Worth
An excellent seize web page provides some kind of incentive in trade for guests typing their title and e mail right into a kind, basically "opting in" and giving permission to obtain emails and even to be contacted by telephone. Clearly, the motivation must be one thing of worth so as to attract the fitting folks, but it surely needn't be one thing of excessive financial worth. In truth, in lots of instances the motivation is solely offering on-line info and/or coaching and is both delivered by way of e mail, like an "e-book," as an example, or in lots of instances offering a hyperlink to a web site with movies and hyperlinks to different invaluable assets. One of these lead-capture system requires a graphic-rich supply web page with the power to seize the data after which cross the customer on into the vacation spot web page, the place the sale, or "conversion" course of continues. The method of changing a customer to a paying buyer typically takes time – like a courtship the place you develop belief over time and interact in an ongoing dialogue, all whereas offering ongoing worth.
Why Construct a Checklist?
The obvious reply as to why you'd construct a listing is to promote somebody one thing, however the good entrepreneurs aren't essentially on the lookout for simply the instant, one-time sale. They need to develop a big following to which they'll present services and products over an ongoing time period, so it's important that they nurture and domesticate the record by repeatedly offering worth – a "win-win" scenario for each events.
Driving Site visitors
The right way to drive site visitors to a seize web page is a big matter and there are lots of methods to take action together with web optimization (search engine marketing), e mail campaigns, and now via the very highly effective new world of social media and social advertising and marketing. Companies are aggressively driving site visitors using many of those completely different strategies and we'll check out how they'll get probably the most out of their efforts and out of their promoting .
What's a Fb Fan Web page?
Fb fan pages, sometimes called enterprise pages, are pages the place companies are capable of promote themselves on Fb. Conversely, Fb's private profiles are meant for use for non-commercial, social networking solely. The place people on Fb gather "buddies", fan pages gather "likes" as they set up a following.
Why do Companies Should be on Fb?
Merely put – as a result of that's the place the individuals are! With over 750,000,000 million customers and most of them logging in a number of instances per day, Fb already has extra site visitors than Google. Already, 83% of companies are utilizing Fb not directly as a result of they know they should have a presence on Fb. Because the saying goes, "put your bait the place the fish are" – and they're on Fb!


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The current furor over the grade change, calls into question the conduct and competence of the chief administrative officer of the APS.
The community is really upset. Talk radio, for two days now, has heard nothing but the rage this community feels for the leadership of the APS. I can honestly tell you that I have not heard one single caller voice any support for the leadership of the APS. Callers are actually demanding that Beth Everitt resign or be fired.
The blessing in disguise? It is diverting attention from her refusal to surrender public records of the public corruption and criminal conspiracy in the administration of the APS Police Department; and by logical extension, the public corruption and criminal conspiracy in her administration in general.
Refusing to comply with the requirements of the New Mexico Inspection of Public Records Act, is criminal behavior. The defense, the escape from accountability even to the law, will be litigation underwritten financially, by taxpayers.
Public officials intend to use public resources to escape accountability for their (mis)conduct and (in)competence as public servants; by litigating against the public interests.
Anything you can do to keep that out of the headlines;
is a relatively good thing.
Even a nonsensical Chinese fire drill for principals;
even allowing the privileged to exercise their privilege
of changing their kid's grade.
Unclear at this point; what do the anonymous decision makers at the Journal and Trib gain by refusing to investigate or report upon APS' refusal to surrender public records; records of public corruption and criminal conspiracy?
I struggle. I can think of no ethical justification.
Wednesday, May 16, 2007
"gradegate"; a blessing in disguise?
The current furor over the grade change, calls into question the conduct and competence of the chief administrative officer of the APS.
Posted by ched macquigg at 7:46 AM


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Prep softball: Eagles edge Vikings, Bluejays top Purgolders
ORFORDVILLE — Brittney Mengel hit a 2-out, 2-RBI double as the Jefferson softball team scored three runs in the fourth to beat host Orfordville Park 3-2 in a nonconference game on Friday.
Claire Beck struck out four, allowing four hits and two earned. She walked one and pitched all four innings.
Jefferson's other run in the fourth came via error. Callie Schnitger had a first-inning single for the Eagles' other hit.
Second-seeded Jefferson (22-3) hosts seventh-seeded East Troy on Tuesday in a WIAA Division 2 regional semifinal game. The game at Riverfront Park starts at 5 p.m.
Jefferson 000 3 — 3 2 0
Parkview 200 0 — 2 4 5
WP: Beck
LP: Stark
Pitching (ip-h-er-bb-so) — J, Beck 4-4-2-1-4; P, Stark 4-2-0-0-7
Leading hitters — None
2B: Mengel (J); Stark (P)
JOHNSON CREEK — Brooke Joseph was 2-for-4 and freshman Lexi Swanson pitched five innings to earn the decision as the Johnson Creek softball team beat visiting Madison East 9-7 in a nonconference game on Friday.
The Bluejays (18-3) scored five in the second to go ahead 7-2. Jordyn Pipkin had a run-scoring double before Rylie Thomas singled her home. Thomas scored on a wild pitch and Kaylee Jablonski and Joseph had RBI singles, making it 7-2.
Swanson pitched five innings, striking out one and allowing 10 hits. Bella Herman struck out three and allowed two earned in two relief innings.
"Freshman Lexi Swanson pitched a great beginning and we didn't give her the defense she needed," Johnson Creek softball coach Kassidy Lemminger said. "Bella finished strong for us."
Thomas and Amaya Wilson each had two base knocks.
Second-seeded Johnson Creek hosts seventh-seeded Waterloo in a WIAA Division 4 regional semifinal game on Tuesday. The contest at Centennial Park starts at 5 p.m.
Madison East 200 041 0 — 7 12 2
Johnson Creek 115 101 X — 9 9 0
WP: Swanson
LP: Gunter
Pitching (ip-h-er-bb-so) — ME, Gunter 2-5-5-3-2, Sniadach 2-1-1-2-5; JC, Swanson 5-10-6-1-1, Herman 2-2-1-0-3
Leading hitters — Mitchell (ME) 2x4, Gunter (ME) 3x4, Langham-Oliver (ME) 2x4, Sniadach (ME) 2x3, 2B; Thomas (JC) 2x3, 2B, Joseph (JC) 2x4, Wilson (JC) 2x3
2B: Pipkin (JC)


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I just love 'em!!!!
We took Abby and Molly swimming with our friends two labs Zoey (4 month old yellow girl) and Onyx (5 year old black girl) and did some water retrives and keep away. Then we took them up to the big soccer field for some running around and drying off. Everyone had a blast and they're all pretty worn out ;D I love my tired happy labs.
Ding Dong me forgot to take the camera so no pics tis time around But fret not for tomorrow is another day....only we're not swimming tomorrow lol
~Abby, Molly, and Penny (the honorary lab)
What!!! no pics of the babies
I took Beau swimming this morning...he is crashed on the floor
well, where are your pics huuuuuuuh???lol
~Abby, Molly, and Penny (the honorary lab)
LOL.....Still working on uploading 8) 8)
Yup a tired lab is a happy home! ;D
Karen, Mom to the Lab Monkeys:
Daisy DoBug YL 7 yr old
Kiana YL 5/2006
Piglet 4/2006 Lab @ Heart
Liberty 7/2/2009
**Bella Mia 5 yo (RIP~2/07)**
*Molly Blu 2.5 yr old (RIP~7/06)*
LOLIN.ORG Saving one lab at a time.


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Student dies unexpectedly
Alejandra Fraga
March 30, 2018
Kyle LaForce, a 20-year-old student in the mechanical engineering department died Tuesday night. LaForce was part of the Lambda Chi Alpha Fraternity and a graduate of Pleasant Valley High School. A GoFund me page was created by his fraternity brothers to help with the expenses, the page reads. "Our...


