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Red Hill Historical Preservation Association
Preserving the Past, Providing for the Present and Preparing for the Future.
RHCC Blog
Reunion 2018
About Lake Martin
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Old Teacher Reports
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MEMBER MEMORIALS
Our Favorite Videos
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WE GREW UP HERE
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The Native American Heritage of Our Area
We are adding this section to call to mind the first people to live in our beautiful area of the world. We hope to have historical stories, old photos or drawings, and feature Native Americans of today whose ancestors lived in our area. Any help from our readers in acquiring such articles and stories will be be very much appreciated. The photo at right shows the Cherokee Bluff area before Martin Dam was constructed in the area. The Muskogee Creek tribe lived on both sides of the Tallapoosa River until the mid-1830's.
We say "till we meet further down the trail" to Damien Jay McGirt
Damien Jay McGirt was a Muskogee Creek from Oklahoma who was a descendent of his people who lived here in our area. He was a great supporter of the memoralizing efforts of people in our area to remember his people in this area. He was here for the Tuckabachee and Osceola memorials recently placed in our area. He never said "good bye" but simply "see you further down the trail." He is shown here on his last visit to our area with Cheyanne and Judah Chambers, children of Charles Chambers, Fire Chief of the Red Hill Fire Department.
Memorial Tribute to Friend and Brother -Damien Jay McGirt
We first had the pleasure of meeting Jay McGirt about 35 years ago here in Red Hill on his second trip to the Southeast. Jay and our good friend, Frank Chambless, were on the road tired and hungry-the Chambless' family Lake Martin cabin was already fully occupied. We received a call about 9:00 p.m. from Frank that night in hopes to maybe rest for the night. Of course, they were excitedly welcomed in -already friends with Frank, Jay became family that night to all of us.
The next morning mama had cooked a huge breakfast-it was Jay's first time to ever eat grits and he was unsure how to approach that. Frank, in his ever so kind way, gently told him, "Just watch me."
Later that day, we received permission from Melvin Taylor, Jr. to visit Jay's ancestral grounds of Tuckabatchee (where GKN is now located in Tallassee). Jay's third grandfather, Zechariah Mcgirt was a Scottish trader who married a Muskogee Creek woman from Tuckabatchee Town-the meaning of Tuckabatchee is "The Place of Broken Sticks". An article was written by Jack Venable on the occasion of Jay's first visit back "home."
Through the years Jay would visit many times and we shared many great stories of his life. He loved to sit on the front porch and drink coffee and speak of the Traditional ways. Jay was very well known for his knowledge and ability in textiles, pottery and beadwork. His work can be found at Horseshoe Bend Military Park (mannequin), at Moundville Archeological State Park (the likeness of the chieftan portrayed there is in Jay's image)-which he molded and crafted. He worked at moundville for over six months and lived on site while he worked there.
He was one of the few artists who still created the traditional beaded bags-which sometimes took months to complete, each tiny bead stratigically placed to form Muskogee Creek patterns. They can be found in many private collections including The Porch Creek in Atmore, Alabama and The Seminole Brighton Reservation, near the Lake Okeechobee, Florida, as well as the Creek Nation in Oklahoma. Jay made a trip to the Smithsonian in Washington to study the bags that were on display, two of which were found on the Horseshoe Bend battlefield after the battle (March 27, 1814).
Jay was also involved in Educational programs here in the Southeast; Moundville, Horseshoe Bend, Loachapoka, Fort Toulouse and also Atmore, teaching the Muskogee language. One of Jay's last visits was to Seminole Brighton Reservation where he taught youngsters the Muskogee Creek/Seminole language.
Jay was a Traditional Muskogee speaker raised in the traditional ways. His father, Samson never spoke English, only Muskogee. There were 32 clans among the Creek people-Jay was of the Wind Clan (Hotvlkvlke) -One of the more prominant. Many Mekko (Chiefs) were from the Wind Clan. The Clan was determined through the mother's lineage. His Creek name was Tall Deer:
Muskogee Creek was Jay's only language until he was eight years old. He was taken from his family and put in a white school, which presented many issues, one of which he could not speak his native language. He told stories of the difficulty he had trying to communicate and he had such sad things happen to him while in that school. Many bad memories for him in the white school.
Jay grew up a very proud Native of the Wind Clan, Muskogee people-his family lineage included all the old traditional families before the Indian removal of the 1830's. His ancestors include Alabama historical greats as The McQueens, McGillivray, and Weatherford families. Jay was involved with the building of the Tuckabatchee monument, (probably one of the only ones containing the Muskogee language on one side of the monument). The monument is placed just below GKN. He spoke at the monument dedication and also that same weekend was an integral part as the instructor of the play in Tallassee, Tucumseh at Tuckabatchee.
Jay always loved coming to Red Hill as he always called it coming back home. He wanted to sit on the porch and drink coffee and tea and just relax and hang out with all the family-including Phyllis Miller-they loved making road trips. When Jay came he stayed usually a few months just unwinding and enjoying the simple things. He was planning a visit back here in the near future but he passed away suddenly on the morning of December 18, 2018 in Tulsa, Oklahoma. A memorial was held in Sepulpa, Oklahoma on March 9, 2019 and was well attended by close friends and family. In attendance were many Native groups: Cheyanne, Uchee, Muskogee and Seminole. Many songs and prayers were sang in Muskogee Creek and there was much storytelling and a meal also shared.
We traveled from Alabama to honor our dear friend/brother. We were showed great respect by all at the gathering. As we passed through a great storm in Conway, Arkansas, Frank and I noted that the huge storm brought a cleansing to the earth; when we cleared the storm, the sun came out and the wind picked up-we jokingly said Jay was passing throguh (since he was of the Wind Clan). Jay's intention was to write a book-Growing up Muskogee Creek, in which he was including stories of his Alabama family connection.
Jay in the traditional way of thinking always said when the Spirit returns to the Creator, one would walk the Milky Way and head South to sit with the Elders under the arbor.
Jay always said the land remembers and so we will remember Jay McGirt.
Submitted by Charles Chambers & Molly Tatum
Monument Jay and Charles worked on-Jay translated the Muskogee Language on this side
Jay gathering rocks from the Tallapoosa River -at the falls-for the Tuckabatchee Monument
Back row: Cheyanne Chambers, Jay McGirt, Jim Sanders, front: Saundra Harley holding Judah Chambers, and Speedy Harley.
One of the bags that Jay made and beaded
Family Thanksgiving 2011-


