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Features Top Features
Entrepreneurship as an Encore Career
Thinking about retiring? Then it's time to start a business. Americans over the age of 55 have the highest rate of self-employment
Do you know what you'll do once you retire? If you're like many baby boomers, you'll be working in some way or another. According to a Pew Research Center study released in 2016, 18.8 percent of Americans 65 and older — numbering almost 9 million — work full- or part-time, up from 12.8 percent or 4 million in 2000.
For many baby boomers, their labor won't be for someone else once they retire from their career position. In "The Multistage Life and Self-Employment in the On-Demand Economy" posted in March 2017 by Small Business Labs, "Americans over the age of 55 have the highest rate of self-employment of any age cohort."
Many factors account for the entrepreneurial bug biting. For Leslie Rose McDonald, losing several human resource specialists jobs caused her to think that she could provide a useful service in career development and helping other adults transition. She specializes in helping baby boomers shift gears to new careers.
It wasn't easy to start out on her own to found what eventually became Pathfinders CTS, Inc. in Liverpool. Knowing human resources is one thing; starting a business entails a lot more. That's why McDonald sought out experts in the area whom she trusted for mentoring and advice.
McDonald followed advice she often shares with others, "Is there some yearning in the background?"
By establishing her own career transition firm, she could truly help others while leveraging her experience in human resources.
"It's about looking at your heart for something you're passionate about," McDonald said.
But once a would-be entrepreneur has established what to do, it's time to think about why.
If it's for the money, it's especially important to consider the up-front investment. Consulting, writing and similar home-based work may require $1,000 or less investment. Opening a major franchise location often requires hundreds of thousands — and much more time involvement and a longer return on the investment. Be honest with yourself as to how much of your time and financial resources you want to commit.
The ongoing financial commitment and the timeliness for the return on investment represent huge factors for baby boomers who want to start businesses. Will the business make money in time to recoup the investment?
For some people, taking over an existing business represents the way to go. It already has an established customer base, vendors and business systems in place; however, you may find that you don't like the direction the business is going or how the processes work. Revamping a business may prove more difficult than starting from scratch.
For those who are financially comfortable, an encore career could enhance their legacy.
Many baby boomers simply feel bored doing nothing in retirement and find fulfillment in operating their own business.
Another example, Jane Falter of Rochester transitioned from working in human resources to offering professional coaching as a way of parlaying her years of experience into a successful small business. Falter was a little young to retire at the time and thought that starting her own business at this point would allow her to finally accomplish her dream that previously "I didn't have the guts to do."
She advises soon-to-be retirees to examine themselves for "some sort of skill that may indicate what they want to do."
That may be completely different from what you've been doing, such as a weekend hobby you'd like to make profitable or, like McDonald and Falter, a half-step away — with some education needed. Falter has furthered her education to learn coaching and effective resume writing.
Falter advises would-be entrepreneurs to network with others in their desired industry and in business/entrepreneurial groups.
It takes time to establish and grow a business. Falter said that about five years is right. To help soften the effect, you can establish networks and work at it part-time before retirement.
"Start planning, if you still have a job," Falter said. "It takes more resources that you initially may estimate."
Regardless of what type of business you run, Falter thinks that the most difficult part is marketing. She always keeps her eyes open for opportunities and encourages entrepreneurs to "follow your gut."
While marketing experts produced a professional online presence for her, she realized it was too stiff and formal for her. She wrote her own and felt that it was more authentic (though if writing isn't your forte, a proofreader may help you).
"It has to be deeper than what you do but who you are," Falter said.
← Telling Your Tale
Fulton Amateur Radio Club Turns 60 →


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DeKalb County Police investigate double shooting
DeKalb County Police are searching for a gunman who shot a man and woman.
It happened 2000 block of East Drive in Decatur. Investigators said they found the victims, a man and woman, in the street. Police said the victims were shot in the street.
Police told FOX 5 News that the gunman shot the man three times: once in the stomach, once in the buttocks and once in an unknown area. He is in stable condition at Grady Memorial Hospital.
The woman was shot in the arm. She is expected to be okay.

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: How do i adapt my current timer code to show the remaining time? My current code does not have any existing problems, but I was wondering if there was a way to make it display the time until completion.
I haven't tried anything yet because.I don't know if it is currently possible for my software(google colab)
code:
import time
tst = input("How long? :")
time.sleep(int(tst))

redpajama_set_name: RedPajamaStackExchange


I primarily work in the domains of communications and facilitation and I am happiest engaging projects that exist at their intersection.
In my definition, facilitation is the work of making it easier for a person or group to move towards a desired goal. My life/productivity coaching is faciltiation at the scale of the individual. Some of my social media work related to public engagement (ex: running communications for GoBoston2030) is facilitation at the largest scale. I am happy anywhere in between and I strongly prefer in-person, multicultural, and justice-oriented gatherings.
I have been trained by the Interaction Institute for Social Change in Facilitative Leadership and the Fundamentals of Facilitation for Racial Justice Work, by Interaction Associates as a Masterful Trainer and as a Manager, by adrienne maree brown in emergent strategy facilitation. Some of my 2018 clients include Grist.org and the Multicultural Teaching Institute. Upcoming work in 2019 includes a workshop for a Boston College freshman energy seminar on having difficult conversations and facilitating at the Center for Story-Based Strategy's Advanced Practitioner Training.
For more info, please see my bio or my online CV. If you prefer a customized résumé, please ask.


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This ''Brave New World'' Study Guide course provides an effective resource for understanding the novel. The video lessons are about five minutes long each and are paired with practice quizzes to prepare you to discuss the content of this novel or take a exam.
Watch all the fun videos in the course to learn important information.
Be Ready on Test Day: Use the Brave New World final exam to be prepared.