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5 star hotels in Tabriz
El Goli Street Opp. Park El Goli, Tabriz, Iran
Tabriz, 9.6 km from the city centre. El Goli Street Opp. Park El Goli See on map
It is recommended and worth what is being paid for, very suitable for families and business travellers,very much recommended one.
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What You Need to Know Before Buying Spy App?
Buy Spy App
Neubee Asked on November 13, 2019 in Business.
I have tried a bunch of apps and filtered out some that work better than others. A mobile phone Spy app serves you based on what you need to know and who it is that you want to spy on. Thus, before you download that phone spy app, be sure to assess your need before you settle for one. Still, there is always the better one among the apps that are dedicated to specific functions. The monitoring software only meant to give you a general direction. Of course, your needs will be the central determinant of what you settle for. The mobile phone tracking applications are listed by such features as the performance of the software, monitoring features, credibility of programs, validity period, customer support and pricing dynamics.


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Save 10% on all orders at Bunches.co.uk ExpiredFound: 24th Oct 2016
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Expires: Tuesday 1st November 2016
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text: The two readings for this week were quite informative and important. The reading on the 'Counter conducts in South Africa: Power, Government and Dissent at the World Summit' by Carl Death wouldn't have come at better time than this. With the wake of the Xenophobia fighting in South Africa today, I find the reading to be very important. The content on the various protest happening in South Africa against immigrants is very important and in the context of this reading. However, I have used the reading by Costas Douzinas on 'The "Right to the Event"The Legality and Morality of Revolution and Resistance' for my concept diary.


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Compositions by Frank Zappa
Text by Heikki Poroila
Front cover painting by Eevariitta Poroila
All other drawings by Marko Nakari
Honkakirja ISBN 978-952-68711-2-7
Version: 1.0 (October 28, 2017)
(Versio 2.0 to be released in June 2020 – and this is not a Gail Zappa promise! As soon as the The Mothers 1970 is in my hands…)
Non-commercial use, copying, downloading, sharing and linking of this publication for free is fine as long as the author and source are mentioned. The information needs to be free.
E-mail for contact & corrections firstname.lastname@example.com.
Thanks to the The Finnish Library Foundation for economical support.
"Today's catalog compiler refuses to die – or at least slow down."
Errata – found errors, which will be corrected sooner or later.
Drawings by Marko Nakari


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Home Ownership and Tax Deduction
Updated: Apr 1, 2019
A common question we receive is whether or not there are tax deductions available through owning a home. However, before listing some of the tax benefits, it's important to first explain what a tax deduction is. A tax deduction decreases your taxable income, which, in turn, decreases the amount of tax you owe the federal government. For example, if you made $80,000 in taxable income, a $10,000 tax deduction would reduce your taxable income to $70,000 ($80,000 - $10,000 = $70,000). If you were in the 22% tax bracket, a $10,000 tax deduction would result in a $2,200 tax savings ($10,000 * 0.22 = $2,200). Now, to answer the original question, home ownership can provide some significant tax benefits. Here are a few of the tax deductions that may be available:
Mortgage Interest Deduction. Under the new tax laws that went into effect on January 1, 2018, if you are single or married filing jointly the interest paid each year on your mortgage may be tax deductible up to $750,000 in mortgage debt incurred to purchase or improve a primary residence or second home.
Note: The new tax code also includes a "grandfather" rule which allows a homeowner to deduct interest up to the previous loan limit of $1 Million for mortgage debt incurred to purchase or improve a primary residence or second home if it meets one of the following:
Debt was incurred before 12/16/2017 or the binding contract to purchase a home was in effect before 12/16/2017 and the home purchase closed before 4/1/2018.
Another "grandfather" rule includes a provision that allows for a new refinance of home acquisition debt that was taken out prior to 12/16/2017, as long as the principal balance of the new loan does not exceed the balance of the loan they are refinancing.
Purchase Costs Deduction. Loan discount points and origination fees may be tax deductible. In addition, any "daily interest" paid on the mortgage at closing may also be deductible. We'll provide you with your final closing statement after close of escrow.
Property Tax Deduction. Real estate taxes may be deductible up to a certain $$ amount based on what other state and/or local taxes you pay. Under the new tax law that went into effect on January 1, 2018, the maximum deduction for personal state and local taxes (which include real estate taxes) is generally $10,000.
Capital Gains Exclusion. Married taxpayers who file jointly may be able to keep (tax free) up to $500,000 in profit on the sale of a home used as a principal residence two out of the prior five years. Single and married filing separately may be able to keep up to $250,000 each, tax free.
Home Improvement Loan Interest Deduction. If you take out a loan on a primary or secondary residence for any significant home improvements, you may be able to deduct the interest up to the maximum allowable limits. Check with www.irs.gov and a tax professional for the improvements that qualify.
Home Equity Loan Interest Deduction. The interest you pay on a home equity loan or line of credit for a primary residence or second home (if used for acquisition or improvement costs) may be deductible up to the applicable limits based on when the property was acquired.
While the items listed above are some of the larger tax deductions that come with home ownership, additional tax benefits may exist. It's important that you also review all tax matters with a tax professional. If you have any questions, please feel free to call or email us.
#homeownership #taxdeduction #mortgage #deduction #homeequityloan #mortgageinterestdeduction


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The CMSI Board Of Trustees
CMSI's Board Of Trustees is made up of elected representatives from the Society's membership. Comprising local members, clergy and ex-Mission Partners, the trustees are experienced individuals, who are passionate about mission and committed to CMSI's development and growth.
The Board Of Trustees is specifically responsible for CMSI's strategy, finances and policy. It is the trustees' role to govern the society – prayerfully overseeing and developing our work.
The Board meets together five or six times each year (including the AGM); they usually meet in Dublin on a Friday evening or on a Saturday.
The current board
Rev Adrian Dorrian (Chairperson)
Rev Caroline Casserly-Farrar
Prof Frank Dobbs
Norman Jackson
Olwen Laird*
Niall Manogue
Rev Stephen McWhirter*
David Reynolds (Company Secretary)
Louise Talbot-Beirne
*Olwen and Stephen will be stepping down from the board at the upcoming AGM on 30th March. There will be an opportunity to elect a number of new trustees at that meeting.
Contact the offices to find out more about the CMSI Board and role of trustees.


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Price: $29.75
Quantity: 1 available
Book Condition: Very Good
First Printing from 1961! Wonderful Illustrations by Corinne Malvern! Hard to find hardback book of 29 pages with great illustrations of classic poems. Book is in Very Good condition with a tight binding and mostly clean crisp page with a short inscription from "Grandma" dated "1962" on the first blank end page. No other writing or marks in the book. Book is designated a First Printing by the "A" on the last end page. Outside pictorial covers show some minor scuffing and corner and edge wear. An overall nice book! Nilil Obstat and Imprimatur. Hard to Find!
Title: A Catholic Child's Book of Poems (A Read-With-Me Book) 1961 1st Prt
Illustrator: Corinne Malvern
Categories: Catholic Childrens,
Publisher: Guild Press Distributed by Golden Press: 1961
Binding: Hardcover
Book Condition: Very Good
Type: Hardcover
Item: 7.00 Item
Seller ID: 190704G


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Biography :
Dr. Antonarakis is a Professor of Oncology and Urology at the Johns Hopkins Sidney Kimmel Comprehensive Cancer Center. He obtained his medical degree from the University of Wales College of Medicine (United Kingdom) in 2003, and then completed a Residency in Internal Medicine at the Johns Hopkins Bayview Medical Center, followed by a Fellowship in Medical Oncology at the Johns Hopkins Hospital. In 2010, he joined the Johns Hopkins faculty as an attending physician and translational researcher. Dr. Antonarakis' clinical interest is the management of prostate cancer and other genitourinary malignancies.
His research focuses on drug development and clinical trial design for patients with prostate cancer. More specifically, he is interested in developing novel androgen-directed therapies as well as immunotherapies for men with recurrent or advanced prostate cancer and using cancer genomics to inform precision oncology approaches. He also has an interest in biomarker development, specifically the clinical validation of the AR-V7 biomarker as well as DNA repair markers and their therapeutic implications.


