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Every business needs commercial insurance of some kind or another, depending on the nature of the business, and in sufficient amounts to protect it from serious, if not fatal, losses and liabilities. Only a serious, thoughtful review of business operations and assets can determine the kinds and amounts of insurance needed for a particular business, though commercial insurance agents should be able to offer some guidance.
In assessing the need for property insurance like commercial building insurance, a business needs to make a thorough review and valuation of its assets. These include real estate, buildings, fixtures, equipment and everything a business owns as tangible property or what accountants term "fixed assets." The business's accountants can aid in this review and prevent overlooking assets that otherwise might not occur to the business owner. Once this has been firmly established, then the business needs to weigh the advisability of insuring it for "actual value" or "replacement value."
A commercial insurance policy for "actual value" means losses to property would only be covered for the actual cost of the property, such as a building or piece of equipment, less depreciation. Insuring the property for "replacement value" would mean the insurance would cover the cost of replacing the loss at current market costs. That is, taking a building as an example, "replacement value" coverage would pay for replacing it at current construction and outfitting costs, whereas "actual value" coverage would only pay for the loss incurred for the original cost of the building less depreciation. The two are very different, have different payouts and carry different price tags, so this issue deserves careful consideration.
Commercial life insurance can cover the lost value of high-producing and valuable employees, and commercial umbrella insurance can provide extra coverage over and above the normal policy amount for only a small incremental cost for additional risk management purposes.
As for liability insurance, other factors require review and consideration. The areas of activity the business is engaged in, and their attendant potential liabilities, need to be assessed. The business owner needs to weigh potential losses that might be incurred through accidents or oversights resulting from the conduct of the business itself. In which areas is the business open to customer or client lawsuits? Which circumstances or activities could result in injury or loss to third parties on the premises of the business or through the conduct of its business operations? These would be quite different for a physician than for an air conditioning/heating repair service, to use just one example.
Again, an experienced, well informed commercial insurance agent can provide invaluable input and advice in these matters. He or she can often identify areas of the business that might not be included in customary policies and which may require special riders to fully protect a business from huge potential losses which the owner, and even the accountant, may miss. Also a good commercial insurance agent can help in finding the most economical coverage for a particular type of insurance important to the business.


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Groups and organizations continue to voice their opinions on the ethanol compromise that Senators Dianne Feinstein, D-Calif., Amy Klobuchar, D-Minn., and John Thune, R-S.D., have reached. The agreement ends the Volumetric Ethanol Excise Tax Credit and the tariff on foreign ethanol by the end of July.
Thune says the bipartisan compromise comes after productive discussions with industry stakeholders over the past several weeks and reduces the deficit without pulling the rug from under American renewable energy producers.
National Farmers Union President Roger Johnson says the ethanol compromise is a sensible plan to reduce the deficit and continue investing in renewable fuel infrastructure. Johnson says NFU has long maintained that such investments are necessary in order to ensure that ethanol is on a level playing field with oil and to provide consumers greater choice at the pump. He says it's important to make sure that next generation biofuels are properly funded so the U.S. can continue down the path of energy independence.
Renewable Fuels Association President and CEO Bob Dinneen calls the compromise sensible policy making that American voters want from their leaders. Dinneen says it's not the perfect compromise, but it demonstrates the willingness of ethanol producers and advocates to do their part to address budget concerns while not sacrificing the progress of the industry.
Advanced Ethanol Council Executive Director Brooke Coleman says there are enough ingredients in the agreement to move the conversation forward, but there's a fundamental problem with how the advanced biofuels piece is crafted. Coleman says the last minute switch from a yearly credit to a gallon-based, capped credit adds unnecessary layers of uncertainty and risk for the financing community. She says AEC looks forward to working with Congress and the Obama Administration to fix the deficiencies before the proposal is enacted into law.
A coalition of livestock and poultry groups including the American Meat Institute, California Dairies, Inc., National Cattlemen's Beef Association, National Chicken Council, National Meat Association, National Pork Producers Council, and National Turkey Federation released a statement today regarding the compromise.
"We appreciate the work done by Senator Dianne Feinstein in her effort to end the VEETC and tariff," the coalition statement said. "However, the resulting compromise still provides new federal funds for corn-based ethanol, money that would be better spent reducing the deficit or encouraging the development of energy sources that do not compete with feed needs."

subset: commoncrawl


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Dried pineapple pieces make a great snack when you are on the go and kids love them! This dried fruit is very sweet and light in color. It makes a great snack. This fruit is low temperature dried to preserve any vitamins and enzymes.
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My Troll Patrol: Be Responsible eBundle includes the following digital downloads:
• eBook My Troll Patrol: Be Responsible – 32 page beautifully illustrated book that teaches
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Posts Taggedcosts
Saving the world one tree at a time. In an age where, more than ever, mankind is on alert and educated about environmental issues, this could be the ideal motto of any environmental NGO, or the slogan of a campaign aiming to stop the deforestation in Amazon's rainforest. But it isn't.
In fact, that is the motto of iPrint, a free app for Windows developed by Inzone Software. It is designed to give you an improved and more intuitive control over the printing process, which many printers, specially the older ones, do not allow. If you want to reduce your paper and ink consumption, both saving the planet and a few extra bucks, iPrint is just the app to have.


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Results tagged ' Celebrity Rehab 5 '
Found New Respect for "Doc" Gooden
Sometimes in life our role model or people we come to admire do not get that respect and admiration for what they have done on the diamond. Sometimes it comes from actions, reversals of their previous bad intentions to themselves or other, but in the end their true colors find a way to shine bright.
Not everything we do in life is simple, defined or even the right path, and this one former ballplayer definitely fits that bill to a "T". Kirk Radomski's was a New York Mets Clubhouse staffer during the beginning and most of this ballplayer up and down career. He saw the talent, the generosity and ultimately the decline of a person who got caught up in a drug whirlwind that he could not escape.
In his novel "Bases Loaded" he revealed early on in the book ( pages 31-33 ) about 2 separate MLB Drug testing incidents where a ballplayer adamantly asked him to take his MLB urine test for him because he feared a positive result. It was the era where ballplayer were beginning to use extra curricular drugs like marijuana and cocaine.
The first instance happened in July 1988 when Dwight Eugene Gooden feared for his career after testing positive previously. Gooden approached Radomski shaking and told Radomski, "The pee guy's here and I can't pee. I went out with a couple of guys the other night, and if they test me, I'm going to get suspended".
Randomize fashioned a plan that was executed perfectly to get a positive test result for Wooden. Then again two weeks later, Gooden again asked for another favor. Again the result came back positive since Randomize did not partake in after hours recreational drugs and no traces of any substance was found in Gooden's test sample.
Finally when asked a third time for help, Randomize had to bring the "tough love" and refused to help Gooden. He was suspended Radomski asked Gooden to consult then New York Mets Team Substance Abuse Counselor Dr Alan Lans. It was a solid action by Radomski, and possibly by Gooden finally being "outed" and found with traces in his system, the mending process could begin.
It has been a long time since that period in 1986, and Wooden has had an on and off again battle with the demon that first took some of his brilliant career away from him in Flushing, New York. His oldest son, Dwight Gooden Jr was also born in 1986 in this same time of turmoil.
Not until recently when watching VH-1's "Celebrity Rehab 5 ", where Gooden is a patient did I hear of the idea Gooden had for his son and himself, and it broke my heart. Gooden wanted to hang on in baseball until his son came of age and got drafted, and wanted to play on the same team with him before finally retiring.
Instead they both spent time at Orient Jail in Hillsbough County (Tampa, Florida), Dwight Jr for a drug trafficking charge, and Dwight Sr for DUI and driving on a suspended license. No baseball field for them to play on, and only orange jumpsuits for uniforms.
It takes courage, a drive and a straight forward conviction to take on your demons and drive them from your life. In this episode of "Celebrity Rehab", both father and son came together and finally began to repair that bond between the parent and their child. So many other families go through this same scenario daily, in this instance, father and son embraced and promised to be each other's guide.
Finally facing the guilt, shame and remorse of not being their for your children is a giant burden for anyone to hold, much less a man who once held the Big Apple firmly within his pitching hand.
When I saw that bonding moment between father and son, I found a new respect, admiration and want for Gooden to defeat this demon just like he did on a pitching mound so many times before. I have Gooden's autobiography "Heat" on a shelf in my home, and will take it down and begin reading it this week during my trip, hoping to get to know this alter-self of Gooden.
Our heroes, champions of right and wrong and people do defeat the odds are what pulls us to players like Gooden. His struggles are not our own, but we empathize, want to give a hand or even guide them after they admit their shortcomings.
Everyone knows and addict has to live life "One day at a time", and a slip, fall from grace or even a full blow episode is just a bad decision away. But I heard something different in Gooden's voice on the show. Along with the heartfelt letter he wrote out to his kids telling them how he he has apologizing to his kids for "basically divorcing you guys for drugs," the healing was started.
Some people look forward to a players fall from grace, providing a defining moment of bad judgment or consequences that makes them human. Other like myself want to extend a hand, give a friendly pat on the back or claim admiration for someone who once made us cry by his actions on the field, and humble us by his admittance of his past and present faults.
I wish you sobriety, courage and a continued positive life affirming results to a man who was born in Tampa Bay. Know there are hundreds beside myself you also wish and pray this same sentiment for you. Go get 'em Doc!