Drs. Joany Spierings (1954) is a Psychologist and a Psychotherapist, working in the Mental Health Service for 37 years, specializing in complex trauma and complicated grief.
She is the team coordinator of the Trauma team of GGZ Oostbrabant. She is a teacher in post-academic training, and a presenter at many national and European EMDR-Conferences. She has taught in over 25 countries worldwide.
She is involved in EMDR since 1994, she is a senior supervisor (Consultant) and EMDR supervisor trainer.
She is a founding member of EMDR Europe and the Dutch EMDR Association, and vice-President of the Humanitarian Assistance Program, HAP-Europe.


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Fertrell's Berry Mix is an easy to use, safe, all natural fertilizer aimed at increasing berry yields, improving flavor and quality, and improving the overall health of your fruiting plants. This blend works well in most any soil type and doesn't need any special equipment to apply. This product is best applied at the end of the season and contains a blend of macronutrients as we as Boron and Zinc.


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Q: Include js file in a Textview I should insert some HTML code in a textview using .fromHtml().
But I also have some customization, like custom tags.
How can I import a local or remote js file making it works on textview?
Thanks :)
PS: I'm Italian... sorry for any error :(

A: You want to include javascript in a text view? This is not possible.

A: You don't. If you need both HTML and JavaScript, then use the far more appropriate WebView.