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Please devine your report about this image.
Duck Plitvice Lakes Plitvice Croatia Water Lake
This image is from pixabay.com and is licensed under Pixabay License was added on February 01, 2019 and has been viewed 26 times. You can download this "Duck Plitvice Lakes Plitvice Croatia Water Lake" stock photo for free but make sure to check the license for each image by visiting the download button link.
Warning! Please keep in mind although the images listed here are free to dowload and use, some images may not have model or property release. Some images may also contains copyrighted brand logo.


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- This event has passed.
The Music Man (postponed)
Thursday, April 16 to Sunday, April 19
Event Website
Thursday 7:30pm
Friday 7:30pm
Saturday 2:00pm, 7:30pm
Sunday 2:00pm
There's trouble in River City when a fast-talking salesman gets his heart stolen by the town librarian.
By turns wicked, funny, warm, romantic and touching, The Music Man is family entertainment at its best. Meredith Willson's six-time, Tony Award-winning musical comedy has been entertaining audiences since 1957 and is a family-friendly story to be shared with every generation.
The Music Man follows fast-talking traveling salesman, Harold Hill, as he cons the people of River City, Iowa, into buying instruments and uniforms for a boys' band that he vows to organize – this, despite the fact that he doesn't know a trombone from a treble clef. His plans to skip town with the cash are foiled when he falls for Marian, the librarian, who transforms him into a respectable citizen by curtain's fall.
Perfect for professional theatres, community groups, summer stock and schools alike, this award-winning, critically acclaimed Broadway classic is an all-American institution, thanks to is quirky characters, charmingly predictable dramatic situations and one-of-a-kind, nostalgic score of rousing marches, barbershop quartets and sentimental ballads, which have become popular standards. The cast features a soaring soprano ingenue, parts for young performers and children, and one of the musical theatre's treasures, a tour de force leading role for a charismatic actor who doesn't need to be a trained singer.
Venue: Migration Hall
170 Main Street E
Kingsville, ON N9Y 1A6 Canada
Phone: 519-733-6200


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- Gallery
- >
- Abstract Seascapes
- >
- The Space in the Sky
The Space in the Sky
per item
"The Space in the Sky" is an ethereal abstract seascape oil painting 60 x 60cm (24 x 24 inches) on a 4cm (1.5 inch) deep canvas. Painted thinking about being on the beach and looking at the sea in Prussia Cove. The title is from the song "Country Mile" by Johnny Flynn
It's painted in black, blue and white oil paint. The paint is layered and blended and heavily textured in parts. The image continues around the sides of the artwork and it is signed on the back. It's ready to hang and comes with a signed and dated Certificate of Authenticity.
(Please note the in situ images are not to scale but hopefully they give an good idea of how the painting will look in a modern interior.)
1 available


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In case you missed my last post: Is now the time to be a disruptor or a stabilizer? In either the micro-world of now or the macro-world of tomorrow, the answer is "Yes." Be a disruptor IN the profession so you can be a stabilizer FOR your clients in order for your practice to REMAIN relevant.
On to this week: Yep. Businesses are slowly opening up again. Except not everyone wants or will be able to come back just yet. And if/when they do, it will likely be on different terms than before. Do you have a longer-term virtual strategy to compete in that world?
Yes, we've all been doing Zoom meetings. Frankly, I don't understand why so many people feel "Zoomed-out" … I quite like them and believe them to be incredible distance shrinkers and time savers. But then, living in the RV for so many years, I've had the chance to get used to them.
But it is more than just Zoom meetings that have changed the way we do business. It's a lot more. If you took stock of where you were at the beginning of 2020, you would realize that—over the years—you built a successful BVFLS practice by creating a certain experience for your audience of leads, prospects, clients, and referral sources.
An experience that is built around getting the work, doing the work, and delivering the work—all in person.
Fast forward a few months. Whether you are currently busy, working off the pipeline of engagements you had before the pandemic hit, or are genuinely struggling to get more work … have social distancing and Zoom marginalized and devalued your client experience?
And if so, could the client experience ultimately disintegrate into a price war for your services?
What will it mean if in the "next normal" you don't get to meet, in person, the audience of people you normally encounter in the getting-doing-delivering work cycle?
So what
Here's one factoid I've learned from following Robin Sharma's work: research shows that it takes approximately 66 days to install a new habit. This time frame encompasses the point of starting something to the point of "automaticity" … when it becomes easier to do the new habit than not do it.
As I write this, most of us have already been sheltering in place for that amount of time. The things we thought we would never do (or have to do) are now ingrained as habits (some of which you may be happy to give up when it becomes possible).
But when we progress to the next normal, some of your audience—a critical mass, perhaps—is going to look back on in-person events and wonder, "Why did we do it this way?"
This is how movements begin.
And I am looking ahead to see how some of those movements may, and likely will, affect what we do and how we do it.
And how we need to increase our "virtuality" to deal with it.
In real life
Check out this LinkedIn profile. A thought leader I follow closely is stating right in the headline that his services can be "delivered globally via remote technologies."
And then there's this … hitting a little closer to home. This firm is touting its ability to perform a virtual valuation of a (seemingly) significantly large real estate portfolio.
In the next normal, have you thought about how you will deliver your client experience in a potentially extended virtual environment?
So that you can re-create the client experience in any virtuality and "future-proof" your practice in any economy?
* * *
So that is this post's practice development message.
Hopefully, it's been helpful and you can put it to good use.
How can I help you move in the direction of future-proofing your practice?
I have one idea …
* * *
Don't be good. Be great.
PS – Whenever you are ready, here are 4 ways I can help you build/grow your BVFLS practice:
1. Join Practice Development ROUNDTABLE
It's a new Facebook community for BVFLS professionals who are collaborating on how to turn the practices they have into the practices they want.
2. Download this Find Your Niche infographic
The riches are in the niches, as they say. But what's missing is a process that can help you identify your niche. This infographic is the missing process.
3. Take a free Practice Self-Assessment
I have 10 quick questions, and your answers will help you get a sense of how well your practice is working for you.
4. Work with me privately
If you've hit a time and income ceiling and want to level up, email me and tell me a little about your practice and what you'd like to work on together. Then we'll talk.


