text:
We live in a dynamic, ever-changing world. Increasingly, today’s cities require smartly developed buildings and spaces that can perform a lot of functions.
The Ju/Wasi and !Kung Bushmen said that the bigger cloud was a portion of the sky exactly where soft thornless grass grows, like the kind they used for bedding. One particular day, they say, God climbed onto the large cloud and went hunting. Many other Bushman groups saw the two clouds as male and female steenbok.
y = the very same principle as x but is referring to the secondary pop-up shape alternatively. y is each the distance between the bottom edges of the secondary and the main gray blocks, and the distance between the best valley fold and the leading hill fold on the secondary shape. y represents the distance that the secondary block will stand out from the principal block.
Congrats on your front page feature. I am returning to sprinkle some angel dust (the only very good kind of dust when decorating). I’m getting ready to acquire a hanging candleabra, so I specially appreciated the module on acceptable sizing and location of chandeliers. Thanks! Quite nicely presented.
The Department is based in a new state of the art creating designed by the award winning architects Heneghan Peng it is equipped with fourteen rooftop landscapes, cutting edge digital workshops, comprehensive design studios, a globe-class library and two gallery spaces.
At UEL, we comprehend that studying in another country is a massive financial commitment. If you apply early for an undergraduate or postgraduate course, you could be entitled to a scholarship of up to £4,000. In addition to this, we provide a 5 per cent early payment discount and 15 per cent alumni discount.


text: I have found out how to simplify the confused and mucked-up world of communications so that your message can penetrate the maelstrom of modern media, whether you are a global corporation, a local politician, a college lecturer, a sales rep or a start-up. I have a magic bullet that will sharpen whatever story you have to tell so that it gets to the heart of the matter, cuts through mental barriers and lodges easily in the mind. As an advisor to companies, politicians and institutions of higher learning, I’ve been thinking about this problem for about twenty years, and have been figuring out the solution for the last two. I don’t know how to de-complicate my cable bill, or untangle the knots in the U.S. Congress, but I do know about this. This is my small part to play in the crusade.

industry_corpus2: Subject Education


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We at CADMaster 3D jewelry design company are a team of talented jewelry CAD designers who are dedicated to provide the best jewelry design, 3D modeling and rendering services worldwide. Our proficiency goes as far as employing haut-relief, bas-relief designs and digital sculpting elements in jewelry design to make our jewelry pieces unique, strong and impressive.
We always keep up with the latest tendencies of market, and the 3D jewelry models created at our studio match with their quality and design with famous jewelry CAD designers.
Due to our professional jewelry CAD designers you can benefit from custom jewelry design services to create your own personalized 3D jewelry models. All you have to do is to send the jewelry sketches to our jewelry CAD designer or just describe the concept in detail.
Every piece of jewelry starts out as a simple idea, then a simple design of jewelry CAD designer. Our designers express their creativity on a piece of paper, turning it into a work of art. We will create a single piece of jewelry, or develop a new line for you. In order to start a custom jewelry design, feel free to write us or give us a call and our specialists will guide give you a full assistance.
Creating a professional jewelry 3D model is the first step towards transforming your concept into reality. A talented jewelry CAD designer and modelers will bring your project to life. Our team will provide jewelry CAD services with detailed precision and professionalism. After the CAD process the model can be used to produce photo and video renders which can be an important part of your marketing campaign.
Beautiful Haut-Relief and Bas-Relief designs are created at CADMaster Studio by specialized jewelry CAD designers. They hold the form of every thought that our artists have. With Bas-Relief design your models will have a beautiful three-dimensional effect. The bas-relief design can be a pendant, ring or coin our creative artists will take your idea, transform it to 3D and demonstrate you the unique model, custom made just for you.
Our professional jewelry CAD designers are committed to deliver high quality jewelry CAD services, and digital sculpting is one of the key areas of our expertise. Our services give you precise and perfect 3D production-ready digital artwork. We can generate the 3D model right from a sketch or any other information provided.
A good jewelry rendering brings realism to your project. You can have images and video renderings that are vibrant and realistic to achieve your marketing plans. Simply send us your files and within a few days you will have top quality 3D Renders returned. Our jewelry rendering services vary from simple photo renderings to professional 360 degree renderings, which will allow reviewing the model from every angle.
CADMaster is specialized in providing high quality jewelry 3D modeling services. If you have the conceptual jewelry design in your head, or you have seen an interesting model from famous jewelry designers, we can create virtual models with utmost precision and professionalism. We have colossal experience in jewelry design and work hard on details to get exactly what you need. Describe us the concept and our designers will produce that unique idea on high quality hand sketches.
Each month we will highlight the most extraordinary and special jewelry model from CADMaster Studio. The model will represent the ability of our jewelry CAD designers to imagine and to bring the imagination to life.
They are Highly skilled and knowledgeable in their field.
Extremely careful so that each piece be as you dreamed it.
They love challenges in complex designs.
They are a well-structured team and we love working with them.

industry_corpus2: Manufacturing


text: Description: Adaptive physical fitness, dance and movement classes for Ages 5-8. Pre-registration required. Call for details.


text: Do you have excellent organisational skills? A strong work ethic? And the ambition to be part of a successful property company?

industry_corpus2: Real Estate & Construction


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Pinnacle Solutions, Inc. is seeking a highly experienced SAS Data Integration Developer as an addition to our elite SAS Consulting Team for one of our Clients - a large Financial Services Company, located in Effingham, IL for 6-Month Contract-to-Hire, Full-time, all On-site.
The client is implementing the SAS Credit Scoring for Banking solution and requires an experienced SAS Data Integration consultant with financial services and risk experience. The consultant must have excellent communication skills and must be able to communicate about the techniques developed and results of analysis both to executives and other analysts in the organization.
• Experience with SAS Credit Scoring Detailed Data Store (DDS) – is a major plus.
• The Customer requires an experienced SAS Data Integration consultant (client prefers experience with SAS Data Integration Studio 4.6 or higher).
a. Mid to senior level resource, 5+ years’ experience.
b. Must know SAS Data Integration Studio (Prefers DI Studio 4.6 or higher exp).
c. Must be able to build and maintain SAS DI Studio jobs, job flows within Platform LSF, and troubleshoot job failures.
d. Must be able to perform both production support role as well as new development tasks.
e. 5 years or more of Data Warehousing implementation experience and experience developing technical solutions with SAS Data Integration in a SAS environment.
f. Data Modeling, Data Architecting and ETL architecting expertise is required.
g. Integrating and managing the data mappings from the client’s data sources (mainly Oracle) to the SAS Data Warehouse using SAS Data Management Solution.
h. Designing, developing and implementing the DI Studio job flows to load the data into Oracle. i. Ability to develop new data loads to existing data warehouse. Creating Stored Processes to provide the users easy access to the data.
j. Have good oral and written communication skills. Lead and/or actively participate in SAS knowledge-sharing activities.
k. Must be able to read, and understand existing coding and processing to troubleshoot and resolved issues as they arise.
o Apply and demonstrate expertise with efficient DATA step, SQL programming and SAS Macro programming.
o Experience with designing, developing and maintaining analytical Data Warehouses/Data Marts.
o Be proficient in Base SAS programming (DATA step), SQL programming (i.e., use of SQL passthrough or PROC SQL), as well as the SAS Macro language for use in making code more efficient.
o Utilizing Enterprise Guide and its functionality to create project flows which could include aspects of data access, manipulation, summarization, and report generation to a variety of output formats and channels, etc.
o Creating and using SAS Stored Processes for the creation of customized content.
This page was last modified on 14 September 2017, at 22:30.

industry_corpus2: Finance & Economics


text: A collection of the richest and most famous boxer couples couples of all time. By themselves they're worth a fortune. Together, they're financial powerhouses.

industry_corpus2: Sports


text:
Online dating brings singles together who may never otherwise meet. It's a big world and the BlackProfessionalPeopleMeet.com community wants to help you connect with singles in your area. Whether you are seeking just a date, a pen pal, a casual or a serious relationship, you can meet singles in Utah today! Utah is known for the Great Salt Lake and BlackProfessionalPeopleMeet.com is here to bring their Black Professional Singles together.
I have found a wonderful person and I want to see where it goes without any interruptions. Thanks for your site.

industry_corpus2: Others


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Hamilton Irish Arts was established in 2008 to bring back the Irish culture to Hamilton. We began by becoming a branch of Comhaltas Ceoltóirí Éireann and have adopted the principles of promoting the traditional music, dance and language of Ireland.
WE ARE HAVING A CEILI IN MAY!!!