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stoneghost28
About stoneghost28
Kyll.Ing. reacted to a post in a topic: [Spoilers] Episode 805 Discussion May 18
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[Spoilers] Episode 805 Discussion
stoneghost28 replied to Ran's topic in E05: The Bells
Excellent example. There's literally zero way to justify their story telling choices with Jaime. When he left, the relationship was severed on point of near murder/fratricide. Jaime then was pardoned more or less by his near murder victim in Bran, pardoned essentially by the people of Winterfell, and then allowed to fight on the front lines in a trusted, key position in the fight against the Night King, a fight that Cersei used to her advantage to murder key figures in the fight (Rhaegal and to a lesser extent Missandei) and to consolidate her power for the final battle. He survived the battle rescuing Brienne and also being rescued and saved himself by both Arya and others. He's a warm and accepted part of the post-victory celebration. He then learns that Cersei annihilated and Killed several of his fellow soldiers in the long night through a surprise attack, killed a dragon that nearly died in the battle versus the Night King, and captured and beheaded a defenseless female diplomat. He then decides that nothing else matters other than going to Cersei. This is the most ludicrous, impossible to believe horse bleep I've ever seen in my life. Literally NO ONE would behave in this way. NO ONE. It was absolutely moronic. For anyone that thinks its part of the long story, or it connects to this or that, or that there are logical strands to any of this I'll remind you, the show runners explanation of how the Iron Islands Fleet could kill Rhaegal w/the most accurately shot super crossbow bolts launched FROM MOVING NAVAL VESSELS ON THE SEA was because Dany "Forgot" about their earlier surprise attack on Yara's fleet etc. All you need to know about that explanation is that they were either too stupid to remember that issue itself, or didn't care, and thought it was perfectly acceptable to think a roomful of advisors, not just Dany, would neglect to mention the potential of a Euron ambush during said Grand Strategy Meetings at Winterfell before the disaster. Oh and there's that small issue of somehow Dany failing to notice an entire navy sitting on the water ahead and below ready to attack her while she was flying to Dragonstone. This is a case of either stupidity or a monumental underestimation of the intelligence of the audience and the ability of any adult to suspend disbelief.
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#1: I hear you there, and I also fully understand what you're saying about medieval warfare, ancient warfare etc. The bulk of the world today has completely forgotten how hideous and brutal warfare was for 99% of human history. I'll grant that WWII was as brutal and worse in terms of scale than anything ever, and the behavior of the SS/Einsatzgrupen in Europe and the Soviet Union combined w/some of the brutality in the Pacific Theatre comes close, but generally speaking the surviving texts we have covering war particularly in the Ancient World would make a Horror Porn devotee never stop throwing up. The Assyrians come to mind again, in terms of the insane brutality they indulged in w/regards to defeated enemies. So none of this is unfamiliar to me. Ditto the sacking of cities as a form of salary for soldiers. I get that. My problem here is that Dany, on the show, was different. She was ruthless when she needed to be, but never strayed into an out of control genocidal psychopath until Sunday Night. #2 On Dany's transition. I understand what you're saying here as well. This is the case for it. But in the actual #1 pacing of the show and #2 character of the individual I just don't buy it. I suppose there's a core split here between people who seem to hue more closely to the book character, and those of who hue to the series character. I'm the latter. I'm judging entirely based upon what I'm seeing on the show (being the show thread), and while this inclination may be more clear in the books, it's not in the show. I can see what your saying about the things that have happened. #1: Suddenly Tyrion becomes a total halfwit when they move back to Westeros seemingly not making one quality decision in two entire seasons and the resulting disasters that befall Dany's allies as a result. #2 Losing Viserion #3 Discovering Jon's parentage and claim. #4 Losing Jorah, losing the Dothraki, and the Unsullied (a huge portion) and nearly losing both Dragons in battle w/Night King. #5 Losing Rhaegal and a Navy, AGAIN. #6 Witnessing Beheading of Missandei #7 Learning of the betrayal of Varys, Jon and to some degree Tyrion. That's a lot to handle, and part of the problem is that all of this has been compacted into basically what, 8 or 9 episodes, five of those seven things happening in just four episodes, so it comes across as a bit much when it comes to a show that's what 72 or 73 episodes deep. However, even w/all these things happening, why do you suddenly become a genocidal maniac? Everyone everywhere experiences tragedy. Even world leaders. I didn't see Joe Kennedy jump into a B-52 and Nuke Russia or hell, blow up the pentagon after he lost his second AND third son's to assassination. Tragedy and loss happens. Anger and Grief can be a response. But this? It's just crazy and Dany, in the show anyway, never came across as crazy or psychopathic to me. Ruthless sometimes. Sure. Shrewd, sure. But genocidal? No. This is a total negation of the intentions behind literally everything she was trying to accomplish: Rule and change the world in how she chose to rule. Instead she just fed a city into a wood chipper so to speak. Glad it worked for some people anyway. Just didn't at all for me. Glad Sapochnik got to direct it as well, he's marvelous at taking source material and making something unique out of it. I've never seen anything like Hardhome, Battle of the Bastards, The Long Night, or this one, so at least there was spectacle and it was amazing to watch. In regards to the writing, I'm critiquing what I regard as lazy, and hasty writing to wrap up a show. Everything I've seen the past two years has been actors and directors desperately trying to make something work out of hastily thrown together material from D&D and my suspicions all along have been that landing a deal with Kathleen Kennedy AND probably being bored being locked down for a decade w/this material is behind it, and what do you know, we get a press announcement just 24 hours or so after that episode that D&D will be helming the next unique Star Wars story to be released in movie theatres after IX (their working with Kennedy had been announced a few years ago, but this news was an update on that announcement). I think I nailed at least some of the issues behind the sloppiness in these final two seasons (not that it's an original idea or anything, I'm sure most have considered it largely responsible for the decline in quality as well).