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Ajax Messages
We are looking to hire a hard-working Web Developer with experience in setting up and maintaining online stores on the WooCommerce platform. Candidate should have a good eye for design and aesthetics, and be able to take initiative in problem solving. Respect for deadlines is very important.
Black Box Concepts is the fastest growing creative and communication services company in Pakistan. We comprise of a team of marketing and media experts who provide cutting-edge solutions for you advertisement needs. We are committed to helping you carry your brand to the desired shelf and ensure its ...مزید پڑھیں


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Cross-Sectional Dispersion of Risk in Trading Time
Torben G. Andersen, Martin Thyrsgaard, Viktor Todorov
NBER Working Paper No. 26329
We study the temporal behavior of the cross-sectional distribution of assets' market exposure, or betas, using a large panel of high-frequency returns. The asymptotic setup has the sampling frequency of the returns increasing to infinity, while the time span of the data remains fixed, and the cross-sectional dimension is fixed or increasing. We derive a Central Limit Theorem (CLT) for the cross-sectional beta dispersion at a point in time, enabling us to test whether this quantity varies across the trading day. We further derive a functional CLT for the dispersion statistics, allowing us to test if the beta dispersion, as a function of time-of-day, changes across days. We extend this further by developing inference techniques for the entire cross-sectional beta distribution at fixed points in time. We demonstrate, for constituents of the S&P 500 index, that the beta dispersion is elevated at the market open, gradually declines over the trading day, and is less than half the original value by the market close. The intraday beta dispersion pattern also changes over time and evolves differently on macroeconomic announcement days. Importantly, we find that the intraday variation in market betas is a source of priced risk.
You may purchase this paper on-line in .pdf format from SSRN.com ($5) for electronic delivery.
Acknowledgments and Disclosures
Machine-readable bibliographic record - MARC, RIS, BibTeX
Document Object Identifier (DOI): 10.3386/w26329
Contact Us


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Blackberry Smoke TRAVELER Packages
Posted on May 29, 2018 | Posted in | 0 comment
Brothers and Sisters, We are excited to tell you about some great stuff coming up. We know you guys spend your hard earned dollars to come see us. We know some of you travel a great distance to do so. We love that you guys are pre-gaming and meeting up before the shows. We would like to help make that a better experience and save you a few bucks if we can. We are identifying a few shows now and a few more coming up where we can create some experiences to hang out with you all a little longer. We are going to call these the "Blackberry Smoke Brothers and Sisters Traveler shows." It's not to say that all the other shows aren't any more or any less less special, but these will be shows that we will help provide links for you to book hotels that are close to the venue as well as find an official place to meet up before the show. For New York you can use CLICK HERE to find a hotel that is close to the venue for any budget. We are also offering a ticket bundle for those of you who plan to attend both NYC shows for a limited time only from today 5/29-the public on sale 6/1 For $100 you will receive: (1) GA Ticket for Friday September 7 at Irving Plaza (1) GA Ticket for Saturday BackStory Event at The Cutting Room NYC (1) GA Ticket for Saturday September 8 at Irving Plaza CLICK HERE TO PURCHASE TRAVELER PACKAGES About the BackStory Event: Join us for an intimate live interview, audience Q&A and exclusive stripped down performance at The Cutting Room in NYC on the afternoon of Sept 8. Seating is limited! This event is part of the BackStory series in partnership with Guitar World Magazine. **Single day tickets WILL be available for these shows as usual. Pre-sale begins Wednesday, May 30th with code SMOKEFAN and public on-sale begins Friday, June 1st. Visit the TOUR PAGE for tickets.


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By Prethiba Esvary, Marketing and Communications Executive, Lava Protocols
My mother had had it with Android phones and decided to switch to Apple!
So, she purchased the iPhone 5 several years back. She bought it purely because it was 1) premium (and she could afford it) 2) it stood out from android phones because of its craftsmanship and finally, 3) ease of use.
That's basically it.
But what she probably didn't realise is that she was paying a premium price for much more than just the above. In actuality, she was also getting a phone with high quality hardware and software, better security, a smooth operating system (iOS), and better quality applications, just to name a few.
Okay, this is not an article promoting iPhones. What I'm trying to get at is that she probably isn't fully maximising the function of her iPhone and is therefore not reaping its full benefits. Which is a waste of RM4K, in my books.
This applies to any technology we use. Let's take the example of a CRM system like Salesforce. Salesforce is a premium and mature CRM system with a full suite of customer relationship management functions. If you're not maximising all of its features, you're not getting a high ROI.
Someone once said this: "You don't just drive a Ferrari to the grocery store and back. A car like that has so much more to offer and deserves to do more!"
Related: How Salesforce's Cloud Differs From Other Clouds
A question you should ask is are you maximising the use of your CRM system?
Here are a few things to do to take your CRM implementation further:
1. Sync all your systems
Sales, marketing, and customer service are all interconnected. If you're using a CRM system merely for sales automation, then you're missing out. Why? The sales data that currently sits in your system is incredibly valuable to the marketing department. Based on which stage of the buying cycle the customer is in, marketing can use that data to send out targeted campaigns.
As for customer service, getting access to customer history, transactions, etc. are key to providing high quality support. If you're a Salesforce user, you may want to consider looking at its other products. The beauty of Salesforce is that each product is connected to the other, and everything sits on one single platform. That way, data updated by a sales rep, can also be viewed by a customer service rep in real-time. Amazing, isn't it?
2. Connect it to social media platforms
Wouldn't you want to know what your customers are saying about you or a competitor? Listen to what they are saying on their preferred channel of communication.
In an article by CIO, David Neuman, social media manager of a digital marketing agency was quoted saying: "By capturing [customer] conversations in real-time, brands can quickly reach out and resolve issue[s] ASAP."
Anthony Smith, founder and CEO of Insightly, a SaaS CRM application said: "[Integrating your CRM to social media platforms] allows users to insert a new contact's email address and detect virtually every social media profile related to the email address. With access to these social media profiles, companies can see where their leads and contacts frequently post."
3. Get feedback from employees who are using it
Have regular chats with employees who are using the CRM system. Ask them what they like and dislike about the system, and what are the gaps they observe in the system.
Alan Baker, president and chief consultant of consulting firm Spitfire Innovations said: "The design of [a] CRM application can always be improved.
"Solicit ideas for improvement from internal and external users and then act on the ideas."
4. On top of training, pay for change management
One common issue with Malaysian companies using CRM systems is they don't spend as much time and money on change management.
It's an accepted fact that some people don't like, or even, reject change. This is why it's crucial to facilitate their adoption process. Understanding the use and functionality of the system is one thing, but seeing how it fits into their daily activities, how it simplifies their job, and making them understand the long-term ROI, are key to getting their buy-in.
Come up with SMART milestones and ensure that this is communicated to employees and teams who are using the system. The last thing you need is a CRM implementation failure.
5. Facilitate the user adoption process
There a host of things you can do internally to continuously educate employees about your CRM system. Ambassadors are key for this. Appoint employees or leaders who get on well with others to turn employees' learning experience into a fun and engaging one.
They can regularly run mini activities together with the marketing department to test employees on their CRM knowledge, and to reward them as they progress along their learning and adoption journey.
6. Just gotta keep learning
Continuous learning is key. Even if you have been an Oracle, SAP, or Salesforce user for years, there are always updates and new features being added to the system. If you are looking to upskill as an admin, developer, or business analyst, look for good learning modules which provide online courses and projects for you to complete at your own pace.
Salesforce Trailhead is an example of a fun and engaging way to learn, upskill, and get certified.
This is a testimonial from one of Lava Protocols' employees about the time she had to switch from one marketing tool to using Salesforce Pardot:
"The challenges faced was mostly experienced when the team was trying to figure out what data we wanted to incorporate from the previous tool and mapping it accordingly. It was a lot of strategising and trying to understand how differently Pardot functioned. The good thing about Pardot and on a more general level is that, Salesforce has a very extensive knowledge base. From video tutorials, to articles, to guided learning modules, webinars and community groups, the team and I made sure to soak up as much as we could and work our way through the tool with these information at hand.
"A team member and I decided to rise to the challenge and we got ourselves certified as Pardot Specialists. The whole process of obtaining the certificate definitely pushed us further and faster in understanding Pardot."
7. Get the advice and help of certified CRM experts
Sometimes all you need is some expert advice. Get a certified Salesforce expert from Lava Protocols who is able to not just listen but to truly understand your business issues and needs.
At Lava Protocols, we get a lot of customers asking us to advise them on which technologies best suit their needs, how to integrate them into their business processes, and how to get everyone on board with the solution.
Our experience spans across various industries. Our top industries include aviation, tourism, education, IT, service, and government.
Some of the top companies we have worked with include Taylor's University, MAVCOM, MAB, Maxis, and Tourism Malaysia. See more of our clients here.
Email us at email@example.com or call +603 7885 9720 to speak to one of our consultants if you'd like to get the most out of your CRM.
Lava is a cloud service provider and an authorised Salesforce Partner in Malaysia. We have more than a decade of experience in cloud solutions which includes marketing automation, CRM implementation, change management, and consultation. We pride ourselves in not just being a CRM partner but in also understanding the needs of our customers and taking their business to the next level.