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Founded in 2003 by Mr. Javda, javda.com is located in the center of jewelry district of Los Angeles, California, United States. JAVDA is tribe name, which Mr. Javda belongs to. Most of his designs are related to his tribe. We at Javda Jewelry, aim to serve high quality rings at a fraction of cost fo…
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LuxArtAsia
Seoul to get new UUL museum for contemporary art end 2013
UUL is the new name of the Seoul branch of the National Museum of Contemporary Art, Korea (NMOCA) which is to be open at the end of 2013.
It is an acronym of the Korean word "우리[wuri]" which refers to "we" and Korean word meaning "fence." It embodies the concept of the Museum as "our own museum, which is always with us."
The construction of this new museum is now underway on a 27,402㎡ plot of land near the Gyeongbok Palace, a symbolic landmark of the Joseon Dynasty, and walking distance from Changdeok Palace, a UNESCO World Heritage. The area is also home to a spatter of various modern art galleries. For more information on the architecture of the museum, check out its website www.uul.go.kr
Asian Art Korean art
From Italy with Love: A Look at the Collecting Path of the Maramotti Family
At 27, Hungarian artist Mona Osman is still at the early stage of her career and while the Royal College of Art student has had a solo exhibition at an artist-led contemporary gallery in London and was part of group show at Saatchi Gallery last year, perhaps her biggest break will come later this year: The young painter will have a solo exhibition at the Collezione Maramotti, one of Italy's top private art museums, which presents the ever-growing art collection of the family that founded the upmarket ready-to-wear company Max Mara.
"To have this opportunity is a huge honour and an amazing chance to expand and visually showcase my research," Osman says, adding her challenging project will compared the Bible to notions of existential philosophy.
Over recent years, the museum has increasingly been supporting young artists and each year gives three or four emerging or mid-career artists carte blanche to create works that will later form part of the museum's collection.
"We believe that …
Interview: Erwin Wurm on his Humanoid Sculptures
Erwin Wurm likes to distort forms. Over the years, he has slimmed down houses, fattened up cars, and used his own body to redesign the shape of furniture. "A lot of my work is about destroying one thing to create another," the Austrian artist says of his process. One of his latest series, Stone, continues this exploration by setting small rocks on a pair of legs, giving a twist to the expression "carrying the weight of the world on your shoulders". The small humanoid sculptures recall the Hypnosis series Wurm created in 2008, when Wurm used potato-like shapes to form the torso and head of a body in a highly polished aluminium finish on top of legs, in a contrasting matte finish. In the Stone series, the shiny aluminium potato shape has been replaced by a rock covered in greenish moss. Each work has a distinct and expressive personality due to the treatment of the white acrylic resin legs (variously posed, either standing, running, barefoot, or dressed).
Inspired by German philosophers…
Singapore Art Scene 2.0: Can new art fairs help establish Singapore as a commercial art hub?
In January, the Singapore art scene received a shock to the system. Eight days before it was due to start, Art Stage Singapore, the city state's premier annual art fair and the anchor event of Singapore Art Week, was abruptly cancelled. Citing the "very difficult market situation in Singapore as well as unequal competition," Art Stage's President Lorenzo Rudolf pulled the plug, noting that while the fair had brought over 500 galleries to Singapore over the previous eight years, relatively few returned due to the lack of local sales.
An archetypal Singapore can-do spirit immediately swung into motion including a Facebook page set up by Plural Art Mag that helped galleries find alternative exhibition spaces while non-profit entity Art Outreach, with the support of various government agencies and the Marina Bay Sands (MBS), set up a pop-up event — at the MBS's exhibition space now abandoned by the fair — which brought together 14 galleries that had intended to show at Art Stage.
Art mark…
@LUXARTASIA