This doesn't even work because they're basically all dead. How many survivors did we actually see w/Arya at the end? I'm sure in a technical sense, poof there will be plenty, like suddenly there were more than the half Dozen Dothraki we saw alive after the inept and moronic charge of the light brigade mass slaughter against the Night King (just one of numerous examples of idiotic writing, completely ignore the history of how city states deal w/defense against vastly superior numbers, sending a calvary charge against vastly superior numbers, not exactly how its done). At the end of the day, based on the depiction of the attack, there's little to no "subjects" left to fear her to begin with, at least in Kings Landing anyway. Most of this stuff is a product of rushed story telling and inept writing. I have no doubt devout book readers are right in arguing that this isn't against the depiction of Dany in the core material but I still have two problems with that. #1: Television and Movie portrayals of adapted fiction are their own entities period, they may hue closely to the source material, or not at all, and should be judged independently on their merits. #2 Regardless of whether they were loyal to Martins source material, they have repeatedly failed to do so in numerous other instances AND they did a horrendous job of telling the story in a convincing and reasonably logical fashion that rings true. It doesn't even remotely ring true. She was just ready to sacrifice everything for essentially a racist band of ingrates in Winterfell. Now, people who don't know her in the least and have done nothing to her are deserving of total incineration? It's absurd.
The weird thing about Carthage is that the Roman's provoked and instigated the final war, it was very much an Austro-Hungary gazillion demands placed on the Serbians 1914 scenario x10 (placing demands that are so insanely restrictive it was impossible to accede to them w/o retaining any degree of independence whatsoever). Carthage had no issue starting stuff early in the Punic Wars, but the finale involving the sacking/salting which can still be kinda seen from satellites etc was entirely the Roman's digging around for a pretext to squash and seize the independent territory still controlled by Carthage (essentially Carthage was thriving like Japan and Germany Post WWII, and Rome wanted the wealth generated from their thriving sea/port based trade for themselves, and decided to take it, by force, and Carthage made it difficult by repeatedly acceding to demands only for Rome to repeatedly renege on agreements and up the demands until finally Rome just sacked the largely defenseless city state/empire. If you already know all this, apologies, it's just a really interesting story with parallels to a ton of 20th and 21st century battles/wars/foreign policy incidents.
The Tarly's execution was the common price to pay for losing such a battle/war. It was nasty, and ruthless, but they were a hugely powerful house that refused to bend the knee. There were other options and I would've chosen them, but I could understand her reasoning when she decided to make an example of them. Burning a city alive a la Tokyo, Dresden, Guernica, Hiroshima, Nagasaki etc only makes sense in the context of an environment of Total War where civilians are considered fair game by all warring parties to some extent or another. That wasn't so in the context of this story. Sure civilians had it hard, but there's a reason the bells were used. The city fully expected to receive mercy and compassion, if subjugation in exchange for submitting. Instead they were treated like the Romans treated Carthage, like the Assyrians treated, well, everybody. It doesn't fit w/what we've seen of Dany. It just doesn't. Ruthless in her commitment to her cause? Yes, to some degree, but really, after having spent years having her titles focus as much as anything upon the concept of "breaking the wheel/breaker of chains" etc to then turn and engage in a Vietnamese era rationalization of "We have to destroy the village to save it," is just absurd. If they'd spent enough time developing this storyline it might have eventually been believable. Instead it plays like some emo lunatic losing their blank and slaughtering everyone left and right in a fit of pique. Yes she suffered. But try comparing stories with Arya. Did Dany witness her father being beheaded, finally after having suffered that trauma and much more, finally reached her mother and brother only to see them butchered as well as her future sister in law and niece/nephew in the most horrific way imaginable, and that was really only the first what, third of her journey? Dany didn't suddenly earn the right to go "mad" and become a homicidal, genocidal mast murderer because her boyfriend/nephew broke up with her, and a couple of close, close friends and dragons died. It just feels beyond ridiculous and lazy to me. The buddha told us life is suffering. This is nothing new. It's not ground breaking, the only difference is in the scale of the suffering. Dany was/is surrounded by people who suffered every bit as much as her and much worse. Someone who spent seven seasons and an episode or two trying to rebuild the world in a better fashion decides to burn it all down because of what happened over the course of a couple of episodes with Jon, Jorah, Missandei, Rhaegal etc? I just can't buy it. Maybe this was the story outline George gave them, but they sure as hell didn't deliver in making it remotely believable, and some of it was pacing, but a lot of it was just flat out ham fisted writing and character development down the stretch and the proof is in those "inside the episode" type mini-doc's where their explanations of "choices" are beyond pathetic.
It was ridiculous. I get that there was plenty of foreshadowing that she can be ruthless when dealing with her enemies but when did she ever actually annihilate civilians on the ground just living their lives? She was made more than aware that the everyday people of the city were being used as shields by Cersei. Arguing that she went mad is total horse bleep. I can get get w/showing the brutality of a city being sacked. Anyone who spends anytime studying ancient history, let alone medieval history knows what happens more often than not during sackings (mass slaughter, and the selling into slavery of the surviving women and children). Heck you can look at the 20th century to see what happened in the fire bombings of Tokyo, Dresden, what happened at Guernica or in the Rape of Nanking. We never needed dragons to accomplish much worse than what was shown here. My issue is that Dany hasn't really shown an inclination to slaughter civilians from what I've seen. Her enemies? Sure. But children? Mothers? The elderly? Come on. It was ridiculous. For me, watching last night, and in season 7 and 8, all I've felt the whole time is Ive been watching two guys that got a sweetheart deal with Kathleen Kennedy (wonder if she's having any buyers remorse? She's got no problem giving significantly talented directors the hook after all), and after spending at least what, 2008 or 2009-2018 working on the project and they're beyond over it. The half-blanked moronic answers they've given in "Inside the Episode" specials to explain character motivation etc has been farcical at best, and absurd at worst. For anyone else who read it, this whole experience has echoed finishing Jean Auel's Earth's Children series with a fifth book that was at best tedious, and a finale that was a complete and total abomination and essentially worked as a negation of everything that came before it, if it hadn't been a library book I probably would have given it the Tess of the d'Urbervilles treatment from my high school days (tossed out an open window and into my backyard upon it's denouement). It's just beyond frustrating to see these yokel's pull a Lindelof, secure a guaranteed stretch run of multiple years to wrap up the series on their terms, and then show that they were out of ideas the second they gained such a controlling interest, and indeed were hacks w/a flair for Michael Bayesque filmmaking, all hat no cattle. Martin may be cynical as hell and maybe he wanted this, but regardless at least his material would have came w/quality depth and pacing, and clarity and coherence. Instead it's a heaping pile of manure filmed quite beautifully. I feel for Sapochnik. The guy who gave us Hardhome, The Battle of the Bastards, and The Winds of Winter gave us something stunning to look at, but he couldn't overcome the inept writing of D&D (happy to see he also directed the series opener for Altered Carbon, one of my favorite shows of the past half decade or so).