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Hot House Standard Roof 1800 x 1800 (6ft x 6ft) (2500 high)
Grow your own produce all year round. It's a great lifestyle choice and very rewarding. Our hot houses are designed for backyard propagation and growing of vegetables and plants from seeds, cuttings or seedlings.
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This Standard Roof House is also available with a Shadecloth cover instead of the Solarweave Plastic. Click here.
Benches, pots, fertiliser, bottom heat propagation products are also available.
This product exceeds the Australia Post freight parameters, so you are unable to order online. Please click here and complete the customer enquiry form and email or fax to us. A representative will contact you about your enquiry.


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HIV Frontlines: An Interview With Kathryn Anastos, M.D.
Welcome to HIV Frontlines_. In this series, we'll talk to a range of health care professionals who have both provided HIV care and trained health care workers in resource-poor areas throughout the world. From China to Ukraine to Rwanda, these inspiring clinicians are doing their part to make a difference in regions of the world where access to HIV treatment and care is only a shadow of what is generally available in the United States. Through these interviews, we'll get a glimpse of the realities of practicing HIV care in some of the world's poorest areas._
I'm here today with Dr. Kathryn Anastos, the executive co-director of a community-based organization known as Women's Equity in Access to Care and Treatment (WE-ACTx). It is based in Rwanda and provides HIV primary care to women who were infected with HIV during the 1994 genocide. Dr. Anastos is also a professor of medicine, epidemiology and population health at Albert Einstein College of Medicine in the Bronx and has provided clinical care and leadership in the South Bronx for more than 20 years. Whether in the South Bronx or in Rwanda, Dr. Anastos is dedicated to working at the crossroads of HIV, race and gender. Her research centers on the role of sex and race in response to treatment, and the impact of HIV or HIV treatment on medical conditions prevalent in urban communities of color. Welcome Dr. Anastos!
Dr. Anastos, I understand you've just returned from one of your frequent trips to Rwanda. Before we discuss Rwanda, can you tell me where you started out in medicine?
|Kathryn Anastos, M.D.
I entered medicine as a vehicle for social change. Having graduated from high school in 1968, gone to Oberlin College, and then -- I actually had many years off from school. When I went back to college, I chose to go to medical school. For many years after training, I thought that maybe I had chosen poorly; that medicine was not a good vehicle for social change. But in fact, it is. It's been a deeply satisfying way to make a contribution.
So, I am trained as a primary care internist. I finished my training in 1983, within the first couple of years of the AIDS epidemic. In fact, I subsequently learned that one of my patients, whom I had cared for as a second-year resident, in 1981 to 82, was the first case of a woman accepted by [the] CDC [U.S. Centers for Disease Control and Prevention] to be heterosexually infected. Up until that point, the CDC had said: "Well, the women just must not be telling us the truth. If their partners were doing drugs, they're probably doing drugs too." I took care of both her and her partner.
Was this in the Bronx?
Actually it was at Montefiore. Montefiore [Medical Center] in the Bronx. Then I was a primary care doctor in the South Bronx, and if you're a primary care doctor in the South Bronx in the late '80s, you quickly learn to take care of HIV [-infected patients]. Although in those days, there wasn't much we could do.
Can you describe the population in the South Bronx?
The South Bronx was almost completely African American and Latino/Latina. Probably about 75% men and 25% women in those days. Almost all of the men had been infected through injection drug use, although there were some gay men in that group. The women had been infected through injection drug use, but equally likely -- or maybe even more likely -- through heterosexual transmission.
This was during those years before HIV treatment was available. How did you deal with having so few tools at your disposal?
There are two levels of answers. One is: there were things we could do. We could prolong life. It made a huge difference to provide prophylaxis for Pneumocystis pneumonia. When we started providing Bactrim, that made a big difference. We used sequential monotherapy for the antivirals, which probably made a difference. And then we helped people die. Really, that's what we did.
As for the patients and the families, we grieved a lot, because people were always dying.
In fact, that is a similarity with Rwanda. In the Bronx, even up to 1996 -- which is when we finally got effective therapy -- basically what we did was prolong life and help people die; help people get their responsibilities taken care of. For women especially, that meant their responsibilities regarding their children. We helped them find alternative guardians, so that when they died, they knew their children would be cared for.
Now in Rwanda, it feels remarkably similar to what I saw in the Bronx: especially when I walk into a hospital ward and find two people to a bed, very sick with HIV. Although that was two years ago. That's actually less common in Rwanda now.
The difference is, in Rwanda, even in 2004, if you walked into a hospital ward and many people were dying of HIV, there was hope. Which we didn't have until 1996, because now you know if you provide treatment, that people will live. If you can just get the HIV drug regimen in for two weeks, you can turn around that process that is inexorably headed towards death.
|Children and leader of virtual orphanage in Cynangugu (click to enlarge)
© Jonathan Wallen
How did you first get involved with Rwanda? What year was this?
We got involved in 2004 through a very specific event. Some of the women's organizations in Rwanda, the grass-roots organizations -- in this case through an organization of women who were genocide survivors, many of whom were HIV infected through genocidal rape.
In late 2003, one of these groups, AVEGA [Association of Genocide Widows Agahozo], sent what I think was probably a widely broadcast e-mail to many people, probably everyone they could think of who was connected to HIV and women. What they were asking for was help in accessing antiretroviral therapy. The reason they were asking that was that they had just learned that the perpetrators of their rapes, who were being tried in the international tribunal in Tanzania, that the perpetrators were being treated -- with state-of-the-art, triple antiretroviral therapy. I believe [it was] because they were [being held] under international law. The women were outraged. That's what we were responding to.
That e-mail did not come directly to me. It went to my co-director, Anne-Christine d'Adesky, who was a journalist. We put together a little group, got a little bit of funding from Stephen Lewis [former United Nations Special Envoy on HIV/AIDS in Africa] and did a feasibility trip in April of 2004, to see if in fact we had a skill to offer. That's how we started working in Rwanda.
What was your first impression when you went to Rwanda?
That it was a situation that could be completely turned around. It was a very emotionally difficult time, for Rwandans, and therefore for us. But more for Rwandans. It was the 10-year anniversary of the genocide. So this was a very emotional time. We met with many groups of women who were survivors, who were called the widows of the genocide. They said, between tears: "We're dying from HIV infection." Which they were. You could see it. "A lot of people come, and nobody comes back" -- which was heartbreaking.
You mean people come to Rwanda from the developed world?
Yes, they would come from the developed world, take a look around Rwanda and say, "Oh, I'm going to do something," and then they don't. Right? So we did. Let me add one other thing. The women's organizations had their own little clinics, where they had maybe one nurse or two nurses working with them. Basically they were giving palliative care -- they were helping people to die. Exactly what we did in the U.S., before 1996.
We didn't actually know Rwanda before we got there. We didn't know what the country was like, what the culture was like. Was it urban? Was it rural? In fact, it's mostly rural, but it's also very densely populated. So they're putting in centralized service works; meaning, putting in a clinic works, as opposed to having to have mobile services that go out into the community.
We thought we would do a model, sort of like a village worker model. The leaders of these organizations, all of whom were victims themselves, said "No, no, no. We know the model we think will work. Why can't you train our nurses to give good care for HIV, and provide us with a doctor to supervise them?"
And they were absolutely right. It was a great model. So that's the model that we implemented. We actually trained nurses within three weeks. We got nurses into training through the Rwandan government. None of this could have worked without the Rwandan government already being deeply committed to providing HIV care to all Rwandans.
|Mother and child at Keep a Child Alive Center of Excellence for Pediatric Care/Icyuzuzo Clinic in Kigali (click to enlarge)
© Jonathan Wallen
How did that come about? Was that something the women had been working on for many years?
Actually, the Rwandan government is a non-corrupt, mission-driven government. It is the people who stopped the genocide: the Rwandan Patriotic Front. When the war was over, when the genocide was over, in July of 1994, they inherited a completely devastated country. They had plans for what they would do if they won the war, but they had not planned on the genocide occurring. They had a deeply traumatized people and a shattered infrastructure in the country.
I wasn't aware of all the details of the Rwanda genocide, so I looked up some numbers. It was a 100-day genocide in 1994; 800,000 people were killed. Two hundred and fifty thousand Rwandan women were raped and 125,000 women are estimated to have become HIV infected.
Those [numbers] are approximately right. Some people say a million people died in the genocide, some people say 800,000. It's actually not entirely known. Those other estimates are the numbers that are usually used.
Seventeen percent or 24,000 women are still surviving with HIV. The rest, I guess, have died.
I would be interested in knowing where that number comes from, because I think probably more women are surviving. You would expect actually, that less than 50% would have died. People really did get treatment in around 2004, 2005, but the median time to AIDS -- almost every place -- is 10 to 11 years. Then, people don't necessarily die when they get AIDS. So you would think that in 10 years, more than 50% of people would still be living. Although nobody has tracked it; it's really hard to know.
In Rwanda are you dealing exclusively with people who contracted HIV in 1994, or are there new infections?
Actually, you can't really tell when anybody got it. They could have gotten it before 1994; they could have become infected after 1994. We do not discriminate. In fact it's illegal in Rwanda to choose one group of people over another group of people. If you provide a service, you have to make it available to everybody. And we do. We take care of women who are genocide survivors and women who are not genocide survivors, but HIV infected through some other mechanism, children and men. It happens that 80% of the adults we care for are women. Of those, about 50% of them are genocide survivors.
How did it work in terms of getting antiretrovirals, getting services, and getting all kinds of tools on the ground? How complicated has that been since you began?
I have to stress again that the Rwandan government had made a commitment -- that many people didn't know about, because it was just beginning to be rolled out. They had made a commitment that they would treat everybody who needed it. And the Global Fund for AIDS, Tuberculosis and Malaria and PEPFAR [President's Emergency Plan for AIDS Relief] were funding Rwanda's antiretrovirals and, to a certain extent, the infrastructure. But what was really missing was the infrastructure to deliver care. That was actually the skill that we had to share.
In spite of my being a specialist in HIV and women, and a researcher in HIV and women, the most valuable skill I had was that I had been an executive in a poor community, and developed large numbers of clinics to deliver ambulatory services.
Really, the shortages were the same. The situation was very similar: not enough space (Rwanda's a very overcrowded country. So is the South Bronx.), not enough doctors, maybe enough money and little existing infrastructure.
So our role there really is helping to provide infrastructure that can deliver the service -- that can bring people into care, deliver patient-friendly, cost-effective, high-quality service and that's linked to what the government already does, in ways that are not duplicative. Ultimately, these services belong to the Rwandans, not to us.
How often have you been going to Rwanda?
Usually I go about once a quarter, for a month. So every third month for a month. Sometimes it varies. This past year because of issues in my family, I went less frequently. Now I go more frequently -- since September I have made three to four trips. Also, when my children can come -- I have three daughters -- when my daughters can come, I stay longer.
What's your typical day like in Rwanda?
This last time I was there was actually really great. It was the first time that I did not have to do what I call "line management" -- you know, the basics of on-the-ground service delivery. We have trained a lot of people to do that. We have 85 employees. We have a management structure that really can supervise those employees. My role this time was to see how things were going; to meet with the staff, but to look towards other activities that the Rwandans feel would be beneficial. This past time, I spent time working on an initiative to do cervical cancer screening in Rwanda, which the Rwandan Ministry of Health is very committed to.
Do you know about cervical cancer and cervical cancer screening in so-called less developed countries?
|Mother and child at Keep a Child Alive Center of Excellence for Pediatric Care/Icyuzuzo Clinic in Kigali (click to enlarge)
© Jonathan Wallen
Tell us.
We don't have much cervical cancer in the U.S. We still have more than we should, but the reason we don't have it is that we prevent it. We prevent it by doing Pap smears. When you do a Pap smear, you find the early lesions of cervical cancer, which is caused by a virus: human papillomavirus. Then we treat it. When you treat it, you prevent the progression to cervical cancer.
Whereas in most lower-resource countries, there is no prevention of cervical cancer. Like here [in the U.S.] before we screened, in those settings, cervical cancer is the leading cause of cancer deaths in women. It actually is a highly prevalent disease if it's not prevented. Very few lower-income countries prevent it.
But Rwanda is very interested in finding a way to screen and to prevent cervical cancer. We've been working with them on that. And it's not just me; I have two colleagues who do this. Dr. Mardge Cohen, whom you may know, who does a lot of AIDS work with women in Chicago, and then there's Dr. Diljeet Singh, who is a GYN [gynecological] oncologist, who also helps a lot with this work. So I did that.