After years of internal conflict, Sri Lanka is enacting political and economic reforms to exert its renewed influence in the region and become an independent, global player. Time will tell if the authorities will be able to implement challenging reforms and position the nation on the international stage.
Sri Lanka's first inhabitants were hunter-gatherers who likely crossed a land bridge from India and formed the first definitive settlement around 28,000 BCE. The land bridge, which disappeared by approximately 5000 BCE, allowed humans and their ancestors to easily come and go, with early Stone Age tools found on the island dating as far back as 125,000 years. By 900 BCE megalithic culture, and both the Indo-Aryan and Dravidian languages began to emerge in proximity to India, while Anuradhapura, an ancient city in the island's interior, began to bud as a population centre.
Buddhism came from India in the 3rd century BCE, which is considered the origin of Sinhalese culture. Buddhist scholars of the era recorded much of the early history of Sri Lanka, with politics and religion intertwining throughout the island's history. When the Tooth Relic of Buddha arrived in Anuradhapura in 371 CE, the city was one of the largest in South Asia.
The Anuradhapura Kingdom frequently fought with other dynasties on the island in a series of power struggles – including kingdoms in South India – and the ancient city of Anuradhapura was later left for a location in Polonnaruwa, which survived for two centuries. Following its abandonment, Sinhalese culture shifted south, founding the major dynasties of Kandy and Kotte, while Tamil kingdoms, notably Jaffna, grew in the north. By the 13th century a vast jungle interior and the spread of malaria to the country's dry zone forced a separation that would divide the country through to its civil war in 1983.
While Arab traders had been present in Sri Lanka before the 7th century CE, the Portuguese arrival in 1505 – on the trail of an increasingly lucrative spice trade – brought a significant shift in Sri Lanka's affairs. With the demise of the Jaffna and Kotte kingdoms at the hands of the Portuguese, the Kingdom of Kandy served as the central resistance and protector of the Buddhist faith for three centuries.
In 1602 the Dutch arrived, ousting the Portuguese by 1658 and obtaining a monopoly on the island's spice trade from Kandy in exchange for notional Sri Lankan autonomy. The Dutch remained in power for 140 years until 1796, when they ceded control to England. In 1802 Ceylon became an official colony, and by 1815 the British had conquered Kandy, abolishing the monarchy in the process. This was the first time in history that the entire island was dominated by a single foreign power.
By the 1830s, drawn to the island by plantation land, settlers were arriving and often imported Indian-born Tamil plantation labour to grow crops of coconut, coffee and rubber. In the 1870s the island's entire coffee crop was destroyed by fungus, forcing a shift to tea, which continues to be the country's most important export crop.
While Ceylonese participation in government began at a relatively early stage, it was not until the beginning of the 20th century that Buddhist and Hindu populations began to call for greater representation in government. Constitutional changes in the 1920s and 1930s allowed more Sinhalese power-sharing and full universal suffrage. Sri Lanka became self-governed in 1946, followed by full independence on February 4, 1948 – six months after India achieved the same.
A new constitution in 1972 effectively made Sri Lanka a republic, and changed the country's name from its former title of Ceylon. In 1978 an executive presidency was established under a revised constitution. Following this, increased spending on welfare brought improvements in heath care and education, indicators which remain high to this day. However, a wave of nationalist policy-making contributed to an overall slowdown of the economy, which had lasting implications. Sri Lanka lost a substantial portion of its tea market in the UK, while large swathes of its Burgher population migrated to Australia.
Under British rule, Tamils were favoured for government jobs and university postings, and they quickly became more proficient English speakers, causing resentment from the Sinhalese population. The rise of nationalist politics under successive administrations played on the fear that Sinhalese religion, language and culture could be overshadowed by Indians and Sri Lankan Tamils, who shared certain aspects of cultural identity. A Sinhala-only bill overtly disenfranchised the Hindu and Muslim minority populations, while making Sinhalese the official language of the country.
The conservative United National Party and more liberal Sri Lanka Freedom Party (SLFP) have been at the forefront of politics since independence. However, the Sri Lanka Podujana Permuna secured a resounding victory in the local government elections of February 2018, positioning itself as a pivotal force in the next national elections, scheduled for 2020. Each party in power has, at times, arranged coalitions with smaller parties, the strongest of which is the SLFP-led United People's Freedom Alliance. The Buddhist clergy and labour unions maintain heavy influence in political dialogue and decision-making.
The executive branch of government consists of a president, who functions as both chief of state and head of government; a prime minister, who is appointed by the president; and a Cabinet appointed by the president in consultation with the prime minister.
The legislative branch is a unicameral Parliament of 225 seats serving six-year terms; 196 are elected into multi-seat constituencies and 29 seats are allocated to different political parties, proportional to their share of the national vote.
The Supreme Court of the Republic is the highest-ranking court representing the judicial branch. It consists of a chief justice appointed by the president and no fewer than six and no more than 10 other justices, also appointed by the president with the advice and consent of the Constitutional Council. Below it sits a court of appeals, various high courts, municipal courts and primary courts, along with a number of tribunals. There are 54 judicial districts in Sri Lanka. Its legal system is a mixture, influenced by Roman-Dutch civil law as well as customary indigenous laws, including Kandyan Law and Theswalamai Law, which apply primarily to personal affairs.
The country is further divided into second-tier provincial councils and third-tier local governments. While the Ministry of Local Government and Provincial Councils is responsible for national policy-making, the provincial and local authorities are responsible for implementation.
The 13th constitutional amendment – the Provincial Councils Act of 1987 – legislates this political devolution to nine provincial councils, further broken down into 25 districts and 329 divisional secretariats. Responsibilities include law and order, economic planning, education, housing, agriculture, land use and cooperative development. The supervision of local government is broken down into provincial councils. Each provincial governor, appointed by the president to a five-year term, executes policies through a board of ministers.
Sri Lanka's strategic geographic location at the centre of significant global shipping routes remains a point of interest for nations such as China, the US and members of the EU. Indeed, the relative location of Sri Lanka should provide it with considerable foreign relations leverage, but in spite of this, the country remains bogged down by a relatively heavy debt burden and ongoing domestic political gridlock.
In 2015 the election of President Maithripala Sirisena – a moderate candidate and the minister of health under the previous administration – surprised many and was seen as a direct rebuke of former President Mahinda Rajapaksa's perceived lack of inclusiveness. The West greeted President Sirisena as a reformer, pleased at the chance of renewed engagement with the island nation. While constitutional changes have been slow, there are signs of progress on important post-conflict reforms.
Additionally, the Cabinet has been reshuffled twice since 2015. On May 22, 2017 a Cabinet reshuffle was announced in a bid to restore confidence in the government's handling of the economy and to give fresh momentum to recent development work. The reshuffle has affected nine Cabinet ministers and a state minister, the most significant of which was the swapping of the finance and foreign affairs ministers, Ravi Karunanayake and Mangala Samaraweera, respectively. The second reshuffle took place on February 25, 2018, when six Cabinet ministers, three state ministers and one deputy-minister were sworn in before the president. Prime Minister Ranil Wickremesinghe had been appointed as the minister of law and order but was replaced two weeks later, on March 8, 2018. GSP+: In January 2017 the European Commission recommended to the European Parliament that Sri Lanka be reinstated in the Generalised System of Preferences Plus (GSP+), a trade concession programme designed to promote economic growth in developing countries, conditional upon certain criteria, such as governance, human rights, labour conditions and environmental protection laws. After much deliberation, the EU announced the reinstatement of GSP+ benefits to Sri Lanka in mid-May 2017, enabling exporters to enjoy duty-free privileges. This is welcome news to economic and trade players, as the country has watched its neighbours and economic rivals capitalise on the GSP+ since 2010.
The affirmative outcome will also further strengthen economic cooperation. As it stands, the EU is Sri Lanka's largest trading partner, with one-third of total exports heading to the bloc. The reinstatement of the title should immediately benefit exports, with 66% of tariff lines being removed. This applies to strategic goods such as textiles and garments, fisheries products, rubber products and machinery. Apparel manufacturers in particular would benefit, as current export revenues remain stagnant at $4.8bn, compared to Bangladesh earning $25bn in 2016 alone with full access to GSP+.
The loss of GSP+ in 2010 is said to have cost Sri Lanka $32bn in exports in the 2010-17 period, a significant sum for a nation with an interest in remaining open to the world to ensure growth. Sri Lanka is taking concrete steps in this direction with concurrent trade negotiations ongoing with strategic Asian allies. However, even with the expected reinstatement of the facility, it is not easy to recapture missed business opportunities and make up for lost time when competitor nations have gained so much ground in certain sectors.
Nevertheless, this is a vital step forward for medium- and long-term prospects. It is estimated that over the remaining 2018-19 period Sri Lanka will earn an additional $500m from potential buyers – a considerable sum that will help achieve the goal of creating greater fiscal space. The main draw of the facility is lower duties or a waiver of all export duties into the EU. This is expected to drive demand for Sri Lankan products, benefitting the greater economy, particularly through foreign direct investment (FDI).
The relationship between Sri Lanka and India could be shifting towards a more prosperous, shared future with an economic and technology cooperation agreement (ETCA) set to be ratified in 2018. Business leaders in particular see the deal as mutually beneficial. They argue that the agreement will create much-needed investment in the economy, helping to boost manufacturing and employment opportunities in struggling sectors, while also clearing the way for greater fiscal operating room so the government can bolster social safety nets and reinvest in other strategic areas. However, others argue that it provides a back door for increasing Indian control over the economy. Furthermore, China will be closely monitoring the deal, as it seeks to increase its influence.
At the World Economic Forum in Davos, Switzerland in January 2017, Prime Minister Ranil Wickremesinghe sounded upbeat about the prospect of increasing trade agreements with India and other South-east Asian neighbours. "Sri Lanka will be going in for separate trade agreements with five southern Indian states, including Tamil Nadu," he announced at the event. "Sri Lanka will be looking at entering into a trade agreement with the ASEAN rather than going for separate trade pacts with the member states of the region. We will also have trade ties with Japan." While some argue for the need of a more ambitious trade deal with India, the ETCA will allow for more flexibility in the exchange of services between the two governments, and this should prove to be a positive first step.
In January 2018, after 18 months of negotiations, Sri Lanka and Singapore signed a free trade agreement (FTA). The FTA seeks to drive investments from both large and smalls Singaporean companies into Sri Lanka, while also setting an example for other trading partners and potential future FTAs (see Trade & Investment chapter).
Concerns raised by China and other international investors were quickly placated as the President Sirisena administration reassured them of their investments in the country. Foreign creditors, including the IMF, have shown satisfaction with reforms undertaken by the government to raise revenue and reduce debt to a sustainable level. The country's debt-to-GDP ratio is projected to fall to 69% by the next election cycle in 2020, down substantially from a current 74%.
Contractionary fiscal policy could restrict growth over the short term as the government prepares to honour foreign debt obligations. More than one-third of public revenue is being diverted to service Chinese loan repayments, and 95% is going to foreign creditors. Consolidation lessens the balance of payments burdening the country, thus staving off a potential default, and aligns with the long-term view of expanding fiscal capacity and maintaining economic sovereignty from foreign creditors. This policy is predicted to fare better than the methods of increasing taxes and raising borrowing costs, which tend to curb investment.
As the government is expected to use reforms to increase its long-term fiscal capabilities, domestic GDP growth in 2017 has been estimated at 3.1%, with the central bank forecasting growth for 2018 to accelerate, reaching between 5% and 5.5% In addition, if Sri Lanka can import less and export more with the resumption of GSP+ trade concessions, the trade deficit would ease and the public revenue stream would diversify. As a country with one of the lowest tax-to-GDP ratios among emerging economies, building a diverse revenue stream will be vital to Sri Lanka's future development. Moreover, the country has 245 state-owned enterprises employing approximately 1.3m people, which can prove to be a heavy burden on the balance sheet. The government could benefit from long-term solutions that reorient its role in the market economy, shifting from an active player to a more passive presence in the form of a regulator.
As the tide of influence undergoes rapid change in Asia, Sri Lanka has an opportunity to position itself to capitalise on its natural competitive advantages and exert its influence in the region; getting the fiscal house in order is the best way to achieve this. While Sri Lanka is the most developed market economy in South Asia, productivity efficiencies, labour costs and a lack of scale are a concern for long-term competitiveness.
Players in the region find it encouraging to see progress being made on the Port City Colombo, a prospective financial centre in South Asia heavily backed by the Chinese government. This investment comes at a time when FDI accounts for around 1% of domestic GDP. However, the project has at times become a symbol of political wrangling, centred on the issue of economic sovereignty.
It is true that China has taken concrete steps to exert influence in South Asia. The establishment of the Asian Infrastructure Investment Bank is a signal that the Belt and Road Initiative – to link ancient and modern trade routes by land, rail and sea – will be the foremost network of economic activity in the region centred on strengthening ties with Beijing.
Sri Lanka is a vital centre along the maritime route of the Belt and Road Initiative, and in January 2017 the government announced a deal that granted China a 99-year lease of the Hambantota port in exchange for $1.1bn in debt relief. The debt-for-equity swap has proven controversial, with some in the country fearing a loss of state assets and economic sovereignty during a time of creeping Chinese influence. Others welcomed the decision, since many of the expensive projects constructed in the city by the previous administration have been left largely neglected. This will be a balancing act for the government, as it displays an investor-friendly environment to the outside world, while simultaneously convincing the local populace that residual benefits from the port will be felt by all.
Moreover, to the north lies India – Asia's second-largest economic superpower – which is also looking on with interest and concern, as its own long-term policy goals are not aligned one-to-one with those of China. Sri Lanka will surely fare well by continuing on its path of rebalancing foreign investment in large capital expenditures to include a wider array of governments.
Sri Lanka's economy looks promising for the coming years, as major changes in the business environment have taken – and are taking – place in the short to medium term, such as FTAs with Singapore and China, the regaining of the EU GSP+, development of human capital and further liberalisation of the economy. These, together with the involvement of the government, are supporting the objective of transitioning to a middle-income, knowledge-based economy. The country is continuing to use exports as a driver of economic growth, with a call for a focus on business process outsourcing and ICT-related services given their performance in 2017. Sri Lanka remains heavily in debt and carries a low revenue base; however, with policy measures introduced by the government and the IMF, the country is on the right track to achieving fiscal consolidation, thus improving its economic outlook.