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In a small, windowless corner of the University of Dundee, UK, Caroline Erolin of the Centre for Anatomy & Human Identification is ironing a fossilised pterodactyl.
At least, that’s what she appears to be doing. In fact, Erolin’s “iron” is a handheld 3D scanner, and her digitised animals are now being used as teaching aids worldwide. Her enthusiasm for the work (which she has to squeeze between research into medical visualisation and haptics) is palpable. She is not just bringing animals back from the dead, but helping to bring a great collection back to life.
In 1884, the biologist and classicist D’Arcy Wentworth Thompson began assembling a teaching and research museum in Dundee. An energetic philanthropist and a natural diplomat, Thompson had a broad network of friends and contacts – among them members of Dundee’s own whaling community, who provided him with extraordinary, then-unique specimens of Arctic fauna.
It’s largely not a genuine problem though, in part because advances in digitisation are changing the priorities of collections worldwide. Even more importantly, it is generally acknowledged that Thompson has outgrown Dundee: he belongs to the world. Together with Charles Darwin, Thompson, who died in 1948, is the most culturally influential English-speaking biologist in history.
We have one book to thank for that: On Growth and Form, first published in 1917 – an event commemorated by an exhibition, A Sketch of the Universe: Art, science and the influence of D’Arcy Thompson, at the Edinburgh City Art Centre.
In neither the first edition nor the revised and expanded 1942 version does Thompson talk much about Darwin, and even in the 1940s he considered genetics hardly more than a distraction. Thompson was pursuing an entirely different line: the way in which physical constraints and the initial conditions of life shape the development of plants and animals.
Thompson was fascinated by tiny, single-celled shelled organisms such as foraminifera and radiolaria. He was convinced (rightly) that their wildly diverse shell shapes play no evolutionary role: they arise at random, their beauty emerging from the self-organising properties of matter, not from any biological code.
Most of Thompson’s contemporaries were caught up in a genetic revolution, synthesising the seemingly incompatible demands of chromosomal genetics and Darwinian selection theory. No one ever seriously doubted Thompson’s importance – his book has always been a classic text – but at the same time, few have ever quite known what to do with him.
Thompson himself (pictured above as morphed by artist Darren McFarlane) understood the problem; he described his landmark book as “all preface”: the sketch of a territory he lacked the mathematical skill to penetrate. What the arguments in On Growth and Form really needed is a computer, and a big one at that (which makes Thompson a character who might have dropped straight out of the pages of Tom Stoppard’s play Arcadia).
Artists, on the other hand, from Henry Moore to Richard Hamilton to Eduardo Paolozzi, knew exactly what to do – and the Edinburgh exhibition combines the University of Dundee’s own collection of biomorphic, Thompsonesque art with new commissions. Several stand-out pieces are by artists who were students at Dundee’s own Duncan of Jordanstone College of Art and Design.
To its credit, Thompson’s alma mater has not been slow to exploit the way his meticulous and beautiful work straddles art and science: it supports a dedicated art-science crossover gallery called LifeSpace, as well as offering degrees in animation, medical art and medical imaging, connecting digital processes with traditional illustration. They are making the most of On Growth and Form‘s centenary, but the influence of Thompson on the university is deep and abiding.
That is as well. For all our anxious predictions about genetic engineering, for all the hype surrounding synthetic biology, and all the many hundreds of graduate design shows stuffed with “imaginary animals”, we have barely begun to explore let alone exploit the spaces Thompson’s vision revealed to us.


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He’s a Percheron. As in a very big guy. And he’s finally found his forever home at Beauty’s Haven Farm and Equine Rescue in Florida.
The gelding named “Gentleman” first came to the attention of Beauty’s Haven in the fall of 2006. A friendly, sweet senior, he has a name well suited to his disposition.
The Florida rescue learned that Gentleman had once been used to pull carts or buggies. Information on the horse suggested that after his partner died, Gentleman had been sold to a kill buyer and was headed for a slaughterhouse.
Horse lovers – many of them fans of the late Kentucky Derby winner Barbaro – mobilized to raise funds to buy the horse. However, after he was released from the kill pen, he developed pleurisy. The Beauty’s Haven staff arranged for him to stay at a Pennsylvania rescue while he recuperated and until he was well enough to travel to Florida.
That October, the Percheron arrived and was at a decent weight. Aside from normal medical maintenance such as floating his teeth and trimming his feet, he appeared to be in good shape. His sunny disposition made him a hit with the staff, who lavished him with attention.
Once the aging gelding finished rehab and was determined to be sound, he was ready for adoption. In March, a rescue with a therapeutic riding program formally adopted him. The Beauty’s Haven staff delighted in the fact that Gentleman was going to a rescue that specialized in draft horses.
However, three months later, the rescue notified Beauty’s Haven that the horse was losing weight. He had been moved from a pasture full of younger draft horses to a geriatric pasture so that no other horses would run him away from the hay. The adopting rescue added that the staff was working on his weight.
In November of the same year, the Beauty’s Haven staff found out that the Percheron was in very bad shape. Pursuant to the terms of his adoption contract, they sent a state-licensed veterinarian to examine the horse and assess his condition. The photos they received showed an animal in sad shape. The vet pronounced Gentleman to be around 300 pounds underweight and recommended that he be removed from the adopting rescue before it was too late to save his life.
Gentleman returned to Beauty’s Haven on Thanksgiving morning that year. He faced yet another complete rehabilitation. Although the adopting agency had stated the horse suffered from EPSM, a condition common to draft horses, muscle biopsies and blood tests determined that the cause of his condition was neglect. His body had begun to feed off itself.
The staff focused on feeding Gentleman many tiny meals during both the day and the night. He received top-quality hay, chiropractic and acupuncture treatments, and deworming in addition to standard care. The Percheron has now completed his second rehabilitation program. Rather than risk any chance of future neglect, the rescue has decided to offer him a forever home. He is now a sanctuary horse.
The horses at Beauty’s Haven arrive from auctions, kill buyers, and from owners who no longer want them or who can no longer care for them. The rescue for many is their only safe place, a home where they can get vet, farrier, and dental care, whether their stay is short or permanent. Beauty’s Haven is a 501(c)(3) organization.
Forever Stamps May Last Forever, but What About the Post Office?

industry_corpus2: Agriculture & Fisheries


text:
If you're looking to pump your arms and chest, look no further. This workout from trainer Andy Speer, creator of the Anarchy Arms workout program, will get you the results you want. Sure, there are other chest exercises like bench presses, but pushups are unparalleled in strengthening your entire core, and should be at the foundation of any training program. You also need no equipment to hit the floor and bust out some reps, so they are a convenient exercise to perform when you don't have access to gym equipment.
The standard pushup works well when you don't have time to do a full routine, but this pushup workout will challenge your upper-body strength by changing your arm positions and amping up the tempo.
Inverting your body puts more emphasis on your shoulders, while placing your hands closer together targets your triceps. Meanwhile, changing the tempo, like performing an iso hold, will strengthen the bottom of your pushup, which is often the weakest part for many people.
This workout won't have you pushing hundred of pounds of iron, but the volume of reps will leave you feeling like you did. Perform the exercises below in the order listed for a complete circuit, or just incorporate some of the moves in your routine.
That's one round. Do five total rounds.


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Use this Hipvan coupon code to get $5 credit with no minimum spend. This hipvan singapore coupon code is valid till 15 Nov 2015.
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A depression treatment that received approval from the Food and Drug Administration (FDA) in 2008 is now being considered as a possible treatment for drug addiction. Transcranial magnetic stimulation (TMS) is a noninvasive device used to stimulate the neurons in the brain. By generating electromagnetic pulses, the device, which is placed near the patient's head, affects the neural activity of the brain. Using a variety of patterns, frequencies, and duration the TMS speeds up and slows down the firing of these neurons. For help with addiction of any kind, call Legacy Freedom for drug rehab Raleigh serviced.
Five years after the device's approval, an Italian addiction physician named Luigi Gallimbert used TMS to treat more than 300 cocaine-addicted patients. The idea to use this therapy came from a 2013 study by the National Institute on Drug Abuse that used lab rats that were addicted to drugs. The rats were genetically modified to allow the neurons of their brains to be controlled with light. They were also trained to pursue cocaine. In the lab when researchers stimulated the area of the rat's brain that controlled impulse control, the rat's addiction was almost immediately eliminated. Neuroscientists who co-authored the study conducted by Gallimbert suggested that targeting the portion of the prefrontal cortex in the human brain that would correspond to the area of the rat's brain that was stimulated might produce the same counteractive effect in humans who were addicted to cocaine. Gallimberti chose a group of 32 participants for his initial study. The study showed promising initial success and Gallimberti began to offer the TMS treatment in his clinic for a small per session fee.
Despite the initial success by Gallimberti, critics throughout the psychiatric and addiction treatment communities doubt the ability of the TMS treatment to deliver consistent and lasting results. While there is no doubt that some people respond to the treatment, some assert that there is little more than a placebo effect on the patients. Despite the doubt cast by multiple scholars and other researchers, the Medical University of South Carolina has begun their own double-blind random trail of the TMS procedure. NIDA and the National Institute of Psychiatry in Mexico City have begun similar trials to see if cocaine addicts show any real improvement after undergoing TMS therapy.
An estimated 13 million people worldwide are addicted to cocaine. In the United States alone, one million are reported to be addicted to this powerful drug. With an 80% relapse rate within the first year, giving addicts a powerful ally in their fight to get clean is one of the things that is motivating researchers around the globe. Other studies are considering the TMS procedures effect on other addictions like cigarette smoking and excessive alcohol use. While there have been no randomized trials conducted for these other addictive substances, researchers hope that with more information and a greater understanding of the long-term effects of the treatment on the addicts eventually a new addiction protocol can be set that relies on TMS.
If you, or someone you love, are one of the one million Americans who are addicted to cocaine, Legacy Freedom of Raleigh can help. Thousands of addicted clients have turned to us for addiction treatment to break their addiction to cocaine, opioids, marijuana, alcohol, and other drugs. We are not a 12 step program. Understanding why you choose to use drugs or alcohol to cope with underlying self-esteem issues, undiagnosed mental health issues, abuse, or stress is essential to breaking the powerful bonds of addiction. Together with your Life-Purpose coach, you will create a care plan that focuses on you and your unique needs, not just your addiction.
By combining traditional talk therapy and alternative treatments, your care team will create a drug rehab Raleigh plan that is unique to you, your needs, and your sobriety goals. As you work through your addiction, you will get to the root of your addiction and the underlying causes of your dependence on alcohol or drugs. While engaging in group therapy, you will find the support and understanding of your peers to help you get through the difficult times while you are away from our outpatient facility. These bonds will become essential to your success and support throughout your sobriety journey. Legacy Freedom also offers all our clients the ability to engage friends and loved ones in their recovery journey for motivation, support, and advocacy.
With more than ten alternative therapies to choose from, you and your care team can select the therapies that meet your treatment goals and spark your interests. From equine-assisted therapy to inner child work to tai chi, our therapy offerings help you learn to set healthy boundaries, develop positive coping mechanisms and restore your self-esteem and purpose. Addiction takes its toll on your body, that's why Legacy Freedom offers all clients access to a physical therapist and dietician as part of their recovery process. We believe that when you feel good, you make good choices. Creating a plan for sobriety with your Life-Purpose coach helps you reignite old passions and discover new interests.
Addiction doesn't have to control your life any longer. Let Legacy Freedom' drug rehab Raleigh services help you break the cycle of addiction and live clean in 2018. Call or click to connect with our care team and begin your journey to a sober purpose-filled life today.