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Unpublished Dispositionlefonza A. Lee, Plaintiff-appellant, v. State of Ohio, John E. Shoop, David E. Farren, Defendants-appellees, 860 F.2d 1079 (6th Cir. 1988)Annotate this Case
Before MERRITT and RYAN, Circuit Judges, and WALINSKI, Senior District Judge.*
Plaintiff Lee moves for counsel on appeal from the district court's judgment dismissing this prisoner's civil rights case. 42 U.S.C. § 1983. The appeal has been referred to a panel of the court pursuant to Rule 9(a), Rules of the Sixth Circuit. Upon consideration, this panel unanimously agrees that oral argument is not needed. Fed. R. App. P. 34(a).
The defendants are the State of Ohio, the prosecuting attorney, and an assistant prosecuting attorney from Lake County, Ohio. Lee alleges that the defendants subjected him to an illegal conviction despite his innocence and that the defendants illegally promised probation to Lee's codefendant. He requested $6,000,000.00 in compensatory and punitive damages.
The district court dismissed the complaint without prejudice. The court held that Lee must challenge his conviction in a habeas corpus proceeding before he could precede with this civil rights action. See Preiser v. Rodriquez, 411 U.S. 475, 500 (1973); Hadley v. Werner, 753 F.2d 514, 516 (6th Cir. 1985) (per curiam). The court also held that the complaint did not contain any facts which suggested that the defendants violated Lee's constitutional rights when they promised probation to his codefendant.
We agree with the conclusions of the district court for the reasons stated in its order. Accordingly, the motion for counsel is denied. The judgment of the district court is affirmed under Rule 9(b) (5), Rules of the Sixth Circuit, because the issues are not substantial and do not require oral argument.
The Honorable Nicholas J. Walinski, Senior U.S. District Judge for the Northern District of Ohio, sitting by designation


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Democrats opted not to make a 'false choice' over shutdown
Republican leaders would like us to believe that Democrats are responsible for the federal government shutdown that began Saturday after the Senate failed to pass a measure providing the funding necessary for its operations.
For example, John Cornyn, the No. 2 Republican in the Senate, said Chuck Schumer, the top Senate Democrat, is "the person most responsible for creating this unnecessary fiasco."
I like Cornyn, as it happens, and I would certainly be frustrated right now if I were in his position. As the Senate majority whip, he has to maintain a working relationship with the Senate majority leader, Mitch McConnell.
And McConnell is blaming Democrats for the Senate's failure. They had insisted that some kind of protection for "Dreamers" be included in the funding measure, which would have required 60 votes to pass.
With that said, Schumer is the Senate minority leader. Republicans control the Senate. They also control the House and - in theory, albeit not always successfully - the president, Donald Trump.
In fairness, Republicans aren't solely to blame for this unnecessary fiasco. But they clearly bear more responsibility for it than Democrats. According to a Washington Post-ABC poll, released on Friday, 48 percent of Americans see it that way. Just 28 percent blame the Democrats.
Moreover, McConnell should be ashamed of himself. The continuing resolution that he failed to pass also included funding for the Children's Health Insurance Program, which covers almost 9 million children. Those children are now at risk of losing access to care.
And in McConnell's version of events, which many Republicans have since seconded, that's because Democrats decided to throw them under the bus.
"The vote to fund the government and the 9,000,000 kids depending on CHIP should be easy, except the Democratic Leader has convinced Senate Ds to filibuster any funding bill that doesn't include legislation they are demanding for people who came to the United States illegally," he tweeted on Friday.
"This should be a no-brainer," McConnell said in another tweet, which explicitly posited that Democrats had to make a choice between the 8.9 million children covered by CHIP or the 690,000 currently enrolled in the Deferred Action for Childhood Arrivals program.
In a sense, I agree. When presented with an obviously false choice, I choose not to play along. But because of what happened in the Texas Legislature last year, I was worried that Senate Democrats might in this case.
Texans successfully thwarted Republican leaders in their quest to pass the "bathroom bill," Senate Bill 6. But the effort to stop Senate Bill 4 was demonstrably less successful; our state now has a "show me your papers" law.
Credit for Democrats
Republicans, to be clear, are to blame for that. It was Gov. Greg Abbott who called for a crackdown on sanctuary cities at the beginning of the legislative session and has now signed SB 4 into law.
Democrats, by contrast, opposed the bill as it made its way through the Legislature. Since they don't control either chamber, it was perhaps inevitable that their efforts would fail.
Still, the debate over SB 4 was genuinely gut-wrenching for several reasons. One of them is that although progressive Texans were against the bill, many of them seemed to see the bathroom bill as a more urgent priority. When SB 4 came to the floor of the House, where Democrats were pleading with their Republican colleagues to consider how much harm it would cause, the gallery wasn't even full.
In fairness, the state Capitol is in Austin, not Houston, San Antonio, Dallas, El Paso or the Rio Grande Valley. But still - this is Texas. We literally used to be part of Mexico. Those of us who are Anglo should be a little more sensitive to the potential subtext of certain political debates.
And although Cornyn is right to say that the shutdown is an unnecessary fiasco, Schumer and the Senate Democrats deserve credit for doing the right thing this week. I was worried that they would fall for the false choice McConnell was peddling.
DACA's popularity
Polls show that an overwhelming majority of Americans support the idea of giving DACA recipients permanent protections from the risk of deportation. But we haven't insisted that Congress act accordingly thus far. And there really are 9 million children covered by CHIP, which Friday's actions left unfunded.
But Democrats weren't the ones demanding that we choose between helping them or helping DACA recipients. In fact, DACA recipients are among the taxpayers supporting CHIP, which is an incredibly worthwhile program.
And although it's true that DACA doesn't end until March 5, I understand why Senate Democrats were skeptical of the Republicans who insisted last week that they wanted to tackle this issue later. Those Republicans also knew that they would need 60 votes to pass the funding measure, and the group they used as a hostage could also have served as a fig leaf. Nine million children are enrolled in CHIP. It's hard to think of a better excuse for voting for "amnesty."