The caster makes one creature or object radiate special darkness called darklight in a 5-foot-radius sphere. This spell is most useful in a large, naturally dark area. Within the darklight sphere, creatures that can normally see in the light can see, even though there is no light. Only creatures and objects in the sphere can be seen, and only creatures in the sphere can see within the sphere, unless other observers can naturally see in the dark. Thus, while two creatures in the sphere can see each other, a creature standing outside the sphere can neither see the creatures in the sphere (assuming it doesn't have darkvision), nor can it be seen by them. A creature with darkvision standing outside the sphere could see those within the sphere, but those inside could not discern the creature.
The darklight spell's sphere is invisible in normal light and does not function in magical darkness.


Social Security. Medicaid. When it comes to federal aid, you're most likely to think of programs that aid the poorest Americans. However, the US government channels billions of dollars in invisible aid to wealthy homeowners. As President Donald Trump cuts housing programs and poor renters struggle, it's important to consider how the current system exacerbates inequality. Find insight and empathy in a thought-provoking exploration with Pulitzer Prize–winning author and sociologist Matthew Desmond. getAbstract recommends his analysis to curious policymakers and activists.
Why the status quo needs to change –and why it hasn't.
Author and sociologist Matthew Desmond wrote the Pulitzer Prize–winning book, Evicted: Poverty and Profit in the American City.


BC & Alberta Guide Dogs breeds, raises and professionally trains Guide Dogs for individuals who are blind/visually-impaired, at no cost to the recipient. Our goal is to improve the quality of life for individuals living with little to no vision by providing a professionally trained guide dog. It takes up to 2 years and costs our charity up to $35,000 to produce each guide dog. Our organization relies on the generosity of donors to serve citizens of British Columbia and Alberta so that we can provide these dogs free of charge to families.
Guide Dogs enable the recipient to move around safely and independently, helping blind or visually impaired people navigate their surroundings. Under the handler's direction, dogs safely guide their partner around obstacles, through intersections, to stairs, doors and other landmarks.
At approximately fifteen months of age, the dogs enter the Advanced Training Program, working with a Guide Dog Mobility Instructor. This advanced training is completed in approximately twenty weeks, depending on each dog's individual needs.
Once the dogs in advanced training have completed approximately 75% of their training cycle, the Training Department begins the matching process of working dog with client. For each instructor this is possibly the most complex process of all. All aspects of the dog's abilities and needs must, at this time, be well understood. At the same time, we need to ensure that we fully understand the abilities, needs and expectations of the client.
The majority of programs held are conducted on a domiciliary basis (home based training). From time to time we also hold residential courses that are based at a local hotel.
Your new canine partner is delivered to your home by your class instructor. The practical class training then begins the following week and will take place over three weeks (15 days), Monday through Friday. Prior to delivering your guide dog, your instructor will have very carefully matched you to your specific dog to meet your individual needs based on your size, walking speed, home environment, and many other criteria.
The purpose of the pre-class placement is for you and your new dog to bond together before the rigors of class training begin. This bonding eliminates the possibilities of your dog being distracted by your class instructor. On the day of pre-class canine placement, your instructor will spend the day with you, instructing you on how to walk your dog on a leash with sighted assistance, in-house obedience, free running (in a secure area), feeding, grooming and toiletry.
Your formal training commences on the Monday, and over the next three weeks you will cover the entire spectrum of training, equipping you for success in your post-graduate period. Training includes working your dog in harness in both urban and rural areas. It also includes public transit, public buildings, shopping malls, routes with and without sidewalks, how to deal with obstacles on the sidewalks, safely crossing streets, as well as how to deal with the public and any access issues that might arise.
During class, your instructor works with you on an individual basis, and has just one client at a time. On completion of the program, you will have attained a high level of competency with your guide dog and will be well-established in your use of your home routes. Each client receives a minimum of 50 hours of in-harness training during the program.
During the application process, BC & Alberta Guide Dogs will work closely with you, your parents, appropriate individuals at your school, and other professionals who work with you. Also, we will develop an education program for the student body and faculty at your school, seeking their support in not feeding or distracting your new guide dog.
The youth training program always takes place during the summer vacation from school. We like to begin the class as soon as school is out so that you and your guide dog will have the summer to practice and raise your level of proficiency prior to your return to school in the fall.
Your new canine partner is delivered to your home by your class instructor either. The practical class training then begins the following week, and will take place over three weeks (15 days), Monday through Friday. Prior to delivering your guide dog your instructor will have very carefully matched you to your specific dog to meet your individual needs based on your size, walking speed, home environment, and many other criteria.
On the day of pre-class canine placement, your instructor will spend the day with you instructing you on how to walk your dog on a leash with sighted assistance, in-house obedience, free running (in a secure area), feeding, grooming and toiletry. The purpose of the pre-class placement is for you and your new dog to bond together before the rigors of class training begin. This bonding eliminates the possibilities of your dog being distracted by your class instructor.
Your formal training commences on the Monday and over the three weeks you will cover the entire spectrum of training, equipping you for success in your post graduate period. Training would include working your dog in harness in both urban and rural areas. It would also include public transit, public buildings, shopping malls, routes with and without sidewalks, how to deal with obstacles on the sidewalks, safely crossing streets, dealing with the public, and access issues.
During class each instructor always works on an individual basis with one client at a time. On completion of the class you will have attained a high level of competency with your guide dog and be well established in your use of your home routes. Each client receives a minimum of 50 hours of in-harness training in class. Part of your training program will also be conducted within your school to prepare you for your return to class in the fall.
During your first day of school your class instructor will be in attendance to ensure a smooth transition to the busy halls and classrooms.