Posted 5/19/2011 9:02pm by Miranda Combs.
Please also check out the article that Miriam Rubin wrote on Rhurbarb in today's Post-Gazette Food Section. Pick some up at the market and try it out one of her recipes.
Eat your rhubarb! Buy a paper!
We started selling locally made cheeses at the market 2 weeks ago. I am happy to report that they have been a big hit. I have updated the market website with information on the cheese makers and the cheeses. Please click on the ling to check it out.


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Stratasys shares steady on Q2 beat
August 9, 2017 By Fink Densford
Shares in Stratasys have fallen slightly today, even as the 3D printing and additive manufacturing company met expectations on Wall Street with its second quarter earnings results.
The Eden Prairie, Minn.–based company posted losses of $6.2 million, or 11¢ per share, on sales of $170 million for the 3 months ended June 30, seeing losses shrink 67% while sales shrunk 1.2% compared with the same period during the prior year.
Adjusted to exclude one-time items, earnings per share were 17¢, well above the 7¢ consensus on Wall Street where analysts were looking for sales of $167.7 million for the quarter.
"We continue to allocate resources towards deepening customer engagement within our key vertical markets, and we are pleased with our progress in developing higher quality revenue opportunities. In addition to these vertical market initiatives, we are pleased with the market reception of our new F123 Series, launched in February of 2017, which has resulted in orders of over 1,000 units to date, and has generated significant interest for rapid prototyping applications among professional users," CEO Ilan Levin said in a prepared statement.
Stratasys reiterated its previous guidance for the year, expecting to post sales of between $645 million and $680 million, with non-GAAP diluted earnings per share of between 19¢ and 37¢.
"We have made significant progress in developing solutions that target high-value applications within our targeted markets, and we continue to focus on aligning our resources around this long term strategy. We believe this strategy will allow us to help grow the adoption of our products and services over time," CEO Levin said in a press release.
Shares in Stratasys have fallen 0.1%, at $22.36 as of 1:02 p.m. EDT. Both the Dow Jones Industrial Average and S&P 500 indexes were slightly down for the day.
[Want to stay more on top of MDO content? Subscribe to our weekly e-newsletter.]
Stratasys 3D printing is speeding up vision diagnostic systems prototyping
Stratasys unveils multi-cell additive manufacturing platform
CDER head Woodcock to lead FDA for now


Showing images tagged with weather:Ice tag.
Ice floes covering most of the river's surface near mid-day.
Preparing to de-ice an Airbus wing at Edinburgh Airport, before departure for Luton.
Taken from the Pennine Bridleway bridge, immediately below the railway line.
The low sun lights the fountain and ducks on the lake at Stafford services.
These services are more attractive than most. Worth stopping for a stroll round the lake.


First communion at the soon-to-be closed St. Luke's in 1968.
Grumkin, a Flint Expatriate who was born on McClellan Street across from the current site of St. Luke's Church and school, provided these photos of her old parish.
The neighborhood kids watch St. Luke's construction in 1966.
The church weathers the snows of 1967.
Black pants, white shirts, or else at first communion in 1968.
"The merger of the four parishes (St. Luke, St. Agnes, Sacred Heart will merge with St. John Vianney...) is only the beginning of other changes that will be happening throughout our diocese in coming months. The Genesee County region that we belong to is not only the largest of six regions, but will also have the most drastic changes..."
I don't consider myself a Catholic, but almost all of my family is, and I've been to many functions at St. Luke's. I'm very sad to see it go, as I see it (and the other two that are closing) as a cornerstone in the neighborhood. Three more reliable institutions leaving the city are never a good thing.
Thanks for posting these pictures, Gordie! The quote from the St. John Davison bulletin sounds rather ominous.
my mom taught at Dukette but she didn't start there until the 80s. she painted a mural in the window wells for the pre-k/kindergarten classes back then. when i was back in Flint last August, those murals were still there... untouched by grafitti and time.


text:
<?php

namespace VentureOakLabs\Wsdl2PhpGeneratorCliBundle\Command;

use VentureOakLabs\Wsdl2PhpGenerator\Console\Command\Wsdl2PhpGeneratorCommand as BaseWsdl2PhpGeneratorCommand;

class Wsdl2PhpGeneratorCommand extends BaseWsdl2PhpGeneratorCommand
{
    protected function configure()
    {
        parent::configure();