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Israel is Bombing Gaza Again and Anonymous Just Hacked the Government In Response*
By Zeidy David
The State of Israel has once again launched a missile attack on the Gaza Strip, according to Israeli news sources.
The Times of Israel reports that Israeli warplanes just hit buildings in Gaza early Thursday morning. This is the second of such missile strikes on Gaza in the past week alone.
The State of Israel tried to justify the missile campaign, but suggestion that "several houses" in the Israeli town of Netiv Haasara, were hit with "sniper fire." That remains to be seen and has certainly not been confirmed.
But after last year's attack against Gaza, which saw the deaths of 2,140 Palestinians, including 557 children, Anonymous Red Cult has lashed out at the Israeli government, taking down a large number of Israeli government websites in retaliation.
The Paste Bin info sent to us by Red Cult is as follows:
When Israel choose to attack Gaza haphazardly, we, the Anonymous, choose to attack deliberately!
Early today, two missiles were reportedly fired in an attack on Gaza by Israeli warplanes according to The Times of Israel. This attack is the second of its kind against Gaza over the past week, and in order not to forget that last summer, the Israeli regime launched a brutal attack against Gaza, killing 2,140 Palestinians, including 557 children, we remind them of our Cyber attack the time we choose to do so…
And Remember, We are Anonymous, We are Legion, We do not forgive, We do not forget, Expect us.
The list of sites currently down from the Anonymous attack is as follows:
idf.gov.il descr: IDF – Israel Defense Forces
defence.gov.il descr: Ministry of Defence
pm.gov.il descr: Office of The Prime Minister
mohr.gov.il descr: State of Israel-Ministry of Finance
israel-mfa.gov.il descr: Israeli Ministry of Foreign Affairs
immigration.gov.il descr: Israeli Immigration
hosting.co.il descr: Domain Internet Ltd
dev.cbs.gov.il descr: Shifra Har
eqred.gov.il descr: Israel Earthquake Center
ecom1.gov.il descr: Ministry of Finance
ejobs.gov.il descr: Merkava – Ministry Of Finance
ifts.gov.il descr: Integrated Foreign Trade System
iibr.gov.il descr: Israel Institute for Biological Research
iiop.gov.il descr: Israel Institute of Productivity
index.gov.il descr: Office of The Prime Minister
int.gov.il descr: State of Israel-Mail
emus.gov.il descr: Economic Mission U.S.
aa.gov.il descr: The Israeli Antitrust Authority
galil.gov.il descr: Galil Development Authority
embassies.gov.il descr: Israeli embassy in the United States
pwd.gov.il descr: Public Works Department
sep.gov.il descr: Israel Economic and Tourism
tayman-child.gov.il descr: Yemen – lost children
ladpc.gov.il descr: Local Authorities Data Processing Center Ltd.
maor.gov.il descr: Israeli Tech Tehila
mfah.gov.il descr: Ministry of Foreign Affairs – Hebrew
mofa.gov.il descr: Foreign Affairs Ministry
tofes.gov.il descr: Office of The Prime Minister
zchut.gov.il descr: rights and services for Holocaust survivors
justice.gov.il descr: Israeli ministry of justice
itpolicy.gov.il descr: Israel Information Technology
msh.gov.il descr: Shalom civil service reform-Minister Michael Eitan
ocs.moital.gov.il descr: Ministry of Industry and Trade
idf.il descr: Israel Defense Forces
nioi.gov.il descr: National Insurance of Israel
pnim.gov.il descr: Israel Ministry of Interior
antitrust.gov.il descr: The Israeli Antitrust Authority
tipa.gov.il descr: Israel Ministry Of Finance
zchut.gov.ildescr: rights and services for Holocaust survivors
shaam.gov.il descr: Shaam – Information Systems Poaly Zedek 4
rbc.gov.il descr: Israeli Rabbinical Courts
http://www.telaviv.police.gov.il descr: Israel Police Department
agri.gov.il descr: Agricultural Research Organisation Volcani Center
israel-info.gov.il descr: Israel Ministry of Foreign Affairs
kranoth.gov.il descr: Kranoth Hishtalmut LeOvdei Horaha
misim.gov.il descr: Shaam – Information Systems
moc.gov.il descr: Ministry of Communications
gp.gov.il descr: IsraelGovernment Printing Office
iaa.gov.il descr: Israel Airport Authority
immigration.gov.il descr: Israeli Immigration
isa.gov.il descr: Israel Securities Authority
nativ.gov.il descr: Nativ Project – PMO
Related Topics:
Netanyahu Arrest up for Debate as U.K. Petition Hits Target*
Operation Protective Edge: The Dead Have Names*
From Gaza: I'm a Human Being, Not a Human Shield*
The Root Cause of the Never-Ending Conflict in Palestine; and How to Fix It*
World's Leading Medical Journal Sends an Open Letter to Gaza*
Not in our Name: 225 Jewish Survivors of Nazi Genocide Condemn Israel*
Israeli Soldier Strangle-holds Palestinian Boy*
The Israeli Invasion and Gaza's Offshore Gas Fields*
Israel begins Drilling for Oil at Syrian Golan Heights*
A Zionist to Head U.S.'s Economic Warfare Division*
Rothschild Temple: The Conspiracy, the Call, the Plan to Destroy Al-Aqsa Mosque*


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The Berlin Wall fell almost 17 years ago. At the time, the future seemed clear: The fall of the wall would unleash an unstoppable tide of free markets and free people — and for about 15 years it did just that. Today, though, when you stand where the Berlin Wall once stood and look east, you see a countertide coming your way. It is a black tide of petro-authoritarianism emanating from Russia, and it is blunting the Berlin Wall tide of free markets and free people.
Why? Russia is a classic example of what I like to call "the First Law of Petropolitics," which posits that the price of oil and the pace of freedom operate in an inverse relationship in petrolist states — states with weak institutions and a high dependence on oil for their G.D.P. As the price of oil goes down, the pace of freedom goes up. The day the Soviet Union collapsed the price of oil was near $16 a barrel. And as the price of oil goes up the pace of freedom goes down. Today, Russia's president, Vladimir Putin, flush with surging oil and gas profits, is crushing domestic opponents, renationalizing major energy companies, throwing out Western human rights groups and generally making himself the big man on campus in Europe.
When Europeans tell you that they fear a new "cold war," this time they really are talking about the temperature — and the fear that Russia, if it wanted to turn off the gas, could make Europeans very cold. About 40 percent of Europe's natural gas imports come from Russia, and that is expected to grow to 70 percent by 2030.
With prices high, Russia has gone from the sick man of Europe to the boss man. Russia is a having a much bigger impact on Western Europe "with gas pipelines than it ever had with SS-20" long-range nuclear missiles, remarked the German foreign-policy expert Josef Joffe, author of the smart book "Überpower: The Imperial Temptation of America."
"Ten years ago we thought Russia was out of it," Mr. Joffe said. "We knew it was going to come back. But suddenly, out of the blue, with the rise in oil prices, it is back on stage, and this time it's much more skillful. The image we have of Russia is [the port of] Murmansk, where the Russian fleet is rotting — but power comes in many forms." And the most popular form today is oil and gas.
Goodbye NATO, hello Citgo.
The other day, the BBC quoted a senior "E.U. insider" as saying of European Union leaders: "You know what happens when they get in the same room with Putin?" They all prostrate themselves "and say, 'I love you, Vladimir.' " The BBC was reporting about a tense summit meeting last Friday in the Finnish town of Lahti. E.U. leaders reportedly beseeched Mr. Putin to honor contracts with Western oil companies, as well as to ease his crackdown on press freedoms, on human rights groups in Russia and on Georgia, and to investigate the murder of a crusading Russian journalist.
What the E.U. wants, a senior German official explained, is to be able to invest in more Russian oil and gas drilling projects and pipelines upstream, so that Russian and E.U. energy interests will be so intertwined Russia will never consider turning off the gas. Mr. Putin wants Gazprom, the giant Russian gas company, to be able to buy into more downstream consumer operations in Europe. That way Russia could dominate the industry from its oilfields all the way to the gas meters of Berlin and Brussels. Right now, the two sides are in a standoff.
"We cannot allow energy to divide Europe as communism once did," José Manuel Barroso, the European Commission president, told The Financial Times. But it is.
In fairness to Mr. Putin, turnabout is fair play. After the Soviet Union collapsed and Russia was enfeebled, the U.S. and the E.U. crammed NATO expansion down his throat. He's now using petro-power to push back. "Russia is very different from Venezuela or Saudi Arabia," remarked Clemens Wergin, an editorial writer at the German daily Der Tagesspiegel. Russia has nukes and oil, he noted, and therefore has the potential to play a much more domineering geopolitical role in Europe.
German officials don't really think Russia is about to turn off the gas if it doesn't get its way on some issue. After all, it never did that during the old cold war, and Russia today is much more dependent on Western markets. But still, centuries of uneasy relations between Europe and Russia make German officials queasy about how dependent they've grown on the Kremlin to heat their homes and offices. Queasy or not, one thing they know for sure: Russia is back. The gas man cometh.