The other big thing I did this last time was that I met with the medical school in an effort -- at their request actually, the request of the National University of Rwanda -- to develop some liaisons from my medical school, which is Albert Einstein College of Medicine, to the National University of Rwanda, to strengthen their curriculum and their teaching.
What HIV medications are available in Rwanda to patients?
Well, the first line is always -- I actually should say a little bit about this, because it really is a very good system, probably better than what we do. It's better for one reason, because they guarantee to treat everybody, although they're still rolling it out. They keep a lot of scientific control, evidence-based control, over how HIV is treated. So there is a protocol about how you start people on treatment, and what medications you use.
The first-line medications are always a nevirapine [Viramune]-based regimen, unless there is a contraindication to nevirapine, with either AZT [zidovudine, Retrovir] and 3TC [lamivudine, Epivir] or d4T [stavudine, Zerit] and 3TC. They come in single-pill, fixed-drug combinations.
Patients have to take the pill twice a day: one pill in the morning, one pill at night. And you get essentially state-of-the-art treatment. If they need to use an efavirenz [Sustiva, Stocrin]-based regimen, which here [in the U.S.] is Sustiva, they will do that. But then the regimen is a little more complicated.
Just to round out the picture, so you know how it really works, there are a couple of things that have to occur before someone is started on antiviral therapy. The first is: the patient must identify a buddy, or a family member: a person of their choosing who knows that they have HIV and who will attend a required three-day patient education course, with the patient. So every patient gets three days of education. I could never achieve that here for my patients. There is a real effort to educate the patient about what is important and then also to educate the doctor. The other thing that must happen is that there's a selection committee, which is a group of people. In the selection committee, every patient who is going to be started on antiretroviral therapy is presented to the group. There are many such groups. In the beginning, there was one such group, but now there are many such groups -- each of the sites that is providing antiretroviral therapy.
|Community members from Solidarity Association, a community-based organization in Kigali (click to enlarge)
© Jonathan Wallen
Tell me a little bit about the three-day education course that the patients are given. Are they taught about how HIV works? Are they taught about HIV drug resistance?
I actually don't know. I don't do that part. Although the big piece is: Why do you need it [antiretroviral treatment]? How do you know you need it? How well will it work? And why does it matter that you take it exactly as prescribed (meaning adherence)?
Are the patients paid to come to the educational sessions?
No, they're definitely not paid. In my opinion, nor should they be. Although we provide their transportation to get there. Many places do not.
What sort of second-line treatment is available?
The second-line treatment is a Kaletra-based regimen; a lopinavir/ritonavir regimen.
How do you make other medications available?
Every medication you use is Rwanda has to come through the government system; everything. There is a centralized procurement mechanism called CAMERWA, which is a French acronym; it's an acronym for French for the drug procurement system for the country. So the "R" in it is Rwanda: CAMERWA. If you think about it, that's actually a huge issue, that in many ways, we don't have. [The question of:] How do you get HIV drugs to people who need it? How do you make sure you have enough drug coming in? How do you make sure it gets to the clinics it needs to be in; and from the clinic to the patient, without getting diverted into a black market. And that you don't have what's called "stock-outs," meaning the entire country runs out of a drug. In which case, everybody who is on the drug would miss their doses.
And you feel that this system, run by the government, works effectively?
Yes, extremely effectively.
So what's going on with the patients who cannot access treatment yet? I know that there's a rollout, which started in 2004, but how close are we to treating 100% of the patients (who need treatment)?
I think they're probably halfway there. They keep numbers; they know how many people they're treating. I think it's close to 30,000. It's a small country, with an infection rate that's somewhere between 3% and 5%. Of the people who are infected, probably only a quarter to a third actually need treatment -- now. The rest probably will progress to needing treatment. They're actually doing a fantastic job.
Do you have available to you all the monitoring tests -- viral load, CD4+ count?
No viral loads. It's all done on the basis of CD4+ counts. But there are CD4's, which is not necessarily true every place else.
And resistance tests?
No. They actually have the equipment there, but, you know, it's 800 bucks to run a resistance test. [Laughs.] If you don't do viral loads, you don't usually do resistance testing. They probably do them in certain circumstances, but we have not run into that yet.
Do you feel that you can function without these monitoring tests?
Well, you do what you have to do. [Laughs.] Right? I think it's more important to reach more people than to use viral loads. I think actually that it's not even proven that you need the viral load. Maybe not even here [in the U.S.], but certainly not in these settings [in Rwanda]. A cost-benefit analysis would not necessarily lead you to do viral loads versus treat more people.
|Welcome dance at Solidarity Association, a community-based organization in Kigali (click to enlarge)
© Jonathan Wallen
In terms of mother-to-child transmission, what treatment is being used in Rwanda?
HAART [highly active antiretroviral therapy], triple antiretroviral therapy. It's not single-dose nevirapine. There was a brief period in Rwanda when single-dose nevirapine was used, but pretty much, it's all shifted over to what we would consider state-of-the-art treatment. Without C [Caesarian]-sections though; here you might consider [that] state-of-the-art treatment might contain C-sections also. Which we would not do in Rwanda. Which I'm not so sure we should do here [in the U.S.] either.
Where do you get the financial support for the Women's Equity in Access to Care and Treatment (WE-ACTx) group?
Oh, we struggle, we really really struggle. [Laughs.] You know, we have some really dependable funders: Keep a Child Alive, whose executive director is Leigh Blake, who's really a pretty amazing person. They fund one whole clinic for us. Ronald McDonald Foundation has funded a family program. We do have a lot of enhanced services for the children who are HIV infected. Basically, it's built around family acceptance, the kids' mental health, and the ability to adhere to the treatment. So Ronald McDonald Foundation is funding us for a second year for that. Stephen Lewis Foundation has funded us quite a bit. But we really struggle. We are always, always, always looking for enough money to sustain the programs.
Are you the fundraiser?
I guess so. We're all fundraisers. Well, who's all? Basically there are three of us in WE-ACTx, which is the acronym for Women's Equity in Access to Care and Treatment: myself, Dr. Mardge Cohen and Anne-Christine d'Adesky. We do the fundraising as well as the work, which is very difficult; which really is burning us up. So we need a better solution.
Does the funding help pay for your trips to Rwanda?
No, we pretty much pay for our trips other ways. All the money we have specifically raised for WE-ACTx, we spend in Rwanda.
|Children at the community-based organization Solidarity (click to enlarge)
© Jonathan Wallen
Of all the countries in the whole world, did you ever think you would end up in Rwanda; that this would become a mission for you?
No, I didn't think about it. I guess I would have thought I'd end up in a Spanish-speaking country, because I have to speak Spanish to work here [in the Bronx.]
And Rwanda is English-speaking, isn't it?
Oh, how's your French?
It's okay. [Laughs.] My French gets better and better and Rwanda becomes more and more English-speaking, especially in medicine. I don't know if you're aware that the role of the French in the Rwandan genocide is considered pretty reprehensible, and with a lot of very ill will from the Rwandans, who recently cut off diplomatic relations with France. So they actually were sort of very deliberately changing the colonial language to English.
Wow. That's pretty dramatic. Are you doing any clinical trials in Rwanda?
No, but I do an observational study there similar to WIHS, the Women's Interagency HIV Study.
That's the one you're involved with here in the United States.
Yes, which is an observational study. We were very successful actually; we enrolled a thousand women in Rwanda in less than six months. I'm not sure that's been done anywhere in the world. Certainly not in the U.S. though. It would be very hard to enroll that many people. Let me say why we were able to do that. In fact, this comes back to something I should have said much earlier.
All of our work occurs through grassroots organizations. The original groups who approached us, as well as now 20 other groups -- we have 24 grassroots partners who are very community based, which provides this incredible reach into the community. Some of them are HIV organizations, some are not. Like the Veterans Association -- we're the HIV provider for [them] and whenever anyone asks us to provide care, we do. Utilizing that infrastructure is part of what makes us successful as a high-volume provider, that the people are already being accessed by the organizations, or the people are accessing the organizations. It goes both ways.
When we started the research program, which we did after asking the Rwandan women (HIV-infected women) whether they thought it should be studied, we did it through these organizations. That's part of the reason why we were successful. Let me just tell you what the Rwandan women said, when we asked if it should be studied. This was on our very first trip there, in April of 2004. I asked the question: "Do you think that there should be research on this? Do you think that this should be studied?"
The women visibly startled and said, "Well, of course you have to study it. How are you going to know what happens to us if you don't study it?" Which is true, right? But what actually took some doing, to get the rest of the research infrastructure there. So we enrolled a thousand women in six months. We disenrolled about 60 women because they had not told us the truth about whether they were on antiretroviral therapy. They had to be na?ve to antiretroviral therapy to enter the study. We're now just finishing the fourth visit for 936 women -- with very high retention. And the retention is high, I think, because of the grassroots organizations with whom we work.
How can other health care professionals get involved?
It's very individual. For example, we have two clinics that are really HIV-dedicated, that we run with a Rwandan partner. But we're also the HIV provider in a public health center, which is how Rwanda wants all of the care to go; they want it to go through the public health centers. For example, the maternal mortality rate in Rwanda is very high. We see, as part of our mission there, lowering the maternal mortality rate, which will also lower the infant mortality rate. So midwives, for example -- working with us -- would be helpful. Although we do have a senior midwife already working with us, and all of this would go through her. But mostly what we need is money. Really. We don't provide the care, the Rwandans provide the care. What we do is help provide an infrastructure.
And that's with money.
Well, money and the knowledge of how to create a delivery system.
All the medications go through PEPFAR so you don't need medicine donations or anything like that?
No, in fact you can't do that. The Rwandans are very strict about that.
So if anybody knows of any fundraisers, you want to hear from them -- if they can raise money for the organization.
Now that you have this knowledge about working in Rwanda, do you ever think about going to another country and helping them as well? Have you gone to another country?
We're asked by many other countries to help. Once the communities hear about this mechanism of using their existing organizations, they can see how well it would work. So we're asked frequently by other countries. The [country] we've been most involved with actually is in the Congo. But there are two things that are kind of critical. One is [that] we must have financial stability before we go to any other countries.
The second is that the country itself makes a big difference. Our success in Rwanda is predicated to a great extent upon Rwanda itself, and the government's commitment and organization around delivering HIV care. [Without] that, it's a different task. It doesn't mean it can't happen, but it really is a much different task. We would have to do a different kind of feasibility assessment before we would actually start delivering care. That pertains to the Congo. There are probably other countries -- Uganda, Kenya -- where it could work almost as well as it works in Rwanda.
Your story is certainly inspiring. It's amazing what two or three women can do. [Laugh together].
My daughter said that. My middle daughter came [to Rwanda] in early 2004 when we were really just starting. It was me, my daughter and one intern. It was obstacle after obstacle. And one thing she said right away, she said: "You know, when you come here" -- she was in high school at the time -- "When you come here you realize that all the things we worry about at home, they don't really matter." And she didn't mean material things, although of course that was included; what she meant was things like: "What are your grades? What are your AP scores? What are your SAT scores?"
We beat the kids up about this stuff. That's what you want your kids to see when you go someplace else. That that's not what life's about. That's not what's important. What's important is making a real difference, to people who need it. But the other thing my daughter said was that she learned how even one person can make a difference if they just keep going. Just keep doing it. Assess the obstacles; overcome the obstacles. Just keep going. [Laughs.] So you're right.
|Women leadership of Solidarity, a community-based organization in Kigali (click to enlarge)
© Jonathan Wallen
Since 2004, 30,000 people have gotten on HIV treatment in Rwanda?
Yes. Which means 100,000 are probably in care. I would look those numbers up myself before I would give them to you -- as the actual numbers -- but ...
So that's an amazing rollout.
Yes, it's incredible. They have done an incredible job.
These are just two or three clinics? Is that correct?
No, Rwanda does it in many clinics. For example, in our clinics, we have 5,000 people in care. And maybe 1,400 on antiretrovirals, which until recently, were actually provided in a government clinic. We didn't provide the antivirals. The government wanted us to refer the patients to them so we did. Now we provide the antivirals in our own clinic. But Rwanda's rolled it out through their public health delivery system.
Well, thank you so much. This has been really inspiring. I hope we can inspire other people to donate money. Is there a Web site people can go to?
Yes, actually the Web site is important. It's www.we-actx.org.
People can donate money on the Web site?
Yes. They can also donate through Crossroads Fund in Chicago.
Thank you, Dr. Anastos.
Thank you.
To support this work, Dr. Anastos is not only accepting donations, but seeking volunteers. Click here to find out more about volunteer opportunities in Rwanda, or e-mail Dr. Anastos at email@example.com.