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Home > Explore/UWP Information > Offices, Administrative > Governance > Policy 90
EXPLORE/UWP INFORMATION
Policy 90
Administrative Policy 90:
File Sharing Policy Issued: 12/05/12
Revised: 5/14/2015
Reference: Administrative Procedure 90: Network Access Restriction
Institution Approval:
Chancellor's Cabinet 5/6/13
Deborah L. Ford
Reviewers:
Campus Technology Services
Student Life Technology
90.01 Scope
This policy applies to all UW-Parkside students and visitors.
90.02 Background
Downloading or distributing copyrighted material, including through peer-to-peer file sharing, without the permission of the copyright owner is against the law. Additionally the 2008 Higher Education Opportunity Act (HEOA) has the following statements regarding copyright infringement:
(i) an annual disclosure that explicitly informs students that unauthorized distribution of copyrighted material, including unauthorized peer-to-peer file sharing, may subject the students to civil and criminal liabilities;
(ii) a summary of the penalties for violation of Federal copyright laws; and
(iii) a description of the institution's policies with respect to unauthorized peer-to-peer file sharing, including disciplinary actions that are taken against students who engage in unauthorized distribution of copyrighted materials using the institution's information technology system;
When registering a new device on the network users are informed of the University's applicable policies including UW-Parkside Acceptable Use of IT Resources Policy 58, Copyright Policy 76, and the Digital Millennium Copyright Act of 1998.
UW-Parkside Campus Technology Services and designees will assist users if their computers/devices are compromised through a virus, hacking, or if a user wants assistance removing peer-to-peer software.
90.03 Copyright Violations
When valid notifications of copyright violations are received from recognized groups, including but not limited to the Recording Industry Association of America's (RIAA), the registered user will be notified and access to the network will be restricted as outlined in the related procedure.
In addition, the network user may be referred to the Dean of Students' Office for possible additional disciplinary action as permitted under UWS Chapter 17, Student Non-Academic Disciplinary Procedures.
90.04 Network Abuse
If a student's or visitor's device appears to be connecting to multiple other devices or exhibiting other properties that violate our network usage policy, its access to the UW-Parkside network will be restricted. When network access is restricted, the registered user of that network device will be notified that the device could potentially be compromised, and will be offered contact information to assist in cleaning/repairing the software on that device. Once the problem has been rectified, the device will be allowed back on the network.
90.05 Legal Alternatives
A list of legal alternatives for downloading online content is available through http://www.educause.edu/legalcontent.
90.06 Policy Review
The Chief Information Officer (CIO) will coordinate an annual review of the policy. Members of the campus community can forward to the CIO suggested changes for review by February 1. Recommendations for changes will be provided by the CIO to the Chancellor's Cabinet for approval no later than March 1st.


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Music & Mixing
DJ Tips & Tricks: How To Fill Dancefloors & Keep Them Busy All Night
Use this trick to keep your dancefloor packed all night long, regardless of whatever style of music you play.
Phil Morse
February 17, 2019 | Read time: 1 min
Club/Festival DJing Pro
Last updated 17 February, 2019
So you've been asked to DJ the club all night. It's scary, but if you get it right, you're going to find yourself playing that last hour or two with a full and happy dancefloor, no cares in the world, tunes flying out of your playlists onto your decks, and a queue of people telling you how great the night has been.
Thing is, how do you get there?
In this lesson, I share my "Fill and Rotate" method of getting a dancefloor busy, and keeping it there. This is a big topic, but these basic rules will serve you in pretty much any situation where you're stepping up to play a club, and it's you all night long.
What do you think of this tip? How do YOU keep your dancefloor packed when you gig out? Let us know in the comments.
Phil Morse is the founder of Digital DJ Tips. His DJ career has taken him from a 15-year residency in Manchester, England, to the main room at Privilege in Ibiza - the world's biggest club. He is also an award-winning club promoter, and has taught music tech and DJing since 2010. He regularly speaks at DJ seminars and events worldwide.
Getting Success
10 Secrets To Opening For Big Name DJs
Your Questions: Should I Buy My Own Lights & PA System?
What It's Like To Work As A Cruise Ship DJ
Over To You: How Do DJ After An Indie Gig?


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Tom DeLonge Says He's Doing "Really, Really Important Things" with Area 51
The remaining members of Blink-182 recently entered the studio to record new material with Matt Skiba, but "divorced" member Tom DeLonge has no time for such small-potatoes pursuits. Aside from writing 15 novels with his bare hands (and some co-writers), the pop punk mystic has announced that he's taking his paranormal activities to the next level. Specifically, he claims he's now working on something with Area 51.
In a new interview with NME, DeLonge offered up some mysterious hints that he's working on something huge. "Beyond feature films, I'm doing a project I can't talk about that's bigger than Poet Anderson, that's dealing with issues of national security," he said. "So I'm flying out to New Mexico to have a meeting with the general of the US Air Force Space Command."
How many times do you think that general has made the "ground control to major Tom" joke?
But wait, it gets even crazier. In DeLonge's words, "What's even crazier is I had breakfast with two guys who work at Area 51 three days ago. So I'm telling you, I'm doing some really, really important things right now. And I don't have time to try and get people to believe in me or buy into it. When it rolls out, people will understand."
DeLonge went on to say that his history with Blink-182 means the band are still very important to him, but he has too many things on the go for it to be a top priority right now. Now that we know he's probably building a spaceship that will one day save the human race, we're starting to understand.
More Tom DeLonge
Angels & Airwaves Postpone Toronto and Montreal Shows Due to Tom DeLonge's Illness
Tom DeLonge was set to bring the IT-guy dream pop of Angels & Airwaves on another batch of North American tour dates this week, but he's sad...
Tom DeLonge Just Sold His Copyright Shares in Blink-182 Songs
It's well-established that Tom DeLonge quit Blink-182 to hunt aliens and, well, angels, but we've all assumed that he'll eventually make his...
Tom DeLonge Is Bringing Angels & Airwaves to Toronto and Montreal
Earlier this week, Tom DeLonge shared a weirdly horny new video from his U2-but-pop-punk rock band Angels & Airwaves. Now, he'll bring that...
Tom DeLonge Flirts with a Model in the New Angels & Airwaves Video
Punktrepreneur Tom DeLonge has spent his post-Blink-182 time working on myriad projects. Among them is his U2-but-pop-punk rock band Angels...
Mark Hoppus Admits Blink-182 Were Better with Tom
The ongoing saga of pop-punk megastars Blink-182 continues. Last week, the band delivered NINE — their second album without founding member...


The kit goes together smoothly with few issues, but I did notice the forward half of the fuselage did not close as well as the 747-200 series from Hasegawa. I used the kit supplied nose weights, but found that fit to be part of the issue, so I carved some of the plastic bulkhead that held the metal weights, and glued fishing weights onto each side of the fuselage interior for good measure. I airbrushed the interior with Vallejo Air black and sealed up the halves. The engines are nice, but have those annoying seam lines in the intakes which will take care to remove, and will probably require the most time to complete. They are thin and delicate, so I will have to use care to eliminate them while still keeping a perfect spherical shape for the intake.
This model has several sink holes that need to be dealt with, most of them being on the lower wing sections. I used Aves Fixit Sculpt to cover them up, as I felt gap filling glue would take several layers, and wanting this to be a quicker project, I decided to use my putty of choice.
This has been a nice break from the real world, and it is fun to imagine what could have been……………..More to come soon!
Wow!!!! Awesome!!!!! Go!! Go!! Great article. Before you know it Brandon- you'll have the whole club building an airline (I think it should be REQUIRED!!!!!…LOL).


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Q: Two TextWatchers creating an infinite loop I have 3 EditText fields in my android app that I'm trying to have communicate with each other. They are order total, amount received, and tip. The user enters the price of the order in the first EditText. The other two EditTexts are the ones I'm wanting to modify based on the value of each one. If the user enters 20.00 in the order total and 25.00 in the amount received, I would like the tip to display 5.00. Likewise, if they enter 20.00 in the order total, and 5.00 in the tip, I would like amount received to display 25.00. I have all the calculations correct, and each one of my TextWatchers work as long as the other one is commented out, but with both of them it just creates an infinite loop. Is there a good way to do this, or can someone please point me in the right direction to some helpful links? I can't seem to find any that work for what I'm trying to do.
My code is as follows:
eTotalCost = (EditText) findViewById(R.id.orderTotal);
eAmountReceived = (EditText) findViewById(R.id.amountReceived);
eTip = (EditText) findViewById(R.id.tip);
eMileage = (EditText) findViewById(R.id.mileage);
eGrandTotal = (EditText) findViewById(R.id.grandTotal);

eAmountReceived.addTextChangedListener(new TextWatcher()
{
    @Override
    public void beforeTextChanged(CharSequence s, int start,
                                      int count, int after){}

    @Override
    public void onTextChanged(CharSequence s, int start,
                                  int before, int count){}