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The Power of Audience: You're Invited, Part II
In the first quarter of this school year, which has just ended, Regional School Unit # 71 (Belfast, Swanville, Searsmont, Belmont and Morrill) launched "PD Fridays." PD stands for professional development, which teachers, support staff and administrators engage in together every Friday afternoon when students are released from school.
One of the instructional practices we've been learning about and working on in the first quarter involves teachers designing instruction such that students may share their learning with various audiences beyond the classroom. The inclusion of an audience in the design of instruction has been shown to spur student motivation and elicit deeper engagement and purpose in the undertaking of meaningful and rigorous work.
District staff have been working out of a book entitled Leaders of Their Own Learning: How to Transform Schools Through Student-Engaged Assessment by Ron Berger et al, along with its just published Leaders of Their Own Learning Companion Guide.
We all know about the enthusiasm generated by athletic teams, choral and instrumental concerts, drama club productions, art exhibits, technical education projects, science olympiads, math meets, science fairs and the like. Part of what elicits such passionate engagement and hard work on the part of students is the knowledge that there are real stakes in the form of a real audience that will be giving them feedback of one kind or another. A public audience will bear witness to the quality of their work (or lack thereof) — will see for themselves the results of students' practice and hard work. The crowds in the stands, on the sidelines and in the audience add kinetic energy and excitement for the students in the spotlight of attention — not only during live performances but also during practices and rehearsals that are preparations for the real thing.
We believe that students' intensity of engagement and urgency of purpose could become more of the norm in day-to-day academic activities. A diagram in chapter six of the book posits a "hierarchy of audience" theory that the more high stakes the audience the more engaging and motivating the school work:
This year we aim to have 100% of our students do at least one "student-led" parent-teacher conference. We also aim to have 100% of our K- 12 students participate in a Celebration of Learning this spring. Mark your calendars for the Belfast Area High School Celebration of Learning on Friday, April 17 (presentations in the humanities in the morning and presentations in math, science and technology in the afternoon). Dates in our seven other school sites will be announced in late winter.
Here I'd like to publicly thank those community partners who have worked hard to help our children and young adults succeed. Last year at this time in an article entitled "You're Invited," I announced a supper-hour book study on Helping Children Succeed by Paul Tough that was open to the public. Many members of the community and I enjoyed wide-ranging conversation over pizza and salad. I thank these individuals for their commitment to helping our students succeed.
I'd also like to publicly thank the many community partners who have stepped up to offer special enrichment programs for students on PD Fridays afternoons. The Game Loft runs after school programming every day and opens its door early on PD Fridays. The Waldo County Y started a new after-school program at Ames Elementary School, serving students in the tri-town The Waldo Y has a long history of offering after-school programming to middle school students daily and has also opened its doors early on PD Fridays. Waterfall Arts is offering a fabulous Art Club at CASS on PD Fridays. The Belfast Free Library is offering special programming on Friday afternoons and has a long history of providing special courses and events. The Belfast Bay Watershed Coalition has been offering fascinating programs to students during vacation weeks. The Cornerstone Montessori School offers a Friday afternoon Nature Series. And Kids Unplugged offers a program on PD Fridays. Bank of America volunteers are teaching chess to students and have long offered students free Junior Achievement Classes. On behalf of RSU # 71 staff, students and families I extend heartfelt gratitude to all these organizations!
Finally, I'd like to lift up and recognize the educators who are already exposing students to a variety of audiences. We are very lucky to have such a dedicated and talented workforce across the school district. My next article, during the second quarter of this school year, will give examples of rigorous learning that has culminated in sharing with audiences beyond the classroom. In late January we will also be premiering a TV show entitled RSU 71 Students Shine featuring the teaching and learning of students and staff across our district. Stay Tuned!


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The game is supported on and. The 3D effects and the virtual depiction of the War ground are awesome. Únete a las épicas batallas entre jugadores y busca rivales de todo el mundo. In order to return to the general matching queue a player will just need to persist playing matches without leaving the battlefield before any notable action is taken. They will be able to do so quickly with advanced tools. Combinaciones ilimitadas de robots y armas que te ayudarán a crear la máquina de guerra definitiva que se adapte a tu estilo.
It will should only appear 1 result max. Read below detailed post on how to download, install and use this modded apk file on any android phone. Also, you can join clans and fight with a bunch of mates robots against a huge number of enemies. Mark an enemy for your teammates to hit harder! With this mod, the game will be a little easier for you. As you get promoted to a higher level, a higher level of game planning is required. Request them to recover ur save play here into ur google play game account. Tendrás que vértelas con sigilosos ataques, maniobras tácticas complejas y elaboradas y con las estrategias traicioneras de tus rivales.
For that you need to make yourself a defense. I have checked multiple times across the official and modded apks. Why use this Cheat Tool Security, uptime, and ease-of-use were our top priorities when programming this Walking War Robots hack and still are our top priorities as we consistently update the Walking War Robots cheat tool. Also waiting for you 15 fight robots with different power in the game. Without erasing the saved game of course? Weapons: new medium weapon Scourge and heavy machine gun Tempest! The app uses the device's advanced multitouch capabilities for tracking two or more points independently.
If so, and you have a win % above 60, then you are thrown in to the fire, which I can understand you being bitter about. After that, go to the folder where you have saved your apk and click it. You can even create your own guild and fight on the battlefield for glory! Para salir victorioso de una guerra es imprescindible que conquistes cada uno de los mapas con ingeniosas estrategias, que destruyas los robots enemigos, que captures todas las balizas y que mejores tus armas para incrementar la fuerza de combate, la velocidad y la durabilidad de tu robot de batalla. War Robots Mod Apk is an interesting action game with unlimited ammo. Are you ready for surprise attacks, intricate tactical maneuvers and the many sneaky tricks your rivals have in store for you? In this mod, you can shot the enemies with endless ammo.
Some robots can walk faster so some heavy mechs walks so slow. The first step is to download the edition file from the given download link. This started happen around 8 hours ago. Get ready for stealth attacks, clever and intricate tactical manoeuvres and treacherous strategies from your rivals. Rg Can u tell how do i play with same account on 2 different mobile. Note that the game is online and requires internet to run.
There are about 21 robots which you can bring in the battle. This game is available for free and to play this game, Internet connection is a must. Walking War Robots is a game packed with multiplayer action. This game offers several in-app purchases with which you can buy items and resources in the game but thanks to War Robots 3. And the app says i am running an invalid version of app. Join epic player versus player battles against rivals from all over the world.
There is a premium account system which can be enabled using real money. It seems to me you just exited the beginner tiers. Its fun addictive and great way to get some competitive challenging battles. The app uses the device's basic two-point multitouch capabilities, such as for pinch gestures, but the app does not need to track touches independently. Pay to Win players whom have bought the best.
Go to toolbox and there to patch to android and the first two options need to be patched. The number of matches that you will have to spend within the separate matching queue is defined by the number of matches that you have withdrawn from. There is no need to download any hack tool, just use the online hack below, no virus attacks and no hack attempt. Bienvenido al único y aclamado War Robots, un juego multijugador de acción con batallas de 6 contra 6 a tiempo real. Thank you again for great work! You can direct select what you want from them. Prepare yourself for powerful combats.