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Reviewed by Kassidy M. (age 9)
My favorite part of the story was when Sam, Alex, Adam, and Ashley went on a treasure hunt, because they made it exciting! The story reminds me of when I went to an art museum with my class and I enjoyed it, because it was so much fun. I also liked Alex, because she came up with a terrific idea, such as to go to a restaurant to eat.
I recommend this book if you like characters who come up with bright ideas. I also recommend this book to Courtney, because it is a humorous, exciting, and fun book to read!


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Fit Irridescent Stripe Running Vest - black
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VogaCloset is a U.K.-based online fashion store offering the latest women, men and kids trends from the runways directly to the closets of fashion enthusiasts in the Middle East.


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Flying Squirrels
Northern flying squirrels (Glaucomys sabrinus) and southern flying squirrels (Glaucomys volans) are the only two native flying squirrel species found in North America. They are both gray-brown, but the northern flying squirrel has belly fur that is gray at the base, and for the southern flying squirrel the belly fur is all white. Flying squirrels might more appropriately be called "gliding squirrels," because they aren't capable of true powered flight that a bird or a bat can do. Flying squirrels glide. They have a special membrane between their front and back legs that allow them to glide through the air between trees. When a flying squirrel wants to travel to another tree without touching the ground, it launches itself from a high branch and spreads out its limbs so that the gliding membrane is exposed. It uses slight movements of the legs to steer, and the tail acts as a brake upon reaching its destination. Flying squirrels can cover more than 150 feet in a single glide!
Size is one way to tell northern and southern flying squirrels apart. The southern species is smaller, about 8 to 10 inches in length. Northern flying squirrels are 10 to 12 inches long.
Flying squirrels are omnivores. They eat a variety of foods including seeds, nuts, fungi, fruit, and insects. Southern flying squirrels are considered to be one of the most carnivorous squirrels because they supplement their diet with eggs, birds, and carrion.
Flying squirrels make great escape artists, thanks to their superb gliding abilities. Once a flying squirrel lands on a tree trunk following a flight, they promptly scurry to the other side of the trunk to avoid any predators that may have followed them. Nevertheless, owls, hawks, tree snakes, and climbing mammals frequently manage to catch and consume these tiny rodents.
Typical Lifespan
Flying squirrels can live up to 10 years in captivity, or about half that in the wild.
Flying squirrels live in deciduous and coniferous forests and woodlands. They make their homes in woodpecker holes, nest boxes, and abandoned nests of birds and other squirrels. Sometimes multiple squirrels will nest together to keep warm in the winter.
The southern flying squirrel is found throughout the eastern U.S., from Maine south to Florida and west from Minnesota south to Texas. The Northern flying squirrel has a much patchier distribution, but is found primarily in the northeast, along the west coast, and into Idaho and Montana.
Life History and Reproduction
The northern flying squirrel mates once per year, but the southern flying squirrel mates twice. When the young are born, they rely on their mothers to care for them for two months.
Fun Fact
Humans have long been envious of the flying squirrel's gliding abilities. Base jumpers and skydivers have developed a special suit that mimics the flying squirrel. The suit works to slow their descent and allows them to maneuver through the air.
Conservation Status
Flying squirrels are common rodents in many parts of the country, but because they are nocturnal, few people ever see them. Two subspecies of northern flying squirrel are federally listed as endangered due to habitat loss.