    @Override
    public void afterTextChanged(Editable s)
    {
        eAmountReceived = (EditText) findViewById(R.id.amountReceived);
        eTotalCost = (EditText) findViewById(R.id.orderTotal);
        eTip = (EditText) findViewById(R.id.tip);
        eMileage = (EditText) findViewById(R.id.mileage);
        eGrandTotal = (EditText) findViewById(R.id.grandTotal);

        sAmountReceived = eAmountReceived.getText().toString();
        sTotalCost = eTotalCost.getText().toString();
        sMileage = eMileage.getText().toString();
        sTip = eTip.getText().toString();

        try
        {
            dAmountReceived = Double.parseDouble(sAmountReceived);
            dTotalCost = Double.parseDouble(sTotalCost);

            dSubtract = dAmountReceived - dTotalCost;
            dMileage = Double.parseDouble(sMileage);
            dGrandTotal = dSubtract + dMileage;
        } catch(NumberFormatException e){}

        sTip = String.valueOf(dSubtract);

        DecimalFormat df = new DecimalFormat("0.00");
        sTip = df.format(dSubtract);

        eTip.setText(sTip);

        sGrandTotal = String.valueOf(dGrandTotal);
        sGrandTotal = df.format(dGrandTotal);
        eGrandTotal.setText(sGrandTotal);
    }
});

eTip.addTextChangedListener(new TextWatcher()
{
    @Override
    public void beforeTextChanged(CharSequence s, int start,
                                      int count, int after){}

    @Override
    public void onTextChanged(CharSequence s, int start,
                                  int before, int count){}

    @Override
    public void afterTextChanged(Editable s) {
        eAmountReceived = (EditText) findViewById(R.id.amountReceived);
        eTotalCost = (EditText) findViewById(R.id.orderTotal);
        eTip = (EditText) findViewById(R.id.tip);
        eMileage = (EditText) findViewById(R.id.mileage);
        eGrandTotal = (EditText) findViewById(R.id.grandTotal);

        sAmountReceived = eAmountReceived.getText().toString();
        sTotalCost = eTotalCost.getText().toString();
        sMileage = eMileage.getText().toString();
        sTip = eTip.getText().toString();

        try
        {
            dTip = Double.parseDouble(sTip);
            dTotalCost = Double.parseDouble(sTotalCost);

            dAdd = dTotalCost + dTip;
            dMileage = Double.parseDouble(sMileage);
            dGrandTotal = dTip + dMileage;
        } catch (NumberFormatException e) {}

        sAmountReceived = String.valueOf(dAdd);

        DecimalFormat df = new DecimalFormat("0.00");
        sAmountReceived = df.format(dAdd);

        eAmountReceived.setText(sAmountReceived);

        sGrandTotal = String.valueOf(dGrandTotal);
        sGrandTotal = df.format(dGrandTotal);
        eGrandTotal.setText(sGrandTotal);
    }
});

A: You are looping setText methods from withing afterTextChanged callback
What is going on:
You have 2 textWatchers: one for eTip and one for eAmountReceived
When you call setText() on any of those fields it will start looping, since setText will trigger afterTextChanged and in both of your text watchers you are calling setText() for opposite field which, again, will trigger afterTextChanged
In order to avoid this, introduce some boolean flags that will indicate is value already set for respective edittext or call setText only if new value is different from previous one which is already set

A: First of all delete findviewbyid codes in afterTextChanged. You don't need to to declare them in every usage. Only use is in onCreate.
The easiest solution for your question keep your TextWatchers in variables declared in class. Then before every setText() call, call removeTextChangeListener for all textWatchers and re add textWatchers after setText().
Edit: not remove and re add in all setText() call. Do it only in condition makes loop.

A: I had this exact same problem when trying to create a currency converter app. (Change value in editText 1 should change the value in editText 2 and vice versa).
The way I got around it was to create two text watchers.
private TextWatcher TextWatcherClass = new TextWatcher() {

    @Override
    public void onTextChanged(CharSequence s, int start, int before,
                              int count) {
        editText2.removeTextChangedListener(TextWatcherClass2);

        }

    }

    @Override
    public void beforeTextChanged(CharSequence s, int start, int count,
                                  int after) {
    }

    @Override
    public void afterTextChanged(Editable s) {

        editText2.addTextChangedListener(TextWatcherClass2);
    }

};

private TextWatcher TextWatcherClass2 = new TextWatcher() {

    @Override
    public void onTextChanged(CharSequence s, int start, int before,
                              int count) {
        editText1.removeTextChangedListener(TextWatcherClass);
        }
    }

    @Override
    public void beforeTextChanged(CharSequence s, int start, int count,
                                  int after) {
    }

    @Override
    public void afterTextChanged(Editable s) {

        editText1.addTextChangedListener(TextWatcherClass);
    }

};

Hope this helps.

redpajama_set_name: RedPajamaStackExchange


The debt ceiling and the fiscal cliff: Both elements of the political third rail – especially in an election season in which Mitt Romney and Barack Obama face a brutal battle to the finish line. But the nation's looming fiscal crisis has voters paying attention – and the Fed clamoring for Congress to act.
Federal Reserve Chairman Ben Bernanke ratcheted up his calls on Congress to avert the fiscal cliff:, a combination of tax increases and spending cuts scheduled to kick in at the beginning of 2013. In a press conference recently, he said specifically, "(The Fed) can't solve this problem ourselves." He warned, "If the fiscal cliff isn't addressed, I don't think our tools are strong enough to offset the effects of a fiscal shock. It's really important for the fiscal policymakers to work together to find a solution for that."
But are the chairman's words falling on deaf ears in Washington?
The Senate passed a $1.047 trillion, six-month stop gap bill in a late-night vote this weekend in yet another last-minute move to keep the government running. Though the stopgap measure delays the seemingly ever-present threat of government shutdown in the short term, it does nothing to chip away at the mounting U.S. debt and increasing government spending. And it's a tool Congress continues to deploy rather than dealing with the issue by passing appropriations bills that would fund the government properly.
The Office of Management and Budget released a report last week presenting the possible consequences and impact of sequestration -- automatic spending cuts that are part of the fiscal cliff. In that report, the OMB issued this dire warning.
"…the report leaves no question that the sequestration would be deeply destructive to national security, domestic investments, and core government functions. …sequestration would undermine investments vital to economic growth."
Unfortunately, the nation's fiscal woes have become a pawn in the election game for Congress. Neither chamber plans to take action to avoid the fiscal cliff until after November 6. Even then, though, it's impossible to say whether the new Congress will take action or suffer the same fate the deficit reduction super committee faced when it was unable to agree on a viable plan, placing the nation on the fast track to sequestration.
Douglas Holtz-Eakin, president of the American Action Forum, explains what all of these what-ifs mean for the nation in the long run.
Indeed, it seems the threat of a credit downgrade is an ever-present cloud of gloom hanging over Washington, adding to the mounting pressure of a gridlocked Congress failing to act. Last year during a similar debt debacle about whether to raise the debt ceiling, Standard & Poor's lowered its outlook on the U.S. from AAA to a AA+. The downgrade sent shockwaves through financial markets across the world since the U.S. is one of the safe haven assets of the world. This time around, it's Moody's turn to call for action. The credit service in a report this month it plans to lower its gleaming AAA rating for the U.S. if lawmakers can't get the nation's fiscal house in order. On Tuesday, the company released a statement outlining two potential scenarios for Congress.
1) Do nothing, forcing the nation go over the fiscal cliff and face: -Higher taxes -Lower spending -Another recession in 2013 -An unemployment rate of 9.2% beyond 2013 -No more action from the Federal Reserve because interest rates are already too low -Moody's cites a 15% probability of this scenario.
2) Take some action, avoiding the fiscal cliff and face: -No changes to taxes or spending levels -An improved U.S. economy in 2013 -No progress to long-term fiscal sustainability -Credit services likely to downgrade U.S Treasury debt and federally supported institutions -An unemployment rate remaining above 6% -Moody's cites a 30% probability of this scenario.
A fix for the national economy is not as simple as just passing a budget, or reducing government spending. And the risk is potential to seriously destabilize an economy that is already at a tipping point. If more than one credit ratings service decides to downgrade its outlook on the U.S., it not only spells trouble for lawmakers, but financial markets as well. In its report, Moody's warns what follows multiple downgrades would be a very different scene than when S&P took action. That's because money-markets funds and other investment tools hold only the highest quality bonds.
Holtz Eakin takes that one step further, describing what the bigger picture would look like in the absence of some kind of Congressional action.
Still, no matter how you slice it, it seems the future of the economy all comes down to politics.
Holtz-Eakin said all hope is not lost, though, if the U.S. suffers a downgrade, and that the nation is "100% capable of taking care of its fiscal problems." The one large caveat, however, is first setting aside the nation's political problems -- it's only then that lawmakers will get to work on implementing a real solution to the financial crisis.