        $this->setName('wsdl2php-generator:generate');

    }
}

redpajama_set_name: RedPajamaGithub


The Brassy Broadcast podcast has evolved into an exploration of ways we create, engage, and communicate.
I'm on a mission to develop my communication skills, and use the ever changing technology and tools at our disposal to do good in the world. This podcast is my exploration, experimentation, and platform to share that knowledge with you.
I spent a lifetime being quiet. I didn't know the power of my own voice.
I didn't understand that MY voice didn't have to be the best, the smartest, or the prettiest to be valued.
I judged it harshly. I kept it to myself.
Then I discovered MY voice actually resonated with people. They related to the songs I wrote and sang.
I learned that the conversations shared through my podcast brought value to an unexpected audience. My voice connected to and inspired people.
What? Whoa! My voice was my superpower? Who knew?
The common threads through my life as a musician, a student of the creative universe, and the founder of The Brassy Broadcasting Company, have been curiosity and a desire to help people share their voices.
I hope this podcast will help you get out in the world and do some good.


text:
Sellers é uma cidade  localizada no estado norte-americano de Carolina do Sul, no Condado de Marion.

Demografia
Segundo o censo norte-americano de 2000, a sua população era de 277 habitantes.
Em 2006, foi estimada uma população de 267, um decréscimo de 10 (-3.6%).

Geografia
De acordo com o United States Census Bureau tem uma área de
1,8 km², dos quais 1,8 km² cobertos por terra e 0,0 km² cobertos por água.

Localidades na vizinhança
O diagrama seguinte representa as localidades num raio de 28 km ao redor de Sellers.

Ligações externas

Cidades da Carolina do Sul

redpajama_set_name: RedPajamaWikipedia


This is CFA-affiliate National Education Association's "Higher Ed Week of Action" when faculty are asked to advocate for the federal 2017 Dream Act. It's a time to stand up for our immigrant, Dreamer, and DACA-mented students, families, and colleagues.
CFA members will join other unions and community groups in a caravan from Los Angeles to Bakersfield this Wednesday, August 14, for a rally outside the office of Bakersfield Congressman Kevin McCarthy.
Nearly 100,000 people took to the grounds of the U.S. Capitol last Wednesday (April 10) to send a clear message to Congress: "The Time is Now" for comprehensive immigration reform.
Ready California, a collaborative immigrant rights group, has compiled a list of DACA renewal workshops and immigration resource events being held throughout the state.


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Although I have never heard of this milliner, I can imagine what a fabulous shop this must have been. The hat reads "F. Cermance, 22 Rue Riche, Paris" and "Made in France."
The outer side of the hat is black felt with two black grosgrain 3" wide ribbons (3 layers per side.) There is also a one inch grosgrain ribbon around the crown. The bottom of the hat is a beautiful kelly green felt.
There is about 1/4" by 4" fade on the innermost side of the under brim. This will not be noticed when worn.
There is one tiny snag on the top of the brim. Please see pic. The hat was in an attic and good use a good wipe down with a damp cloth.
I wear a 21" circumference and it fits perfectly.


While garnishing a bowl of soup with pesto and coconut cream, Hazel Zakariya realized that you could actually do far more with naturally colored food dyes. She started experimenting with smoothies, and soon she had created a whole series of artistic food art.
Orginally from Malaysia, Zakariya works as a data analyst in Auckland, New Zealand. She sees smoothie art as a mindful activity. "It helps me develop my creativity," she says. "And by sharing it on Instagram, I entertain other people, too. With all the difficult things going on in the world, I want to spread a message of love and kindness. I get positive reactions from all over the world. This project has already given me so much." Her own favorites are: Frida Kahlo, the deer, the penguin and Kevin from Home Alone.
See more of Hazel's art on her Instagram-page.


Khloe Kardashian is finally leaving open with the baby intelligence you detected here first. Khloe denote a shot of her belly with her and fictional character Thompson's force wrapped round it. She says, "I know we've been keeping this silent but we yearned-for to apply this between our family and contiguous friends as drawn-out as we could privately." We stony-broke the program back in September that she and Tristan were expecting their first child together.
BRISTOL CITY 2-1 MANCHESTER amalgamate - CHRIS WHEELER AT choreographer GATE: Korey sculptor was buried at a lower place his team-mates in one corner of the delivery while Bristol City's young manager Lee lyndon baines johnson sprinted down the opposite touchline, fists clenched in celebration, before hurling himself into the arms of his coaching job staff. A relative sense of order was restored for the few moments plan of action that remained in front Mike Dean's whistle started the pandemonium all over again. It was 1980 when these clubs last met and they official document be talking about this win in the West administrative division for at smallest different 37 years. It took added 20 minutes to clear the pitch of fans who could scarcely anticipate what they had just seen. The night they took on saul Pogba, Zlatan Ibrahimovic and Romelu Lukaku — and dispatched them packing. henry m. robert Pires has written a message of acknowledgement on an old armoury top.
"bunny," there was always a spectacular break and producers scrambling to clean up the PR mess. But for those who went on the entertainment with relatively screechy clean pasts, what was next after their bit in the sun? How did they extend their large integer written record into a solid twenty?