industry_corpus2: Health & Medicine


text:
Chicago: “Bahagawan Das In Concert,” 10/27/1973, WGBH Media Library & Archives, accessed April 22, 2019, http://openvault.wgbh.org/catalog/A_FE66064E25B041818B68243361DF79EF.
MLA: “Bahagawan Das In Concert.” 10/27/1973. WGBH Media Library & Archives. Web. April 22, 2019. <http://openvault.wgbh.org/catalog/A_FE66064E25B041818B68243361DF79EF>.

industry_corpus2: Politics & Administration


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It is finally here. The Patient Protection and Affordable Care Act (PPACA), along with all the “stuff” that has been following it is really happening. Of course, with any major change there are bumps along the way. Apple had a bump with it new iOS7, and was able to respond and issue an update to fix the problems in short order. Perhaps the only difference is that Apple employees are still working… Okay, in fairness, so are the health care reform exchange employees.
How much will the law cost me and how is it paid for?
What does the law do and how does it work?
With information coming at employees from all angles, it is hard to know what to believe, let alone what parts need to be understood. More and more, employers are looking to their trusted advisors to help answer their employees’ questions. With 49 percent of the United States receiving employer-based health coverage, looking to their employers is the obvious choice.
So as an employer, the question becomes how to respond. As with most things, communication, communication, communication is the key. Employers and employees need to communicate. And, if they don’t know the right answer both should look to their trusted advisor as the best educated resource to the right answer. Here are 10 tips from the International Foundation of Employee Benefits to assist with communicating the health care reform law to your employees.
Explain ACA simply and concisely. The law and its regulatory guidance are far-reaching, complicated and lengthy. Stick to the basics when communicating with your participants.
Focus on the most immediate changes. Cover what is happening during open enrollment and what changes are coming in 2014.
Focus on the areas that most impact your workers.
State the value of your health coverage in dollars per person. You may also include total cost spent by the organization or cost per payroll, but a worker will better appreciate and understand the value when positioned per individual rather than the organization’s perspective.
Remind workers of the health care providers available through your plan.
Inform workers of any existing or changing cost-sharing provisions. Clarify provisions such as deductibles, copayments, premiums, etc.
Explain design changes to your plan due to ACA. Cover changes that may impact your workers including preventive services coverage and elimination of out-of-pocket maximums.
Emphasize your company’s commitment to providing health care in the future.
State why you offer benefits in the first place. Whether it is to attract the best talent, be competitive or to take care of workers, explain to your workers what you offer and why you offer it.


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Today, on 20.10.2010, more than 100 statistical organizations celebrate World Statistics Day at the initiative of the UN.
OECD statisticians and economists will discuss the contribution of statistics to the mission of OECD: “better policies for better lives“, with a focus on green growth, innovation, society, development and progress. The talk is scheduled today at noon Paris time, and it can be seen live at http://interwebcast.oecd.org/ (and it will be archived there afterwards).
IMF and World Bank are jointly organizing a two-day event in Washington DC. They are launching the virtual statistical system, a resource to support statisticians in developing countries.
UNESCO statistics is organizing an open house in its Montreal office.
The European Central Bank is hosting an international seminar, “Central bank statistics in a global context“.
Hans Rosling will be speaking from the Palestinian Central Bureau of Statistics.


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In knowing hands, public-media resources can help young children growing up in socially and economically disadvantaged circumstances become better prepared to succeed in school. This vision, which has held steady since the original authorizing legislation for the program was written, continues to guide the work of the Corporation for Public Broadcasting (CPB), PBS, and other partners as they continue their Ready to Learn work with support from the US Department of Education's most recent program grant.
While the Initiative's overarching goal remains constant, the current project is unique in two important ways. First, the project has a sharp focus on early mathematics and literacy learning. Second, the Initiative is delivering resources on new and emerging digital platforms, such as tablet computers, interactive whiteboards, and smartphones, that complement better established technologies such as computers, video displays, and gaming consoles. This approach not only takes advantage of the particular affordances of each platform but, more importantly, allows children and the adults who care for them to engage with content in a variety of contexts: across different settings, in different social arrangements, throughout the course of the school day and beyond it. This transmedia approach, when paired with concerted outreach efforts, is designed to provide enhanced support for preschool and early elementary children.
This report presents findings from the first year of the summative evaluation of CPB's Ready to Learn Initiative. The summative evaluation team includes researchers from the Center for Children and Technology at Education Development Center (EDC) and researchers from the Center for Technology in Learning at SRI International, who conducted the research.


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National Zoo/Smithsonian Museums, Washington, D.C.
Home » Trips » National Zoo/Smithsonian Museums, Washington, D.C.
The National Zoo, is one of the oldest zoos in the United States. It is part of the Smithsonian Institution and does not charge for admission. The Zoo has been the home to giant pandas since 1972.
The Air & Space Museum maintains the largest collection of historic air and spacecraft in the world. The museum has thousands of objects on display, daily tours and educational activities to fill your day’s visit.
Washington, D.C. offers eight monuments and memorials that are a must see. There are the Franklin Delano Roosevelt Memorial, Korean War Veterans Memorial, Thomas Jefferson Memorial, Vietnam Veterans Memorial, Martin Luther King, World War II Memorial, Washington Monument and Lincoln Memorial that are in walking distance of each other.
Come and choose your stop and enjoy the day in your nation’s capital.
11:00 AM Approximate arrival in Washington, D.C.

industry_corpus2: Travel & Geography


text: We are requesting your involvement in reviewing, updating and revising our Title I Plan, our Parent Involvement Policy, and our School-Parent Compact. Our Parent Review Meeting will be Tuesday, May 10, 2016 at 12:00 at UCPS. If this date/time is not convenient, you may contact the school at 706-745-5450 to schedule a meeting. If you are unable to attend the meeting, the documents are available upon request from Mrs. Kristal Hemphill. Please submit suggestions/feedback to khemphill@ucschools.org. Thank you for partnering with us to strengthen your child's learning!


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New ONS figures show that Poland has overtaken India as the most common foreign country of birth for UK residents: there were 831,000 Polish-born UK residents in 2015. Before you panic, here are three things to remember. Polish people make exceptional contributions to the economy and British life; EU immigration has benefitted Britain; and even Brexiteers understand the importance of immigration to the UK economy.
As recently as 1992, over a quarter of the world’s population was undernourished. Yet despite population growth, the number of undernourished persons has fallen from over 950m in 1992 to about 685m in 2015, a 28% reduction. The amount of food produced per person worldwide is now 20% greater than it was in 2005. Thanks to the Green Revolution and subsequent innovations, we are producing more food per hectare.
The informal sector currently absorbs 80% of the Indonesian workforce. A group of tech start-ups are helping to transform society - not just by bringing in services like ride-sharing, but by bringing Indonesians into the formal economy. Teaching people how to use their smartphones and instructing them in basic financial literacy might not sound glamorous, but it could be the key to modernizing the economy.
Michel Temer formally took the place of Dilma Rousseff as Brazil's President after her impeachment yesterday. Reining in inflation, tackling corruption, privatizing state-owned enterprises, and cutting the budget deficit are all top priorities for the new president. However, if he wants to get a handle on the anaemic economy he is inheriting, Temer will also need to focus on Brazil’s nightmarish trade regime.


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Toad for SQL Server is available for purchase in three editions: Professional, Xpert and Development Suite. However, in order to give you access to all of Toad's new features during your trial, we currently offer a trial for the Toad Development Suite for SQL Server.
Leveraging a proactive and automated methodology, the Toad Development Suite provides an integrated toolset to ensure that the highest quality code is optimized, delivered and scaled for maximum performance, regardless of user skill set.

industry_corpus2: Computing & Telecommunications


text: Think it's easy to run your own business? Well, now it's your chance to give it a try. Let's find out who can make the biggest profit by running their own business with Disney's Hot Shot Business.

industry_corpus2: Film & Entertainment


text:
Amid the hustle and bustle of South Florida, you can find towns that are just as quaint today as they were 50 years ago. Sebastian is one of those communities, still home to an abundance of native wildlife and plants and to many residents who enjoy the slower pace of living on the Florida coastline.
Sebastian is a small town with a quiet feel. Vast open spaces meet modern convenience in a community of people from all walks of life, including young families and retirees who are looking for a place to enjoy the long Florida afternoons along the Indian River.
Similar to much of the Treasure Coast and Indian River County, Sebastian offers a wealth of outdoor recreational amenities, including fishing, boating, and golf.
The city is just a short drive west from the Atlantic Ocean, providing ample beach access, and about an hour north of the downtown area of West Palm Beach.
Sebastian is part of the Indian River Public School District, and there are many schools to choose from within the area. Some of the best rated schools in the area are the local charter and magnet schools, including Sebastian Charter Junior High School which serves students in grades 5–8. For those interested in post-secondary learning, Sebastian is near Indian River State College, which offers several four-year degree options.
The primary point of interest that brings so many into the Sebastian area is the Indian River, which is gorgeously lined with native tree life in many areas.
In true historical fashion for the Treasure Coast, Sebastian is home to Mel Fisher’s Treasure Museum, which preserves many relics from Florida’s history.
The Sebastian Inlet is an ideal spot for fishing and surfing. Pelican Island National Wildlife Refuge is great for spotting native Floridian wildlife in its natural habitat.
With the sought-after South Florida weather and plenty of breathing room and natural landscapes, it's no wonder that so many people fall in love with Sebastian.