Combine modules even if they touch the same code zone, enjoy being able to install more modules!
Avoid this error : "Unable to install override: The method XXXX in the class YYY is already overridden.
This module allows you having more modules and having more fonctionnalities for your shop and not to be blocked by this error : "Unable to install override: The method XXXX in the class YYY is already overridden".
Technical information: Now, modules can share the same override!
Enjoy installing and combining many modules.
This permits to combine modules even if they touch the same code zone.
For example, a module which modifies links and an other who collects them.
2) Also offer a better project management for developers.
In /override, there are only developers' overrides.
In /override_multi, there are only modules' overrides.
They don't have to think about if there file come from modules or if they created it.
And the developed code will always be priority on the modules.
The override of the modules is saved in the repertory /override_multi and your own override, like before, in /override.
Your clients will navigate on a website with more functionalities.
Now, you can install any module for your clients and don't care of the compatibility between them.
The last installed module will always be priority on the previous one.
It is for that reason that it can be necessary to install a module after an other.
In most case, you will not have to think about this.
This module doesn't need any configuration and any file modification, it installs himself.


Federal Parliament has formally apologised to union members and others caught up in the criminal scandal involving former Labor MP Craig Thomson.
Thomson, the former Labor member for the New South Wales seat of Dobell, has been found guilty of using his work credit card to pay for prostitutes when he was head of the Health Services Union (HSU).
Manager of Government Business Christopher Pyne moved the motion calling for Parliament to express "regret" and apologise to individuals named in a statement to the House on May 21, 2012, by Thomson.
In the statement, Thomson professed his innocence and claimed he was being set up.
Mr Pyne told Parliament Thomson's statement was not true.
"We gave him that grace and he returned the favour by misleading the Parliament, by defaming individuals who couldn't defend themselves under parliamentary privilege," the Liberal frontbencher said.
"For that reason we take this motion very seriously today."
Opposition Leader Bill Shorten says Labor has no place for those who engage in union corruption.
"Labor will be supporting this resolution without equivocation, without reservation," he told Parliament.
"We will support this resolution because what happened in May of 2012 was an abuse of the privilege of Parliament in our opinion."
The current member for Dobell, the Liberal party's Karen McNamara, told Parliament the voters in her electorate were disgusted with Thomson.
"He showed complete disregard for those who put him [in Parliament]," she said.
Parliament's powerful Privileges Committee will also investigate whether Thomson deliberately misled the House - an inquiry that could result in a jail term or a hefty fine for the former MP.


It's now well settled that there has never been a greater challenge to financial advisors than the DOL's expanded fiduciary regulation—it's the most significant regulatory change in the 40 years since the passage of ERISA. It affects how advice is provided to every private sector 401(k) plan, every IRA and every rollover distribution to or from a plan or an IRA, making it the elephant in the room for every financial advisor serving clients today.
Under the new rule, providing advice one time—even just uttering the word 'recommend'— will make you a fiduciary, even if the advice is not the primary basis for an investment decision. The client just needs to receive the advice, not act on it.
So recommending a rollover, for instance, would be considered fiduciary advice even if you are not recommending specific investments. What does all this mean? All financial advisors, at some point, will find themselves in situations where they are acting as a fiduciary. This is not business as usual.
But if you want to continue working, and you don't want to have your recommendations limited by the fiduciary regulations, you may have a workaround. The new rule famously (or infamously, depending on your point of view) provides exemptive relief under the Best Interest Contract Exemption, or BICE. BICE gives you a means to disclose that you are accepting commissions and trails, that you are using proprietary products and other options.
But BICE is far from a 'get out of jail free' card. Even if you are a fee-only advisor there may well be instances where you need to contemplate whether the BICE is necessary for you.
1) BICE has no bearing on discretionary accounts.
There is no exemptive relief from the fiduciary rule if the advisor has discretion over the account. That clearly was and is prohibited and violates the prohibited transaction rules contained both in ERISA and the Internal Revenue code. BICE goes hand in hand with client approval.
2) Using BICE requires a financial institution to indicate that you are charging no more than reasonable compensation, and that you are not making any misleading statements about transactions, compensation, or other conflicts of interest.
So your first question might well become, what is the policy at the institution(s) you affiliate with? Then, what's reasonable compensation? Who is the judge?
Of course a lot of firms are or will contemplate moving away from variable fee structures, different 12b-1s or finders' fees on mutual funds and move to a level-fee platform. In this case, simplicity makes regulatory sense. Under BICE you can recommend an investment that pays you greater compensation than another, but it must be in your client's best interest.
The real protection, for your business growth as well as for regulatory compliance, is to document the process you've used to determine what's reasonable. That includes benchmarking information in order to evaluate the reasonableness of the compensation in light of the value (services) you provide to your clients. How are you fulfilling those responsibilities? Are your fees fair relative to others in the industry? The resulting process-driven documents will demonstrate your value to clients as well as to examiners.
3) BICE won't get you out of full fee disclosure.
BICE requires you to affirm your client's right to complete fee information, provide access to your compensation and indicate any material conflicts. It mandates all of these, and disclosures are to be carefully considered by you and your firm. Some clients will sign BICE and never look at any details, but others will find your fee disclosure, even if it's buried on your website, and scrutinize. Just know it.
4) Compliance professionals are your new best friends.
5) You will need to keep better records than ever.
If you have wondered what to do with your CRM system beyond noting birthdays and anniversaries, you're in luck: this is really how these systems should be used going forward. Use your CRM copiously to prove that the services you've been contracted to provide are, in fact, being delivered. Note when you send each annual review and quarterly statement. Log the results of every client meeting.
You can also create success metrics to prove your value.
For example, if you advise retirement plans, at enrollment meetings you may want to provide reports that show participant engagement, such as improving contributions or rising deferral percentages. You can show diversification rates, matching-fund participation, and more. Our firm makes it easy for you to generate these sorts of reports, which will show your value and the value of your firm, and support your fees as reasonable.
Compliance experts are unanimous in recommending meticulous records of your activities once the DOL rule is enforced. There is a famous line in a court opinion interpreting ERISA: "a pure heart and an empty head are not enough." In other words, ignorance of the law is no excuse. These requirements do apply and as an advisor, you need to understand that.
But keep in mind that, like all regulatory changes, this one is far from the end of the world. Fighting the tide is much harder and less satisfying than surfing the wave.
In fact, if you adjust rapidly, you may find yourself at a competitive advantage.
Advisors will find many firms ready to help them adjust to the new regulatory regime, and they may find that serving their clients in a fiduciary manner, with level and reasonable fees, thoughtful advice and plentiful disclosure of potential conflicts, is well worth the effort.