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Photos of Chanel Spring 2011 Haute Couture Runway Collection
Karl Lagerfeld Chooses Kristen McMenamy As Bride for Chanel's Spring 2011 Couture Collection
>> Chanel's current ad campaign spans three generations, and at the brand's couture show today, Karl Lagerfeld highlighted the idea that Chanel is for any age, tapping 40-year-old Stella Tennant to open the show and 45-year-old Kristen McMenamy to close. VIPs galore filled the front row: Kirsten Dunst, Ines de la Fressange, Pedro Almodovar, Karen Elson, Alexa Chung, Daphne Guinness, Diane Kruger, Vanessa Paradis, and Jerry Hall, plus Baptiste Giabiconi, who, for once, didn't walk the Chanel runway. As previewed yesterday, the collection was filled with black patent mule flats and tunic dresses over skinny pants, and at the end, Lagerfeld, joined by his bride McMenamy in a dress fitted with an embroidered train of thousands of gold beads, blew the audience a kiss.


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Anaheim Hills, Ca — For 12 years Mike Salerno ran his own clubs, Precision Fitness in California, but recently, he decided to take that personal training studio model and launch a franchise version of it. Salerno sold two of his three clubs to franchisees last year so that he could concentrate on franchising the business. He plans to have 10 franchises open by the end of this year, focusing initially on California.
"We are high quality for a low price," Salerno says about the franchised clubs.
Precision Fitness franchises combine weight training, cardiovascular exercise and nutrition into individualized programs for $18 per session. Sessions typically run 90 minutes. Often, a group of four to five individuals will work with one personal trainer in a 1,400-square-foot facility that is equipped with one piece of each type of equipment needed.
"The way we time it, no one has to wait for any of the equipment," Salerno says.
By offering personal training in a group setting at a lower price, Salerno says he's made personal training more affordable for the general public. Salerno and franchisees don't collect monthly membership fees. Instead, customers pay an $18 fee for each session. Most clients come in three times per week, Salerno says, adding that the low price helps with retention, too.
"With the pricing plan, we've been able to keep clients longer," he says.
Startup costs for franchisees are $80,000 to $85,000 (including the initial $25,000 franchise fee), he says. Monthly franchise fees run $500 flat minimum or 5 percent of gross sales, whichever is more. Because most of the clubs have low overhead with just two personal trainers, cable TV, water and electricity costs, most club operators can expect to operate for $5,000 per month, Salerno says. Typical revenue each month is $15,000 to $20,000 per month, he adds.
"All the gyms we've done have been in the black from day one from pre-signs," he says.
The company requires potential franchisees to have three months of working capital and a background in fitness with a nationally recognized personal training certification. If they don't have one of these certifications, Salerno will require them to complete his own nutrition and physiology training.
Despite the need for a fitness background, potential franchisees don't need a business background, Salerno says, because the company offers franchisees all the business training plus all the accounting, billing and scheduling software that they need.
The company helps franchisees select their site, locating most of the clubs in B-tiered strip malls to keep rents affordable.
Franchisees also receive marketing and advertising support from the company, although Salerno says that the company does little advertising because most business comes from word of mouth.
"All our gyms do 10 new clients a month," he says.
So far, Salerno hasn't added any new staff to support the franchisees, but he says that after the first 10 franchises are open, he will add more support.


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Why See Jim Gaffigan?
The Quality Time tour
As a stand-up comedian, Gaffigan's clever, quiet, and family-friendly style has earned him a a rapid rise through the comedy ranks, and he now stands as one of the country's most popular comedians. His eponymous sitcom on TV Land, which sadly isn't coming back for a third season, broadened his appeal still further, to such an extent that he was picked by KFC to be replace Norm McDonald as Colonel Sanders in their TV ads. One of only 10 comedians to ever sell out Madison Square Garden, he's a New York Times bestseller and a Grammy nominee, as well as a father of five (phew).
His latest tour, the Quality Time tour, delves into many of Jim's favorite topics, from family life to his Catholicism, to battles with various food stuffs (hot pockets beware!).
Additional Information
Performance date: 26 April 2019
May not be suitable for younger audiences - parental guidance is recommended
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A series of pictures from my office window.
Friday, June 12, 2009
Redmond Barry Building Views: 4 Seasons in One Day
By jeromyanglim on Friday, June 12, 2009 Labels: random 0 comments
Saturday, June 6, 2009
Upcoming Conferences
I'll be attending a couple of conferences in Europe in early to mid July, 2009. So, if anyone who reads this blog will be attending, feel free to say hi.
- 11th European Congress on Psychology in Oslo: I'll be presenting a talk: "The effect of warnings on personality test faking in employee selection"
- Directions in Statistical Computing in Copenhagen
By jeromyanglim on Saturday, June 06, 2009 0 comments
Normality and Transformations: A few thoughts
A lot of researchers ask me about normality and transformations. This post sets out some my advice on assessing normality and dealing with violations of the assumption.
By jeromyanglim on Saturday, June 06, 2009 Labels: bootstrapping, normality 0 comments
Learning R for Researchers in Psychology
R is a powerful open source environment for statistical computing. This post provides a selective list of resources for getting started with R including thoughts on books, online manuals, blogs, videos, user interfaces, and more. At the end of the post are some R resources specific to researchers in psychology. (UPDATED 4th May 2011)
By jeromyanglim on Saturday, June 06, 2009 Labels: R 3 comments
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text: John Rasmussen '11 Posted on November 15th, 2018 by Gustavus AlumniHome IconFront of a house with a slanted roofHomeBlogs at GustavusAlumni Blog John Rasmussen '11 is a first year student at the University of St. Thomas School of Law. This news was submitted using our Submit Your News form. If you have any news you'd like to share, please let us know! Facebook IconFilled in rounded square with a lowercase f insed on the right side Share Twitter IconThe Twitter bird Tweet Google Plus IconLowercase G with a plus sign next to it on the right Share LinkedIn IconLowercase letters I and N next to each other inside a rounded square Promote Categories: SubmittedTags: 2011, John Rasmussen Comments are closed.


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Brown Bag Coalition
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Indicative Rate * AU$105 to AU$219
Set in over three hectares of lush tropical gardens, Hotel Grand Chancellor welcomes you to the tranquil seaside village of Palm Cove, gateway to the Far North Queensland's top heritage attractions such as the Great Barrier Reef and Daintree Rainforest.
The resort is the perfect spot for a relaxing holiday, featuring two swimming pools, restaurant, bar, alfresco dining, massage, beauty and hair salon, games room and is right next door to the Palm Cove Country Club and Golf Course, all within five minutes walk to the beach. Hotel Grand Chancellor Palm Cove also has a dedicated Conference and Events Centre, catering for up to 500 guests. Wedding ceremonies and special occasions are memorable events being in such a beautiful location.
Palm Cove is situated 30 minutes north of Cairns and 40 minutes south of Port Douglas. It is approximately 20 minutes from Cairns International and Domestic Airport.
Whether you are planning an adventurous trip with the family to visit the many regional attractions or just need a break to unwind, Palm Cove with it's iconic palm tree lined beach, is waiting for you to book your next break away.
The Resort Room is a modern, spacious room featuring two double beds, ergonomic comfort, satellite television and in-house movies. The rooms overlook tropical gardens or resort pools with private balcony and sleep up to three adults.
Note: Information on listed products and services are provided by the operator and were correct at the time of publishing. Rates are indicative based on the minimum and maximum available prices of products and services. Please visit the operator's website for further information. All prices quoted are in Australian dollars (AUD).


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Our Pedagogical Approach
UNITAR's pedagogical approach hinges on three levels of interaction. At the first level, the participant interacts with the training content. At the second level, the participant interacts with other participants to share experiences and learn in a contextual manner. At the third level, the participant interacts with international experts who moderate each e-Learning course for its entire duration. Our e-Learning courses thus attempt to create a networked learning environment, in which participants have the flexibility to learn at their own convenience and pace but also are able to interact with peers and experts through the discussion board facility.
Our Target Audience
Our courses cover a wide range of issues in the field of public finance, debt management and financial sector development. They are primarily intended for professionals working in these areas from the public and private sectors, academic institutions, think tanks, as well as from civil society.
How does e-Learning Work
Generally speaking, e-Learning refers to the use of the internet to deliver learning or training programmes. E-Learning involves moving the learning experience out of the traditional classroom and into the learner's world. It means the participant can learn at any time, any place and without geographical or scheduling barriers. It is learning that relies on the internet for accessing learning materials and interacting with experts and fellow learners. As a participant, you will be able to access our courses from any computer which has an internet connection (once you have a username and password from UNITAR). E-Learning offers a unique opportunity to interact with participants across the world, creating a network of participants with similar professional interests, but with very different cultures and backgrounds.