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Reinventing Direct
17 Principles of Persuasion, Direct Marketing Style
By Gary Hennerberg
So you've created your campaign and attended to all the details of identifying your audience, created your offer, and toiled for hours and hours, honing copywriting and design. But in the end, the tipping point for your success likely stems from the degree to which you emotionally persuade an individual to take action.
Persuasion builds. It doesn't just pop up and present itself. By the time you've engaged your audience and you're moving toward the close, you should already have stimulated and calmed emotions, presented your USP, told a story, and walked your prospective customer or donor through logical reasons to purchase.
But to seal the deal, you need to return to emotion, and you need to persuade. So today I offer 17 principles of persuasion, direct marketing style.
Persuasion is an art, really, that builds over time. It's earning trust and leading your prospect to a place where they give themselves permission to act. That permission comes from the individual recognizing that acting is in their interest and that they will feel good about their decision. You want them to say "this is good, this is smart, I'm going to do this!"
A place to start this list of persuasion points is with the six principles from the landmark book, Influence: How and Why People Agree to Things, by Robert Cialdini:
Expanding on Cialdini's concepts with additional principles for direct marketers, I offer this checklist for direct marketing persuasion:
Trust and Credibility: Persuasion isn't coercion or manipulation. Trust is earned. Credibility is built. Without these two foundational elements, most else won't matter. Begin persuading by building trust and credibility first.
Authority: People respect authority figures. The power of authority commands respect and burrows deep into the mind. Establish your organization, a spokesperson, or an everyday person, relatable to your customer, as having authority.
Express Interest: Your prospects are attracted to organizations that have an interest in them. Use this starter list of the six F's as central topics to build around so you can persuade by expressing interest: Family, Fun, Food, Fitness, Fashion, or Fido/Felines.
Build Desire for Gain: A major motivation that persuades your prospects and customers is the desire for gain. Give your prospect more of the things they value in life, such as more money, success, health, respect, influence, love and happiness.
Simplify and Clarify: Communicate clearly. Obsess over simplifying the complex. Write to the appropriate grade level of your reader. Your prospects are more easily persuaded when you simplify and clarify.
Expose Deep Truths: Go deeper with your persuasive message by telling your prospects things about themselves that others aren't saying. Don't be judgmental. Be respectful.
Commitment and Consistency: When your prospect commits to your idea, they will honor that commitment because the idea was compatible with their self-image. Compatibility opens the door to persuasion.
Social Proof: Even though the first edition of Cialdini's book was written in 1984, a generation before the explosion of social media, he recognized the power of people behaving with a "safety in numbers" attitude from seeing what other people were doing. Testimonials and an active and positive presence on social media are often a must that leads in trust and persuasion.
Liking: The term "liking" in 1984 was developed in the context of people being persuaded by those they like. People are persuaded and more apt to buy if they like the individual or organization. Still, it's affirming to be "liked" on social media!
Confidence is Contagious: When you convey your unwavering belief in what your product or organization can do for your prospect, that attitude persuades and will come through loud and clear.
Reciprocity: It is human nature for us to return a favor and treat others as they treat us. Gestures of giving something away as part of your offer can set you up so that your prospects are persuaded and happy to give you something in return: their business.
Infuse Energy: People are drawn toward and persuaded by being invigorated and motivated. Infuse energy in your message.
Remind About Fear of Loss: No matter how much a person already possesses, most want more. People naturally possess the fear of missing out (FOMO). When you include them, they are more easily persuaded.
Guarantee: Your guarantee should transcend more than the usual "satisfaction or your money back." Your guarantee can persuade through breaking down sales resistance and solidify a relationship.
Scarcity: Human nature desires to possess things that are scarce when we fear losing out on an offer presented with favorable terms. But make sure you honor the any positioning of scarcity in your message. If it's an offer not to be repeated, don't repeat it.
Convey Urgency: With scarcity comes urgency. Offering your product or making a special bonus available for a "limited time" with a specific deadline can be a final tipping point to persuade.
Tenacity and Timing: Just because a prospect said "no" the first, second or more times, it doesn't mean you should give up on someone who is in your audience. It can take multiple points of contact, from multiple channels, before you persuade your prospect to give themselves permission to act.
What would you add to this list? Please share in the comments below.
Gary Hennerberg
E T Gary Hennerberg Author's page
Reinventing Direct is for the direct marketer seeking guidance in the evolving world of online marketing. Gary Hennerberg is a mind code marketing strategist, based on the template from his new book, "Crack the Customer Mind Code." He is recognized as a leading direct marketing consultant and copywriter. He weaves in how to identify a unique selling proposition to position, or reposition, products and services using online and offline marketing approaches, and copywriting sales techniques. He is sought-after for his integration of direct mail, catalogs, email marketing, websites, content marketing, search marketing, retargeting and more. His identification of USPs and copywriting for clients has resulted in sales increases of 15 percent, 35 percent, and even as high as 60 percent. Today he integrates both online and offline media strategies, and proven copywriting techniques, to get clients results. Email him or follow Gary on LinkedIn. Co-authoring this blog is Perry Alexander of ACM Initiatives. Follow Perry on LinkedIn.
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What Is The Difference Between A Prospectus And An Offering Memorandum?
ByMichael Anderson October 31, 2020
An Offering Memorandum is also known as a private placement memorandum. It is used as a tool to attract external investors, either specifically targeting a known group or just soliciting willing investors in general. The document enables the investor to understand in detail the investment, so as to help them assess their interest in participating in the deal. An investment banker often prepares an offering memorandum on behalf of the business owners. In investment finance, an offering memorandum is a kind of a detailed business plan that highlights information required by an investor to understand the business. It provides details on the terms of engagement, potential risks associated with the business, and a detailed description of the operations of the business. The document also often includes a subscription agreement that acts as a contract between the two parties, i.e., the investor and the issuing company. Investments formally follow these guidelines and are mostly required by securities regulators. A prospectus is similar to an offering memorandum, but the former is for publicly-traded issues while the latter is for private placements. Business growth requires an injection of capital that is obtained from investors. The offering memorandum is part of the investment process. For instance, a company may decide to increase the number of its offices, which will require a significant amount of funds. The process begins with the firm deciding how much they need for the expansion. Then, an investment banker drafts the offering memorandum, which must comply with existing procedures and securities laws and regulations. The company then chooses who to issue the document with, depending on their targeted investors. It is much like the process of doing an IPO, but an offering memorandum is aimed at a private placement investment rather than the company seeking funds going public.
What Are The Contents of the Offering Memorandum?
An offering memorandum comprises key information on the company's future growth strategy, upcoming opportunities in the market, strategy for achieving future projections, and details on competition in the marketplace. How the current management team plans on dealing with weaknesses, operations scalability, etc., are detailed in the document. The investment banker, financial advisors, and the like, should provide valuable information but the offering memorandum should also contain information directly from the company. Every clause should be scrutinized and vetted to ensure it's free from errors or omissions. The document is meant to give the company an opportunity to convince targeted investors, and it should be flawless for this purpose.
Example Offering Memorandum Table of Contents:
• Summary of the Offering
• Business Summary
• Requirements for Purchasers
• Forward-Looking Information (Financial)
• Risk Factors
• Use of Proceeds
• Compensation
• Board of Directors
• Capitalization Table and Dilution
• Legal Information
The document should present data to show the company's progress, and provide future projections, highlighting various strategies being implemented to cope with challenges. It should present a realistic picture of the industry the company operates in and show the investor clearly what the company's prospects and goals are. False information is dangerous and can attract heavy fines if it is determined that investors have been deceived into making commitments. The details on the balance sheet should be presented to tell the investor what the business is worth in assets and liabilities, which also helps the investor determine if the share value is worth committing their investment. Ultimately, the presentation should portray the company as a valuable entity that anyone should feel fortunate to have the opportunity to invest in.
What Is The Importance of Issuing an Offering Memorandum?
The document is legally binding, and its importance goes beyond being a necessary document in the process of investment for both sellers and investors. The document protocol helps the investor understand the opportunities being presented in the investment, imminent risks, potential returns, the operations involved, and the general capital structure. The offering memorandum also provides protection for the investor and for issuers of securities. The issuer is required to follow to the letter all regulations outlined by the SEC (Securities and Exchange Commission). The SEC promotes fairness in the investment industry by shielding investors in the securities industry from falsified information and by aiding the investor in making informed decisions in the process of committing huge amounts of funds. The offering memorandum also presents a professional touch to the seller. Investors cannot commit their money to businesses that don't look organized or professional in their area of operation. Presenting a memorandum shows seriousness and professionalism in the business.
Who prepares the Offering Memorandum?
When any company goes through a sale process, it hires an investment banker. The first step of the banker is to understand the company and gather as much information as possible from top management to come up with a profile the company. The banker prepares the CIM and uses it as a marketing document, which is intended to make the company look attractive as the objective is "not just to sell, but to sell for maximum value." The reason an investment banker tries to sell a company at the maximum value is because they represent the best interest of their client (the seller), and that their commission is based on the sale price.
Offering Memorandum Vs Prospectus