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Jack Healey Commentary July 2nd, 2018
It was brutally hot on Saturday afternoon, but it didn't stop the hundreds of mourners many from the Lenny Burke Farm who filed into the the Castleton University Pavilion to pay their respects to former MSJ basketball standout Lenny Burke. It was a beautiful service as members of the family and others spoke of their memories of Lenny.
Former Castleton University President David Wolk spoke first. He was a guidance counselor at MSJ at the time Lenny was a student there. Lenny's mom Emma was next and the love and dedication and courage of this amazing lady was shown again on Saturday as her words were received with a standing ovation.
Then Lenny's siblings spoke all with class and eloquence and all with so much love in their hearts. Younger brothers Kevin and Michael Burke and sister Kathleen Burke Kourebanas. Also Dr. Ron Savage who worked so hard over the years to educate the public on traumatic brain injuries spoke as did Jim Kelley who was Lenny's basketball coach and is now a dedicated member of the family. Finally a prayer of strength and peace was read by Tommy Kourebanas.Tommy is Lenny's nephew and was an All-State offensive and defensive lineman at Essex and is now playing Division 1 football at Sacred Heart University in Connecticut. Tommy was also a member of the Vermont Shrine team that was recognized at the very same Castleton University pavilion almost a year ago. The service ended with the hymn "How Great Thou Art", Lenny's favorite hymn.
Rutlanders turned out to celebrate Lenny's life, the same way they turned out to raise over $100,000 during a two day "Miracle Radiothon"in March of 1979. Rest In Peace Lenny Burke. God Bless You. You are an inspiration to all of us!


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Trad (från engelskans trade) är en handelsrutt, vanligen till sjöss, ofta med någon viss vara. Exempel är australienska vetetraden, kinesiska tetraden, chilenska nitrattraden.

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issues with an eye toward progressing HTTP/1.1 from "Proposed"
HTTP/1.1 but were not finished in time.
the last meeting of the working group will be in Munich.
Next message: Larry Masinter: "draft minutes, HTTP-WG meetings April 7"
Previous message: Josh: "Re: ID: Proxy autoconfig"


Fortunately for Frankle, he realized in time that the financial needs of his family had changed – whether that change was due to inflation, increased standards of living, or even just increased financial needs associated with aging.
But most people aren't so lucky. Many consumers look at life insurance as one of those policies you buy and then forget about. Pay the premium every year, and you never worry about it again. But your life insurance policy will probably need to evolve just as your entire financial plan does.
Has your income increased? As your income increases, generally, so does your standard of living. This means that your family may need more money after your death to keep them living in the style that they become accustomed to. If your income increases and your lifestyle (and spending) remain unchanged, then you can probably keep your policy unchanged.
Has your debt increased? The more debt you have, the more of your death benefit your family will need to spend paying it off after your death. If your debt is higher than it was when you purchased your policy, you may want to consider buying an additional policy or increasing the death benefit of the policy you have.
Are you meeting your savings goals? If you are having trouble saving as much money as you had planned in order to pay for your children's college education or retirement, then consider the tough spot your spouse will be in if you should pass away. Increasing your life insurance policy death benefit to compensate for missing savings goals can help.
So every year that you review your financial plan, remember to also review your life insurance policy.


In compliance with Public Act No. 09-81 the Pomfret Board of Education has implemented a green cleaning program for the cleaning and maintenance of its school building and facilities. No parent, guardian, teacher or staff member may bring into the school facility any consumer product which is intended to clean, deodorize, sanitize or disinfect. Additional information may be obtained from Thomas Lepine, Facilities Manager and Custodial Supervisor.
DEEP commissioned its own "mythbusting" team to educate school employees and parents about the hazards of common cleaning products while showing the benefit and effectiveness of using green cleaners. In this video parody of the popular Discovery Channel television show, the Wastebusters work with scientists to prove that green cleaning products work as well as regular cleaners.
CT law requires that the School Facility Survey (ED050) be posted on the district's website. In Pomfret, we submitted the attached report in October 2013. An updated survey was submitted to the state in the fall of 2016. It is available in the school office for review.
In compliance with the Asbestos Hazard Emergency Response Act (AHERA), the Pomfret Community School's Plan is on file in the PCS office and may be accessed M-F 9:00-3:00. Additional information may be obtained from Thomas Lepine, Facilities Manager and Custodial Supervisor.


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Edinburgh Sixt Edinburgh Waverley Station, United Kingdom
When you arrive at Waverly Train Station, please follow the signs for Way Out to Calton Road which is situated next to platforms 2/3. Please go up the steps and out of the station. Walk under the arch bridge and continue 0.2 miles past Starbucks Coffee shop and you will see Q-Park Omni entrance to car park on your right (opposite John Lewis). Please turn right and walk down Greenside row until the Q-park car park on the left. The SIXT branch is located straight ahead of the barriers. The journey will take you approximately 5 minutes.
Mileage Policy: Unlimited
Drivers Age
Customers who fall outside the age limitations will not be able to rent a car unless there is a young or senior driver fee specified in this section. Please note that, if applicable, this fee will be included in the rental price and will be payable on arrival at the rental desk in the local currency.
Third party insurance;
Special conditions apply to the terms of SIXT's third party insurance for anyone whose primary occupation is a Restricted Profession. The professions include, professional sports people, professional actors, musicians, TV personalities and/or Royalties. Please contact SIXT Customer Service for further details.
Cross border rentals and territorial restrictions:
Commercial vehicles, Passenger vehicles in P***, L***, X*** categories, MPV (8+ seats) and minibuses are not allowed to go overseas or abroad.
Mercedes Benz, BMW, Audi, Volvo, Jaguar, Land Rover, Mini are only allowed to enter Zone 1 countries (except of above mentioned car groups.)
The vehicle selection can restrict travel to certain countries. For a description of these restrictions on admission, the countries are divided into three zones.
Zone 1: Andorra, Austria, Belgium, Denmark, Finland, France, Germany, Gibraltar, Great Britain, Northern Ireland, Ireland, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Norway, Portugal, San Marino, Sweden, Switzerland, Spain and Vatican
Zone 2: Croatia, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Slovakia and Slovenia
Zone 3: All countries which are not in zone 1 or 2.
Entry into any country in zone 3 is not permitted.
The transport of the vehicle by ferry is permitted in compliance with the above-mentioned entry restrictions. Damage to the vehicle during the crossing will be covered according to the protection booked in the rental contract, except damages due to external effects like heavy seas or sinking.
In case of offence against cross border and territorial restrictions all insurances lose their validity.
Continental Breakdown Charge:
A Continental Breakdown Charge applies for all rentals outside UK (mandatory).
A surcharge of £ 57.96 to £ 124.83 per rental applies for 1-31 day rentals (dependng on the length of your rental) and £226.54 for 31+ day rentals. No charge apples to travel to Northern Ireland.
There is also a "foreign use" charge which is 60% of the total rental cost.
For more information, please contact your local Sixt rental station, help-uk@sixt.com or our contact centre +44 (0)844-4993399.
Congestion Charge:
There are some cities in the UK, for example London and Durham, that charge congestion fees for driving in and through them. The renter is responsible for checking the congestion terms and is liable for the payment of such fees. For rentals commencing from a branch within a Congestion Zone, the Congestion Charge will automatically be applied to the rental agreement to cover the first day of hire. You will remain liable for the payment of congestion fees for any other additional days.
In case of non or late payment, additional fees may be incurred which the renter will be liable for. An administration fee of 40.00 GBP will apply for every transaction handled by Sixt.
The congestion charge is only boobkable at the station!
It shall not be sold at the call centre!
Renault Captur or similar
5 days, Oct 2021
Limited Mileage
With this car, you can use up to 1200 miles per rental period. Additional charge of per mile will apply for extra miles.
BMW 5 Series or similar
10 days, Apr 2022
✔ Automatic Transmission
Breakdown assistance is included with this car. In case of emergency during business hours, call the number provided by your car rental supplier and they will send help. Assistance outside of business hours may incur an extra charge. Please note that this only covers mechanical failure.
Unlimited mileage with this rental means you can drive as much as you want, with no additional charges for extra kilometers.
This covers damage sustained by another driver's car in the event of an accident caused by you
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