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Last year they came to Elmia as visitors. This year they’re exhibiting for the first time. The Lithuanian steel fabricator Cranbalt is ready for the Swedish market and sees Elmia Subcontractor as the closest way in.
“The fair really lives up to its big reputation in the east,” says Karolis Šiugžda, Cranbalt’s sales manager in Scandinavia.
Cranbalt manufactures various models of cranes, beams, cantilever racks and other steel structures. The company now wants to find Swedish customers in industrial manufacturing and sees the fair as its opportunity.
In recent years more and more Swedish companies have invested in Lithuanian ones. Šiugžda says this is proof that Swedish companies have confidence in Lithuanian industry. And that made Cranbalt even more interested in the Swedish market.
So far Cranbalt is satisfied with its participation in the fair and is already looking forward to Elmia Subcontractor 2015.
Karolis Šiugžda and Egidijus Koviera from Lithuania are very satisfied with the fair.


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The Navigator leaders at the 2017 International Forum in Malaysia spent extensive time in the Scriptures. To share the wealth with you, we have posted video recordings (non-professional) of the International Executive Team’s teaching at the forum. You can find these videos on our international video library.
You will also find a video of a forum presentation by British Navigator Rosalyn Boydell titled "Hope for Europe."
While you are visiting the video library, check out some of the professional quality videos that display what God is doing through Navigators around the world.
In early March, Chris and I had the privilege of joining more than one hundred European Navigator staff who work with college students in ten countries. Seeing firsthand the faith of these young men and women filled us with joy. We were impressed by how a new generation of leaders is practicing the spiritual disciplines that we had learned in the 1970s, including the partnership of giving and receiving. It was clear that, forty years later, Navigator DNA continues to resonate with a new generation!
One conversation in particular stands out to me. During one of the meal times, we sat with Jakar and Martine, a young staff couple from the Netherlands. They have taken a huge step of faith by leaving promising careers in order to dedicate full attention to help Dutch students come to the fullness of life in Christ. Jakar and Martine are right in the middle of the huge challenge of fundraising. We listened to them tell wonderful stories about how, with impeccable timing, God had provided housing and finances for them. This reminded us of our own early faith adventures during which God also provided for our needs in remarkable ways.
Partnership in giving and receiving is a spiritual discipline that is vital for the growth of the Gospel. Philippians 4:15 says, "Moreover, as you Philippians know, in the early days of your acquaintance with the Gospel, when I set out from Macedonia, not one church shared with me in the matter of giving and receiving, except you only." The Greek word koinonia (often translated “fellowship”) is frequently used in the New Testament to describe this practical “sharing” of financial resources.
Jesus demonstrated this in His own ministry (see Luke 8:1-3). A group of women financially supported Him. Among them were Mary Magdalene, Joanna, and Susanna. Have you ever wondered why Jesus left us this example? He could have made His living as a carpenter, or He could have financed His ministry by helping Peter, Andrew, James, and John develop their fishing business as a missional enterprise. He also could have fed Himself and His disciples with miracle loaves and fishes. But instead He chose to model the vital spiritual discipline of sharing—a partnership in giving and receiving.
In our Navigator work around the world, we need a new generation of young men and women with the vision and commitment to partner in giving and receiving as Paul did with the Philippians. The spiritual discipline of giving generously from our financial resources is complemented by young men and women like Jakar and Martine who are willing to step out by faith and invest the finances they have received for the sake of the Gospel’s advance among the nations.
May each new generation of Navigators embrace this joyful partnership just as Jakar, Martine, and the friends who support them have experienced. You can be sure that those who do this will experience the living God who generously provides for all our needs.
Mike Treneer is International President of The Navigators. Mike and Chris lived in Kenya for 16 years where Mike helped develop our Africa ministries and became our Africa Director. Mike served on the International Executive Team and led our Europe work before becoming President in 2005.
Scroll to read all four articles in this issue.


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A 15-year-old Honokaʻa boy died following a 1 vehicle crash Monday afternoon (May 1) in Honokaʻa.
He was identified as Aukai Ahuna.
Responding to a 3:01 p.m. call, police determined that a Suzuki dirt bike motorcycle was traveling North on Pikake Street, approaching the Ohia Street intersection when the boy lost control of the motorcycle and was thrown and struck by a 2006 Ford truck.
The boy was taken to the North Hawaiʻi Community Hospital where he was pronounced dead at 3:51 p.m.
The driver of the truck, a 47-year old Honokaʻa man was not injured.
The boy was wearing a helmet and speed appears to be a factor in this investigation.
Police have initiated a Negligent Homicide investigation and ask anyone who witnessed the crash to call Officer Casey Cabral at 961-8889. Tipsters who prefer to remain anonymous may call the island-wide Crime Stoppers at 961-8300.
This is the 10th traffic fatality this year compared with 10 at this time last year.

industry_corpus2: Media & Journalism


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Spanish, Italian, Portuguese, Irish, French, Hellenic peoples, withdraw your money immediately from the banks.
State robbery called “deposit haircut” is coming soon. Political robbers will steal your money and name it a “one-off tax” to save banksters, as it just happened in Cyprus.
Save your money from the white-collar state thieves. Protect yourself before they rob you.
An accounting entry in your bank account does not prove that the cash exists. It just recognizes bank’s liability. Your money may or may not be available to withdraw.
Do it today. Tomorrow will be too late.


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A Wilson man who was shot Saturday in the chest was listed in guarded condition yesterday in Easton Hospital's intensive-care unit.
Charles Haycock, 27, of 2419 Sycamore St. underwent surgery late Saturday after he was shot with a small-caliber handgun about 5:30 p.m. A hospital spokeswoman said Haycock had injuries to a number of organs.
William Frederick Ehrie, 35, of 40 N. Locust St., Easton, was charged with the shooting after giving himself up to Wilson police later that night.
He was arraigned before Easton District Justice Pat Maragulia on charges of attempted homicide, aggravated assault and reckless endangerment and committed to Northampton County Prison without bail.
Wilson Police Chief Richard Nace said additional weapons charges will be filed against Ehrie. None was filed as of last night.
According to Nace's preliminary account of the incident, Ehrie had gone to the Sycamore Street address looking for his girlfriend, who he mistakenly thought was there. Nace said Ehrie entered the home andshot Haycock in the chest when confronted by him. Ehrie then went into the kitchen at the rear of the home and held a gun to Michelle Amy, who also lived there.
The police chief said Ehrie then knocked Amy to the floor, kicked her in the face and fled. Amy went upstairs and woke Russell Bellis, who owns the Sycamore Street home. The two came downstairs and found Haycock on the kitchen floor.
Haycock and Amy were transported to the hospital by the Suburban Rescue Squad. Amy was treated and released.

industry_corpus2: Law & Justice


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University student Daniel Sadler was on hand for Monday afternoon's OutWeek flag-raising ceremony at UBC Okanagan.
Daniel Sadler is not only pursuing a higher education, but a higher purpose. The second-year history student at UBC Okanagan is actively involved with numerous campus and community initiatives aimed at creating a more inclusive, safer, happier and healthier community for everyone, no matter their race, gender or sexuality.
From coordinating campaigns that promote responsible drinking on campus to working as a volunteer coordinator with the Okanagan Rainbow Coalition, Sadler devotes countless hours to support his peers.
"I'm running a youth group right now in the community called Out With Friends for questioning, queer, and bisexual youth," says Sadler. "It's part of the Okanagan Rainbow Coalition, which I'm a member of. Out With Friends gives people the opportunity to gather, hang out and be exactly who they are.
"A lot of students struggle with their identity -- personally and sexually -- and everyone takes their own time to figure it out. I think the more programs that are available and the more opportunities people have to just relax and be themselves, the more comfortable they will be and the more healthier a community we will live in."
Sadler is also a volunteer coordinator for Okanagan Pride, which plans a festival each August, and has met with Mayor Sharon Shepherd to discuss the LGBQTTI (lesbian, gay, bisexual, transgender, queer/questioning, transsexual, two-spirit, and intersex) youth initiative and why it is important to building a healthy, desirable community.
"On campus, I'm working with the UBC Okanagan Health and Wellness Centre coordinating the Alcohol Intelligence Campaign -- a two or three day informational event held each March -- that aims to empower the student body to make good decisions around drinking," says Sadler. "And I'm involved with Campus Life in a program called Good Morning Commuters, which really is about creating camaraderie on campus by getting out and giving away free coffee and Timbits to commuters first thing in the morning."
And Sadler does this all as a full-time student who has his sights set on law school.
"Daniel is deeply committed to issues of social justice," says Ilya Parkins, Assistant Professor of Gender and Women's Studies. "This really shows in the classroom, where he brings an amazing liveliness and curiosity to discussions and to his work. I'm particularly impressed, though, with the way he integrates his academic pursuits with his volunteer work on campus and in the city - he offers some great examples of how we can get the university and the community working together."
Sadler hopes his volunteer work will not only help to create understanding and support for the LGBQTTI community, but for everyone who faces inequality.
"Personally, I get involved because I think it's important that everyone is allowed to develop into the person they are on their own time," says Sadler. "When people are restricted based on gender, sexuality or race -- and it's all connected; you can't view these problems with social stigma separately -- our society loses out. I think by addressing one issue, you are addressing them all; when you fight for equality in one area, you win it for all, ideally."