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Ktix Choker Lilac
Ktix Choker Lilac
Our chokers are handmade by skilled women artisans in Guatemala. Each choker is one of a kind, made with care and dedicated skill. Wear with a scoop neck shirt or stack them for a cool dramatic effect!
Details + Care:
- Materials: Czech Beads
- One Size: Length is 14.5 inches.
- Colors: Lilac & Mauve.
- 25% from this sale will be donated to charity. Learn more about our donation program here.


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In a move intended to prevent foreclosure for thousands of homeowners and shed some seriously delinquent home loans, the Federal Housing Administration will sell off distressed mortgages in bulk, the housing secretary said Friday.
The housing administration aims to sell 5,000 mortgages each quarter beginning in September.
The agency is burdened by more than 700,000 seriously delinquent mortgages, most of which originated from 2007 through 2009. There are restrictions on how deeply those loans can be modified as long as they are backed by the agency.
The housing secretary, Shaun Donovan, has supported debt reduction for certain homeowners who owe more than their homes are worth and helped negotiate the $25 billion national settlement with the nation's largest banks over foreclosure abuses, which includes homeowner debt relief. Administration-insured loans are technically eligible for debt reduction, but not many are expected to be reduced because banks are more likely to address loans not insured by the agency.
Selling the loans could create a backdoor route to debt reduction. Investors who buy them would have greater leeway to reduce principal or offer rent-to-own plans and other means of making the mortgage affordable, Mr. Donovan said at the Clinton Global Initiative in Chicago.
Homeowners whose loans are sold "might get a call to say, 'Hey, we're willing to cut your payment dramatically, or cut the balance on your loan dramatically,' " he said. "There are going to be a set of options that might arrive on that doorstep as the best news that homeowner has ever heard."Continue reading the main story
To be eligible for the program, loans must be more than six months delinquent and must have been through the administration's available foreclosure-prevention programs. The loan servicer must have begun the foreclosure process, and the borrower must not be in bankruptcy. Investors would have to halt foreclosure proceedings for at least six months and would have to agree not to sell half the properties for at least three years.
For the program to work, the agency will need to sell the loans at deep discounts. The agency now receives only 36 cents on the dollar for a foreclosed home. So the agency may be able to offer a price attractive enough for investors without losing money. It has sold more than 2,000 distressed loans as part of a pilot version of the program announced on Friday, but a spokeswoman could not confirm how much the sales had yielded.
Rick Sharga, the executive vice president of Carrington Mortgage Holdings, says investors typically pay 40 to 60 cents on the dollar for seriously delinquent loans, depending on the local market and matters like whether foreclosure required judicial proceedings.
He applauded the housing agency's program and said investors like Carrington would be interested, but added that some of the limitations placed on the sales would hold down their value. For example, an investor might estimate that 80 out of 100 homes in a pool of mortgages would have to be sold within three years, but the deal would allow only 50 to be sold.
"The greater selectivity the investor has in what's in the pool, the greater the likelihood they'll be able to live with what F.H.A. is offering," Mr. Sharga said.
In Chicago, Mr. Donovan and Carol Galante, the acting commissioner of the housing agency, barely addressed the budgetary aspects of the program, instead emphasizing the potential to help homeowners — both people who are behind on their payments and those whose property values are threatened by neighborhood foreclosures.
Mr. Donovan also mentioned the agency's efforts to encourage more refinancing at lower interest rates for borrowers who are current on their mortgage payments. On Monday, reduced fees go into effect that will save homeowners with agency-backed loans an average of $1,000 a year when they refinance.Continue reading the main story


text: 7.10 Nondisciplinary Procedures for Academic Misconduct A faculty member possesses the well-established prerogative to deal with academic misconduct committed by a student in a course by applying an academic penalty within the context of that course. Because such conduct also constitutes a violation of the University's disciplinary rules as stated in this Code, it is appropriate to state the manner in which the disciplinary and nondisciplinary processes shall interrelate in such a case. Non-disciplinary Treatment Conference Held. If a faculty member has information indicating that a student has committed an act of academic dishonesty, the faculty member shall hold an informal conference with the student. At this conference the student shall be presented with the information and given an opportunity to explain or rebut it by any reasonable means. Academic Misconduct Indicated. If the matter is not satisfactorily resolved (such as by exoneration of the student) by means of the informal conference, the following procedures shall apply: Imposition of Academic Sanction. The faculty member may impose one or more academic sanctions appropriate to the circumstances, such as requiring a revision of the assignment in question or completion of a new assignment, giving an oral or written reprimand, awarding an F for the graded work or for the entire course, etc. Review – Grievance Process. The student shall have the right to seek review of this action by utilizing the normal grievance process (see Section 6.13). Notice to Dean of Students. The faculty member shall give written notice of the incident to the Dean of Students. The notice shall state the name of the student, the nature of the academic misconduct that occurred, and the academic sanction imposed. Disciplinary Record Entry. The faculty member's notice to the Dean of Students shall be placed in the student's disciplinary record. It may accordingly be considered in any subsequent disciplinary case in which disclosure of the contents of the disciplinary record is authorized under this Code. Disciplinary Treatment Faculty Member Referral. The faculty member may, in addition or as an alternative to application of academic sanctions, elect to have the matter handled within the disciplinary system by filing a complaint against the student, as provided in Section 7.3. Other Referral. Upon receiving two or more notices from faculty concerning instances of academic misconduct by the same student, the Dean of Students may have a complaint filed in the name of the University against the student for any such instances of misconduct. Finding of No Misconduct. A dismissal or finding of no misconduct in the disciplinary processing of such a complaint shall not require the removal of the academic sanction imposed earlier by the faculty member. However, the student shall have the right to request a review of the academic sanction by means of the grievance process, whether previously utilized as to the incident or not. The outcome of the disciplinary proceeding may be asserted as an arguably persuasive consideration in the grievance process.


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Tumblr is shedding its identity as a desktop-only blogging platform and expanding its mobile presence this month at a breakneck pace.
Monday brought promoted posts to Tumblr's apps, Tuesday saw the debut of a Windows Phone 8 app, and Wednesday delivered a refreshed iOS app with a slew of new features. The app was once just a mobile extension of the Tumblr website, focused largely on writing blogs and reblogging content.
Tumblr is going social with the latest version of its iOS app. Now you can share posts on Facebook and Twitter or email them to friends, taking content outside the realm of Tumblr and onto other networks.
Tumblr is also making it easier to save content with Instapaper and Pocket reader integration.
I probably wouldn't pen a lengthy blog post within the app, but the sharing and saving features make Tumblr's iOS app a viable alternative to using the platform on a desktop.
Hands on with the iOS app
I downloaded the upgraded app on an iPhone 4S, and it looks similar to the prior version. After testing the Windows Phone 8 Tumblr app on Tuesday, I prefer Tumblr's use of Microsoft's style guidelines for headings and the appeal of seeing images on the WP8's home and lock screens. Otherwise, the WP8 and iOS apps released this week look and feel similar.
Tumblr also added an essential feature from its website to the iOS app: the ability to view animated GIFs. GIFs are huge draws on Tumblr--sometimes it feels like GIFs comprise the bulk of the site's content--and now you can see them in their full, animated glory as you scroll down on an iPhone or iPad.
So which Tumblr app rules them all?
The iOS version has great functionality, but the WP8 app is a bit more stylish. The recently redesigned Android app is perhaps the most appealing, with a cascading row of round icons that appear when you tap to post.
See also:
No more smiley faces in Apple's App Store for developers


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It is not necessary to configure multiple application or Web servers and tunnel servlets in order to access multiple brokers; you can share a single server instance and tunnel servlet among them. To do this, you must configure the imqAddressList connection factory attribute as follows:
where brokerHostName is the broker instance host name and instanceName is the name of the specific broker instance you want your client to access.
To check that you have entered the correct values for brokerHostName and instanceName, generate a status report for the HTTP/HTTPS tunnel servlet by accessing the servlet URL from a browser:
The report lists all brokers being accessed by the servlet, as shown in Example C–1.