A prospectus offering document can bring added protection to your business and is often required to raise either debt or equity capital in the public and private markets. A well written prospectus will tell the story of the company, from the minute details of the types of securities being offered, e.g. stock versus bonds, to the management team, the market, the risk factors and the overall prospectus model of the company, among many other features. The final part of the prospectus is reserved for the subscription agreement, which is an essential component of any prospectus as the subscription agreement is the contract between the issuer and the person buying the debt or equity securities. Although the prospectus is first and foremost a document used to raise capital, the structure and presentation of the prospectus can add value to a company's products and services and team by portraying them in a well-polished format. A prospectus shows an investor that one is serious and has gone the extra length to ensure regulatory compliance and good business practices. Without a formal document that outlines the company's prospectus and securities structure it is often difficult to raise capital from any serious investor. A prospectus is used for public markets while an offering memorandum is used for private markets. The offering memorandum document can also be referred to as an "offering circular" if it requires registration with the stock exchange commission. The offering memorandum and the prospectus share many attributes, ranging from the types of disclosures and amounts required to terms and conditions. Both documents describe the terms of the offer, such as the minimum amount to invest and the qualifications of an investor. The investor is also briefed on imminent risks such as tax issues, vulnerabilities, transferability issues, and potential returns. Both documents are basically a detailed business plan, with in-depth information on management structure, strengths and weaknesses, capital structure, asset values, share values, amount of shares available, and financial projections.
Offering Memorandum
An offering memorandum is a legal document that states the objectives, risks, and terms of an investment involved with a private placement. This document includes items such as a company's financial statements, management biographies, a detailed description of the business operations, and more.An offering memorandum serves to provide buyers with information on the offering and to protect the sellers from the liability associated with selling unregistered securities.
Understanding an Offering Memorandum
An offering memorandum, also known as a private placement memorandum (PPM), is used by business owners of privately held companies to attract a specific group of outside investors. For these select investors, an offering memorandum is a way for them to understand the investment vehicle.
Offering memorandums are usually put together by an investment banker on behalf of the business owners. The banker uses the memorandum to conduct an auction among the specific group of investors to generate interest from qualified buyers. An offering memorandum, while used in investment finance, is essentially a thorough business plan. In practice, these documents are a formality used to meet the requirements of securities regulators since most sophisticated investors perform their extensive due diligence. Offering memorandums are similar to prospectuses but are for private placements, while prospectuses are for publicly traded issues.
Example of an Offering Memorandum
In many cases, private equity companies want to increase their level of growth without taking on debt or going public. If, for example, a manufacturing company decides to expand the number of plants it owns, it can look to an offering memorandum as a way to finance the expansion. When this happens, the business first decides how much it wants to raise and at what price per share. In this example, the company needs $1 million to fund its growth at $30 per share. The company begins by working with an investment bank or banker to draft an offering memorandum. This memorandum complies with securities laws outlined by the Securities and Exchange Commission (SEC). After compliance is met, the document is circulated among a specific number of interested parties, usually chosen by the company itself. This is in stark contrast to an initial public offering (IPO), where anyone in the public can purchase equity in the company. The offering memorandum tells the potential investors all they need to know about the company: the terms of the investment, the nature of the business, and the potential risk of the investment. The document almost always includes a subscription agreement, which constitutes a legal contract between the issuing company and the investor.
Offering Memorandum vs. Summary Prospectus
While an offering memorandum is used in a private placement, a summary prospectus is the disclosure document provided to investors by mutual fund companies before or at the time of sale to the public.This written document is an abridged version of the final prospectus that allows investors to see pertinent information regarding the fund's investment objectives and goals, sales charges and expense ratio, focused investment strategy, and data on the fund's management team. Relevant tax information and broker compensation are also included in the disclosure document. A summary prospectus provides investors the information they need from the final prospectus quickly and in plain English.
Offering Circular
What is an Offering Circular?
An offering circular is a prospectus for a new security listing. It is delivered to individuals and brokerage houses who are interested in potentially purchasing the newly issued mutual fund or stock. It may be slightly abbreviated from the final, long-form prospectus, but is still required to contain specific information. Offering circulars are required to contain certain pieces of information that are meant to be helpful to a prospective investor in deciding whether or not the investment is suitable for their interests. This information includes items such as the issuer of the security, the objective of the mutual fund or the purpose of the stock issue, the terms of the issue, and any additional information that could be helpful to a prospective buyer. An offering circular should not be confused with a red herring or preliminary prospectus. The preliminary prospectus, or red herring, is issued during the IPO process and is intended to generate interest in the new issue. It lacks many of the specifics regarding the new issue. The offering circular is a more complete document and should be viewed before making a final decision about an investment.
Information About An Offering Circular
An offering circular allows investors to access information regarding a new issue. It provides them with very important information about the security such as financial information about the issuer, the objective of the fund or purpose of the funds being raised, and other terms of the security issuance. The offering circular is a legal document and is a requirement for many, but not all, new issues. It is important to distinguish it from the red herring, or preliminary prospectus, which lacks significant details about the new issue. The red herring is a promotional item passed out to potential investors early on in the IPO process to solicit indications of interest and does not include the crucial information that an investor should review before purchasing a security. However, this important information is included in the offering circular.
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Response to commentary on Dairy Australia's culture
By James Mann, Chairman of Dairy Australia
Dairy Australia's culture is the subject of a recent video produced by David Beca, a candidate in our forthcoming Board Director elections.
Mr Beca is entitled to his opinions, but I do not recognise the organisation he portrays and his unfounded criticisms need to be addressed.
Throughout my involvement with DairySA and Dairy Australia and as a dairy farmer for the past thirty years, I have observed only dedication, commitment and expertise from the Boards and employees of these organisations.
The basis of his analysis appears flawed – it isn't right to have a narrow and stilted view of being 'merit-based' versus 'relationship-based'. Dairy Australia's culture is probably best described as a combination of the two – there is a clear focus on individual performance, which is informed by the need for people development, team cohesion and engagement with key stakeholders, in order to deliver the best outcomes for levy payers.
Mr Beca is correct to say that Boards are responsible for setting the culture of their respective organisations. Dairy Australia operates a skills-based Board to ensure experienced and robust oversight of the organisation's activities. Board Directors are selected for election by our members on the basis of their skills and experience - in dairy farming and other important aspects of business. This expertise is used to hold management to account in the delivery of agreed strategic priorities.
Dairy Australia's Board is made up of skilled people who are all advocates of the industry. They are governed by principles of accountability, legal compliance and ethical behaviour. The Board determines the policies and directions for investing in industry service activities. It approves strategic and operating plans and performance targets. It ensures policies and systems are in place to manage risk and ensure high standards of accountability, ethical behaviour and legal compliance.
Our Board meetings entail extensive pre-reading of recent performance. Any shortcomings are identified and addressed; successes are reviewed and targets extended if necessary. The conversations are frank and under performance in any area is not only not tolerated – it is focused on until resolved.
It would be fair to say that, like many organisations, Dairy Australia's culture continues to evolve. If anything, the focus on performance has intensified in recent years. The Board itself draws from a wider and more diverse pool, differing experience and background. In turn, this is reflected in changes to our corporate strategy/strategic goals, organisational values, job roles/responsibilities, business processes, policies and communication practices.
Some examples of Dairy Australia's performance culture are:
A new strategy which includes organisational performance as a key strategic priority.
Quarterly performance reporting across the organisation (aligned with Annual Operating Plans) and publication of a detailed Performance Report accompanying our Annual Reports.
360 degree performance reviews of Board and management team members.
Organisational restructures to increase functional expertise, provide more targeted products and services for our farmers, and facilitate communication flow/collaboration.
Implementation of four new organisational Values: Farmer First, Decisive Action, Innovative Thinking, One Team
Goal setting for individuals that is more robust and measurable, with regular performance reviews and data-driven remuneration decisions based on the roles people are performing.
In our Managing Director, David Nation, I believe we have someone who tests the status quo, sets high performance measures and consults widely in the formation of his views. He expects these behaviours from his management team and the organisation more generally.
Mr Beca seems to point the finger of blame for our industry's challenges over recent years solely at Dairy Australia. It hardly needs saying that there have been significant and well documented challenges to the profitability of dairy farms and milk production from exceptionally challenging climactic conditions, high input costs and a volatile milk price during this period. It is wrong to make Dairy Australia and its employees somehow responsible or accountable for all of these challenges. Thankfully these headwinds have subsided for most farmers in the last 12 months.
As a services body, Dairy Australia has supported farmers throughout this time and our R&D investments in areas like herd and pasture improvement are now yielding significant results. The network of organisations and people who partner together within this innovation framework to drive R&D excellence is envied by many other dairy countries around the world. It is the exact opposite of the narrow, exclusive group which Mr. Beca believes does not consult with others.
In this respect, it is also worth pointing out that recently published Australian Dairy Plan was developed out of one of the largest listening exercises in our industry's history and the views of over 1,500 farmers and industry participants. The profitability paper Mr. Beca takes issue with was extensively reworked in the final version of the plan, in response to feedback received from the industry. Improved farm profitability is a key objective of the Dairy Plan and it sets ambitious targets over the next five years. For more information read the Measuring improved profitability of Australian dairy farms article.
Mr. Beca was an unsuccessful applicant in our skills based Board Selection process, against a very strong field of 74 candidates. Being strong in a few of the selection criteria is not enough to compete against other candidates that have strengths in all of the selection criteria. He was subsequently nominated via an alternative nomination route (nomination by 100 Group A Members of Dairy Australia). For more information about this year's Board Selection process refer to our Our Director nomination process.
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