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Members of Bedford Falls, Caves & Attack! Vipers! give their take on 90s indie rock. 4 fuzzy, melody laden, noisy pop songs on a 1 sided 12"
Matt reverse board sleeve with artwork from Lauren Denitzio. 1st 100 copies have a screenprinted B-side.
Comes with a free download which will be emailed to you instantly.


text:
Health Canada issued this notice of intent back in April regarding "Strengthening the post-market surveillance and risk management of Medical Devices".
As written in the notice, most of the proposed changes are written in the format "Provide the Minister with the authority to...". Does this mean that the proposed changes simply give Health Canada authority to request things in certain circumstances but, in the absence of these circumstances, nothing new is mandated (e.g. no changes to procedures, requirements for additional documentation to be maintained, etc.)?
In otherwords: although the changes imbue Health Canada with additional authorities, for most manufactures it'd just be business as usual?
Is this interpretation of the intent correct?


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What is the monitor ? How is it connected to the card ?
What is the native resolution of the monitor ?
What resolution are you currently running at ?
Your graphics card is already running at it's maximum supported resolution.
That seems a little counter intuitive if the whole point is to upscale the image on the card and downscale it to the monitor resolution?
This card supports 4096x2160 resolution, isn't VSR supposed to make the card process at that resolution and then downscale to the monitor's 2560x1440 resolution?
Your card does support a 4K resolution but VSR only supports upto 25x14.
Stupid AMD... I spent an hour alone trying to find out where the damn checkmark button for VSR is even supposed to appear in the CCC.
VSR webpage is nothing but marketing drivel, no info in the CCC search, google it and you only find links to hack enable it for older CCC versions.
Please refer to the "Important Information" section of this document : What Is Virtual Super Resolution and How Does It Work?
There is no "Enable virtual super resolution" checkmark in "My Digital Flatplanels" -> "Properties (Digital Flat Panel)"
Connect the GPU to a 19x10 display and you will find the VSR option available.
Ray, I appreciate the effort, but you are not helping anymore.
Showing a "our stuff my not work" image is aggravating and not helpful, especially since your information I believed proved to be flat out wrong according to the charts.
its worth considering that going above 2560x1440 was something we thought only 380 390 and Fury could do, which may turn to be true.
If you change resolution back to 1920x1080p at 60hz, does the VSR option re-appear?
You need to connect to a 19x10 device to see the VSR option - not the same as dropping the resolution to 19x10.
One chart entry clearly says "Target Display Timing: 2560 X 1440 @ 60Hz , Supported VSR Modes 3200 X 1800"
It might not be what you are looking for, but I have checked and I am giving you the correct answer.
Your graphics card might support an 8K resolution, it doesn't mean you will be able to get that resolution in VSR.
Maximum resolution supported and VSR are two completely different things.
Which is why the document I referred you to clearly says "Again, “Supported VSR Modes” may vary from what is indicated the chart depending on the Graphics Product you are using".
Which version of windows are you running and is it up to date?
Bug to be fixed in a new driver?
Error in the VSR documentation?
Implemented feature that is not supported on this specific XFX product (but would appear with a different model or brand of a Radeon 265 card)?
What I cannot accept is crappy answers from AMD support culminating in a cop out "if it doesn't work, it doesn't work" answer, silence on the issue or the craptacular amount of hoops I jumped through to find out it doesn't work.
My last question was real simple.
Will my XFX R7 265A-CNJ4 support the advertised "Target Display Timing: 2560 X 1440 @ 60Hz , Supported VSR Modes 3200 X 1800"
No, there are no plans to support the advertised feature on this model.