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The Toronto stock market registered a modest gain Tuesday amid data that showed severe winter weather is having an impact on U.S. economic performance.
The S&P/TSX composite index climbed 22.71 points to 14,077.47. The Canadian dollar moved up 0.27 of a cent from Friday's close to 91.32 cents (U.S.) amid higher prices for oil and metals.
New York indexes were mixed as the Empire State Manufacturing Index for February, a gauge of manufacturing activity in the U.S. Northeast, declined to a much worse than expected reading of 4.48 in February. That was down from 12.5 in January.
The Dow Jones industrials fell 23.99 points to 16,130.4, while the Nasdaq was up 28.75 points to 4,272.78 and the S&P 500 index added 2.13 points to 1,840.76.
Also, the U.S. National Association of Home Builders' housing market index tumbled 10 points to 46. Economists had expected a flat showing. But the NAHB also reported that its buyer traffic index fell nine points to 31 as fewer prospective buyers felt like braving severe winter conditions in many parts of the U.S.
Meanwhile, analysts believe the weather impact on the economy will be temporary.
"It's a short-term blip," said Sadiq Adatia, chief investment officer at Sun Life Global Investment.
"I think, overall, as we get into the second and third quarters, we move past some of the weather stuff that's gone on, get back to good weather and start seeing better results coming through. I think the momentum will shift back towards a positive risk environment."
Meanwhile, there was also major dealmaking in the pharmaceutical sector. Actavis PLC announced it is buying fellow drugmaker Forest Laboratories Inc. in a cash-and-stock deal worth about $25 billion (U.S.).
Utilities led advancers, up 0.63 per cent with Altantic Power ahead 21 cents or 7.39 per cent to $3.05.
The information technology sector was up 0.52 per cent, largely because of a sharp rise in shares of BlackBerry, which jumped 50 cents or 5.07 per cent to $10.37.
The base metals sector advanced 0.42 per cent while March copper was up two cents to $3.29 (U.S.) a pound.
The March crude contract on the New York Mercantile Exchange gained $2.13 to $102.43 (U.S.) a barrel. The energy sector rose 0.49 per cent.
The gold sector rose about 0.3 per cent as April bullion climbed $5.80 to $1,324.40 (U.S.) an ounce.
The consumer discretionary sector led decliners, down 0.67 per cent as home renovation retailer Rona posted quarterly adjusted profit that decreased 28 per cent to $4.6 million or four cents per share, six cents per share below estimates. Same-store sales dropped 3.5 per cent due to poor weather in Ontario and Quebec in December and a decline in housing starts. It shares fell 79 cents or 6.39 per cent to $11.58.
In other earnings news, Choice Properties Real Estate Investment Trust reported an adjusted profit of $36.8 million (Canadian), which came in above a forecast of $34.6 million when Choice prepared its initial public offering last summer. Funds from operations, another key financial measure for real estate companies, were $82.8 million compared with the forecast of $78.9 million. Its units were eight cents lower at $10.37.


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Reviewed by Raziel C. (age 8)
This book makes me sad because lots of ferrets were dying because there were a lot of wolves and foxes eating them. Since I have seen a ferret before, I liked this book. I don't think a ferret would be a good pet because I learned that it can be hard to take care of them. My favorite part of the story was where the baby ferrets are born. Baby ferrets are smaller than your hand when they are born.
I recommend this book to kids that like ferrets because it has lots of details. You can learn a lot about ferrets if you read this book.


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How many of us have wanted to leave the 'rat race' (who does 'race' rats?) and open a cafe or tea shop? Especially one set in a village close to wonderful rolling countryside and just a few miles from the sea?I have just come back from a weekend catching up with friends from our years spent in Brighton & Hove. It is a part of the country we still love, although as soon as we left we knew the cost of moving back would be prohibitive. Classic commuter country villages with the benefits of the city scene in Brighton make it very different from the Somerset we live in now. So we make the most of our invitations back and try to meet up with as many people as possible.
So on Saturday we popped in on our old mate Chris Wilson, who I have previously remembered best as the guy who, fifteen years ago, encouraged me to drink three cocktails involving about 10 different spirits. The results were of course predictable, but less predictable at the time would have been the sight of him behind the counter of his very own cafe, making me a cup of fresh ground (and very strong) coffee.
Chris has done what many of us dream of. Already living with lovely Karen and the kids in the West Sussex village of Hassocks, he left his job in a local authority and invested his money in his own ethical, local cafe and meeting space. Blessing it with the wonderful name 'The Purple Carrot' he opened in May (before it was, strictly speaking, ready for the big launch) and set about his task of challenging the mass-market global coffee chains. If anyone can do it, Chris can. Anyone who has played golf with him is well aware of his determined, competitive streak. Actually, I have been there when it has been referred to as something quite different….
The Purple Carrot will provide tea, coffee, cakes – local and ethically sourced food and snacks, as well as smoothies and shakes. Chris also hopes to offer light evening meals as soon as the kitchen is completed. He has had to endure endless negotiations with the local council and that hit me as something not many of us consider when imagining the dream – the beaurocracy has been a nightmare, even for someone who spent 19 years working for a local council. Frustratingly, the previous owners of the premises he has taken over ran some sort of beauty-come-massage parlour that was never once inspected by any of the officers who have pored over every word in Chris's applications. He wanted to be honest and up-front and it has cost him dearly. Remember that – those of you out there thinking that no-one will worry about that oven you want to bake your scones in…..
Chris is doing the things we would all like to expect from new cafes. He is keen to promote local food suppliers and wants to work according to ethical standards. This isn't easy of course and it is much more expensive. Of course even the sunny south coast cannot yet manage to grow coffee beans successfully (especially in the recent weather…) so some smooth, strong beans from ethical traders have been sourced; but cakes will be home-made out of good things. He also wants to encourage book and other community groups to use the space and has already had a number of enquiries about regular bookings. It is a great opportunity if the local population will embrace it.
When we used to live in Wiveliscombe here in Somerset there was a converted chapel that doubled as gallery space for local artists. If it hadn't been run by someone without any eye to business at all it would have been a lovely place to spend a lunchtime or have a chat over a coffee. Chris is doing something similar and when we visited some fabulous artwork by Olga Forster graced the walls. Sadly it is too expensive for me but if there were postcards available…
Anyway, this isn't just an ad for Chris, although it wouldn't matter if it was, so supportive am I of the ideas behind what he is doing. As we sat in the cafe on Saturday, discussing how The Purple Carrot, with free wi-fi (really free – not like Costa where it gives you half an hour if you are lucky) could become a haunt for impoverished writers, I started to think more about how we all, in our different ways, look to 'live the dream'.
I was desperate to write and when redundancy left me at home with no excuses and a mortgage to pay I took my chance. I am never going to have 'enough' money (whatever that may mean now) but seeing articles in magazines and books like Dandelions and Bad Hair Days coming to fruition none of that seems to matter. Instead of writing formulaic strategy documents no-one ever read properly, I am 'creating' something that has a tangible, original existence outside of myself and I am more my own person than I have ever been. Who was it said 'no-one lies on their death-bed saying "I wish I had spent more time in the office" '?
However difficult it has been for Chris to establish his cafe, and whatever challenges he faces in the coming months (and there will be many I'm sure) he could still stand behind the counter brewing freshly ground coffee and say "I'm working 110 hour weeks and it will take months to break even but hey, it is already twice as good as working for the Council"
So that is what I think 'living the dream' is all about. Not money, fame or a five-star review by Jay Rayner. Not the Kindle Top 100 or Sunday Times bestseller lists (though that would be nice..) The Dragon's Den may, if given the opportunity, have chewed Chris's business plan to pieces but I have confidence he will make a go of it and I wish him all the best.
And it was a great cup of coffee…..


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Stay in touch--receive our newsletter and updates about upcoming workshops, directly to your inbox!
To show our gratitude, you will receive the 25 minute Educational Version of Birth As We Know It (2006). After watching this documentary, you will never think about birth the same - it changes everything you thought you knew about it. It is a vivid inspiration for infinite possibilities that the Birthing Field opens for both men and women! Not to be missed!


text: The Atomic Pro CS is the ideal first skating boot. And thanks to its combi flex it's also great for classic skiing. Lightweight and with a 104mm sport last, the Pro CS combines sporty performance with superb comfort. The Forefit Lacing from forefoot to heel gives it an awesome precision fit that adjusts to your foot in a single motion. The boot features our Prolink outsole, which gives you an exceptional snow feel and is fully compatible with NNN® and Turnamic®. When you factor in the variable heel strap, you've got one of the most versatile, comfortable and user-friendly boots we've ever made.


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Results of a Christmas Tree Burning
Dec 3, 2010
During the winter months, the number of fires nationwide rises. Besides making sure you have working smoke detectors in your home, please make sure you keep your live Christmas tree adequately watered. When live trees are allowed to dry out, the results can be devastating, as witnessed by the following video.
Category: Public Service Announcements


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Find Your Perfect Home.
Coldwater Real Estate
Coldwater is located in Michigan. Coldwater, Michigan has a population of 10,844. Coldwater is more family-centric than the surrounding county with 33.65% of the households containing married families with children. The county average for households married with children is 28.9%.
The median household income in Coldwater, Michigan is $34,260. The median household income for the surrounding county is $42,538 compared to the national median of $53,482. The median age of people living in Coldwater is 34.2 years.
Coldwater Weather
The average high temperature in July is 80.9 degrees, with an average low temperature in January of 16.9 degrees. The average rainfall is approximately 37.3 inches per year, with inches of snow per year.
View Homes for Sale in Coldwater
Coldwater Map
Real Estate Near Coldwater
Nearby Cities
Nearby Cities Homes for Sale
Coldwater Zip Codes


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Eighteen years have passed since FreeSpace 2 and the destruction of Capella, and the shattered colonies of man are finally ready to re-open the jump node to Earth. As the Alliance teeters on the verge of total social collapse, the Security Council deploys the elite 14th Battlegroup to re-establish contact with Earth, and young pilot Samuel Bei finds himself once more under his estranged father's command. Age of Aquarius describes the journey of the 14th Battlegroup as its mission to the Blue Planet goes shockingly wrong. War in Heaven takes place eighteen months after the events of Blue Planet: Age of Aquarius and details the final stages of the civil war between Sol and the rest of her colonies: a war without good or evil, only shades of gray. Built at the cutting edge of the FreeSpace Open engine, Blue Planet is a fan-made conclusion to the FreeSpace saga, a story of sacrifice, triumph, and destiny, and one of the most beloved FreeSpace mods of all time.
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.
Progress on the mod continues. Screenshot by Aesaar showing off some new ship models for the Atreus, Hyperion cruisers and the Kumari installation.
Erebus, Hyperion by Aesaar.
Kumari installation by Vasudan Admiral.