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Just as long as they are held in the Old Mill District or Northwest Crossing.
We always have good weekends when they hold these events outside of downtown. My theory--people either get done with the fest or avoid the fest and ask themselves -- hey, what else can we do? I know! Lets go downtown!
So, all hail street closures! As long as they aren't MY street.
Coming 7/8/20
2 days ago


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Fighter Details
- Name: Bogdan Pashkov
- Pro MMA Record: 1-10-0 (Win-Loss-Draw)
- Nickname: N/A
- Current Streak: 9 Losses
- Age & Date of Birth: N/A
- Last Fight: April 07, 2019 in RFP
- Weight Class: Bantamweight | Last Weigh-In: N/A
- Affiliation: N/A
- Height: 5'8" (173cm) | Reach: N/A
- Career Disclosed Earnings: $0 USD
- Born: Ukraine
- Fighting out of: Ukraine
Fighter Links:
Personal Links:
Regional Rankings Rankings FAQ
updated Thu Jul 9 09:25:59 2020#106Bogdan Pashkov is the 106th ranked of 145 active Ukraine Pro Bantamweights.
Also ranked at: Featherweight (153rd)
Europe Eastern
updated Wed Jul 8 03:31:38 2020#219Bogdan Pashkov is the 219th ranked of 285 active Europe Eastern Pro Bantamweights.
Also ranked at: Featherweight (372nd)
Bogdan Pashkov Wiki
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Posted on February 18, 2009
by heatherlauraclarke
Leave a Comment
The itsy-bitsy sundress was sort of a success — I might have forgotten to mention the wonky seam at the waist — so I am moving on to Project #2! I really want to try making a flannel patchwork quilt pour bebe. Flannel because…
Category: Craftiness, Sewing
I'm Heather Laura Clarke. I'm journalist and blogger in beautiful Nova Scotia, I have an 9-year-old son and a 7-year-old daughter, I married my high school sweetheart, and this is the story of my handmade life.
I have depression and anxiety, and I fight like hell every day to keep it from taking over my life. Making things isn't just a hobby — it's part of what keeps me alive.
Whether I'm decorating a room, busting out my power tools to build furniture, getting muddy in the pottery studio, sewing clothes for my kids, or cross-stitching a swear word, I'm all about using my creativity to craft a life I love.
Hang out with me on Facebook
© Heather Laura Clarke and Heather's Handmade Life, 2009-2019. Unauthorized use and/or duplication of this material without express and written permission from this site's author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Heather Laura Clarke and Heather's Handmade Life with appropriate and specific direction to the original content.


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Salzberg, Claudia A
MetadataShow full item record
Background: The patient-centered medical home (PCMH) has been proposed as a transformative model of delivery of health care that aims to improve health outcomes and lower health spending by providing care that is patient centered, comprehensive, coordinated, accessible and focused on quality and safety. Although PCMH is rapidly becoming widespread, there is mixed evidence on the effectiveness of current medical homes in delivering any or all of these objectives. There is disagreement as to whether this model is intended to improve care for all or should be targeted only at patients with high medical needs. However, recent findings are identifying benefits among subgroups with chronic conditions. Studies are also finding that care for mental health conditions is not commensurate with care for physical conditions in the PCMH. Individuals with multiple chronic conditions and those with comorbid depression are among the most medically needy and costliest patients. In addition, the role of payment reform in PCMH is understudied. This dissertation evaluates how adults with multiple chronic conditions and co-morbid depression respond to a specific PCMH intervention with two methods of reimbursement; fee-for-service and partial capitation. Methods: Administrative medical and pharmacy claims from a single commercial payer in the Albany and upstate New York areas for the years 2008 – 2013 are used. A segmented, interrupted time series design with individual level data clustered at the PCP level, with matched practice-level controls, was used to assess the effect of the transformation to PCMH of 22 practices recognized as NCQA Level 3, and the subsequent adoption of partial capitation of 13 of those practices. Outcomes include total medical, inpatient, ambulatory and drug expenditures as well as inpatient, emergency department, and office visit utilization. Results: PCMH affects subgroups with multiple chronic conditions. Payment through partial capitation increased access to ambulatory services and drugs while reducing the expenditures among those who used these services. PCMH continuing to remain on FFS had no effect among patients with co-morbid depression whereas PCMH with partial capitation has significant effects on ambulatory and drug expenditures. Conclusions: This study finds that PCMH affects outcomes for those with multiple chronic conditions. Further innovations in care need to be implemented in the PCMH to address the subgroup of patients with multiple chronic conditions with co-morbid depression. Payment reform is critical for the success of PCMH.


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Lead Times
Hey everybody, just a word about how long it will take you to get your Cold War Concealment holster. Simple answer-it depends. Lead times will vary on how many orders I'm working on in any given week, and also on what you order. For example, if you order a color that I don't have in stock at that moment - it takes me a couple days to get the material. I always like to tell people it will take two weeks to get it shipped, but almost always get the orders shipped within a few days. If you ever have a question on lead times, please reach out via e-mail!


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Are you still looking for the right Christmas Party Entertainment? You don't have long left, so we thought we would give you 10 of our most unusual Christmas party entertainment ideas from our entertainment directory, www.EntertainersWorldwide.com – just make sure you get booking as soon as possible so that you don't miss out!
1. Acrobalance and Adagio
If you are looking for a creative and unusual entertainment idea for your upcoming Christmas party, why not choose an Acrobalance and Adagio act? This type of performance involves hand-balancing and acrobatics with a touch of gymnastics and gives a fantastic visual display!
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Give your guests a little something to take away with them and choose Silhouette Artists to create silhouette cut-outs as an unusual type of entertainment! A perfect alternative to the Caricaturist, Silhouette Artists create cut-outs of your guests and work perfectly with other entertainment options too.
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With the popularity of Dance Acts increasing with thanks to reality television shows, such as Britain's Got Talent, we have a massive selection of Dance Acts to hire for events. If you are planning a Christmas party and want to add an element of dance to it, we highly recommend checking out our dedicated category!
6. Face Painters
For an alternative entertainment choice for children, why not choose a Face Painter who can transform the younger guests of your party into Christmas themed characters? From snowmen, reindeer, Santa Claus and much more, choose a Face Painter to keep the little ones occupied!
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Not just for summer fete's and carnival themed parties, Jugglers can add a real fun element to any party, including Christmas get-togethers! Watch as a juggler uses small objects such as colourful batons, balls, Christmas baubles and more to juggle with!
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Add some magic to your Christmas party and book a Stage Illusionist to book on a spectacular show as they perform daring illusions and tricks! Usually with the help of an assistant, a Stage Illusionist will also request the help of volunteers and get your guests involved too!
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10. Contortionists
If you are creating a Christmas party which would benefit from non-obtrusive entertainment, why not look at booking a Contortionist to mould their bodies into shapes un-imaginable? They will grab your guests' attention as they perform!
We hope you have enjoyed our top 10 unusual Christmas party entertainment ideas, but don't forget we also offer many traditional entertainment options too – there is something for everyone over on our website, www.EntertainersWorldwide.com so why not take a look and use our services for free!?
Want to Save Time When Booking Your Entertainment? Sit back, relax and have your Entertainment contact you! By adding a post to our website e.g. 'Fire Performers required for Christmas Party on 20th December', our available acts will contact you by email. Look at the Entertainer's publicity, decide which is your favourite and contact them directly! The entire service is completely free of charge. Tell us what entertainment you are looking for now and we will do the rest! Contact us. Or view all of our entertainers, bands, tributes, singers, dancers, musicians, magicians, speciality acts, DJs & other artists worldwide here: www.EntertainersWorldwide.com ———————————————————-
Click below to Create a Profile with us & promote your Act / Event Services now! Any questions? Click here to CONTACT US Or email us at email@example.com Kind Regards, The Entertainers Worldwide Team