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Young married couples have already started a new life and they are excited about settling down and having a family. Buying a house is the biggest dream of any young couple because they will always need a place they can call home. However, when they actually get down to buying a home, they find it an extremely challenging and stressful task. They have to take care of several things like credit score, eligibility criteria, down payments, taxation and on top of that go in search of a property that suits their budget and needs.
Check your credit score: Credit score plays a vital role in deciding whether you are eligible for a housing loan or not. Banks follow a very strict procedure when it comes to approving loans and the first thing they consider while making a decision is your credit score. You can’t expect to get a housing loan if your credit score is in shambles. Thus, You will have to check your credit report for unpaid accounts or collection accounts or mistakes and rectify anything that can adversely affect your credit score. If you have a damaged credit score then you will have to invest some money and time to get it rectified.
Check the property before applying for a loan: Your new house will be your only place for the rest of your life, so be very careful in choosing one. Young couples often tend to disagree on several things but when it’s their house, they need to be on the same page. Finalize a property when you both find it appealing.
Get the Documents right: You will need to furnish several documents to the bank before they approve your loans, so you will have to be ready with those when the time comes. You will be asked to provide your bank statements. Pay slips, tax documents etc.
You’re in it for love: In all the hustle-bustle of buying a house, you may often forget that your house is the symbol of your love. Do not lose faith on each other because of petty differences. Keep in mind – you’re in it for love.
To Invest to Stocks or Not to Invest: What’s Your Final Verdict?
Why should you invest to stocks and why shouldn’t?
Whenever people heard about investing in stocks, they automatically think individuals making millions of dollars in the stock market. Stocks are considered to be as one of the traditional forms in raising a capital for businesses. Aside from that, it can open your door to greater opportunities in making a lot of money if you invest successfully. You have to be wise in picking the right stock at the right for this can result in bigger stocks while the stock value is tremendously increasing.
The biggest challenge for you in investing to stocks is to pick the good stocks during their lowest price then, sell them during its highest value. Well, this might require a lot of knowledge as well as experience to do so. Investing in the stock market is all about right timing when to buy and sell stock.
A variety of Choices. With so much trade companies available, you can easily assemble portfolios that will meet whatever objectives you wanted to obtain. Also, this wide range of mutual funds will allow you to expand across industries or any company size coming from small to large cap.
Long term growth. Compounding your returns and dividends greatly create wealth over the long term. Your long term investment gives you easier plan where the rate of your return increases.
Risk tolerance. In investing in stocks, you have the freedom in selecting risk tolerance. If you prefer to have a low risk, investing in an established company is a great idea while if you wanted low more risk, you can consider riskier companies.
Lately, markets have become been quite volatile. As the market is in the panic mode, people tend to choose emotions instead of the fundamentals of logical economy creating amazing bargains.
Time-consuming. Though you choose a mutual fund and you belong to a small business, you are still you may face challenges of which one you should buy. To do so, you need to conduct a substantial research which is time-consuming.
Never be risk-free. Investing in stocks will never free you from risks since the value of your investments can go up and can go down. All form of business involves risk, but if you know how to handle it, you have the opportunity to succeed.
As mentioned above, the answer to whether to invest to stocks or not will always depend on to the right choice of stock and time, so you need to be wise. Also, it is much easier for you to succeed in investing to stocks if you have knowledge and experience.
The straight and simple answer to this extremely tricky question is a big YES!
Renting a car is always more cost effective than buying a new one because you are able to save on the huge investment that you actually make on buying an asset that depreciates with time. If we are to talk in a strictly financial language then it is never wise to buy assets that depreciate in value; however, it is always good to buy assets like property and shares that increase in value.
It is really hard to not fall prey to the temptation of buying your own car, especially when you are unable to hail a taxi during the rush hours. If you are able to actually count the number of days in a year when you felt the need of a car real badly then you will be surprised to find that it is not more than 10 to 15 days in a year. Do you really need to buy a car that you will need only 15 days in a year? No logic behind buying a car exists unless you have a lot of extra money to waste on assets that depreciates in value over time.
According to the statistics, a new car depreciates by 40% of its list price in the very first year itself. By the end of the third year, the value drops by 60% of the list price and this keeps falling till your car is valued not more than junk iron sheets. Why do you want to waste your money investing on something that really does not add any value to your life?
Buying a car is probably the dumbest idea and an absolute waste of money when you have many other options. Renting a car can save you hundreds of dollars a month and you can go step further to even get a car on lease. Both these make a lot of sense than just blindly buying a car. Lease is a long term rental deal that lets you drive a car for a fixed monthly price. In the US, people are more into driving around in the latest models than actually buying them. Now, there isn’t a better deal than renting the car and driving to wherever they wish.
Renting or leasing a car does not make you the owner of the car but you definitely save hundreds of dollars while driving some of the latest models on the road.
Refinancing has often been used by many to avail lower rate of interest and pay off their housing loans without spending a fortune. However, what leaves most people confused is the impact of refinancing of house loans on their credit score. There’s no point in trying to understand credit score vis-à-vis the refinancing as that involves many complex metrics and calculations. Broadly saying, credit score does get affected but it definitely is impacted by every refinance or loan modification.
Your FICO score is bound to be affected by any loan modifications or refinancing moves you make. However, the quantum of impact depends on how the refinancing gets reported to the credit bureaus. Your refinancing can be reported as the same loan with just a few modifications or it can be reported as a completely new loan.
If the refinancing is reported as the same loan with just a few modifications then changes in loan balance, credit enquiry and any changes in loan terms will have an impact on your credit score. Even if this happens, changes to the FICO score will not be anything substantial.
On the other hand, if the loan is reported as a completely new loan then your credit score still gets affected by then changes in loan balance, credit inquiry and any changes in loan terms. However, another new piece of information affects the FICO score and that’s new “open date”, which indicates that the credit obligation is new. This will have a greater impact on your credit score than what would have been in the case of simple changes in terms of an existing or old loan.
Refinancing your mortgage will certainly have an impact on your FICO credit score but it’s not going to improve it in any way. The impact will be small as well as short-lived. Refinancing might have a greater impact on your credit score if it’s done too frequently or putting in new credits associated to your mortgage. FICO often penalizes if you are not able to honor the terms of the credit or receiving too many inquiries pertaining to your credit report.
Irrespective of what your refinancing terms or needs, your credit score will definitely take a beating, even if it’s for a short term. Thus, you should research a bit before taking the refinancing path and it’s always advisable to weigh your options before you refinance your housing loan.
Are you dreaming of having your own house? Do you also ask yourself the question, “Will I ever be able to buy a house?” Well, sooner or later, you will be ready to buy one. But if you still do not know how and you are still wondering if you could really buy a house, there are many ways of how you can get help.
Home and real estate are already one of the most competitive industries today and it is surely not easy to find the best home and real estate today. Below is a guide that you can follow before buying and how to can check if you can afford to buy the house you want.
Get a deposit together – Normally, you should save up in deposits before buying a home but it will not be hard for you if you seek help from your family to make depositing faster. Mortgages cover percentage of the value of your home which is the Loan to Value (LTV). The deposit is the remaining purchase price that you pay.
Check affordability – Look at the cost of homes. Go for the home that you can afford best so that there will be no problems for you when monthly payments come.
Check your credit report – It is an off for lenders if they see on your credit report that you have excessive debts or you always miss your payments. But you can still get a mortgage out of your bad credit. However, it would be better if you get to improve your credit history to increase your chances of getting approved of normal mortgage. You should also understand mortgages first.
Find help – Get some help from your family or purchase a home with somebody else who is more likely to be accepted for a mortgage. A joint mortgage can save more deposit and it has an affordable mortgage payment.
How long will you be staying in your home?
Buying a home can incur expensive closing costs. If you are going to stay in that home for many years, these costs may spread over time. But if you are going to sell it after 3 years, the costs may be higher than your rent. In simpler terms, your period of stay has an impact if you should buy the home or just rent.
If you are asking if you will ever be able to buy a house, the answer is yes. You always have the opportunity in home and real estate. All you need to do is be wise and consider the above mentioned factors to go through the process with no hassle.
Normally, what you need to do first is do the math. Scribble the calculations and decide if you are already ready to step into your new home. However, this is easier said than done because numbers are too large when it comes to home and real estate. But with the right approach, you can do this well.
Savings in any form is good and better if you have an emergency fund stashed away to be used only during dire emergencies. Not many of us understand the importance of emergency savings till we actually encounter a crisis. Your personal finances can be shambles if you don’t have savings to fall back on during financial emergencies like a car breakdown, critical health problem of a family member, sudden death in the family etc. You will need to do some financial planning to allow yourself the wriggle room during crisis situations.
What does one need to do to enjoy financial freedom even during emergencies? Well, nothing much apart from creating a fund that can take care of unforeseen expenses. You can’t borrow from friends or family members – no one actually saves for friends or extended family members! You can’t even avail payday loans as they will drill a bigger hole in your pocket because of the insane interest rates. Financial planning is the only proper way of dealing with unplanned or unforeseen expenses.
All financial experts or market gurus harp on the need for robust financial planning in order to lead a tension-free life. No one wants to see their family members or friends struggling for money during an emergency. What’s the harm in planning ahead and creating an emergency fund that you can use when the need arises?
You can keep away some amount every month towards your emergency fund. This can be either in the form of a simple savings account or you can keep the cash at home only. Either way you will be able to make a substantial savings to take care of unplanned expenses. Medical emergencies, house repair, unplanned travels etc. can eat into your earnings if you don’t have an emergency fund to deal with such expenses.
If you are an impulsive buyer or a shopaholic then you might find it extremely difficult to save money at the end of the month. Start preparing early and make it a habit to set aside funds at the beginning of the month so that you spend only from the money you are left after saving. Emergency savings can be the best way to deal with the financial crisis and it is an important part of a robust financial plan. In order to enjoy total financial freedom, plan early and create an emergency fund to which you contribute on a regular basis.
We often don’t realize that we are spending a larger chunk of our income on groceries and end up stocking our refrigerators with unnecessary items. Before your food and grocery spending burn irreparable holes in your pocket, it is time to save some on your groceries.
Prepare a menu – Planning what you want to eat before running to your nearest store might sound a drab activity but is extremely important if you want to save money on your groceries. Why do you want to end up buying items that you are not going to eat? Prepare a detailed menu so that you know the items you will have to buy.
List standard items – Besides preparing a menu, there are some standard items that you will always require to rustle up a quick meal, breakfast, lunch and dinner. You will never forget the items that are a part of almost all meals or common to several dishes.
Look for sales – There is no better way to save money than buying grocery items during sales. Often the stores put up items for sale and you can get your daily food items at discounted rates.
Buy in-season fruits and vegetables – For staying healthy, we all need to eat fresh vegetables and fruits. However, these are expensive items, especially if you are buying fruits or vegetables that are usually not the season’s produce. Buy only in-season produce as that’s the best way to get your regular dose of fruits and vegetables while not spending a lot of money.
Collect Coupons – There are several online resources to get the best deals on grocery items; you can always collect the coupons to save a lot of money on your grocery purchases. Alternatively, you can also collect the coupons available with magazines and newspapers.
Learn the store policies – Not all stores accept competitor coupons, so you will have to learn about the store policy where you usually purchase your grocery items.
Cut down on the number of monthly store visits – This actually helps you to collect your coupons and visit the store during sales, so you will be able to make a killing. However, you can’t expect such outings more than once or twice in a month, so you will have to cut down on the number of monthly store visits.
Choose your store wisely – Choose the store that offers maximum sales and discounts; a surefire way to save a lot of money on your groceries.
Buy only necessary items – You should always buy the items that you need and nothing more than that. Even though you will be tempted but try to restrict yourselves to the necessary items only.
Don’t take your kids to the store – They are not going to help you in shopping and instead compel you to buy a few items more; leave the kids at home while visiting a store and you will be able to save a few more dollars.
You are never too young for an IRA and the earlier you start preparing for retirement, the better it is for your financial freedom. Investing for retirement should never be put in the backburner till you turn 25 or 30 or settle down with a permanent job. IRAs are a great option to start investing your money as they are really easy to open and operate while requiring small investment only.
There’s no point fence-sitting till everything falls into perfect alignment because even a $400 dollar annual contribution towards your IRA account is enough to start with. Young investors focused on long term gains have numerous choices in front of them but the most preferred among them is Roth IRA.
Roth IRA makes perfect sense for young investors as it is one of the most straightforward investments that anyone can think of. You will be taxed on the money you contribute towards your Roth IRA and as long as you adhere to the guidelines, you will never be taxed on your withdrawals after you retire. Younger individuals can benefit for Roths by investing on the businesses that offer long term gains through capitalization on the market’s movement. Leveraging the market to make good gains while not having to pay any tax on withdrawals is simply awesome.
It is really simple to avail tax free withdrawals after retirement instead of just calculating what you will need after the taxes and sending off the estimated payments to IRS.
You will be able to withdraw your contributions at any time from your Roth without paying any penalty. Even the early-withdrawal penalty of 10% can be avoided if you are buying a home for the first time or you are disabled. This benefit is available in case of deaths as well.
The federal income tax rates are extremely low. Your present tax might be higher than what you will be paying at 59 ½, so that’s a much easier option.
The maximum permissible limit of investing in a Roth is $5500 every year and for people above the age of 60 can deposit $6000. You can walk into your nearest bank any day of the week and open your IRA certificate of deposit. The primary aim of IRA is to encourage investment, so invest whatever you can, even when you are in your early 20s.
Business owners and top-level managers invest a lot of time budgeting and in bigger organizations, the process itself incurs huge costing. In traditional methods of budgeting, the managers are required to review the previous year’s budget and then make amendments based on the performance expectations. However, in Zero Based Budgeting (ZBB), a completely reverse approach to planning and budgeting is applied.
Zero Based Budgeting doesn’t take into account the previous year’s budget and is instead begins at Zero. The managers need to justify all the budgetary expenses and not limit themselves to the previous year’s budget. Everything starts at zero and the planning and decision making is done on the basis of budgeting. One of the prerequisites of this budgeting is that the mangers need to be ready for detailed documentation and budgeting. The managers also have to identify and even justify the expected expenditures and arrange the activities in accordance to their relevance and costs.
Zero Based Budgeting paves the way for the high level management to make decisions as well as budgetary curtailments based on the documents during any time of the financial year. There is no provision of pre-financing as is in the case of traditional budgeting. This is a big reason why this type of budgeting is followed in the non-profit sectors and government. However, Zero Based Budgeting has to undergo frequent reviews, usually every year, as it is a costly and time-consuming process.
Zero Based Budgeting is considered to be an honest approach to budgeting but when it is not too practical for private organizations and larger businesses to follow. They are bound to face capital and manpower shortage while trying to implement Zero Based Budgeting.
Retirement 101: Will I Ever Be Able to Retire?