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374 members161 Comments 12 Likes
Keith Q. Nguyen has not received any gifts yet
Hey Keith,
I'm a 4.0 player. I live in Corona. Can you hit in the 4pm at Ontario Ave courts. Let me know.
Hi Keith,
Thanks for your reply and I am looking forward to playing with you someday.
I play on Mondays and Thursday already so I am looking for Tuesday night and Saturday mornings. Let me know if that works for you. I might be able to play this Thursday night around 5:30pm.
Let me know.
© 2019 Created by Mark / The Mayor. Powered by


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Thank you for visiting Casting Stones. This blog is no longer being updated. Please enjoy the archives. Here are some other blogs you may also enjoy:
Faith, Media and Culture
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Happy Reading!!!
On Nov. 4, 2008, the people of California, Florida and Arizona joined the ranks of the nearly 40 of the United States that have outlawed same-sex marriage either by amending their respective state constitutions or by passing appropriate legislation.
The three states mentioned above amended their state constitutions by the following margins: California (52%), Arizona (56%) and Florida (62%).
The results in California are causing the most controversy. Why? First, because same-sex marriages were already being performed in that state since June because the California Supreme Court refused to delay their ruling until the people could vote in November. Second, California is a much more liberal state culturally than either Arizona or Florida.
Now we are witnessing the spectacle of same-sex marriage advocates going before the California Supreme Court in attempts to convince them to overturn the people's choice to amend their state's constitution. The legal theory in America and in the states that make up our Union has been that the ultimate authority in the law is the constitution, not the judges' interpretation of that constitution. When the people disagree with judges' interpretation of the constitution, both our Federal Constitution and the various state constitutions furnish the people with a way to give the judges further instruction on how they would be governed–the amendment process.
A majority of Californians have exercised that right and have amended their constitution to define marriage with great specificity and precision as being only between a man and a woman–no same-sex marriage and no polygamy. If the California Supreme Court were to now attempt to nullify what the people have chosen to do through an expression of their sovereign will, they will have attempted to usurp the sovereignty of government "of the people, by the people and for the people" and to replace it with government "of the judges, by the judges and for the judges."
I would urge the members of the California Supreme Court to read the text of the Declaration of Independence with great care, specifically these words: "That to secure these Rights, Governments are instituted among Men, deriving their just powers from the consent of the governed," (emphasis added).
If the California Supreme Court does not acknowledge its obligation to submit its collective judgment to a constitutional amendment passed by the people, then the democratic freedom reserved to the sovereignty of the people will have perished in California.
Social conservatives and defenders of traditional marriage won tremendous strategic victories in ballot initiatives on Nov. 4. First and foremost, the defenders of traditional marriage overturned the California Supreme Court's legalization last June of same-sex marriage.
Despite being outspent nearly 2 to1 and having to overcome California Attorney General Jerry Brown's arbitrary decision to rewrite the original ballot language of Proposition 8 in a way calculated to present it in the most negative light possible, the proponents of traditional marriage won by a 52 percent to 48 percent margin.
Given the demographics of California, traditional marriage advocates would be justified in concluding that if they can prevail in California, they can prevail anywhere in the United States when the issue is put directly to the people to decide.
Traditional marriage also won an impressive victory in Florida. That state's traditional marriage advocates had a particularly difficult barrier to overcome–a state requirement that any constitutional amendment garner a minimum of 60 percent of the vote. In fact, the opponents of same-sex marriage exceeded that legal hurdle by gaining a 62 percent to 38 percent victory in spite of being outspent 3 to 1 by their opponents.
In Arizona, the only state that has ever voted down a state constitutional amendment defining marriage as only between a man and a woman (in a very close vote in 2006), traditional marriage advocates returned this election cycle with an amendment which contained much clearer language. The result–the passage of a state constitutional amendment by a 56 percent to 44 percent margin, which not only defines marriage as being only between one man and one woman, but also prohibits Arizona from recognizing same-sex marriages performed in other states.
Why did the defense of traditional marriage win such strong victories in states as diverse as California and Florida? One reason is that turnout increased substantially among the African-American population as they came out to vote for Barack Obama. In California, 70 percent of African-Americans voted for Proposition 8 (outlawing same-sex marriage) and 71 percent of black voters supported traditional marriage in Florida.
Ironically, the Obama-inspired surge of black voters helped pass constitutional amendments banning same-sex marriage in two states carried by Sen. Obama–California and Florida.
All Americans should take great pride and satisfaction in the election of an African-American as president of the United States. Given our nation's tragic racial history, it says something noble and fine about America that Barack Obama, both a product of a biracial marriage and the son of a Kenyan father, could be elected to the highest political office in the land. I do not believe that there is another country on the face of the planet where such a thing could happen.
Every one of us should pause to give thanks that we have the privilege and great good fortune to call ourselves Americans and that we get to live out our lives in this great "opportunity democracy" where we truly do believe that "all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness."
The great American story has been our struggle to extend the promises of our founding documents (Declaration of Independence) to an ever greater circle of our society.
Whether someone voted for President-elect Obama or not, we can all agree that with his election, our nation has taken a giant step forward in delivering on the promise of a nation "with liberty and justice for all."
God bless America!


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Louis Vuitton Monogram Hudson PM Bag Pre Owned
This item is no longer available
Authenticity code: Louis Vuitton DU0055
Authentic: Pre-Owned
This authentic Louis Vuitton Monogram Hudson PM handbag is ideal for the women on the go. It features one large exterior zipper pocket and a zip-top closure, two push-lock pockets and versatile long adjustable cowhide leather shoulder strap which adds supreme comfort. The classic LV monogram print is accentuated by gold hardware This urban-chic bag is one you'll want to carry everyday.
- Exterior: Gently used
- Interior: Gently used
- Description of Interior: Alcantara Lined
- Exterior Pockets: Two push lock one zipper
- Interior Pockets: Two open pockets
- Color: Brown
- Hardware Description: Gold Hardware
- Material: Canvas
- Width: 11.5 in.
- Length: 2.5 in.
- Height: 6.5 in.
- Handle Drop: 24 in.
Product Code: 2212013
Read more about Louis Vuitton Date Code here.
All photos are of actual item being sold. © 2007-2018 LuxeDH.
This Louis Vuitton® item is guaranteed to be authentic. Louis Vuitton is a registered trademark of Louis Vuitton. LuxeDH is not affiliated with or represents Louis Vuitton in any way or form.


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Family Tree Magazine DVD 2000-2009
Our genealogical society board met recently to plan our 2012 monthly programs. Instead of pulling out back-issues, of which I only have half, I opened my laptop and searched by keyword for topic ideas. Now, we don't violate copyright by copying the article, but rather use it to create our own program content. Sometimes the topic is the hardest thing to come up with. Many articles include other / online resources that we can share with our members or use in our planning.
The DVD covers 2000 - 2009. I have the 2010 DVD on my birthday list, even though I have the paper issues. Why am I telling you this on my cemetery blog? Well, Family Tree Magazine has shared a lot about cemeteries over the years and I love having access at my fingertips.
Look at the results when I searched with key words "cemeteries" and "cemetery".
And, while I got mine at a good price, it is now $10 less when I purchased mine. Here is where you can find it.
|accessed 10/26/11
Disclosure: I have not received any compensation or products based on my sharing this. I just love Family Tree Magazine.


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Click on a thumbnail to go to Google Books.
The Irish Duchess: Regency Nobles series (Volume 4) (edition 2013)
by Patricia Rice
Work details
The Irish Duchess (Regency Nobles) by Patricia Rice
No current Talk conversations about this book.
Good story - the duke was a little stuffy but overall a good story and nice romance.
Not an awful story, but not outstanding, either.
References to this work on external resources.
Wikipedia in English
No descriptions found.
Neville Perceval, the bankrupt Duke of Anglesey, has been burdened since youth with more responsibility than one man should handle. He has finally accepted that he needs to marry a wealthy, gracious lady who will ease his burdens and smooth his political path. Fiona MacDermot, the rebellious, untamed cousin of an Irish earl, has the freedom and independence Neville has never known. Like the duke, she needs cash to help starving villagers and orphans. Unfortunately, she'd rather earn a living than have anything to do with useless men, and the politicians she knows all belong at the wrong end of a rope. But when the duke is nearly beaten to death, and Fiona's looms are lost to a murdering thief, their lives are entangled in ways that threaten their futures. Lust shouldn't factor into their destinies, but it does, and now they have to find their dreams together, or die trying.… (more)
(summary from another edition)
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