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Alec Dennis DSC entered Dartmouth in 1931. After serving in the battleships Rodney and Resolution, he transferred to destroyers, serving in four during the Second World War. His experiences are the subject of this book. He retired from the Navy in 1957 and emigrated to Canada. Eventually he became a teacher for 10 years in Vancouver.
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industry_corpus2: Literature & Emotions


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Glioblastoma is a deadly brain tumor that is sometimes mistaken for a much more treatble type.
The standard thing to do when a child is treated for brain cancer is to put some of the tumor cells under a microscope, and see what kind of cancer it is.
But new research led by Dr. Jim Olson of the Fred Hutchinson Cancer Research Center and Seattle Children’s compared that type of diagnosis with results of genetic testing of the same tumors and found that 71 percent were actually another type altogether.
The children had all been diagnosed with CNS-PNET, a rare tumor of the cerebrum. Genetic sequencing revealed that many of those tumors were actually glioblastomas, a cancer with much poorer prospects for survival.
“The difference can be whether the patient has a 5-10 percent likelihood of survival at 5 years, or a 70-80 percent chance of survival. So it’s a huge difference in how we prepare the family for what’s coming,” Olson said.
Getting it right could also spare many children from grueling treatments they don’t need.
Olson emphasizes that the pathologists making the original diagnoses were using what have long been considered gold-standard methods. It’s just that the cells of these two tumors look extremely similar.
Olson says he hopes genetic testing will become the standard tool for identifying pediatric brain tumors and possibly many other cancers as well.


text: At once wildly original and stuffed with irresistible nostalgia, READY PLAYER ONE is a spectacularly genre-busting, ambitious, and charming debut—part quest novel, part love story, and part virtual space opera set in a universe where spell-slinging mages battle giant Japanese robots, entire planets are inspired by Blade Runner, and flying DeLoreans achieve light speed.It’s the year 2044, and the real world is an ugly place. Like most of humanity, Wade Watts escapes his grim surroundings by spending his waking hours jacked into the OASIS, a sprawling virtual utopia that lets you be anything you want to be, a place where you can live and play and fall in love on any of ten thousand planets. And like most of humanity, Wade dreams of being the one to discover the ultimate lottery ticket that lies concealed within this virtual world. For somewhere inside this giant networked playground, OASIS creator James Halliday has hidden a series of fiendish puzzles that will yield massive fortune—and remarkable power—to whoever can unlock them. For years, millions have struggled fruitlessly to attain this prize, knowing only that Halliday’s riddles are based in the pop culture he loved—that of the late twentieth century. And for years, millions have found in this quest another means of escape, retreating into happy, obsessive study of Halliday’s icons. Like many of his contemporaries, Wade is as comfortable debating the finer points of John Hughes’s oeuvre, playing Pac-Man, or reciting Devo lyrics as he is scrounging power to run his OASIS rig.And then Wade stumbles upon the first puzzle.Suddenly the whole world is watching, and thousands of competitors join the hunt—among them certain powerful players who are willing to commit very real murder to beat Wade to this prize. Now the only way for Wade to survive and preserve everything he knows is to win. But to do so, he may have to leave behind his oh-so-perfect virtual existence and face up to life—and love—in the real world he’s always been so desperate to escape. A world at stake.A quest for the ultimate prize.Are you ready?From the Hardcover edition.


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It’s estimated that in the next decade 77 percent of jobs will be in technology, while creativity is ranked among the top three skills the World Economic Forum predicts employers will be looking for in candidates. This presents today’s educators and parents with a unique challenge – and opportunity – to help prepare kids today for the digital future and inspire their creativity. And as Microsoft Innovative Educator Pip Cleaves reminds us, one of the most effective and fun ways to teach creativity in the classroom is with coding.
That’s why we’re excited to announce today that we’re joining Cartoon Network and Adafruit to create a set of projects and tutorials to inspire young people to code, create and construct. With fun, whimsical DIY creations such as an electronic crown, a glow-in-the-dark room sign or a paper cup lamp, students can use the Adafruit Circuit Playground Express micro-controller device, Microsoft’s MakeCode coding environment, and Cartoon Network’s most loved characters to learn the basics of coding and let their imagination go wild.
Tools like Microsoft MakeCode for Adafruit Circuit Playground Express open up incredible creative possibilities for students to program physical devices. When paired with Cartoon Network’s portfolio of unique characters beloved by kids today, students who might not normally see themselves as “coders” can be inspired and engaged.
To learn more, visit the Cartoon Network project page. You will need a computer with an internet connection, a Circuit Playground Express device, and common crafting materials you can find around the house to get started with these projects.


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Soon November will be leaving us, and the local streets are open and lit for the holidays. It seems that winter has come quite quickly. In the pouring rain on Saturday, I made a trip to Fort Muncy Nursery where Santa paid a visit so pets can get their photos taken with him. Rick Mason, a professional photographer was donating his time and the owners of the nursery donated a certain percentage of their proceeds to the Pet Pantry of Lycoming County. I was in awe when I saw how beautiful the place is decorated with gorgeous poinsettias everywhere and perfect Christmas cactuses of all sizes. It was certainly worth the stop.
From there I drove over to Wentzler's Fruit Farm and bought more apples to make more applesauce. A note on the door said they will be open on weekends during the winter months. I saw plenty of fresh baked goods, pies, jellies and jams, if you want a nice gift to give. I bought a small loaf of cranberry apple bread and a jar of white peach jam.
If you want to give extra gifts this season, our office at 1025 Rt. 405 Highway is accepting items for "Santa's Seniors" a community program with the Office of Aging. Volunteers will then deliver Christmas baskets to eligible seniors with donated gifts that may include puzzles, lotions, candy, teas, snacks, socks or any small cherishable item. We will accept the items from 8:30 to 3:30 Monday through Friday until Thursday, Dec. 13th at noon.
Kudos to Stacie King of Muncy for her endeavors to get blankets and shoes and stockings to the homeless. She has gathered blankets and items for New Expectations and Family Promise in Williamsport. Deb Gilette is helping her. Donated turkeys were also delivered to local police officers. A letter went with each turkey thanking the officers for their service to the community.
I can't stress enough about the danger of those fraudulent phone calls that we all keep getting. My husband just received one from Xfinity regarding his account. I advised him to never give out any information over the phone like that and sure enough, after a trip to the new customer service center in Loyalsock Township, he discovered it was a scam. This is a rapidly growing epidemic and it is predicted that nearly half of mobile calls in 2019 may be scams according to research by First Orion. The FCC is concerned because these fake calls are taking away hundreds of millions of dollars each year. We can't be vulnerable, and the customer rep at Xfinity said, "We would never ask for personal or account information over the phone." Beware, the scam calls are a real threat. These calls with telemarketing sales messages are illegal unless authorized by the person being called.
Did you know today is "French Toast Day"? I think I will go make some.
Fri. Nov. 30 Card party at Meck Senior Center, 50 Fitness Drive, Muncy, 5 p.m.
Fri. Nov. 30 Toddler Tales at Muncy Public Library, ages 1-3, 10 a.m.
Fri. Nov. 30 Hatha yoga with Ashley at ELYMCA, 10:45 to 11:45.
Sat. Dec. 1 Craft show at 1st UM Church, 602 S. Market St., Muncy.
Sat. Dec. 1 Santa comes to town.
Sat. Dec. 1 Wings Over Water program at Montour Preserve. Meet at Goose Cover Overlook, 10-11:30 a.m. The annual autumn waterfowl migration is underway. This provides a great outdoor opportunity to observe ducks, gees and other water birds while they stop at lakes and ponds for a time before moving further south for the winter. The program will begin on one corner of the lake and make our way to one or two additional sites according to leader, Jon Beam. Dress for weather and plan for some walking. Bring binoculars or a spotting scope and field guide if available.
Mon. Dec. 3 Construction club at Muncy Public Library for all ages, 6:30 p.m.
Dec. 5 & 6 Distribution boxes for eligible seniors at Son-Light house, 130 Carpenter St., Muncy. Weds. 8:30 to noon and Thurs. 4:30 to 7:30 p.m.
* Weds. Dec. 5 Birthday party at Meck Senior Center, 11 a.m. Celebrate those who have birthdays in December.
Weds. Dec. 5 Preschool story time at Muncy Public Library, ages 3-5, 10 a.m.


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With just a few weeks to go until the runners and riders are in their stalls ready for the off, bookmakers are beginning to speculate on which pairing will come away victorious in this year's King George VI Chase presented by William Hill. Although it's set to take place after the turkey has been carved, the 2015 Chase at Kempton Park looks to have all the makings of a Christmas cracker. As ever, the Boxing Day event will be littered with talent; currently heading the pack as the clear favourite is Vautour.
Coming off the back of a highly impressive novice season, Vautour looks to be the horse to beat this year. Many bookmakers, including the headline sponsor William Hill Sports, are currently pricing the in-form runner at 5/2 to win. Fuelling the fire beneath Vautour heading into the Kempton showdown are his powerful performances at Cheltenham and Ascot.
As well as showing he's a strong front runner by demolishing the field by 15 lengths in the JLT Novice Chase, Vautour then went on to prove he can grind out a convincing win under pressure in the Stella Artois 1965 Chase. Yet, if the chasing pack gets anywhere close to Vautour like Ptit Zig at Ascot, then the outcome might be different and punters may want to look elsewhere for a safe bet.
Despite being a strong horse, Ptit Zig isn't set to match up to Don Cossack, who will enter the race in fine form. For this season's tipsters there have been few better horses in England or Ireland than Don Cossack. The Gordon Elliot-trained eight-year-old was awarded the top-rated National Hunt chaser in 2015 thanks to wins in eight out of nine starts.
This pedigree has pushed William Hill Sports to offer odds of 4/1 on Don Cossack, a sentiment that's been echoed across the industry by the likes of Ladbrokes Sports and Coral Sports. However, despite jockey Brian Cooper suggesting that Don Cossack will "set the standard" in the Chase, there are concerns that his last two outings weren't enough of a test.
Comfortable wins against soft fields at Punchestown and Down Royal could cause the German-born chaser to take his foot off the gas heading into the King George. Although unlikely to be the case, this outcome would be nothing short of a disaster for his confident team. Indeed, aside from Vautour as a legitimate contender, Cue Card appears to be a different horse following a successful operation on a trapped epiglottis.
According to trainer Colin Tizzard, Cue Card looks to be back to his best this year. A comfortable win at Haydock in the Betfair Chase has seen many bookmakers, including William Hill Sports, slash the runner's odds from 10/1 to 5/1. On top of his current form, history also seems to be on the side of Cue Card. In the last eight years, four of the previous winners of the Betfair Chase have gone on to win the King George.
However, if Cue Card is going to take the Chase crown on Boxing Day, he'll have to do it by seeing off one of his old rivals and the defending champion: Silviniaco Conti. It's well known that Silviniaco Conti loves the ground at Kempton and another strong performance in the Betfair Chase showed that he's close to his best form.
In the Silviniaco Conti/Cue Card head-to-head stakes, it's the latter who now leads by four wins to three. That slight edge could weigh heavy on Silviniaco Conti's mind heading into the race; however, at 12/1 with most bookmakers, including Ladbrokes Sports and William Hill Sports, there's certainly a lot of value in the current champion.
As for the rest of the field, there is of course always the chance of an upset. However, outside of the four top picks, it looks as though the rest will struggle to steal a win. Coneygree (6/1), Ptit Zig (12/1) and Saphir Du Rheu (12/1) could all push the pace, but it would certainly be a surprise if any of these three storm to victory in the 2015 William Hill King George VI Chase.
If you're confident you can back this year's Boxing Day winner, visit William Hill Sports today.


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The ground-based radar mosaic displayed on the Map view in ForeFlight Mobile combines radar data from the National Weather Service (NWS) and Environment Canada. Its primary purpose is to provide pilots with a good estimation of where precipitation is occurring and where it’s not. While there are some holes in the coverage (especially in Canada) the radar mosaic is fairly accurate most of the time. Even so, non-precipitation returns generically called ground clutter can be displayed on the radar layer producing what looks like very real areas of precipitation.
Anomalous propagation, or AP, is perhaps the most annoying form of clutter. Essentially with AP, part of the side lobes of the radar beam are ducted or bent down toward the earth during certain atmospheric conditions. This causes it to strike objects on the ground (trees, buildings, cars, etc.) and some of that power from the beam is reflected back to the radar along the same bent path and gets recorded as areas of precipitation. When this occurs you might see on ForeFlight what looks like real precipitation. In fact, it can look remarkably like real convection at times fooling even the most seasoned pilot.
Anomalous propagation (AP) on the ForeFlight radar layer near Buffalo, New York.
Since AP can look remarkably like real areas of precipitation (including thunderstorms), it’s important to always examine the observational data in and around the area. This includes cross-checking surface observations (METARs) to see if precipitation or thunderstorms are being reported. Also, without clouds, it can’t rain. So if clear skies are being reported all around the area, then either the precipitation shown on the radar is very isolated or perhaps it’s erroneous. Keep in mind that automated reports only show clouds that exist below 12,000 feet AGL.
Along these lines, the visible satellite imagery in ForeFlight Mobile can also be useful to identify non-precipitation returns during the daytime hours. If precipitation exists on radar, there should be clouds in that region even if it is isolated convection. If there are no clouds, the returns on the radar are likely ground clutter or AP.
Even when the area is cloudy, AP can still exist. If this is the case and you suspect AP, try looping the radar. Most real precipitation moves and evolves over time, but AP tends to stay anchored over the same area with little noticeable movement. Moreover, the radar loop may look erratic and the intensity may change in a way that’s unnatural.
While AP can occur the U.S. it tends to occur the most in the Canadian Provinces. A favored place is on the U.S. side of Lake Erie just onshore and also in the mountains of the Pacific Northwest in British Columbia. While AP can occur anytime of the day or night, it’s often favored during the morning hours just before and after sunrise. This the time of day where the atmosphere is generally stable near the surface which is a perfect environment to allow the side lobes of the radar to be ducted.
So why can’t AP be filtered?
Filtering the radar of non-precipitation returns is like walking a fine line. If you filter too aggressively, you may remove real areas of precipitation; if you don’t filter enough, you get clutter such as AP displayed. In the U.S., filtering can be automated since the Doppler portion of the radar is available. This can be used to help filter AP and other ground clutter. While Canadian radars are Doppler radars, Environment Canada does not export the Doppler data at this time. Also in the U.S., the NEXRAD ground-based radar systems are all fitted with a dual polarization (dual pol) capability which can provide additional information to filter non-precipitation returns.
At the moment the only way to guarantee that AP from Canadian radars won’t find its way into the ForeFlight radar layer is to add a gross filter before the data reaches the display. This is accomplished by our radar provider by manually turning off the data coming from the offending radar(s). This can be risky since it means that all returns shown from this radar will be eliminated, false or not. The folks at Barons who produce the XM-delivered satellite weather also face the same issue with Canadian radars. They don’t turn off specific radars. Instead they create a manual gross filter that eliminates all returns over regions that are highly unlikely to receive precipitation.
In the end, every piece of information you use to make preflight decisions should be scrutinized even if it comes from a trusted source. Take the time to cross-check the radar layer against other sources within the ForeFlight Mobile app so you won’t be fooled.
To celebrate fall, we’ve added a touch of color to our global satellite layer! The color-enhanced infrared (IR) satellite image is designed to visually highlight the coldest cloud tops. Cold cloud tops are often indicative of active thunderstorms that can produce severe or extreme convective turbulence. The animated satellite layer updates every thirty minutes and is accessed in the map mode menu in the Maps view.
Any object that has a temperature warmer than absolute zero will emit radiation at many different wavelengths. Radiation produced by the earth and its atmosphere is emitted spaceward from land masses, oceans, lakes and the top of most clouds. Satellite sensors are used to measure this radiation that includes both visible light and those wavelengths that are invisible to the naked eye. The radiation emitted in the infrared part of the electromagnetic spectrum is the source of data used to build our IR satellite layer.
To create this layer, five geostationary satellites look at the entire earth (with the exception of polar regions) and measure the amount of infrared energy being emitted. The infrared satellite sensor measures the amount of energy and calibrates it to temperature using a very simple physical relationship known as Planck’s Law.
High clouds are very cold and emit less infrared radiation than warmer clouds near Earth’s surface. Furthermore, land masses are usually warmer than most clouds. Since the satellite can’t directly distinguish between the earth’s surface and clouds, we employ a software algorithm that determines where it is cloudy and where the sky is clear. While this works well most of the time, snow cover, fog and even the oceans can sometimes fool the algorithm. We recommend using the Sky Coverage and the Satellite layers together to get the most accurate picture.
Data measured by the satellites is calibrated and colorized according to the temperature. Warmer objects emit more infrared energy and colder objects less. Shades of gray are used to represent the lowest-topped clouds; the darker the shade of gray, the lower the cloud tops. For higher-topped clouds, color is added. Just above the lightest shades of gray you may see blue and green colors introduced representing still colder and higher tops. Above this, shades of red, orange and yellow represent the coldest and highest cloud tops.
As the temperature of the atmosphere generally decreases with height, a pilot can get a pretty good idea which clouds are high-level and which are low-level based on the color or shades of gray depicted.
The IR Satellite layer allows you to quickly locate the most dangerous weather anywhere in the world. Ground-based radar provides a multitude of information on the location and movement of convective weather, however it is limited to US and Canada. The IR Satellite layer gives you a global, at a glance view of significant weather. This is especially important if you are planning a flight over large bodies of water.
In this image over central Africa, you can quickly see where the most significant weather is located, especially in regions that have a cellular appearance depicted in deep red, orange and yellow colors.
One thing to note is that thick cirrus clouds at very high altitudes will also show up as very cold clouds even though they may not be associated with deep, moist convection. Most of the time these high cirrus clouds do not have the same cellular appearance as convective clouds and thus have very little variation in color.

industry_corpus2: Aerospace


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List of 11 programs that help people with disabilities buy homes.
Home » Disability Resources for Families » List of 11 programs that help people with disabilities buy homes.
Well, ok. Kind of beyond the scope of what takes place in an IEP meeting, but I’ll take a stab at it. What I found was mostly federal programs and federal information, which should be applicable for New Jersey (where you listed you’re from). You may also want to contact your local Arc or other agency that helps people with disabilities. They may know about some local programs. So if you are an adult living with a disability and you are trying to purchase a home, here are some programs that may help you.
Please note, I didn’t research making a home accessible. That’s a different post for a different day. Sometimes grants and other programs are available to make a house accessible, which is different from buying a home.
Please check out my list of Federal Agencies that assist people with disabilities which includes a list of all 50 Protection and Advocacy groups. If you feel you are being discriminated against, you may need their assistance.
11 programs that help people with disabilities buy homes.
New Jersey-Dept of Disability Services, they may be able to help.
Article from Disabled World-lists options for USA and UK, American home buying options.
Can you use SSI or SSDI to purchase a home?
If you are a disabled veteran, that should make more programs available. Contact your closest VA if that is the case.
*Please note, I am not endorsing or promoting any of the above programs. I had a reader ask me to look for information, so I did.
I hope this list helps put you on the path to home ownership! Good luck and keep us posted!
61 State and Federal agencies that can help you if you’re disabled.
« What are the special factors to consider in the IEP?


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This is my first model with Carrara. Trying to learn the do’s and dont’s of modeling, following Mark Bremmer’s fine video tutorials on VTC. There are still some glitches in the geometry, as well as in the texturing. But, hey, thou shalt not smoke, anyway.
Feel free to use the model for non-commercial purposes. 1224/3282 Vertices, 1094 faces. Nothing that you would just add a several times to the FPS you’re working on. At least not as a simple asset, I guess.